Killing Lincoln By Bill O Reilly - 1558 Words

In the book, Killing Lincoln, author Bill O’Reilly portrayed John Wilkes Booth as an obsessed assassin who recruited various conspirators. He described the events leading to President Lincoln’s murder and the hunt to capture Booth and his cohorts. Killing Lincoln is comprehensible to anyone as young as a middle schooler, although it would be best suited for an older reader with an interest in history and politics. Killing Lincoln could also be appealing to those intrigued by conspiracy plots and criminal motives. O’Reilly constructed an action packed thriller of patriotism and war to keep the reader engaged. As an admirer of Lincoln, O’Reilly shares similar conservative views in politics and religion. O’Reilly was a New Yorker born and raised, who attended private schools and went on to earn a Bachelor of Arts in history at Marist College, a masters in broadcasting journalism at Boston University, and a masters of public administration at Harvard University. He has been a history teacher, a newspaper columnist, and is currently a highly successful political commentator with his own show â€Å"The O’Reilly Factor†. In spite of his extensive background in history, when researching this subject, O’Reilly discovered more controversy than expected, as there are many conspiracy theories surrounding Lincoln’s assassination. He revealed the layers of proven and alleged conspiracies for the reader. Today’s ongoing debates of the facts played a part in O’Reilly’s decision to write thisShow MoreRelatedKilling Lincoln By Bill O Reilly1 789 Words   |  8 PagesIn 2011, Bill O’Reilly wrote Killing Lincoln. In this book he explains how the assassination of Abraham Lincoln took place and groundbreaking affects it had on the war and the country. O’Reilly had many reasons for the purpose in writing this book. He says he thought he knew what happened with the assassination and the effects it had on the country. I believe O’Reilly was truly intrigued once he started researching how the plot was planned and so forth. O’Reilly states that the plan itself hadRead MoreKilling Lincoln By Bill O Reilly And Martin Dugard1609 Words   |  7 PagesKilling Lincoln by Bill O Reilly and Martin Dugard is a book that captures the days leading up to and surrounding President Abraham Lincoln’s death. The purpose of this book is to give the reader insight about anything relating to President Abraham Lincoln in his final days. Bill O’Reilly hosts his own news television show called â€Å"The O’Reilly Factor† which is aired on the Fox News Channel where he talks about political issues. He has written many other books with Dugard like Killing Kenn edy: TheRead MoreAnalysis Of Bill O Reilly s Killing Lincoln Essay2636 Words   |  11 PagesBill O’Reilly’s and Martin Dugard’s book Killing Lincoln delves into the events leading up to the assassination of President Abraham Lincoln and the repercussions upon the people involved, as well as a detailed analysis of the ongoing war efforts and the affects one has upon the other. While unraveling the conspiracy and its members, the reader is given compelling evidence and speculative reasoning that leads the reader to believe that the plot to assassinate Lincoln involves additional people, andRead MoreKilling Kennedy: The End of Camelot1606 Words   |  6 Pages Killing Kennedy: The End of Camelot The authors Dugard Reilly make the point that 8 percent of Americans actually have this belief that Lee Harvey Oswald is the man that had something to do with the death of Abraham Lincoln. However, the authors in this book want the reader to know that is considered to be one explanation for Killing Kennedy, which happens to be the current book written by authors Bill OReilly and Martin Dugard. They clearly wanted to turn a presidential murder into a humanRead MoreAbraham Lincoln, The Sixteenth President Of The United1813 Words   |  8 PagesAbraham Lincoln, the sixteenth President of the United States, was assassinated on April 14, 1865 by a man named John Wilkes Booth. Many details from that night are well-known today such as the place and time, but not the motive behind it. One thing that is known for sure is that this particular event is now noted throughout American history as a major event. Many conspiracies have been made on Booth s original intentions behind his utter hatred and later the murder of the President. An accusationRead MoreLincoln Is A Great Talented Man1716 Words   |  7 PagesLincoln is a great talented man. He has many views behind his name. However, there is a book called, â€Å"Killing Lincoln† that explains his assassination. The assassination has changed American forever. The book was released on September 27, 2011. The authors of the book were Bill O’ Reily and Martin Dugard at that time. Meanwhile, this is going to be a brief summary to the follow up of his assassination. First, this book explains many battles and plans to regards of the Civil War. The Civil WarRead MoreThe O Reilly Factor Essay2117 Words   |  9 PagesBill O’ Reilly is the host of the critically acclaimed â€Å"The O’Reilly Factor†. The O’Reilly Factor is a show that airs every weekday night at 7 P.M. that mainly focuses on covering political news. It airs on Fox News which is mainly a right wing, conservative network. O’Reilly, himself is a conservative and is known for bashing President Obama on the way he leads our country. He has been on air for over 30 years and has even won an Emmy for â€Å"The O’Reilly Factor†. Killing Lincoln is a timeline leadingRead MoreKilling Lincoln : The Shocking Assassination That Changed America Forever Essay1761 Words   |  8 PagesBill O’Reilly and Martin Dugard write Killing Lincoln: The Shocking Assassination That Changed America Forever , a book about the assassination of President Abraham Lincoln and the events leading up to the assassination. The purpose of the book is to strategically break down the days and events leading up to the death of Abraham Lincoln and provoke thoughts in the minds of the readers. The authors want to uncover proven and alleged conspiracy theories. Bill O’Reilly writes a plethora of other booksRead MoreThe Assassination of President Lincoln Essay1276 Words   |  6 PagesAssassination of President Lincoln The assassination of President Lincoln was so tragic because both Abraham Lincoln and John Wilkes Booth both believed they were doing the right thing. Abraham Lincoln wanted freedom for all because he believed that was right. He knew not everyone agreed and that was why America was having a Civil War but he felt that it was the right thing to do. John Wilkes Booth believed that there should be slaves in the south and did not agree with President Lincoln at all. He believedRead MoreAnalysis Of Killing Patton By Bill O Reilly1592 Words   |  7 Pageswill probably never be seen again. Her full strength was finally unleashed and the world saw her full might. This strength was displayed on the battlefields behind one of World War â… ¡Ã¢â‚¬â„¢s most audacious generals: General George S. Patton. Bill O’Reilly’s book Killing Patton is a story of a famous American general’s role in latter parts of World War â… ¡. Patton was in charge of America’s Third Army and was highly by the Allies and Hitler himself. His passion for war and aggressiveness on the battlefield

Essay about P1 Public Health Strategies in the Uk and...

P1 Public Health Strategies in the UK and their origins. In this article I am going to describe the key features of public health strategies as they relate to current times in the UK. -Monitoring the health status of the population. This strategy involves keeping track of people’s health/keeping an eye on everyone though statics. By tracking changes in the health of the population health professionals are able to alert people to potential problems, for example regular check-ups, at doctors for asthma or Dentist to check up on teeth and make sure they are in good condition plus Orthodontic. Also the NHS provide a free midlife MOT to check people aged between 40-74, to make sure they are in good health and†¦show more content†¦-Developing programmes to reduce risk and screen for disease early on. This means attempting to reduce the levels of ill health, by introducing new programmes which identify people as being at risk of a condition and engaging them with preventative programmes. For example a programme that the government and the NHS do is to get people tested for HIV and provide them treatment. For people who don’t have HIV they can be given a free vaccinations, so they don’t get affected by the disease. Also another example is a doctor identifying someone with diabetes because of their obesity, which then they referrer you to a weight management programme for support in losing weight and sending you to a gym with others in the same programme. There are also adverts like Stoptober to help stop people smoking. -Controlling communicable disease. This strategy involves trying to prevent diseases and to stop them from spreading and being passed on though the community, for example HIV can be controlled by tracking the number of people affected, the government can provide subsidised drugs to people with HIV . Also there is food hygiene measures in restaurants and take away’s to control the spread of food poisoning, for example signs up around the kitchen in food places, and there should be labels with names of what the food is/ingredients on packages, and best before date so you know to chuck it away if it’s out of date. For measles and mumps and rubella,Show MoreRelatedPublic Health P1. P21160 Words   |  5 PagesPublic Health - Unit 12 - Petra P1 Public health is the science and art of preventing disease, prolonging life and promoting health through the organized efforts and informed choices of society, organizations, public and private, communities and individuals (1920, C.E.A. Winslow). This therefore infers public health is the preventing and controlling of disease within communities, to prolong life and promote health through organised society. The keys aspects of public health †¦ -Monitoring theRead Moreunit 12 public health p1 and p24606 Words   |  19 PagesP1 Meaning of Public Health: Public health is concerned with improving the health of population, rather than treating the diseases of individual patients. If a condition has been discovered -they want to make sure they live longer by promoting and preventing diseases and complications. Public health is everyone around you and the involvement of the community. If public health is really effective then it will also help the NHS save money. Monitoring the health status of the community: WhenRead MoreHealth and Social Care- Public Health P1, P22501 Words   |  11 PagesP2: Describe the Origins of Public Health Policy in the UK from the 19th Century to the Present Day. 1837- The law started registering births, marriages and deaths and began to notice differences in areas. This was because of diseases going round and many people were dying. They wanted to figure out where about the illnesses were most common. 1848- The Liberal government brought the Public Health Act into law. 1849- Unfortunately, a massive amount of 10,000 people died from the disease choleraRead More5BIC 4125 Words   |  17 Pagesthe paper will examine the role of HR in the business and environmental planning and the importance of obtaining and analyzing relevant data. It will also examine the importance of evaluating strategies. Section 1 The HRM of today’s contemporary business world is very different from its grass roots origins of the early 19th century welfare officers. The field has accelerated and progressed through the modernity of industry and the conflict of nations to the role of todays HRM - From the secularRead MoreUnit 39: Investigating International Business P5: Understand the Strategies Used by International Businesses3481 Words   |  14 Pagesinternational business P5: understand the strategies used by international businesses page: 14 Introduction Unit 39 is all about investigating international business. This P is the final assignment. My suggestions are approved by the financial department as well as by the board of directors. My senior made me in charge of the strategy. The next step to take before entering Australia is to construct a strategy about how this will take place. InRead MoreEdexcel Igcse Economics Answer49663 Words   |  199 PagesIn this case, there has been a fall in the price of digital cameras since they were first introduced. As a result demand has increased. This would be shown by a movement down the demand curve from A to B in the diagram. The price has fallen from p1 to p2 and the quantity bought has increased from q1 to q2. Other factors also influence the demand for cameras. However, their affect is to shift the demand curve. For example, an increase in the amount spent on advertising digital cameras willRead MoreNatural Law Theory Essay6453 Words   |  26 Pagesapproaches taken towards questioning the validity or justification of the doctrine. Finally, to explore cultural, religious as well as gender differences which interact making human rights difficult if not problematic to universally enforce. Historical Origins and development and creation of the theory and practice The roots of human rights doctrine can be traced back to the times of Aristotle and Stoics. In his ‘Nicomachean Ethics’ Aristotle creates the basis for the existence of a natural moral orderRead MoreImpact of Emerging Markets on Marketing15122 Words   |  61 Pagesdifferential advantage. To accommodate these characteristics, we must rethink the marketing perspective (e.g., from differential advantage to market aggregation and standardization) and the core guiding strategy concepts (e.g., from market orientation to market development). Similarly, we must rethink issues of public policy (e.g., from compliance and crisis driven to purpose driven) and the marketing practice (e.g., from glocalization to fusion marketing). Keywords: emerging markets, affordability, sustainabilityRead MorePublic Health Paper12265 Words   |  50 PagesFrom past to present; the changing focus of public health by Maria Joyce Key sections include: Environment, infectious disease, locating public health, the enlightenment, the Sanitarians, national provision of services, the inception of the National Health Service, ‘crisis in health’, The New Right, The Third Way, new public health. Public health, the new ideology may be taken to mean the promotion of healthy lifestyles linked to behaviour and individual responsibility supported by governmentRead MoreMerger and Acquisition: Current Issues115629 Words   |  463 PagesISBN-10: 0-230-55379-6 This book is printed on paper suitable for recycling and made from fully managed and sustained forest sources. Logging, pulping and manufacturing processes are expected to conform to the environmental regulations of the country of origin. A catalogue record for this book is available from the British Library. Library of Congress Cataloging-in-Publication Data Mergers and acquisitions : current issues / edited by Greg N. Gregoriou and Karyn L. Neuhauser. p. cm. Includes index. ISBN

