Leprechauns Dont Play Basketball Essays - Irish Folklore, Fairies

Leprechauns Don't Play Basketball January 6, 2000 Leprechauns Don't Play Basketball Debbie Dadey & Marcia Thornton Jones Letter #4 Dear Mrs. Schafer: The book Leprechauns Don't Play Basketball, is very good. It is about four kids that are trying to find out if their teacher is really a vampier and if their P.E. sub is really a leprechaun. Howies grandma is from Ireland, so he thought she would know a little about leprechauns. They find out that leprechauns can only be away for three days. Also, that the leprechauns stole a brooch from the vampier and then the vampier got it back, so now the leprechauns are trying to get the green brooch. Their teacher Mrs. Jeepers is the vampier who stole the green brooch and is wearing it around her neck, and Mr. O'Grady the P.E. sub is trying to get it. Finally, at the end he doesn't get it and leaves and he says that the school is not big enough for a leprechaun and a vampier. My reaction to this book was, I really thought it was good. I loved this book because it was easy to read and understand. I would recommend this book to people who like short books. My favorite part was when Howie and them were talking to his grandma. The author did not use any writting styles. My favorite character was Eddie. I liked the way he played all of his practical jokes. I think I would of reacted to the conflict the same, because I would of helped my homeroom teacher before my P.E. teacher.

The Singular Possessive Apostrophe

The Singular Possessive Apostrophe The Singular Possessive Apostrophe The Singular Possessive Apostrophe By Maeve Maddox A reader asks, Could you please do a post on possessives versus plurals? Im seeing this mistake more and more, to the point where I saw someone use an apostrophe for a plural on a billboard. That wretched, wretched apostrophe! Why can’t we get it straight? The answer is complicated. In this post I’ll explain why the apostrophe is used to form the singular possessive. Its use with plurals will have to wait for another post. The apostrophe came into English from French in the 16th century. The French used the apostrophe to indicate elision: the dropping of a vowel letter. For example, in French l’heure, (â€Å"the hour†), the apostrophe stands in place of the a of the article la. English writers use the apostrophe in the same way, to replace letters in contractions like don’t for â€Å"do not,† and I’ll for â€Å"I will† or â€Å"I shall.† The use of the apostrophe in English would have been straightforward and not at all confusing if it hadn’t been for a complication already existing in the language: the breakdown of noun inflections. In Old English, nouns were spelled with different endings to indicate possession and number (singular or plural). Where modern English uses the apostrophe to show possession, OE used inflections. Here’s a rough idea; king’s horse = mearh cyninges (horse of king) king’s horses = mearas cyninges (horses of king) The -es inflection on cyninges is the equivalent of modern ’s. kings’ horses = mearas cyninga (horses of kings) Cyniga is plural; the inflection -a is the equivalent of putting an apostrophe on the plural kings. The loss of noun inflections has simplified English grammar, but it has also lumbered us with apostrophes to show possession. As early at the 13th century–long before the arrival of the apostrophe–English speakers had become confused about the possessive. Spoken, the possessive ending sounded like â€Å"is.† For example, â€Å"the kinges horse† sounded like â€Å"the king is horse.† Because the pronoun his was pronounced â€Å"is† in unstressed positions, the mistaken idea grew up that the possessive was formed of a noun plus his. In time, this notion enabled Shakespeare and his contemporaries to write constructions like this: [against] the count his galleys I did some service –Othello When the apostrophe was introduced into English orthography in the 16th century, constructions like â€Å"the count his galleys,† â€Å"James his throne,† and â€Å"the king his horse† gave way to â€Å"the count’s galleys,† â€Å"James’s throne,† and â€Å"the king’s horse.† In the mistaken notion that the apostrophe was replacing the word his, the singular possessive was born. The French sagely managed to avoid getting the apostrophe mixed up with the possessive by sticking with the â€Å"of the† construction, as in â€Å"la plume de ma tante†: â€Å"the pen of my aunt† (i.e., my aunt’s pen). We could save ourselves a lot of apostrophe grief by going back to â€Å"the horse of the king† and â€Å"the horses of the kings.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:100 Beautiful and Ugly Words26 Feel-Good Words8 Great Podcasts for Writers and Book Authors

Do EU trade policies help or hurt developing countries Essay

Do EU trade policies help or hurt developing countries - Essay Example By 2002, EC was already in more than 50 out of about 172 such arrangements around the globe thus maintain economic and trade relations with a myriad of economies in the developed, developing and even less developed economies. The EU has been keen as a positive force to generate economic prosperity for its member states. To the developing economies, EC has maintained preferential trade arrangements under the Generalized System of Preferences (GSP) while to most less developed countries, trade arrangements have largely been guided by the Cotonou Agreement, which succeeded the Lome’ Convention (Bhagwati, Greenaway, & Panagariya, 1998, p.1128-1148). EU’s trade arrangement within the Euro zone encompasses a common currency, common external tariff, common agricultural and competition policies as well as common rules on freedom of goods and services, capital and people. EU has entered into other trade agreements with countries and regions in other continents of the world. Among these is the European Economic Area (EEA) that extends the EU market to three countries, which are members of the EFTA . Another arrangement is the Customs Unions with countries such as Malta, Cyprus and Turkey. EU has also got several Free Trade Area (FTA) arrangements with a number of countries and regions around the world, but these are at different implementation levels. These include countries such as Tunisia, Egypt, Israel, and Morocco under the Euro-Mediterranean Association, while Denmark, Switzerland, Iceland, Mexico and Chile are under the FTA arrangement among others. There is also the Mediterranean partnership where EU relates with several associates in the southern and Eastern Mediterranean. This particular trade arrangement aims to achieve FTA in line with provisions of the WTO through entering into various bilateral agreements starting with a series of association agreements. It also aimed at the expansion of the EU financial assistance to USD 4.7 billion over a period of 5 years from 1995 within EU-Mediterranean partnership. The ACP (Africa, Caribbean and Pacific) preference is another set of trade arrangements by the EU where it provides one way trade preferences for more than seventy countries in Africa, Caribbean and Pacific. These preferences are, however, not available to all developed countries in these regions and do not also apply to only least developed economies, for example. Thus, contravene the provision of the WTO regarding discriminatory practices, equity and fairness (Devisscher, 2011, p. 60). As per the United Nations rankings, 39 of the ACP economies are under the least developed category. Finally, GSP preferences by EU to a number of least developed countries exist as stipulated under the GSP provisions of the WTO. The EU’s GSP arrangement contains the ‘Everything but Arms’ (EBA) initiative for the least developed economies as well as general arrangements that are available to all developing countries and apply to non-sensitive products that come duty free. There are also the special arrangements under the Environmental and Social clauses, which apply to sensitive products only. Special incentives under the environmental clause apply to developing countr

