Review article Essay Example | Topics and Well Written Essays - 1000 words

Review article - Essay Example Studies b and c specifically aimed to examine the potential of CBPR programs whilst study a did not. Study a aimed to assess participants ability to work, this was not a concern in studies b and c. Study c aimed to use existing community-based programs designed for its subject group where as a and b designed research specific programs. poor general health. The target group previously held physically demanding jobs that put strain upon the musculoskeletal system. At the time of the study inactivity due to unemployment was presumed to have decreased the subjects’ functional capacity and musculoskeletal system. a) In the early 1990’s in Finland a recession caused major unemployment and rendered 36.7% of the construction workforce long-term unemployed. The general health of construction workers is described as poor and excessive manual labor puts heavy strain on the musculoskeletal system, decreasing functional capacity with age. Long-term unemployment was believed to have decreased functional capacity and general health even further. b) Cardiovascular disease [CVD] and Coronary Heart Disease are the number one cause of death amongst women in the developed world. Most fatalities have no previous symptoms. Public awareness of CVD in women is insufficient. Lack of physical activity impacts a 1.9 fold increase in CVD risk amongst women. shown that moderate exercise of 30+ minutes, 3-5 times a week improves health and functional ability of older adults. Additional studies had awarded 10 centres across the U.S. for best-practice in older adult activity programs. No study had yet assessed the impact of these existing programs on previously sedentary subjects. Sendentary lifestyles and related health issues are common across all three study groups but due to different reasons. The background to study b is one of major CVD fatalities in all female age groups where as studies a and

Americas Founding Documents

Americas Founding Documents The founding documents refer to the documents such as Constitution and other written instruments in which an organization is established and governed. In the United States of America, various founding documents were used to shape the United States of America. These important documents included the Constitution, Bill of rights, Declaration of Independence, primary source documents and other documents that were written between the year 1764 and 1791.The discussion is based on these founding documents of the United States of America. The constitution was written in 1787 in Philadelphia by delegates who came from 12 states. This Constitution created a federal system which composed of three separate powers and also included the concurrent and reserved powers of the states. The facilitation of the formation of the constitution was championed by James Madson.   September 1787 this law was sent to the states for the purpose of ratification where 9 out of 13 states were to ratify it to be active to the states (Fischer, D. H. 2004). The constitution was approved by many of the countrys conventions who called for the amendments especially for the areas that protect the individual rights. The constitution was apportioned into articles and sections. All the legislative powers were to be vested in a Congress of the United States and had to compose of a Senate and House Representatives. The executive power was vested in the president of the United States of America who had to hold the office for the term of four years and was to government placed together with his vice. The constitution also highlighted that the judicial power of the United States be put upon the Supreme Court whereby it was to apply the law and equity when exercising power. The bill of rights was another founding document that has by Anti-Federalists who held that this law was necessary to protect and safeguard the liberty of the individuals. The paper of reasons was the list that has been created polished the government power. About the state authority, the founders found it to be important for the people to be free in conducting worship services and have freedom of speech likewise. The freedom was made free and protected with the amendments that were fist done. Another one was the natural right of people to secure in their houses, persons, papers against any unreasonable searches. The founders also established the amendment III that prohibited any soldier to be quartered in any house without the knowledge of the owner. The founders created various founding principles as one of the founding documents. For instance, individual liberty was at all times to be supported since without right the law loses its nature, and without law, liberty loses its meaning. They came up with the principle that all men are created equal and that they are endowed by the creator with some unalienable rights such as life, happiness, and liberty. The principle of separation of powers came out in the founding document where the powers of the government were to be divided and balanced among various bodies to avoid the element of tyranny and accumulation of authority in one branch. The principle of individual liberty came out clear in these documents where an individual had right to obtain and even control possessions and the fruits of their hard labor. Primary source documents are one of the founding documents in which many written works that existed from the time of the founders is kept. This report tells the story of how the colonies gathered together in the United States of America and created the constitutional republic which has been existence for a long time (House, H. W. (Ed.). 1998). The words and ideas of the founders of the America are placed in this document. The declaration of independence document is considered as founding document that has the foundation of the American freedom. The Declaration of Independence document marked the genesis of the Republic of United States containing unalienable rights. This paper has always been a beacon to those women and men that value freedom. It has sections like a general statement of natural rights and the purpose of the government placed in it.it has the truth that illustrates all men are equal and that Creator has endowed them with certain unalienable rights such as life, a pursuit of happiness and liberty. According to the national archives documents (McCoy 1934-1968), the material brings out the idea that if any form of the government becomes destructive of these rights, the people have the right to abolish such government. The people will vote in the new state which would provide them happiness and liberty without political influence and communicate much on federal agencies. In conclusion, the founding documents in the United States have elevated the freedom and the freedom of the American citizens. The documents contain the history of the founders and guideline and guidance that the government needs to follow when governing the citizens. Documents have also established various rights and freedom of the people of the United States. References House, H. W. (Ed.). (1998). The Christian and American Law: Christianitys Impact on Americas Founding Documents and Future Direction. Kregel Publications. Fischer, D. H. (2004). Liberty and Freedom: A Visual History of Americas Founding Ideas (Vol. 3). Oxford University Press. McCoy, D. R. (1978). National Archives: Americas Ministry of Documents, 1934-1968. University of North Carolina Press, Chapel Hill.

