Comparison of Saudi Aramco and Shell Essay Example | Topics and Well Written Essays - 5000 words

Lord of the Flies Persuasive Essay Free Essays

Master of the Flies Persuasive Essay Choose one of the prompts underneath to compose a convincing exposition with respect to Golding’s goals recorded as a hard copy Lord of the Flies. 1. Make a strong contention for who is the better head, Jack or Ralph. We will compose a custom exposition test on Ruler of the Flies Persuasive Essay or then again any comparable theme just for you Request Now 2. Concur with or contend against the possibility that Golding’s expectations recorded as a hard copy Lord of the Flies was to show that all people have an unmistakable character defect that when left unchecked by the ethics and laws of society will in the long run degenerate the person. 3. Contend that man is brought into the world insidiousness and necessities society to hold him under control, or contend that man is brought into the world blameless and is debased by society. You should make a three-advance framework to go with your paper! Keep in mind, your framework is the guide for your paper. The more intensive the layout, the simpler the paper will be to compose! You are NOT REQUIRED to have references in this paper. Notwithstanding, so as to demonstrate your postulation, you will require explicit models from the novel. That being stated, an inability to refer to cited or summarized material will be viewed as written falsification, and reflect genuine evaluation derivations. Focuses TO PONDER Your starting section ought to include: Book title and writer several lines BRIEFLY summing up the book and featuring your subject A THESIS STATEMENT WHERE YOU CLEARLY STATE YOUR ARGUMENT WITHOUT USING THE WORD â€Å"I†!!!!!!!!!! You ought to have a â€Å"objection† passage where you address and invalidate the rival side of your contention promptly following your starting section. You ought to have three body sections (other than the resistance passage) committed to guarding your own contention. You ought to have an end where you rehash your contention, make your last focuses, and summarize by emphasizing your postulation. Your paper will undoubtedly be somewhere close to 3-4 pages in length. You should have your proposal proclamation affirmed by me before you may start composing your paper!!! This is for your advantage! Try not to skirt this progression! You will get an evaluation! DUE THURSDAY, SEPTEMBER 30!!!!!! You should post to turnitin. com!!!! Postulation: I. Presentation II. A. 1. 2. B. 1. 2. III. A. 1. 2. B. 1. 2. IV. A. 1. 2. B. 1. 2. V. A. 1. 2. B. 1. 2. VI. End Step by step instructions to refer to Lord of the Flies Persuasive Essay, Essays

Analytical Essay Outline

Analytical Essay OutlineYour analytical essay outline is your first step in writing an essay. It should be a great starting point for the rest of the writing process. Once you have completed your outline, the rest is up to you.Outlines are essential as the template for the entire essay. This is so important that there is no excuse for not outlining your essay correctly. It is the structure of the essay that will determine the success of the essay. If you do not outline, the writing process will just fall flat and you will end up with a lot of copy that will not be read.You will find that an outline allows you to write in a logical order without making up random paragraphs. When you write from the outline, you know exactly what you are going to say. An outline allows you to write in a logical manner that is clearly defined and makes it easy to understand.The outline also gives you the words that you need to get your points across and those parts of the essay that will hold your reader 's attention. All the words that you need will be provided and you can take some time to figure out what words to use to further emphasize your points.If you already have an outline, you can ask other students to critique it. This will allow you to see where you are going wrong and will help you correct your mistakes. Some students will be able to point out the obvious problems and others will be able to suggest additional solutions.By making your own outline, you will be less dependent on others to write the essay for you. If you are the one who wants to write the essay, it will be easier to research, write and to organize. Having someone else write the essay for you will make the task much more complicated and you will have to deal with a lot of different issues. You can also write the essay from the outline. This will be your first draft and it will not be as good as the final version. However, it will give you something to work with to begin with. This will give you a start and if you are really stuck, you can go back and start from scratch.The analytical essay outline is a guide for the overall structure of the essay. It will also give you a good idea of what words to use and the order in which to use them. You can use the outline to help you along the way or you can make changes to it as you progress.

International Business And Management Of A Multinational...

Introduction As the threshold of conducting business in foreign country becomes lower, it has been appealing to turn a local company into a multinational corporation. By leveraging and gathering resources from global platform, company will make leaping progress not only on profit, but also on brand building. However, the moment a company begins to consider paving its way into foreign markets and goes globally, it needs to take into consideration various kinds of transaction expenditure that rose in trading. Therefore, it has been critical for company executives to understand and utilize the Transaction Cost Theory (TCT) in order to find the most suitable method for company to supervise and minimize the transaction costs. Through analysis into TCT, one can have a deep comprehension on the extension of how multinational companies depend on each other, and how to choose between centralized inner supervision (within company) and outer surveillance (market) so as to diminish transaction costs. This paper analyzes the reasons that lead to transaction costs, what is the meaning and how to apply TCT in international business and management endeavor. Even though TCT is a renowned theory, it still needs revision and enhancement. However, scholars put widely different perspectives on to TCT theory scattering into diverse subjects, making the theory unable to receive progress as a whole. Article Review It is known to all that managing business globally will give rise to variousShow MoreRelatedThe General Impact of Management in International Business1075 Words   |  5 PagesNowadays the international trade has a considerable extension; the exchange of goods, services, and natural resources is making in all over the world. Transportation and communication become quicker with the precious aid of the new technology. Often, several companies move from their native country to another one. The world is seen now as a global market where a diversity of societies is appealed to deal together. So, the management must from now on be considered in larger sense as several countriesRead MoreImpact Of Globalization On Business Management Essay1459 Words   |  6 PagesBUS 1101: PRINCIPLES OF BUSINESS MANAGEMENT The Impact of Management in Globalization of Business. Globalization is the process in which a business or organization start operating on an international scale. The effects of Globalization have created an immediate change in Business Management. As stated by the website www.ukessays.co.uk â€Å"Globalization on Business Management is interconnection of international markets managing business in a global industry. This includes foreign investments whereRead MoreThe Success Factors Of Multinational Corporations1272 Words   |  6 PagesOne of the most essential success factor in multinational corporations is related with the organization’s group of extremely competent international leaders and managers who have the global knowledge of consumer demands for services as well as products in a world scale, the knowledge of production and service capabilities, and also who can influence others in spite of diverse cultural or political backgrounds that make them think, analyze, decide, act and communicate in a different way than the leaderRead MoreBenefits Of Total Quality Management1277 Words   |  6 Pagescontinuity in this dynamic business environment. One major feature that can provide such organizations with this desired continuity and competitive advantage is the quality of their goods and this can be monitored and improved by the practice of total quality management. Since the 1980’s, total quality management has been conceptualized on basic principles such as customer focus, continuous improvement and human resource management. The use of total quality management has become widespread amongRead MoreMultinational Corporations; There Definition and Evolution1034 Words   |  5 PagesA Multinational Corporation has been described as one that has production facilities or other fixed assets in at least one foreign country and makes its major management decisions in a global context. In marketing, production, research and development, and labor relations, its d ecisions must be made in terms of host-country customs and traditions. In finance, many of its problems have no domestic counterpart-the payment of dividends in another currency, for example, or the need to shelter workingRead MoreThe Global Integration of Business Functions1134 Words   |  5 Pagesand do business internationally. As a result, demand for expanding economy to countries urges the foundation of globalization. Integrating into the global economy offers multinational companies not only opportunities to disperse their industries for goods and services worldwide, but also challenges to compete with others and sustain in flexible environment. On the other hand, globalization has caused much pressures for multinational business. Two major concerns of many international business corporationsRead MoreInternational Hrm Staffing Policies1357 Words   |  6 PagesINTERNATIONAL BUSINESS Distinguish between Ethnocentric and Polycentric Human Resource Management policies used by Multinational Corporations, clearly outlining the advantages and disadvantages of each. ETHNOCENTRIC POLICY The ethnocentric staffing policy refers to the strategy of a multinational company to employ managers for key positions from the parent headquarters instead of employing local staff. In the ethnocentric approach, the cultural values and business practices of the homeRead MoreStarbucks Corporation1716 Words   |  7 PagesStarbucks Corporation By Oybek Salimov Outline Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦3 1. Background of the company†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..4 2. Starbucks’s expansion.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..4 3. Risks associated with expansion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦6 4. Capital structure of the company†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦7 Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 9 Reference †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10 Appendix †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 11 Introduction GlobalizationRead MoreInternational Vs Domestic Strategies : International Marketing Model1326 Words   |  6 PagesInternational vs Domestic Strategies Strategies are the models of guiding companies from the existing position to where it owners would like it to be. Strategies are varying based on the business model. Business growth strategies, human resource development strategies, marketing tactics and internal goal-setting are the major focused areas in a business. Based on the business model, there are domestic and international strategies are implemented. International strategies are set up considering largeRead MoreInternation Recruitment and Selection1678 Words   |  7 PagesInternational Recruitment, Selection, and Training Strategies The world has been rapidly transforming due to the changes in technology, innovations, and the reduction of trade barriers into and out of countries which have permitted globalization. Due to globalization human resource management has been forced to take a more international approach, and has demonstrated that a more effective management of human resources internationally is imperative for the success of companies in international business

