Lady Macbeth Sit

Macbeth is strolling and chatting with companions at the gathering, and one of Machete's skins notice my name. You can see the blame and inconvenience approach his face. In the event that no one but he could see my face at this moment. At the point when everybody is away I will ensure he gets the chance to see my face one final time! Will make his life so awful he is going to lament the idea of attempting to murder me and my youngsters. Macbeth is fortunately diverted by his shrewdness deluding and scheming spouse Lady Macbeth. What Macbeth cannot deny is that I am keeping a close eye on him. Furthermore, trusting that the ideal time will shock him!I'm so infuriated and tormented that I m not here on this planet any longer to deal with my youngsters. What's more, to see my kids moving toward the mansion for Macbeth coordination party. I am just interested and befuddled with regards to why they would need to go to Machete's gathering. I can see my kids walking and pacing the palace as though they are arranging something. I need to perceive what my kids are up to before they harmed their selves, another person or hurt Macbeth. I will likely divert Macbeth by giving him phantom face and getting my youngsters out of this mansion before Macbeth gets an opportunity to see them.Macbeth is having a decent discussion with his better half in a different room and I figured this is the ideal chance to astound them. My first game plan is to frighten them by making clamors next I need to bother them. As I approach the room, and murmur Macbeth, Lady Macbeth. The appearance all over is extremely valuable. I can hear Macbeth state what is that, who goes there. He does not understand that is me. What's more, for my finale I will show up. Greetings Lady Macbeth and Macbeth. What a superb coordination supper you have here. Dinner is thou?Yes am he Banquet apparition, here to destroy your lives like you demolished mine. Woman Macbeth we need to leave now. Gee golly its absolutely i mpossible of getting away from this. You and your significant other won't have the option to pull off this. You and Lady Macbeth made agony and enduring such huge numbers of individuals that now all of you should endure. Also, for a definitive finale, polish off Macbeth and Lady Macbeth. Before I could even polish them off my kids come raging through the room prepared to complete what I began. Frightened and shocked to see my apparition, they state as one â€Å"this is for you dad†.

Save The Animals! Essays - Animal Welfare, Animal Rights, Animal Law

Spare The Animals! Do you have any thought what number of creatures are executed every year to make sure we will have easily overlooked details that we don't require and that are not necessities? As well numerous to put it delicately. Right around 2 million creatures are slaughtered every year for their hide, for use in tests, and for enhancements for people! Not exclusively is that pitilessness to creatures, however that is coldhearted and ought to be illegal! That is a shock! In 1998, more than 10,263,600 creatures were sold for tests in Japan. These creatures incorporate 20,000 mutts, 2,000 felines, 1,600 monkeys, 160,000 hares, 80,000 hamsters, 3,000,000 rodents, and 7,000,000 mice. Japan doesn't have national level control. We have to locate an option in contrast to killing these vulnerable creatures. In the year 2000, more than 5,300,000 creatures were imported to Japan for their hide. These creatures incorporate 600,000 minks, 400,000 foxes, 3,000,000 bunnies and 1,300,000 goats and sheep. One strategy for executing these poor creatures is that they are gotten, reproduced, and executed. They regularly just live a half year which is not sufficient. They ought to have the option to live full, free lives without the concern of being pursued and murdered. Different strategies for murdering these creatures are very barbarous, for example, electric shock of butt-centric. We have to quit murdering these lovely animals only for their hide when we can utilize the options, for example, counterfeit hide. They have the right to live full lives like God proposed them to. They merit better than this mercilessness. An excessive number of creatures are additionally slaughtered for enrichments for people. Turtles, elephants, and tigers are murdered still alive. That is ludicrous! We can discover other options instead of hurting these wonderful animals for our advantage. What is the advantage in losing things that God made? He made these creatures for a reason and in the event that he needed them to bite the dust, he would take them when he thinks they are prepared, not when we choose we need such things as a coat! Inside and out, more than 15,563,600 creatures are slaughtered every year for their hide, tests, or to make adornments! That is more than 15,563,600 too much! On the off chance that we try not to stop this craziness, numerous creatures may become jeopardized and some may indeed, even become wiped out! They have the same amount of option to live on this planet as we do. They are a piece of the hover of life simply like us people. Despite the fact that you may think we are unrivaled creatures you are incorrect, in light of the fact that we are equivalent to each and every other living thing. It isn't right to slaughter any living thing, it even says so in the Ten Commandments! It doesn't state that it is alright to murder anything besides people, it says, Thou Shall Not Kill and we ought not hurt brilliant manifestations of our own Mother Nature which without her we would not be here anyway. Such a large number of creatures are being hurt and even slaughtered for our advantage what's more, we have to stop this before it gets considerably progressively crazy. You can help have any kind of effect. Creature Science

Pursuant to the Topic Based Writing Principles

Pursuant to the Topic Based Writing PrinciplesPursuant to the topic-based writing principles, you have to prepare your essay topics according to the required number of topics. Topics are the important elements that are required for creating an academic writing paper. In fact, as per essay writing guidelines, it is essential that you should work on your essay topics before putting the final touches to your composition.As the main reason behind this is due to the requirement for looking at a common topic and then deciding upon the right direction in writing an essay. It becomes quite easy to comprehend how these topics can give great level of concentration towards the subject matter if the topics are chosen wisely. If you do not know the topic, you can consult the school or college. Once you choose the topic, you can move towards the writing process.Since the pursuit of essay topics is the most important task, the proper guide is mandatory to handle it. You can search for the guide onl ine and you can find a lot of free writing guides. Some of them are available free of cost, while others are available for free. While choosing the guide, ensure that you go through all the aspects so that you can have a deep understanding about the important things you should consider.The Pursuant to the essay topics, you should plan in advance on what type of essay you want to write. You can choose to write a composition based essay or an analytical essay. It is also important to analyze the topic for completion. This will give you a good idea about the specific details regarding the subject, you should consider.Before writing, it is essential to know what type of piece you want to produce. The decisions should be made after careful research as it may contain difficult problems. For example, if you want to write an analytical paper, you should make a decision about the structure. This includes the grammar and the sentence construction. You should also analyze the main point and th e sub-points, so that the topic will be complete.If you want to write a free, it is not possible because it is difficult to write a free essay. The difficult part is the creation of the thesis statement. This statement is usually used as the foundation for completing the entire composition. You must decide whether you want to create the thesis statement independently or you want to use a thesis statement template. However, it is important to remember that you cannot create the thesis statement with the help of any template.The aspect of the dissertation is very common. With the completion of the essay, you will have to work for a long time. Therefore, you need to ensure that you handle the essay topics as efficiently as possible. It is important to maintain a proper balance between the composition and the topic. You should also ensure that the composition contains appropriate grammar and correct punctuation so that it is more readable.Do not forget to include the degree objective, i f you have one. If you have no specific degree objective, you should mention it down. You can also use the degree objective of the same university, so that it is easier to find out the requirements of the course.

