The Accounting Equation Free Essays

Bookkeeping is established on the fundamental condition that expresses a company’s Assets equivalent their complete Liabilities in addition to their all out Owner’s Equity . This condition is summed up as ALOE . This isthe premise of the Balance Sheet. We will compose a custom article test on The Accounting Equation or on the other hand any comparable theme just for you Request Now Resources are the company’s furniture, apparatuses and hardware, physical property, protected innovation and different assets. These properties incorporate the physical land just as the equipmentand building enhancements for the property. A company’s liabilities are the entirety of the commitments that the organization has brought about. Thecompany needs to support these liabilities by making installments on them. These installments may takethe type of money pay or might be sourced from advanced monies. On the off chance that they obtain cash, this is anadditional risk. Risk is â€Å"money owed; obligations or monetary obligations† (Dictionary. com,2009). Liabilities balance resources in the condition that is the Balance Sheet. Owner’s Equity, otherwise called owner’s/shareholder’s value, is the last factor in theequation. At the point when liabilities are deducted from resources, the rest of the parity is the owner’s value. The term owner’s value is utilized for exclusive organizations. In the event that the business is an incorporatedentity which gave normal stock in return for a level of organization proprietorship, at that point theowner’s value is named owner’s/shareholder’s value. Money, stocks and held profit are allowner’s/shareholder’s value. E1-1 Urlacher Company gives the accompanying bookkeeping administration errands every year. Correspondence †Analysis and understanding of money related information. Correspondence †Interpretation of significance, uses and cutoff points of monetary information. Correspondence †Compiling a rundown of budgetary occasions. Correspondence †Accounting report arrangement. Recording †Maintaining a direct, ordered record of monetary information. Step by step instructions to refer to The Accounting Equation, Essay models

Summary Essay Example | Topics and Well Written Essays - 500 words - 162

Rundown - Essay Example The creator fights that verifiably, America’s assumed attack and freedom of nations, for example, Philippines and Iraq frequently comes full circle to unacceptable results. America’s endeavors at making abroad realms using power have consistently been calamitous as seen by the Spanish-American war. These endeavors have consistently brought about the making of hostile to American backfire that compromises the country’s security. The Bush organization hated universal establishments and the possibility of a network of intensity, a methodology taken by previous President Wilson Woodrow. The administration’s intrusion of Iraq looked to some extent like past attack endeavors of Philippines in 1900, Mexico 1913, and South Vietnam in 1961. Bush’s Administration negligence for the country’s verifiable encounters in the previously mentioned nations came about to produce against America kickback and stir a fairly lethargic Iraqi patriotism. The administ ration’s ‘war on terror’ saw the nation connect with itself in a grisly control of Iraq. It likewise served to fuel the cliché perspective on America as the apparent ‘savior’ of the world. This served to empower newcomers along foe lines. The September 11 2001 assault conveyed by Al-Qaeda on the US was completed by 19 people of non-US nationality by means of four commandeered US business traveler streams in Newark, Boston, and Washington (Murphy 239). The captured airplanes were collided with the World exchange Center New York, the Pennsylvania open country, and the Pentagon in Northern Virginia. The nineteen robbers had filled in as a solitary, coordinated gathering for a time of eighteen months. The six heads of the gathering were accomplished and prepared as pilot having entered the US sooner than the remainder of the gathering. The others were more youthful and less taught and served to control travelers on the plane. The gathering was approved and supported by Osama canister Laden, a Saudi Expatriate situated in Afghanistan working through his

How Wrestling With Snapping Turtles Can Get You Into MIT

How Wrestling With Snapping Turtles Can Get You Into MIT As someone whose idea of Friday night fun in high school involved (a) spending three hours with a bunch of other nerds and a stack of pizza boxes, writing search algorithms to help fictional cows find salt licks in labyrinthine pastures, then (b) spending the next six hours buried elbow-deep in elbow grease, carcinogenic automotive lubricant, and a home-brewed mesh of gears, motors, and bike chain that could easily tear my scalp off as I debugged robot drivetrains, I was never completely sure what folks of different technical persuasions did for fun, until I came here. Let me introduce you to my next-door neighbor, Nora 12. An aspiring limnologist*, she works part-time at the New England Aquarium. In lieu of an interview, she jumped into the nearest tank and wrestled a rowdy octopus into submission.** The director gave her the job instantly. *limnology: the study of inland waters **DISCLAIMER: if you are anyone other than Nora, attempting to reenact this feat may result in serious injury, excessive brinyness, animal cruelty, or a restraining order. Any Chuck Norris Fact with his name replaced with Noras is true. If youre still having trouble visualizing her incredible badassitude, this picture should help. Here are just a few of the animals that Nora has housed during her stay at MIT: Yep, you get the picture. Whenever I interact with Nora, she smoothly beguiles me into poring for hours over topics like subtle differences in the anatomy of different whale subspecies, or the social behavior of catfish. If she ever decided to turn her powers against humanity, the world would probably be ruled by dolphins within a matter of weeks. Anyways, Nora was kind enough to do a QA for my blog, so enjoy! - Did other people from your high school know about MIT? What made you decide to come here? When people from my high school asked where I was going to college and I said MIT, I got a lot of blank looks. My school was in a small suburb outside of Madison, WI, and I was actually the first person to get into MIT. The major reasoning behind my decision to go here was that it was far away from my parents. For some reason, though, I think that inspired them to visit me more than they would have if I went to UW-Madison. What inspired you to get into limnology? Its like the (awesomer) freshwater version of marine biology. This field is notably much more prevalent back in Wisconsin. When I was little I took weekend classes where we would go ice fishing for northern pikes and then dissect them. How has being at MIT helped you in this regard? MIT has been really good for networking. It opens a lot of doorsfor example, my internship at the New England Aquarium last spring. Whats really great is that even though I have this really obscure interest in fish that MIT does not specialize in, I have had tons of great opportunities to pursue this interest through MIT connections. Also, I can keep fish tanks in my dorm room, which is a major plus. Tell us what working at the aquarium is like. Ridiculously awesome. I have gotten to do some of the coolest stuff: go swimming in some of the exhibits, sit in on a sea turtle surgery, and play with the octopus. The people there are also insanely awesome. Some of them spend most of their time swimming in Brazilian rivers or researching in Fiji. It doesnt get better than that. Do you have post-graduation plans, or any particular life goals? My parents said I couldnt take a job as a crab fisherman on Deadliest Catch, so I think I am going to settle for going to vet school after MIT and specializing in aquatic animal medicine. Im particularly interested in fish farm and hatchery management. However, if theres anything you learn during your time in college, its that plans change. Who knows what Ill be when I grow up. Tell us about your weirdest/funniest animal-related incident. I used to take my pet rats to class in the hood of my sweatshirt. They became proficient in differential equations, electricity and magnetism, and basic Python programming. It was always funny when they stopped sleeping during class (they were really bad about napping during lectures) and poked their heads out, because I would hear people behind me gasp and be like, What is that?!?! - That concludes this interview even as I type this, someone is outside Noras door asking for veterinary advice. It turns out were not so different at heart; were both willing to get mauled in pursuit of our interests, she by vicious animals and I by heavy machinery and segfaults. (Although we try our best to avoid such maulings.) So, to end on a sappy but true cliché that the admissions site has reiterated many times, there is no rote set of actions that makes you a candidate to attend MIT. Just find things you love to do, and do them. Blogger out!