Mind games a reaction Free Essays

Motion Perception into Our World that is Always in Action by: Allayed C. Marital Discussing about your brain and how it reacts to motion in order to make decisions is the main idea tackled in the â€Å"Brain Games: Motion Commotion† episode. Brain Games is a television series that explores the components of the human brain. We will write a custom essay sample on Mind games a reaction or any similar topic only for you Order Now Through the use of social experiments and interactive showmanship, this show encourages the viewers to participate in the said brain games, in which they’ll be able to unravel the main points presented by each episode. In the mentioned episode, it stated that you are in a world that is constantly moving, the human brain had to develop a pretty sophisticated sense of motion in order to survive and that is apparent motion wherein we see a series of still images that are strung together very quickly and our brain perceives this as motion. Various experiments are done for the viewers to have an easy understanding of the factors connected to the topic, movement perception of the brain. The initial experiment is to observe an Auto Kinetic image wherein our rain is tricked into seeing motion – even though there isn’t any. Our visual cortex is the one who is responsible for this, we tend to think that It is the picture that’s doing the trick but actually we are the one who’s doing It because our visual cortex Is designed to detect and see motion whether we like It or not. In the proceeding experiments I learned that we humans having evolved as visual animals are all hard- wired to notice and be captivated by motion this Is what the scientists call the brain’s Orienting Response in which we feel compelled to look at anything that moves within our field of vision. Our peripheral vision Is much more sensitive to motion than the rest of our eye this Is exhibited through the coin shoulder trick. I suppose that the latter part of the episode became more dragging as It exposed the viewers Into more astounding experiments In which It appeared that sound can really change the motion we perceive– because motion Is ambiguous. Moreover, It Is not always what we see or what we hear but sometimes It Is also what we feel or what we predict to feel. So I find out that motion can really be deceptive at many times. I believe that our brain and our eyes are always playing a trick on us thus making our body feel that It Is In motion even though we are Just sitting still and this Is the so-called vector wherein It Is not only our eyes that perceive motion but also our body?†vector† perception of self motion Induced by visual stimuli. The episode was ended by the answer on the question stated on the Introduction of the show on about how can we travel thousands of kilometers while we are Just sitting and It Is very enthralling to covers that we are traveling 1,600 kilometers per minute because we are accustomed to the Earth’s constant motion. The episode didn’t finish with Just nothing, It answered many deceptive questions. And left the viewers with bunch of new learning and wondrous discoveries about our constantly moving world and how we evolved and coped with It. It Is amazing how our brain works and how It develops together with the Innovating world. Motion will always be a part of our lives which means our brain process In perceiving motion will always continue to develop and Interpret things around us. He one who is responsible for this, we tend to think that it is the picture that’s doing the trick but actually we are the one who’s doing it because our visual cortex is designed to detect and see motion whether we like it or not. In the proceeding wired to notice and be captivated by motion this is what the scientists call the brain’s our field of vision. Our peripheral vision is much more sensitive to motion than the rest of our eye this is exhibited through the coin shoulder trick. I suppose that the tater part of the episode became more dragging as it exposed the viewers into more astounding experiments in which it appeared that sound can really change the motion we perceive– because motion is ambiguous. Moreover, it is not always what we see or what we hear but sometimes it is also what we feel or what we predict to brain and our eyes are always playing a trick on us thus making our body feel that it is in motion even though we are Just sitting still and this is the so-called eviction wherein it is not only our eyes that perceive motion but also our reception of self motion induced by visual stimuli. The episode was ended by the answer on the question stated on the introduction of the show on about how can we travel thousands of kilometers while we are Just sitting and it is very enthralling to nothing, it answered many deceptive questions. And left the viewers with bunch of we evolved and coped with it. It is amazing how our brain works and how it develops together with the innovating world. Motion will always be a part of our lives which means our brain process in perceiving motion will always continue to develop and interpret things around us. How to cite Mind games a reaction, Papers

Interaction between the Respiratory System and Cardiovascular System

Question: Briefly describe the importance of the interaction between the respiratory and cardiovascular systems in maintaining the body's internal balance? Answer: The respiratory system and the cardiovascular system are the two major system of a human body. Both of these organs are interlinked with each other in very delicate manner. They can together keep the proper body functioning by transporting the oxygen to different organs. a huge number of organ in the body consisting diaphragm and lungs work together to finish the activity of respiration or the exchange of oxygen and carbon dioxide. The Air provides the oxygen which is an important element for human life. No human being can be stayed alive without the oxygen. All the human tissues, organ and all the human body parts required oxygen. So no human can stay alive without inhaling the oxygen from the nature. This is the reason for which we need extra oxygen supplementaries when a human being went to any place where there is no oxygen or scarcity of oxygen (Biggs 2012). The air which we inhale from the environment is pulled into a small saclike structure which is recognised as alveoli. This saclike structure is present in the lungs and they are vascular which indicates the fact that they have the linked with circulatory system (Campbell and Reece, 2005). The procedure continues to transport blood with rich of oxygen and blood with enriched of carbon dioxide. The alveoli did this action. In this way bad air is drop off in lungs and the oxygen is picked up (Raven and Johnson, 2002). The bloods hold this newly obtained oxygen to the way to heart by the use ofpulmonary vein, while it ultimately will travel all the way through the body. The heart pumped the blood to the whole body. That blood contains both oxygen and carbon dioxide. The veins correctly reach the bloods to their respective places. The pumping system must followed by the filtering system by the lungs and the respiratory system. The connection among the respiratory organism and cardiovascular organism is still obvious in the identification calledcardiovascular.Cardioonly indicates to the heart as well as lungs, andvasculatureindicates to the set of connections of blood vessels which are found in the human body. In concert, these stipulations precisely explain the purpose of this organism (Solomon, Berg and Martin, 2002). Both of these organisms are related in a straight line. An instance of this relation would be found for the duration of physical exercise, at that time bodily stress are considerably superior to usual times. In direct to assemble these demands, the heart has pump supplementary quantity of oxygen rich blood in the whole body of that man; on the other hand, it needs more oxygen to completed this action. The respiratory system accomplishes this need for additional oxygen by growing efficiency itself. This rule also proves true for the duration of reduced needs and all other situation in between this procedure. This two important system of the body are working together to run the body smoothly. If one of these organs fails the other organ also fails to act its part because of this interrelation. References Biggs, Alton 2012BiologyColumbus, OH: McGraw-Hill Education Campbell, Neil A Reece, Jane B 2005BiologySan Francisco: Pearson, Benjamin Cummings Raven, Peter H Johnson, George B 2002BiologyBoston: McGraw-Hill Solomon, Eldra Pearl; Berg, Linda R Martin, Diana W 2002Biology[Pacific Grove, CA]: Brooks/Cole Thomson Learning