Chaucers Canterbury Tales - Knights Tale :: Chaucer Knights Tale Essays

Chaucer's Knight's Tale: Now you See it, Now you Don't  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In the Matthean discourse on sin and the kingdom of heaven, Jesus says, "And if your eye causes you to sin, pluck it out and throw it from you; it is better for you to enter life with one eye than with two eyes to be thrown into the hell of fire." (Matt.19.9). Yet this homily is perhaps better known through the compressed poetry of the King James translation. "If thine eye offend thee, pluck it out." Grahically and even grotesquely materialized, the "eye" is that which offends, that which slides, with terrible corporeality, from the body to the table. In this proverb of the visual, "it" or that which requires excision in the offense, is the self, in an erasure of exteriority. There is no object, no objective "it" that offends. The gaze and its object are coterminous: the eye becomes the screen, the site of truth--both agent and vehicle of retributive justice. Vision never leaves the body, but sits at its margins--or only leaves it when the eye is thrown away, and the world becomes en capsulated in a broader metaphoric range: myself, the hole where my eye was, and the eye lying across the room. I begin with this embodied proverb, in part because it troubles, and has always troubled me, rising in the dark with its self-reflexive and impossible logic. It also haunts the margins of all discourse on vision, informing the point of slippage between self and object we look on, the trap, as Lacan writes, of the gaze (93). In his moving seminaires on the eye and the gaze, Lacan speaks of the all-seeing spectacle of the world, the inside-out structure of the gaze that fixes us in front of what we see (75): "What determines me, at the most profound level, in the visible, is the gaze that is outside." (106) Unlike the it of the Matthean proverb, Lacan's eye stands apart from the interplay between subject and object, the ocelli as distinct from the gaze; yet both texts seem to describe the act of vision in terms of a radical discontinuity between what we see and the self that perceives it: both have us fixed before a world--and in Matthew we respond like Oedipus, with self-castration. In Chaucer's Knigtht's Tale, a tale rich in overlays of visual narratives, one of the first accounts of the operations of the gaze effects a similar kind of inversion, one fully authorized by medieval amatory metaphysics.