Unit 4 PP Mini Coursework Example | Topics and Well Written Essays - 250 words

Unit 4 PP Mini - Coursework Example Accidents during the erection of the tent, destruction of property during the party, fighting and other violent acts, breaking of bottles and glasses, and cuts resulting from the acts are some of the risks identified. Accidents during the preparation of the tent, cuts, and an arising medical condition require an articulate risk management strategy. While caution and guidance is required, the occurrence of such issues demands immediate first aid. As such, first aid kits and an efficient first aid individual or staff is essential for the alleviation of the possible detrimental effects that can arise. The team need to be alert and available throughout the process. Therefore, it should be a member of the planning team (Royer, 2013). In addition, violent acts and unruly behaviour, destruction of property, breaking of glasses and other acts are risks that need prioritization. These acts would most likely result from young adults enchanted by the prohibited. Such acts can be curbed by availing a security personnel during the event.The security personnel will be well equipped to ascertain minimal disruptive, with certainty of no serious effects. For instance, while it may be impossible to prevent unexpected behaviour, the personnel will ensure that such actions will not get out of hand to cause harm or destruction (Royer, 2013). The prioritization of the risks will lead to certainty in the implementation of the risk management plan. However, proper financing is critical to the success. As such, there will be need to ensure that the $500 budget will meet all the specifics of the party and stand efficiently for the risk management

Written analysis of Enron Essay Example | Topics and Well Written Essays - 750 words

Written analysis of Enron - Essay Example lves a recent decision by Fair Work Australia (FWA) that the termination of the employment of an employee who has served for long in a firm as a result of breach of the golden safety rules was not harsh, unjust and unreasonable. Karratha Gas Plant site conducted activities in potentially hazardous conditions and had a system to mitigate these risks which require permits as part of the Golden Rules of the company. Mr. Chadwick was employed for 15 years by Woodside Energy Limited at this plant and was working as a maintenance technician. The plant operated with a work permit which formed part of the Golden Safety Rules and Chadwick had been issued with work permit for 7 days to perform hot work which required him to liaise with the control panel before commencing work at any time to ensure that work was done safely. Hours before the expiry of the permit, Mr. Chadwick and another employee arrived at the site before the opening of the permit hut and without consulting the higher management or the panel operator as was the requirement of the permit. They knew the permit hut would open in two hours’ time and thus he obtained a further permit later that day. He claimed that he knew the condition of the relevant permit and he had worked on the same LNG tank on previous occasions and therefore felt that he could meet the conditions without exposing himself or other people to danger. His employment was terminated for breaching the Golden Rule and this action was contested by Chadwick as being harsh, unjust and unreasonable in all contexts. The Deputy President McCarthy held that the Golden Rule had been obtained from standards which had been developed in the oil and gas industry back in 1988 after the Piper Alpha disaster in the North Sea that had led to the death of165 people. This disaster had involved an accumulation of management error and a failure of the permit to work that had not ensured good system of communication. In considering whether the termination was