The Results Of Depressive Symptoms - 1707 Words

The results showed depressive symptoms did not differ between the non-complicated bereavement group and the unbereaved control group, both groups displayed little to no depressive symptoms. Although the CG showed slightly higher ratings of depressive symptoms, the results showed only mild to moderate depressive symptoms were present on average in the CG group (O’Connor Arizmendi, 2014). These results demonstrate the participants who were suffering from CG were not suffering from MDD. Results from the Digit Span Backwards subtest and Wisconsin Card Sorting Task did not show any significant differences between the control group or the two bereaved groups (O’Connor Arizmendi, 2014). This indicates working memory and set shifting were not†¦show more content†¦Despite there results O’Connor and Arizmendi (2014) acknowledged their study must be replicated using a larger sample size to increase the study’s reliability. The authors also suggested an fMRI would be useful to measure what neurological processes are distinctly different in those suffering from CG. Nonetheless, their study and two previous studies have shown attentional biases are present and affect the cognitive functioning in individuals experiencing CG. Attachment-based Model Shear et al. (2007) focused their studies on an attachment-based model of complicated grief with an emphasis on the contribution of avoidance. The attachment-based model assumes the loss of an attachment figure causes an interruption in an individual’s attachment working model. Shear et al. (2007) references Bowlby’s theory of attachment, which stated at a young age a baby develops an attachment bond to their caregiver or loved one. Shear et al. (2007) reported Bowlby theorized, as a child ages the attachment relationship is translated into an internalized working model. This working model provides a secure base, which allows an individual to utilize his/her exploratory system to discover new experiences and attain certain goals (Shear et al., 2007). Shear et al. (2007) postulated the loss of a loved one disrupts this attachment working model which can lead to

Utilitarianisms Principles And Moral - Free Essay Example

Sample details Pages: 3 Words: 849 Downloads: 8 Date added: 2019/07/03 Category Ethics Essay Level High school Tags: Utilitarianism Essay Did you like this example? Act utilitarianism is an action that is morally required just because it does more to improve overall well-being than any other action you could have done in the circumstances. The principle of utility states that you should always perform the action that maximizes overall utility. Act utilitarianism and the principle of utility is a large portion of what I am going to refer to in this essay. Don’t waste time! Our writers will create an original "Utilitarianisms Principles And Moral" essay for you Create order The moral worth of any action is determined by outcome or consequences which explains why utilitarianism is a version of consequentialism. Utilitarianism is a form of teleological ethics. This idea is defended by John Stuart Mill (a hedonist), and an important British philosopher. A hedonist is a person who believes that the pursuit of pleasure is the most important thing in life; a pleasure-seeker. According to his beliefs, we are required to maximize the greatest good for the greatest good for the greatest number of people. I am defending an objection to this claim that utilitarianism has no real way to account for rights and that there is no action that is ruled immoral under this argument. In addition to this the argument of utilitarianism is ambiguous. The objection that I am defending states that (1) If utilitarianism is true, then it will never require us to commit serious injustices. (2) Utilitarianism sometimes requires us to commit serious injustices. So, (3) Utilitarianism is not true. Just because something makes all people happy does not make it right for all people. It is also wrong to harm certain individuals in order to make other people happy. The objection I am defending calls attention to problems to justice and in the rights of the individual and democratic equality. The first justice-related objection I am going to defend is problem of the violation of rights, for example, if there is a religious group whose practices are seen as offensive to the rest or majority of society. In a utilitarian population, members can decide that preventing the minority group from performing their religious acts would be proper for the well- being of the members. Consequently, because it would maximize the overall utility of the society. This can be seen as a problem because the group who holds different practices from the majority has their rights violated and impeded upon. According to the theory, if there is an event that occurs, that is not recognized as important or mandatory to the overall happiness of a given society, then it will not be supported. The principle is a selfish one because it is only having an interest in magnifying utilitarianism. This is can be demonstrated as negative principle for example, as shown in the television show, Black Mirror third season episode Men Against Fire. Soldiers are inserted with an implant called MASS, that distorts their reality. through their eyes, aliens are infected and steal from the citizens in the community, this results in the soldiers killing the infected people given the name roaches. One soldiers MASS glitches from a device made from the roaches. He then makes a discovery that after all the creatures he saw as monsters are just human. The military he works for is using the MASS to promote genocide. Utilitarianisms principles would categorize the scenario that takes place in the television show as plausible to make the genocide morally right, because it promoted happiness for the larger and powerful population of the community. While we know that genocide is morally wrong and cruel, in the position of utilitarianism, it would be seen as fitting. Another reason I am defending the objection of injustice is because it calls attention to problems pertaining to the violation of individuals religious and socioeconomic statuses as well as the rights appertaining to a person. I deny utilitarianism because it does not protect individuals against opinions of the majority. If the happiness of the people is increased enough, it can justify making one (or a few) miserable in service of the rest(psychology today.) Another component to take into account is that status of the person making the decisions. There could be a doctor who is known as a public figure who decides the fate of his/her patients. Suppose the doctor has to choose between five patients, and one has to have a heart transplant, two both need one lung each, one needs a liver, and the other a kidney. If a healthy candidate comes into the office the doctor could ponder to decide to inject him/her with a deadly solution, so they could contribute to the lives of the five unhealthy patients. He would consider this option because that is the option that would be viewed as doing the most good. In addition to that, because of the status and prestige of the person that can make the decision there would be no one to intervene with the deciding process. Utilitarianism can require that one commit unjust actions in certain situations, and because of this it is fundamentally flawed. We know that cruelty is wrong to do to an innocent person even if it can benefit others in the end.

