Thursday, December 26, 2019

What is Cyberbullying - Free Essay Example

Sample details Pages: 2 Words: 698 Downloads: 10 Date added: 2019/02/15 Category Society Essay Level High school Tags: Bullying Essay Cyber Bullying Essay Did you like this example? At some point in ones life they probably encountered a troubled person, Usually known as a â€Å"bully†, the one who tears down ones self, mentally and physically. Online, bullies have access to many platforms to find their victims and harass them. A study showed that about 10 to 20 percent that youths experience the most bullying and victims are more likely to have a low self esteem and turn to substance abuse. Don’t waste time! Our writers will create an original "What is Cyberbullying?" essay for you Create order Because of the tremendous effect on cyberbullying, young children and teenagers are harming themselves and even turning to suicide; by telling a trusted adult or reporting the bully, we can out a stop to cyberbullying. A leading cause of to cyberbullying is the advancement of technology which gives bullies a wider reach of people to prey on. Having an account on an online platform can make you anonymous, meaning not being able to be traced. A study showed that 17% of fake accounts have been used to â€Å"act mean to people and not get into trouble† a source showed. It is very easy to tear a persons self esteem. There are thousands of cases of young kids and teenagers turning to substance abuse and other things to harm their bodies. That one person hurting another for the joy of it makes the other person feel like they are nothing and a nobody. With the new source of technology, David Zhao says, â€Å"Cyberbullying is a new issue, its no longer about horseplay and physical punches inside the school.† â€Å"Its abuse 24/7†. While there is easy access to the internet, numbers have been climbing dramatically. Addressing a person online as a bully is one thing but putting a end to it, is another thing. Schools across the country have been trying to find soe way to punish a kid who is caught in the act of bullying. A research has shown the students who fear punishment â€Å"Are less likely to torment their classmates† than those who dont fear punishment. When witnessing another person being harassed and being slammed for something , you should report it and tell a trusted adult. Also reporting the account that is doing the harm. Letting one keep taking advantage of another is wrong and should be stopped. â€Å"One who is caught in this act should be looked into by the platform which was used† according to Allison Denisso. Witnessing someone get bullied online and reporting it is key to stopping a bully from finding more victims. While reporting someone getting bullied is one thing, the punishment to the bully is more important, and should be pushed more. Schools are now trying to pass rules on how to punish these bullies. Edwin states that â€Å"courts have already determined that schools have the right to punish students for off campus behavior.† It is key that the bully gets punished so they quit doing such things. Also I think both school and law get involved when this problem occurs. Parents should also be disciplining their kids, such as taking away their device they were using. Cyberbullying is a big problem throughout the country. Catching onto it and putting a stop to it will help out thousands of kids from being hurt. No parent wants to see their own child suffering. Cyberbullying has led to people to turn to substance abuse and even suicide. Because of the tremendous effect on cyberbullying, young children and teenagers are harming themselves and even turning to suicide; by telling a trusted adult or reporting the bully, we can out a stop to cyberbullying. Works Cited DeNisso, Alison. Addressing cyberbullying in and out of school. District Administration, Dec. 2013, p. 18. Opposing Viewpoints in Context, https://link.galegroup.com/apps/doc/A353319530/OVIC?u=j226903001sid=OVICxid=5166353a. Accessed 27 Nov. 2018. Yohnka, Edwin C., and Justin W. Patchin. Should Your School Punish Cyberbullies? Junior Scholastic/Current Events, 9 Oct. 2017, p. 22+. Global Issues in Context, https://link.galegroup.com/apps/doc/A511109293/OVIC?u=j226903001sid=OVICxid=3e1afe69. Accessed 27 Nov. 2018. Yohnka, Edwin C., and Justin W. Patchin. Should Your School Punish Cyberbullies? Junior Scholastic/Current Events, 9 Oct. 2017, p. 22+. Global Issues in Context, https://link.galegroup.com/apps/doc/A511109293/OVIC?u=j226903001sid=OVICxid=3e1afe69. Accessed 27 Nov. 2018.

Tuesday, December 17, 2019

Investigating The Serum Glucose Tests Used For Diabetes...

PART 1: Questions 1. Describe the following serum glucose tests used to help diagnose diabetes mellitus: fasting, postprandial, and oral glucose tolerance test. Diabetes Mellitus is an endocrine disorder characterised by the body’s inability to produce insulin or the ineffective use of insulin present in the body. The major classifications include type 1, type 2, and gestational diabetes (Day, Paul, Williams, 2016). While early signs and symptoms of diabetes mellitus may be present in individuals, the healthcare provider must perform several diagnostic tests in order to properly diagnose the disease and come up with a plan of treatment. There are a variety of serum glucose tests available to help diagnose prediabetes and diabetes†¦show more content†¦Typically, blood glucose values rise when digesting a meal. In non-diabetic individuals, the body is able rebalance these blood glucose levels within two hours to achieve homeostasis. If the test results in a blood glucose levels of 11.1 mmol/L or greater, a diagnosis of diabetes is common (Day et al., 2016). Yet another diagnostic test for prediabetes and diabetes is an oral glucose tolerance test (OGTT). However, OGTT’s are most commonly performed to check for gestational diabetes, which occurs during pregnancy (Day et al., 2016). Therefore it is recommended that pregnant women should be screened at 24-28 weeks of their pregnancy (Canadian Diabetes Association, 2015). The OGTT test is conducted by drinking a concentrated solution of glucose. Similarly to the postprandial test, blood glucose levels are tested to determine how quickly the body was able to process the glucose as energy. If the test results in a blood glucose levels greater than 11.0 mmol/L after 2 hours, it indicates a diagnosis of diabetes (Day et al., 2016). 2. Explain what a hemoglobin A1C lab test tells the health care team. â€Å"Glycosylated hemoglobin (referred to as HgbA1c or A1cA hemoglobin A1C) is a blood test that reflects average blood glucose levels over a period of approximately 2 to 3 months† (Day et al., 2016, p. 1309). This is beneficial as it provides the health care team with bigger picture and reflects long term blood glucose levels in patients. Sugar is an adhesive ingredient and

Monday, December 9, 2019

Reflective Detail of the Management Style

Question: Write an essay on Reflective Detail of the Management Style? Answer: Description The current essay is a reflective detail of the management style I bear through my final year of management placement as a student nurse. Delegation of the duties is the prime event on which this current essay is based upon. Analysis of this event of management involves the utilization of the updated and current references with close relation to the relevant theories and models in context of management. Feelings As a student nurse, I got the opportunity of managing the ward of the healthcare setting. It not only encouraged me but also provided me with the sense of empowerment as well. This opportunity came under the supervision of the ward manager. I faced a situation during the delegation of duties for the morning shift. I received a request from a senior Healthcare Assistant (HCA) about allowing her to work with another senior nurse (SN) in place of the assigned bank nurse to let both the HCA and the SN to work together. However, I had to ask her to for working with the bank SN because she is a permanent staff in the ward. I allowed the bank HCA to work with the permanent SN. This action of mine hold a reason behind that it will prove to be beneficial at a overall basis for the healthcare setting and the people in it. Evaluation Although the number of staffs in the ward was very small for which I faced a shortage of hands to deliver the care services but the shift went smoothly and efficiently. A good and efficient team was evident with the mix of various skills thus making the ultimate work much easier. A jovial and happy atmosphere among the people was seen to prevail at the hospital setting. I got a compliment from the ward manager regarding my ability to delegate the staffs in a good and efficient manner. It provided me with encouragement to achieve more experience on delegating staffs. Analysis Going by the words of Kershaw (2013), in the nursing role the leadership and management holds a vital position in current times. Leadership facilitates effective management execution to get things done. Management through effective delegation of staffs brings about staff empowerment (Nygrdh et al. 2011). The transactional management theory through transactional leadership depicts task and need orientation relating to reward. Classical management theory focuses on identification of the one best way for task management and performance. Maintenance of group effectiveness, executing problem-solving processes and group identity development are the prime need of an effective leader (Spitzer, 2015). In context of being accountable for task delegation and duties, the nurses need to ensure sufficient support and supervision on each individual with delegated tasks for a safe and compassionate healthcare service delivery. Conclusion It can be concluded that the staff management and staff delegation is a significant role of healthcare professionals for delivery of quality care services. The study reveals the assistance of the management theories and models in contributing to the success of the event. References Kershaw, B. (2013). Nursing Leadership ManagementNursing Leadership Management, Nursing Management, 20(3), pp.8-8 Nygrdh, A., Malm, D., Wikby, K. and Ahlstrm, G. (2011). The experience of empowerment in the patient-staff encounter: the patient's perspective,Journal of Clinical Nursing, 21(5-6), pp.897-904 Spitzer, R. (2015). An Effective Leadership Paradigm,Nurse Leader, 13(2), p.8.

Monday, December 2, 2019

Piano Concert Review free essay sample

I went to Simon Suns concert at Presbyterian Church, Williamsburg. Simon Sun is a senior at the College of William and Mary majoring in Neuroscience and music. He has played piano for almost seventeen years and was a finalist in the Young Artists International Piano Competition. I was so Impressed by his performance on that day, because I have started to learn piano at an early age also, but I could never be as good as he Is. Simon Is a skillful, dynamic, and energetic player.With a handsome appearance, Simon bowed to audience for a second and darted to play. He has played five big pieces of music totally. The first piece, China Gates by Adams John, was a dynamic one. Its all about changing modes as It passed through each gates. In Simonys performance, I could feel the changing In It. Think Its Important to attract audience with dynamic changing. We will write a custom essay sample on Piano Concert Review or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Then, he played Plano Sonata Pop. 57 In F minor by Beethoven Ludwig v. Its a long piece with three movements. Simon was not playing the Plano but actually controlled the piano. HIS figures moved fast and flexible. Sometimes, the right arm was crossed the left arm easily. Also, Simon was a good conductor. He has conducted a small symphony orchestra and a choir group in the concert. Its important to apply his piano experience on other music related areas. I have read a book called Outlier last year, it is said that once people have practiced one skill for more than ten thousand hours, they would be perfect at that skill. So does Simon, I guess he must both practice very hard during the past seventeen years and is a talented person.

Tuesday, November 26, 2019

Unlike No Other

Unlike No Other Unlike No Other Unlike No Other By Maeve Maddox I heard a radio announcer say that something was â€Å"unlike no other.† I could tell from the context that he meant the thing he was talking about was unique. As I usually do when I read or hear nonstandard usage in a professional context, I jumped on my search engine to see if anyone else was using it. What I found suggests that many speakers use â€Å"unlike no other† as if it did mean â€Å"one of a kind.† Relationship problem unlike no other? (about a boy who feels his romantic situation is unique) Urban Novel Unlike no Other (reviewer recommending a novel) Trees unlike no other (description of unusual trees) A community unlike no other! (a group of gamers) A show unlike no other (ad for an entertainment program) The expression â€Å"unlike no other† doesn’t mean â€Å"one of a kind.† On the contrary, it means â€Å"like all others.† The prefix un: â€Å"I am not unhappy.† is equivalent to â€Å"I am happy.† Note: A discussion of the two negatives equal a positive rule in English calls for a post of its own. This one focuses on why the expression unlike no other should be avoided. Like means â€Å"having the same characteristics as something else.† Adding the prefix un- to like creates an adjective that means â€Å"dissimilar.† Technically, to say that something is â€Å"unlike no other,† is to say that it is like everything else. To express the thought that something is â€Å"unique† or â€Å"one of a kind,† drop the un- and say that the thing is â€Å"like no other.† For example, Grab a cup of cider and head to Red Arrow Park in beautiful Milwaukee, Wisconsin for a fun, low-key New Years Eve like no other. A Race Like No Other: 26.2 Miles Through the Streets of New York (book title) Another way to express the thought is to use the phrase â€Å"not like any other.† They proof their dough for 24 hours which allows it to rise and ferment to a flavor not like any other bread available in Brooklyn This is truly a movie not like any other. Apparently the wording â€Å"unlike no other† sounds pleasing to the ears of many speakers, but it is not standard English. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:15 Terms for Those Who Tell the FutureBest Websites to Learn EnglishEach vs. Both