The e-banking

The e-banking 1.1 INTRODUCTION This Chapter is begins with a brief introductory of E-banking. The section 1.2 provides overview of the E-banking. Next, for the Section 1.3 problem statement which is fully elaborates. Following that, Section 1.4 states the research objectives. In section 1.5 which is definition of term. Lastly, Section 1.6 underlies the organization of chapters. 1.2 OVERVIEW OF THE E-BANKING E-banking is term which means the process by a customer who may perform banking transactions via automated delivery banking products and services through electronic delivery channels. The development of service delivery channels such as E-banking, have created a new type of economy it also increasing knowledge strength in areas of business, and new forms of business (IGI Global, 2009). The growing of internet and telecommunication system at a global level has enabled E-banking services in bank sector. E-banking services are becoming an important part for business environment for the bank industry. The development of E-banking changing the lifestyle of banks customers towards financial transaction process. E-banking services found that the available time which is extend for normal business hour. Based on the speech of Tan Sri Zeti Aktar Aziz, (2003) concluded the differentiating banking products and services provided the new banking environment increased of choices, control security a nd accessibility. Thus, the most efficient and effective manner will be the key to determined performance of the financial institutions ability to deliver products and services. Hence, the E-banking carry out the regular activities to individual and corporate customer its now becomes a virtual banking. (Chai Lee Goi, 2005). Even those E-banking services can consider as more electronic-based, but it still strongly supports banking activities, such as communication, transaction and distribution (Peterson, Balasubramanian and Bronnrnberg, 1997). The system includes for E-banking to enable financial institution customers, individuals or business, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the internet. (Federal Financial Institutions Examination Council, n.d). The following figure 1 show the available of E-banking system. According to The Star online (2006) the electronic devices offered to access E-banking services using an electronic device, such as personal computer (PC), automated teller machine (ATM), telephone, or mobile phone. By using these electronic devices bank customers can access their banking accounts, such as internet banking, telephone banking and mobile banking. A banks customers can request information and carry out most retail banking services via computer, television or mobile phone which is the several types of E-banking services. Since 1st June 2000 Malaysia Bank has been offering E-banking when domestic banking institution were allowed to provide a full range of banking product and services over the internet. In January 2001-2002, locally incorporated foreign banks were allowed to set up communication website and transaction website. 1.3 PROBLEM STATEMENT This paper is to develop understanding of influencing factor of Electronic Banking services adoption among youth. The study of Lewis and Bingham (1991), who can be classified as youth and aged between 15 and 24 years, this group of age people who mostly using internet and mobile services. The youth are more likely adopt the new technologies. On the other hand, youth shows more interest at using the E-banking services. E-banking services is rapidly using by customer for the personal transaction purpose. More recently, young people under the age of 25 have been identified as the group showing the strongest preference for personal banking technologies and innovations (Bednar et al., 1995). This recent of year the usage of technology base service system such as internet are fully use by youth compare to older generation, but certain of them they are unnoticed to the easier of e-banking. So in this survey would like to improve the usage of e-banking with analyze the factor influencing the adoption of E-banking by younger customer. According the survey of SKMM (2008) the percentage share of the household user base across age groups is under 15 to 50 and above. The range of age group of youth around 15-19 and 20-24 resulted the percentage is higher than other age group. The age of 15-19 maintains around 17.9 percent to 18.7 percent in the 2005 to 2008. The other group of age 20-24 the usage of internet around 15.7 percent to 17.2 percent. A successful adoption of E-banking to public the most important is the service quality that delivers to customers. Hence, without a good quality of services will affect the profitability of financial institutions and the future development. According Jun and Cai (2001) most of the customers expectations through internet are still lagging, in order to increase customer loyalty are required to put a strong highlighting on their customer quality services, which are steadily growing competition in internet banking industry .Thus, Long term profitability is crucial for the loyalty of customer (Jun and Cai, 2001). According to the study of Kotler,P.R (1994) good service is referred to as service which creates satisfied customer, thus the remaining loyal and talking favorably about the bank and its online services. The most of the E-banking services need upgrade of the level of security, since the level of customer being attack is high by hackers. How the bank sector can across to the security factor if it is always problems occur? According to a survey by Siddharth Agarwal (2009), that main problem found customer have a fear of hacking of account and thus do not go for internet banking, and hence bank are trying their best by proving the best security options to the customer. 1.4 RESEARCH OBJECTIVES The objective of this study is to let youth customer more understanding the key factors that influence their adoption towards E-banking services. There are three major objectives of this study, namely: To understand the adoption of youth consumer towards E-banking services The main purpose of the study is to obtain the view, adoption of youth consumer towards E-banking services as nowadays E-banking plays an important role in bank sector. It examines the views of youth towards e-banking and identifies the responses of youth to these E-banking services. To identify the factor which youth consumer consider important in adoption of E-banking services The objective of the study is also identifying the factor towards E-banking services through youth opinion. A greater awareness for the important factor that youth consumer as important of E-banking services might be achieved through the study and banks sector are improve the services to run professionally. To investigate what are the main factors influence the adoption towards E-banking services among youth and to enhance the services quality. The study also provides the different factor influence among youth adoption E-banking services. By analyze the factor influence youth towards E-banking services bank sector might know the needs of youth to increase the usage of E-banking services. In this study, will define the types of E-banking and determine the influencing factor of E-banking services adoption among youth. In this study for one of the factor will adopt the technology acceptance models (TAM) as one of its research instrument. 1.5 CONTRIBUTION The main advantage of E-banking to customer is convenient and time-saving. Customer may access to their account information and conduct specific transactions through E-banking from a remote location, such as home or available at anytime. This study reflects upon opportunities to understand the E-banking services to gain more knowledge about E-banking. Other than this, this study might expose the factor influence towards youth adoption among E-banking and increase the awareness of youth through E-banking services. Lastly, this study would provide growth in E-banking services and meet the needs of customers to reach long term profitability. 1.6 DEFINITION E-banking (electronic banking): An umbrella term for the process by which a customer may perform banking transactions electronically. Youth: is the period between childhood and adulthood, the age of 15 and 24 years. Internet banking: can also called online banking, is an outgrowth of PC banking. Internet banking allows customer uses internet as the delivery channel to conduct banking activity. Mobile banking: a financial transaction conducted by logging on to a banks website using a cell phone. Telephone banking: a service allows customers to perform transactions over the telephone. ATM: an automated teller machine computerized telecommunications device that provides the customer by inserting a plastic card with a chip to access financial transactions in a public space. Primary Data : Data gathered for the research form the actual site of occurrence of event or from the respondents. Secondary Data: Data collected from existing sources like, company annual reports and others. 1.7 ORGANIZATION OF CHAPTER This study wan elaborately organized into three chapters shall to address the overall objective of this research study. Chapter One begins with an introductory part which provides overview of E-banking, problem statement, and research objectives, definition. Following that, Chapter Two is to support the study by providing the reader with relevant literature review from various journals and articles. The E-banking in Malaysia and the types of E-banking will illustrate in chapter two also. In addition, the dependent varies of convenience, security, friends and relatives influences, perceived usefulness, and personalization. Lastly, Chapter three is the research and methodology. Theoretical Framework is explained in this chapter. 