There Are Many Issues Regarding Gender Inequality In The

There are many issues regarding gender inequality in the U.S. One of the many examples is gender inequality in the workforce. Women are unequally treated in the workforce due sex segregation. One of the main issues in the workforce is hiring discrimination. Hiring discrimination in the U.S. is illegal under the Civil Rights Act that was passed in 1964 (Pg. 275 Sociology project 2.0), but the law has not totally ended discrimination. Many businesses have biased leaders. Women are more likely to get laid off due to â€Å"company cutbacks and reorganization.† They have a more difficult time getting promoted, even if they are very successful. â€Å"Some employers discriminate against women simply because they are mothers, although in most cases this is†¦show more content†¦Women deserve equal opportunity. Getting rid of gender stereotypes would promote change. It takes more than one person to make a difference. Both men and women are affected. Another inequality is the r epresentation of women in politics. There are many stereotypes concerning women. Because of these stereotypes, many women do not think they are qualified. It s crazy to think that only a century ago, women were not allowed to vote. According to an article by Mia Bush, women hold only 26.2 percent of high government positions (â€Å"US Women Make Strides towards Equality†). Women are underrepresented in politics. One of the many examples of this inequality is congress. Women are such a small part of a very important area. More women in congress would give the female population a voice. An equal representation of both men and women in congress would improve many issues. Hillary Clinton was the first of the many women in the workforce to play a significant role in politics. In her career, she was the nation s 67th secretary of state, and represented for New York in the senate, as well as other political positions. In the 2008 presidential campaign, she had the chance to become t he nation s first female president, but was not elected. She reappeared again in this years race with a great campaign, but again was not elected. Although she did have some legal issues that negatively impacted her standing, gender stereotypes definitely played a big role in her failure. ItShow MoreRelatedGender Inequality And Idealized Beauty Standards1688 Words   |  7 Pagestime, there have been various ethical issues and injustices throughout centuries that are still evident and present in today’s society. One significant social injustice that our world continues to face is gender inequality and idealized beauty standards. When relating back to basic principles of gender inequality, women tend to be shown as inferior to men and specific occupations have been assigned gender roles. 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This is evident, when the women begin

Introduction to Business Law - 2808 Words

Business law LAW OF CARRIAGE:- Defination of law of carriage: Law of carriage means carrying goods from one place to another against the price. It is the branch of business. Carriage is the basis for the management and operation of business successfully and effectively. It is the factor of business activity that helps to mobilize the labor, raw material, and tools and machinery etc. Modern business activity are based on the exchange of goods and transportation of goods from one place to another. According to section 65 of Nepal contract act.2056 ,†a contract is related to carriage shall be deemed to have been concluded, if it provides for transportation of goods from one place to another.† Classification of carriage: carriage can be†¦show more content†¦Specific goods:- specific goods are those which are agreed and identified at the time of contract of sale. ii. Unascertained goods: - unascertained goods are those which are not agreed and identified at the time of contract of sale. These types of goods indicated and defined by description at the time of contract of sale. iii. Ascertained goods: the term ‘ascertained’ is used to those goods; which are ascertained after making the contract of sale. 2. Future goods:- future goods are those goods which are manufactured, produced and acquired by the seller after making the contract of sale. 3. Contingent good: contingent goods are those goods whose acquisition is depend upon the happening and non happening of certain event. i.e., contingent event. Difference between contract of sale and agreement to sale. 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Italian and Northern European Renaissance Free Essays

Italian and Northern European Renaissance The Italian and Northern Europe Renaissances were both an important mark in history by changing the ideals of life, thought, culture, and art of the people’s of this time. In this paper I will explain the motive for change in these cultures, including the similarities and differences of the two cultures. The Italian and Northern European Renaissance was the marking point for leaving behind the old ways and moving into the more classical ideals and civilizations for Italy and Northern Europe. We will write a custom essay sample on Italian and Northern European Renaissance or any similar topic only for you Order Now However, Northern Europe developed their ideals more slowly then Italy did. For one thing, the north held on to Gothic (or â€Å"Middle Ages†) art and architecture with a tighter, longer grip than did Italy† (Esaak, 2010). Both the Greeks and the Romans found they needed to reinvent the classical ideals through their literature and philosophical writings, making art an important factor in their decisions. The Renaissance period for the Italians and the Greeks was more focused on the ideal of an individual person, the importance of classical art, literature, and the laws of the country. The Italian Renaissance played a large role in how individuals viewed and thought about themselves. The idea of a person thinking of themselves of an individual instead of a group became a large focus in philosopher’s writings. Individualism was celebrated and encouraged during this time. Early Italian Renaissance also marked the changes in social, political, and economical changes. The development in political stability was due to the increased contact with other civilizations, and urbanization hit its climax. The arts of the Italian Renaissance reflected the confidence of the people of this time. This confidence is noticeable in paintings by Donatello, and Michelangelo. Even though the paintings still reflected Christian, and secular subjects, the classical ideals were woven into the art work. The architecture during the Italian Renaissance was based upon the appearance, theory, details, and measurements of classical world architecture. The classical aspects were used to humanize the Christian and secular buildings. The High Renaissance in Italy, although short lived, was extremely important on the influences of future Italian art. During the High Renaissance the main focus on Florence, for the arts, shifted to Rome due to the power and wealth from the popes. Because of the move from Florence to Rome, the two most important factors of this time, Classicism and Christianity, were merged into one. â€Å"Italian ideas were also brought northward through trade and commerce into Europe, where they had a tremendous amount of influence on the artistic traditions there as well† (Benton DiYanni, 2008). Both the Italian and Northern European Renaissance had interest in changing their ideals in individualism, humanism, and classicism, which has a large impact on their cultures, and arts. Many of the literary works of this time expressed the same interests between Italy and Northern Europe. Examples can be seen in the writings of Petrarch (Italian) and Michel de Montaigne (Northern European). Both of these writers expressed the importance and idealism of humanism. The literature during this time was a wonderful looking glass into the similarities and differences of Italy and Northern Europe. After looking at the Italian and Northern Europe Renaissances, one can see the many similarities between the arts and cultures, but the differences of these cultures are not as easily noticeable. One difference between Italy and Northern Europe was the decline of the Catholic Church in Northern Europe. Europeans began to discover new religious practices, and not follow the normal Catholic traditions. Italy on the other hand, continued to have a strong hold on the traditional Catholic traditions, and practices. Another difference between the two cultures, as mentioned before, was the architecture. Italy moved from the Gothic architecture and decor while Northern Europe held onto the Gothic style for a longer period of time. When comparing the similarities and differences between the Italian and Northern Europe Renaissances, one can see both cultures held many of the same beliefs, motivations, and move for change. Art and culture were both very important for these cultures and helped lead the way for future development of the cultures. References Esaak, S. (2010). The Renaissance in Northern Europe – Art History 101  Basics. Retrieved June 6, 2010, from http://arthistory. about. com/cs/arthistory10one/a/north_ren. htm Benton DiYanni, (2008). Arts and Culture, Combined Volume (3rd Edition). Retrieved June 6, 2010, from How to cite Italian and Northern European Renaissance, Essay examples