Saturday, November 23, 2019

Coal in a Nutshell

Coal in a Nutshell Coal is an enormously valuable fossil fuel that has been used for hundreds of years in industry. It is made up of organic components; specifically, plant matter that has been buried in an anoxic, or non-oxygenated, environment and compressed over millions of years.   Fossil, Mineral or Rock? Because it is organic, coal defies the normal standards of classification for rocks, minerals, and fossils:   A fossil is any evidence of life that has been preserved in rock. The plant remains that make up coal have been pressure cooked for millions of years. Therefore, it is not accurate to say that they have been preserved.  Minerals are inorganic, naturally-occurring solids. While coal is a naturally-occurring solid, it is composed of organic plant material.Rocks are, of course, made up of minerals.   Talk to a geologist, though, and theyll tell you that coal is an organic sedimentary rock. Even though it doesnt technically meet the criteria, it looks like a rock, feels like a rock and is found between sheets of (sedimentary) rock. So in this case, it is a rock.   Geology isnt like chemistry or physics with their steadfast and consistent rules. It is an Earth science; and like the Earth, geology is full of exceptions to the rule.   State legislators struggle with this topic as well: Utah and West Virginia list coal as their  official state rock  while Kentucky named coal its  state mineral  in 1998.   Coal: the Organic Rock Coal differs from every other kind of rock in that it is made of organic carbon: the actual remains, not just mineralized fossils, of dead plants. Today, the vast majority of dead plant matter is consumed by fire and decay, returning its carbon to the atmosphere as the gas carbon dioxide. In other words, it is oxidized. The carbon in coal, however, was preserved from oxidation and remains in a chemically reduced form, available for oxidation. Coal geologists study their subject the same way that other geologists study other rocks. But instead of talking about the minerals that make up the rock (because there are none, just bits of organic matter), coal geologists refer to the components of coal as  macerals. There are three groups of macerals:  inertinite, liptinite, and vitrinite. To oversimplify a complex subject, inertinite is generally derived from plant tissues, liptinite from pollen and resins, and vitrinite from humus or broken-down plant matter. Where Coal Formed The old saying in geology is that the present is the key to the past. Today, we can find plant matter being preserved in anoxic places: peat bogs like those of Ireland or wetlands like the Everglades of Florida. And sure enough, fossil leaves and wood are found in some coal beds. Therefore, geologists have long assumed that coal is a form of peat  created by the heat and pressure of deep burial. The geologic process of turning peat into coal is called coalification. Coal beds are much, much larger than peat bogs, some of them tens of meters in thickness, and they occur all over the world. This says that the ancient world must have had enormous and long-lived anoxic wetlands when the coal was being made.   Geologic History of Coal While coal has been reported in rocks as old as Proterozoic (possibly 2 billion years) and as young as Pliocene (2 million years old), the great majority of the worlds coal was laid down during the Carboniferous Period, a 60-million-year stretch (359-299 m.y.a.) when sea level was high and forests of tall ferns and cycads grew in gigantic tropical swamps. The key to preserving the forests dead matter was burying it. We can tell what happened from the rocks that enclose the coal beds: there are limestones and shales on top, laid down in shallow seas, and sandstones beneath laid down by river deltas. Obviously, the coal swamps were flooded by advances of the sea. This allowed shale and limestone to be deposited on top of them. The fossils in the shale and limestone change from shallow-water organisms to deep-water species, then back to shallow forms. Then sandstones appear as river deltas advance into the shallow seas and another coal bed is laid down on top. This cycle of rock types is called a cyclothem. Hundreds of cyclothems occur in the rock sequence of the Carboniferous. Only one cause can do that - a long series of ice ages raising and lowering the sea level. And sure enough, in the region that was at the south pole during that time, the rock record shows abundant evidence of glaciers. That set of circumstances has never recurred, and the coals of the Carboniferous (and the following Permian Period) are the undisputed champions of their type. It has been argued that about 300 million years ago, some fungus species evolved the ability to digest wood, and that was the end of the great age of coal, although younger coal beds do exist. A genome study in Science gave that theory more support in 2012. If the wood was immune to rot before 300 million years ago, then perhaps anoxic conditions were not always necessary. Grades of Coal Coal comes in three main types or grades. First, the swampy peat is squeezed and heated to form a brown, soft coal called lignite. In the process, the material releases hydrocarbons, which migrate away and eventually become petroleum. With more heat and pressure lignite releases more hydrocarbons and becomes the higher-grade bituminous coal. Bituminous coal is black, hard and usually dull to glossy in appearance. Still greater heat and pressure yields anthracite, the highest grade of coal. In the process, the coal releases methane or natural gas. Anthracite, a shiny, hard black stone, is nearly pure carbon and burns with great heat and little smoke.   If coal is subjected to still more heat and pressure, it becomes a metamorphic rock as the macerals finally crystallize into a true mineral, graphite. This slippery mineral still burns, but it is much more useful as a lubricant, an ingredient in pencils and other roles. Still more valuable is the fate of deeply buried carbon, which at conditions found in the mantle is transformed into a new crystalline form: diamond. However, coal probably oxidizes long before it can get into the mantle, so only Superman could perform that trick.

Thursday, November 21, 2019

The last year (1935) in the life of Huey P. Long (Louisiana Senator) Essay

The last year (1935) in the life of Huey P. Long (Louisiana Senator) - Essay Example Parker won the primary, and Long insisted that it was his doing. In that era before the advent of radio and electrical sound-amplifiers, a candidate's effectiveness was usually proportional to the lustiness of his voice at open-air rallies. Long's lungs were strong. Long perfected his oratorical technique in these campaigns. He spoke in terms of "we'": "We are a-goin' ter do this -- we done that." He eschewed polysyllabic words; he exaggerated his "hillbilly" accent; he reveled in the idioms of his native hills. Long's apologies were somewhat disingenuous. His formal education had been spotty, of course, but his ignorance was a pose. He was an able lawyer. Once when he was drunk, he uttered a franker appraisal of his own abilities. 1 Soon after the election, Long broke with the new governor, nominally because Parker was reluctant to levy higher taxes on Standard Oil. On August 30, 1923, his thirtieth birthday, Long announced his own candidacy for the governorship. The campaign began at once. Some opposition candidates might offer money for votes, Long predicted to his audiences. "So take the money and then vote for me." He cited his teachers as Abraham Lincoln, Andrew Jackson, and Almighty God. He assailed Governor Parker as "a damnable demagogue." He charged the New Orleans Item and the Times-Picayune with being journals of Wall Street. A heavy rain fell on Primary Day, January 15, 1924. Long's rural followers were kept at home. A second cause of his defeat lay in his inability to attract votes in the French parishes. The ambitious railroad commissioner soon found opportunity to appeal to Catholic Creoles and Cajuns of southern Louisiana. In 1926 United States Senator Edwin S. Broussard came up for reelection. Long set out to sell Broussard a French Creole Catholic, an advocate of a protective-tariff on sugar, and "as wet as Lake Pontchartrain" on the prohibition question to his Anglo-Saxon Protestant, low-tariff, "dry" followers in northern Louisiana. He stumped the state, told the Creoles that French blood flowed in his own veins, and referred to Broussard as "Couzain Ed." He assured his own disciples of his complete loyalty to the senator. Broussard squeaked through the primary with a 4,000-vote margin. Opposing Long in the gubernatorial primary of 1928 was Congressman Riley Wilson, candidate of the New Orleans "Old Regular" machine, which controlled much of the state through an alliance with the rural courthouse cliques. Long ridiculed Wilson as a "babe," although Wilson was twenty-two years older than himself and had already served seven terms in Congress. Governor O. H. Simpson also filed in the primary. Long's irrelevant and crudely humorous talk amused his followers. 2 Long provided his campaign with a slogan: "Every Man a King but No Man Wears a Crown." Long said he borrowed the vote catching words from that perennial Democratic-Populist seeker after the presidency, William Jennings Bryan. In a speech on "Imperialism," delivered in the campaign of 1900, the Great Commoner spoke of a "republic in which every citizen is a sovereign, but in which no one cares or dares to wear a crown." Henceforth, "Every Man a King" was to be Long's battle cry. Long's candidacy was considerably strengthened by

Tuesday, November 19, 2019

The Coca-Cola Company Essay Example | Topics and Well Written Essays - 3250 words

The Coca-Cola Company - Essay Example However, rising environmental concerns and 'green' initiatives adopted by various multinational companies have led Coca-Cola to adopt green marketing strategy. However, it is felt that the initiatives undertaken by them have yet to impact their brand image. This paper will highlight the importance of maintaining their market positioning and careful selection of target segment which will help the company to have more impact when introducing 'green' marketing initiatives. The paper recommends initiatives like use of renewable energy, celebrity endorsements, use of social networks site and presence in various 'green' events to build on their brand image of a 'green' organization. Coca-Cola is a multinational company with majority of its products ranging from varieties of carbonated drinks, juices and water. Carbonated drinks account for a major segment of soft drink industry. Soft drink has been increasingly popular among the younger generations and is the fastest growing industry in the beverage-industry. Coca-Cola has a strong market presence in the soft drink industry and has been continuously introducing various new products to satisfy the needs of their existing customers as well as attract new customers. ... Carbonated drinks account for a major segment of soft drink industry. Soft drink has been increasingly popular among the younger generations and is the fastest growing industry in the beverage-industry. Coca-Cola has a strong market presence in the soft drink industry and has been continuously introducing various new products to satisfy the needs of their existing customers as well as attract new customers. Through acquisition of local soft drink products, they have been strategically gaining competitive edge and strong local market presence. Coca-Cola's market strategy has helped them achieve high revenue and a strong brand image. Marketing strategies including buzz marketing, viral marketing, and celebrity endorsements have helped Coca-Cola to retain its brand image as well as remain competitive in the soft drink industry. In recent past, protection and preservation of natural environment have been one of the key promotional themes of many major corporations which are highlighted through 'green marketing'. Green marketing is a term that is used for activities spanning manufacturing a product to selling that product with a minimum impact on the environment. Environmental concerns like plastic disposal, wastewater discharge and increased energy consumption are some of the targets that companies have been considering. In view of these corporate-trends, the soft drink industry with Coca-Cola leading the bandwagon changed its manufacturing, packaging and distributing practices to address the environmental concerns and projecting themselves to be partners in the novel cause. With rising global concerns, consumers are also becoming more aware of their environment. They are becoming eco-friendly by