Special Interest - 1515 Words

Define an interest group with examples. Interest group – usually a voluntary organization where members share a common interest in which they seek to influence public policy, without seeking political control. They have primary activities such as lobbying the members of the legislative bodies through contributions to political parties, trying to elect sympathetic or pliable politicians, and by conducting covert or open propaganda campaigns. (Interest Groups, n.d.) There are a few different types of interest groups and they are as follows: Economic Interest Groups This is the largest category that includes organizations that represent big businesses, such as the U.S. Chamber of Commerce and the National Association of Manufacturers†¦show more content†¦(1) They seek to win elections or electoral positions; (2) they reorganize around those periodic elections and then may become less active, and (3) they depend on the local mobilization of voters who support political candidates but not necessarily the party organization. Interest groups are more issue oriented, are continuously maintained, and are dependent on supporters who identify with their organization. (Browne, n.d.) One thing that differentiates political parties from interest groups arises from the nature of the political system in which they operate and from the various electoral rules and structures that exist in different countries. In corporatist societies, interest groups may be invited to participate in government decisions to the exclusion of competitor interests. In parliamentary system, a party may have a narrow base and may try to win only a small number of legislative seats. (Browne, n.d.) Explain how interest groups try to influence the president and Congress as these two branches work together to make policy. Trying to persuade government officials through direct inside contact is called the inside game. Lobbying is another term for inside game. Lobbyists normally work for a specific interest group, corporation, or law firm that specializes in professional lobbying. (Interest Groups, 2012) Lobbying originates from the way interest groups played the inside games in the nineteenthShow MoreRelatedSpecial Interest Tourism : Special Tourism2517 Words   |  11 PagesSPECIAL INTEREST TOURISM Special interest tourism is characterized as going with the essential inspiration of practicising or appreciating an special interest. This can incorporate bizarre hobbies, exercises, themes which have a tendency to pull in niche markets. The term special interest tourism has generally been utilized for those types of tourism which concentrate on activities which draw attention of little number of very committed guests. These may be moderately irregular hobbies or exercisesRead MoreSpecial Interest Tourism4520 Words   |  19 Pagesreport  includes  detailed  study  on  tea  tourism  in  Darjeeling,  different  types  of   tea,  advantages  and  disadvantages  of  tea  tourism.   Special  Interest  Tourism   Tourists  looking  for  products  that  will  fulfil  their  particular  need  are  the  special   interest  tourists  referred  to  as  ``niche  market.’’.  Brotherton  and   Himmetoglu   (1997)  suggest  that  people  who  decide  to  take  such  holidays  are  people,  who   already  have  an  interest  in  a  specific  activity  as  a``  dabbler,  an  enthusiast,  an   expert  or  a  fanatic.’’  Though  the  market  is  smallRead MoreSpecial Purpose Entities or Variable Interest Entities: Lack of Equity Investors1531 Words   |  7 PagesVariable Interest Entities One topic that has generated much discussion and even some â€Å"bad blood† in the accounting profession and business community as a whole is variable interest entities, formerly known as â€Å"special purpose entities.† One common definition of a variable interest entity is a legal business structure which does not have enough capital to support itself due to its lack of equity investors. The financial support for the variable interest entity is provided by an outside sourceRead MoreSpecial Interest Terrorism And Terrorism936 Words   |  4 Pagesâ€Å"Special interest terrorism differs from traditional right-wing and left-wing terrorism in that extremist special interest groups seek to resolve specific issues, rather than effect widespread political change. Special interest extremists continue to conduct acts of politically motivated violence to force segments of society, including the general public, to change attitudes about issues considered important to their causes. These groups occupy the extreme fringes of animal rights, pro-life, environmentalRead MoreThe Effects Of Special Interest On Hispanic Students860 Words   |  4 PagesThese types of services might be of special interest to the LEALES members considering, that Latino students because of their racial and socio-economic background tend to come largely from under-resourced, understaffed, underperforming, and inadequately funded schools. (Saenz Ponjuan, 2009) This often means that the teachers at the schools were underprepared and had a high turnover rate. This might be one of the reasons that 41% of Latino students require remediation courses and only 13% of HispanicsRead MoreThe Forces Behind Special Interest Groups1929 Words   |  8 Pagesdemocratic processes. Most of these reasons can be indentified through the phenomenon of special interest groups and the impact on law, society and economy that these forces exert. The purpose of this essay is to describe and explain the forces behind special interest groups and how these units seek to influence the making of public policy. In order to accomplish this task, this essay will first define what a special interest group is and the history behind this political tactic. The essay will continueRead MoreMy Initial Interest Of Special Education1145 Words   |  5 Pages My initial interest in special education seamlessly developed from a strong desire to serve my community, evolving through my work as a Behavior Interventionist. I recall my first session with a six-year-old boy diagnosed with classical autism. Developmentally, there was an impairment in social interaction, and profound lack of spoken language attempting communicate through gestures. As my first student, he definitely brought new challenges, but the momentum he was gaining through our services wasRead MoreSpecial Interest Groups in the United States629 Words   |  2 Pagespower of spec ial interest groups in the United States. Political structures, embedded in Constitutional Law, aid the development and support of interest groups. Mot notably, the First Amendment guarantees American citizens the right to organize and to participate in political organizations. Socially, the United States is extremely heterogeneous and diverse. With only two viable political parties, it would be impossible to represent the interests of all groups and especially minority interest groupsRead MoreAid For Illegal Immigrants : Special Interests Or The Best Interests Of Society?2680 Words   |  11 PagesFinancial Aid for Illegal Immigrants: Special Interests or the Best Interests of Society? The mention of immigration in large groups can immediately engender heated debate as people, informed by their personal experience, pose simplistic solutions to the problem or mourn their absence in this highly complicated situation. To some degree, immigration creates two camps: those who believe immigrants should be embraced and those who perceive immigrants legal or otherwise, as a threat to society.Read MoreSpecial Interests Groups and Political Participation Paper1102 Words   |  5 PagesReview of Special Interest Groups and Political Participation There are many Special Interest Groups involved in the influence of public policy. The view about the influence these Special Interest Groups create is that their attempts are biased to their special interest and the interests of their clients. Unfortunately, the influence of the most well funded interest groups overshadows even the most well intentioned under funded interest groups. This paper will focus on one special interest

Hate Crime Policy Differentiation And Correlation Essay Example For Students

Hate Crime Policy Differentiation And Correlation Essay To Political Culture Many political scientists and researchers to a number of policy arenas in the United States ranging from corporal punishment to the quality of urban life have applied Daniel Elazars concept of political cultures. For a vast majority of these policy programs, a considerable correlation has been found to exist between the region examined and its approach to a specific policy. Elazar focused on three primary political cultures: the Moralist political culture (MPC), the Individual political culture (IPC), and the Traditional political culture (TPC). These cultures have served as a basis for explaining the difference that exist in the political, social, and personal facets of each respective region. These ideas have been consistent throughout the course of this nations history, existing even in present times. I have chosen to focus on a policy program that has demanded a great deal of attention in more recent times, namely in the past few years: hate crime policy. With more widespread media coverage, hate crimes have become more prevalent and more publicized than ever before. The Benjamin Smith shootings and the murder of Matthew Shepard are only two examples of recent crimes, which have been considered hate crimes that have promoted politicians and legislators to address this ever-growing problem and formulate a solution. This paper will attempt to define and uncover the history behind hate crime and the existing legislation. Furthermore, I will explain my own hypothesis then examine regional difference in the approaches to hate crimes and compare and contrast them to Daniel Elazars idea of political cultures. My own hypothesis is that moralist cultures will have been the first to initiate hate crime policy and be most likely to have such policies followed by individualist, then traditi onalist political cultures. Hate Crime: Definition and History Every since the body of James Byrd was found in pieces on a road in east Texas, the authorities have been struggling to bring charges to reflect the horror of the crime. Murder seems too pat: Mr. Byrd was chained to a truck and dragged for almost three miles. In Texas, simple murder does not carry the death penalty. But Mr. Byrd was black, apparently murdered by racists, so there is a call for this killing to be labeled a hate crime, for which the punishment is death by lethal injection (5). Every day in the United States someone is attacked on the basis of his or her race, religious affiliation, ethnicity, gender, or sexual orientation among other things. These attacks often take the form of verbal harassment but some end in violent assault or death. Recent studies indicate a rise in the number of bias or hate crimes since 1985 (4). Congress has defined hate crimes as a crime in which the defendant intentionally selects a victim, or in the case of property crime, the property that is the object of the crime, because of the actual or perceived race, color, national origin, ethnicity, gender, disability, or sexual orientation of any person (1). Valerie Jenness and Ryken Grattet claim that hate crime have become a highly visible social problem that continues to garner national attention and elicit community activism (2). When, however, did the concept of hate crimes evolve? It was not until the late 1970s that lawmakers in the United States began responding to a perceived escalation of racial, ethnic, religious, and other forms of intergroup conflict with a novel legal strategy: the criminalization of hate-motivated intimidation and violence. As a result of this strategy, most state legislatures passed at least one piece of hate crime legislation in the late 1980s and into the 1990s. Such legislation was justified by the harassment and intimidation, assault, and destruction of property that was found to be particularly dangerous and socially disruptive when motivated by bigotry (3). Art essay fine artThe first hate crime law was passed in California in 1978, and since then hate crimes statues have taken many forms, including statues prescribing criminal penalties for civil rights violations, specific ethnic intimidation and malicious harassment statues, and provisions for enhanced penalties. These laws specify provision for race, religion, color, ethnicity, ancestry, national origin, sexual orientation, gender, age, disability, creed, marital status, political affiliation, involvement in civil or .