Negotiation Integrative Negotiation free essay sample

As much as you have to figure the person’s personality your own attitude toward him, you also need to consider the negotiation basics, strategies, process. You should know them all by heart you have to be aware of that particular circumstance. It means, you need to comprehend the situation utilize the right strategies. Now, after we talk about negotiation, we are going to move forward to the concept of effective negotiation. Effective negotiation will happen when the outcome is winning for all including separating the people from the problem, focusing on mutual interest, inventing options for mutual gain, and using objective criteria.In order to have much more comprehensive perception toward this term, we are about to define some important terms: 1. Mythical Fixed Pie mind-set: There are two various situations, Win-lose situation win-win situation. On win-lose, as the name stands, one party will win while the other will not while in win-win situation both parties will gain benefits. We will write a custom essay sample on Negotiation Integrative Negotiation or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The mythical fixed pie mindset is a situation in which one party will paralyze its host into a rigid mindset, blurring the host’s vision into a fixed stare where the other party can see nothing more than what sits on the negotiation table.It is one of the most destructive assumptions we can bring to negotiations since it is based on the fact that the pie of resources is fixed. The mythical fixed pie mindset leads us to interpret most competitive situations as purely win-lose, for those who recognize opportunities to grow the pie of value through mutually beneficial tradeoffs between issues, situations can become win-win. Many agreements fail to materialize because of this limited vision. 2. Distributive Negotiation:The term â€Å"distributive negotiation† can refer to a deal in, which we are negotiating over a single issue, price, and in conflict over how much the person would pay and how much he would get . In other words, a distributive negotiation type or process th at normally entails a single issue to be negotiated. In distributive negotiations, parties assume a fixed pie of resources negotiate about how to cut up the pie (distribute resources) or claim value. As an instance, I can illustrate an example in Iran‘s market.If you want to buy a good in Tehran, say a pair of jeans, as you are walking through the shopping mall, you have to consider the element of bargaining. While you are deciding on the style color, you have to make up your negotiation plan as well too. The strategy is that as you hear the offer, $40, you should make an offer about $20 try to stick to it. The seller will suggest $35 while you say $25 . Finally; you can purchase it at $30. 3. Integrative Negotiation Integrative negotiation concerns how the negotiators expand the pie of resources or create value in negotiations.They typically do so by identifying more than one single issue, so that issues can be traded off. There are many opportunities for integrative negotiations throughout global negotiations if negotiators are motivated enough and the strategy to transform single issues into multiple issues and make trade-offs. As an instance, back home in Iran, my mother needed to make a dress for my cousin’s wedding ceremony two years ago. We visited various shops with the hopes of finding the suitable material. After we spent huge amount of time on window-shopping, we finally found a store that had the proper cloth. We needed 3 meters of that special cloth to make the right size. The shopkeeper refused to sell us all 3 meters left holding the reason that he will not have any sample left. As we were caught up in a predicament, we made an integrative negotiation. He agreed to sell us all 3 meters if we bring him back some leftover from the tailor, which can be used as a sample in his shop. The result was that we had the dress he had the sample. 4. The impact of framing on Negotiation: In order to investigate the effects of framing on negotiation, it is better to provide a brief definition of framing at the beginning. The use of framing dates back to the time of Aristotle when he used framing very effectively to portray murdering villains. Framing means to process and organize information, which provides a perspective of the problems or issues for a decision maker. It is normally used to understand the importance of facts or issues in relation to each other to determine possible outcomes and consider contingency actions to solve a problem. We often use framing when we develop a rationale why we should do something or acquire a certain product or service. There are some positive points that framing will bring to a negotiation: 1.A frame offers perspective by managing the alignment of the observer in relation to an issue. 2. A frame directs the observer to focus on a feature of an issue within the frame and to disregard other features of the same issue, which fall outside this frame. 3. A frame influences subsequent judgment in that it organizes and tailors information to fit into it. It therefore not only contains, but also constrains. Overall, using a framework can allow you to consider all potential gains and losses and available options for any situation. 5. BATNA: This negation term BATNA is an acronym, which stands for Best Alternative To a Negotiated Agreement. Fisher and Ury coined this term it was recognized as one of the main sources in negotiation. It is basically what you are going to do if you do not reach an agreement. Your BATNA is your best option outside the current negotiation. Imagine that you are negotiating a deal; your BATNA is an alternative buyer or seller. Your BATNA is your source of power because the better your BATNA, the more you can demand from the other party in the negotiation. They are critical to negotiation because you cannot make a wise decision about whether to accept a negotiated agreement unless you know what your alternatives are.The BATNA is the only standard that can protect you both from accepting terms that are too unfavorable and from rejecting terms, it would be in your interest to accept. In the simplest terms, if the proposed agreement is better than your BATNA, then you should accept it. If the agreement is not better than your BATNA, then you should reopen negotiations. If you are not able to improve the agreement, then you should at least consider withdrawing from the negotiations and pursuing your alternative considering the costs as well. It is of crucial importance to improve your BATNA whenever it is possible.Good negotiators know when their opponent is desperate for an agreement. When that takes place, they will demand much more, knowing their opponent will have to give in. If the opponent apparently has many options outside of negotiation, however, they are likely to get many more concessions, in an effort to keep them at the negotiating table. The last but not the least to mention would be the fact that if you make your BATNA as strong as possible before negotiating, you will definitely strengthen your negotiation. 6. ZOPA ZOPA is an acronym, which refers to Zone of Possible Agreement.It is the range or area in which an agreement is satisfactory to both parties involved in the negotiation process. Another term is Contracting Zone†. ZOPA is essentially the range between each parties real base or bottom lines, and is the overlap area in the low and high range that each party is willing to pay or find acceptable in a negotiation. . The process in finding this zone requires a little bit of detective work in order to make it work. It begins with a proposal by a person, commercial entity, or organization known as a Proponent.Essentially, this person puts an offer on the table. The receiving end of a proposal is known as a Prospect. This is the person or entity who considers the merits of the offer or proposal. The prospect will accept the proposal, make a counter proposal, offer, or outright reject it. This is where the game begins to get seriously fun. The proponent is trying to sell us something. This can be a product, a business idea, services, an organizational concept, or a combination of these things. The proponent is more commonly called the seller.The prospect, on the other hand, is  more commonly called the buyer. The seller wants to get the maximum amount possible for their proposal, but generally may also set a limit for the least amount they will accept. The least amount they are willing to accept is known as the sellers Reservation Price. This is the amount where they draw the line;  also know as the walk away from the deal point. The buyer, on the other hand, wants to pay the least amount possible, but may consider a higher amount that they  might be prepared to pay as well.The maximum amount they are prepared to pay is also known as the buyers Reservation Price or walk away from the deal point. The differences between these respective lows and highs of both the seller and buyer are their range of expectations. When you have a common ground or overlap between these two different ranges, this is known as ZOPA or the Zone of Possible Agreement. The ideal piece of information would be  the other partys reservation price. It is believed, that you should never reveal your own reservation price. The real trick is trying to find that sweet range of ZOPA. . Bargaining Range: Before I get to this concept, I will provide you with a brief review of bargaining. The term â€Å"bargaining† can be defined as a means of reaching agreement or settlement through give and take, often synonymous with negotiation. It normally refers to business contexts, usually involving money, and negotiation refers to all other contexts.

Cars of today compared to cars of the 1970s essays

Cars of today compared to cars of the 1970's essays CARS OF TODAY COMPARED TO THOSE OF THE 1970S New cars are completely different than the cars that came off the production line during the 1970s. First , 1970s model cars were very large in size and newer model cars are relatively small. Second , those big old cars had to have bigger and stronger motors to make them efficient while driving and newer cars concentrate on smaller motors for better gas mileage. Last , while 1970s cars had very few extras (such as power steering , anti-lock brakes , power windows and locks) but they were more The enormous cars of thirty years ago were large inside and out and were built for large families. The cars were built to have a lot of interior space and were built large on outside for a comfortable and controllable driving experience. Meanwhile todays cars are on average 75 cubic inches smaller on the interior and considerably smaller on the outside. The new cars are just as comfortable and controllable as the 1970s due to better technology and design. They also are built out of strong but light weight materials Since the new cars are smaller and lighter than the older ones they dont need as much power from their motors. Newer cars generally have smaller less powerful engines such as a V-6 or 4-cylinders . Since the 1970 model cars were big and heavy they had to Page Two have bigger engines . The big old tanks of the 1970s usually had the larger motors like a V-8. They were very powerful but very costly for operation because of the poor fuel efficiency. Because of poor technology in the 1970s , the manufactories had to over ...

The Awakening by choplin and how women were treated in the Victorian Research Paper

The Awakening by choplin and how women were treated in the Victorian era - Research Paper Example The Victorian era can be taken as a good example of the past discrepancies that existed between the wealth of the nation, the national authority of England and its social conditions. Once one peruses the books of history, a significant amount of information can be deciphered concerning this period. One of these that best exemplify the daily life at that era is the book by Kate Chopin. Though not based in England, it gives an impression of the norms at that era; this, the author achieved by the use of the lead character, Edna Pontellier. Women were regarded differently in accordance to their social status. However, they had little overall control and rights in society. They lived in a culture that embraced women as beings of the home. Evaluation The novel by Kate Chopin endeavors to elucidate on the situation of women in the Victorian era. Throughout the novel, a number of themes are presented across that boost the author’s intention of showing the existence of male dominance, or simply depict a male favored culture (Armstrong, p. 5). The title of the novel refers to the rebirth of the main character into her true self. The Awakening contains a considerable amount of information about the nature of gender based relationships present in the Victorian era. ... Whenever this was not the case, society frowned upon the concerned women, as was the fact in Edna Pontellier’s case. Edna yearned for freedom, so as to act and do as she pleased. She yearned for artistic, sexual and monetary freedom. This, however, was not allowed in her culture at that time. This fact can best be exemplified by her choice of going out on a Tuesday rather than entertaining guests at her house (Chopin, p.51). The Victorian era was a time that had adopted a chocking and moralistic garb. The Awakening portrays marriage to have been a significant barrier to happiness, self awareness and individual fulfillment. Typical marriages, at the time, adopted a Tarzan and Jane perspective (Adams et al 2004, p. 24). This is what the lead character of the novel sought to defy. Edna wanted more than what society deemed fair for her and women in general. She frequently thought of herself as being out of place when interacting with other women (Chopin and Karma, p. 35). Rather t han, be confined to the norms of her time, Edna adopted a unique sense of individualism. She concerned herself with fulfilling her own desires rather than concentrating on her home, children and husband. Edna embodied a sense of individualism that was nonexistent in the Victorian era, which was the ambition of a majority of women. Her individuality is illustrated in a number of cases in the novel. One of these instances is at the end of the novel when she refuses to marry Robert Lebrun, a man she adores for the sake of retaining her newly found freedom. This work by Kate Chopin embodies a century old question which takes precedent between the desires of the person or that of the public as a whole. The question takes the form of whether to conform to societal

Promotion Essay Example | Topics and Well Written Essays - 750 words

Promotion - Essay Example Concerning the placement of the advertisement, the Australian laws prohibit any kind of deception in an advertisement and the Advertisement Standards Bureau (ASB) is tasked with ensuring compliance. In addition, any advertisement viewed as untruthful or dishonest or one that deceitfully targets children is not allowed (ASB p.2). As for ‘Tastie’, no falsehood shall be witnessed because the ingredients shall be the ones placed on the advertisement cover. Secondly, it shall not feature any child to avoid misinterpretation. Instead, the tagline of â€Å"Australia’s best chocolate pop for all† shall be used to imply the suitability of the products across all age group. This advertisement will be placed on family magazines- Offspring and The Australian family to be precise reason being that these are very popular and the fact that the content printed is mainly family-related. Additionally, the major newspapers like Herald sun, Courier mail and the Daily telegraph shall also be used as platforms due to the high demand. For the TV, the advertisement will be aired on ABC due to the high viewership and this will happen during the night sport news. The importance of placing it at this time is to capitalize on the audience, which is quite high at this time. Concerning the budget, the ABC’s cost is around AUD$ 1000 for 30 seconds at the prime time. It will be placed 3 times a week. As for the newspaper, the will appear daily on the back pages to lower the cost while on the magazines will be once a month. In total, the budget is expected to be around AUD $ 4000 weekly and the projected sales from these advertisements are expected to bring in twice a s much. With internet having advanced a notch higher in this century, social networking sites shall play a significant role in popularizing this product. Firstly, in the Australian advertising laws, any product, which implies or encourages promotion, is regarded as

Adobe Frames Interface Essay Example | Topics and Well Written Essays - 3250 words

Adobe Frames Interface - Essay Example Executable files that can be played from a compact disc can also be created using Flash without the need for any additional software.Flash has the capability of capturing user input through the keyboard, mouse, camera or even the microphone.In order to use flash, one does not need to know any programming language even though flash itself contains a scripting language called ActionScript which is object-oriented and offers support for automation through JFL (JavaScript Flash Language). Overview of Action script ActionScript is an object-oriented scripting language which looks much more like JavaScript that is used by Flash to control objects within its movies. It’s based on ECMA-262 specification just like JavaScript. ActionScript enables interactive design in Flash by allowing execution of different actions within a movie (Waldron, 2006). It was initially referred to just as ‘actions’ and was introduced in Flash Player 4. It enabled simple interactivity in Flash a nd it was not as such a complicated language since its semantics and syntax was not anywhere close to ECMAScript. ECMAScript-based syntax was although later applied and thus ActionScript 1.0 was born and introduced in Flash Player 5. ActionScript evolved and its semantics tweaked with the release of Flash Player 6 and 7. In 2003, ActionScript 2.0 was introduced in Flex 1.0 and Flash MX 2004 but it could still work in Flash Player 6 and 7 since it was using an object model similar to that of ActionScript 1.0 (Waldron, 2006). In Flash Player 9, ActionScript 3.0 was introduced as result of a new ActionScript Virtual Machine (AVM2) which is now the main virtual machine for execution of ActionScript code although support for AVM1 is still provided in order to accommodate earlier versions of ActionScript. ActionScript 2.0 and ActionScript 3.0 ActionScript 2.0 was introduced in Flash MX 2004. Although it still utilized the same object model as ActionScript 1.0, it is well equipped for comp lex and larger applications. It adds some few new runtime capability and functionality by improving object-oriented programming in Flash through the introduction of syntax and semantics that is object-oriented. ActionScript 1.0 lacked an official vocabulary for the creation of objects and classes even though it was considered to be object-oriented. In ActionScript 1.0, prototypical objects were used as classes since there was no provision of class keyword for class creation and extend keyword for establishing inheritance which ActionScript 2.0 now provides thus making the language more familiar to those programmers with OOP backgrounds. ActionScript 2.0 has also made it possible for the creation of Java-like interfaces via the use of the interface statement. ActionScript 1.0 did not offer support for user interfaces. In ActionScript 1.0, the file extension for class files was .as which could be defined in in-line code or external files. ActionScript 2.0 now introduces a .class exten sion for class files and requires them to be defined in external class files. This enables editing class files in Flash MX professional 2004 editor or in any other external editor.