Biodel Inc Free Essays

BUAD 490 3/14/13 Team Written Case Analysis (Concise) Biodel, Inc. BIODEL INC. EXECUTIVE SUMMARY Biodel’s use of biotechnology expertise in the three prime areas of Cell Biology, Molecular Biology, and Immunodiagnostics has led their company into some great opportunities. We will write a custom essay sample on Biodel Inc or any similar topic only for you Order Now Biodel created a synthetic serum to replace fetal calf serum and horse serum, and provide a more consistently available product for scientific researchers. Biodel’s Molecular Biology division used DNA technology to gain 60% of the market share of growth factors and stock the largest collection of commercially available synthetic nucleotides, which was 50% of their sales. Biodel’s research and development in Immunodiagnostics led to the invention of DEMA, a non-radioactive method for measuring a wide array of biologically important substance. The intelligence and vision of Dr. Oscar Feldman drove Biodel to a position of leadership in the biotechnology industry. Dr. Feldman has applied innovations in Cell Biology, Molecular Biology and Immunodiagnostics to increase market share for Biodel’s products. Dr. Feldman’s scientific friends and academic contacts offered Biodel high-quality technological advice and links to scientific community, and led to sophisticated research and development advances. Now the company is at a crossroad with decisions and direction necessary. In addition to strategic planning, the company would benefit from a modest re-structuring to streamline operations and prepare for unexpected events. Their future investments should be in areas where patent protection is likely, and in directions and projects that exploit their native expertise in molecular biology and genetic engineering. These technologies seem likely to transform health care in the next two decades. Having survived the threat of bankruptcy, Biodel now has a more balanced contract research portfolio and is poised to develop an even greater impact in the future. CURRENT SITUATION Biodel’s projected revenues for 1980 consist of $1 million in contract research, and around $1. 5 million in research products. The contract research revenue was split 70% from industrial research, and 30% government research. This research included work in Biodel’s three main fields (molecular biology, cell biology, and immunology) as well as cancer chemotherapy and enzymology. These contracts are secured by Dr. Feldman through his relationships with other scientists. The revenue from research products also comes from the three main fields of Biodel. Nucleotides from the molecular biology area account for 50% of revenues, cell growth factors from the cell biology field account for 40%, and immunodiagnostics products account for the other 10%. Research product sales have been growing 35% over the last few years, even with limited marketing efforts. However, Biodel is being outcompeted in the immunodiagnostics market and further growth is not being pursued. Biodel has a very small staff, with the company split up into five different sections: the comptroller, advertising and sales, and then an experienced scientist manages each main field of the company. The scientists who manage their fields are all in charge of research and development, production, and even have some marketing responsibility. Dr. Feldman does not employ a marketing manager or a research director, instead filling both roles by himself. Feldman’s style of management is very informal, preferring to walk around and talk to his employees rather than have them do unnecessary paperwork. The company itself is run more like an academic facility than a business, with the atmosphere more leaning towards challenging each other and making technological advances. In addition, employee turnover is very low so most of the staff is very experienced with the work that the company is doing. The staff is led by Dr. Feldman, who represents the main reason for low employee turnover. Biodel employees describe him as a unique and enthusiastic man, and the reason why the company is so successful. Marketing had been a very inconsistent department, with Dr. Feldman usually assuming all of the major marketing responsibilities. But when Dr. Feldman decided that he needed to market his company more aggressively he hired Mr. Steve Kaplan who had been a marketing manager at a large pharmaceutical company. However, Mr. Kaplan and Dr. Feldman soon disagreed on who should direct Biodel’s marketing strategy. Kaplan proceeded to spend a large amount of money on marketing, including hiring additional salespeople and other staff. These changes resulted in a 65% increase in sales, but marketing costs increased by 500%, which resulted in profits dropping from $95,000 in 1978 to $17,000 in 1979. As a result, Dr. Feldman is reconsidering Mr. Kaplan’s direction in the marketing department. OPPORTUNITIES First, Biodel had under development a synthetic serum that would be used to satisfy growth requirements in cells. This would be an innovative product that could be a substitute for natural fetal calf serum and horse serum. However, a major problem with the fetal serum is the unstable fluctuation in cost. The cost is determined by the supply of the serum and the supply is determined by the number of calves that are slaughtered. The synthetic serum could offer a steady rate. The market is projected at $50 to $80 million. Biodel would have a competitive advantage over the competition and could attain 20% of the market share if they pursue this project. A big problem with this project is the uncertainty that Biodel will be able to receive a patent. That provides a major risk in this investment. Second, another project is available that is extremely intriguing to us. Biodel has the opportunity to produce a new product called DEMA. DEMA is a testing technology based on enzyme membranes rather than radioactivity. This product could be used to test for pregnancy, syphilis, hepatitis, cancer, toxins in food and carcinogens in the environment. DEMA is a healthier, safer, faster and cheaper way of testing than the radioactive method. There are no hazards or side effects to DEMA and it can provide the same results as radioactive tests. The problem with this project is the financial aspect. It is more expensive than the synthetic serum. Investments could total in the millions and the R costs could range from $1 to $3 million. However, this project has drawn the attention of major drug companies who are willing to participate in a joint venture with Biodel, which would help with the costs of the investment. Third, Biodel has been thinking about joining the genetic engineering field. The company has basic but not wide experience if this field but they have been a major supplier of molecular biology products. At the moment, there are four major competitors in the market; Cetus, Genentech, Genex and Biogen. The basic purpose of this field is to engineer a cell to produce a specific biological product. Competitors use the bacterium E. coli as their host cell, for the most part. Biodel has the opportunity to enter the market with a new strategy that involves the use of yeast as the host cell instead of E. coli. He and three other scientists believe that yeast would be a better host cell than E. coli. Yeast has a biochemical machinery that can allow the growth of medically relevant glycoproteins such as Interferon and Urokinase. These glycoproteins are used to inhibit the multiplication of cancerous cells and to disrupt blood clots. The investment costs for this project would be high, including salaries that Biodel would pay for Dr. Ballantine and three other highly successful scientists to work for them. However, the return on such an investment could be immense. RECOMMENDATIONS 1. The Biodel Board of Directors should hold annual or semi-annual Board meetings to review company progress. Dr. Feldman should delegate more. The Board should be expanded by 1 or 2 people to achieve greater diversity and breadth of expertise. Succession planning should be considered in case Dr. Feldman died, or a division head left. 2. Mr. Kaplan’s marketing group should be streamlined and asked to focus on a marketing strategy for DEMA. The marketing group can probably be reduced to lower costs while maintaining the increase in research product sales. Challenge Kaplan to analyze the marketing group to understand the most valuable parts versus parts that are expendable. 3. Among the growth opportunities to pursue, the synthetic growth factor option does not seem likely to succeed. Although it is the least expensive investment, there is uncertainty that the patent protection can be obtained. Furthermore, researchers accustomed to fetal bovine serum may be unlikely to abandon a tried and true method. In contrast, the DEMA technology is a unique opportunity for Biodel. It eliminates the risks and hazards associated with radioactivity, which researchers would appreciate. There is a high likelihood of patent protection. Based on the information in the case, the company needs a better understanding of how to bring this product to market. This could be a great project for Kaplan’s smaller marketing group. 4. Pursue Genetic Engineering, with the advice and guidance of the four academic experts. This is an important initiative and Biodel’s connections with the prize-winning scientists are important. They should be paid per diems and offered stock options. One of the four also should be invited to join the Biodel Board of Directors. APPENDIX A SWOT Analysis S- Strengths Biotechnology special expertise by the 1970’s in – (three prime areas of focus/ other fields) 1. Cell biology – culture technology paid off 60% share growth factor market 40% offspring sales 2. Molecular biology – DNA paid off 60% share growth factor market – stocked largest commercially available synthetic nucleotides (50% of sales) 3. Immunodiagnostics biology a. Sub categories – Cancer chemotherapy – Enzymology Offered high-quality technological advice, numerous links to scientific community, highly sophisticated research and development service Feldman was able to secure contracts with his personal relationships with scientists in the government and industry Low employee turnover W – Weaknesses Molecular biology – — researchers used numerous substitutes Immunodiagnostics biology large firms aggressively entered and has not expanded since 10% of sales of research products -1980 – profitability varied on depending on intensity of product research and development By the 1980’s 60% of company’s revenue was from commercializing research Reliant on government contracts when they started making cut backs – 85% contracts are government – forcing Biodel into 1st layoff (damaging to long-term otential) 55 employees scientists and technicians — no marketing manager or research director hired (Feldman filled both positions with widespread contacts and scientific expertise) Staff meetings rare and no regular reports required from subordinates Poor Marketing – Products sold by mail Depends on word of mouth – trade shows, advertising, direct mail, ad phone solicitation — customer service â⠂¬Å"almost laughable† O – Opportunities Goal to manufacture and market biochemical products developed through their own research Cell Biology – synthetic serums to satisfy growth requirements in cell lines of tissue culture – replacing natural fetal calf serum (most widely used, horse serum was 2nd most widely used). Market of 50 million domestically and 80 million worldwide growing at 15%– no systematic analysis of serum market done Immunodiagnostics- opportunity to enter the market – new test technology based on enzyme membranes rather than radioactivity – new product DEMA – simpler, faster, and less expensive. Market in excess of $100 million and has potential to be over $1 billion. High possibility for a patent and a joint venture with a major drug company. Genetic engineering – exciting advantages/high return on investments Supplier of molecular biology products – nucleotides and synthetic genes sold – supported by genetic engineers – some cases biodel was soul supplier T – Threats Relying on government contracts lead them to the threat of bankruptcy Biodel’s spending strategies APPENDIX B How to cite Biodel Inc, Essay examples

2006 Hurricane Risk Case Study Essay Example For Students

2006 Hurricane Risk Case Study Essay 1. How profitable are property and casualty insurance companies? Answer: Property and casualty insurance protects property (houses, cars, boats, and so on) against losses due to accidents, fire, disasters, and other calamities. Property and casualty policies tend to be short-term contracts and, that’s why the subject to frequent renewal is, and one more characteristic feature is the absence of savings component. Property and casualty premiums are based on the probability of sustaining the loss. To estimate the key determinant of the price of an insurance policy, i. . risks, insurance companies take third-party proceedings that develop models of catastrophe loss probabilities. Based on the numbers form Exhibit 5 of the case we see that according to AIR Worldwide which provides information on the loss probability that Insured Loss if the listed Hurricanes Recurred in 2006 is 151. 2% more than the case writer estimates of Actual Reported Damage in 2006. As you see from the table below differences in monetary terms and percentage change between these two different sources are huge except those figures with minus sign. So, we can say that prices are not fixed and depend on the third-party vendors’ probability calculations which are much higher than actual estimates suggested by casewiters. Consequently, the profits of property and casualty insurance companies can be high. * Casewriter estimate ** Source: AIR Worldwide Besides, Reinsurance may reduce their risk exposure by allocating a portion of the risk to another company in exchange for a portion of the premium. Reinsurance allows writing larger policies because a portion of the policy is actually held by another firm. Also, profits of these companies strongly depend on unforeseen risks due to unpredictable nature of accidents, fire, natural disasters like hurricane, tsunami, etc. However, from the Exhibit 7 of the case we see that Investment Income is vitally important to continue operations of property-casualty insurance companies. To see the importance of the income from these companies’ investments and to see how it affects Net Income we put zero in the line on Investment Income holding other numbers constant (based on Exhibit 7: Income Statistics): We see that without property-casualty companies’ Investment Income the Net Income is negative. So, we can say that Insurance Losses is offset by Investment Income from which these companies only gain. 2. Purchasing insurance: what should Joe Martinez do? Answer: According to the statistical data in the Exhibit 1 (see the 2006, Hurricane risk case study) about the frequency of US Hurricanes by state of Landfall (1900-2004), we can say that, unfortunately the most frequent hurricanes happened on the Southeast of US, especially in Florida. But the most of them have only 1-3 categories. This means that hurricanes may cause damages trees, shrubs and average damage to the building. There was only one hurricane in the Florida, which had 1st category and seven of them had 4th category. The problem of Joe Martinez is that insurance rates are on the rise. These increases have been driven by a combination of higher than expected hurricane-related claims as well as increased costs related to reinsurance (i. e. , insurance sold to other insurers to mitigate the risk of losses). Beyond this, the recent economic turmoil has put additional strain on insurance companies, resulting in pressure to increase premiums. The bad thing is that Joe Martinez might be in need of hurricane protection. From the case, we know that his house near the beach and it was no match for direct hit from hurricane, and this is good thing. But there is a high probability that the hurricane will destroy or damage his house at the next time. In many cases, the damage caused by hurricanes will be covered by basic homeowner’s insurance policy. An increasing number of policies actually exclude hurricane-related damage, in which case he’ll need to buy additional coverage. Note that, even if he does have coverage, he’ll still need to keep a decent amount of cash on hand to protect himself. Is Counselling An Art Or Science EssayIn Diagram #1 (see the attachment 1 at the end of the document) you can see the portion of Property insurance premiums in the General insurance sector for 2007, 2008, 2009 years. Casualty insurance is included into General insurance sector. So in Diagram #2 (see the attachment 1 at the end of the document) you can see who the main players in this sector of insurance are. Kazakhstan insurance market for the first time showed growth during last two years. Kazakhstans insurance companies collected 74. 9 billion tenge in premiums in January-June 2010, or a 33. % increase compared to the same period last year, says a press release issued by the Kazakh Financial Supervision Agency (FSA). Within the overall volume of premiums, mandatory insurance amounted to 15. 8 billion tenge (up 21. 5% as compared to the same period last year), voluntary private insurance totaled 16. 4 billion tenge (up 56. 2%), and voluntary property insurance made 42. 7 billion t enge (a 31. 4% increase). According to the statement, the volume of insurance premiums collected for life insurance increased by 100% and totaled 7. 6 billion tenge as at July 1, 2010. Life insurance premiums accounted for 10. 1% of all the insurance premiums (6. 8% as at July 1, 2009). According to the State Financial Supervision Agency (FSA), with the purpose to better protect the interests of the insurance customers, to develop life insurance services, to introduce a consolidated supervision over the insurance companies, to develop the infrastructure of the insurance market on July 18, 2010 Kazakh President Nursultan Nazarbayev has signed the law On Amendments to Some Legislative Acts of the Republic of Kazakhstan Concerning Insurance†. The document bans bonds issue by insurance companies, restricts their borrowings and imposes additional requirements for the intermediary services. The new law also bans any payments in cash to the insurance agent by the client against the insurance contract starting January 1, 2012.

