Food, People Will Die - 1172 Words

Without food, people will die. Either they do not have the means to buy food or they live in a place where food and vegetation are scarce and not readily available to the public. In any case, food remains a necessity all living creatures must have. Thanks to modern technology and advancements in all fields of agricultural business (agri-business), the availability of food has increased tremendously. Modern farmers put in the same amount of work and effort for twice the reward. Wendell Berry, a man who grew up during the transition of old farming style and new farming style, noticed the transition from mules to tractors and the efficiency that came with the switch. Berry wrote an article titled â€Å"Renewing Husbandry†; in his article, Berry†¦show more content†¦Those people who live in these conditions can have better diets and live healthier because of agri-business. The transformation from traditional farming to agri-business became rapidly accepted by all types of farmers because of the mass benefits agri-business provides. Berry noticed this transformation by stating, â€Å"This transformation occurred with astonishing speed because, by the measures it set for itself, it was wonderfully successful. It ‘saved labor’† (Berry, 2005, para. 4). This transformation increased the speed of farms. This means the increased speed also decreased the work effort; which allows farmers to do twice as much work without increasing the effort. The transition from traditional farming to agri-business has increased the production load to where agri-business can support the needs of the world. Agri-business fulfills the needs of the world. Farmers can mass-produce their products in a timely manner, granting them the ability to provide food for the world. With every year, agri-business grows to keep up with the demand. Berry stated; â€Å"[T]he tractor would stay and the mules would go. Year after year, agriculture would be adopted more and more to the technology and the processes of industry and to the rule of industrial economics† (Berry, 2005, para. 4). The world constantly changes and adapts. Agri-business changes and adapts to the changes of the world because the main goal of agri-business is to provide food for the world for people toShow MoreRelatedWhat Can We Do About World Poverty? Essay510 Words   |  3 PagesPoverty affects 80% of people in the world. That means over three million people live on less than $2.50 a day. The question today now rises what we can do as a county and as individuals to help. Poverty is an important issue to discuss and know more about for many reasons. More than 48 million Americans live in poverty and 15.9 million of those are children. More than one for every seven people currently lives in poverty all across the United States. A full time working parent working for minimumRead MoreFamine Essay1435 Words   |  6 PagesFamine Famine can be defined as a temporary failure of food production or distribution systems in a particular region that leads to increased mortality due to starvation and diseases that result from lack of food. Famine is a very serious crisis that must be solved because famine leads to many hunger-related deaths worldwide. â€Å"In 1996 about 849 million people lived in famine, about 35,000 people die each day. A majority were children†. (Clark 148) Read MoreIn general, more than 800 million people go to bed hungry each day. Many people all around the800 Words   |  4 Pagesmillion people go to bed hungry each day. Many people all around the world do not have enough food to eat. If more is not done to prevent world hunger, the population will rapidly decrease. More needs to be done to prevent world hunger by farmers increasing crop production, donating to programs that help the starving, and rationing food equally. If these basic needs can be attained many lives will be saved. Background Information To begin with, millions of people do not have enough food to eatRead MoreShould Animals Be Treated Humanely?898 Words   |  4 Pagesconvinced that animals should have rights because of the cruel tests with cosmetics, others maintain that we should be aloud to do these tests on animals because some tests help people find cures and treatments for diseases. I agree that animals should be treated fairly, a point that needs emphasizing since so many people still believe that animals should not have rights just because they aren t humans. Animal testing can be hard to argue. Most tests leave the animals injured and scared. Other testsRead MoreFood Adulteration645 Words   |  3 PagesFOOD adulteration is the process of adding chemical substances with foods, which should not be contained within food and beverages. Chemical substances or simply adulterants may be internationally added to substances to reduce manufacturing costs, or for some deceptive or malicious purpose. When profit in business is more important than morality, then it is possible to add the poisoning contents to the foods and beverages. A limited number of people die without foods but large population have beenRead MoreSonnet XX Of The Fatal Interview By Edna St. Vincent Millay1112 Words   |  5 Pagesprovide health, shelter, and food yet it is paramount to the point that it can lead to death. In â€Å"Sonnet XXX of the Fatal Interview†, by Edna St. Vincent Millay, the poet tells her readers about her experience of how love is not a necessity in life. Millay says that even though love does not fulfill a physical need such as thirst or hunger yet it is worth something more. Overall, love is more paramount than anything for Millay does not give away love nor it is for shelter, food, or peace. In â€Å"Sonnet XXXRead More Causes and Effects of Homelessness Essay829 Words   |  4 Pagesevery society suffers from. There are many things that cause people to become homeless, such as unemployment, relationship problems, and being evicted from ones domicile either by a landlord, friend or even a family member. However, with every cause there must be an effect. Some of the effects of one becoming homeless, besides the obvious change of lifestyle, are various health problems which often times may lead to death. Many people find themselves in a predicament when they are living withRead MoreA Study On A Drop Essay1378 Words   |  6 Pagesare as following: 1. Domestic- this is one of the main uses of water. Such as drinking water, washing clothes, dishes, cars, bathing, preparing your food, brushing your teeth, flushing the toilet, etc. It is estimated that 15% of worldwide water use is for household purposes. 