Differentiation Between Respiration and Breathing

Differentiation Between Respiration and Breathing Report: The differentiation between respiration and breathing and an explanation of the adaptation of the alveoli and their role in gas exchange. Introduction This report will explore the differences between respiration and breathing by defining their structures and functions and attaching a hand drawn diagram of the respiratory tract to refer to. The author will also give an explanation of how gasses are exchanged through the alveoli by providing a table explaining the composition of inhaled and exhaled air. A description of the adaptations of the alveoli will be provided to show how they maximise the effectiveness of gas exchange. A summary will then be drawn from the findings. Differences between respiration and breathing The Respiratory System (Appendix .1) The respiratory system consists of tissues and also organs that help with the process of breathing. The core parts of this important system are the airways, lungs, linked blood vessels, and also the muscles that allow breathing. Airways The airways are pipes that carry oxygen to the lungs. They also carry waste gas, such as carbon dioxide out of the lungs. The airways consists of; linked air passages in the nose, (called nasal cavities), the mouth, Larynx (voice box), the trachea (windpipe) and lastly tubes named bronchi or also known as bronchial tubes, and also their branches. Air moves into the body through the mouth and nose, which warms and also wets the air. (Dry cold air can irritate the lungs causing problems for asthma sufferers). The air then moves down the Larynx and through the trachea. The windpipe splits into two bronchial tubes, the ait moves through here and then enters the lungs (Remedy Health Media, 2015). A thin flap of tissue named the epiglottis, covers the windpipe when swallowing. This prevents both food and drink from entering the air passageways that lead to the lungs, if this failed to be successful an individual could die. With an exception of some parts of the nose and the mouth, all of the other airways have special hairs known as cilia that are coated with tacky/sticky mucus. These cilia trap foreign particles and germs that enter the airways when breathing in. These tiny, fine hairs then collect the particles up to the mouth or nose. From there, theyre swallowed, sneezed or coughed out. Nose hairs and mouth saliva also trap germs and particles. Lungs and Blood Vessels Remedy Health Media (2015), also suggest that linked blood vessels and also the lungs carry oxygen to the human body and also remove carbon dioxide. The lungs are situated on either side of the breastbone and fill the area of the chest cavity. The left hand lung is ever so slightly smaller than the right hand lung to allow room for the cardiac muscle (heart). In both lungs, the bronchi divide into thousands of thinner tubes known as bronchioles and these thin tubes end in bunches of tiny rounded air sacs known as alveoli. Each of the alveoli are covered with little blood vessels known as capillaries. The capillaries connect to a complex system of veins and arteries that transport blood through the whole body. The pulmonary artery including also its branches carry blood which is holding only carbon dioxide and no oxygen to the capillaries that surround the alveoli. Inside the alveoli, carbon dioxide transfers from the blood into the air. In conjunction with this, oxygen transfers from the air and into the blood within the capillaries. The blood which is now carrying the oxygen moves to the heart through the pulmonary vein and also its branches. The cardiac muscle pumps the blood holding the oxygen out to the body. The lungs are separated into five sections known as lobes. Some individuals have to have a diseased lung lobe removed, however they can still breathe sufficiently by using their remaining lung lobes. Muscles Used for Breathing Human Kinetics (2015), state that muscles situated near to the lungs help expand (loosen) and contract, (tighten) the lungs to allow breathing. These muscles comprise of the diaphragm, intercostal muscles, abdominal muscles and muscles in the neck and also collarbone area. The diaphragm is the main muscle for breathing and is dome-shaped and located beneath the lungs. It divides the chest cavity from the abdominal cavity. They also explain that the intercostal muscles are positioned between the ribs. They also play a huge part in helping with our breathing. Beneath the diaphragm are the abdominal muscles. They help with breathing out when we breathe fast (for example, during exercise). Muscles in the neck and also collarbone area help with inhalation when other muscles involved in breathing dont work as well as they should, or when lung disease impairs breathing capacity. Breathing Inhalation Hyper physics (2012), explain that during inhalation, the diaphragm contracts (tightens) and moves down which maximises the space in the chest, allowing room for the lungs to expand. The intercostal muscles situated in between the ribs also help to enlarge the chest. They contract to move the rib cage both up and out when inhaling. As the lungs capacity increases, air is drawn in through the mouth and nose. The air makes its way through the windpipe and enters the lungs. After making its way through the bronchial tubes, the air finally reaches and moves into the alveoli. Through the extremely thin walls of the alveoli, oxygen taken from the air moves to the capillaries. Haemoglobin, a red blood cell protein aids the movement of oxygen from the alveoli to the blood. In conjunction with this, carbon dioxide travels from the capillaries into the alveoli. The gas has travelled in the bloodstream from the right side of the heart through the pulmonary artery. Blood carrying oxygen from the lungs is carried through the capillaries to the pulmonary vein which delivers the oxygenated blood to the left side of the heart. The left side of the heart pumps the blood to the rest of the body. There, the oxygen in the blood moves from blood vessels into surrounding tissues (Hyper physics, 2012). Exhalation During the act exhalation, the diaphragm relaxes and moves up and into the chest cavity. The intercostal muscles which sit between the ribs also relax to decrease the space available within the chest cavity. As this available space in the chest cavity reduces, air rich in carbon dioxide is forced out of the lungs and then windpipe, and lastly out of the mouth or nose (Boundless Biology, 2015). Exhalation requires no effort unless lung disease is apparent or physical activity is taking place. During physically activity, the stomach muscles contract and force the diaphragm against the lungs more than usual which rapidly pushes air out of the lungs (Boundless Biology, 2015). The adaptations of the alveoli and their role in gas exchange Gas exchange An exchange of gases takes place within the alveoli, between the gases inside the alveoli and the blood. Blood that arrives in the alveoli has a greater carbon dioxide concentration which is produced during  respiration  by the body’s cells. However, the air in the alveoli has a much smaller concentration of carbon dioxide, resulting in a concentration gradient  which allows carbon dioxide to  diffuse  out of the blood and into the alveolar air (Intel, 2014). Also according to Intel (2014), blood arriving in the alveoli has a lower oxygen concentration (as it has been used for respiration by the body’s cells), while the air in the alveoli has a higher oxygen concentration. Therefore, oxygen moves into the blood by diffusion and combines with the  haemoglobin  in red blood cells to form the combined oxyhaemoglobin. This table taken from BBC (2014), shows the differences (estimated figures) in the composition of inhaled and exhaled air. Adaptations of the alveoli According to ABPI (2015), to maximise the effectiveness of gas exchange, the alveoli have numerous adaptations such as, they are folded, providing a much greater  surface area  for gas exchange to occur. Also the walls of the alveoli are only one cell thick which makes the exchange surface very thin shortening the diffusion distance across which gases have to move. Each alveolus is surrounded by blood  capillaries  which ensure a good blood supply. This is important as the blood is constantly taking oxygen away and bringing in more carbon dioxide, which helps to maintain the maximum concentration gradient between the blood and the air in the alveoli. Lastly each alveolus is  ventilated, removing waste carbon dioxide and replenishing oxygen levels in the alveolar air. This also helps to maintain the maximum concentration gradient between the blood and the air in the alveoli (ABPI, 2015). Summary This report has explored the differences between respiration and breathing by defining their structures and functions. The author has also give an explanation of how gasses are exchanged through the alveoli by providing a table explaining the composition of inhaled and exhaled air. A description of the adaptations of the alveoli has been provided to show how they maximise the effectiveness of gas exchange. Bibliography About. Com (2015) [Online] Available from: http://backandneck.about.com/od/breathing/a/breathingvencir_2.htm [Accessed: 5th May 2015]. BBC GCSE Bitesize (2014) [Online] Available from: http://www.bbc.co.uk/schools/gcsebitesize/pe/appliedanatomy/1_anatomy_respiratorysys_rev1.shtml [Accessed: 5th May 2015]. Boundless Biology (2015) [Online] Available from: https://www.boundless.com/biology/textbooks/boundless-biology-textbook/the-respiratory-system-39/breathing-221/the-mechanics-of-human-breathing-838-12083/ [Accessed: 5th May 2015]. Boyle, M, Indge, B and Senior, K. 1999. Human Biology. London: Harper Collins. Human Kinetics (2015) [Online] Available from: http://www.humankinetics.com/excerpts/excerpts/learn-the-anatomy-and-physiology-of-the-muscles-involved-in-breathing [Accessed: 5th May 2015]. Hyper Physics (2012) [Online] Available from: http://hyperphysics.phy-astr.gsu.edu/hbase/biology/respir.html [Accessed: 5th May 2015]. Intel Corporation (2014) [Online] Available from: http://inteleducationresources.intel.co.uk/content/KeyStage3/Biology/PC/LearningSteps/AOALC/LO_Template.swf [Accessed: 5th May 2015]. Joeseph, C. 2014. Anatomy. Ivy Press. Modelo Dynamic Views (2013) [Online] Available from: http://ibbiology2012.blogspot.co.uk/2012/11/describe-features-of-alveoli-that-adapt.html [Accessed: 5th May 2015]. Preserve Articles (2012) [Online] Available from: http://www.preservearticles.com/201101133233/difference-between-breathing-and-respiration.html [Accessed: 5th May 2015]. Remedy Health Media (2015) [Online] Available from: http://www.healthcommunities.com/pulmonology-anatomy/respiratory-tract-anatomy.shtml [Accessed: 5th May 2015]. Ricardo Espulgas (2015) [Online] Available from: http://www.sci-culture.com/advancedpoll/GCSE/differencebetweenbreathingandrespiration.htm [Accessed: 5th May 2015]. Roberts, A. 2014. Human Anatomy, The Definitive Visual Guide. Dorling Kindersley Limited. The association of the Pharmaceutical Industry ABPI (2015) [Online] Available from: http://www.abpischools.org.uk/page/modules/breathingandasthma/asthma4.cfm?coSiteNavigation_allTopic=1 [Accessed: 5th May 2015]. Wen MD (2005-2015) [Online] Available from: http://www.webmd.com/lung/pulmonary-vascular-disease [Accessed: 5th May 2015]. Dominique Rundle

Veitnam War :: War, History, Politics

  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Vietnam War   Ã‚  Ã‚  Ã‚  Ã‚   When most people hear the words Vietnam, what does it make them think about? The main answer most people come up with is death, or policing actions of the United States. The Vietnam War wasn’t about death it was about the French Colonial Rule of South Vietnam.   Ã‚  Ã‚  Ã‚  Ã‚  Ã¢â‚¬Å"The Vietnam War was the legacy of Frances failure to suppress nationalist forces in Indochina as it struggled to restore its colonial dominion after World War II.† This is the start of Vietnam War. This is also one way that America was brought into the conflict of Vietnam.   Ã‚  Ã‚  Ã‚  Ã‚  The war was further escalated by North Vietnam trying to go in South Vietnam and turn them into a communist nation. Then America was brought more deeply into Vietnam as a policing effort to stop communism. â€Å"Military leaders viewed the Vietnam War as the Chinese doctrine of revolutionary war in action, (using Chinese and Russian arms to boot.)†   Ã‚  Ã‚  Ã‚  Ã‚  The United States had a geopolitical aim, they were to try and contain the spread of communism. This is one of the main reasons for America to go to Vietnam, to help stop the spread of communism the â€Å"United States supported the anti-communist regime known as the Republic of Vietnam,† or South Vietnam. The United States was in Vietnam to stop the North Vietnam communism movement by means of the U.S. staring air raids in the country. â€Å" Despite the U.S. military aid, heavy bombing, the growing U.S. troop commitment, and some political stability in South Vietnam after the election, the two countries were still unable to defeat the Viet Cong and North Vietnam forces.