The Dissolving of Solid Sodium Hydroxide in Water Procedure free essay sample

Measure out approximately 205 mL of distilled water and pour it into the calorimeter. Stir carefully with a thermometer until a constant temperature is reached. Record the volume of water and the constant initial temperature of the water on your data table. 2. Place a plastic measuring trough on top of the digital balance, and then zero the balance (press the tare button) so that the mass of the trough will be ignored and will not be added to the total mass measured by the balance. Measure out approximately three to five scoops of solid sodium hydroxide and record the mass to your data table. 4. Place the solid sodium hydroxide into the water in the calorimeter and replace the lid immediately. Stir gently until the solid is completely dissolved and record the highest temperature reached. Data and Observations Distilled Water Volume 205. 2 mL Constant Initial Temperature 24. 2Â °C NaOH Mass 2. 535g Final Temperature 27. 8Â °C Calculations 1. We will write a custom essay sample on The Dissolving of Solid Sodium Hydroxide in Water Procedure or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Write out a balanced equation for the process you investigated in Part I, including phase symbols. NaOH(s) + H2O(l) -gt; Na+(aq) + OH-(aq) 2. Calculate the number of moles of sodium hydroxide dissolved. Show your work. 3. Calculate the amount of energy involved in this dissolving process. Show your work. qsurroundings = -qsystem qsystem = -3. 126kJ 4. Determine the enthalpy change, per mole of sodium hydroxide dissolved. Show your work. Part II: The Reaction of Sodium Hydroxide Solution with Hydrochloric Acid Procedure 1. Measure out approximately 100 mL of 0. 50 M hydrochloric acid solution and 100 mL of 0. 50 M sodium hydroxide solution. Record both volumes on your data table. 2. Pour the hydrochloric acid solution into the calorimeter. Measure and record the initial temperature of each solution and record on your data table. 3. Add the sodium hydroxide solution to the acid solution in the calorimeter and immediately replace the lid of the calorimeter. Stir the mixture and record the highest temperature reached. Data and Observations HCl Solution 100. 9mL NaOH Solution 100. 9mL Initial HCl Temperature 25. 2Â °C Mixed Solution Temperature 28. 2Â °C Calculations 1. Write out a balanced equation for the reaction you investigated in Part II, including phase symbols. NaOH(aq) + HCl(aq) -gt;Â   NaCl(aq) + H2O(l) 2. Determine the enthalpy change of this reaction. Show your work. 4. Using the accepted values of the processes youve examined, would your estimation of the enthalpy change for the reaction of solid sodium hydroxide in aqueous hydrochloric acid change from the prediction you made in question one? Yes, because somehow my data is way off with a 98. 2% error. The enthalpy change should be almost twice my initial prediction. 5. Give a detailed explanation, using what you know about bonds and forces of attraction, for the enthalpy changes you observed in parts I and II of this lab. NaOH is an ionic bond and is stronger than a covalent bond, so naturally it would require a higher amount of energy to break apart. 6. If the hole for the thermometer in a calorimeter is wider than the diameter of the thermometer, leaving a gap between the lid and the thermometer itself, how do you think this would this affect the temperature change observed in the experiment? How would this affect the calculated enthalpy change? Heat would escape through the gap and you would observe lower temperatures than what would actually occur and result in lower enthalpy change.

Free Essays on Proctor & Gamble Case Study

Background Proctor & Gamble (P&G) is one of the world’s largest manufacturers of a wide array of products, including many household grocery items – antiperspirants, baby care, household cleaners, skin care, fabric care, food & beverages, laundry, etc. At the end of 2001, P&G had net sales of over $39.2 billion1. P&G is known as a dominant, aggressive developer and marketer of high-quality consumer goods. Their stock prices have returned almost 500% return in the last decade alone.2 They have been in business for over 150 years. Early on, the P&G growth strategy was isolated in three main areas – acquisitions, developing new product brands (as well as further developing existing brands), and globalization. Because of a law-suit in 1957 regarding acquisitions, P&G was forced to focus on new branding and international expansion over the next twenty years3. Focusing on the international aspect of business, P&G aggressively expanded their domestic household products by merely duplicating the U.S. products and marketing them into global markets. From 1953 to 1985, P&G went from an International portfolio of zero to $4 billion. Ed Artzt, the president of P&G International, refined their products by actually tailoring them to each individual global market. This refinement of marketing enabled P&G to jump to $15 billion in International sales by 1993. Ed Artzt became the CEO of P&G in 19904. Regarding the development of existing and new brands, P Food/Beverage; Paper; Soap; and Special Products (i.e. chemicals). Within each sector were product categories. Each category was then in charge of a group of brands. Interestingly, in the 1980’s P&G, as well as other manufacturers, grew to accept the ‘forward buying’ of promoted merchandise. By the mid 1980’s, the industry stocked a 3 month supply of many brands5. This was obviously a tremendous disadvantag... Free Essays on Proctor & Gamble Case Study Free Essays on Proctor & Gamble Case Study Background Proctor & Gamble (P&G) is one of the world’s largest manufacturers of a wide array of products, including many household grocery items – antiperspirants, baby care, household cleaners, skin care, fabric care, food & beverages, laundry, etc. At the end of 2001, P&G had net sales of over $39.2 billion1. P&G is known as a dominant, aggressive developer and marketer of high-quality consumer goods. Their stock prices have returned almost 500% return in the last decade alone.2 They have been in business for over 150 years. Early on, the P&G growth strategy was isolated in three main areas – acquisitions, developing new product brands (as well as further developing existing brands), and globalization. Because of a law-suit in 1957 regarding acquisitions, P&G was forced to focus on new branding and international expansion over the next twenty years3. Focusing on the international aspect of business, P&G aggressively expanded their domestic household products by merely duplicating the U.S. products and marketing them into global markets. From 1953 to 1985, P&G went from an International portfolio of zero to $4 billion. Ed Artzt, the president of P&G International, refined their products by actually tailoring them to each individual global market. This refinement of marketing enabled P&G to jump to $15 billion in International sales by 1993. Ed Artzt became the CEO of P&G in 19904. Regarding the development of existing and new brands, P Food/Beverage; Paper; Soap; and Special Products (i.e. chemicals). Within each sector were product categories. Each category was then in charge of a group of brands. Interestingly, in the 1980’s P&G, as well as other manufacturers, grew to accept the ‘forward buying’ of promoted merchandise. By the mid 1980’s, the industry stocked a 3 month supply of many brands5. This was obviously a tremendous disadvantag...

University of Maine at Fort Kent Admissions Statistics

University of Maine at Fort Kent Admissions Statistics With an acceptance rate of 81%, the University of Maine at Fort Kent is an accessible school for students with decent grades in college preparatory classes. Students will need to submit an application (the Common Application is accepted), high school transcripts, and a writing sample. SAT and ACT scores are not required. For guidelines and instructions about applying, be sure to visit the schools website. Admissions Data (2016): University of Maine at Fort Kent Acceptance Rate: 81%The University of Maine at Fort Kent has largely open admissions, but students will need adequate college preparatory coursework as well as an essay and letter of recommendation.UMFK has test-optional-admissionsTest Scores 25th / 75th PercentileSAT Critical Reading: 390 / 510SAT Math: 400 / 475SAT Writing: - / -Compare SAT scores for Maine CollegesACT Composite: 16  / 22ACT English: 12 / 22ACT Math: 16  / 20Compare ACT scores for Maine Colleges University of Maine at Fort Kent Description: The University of Maine at Fort Kent is a  public liberal arts college  and one of the seven institutions that make up the University of Maine System. Students who hate winter need not apply Fort Kent sits on the northern edge of Maine along the Canadian border, and the town is home to the CanAm Crown Sled Dog race, an event in which participants can qualify for the Iditarod. Outdoor lovers will appreciate the fishing, skiing, snowshoeing, hiking, hunting, camping, and kayaking opportunities in the area. The colleges location has largely shaped the curriculum with its experiential approach to learning and its focus on environmental stewardship and rural communities. The town of Fort Kent is home to about 4,000 people, and French-speaking Canada is just a few blocks away. Student life at the college is active with clubs and organizations focused on music, gaming, religion, hobbies, and education. UMFK also has a small fraternity and sorority system. In athletics, the UMFK Bengals compete in United States Collegiate Athletic Association (USCAA). The school fields two mens and three womens intercollegiate sports. Enrollment (2016): Total Enrollment: 1,904 (all undergraduate)Gender Breakdown: 31% Male / 69% Female35% Full-time Costs (2016  - 17): Tuition and Fees: $7,575 (in-state), $11,205 (out-of-state)Books: $1,000 (why so much?)Room and Board: $7,910Other Expenses: $2,500Total Cost: $18,985  (in-state), $22,615 (out-of-state) University of Maine at Fort Kent Financial Aid (2015  - 16): Percentage of New Students Receiving Aid: 94%Percentage of New Students Receiving Types of AidGrants: 81%Loans: 66%Average Amount of AidGrants: $5,250Loans: $7,076 Academic Programs: Most Popular Majors:  Business, Elementary Education, Secondary Education, Nursing, Social Science Transfer, Graduation and Retention Rates: First Year Student Retention (full-time students): 75%Transfer Out Rate: 28%4-Year Graduation Rate: 29%6-Year Graduation Rate: 47% Intercollegiate Athletic Programs: Mens Sports:  Soccer, BasketballWomens Sports:  Volleyball, Basketball, Soccer Data Source: National Center for Educational Statistics If You Like the University of Maine Fort Kent, You May Also Like These Schools: Husson University: Profile  Thomas College: Profile  University of Maine - Orono: Profile | GPA-SAT-ACT GraphUniversity of New England: Profile | GPA-SAT-ACT GraphUniversity of New Hampshire: Profile | GPA-SAT-ACT GraphLyndon State College: Profile  University of Vermont: Profile | GPA-SAT-ACT GraphUniversity of New Haven: Profile | GPA-SAT-ACT GraphChamplain College: Profile  University of Maine - Augusta: Profile  University of Hartford: Profile | GPA-SAT-ACT Graph

American indian Essay Example | Topics and Well Written Essays - 500 words

American indian - Essay Example He was also known as â€Å"Liver-eating Johnston† because it was believed that he ate the livers of the Indians he killed as a sign of disrespect. In the movie however, Johnson was not really a violent man. He was only driven into vendetta when the Crow Indians murdered his family. Redford gave a great performance in this movie. Even with just Redford’s acting, the film could very well be a stand-out. Will Geer’s performance as Bear Claw Chris Lapp is also outstanding. The thing that I liked best in the movie is the fantastic cinematography. The film was shot in Utah Zion’s National Park. The setting is breath-taking and gives an excellent backdrop for the movie. The background music used in the movie is very appropriate and blends well with the scenery. I find the last scene of the movie very touching. Johnson is shown reaching his hand into the air as a sign of friendship in reaction to the Crow Chief’s raising of his hand too as a sign of peace b etween the tribe and Johnson. I find this scene also symbolic of the friendship that is to come between Johnson and the Crow Indians. There was so much meaning in this scene. In terms of accuracy, I think Pollack researched well about the language, culture and clothing at that time. The technology presented is authentic such as the use of the Hawken rifle.