2. Agricultural- water is used for the growing of our foods. Much of our fresh water is also used outdoors for watering lawns, flower beds, and vegetable gardens. The agricultural sector is by far the biggest userRead MoreWho Is More Happy People Living in the City or People Living in the Jungle899 Words   |  4 Pagesâ€Å"previous findings have shown that the risk for anxiety disorder is 21% higher than people for the city who also have 39% increased mood disorder, pollution ,toxins ,overcrowded areas and noise could contribute †he said. Nevertheless, part studies have shown that access to green space soothes frayed nerves and improves well-being .Living in the city and in the jungle have its advantages and disadvantages. Most people live in the city ,life in the city is more comfortable there is always plenty toRead MoreProblems Face by Earth948 Words   |  4 Pageswhen the earth heats up (the temperature rises). It happens when greenhouse gases (carbon dioxide, water vapor, nitrous oxide, and methane) trap heat and light from the sun in the earth’s atmosphere, which increases the temperature. This hurts many people, animals, and plants. The greenhouse effect is when the temperature rises because the sun’s heat and light is trapped in the earth’s atmosphere. This is like when heat is trapped in a car. On a very hot day, the car gets hotter when it

Background Information Of The Reformation And Definition

Background Information of the Reformation and Definition The Protestant Reformation, known simply as â€Å"The Reformation,† began in 1517 with Martin Luther’s publication of the 95 Theses. Major players in this pivotal point in European history included Christian humanists such as Desiderius Erasmus, the Kings of France and England, the Holy Roman Emperors and at the center of it all; the Catholic Church. Luther’s publication of the 95 Theses, its’ rapid dissemination due to the technological advance of the printing press (1440), and a European population of lay Christians, Royalty, and Clergy alike primed to take on the excess and singular religious hold of the Catholic Church, created a firestorm of change that swept throughout Europe and significantly changed the practices of the Catholic Church. According to a current publication of PBS.org, Martin Luther â€Å"plunged a knife into the heart of an empire that had ruled for a thousand years, and set in motion a train of revolution, war and conflict that would reshape Western civilization, and lift it out of the Dark Ages.† Desiderius Erasmus (1466-1563) was a Dutch born scholar who actively supported the Northern Renaissance philosophy of Christian Humanism. Christian Humanism â€Å"emphasized human dignity, beauty, and potential, and reacted against the religious authoritarianism of the Catholic Church† by using â€Å"the principles of classical learning to focus on biblical studies, theology, and the importance of individualShow MoreRelatedAmnesty International : For Survivors Of Wartime Rape1728 Words   |  7 PagesThis article displays policies that have been enacted, that have failed, and that have not yet come through for the rape victims of the region. 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Competitive Landscape in Commercial Real Estate Free Essays

Home  » Property Types  » Retail  » Clash of the Titans: Regional Mall REITs Fight for Limited Outlet Development Opportunities Clash of the Titans: Regional Mall REITs Fight for Limited Outlet Development Opportunities May 9, 2012 12:54 PM, By Elaine Misonzhnik, Senior Associate Editor In the fall of 2010 executives with Taubman Centers Inc. , a Bloomfield Hills, Mich. -based regional mall REIT, began talking about the REIT’s new avenue for growth: outlet centers. We will write a custom essay sample on Competitive Landscape in Commercial Real Estate or any similar topic only for you Order Now Article Tools ? Latest News More Latest News Taubman had recently completed the conversion of its Great Lakes Crossing property in Auburn Hills, Mich. , a 1. 35-million-sq. -ft. enclosed regional mall, into Great Lakes Crossing Outlets. Taubman was able to sign up many tenants that were not present elsewhere in Michigan, including Bass Pro Shops Outdoor World, Disney Store Outlet and Rainforest Cafe. Great Lakes Crossing Outlets was attracting both local shoppers and Canadians from across the Detroit River. As a result, the center’s sales per sq. ft. umbers rose significantly, company officials said during earnings calls. The success in Auburn Hills helped convince Taubman’s management to capitalize on additional outlet center opportunities. Besides, in a market saturated with fortress malls and lifestyle centers, outlet centers represented one of the last opportunities for ground-up construction. Robert S. Taubman, the REIT’s chairman, president and CEO, laid out a goal of developing from five to 10 outlet centers in the span of a decade. Among the first such undertakings Taubman pursued was a site in Manvel, Texas, near Houston. The site seemed a good fit for Taubman’s target outlet center sales level of at least $400 per sq. ft. The median household income in Manvel is $65,864 a year, more than $15,000 higher than the median household income for the state as a whole. In addition, the town’s proximity to Houston would give Taubman access to 2 million potential shoppers. Taubman’s Texas ambitions, however, did not pan out. Both Tanger Factory Outlet Centers, a Greensboro, N. C. -based