Costa Rican Dress

Costa Rican clothes are similar to most Central and South American countries. There clothes were developed by the Climate of Costa Rica. Costa Rica Clothing today is separated into two groups traditional cultural clothes and modern clothing. Costa Rican traditional dress is used for traditional practices. Most of the cultural dress has layers. This is because of the climate of Costa Rica. You never know when it is going to rain because of its varied climate. Traditional dress is only worn on special occasion such as when they dance. Both women and men have different style of traditional clothing. Usually the clothes are the colors of the Costa Rican flag which are red, blue , and white. Mens dress is very simple but elegant. Mens traditional costume usually have a few different things. The pants are a solid color which usually is blue or tan. They usually wear a white button down shirt. Then around the waist they wear a red cummerbund which is like a sash. Around the neck of the man they would wear a kerchief tied around it. Then on their head they would wear a â€Å"chonete† which is a traditional type of Costa Rican hat. A Chonete is like a straw cowboy hat. Usually men in Costa Rica will not really wear shorts on a day to day basis but only to the beach despite the tropical weather of Costa Rica. Today in the fields Men still wear the traditional dress. Women's traditional dress has a few important characteristics. The dresses are usually tailored in a special style. All traditional dresses have thick ruffles that start at the shoulders and go out all the way down the dress. The dresses have no sleeves to cover the arms. They are usually the colors red,blue,and yellow. Another type of Costa Rica dress has a long ruffled skirt. This is usually made in shinny colored fabric. A white shirt is usually worn and a red cummerbund connects the dress at the waist. To top off all these wonderful dresses a flower is usually placed in the ear of the women.

Sir Lancelot Du Lake Essays - Holy Grail, Knights Of The Round Table

Sir Lancelot Du Lake Essays - Holy Grail, Knights Of The Round Table Sir Lancelot Du Lake Sir Lancelot du Lake Sir Lancelot du Lake was quite possibly the bravest and most gallant knight in the world. His battles were pretty much lopsided, due to his extreme skill. He was King Arthur's best knight. He was very adventurous and prone to getting into trouble, which he always came out of without a scratch. Why was Lancelot honored so? In the last four paragraphs, I will try to explain this to my best ability. Why did I say he was Arthur's best knight? Sir Lancelot was sworn to protect Guenevere, King Arthur's wife. At no time at all was he ever over come, except by either treason or enchantment. His belief in himself was strong enough that he wouldn't let anyone but the king push him around. Those that tried to do the pushing usually wound up with their blood on Lancelot's sword. Another reason he was the best knight at the Table Round, was because he upheld the ideals of chivalry and the heroic tradition. He believed in being noble, and just. As I said, Lancelot was very adventurous, and never turned down an endeavor. While out one day, he took a nap, and woke to find his friend gone, and four queens looking upon him. This is one of the few times Lancelot did something against his will, and he did it only by enchantment. He was set free by King Bagdemagus' daughter, on a deal that he would help the King win the upcoming tournament. He helped win the tournament by killing alot of knights, or simply defeating them in battle. By doing this, he earned his freedom. There are many reason's why Lancelot was honored the way he was. Lancelot fought for King Arthur, til his banishment for his acts with the Queen. He remained loyal to Arthur, and came back, when Arthur was on his deathbed. He delievered Excaliber back to the lake from which it came, and conveyed a message of forgiveness and love to Guenevere, from Arthur. Lancelot was defeated in battle only by Arthur, and only once, for they only fought once. His name was known to everyone, as the best knight in all the land. Lancelot had proven himself worthy of his title of the bravest and most noble knight around, many times, and probably did, long after the stories had ended, if they are true. Lancelot has always been my favorite knight, since whatever year we did King Arthur in grade school. The topics I have gone over are as truthful as I can make them, and I hope they get me a good grade. As I hope the points I have expended upon further support my topic, I know that everyone knows Lancelot, wether they heard it from a cartoon, an English book, or a movie, and that everyone knows what a great and fearless knight he was.

Quotes from Metamorphosis by Franz Kafka

Quotes from Metamorphosis by Franz Kafka Metamorphosis is a famous novella by Franz Kafka. The work centers around a traveling salesman, Gregor Samsa who wakes up one morning to realize hes turned into a bug. The absurdist story was considered to be part of the Dada art movement. Metamorphosis Quotes When Gregor Samsa woke up one morning from unsettling dreams, he found himself changed in his bed into a monstrous vermin. He was lying on his back as hard as armor plate, and when he lifted his head a little, he saw his vaulted brown belly, sectioned by arch-shaped ribs, to whose dome the cover, about to slide off completely, could barely cling. His many legs, pitifully thin compared with the size of the rest of him, were waving helplessly before his eyes.- The Metamorphosis, Ch. 1 Why was only Gregor condemned to work for a firm where at the slightest omission they immediately suspected the worst? Were all employees louts without exception, wasnt there a single loyal, dedicated worker among them who, when he had not fully utilized a few hours of the morning for the firm, was driven half-mad by pangs of conscience and was actually unable to get out of bed? - The Metamorphosis, Ch. 1 And now he could see him, standing closest to the door, his hand pressed over his open mouth, slowly backing away as if repulsed by an invisible, unrelenting force. His mother - in spite of the managers presence she stood with her hair still unbraided from the night, sticking out in all directions - first looked at his father with her hands clasped, then took two steps towards Gregor, and sank down in the midst of her skirt spreading out around her, her face completely hidden on her breast. With a hostile expression, his father clenched his fist, as if to drive Gregor back into his room, then looked uncertainly around the living room, shielded his eyes with his hands, and sobbed with heaves of his powerful chest. - The Metamorphosis, Ch. 1 Those had been wonderful times, and they had never returned, at least not with the same glory, although later on Gregor earned enough money to meet the expenses of the entire family and actually did so. They had just gotten used to it, the family as well as Gregor, the money was received with thanks and given with pleasure. - The Metamorphosis, Ch. 2 Hardly she entered the room than she would run straight to the window without taking time to close the door - though she was usually so careful to spare everyone the sight of Gregors room - then tear open the casements with eager hands, almost as if she were suffocating, and remain for a little while at the window even in the coldest weather, breathing deeply. With this racing and crashing, she frightened Gregor twice a day; the whole time he cowered under the couch, and yet he knew very well that she would certainly have spared him this if only she had found it possible to stand being in a room with him with the window closed.- The Metamorphosis, Ch. 2 Into a room in which Gregor ruled the bare walls all alone, no human being beside Grete was ever likely to set foot.- The Metamorphosis, Ch. 2 Gregors serious wound, from which he suffered for over a month - the apple remained imbedded in his flesh as a visible souvenir since no one dared to remove it - seemed to have reminded even his father that Gregor was a member of the family, in spite of his present pathetic and repulsive shape, who could not be treated as an enemy; that on the contrary, it was the commandment of family duty to swallow their disgust and endure him, endure him and nothing more.- The Metamorphosis, Ch. 3 What the world demands of poor people they did to the utmost of their ability; his father brought breakfast for the minor officials at the bank, his mother sacrificed herself to the underwear of strangers, his sister ran back and forth behind the counter at the request of the customers; but for anything more than this they did not have the strength.- The Metamorphosis, Ch. 3 I wont pronounce the name of my brother in front of this monster, and so all I say is: we have to try and get rid of it. Weve done everything humanly possible to take care of it and to put up with it; I dont think anyone can blame us in the least.- The Metamorphosis, Ch. 3, pg. 51 Growing quieter and communicating almost unconsciously through glances, they thought that it would soon be time, too, to find her a good husband. And it was like a confirmation of their new dreams and good intentions when at the end of the ride their daughter got up first and stretched her young body.- The Metamorphosis, Ch. 3

Letter Essay Example | Topics and Well Written Essays - 250 words - 20

Letter - Essay Example In the research paper, I will argue that the increasing fire outbreak cases in America are as a result of poor or lack of effective measures vital in preventing and dealing with fire outbreak cases. Ultimately, the cases of fire have had a detrimental impact on the safety of individuals and the economic growth of the country. The research paper will incorporate issues like fire prevention, the prevention of rapid spread of fire as well as the provision of resources including fighting equipment in the outbreak of fire. Consequently, I will dwell on the safety of individuals in the case of outbreak. To carry out my research, I will utilize various resources including periodicals, books and the internet as well as case studies relevant to the topic to decipher critical and vital information in relation to current statistics and cause for the predicament. I am particularly aware that it is unethical to utilize someone else’s work and ideas as my own as this will be an act of plagiarism, therefore, throughout my research on fire safety issues, I will utilize proper APA citation as per the project

Power, Desire, Difference Essay Example | Topics and Well Written Essays - 2500 words