Autism Essays (8837 words) - Autism, Disability Rights,

Autism ?We start with an image?a tiny, golden child on hands and knees, circling round and round a spot on the floor in mysterious, self-absorbed delight. She does not look up, though she is smiling and laughing; she does not call our attention to the mysterious object of her pleasure. She does not see us at all. She and the spot are all there is, and though she is eighteen months old, an age for touching, tasting, pointing, pushing, exploring, she is doing none of these. She does not walk, or crawl up stairs, or pull herself to her feet to reach for objects. She doesn't want any objects. Instead, she circles her spot. Or she sits, a long chain in her hand, snaking it up and down, up and down, watching it coil and uncoil, for twenty minutes, half an hour--- until someone comes, moves her or feeds her or gives her another toy, or perhaps a book.? Excerpted from ?The Seige? By Clara Claiborne Park Autisma mysterious world where the unknowns still outnumber the knowns. A syndrome whose manifestations are many and whose etiology is suspected of being multi-causal? (Toscano, 5). ?The word autism still conveys a fixed and dreadful meaning to most people?they visualize a child mute, rocking, screaming, inaccessible, cut off from human contact. And we almost always speak of autistic children, rarely of autistic adults, as if such children never grew up, or were somehow mysteriously spirited off the planet, out of society. Or else we think of an autistic ?savant? a strange being with bizarre mannerisms and stereotypies, still cut off from normal life, but with uncanny powers of calculation, memory, drawing, whatever?like the savant portrayed in Rain Man. These pictures are not wholly false, but they fail to indicate that there are forms of autism which do not incapacitate in the same way, but may allow lives that are full of event and achievement, and a special sort of insight and courage too? (Grandin, 12). Autism was first identified as a disorder in 1943 by Dr. Leo Kanner. It was widely accepted that a child's autistic condition was the result of extremely, cold distant, rejecting and overly intellectual parenting. The child's extreme withdrawal was viewed as a refusal to engage in social or physical contact, rather than inability. The assumption therefore was that the familial environment being hostile was the cause of the child's refusal to become engaged. Professionals labeled this concept ?the refrigerator mother?. Today, much enlightened thinking, coupled with scientific research has disproved this notion and autism has been the source of much research and ongoing professional debate. ?Currently, autism is considered a unique disorder that occurs in approximately fifteen out of every 10,000 births. Autism is four times more common in boys than girls. It has been found throughout the world in families of all racial, ethnic, and social backgrounds? (Cash, 22). Family income, lifestyle, and educational levels do not affect the chance of autism's occurrence. Researchers all over the world are devoting considerable time, and energy into finding the answer to the critical question, ?What exactly causes autism Although a single specific cause of autism is not known, researchers believe several genes as well as environmental factors such as viruses or chemicals, contribute to the disorder. ?But finding the genes that cause the disorder has proven far more complicated than originally thought? (DeNoon). Scientists estimate that, in families with one autistic child, the risk of having a second child with the disorder is approximately 5%, or 1 in 20, which is greater than the risk for the general population. This genetic basis is believed by researchers to be highly complex, probably involving several genes in combination. CLSA study co-author Susan Santangelo portrays autism as a constellation of deficits. ?Some may be relatively benign in the absence of others. I think it's relatively unlikely that any one gene will account for disease causation in any one subset of families. It's likely that more than one gene will be working in concert, although none of these genes themselves may be sufficient. Some of these genes may be causing milder effects in family members of these patients who are autistic. Some traits are much more frequent in family members? (DeNoon). Scientists also

Civil Rights vs. Anti-Apartheid essays

Civil Rights vs. Anti-Apartheid essays One definition of equality states that it is an agreement in value, rank, properties, and rights. As simple as this concept might seem to those who have grown up in a world where equality is a standard of living, it has not always been that easy for certain races, mainly Africans. Dating back as far as four hundred years ago when blacks came to America as slaves, this race has endured an ongoing struggle for freedom in a white man's world. The motivation for this race to fight back first came in America during the late eighteen hundred's when the Thirteenth, Fourteenth, and Fifteenth Amendments were added to the Constitution during the Reconstruction Era. These Amendments were the first sign of hope that African Americans would receive justice and be recognized as a legitimate and equal race. Africans not only endured struggles in America, ironically, they faced the same issues in their native country, South Africa. White supremacy and segregation had been accepted in South Af rica prior to 1948, but apartheid was officially added to the South African government after the Afrikaner Nationalist party took office. The purpose of apartheid was to separate all races from each other. This government stated that the "whites, as the civilized race, were entitled to have absolute control over the state." Africans in both of these counties fought back against all odds to gain the respect that they deserved through both the Civil Rights Movement and the Anti-Apartheid Movement. ...

The nature of FDIs Essay Example | Topics and Well Written Essays - 2000 words

The nature of FDIs - Essay Example The second commonality mentioned is usually taken to be the more important defining feature of the two. FDI denotes a degree of direct ownership whereas indirect investments are those gaining exposure to enterprises without investing directly such as listed securities, investment funds and derivatives. (Blomstrom and Globerman, 2001) Previously, FDIs referred only to physical investments made by a local company to a foreign setting. Building factories, providing machineries and equipment were considered as FDIs while portfolio investments were considered as an indirect investment. However, the rapid globalization of markets served as an impetus to broaden the definition of FDI to include the lasting ownership of shares of companies and enterprises. As such, joint ventures, alliances where a company provides technological support and licensing of intellectual property and direct acquisition of a firm are now considered to be FDIs. (Sullivan and Sheffrin, 2003) The current requirement is that an international business relationship must be formed between the local entity and the foreign affiliate. Foreign Direct Investors can either be a private or a public entity and may involve an incorporated or unincorporated organization or a lone individual. In any case, the foreign entity should provide the local entity a certain level of control in its management. According to the International Monetary Fund (IMF), control can come in the form of a 10% ownership as a minimum. In cases where this are not present, the investment made is known as portfolio investment. The ownership implies that the investor is afforded control in the management and decision-making of the enterprise. However, the data from the Organisation for Economic Cooperation and Economic Development indicate that there are countries where the 10% ownership is treated in a flexible manner to accommodate local legal and business environment circumstances. There are cases where the o wnership is less than 10% but the investor is afforded an effective voice and there are cases where exercise of influence control is not given even if the investor exceeds 10% ownership. FDI Classification According to UNCTAD (2007), FDIs are classified according to certain defined factors. A classification based on the direction of FDI generates two broad types: outward-bound and inward-bound. Outward-bound FDIs are those investments provided by local entities to foreign partners while inward-bound FDIs have local entities as the beneficiary of investments from abroad. FDIs can also be classified according to the nature it is conducted. Vertical Foreign Direct Investments exist when a local entity owns some shares in a foreign enterprise and is using the business arrangement to either generate supplies or be the one supplying. Horizontal Foreign Direct Investment occurs when a local entity, usually a multinational company, establishes a similar business operation in foreign settings. FDIs can also be classified according to its motives. If the FDI was made to explore new opportunities in new markets or strengthen the existing market structure, we have a 'market-seeking FDI'. When the FDI was made because the foreign setting provides resources that are not locally available at the same degree,