Is World Becoming Secular an Example by

Is World Becoming Secular The question as to whether religious thinking or religious institutions are becoming less significant in the modern society has become one of the hotly debated issue. Different theories have been put forward to try to explain the situation. It clearly evident that religion is not as influential in todays world as it was some years back. Gone are the days when religion used to control every aspect of our lives, the world is becoming more secular day by day where societies are relying on material things to get satisfaction rather than calling upon supernatural power for solutions. Need essay sample on "Is World Becoming Secular" topic? We will write a custom essay sample specifically for you Proceed Bryan Wilson (1992) has noted that religious thinking and consciousness are losing their importance in the society. There are several indicators to the current state of affairs. The religious symbols, institutions and doctrines have lost their significance and the prestige which was attached to these religion aspects. They no longer attract the kind of attention they used before. People are more inclined to other things than following the doctrines and sticking to the religion obligations. College Students Very Often Tell EssayLab writers: I'm not in the mood to write my paper. Because I don't have the time Professional writers recommend: Rely on our help in essay writing and let us write essays for money In the past religion used to be the guiding factor in almost all the aspects of life, when people were faced with certain problems or issue religion offered part of the solution. This is no longer the case, people are turning more into science for solutions ,for example when a couple could not get a child they turned to prayers and other religious acts but nowadays the solution lies with the laboratories to bring the much needed pride. Bryan Wilson (1992) attributes these changes to three factors, one is rationalization a process where the world is becoming organized in a rationally where concepts to do with religion have no room. He also points out differentiation or simply social fragmentation where the society has become more specialized in terms of institutions and religion as one of the institution is not directly important to the social system or in operation of the other institutions. Lastly he argues that modern life is being organized by state bureaucracies which have replaced religion as the heart of social life. Religion has been replaced by other factors as far as spheres of life are concerned; we are relying on material world to get answers rather than turning on religion. This is a clear indication that todays world is becoming secular. Reference Wilson, Bryan (1992) Reflections on a Many Sided Controversy Bruce, Oxford: Oxford University Press