Characterization of Nucleic Acids Essay

This paper is an analysis conducted on Nucleic Acids through a variety of tests specifically, Dische, Murexide, Wheeler-Johnson and Phosphate Tests in order to exemplify structural features of nucleic acids as well as identify the principle involved in each chemical test. Different procedures and different test compounds were applied, and results were noted as for changes in colors of precipitates or solutions. For Dische Test, light blue was obtained for RNA and dark violet for DNA. For Murexide Test, a yellow layer was obtained with a mixture of red color and eventually became yellow or orange after addition of warm water. For John-Wheeler Test, a violet precipitate was obtained and lastly for Phosphate Test, a yellow precipitate was obtained. Keywords: Nucleic Acids, Dische Test, Murexide Test, Phosphate Test, Wheeler-Johnson Test1. Introduction The experiment solely revolved on the identification of the different structural features that make up the complex structure of nucleic acids as well as its characterization through specific chemical tests namely Dische Test, Murexide Test, Wheeler-Johnson Test and Phosphate Test. Upon performance of the tests mentioned, the principles involved were identified and stated based on the results obtained from the experiment. 2. MethodologyMaterials such as water bath, test tubes, evaporating dish, test compounds and reagents were gathered and prepared. In Dische Test, ten (10) drops of test compound and Diphenylamine wasplaced in a test tube and heated in boiling water bath for ten minutes. Color change on the solution was noted. In Murexide Test, ten(10) drops of Guanidine was placed in a test tube. Concentrated Nitric Acid(HNO3) was added to the test compound and then brought to water bath to dry until a solid mixture is obtained. Once the mixture dried up, ten(10) drops of Potassium Hydroxide(KOH) was used to wet the reagent and then later on put to boiling water bath again to dry. After addition of KOH, color change was noted and this time, water was added to wet the mixture and put to boiling water bath again to dry. Any color change  to the precipitate was noted. For Wheeler-Johnson Test, ten(10) drops of Barium Hyrdroxide[Ba(OH)2] and Bromine Water placed in a test tube and once the mixture turned red, it was brought to boiling water bath to expel excess Bromine. More than ten(10) drops of Barium Hyrdroxide[Ba(OH)2] was added in excess and color change of the precipitate was noted. In Phosphate Test, twenty(20) drops of test compounds were placed in a porcelain crucible and two(2) drops of Potassium Nitrate(KNO3) plus  ½ spatula fusion mixture of Sodium Carbonate(NA2CO3) was added to the test compound. Mixture was heated using a Bunsen burner until the mixture turned into gray or white. After cooling the mixture, 5 mL of distilled water was added to the reagent and was transferred to a test tube acidified by ten(10) drops of concentrated Nitric Acid(HNO3). Litmus paper was then used to check for acidity and twenty(20) drops of ammonium molybdate solution was added to the reagent & warmed in water bath. Once warmed, the mixture was allowed to stand for ten minutes and formation as well as color of the precipitate was noted. After performing all the tests needed, results were tabulated and analyzed accordingly. 3. Results and Discussion Dische Test clearly indicates that DNA can be identified chemically with the Dische diphenylamine test. DNA (deoxyribonucleic acid) and RNA (ribonucleic acid) are aldehydes, which reacts with the compound, diphenylamine, to produce a blue-colored compound. A positive test for DNA is indicated by a  blue color change. This procedure involves chemical hydrolysis of DNA: when heated in acid, the reaction requires a deoxyribose sugar and therefore is specific for DNA. Under these conditions, the 2-deoxyribose is converted to w-hydroxylevulinyl. This resulted to a blue solution indicating the presence of protein in DNA. Murexide Test on the other hand gave out a yellow precipitate which indicates the presence of uric acid visible in the Guanine samples. It is a double-ringed, crystalline organic base, C5H4N4, not known to occur naturally, and is a form of uric acid heterocyclic in nature. In the Wheeler-Johnson Test, the evidence for a positive result is a violet solution and this clearly shows the concise result of the experiment performed. Cytosine was used in the test which is a Pyrimidine derivative heterocyclic in nature. Phosphate Test gave out a yellow result for the precipitate which simply means that a phosphodiester bond exists between DNA and RNA between the 3†² Carbon atom and the 5†² Carbon of the ribose sugar. 4. Conclusion From the experiment, it is therefore meant that through specific tests, it is possible to characterize structural features of nucleic acid whether it be a helix, string loop or miniband. That certain compound complements the test to be performed and will result to a concise data if performed correctly. That DNA differs from RNA in the sense that only Uracil is found in RNA and Thymine is exclusively located in the DNA though Adenine, Guanine, and Cytosine are both found on DNA & RNA.. 5. References Pratt, Charlotte W. Title Essential biochemistry / Charlotte W. Pratt. Publication info. New York: Wiley, 2004. What is DNA? : A biology adventure / written by Transnational College of LEX translated by Alan Gleason. Publication info. Boston: Language Research Foundation, c2003.