Power, Desire, Difference - Essay Example The specific psychical concerns of the symbolic may have been played down in some feminist writing, political issues have been played down (and deeply confused with psychical ones) in recent critiques of essentialism. The thing is, the challenge to Lacan is often read as, or reduced to, the challenge to patriarchal structures of language and phallogocentrism, which of course in part it is. Lacan's theory also covers the psychical organization, the argument that the symbolic is the condition of sanity; it is not purely about the patriarchal order of language (Chodorow: 1998:167). It should become evident that this facet of Lacan's theory has also received attention in French difference feminisms, especially from Irigaray. Moreover, it is only when this aspect of Lacan's theory is taken into account that the British feminist defence of him makes any sense. The symbolic's patriarchal nature relies on the interlocking functions of the symbolic father, and the notorious phallus. Lacan says the symbolic father intervenes in the imaginary ties between mother and child (Withford: 1986). For Lacan the actual father matters infinitely less than his structural, symbolic position as an intervening third party. In the imagination, the father's place is similar to the occupied by language, in that language intervenes in the imaginary dyad as the symbolic words that rupture the threads of phantasy that hold lack at bay and the illusion of union in place. To borrow the vocabulary of mainstream psychoanalysis for a moment, this intervention is critical to the process of psychical differentiation, to the subject's differentiating itself from others; and this is one reason why sanity relies on the symbolic (Withford:1988). How changing the sex of either the intervening third party or the primary care-giver, or the actual father's social spot, would af fect the process of differentiation is another matter; but real changes in either parenting models or the social position of women and men must have consequences for the symbolic. The phallus is the mark of need, and diversity in general and sexual difference in particular. As the mark of need, it pertains to the fact that the subject is not complete unto itself. It is here that the symbolic father and phallus connect; the former breaks up the illusion of unity, the latter represent that break (Withford: 1986:7). As the mark of difference in general, the phallus is allied with the logos, with the principle that the identification of difference is the condition of logic and language alike. That is to say, thinking as such requires difference. This brings to a critical Lacanian claim that sexual difference is the crucial one in being able to speak, thus think; and, mutatis mutandis, that speaking is critical to sexual difference. The visual recognition of sexual difference is a channel connecting the heterogeneous experience of the feeling, sensing body to something that is strange to it: the differential structure of language; in turn, that language allows it n ame the difference. In short, Irigaray, like Mitchell, may have a clinical issue in mind: the idea that the phallus is represented by the penis implies, according

Research method Essay Example | Topics and Well Written Essays - 2500 words

Research method - Essay Example INTRODUCTION TO PROBLEM OUTLINE Sportswear retailing is a diverse and fairly fragmented market. Even though at a slower rate, sports retailing chains are showing a steady growth over the years. Retailers are looking for introducing new formats in business along with increasing the number of stores. Independent sports retailers like Sports Direct have established their place in the market and managed to gain major share in the markets. The research focuses on analysis of customer satisfaction in sports retailing concentrating on Sportsdirect.com in Liverpool One. Companies are in a situation where it is no longer enough to satisfy the customers, they need to delight customers. The simple way to measure customer satisfaction is by taking surveys. A successful survey begins with a good questionnaire, and a good questionnaire is built from the customer’s point of view (Horovitz, 1990). 2. AIM & OBJECTIVES The aim and objectives of this research are to: Measure the customer satisfa ction in sports retailing, focusing on Sportsdirect.com in Liverpool One. To find out about satisfied and dissatisfied customers and based on this, put forward suggestions for the improvement and to better serve customers and retain them. To make generalisations about the customer satisfaction in sports retailing sector. ... sports goods retailing industries as customer satisfaction is at the root of customer retention and in effectively raising the bar on the firm’s future profitability. 3. ORGANISATIONAL BACKGROUND Sports Direct International Plc was established in 1982. It is now UK’s number one sports retailer with annual turnover exceeding well over ?1 billion. (Sports Direct Annual Report, 2008). They acquired a lot of companies during their race to success and have around 375 stores in UK and around 60 global stores. They focus on growing UK retail business by continue to drive efficiencies and delivering outstanding value to customers (Sports Direct Website, 2011). Moreover, a significant percentage of Sportdirect.com customers are online clients and manage to get the cushion of market leadership by differentiating themselves from rival firms who manufacture and sell sports goods using the discount-based competition market strategy. 4. LITERATURE REVIEW In the current business world , customer care has a major influence on a company’s long term profitability. Cook (2000) categorises clients as the premise of business and as the element that keeps business alive. The knowledge, attitudes, educational background, and cultural and social environment of an individual have got a major role in moulding his perspectives (Antonides & Raaij, 1998). A well-educated and well-informed customer of the present era has had a clear understanding of standards he expects and this makes it more complicated. As a result, there is considerable attention being taken into account of maintaining relationship between the service providers and customers (Barnes, 1997; Reinartz & Kumar, 2002; Coulter & Coulter, 2002). The bygone twenty years has seen the growing up of relationship marketing as the

Eth 125 Week 5 Religious and Ethnic Groups Essay Example for Free

Eth 125 Week 5 Religious and Ethnic Groups Essay Jehovah’s Witnesses go door to door while other religious groups let people come to them. They do this because they consider it an honor to spread the word of god. Their religious practices are generally similar to others they worship God, pray to him, and think that all things good come from him. Jehovah’s Witnesses believe God can not lie therefore what the bible says will come true and earth will someday be cleansed of all the â€Å"wickedness†. In addition, most religions do some kind of baptizing when a child is young however, Jehovah’s Witnesses only baptise those who want to serve as a Jehovah’s Witness. * * Jehovah’s Witnesses have contributed to American Culture in many ways. For instance, they help with education, disaster relief, and parenting. They contribute in many ways and are modest about the history in the making. Jahovah’s Witnesses set out to help people become law abiding citizens that do right by God. They have also won many court battles about religious freedom issues. Other groups that do not have the same beliefs have discriminated against Jehovah’s Witnesses. Jehovah’s Witnesses have been treated poorly or even been victims of violent crimes. Jehovah’s Witnesses have been shunned in many different areas of the world. For instance; in France (2006) the government branded them as dangerous and 71 kingdom halls were burned, firebombed, shot at, and vandalized. In India (2006) door to door Jehovah’s Witnesses were attacked and beaten with fence posts. The Jehovah’s Witnesses were charged with inciting the violence. The sources of this discrimination and prejudice came from governments as well as general population. What I have learned about this religion helps me understand it just as well as I understand any religion. Jahovah’s Witnesses are fighting for what they believe in just as many of us are. They are no different accept their beliefs differ from others. Jahovah’s Witnesses deserve to believe what they want to believe in. Everyone needs to believe in something and they should not be treated differently because the way they practice is not the same as everyone else. Racial/ethnic group: Hispanic and Latino * * Hispanic and Latino culture is different in many ways. Some of these differences include skin color, language, and physical features. Many Hispanic and Latinos speak Spanish and their second language is English. Their culture is defferent in the sense that they try to avoid standing out in their own groups. In addition, Hispanic and Latino children are raised to have a deep connection with family. This group many times has a strong bond with all family including Aunts Uncles, and Grandparents, many times these family members live in the same household or near by. * * Hispanic and Latinos have been treated poorly similar to any other racial group. The efforts to increase border patrol on the Mexican American border have done nothing but increase prejudice and discrimination against Hispanic and Latino people. There have even been reports that women and children are treated poorly as well. Here in Tucson Az. for instance we hear many reports about the border patrol having to work over time to keep them out. Someday I feel it will all come crashing down and anyone who tried to keep them out will have to pay for that in some way shape or form. Hispanics and Latinos should not be told they can not come to the US. Many of them say that the US has better opportunitys and that is why they want to be here. If we can help other countrys organize then why not Mexico as well. Hispanic and Latinos have highly influenced American culture. First and foremost the food thay they showed us is popular all over the world. Tortillas, burritos, chimichangas, and many other dishes that are simply delicious. In addition, the music they have introduced us to has definitely spiced things up in many clubs all over the U. S. Also many students are now required to complete spanish as a second language in school, which at first may have been frowned upon but now is embraced by most parents and students. Some discrimination that Hispanic and Latinos deal with still today is the difficulty to get good paying jobs. Because many of them do not speak english well and have little to no education the jobs they get are in most cases low wage high labor jobs. The sources of this prejudice and discrimination is employers as well as general population. Hispanics and Latinos are looked upon as different especially if they were not born in the US. In addition, in many films Hispanics are often prtrayed as lazy, hyper-sexual, or violent which is simply untrue and not very different from any other ethnic group. What I have learned about this racial and ethnic group does help me understand it. I have never understood why so many of them live under the same roof and now I understand it is because their family is close. In addition, now I know that it is the lack of education the prevents them from getting higher paying jobs and maybe not so much that they are different. The prejedice between my selected racial and ethnic group is similar because it is all in the same category. Prejedice and discrimination is all a way of making a person or a group feel inadequate and that they do not belong. Regardless of the way Jahovah’s wittnesses were beaten and harrassed or the way the Hispanic and Latinos have been cast out and told they are not welcome in the US it is all wrong and should not be tolerated. In conclusion, discrimination comes in all shapes and sizes and can happen to anyone. Jahovah’s Witnesses References: Reference: http://www. jw. org/en/publications/magazines/g201008/what-do-jehovahs-witnesses-believe/ Reference: http://www. knocking. org/ReligiousPersecutionReport. html Reference: http://www. jw-media. org/aboutjw/article44. htm Reference: http://wiki. answers. com/Q/How_have_Jehovah%27s_Witnesses_contributed_to_American_culture Hispanic and Latino Reference: Reference: http://www. coedu. usf. edu/zalaquett/hoy/culture. html Reference:

Economic recovery program of Ghana

Economic recovery program of Ghana CHAPTER ONE 1.0 Introduction This chapter attempts to provide an overview on the problem statement of the entire research work, objectives of the study, relevance of the study, methodology applied as the research unfolds and the organization of the study. 1.1 Background Ghana is one of the fast emerging developing countries in West Africa with twice the per capita output of the poorer countries in West Africa. With well endowed natural resources, Ghana still relies heavily on international financial and technical assistance. Gold, cocoa and timber are the major sources of foreign exchange. The introduction of Ghanas Economic Recovery Program (ERP) in 1983 to recover the initially very weak private sector participation did improve consistently but although still levels were modest during 1987-91. Over the past years Ghana has witnessed dynamic changes in its private Sector. The number of banks has increased from 9 in 1989 to 21 at May 2006 (www.bog.gov.gh). These banks serve a prominent role as corporate entities that provide investment capital in the economy to support employment opportunities, human resources development and contribute towards national and community development programmes (Aryeetey, E. Gockel, F. 1990). They primarily furnish loans to individuals and companies to finance various projects which lead to economic and private sector development. Brownbridge, M., Gockel, A.F. (1997) are also of the view that these financial institutions support savings and investment in the economy, which plays a major role in the overall development in terms of increasing productivity of resources in the economy. They further highlighted that this role of banks in the Ghanaian economy is crucial, in that shortcomings in the industry directly affect the trend of economic growth. In recent times Ghana has discovered crude oil, which is expected to boost the economic growth by bigger margins. Ghana has a unique welcoming attitude towards foreign investors; the long political stability of the country has attracted a lot of business investors to establish businesses in the country. The rate of foreign investors has not reduced as better prospects in doing business in Ghana are yielded in the long-run. The political state of the country has also been very peaceful with a vibrant atmosphere to establish businesses. During the fifth banking awards ceremony in Accra, Dr. Paul Acquah (Governor of Bank of Ghana) revealed that the banking industry in Ghana has become highly competitive due to the increased sophistication of customer needs coupled with tremendous global competition. He further stated that these reasons over the years have been the driving force for banks, in particular private owned banks, to focus on increasing shareholders value, delivering superior services aimed at achieving over all customer satisfaction and value. The concept of competition has introduced an overwhelming challenge among organisations worldwide. Most organisations are forced to compete by promptly responding to changes in national and world economies, technological changes, new business environments, cultural diversity and deregulation in emerging capital markets to improve overall organisational performance. Privately owned businesses in Ghana are constantly entwined in this fierce battle of global competition and the pressing need to sustain its existence in the growing rate of change in its environment. Recent trends in the Ghanaian economy have revealed that keen competition in the business sector has been as a result of an open market which promotes private sector participation. Though most private owned organisations have managed to survived, a considerable number of them do fail due to reasons not limited to economical and financial factors. A study conducted by Dun and Bradstreet (cited by Gaughan Patrick A. 1999, pp. 432) reveals that there are three most common factors that cause business failure such as economic, financial and experience factors (refer to Table 1). In some developing countries market forces are completely eliminated as a result of controls imposed by the ruling governments. These controls create adverse effects on the economy such as large fiscal deficits coupled with weak macroeconomic management leading to high inflation in the economy. The consequences are generally felt by banks and other non-banking institutions, in that, loans borrowed by individuals or organisations are not paid back due to economic hardship (Brownbridge M., Gockel A.F., 1997). According to Pfeffer J. (1994; p. 6), People and how organisations manage them are becoming more important because many other sources of competitive success are less powerful than they once were. He emphasises the fact that in recent times most organisations rely extensively on the traditional sources of competitive success such as product and process technology, regulated markets, access to capital resources, and economies of scale which provide an insignificant competitive influence as compared to the past. He further argues that organisational culture and potential employee contributions derived from managing employees in an organisation are crucial as compared to the traditional sources of competitive success. Employees have been referred to as assets to a firm or an organisation when they possess the right skills needed to work effectively and efficiently (Odiorne G. S, 1984). However, these employees may possess diverse capabilities that lead to various potential contributions to an organisation because of previous education, experience, or individual qualities. In view of the fact that employees contribution to the organisation determines extensively competitive success, their individual skills are considered vital (Pfeffer J. 1994). 1.2 Problem Statement The gradual transformation of Ghana has had a lot of positive feedback from other nations, but will this transformation termed economic growth survive the long-term or would it collapse somewhere in the future? What are the main strengths and weaknesses of the private sector? Will the private sector support sustainable development? Has Ghanas initiative to increase private sector participation been successful? What measures has Ghana taken liberalize its economy to encourage private sector participation? Recent discovery of crude oil (black gold) in Ghana has brought higher hopes to accelerating the countries development goals into reality. This is what the recent ex-president of Ghana, President John Kufuor had to say in an African programme with the BBCs Focus Were going to really zoom, accelerate, and if everything works, which I pray will happen positively, you come back in five years, and youll see that Ghana truly is the African tiger, in economic terms for development. Will this oil discovery further attract new entrants into the financial sector and in the affirmative will this promote a competitive private sector environment? 1.3 Objectives of the Study The main objective of this thesis is to show the role of the private sector in contributing to business competitiveness and economic growth. The research limits its focus on the inflow of private non-financial and financial institutions in the Ghanaian economy as a result of the introduction of Financial Sector Adjustment Programme (FINSAP) in Ghana. The economy over the years has witnessed an increase in private sector participation, which has significantly promoted business competitiveness and contributed to a vibrant economy at large. Table 2: SMART Objective of the Study Strategic Operation Tactical Specific Evaluate the role of the private sector (Privately owned financial institution) contributing to business competitiveness and economic growth. Present a platform for private sector participation in economic development. Provide a primary evaluation for developers and investors who aspire to do business in Ghana. Measurable To fall within the framework of the private sector and factors leading to business competitiveness and economic growth. Increase real GDP. Impact of the private sector on economic growth. Note government policies that would prevent adverse effects on critical sectors of the economy. Attainable To recommend effective and sustainable business development strategy and policies that will enhance more participation in the private sector. Increase economic growth and improve effective and efficient business plans. Embark on comprehensive business competitiveness and productive performance within the various business sectors. Realistic The research will look extensively into government development goals as well as the private sectors role in development. Access to economic reports surveys from IMF. Ghana Government reports on development projects. The IMF monitors on a yearly basis the economic situation in Ghana. Time-Limited To complete the thesis within two months. This thesis expects to propose recommendation based on the information available at the time of writing. The recommendations and proposals are expected to be considered and if applicable implemented by other developing countries as well. Source: Self-prepared. Specifically, the thesis critically focuses on the following: The role of the private sector (privately owned financial institutions) contributing to economic growth in Ghana. To investigate the driving forces of Ghanas emerging markets. The role of the government promoting the private sector. The challenges and constraints facing the private sector. To evaluate the strategies being employed by Ghana in the private sector and its impact on the economy. 1.4 Significance of the Study The study will be beneficial in many respects: To help identify the success and bottlenecks of the significant economic contributions from private sector with regards to its contribution to economic growth business competiveness. It also reviews the strengths of the financial sector to support expansion of the private sector development and more importantly availability of credit facilities to promote businesses. It will help investors to get a fair idea of business establishment opportunities. To help formulate strategies to help implement better policies and promotions for the private sector development. 1.5 Methodology This study uses secondary data and literature to evaluate the topic. It also uses SWOT analysis to examine the strategic position of Ghana in improving its economic and business areas. The research will employ the use of CAMEL approach as the overall framework to evaluate the financial strength and stability of the Banking Industry in Ghana, where; C Capital adequacy, A Asset quality, M Management capability, E Quality and level of earnings, L Adequacy of liquidity 1.6 Organisation of the study The paper is divided into five chapters. Chapter one presents the introduction, problem statement, objectives of the study, significance of the study, methodology and the organisation of the study. Chapter two gives an overview of the Ghanaian financial sector as well as reasons that led to the financial sector reforms. Chapter three gives an overview of the Ghanaian private sector. Chapter four uses CAMEL approach to analyse 4 major privately owned financial institutions. The final chapter looks at the overall findings, conclusions and recommendations. CHAPTER TWO 2.0 Overview of the Ghanaian economy This chapter provides an overview of the Ghanaian economy and the Ghanaian Financial System. The chapter also looks at reasons that led to the introduction of the financial sector reforms, a SWOT analysis of financial sector adjustment program (FINSAP I II). Ghana is one of the developing countries in sub-Saharan Africa that introduced structural and economic reforms to address its extensive macroeconomic shortcomings, reduce poverty and to liberalize the financial sector. The broad money/GDP ratio fell significantly to 12.5% in 1983 as compared to 29% in 1976, whiles currency/M2 ratio also decreased from 35% in 1970 to 50% in 1983. Bank deposits decreased from 19.5% of GDP in 1977 to 7.4% of GDP in 1984 because there was lack of confidence in the banking industry (Brownbridge, M., Gockel, A. F. 1997). During the 1980s the Ghanaian economy was hit by the most devastating economic crisis (www.bog.gov.gh). This gave rise to numerous extensive economic drawbacks in the Ghanaian economy. Leechor Chad reveals in an article published by the World Bank the following economic crisis that plagued the Ghanaian economy between the years 1982 to 1983: The countrys power systems, communication, postal and railway services ceased to function properly and the whole country was in a state of chaos. Tax collection had declined to about 5% to GDP, investment dropped drastically beyond the level required to maintain capital stock. Real income per capita which was continuously diminishing for a decade was a third below the level reached in the early 70s as at 1983. Foreign exchange reserves deteriorated considerably. The Ghanaian economy was heavily controlled by the government in terms of setting unrealistic interest rates and sectoral credit ceilings; banks were forced to focus on lending to priority sectors (agriculture, export and manufacturing) regardless of the borrowers performance in terms of profitability and their capability to payback the loan. The economy was regulated to foreign investments and the strong existence of strict capital flow regulations (The Corporate Guardian, July-September 2006). Governments heavy intervention in the financial system set the stage for economic shortcomings a few such as lack of competition, high incidence of inefficiency, hardship and the escalating rate of non-performing loans (Leith, C. J., Sderling, L. 2000). Since the late 1980s, the government of Ghana continued to implement financial sector reforms as an integral part of its ongoing Economic Recovery Program (ERP) (Brownbridge, M., Gockel, A. F. 1997). Ghanas enthusiasm to initiate the ERP with close collaboration with the International Monetary Fund (IMF) during the year 1983-85 was to liberalise the financial sector and establish an open market-based economy by eliminating price ceilings, reducing the influx of foreign imports, diversifying viable sectors of the economy and stabilizing fiscal deficit. Ghana in 1984 launched the Structural Adjustment Program (SAP) with the primary aim of reducing its involvement in the economy and allowing the free interaction of demand and supply (The Corporate Guardian, July-September 2006). However, during the period 1983-88 the performance of the banking industry deteriorated with high levels of non-performing assets (NPAs) and inefficient deposit mobilization which made most