Analyze Financial Statement Essay Example | Topics and Well Written Essays - 500 words

Analyze Financial Statement - Essay Example We will be interested in a high ratio since we will be assured of a high return on our investments. A higher ratio is recommended since this indicates the solvency of the organization. Since it has the highest current ratio in 2015 hence shows that the company is having ability to meet its obligation if they fall due. This shows that if loan are to be advance to the company it will be able to pay its interest as per the loan in the short-run. Higher ratio is preferred as this will indicate liquidity of the entity. Hence it will be wise to consider this company as qualified for loans since it has the highest quick ratio in the year 2015 but this will only be a wise decision after assessing the Going concern principle of the entity. This shows the ability of the entity to meet its obligation in the long-run. Since the lower ratio is recommended hence this shows that the company will experience the challenges in paying back the loan hence will recommend the loan maturity should be lowered. Finally apart from the quantitative analysis of the financial statement of the company, it can also be advisable to consider carrying out the following qualitative analysis before advancing loans and also after advancing loans Assess whether they have established long-term customer relationships, with the company or its suppliers hence this can proof its viability whether to advance loans or not and if yes how much and at what interest. The company should provide collateral and compensating balance requirements. This will help in loan recovery in case of default. The company advancing the loan can exercise credit rationing by giving a loan but limiting the loan amount to be less than the borrower would

Young People And Crime Criminology Essay

Young People And Crime Criminology Essay The application by criminologists of the ideas summarised in this chapter tends to manifest in the form of multifactorial explanations for youth crime. However, in doing this, criminologists generally refrain from presenting a hierarchy of causes. The result is that immediate causes are cited (such as unemployment, racism, labelling, poor schooling), and reformist measures are advocated (such as training schemes, alternative school), but rarely are substantial changes to the social structure as a whole demanded. For those who wish to see major social change occurring, the questions of power and social interests are of paramount importance. Where multiple factors are at the foreground of analysis, the tendency is to respond to the phenomenon of youth crime through emphasis on developing specific projects and programs, More radical perspectives view such proposals as very limiting, unless they are linked directly to a wider politics of social change.   Critically examine how well criminological theory links with policy responses to juvenile crime. Illustrate your answer by reference to theory, a juvenile justice issue and a policy response.    When young people commit crimes, it is rarely seen that people ask the question why did they do this? The tendency is to respond to these acts by training schemes or to send the youths to alternative schools. The phenomenon of youth crime is responded to through an emphasis on developing programs and projects. Rarely are substantial changes as a whole demanded of the social structure. The root causes should be tackled effectively while the hierarchy are simultaneously attended to causes along the way with due priorities. A juvenile justice issue that is of importance in youth crime at the moment is young men and violence. There are many policy responses to this issue as there are many different causes to the problem. By analysing the many different reasons as to why the young men become violent, substantial changes can be made slowly to the social structure. This essay will demonstrate how criminological theory links to policy responses for young men and violence. There are many theories and explanations put forward as to why juveniles offend and commit crimes. These range from perspectives that emphasise individual offender choice whether to offend, through to those that emphasise social factors such as poverty, limited employment opportunities, and school performance in shaping juvenile criminal acts (Cunneen, White. 2007). These theories vary considerably. The classical theory and the individual choice is based on the purpose of punishment within the law is to deter individuals from impinging upon and violating others rights and interests. As individuals we are seen to have equal capacity to reason, and so we are seen responsible for our own actions. Thus the classical criminal policy focuses primarily on the criminal act and suggests equal punishments for equal crime. The positivism theory is that behaviour is determined. Individual behaviour is shaped by factors such as physiology, personality, social upbringing and others. The focus is on the individuals, who are seen to require treatment since they are not necessarily responsible for their criminality. Positivists concentrate on the offender and the offenders characteristics. A sociological perspective argues that in order to understand that nature and occurrence of crime, we need to look at the structure of the society that moulds and shapes culture and behaviour. Individual action is thus attributable to social causes, and crime can be seen as a matter of social pathology. Acts of violence have terrible and costly results for everyone involved, including families, communities, and society. Violence is a major part of some peoples lives, especially young mens lives (Cameron, 2000). Violence in the family has been made visible over the last 3 decades, largely as a result of enquires into domestic violence and child abuse. According to an article printed by the Australian Institute of Criminology about young men and violence statistics found that 6.2% of Australian women experienced either physical or sexual violence by a male perpetrator. These statistics are also an indication of the extent of violence towards children in families. Violence is characteristic of many families, and it has implications for how young men grow up, violence is learnt. In 1990, the National Committee on Violence referred to families as the training ground for violence. The Womens Safety Survey also found that 38 per cent of women who experienced violence by a current partner, and 46 per cent of women who had experienced violence by a former partner, said their children had witnessed violence (Cameron, 2000). Experiences early in life must have some influence on young men who exhibit evidence of violence later in life. Young men between the ages of 20 and 24 experience the highest rate of assault compared with the rest of the population. Not all families or young men are violent. Certain risk factors indicate the likelihood of behaving aggressively or engaging in violence. These include, having a history of violent behaviour, being male, being a young adult, having experienced difficulties in childhood, including inadequate parenting, troubled relationships within the family, low levels of school achievement, having problems of psychotropic substance abuse, especially problematic alcohol use and having severe mental illness, the symptoms of which are not being identified or controlled. Violence in the family is no longer considered a private issue. Moreov er, it has implications for broader social policies. Some young men are involved in a culture of violence, well beyond issues concerning the family. In 1998, almost 60 per cent of recorded assaults occurred outside of residences. Alcohol plays a part in a significant number of these offences. Some young men enjoy a fight; a fight can result from a trivial incident. Fights can relate to illegal activities, such as drug dealing, that do not allow young men to resort to legitimate forms of conflict resolution. As a result, groups may develop for protection. As members become hardened, for example, by experience in jail, they may view the world as consisting of the strong and the weak, and as a place of conflict and struggle. They ritualistically convey their ruthlessness and act brutally. In some instances, groups or gangs have emerged around issues of ethnic solidarity. While groups or gangs may emerge as a result of illicit activities, this is not always the case. Young men may feel safe in groups, and when police see three or more young men together they may define them as a gang. Violence occurs at school. Although Australia is fortunate enough to have been spared the school yard shootings, less lethal forms of violence are not uncommon. Bullying may or may not be intended to hurt and may take the form of physical, non-physical, or non-verbal action undertaken by the bully or by someone co-opted to do so. Bullying is hurtful and may have health consequences. Thus juvenile crime takes several forms and shapes. There are several policy responses available to deal with juvenile crime. Many young men need advice and direction on how to behave towards women and their peers, and they want to talk to you about it. An article discussing young men and violence identified many strategies that they believed would be effective and promising for policy development towards young men (Cameron, 2000). This article identified six prevention strategies. The first prevention strategy being related to parenting, education and support. Families were characterised as a location of conflict for many young men. They reported that early in their lives parents argued and violence occurred in the family. It is important to develop programs to support families in a rapidly changing society where the structures and relationships are often not available to support parents with child rearing. Also, pre-school programs, including parenting interventions, have reduced some childrens anti-social behaviour and delinquency. A number of programs have been implemented in Australia based on these principles. The second is focusing on interventions during childhood and adolescents. Research suggests that the greatest likelihood of success results from programs implemented with children before they reach adolescence. Further, programs should target multiple risk factors, including those at the level of the community, the family, the school, and the individual/ peer, which contribute to youth violence. Interventions at this age can also reduce school-yard bullying. This is an encouraging area of research, as school-based programs that address antisocial behaviour and delinquency generally have found that parenting training and skills based training with children can be effective. Drug use amongst young men was a major issue and a cause for violence. People got involved in drug use due to peer pressure and the requirement to fit in, and youth start it without knowing the harm that would result from regular use. Intervention programs in the area of drugs are most effective when undertaken in the family setting. Young peoples involvement in drug and alcohol use usually results from peer influences. Alcohol plays a significant part in violence that occurs in and around hotels. Success has been demonstrated and repeated in a significant Australian study that aimed to reduce the level of violence related to alcohol in and around licensed premises. By reducing, promotional activities which had brought about binge drinking and high levels of drunkenness resulted in reduced levels of violence. Many youth have generally poor relationships with the police. Police need to develop an understanding of the youth culture and take young people seriously. Police also need to be more understanding and open minded on youth issues, which would lead to mutual respect. Fairness should be a part of encounters with police and in criminal justice procedures. The benefit of legitimate policing can be seen in the area of domestic violence where it has limited the amount of repeat offending. The process of policing may have implications for how people see themselves in the broader society, and may result in compliance if they are considered to share values. The most common reason that violence does occur amongst youths is anger issues. Violence counselling or anger management services can also assist young men to break the cycle of violence. A number of Australian anger management programs are in place to assist young men, although the successes of these are unclear. This area of intervention is in early stages of development where considerable attention is being devoted to program development. Counselling and mentoring programs have shown promising rewards. Multi-systemic therapy programs individually tailored for the particular needs of young offenders, which include family, peer, school, and community interventions, have been demonstrated to reduce the level of reoffending. There also appears to be an effect on reducing violence, as there was also a reduction in the frequency of hitting someone. When violence occurs in the family or when the young men felt explosive and possibly violent and a danger to others, they said they did not have anywhere to turn. The sixth violence prevention strategy is creating recreational and sporting areas for youth to go to if when they have nowhere else to turn to. Recreation and sport are legitimate ways to expend energy. Young men would benefit from accessing to sporting and recreational facilities, such as skating parks and bicycle tracks. The success of the introduction of recreational activities as a means of stopping violence has not been assessed. The above policy responses are appropriate intervention strategies to help prevent young men from associating with violence. These policy responses are linked to one or more of the criminological theories in the juvenile justice system. The main criminological theories that are linked to these policy responses are the classical theory and individual choice; the positivism and individual criminal behaviour; and the sociological theories. While more than one of the response outlined are necessary in most instances, the policy response of parenting, education and support is one of better ones because it addressed the hierarchy of causes. A main reason that youths associate with violence is because they have not had a good upbringing in their homes. They have not had a pleasant and peaceful environment at home were family values and social norms are introduced and nurtured. Instead they grew up in a family which more than discouraged encouraged violence. Despite the fact that this policy response shows that it is difficult to introduce a program which demonstrates effectiveness in improving behaviour of adults, it in many ways assists young men in improving their own behaviour. It is important to develop programs to support families in a rapidly changing society where the structures and relationships are often not available to support parents (Cameron, 2000). This intervention has multiple factors and responded through specific projects and programs. However it did not identify and arrange the hierarchy of cause and responded to with a social structural change. Such structural change would include the families changing their behaviour, anger management and improving the relations with police, both sides taking responsibility and respecting each others rights and obligations. This should help eliminate all known factors of youth offending activates. The policy responses of the juvenile justice issue of young men and violence are closely linked to the criminological theories. However they are not addressing collectively the hierarchy of causes of violence of young men they are not linked to the wider politics of social change. REFERNCES: Cameron, M. (June 2000). Young men and Violence Prevention. Australian Institute of Criminolgy. No. 154. Chris, C White, R. Juvenile justice, youth and crime in Austrlalia. Third Edition.