Environmental Analysis of Barclays Bank Plc Essay Example

Environmental Analysis of Barclays Bank Plc Essay Example Environmental Analysis of Barclays Bank Plc Paper Environmental Analysis of Barclays Bank Plc Paper They face increasingly well- informed and energetic customers, determined legislators, and electorates ho are becoming environmentally aware. They have to adapt to changing economic and market conditions, fast changing consumer needs and expectations. Their business is influenced by global economic, political, regulatory, technological and other unpredictable factors. Consequently, they have to device their strategies, policies and operations to adapt to these changes in order to meet stakeholder expectations and satisfy consumer needs. In this assignment, try to describe and evaluate changing business environment of Barclay Bank Pal over the last five years. INTRODUCTION About Barclay Bank Pal Barclay is a major global financial services provider engaged in retail banking, credit cards, corporate banking investment banking, wealth management and investment management services with an extensive international presence in Europe, the Americas, Africa and Asia. Barclay Group headquarters is at 1 Churchill Place in London, UK, but it has operations all over the world, with products and services to meet the needs of customers and clients in local markets. With over 300 years of history and expertise in banking, Barclay operates in over 50 countries and employs more than 144,000 people. Barclay moves, lends, invests and retests money for more than 48 million customers and clients worldwide. Organizational structure Barclay is made up of Clusters: Global Retail Banking, and Corporate and Investment Banking and Wealth Management, each of which has a number of Business Units. The third major area of the business is Group Centre, which comprises all our essential support functions. I-J Banking Industry Auks banking sector, following the IIS and Japan, is the worlds third largest and considered foremost in terms of: efficiency, dynamism and return on capital. In addition to having one of the largest commercial banking industries, the UK is also a major international centre for investment and private banking. The UK banking sectors strong international orientation is reflected in the substantial foreign presence and sizeable assets of foreign banks in London. It services 95% of the population with about 3. 5% of Auks workforce over a million workers. Banks and financial services contribute E ban to the Auks national output (6. 8% of GAP) and provide 25% Of total corporation tax (Been) to the UK Government. The main retail banks provide over mm accounts, clear ban transactions a year and facilitate 2. Ban cash tetrahedral per year from its network of over 30,000 free Atoms. Banks in the UK contribute well over El mm per year to charities and local community initiatives. UK banks are authorized and regulated by Financial Services Authority under the Financial Services and Markets Act 2000 (FSML). Financial Services Authority is an independent non-governmental body which exercises statutory powers under the FSML. The FSML requires the FSP to pursue four objectives: to maintain confidence in the UK financial system; to promote public understanding of the financial system; to secure an appropriate degree f protection for consumers whilst recognizing their own responsibilities; and to reduce the scope for financial crime. Banks of England is responsible for maintaining overall stability of the financial system a whole. The Bank sets interest rates of UK and is also responsible for identifying and limiting systemic financial risk. ANALYSIS Barclay bank operates almost all over the world and hence its actions are influenced by the global economic conditions. Have used PESTLE framework to describe and evaluate business environment of Barclay Bank pal. It categorizes environmental factors into six main types: political, economic, social, technological, environmental and legal. Lattice * Government stability * Taxation policy * Foreign trade regulations * Social welfare policies Economic factors * Business cycles * GNP trends * Interest rates * Money supply * Income distribution * Social mobility * Lifestyle changes * Attitudes to work and leisure * Consumerism * Levels of education Technological * Government spending on research * Government and industry focus on technological effort * New discoveries/dev elopment * Speed of technology transfer * Rates of obsolescence Environmental * Environmental protection laws * Waste disposal Energy consumption Legal * Monopolies legislation * Employment law * Health and safety * product safety The change in the business environment of Barclay bank The collapse of a global housing bubble, which peaked in the IS. S. In 2006, caused the values of securities tied to real estate pricing to plummet thereafter, damaging financial institutions globally. Questions regarding bank solvency, declines in credit availability, and damaged investor confidence had an impact on global stock markets, where securities suffered large losses during late 2008 and early 2009. Economy sees worldwide slowed during this erred as credit tightened and international trade declined. Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion, and institutional bailouts. The subsequent emergence of a wider set of credit problems in mortgages and in corporate lending, and in particular in commercial real estate generated credit capacity constraints and economic slowdown. An initial focus on funding problems, with the failure of Northern Rock caused not by immediately evident solvency/credit quality problems, but by the drying up of the market for both securities credit assets and wholesale funding availability. Such funding issues were also critical to the problems of Bradford ; Bentley and HOBOS in September/October 2008. The UK economy was officially declared to be in recession on 6th May 2009. The Office of National Statistics said that Gross domestic product (GAP) fell by 1. 5% in the last three months of 2008, after a 0. 6% contraction in the previous quarter. Recession is generally defined as two quarters of successive contractions in GAP, which means the UK had been in recession since July 2008. Industrial production fell by a massive 3. 9 per cent over the quarter, while the dominant set-vices sector fell by one per cent. Unemployment had also risen to 2. 47 million in the three months to July 2009. It Was at its highest level in 14 years since May 1995. The KICK economy came out of recession in 2010, after figures showed it had grown by 0. % in the last three months of 2009. In the second week of January 201 0, UK unemployment fell for the first time in 18 month. The Auks production and service sectors each grew by 0. 1% during the quarter. The UK recession began in the April-to-June quarter of 2008, and was the longest I-J recession on record. During 18 months of re cession, public borrowing increased to an estimated El ban, while output slumped by 6%. Impact on Barclay Banks performance Barclay announced record profits of more than Ell billion for 2009 a 92% rise on the previous year. Its performance driven largely by a strong revival in its investment banking arm Barclay Capital. Profits were also boosted by sale of fund management business Barclay Global Investors, and the addition of the New York operations of failed investment bank Lehman Brothers at the end of 2008. The BIG sale added E. 3 billion to pre-tax profits. Barclay Capital contributed E. 5 billion of the banks underlying profit of E. 3 billion which was 13% down on sasss E billion. However, the banks profit was highly affected by the global economic slowdown and deteriorating economic conditions in the UK. Its UK Retail Banking profit before tax in 2009 decreased 55% (E mm) to Emma (2008: El mm), impacted by low interest rates resulting in margin compression on the deposit book and increased impairment charges which together more than offset well controlled costs and an improved assets margin. Impairment charges rose to Emma (2008: Emma), reflecting the impact of the economic recession across the business with continued pressure on corporate liquidity, rising default rates and lower set values. Barclay enforced strict criteria on new credit card applications, using a scoring system that takes over 400 variables into account when assessing an applicants likely ability to manage their credit. Around 50% of applications for credit cards are declined as a result. Strong income growth (2009) across the portfolio driven by increased lending, improved margins and foreign exchange gains, was offset by higher impairment charges, driven by the deterioration in the global economy. Impairment charges in the international businesses increased Emma, driven by higher delinquencies due to deteriorating economic conditions. UK portfolio charges were higher as a result of rising delinquencies due to the economic deterioration, especially in the loan portfolios, and the inclusion of Goldfish in UK Cards. The impairment charge in Global Retail and Commercial Banking increased by 85% (E,mm) to E,mm (2008: E,mm) as charges rose in all portfolios, reflecting deteriorating credit conditions across all regions. Impairment charges on loans and advances increased 50% (E,mm) to E,mm (2008: E,91 mm). The increase was primarily due to economic deterioration and portfolio maturation, currency movements and theology enhancements, partially offset by a contraction in loan balances. In Investment Banking and Investment Management, impairment was broadly unchanged at El ,mm (2008: El ,mm). The impairment charge against available for sale assets and reversed repurchase agreements increased by 41 % (Emma) to Emma (2008: Emma), driven by impairment against credit market exposures. Political During 2008, the UK government acted in the banking sector to recapitulate banks and guarantee toxic assets and deposits and new lending for essential infrastructure programmers. This was essential to shore up lending for nonusers and businesses and restore confidence in banks. Also it was vital to avoid the unprecedented banking crisis having even more wide reaching and catastrophic effects in the wider economy. This decision was not taken lightly and wasnt