Insurance Business in Bangladesh Essay

Acknowledgement We really enjoyed working on this report . At the time of completing different parts of the report like collecting information from different source and working with the group members and then compile different parts of the report and so on. This report is a required term paper of our â€Å"Banking & Insurance† course and our honorable course faculty, Mr. Md. Amdadul Hoque is the person who has guided us throughout preparing the report . We are thankful to him and we have tried to make this report as his instruction. We would like to thank all mighty Allah for keeping everything on right track. Finally, we would like to thank our parents and friends without whose support it was impossible for us to complete the report. OBJECT OF REPORT This study addresses the findings of the prolem of insurance companies in public and private sectors in Bangladesh and to suggest policy measures for improving insurance services delivery process in Bangladesh. The following research questions were addressed: what are the ways of overcoming the problems of Insurance business in Bangladesh? Moreover, this writing will try to highlight the underlying causes behind the non-popularity of the insurance companies in Bangladesh. We also highlights the prospects of insurance business in Bangladesh. BACKGROUND OF THE INSURANCE BUSINESS IN BANGLADESH In Indian subcontenent the insursance come at the period of British. During the tine of Pakistan period there was about 49 insurance company in the country. After independence of Bangladesh, insurance industry was nationalized. Subsequently through the enactment of Insurance Corporation Act VI, 1973, two corporations namely Sadharan Bima Corporation (SBC) for general insurance and, Jiban Bima Corporation for life insurance were established in Bangladesh. SBC was acting as the sole insurer of general insurance till 1984. Between 1985 to 1988 first generation of private general insurance companies were emerged as Bangladesh Government allowed the private sector to conduct business in all areas of insurance for the first time in 1984. A total of 16 private general insurance companies were registered in that phase. In 1996 another 8 private general insurance companies were registered. The third generation of private general insurance companies, which included 18 companies, came into operation between 1999 and 2001. The general insurance market in Bangladesh now consists of 43 private sector insurance companies and 1 state owned insurance company. Insurance Corporation (amendment) Act 1990 provides that 50% of all insurance business relating to any public property or to any risk or liability appertaining to any public property shall be placed with the SBC and the remaining 50% of such business may be placed with this corporation or with any other insurers in Bangladesh. But for practical reason and in agreement with the Insurance Association of Bangladesh SBC underwrites all the public sector business and 50% of that business is distributed among the existing 43 private general insurance companies equally under National Co-insurance Scheme. INSURANCE COMPANIES IN BANGLADESH There are two types of Insurance companies in Bangladesh Genarel insurance companies in our country are as follow : Agrani Insurance Co. Ltd. Asia Pacific General Insurance. East Land Insurance Co. Ltd. Global Insurance Ltd. Home Land Insurance Co. Ltd. Janata Insurance Co. Ltd. Loyeds Insurance Company ltd. Mercantile Insurance Company ltd. Paramount Insurance Company Limited. Pioneer Insurance Company Limited. Provati Insurance Co. Ltd. Pragati Insurance Limited. Phoenix Insurance Company Ltd. Peoples Insurance Co. Ltd. Northern Generla Insurance Co. Ltd. Meghna Insurance Company Limited . Karnaphuli Insurance Co. Ltd. Islami Commercial Ins. Co. Ltd. Green Delta Insurance Co. Ltd. Federal Insurance Company Limited. Eastern Insurance Co. Ltd. Desh General Insurance Co. Standard Insurance Limited. Sonar Bangla Insurance Ltd. Sadharan Bima Corporation ltd. Samata Insurance Company ltd. South Asia Insurance Co. Ltd. Takaful Islami Insurance Ltd. Life Insurance companies in Bangladesh: American Life Insurance Company. Delta Life Insurance Company Ltd. Federal Insurance Company Limited. Jiban Bima Corporation Popular Life Insurance Company Ltd. National Life Insurance Co. Ltd. Progati Life Insurance Limited Rupali Insurance Company Limited Sunflower Life Insurance Co. Ltd. Baira Life Insurance Co. Ltd. Fareast Islami Life Insurance Co. Ltd. Home Land Life Insurance Co. Ltd. Meghna Life Insurance Co. Ltd. Padma Life Insurance Co. Ltd. Prime Insurance Company Limited Progressive Life Insurance Company Ltd. Shandhani Life Insurance Co. Ltd. PROBLEMS OF INSURANCE BUSINESS IN BANGLADESH 1.1) Lack of trustworthiness : Lack of trustworthiness is the most important barrier (71.9% respondents) in case of popularity of the insurance companies where as lengthy process in getting payment after any incident is in the second position with 62% response. It can be seen that both the stated variables are related in the sense that time killing behavior in payment after incidence is reducing the trust of the customers towards the insurance companies 1.2) Low income of the people : It was also found that the low income and purchasing power (43%) doesn’t permit the people of Bangladesh to go for an insurance policy. Practically we can easily relate the above mentioned factors. For example, in one hand the lower income of the people is creating barrier in buying insurance policy 1.3) Unattractive offerings: the insurance companies offer many types of policies but these are not attractive to the peoples for this reasons they did not take policies. They always make same types of offers this is also a reason of demotivation. 1.4) Lack of information about the insurance companies: the insurance companies are not delivering their information (regarding company and insurance policy) properly or evenly which is another problem (42.8%) in case of non-popularity of the insurance companies. 