Online Banking Essay

1. Introduction & Background As the developing of the technology, the Banking had large change, it is necessary to study how to use ATM of Online Banking to keep and management our property. John Shepherd-Barron had invented the Automatic Teller Machine (ATM) in 1967s, the ATM becomes the most important equipment in people’s life after 40 years, and there are about 403,000 ATMs in the U.S (Katharine, 2009). It can say that many people are using it everyday, like save money, and draw money or some transaction money, so the how to avoid and reduce the risk of ATM become more important than others activity, recently, the crime about the ATM increase rapidly, like copy the card information to steal money at ATM, cash trapping and other ATM scam were cost  £29.3million last year in the UK (Emma Reynolds, 2012). The second problem is the emergency about the bank system, like server shut down with out omen, which will make serious effect to human life (European ATM Security & Fraud Prevention). This part provides a critique of the literature of the ATM Bank System. The Automatic Teller Machine (ATM) in 1967s and becomes the most important equipment in people’s life after 40 years, there are about 403,000 ATMs in the U.S (Katharine Gammon, 2009). I choose this topic because using bank system is very important activity in our life, we are overseas student in the UK and we must management our property safely, so I think young people is likely to contribute to this topic. 2. What are the negative effect of ATM & Banking Online 2. 1 Risk of ATM In the ‘ATM Threat and Risk Mitigation’ (Frank D, N.D), the author focus on the all kinds of crimes about the ATM, for example stolen or swindle with ATM, introduce the ATM Security in detail and analysis the development of sale transactions, at last author gives some suggestion to readers how to protect own account and create some ideas for Bank how to complete the ATM Systems perfect. The literature describe how steal the information of costumers’ bank card and how to use these information to copy a card to steal the money also, in conclusion, do not use the ATM which looks suspicious and report to Bank. The literature provides very important information about how to avoid to lose money in ATM. 2. 2 Risk of Bank Online The second literature is ‘Risk Management Principles for Electronic Banking’ Electronic Banking (Basel C, 2003), this is a book which focus on the risk of online banking and this is a group work, there are many people to finish this literature together. I think this is a very good book because author use many example to explain and discuss the risk management principles. In this literature author explain and disuse the challenge of the Online Banking (E-Banking or Internet Transport). Base on the example of Electronic Banking Group (EBG) to describe the 14 risk management principles of electronic banking (Basel C. 2003). This book lists some challenge of the Online Banking: †¢ The innovation of electronic banking skill and customers sever are change rapidly. †¢ The electronic banking more deepens on information technology, so make the process more complicated. †¢ It is base on the Internet; the visitors come from all over the world, so it maybe produces many security issues of system †¢ The author lists the relevant solution: †¢ Effective management from the bank †¢ Building a comprehensive control process †¢ Investigate and supervise the process of relationships. The literature providers some good measures for Bank to reduce the risk of Online Banking (Emma R, 2012). 3. New ATM innovations Nowadays, the technology of ATM develops to a high level, it can realize many useful functions, however, the requirement always can not be content, that encourage people to create new ATM. A technology will be tested in India. ‘In the wake of increasing instances of fraudulent money withdrawals from ATMs in Chandigarh and Panchkula, the security agencies are in the process of conducting tests on the new safety equipment likely to be installed in ATMs in the near future’ said by Khushboo Sandhu (a leading Columnist associated with The Indian Express) in 2010. That means, we do not need bank card anymore, just use the scanner to affirm the costumer (Thorsten, 2012), that will reduce the process time and make process safe, because it is very hard to copy biological information. 4. Analysis and Synthesis The ATM and Banking online system were invented by human, so it must be have many regrets, it must have many risks during the processing. Frank and Basel(2003) had explained some typical risks in the bank system and gave some advise of solution, however, there are always new problems will appear in the future. These problems will become the new challenge of the bank system in Thorsten’s (2012) viewpoint. Maybe this is too professional to students, however , how to choose a suitable bank is significant for the international students.