public banks insolve nt (Leith, C. J., Sderling, L. 2000). The government launched the first phase of the Financial Sector Adjustment Program (FINSAP) in 1988. This was to fully deregulate as well as liberalize the financial sector and improve resource allocation within the various sectors of the economy (www.oecd.org). Since 1983, Ghana has attached great importance to its divestiture initiative program. About 200 stated-owned enterprises (SOEs) were being considered for diversification under governments ongoing privatization initiative. At the end of the last two years, government still owned 35 enterprises valued at more than 60% of GDP in 2003 (IMF Survey, 2005). Governments expenditure during 1986-1991 increased and this called for policy reforms to enable government to meet its high spending. Government depended on the tax system to support its high level of spending. The Parliament of Ghana in 1993 increased tax on petroleum. However, the tax system could not supplement its GDP share to match the expenditure. Consequently this brought about deficit financing. Government resorted to other forms of financing its expenditure such as extensive borrowing from the Central Bank (issuing new notes), public and foreign borrowing, and privatization of sate-owned enterprises (Leith, C. J., Sderling, L. 2000). Over the years, Ghana has witnessed a massive transformation in its economy as a result of continuous implementation of financial sector reforms to deregulate the economy and stimulate savings, investment and growth. The Central Bank is constantly implementing policies adopted under FINSAP to ensure the entrants of privately owned financial institutions, free interest rates, stabilize the cedi against foreign currencies, encourage the flow of foreign investment and allow easier access to credits (www.bog.gov.gh). The Ghana Stock Exchange (GSE) was set up in 1989 as a private company limited under the Company code. The Stock Exchange act of 1971 (Act 384) allowed it to function as an authorized Stock Exchange. The Securities Industry Law PNDCL 333 (1993) as amended bestowed regulatory rights to the Security Regulatory Commission (SRC) with its main function to register, protect, assist and supervise all stakeholders in the securities market. In April 1994 the Ghana Stock Exchanges status became a public company limited (www.gse.co.gh). At the end of 2003, listed companies equity increased to 26 as compared to 22 in 2002 (www.gipc.org.gh). The performance of the Ghana Stock Exchange (GSE) has improved tremendously. All-share Index increased by 91.3% in 2005 as compared to 154.7% in 2003 (ISSER 2005). Flow of foreign investment increased from $110.0 million in 2003 to $139.3 million in 2004. In 2004 the cedi depreciated by only 2.2% against the US dollar, 10.7% against the Euro and 12.1% against the pound sterling. There was quite an improvement in the value of the cedi as compared to the previous year (2003) when the cedi depreciated by 22.5% against the Euro and 13.0% against the pound sterling. Average inflation fell from 26.7% in 2003 to 12.6% as at December 2004 (ISSER 2005). Ghana is the second largest producer and exporter of cocoa; the agriculture sector accounts for about 50% of GDP and is considered the backbone of economic development (www.ghanaweb.com). Real GDP growth in 2004 was 5.8% (www.gipc.gh). The tremendous performance of the Agricultural sector has supported Ghanas remarkable rate of economic growth over the years. The Agricultural sector contributes significantly to GDP growth. In 1990 GDP increased by only 3.3%, this was due to the negative 2% growth rate in the Agricultural sector that year. The year 1991 witnessed a GDP growth rate for the Agricultural sector by 5.8% which consequently increased the whole Ghanaian economy GDP by 5.3% in that year. The sector has also contributed immensely to the countrys foreign exchange earnings; 38.5% in 1999, 35.4% in 2000, 33.9% in 2001, 35.5% in 2002. (www.fao.org/es/esa). Other main exports are gold, timber, bauxite, manganese ore and diamond (BOG Quarterly Economic Bulletin, April June 2005). The performance of the agriculture sector over the years has immensely improved with growth rate of 7.5% in 2004 as compared to 6.1% in 2003. The production of cocoa for export contributed 46.7% during the year 2004, a significant portion of over all growth (ISSER 2005). The crops and livestock contribution increased from 2.3% in 2003 to 5.4% in 2004, the largest contribution to the agricultural sectors GDP. The forestry and logging sub-sectors increased by 6.1% in 2003, but dropped with a growth rate of 5.8% in 2004. (www.gipc.org.gh).The elimination of maximum lending rates and minimum time deposit rates succeeded to some extent in the liberalization of interest rates in 1987. Direct controls in the form of credit ceilings were also abolished. During the 1990s banks were at liberty to price deposits and loans and to distribute loans accordingly; however the Bank of Ghanas high reserve requirement limited the funds available for allocation (Brownbridge M. Gockel A. F 1997). These h igh reserve requirements prevented banks from developing their loan portfolios and consequently, most banks preferred to invest in attractive and somewhat risk-free government securities (strategis.ic.gc.ca) Interest rate dropped steadily owing to the Monetary Policy Committee (set up by the Bank of Ghana in 2004) decreasing prime rate from 21.5% in 2003 to 18.5% in 2004. Consequently, the commercial banks base rate has decreased from 29% to 25.4%. Interest rate for 91-Treasury bill fell from 18.71% early part of the year to 17.08% at the end of 2004. Interest rates for the 182-Day Treasury bill dropped from 19.78% during the early part of the year to 17.85% at the end of 2004. Inter-Bank interest rate also fell from 17.12% in January to 16.23% at the close of the year 2004 (www.gipc.org.gh) The Banks spread (21.3%) is still too high as compared to the other African countries (see table 3*). The banking industry has been structured in a way that banks are able to adjust their interest rates according to policy rates. Banks maintain a high spread to ensure that their profits are not significantly influenced by their interest margins (BOG financial stability report 2004). However, according to the BOG financial stability report 2006 the emergence of new banks will lead to an efficient financial sector which is expected to reduce the pressure on lending spread due to the fact that banks will continuously try to gain market share by competing for customers. Table 3: Selected Commercial Bank Interest Rates, 2000 and 2004 Deposit Rate Lending Rate Spread 2000 2004 2000 2004 2000 2004 Gabon 5.0 5.0 22.0 18.0 17.0 13.0 Ghana 16.8 7.5 47.0 28.8 30.2 21.3* Kenya 8.1 2.4 22.3 12.5 14.2 10.1 Mauritius 9.6 8.2 20.8 21.0 11.2 12.8 Mozambique 9.7 9.9 19.0 19.2 9.3 9.3 Nigeria 11.7 13.7 21.3 19.2 9.6 5.5 Tanzania 7.4 4.2 21.6 13.9 14.2 9.7 Uganda 9.8 7.7 22.9 20.6 13.1 12.9 Zambia 20.2 11.5 38.8 30.7 18.6 19.2 Source : International Financial Statistics, IMF Fiscal and Monetary Policy The financial policies implemented by monetary authorities in Ghana before the implementation of FINSAP were direct government controls on all sectors of the economy. Government excessive control in the economy by setting price and interest ceilings coupled with weak macroeconomic problems lead to a high level of inflation (Ziorklui, S. Q. 2001). Ghanas fiscal policy primarily aims at decreasing domestic debt, ensuring economic stability, cutting down on the increasing level of interest payments to achieve the required real interest rates. Consequently, the Bank of Ghana has adopted numerous strategies to address fiscal deficit and governments borrowing (www.gipc.org). Budget deficit was 0.55% of GDP during the second quarter of the year 2005 as compared to 1.18% of GDP during the last quarter of 2004. This showed significant decrease in the overall budget balance (Bank of Ghana Quarterly economic bulletin, April-June 2005). The Bank of Ghana in 2004 set up the Monetary Policy Committee (MPC) to mainly focus on formulating effective monetary policies, making available statistical data and providing necessary support in terms of advise for monetary policy formulation (www.bog.gov.gh). The MPC seeks to control inflation, stabilize price and exchange market, manage external debt and develop the capital market (www.gipc.org.gh). 2.1 The Ghanaian Financial System in Brief Ghanas banking sector has evolved over the years. There are 23 major banks (refer to table 7) operating in the banking sector in Ghana as at 2006. The Ghanaian banking sector is made up of 19 universal banks, 2 Development Banks, 2 Commercial banks including Apex Bank and 121 Rural Banks (www.bog.gov.gh). The introduction of universal banking in Ghana is overwhelmingly changing the way banks function in the economy. Unfortunately, not all banks operating in Ghana are eligible to be universal banks. To be eligible for banks to operate as universal banks they are expected to have at least 70 billion as shareholders capital (www.agighana.org). According to the Bank of Ghana universal banking substitutes the famous three-pillar banking model, namely development, merchant and commercial. Table 4: List of Major Banks in Ghana 2006 INITIALS BANK DATE OF ESTABLISHMENT NATURE OF BUSINESS ABL Amalgamated Bank 2000 Universal Bank ADB Agricultural Development Bank 1965 Development Bank BBG Barclays Bank Ghana 1918 Universal Bank CAL CAL Merchant Bank 1991 Universal Bank EBG Ecobank Ghana Limited 1990 Universal Bank FAMBL First Atlantic Bank 1995 Universal Bank FBL Fidelity Bank Limited 2006 Universal Bank GCB Ghana Commercial Bank 1952 Universal Bank GTB Guaranty Trust Bank 2006 Universal Bank HFC HFC Bank Limited 2002 Universal Bank ICB International Commercial Bank 1996 Universal Bank INTER Intercontinental Bank Plc 2006 Universal Bank MAB Metropolitan Allied Bank 1995 Commercial Bank MBG Merchant Bank Ghana Limited 1972 Universal Bank NIB National Investment Bank 1963 Development Bank PBL Prudential Bank Limited 1997 Commercial Bank SBL Stabic Bank Ghana Limited 2000 Universal Bank SCB Standard Chartered Bank 1896 Universal Bank SG-SSB SG-SSB Bank Limited 1976 Universal Bank TTB The Trust Bank 1994 Universal Bank UBA United Bank for Africa 2005 Universal Bank UNI Unibank Ghana Limited 1999 Universal Bank Zenith Zenith Bank 2005 Universal Bank Source:http://www.bog.gov.gh/privatecontent/File/BankingSupervision/Licensed%20Banks%20%20Addresses%20November%202008(1).pdf Until 1957 the West African Currency Board (WACB) acted as the only board under the Colonial regime conferred with the authority to exchange sterling to Gold Coast pound. Government of the then Gold Coast declared its intention to issue its own currency after independence. Politicians and economists were of the strong opinion that with the establishment of a Central Bank, Ghanas independence will have a significant meaning in political history. In view of this, preparations started which ended up in the establishment of the Bank of Ghana on the 4th of March 1957 under the Bank of Ghana Ordinance (No.34) of 1957 passed by the British Parliament. The whole idea for the establishment of a Central Bank was to meet the financial needs of vast indigenous sectors of the economy as well as the new independent Ghana government. After the establishment of Bank of Ghana (replaced WACB) as the central bank, the 1957 ordinance empowered the bank to primarily assume the following role in Ghana when it first begun formal operations on 1st August 1957 (www.bog.gov.gh): Printing out and redeeming bank notes and coins. Lender of last resort for banks in Ghana. Using fiscal and monetary policies to regulate money supply and maintaining monetary stability. Advise the government and be the main source to finance to the government of Ghana. Supervise and regulate all banks in Ghana. The legal and regulatory frameworks in which financial intermediaries operate in Ghana are as follows (www.bog.gov.gh): Bank of Ghana Act 2002, Act 612 Banking Act, 2004 (Act 673) Financial Institutions (Non-Bank) Law 1993, PNDC Law 328 Companies Code Act 179, 1963 Bank of Ghana Notices /Directives / Circulars / Regulations Non-Banking Financial Sector Ghana has achieved significant success in the economy particularly in the non-banking sector as a result of initiating the structural adjustment program, liberalizing the economy and by passing the Banking law in 1989 and the Non-bank financial law in 1993. These initiatives embarked by the government of Ghana have paved way for new entrants in the private sector and also transformed the existing financial institutions to diversify into the financial system. Consequently, there has been a rapid growth of Non-Bank Financial Institutes (NBFIs) with the prime aim of providing financial services to potential target groups outside the banking system (Ziorklui, S. Q. 2001). According to the Ghana Investment Promotion Centre the financial system in Ghana includes the following licensed non-Bank Financial Institutions: Insurance companies Stock exchange Building Society Mortgage Finance Co. Venture Capital Funding Financing Trust Company Credit unions Discount houses Financial houses Leasing companies Savings and loans associations 2.2 Objectives of Financial Sector Adjustment Program (FINSAP) According to Ziorklui S. Q. (2001), FINSAP was introduced and implemented in two phases. He further outlines the main objectives in both phases of the implementation. The first phase was implemented in 1988 with its main objectives as follows; FINSAP I Embark on restructuring to address financially distressed banks. Mobilize savings and strive to improve efficiency in the allocation of credit. Establish an effective regulatory and supervision system to monitor and improve the banking sector. Improve and strengthen the money and capital markets. To establish a non- performing assets recovery trust. The second phase of FINSAP was implemented in 1990 with the following objectives; FINSAP II Promote foreign investment and increase private participation in the banking sector in Ghana. Continue the implementation of policies adopted under the first phase of the financial sector adjustment program (FINSAP 1) to restructure the financial sector. Better manage the collection of non-performing loans by Non-Performing Assets Recovery Trust (NPART). Promote and develop non-Bank financial Institutions (NBFIs) to be more effective and efficient in savings mobilization. 2.3 SWOT Analysis Financial Sector Adjustment Program (FINSAP) This section seeks to determine whether the main objectives under the implementation of the financial sector reforms (FINSAP) are attainab