Criminal Justice Bill of 2003 Essay Example | Topics and Well Written Essays - 1500 words

Criminal Justice Bill of 2003 - Essay Example The proposal says that there are fundamental problems, first in the investigation process and then in subsequent trial. The seriousness of the alleged office and the mentality that leads to such offence should be fathomed by jury because a careless acquittal or a ready acceptance of non-existing innocence could spell abortive justice though it is difficult to achieve unanimity in this matter . As it is establishment of fraud is a highly time consuming procedure warranting diverse evidence and corroborative facts. If judge has to educate jury on all of them it is naturally further waste of Court time. All investigation cannot claim transparency and it is neither easy nor compulsory to have it. Commercial investigation might involve even distant parties and inside knowledge of such parties’ financial dealings might encourage jurors to use it later for their own advantage. There might be juries who had fallen prey to fraudulent financial issues and might have developed bias towar ds fraudulency and such jurors will be prejudiced while dealing with the case . If it is necessary to choose sides, perhaps it is better to have trials without the jury. First of all, it is the right of the Court to decide on the trial and not that of the defendant, as told by Lord Justice Auld . He also recommended for creation of an ‘intermediate’ Court with a bench consisting of a District Judge and two Magistrates and Government rejected this idea, but the Minister agreed that such arrangement could be considered in certain cases . Clause 36 will allow the defendant to opt out of jury trial by making an application and the judge will examine the feasibility. If there is a co-defendant, his views are of paramount importance . There are mixed reactions to this issue and the Bar Council and the Criminal Bar Association were rather uncomfortable and opined: â€Å"Rather than trying a cross section of cases and defendants, judges are likely under these proposals to have a diet of unpopular sexual allegations; unattractive middle or upper class fraudsters; and cases where the defence lawyers hope for a technical victory, either in the court of trial, or on appeal following defects in the reasoned judgment" . Roger Smith, Director of Justice said: â€Å"the jury is often presented as something which is to defend the defendant's interest; it is actually wider than that. The jury protects the public's interest in the system. That is not just the defendant; it is a protection for the professional judiciary in the system because they take the decision on guilt or innocence" (Ibid). The Select Committee on Home Affairs supported the view expressed by Lord Judge Auld.

Recruiting and Retaining Qualified Personnel Essay example -- Work Wor

Recruiting and Retaining Qualified Personnel INTRODUCTION One of the most critical challenges facing public administration is the recruitment and retention of qualified personnel. While the problem of attracting talent into public service is not new, the introduction and rapid expansion of the high technology and Internet industry, the problem has reached crisis proportions. Both the public and private sector have embraced the Information Age with increasing dependence on a skilled and versatile workforce. Private industry responded by developing greater versatility in expanding and contracting their workforce to compliment the strategic requirements and goals of the organization. Public administration did not adequately recognize the changes in private industry that had such a significant impact on the workforce. In the past twenty years the workforce, who had previously expected to spend their career with a single employer, has adjusted to a norm of changing employers several times, (and in many cases changing career paths). This changi ng expectation of the workforce necessitates not only policy changes in public administration, but far better flexibility in hiring, rewarding and retaining methods. The shift to broader based training and advanced skills have changed the expectations of the workforce. Workers are increasingly less content with remaining within a single occupational discipline and have matched the flexibility and agility of their employers. Public administrators have increasingly recognized the need to modify reward and incentive programs placing much greater emphasis on performance than tenure. Private business, with its ability to change and re-focus strategic goals and objec... ...US Department of Defense, Acquisition Managers Recruiting, Hiring and Retention Handbook, â€Å"Hiring†, 15 April 2001. Available from: http://gravity.lmi.org/acqbook/hiring/index.html. US Department of Defense, Acquisition Managers Recruiting, Hiring and Retention Handbook, â€Å"Retention†, 15 April 2001. Available from: http://gravity.lmi.org/acqbook/retention/index.html. US Department of Defense, Acquisition Managers Recruiting, Hiring and Retention Handbook, â€Å"The defense Acquisition Workforce Improvement Act (DAWIA)†, 15 April 2001. Available from: http://gravity.lmi.org/acqbook/dawia/index.html. US Department of Defense, Acquisition Managers Recruiting, Hiring and Retention Handbook, â€Å"The DoD Civilian Acquisition Workforce Personnel Demonstration Project (AcqDemo)†, 15 April 2001. Available from: http://gravity.lmi.org/acqbook/acqdemo/index.html.

Organizational Security Plan Essay

For every organization and business, physical security is a necessary aspect of protecting its facility, properties and employees against unwanted criminal activities. To choose the best organizational security plan possible, the organization must first conduct a thorough risk and threat assessment to assist in developing physical security plan. Basic physical controls focus on three levels of protection, which is the outside perimeter, the inside perimeter and the interior of a building. Each of these security levels must include at least two to three forms of security measures to make physical controls effective. An organization that is pursuing physical security should follow the recommended security best practices and implement the necessary steps to ensure the most effective physical security possible. At its core, physical security helps achieve protection of the personnel and assets by keeping the theft and other malicious criminal activities. Outer, Inner and interior Perimeter Security To better understand how to effectively implement security measures on the three basic levels of protection, there must be a clear distinction between the outer, inner and interior perimeter security. The outer perimeter of a property is usually defined by the property lines. The facility’s outer perimeter is fenced with a distinctive access point of entry, such as gate. The main purpose of establishing the outer perimeter security is to control all the traffic entering and leaving the property, meaning only authorized personnel and visitors should be granted the access pass the entrance gate. For an organization to decide which type of outer perimeter security is the most suitable one for its purposes, it needs to weigh the pros, cons and the cost of an intruder entering the property versus the physical security available. External Building Security External Security is the next line of defense, right after the perimeter security. External Security must take into consideration various factors that can potentially influence the security measures’ settings, such as weather and natural events. The organization must evaluate the value of what needs to be secured and protected in order to better apply appropriate external security measures. Such assessment of valuables should be objective; there is a difference between external security of high tech laboratories and the one of a small business owner. Each facility has very specific security needs, financial resources and abilities to implement appropriate measures of protection. Many large scale organizations and business use fencing and a gate as a primary source of external building security. Fencing is a clear sign of the property’s perimeter and it means the property is private and any unauthorized trespassing will be reported to local law enforcement authorities. Some private residence owners even use dogs as an external building security. There are various ways to find the most suitable tools, and it should be done so after a thorough consideration of the risk and threat assessment. Lighting is another great security tool to scare intruders or at least make their work more difficult and exposed to the surrounding. Nowadays, there are many sophisticating lighting systems that can be configured to fit exactly the building’s needs. Some lights can be turned on at all times during dark hours. Such approach is however more used for internal lighting and implemented by various companies and their office branches such as UPS, Pet Supermarkets or other retailers. Exterior lighting is extremely important for large outside perimeter, where the facility is fenced, has a main entrance point and even is guarded by a security officer. That security officer cannot have good visual perspective at night, however with the fence being lightened and the building exterior having lighting set up throughout, it allows the security officer to better view suspicious activities and therefore reacts quicker if an intruder trespass the facility. â€Å"PIR motion detector sensor so that it will switch the light on when movement is detected. Some lighting has a handy override feature to allow the light to stay permanently on and is useful if there is a need for light outside the property for a length of time. † (Secure Home, 2012) Modern lighting systems are also sustainable to severe weather such as snow storm, heavy rain storms and other extreme weather conditions. Security Alarms and CCTV Security alarms are very popular and useful security tools that are commonly found in both private residences and organizational facilities. Although they are mostly used for internal security, those that wish to secure their premises with the state of the art technologies, outside security alarms can provide just that. They work very similarly to interior security alarms; they get triggered once the intruder gains an entry without proper authorization. They can be either silent or loud and notify the property owner, management or local authorities directly. Closed Circuit TV cameras are also used for both external and interior security and it depends on the organization’s needs to select in what way to use them. The bright side is that CCTV used to be quite expensive in the past and became rather affordable in the past years. Inner Perimeter Security Inner perimeter security takes care of all the entrance points to a building, including windows, doors and other points of entrance. They all should be secured with some type of lock, whether it is a regular bolt lock or more sophisticated keypad lock. Some entrance points may be guarded by security officers who check employees’ and visitors’ ID’s to ensure only authorized individuals get inside the building. At some instances, biometric scanning devices are used to scan finger prints, eyes or other body parts to protect against intrusion with stolen ID. What type of security measure an organization chooses solely depends on the organizational security plan. Inner perimeter security system should be assessed and updated periodically to ensure the highest efficiency possible. Internal Building Security Internal building security can be perhaps the most challenging when it comes to the overall facility’s security. Especially with large scale buildings with multiple floors, numerous rooms and a large number of employees and staff, an intruder can easily blend in. The purpose of internal security is detecting any type of activity that is out of ordinary and may signalize a possible intrusion or security breach. The organization must also closely follow and adhere to privacy laws to avoid any potential law suits or legal issues. Interior security covers everything that is inside a building or property. There are several ways that an organization can provide security to the building. There are high tech quality cameras such as the Closed Circuit TV cameras that monitor the entire inside, record, and store these movements for certain period of time for a later review. These cameras can work simultaneously with motion detectors to add an extra benefit. Video surveillance is proven to be a highly efficient security measure, especially when the physical security is not able to monitor the entire interior at all times. Not only would it be costly, but quite impractical. With a well configured surveillance system, every floor, every section or even every room within the building can be set up with a Closed Circuit TV camera. Then, there must be designated security personnel to monitor such footage from either a remote location or a specific room within the building to respond if any suspicious activity is detected. They can monitor and view every part of the building without being physically present. If a suspicious activity is noticed, which is of course very likely during the course of time, a trained professional such as the active security officer on duty, must quickly evaluate the occurring situation and decide on action. This approach is often used by many large organizations such as hospital facilities, large retailers or casinos. One of the most important and often difficult parts of the surveillance is to go through the footage and filter out what movement is irrelevant and what may be a signal of security breach. Access Control The major objective of access control is to whom grant authorization to enter certain restricted areas that are not open to the entire personnel. Access control is the foundation of interior security, whether it is access to the internal offices, storage rooms and other areas, IT rooms, and other secure areas in the building. Governmental agencies and institutions conduct thorough background investigations for various job positions to hire only those individuals who able to receive a security clearance, such as industrial clearance or top security clearance, that automatically allow these individuals to work in certain buildings and areas, but not necessarily view all confidential documents, unless specifically permitted. Private organizations can choose their own way how to grant access. One of the possibilities is to issue special ID badges that must be scanned prior to entering certain areas within the building. Another way is to install keypad locks or issue special keys to the authorized personnel. It is up to the security manager and the project manager to decide, which way is most suitable for their organization. These access control measures do not eliminate the presence of a security officer, but rather add an extra layer to the overall security. Every organization must keep in mind that an intrusion does not always happen from the outside, but also from the inside; by the employees and staff, who try to obtain materials they would not be able to get otherwise. Estimated Budget Every organization has very specific needs that are based on various factors. To properly assess those needs and what security measures to implement, there must be specific facts considered. Besides what was already discussed in this paper, such as the size of the building, the capacity, the surroundings and location and the valuables of the inside, there is one factor that ultimately determines what security measures an organization can apply towards its organizational security plan and that are the estimated budget and costs of these security tools. In the present time, there are numerous options, various brands and large number of providing contractors that are competing to get the organization’s business. After a thorough research, an organization can decide what are the pros and cons of these security measures and if they ultimately provide the needed benefit the facility needs. Annually, there are hundreds of millions of dollars spent in the US alone on security measures by private organizations, such as alarm systems, deadbolt locks, keypad locks, surveillance systems and other tools. When it comes to the Federal government, the numbers are even higher. â€Å"Funding for homeland security has risen from $16 billion in FY2001 to $71. 6 billion requested for FY2012. Adjusted for inflation, the United States has spent $635. 9 billion on homeland security since FY2001. Of this $163. 8 billion has been funded within the Pentagon’s annual budget. The remaining $472. 1 billion has been funded through other federal agencies. †