1.5) High service processing cost : The service cost of insurance business are very much higher than other business and this is also a reason of non popularity of insurance business. 1.6) Less convincing sales people: Surprisingly it was found that the sales people are doing well in convincing customers even though still 22% people believe that sales people are not that much convincing. 1.7) Lengthy process to get payment after incidents: The most important barrier in case of popularity of the insurance companies where as lengthy process in getting payment after any incident is in the second position with response. It can be seen that both the stated variables are related in the sense that time killing behavior in payment after incidence is reducing the trust of the customers towards the insurance companies. PROSPECTS OF INSURANCE BUSINESS IN BANGLADESH It is the general belief of common people that Insurance companies are not sincere in making payment and resorts many whimsical reasons for declining claims which are not taken care of while opening policy. Due to the negative attitude,the penetration rate in the industry is still very low (only 0.62% of GDP) even having immense prospects. Overall solvency position of general Insurance companies was found moderate. On analysis, it was found that 15.38% companies have poor solvency position followed by 23.07% marginal, 42.30% above average and rest 19.23% have satisfactory solvency position. Solvency position is usually determined by a good number of indicators likeequity base, exceptional loss reserve, technical reserve, internal capital generation, underwriting leverage etc. The new Insurance ordinance re-fixed the minimum paid upcapital of TK. 400 million which will have to be met within a stipulated timeframe.None in the industry is at comfort zone regarding capital as per new law. A few 1st generation companies together with the listed third generation companies have paidup capital of TK. 150 million or more. However, couple of 1st generation companies enhanced their equity base through generating exceptional loss reserve. CONCLUSION AND RECOMMENDATIONS The demographic trends suggest that as private insurance companies (both local and multinational) have proliferated in Dhaka city, better educated and more affluent people have gravitated to these insurance companies for insurance services. These people/clients are likely to have better information about the quality of services provided by both public and private insurance companies and their inclination to select private insurance companies suggests, implicitly, that the quality of service is better at these private firms even though their (private insurance companies) service cost is somewhat higher. Moreover, many branch operation of private insurance companies help the people to make evaluation among them and making an insurance decision in favor of those which are trustworthy. But between the private local and foreign insurance company choice, clients are mostly considering foreign private insurance companies due to its trustworthiness, experience in operation and wide area cove rage. Less number of branches of the public insurance companies may be another prime reason of not being preferred by the local clients. By definition, it might be more authentic if the clients were inclined towards the public insurance companies from trustworthiness point of view, but as statistics suggests in favor of choosing foreign private insurance firms, probably we have to be satisfied by saying that it is in many respect guided by client’s psychology of getting better and prompt services. The incentive structure must also play a role in ensuring the quality services delivered by the public insurance companies. One solution is to tie part of the compensation of insurance personnel in public companies to services rendered and feedback received from clients. This, of course, is a complex issue and has implications for pay scale administration, since public bank staffs, as government servants, are paid according to certain pay structures. While beyond the scope of this paper, authors feel that compensation flexibility is necessary to reward those who are dedicated to providing quality insurance services. If compensation adjustments can’t be incorporated, benefits-including promotion, transfer in more valued branches, study leave, performance bonus and the like-could be tied to performance evaluation mechanism. There must be a formal procedure of evaluating the employees by the clients through some questionnaire type performance appraisal form. A suggestion, objection or recommendation book in the branch can be introduced where the clients can even complain or appreciate about a specific employee. Public awareness and the transparency of the high official may have a positive impact on that issue. Moreover, clients have rated reference by family and friends as another very important determinant in insurance provider choice. To enhance a positive reputation of the insurance company, they can follow the strategies stated below: – Do a lot of personal selling of services to the clients and encourage existing customers to tell good about your services to the potential customers. Carefully choose personnel who interact with the customers . Positive and societal marketing activities to build and project specifi company image to maximization of popularity. Design facilities to achieve specific marketing or image objectives of the organization . Establish formal system for controlling quality of insurance services to provide specific effort to encourage customers to tell others about your services. From the political and social behavior of the people it can be said that demand for these services will be higher in near future. Even staying more with an insurance company is also dominated by many special services. Insurance companies, especially public one must think about more value added services. BIBLIOGRAPHY 01)Bangladesh Bureau of Statistics. 2004. â€Å"Report of Financial Service Providers in Bangladesh†. 02)Berri, Leonard L. (1980), â€Å"Service Marketing is Different 03)www.google.com 04)â€Å"Insurance Principiles And Practice† By M.N Mishra.