2.0 INTRODUCTION 2.1 E-BANKING Studies of Olga Lustsik, (2004) discuss the role of e-channels in the banking sector as Electronic banking (E-banking). Automated E-banking service offer a perfect opportunity for minimizing costs thus, the goal of any company is to maximize profits for its owners and banks are no exception. According to Newman and Cowling (1996) believes that profitability and survival in a business is the excellent service quality to customers. The study of Jane, (2004) E-banking marketplace resulted that the consumer adoption with the success of E-banking products and services. The study of Bob Batchelor (2009) the term of E-banking or Electronic banking that describes all transactions among companies, organization, and individual and their banking institutions. The financial institutions that develop the online banking such as bill payment, money transfer and mobile E-banking, trough this services E-banking allow customers using more services. The E-banking can offer an enhanced range of services at a low cost to customers, such as cash withdrawals and cash-back transaction, deposits, payment and transfer. Therefore, in the early of electronic banking initiatives were designed reduce cost of transaction to delivery value to the customer. The low cost of E-banking services is good news for the customers on low incomes who may affordable through transaction. The system provided by E-banking should be standardized because the customer may use familiar with the procedure followed. The banks have already started focusing on increasing the E-banking services to enable the customer to perform various functions on-line, hence E-banking can be succeed if the basic features can handled well. Most of the banks have established an internet as a new distribution channel. By using the internet for the financial services it may improve the potential of customer. Thus, the banks may extend their market. However, in this study suggest that financial institution management should choose the level of E-banking services provided to various customer needs. Increasing of E-banking prevalent in the study of Shih and Fang (2004) explained that E-banking adopted by many financial institutions, E-banking functional to reduce costs, customized, short processing time, speedy and improved the flexibility of the business transaction. E-banking services offer effectively for twenty-four hours a days, seven days a week allow the customer can do their daily banking activities. 2.1.1 TYPE OF E-BANKING E-banking is the newest delivery channel of banking services. E-banking has separate in the variety types of the following, Internet banking (or online banking), telephone banking, mobile phone banking, and ATM (Automated Teller Machine). (Olga Lustsik, 2004) E-banking has transformed traditional practices in banking and explosive growth. Internet Banking The new age banking system used the new term of internet banking, also called as online banking and it is an outgrowth of PC banking.( Divya Singhal and V.Padhmanabhan, 2008) The delivery channel of internet banking to conduct banking activity such as transferring funds, paying bills, viewing checking, savings account balances and certificated of deposits. (Haque et al, 2009)In the study of Diva Singhal and V.Padhmanabhan, (2008) conduct that there are many advantages of online banking. Internet banking is convenient, operation timings, no geographical barriers and services at low cost charge.(Gonzalez et al., 2008) Internet banking increasingly managed operation activity and an main component of a multi-channel strategy to play an important role in the new banking environment. (Black et al., 2002) Thus, financial institutions now regard the internet banking as equally important to other electronic banking transaction such as automated teller machines (ATM) and telephone banking. Automated Teller Machines (ATM) In the year 1980s, Automated Teller Machines (ATM) was the first E-banking product introduced. The ATM system serves customer with the simple transactions for example checking balance, withdrawing funds or depositing and transferring money. ( Rohaya Shaari and Nor Hayati, n.d.) The overall for the ATM, it easily found in various locations and its have the extended operating hours helps customers to overcome in time and the geographical constraints. ( Shanmugam et al., 2000) In the study of Leonard and Spencer (1991), found that a great majority of customers perceived banks with ATM as being successfully. Thus, the banking industry has tried gain the technology by ATM to take the advantage productivity and customer services for carry out the daily transaction. Telephone banking Telephone banking is a channel for the delivering banking services, the banking industry use it as an alternative traditional way of delivering services to customer through branch networks. (Rizal Ahmad and Francis Buttle, 2002) Ramsay and Smith (1999) examined the Australian channel usage for telephone banking is employed by bank customers because its accessibility as well as convenience factors. According to Rizal Ahmad and Francis Buttle, (2002) the benefit by using telephone banking are convenience and control, enable customers privately using the services such as at home. Mobile banking An analysis define the mobile banking is a form of banking transaction carried out via a mobile phone and its allows bank customers to check their account balances or perform credit card transaction as well as provide information. (Hanudin and Ricardo and Mohd Zulkifli, n.d.) Mobile banking the new banking transaction services created opportunities by the rapid technological advances in mobile-based technologies, additionally the commercial banks in Malaysia have tried to improve operations and reduce costs by introduced mobile banking system. (Amin et al. 2008) Earlier studies by Luarn and Lin (2005) showed the facilitating the transactions between banks and their customers in mobile banking usefulness. 2.2 DEVELOPMENT OF E-BANKING According to Bob Batchelor (2009), the first conceptualized of E-banking in the mid-1970, when the year of 1985 some banks have been offered E-banking to customers, unfortunately the lack of internet users and the higher cost of electronic banking have stunted growth of online banking. However, in the year 1990 internet explosion lead customer transaction trough online banking. Since 2000, there 80% of U.S. banks offered e-banking and the following the year of 2001, the first bank become the top 3 million online banking which is Bank of America, in 2009 a report by Gartner Group estimated that 47 percent of U.S. adults and 30 percent in U.K. bank online. The Bank Negara Malaysia on the 1st June 2001, formally allowed local commercial banks to offer Internet banking services and in the same year June 15, one of the largest bank in Malaysia, Maybank launched the first Internet banking services. 2.2.1 E-BANKING IN MALAYSIA There is variety of services of Electronic banking (e-banking) technology, from the common such as automatic teller machine (ATM) services, phone banking, and computer banking (PC banking). (Jane M.K. and Janne M.H. and Marianne A.H.,2004). Since 1980s, the first of the emerging electronic banking in Malaysia introducing by Automated Teller Machines (ATM) the following is the Tele-banking and PC-banking in the 1990s.(MD. Arafat and Chaklader and Mohammad, n.d.) Information provided by Bank Info,(2007) to offer internet banking services in Malaysia only for the banking institutions licensed under the Banking and Financial Institutions Act 1989 (BAFIA) and the Islamic Banking Act 1983. There are 12 commercial banking and Islamic banks out of a total 25 in Malaysia which currently offering internet banking services As a result, the financial institutions in Malaysia taking the initiatives to enhance the delivery channels via the rapidly growth in technologies. By the way, the important step before end-2004 of introducing the Bankcard to replace magnetic stripe ATM cards. Hence, the ATM machine is being upgraded to MEPS (MAS Electronic Payment System) Cash transactions. This is the good started program to promote to the public and improve the acceptance of E-banking services. More customers would like to select Internet banking and ATM transactions by gaining the acceptance of electronic transaction in Malaysia with now over one million. (Tan Sri Zeti Aktar Aziz, 2003; Chai Lee Goi, 2005) Studies of Chai Lee Goi (2005), Malaysian banks proper understanding and planning for appropriate develop E-banking strategies to achieve successful in the local and global marketplace. According the result of statistic survey of SKMM (2008) showed that household use of internet average time spent around 12 hours per week. The activity on the internet such as to conduct financial delivery channel for three years, in the year of 2005 14.6 percent followed by the 2006 increase to 23.6 percent. The highest percentage compare to previous two years 2008 rise to 31.8 percent. Determined of the three year show that the usage of online transaction increasingly each of the year. List of Banks offering Internet and Mobile Banking services provided by BNM about 24 banking industry enable for internet banking and 10 banking industry offering mobile banking. The popular banks industry by offering internet banking such as Affin Bank Berhad, AmBank (M) Berhad, Bank Kerjasama Rakyat Malaysia, CIMB Bank Berhad, Citibank Berhad, Hong Leong Bank Berhad, Maybank, HSBC Bank, Public Bank, RHB Islamic Bank, and OCBC Bank etc. The mobile banking available for: AmBank, Bank Islam Malaysia, CIMB Bank, Citibank, Hong Leong Bank, MayBank and Public Bank etc. 2.2.2 E-BANKING IN REGION According to Parker,(1990) , the adoption of E-banking such as internet is growing in New Zealand. Auckland Savings Bank (ASB) in 1996 was the first bank to offer internet banking services, followed by the ASB subsidiary, BankDirect which was also the first and the only virtual bank. In the late of year 1999 Natinal Bank of New Zealand (NBNZ) and Bank of New Zealand also offer internet banking, followed the last quarter of 2001 there were around 480,000 regular internet users utilizing internet banking facilities to conduct their banking transaction through E-banking.(Christopher Gan et al.,2005) As predicted of Christopher Gan et al. (2005) that the usage of internet banking in New Zealand will continue to grow in the near future and the factor influenced New Zealand customer adoption E-banking such as price, user input, service product characteristics and individual. The E-banking in the USA is one of a wide variety services used by a disparate number of consumer, around 91 percent of US households have a bank account. (Jane M.K. and Janne M.H. and Marianne A.H.,2004 ) In year of 2003, the number of ATM transaction at 902 million per month and the number of debit transaction at 495million per month (EFT Data Book, 2003). The factor determined by Jane M.K. and Janne M.H. and Marianne A.H.