Legalize It Already - 1663 Words

Life has its daily complications and we often need an escape. Some of us find relief in a nice glass of red wine and a piece of double chocolate cake. Others may find their arrival in paradise on the rim of an ice cold beer. An abundant amount of us turn to more common fixes like cigarettes or food. Then there are the ones that can’t find pleasure in common fixes, they’d rather turn to drugs for peace. Drugs like Marijuana (Cannabis) are often frowned upon because of its effect on the brain and has been constituted as illegal. But alcohol also affects the brain and it is legal. The question could be what’s the difference between alcohol and marijuana that makes marijuana illegal? Or it could be; what is the sole purpose for making it†¦show more content†¦More symptoms also include paralysis, tremors and difficulty speaking. But after the use of marijuana, reported feeling limited pain and spasticity. Some have even reported that it has a profound effect on speech and eyesight, relieves tremors, helps them gain control of uncoordinated muscle action and could even slow down the progress of the disease. But it produces even more positive effects for patients with Cancer. Cancer comes in several types, lung, colon, prostate, brain, etc. and these patients have a tough battle as do all of the patients that have to endure the pain of the disorders and diseases mentioned. But Marijuana produces the best results for individuals with Cancer in my opinion. The most extraordinary result possible for Cancer patients is the result of tumor reduction caused by Marijuana. Regular use of this drug has also been found to reduce pain and nausea related to chemotherapy and radiation. Recent studies reported by AmericansforSafeAccess.org (an organization that supports legalization of medical marijuana) have proven that the â€Å"munchies† associated with marijuana helps to control appetite-stimulation properties that help combat Cachexia, or wasting syndrome. The Institute of Medicine has conducted research within the last 15 years that resulted in the conclusion that cancer patients who have trouble with sever nausea often have a difficult time swallowing and keepingShow MoreRelatedDrugs: Drug Addiction and Domino Effect1419 Words   |  6 PagesOne Nation Under Drugs This problem has been going on for decades and still going on till this day. Should the U.S legalize every drug, would that be the answer? Do we continue with this twenty-five year plus war with drugs. 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The states willing to legalize prostitution would have to tax and license these prostitutes, and a registry would be made to list legitimate workers online. Instead of the taxpayers paying for the mistakes prostitutes have made, have the state take over how this profession should take place, legalize this profession where the prostitutes pay the taxes on their earnings instead of the public paying taxes for theirRead More Against Legalizing Homosexual Marriages Essay1293 Words   |  6 Pagesand equal rights activists angry. Courtrooms should be nervous though. Our courts, which have mishandled abortion, may be on the verge of mishandling homosexual marriages (Wilson 34). The judges of t he Supreme Court of Hawaii might possibly legalize gay marriages in the near future. Once legalized in Hawaii, gay marriage -- like quickie Nevada divorces -- will have to be recognized under the full faith and credit clause of the constitution throughout the rest of the U.S. (Krauthammer)Read MoreThe War On Drugs And Its Controversial Approaches1531 Words   |  7 Pagesproud of and it is something everyone should be very concerned with. A hot topic in today’s world is drug legalization. The main drug people want legalized in America is marijuana. There are two sides to this argument like always, the first being legalize marijuana and tax it, the second being keep it illegal. In states like Colorado, Washington, Oregon, and Alaska legislators have passed laws that allow possession of marijuana. These laws allow anyone to have small amounts of marijuana; however,Read MoreShould Marijuana Be Legalized?1581 Words   |  7 Pagesmarijuana has been a popular topic within the past couple of years. This topic is very controversial due to the fact that many people are unable to see past the bad rap that cannabis has accumulated over past years. Among the other aspects that have already given marijuana a bad reputation, some people are trying to find more and more reasons to postpone the legalization of marijuana. Since the legalization of cannabis in Colorado, Washington and Oregon the debate of legalizing this †Å"drug† in every stateRead MoreShould Marijuana Be Legalized?1247 Words   |  5 Pagesa controversial topic within today’s society. It is commonly debated upon during election time. Many states are trying to legalize marijuana, while others are firmly against it. As people in the United States vote for their political leaders, they are also voting on whether or not to support bills such as those that legalize marijuana. 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The Issue Of Legalizing Abortion Essay - 1719 Words

Introduction State your Ethical Position on the issue upfront, with its ethical motivation. The argument surrounding abortion is a very topical issue in our society and dates way back to ancient days. The issue of legalizing abortion is a growing social concern as all life is sacred and valued. However, in recent years there have been two ethical arguments by the Supreme Court in legalizing abortion that of pro-life and pro-choice. Despite the legal acceptance of abortion in some countries, the matter remains an ethical concern (Jones Chaloner, 2007). With this is mind, the writer’s position is pro-life from a deontological perspective. According to the Encyclopaedia Britannica (2015), deontological emphasizes the relationship between â€Å"duty’ and morality of human actions. The term deontology derives from the Greek deon, â€Å"duty,† and logos, â€Å"science.† Thus, pro-life seek to advocate for the defenseless human being whose life is being unjustly taken away (Alcorn, 1994). Since all human life begins at conception the act of abortion can then be seen as murder because it is the act of taking someone’s life. Abortion is an infringement on human life. In retrospect no civil society would allow for someone to take the life of another; for that reason, abortion must be viewed as morally wrong. Subsequently, the bible recognizes no crucial difference between the being in the womb and the being after birth. Hence, from conception and onwards, the individual is a person. GenesisShow MoreRelatedThe Legalization of Abortion: an Advantage Taken for Granted1619 Words   |  7 Pagesfeelings or do you let the rules get in your way? If you were given a choice between following what you believe in and just following the rules, what would you pick? The same concept applies with the issue of abortion. AbortionÂâ€" a procedure that deliberately removes a fetus in a womans wombÂâ€" has been a major issue tackled by numerous countries and worldwide society. It is a process of taking away a child before it is able to live in the outside world. Through the years, it has been a debatable topic beingRead MoreShould Abortion Be Legal? Essay1089 Words   |  5 PagesWhen the word abortion is heard, it is always associated with many negative things such as murder and inhumanity. However not legalizing abortion creates a huge problem for women around the world. Having a child takes consideration, planning and preparation and if pregnancy happens without any of this, why bother to have it at all? The reasons why abortion should be legal is that it supports the fundamental human rights for women by giving them a choice, it reduces crime by reducing the number ofRead MoreLegalizing Abortion770 Words   |  4 PagesLegalizing Abortion As the rate of abortion has rapidly increased for past several years, it has been an issue that everyone has thought about it at least once. Abortion is the deliberate killing of the weakest and most defenseless among us. There can be plausible reasons that they support abortion. However, I oppose to legalize abortion because not only that parents should accept the responsibility that comes with producing a child, but also it is highly risky for women both physically and mentallyRead MoreAbortion: A Never Ending Debate Essay example1629 Words   |  7 Pages Abortion alone has always been a major issue. Whether it’s the woman having to decide to get an abortion, or anti-abortion groups who are against abortions, trying to make them illegal all over the United States. Deciding on legalizing abortion in the United States seems to be an even bigger issue. For years people haven’t been able to come to a conclusion, legalizing or illegalizing it for good. Abortio n which means the termination of a pregnancy after, accompanied by, resulting in,Read MoreAbortion Essay888 Words   |  4 PagesThe issue regarding abortion should not be neglected and should be given proper attention. Abortion should be provided to each woman who is mentally, physically, and financially unprepared to have a child. Raising a child at a very young age seems to be infeasible as it lowers the quality of life that the mother and the child would have. It can negatively affect both the mother and the child—being pregnant at an early age could cause complications, and unplanned births are linked with child abuseRead MoreTheoretical Perspectives Of Abortion879 Words   |  4 PagesThe Three Theoretical Perspectives on Abortion Abortion has been a highly debated topic for many years. Until 1973, when abortion was legalized in the U.S., women were obtaining very dangerous abortions that often killed them in the process. Although abortion is legal now, members of society still do not agree on whether it is â€Å"right.† There are pros and cons of abortion, which can be examined by the three theoretical perspectives; Structural Functionalism, Conflict Theory, and Postmodern TheoryRead MoreAbortion: a Controversial Issue1159 Words   |  5 PagesAbortion: A Controversial Issue One of the major controversial issues confronting the society today is abortion. I choose abortion as the topic of discussion since it contradicts my values and beliefs. Abortion is the extraction of the human fetus from the mothers womb with an intention to end the life of that fetus prior to its natural birth. The controversy surrounding abortion is whether it should be legalized or not? In my opinion, abortion is morally and ethically wrong because it leadsRead More Abortion Essay1130 Words   |  5 Pages Abortion: A Controversial Issue nbsp;nbsp;nbsp;nbsp;nbsp;One of the major controversial issues confronting the society today is abortion. I choose abortion as the topic of discussion since it contradicts my values and beliefs. Abortion is the extraction of the human fetus from the mother’s womb with an intention to end the life of that fetus prior to its natural birth. The controversy surrounding abortion is whether it should be legalized or not? In my opinion, abortion is morally and ethicallyRead MoreRunning for Texas Senator1493 Words   |  6 Pagesmind. Jennifer’s campaign name would be simple; â€Å"Jennifer† because it contains three exact syllables, which is proven to stay in the audiences mind. Jennifer would reach out to the interest groups or special organizations that believe in the same issues as she does. This creates a mutual benefit for both sides, as the interest groups can be heard by a senator running and Jennifer would persuade them to vote her, with the exchange of a vote she may promise a thing or two. Special groups like LULACRead MoreAbortion Did Not Lower Crime Rate704 Words   |  3 Pagesin the 1990’s. That theory is that the Supreme Court case of Roe V Wade, which legalized abortion in all fifty states. Steven Levitt stated in Freakonomics that the legalization of abortion had the biggest percentage of why the crime rate went down. Yet, I would like to question this theory myself. One big controversy that I have with this theory is that Mr. Levitt did not put in to factor the crack issues that were occurring during the time. The 1990’s was the biggest boom for the crack industry