Sunday, November 17, 2019

IVe Seen the Promise Land Essay Example for Free

IVe Seen the Promise Land Essay Through understanding of his speeches and similar past leaders such as Moses and Jesus, it is clear how Dr. King established himself as the leader of the civil rights movement and his vision and strength led many to a better life filled with the freedoms that they had yearned for. The opening of this speech is inspirational yet it is also somewhat unexpected when put in the context of his other more famous works. When asked by God what age he would like to live in, he describes some of the most famous and wondrous places of all time, such as Ancient Greece or the Renaissance. Then, with a powerful swoop in his voice, he says: Strangely enough, I would turn to the Almighty, and say, ‘If you allow me to live just a few years in the second half of the 20th century, I will be happy. ’ Now thats a strange statement to make, because the world is all messed up. The nation is sick. Trouble is in the land; confusion all around. Thats a strange statement. But I know, somehow, that only when it is dark enough can you see the stars. Martin Luther King Jr. knew that the time had come to finally address the issues that had been conflicted within him as well as countless others. He states, â€Å"But now, no longer can they just talk about it. It is no longer a choice between violence and nonviolence in this world; its nonviolence or nonexistence. † He continued his speech by delivering messages from Jesus and various biblical passages to show why it is so important that they continued to be pushed forth and not remain idle. Even after their protest in Memphis they needed to keep marching forward, literally and figuratively. This speech was not only inspiring for the civil rights movements, but can also be used as an inspiration and a guideline to overcome any injustice that can be inflicted onto someone. Dr. King believed that when men and women had the mission of doing God’s will and standing up for what is right, that this would allow them to no longer fear death. Once you have conquered those who had at one point unjustly conquered you, then you are free. In addition to all the things Dr. King believed were needed to reach the â€Å"Promised Land†, the most important thing, though not directly stated by King, was the presence of an innate and inspirational leader who has a clear vision and the ability to express and correctly assert that vision onto those who want to quell injustice, along with the courage to fight against it himself. When you look at the difference between successful and also failed campaigns against injustice, the one thing that is always remembered is that in successful ones there was a leader who rallied his people. Moses was determined to lead the slaves out of Egypt and accomplished it by uniting them with his cause. Another example is Abraham Lincoln when he organized those around him and passed the Emancipation Proclamation of 1863. King Jr. embodied everything that Moses and Abraham Lincoln did for their people, and then some. Without him, the civil rights movement very well could have died down and the world would not be where it is at today. With this in mind, there are 3 key moments in Dr. King’s life that made him into the visionary who took on all the arduous tasks that were placed before him. First is the time he spent in Birmingham Jail and the letter he wrote. â€Å"Human progress†¦it comes through the tireless efforts of men willing to be coworkers with God, and without this hard work, time itself becomes an ally of the forces of social stagnation. This showed that he was willing to fight alongside his people and endure anything that they did, and that he would go to the greatest of lengths to make his point. The second and his most famous speech, â€Å"I Have a Dream†, delivered on August 28, 1963, not only sparked a fire under those who had already been involved, but additionally enlisted those who may not have had previously agreed with his beliefs or thought that change was not possible. It also gained global media attention and exposed his brilliance, showing what he truly envisioned for the future of his country. The third and final moment was his death the day after delivering his speech â€Å"I See the Promised Land†. His martyrdom was a symbol to all that things needed to, and were going to, change. From that very speech given in Memphis, he preached: Well, I dont know what will happen now. Weve got some difficult days ahead. But it really doesnt matter with me now, because Ive been to the mountaintop. And I dont mind. Like anybody, I would like to live a long life. Longevity has its place. But Im not concerned about that now. I just want to do Gods will. And Hes allowed me to go up to the mountain. And Ive looked over. And Ive seen the Promised Land. I may not get there with you. But I want you to know tonight, that we, as a people, will get to the promised land! In his speech â€Å"I’ve Been to the Mountaintop†, King delved into the current status of the civil rights movement and how he saw that the future was bright, as long as people continued to persevere in the face of adversity, and did not allow the opposition to deter them. He believed that they had come too far to let it slip away, and even without him as their leader he knows they can accomplish it. As with all other successful movements, a leader who is extremely persuasive, motivational, and is willing to do anything for what he believes in is key. For Dr. King, there were three crucial moments in his life that shaped him to become such, and they are: his prison time and letter from Birmingham Jail, his â€Å"I Have a Dream† speech, and his martyrdom. These not only made him the face and leader of the civil rights movement, but arguably the greatest and most influential leader in history. Bibliography King, Martin Luther Jr. â€Å"I’ve Been to the Mountaintop. Speech, Memphis, Tennessee, April 3, 1968. American Rhetoric. http://www. americanrhetoric. com/speeches/mlkivebeentothemountaintop. htm King, Martin Luther Jr. â€Å"Letter From Birmingham Jail. † (letter, Birmingham, Alabama, April 16, 1963. African Studies Center-University of Pennsylvania, http://www. africa. upenn. edu/Articles_Gen/Letter_Birmingham. html [ 1 ]. Martin Luther King Jr. ,  "I’ve Been to the Mountaintop† (speech, Memphis, Tennessee, April 3, 1968), American Rhetoric, http://www. mericanrhetoric. com/speeches/mlkivebeentothemountaintop. htm [ 2 ]. King Jr. , â€Å"I’ve Been to the Mountaintop† (April 3, 1968) [ 3 ]. Martin Luther King Jr. , â€Å"Letter From Birmingham Jail† (letter, Birmingham, Alabama, April 16, 1963), African Studies Center-University of Pennsylvania, http://www. africa. upenn. edu/Articles_Gen/Letter_Birmingham. html [ 4 ]. Martin Luther King Jr. , â€Å"I’ve Been to the Mountaintop† (speech, Memphis, Tennessee, April 3, 1968), American Rhetoric, http://www. americanrhetoric. com/speeches/mlkivebeentothemountaintop. htm

Thursday, November 14, 2019

The Benefits and Risks of Breast Augmentation Essay -- Breast Implant

The Benefits and Risks of Breast Augmentation Every day women are bombarded with images of beautiful models with thin figures and huge round breast. In striving to achieve the ?ideal? body type women are altering their bodies; cosmetic surgery has increased enormously in the past few years. Breast augmentation alone has increased 500% since 1992. What are the benefits of having big voluptuous breasts? Do the benefits overweigh the risks? There are two main types of breast implants. One is filled with silicone gel and the other is filled with saline (sterile salt water); both of these implants have an outer silicone shell. Prior to 1991 both types of implants were approved by the FDA, but in April of 1992 silicone filled implants were restricted by the FDA to patients with needs of reconstruction, replacement of deformities, and replacement of ruptured silicone-gel filled implants that were used for augmentation. Saline filled implants are currently approved by the FDA for women 18 years old or older desiring breast augmentation and for reconstruction in women of all ages. The restriction on silicone filled implants was provoked by the concern that the leaking of silicone gel could be detrimental to the body in the case that an implant ruptured. By contrast, a saline filled implant would only release salt water in to the body. However saline filled implants are not completely risk free. An implant is a foreign object in your body thus the body can and typically does form scar tissue around it. This scar tissue can squeeze and harden the implant causing it to rupture. The tightening and squeezing is called capsular contracture and may cause hardening of the breast, rippling of the skin, and changes in breast shape... ...not scientifically proven, many health risks may arise from breast implants. Such risks include rupture of implants, loss of sensation, inability to breast feed, hardening of breast tissue, rippling of the skin, and interference in the detection of breast cancer. There are other ways to enhance a woman?s breast but in the end it is her decision as to what route she wants to take. Bibliography California or Bust. Author: Wallace, Amy. Source: Los Angeles Magazine V. no 1 (Jan 2002) P 40-45 Saline Breast Implants Stay on Market as Experts Warn about Risks. Author: Linda Bren. Source: FDA Consumer 34 no4 Jl/Ag 2000 P 9-11 Implanting Fear. Author: B. D. Daniel & Michael Weiss. Source: National Review v47 P50 O 9 1995 Breast Surgeries Experiencing High Inflation Rates. Author: Judith Messina. Source: Crain?s New York Business v18 no14 P4, 34 Ap 8-14 2002

Tuesday, November 12, 2019

Lucent Technologies

Case analysis on Lucent Technologies: Global Supply Chain Management By, ROOPANVI DANDU Lucent Technologies: Global Supply Chain Management Lucent technologies are a manufacturing company that was a part of American Telephone and Telegraph Corporation (AT&T) until 1996. Lucent’s main product was the 5ESS switch. The switch was worlds most reliable and widely used switching system. Prior to 1996 the Asian supply chain has not been a high priority.The demand for Asian joint ventures was easily met by the manufacturing unit in United States. The high volume of production in Oklahoma City led to low production costs. Also AT&T’s large cash flow from the phone bills had insulated its manufacturing wing from the consequences of inefficient assent management and long time delivery times. Lucent’s independence made them loose the deep pockets of AT&T.At the same time many other factors like the booming Asian marketplace, significant price erosion for telecomm unications equipment, original part resourcing and manufacturing capabilities forced then to redesign the Asian supply chain. After the redesign the results were dramatic. 82 percent of parts were sourced with Asia, which led the factory to be three times as productive, inventory days of sales fell by more than half, time difference and long distance that had inhibited responsiveness were eliminated.Also due to its intimate knowledge of product cost, the factory was able to steer many bids towards configurations in which the switch had great cost advantage leading to competitive advantage needed to win the bid. They were many factors that led to revisit the Asia supply chain strategy. Due to unprecedented growth in cellular and Internet sectors, components demand outstripped supply, and huge material shortage developed. Leading edge procurement arrangements were sorely tested and in some cases broke down.The main five problematic areas were sole –sourced component lead times more than doubled, inventories increased by about 25 percent as assemblies could not be completed, the Taiwan factory had to commit to early parts delivery to ensure availability, product shipment to costumers were jeopardized and orders were at risk due to an inability to ship on time, premium prices were required in order to obtain expedited shipments of missing parts. Also the contract manufacturers were starting to get more involved in sophisticated telecommunication electronics.The switch was reaching the mature part of its life cycle. All these external and internal factors forced to rethink about the strategy. I would recommend reevaluation of supply chain to reduce the competition. To reduce material shortage I would suggest to design new technology that uses general products, forecast the demand, use contract manufacturers where their own manufacturing assets are not so profitable, order the parts beforehand so that premium prices can be avoided for missing parts.The main l esson learned form this case study would be to reevaluate your supply chain strategy every few years to be successful and ahead of the competitors. In order to effectively balance risk and opportunity, manufacturers, distributors, and retailers need to periodically rethink their strategies. . To improve the Supply Chain network Enhanced Collaboration should be implemented. It would dramatically minimize the delays and also reduces the costs. Work with suppliers to create contingency plans. Also to make supply chain more flexible increase product component standardization.

Sunday, November 10, 2019

Corporations today Essay

In the United States today there are millions of corporations in many different industries. All of them must abide by the current taxation rules and regulations that have been set by IRS and congress. The Internal Revenue Code, which was originally founded in 1939, set the foundation for the codification that we have in place today. The code arranged all Federal Tax provisions in a logical order and placed them in a separate part of the federal status. Over the years, congress has updated and amended the tax code in 1954, in 1986 Tax Reform Act, and is constantly updating the code due to its importance in assessing judicial and administrative decisions. The arrangement of the code is broken down starting with a Subtitle, broken down into chapter, subchapter, part, and then section (2). It is extremely important for Corporations today to make sure they understand the tax code so they can be aware of the benefits and consequences that may arise in daily business transactions. Asset and property transactions are a large of certain corporations day-to-day operations. Normally property and asset transactions will produce tax consequences if a gain or loss is realized. A transfer of property to a corporation in exchange for equity creates the grounds for a taxable sale and the amount to be recognized but there are exceptions to the rule (4). The code does provide exceptions to the rule and allows ways around recognizing a gain or loss upon the transfer of property to a corporation. Section 351(a) is one exception to the rule. The general rule states, â€Å"No gain or loss shall be recognized if property is transferred to a corporation by one or more persons solely in exchange for stock in such corporation and immediately after the exchange such person or persons are in control (as defined in section 368(c)) of the corporation†, according the internal revenue code (1). The idea and principal behind the rule is based on the transfer of property and isn’t a closed transaction because a transferor has not cashed in the position in the transferred property. Instead, the person continues to own the transferred property throughout ownership of the transferee corporation stock and there has just been a change in the form of ownership. Congress believes that tax rules should not hinder firms from making business decisions, hence why section 351 was written (10). In order for section 351 to be used and applied there are 3 items that must be met for the transaction to be considered for the non- recognition treatment. The first requirement is that there must be a transfer of â€Å"property† to a corporation. It is very important that corporations understand the definition of property because in the past issues have arose. Plant, Property, Equipment, installment obligations, and unrealized receivables of cash basis are all considered as property. The main property exclusion in the code is that services are not considered as property (6)(11). Another requirement is that the transferors must receive common or preferred stock that is not qualified preferred stock of the transferee corporation. Non-qualified preferred stock is not permitted because it has similarities to debt instruments. Stock warrants and stock rights are also excluded and would be treated as boot (7)(11). The third requirement that must be met in order for a corporation to use section 351 is that once the transfer is complete, the transferors must be in control of the transferee corporation within the meaning of section 368(c). Control means that the people involved must own a minimum of 80 percent of the total combined voting power and numbers of shares of stock. The two criteria for control both must be satisfied as per Rev. Ruling 59-259. Section 351 is a mandatory transaction if a transaction meets the provisions requirements as per Gus Russell, Inc. v. Commissioner, 36 T.C. 965 (1961)(8). If and when all of the section 351(a) requirements are met, the transferor will not recognize a gain or loss on the transfer property to the corporation. During the transaction, if the transferor receives boot, section 351(b) requires them to recognize the gain (capital, long-term, or short-term) equal to the lessor of the gain that would be recognized under section 1001 if the transferor were treated as selling property transferred and the fair market value of the boot received. Under section 351(b)(2), no such loss of any realized loss to be recognized (4)(8). There are situations where once the 351(a) factors are met, a transferor will transfer stock received to someone outside of the control group, and then the requirement after might not be met. A transferor might distribute some of the control received to the shareholders after the requirement based on 351(c). This type of distribution can be taxable to both the shareholders and the distributing corporation. Section 351(c) also relates to situations where there has been a transfer of stock to a corporation in a section 355 transactions (7). Section 351(c)(2) allows shareholders to dispose of all or part of the transfers stock without preventing the corporations Section 351 transaction from satisfying the â€Å" control immediate after† requirement (4). Section 351(d) states that there are times when services, certain indebtedness, and accrued interest not treated as property as per James v. Commissioner, 53 T.C. 63 (1969); cf. Hospital Corporation of America v. Commissioner, 81 T.C. 520 (1983). An example of this would be receiving stock for legal services (11). Even though there are major benefits to meeting the requirements of section 351, one of them being the ability to permit shareholders of a corporation to defer recognition of a gain or loss on the transfer of assets to the corporation, there are also times that it will be advantageous for a corporation to avoid using Section 351 for tax planning purposes (9). A transferor might want to be able to recognize the gain if it will not negatively affect them. If a transferor is in a low tax bracket or the gain could be a beneficial capital gain that could be offset with capital losses, they might not want to use section 351. Another scenario where it could be an advantage not to use section 351 would be if the transferor wanted to allow for immediate loss recognition. There are alternatives for a transferor who would like to recognize the loss (3). Back in March of 2005, the IRS and treasury department proposed a â€Å"net value† regulation to address the application of several non-recognition provisions to the code. The idea behind the proposal was to add the concept of â€Å"exchange of net value† requirement to Sections 332, 351, and 368(6). The reason being that a â€Å"net value† is appropriate because a transfer of property in exchange for the assumption of liabilities resembles a sale and should not be afforded. For the purposes of section 351, stock would not be treated as issued property unless the fair market value of the assets of the transferor corporation exceeds the amount of its liability immediately after the transfer (5). In conclusion, corporations need to make sure that they understand the tax codes and regulations that are set in place by the internal revenue code. Section 351 is a very interesting section and should be used in tax planning with corporations that are involved with property and asset transactions will that will produce tax consequences if a gain or loss is realized (2). In order for a corporation to use the section, all three preliminary requirements must be met. Just like any code section there are advantages and disadvantages of meeting the requirements and applying the code section to a corporation. Going forward it will be interesting to see if there will be any changes or amendments in the near future based on new court rulings. Works Cited Page (1) 26 USC Treas. Reg.  § 1.351 (2) Hoffman, Raabe, Smith, and Maloney. Corporations, Partnerships, Estates and Trusts. N.p.: South-Western, 2012. Print. (3) Richardson, William M. â€Å"Opportunities and Pitfalls Under Sections 351 and 721.† Opportunities and Pitfalls Under Sections 351 and 721. Willam and Mary, n.d. Web. (4) â€Å"Internal Revenue Code Section 351.† Www.bradfordtaxinstitute.com/Endnotes/IRC_Section_351.pdf. Bradford Tax Institute, n.d. Web. (5) Silverman, and Johnson. â€Å"Assessing the Value of the Proposed â€Å"No Net Value† Regulations.† Steptoe and Johnson LLP, 6 Oct. 2006. Web. (6) Jegen. â€Å"Section F-2033 – Income Taxation Of Corporations And Shareholders – Income Tax Effects.† Www.iupui.edu/†¦Tax/F-2033-EH.C&S.Tax.Effs.Of.Incorp.Pro.pdf. N.p., n.d. Web. (7) Leong, Lisa. â€Å"Section 351.–Transfer to Corporation Controlled by Transferor.† Associate Chief Counsel, n.d. Web. (8) Wells -Hall, C. â€Å"Tax Considerations of Transfers to and Distributions from the C or S Corporation.† Mayer, Brown, Rowe and Maw LLP, n.d. Web. (9) M&A Tax Report. â€Å"Thinking the Unthinkable: Recognizing Gain on a 351 Transfer.† Panel Publishers, n.d. Web. (10) â€Å"Corporate Formation.† Ocw.mit.edu/courses/sloan-school-of†¦/15†¦/session11.pdf. N.p., n.d. (11) â€Å"Code of Federal Regulations.† Http://www.gpo.gov/fdsys/pkg/CFR-2005-title26-vol4/xml/CFR-2005-title26-vol4-sec1-351-1.xml. Title 26 – Internal Revenue. CHAPTER I, n.d. Web.