(2004) affect USA consumer adopt E-banking which is convenient, compatibility, simplicity, observability and trialability. The study of Philip Gerrard and J.Barton (2003), determined the retail banks in Singapore and their internet banking activities. Retail banks are classified into either local or foreign full license banks by monetary authority of Singapore (MAS), Singapores central bank. The license banks of Singapore are offering the broadest range of financial services delivery through the internet. In the year of 1997 that the first local banks in Singapore namely DBS and UOB offer internet banking services, followed the bigger foreign banks HSBC, Citibank and Standard Charted Bank also provide financial services delivery through interne. There are the several factor affect Singapore adoption towards E-banking such as convenience, accessibility, confidentiality, compatibility, PC proficiency, economic benefits, complex procedures and innovativeness. According to Ali Ahmad, (2006) show that the Pakistan has been among the late entrants into E-banking such as ATM was setup in 1999 and 2000 internet banking was introduced. Pakistani government has already to start working towards created awareness among people for E-banking services (Hanniya abid and Umara Noreen, n.d.). The Ministry of Science Technology has been taking number of measures to promote E-commerce and E-banking in Pakistan (Dr. Shamshad Akthar, 2006). The use of ATM and E-banking products is gaining currency and most of the banks have established, offered by ATM will enhance the customer more alternatives choices to financial transaction services. In the recent years that the E-banking services such as Automated Teller Machine (ATM), Tele Banking, Internet Banking, Credit and Debit Cards etc. have growth effective delivery system in Pakistan (Hanniya abid and Umara Noreen, n.d.). Based on the study of Hanniya abid and Umara Noreen, (n.d.) found the four factors affec t acceptance Pakistan customer towards E-banking follow by usefulness, intention/attitude, ease of use and external variables. Shih and Fang (2004) study that after Taiwan enter into the World Trade Organization (WTO), it also brings foreign banks into Taiwan marketplace. Therefore, banks in Taiwan are facing the competitive in service quality and administrative efficiency. To gain the strengthen of Taiwan banks industry, Taipei Banks has establishment of new communication networks via E-banking such as internet banking, telephone banking and other digital channels. Taiwanese commercial banks have been quick to realize the competitive facing, thus in May 1999 offer E-banking services, such as fund transfer and account summary inquires. An individuals intention to adopt internet banking in Taiwan is determined by three factors: attitude, subjective norm and perceived behavioral control. In Youth Market The studies of Barry et al. (2002) show age also a significant factor to internet, the consumer which is aged 18-25 are highest preference for internet banking delivery channel. The younger consumers are more likely to adopt the delivery channels such as internet banking compare to telephone banking, because the lack of face to face contact are less important their think. Lewis and Binghamss (1991) research among aged 16-24 young people have an account at more than one bank. Thus, young people should consider are most inclined to switch financial providers (Meller, 1993). There are some banking industries tend to offer internet banking attract younger generation (Katri, n.d.). The study of Robert, (2007) youth based segmentation in the Malaysian retail banking sector concern with what values influence young consumers preference and adoption of personal e-banking product. Youth can be defining as aged between 15 24 years Lewis and Bungham, (1991) studies. In the paper examines of Robert, (2007) to examine young consumers likelihood by selection of e-banking services which have highest accessibility in Malaysia. The potential of youth in the financial services sector are seen as particularly attractive. According the study of Thomas et al., (2009) examines the youth market as a greater potential in the financial sector. The reason of the author to research youth market is because of the young people have substantial purchasing power thus, many banks are tend to seeking young customer and targeting internet banking into their market. Youth is the largest demographic group in many developed countries and is a highly lucrative segment (Josefowicz, 2003; Solomon, 2007). Thwaites and Vere, (1995) research that the basis for a relationship upon to success getting young customer at early age to introducing the services. 2.3 BENEFIT OF E-BANKING The E-banking service such as internet banking is perfectly beneficial to customers because of the savings in costs, transaction time, and space it offers. Its service conducts quick response to complaints and delivery speed of services. Overall, benefits make easier banking system to customer. (Turban et al. 2000) The appearance of internet has had an important role on the diffusion of electronic banking and it also offers new value to customers (Sara, 2007). As a result, the basic principle of banking services such as security was the potential benefits from electronic delivery channels by increase confidence of the banking public. Consumer may realize the convenience and flexibility of E-banking in meeting their daily payment needs while the use of cash and cheque to be important. The change in consumer behaviour is reflected in the increasing of electronic transaction system in our country. The finding of Marivic, (2009) believe that the bank offers e-banking services can recognize the benefits of e-banking as below: A positive effect on banks profitability to launch electronic banking To providing of banks distinction electronic business is a direct relation between increases of bank customer needs for banking services. The protecting privacy of bank customer and bank by management upon providing banking services through internet. 2.4 INFULENCING FACTOR OF E-BANKING ADOPTION Adoption The study of Rogers and Shoemaker (1971), define that consumers who before ready to adopt product or service go through a process of knowledge, persuasion, decision and confirmation. Adoption is the acceptance and continued use of a product or service. Factor Security Mathew and George (2003) the emerges from the present study is that the general population appears generally satisfied with the technological aspects of the banking industry and that banks in general are concentrating their efforts on security that customer feel are most important. The perception of respondents in the survey of Mathew and George showed the important feedback by the respondent on perception there are 93 percent of the most important dimension followed by security. The study of Volkan, (2009) define that bank sector now build up a new delivery channel for e-banking services such as internet banking. The internet banking service allow customers as well as mange their transaction application, by access to the application system a set of password is require from customer. Therefore, the necessary to take a note at the security on the eradicate fraud in electronic banking. The security program is needed provide by the bank to launch the internet banking services. The banks are responsible to assist the customer in protecting their account safety. Jun and Chai, (2001) identified the one of seventeen underlying dimension of e-banking service quality of customers expectation is security. These a critical factor for changing customer behavior is a feeling of security, and the Estonian bank have been successful in delivering user-friendly solution that is secure. According to Marivic, (2009) have determined the new system of internet banking services is require the ease of access and the security from the new generation. In additional research, appropriate security controls of e-banking products can particularly inclined business to benefit. Overall, internet banking it needs securities. Friends and Relatives Influences In an environment in which there has been a reduction in consumer trust of both organizations and advertising, thus word of mouth (WOM) offers a way to obtain a customer perceptions or action (Bansal and Voyer, 2000). WOM is a process of personal influence, in which interpersonal communications between a sender and a receiver can change the receivers behavior or attitudes (Merton, 1986). Therefore, Tan and Chua (1986) who carry out a study conducted in South East Asia found that third party influences, namely family and friends were the most important influences customer adoption bank selection. Gerrard and Barton (2001) determined the one of the factor in their study which is people influencer grouping, the people being Family, Friend. Barry et al. (2002) studies in the factor most important in encouraging and discouraging adoption of telephone and internet banking, the result showed for internet banking male respondents are more greater emphasis on recommendations from friends and family or from a newspaper. Perceived Usefulness Nima, (2008) define perceived usefulness refer to the degree to which a person believes that using a particular system would enhance his or her job performance .To test a theory of the Technology Acceptance Model (TAM) (Davis, 1989) and examines the factor that influence the adoption and acceptance of the information technology and system of internet; in the banking sector particularly for internet banking (Sara, 2007). Selecting TAM was based primarily on predictive power which is makes the model easy to apply to a different information system device ( Venkatesh and Morris2000; Kleijnen et al, 2004) Thus, TAM provides understandings of the relationship of perceived usefulness(Hanudin Amin,2008 ) Study on the TAM for internet banking by Guriting and Ndubisi, (2006) and the Kleijin et al. (2004) focused on TAM for mobile banking via short message services (SMS). Davis (1989) defined perceived usefulness as theory to which a person believes that using a particular system enhances job p erformance. Overall, Cheong and Park (2005) found that perceived usefulness may influence the intention of online purchase or mobile internet activity. Therefore, Luarn and Lin (2005), who determined