Comparing The Teachings Of Jesus With Those Of Paul

1. Compare the teachings of Jesus with those of Paul. Why do you think some people consider Paul the second founder (or even the true founder) of Christianity? The gospel describes Jesus as a great teacher who astounded the crowds who gathered to hear him. Though he engaged in debates with Pharisees and Sadducees, he took great interest in ordinary people. He often taught them in parables, stories that used vivid images from everyday life to illustrate spiritual truths (Invitation to World Religions, pg.416). The central theme in Jesus’ teachings was the Kingdom of God. For Jesus, the kingdom of God was not an ordinary kingdom, but that exists when human beings recognize God’s sovereignty over the world and respond in love and in†¦show more content†¦Though Jesus was sinless and undeserving of death, he offered himself as a sacrifice in atonement for all sin (Invitation to World Religions, pg.418). Paul was always emphatic in maintaining that salvation cannot be earned by â€Å"works†, whether humans’ effort to obey the commandments in the Torah or excellent work in general. Instead, he taught that the s alvation made possible by Christ’s sacrifice is a gift, the ultimate expression of God’s love and grace. Salvation is given to those who respond to God’s grace in faith, the conviction that God has acted through Jesus Christ to amend for human sin. Although Paul was very clear in teaching that salvation depends on God’s grace and the individual’s turning to God in faith, he did not dismiss the importance of works (Invitation to World Religions, pg.419). For Paul, faith does more than bringing salvation; it unites the believers with Christ in a â€Å"newness of life†. He believed that the spirit lives in believers and brings them into union with God. As a divine presence within, the spirit encourages the growth of spiritual virtues, the greatest which is love and makes all Christians one in the church often called â€Å"the body of Christ†. Because Paul was the first to describe and teach about the role of Jesus in the salvation of humanity from sin, he’s known to be the second founder of Christianity. It was due in part to his influence thatShow MoreRelatedComparing the Teaching on the Resurrection in I Corinthians and the Thessalonian Letters1499 Words   |  6 PagesComparing the Teaching on the Resurrection in I Corinthians and the Thessalonian Letters The purpose of this paper is to compare the teaching on the resurrection of Jesus Christ as it is noted in Pauls letter to the Corinthians and Thessalonian letters. The resurrection of Jesus Christ is one of the primary doctrines of study in the Bible because it reveals the victory that believers have over death, hell and the grave. However, the belief in a bodily resurrection has been the central focusRead MoreThe Hero and the Saint: Paul and Augustine656 Words   |  3 PagesThe Hero and the Saint: Paul and Augustine The idea of the hero in Greco-Roman culture was integrated into the idea of the saint (in the process of conversion and totalization) by way of Christianitys adoption of and ancestry in the Greco-Roman culture. As Professor Ambrosio indicates, The need and the search for meaning is shared by all human beings (Hero or Saint Saul of Tarsus). Thus, it is no surprise to find that a pagan Greco-Roman title is applicable to a Christian whose virtue is viewedRead MoreCompare And Contrast Christianity And Islam1031 Words   |  5 Pageshighly recognized by governments. Though Christianity is more widely known, they both pose the same challenges to each other. Considering the similarities and differences of Christianity and Islam, it can be said they are both very different. Comparing the two religions, is simpler due to the clear difference between the beliefs of the religions as well as practices in worship. The historic origin of the two religions was much easier especially that of Christianity which begun as a Jewish sectRead MoreSpirit Baptism Is About The Restoration Of God s Covenant Community Essay1121 Words   |  5 Pagesdifferent things. Therefore, it is unwise to seek answers from Luke to something he did not address. To demonstrate this point, Lee brings out examples of spirit baptism in Luke’s writings. Supporting Evidence. He begins by comparing John the Baptist’s baptism in Luke 3:1 -22 to Jesus baptism of the spirit in Acts 2. He proposes that the baptism of John was symbolic while Christ s baptism ushered in a new era that would redeem humanity from their living damnation. In other words, John’s baptism wasRead MoreScriptures On The Same Sex Marriage1639 Words   |  7 Pagesor not it with religion affiliations. But many associate their opinion with the use of Scriptures in the bible. I will be analyzing evidence and reasoning from two different articles arguing against and for same-sex marriage by using Scriptures, Paul, and procreation to back up their claim. In 2004, the state of Vermont began the first steps towards legalizing gay marriage the same year Edith M. Humphrey published an article called â€Å"Recovering Christian Marriage† in a â€Å"ChristianityRead MoreWhy Revival Tarries By Leonard Ravenhill955 Words   |  4 PagesArt Tozer, the owner of two honorary doctoral degrees and an American preacher forwards this book to the nature of Ravenhill being impossible to remain neutral, â€Å"His acquaintances are divided pretty neatly into two classes, those who love and admire him out of proportion and those who hate him with perfect hatred† (13). Leanard Ravenhill was born 1907 in the small town of Leeds, England. In mid-life he traveled aboard to America and fell asleep in 1994. He began publishing his works in 1959 and compiledRead MoreThe Teachings At The Sermon On The Mount1342 Words   |  6 Pageswith suffering. With Christianity, Jesus taught his followers that suffering is eliminated through salv ation, which is by repentance and dependence on God. While with Buddhism, Buddha taught suffering is universal and that the only way to deal with it is by forsaking oneself and following the Middle Path, thus achieving a worked out salvation. Though these teachings do resemble each other in meaning, they differ in their purpose. When looking at Jesus’ teachings at the Sermon on the Mount, he givesRead MoreDevotion Is A Major Theme1608 Words   |  7 Pagesâ€Å"love, loyalty, or enthusiasm for a person, activity or cause.† In all religions, devotion is a very big reoccurring theme. In order for a person to commit himself or herself to a religion, they must devote their mind, body and soul to the true teachings of the religion. Devotion in the religions of Christianity and Buddhism is very important, but what they devote their lives to, and how they devote themselves is what makes the religions different. In the religion Christianity, devotion is a majorRead MoreThe Life And Times Of Jesus Of Nazareth1773 Words   |  8 PagesTwo thousand years ago, the birth of Jesus, arguably the most influential man the world has ever seen, altered history forever. Christians know him as the Messiah, the son of God who came to save all of mankind, and for others, he may just be a great teacher and person of history. It is the latter that Reza Aslan attempts to shed an unbiased light on by comparing the Jesus that modern Christians believe in to the Jesus that Aslan believes would have fit into first-century Palestine: a violet revolutionaryRead MoreThe Theological Theory Of Atonement1634 Words   |  7 PagesThe early church fathers took the story of Jesus and attempted to put it into a living theology that would give the story more meaning for their current day. They used their philosophy, culture, and personal style to form their ideas of what the atonement means. In the second century, Irenae us and Athanasius formed their beliefs into a model of atonement. They are usually regarded as being the first to outline the theory of atonement called the recapitulation theory. Their work set the tone for all