Thursday, November 7, 2019

Free Essays on Speech For Condom Distribution In Schools

PERSUASION SPEECH INTRODUCTION Attention Getter: You are 15 and confronted with the very real situation of having unprotected sex with your older boyfriend. You don’t really want to do it, but you don’t want to look like a prude. You ask for a condom and your boyfriend said he thought you had it. You sigh in relief when suddenly he says, â€Å"Let’s just do it without one.† Not wanting to be branded as a prude you commence. The next day everyone is staring and you even heard someone mention the word slut. Two weeks later your pregnant and your boyfriend says it isn’t his. What’s next for you Preview: Unfortunately, situations like this happen everyday amongst our youth. It is unfortunate when a young person’s life is derailed so suddenly because of not using a condom. If only it was readily available to them. I. Does condom distribution in public schools promote sexual activity? A. Making condoms available in public schools gives students the opportunity to obtain relatively large numbers of condoms, which does not lead to increases in sexual activity but an increase in condom use among sexually active teenagers. B. Do condoms reduce the risk of pregnancies and Sexually Transmitted Diseases (STDs)? Yes! -Other than abstinence, the condom is the only effective protection against pregnancies and STDs such as the HIV virus and AIDS. C. The condom is the contraceptive of choice for anyone with any risk of exposure to STDs. -According to the National Coalition to Support Sexuality Education, â€Å"More than half of American teenagers have had sexual intercourse and face significant sexual health risks. D. Each year, over one million teenagers become pregnant, one in seven teenagers contract an STD, and one in five hundred students on college campuses are infected with HIV.† II. It is as though parents and schools have forgotten that some teenagers do not desire to be sexually ac... Free Essays on Speech For Condom Distribution In Schools Free Essays on Speech For Condom Distribution In Schools PERSUASION SPEECH INTRODUCTION Attention Getter: You are 15 and confronted with the very real situation of having unprotected sex with your older boyfriend. You don’t really want to do it, but you don’t want to look like a prude. You ask for a condom and your boyfriend said he thought you had it. You sigh in relief when suddenly he says, â€Å"Let’s just do it without one.† Not wanting to be branded as a prude you commence. The next day everyone is staring and you even heard someone mention the word slut. Two weeks later your pregnant and your boyfriend says it isn’t his. What’s next for you Preview: Unfortunately, situations like this happen everyday amongst our youth. It is unfortunate when a young person’s life is derailed so suddenly because of not using a condom. If only it was readily available to them. I. Does condom distribution in public schools promote sexual activity? A. Making condoms available in public schools gives students the opportunity to obtain relatively large numbers of condoms, which does not lead to increases in sexual activity but an increase in condom use among sexually active teenagers. B. Do condoms reduce the risk of pregnancies and Sexually Transmitted Diseases (STDs)? Yes! -Other than abstinence, the condom is the only effective protection against pregnancies and STDs such as the HIV virus and AIDS. C. The condom is the contraceptive of choice for anyone with any risk of exposure to STDs. -According to the National Coalition to Support Sexuality Education, â€Å"More than half of American teenagers have had sexual intercourse and face significant sexual health risks. D. Each year, over one million teenagers become pregnant, one in seven teenagers contract an STD, and one in five hundred students on college campuses are infected with HIV.† II. It is as though parents and schools have forgotten that some teenagers do not desire to be sexually ac...

Tuesday, November 5, 2019

Casca and the Assassination of Julius Caesar

Casca and the Assassination of Julius Caesar Publius Servilius Casca Longus, Roman tribune in 43 B.C., is the name of the assassin who first struck Julius Caesar on the Ides of March, in 44 B.C. The symbol to strike came when Lucius Tilius Cimber grabbed Caesars toga and pulled it from his neck. A nervous Casca then stabbed the dictator, but only managed to graze him around the neck or shoulder. Publius Servilius Casca Longus, as well as his brother who was also a Casca, were among the conspirators who killed themselves in 42 B.C. This honorably Roman manner of death came after the Battle at Philippi, in which the forces of the assassins (known as the Republicans) lost to those of Mark Antony and Octavian (Augustus Caesar). Here are some passages from ancient historians that describe the role Casca played in the assassination of Caesar and inspired Shakespeares version of the event. Suetonius 82 As he took his seat, the conspirators gathered about him as if to pay their respects, and straightway Tillius Cimber, who had assumed the lead, came nearer as though to ask something; and when Caesar with a gesture put him off to another time, Cimber caught his toga by both shoulders; then as Caesar cried, Why, this is violence! one of the Cascas stabbed him from one side just below the throat. 2 Caesar caught Cascas arm and ran it through with his stylus, but as he tried to leap to his feet, he was stopped by another wound. Plutarch   66.6 But when, after taking his seat, Caesar continued to repulse their petitions, and, as they pressed upon him with greater importunity, began to show anger towards one and another of them, Tullius seized his toga with both hands and pulled it down from his neck. This was the signal for the assault. 7 It was Casca who gave him the first blow with his dagger, in the neck, not a mortal wound, nor even a deep one, for which he was too much confused, as was natural at the beginning of a deed of great daring; so that Caesar turned about, grasped the knife, and held it fast. At almost the same instant both cried out, the smitten man in Latin: Accursed Casca, what does thou? and the smiter, in Greek, to his brother: Brother, help! Although in Plutarchs version, Casca is fluent in Greek and reverts to it in a time of stress, Casca, well known from his appearance in Shakespeares Julius Caesar, says (in Act I. Scene 2) but, for mine own part, it was Greek to me. The context is that Casca is describing a speech the orator Cicero had delivered. Nicolaus of Damascus First Servilius Casca stabbed him on the left shoulder a little above the collar bone, at which he had aimed but missed through nervousness. Caesar sprang up to defend himself against him, and Casca called to his brother, speaking in Greek in his excitement. The latter obeyed him and drove his sword into Caesars side.

Sunday, November 3, 2019

Teens and young adults covet certain brand-name clothing because they Essay

Teens and young adults covet certain brand-name clothing because they believe it promotes a particular image - Essay Example The brand image is a key factor that determines the success in marketing a brand. The image helps products associated with a particular brand to stand out from competing products. A good brand creates a connection with the customer as the sole total solution to the customer’s wants. It positions itself as being the consumer’s first choice. This essay will outline the role of companies and their consumers in branding. By means of examples, it will seek to establish who drives a brand image. Company role in branding Brands like Coca Cola, Gillette, Pepsi and Adidas are successful all over the world. This success and positive reception by the consumers can be attributed to quite a number of roles played by the companies. Strategic marketing, with an objective and a target audience is essential in developing a positive brand image. A key example is Adidas’ association with sports. Adidas has over the years sponsored sports competitions such as the Adidas Championship Football and hence increased its brand’s visibility. Adidas also place big sized shoes at public places. These Adidas branded shoes increase the company’s visibility and hence a stronger brand image. A simple slogan and company symbol are also essential in creating a permanent association to the brand by the consumer. Symbols such as Adidas’ three blue stripes and Nike’s tick are easily recognizable. These two symbols are associated with sports in the eyes of the consumer (Philip 2006). Building a strong brand image also entails endorsements and association with the right persons. Association with well known, successful and trusted personalities increases the chances of a brand having an edge over its competitors. Association with well known persons may give the customer a sense of security on a product and a feeling of attachment to the star. This is especially true when the consumer is a fan of the endorser. Such endorsements come mostly from sports pe rsonalities, such as Jordan’s endorsement for Nike. David Beckham and Zinadine Zidane, two legendary football stars remind one of Adidas. Along with these roles, manufacturing quality products that satisfy consumers’ needs, having a good public reputation as a company and delivering promises on a product helps create a strong brand image (Philip 2006). The brand name Adidas is easy to recall. It stands out from competitors’ names and the logo is easily noticeable. This creates a distinct identity hence image of Adidas on consumers. Adidas has dedicated resources to aid in optimization of its products so as to be able to deliver the best sportswear and equipment a sportsperson can access. This has led to production of quality products and hence reinforced Adidas’ brand image in sports. Adidas CEO, Adi Dassler ensures personal presence at important sports functions thereby creating a connection between him and consumers. This earns Adidas consumer loyalty a nd more attachment to the brand (Aaker & Joachimsthaler 2006) Consumers’ role in branding The consumer’s role in branding cannot pass un-noticed by companies. Consumers have needs and expectations on a product. They tend to choose the product which meets their needs and fulfils their expectations. With online forums and social networking sites, consumers can discuss and rate various brands of a product. The shared opinions form an image of the respective brands to new consumers. This image governs the new consumers’

Friday, November 1, 2019

APA Assignment Essay Example | Topics and Well Written Essays - 250 words - 1

APA Assignment - Essay Example gn trail† (2012, p.1).   The campaigns in America shocked even the players themselves with Obama decrying the negative onslaughts by Romney, who kept insisting on the significance of elevating the debate. When American voters were asked to comment on their take on the negative ads, their views were divided. The interview by ABC news showed that some voters argued that negativity can not be avoided because it works in politics. Others thought that while the campaigns are awash with negativity, aimed at persuading them, they hated this daylight bashing on televisions. One of the interviewees from Orlando, Julie Petosa, was concerned about the escalating tone and resigned â€Å"I don’t know how we’re going to live through three more months of it† (2012, p.1). An analysis by Kantar Media/CMAG data analyzed that three quarters of the $332 million channeled on TV advertising went towards negative ads. Many voters reasoned that although negative attacks vary in intensity and they wished they could avoid listening to them so as to maintain positive