Loneliness and Unrequited Love in James Joyces Dubliners Essays

Repetitive routines, and mundane details of everyday life characterize the lives of Joyce’s Dubliners and trap them with frustration, restraint, and violence. Routines affect the characters who face difficult predicaments, but it also affects characters who have little open conflict in their lives. The most consistent consequences of following mundane routines are loneliness and unrequited love. The consistency of these Dubliners’ lives through the stories, effectively traps them, preventing them from being receptive to new experiences and happiness. At the beginning of the twentieth century, chances for marriage in Ireland were slim. Gabriel and Gretta Conroy in â€Å"The Dead,"are the only married couple at the Morkin sisters Christmas party. While Mr. Duffy in â€Å"A Painful Case," and Maria in â€Å"Clay," who both live alone, certainly illustrate the emptiness of isolation, two married characters also seem upon consideration to be just as isolated. Mr. Duffy’s obsession with his predictable life costs him a golden chance at love. In â€Å"Eveline," the young girl has a chance to save herself from a life of poverty but cannot move, as if she was trapped, when her chance to flee arrives. She is trapped by her poverty that makes her family dependent upon her economically and social conventions that insure she will care for her family even though her father is abusive and keeps all her money. She will live out her life in poverty, as her mother did, making thankless sacrifices for all until she too loses her mind: â€Å"that life of commonplace sacrifices closing in craziness† (28). Mr. Doran, in "The Boarding House," has been tricked into marriage by Mrs. Mooney: â€Å"the instinct of the celibate warned him to hold back"(52). He does not love Pol... ...ad are more alive to many than the living. Gabriel Conroy's final, stark self-evaluation serves to crystallize the very essence of this hemiplegia in a few finely honed sentences. He realizes that, trapped as he is, he is incapable of real passion, real emotion: â€Å"He had never felt like that himself towards any woman but he knew that such a feeling must be love.'† He can no more 'apprehend' this intensity of feeling any more than one whole lived such a life could perceive the â€Å"wayward and flickering existence† he shares with the hosts of the dead. He feels his own boring identity fading out, yet feels nothing. He can only stare at the individual, unique snowflakes that hit his window, but cannot enter his little world. The image of the snowflake is soon faded into the grey shapeless mass of snow. His stories depict Dublin as a place conducive to self-destruction.