Biochemical: Escherichia Coli & Salmonella Typhimurium

The first step in the identification process is generally obtaining isolation. A usual isolation technique for isolation is the streak plate. With this method a small droplet of culture is spread over the surface of the medium in a pattern that gradually thins the sample out and separates the cells spatially over the sections of the plate. Streaking is used to isolate single cells in order to separate different types of bacteria in a mixed sample. The plates used are sterile and provide nutrients to sustain growth. Gram's Stain is a widely used method of staining bacteria as an aid to identification. It is used to determine the identity of a sample. Gram staining is used to differentiate bacterial species into two large groups Gram-positive and Gram-negative based on the chemical and physical properties of their cell walls. Gram's stain differentiates between two major cell wall types. Bacterial species with walls containing small amounts of peptidoglycan and lipopolysaccharide, are Gram-negative and bacteria with walls containing relatively large amounts of peptidoglycan and no lipopolysaccharide are Gram-positive. The Gram stain also allows for cell size, shape, and arrangement to be determined. Biochemical testing also helps to identify organisms. One type of biochemical test is fermentation tests. Fermentation is the formation of gas, acid, and other products by the action of bacteria on pyruvic acid. PR Glucose, PR Lactose, and PR Sucrose fermentation detection can be seen as broth color change and the presence or absence of a bubble. Making use of a mannitol salt agar growth can help determine and/or isolate gram positive cocci, interpretations are made by growth and color results. Citrate and Malonate tests are based on differentiating organisms based on ability to grow when an essential nutrient is available in a limited number of forms. The results are interpreted based on color change and growth, with any change resulting as positive which means citrate is utilized. Malonate is utilized and positive if the liquid changes to dark blue. Hydrolytic enzymes that are used in reactions that use water to split complex molecules, these enzymes are detected by the Urease and Bile Esculin tests, which produce identifiable color changes in the medium. A positive Bile Esculin test esults when the medium is darkened,a nd negative when there is no color change. A positive Urease test occurs when the medium is pink and means a strong urease production and orange/yellow is negative with no production of urease. The catalase test detects an organism’s ability to produce catalase, an enzyme that that detoxifies hydrogen peroxide. When catalase is present the reaction is positive and bubbles are formed, absence of catalase is negative and with no bubbles. SIM is a combination media, which includes core tests to differentiate members of a specific bacteria and can be used to replace a sequence of individual tests. SIM tests for sulfur reduction and indole production. Sulfur is reduced when the media is black(+) and sulfur is not reduced when the medium is not black(-). Indole is formed from Tryptophan when there is red in the alchol layer of Kovac’s agent and not formed when the reagent’s color is unchanged. Making use of biochemical test, Gram’s staining, and streak plate isolation are tools that can be utilized in order to determine the identity of bacteria. Using changes in media to confirm an organism. Each organism has its own characteristics that makes it differ from others, thus the identity can be found.

The Cobb-Douglas Production Function

In economics, a production function is an equation that describes the relationship between input and output, or what goes into making a certain product, and a Cobb-Douglas production function is a specific standard equation that is applied to describe how much output two or more inputs into a production process make, with capital and labor being the typical inputs described. Developed by economist Paul Douglas and mathematician Charles Cobb, Cobb-Douglas production functions are commonly used in both macroeconomics and microeconomics models because they have a number of convenient and realistic properties. The equation for the Cobb-Douglas production formula, wherein K represents capital, L represents labor input and a, b, and c represent non-negative constants, is as follows: f(K,L) bKaLc If ac1 this  production function  has constant returns to scale, and it would thus be considered linearly homogeneous. As this is a standard case, one often writes (1-a) in place of c. Its also important to note that technically a Cobb-Douglas production function could have more than two inputs, and the functional form, in this case, is analogous to what is shown above. The Elements of Cobb-Douglas: Capital and Labor When Douglas and Cobb were conducting research on mathematics and economies from 1927 to 1947, they observed sparse statistical data sets from that time period and came to a conclusion about economies in developed countries around the world: there was a direct correlation between capital and labor and the real value of all goods produced within a timeframe. Its important to understand how capital and labor are defined in these terms, as the assumption by Douglas and Cobb make sense in the context of economic theory and rhetoric. Here, capital indicates the real value of all machinery, parts, equipment, facilities, and buildings while labor accounts for the total number of hours worked within a timeframe by employees. Basically, this theory then posits that the value of the machinery and the number of person-hours worked directly relate to the gross output of production. Although this concept is reasonably sound on the surface, there were a number of criticisms Cobb-Douglas production functions received when first published in 1947. The Importance of Cobb-Douglas Production Functions Fortunately, most early criticism of the Cobb-Douglas functions was based on their methodology of research into the matter—essentially economists argued that the pair did not have enough statistical evidence to observe at the time as it related to true production business capital, labor hours worked, or complete total production outputs at the time. With the introduction of this unifying theory on national economies, Cobb and Douglas shifted the global discourse at it related to micro- and macroeconomic perspective. Furthermore, the theory stood true after 20 years of research when the 1947 United States Census data came out and the Cobb-Douglas model was applied to its data. Since then, a number of other similar aggregate and economy-wide theories, functions, and formulas have been developed to ease the process of statistical correlation; the Cobb-Douglas production functions are still used in analyses of economies of modern, developed, and stable nations around the world.

Why Do Executives Receive Such High Compensation And How...

Research Paper In any job, there is a pay scale difference between entry level positions to managers and to the highest executives. Many people assume that we are just paid solely based upon our position; where in some cases, not all, this is very true. This paper will focus on the question â€Å"Why do executives receive such high compensation and how it affects our democracy?† In corporate America bonuses and compensation differentiate amongst the working forces; the most important factor in the recruiting and hiring process of the best talents are the compensation policies and packages. Also, the attractiveness of salaries and bonuses incentivize potential candidates to seek out these top corporations for employment. Given that the money†¦show more content†¦Discovery Communications is the leader amongst the top four companies that includes companies such as CVS Health, Chipotle, and Walmart, pay their CEOs approximately a thousand times more than their average wor kers. Due to the severity of this gap in pay even lawmakers and politicians have gained interest into this issue, particularly the democratic party. The way in which they do this is through pay packages. Executive pay packages differs widely from standard salary or hourly employee compensation. Most executives are paid through contingent compensation and structured with rewards. They utilize six compensation components; Base Salary, Short-Term incentive, Long-Term Incentive, Employee Benefits, Perquisites, Severance/Change-in-Control Payments. All six of these components are structured into a pay plan by a corporation or institution’s Compensation Committee. This committee is made up of directors who are handpicked by the Board of Directors. The committee acts independently and works based on a compensation consultant who reviews the recommendations to help manage themselves. Why should we be worried about how much executives make? Why is it a problem to the average person? Executives control our nation s democracy because of the power and prestige they have, they influence decisions that are made. Paying people by position and performance are understandable factors but when the salary difference is a thousand to a million dollars more there is a clearShow MoreRelatedFrances Perkins and the Great Depression1724 Words   |  7 Pagesskewed over the years. How did Frances Perkins influence the economic and social policies of the Great Depression? Do people only remember Perkins for being the first female cabinet member under Franklin D. Roosevelt or was she actually a visionary of her time. During the time of the New Deal and new government, involvement in economy and the welfare of its people was she a leader or just along for the ride. 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Should Homosexuals Be Stopped - 822 Words

There is no exact definition of homosexuality, but what we are sure of that it is not a physical defect, it is not a mental illness and it’s not a demonic act of possession. Homosexuality means that two people male/female from the same sex or sexually attracted to each other this could also be called same sex attraction. Some people experience same sex attraction or homosexuality, they have this feeling that they are different from others, some people say they have felt that way since a very early age so that is said that they are born gay. Some people believe that homosexuals choose to be gay and that isn’t true people don’t wake up one day and go like â€Å"ooh so I’ve been straight for all my life why not try being gay just for fun†. The direction of one’s attraction can’t be altered quickly, it just so happens that people find themselves either attracted to the same sex or the opposite. Homosexuals have been around for about thousands of years, and every economy has had to cope with the fact that their are homosexuals whether they support them or not they are aware that they live with them and that they are part of their economy. Is homosexuality bad? Or is it good? should it be stopped? Or should it be welcomed into society? Do governments have the right to ban homosexuality? Or should homosexuality be seen as a private matter and shouldn’t concern people. Let’s say someone did a survey about whether or not people would agree on living with a professed homosexual someShow MoreRelatedThe Fight for Gay Marriage1385 Words   |  6 PagesOver the past several years the homosexual community has made great strides in attempting to justify their right to legally join in matrimony. Society as a whole has come a long way in becoming more tolerant and acknowledging of same sex partners and their choices to form families. 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One Giant Ride free essay sample