Tuesday, October 29, 2019

Power hand drill Essay Example | Topics and Well Written Essays - 3750 words

Power hand drill - Essay Example The grouping or classification of hand drills depends mainly by the maximum size of drill bit shaft that the drill chuck can hold. A power drill comprises mainly of two sub-systems, which are mechanical and electrical. The two sub-systems play specific, different, and important roles in the working of the electrical hand drill. The first subsystem, which is the mechanical, has components, which transfer, translate, and apply forces in the hand drill. The electrical subsystem mainly deals with power. It has components that supply and control power flow in the hand drill. In this paper, we look on how to design an efficient and functioning hand drill. We will have a list of each mechanical component, the materials of the parts and the mechanical properties of this material. After designing the hand drill, we try to look on how to improve it to work more efficiently. Specifications of the hand drill 1. The input power is 800w 2. Its speed is 0-800rpm 3. Has a chuck capacity of 10mm 4. D rill capacity (a) Steel: 13mm (b) Wood: 25mm Mechanical components of the hand drill. Frame Shigley, (2008 Pg. 23) This is the outer part of the hand drill and it covers the inner mechanical and electrical components. One can also refer it to the housing. This component comprises of hard plastic. The mechanical property behind the idea of using the plastic is that it is a poor conductor of heat and electricity. Since the hand drill produces heat as it is in use, the frame does not get to harm or burn the user since its conductivity to heat is very low. Plastic also makes it safe for the user to use, as the risk of electric shock is minimal. This part is to be high smooth hence polishing is very important as it should be comfortable for the user to hand while using it. Plastic also makes the machine to be less heavy and the user can comfortably carry it without straining and in case of any accidents, the user is less likely to be less hurt by the frame as it is of plastic in nature. Two gears assembly Shigley, (2008 Pg. 23) There is transmission between the chuck and the motor. This transmission consists of pears of gears. We use gears from alloy steel elements for example stainless steel. Gears require materials of have a high resistance to corrosion. Steel gears offer high strength and has a wide range of heat treatment properties. Steel gears are also very durable and they provide the highest strength. Austenitic stainless steel is non-magnetic and has good corrosion resistance. These are the mechanical properties of this material. They can also be martensitic stainless steel that is easy to harden with heat, has magnetic properties, and have reasonable resistance to corrosion. This stainless steel (martensitic) is more appropriate to use as there is a high power ratings and it will therefore make the machine more effective Chuck Shigley, (2008 Pg. 23) It comprises the outer and front section of the hand drill. It has jaws, which holds the drill bits in posi tion. We use a chuck that has three-jaw attachment that applies radial gripping to certain number of drill bits and accessory shafts. Chucks from stainless steel are the most appropriate. They provide high resistance to corrosion, as they are mainly hard. This mechanical property makes it more suitable as it is always in contact with the drill bits, which are always in constant motion and act on materials of different hardness. Stainless steel also lasts longer and it is

Sunday, October 27, 2019

What Is Sugar Sweetened Beverages Health And Social Care Essay

What Is Sugar Sweetened Beverages Health And Social Care Essay Sugar sweetened beverage means any nonalcoholic beverage Carbonated or noncarbonated, which is intended for human consumption and contains any added caloric sweetener. [1] In addition, it contains more than 10 calories per 8 ounce. These beverages include: sweetened water, non diet soda, fruit or vegetable drinks containing less than 70 % natural fruit or vegetable juice, sports drinks, energy drinks and sweetened bottled coffee or tea. Sugar sweetened beverages provide little or no nutritional value, but contain huge amount of sugar. [2] Ø ªÃƒËœÃ‚ ¹ÃƒËœÃ‚ ¯Ãƒâ„¢Ã…  Ãƒâ„¢Ã¢â‚¬Å¾.. One 12-ounce can of sugar-sweetened soda contains 150 calories and 40 to 50 grams of sugar. If these calories are added to a typical US diet with no offsetting reduction in other caloric sources, one can of soda per day can lead to a 15-pound weight gain in a year. A better mechanism for weight gain could not have been developed than introducing a liquid carbohydrate with calories that are not fully compensated for by increasing satiety. Liquid calories are a relatively new addition to the human diet-perhaps the human satiety circuit has not yet adapted to register these calories for what they are. Dr. Caroline Apovian, Sugar-Sweetened Soft Drinks, Obesity, and Type 2 Diabetes, American Medical Association,2004; Emerging_ evidence_ also_ suggests_ that_ higher_ consumption_of_ sugar_sweetened_ soft_ drinks_ may_ raise_ the_risk_of_developing_type_2_diabetes_and_the_metabolic_syndrome._Soft_drinks_contain_large_amounts_ of_ simple_ sugars,_ which_ can_ induce_ higher_ glycemic_ and_ insulinemic_ responses._ Soft_ drinks_ are_ an_ important_source_of_glycemic_load_in_the_diet,_which_has_been_associated_with_the_risk_of_developing_ type_2_diabetes_and_cardiovascular_disease. Frank B. Hu MD, PhD, SUGAR_SWEETENED_SOFTDRINK__ CONSUMPTION_AND_RISK_OF_TYPE_2__ DIABETES_AND_CARDIOVASCULAR_RISK,CMR,2009;2,2,13-18 Health consequences of (SSB): In fact, sugar sweetened beverages cause health risks both because of what they include (mainly sugars, extra calories, and various additives) and what they replace in the diet (foods and beverages that provide minerals, vitamins, and other nutrients). SSB and Obesity: Obesity becomes the most prevalence public health problem that increases dramatically. The prevalence of overweight is tripled in children and adult. There are many environmental factors that associated with development of obesity due to change in food and beverage consumption. These factors that may influence children to consume soft drinks are different such as taste, preference, soft drink availability and television viewing. From the survey which was done for 560 American children, the researchers found that over 80% of respondent consume soda at least weekly, and 30% consume soda daily [3]. Also they found that these children who consume soft drinks, their parents and peers share them and they watched TV 3.5hday and have easily access to soft drinks in both home and school. Researchers also found that there is association between increased sweetened beverage and increase in BMI. Some studies show a clear relationship between consumption of sugar sweetened beverage, particularly soft drinks, and increase in the prevalence of overweight and obesity. Knowing the factors that contribute to the consumption of soft drinks will aid in prevention and treatment of overweight in children and adolescent. Dietitian must increase parents awareness of unhealthy life style, behavior, help them to control familys eating habits, limit watching TV. For children who are at risk of overweight, limit access to soft drinks and decrease TV viewing [4]. In some point, families and their children may resist making life style changes, so addressing these factors may encourage them to make decision in their eating habits. Family can also develop a strategy to modify their life style and improve their health, so the results will be healthier children, families who can battle the epidemic of obesity [5]. Indeed a number of large scale epidemiological studies have found consistent positive associations between SSB consumption and long-term weight gain and risk of chronic diseases including metabolic syndrome (MetSyn), T2DM and CHD. SSB consumption is thought to lead to weight gain because of the high added sugars content and low satiety of these beverages and incomplete compensation for total energy at subsequent meals following intake of liquid calories. In addition, because of their high amounts of rapidly absorbable carbohydrates such as sucrose or high-fructose corn syrup (HFCS), coupled with the large quantities often consumed, SSBs may increase risk of T2DM independent of obesity as a potential contributor to a high dietary glycemic load (GL) which lead to inflammation , insulin resistance, and impaired beta-cell function. Hu FB, Malik VS, Sugar-sweetened beverages and risk of obesity and type 2 diabetes: Epidemiologic evidence, Physiol Behav (2010), doi:10.1016/j.physbeh.2010.0 1.036 Several recent studies suggest that increased abdominal adiposity and waist circumference (W_ C) is a strong predictor of all cause mortality [7]. The consumption of nonalcoholic carbonated beverages or soft drinks and sweetened juices by children has rapidly increased during short period displacing water and nutrient dense beverage such as dairy products. [8] As it stated before that obesity among children becomes a big health concern around the world. The prevalence of overweight and obesity amongst children in Qatar state has previously been reported between 37.5% and 41.6 % [9] males and females children respectively. In general, obesity presents an entirely new set of public health problem reported in Qatar, considering a major risk factor for non- communicable diseases. Obesity is a risk factor for cardiovascular disease [10], Diabetes [11] and certain types of cancer [12]. It can also be associated with non- fatal but debilitating illnesses such as respiratory difficulties, infertility and musculoskeletal disorders [13]. According to data available in previous studies, overweight and obesity among Qatari adolescents from both sexes are 23.6% and 36.5% [14] females and males respectively. Childhood corpulence is a predictor for adult disease [15]. In particular recent studies have shown that increased BMI in childhood may predict the occurrence of obesity in adulthood [16, 17]. In children as apposed to adults, the BMI values vary with both age and gender, thus the proffered assessment is BMI- for- age, in which children with body mass index (BMI) for age between 85th and 95th percentile are classified as being overweight and those in the à ¢Ã¢â‚¬ °Ã‚ ¥ 95th percentile are considered obese [18]. Excessive calorie intake in the form of a number of macronutrients has been associated with weight gain. energy intake from sugar- sweetened beverage (SSB) now accounts for a significant fraction of the total caloric intake of young people[19], and consumption has been implicated in promoting obesity in several ,but not all studies[20]. The World Health Organization has implicated the consumption of sugar sweetened beverages (SSBs) as probable contributor to the obesity epidemic. The National Food Survey in the United Kingdom documented a five fold increase in household consumption of SSBs between 1974 and 1999, from 180 to 976 g/wk. A similar trend was observed in the United States, where the average daily consumption of SSBs by children (6 to 17 y of age) more than doubled between 1977 and 1998, from 150 to 350 g/d (5 to 12 oz/d) [21]. Sucrose, fructose and glucose -sweetened beverage intake has been associated with poor diet quality and fast food consumption [22]. In a study published in United State, they include desire to drink DD scale which measure difference in the quality and frequency with which children want to drink. Behavioral correlate of DD: High scoreÆ’Â   more frequent desire to have drink but indication of type of drink. DD relates to thirstÆ’Â   scores should be associated to or with all consumption of all drinks. DD relates to liking for sweet things in mouthÆ’Â   high score would be expected to consume higher quantities of sweetened beverage [23]. Consumption of SSB and obesity in childhood Studies reviewed Several studies have been published examining the potential contribution of sugar-sweetened beverages (SSB) to weight gain in children. There are many cross-sectional studies identified, some of these reported a positive association between the frequencies of intake sugar sweetened drinks and obesity while some found no association. Overall, there is extensive evidence that sugary drinks contribute to weight gain in children. Both baseline intake and changes in the intakes of these drinks are associated with an increase risk of weight gain in both children and adolescents Ludwig DS, Peterson KE, Gortmaker SL. Relation between consumption of sugar-sweetened drinks and childhood obesity: a prospective observational analysis. Lancet 2001; 357:505-508. A study conducted in United State on sample of 10,371 boys and girls aged 2-19 years from representative US sample. The results were positive linked that overweight children BMI > 95th consume a grater % of energy from soft drinks and total beverages than non-overweight children. Troiano RP, Briefel RR, Carroll MD, Bialostosky K. Energy and fat intakes of children and adolescents in the United States: data from the National Health and Examination Surveys. Am J Clin Nutr 2000; 72:1343S-1353S. Another study conducted on 185 Canadian children aged 4-16 years also indicated appositive association between high consumption of SSB and increase BMI and overweight. Gillis LJ, Bar-Or O. Food away from home, sugar-sweetened drink consumption and juvenile obesity. J Am Coll Nutr 2003; 22:539-545. The results of a study on 3048 multi- ethnic New Zealand children from both gender aged 5-14 years stated that children dinking soft drinks > 1 per day had higher mean BMI than those with intake Scragg R, Wilson N, Schaaf D, Fitzgerald E, Utter J. Risk factor for obesity in New Zealand children aged 5-14 years: results from the 2002 national Children.s Nutrition Survey. Australasian Epidemiologist 2004;11:23-24. Findings from small food consumption studies from various countries including South Africa, the Philippines and New Zealand are also indicative of high consumption levels of sugar sweetened beverages. A recent study was conducted in Saudi Arabia, a total study sample consisted of 9433 males and females aged 10- 19 years old participated in a designed Food Frequency Questionnaire. BMI and W_C measurements were obtained and correlated with dietary Intake. The results show that the overall prevalence of overweight and obesity was 12.2% and 27.0% respectively, with boys having higher obesity rates than girls. W_C and BMI was positively correlated with sugar sweetened carbonated beverages (SSCB) intake in boys only. Kate S Collison, Marya Z Zaidi, Shazia N Subhani.al, Sugar- sweetened carbonated beverage consumption correlated with BMI, waist circumference, and poor dietary choices in school children, BMC Public Health, 2010;10: 234,2-12. Bones and osteoporosis People who prefer to drink soft drinks and or any type of sweetened beverages instead of milk or other daily products probable their intake of calcium will be low and this will lead to osteoporosis, which is a disease that cause bone fragile and broken . The risk factor of osteoporosis depends on how much bones mass is built up early in life. Girls build 92 percent of their bone mass by age 18, but if they dont consume sufficient calcium in their teenage years, they can not catch up later. Thats why experts recommend higher calcium intakes for youths aged 9 to 18 than for adults aged 19 to 50 [24]. Although osteoporosis takes decades to develop, preliminary research suggests that the lower calcium intake that may result for example from drinking soda pop instead of milk can contribute to broken bones in children [25]. Heart Disease Heart disease is the nations number- one killer. Some of the most important causes are diets high in saturated and trans fats and cholesterol. In many adults, a diet or beverage that is high in sugar may also be a modest contributor to heart disease [ 26]. A study of young adults (19 to 38 years old) in Louisiana found a strong association between consumption of sweetened beverages and risk factors for syndrome X [27]. Diabetes In fact, soft drinks are harmful for people with diabetes since one pack of them contain 33 grams of table sugars (sucrose) and this type of sugar is absorbed rapidly which will raise blood sugars quickly. This action impacts negatively on controlling diabetes [28]. Kidney stones Kidney stones consider as one of the most painful disorders to distress humans and one of the most common disorders of the urinary tract. Researchers had subjects consume large volume of cola drinks for one or several days. The next day, the subjects urine contained higher levels of oxalate and lower levels of magnesium and citrate, changes that could contribute to kidney stone formation [29 ]. SSB and Tooth Decay Scientists have noticed a connection between soft drink consumption and dental health. Like obesity (or any issue involving human health), tooth decay is a complex subject. It is the result of many factors, including the types of foods that are consumed and frequency of eating occasions. Foods that are sticky and cling to the teeth are more likely to cause tooth decay. The amount of time that sugar remains in contact with teeth is another important variable. Soft drinks and other sugar-containing liquids pass over the teeth very quickly. A recent study examined dental caries and beverage consumption among 1- to 5-year-old children and found an association between soft drinks and increased caries. Marr Barr,Longmont, Colorado, Soft Drinks, Childhood Overweight, and the Role of Nutrition Educators, Nutrition Education and Behavior, 2004; 36:258-265. In addition, drinking soft drinks between meals was found to increase the number of dental decay and caries in a twenty-year longitudinal study. As a result of an increasing consumption of soft drinks and commercial fruit juices, over the past years, the prevalence of dental erosion and decay has increased dramatically. Acids from the soft drinks have been known to induce the dissolution or erosion of dental enamel as well as caries lesion due to the combined effect of bacteria and degradation of carbohydrates present in the drinks [30]. Nationally, there is great concern about the effects of carbonated- beverages consumption on obesity, osteoporosis, heart diseases, tooth decay, and other health problems. Sites in blue is Okay  Ã…  