considered an easy ride for the banks. Banks wishing to participate in the Asset protection Scheme for example had to make additional lending to households and businesses. But the overarching priority in the banking sector was first to ensure the continuing supply of credit to the wider economy. This means returning the banks to solvency and profitability, ND maintaining financial stability. On 13th October 2008, the government nationalized the Royal Bank of Scotland (ORBS), taking up a 63 % stake in exchange for EWE billion of taxpayers money (now 84% owned by the government) on condition that no executive bonuses paid during 2008; no dividend until the governments Been of preference shares are repaid and the government appointed three directors; ORBS had to maintain mortgage lending at 2007 levels. On 31st October 2008, Business secretary Lord Mandelas waived competition law for takeover of Lloyd Tats takeover of Halifax Bank of Scotland creating the fourth biggest bank of Britain to calm uncertainty about the strength of HOBOS after a run on its shares. The combined bank accounts for a third of the mortgage market. Although the merged bank is smaller than Barclay, HASH and Royal Bank of Scotland, because it has less of an international profile than the Other banks, it is the market leader in terms Of savings by a huge margin. In order to shore up confidence in the banking system during 2008, the government injected money into Lloyd TTS Bank (E. Ban) and HOBOS (El 1 ban) and became owner of 43. % of the combined roof, directors were asked to receive sasss bonus in shares; no dividend until preference shares are repaid; government appointed two directors; Lloyd asked to maintain mortgage lending at 2007 levels for next three years. As the Financial Services Authority increased the capital ratio requirements for all UK banks, Barclay had been forced to raise E. 2 billion from Middle Eastern Investors on generous terms. A further El . Ban was being raised from institutional investors to strengthen its balance sheet. Chancellor Alistair Darling introduced a temporary one-off super-tax of 50% n bankers bonuses paid above E25000 between December 2009 and April 2010. Bankers still had to pay income tax on any bonus they receive as usual. The new tax was designed to discourage banks from awarding large bonuses to employees in the wake of the major taxpayer support they have received in the financial crisis. Consequently, Barclay paid IEEE million in windfall bonus tax for 2009. Sociological According to British Retail Consortium (BRB), more people are using cash to pay for their purchases amid growing consumer concerns about how much money they are spending. The global credit crunch is causing consumers to e more cautious with their money. Figures from the organization showed that cash was used for 60 per cent of all transactions during 2008, an increase of 54 per cent from 2007. Cash represented 34 per cent of all money spent in the retail sector during 2008, compared with 32 per cent in 2007. According to BRB, peoples enthusiasm for using cards is slipping as they are not only reluctant to borrow but also reluctant to use cards. A survey released on 22nd January 2009 by communications consultants Cohn ; Wolfe revealed the full scale of LIKE consumers anger with financial institutions. I-J consumers perceive their banks to be greedy and impersonal, according to the survey, which polled 852 consumers in January 2009. The study also revealed that 60% of consumers dont believe that their bank is looking after their best interests. When asked which words best describe the perception of their financial institution, consumers identified greedy (49%), impersonal (36%) and distant (34%). Positive and desired descriptions including ethical (2%), trustworthy (4%) and transparent (5%) were among the least common terms used by consumers to describe their financial institutions. Almost two thirds (64%) of respondents trust in financial institutions had weakened over the last 18 months. A lack of confidence in banks was further emphasized with 74% of consumers saying that they do not believe that their bank would help them recover any money they had lost in 2008. Respondents also identified the financial services they trusted most. Retail banks were comfortably (59%) the most trusted type of financial service. At the other end of the scale, investment broker (2%), insurance providers (5%), online financial service providers and supermarket retailers (both 6%) come off worst. Due to such negative attitude towards ban king industry and intense public interest and concern for banks and bankers pay, Barclay chief executive John Barley and president Bob Diamond both agreed to sacrifice bonuses for two years, 2008 and 2009. In late 2004, Chip ; PIN technology was introduced as a strategic response to tackle counterfeit and lost ; stolen card fraud in the face-to- face environment. Up until this point, UK consumers signed for their goods and services and only used their PIN for ATM withdrawals. During 2007, Barclay sent out PIN sentry machines to over half a million customers in an tempt to prevent online banking fraud. The PIN sentry reader is meant to be used once an online account holder has logged in to the banking site. After logging in, customers slot their bank debit card into the card reader, which generates a unique code which they must input before making a transaction. Also, retailers and banks are using more fraud screening detection tools and online fraud prevention tools, such as Mastered Secured and Verified by Visa, which make cards more secure when people are shopping online. This led to phone, internet and mail order fraud losses falling 19 percent from IEEE. Million in 2008 to IEEE. 4 million in 2009. Environmental Climate change has become the single biggest challenge the world faces at the beginning of the 21st century, and in response Barclay is focusing increasingly on its work on the environment, which includes both its direct and indirect impacts. Barclay remains committed to increasing its energy efficiency, and reducing its carbon footprint on an ongoing basis, as well as helping its supply chain reduces its emissions. In 2007, it invested in emissions trading capability, and moved into the consumer market with new lower-carbon products and services. An example is Barbarically Breathe, a new card that gives consumers incentives when they buy green products, and donates half its profits to environmental projects. In the wholesale market Barclay Capital has committed to the ELI emissions trading market to brings its full range of commodity trading and risk management expertise to bear to help clients manage their carbon risk. Since 2005 it has traded over 600 million tones of carbon credits, with a notional value of over $14 billion. Gal factors The global financial crisis resulted in a significant tightening of regulation and changes to regulatory structures globally. The changes in the legal framework, policies and banking r egulatory action, have an impact on Barclay businesses and earnings. The market for payment protection insurance (PIP) has been under scrutiny by the UK competition authorities and financial services regulators. In 2006, the FSP published the outcome of its broad industry thematic review of PIP sales practices in which it concluded that some firms fail to treat customers fairly and that the FSP would strengthen its actions against such firms. Barclay voluntarily complied with the Fags request to cease selling single premium PIP by the end of January 2009. On 21st February, the UK government introduced Banking Act 2009 which provides the Authorities with tools to deal with failing banks and building societies. The Banking Act provides a permanent and appropriate regime for the resolution of failing banks. It is a major step forward in the Governments programmer to strengthen stability and confidence in the UK banking system, in the wake Of the global instability experienced by financial markets. In order to discourage excessive risk taking by large banks, FSP published its new Remuneration Code of Practice in August 2009. The code states that firms should not encourage risk taking to generate short-term profit the focus should be on long term success. It required firms to give pay details to FSP so that it can monitor compliance. Barclay discretionary pay awards for 2009 were fully compliant with the FSP Remuneration Code which resulted in an increase in the deferred awards by approximately 70% and greater use of equity in deferral structures, particularly to senior staff. 100% of the discretionary pay awards for 2009 to its Executive Committee were deferred. RECOMMENDATION From previous chapters it becomes clear that Barclay bank operates in unpredictable and volatile business environment. In such circumstances, it is highly recommended that it should be clear about its strategic framework for the coming years and should maintain a sound financial and organizational footing that anticipates and adapts to the regulatory changes. It can achieve superior growth by diversifying its profit base by geography and by business line. It should focus intensely on cost reduction and risk management. It is required to create the internal framework, processes and culture to respond rapidly to new opportunities, threats and regulations. It is also required to re- establish trust and relationship with customers by fulfilling their needs with reduce innovation and customer centric approach. CONCLUSION The global economic slowdown and subsequent recession in UK and in many other countries of the world have changed the business environment in substantial way. Barclay Bank operates in a business environment which is highly influenced by political, economical, coloratura, technological, environmental and legal factors. In order to compete successfully, it has to adapt to changing business environment. Its performance in last five years shows that it has the ability to run the business profitably even in such deteriorating economic conditions where other players in the market trudged to survive. However, it needs to undertake a balanced set of strategic initiatives in such unpredictable and extreme volatile business environment which is beyond the organizational control.