Basic Cognitive Skills †A Comparison Free Essays

There are three established ways to approach a task. One can either use the methods in Bloom’s Taxonomy, the Scientific Method or the Universal Troubleshooting Method. Each of these methods is systematic and hierarchical – from the least complex to the most complex, with each step as important as the next. We will write a custom essay sample on Basic Cognitive Skills – A Comparison or any similar topic only for you Order Now Each method has been designed to assist individuals in undertaking tasks that are seemingly difficult. These methods have different characteristics and steps, but some of the means are parallel to the others. However, as diverse as these frameworks may seem, there are also segments connecting each method to the other. Bloom’s Taxonomy (New Version) Originally conceptualized by Benjamin Bloom, Bloom’s Taxonomy is perhaps the most popular framework describing man’s learning method. Several theorists have also discussed and provided variations of this method and recently, Lorin Anderson and David Krathwohl proposed a new version of this method. (Wilson, â€Å"Beyond Bloom – A new Version of the Cognitive Taxonomy,† par. 4) In following the template of Bloom’s Taxonomy, the first step involves the acquisition of the knowledge using the senses. It often involves identification, repetition, and memorization. The second step is comprehension. Comprehension occurs when a person can already discuss a concept or idea by explanation or illustration. When an idea can be applied to concrete situations, one has already reached the third step – application. It involves being able to use the concept in more common situations that it can be related to. The fourth step – analysis – includes the ability to scrutinize the concept. The fifth step is evaluation, in which the concept can be judged and criticized based on certain standards. By the sixth step, one shall be able to take the concept apart and use it to form a new complete entity – this is called synthesis. The Scientific Method The steps in the Scientific Method take on a slightly different angle. The first step involves asking the question where the topic to be studied is identified. Next, a background research is conducted about the concept. This is where available previous studies are referred to, so it is determined whether there have been other scientists or researchers who have undertaken the project. Formulation of the hypothesis is next in the process. A good hypothesis is measurable and coherent to the question initially proposed. Tests are to be conducted to try out the validity of the hypothesis. The results of these tests are taken down and evaluated so as to draw conclusions. The results are further evaluated and connected to the previous steps. One analyzes whether there has been positive or negative results coming from the tests that have been conducted. The initial hypothesis is brought out and scrutinized on its validity. With all of the data that have been gathered, a detailed report is constructed to illustrate the details and results of the entire task. One characteristic of the Scientific Method is that one or more of the steps can be repeated if the previous strategy does not yield results or the desirable outcome. Furthermore, there are times when a certain step like â€Å"testing the hypothesis† can be repeated several times in succession until concrete and verifiable results are accomplished. On the other hand, the new model of Bloom’s Taxonomy requires fulfillment of a certain step before moving on to the next level. In fact, one cannot move on to the next level without the completion of the previous one. For example: one cannot apply knowledge which he cannot comprehend first nor one cannot try to comprehend what he does not know of. Universal Troubleshooting Method The Universal Troubleshooting Method is characterized by a five-step program. Initially, a complete description of the problem is taken into account. To prepare for the process, all necessary tools should be present, including the best suitable environment for the project. All of the indications of the problem should be entirely noted detail by detail to ensure that the correct steps are going to be taken in the process of solving it. To check if the problem is correctly identified, one should be able to replicate the symptoms. After this step, one is tasked to narrow down the root cause of the problem. This means that all nuances are to be tested and eliminated, if proven as a secondary cause. This can be a lengthy process and may require a lot of patience, much like testing the hypothesis in the Scientific Method. Once the root cause is identified, steps are to be taken to resolve or repair it. Using the appropriate tools, the root of the problem is eliminated and/or replaced. After the work in replacing or eliminating the problem, testing needs to be made. One checks whether the problem still exists or persists. In cases when it does, then some of the steps are to be repeated to make sure that the problem is resolved properly. There may be instances when the problem is incorrectly identified and the step must be repeated to correctly identify the problem. But if the correct problem is resolved, it needs to be tested several times to ensure that it would not happen again. Additionally, one must check if there are any potential problems that are created while resolving the main problem – problems that may cause more difficulty in the future. The Universal Troubleshooting Method is aimed at solving or finding the solution to a particular predicament, while Bloom’s Taxonomy can be used in more levels like learning a new skill – in fact, it is often utilized in a learning environment. This method (Universal Troubleshooting Method) can be more likened to the Scientific Method since it is normally following a dilemma. The steps, although not entirely interchangeable, can be repeated as much as it calls for. These methods require careful planning and execution – each project done following the steps correctly will definitely yield productive results. These three approaches show how to manage a task. Each of these works based on a system that proves to be effective and, thus, valuable. Each system, each step, is geared towards the solution of the problem at hand. They are designed in such a way that each seems to be somewhat a reflection of the others, with variations or modifications devised based on necessity. But even with these distinctions, these approaches are, in the end, essentially similar to each other. Works Cited: Litt, Steve. â€Å"The Universal Troubleshooting Process†. 2006. Troubleshooters. Com. 16 June 2009. http://www. troubleshooters. com/tuni. htm#_The_10_step_ Universal_Troubleshooting. Wilson, Leslie Owen. â€Å"Beyond Bloom – A new Version of the Cognitive Taxonomy. † 2006. Dr. Leslie Owen Wilson’s Homepage. 16 June 2009. http://www. uwsp. edu/ education/lwilson/curric/newtaxonomy. htm. â€Å"Steps of the Scientific Method†. Science Buddies. 2009. Kenneth Lafferty Hess Family Charitable Foundation. 16 June 2009. http://www. sciencebuddies. org/mentoring/ project_scientific_method. shtml. How to cite Basic Cognitive Skills – A Comparison, Papers