Friday, October 25, 2019

Siberian Tigers :: essays research papers

What it looks like: Siberian tiger is the largest and most rare of all members of the cat family. This cat is 8-10 feet long, excluding their 25-38 inch rattling tail. This species of tiger weighs 400-700 pounds. Like all members of the tiger family, males are significantly larger than females.   Ã‚  Ã‚  Ã‚  Ã‚  The fur of the Siberian tiger is long, thick and yellow with dark black stripes running through it. The coat of this animal is reddish colored in the summer months. The underside of the Siberian tiger is bright white, and the tail area is white and black. What its eating habits are: Like all members of the cat family, tigers are carnivores. The Siberian tiger hunts a wide range of prey, including small mammals, deer, water buffalo, wild pigs, and birds. Tigers ambush their prey, often camouflaging themselves and observing their intended victims for long periods of time. Siberian tigers are strong animals, able to tackle large animals almost twice their size, and render the victim helpless by inflicting a series of deadly bites into the animal's spine or throat. This semi-nocturnal animals covers 6-12 miles each night in search of food. MATING: Siberian tigers mate in winter months and following a 3-5 month gestation period, the female produces 3-4 cubs. Cubs weigh just over 2 pounds each and are born blind. The small litter of cubs stay close to their mother for the first 8 weeks of life. By 18 months, the young are capable of hunting on their own. Young stay with their mother for 2 years, at which time they leave the pact and travel solo. The life span of the Siberian tiger is 15 years in the wild, and significantly longer in captivity. LIFESTYLE: The Siberian tiger at one time ranged through Korea, China, parts of Russia, and Siberia. Today, they are near extinction in all areas, except Russia. The Siberian tiger is a solitary animal, preferring to travel and hunt alone or with a small pack. This animal lives in mountainous regions and heavily forested areas. The tiger's first line of defense is the rattle at the end of its tail. The Siberian tiger will shake the tail to warn off enemies or communicate to others the threat of danger. This cat is a powerful jumper and climber, also capable of running at high speeds. The paws of the Siberian tiger are equipped with long, sharp, dagger-like retractable claws.

Thursday, October 24, 2019

A Manager’s Performance and Success

Knowledge about organisational behaviour has become very important to a manager's performance and success. Therefore, it is not surprising that writers often claim to have the information that managers need if they are to excel in their jobs. In Search of Excellence is one of the most well known books of this type. In the book, Peters-and Waterman outlined seven principles that they claimed to be excellent management tactics and a â€Å"7-S Framework.† In Search of Excellence is a book dealing with many different principles of economics and what makes big business' excellent. The first idea that the author discusses is his chart of the 7-S Framework. The graph is very simple but the ideas are fairly complex. In their research, they found that their concepts were too hard to explain and easily forgettable. They made this framework to deal with strategy, structure, style, systems, staff, skills, and shared values. This has 7 S's and a graphical representation to visualize. This shows the businessman that problems can be managed. For example, anyone assuming that a new manager of a Macdonald†s will perform exactly as the old manager did is ridiculous. The workers must adjust and adapt to the new manager's way of business. The first principle is a bias for action. This is basically saying â€Å"Stop talking and do something about it.† When Macdonald†s has a rush of customers and their supplies for making food are low, they (usually) don't say â€Å"You know what, I have no more cheese† or â€Å"Could someone get me some more cheese?† They take action and get the cheese, make it if necessary, and get the problem solved as quickly as possible. The second Principle they deal with is to be close to the customer. This means good service and listening to what the customer has to say. If the producer, Macdonald†s, is not in touch with what the customer wants to eat, then the business will most likely fail. Although it also refers to customer satisfaction; quality food made right and good service, â€Å"Have a nice day and enjoy your meal!† The third basic principle is productivity through people. This deals with the individual as the best means for efficiency improvement rather than capital investment. If Macdonald†s could put everyone in the area of work they most enjoyed (drive-thru, washer,†¦) then they could produce more food and maximize their business. The forth basic principle is hands on, value driven. This is the standard setting and enforcing values in a company. This is keeping the boss in touch with the assembly line worker and projecting the company's original ideas, instead of an image of some suited businessman who confines himself in an office. The fifth and often obvious principle is to stick to the knitting. The basically says that if a company is in the food business, it should not branch off into the computer business unless they have no where else to expand in the industry they are already in. The sixth basic principle is a simple form, lean staff. This means leaving few people up top to manage a company and keep the form of management simple. The seventh and final basic principle is simultaneous loose-tight properties. This is another value-based principle. This could be described as the ability for a worker of Macdonald†s to do his/her job in his/her own way as they incorporate the company's values and concepts into their work. These values demonstrate that they don't just work because they work, but rather because they just make sense. In search of excellence shows that the excellent companies had been based on the basics. The companies had to try to keep things simple. Sometimes, to a big business, it might seem logical that business should be run more complex the larger it is. From research, this is usually not true. Ignoring the seven principles above would be foolish in the business world.