The Best AP US History Notes to Study With

The Best AP US History Notes to Study With SAT / ACT Prep Online Guides and Tips Want some notes to help break down your AP US History class? Or are you looking to brush up on a historical period you’re having a hard time remembering? We have detailed notes organized by US History units, which fit under the most recent 2015-16 AP US History guidelines. Read on to get help with AP US History and be prepared for the test. Wait, What? New AP US History Guidelines? Yes, the AP US History course has undergone some revision. For the 2015-16 school year, the APUSH course will be using revised guidelines. These guidelines build on revisions in recent years to make the class more skills-based, though the most recent changes were affected by a political controversy. These new guidelines are in response to a controversy regarding the curriculum raised by political conservatives. In short, conservatives thought the curriculum was an overly negative look at US History that didn’t emphasize ideas like American exceptionalism. You can read a summary of the controversy here if you’re interested. Regardless of how the new guidelines came about or how you feel about them, the reality is that APUSH now has new guidelines we have to work with. We will briefly break down these new guidelines before getting into the chronology of US History and notes. AP US History has three broad learning objectives: historical thinking skills (basically how you analyze what you learn), thematic learning objectives (themes to look for in each period of US History), and finally the concept outline (the traditional division of US History by time periods). We will go over the first two areas (historical thinking skills and thematic learning objectives) so you know what to look for as you dig into the notes, which are chronological and thus fall under the third objective. You can read the complete description of the new guidelines here if you’re curious about the changes. Historical Thinking Skills The AP program wants to help US History students develop historical thinking skills, rather than just memorize a string of facts about a certain place or time period. Especially since AP US History is notorious for requiring students to memorize tons of dates, facts, and names, the new curriculum aims to develop history skills so the course isn’t mostly memorization-based. Each APUSH exam question will test one or more of these skill-based objectives as well as one or more of the thematic objectives. So keep these skills in mind as you go through the chronological notes. Your AP US History teacher should be working on these skills with your class. If they’re not, we recommend getting a prep book, which will review the skills in detail and show you how to demonstrate them in the essays. The skills are as follows: Analyzing historical primary and secondary sources and evidence: this skill teaches you to compare the content of a source with the authorship, point of view, purpose, audience, and format or medium of a source. You also have to decide how useful or flawed the source is as historical evidence. Making historical connections: can you compare, contextualize, and synthesize various historical developments? Chronological reasoning: you'll learn to identify causation and patterns of continuity and change over time. You'll also learn about periodization (how historians create different chronological periods and why that matters). Creating and supporting an argument: you'll learn how to define and frame a question about the past and then make a claim or argument about that question. A strong historical argument requires a specific thesis or claim, supported by detailed analysis of different types of historical evidence. The argument and evidence used should be framed around the application of a specific historical thinking skill (comparison, causation, patterns of continuity and change over time, or periodization). Thematic Learning Objectives Beyond just the basic facts of US History and broad historical thinking skills, the AP program wants you to get a bigger-picture understanding of major themes and developments across America’s history, like you would in a college course. Have you ever heard the phrase "missing the forest for the trees"? The same goes here - the AP program doesn't want you to memorize a bunch of years and names without understanding the larger relevance of them. The goal is to be able to connect these themes between different periods in US History and be able to discuss them in an essay. As we get into the concept outline, which breaks down APUSH by time periods and where we are linking to notes, think about these themes and see if you can connect them to the outline notes. These are important themes to trace throughout all of your AP US History studying! American and National Identity: how and why definitions of American and national identity and values have developed, including citizenship, constitutionalism, foreign policy, assimilation, and American exceptionalism. Politics and Power: how different social and political groups have influenced society and government in the United States, as well as how political beliefs and institutions have changed over time. Work, Exchange, and Technology: the factors behind the development of systems of economic exchange, particularly the role of technology, economic markets, and government. Culture and Society: the roles that ideas, beliefs, social mores, and creative expression have played in shaping the United States, as well as how various identities, cultures, and values have been preserved or changed in different contexts of U.S. history. Migration and Settlement: why and how the various people who moved to and within the United States both adapted to and transformed their new social and physical environments. Geography and the Environment: the role of geography and both the natural and human-made environments on social and political developments in what would become the United States. America in the World: the interactions between nations that affected North American history in the colonial period, and on the influence of the United States on world affairs. The Concept Outline by Time Period Finally, the AP US History course is organized by chronological periods as well as the historical skills and themes discussed above. In other words, this is your basic "first A happened, then B, then C" structure you're probably used to from past history classes, the specific dates, names, and events of history. After all, a great essay about the development of democracy in America would be weakened if you didn't know the year the Constitution was ratified. That was in 1788, by the way. So yes, chronology is the easiest way to think about history. But remember to think about the seven themes and try to connect them to the basic facts you're learning. For example, when thinking about secession, you should know when the Southern states seceded (in 1860 and 1861), but you could also connect the "Culture and Society" theme to explain why: "the belief in a distinctively Southern way of life and a refusal to abandon it drove the Southern states to secede." In short, understanding those themes will help you gain a broader understanding of the names and dates you're learning. Plus, being able to write about them will take your essays from good to great. These chapter outlines come from APStudyNotes.org. The source is The American Pageant, one of the best AP US History textbooks. The time periods don’t always exactly match up with AP’s guidelines, which is going to be true of most textbooks (there are only a few out there written exclusively for APUSH). But we have organized the outlines so they mostly match up with the AP US History's division of the timeline. Whether you’re using The American Pageant or not, these outlines well provide helpful overviews which can help you study either over the course of the year or in the run-up to the AP exam. 1491 - 1607 (5% of exam) The Planting of English America: 1500-1733 1607-1754 (10% of exam) Settling the Northern Colonies: 1619-1700 American Life in the Seventeenth Century: 1607-1692 1754-1800 (12% of exam) Colonial Society on the Eve of Revolution: 1700-1775 The Road to Revolution: 1763-1775 Launching the New Ship of State: 1789-1800 1800-1848 (10% of exam) The Second War for Independence and the Upsurge of Nationalism: 1812-1824 The Rise of a Mass Democracy: 1824-1840 The Ferment of Reform and Culture: 1790-1860 The South and the Slavery Controversy: 1793-1860 Manifest Destiny and Its Legacy: 1841-1848 1844-1877 (13% of exam) Renewing the Sectional Struggle: 1848-1854 Drifting Toward Disunion: 1854-1861 Girding for War, The North and the South: 1861-1865 The Furnace of Civil War: 1861-1865 1865 - 1898 (13% of exam) Paralysis of Politics in the Gilded Age: 1869-1896 Industry Comes of Age: 1865-1900 America Moves to the City: 1865-1900 The Great West and the Agricultural Revolution: 1865-1896 1890 - 1945 (17% of exam) The Path of Empire: 1890-1899 America on the World Stage: 1899-1909 Progressivism and the Republican Roosevelt: 1901-1912 Wilsonian Progressivism at Home and Abroad: 1912-1916 The War to End War: 1917-1918 American Life in the Roaring Twenties: 1919-1929 The Politics of Boom and Bust: 1920-1932 The Great Depression and the New Deal: 1933-1939 Franklin D. Roosevelt and the Shadow of War: 1933-1941 America in World War II: 1941-1945 1945 - 1980 (15% of exam) The Cold War Begins: 1945-1952 The Eisenhower Era: 1952-1960 The Stormy Sixties: 1960-1968 The Stalemated Seventies: 1968-1980 1980 - present (5% of exam) The Resurgence of Conservatism: 1980-2000 Notice that the textbook’s chapters fall roughly within the APUSH guidelines for chronology in terms of the amount of time spent on each period. All US History textbooks approved by College Board will have good coverage of all chronological topics, so if you have chapter guides or notes from your own class's US History Textbook, you can (and should!) use those as well. What’s Next? Did you know many colleges require SAT Subject Tests to apply? Luckily you can put your AP subjects to use on these – for example you could take the US History SAT Subject Test after you study for AP US History. Find out which colleges require SAT subject tests and the best time in your high school career to take them. Also studying for the SAT/ACT? Find out when you should take the SAT/ACT and learn about the best prep books you can buy for the SAT/ACT. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Which is the true story from the life of pi Essay