Mortgage Refinancing At Vintage Building Society †Free Sample

Executive Summary The bank of Vintage Building Society has been receiving growing number of refinancing applications due to economic downturn. In order to handle the situation efficiently, the bank had introduced a new system for conducting the refinancing activities. However, dissatisfaction of the customers has assisted in identifying some major flaws of the existing refinancing system. This report focuses on scrutinizing the existing system of refinancing. Moreover, the major flaws o the existing system has been identified with the aid of customer complaints. Therefore, this report has produced a new design for the service blueprint in order to carry out the refinancing activities efficiently. Table of Contents Executive Summary. 2 Introduction. 4 Analysis of the Refinancing Process. 4 Problems of the Refinancing Process in Vintage Building Society. 8 Design of new Service Blueprint for Improving the Overall Process. 10 Conclusion. 16 References. 18 Introduction The Vintage Building Society was established early 1950s in the winegrowing district of the Hunter Valley in New South Wales. The Society is possessed only by its members and involved in business with the members. During the account opening procedure, prospective clients are obliged to take the membership of the society. The financial institution of the society has been experiencing slow as well as steady growth. The growing mining sector and wine industry has assisted the society in flourishing. But the economic downturn in the recent years has accelerated the rate of refinancing of home loans in this particular region. As the prospective as well as existing customers are in search of economical loans, number of applications for refinancing is increasing. The new procedure of loan approval is consisted of five stages. As the customers have complained regarding various service issues, the present refinancing process needs to be reviewed. Moreover, the report also contains suggestions for improving the present service. Analysis of the Refinancing Process In this section, the present refinancing process of the Vintage Building Society will be analyzed in order to find the significance of this process. It has been observed that, due to economic downturn customers are looking for economical loans. Consequently, Vintage Building Society is receiving huge number of applications for refinancing. A new procedure is essentially needed for handling the increasing volume of refinancing application. Hence, the retail bank of Vintage Building Society has developed a five-stage process. The service blueprint of the method must be analyzed to identify its flaws. A service blueprint is responsible for recognizing a suitable service procedure and it must consider the perspective of the customers. The new service design has identified five distinct stages and in order to execute each activity experienced and skilled personnel are appointed. The five stages of the refinancing process will be discussed in this section. Stage 1: Loan Application For starting the procedure, the clients have to complete loan application with the help of a loan officer. In this stage, the loan officer explains the choices accessible to the client. Thus the customer will get exposed to the various type of loan options available and choose the best one for him. The loan officer also checks whether the client fits the bill for loan approbation with the aid of customer-reported data. If it is found that the loan can be approved, the customer needs to sign the application form and all the official documents for authorizing the credit check and access to other relevant information for approving loan. The client is additionally asked to provide all the necessary documents for continuing the process of loan application. Therefore, the customer must be assured that the loan application will be processed soon and ask them to wait for the approval notification. Hence, this procedure will assist the customers obtaining information regarding various loan op tions. Moreover, it will also aid in collection of relevant documents if the client is apparently found to be eligible for the loan application (Greasley, 2008). Stage 2: Loan Processing When the process of loan application is completed, the customer file is sent to the department of loan processing. In this stage all the verification activities take place. The loan processing officer gets involved in the credit check process and verifies other loans or mortgages issued in other financial institutions. Moreover, valuation off property and employment verification of the loan applicant is done in this phase. During the verification, if the loan processing officer faces any issue or complication, he must ask for advice from the loan officer. In the verification report if any anomaly is identified or if it does not match with the information provided in the application, the loan applicant is asked for clarifying and explaining the discrepancies. If the loan processing department finds the explanation acceptable, it is included in the file and therefore the file is moved to the loan officer (Heizer and Render, 2009). In case the loan amount is exceeding $750,000, the file is sent to the Societys board for obtaining final approval of the loan. Hence, it can be implied that this phase is emphasizing on the evaluation of the credit worthiness of the applicant. The verification I prepared in this phase so that in the next step, based on this report the loan officer or the Societys board can make decisions regarding loan approval. This step is essential as the verification report is the determinant factor for the decision making or loan approval. Expert and qualified officials are given this role so that the organization does not encounter any loss as a result of taking wrong decision. This step is one of the most significant steps of the loan process. Stage 3: Loan Closing On the basis of the credit report, the loan closing officer sends an offer letter to the customers along with the all necessary mortgage documents. In this document, the terms, conditions and cost of the loan is described in detail. If the customer agrees upon all the conditions and terms, he needs to sign on the relevant documents and send those back to the loan closing officer. Once the signed copy is received by the officer for finalizing the loan, he calculates the amount of the final loan as well as payout amount for the previous loan. Therefore, the arrangement of settlements is done between the solicitor of the customer and the bank or financial institution which is holding the previous loan. This phase is extremely important as terms and conditions are clearly described and the loan closing officer asks the customers to agree upon it. Hence, the loan finally closes in this phase. Moreover, the payout is calculated for the previous loan and settlement is completed. This stage has been designed for completing the loan closing process smoothly and aims to make an agreement based on the defined terms and conditions (Russell and Taylor, 2009). Stage 4: New Account Establishment This is a very short phase where the loan servicing specialist establishes a new account. The activity of the loan servicing specialist is dependent upon the advice from the loan closing officer. Additionally, in this stage the settlement cheques are arranged and the customer is ensured that the loan is properly set up. Stage 5: Loan Payment setup In this stage, the loan-payment specialist is responsible for issuing payment books. Additionally, he sets up an automatic system for withdrawing mortgage fee and calculates the monthly payment amounts. The loan payment specialist is responsible for monitoring the late payment of mortgages. This step emphasizes on ensuring that the regular loan repayment is done by the customers. Every step of this service design has specific objectives. The roles and responsibilities are delegated among the expert employees so that the huge number of refinancing application can be evaluated, processed and closed promptly. The entire procedure is aiming to assist the customers in refinancing process so that it becomes convenient to them. Moreover, this process also monitors the repayment of the loan and late payments. Problems of the Refinancing Process in Vintage Building Society Due to increasing number of refinancing application, the retail bank of the Vintage Building Society is encountering lot of issues. From the customers complains it can be inferred that the refinancing process in the Vintage Building Society is not efficient. According to the complaints of the customers the major drawbacks of the new system has been identified in this section. Complexity in the Loan Application Procedure The complicated procedure of the loan application is creating a lot of problem for the customers. According to the customers opinion, lengthy forms need to be filled by them in the refinancing application. Customers suggest that the loan officer can choose verbal communication methods which will save time. It takes a lot of time to fill up the form and reverting to the mails sent by the loan officer. Instead of making the procedure complicated, the customers want to have a simplified method. The forms require a lot of information which needs to be filled by the loan applicant. This has become a serious problem for the refinancing process of the bank of Vintage Building Society. Lengthy Loan Processing Method A customer had complained that process of refinancing took two months to get completed which is too long. The customer had pointed out that if he had chosen any other bank it would have saved his time as well as money. For the lengthy method of loan processing he has to bear the extra cost for these two months mortgage payment. In the previous section it has already been discussed that in the second step i.e. loan processing, the information provided in the loan application is verified. A lot of verification is undertaken in this phase which is necessary for checking the credit worthiness of loan applicant. But, the process is time consuming while the other banks are completing this process within shorter time period. Consequently, the customer has to pay higher mortgage payment due to the long time period for processing the refinancing application. Moreover, one customer has complained that the loan approval process took so much time that his credit report, termite inspection report and valuation report got expired. The customer has complained about the so much time-consuming approval process. Additionally, he blamed the bank for expiration of the reports an asked the bank to pay for new reports. A customer complained about that no addition was made to his house property which was valued last year. However, the bank had undertaken valuation of property although it has access to the tax assessment of the client. The time consuming loan approval procedure is affecting the customers in terms of time and money (Omara, 2007). On the other hand, bank is failing to gain customer satisfaction and reputation is affected. It is a major problem for the refinancing process of the retail bank of Vintage Building Society. Inefficient Distribution of Job Responsibilities It has been observed that that single work has been duplicated. The inefficient distribution of job responsibilities has leaded the employees to get involved in a same task. One of the customers has complained about the fact that he was asked about same information from several people. Lack of proper delegation of job responsibilities has leaded to repetition of the same work. It wasted time and disturbed the customers. Another customer complained that he had received a letter from the loan payment specialist. A lot of forms were attached to the letter. The customer complained that it had asked to know about the mortgage payments. According to the customer the same things were filled during the loan closing process and he had agreed upon all the terms. The ignorance and inefficiency of the employees have leaded to these situations. Both the customers and the bank have wasted their time and money for these activities. Lack of proper planning and designing of the work is reflected in t his process (Russell and Taylor, 2009). This is a serious problem of the Vintage Building Society Bank. Errors in Loan Payment Setup It has been found that the customer is complaining about the calls from bank regarding overdue mortgage payment. An automatic system has been established for withdrawing the mortgage payment form the account of the customer. Hence, there is no point of calling the customers regarding the due payment. It can be inferred that the loan payment setup is not efficient. Moreover, the employees are not also serious as they do not make sure whether the payment has been received or not. It is not desired to disturb the customers unnecessarily. The objective of the new service design is to cater the customers in such a so that they can find a convenient way for refinancing. In this case, the customer satisfaction cannot be achieved as they are made bothered about the due mortgage payment where it has been already received at the automatic payment system (Narteh and Kuada, 2014). Design of new Service Blueprint for Improving the Overall Process In the previous section the e major flaws of the service blueprint adopted by the bank of Vintage Building Society have been identified. On the basis of the customer complains principle problems associated with the refinancing process have been discussed. This chapter will focus on improving the refinancing service of the bank of Vintage Building Society. Modified service blueprint of the bank of Vintage Building Society is discussed below: Step 1: Loan Application Customer complaints have helped to recognize that the loan application process is a complicated method. In order to enhance the efficiency of the loan application process and making it simple for the customers following points must be considered. Loan officers must be trained in giving advice regarding the availability of various refinancing options to its customers. Each loan officer must be responsible for dealing with certain number of customers. No other loan officer will be allowed to cater the same customer. A precise and relevant form must be sent to the applicant asking for the required documents for further proceedings. The customer must sign and fill all the necessary fields and submit all the documents for credit check. As soon as the loan officer receives the all the documents and consent from the customer, it must be immediately sent to the loan processing department. Introduction of e-application will helps in simplifying the procedure (Al-Sakran, 2012). Thus the loan application procedure will be less complicated and less time-consuming. In this process, the customers need not to get disturbed several times asking for the information from different loan officers. The organized work structure will help in enhancing the efficiency of the entire refinancing process of the bank o Vintage building Society. Step 2: Loan Processing The loan processing is an important step of the refinancing process. The customers have complained that the refinancing process is very lengthy while compared to other financial institutions. Moreover, it was found that the duplication of work has consumed a lot of time and wasted the money of customer as well as bank. In order to improve the loan processing system in Vintage Building Society the following modifications are recommended: Each loan processing officer must be responsible for processing refinancing application of certain number of customers. No other loan processing officer will deal with that customer file. Employment verification, credit check, verification of the mortgage in case it is issued in other institution must be done simultaneously. The responsibility for the different jobs and verification process must be delegated to the concerned department or individual. Hence, all the activities will occur simultaneously and the credit and verification report can be presented soon. Unnecessary activities must be reduced. If the bank has access to tax returns of the customer, valuation of the property is irrelevant. Hence, bank can reduce its activities by accessing to the reliable sources of information. Thus, both time and money can be saved (Mahadevan, 2010). If any issue has been encountered by the loan processing officer, he can contact the loan officer immediately for clarifying the issue. The loan processing officer must approach the loan officer who had previously dealt with the file and the customer. As the loan officer has an idea about that specific case, the issue can be easily resolved with the assistance of the concerned loan officer. After successful completion of the verification process, the loan processing officer must send the file to loan officer or the societys board for approval. This process will help in cutting down the unnecessary activities of the loan processing department. Proper delegation of job roles will help in performing the job role efficiently (Kumar and Suresh, 2009). This process will require less time and save money of bank as well as the customer. Step 3: Loan Closing Once the verification report is received by the loan processing officer, it is set to the loan officer or to the societys board for approval. If the refinancing application is approved, the loan closing officer is responsible for communicating with the customer regarding the terms and conditions of the refinancing. He sends a formal letter explaining about the mortgage cost, conditions attached with relevant documents (Schneider, 2003). If the customer agrees upon the terms and conditions, he must send them back signing on the required documents for finalizing the loan. In this step, the following modifications are necessary: The loan closing officer must send a letter where detailed information of the terms and conditions will be provided. The letter must be composed in lucid language and he must clarify each point when the customer finds difficulty in comprehending any clause (Slack, Chambers and Johnston, 2001). The final loan amount and the payment amount must be calculated by the loan closing officer an immediately communicated to the customer through e-mail. In this phase, the customer must not be made bothered by asking about the same information which has already been collected during the loan application. Loan closing officer must efficiently arrange settlement between the solicitor of the customer and the other mortgage holder. It must not take long time (Mckinsey.com, 2014). Thus in this step, the settlement is done smoothly and the terms and conditions are clearly communicated to the loan applicant. Step 4: New Account Establishment Once the refinancing is finalized, the loan-servicing specialist will generate a new account for arranging settlement cheques. This must be an instant process and all the documents of the new account must be immediately handed over to the customer. The loan servicing specialist must ensure the customer formally about the proper set up of the new loan (Brennan, 2011). Step 5: Loan Payment Setup This stage is basically associated with the regular collection of the repayment of the mortgage. Some complaints have been lodged by the customers regarding the repayment of loan. The following recommendations must be considered for improving the last stage of the refinancing process of Vintage Building Society: An automated system must be developed for withdrawing the mortgage repayment from the account. All the automated transactions must be recorded immediately (Patr'icio, Fisk and e Cunha, 2008). The loan-payment specialist must calculate the exact amount of monthly payment. The loan payment specialist should regularly monitor the payment of mortgage loans. Late payments must be identified and required steps must be taken by the loan payment department. The customers must not be disturbed if he has opted for an automatic withdrawal system. The loan payment specialist must make sure that the payment is due before communicating with the customer regarding the overdue. Automated repayment system will helps in reducing paper work and waste of time. Thus the modified refinancing system will assist in delivering better customer service without wasting time and money (Gaither and Frazier, 2002). The service blueprint of the refinancing process at the bank of Vintage building Society is outlined below: Service blueprint of the refinancing process at the bank of Vintage building Society SERVICE BLUEPRINT OF THE REFINANCING PROCESS AT THE BANK OF VINTAGE BUILDING SOCIETY Conclusion This report has examined the existing refinancing process of the bank of Vintage Building Society. The major reason for adopting the five-staged process is to handle the increasing number of refinancing application efficiently. The five staged process has focused on establishment of different departments for undertaking different activities. Experienced and expert personnel were appointed for handling the refinancing process. However, some flaws are identified from the customer complaints. It has been found that ineffective delegation of works had leaded a lengthy as well as complicated refinancing process. In this report the principle limitations of the refinancing process have been recognized and discussed. Complicated application procedure, extensively time consuming loan processing method, improper delegation of job responsibilities, erroneous loan payment setup etc has leaded to increasing number of customer complaints. Some suggestions have been made for improving the refinanci ng process with the aid of new service blueprint. For each step, necessary modifications are discussed and effectiveness of those modifications has been outlined. References Al-Sakran, H. (2012). 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