Wednesday, October 23, 2019

Environment Analysis Essay

Organizations analyze the environment in order to understand the external forces so that it could help to develop effective responses to secure or improve their positions in the future. There existed a positive relation between environmental analysis and profits of an organization. Top management looked at information in two ways: viewing and searching information. This information needed to be evaluated and disseminated to strategists within the organization and to help top management to make decisions that could create strategic advantage for the organization to succeed in a changing environment 1. There were research evidences that showed that environmental analysis was linked with improved organizational performance. Hence, it remained insufficient to assure performance, without aligning information with strategy. The main debate in strategy and environment was concerned with the primary importance of the environmental analysis in strategy formulation and implementation. 84 Reserve Bank of India The Reserve Bank of India is fully owned by the Government of India. Initially it was viewed to bring the greater coordination of the monetary, economic, and financial policies. During fifties objectives of Reserve Bank of India underwent changes. It was recognized that Reserve Bank of India needs to take on direct and much more active role, in developing machinery for financial development in order to ensure flow of finance in the country. Reserve Bank emerged as a regulatory and a growth promoting institution. In the beginning limited to the agricultural sector, the Bank later covered small-scale industries as well. The affairs of Reserve Bank of India are governed by the central board of directors. The board is appointed by the Government of India according to the Reserve Bank of India Act. The preface of the Reserve Bank of India describes the basic functions of the Reserve Bank as: â€Å"to regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary stability in India and generally to operate the currency and credit system of the country to its advantage† 2. The Reserve Bank? s freedom may be viewed broadly to the areas like management including personnel matters, financial aspects, and to conduct polices. Managerial freedom refers to the procedures for appointment, term of office and dismissal procedures of top central bank officials and the governing board. It also includes the extent and nature of representation of the Government in the governing body of the central bank. 85 Financial freedom relates to the freedom to decide the extent of Government expenditures directly or indirectly financed by the central bank? s credits. Finally, policy freedom is related to the flexibility given in the formulation and execution of monetary policy, under a given authorization. Reserve Bank of India has over the years been responding to changing economic circumstances. The Reserve Bank of India performs the function of financial supervisor under the guidance of Board for Financial Supervision. This board undertake consolidated supervision of the financial sector comprising of Commercial Banks, Financial Institutions, and Non-Banking Finance Companies. The key functions played by this board were restructuring of the system of Bank, introduction of off-site scrutiny, strengthening the role of legislative auditors, and strengthening the internal defences of supervised institutions. Currently this board focus on supervision of financial institutions and legal issues in Banks. Reserve Bank of India acts as a guard for Commercial Banks. Commercial Banks are required to keep a certain proportion of cash reserves with the Reserve Bank and Bank provide them various facilities like advancing loans, underwriting securities etc. Reserve Bank of India controls the volume of reserves of Commercial Banks and thereby determines the deposits and credit creating ability of the Banks. Whenever Commercial Banks need funds they get it from the Reserve Bank of India. Apart from playing the role of Banker to the Banks, Reserve Bank of India also play promotional role. The aim is to establish and assist the establishments of a number of financial intuitions for filling up of various financial institutional gaps in the rural and semi-urban areas. 86 Other roles played by Reserve Bank of India are: Reserve Bank stabilizes the external value of the national currency. The Reserve Bank keeps gold and foreign currencies and manages foreign currency in accordance with the controls imposed by the government. Reserve Bank of India facilitate external trade and payment and promote orderly development and maintenance of foreign exchange market in India. Reserve Bank has taken the responsibility of meeting directly or indirectly all legitimate demands of Commercial Banks under emergency conditions and to a certain extent Reserve Bank influence the credit policy of Scheduled Banks. The Reserve Bank has instrument of control in the form of the bank rate, which it publishes from time to time 3. A list of the Reserve Bank of India Committees from 1990- 2008 was prepared to get an impression about developments with respect to Banking Industry (Appendix- III). The recommendations resulted into remarkable changes in products and policies of Banking Organizations. Indian Bank’s Association (IBA) Indian Bank? s Association is a leading service organization of Banking Industry in India. It aims to integrate Banking and finance system catering to all financial requirements of customer? s. It was formed in 1946 with 22 members. Today Indian Bank? s Association has more than 159 members comprising of Public Sector Banks, Private Sector Banks, Foreign Banks (having offices in India), and Urban Co-operative Banks. 87 The main objectives of Indian Bank? Association are: promoting and developing sound and progressive Banking principles and practices in order to assist Banks to develop and implement new ideas and innovative Banking services, operations and procedures; organizing co-ordination and co-operation on procedural, legal, technical, administrative or professional problems and practices of Banks ; circulating statistical data, informati on, views and opinions on the Banking System; conducting Management Development Programs for Banks; promoting education and knowledge of the law and practices of Banking Industry; to help in projecting good public image of Banking Industry ; and to promote harmonious relationships by devising ways and means for involving Banking personnel? in the growth and development of Banking Industry. Indian Bank? s Association tries to achieve excellent service quality and customer care through its focused efforts to make each customers experience a pleasant one. Towards this end Indian Bank? s Association stressed on to build staff potential by each Bank to address customer challenges and asked Banks to design a performance management system, which focuses on rewarding the staff for delivering flawless customer service. In 2000, Indian Bank? s Association reviewed the charters of different Banks and brought out a „Model Citizen Charter? explaining to the customer? s what they could expe ct from the Bank? s as a matter of right. Apart from this Indian Bank? s Association brought „bankers fair practices? in 2004 which was adopted by all Banks voluntarily. It also came out with „fair practice code for credit card operation? and „model code for collection of dues and repossession of security? with special concern to customer? s voice about Banking practices 4. 88 Ministry of Finance Ministry of Finance in India governs the entire fiscal system of the Government of India. The three departments headed by the Ministry of Finance in India include: economic affairs, expenditure, and revenue. Thus, it mainly centralizes around the economic and financial issues pertaining in India. Ministry of Finance Government of India, Banking Division is managing Government policies related to the working of Banks and the term lending to financial institutions. This Division is headed by Secretary (Banking and Insurance) and operates through three subdivisions: Industrial Finance; Banking Operations; and Banking and Insurance. Each subdivision is headed by a Joint Secretary. The Banking Operations sub-division deals with legislative proposals described to Banks, non-banking financial companies, and other related matters like appointments of Chief Executives and Government nominee Directors and non-official directors on the boards of Public Sector Banks. In addition policy matters relating to Private Banks, Foreign Banks, and improvement of customer? service in Banks and redressal of customers grievances are also dealt with this Banking Operations sub-division of Ministry of Finance. This sub-division also deals with vigilance matters and appoints Chief Vigilance Officers (C VO? s) in the Public Sector Banks to enable the Public Sector Banks to meet the credit requirements for the productive sectors of the economy in proportion to the economic growth of the country. The Government is committed to infuse capital funds in Public Sector Banks as well 5. 89 Nature of Banking Industry Bank? s safeguard money and valuables and provide loans, credit, and payment services, such as checking accounts, money-orders, and cashier? s checks. Banks also offer investment and insurance products which they were once prohibited. There exists variety of models for cooperation and integration among finance industries some of these traditional distinctions between Banks, Insurance Companies, and Securities Firms has diminished. In spite of these changes, Banks continued to maintain and perform their primary role of accepting deposits and lending funds from these deposits. Banks securely save the money of depositors, provide checking services, and lend the funds raised from depositors to consumers. Bank? s today are in a wide range of sizes, from large Global Banks to Regional and Community Banks. These Global Banks are involved in international lending and foreign currency trading, in addition to the more typical Banking services. Working Environment Employee? in a typical branch work weekdays, whereas in few Banks sometimes Banks were opened until late evenings or were open on Saturday morning? s and in few even on Sundays. Supervisory and managerial employee? s, usually work substantially longer hours. Some B anks are expanding the working hours in their branches which are located at non- 90 traditional locations, such as shopping malls, which remain open on most evenings and weekends. Branch office jobs, particularly front-end positions, required continuous communication with customers. Some employees needed to work for longer hours in a confined space. Loan officers might need to travel to meet clients, or work evenings for their clients. Loan officers also check loan applications, and solicit new business for Banks. Financial Service Sales Representatives might also have to visit clients in the evenings and on weekends to go through the client? s financial needs. To improve customer service and provide greater access to Bank personnel? s, Banks have staffed Customer Service Representatives. The remaining Bank employees, working at the headquarters or other administrative offices usually worked in comfortable surroundings and worked for a standard workweek. In general, Banks are considered relatively safer place to work with respect to injuries and illness. Banks also encourage higher education and training for their employee? as Banks require creative and talented people to compete in the market place so as to reach to more number of customers. The basic premise here is to Study the relevant data and derive some information related to the Strategic Environment pertaining to Indian Banking Industry, which may be used in due course in a broader context if not in specific context. Environmental factors influencing Banking Industry are: 91 Economic Factors Indian economy has registered impressive growth of over 9 percent for successive three financial years and experienced restraint in 2008-09. This restraint was caused due to the downturn in the global economy. The year 2008-09 was the most deficient year after 1972. To fight against this slowdown Government of India and Reserve Bank of India took many fiscal as well as monetary actions. It was expected that Indian economy could again register a robust growth rate in the year 2009-10. As per the revised estimates released by the Central Statistical Organisation (CSO), Indian economy grew by 7. 6 percent in 2008-09 and 9. 3 percent growth in the 2007-08 6. Banks lending to industries, personal loans and service sectors witnessed a slow down while, Banks lending to agriculture and allied activities moved upward during 2008-09. The income as well as the expenditures of Scheduled Commercial Banks viewed a slow down leading to decrease in the net profit. The Return on Assets (ROA) as an indicator of efficiency with which Banks deployed their assets remained to 1 percent in 2009. The Return on Equity (ROE) as an indicator of efficiency with which the Banks used capital increased to 13. 2 percent in 2009 from 12. 5 percent in 2008, indicating increased efficiency with which Banks used capital 7. 92 Growth of income of Scheduled Commercial Banks during 2008-09 decelerated to 25. 7 percent from 34. 3 in 2007-08, but was higher than the growth rate of 24. 4 percent in 200607. Expenditure of Scheduled Commercial Banks was 24. 1 percent in 2006-07, which increased to 33. 9 percent in 2007-08 and again decelerated to 26 percent in 2008-09. The operating profit of Scheduled Commercial Banks increased sharply by 33. percent during 2008-09 from 26. 8 percent in 2007-08 and 21. 3 percent in 2006-07 (Table II. 1). The net profit of Scheduled Commercial Banks also showed a significant increase of 36. 9 percent during 2007-08 as compared to 26. 9 p ercent in 2006-07, but it decelerated to 23. 5 percent during 2008-09(Table II. 1) TABLE II. 1 VARIATION IN INCOME-EXPENDITURE OF SCHEDULED COMMERCIAL BANKS 2006-07 Income Expenses Operating Profit Net Profit 24. 4 24. 1 21. 3 26. 9 2007-08 34. 3 33. 9 26. 8 36. 9 2008-09 25. 7 26. 0 33. 2 23. 5 Source: Reports on Trend and Progress of Banking in India 8, 9 The Bank Group-wise analysis is presented in Table II. 2. Even though the achievements of technological changes in Banking Industry in India were impressive but there is a need to take greater advantages from new technologies and information based system to maximize the coverage. Pricewaterhouse Coopers report 18 suggested that Banks should take up automation that would be a combination of centralized networks, operations and a Core Banking applications that included Business Intelligence (BI), Business Process Re-engineering (BPR), and Customer Relationship Management (CRM) that catered to operational and analytical business needs. The multi-channel Banking has acquired further dimensions to include third party payments such as utility bills through different channels including Automated Teller Machines and mobile banking. Bank? internal groups examined the issues, relating to rural credit and micro-finance opportunities in the sector with several possible options like smart card-based kisan credit cards, smart card solutions for self-help groups, Automated Teller Machines with local language and voice facility and call-center amenities with added services given by various Banks. Introduction of Kisan Credit Cards (KCCs) for providing credit to farmers had increased in the number a multi-fold since its inception in the late 1990? s and the total percentage share of these cards reached above forty percent 19. 97 Banks had transformed themselves into Universal Banks by adding new channels with lucrative pricing. Recent innovations in the form of total quality management, reengineering work processes, flexible systems have only one thing in common serving the customers well through improved operational efficiency. Consolidation in the Banking Industry followed by technological up-gradation acted as a key factor to boost the international competitiveness of the Indian Bank? s. Adapting technology had brought down the cost of transactions visibly and at the same time aided in business continuity. A Study mentioned that the cost per transaction through a branch was Rs. 66, cost per transaction ; through Automated Teller Machines was Rs. 22, and cost per transaction through internet was Rs. 0, ignoring the extreme variations owing to the investment cost and nature of transactions 20. This low cost benefit was opted by Commercial Banks as it helped them to reach to poor people, particularly those working in the rural areas and those who earn and spend cash. In order to handle their cash transactio ns Banks formulated two types of Information and Communication Technologies (ICT). People could either use Automated Teller Machines that could accept, store or dispense cash or they could use a biometric device, which were mobile in nature. Infrastructure in India, has improved resulting into widespread use of Automated Teller Machines facility in villages as well. These machines consisted of additional features that included fingerprint use as a mean of authentication with a view that rural people were more comfortable with fingerprints than plastic cards. 98 The wide geographical coverage to access Banking related products and services with the help of mobile phone technology and the use of internet for banking transactions has gained superior usage. These modes of transactions required a safe and secure environment and provide a variety of options available for customers with different requirements. The numbers of mobile phone subscribers in India were about 261 million (March 2008). Towards this end, Reserve Bank of India issued guidelines for mobile banking transactions. Initially Banks offered the facility to their customers subject to a daily cap of Rs. 5,000 per customer for fund transfer and Rs. 10,000 per customer for transactions involving purchase of goods or services 21. Usage of internet banking in India is mainly dominated, by Private and Foreign Banks. Still, the number of individuals utilizing internet services has increased considerably. In 2006, about 12 percent of the 38. 5 million internet users in India used online banking and the figure for online banking increased to 16 million in 2007-08 22 . The average cost of servicing a customer through internet banking is the tenth of the services extended through a branch. Thus, there is a direct contribution to the profitability for a Bank and therefore, internet banking became a potential low cost alternative 23 . From customer? s viewpoint, internet banking is highly convenient as it help to avoid branch queues and makes customer free from depending on the inconsistent quality of services at the branch, which varied from person to person at the service desk. Internet Banking allowed customers to operate their accounts at their convenient hours instead of being dependent on the Banks working hours. Moreover, internet banking permitted customers to transact on a 24Ãâ€"7 basis from any part of the world. 