One Giant Ride Life is like a giant theme park. You enter the park excited to jump onto every ride and see what it’s like. It is then when you find some rides you love and others you hate. Growing up, plenty of experiences have tested my definition of what is right and wrong, moral and immoral, just and unjust, good and bad, but at the end of the day every new experience is like a new ride. As I grew older, the classic Cincinnati tradition of summers at King’s Island Amusement Park became a major part of my life. This is strange because many of its rides mirror the same ups and down, loops, twists and turns, thrills and let downs that I have experienced in my own life. Looking back at my life up to this point, I can honestly say I have no regrets. There may have been something I wished to change or something I wished had gone differently, but with every obstacle I have had to overcome, as well as with every perfect moment, I have developed and become more of the individual I always w anted to be. We will write a custom essay sample on One Giant Ride or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Being nineteen years young, my life is only about to start, but my past has become one of my greatest assets. My tumultuous past has given me the ability to adapt to huge changes in my life because, frankly, I have gone through so many in my short time on Earth. My unsteady past has turned me into a person who is, whether this is a good thing or a bad thing, very unemotional. However, there are still occasions during which I turn into a tempestuous whirlwind. I am the kind of person who understands that in the bigger picture of it all, I will be fine no matter what comes my way. Tough experiences have made me into a being that even my mom looks up to. And finally, my past has taught me one of the most important lessons, that even if I don’t know what I want to be like when I get older, I know what I don’t want to be like. The Vortex From the time I was a toddler I have been plagued by change. At the age of two, my parents divorced and I was left to begin this journey of broken relationships. It did not take very long for me to get used to the partial custody way of life, which consists of traveling back and forth from house to house. I always remember my Minnie Mouse suitcase that held my favorite belongings and clothes, the only constant in my life between houses. As my life approached the drop that I was in for, I was introduced to two people that my parents started dating. I still hear stories about my skepticism of these people preceding the large heartache that was about to push me over the edge, much like on the Vortex where we climbed 120 feet into the air only to be thrown 100 feet to the ground seconds later. This drop epitomizes the remarriage of my parents only a few months apart. The remarriage of both my mother and father was hard for me because I was still very young at this point and I was used to having them all to myself. For the first time in my life, I was faced with a challenge where I learned I couldn’t always get what I wanted. Little did I know at that point in the game, my parents remarrying would be the groundwork for a bittersweet future, in the sense that I would come to despise my step dad yet love my step mom more than I could have ever imagined. Within the ten-year relationship between my step dad and my mom, I came to distance myself from that side of my family. My step dad’s insane discipline regimen was awful. He would ground me for staying up later than my 8 o’clock bedtime for reading. Being a 7th and 8th grader at this point I felt completely trapped. He would constantly yell at my three sisters and me, and I still remember the times where I had to bring my little sisters into my room because my parents were fighting. It was there where my sisters and I grew an inseparable bond and I became like a third parent to them. Although I loved my sisters very much, being fitted with the burden of parenting my younger siblings in eighth grade was quite heavy. There were many times where I cried myself to sleep. It finally got to the point that I couldn’t take it any more and I sat my mom down and told her I was going to move in with my dad and step mom. It literally broke her heart when I did, but distance was the best thing for me. She grudgingly allowed it. It was the summer before my freshman year when I was finally all moved into a new house with Dad and Paige. Starting a new school, high school at that, and adapting to a whole new way of life turned out to be the best change ever to wash over me. Paige and I grew so close. She literally has become my mother. Being adopted and coming from a broken home herself, she understood my situation and I have truly never grown to love and appreciate anyone more. She became the most stable person in my life, the one who helped me to become a strong and independent person. She taught me that being independent was something that no one could take away from me no matter how awful my parents acted. Tomb Raider Expedition In the back of King’s Island lies a building that remains closed half of the time. Tomb Raider, as the fans affectionately call it, straps you in and gyrates, shakes you up and down, back and forth, inside and out, forcing you to endure longer than usual minutes upside down over caverns spinning out of control. This is what my life had become, a crazy ride spinning all over the place, and, just when you think it has stopped, catapults you backwards and upside down. I had just started my second year in competitive cheerleading. We would travel all around the east coast competing against the nation’s best and it was the most fun I had had in high school. I practiced with the team for months, never missing a rehearsal or meeting. I worked out with more energy and kept my spirits higher than anyone else on my team or any of the other ones. It was the best week of my life leading up to the first competition- and it was the day before our first competition when I tore my AC L, MCL, and Lateral Meniscus. I was devastated. And what’s worse, I was forced to go into surgery followed by six months of physical therapy. My injury caused me to go into a depression. I refused to go out or hang out with my friends, and I literally cried for a month straight. I felt miserable. It wasn’t until Paige came to me one afternoon and said, â€Å"Courtney, go ahead and cry because this is the last night that I am going to let you do it. Starting tomorrow you are going to pull yourself out of this depression because only you can do that. It is time to stop feeling sorry for yourself, get over it and make the best out of the situation you are given.† These words became like fresh air to me. I realized that there was nothing I could do, but to use my energy to get better. Like Tomb Raider which goes forever yet stops sooner than you would expect, my depression abruptly grinded to a halt. Outer Limits Unfortunately, although I was over the depression, the worst had only just begun. Hidden between a classic midway ride one could find a bunker carved out in a mock area 51 display. Here lies Outer Limits, formerly known as Flight of Fear. After waiting in line you are strapped into a spaceship and the attendants begin counting down 3†¦2†¦1†¦ From zero to sixty in two seconds flat you are thrust into a blinding bright light then out into a dark, empty room where all you can see before you is miles and miles of twisted steel. The tracked lies twisted in a giant ball almost as if it had no order. Both sets of my parents decided to get divorced yet again. It was in the summer before my senior year and it was nearly cataclysmic. I was happy that my mom and step dad were getting a divorce, but I would never wish what my mom had to go thorough on my worst enemy. Rob fought for every last dime, and since my mom was a stay at home mom, the little she was given was easily expe nded. He fought dirty and led my mom through almost a year and a half of legal drama that resulted where it was impossible for anyone to come out a winner. On other side of that grimy table my dad and Paige getting divorced was worse. Paige and I had grown even closer and I was not ready to leave her. However with this divorce Paige would be reduced to legally being just my good friend. The struggle that resulted with this was a tough decision: with whom should I move in- my single mom, my single dad, or Paige? The choice I made was hard for both of parents because I chose Paige. She had become more than a mother to me and had tried her best throughout this entire ordeal to make the transition as smooth on me as possible. While the ride is infamous for its crazy twists and turns, it is nice enough to let you get out on flat ground instead of just dumping you on your head. The Beast Deep in the woods of King’s Islands’ back lot remains an enigma 30 years in the making. Once the longest wooden roller coaster in the world, The Beast rocks you like a hurricane as you journey through the woods â€Å"escaping The Beast.† But The Beast has a unique feature, different from other roller coasters. When calm is reached, the train then begins a climb up a second hill leading to a ferocious attack from its famed double helix. After two years of watching my mom’s struggle as a single parent with four children I saw her go from bad to worse. I saw my mother fall from everything that she had once stood for. It was perhaps the darkest hour I have had so far in my nineteen years in existence. My mother committed the darkest deed and oldest sin in the book; she had attempted to commit suicide. It is an awful feeling to realize that your own mother felt that helpless and that neither my sisters nor I could have been a reason enough to live. I again fe lt like I had to be the parent of my sisters and my mother. She spent two weeks in a psychiatric ward and I thought I had never seen my mom at a lower point. I was sadly mistaken because a little over three months later I received a call from my aunt while I was at school that my mom had been checked into a rehab facility for alcohol and pills. In my mind I couldn’t and still can’t understand why my mom became addicted. After getting out of rehab, she was forced to go back into rehab two more times. Each time I think it will be the calm signaling the end of the ride, but it inevitably leads to more hills and more helixes. The Scrambler Separating the Nickelodeon Universe kiddy park and the intense, more daring, adult rides, the Scrambler is not only a representation of the transition from my high school life to college life, but it is a ride that literally scrambles you. In its fast circular speeds the cars spin, but the actually car is spinning within itself. This causes a jerking motion that literally slams you from one side to the other and culminating a force of gravity that smashes you together with the people in your car but keeps you laughing it up the entire time. Dealing with all of the issues with my mother and starting my first completely independent life as a college student at University of Kentucky, I was bombarded with other issues that effect young adults. Figuring out how to make an easy transition from high school life to college life luckily came effortless to me. I have dealt with the confusing boy issues, which have stressed me out more than I have wanted and the overall issue of learning to balance all of my time with the massive amounts of homework I am given weakly. Although it is a struggle, the struggle is on a much lower scale and something I can most definitely handle. I am still being jolted around, and although it is all very confusing, it is finally the type of ride I can enjoy. As the sun is setting and the day is through throngs of people start pouring out of the amusement park and heading towards their cars, children become sluggish, teenagers are joyous and adults are just glad the day is over. My time in the amusement park is far form over. I still have many rides left in me and many new endeavors to explore. Several years of ups and downs will soon follow, but with my development thus far I at least have enough insight to better understand with the changes and issues that come my way. I have become a person that has evolved over so much. I am still searching for my soul purpose and what I am going to do with my life, however I do know what I will never be. I will never ever have to worry about money or ever fall into the same path as my mother. I will take her mistakes and better myself from it. It is funny that despite all of the divorce in my life, that I still do believe in love and that it can last forever. All I know is that with every decision I make I will choose to be better because I have seen just how low a person can get. I may not know what the future has in store for me, but rest assured that I will be different form the rest. I can guarantee that my future has something incredible in store for it and only time will tell what will come of it.