Confidentiality and Minors

Confidentiality is an essential component to the counseling process. It allows for the client to build a trustful relationship with the counselor. â€Å" Counselors regard the promise of confidentiality to be essential for the development of client trust† (Glosoff & Pate, 2002). Most individuals that seek counseling services assume that what is discussed in the counseling sessions with the counselor will be kept in confidence with limited exceptions. These exceptions become a complex balancing act for the counselor especially when their clients are minors. Confidentiality is a widely held ethical standard a variously accorded legal right of clients and responsibility of counselors (American Counseling Association, 2005: American School Counseling Association, 2010). According to the Ethical Standards for School Counselors and the Code of Ethics and Standards for Counseling (2010), both specify that counselors are ethically required to take appropriate action and breach confide ntiality in certain circumstances involving minors.Counselors are required to breach confidentiality if there is imminent danger to self and others, if there is suspected child abuse or neglect or to protect a vulnerable client from danger. There are other limitations to confidentiality and minors as well. Some of these limitations involve parents and their right to know what is happening in counseling sessions between the therapist and their child.This problem is one that schools counselors and clinical therapists must face when counseling minors. Counselors in both clinical and school settings are faced with ethical issues with regards to confidentiality each time they encounter a client that is a minor. School Counselors have a variety of roles and responsibilities to students, teachers, parents and administrators (Iyer, McGregor & Connor, 2010).According to the American School Counseling Association (2004), it is the responsibility of the school counselor to help a child develop effective coping skills, identify personal strengths and assets, recognize and express feelings and provide a foundation for the child’s personal and social growth as he or she progresses from school to adulthood as apart of the process. School Counselors must collaborate with all persons involved with the minor in this process, which usually includes the parents and teachers. SchoolCounselors are also sometimes asked to be apart of child study teams within the school, which can be very beneficial to the students and those involved in their lives. School Counselors must follow the American School Counseling Association’s ethical standards for School Counselors regarding confidentiality. In beginning sessions between the client and the school counselor confidentiality should be discussed and the conditions in which it may have to be breached. According to Lazovsky (2010), The management of student confidentiality has been described as the primary ethical dilemma of sch ool counselors.There are various ethical and legal issues that arise for School Counselors when dealing with confidentiality. School Counselors are required ethically to report when a student engages in clear and imminent danger to themselves or others. Some school counselors base their decision to breach confidentiality on how imminent the danger is that is being presented by the situation. â€Å"Most counselors would agree parents should be informed of drug experimentation by an 8 year old. Many however, would disagree to tell parents that a 16 year old client reported occasional experimentation with marijuana† (Glosoff & Pate, 2002).This example shows that school counselors should use discretion when deciding to breach confidentiality. These two minor clients are different but each situation has a variety of ways that it could be handled. According to Lazovky (2008), school counselors are advised to consult with supervisors and colleagues before making decisions based on b reaching confidentiality. They should also know their state policies and laws in the school jurisdiction. Another ethical and legal issue that can arise for school counselors counseling minors in relation to confidentiality is the disclosure of student provided information to parents.Privileged communication is apart of confidentiality. Privileged communication allows for clients to ask counselors to keep their communications and records of their counseling sessions confidential. Privilege belongs to the client and the counselor asserts privilege for the client. According to Glosoff (2002), the already complex issue of privileges communication for school counselors is made even more complex by who has the privilege when counseling a minor. Parents of minors rather than minor clients are assumed to control privilege. School Counselors are sometimes subpoenaed for court appearances when the parent’s do not agree on whether the counselors presence is necessary in the testimony o r a parental custody dispute may be the heart of the legal proceeding. The ACA and ASCA recognize that school counselors have limits to their ability to protect client confidences. School Counselors must not only be mindful of their ethical duties but cooperate with any laws that that apply to them as well. The Family Education Rights and Privacy Act (FERPA) establishes that parents control the rights of students under the age of 18 (Iyer, McGregor & Connor, 2010).This includes any of the student’s records such as grades, awards and date of birth. Decisions about the release of these records are based under exceptions under FERPA and also the parent’s consent. However, most records regarding the student are held in safe places where other school officials do not have or need access. Another law that school counselors must keep in mind is HIPAA. This law was enacted to protect patient’s health information. In relation to school counselors, the student’s me dical records are being protected. The issue of confidentiality in Child Study Teams has become an ethical dilemma for many school counselors.The school counselor must decide on what to disclose and what information to inquire about based on each member’s rights and responsibilities. Deciding what to reveal and what to keep confidential can be a hard and difficult task for school counselors. Clinical Therapists face many ethical and legal issues with regards to confidentiality as well. Clinical Therapists are different from School Counselors in their role with minors because the only stakeholder involved with the therapist in most cases is the parent. According to Ellis (2009), minor’s right to confidentiality is an area at times, which ethics and the law are in conflict.One of these ethical dilemmas arises in the area client privilege. In the case of minors, this privilege extends to the parents who act as representatives to their dependent children. Clinical Therapis t struggle with maintaining confidentiality for their minor clients especially when the law is on the side of the parents because they have the right to know. Stone & Issacs (2003) suggest that in order to deal with ethical issues regarding confidentiality and minors therapists should prepare a written professional services agreement which provides details on the limits and conditions of confidentiality.At this point the parent can be involved in their child’s treatment in various ways. One of the ways that parents can be involved is through periodical family sessions. In the clinical counseling setting, there are often conflicts between duties of confidentiality and the need to share information with parents or other agencies that provide care for a child or adolescent. There can also be ethical conflicts between duties of confidentiality, grounded in respect for patient autonomy, and both statutory and moral obligations to report child abuse, which are grounded in duties of care and protection (Kaplan, 2005).One issue which troubles some clinical therapists is a statutory obligation to report consensual sexual relationships that adolescents are engaged in with adults irrespective of whether they are clinically judged to be abusive, because they can be framed in many child protection statutes or guidance as constituting abuse. (Ellis, 2009). There are some similarities between confidentiality and counseling minors in both school and clinical settings. One similarity is that in both settings counselors must follow the same ethical guidelines for breaching confidentiality.Breaching confidentiality is allowed by ethical codes in special or extreme circumstances (Lazovsky, 2008). In both settings counselors must carefully deliberate over the circumstances that are presented to them by the minor client in the counseling sessions. The counselor should then decide whether or not to breach confidentiality. This ethical dilemma is a difficult issue that many co unselors are faced with in both clinical and school settings.Another similarity between counseling minors in both school and clinical settings is that counselors must often consult with other staff members in both settings for the benefit of the children that they serve. It is important for counselors to educate other non-mental health staff members that they must keep confidential any personal information they learn about children as a result of their professional positions (Rehmley & Herley, 2010). If any information were to be disclosed outside of the school or clinical settings, it could be lead to grounds for a lawsuit.There are some differences between confidentiality and counseling minors in both school and clinical settings as well. One difference is that counselors in clinical settings encounter fewer ethical issues around confidentiality and minors because parents usually have given legal consent for the counselor to work with the client. However in the school setting, Reh mley & Herley (2010) state that the counselor often does not have a legal obligation to obtain parental permission before counseling students unless there is a federal or state statute to the contrary.Another difference between confidentiality and minors in the school and clinical setting is in the clinical setting the counseling process may be limited to the counselor, the minor client and the parents. Most minor clients who are placed in clinical treatment facilities will be unable to make crucial decisions for themselves. The privilege of informed consent will be given to the parent and the parent will operate in the child’s best interests (Glosoff & Pate, 2002). Counselors in both clinical and school settings find the ethical and legal issues of confidentiality difficult because there are constant conflicts between the law and ethics.One issue that counselors find causes tension between law and ethics is whether children have the right to enter into a counseling relations hip without parental consent. According to Rehmley & Herley (2010), every child has a moral right to privacy in the counseling relationship. Kaplan (2005) believes that children should have the same rights to confidentiality as adult clients. However, counselors constantly struggle between the ethical obligation of privacy to their minor clients and their legal obligation to the parents of the same minor clients to keep their child protected and safe.There are some ways that counselors are able to deal with these ethical and legal dilemmas regarding confidentiality and minors. One recommendation that was made by Iyer, Baxter-McGregor & Connor (2010) is to develop and maintain a strong informed consent policy. Informed consent is a process that is an ongoing process and should begin before the counseling process begins. According to Glosoff & Pate (2002), it is beneficial in both settings to develop a written informed consent policy so that it can be given to parents and anyone else who is involved in the clients counseling process.This is beneficial because all parties involved in the process will know about confidentiality and also what to expect. Another recommendation that was suggested by Iyer, Baxter-McGregor & Connor (2010) is to educate all members that are involved in the minor client’s counseling process about the importance of confidentiality. In this way there will be a reduction in the likelihood of difficult situations posed by ethical dilemmas developing in the first place. An explanation of confidentiality would be a great addition to an orientation to parents, teachers or other non-mental health professionals.They would know what to expect with regards to confidentiality in counseling sessions with minors. Another suggestion that was discussed in the literature in relation to ethical and legal dilemmas regarding confidentiality and minors is to send out educational newsletters and emails. This suggestion takes a proactive stance towards the ethical and legal issue of confidentiality and minors and it helps to avoid the possible ethical dilemma before it occurs (Glosoff &Pate, 2002).Some possible items that could be included in these newsletters or emails may be a definition of confidentiality, one’s informed consent policy, state regulations or law’s regarding confidentiality and a summary of ASCA’s and ACA’s ethics statements for counselors. Lastly, another suggestion that was discussed in the literature in relation to ethical and legal dilemmas regarding confidentiality and minors is for counselors to develop a strong network of professionals that counselors can confide in and ask advice when they encounter an ethical dilemma (Iyer, Baxter-McGregor & Connor 2010; Glosoff & Pate, 2002).This network may include school psychologists, local psychologists, counseling professionals and any who works within a similar field. According to Iyer, Baxter-McGregor & Connor (2010), a counselor may u se a common framework such Kitchener’s five moral principles regarding ethical decision making. The five moral principal’s are autonomy, justice (fairness), beneficence (doing good), non-maleficence (doing no harm) and fidelity (keeping promises).Another ethical decision making model that can be followed is by Forester-Miller and Davis which is to 1) Identify the problem, 2) Apply one’s professional code of ethics, 3) Determine the nature and decisions of the dilemma, 4) Generate potential courses of action, 5) Consider the potential consequences of all options and choose a course of action 6) Evaluate the selected course of action and 7) Implement the course of action. Counselors in both clinical and school setting have a tremendous amount of responsibility to uphold when they are counseling minors.The ethical and legal issues that arise for this group can sometimes differ and also be contradictory to each other. It is the responsibility of the counselors to pr epare themselves and all parties involved in the counseling process with the knowledge that is necessary in regards to confidentiality and minors. In many cases when the counselor is left to choose the right course of action in regards to confidentiality, the outcome will inevitable benefit the client. References American Counseling Association. (2005). Code of ethics and standards of practice (Rev. ed. ) Alexandria, VA: Author.American School Counselor Association. (2010). Ethical standards for school counselors. Retrieved from http://www. schoolcounselor. org/content. asp? contentid=17 Barnett, J. E. (2008). The ethical practice of psychotherapy: Easily within our reach. Journal Of Clinical Psychology, 64(5), 569-575. doi:10. 1002/jclp. 20473 Ellis, E. M. (2009). Should a psychotherapist be compelled to release an adolescent’s treatment records to a parent in a contested custody case?. Professional Psychology: Research And Practice, 40(6), 557-563. doi:10. 1037/a0017419 Glo soff, H. L. , & Pate, R. r. (2002).Privacy and confidentiality in school counseling. Professional School Counseling, 6(1), 20-27. Iyer, N. N. , Baxter-McGregor, J. & Connor, A. R. (2010). Ethical dilemmas for the school counselor: balancing student confidentiality and parents’ right to know. New York State School Counselor Association, 7(2), 17-22. Kaplan, A. I. (2005). Therapist-Patient Privilege: Who Owns the Privilege?. Journal Of Aggression, Maltreatment & Trauma, 11(1/2), 135-143. doi:10. 1300/J146v11n0111 Lazovsky, R. (2008). Maintaining confidentiality with minors: Dilemmas of school counselors. Professional School Counseling, 11(5), 335-346. oi:10. 5330/PSC. n. 2010-11. 335 Mitchell, C. W. , Disque, J. , & Robertson, P. (2002). When parents want to know: Responding to parental demands for confidential information. Professional School Counseling, 6(2), 156-161. Rehmley, T. P. , & Herlihy, B. (2010). Ethical, Legal and Professional Issues in Counseling. Merrill; New Yor k. Stone, C. , & Isaacs, M. L. (2003). Confidentiality with minors: The need for policy to promote and protect. The Journal Of Educational Research, 96(3), 140-150. doi:10. 1080/00220670309598802 Confidentiality and Minors By Neferteria Thomas