99 Therefore, internet banking delivery channel has the potential to contribute directly towards the nation? prosperity as it allowed more people to join the Banking stream without adding cost and it is tremendously convenient to customers. Reserve Bank of India started measures to create multi-lingual links on its website for thirteen Indian language s on all matters concerning Banking in June 2007 24. In the recent years, the use of electronic payments has witnessed manifold increase reflecting increased adoption of technology. The electronic payment systems comprised of the large value payment systems like Real Time Gross Settlements (RTGS), National Electronic Funds Transfer (NEFT) and card based payment systems. The growth of volume of transactions directed through electronic payment has decelerated from 41. 4 percent in 2007-08 to 24. 8 percent in 2008-0925. The numbers and usage of Automated Teller Machines had gone up substantially during the last few years. Automated Teller Machines were primarily used for cash withdrawal and balance enquiry. In 2008-09, the total number of Automated Teller Machines installed by the Banks grew by 25. 4 percent. Automated Teller Machines of State Bank of India group registered a sharp growth of 34. 5 percent. While the Automated Teller Machines installed by new Private Sector Banks and Foreign Banks was 3 times of their respective branches 26, 27 . In March 2008, the population per automated teller machines in India was more than 29,500 as against the range of 1,000-9,500 in some of the other emerging market economies 28, 29 . In June 2009, Reserve Bank of India permitted Scheduled Commercial Banks to install off-site Automated Teller Machines at places identified by them, without any need to take permission from the Reserve Bank of India. Cash withdrawal from Automated Teller Machines of the Bank? s was made free of charges, April 2009 onwards. This made Automated Teller Machines more popular among customers. 100 Banks had deployed Information Technology solutions to facilitate automation in transaction management, reporting and risk management. Most of the Banks across the segments had already implemented Core Banking Systems. In the 2007, 85. 6 percent and in the 2008, 93. 7 percent Public Sector Banks were fully computerised 30, 31 . Other rograms such as internet based transactions, self-service kiosks, mobile banking were either underway or planned in near future by Public Sector Banks. Foreign Sector Banks and old and new Private Sector Banks in India, had progressed well in the areas of technology up-gradation i n operations. Technology up-gradation helped to introduce new products and services to enable Banks to improve the quality of service and value added services. Overall, Indian Banks score well with respect to technological adaption and the three key characteristic contributing towards the effective use of information technology in Banking Industry were: ? Factor Cost Advantage- information technology related labour costs in India remained cheaper as compared to other countries; ? Distribution Strategy- Indian Banks adopted a unique business model, acquiring customers rapidly with minimal technological investments; and ? Information Technology Governance- Indian Banks emphasized on information technology governance with the strong in-house Information Technology Division and a Chief Information Officer (CIO) directly reporting to the Chief Executive Officer (CEO) in most cases. 101 It is information that made the Banking Industry stable. The pressure of competition and the need to improve productivity has generated a need for better information. In order to manage Banking operations to meet the needs of managers operating at tactical and strategic level and to improve their quality of decisions and policymaking processes within the Banks. Banks needed to set up an efficient and comprehensive Management Information System (MIS) without which asset and liability management and risk management were not possible. However, adoption of technology by Banks provided them competitive advantage in their operations but at the same time Banks became dependent on outsourcing for most of their technological applications. Therefore, Banks needed to employ caution to put in place mechanisms for vendor management. As an insecure system, could expose Banks towards serious operational regulatory and reputational risks. Banks have taken measures to safeguard the risk factors, emerging due to the use of technology. Towards this end, the Institute for Development and Research in Banking Technology (IDRBT) helped Banks to bring in technology and enabled them to work in secured environment while operating Real Time Gross Settlements System, Centralised Fund Management System (CFMS), corporate e-mail, and internet banking. It also acted as a „certifying authority? for the Banking Sector in India by issuing Digital Certificates 32 . Still there exists need to ensure much more accountable systems with regard to online payments with uniform standards all over the world. 102 Social Factors Before nationalization of the Banks, their control was in the hands of the private parties and only big business houses and the effluent sections of the society gained benefits from the Banking in India. Thus, adoption of the social development model in the Banking Sector was necessary for speedy economic progress consistent with social justice in democratic political system. Bankers were directed to help economically weaker sections of the society and to provide needed finance to all the sectors of the economy with flexible and liberal attitude. India? s demography had undergone transition and the demographic trends 1950 – 2050 studied, illustrates that India? s fertility rate is consistently falling from the peak 5. 91 percent in the first decade after independence to 2. 76 percent today and expected to fall further to 1. 85 percent. Even the death rate also likewise showing consistent decline from its peak 25. 5 in 1950-55 to 8. 5 today and to the lowest of 7. 9 in 2020-2025 33 . This ignifies towards steady number of customers for Banking Sector with longer income in the coming years. Indeed, India would be one of the youngest nations with its median age lying between 25 a nd 30 years over the next 15 years (2010 to 2025) 34. This signified that India would enjoy its prevalence of young age population for almost four decades. Thus, India? s demographic transition needed to be exploited by Banking Sectors viewing it as an opportunity. 103 Increase in the per capita income of the working class population of India, enabled individuals to purchase goods, which were far out of their reach earlier. It also encouraged people to buy goods for their personal use and for their family. Today societies have shifted towards nuclear family, resulting into the growing needs for home consumer durables like washing machine, television, bike, car etc. This showed how we as a society have moved from a socialist society to a consumerist society. Understanding these changes and to use them as an opportunity Banks provided various types of loans to farmers, working women, professionals, education loan to the students, housing loans, and consumer loans. Even customers life style, their behaviour, and consumption patterns have changed which acted as an opportunity as well as a threat for Banking Industry. Deposits showed a subdued growth during this decade. In 2008- 09 personal loans by Commercial Banks was 12. percent with respect to 10. 8 in 2007-08 of which housing loan was 11. 6 percent in 2007-08 and 7. 4 percent in 2008-09 35 . This deceleration was observed in housing loans especially due to economy slow down. Literacy rate in India is low as compared to other developed countries. Illiterate people hesitate to transact with Banks. Therefore, this influenced negatively on Banking Industry. Nevertheless, there exists positive side of this as well that illiterate people trust more on Banks to deposit their money as they do not have market information they do not put money in stocks or mutual funds so they look Bank as their sole and safe alternative. For a common man Banks have emerged as the key players to provide variety of products and services like saving accounts, insurance, remittance and other facilities to the under privileged and the poor in rural, semi-urban and urban areas or socially disadvantage as well as the small and medium enterprise sector . 104 On the other hand Banks deal with big clients or big companies which required personalized banking as these customers do not believe in running and waiting in queues for getting their work done . To these customers bankers provided special provisions and at times benefits like individualised hosting to these types of customers. It was brought to the notice of the Reserve Bank of India that visually challenged persons were facing problem in availing Banking facilities. Reserve Bank of India in June 2008 advised all Banks to ensure that all facilities such as cheque book including third party cheques, Automated Teller Machine facilities (at least one third of new Automated Teller Machine installed with Braille key pads and located strategically), net banking, locker, and credit cards to be provided to visually challenged persons without any discrimination 36. Banks related crimes are rising. These crimes included the typical ones such as Bank robbery, false statement to a Bank in order to obtain loan, false entry in a Banks book, Bank bribery, and Bank fraud. The other new types of crimes have also emerged like accessing to the whole or any part of information technology system without rights. These also included manipulation of Banking system, data alteration, or data destruction to make unauthorized identity theft with reference to Automate Teller Machines. Indian police has initiated by opening of special cyber cells across the country and started educating the personal against these crimes. 105 Political Factors Before 1990, the lack of accountability and lack of profit motive in Nationalized Banks was credited to political interference. After the economic reforms of 1991, the Indian Banking Industry entered into the new horizon of competiveness, efficiency, and productivity. Reserve Bank of India? s control system and its monetary policies acted as a major weapon in India? financial market. However, sometimes looking into the political advantage of a particular party, Government declares some measures for their benefits like short-term agricultural loans to attract farmer? s votes affecting the profits of the Banks. Even according to Banking Banana Skins, survey 2010 political interference was considered as the greatest risk for Banking Industry 37. In the Budget provisions, Finance Minister increased the farm credit target for 2009-10 at Rs. 3, 25,000 crore compared to Rs. 2, 87,000 crore in 2008-09. The Union Budget 200910 extended the debt waiver scheme by six more months for farmers owing more than 2 hectare of land. The Union Budget 2008-09 allowed farmers 25 percent rebate on 75 percent of their overdue repayment within the stipulated period 38 . Government also announced setting up of a task force to examine the issues of debt taken by a large number of farmers in some regions of Maharashtra from private moneylenders who were not covered under the loan waiver scheme 39 . With Government bearing this burden, Banks would not be affected much. As Government assured to help, Banks to clear their most stubborn non-performing assets accounts on Banks Book. In addition, the emphasis on expanding network with Automated Teller Machines, opening of Banking centre in unbanked blocks were some of the positive moves taken by Government. 106 Political interference by the leftist political parties claimed that various regulations with respect to Foreign Banks would benefit only those Banks, which intend to make a quick jump by providing high-profile corporate services, instead of those who wish to intensify their rural operations. Left political parties also cautioned that foreign players could increase their holding size in a particular Bank that would lead to an imbalance of power. Banks under the conventional system of recovery of loans had a considerable amount of money blocked in form of unproductive assets. Hence, to beat this difficulty parliament enacted Recovery of Debts to Banks and Financial Institutions Act, 1993 also refereed as Debt Recovery Act. This Act created a separate apparatus in the order of Debt Recovery Tribunals, which were handed over the responsibility of administering disputes pertaining to non-payment of debts. As this legislation was general in nature, another legislature by Parliament was enacted , referred as Securitization Act with an objective to give the Banks, more power over defaulting borrowers 40,41. Unions The post nationalization era in the Banking Industry in India, particularly in the Public Sector, witnessed consolidation of trade unions. All the nine unions had all-India presence in the Banking Industry. Five workers unions and four officers unions represented almost 100 percent of the workforce in the industry and joined hands to form a United Forum of Bank Unions (UFBU). United Forum of Bank Unions comprised of All India Bank Employees Association, (AIBEA), All India Bank Officers Confederation (AIBOC), 107 National Confederation of Bank Employees (NCBE), All India Bank Officers Association (AIBOA), Bank Employees Federation of India (BEFI), Indian National Bank Employees Congress (INBEC), Indian National Bank Officers Congress (INBOC), National Organization of Bank Workers (NOBW) and National Organization of Bank Officers (NOBO) 42. Representatives of unions were encouraged to give suggestions. However, in many cases undue interference of unions in decision-making has adversely affected, leading to the deterioration in discipline, efficiency, and performance effectiveness. With the growing strength of these organizations, the issues relating to employees interests were no longer determined by Bank? s managements alone. The massive introduction of technology into the industry made union policies defensive. Unions focused almost entirely on the immediate consequences of technological change on the workforce, especially the aspect of possible job losses. Employees in Public Sector Banks were repulsive to move from one table to another of the same branch. Now the trade unions seem to be willing to allow mobility for employees within a district as mergers enforced them to move from one state to another. Other issues taken up by unions were like introduction of New Pension scheme and variable pay which were resolved with the help United Forum of Bank Unions. Banks unions are also involved in demanding salary hikes, job losses, disinvestments in Public Sector, and issues related to violation of labour laws, and allocation of funds for schemes for unorganised workers. 108 After attempting, the macro level environmental analysis of Indian Banking Industry a micro functional level Human Resource Environmental Analysis has been attempted with the help of SWOT analysis (Strengths, Weaknesses, Opportunities, and Threats), it would help to further develop strategic viewpoint about the industry (Table II. 4). TABLE II. 4 HR SWOT ANALYSIS WITH RESPECT TO INDIAN BANKING INDUSTRY STRENGTHS ? ? ? ? ? ? ? Educated Manpower Higher Compliance Amongst Employees Experienced Employees Training Infrastructure Availability Safe Working Environment Responsiveness to Needful Change Strong Regulatory Institutional Framework ? ? ? ? ? OPPORTUNITIES Liberalization of Banking Sector Preferred Industry for Employment Availability of Multi-specialist staff Technology for Improved Interpersonal and Communication Skills Workforce Diversity WEAKNESSES ? ? ? ? ? ? ? ? Limited Technology Skills Repetitive Tasks Structure Inadequate Remuneration for Attracting Talent Lacking Career Growth Path Rigid Recruitment Policies Hierarchal Structure Rigid Wage Negotiation Process Leadership Deficit at Senior Level ? ? ? ? ? ? ? THREATS Movement of Skilled and Quality Staff Difficulty in Hiring Highly Qualified Youngsters Trend Towards Downsizing Changing Workforce Demographics High Staff Cost Overheads Changing Employees Expectations Entrenched Trade Unionism 109 Key Concerns for Indian Banking Industry The macro level analysis of Banking Industry and micro level analysis with respect to Human Resource functions helped to identify the key concerns related to the Banking Industry. Competition in Banking Industry is very high as Banks are fighting for same share of customers. There are many Banks and non-financial institutions which gave rise to intensified competition. Amongst these, there existed relatively no differentiation in services and every Bank tried to copy each other? s services and technology which increased the level of competition. Competition from the non-Banking financial sector is increasing rapidly as there are substitutes like mutual funds, stocks (shares), government securities, debentures, gold, and real estate acting as a high threat of substitutes. The continuous deregulation has made the Banking Market extremely competitive with greater autonomy, operational flexibility, decontrolled interest rate, and liberalized norms for foreign exchange. The deregulation of the industry coupled with decontrol in interest rates had led to the entry of a number of players in the Banking Industry 43. Alliances and takeovers had occurred on a transatlantic basis. The market share for financial services that Banks hold had declined, while securities firms, mutual funds, and finance companies has grown 44 . Banking Sector needs to build up a strong and efficient financial system by emphasizing on risk based management. 110 In Banking Sector, customers have high bargaining power due to the presence of very large number of alternatives. Banks together with the specialized financial companies that provide finance to customers are available. Recently it was observed that depositors had withdrawn funds from Private and Foreign Banks and invested their money with Public Sector Banks as the cost of switching from one Bank to another was low and almost all Banks provided undifferentiated services. Today customer? s have more information and better understanding about the market, Banks have to be more competitive and customer friendly to serve them. To retain customer? s and market share, Banks started contemplating on building strong relationship with customers. United Bank of India created a revolution in Banking Industry by opening up a boutique branch in Pune in November 2007, as its priority was to provide services to the high net worth customers. Thus, United Bank also recognized the needs of high net worth individuals different from the other customers. United Bank organized corporate golf tournament for customers, music concerts, and screening of Mani Ratnam directed film „Guru? 45 . Bank? s top management has started carefully evaluating the impacts for their actions. Recently, before cutting jobs in Private and Foreign Banks, Human Resource managers tried to assess reactions beforehand and they came out with certain proactive steps. Banks persistently worked in the interest of the Society. 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