Which is the true story from the life of pi - Essay Example After sometimes, only the strong animals seem to survive in the jungle. Pi watches helplessly as the spotted hyena kills the zebra. The tiger nonetheless is amused by the act of hyena. The tiger, Richard Parker, due to his friendly nature, subsequently dispatches the orang-utan before it. Secondly, the tiger is a naturally interdependent animal in habit (Baker & Margaret 85). Pi, through his book, sets about conditioning the tiger through his appealing and rewarding behaviour. He offers the tiger food and fresh water so that the two can co-exist in the boat. Tiger and Pi remain on the verge of starvation for a few months. This was not until they realized an uncharted island, which is packed with bountiful meerkat population and fresh vegetation. After a little survival on fresh vegetables, Tiger and Pi got their way out of starvation by identifying carnivore’s algae along the island (Martel 342). These algae nonetheless were acidic hence would consume them when the storm comes. Pi and tiger, therefore, took fresh vegetables and sailed away in fear of being consumed by the island’s acidity. They were in Mexican coast when their lifeboat made a landfall again. These two friends were malnourished and starved at that moment. As Pi collapses on the beach, Pe ter Parker (Bengal Tiger) ungratefully walks into the jungle without glancing back at his malnourished friend. Perhaps this was in fear of the Mexican authorities or maybe a theme portraying the ungrateful nature of human beings after being helped in the times of dire needs (Martel 53). In the human story version, two different natures of tiger’s habits emerge. These characteristics include self-preservation and revenge. In the human version of Pi’s tale, the cargo ship still sinks. In this scenario, the animalistic version changes when Pi’s mother (Gita), an injured Japanese sailor, and the ship’s overwhelming cook join him in the boat (Martel 135). After some time, survival for the

NUTRITION FOR AN ACTIVE LIFESTYLE Essay Example | Topics and Well Written Essays - 3000 words

NUTRITION FOR AN ACTIVE LIFESTYLE - Essay Example Water is the main component that keeps the volume of the blood in the body. DEHYDRATION AND HYDRATION: Because of the vital roles of water in the body functioning, keeping the fluid level of the body is important for athletes who exercise or practice for long hours. A workout under the duration of thirty minutes can get on with water only, but beyond that water loss from the body will lead to dehydration. For athletes probably the most important nutritional concern is fluid replacement. The main loss of water from the body is due to perspiration. In water sports like swimming, one will not even know the loss of water through perspiration as perspiration is rather invisible here. According to various studies if one loses water up to two or more percent of ones body weight ( water makes 60% of the body weight) due to sweating ( If the athlete weigh 50 Kilograms and if he loses one litre sweat ) , that will lead to a drop in blood volume. This will force the heart to work harder to pump the blood through the arteries. This is the extreme situation of dehydrati on. This leads to muscle cramps. The functioning of the brain heavily depends on water as pointed out by K.G styles, the hydration technique expert (http://EzineArticles.com/ ), and thus dehydration affects the brain leading to fatigue and dizziness. If not rehydrated immediately this situation may even lead to heat illnesses like Heat Stroke and Heat Exhaustion. In addition to excessive sweating, other causes of dehydration are inadequate fluid intake, failure to replace fluid losses during and after the exercises, working out in dry hot weather, in the open, and drinking only when one is thirsty. According to, Ron.j. Maughan and Robert Murray, though we usually take care of the dehydration due to sweat lose during exercises, not much scientific interest is shown to study the pre exercise dehydration. Pre exercise dehydration may be due to