Changing Perspective (average joe) essays

Changing Perspective (average joe) essays Every time we switch the T.V on lately there seems to be a new American reality show. An example of this is The Bachelor where they pick about 20 of the hottest girls or guys from around the country to compete for the love of one member of the opposite sex. By the end they are supposedly meant to be matched up with their perfect partner and live happily ever after. But we all know thats a load of rubbish and its always the best looking guy or girl that wins over the bachelors heart. When the new show called Average Joe began for once we could change our perspective and know its not going to be a show based on looks. The whole idea of the show was to try and change Melenas perspective of how her perfect partner should be. When the show began Melena was raving on about how she had only dated decent looking guys, but it is really what they are like on the inside that counts and looks dont matter. We all found out that was a huge lie when we saw the look on her face as 16 of the biggest geeks turned up on her doorstep. She told the host 95% werent her type and she hadnt even met the poor fellers. But could her perspectives be changed? She decided to give the guys a fair chance and actually began to get along with the them and realised they werent that bad. She was beginning to look past their appearance. But could Melena really fall for one of the Average Joes. Time went on and Melena started to see through their outside appearance and admitted she was starting to fall for a few of them. Her perspectives had completely changed. She was getting to know them and was starting to see the inner beauty of people...or was it because she hadnt seen a decent guy for a while. But just when we thought Melena had been cured of choosing looks over personality the show took a twist and three tall pretty boy models turned up and were going to be competing against the Average Joes ...

The Invisable Man essays

The Invisable Man essays The novel, Invisible Man, by Ralph Ellison explores the issue of life, liberty, and the pursuit of happiness through the main character. In the novel, Invisible Man, the main character is not giving a name. In our paper we will refer to him as the Protagonist. Ellison explores how unalienable rights cannot be obtained without freedom from the obstacles in life especially from one's own fears. In the novel Invisible Man, several major characters affect the Protagonist. One of the major characters is Dr. Bledsoe, who is the president of the school. Dr. Bledsoe had a major effect on the main character, because the Protagonist idolizes him. "He was every thing that I hope to be," (Ellison 99), but the Dr. Bledsoe degrades him when we says "Why, the dumbest black bastard in the cotton patch knows that the only way to please a white man is to tell him a lie" (Emerson 137) and calls him a Nigger. In addition, the Protagonist grandfather had a major effect on him. The ! Protagonist's grandfa ther last word, "Live in the Lions mouth" (Ellison 16) has a lasting effect on him throughout most of the novel. Finally and most important, Ras the Destroyer, whom the Protagonist fears whom along with Dr. Bledsoe in a separate encountering calls him "a educated fool" (Ellison 140). The first encounter of the Protagonist own fears is introduce when his grandfather' s tells the Protagonist to go against the white man by "overcome 'em with yeses" (Emerson 16). These words haunts the Protagonist when he is kicked out getting kicked out of college. When Dr. Bledsoe kicks him out of college, the Protagonist reflects on his grandfather last words "undermine 'em with grins, agree 'em to death^"(Emerson 16). For a moment, the Protagonist wonders if his grandfather might be right. However, due to the Protagonist fear of failure, the Protagonist doubts his grandfather wise words, because he does not want to believe that his role in life is to undermine the white ma...

International law seminar. Legal memo Case Study

International law seminar. Legal memo - Case Study Example This has enabled her rise above her competitors on the market. Packaging is a vital factor in trade that enables consumers to identify a particular item. An attractive way of packaging a product catches the buyer’s eye and this promotes sales hence earning much profit. It is on this note that Danielle decided to make her order of the boxes from Stuttgart Germany even though she was a citizen of United States. Entrepreneurship involves producers inventing new ways and approaches so as to dominate the market. This includes strategy. Proper strategy enables producers to counter challenges that may face their business. Therefore, Danielle wanted her chocolates to have a unique packaging feature hence going for the Box Masters Company. The paper indicates that since the bossiness partners originate from two different countries, the CISG shall be used as an applicable law. Danielle made an order of 40000 boxes of chocolate from her supplier. According to Danielle, the holiday season was a perfect time for her business since chocolates are favorites for a large number of people. The first issue indicates that the supplier delivered goods on 16th October as expected by Danielle, but they were not the boxes that she had ordered. This shows that they were normal boxes, which her competitors used on market. Her clients identified her chocolates from others on market as a result of her packaging design. The issue reflects that consumers will not be able to distinguish Danielle’s chocolates and this will lead to a loss. Thanksgiving and Christmas holidays offer reliable opportunities for business operations. Danielle was optimistic that she would make much profit similar to past years. Danielle wrote to the Box Masters informing them that the goods she had received were not what she had ordered. She explained to the company that using the normal boxes would make her lose customers, which would bring down her business. The Box Masters explained to the entrepren eur the challenges the company was facing, and indicated that they would send 10000 boxes by October 26th and finally deliver the remaining 30.000 boxes on November 16th. The Box Masters fulfilled their request where they delivered 10000 boxes on October 26. However, at that time damage had already taken place. Danielle had lost several clients as a result of the delay. The memo indicates that it was not imperative for the Box Masters to argue that Danielle could be sold the items on a subsided price. The mutual agreement between the buyer and the seller indicated a specific item and not just any item on shelf. Since they sent a wrong product they are required by law to stand in for the cost of shipment and insurance. According to article 16 of United Nation’s Convention on Contracts for the International Sale of Goods [CISG] an offer may be revoked if goods reach the buyer before he has transmitted an acceptance. Therefore, from the above illustration, Danielle has aright to refuse the delivery of the 40000 boxes because they were dispatched without acceptance. It also states in article 17 of the CISG of the constitution that an offer is terminated when rejection reaches the seller. This can be shown since Danielle wrote to the Box Masters indicating that she had nothing to do with the normal boxes. According to this information, the Box Masters should make arrangements for the shipment of the normal boxes back to their warehouse since Danielle had paled a rejection. The main objective of any business venture is to satisfy her

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

Eczema - Essay Example It is worthwhile to give eczema attention because it can affect very young children who can carry the condition until adulthood. Moreover, anyone with chronic and acute eczema could suffer from frequent loss of sleep, loss of self-esteem (especially in children) due to unsightly sores and skin patches, and other stressful effects like loss of employment, difficulty in patient care and high medical costs. There are several causes of eczema, all resulting in the common symptoms of itchiness and rashes. Eczema can be caused by hypersensitivity or allergy to common compounds in the environment (atopic eczema), contact with irritants (irritant contact dermatitis), and contact with allergens (allergic contact dermatitis) (Brown and Reynolds). Understanding the causes of eczema can provide means to relieve symptoms and treat the condition. The most common form of eczema, atopic eczema is a genetic predisposition to become highly sensitized in response to allergens that are common in the environment. In the process, IgE antibodies are produced. Those with atopic eczema are highly sensitive to materials and elements that normally have no effect on most people. The condition afflicts mostly young children who have an increased chance of developing allergic asthma, hay fever and rhinitis later in life. In atopic eczema, itching is the most common manifestation accompanied by scaling and redness in patches of skin, the face included. Some people are mildly affected with only a few areas on their skin that are dry and scaly. Blisters and skin thickening become common in chronic cases (Brown and Reynolds). The prevalence of atopic eczema varies widely worldwide. However, increased prevalence has not been attributed to genetic factors, but more on environmental effects (Brown and Reynolds). Atopic eczema is more common in urban and industrial settings, and in families with higher