Mart :: essays research papers

  Ã‚  Ã‚  Ã‚  Ã‚  The largest and most successful company in the world is now being ridiculed for the way in which it has risen to the top. Wal-Mart is accused of setting a bad example for American companies by squeezing producers for low prices, outsourcing manufacturing jobs, discriminating in the workplace and for the inhumane treatment of employees. What these critics don’t understand is that there are positive aspects to what Wal-Mart is doing. Wal-Mart is good for America because it embodies capitalism. It constantly improves the productivity of American retailing, encourages competition and outsourcing, provides quality items at a low cost, is a stepping stone for retail workers, and creates business opportunities for other companies. Voted â€Å"America’s Largest Corporate Cash Giver† by Forbes magazine in 2003, Wal-Mart is also very generous to charities around the world. Wal-Mart is not detrimental to our economy or our country. It is a fundamental puzzle piece that is merely a strong player in today’s neoliberal game of capitalism. Lets face it, the good old days when producers dictated what appeared on the shelves of stores is now over, and in place is a buyer-driven chain where the consumer dominates. Now you have the choice of what to buy, where to buy it, and for the price you want. That is the great thing about global capitalism, it sparks competition.   Ã‚  Ã‚  Ã‚  Ã‚  Competition in the market is a good thing for consumers and helps achieve the lowest prices one can possibly find anywhere in the world. Wal-Mart is driving prices down through its competitive bargaining strategy for its manufacturing costs. By holding prices at a low level, inflationary pressures are relieved and the economy is a lot steadier.   Ã‚  Ã‚  Ã‚  Ã‚  By selling items for less than average, Wal-Mart allows its customers to acquire more than normal when shopping in the store. Lower prices also mean more money is left in the pockets of consumers. This allows opportunities for businesses of all types. If the consumer doesn’t spend all their money at Wal-Mart, they will most likely go out and spend it somewhere else. That means more money spread across the economy.   Ã‚  Ã‚  Ã‚  Ã‚  The low prices we enjoy at Wal-Mart indirectly come from the outsourcing of American manufacturing jobs. By sending low skilled jobs overseas, the overall prices of items decline tremendously. Some Americans will be left without a job for a short period, but it is through outsourcing that the global economy becomes most efficient.

Checks and Balances on the American Government

Tatianna Orozco P. 2 Checks and Balances The six basic principles of the constitution are popular sovereignty, limited government, separation of powers, judicial review, federalism, and checks and balances. Checks and balances is the amount of power assigned to each branch (executive, legislative, and judicial) to keep them balanced. This concept was popularized by Baron Montesquieu to keep the French government from corrupting and was brought to the American government. Over the 200 plus years checks and balances has been in act, it has been very effective through impeachment, laws, and military actions.When it comes to impeachment, the system of checks and balances is very effective. The president can be impeached by the House of Representatives. During the impeachment, the Chief of Justice sits a President of the Senate. So, this is a check on the executive branch. In impeachment, legislative branch holds the power. The legislative branch represents the people which provides a che ck upon itself and the judicial branch. As a result of the legislative branch holding most of the power, it allows the people to have a connected sense especially when it comes to voting.Checks and balances is very effective through lawmaking. If the president decides to veto a bill, congress may override the veto by a 2/3 vote of both houses. This puts a check on the executive branch. In a case where the president does not sign a bill within 10 days it automatically becomes a law. Because of congress having most of the power over lawmaking, it gives the people of this country can have assurance over injury. Military actions are another way checks and balances are effective in equality of two branches.The executive branch puts a check on the legislative branch by the president being commander in chief of the military. Even though the president is chief of the military, only congress has the power to declare war. This is effective in the way that instead of 1 person declaring way ità ¢â‚¬â„¢s a group of people making a big decision. Along with popular sovereignty, limited government, separation of powers, judicial review, and federalism, checks and balances is effective in our government. Without checks and balances we wouldn’t have the stable government and protection we have today.

Learn About Orb Weaver Spiders, Family Araneidae

When you think of a spider, you probably picture a big, round web with its resident spider poised in the center, waiting for a hapless fly to land in the webs sticky strands. With few exceptions, you would be thinking of an orb weaver spider of the family Araneidae. The orb weavers are one of the three largest spider groups. The Family Araneidae The family Araneidae is diverse; orb weavers vary in colors, sizes, and shapes. The webs of orb weavers consist of radial strands, like spokes of a wheel, and concentric circles. Most orb weavers build their webs vertically, attaching them to branches, stems, or manmade structures. Araneidae webs may be quite large, spanning several feet in width. All members of the family Araneidae possess eight similar eyes, arranged in two rows of four eyes each. Despite this, they have rather poor eyesight and rely on vibrations within the web to alert them to meals. Orb weavers have four to six spinnerets, from which they produce strands of silk. Many orb weavers are brightly colored and have hairy or spiny legs. Classification of Orb Weavers Kingdom - AnimaliaPhylum - ArthropodaClass – ArachnidaOrder – AraneaeFamily - Araneidae The Orb Weaver Diet Like all spiders, orb weavers are carnivores. They feed primarily on insects and other small organisms entrapped in their sticky webs. Some larger orb weavers may even consume hummingbirds or frogs they’ve successfully ensnared. The Orb Weaver Life Cycle Male orb weavers occupy most of their time with finding a mate. Most males are much smaller than females, and after mating may become her next meal. The female waits on or near her web, letting the males come to her. She lays eggs in clutches of several hundred, encased in a sac. In areas with cold winters, the female orb weaver will lay a large clutch in the fall and wrap it in thick silk. She will die when the first frost arrives, leaving her babies to hatch in the spring. Orb weavers live one to two years, on average. Special Orb Weaver Adaptations and Defenses The orb weavers web is a masterful creation, designed to ensnare meals efficiently. The spokes of the web are primarily non-sticky silk and serve as walkways for the spider to move about the web. The circular strands do the dirty work. Insects become stuck to these sticky threads on contact. Most orb weavers are nocturnal. During daylight hours, the spider may retreat to a nearby branch or leaf but will spin a trapline from the web. Any slight vibration of the web will travel down the trapline, alerting her to a potential catch. The orb weaver possesses venom, which she uses to immobilize her prey. When threatened by people or most anything larger than herself, an orb weavers first response is to flee. Rarely, if handled, will she bite; when she does, the bite is mild. Orb Weaver Range and Distribution Orb weaver spiders live throughout the world, with the exceptions of the Arctic and Antarctic regions. In North America, there are approximately 180 species of orb weavers. Worldwide, arachnologists describe over 3,500 species in the family Araneidae.