REIT that specializes in outlet center development, and Simon Property Group, the largest retail landlord in the country in both the regional mall and outlet center arenas, had laid claims to outlet center development sites in nearby Texas City, just 22 miles away. According to brokers familiar with the market, the greater Houston area could not support two, let alone three, outlet centers. In June 2011, Simon and Tanger took a decisive step to win the market by announcing that they would partner to build a 350,000-sq. -ft. joint development in Texas City under Tanger’s brand name. It marked the first joint venture development partnership in Tanger’s history. Ultimately, the two firms decided to work together on one large outlet center rather than spend money fighting each other, says Michael Rodenas, principal with Rodenas Consulting, a national consulting firm that specializes in shopping centers and malls. As a result, Taubman quietly retreated from the market. In July 2011, while discussing the company’s earnings for the second quarter, Robert Taubman admitted to analysts that outlets constitute â€Å"a very competitive space. It’s a very competitive world out there in development generally. † He reiterated the company’s commitment to investing in outlet centers both in U. S. and in Asia, but refused to discuss the Texas project. The Houston saga wasn’t the only time Taubman and Simon came to loggerheads in the outlet space. In early April, Simon and Taubman each issued press releases about competing outlet center projects in Chesterfield, Mo. , another market where trade area demographics seem to dictate that only one outlet development can succeed. On Apr. 3, Simon revealed that Saks Fifth Avenue OFF 5th agreed to anchor its St. Louis Premium Outlets, an outlet center slated to contain at least 350,000 sq. ft. of space. (St. Louis Premium Outlets is a product of a joint venture between Simon, Woodmont Outlets and EWB Development LLC, all experienced outlet center developers. ) Two days later, Taubman announced it broke ground for Taubman Prestige Outlets Chesterfield, a 450,000-sq. -ft. center. Taubman’s press release noted that it had firm commitments from a number of tenants, but did not identify any retailers by name. It is likely that only one of those two centers will get built in Chesterfield. â€Å"We’ve said publicly, I think, Simon has said publicly that there is only going to be one project built in St. Louis,† Robert Taubman said during the firm’s first quarter earnings call. â€Å"We are way ahead, on a much better site with much better access, much better visibility. †¦ So to us it’s very clear as to which project is going to be built. † Most industry sources, however, are putting their money on Simon because of the firm’s size, its existing network of relationships in the outlet center industry and the fact that it has already bagged a major tenant. The large regional mall players, including Simon, Taubman, Macerich Co. CBL Associates Properties and others, have all made overtures to enter the outlet space. But with limited opportunities for development and an existing group of experienced landlords already competing there, these battles—competing press releases, wars of words and unconventional partnerships— are likely to continue to play out repeatedly throughout the country. CBL Associates recently invested in The Outlet Shoppes in El Paso (Texas). Last spring, both Simon and Tanger announced outlet center projects in the town of Halton Hills, a suburb of Toronto. Tanger has since moved its project further away and will build it as an outlet addition to Heartland Town Centre, one of Canada’s largest power centers. Simon, meanwhile, started construction on its original site in Halton Hills in April. And in the Chicago area, Macerich and AWE Talisman have announced plans to build a $200 million, 528,000-sq. -ft. outlet center in Rosemont while Craig Realty Group, a privately held outlet center developer, has ambitions to develop Chicagoland Outlets at Country Club Hills, a 408,500-sq. -ft. project. Simon Property Group declined to comment for this article. Tanger, Taubman, Macerich and Craig Realty Group, meanwhile, did not respond to calls for comments. â€Å"The problem is—as we saw when developers started to roll out lifestyle centers—that everyone goes after the same markets,† says Jeff Green, president of Jeff Green Partners, a Phoenix-based consulting firm. â€Å"And many times the newer folks to the outlet industry are going to find that it’s a much harder industry to get into when there are relationships that have been in place for so many years. † In certain isolated instances, uch as the one near Houston, two big developers might form joint ventures because one of them holds a better site while the other wields more power with retailers. Such examples, however, will be few and far between, according to Richard Hauer, managing director of business restructuring services at BDO, a New York City-based consulting firm. â€Å"Let me put it this way: Neither Simon nor Taubman is going to build a second-rate outlet mall,† he says. â€Å"So if the first guy can get Coach and Polo and Saks and a few of those names that every outlet mall really wants, you’ll see the other guy back down. Mass appeal The reasons the outlet sector has suddenly become overcrowded are easy to trace. During the downturn, outlet center sales rose while mall sales fell or remained flat because shoppers were suddenly attracted to outlets’ value proposition. What’s more, as these centers moved closer to urban areas and proved that they can work in close proximity to regional malls, the number of markets that could support new projects increased. With limited opportunity for growth elsewhere, regional mall REITs began to focus on the outlet sector. Real estate owners that want to gain market share in a new property segment typically have two avenues for growth: either through acquisition of multiple assets or another operating company or though development. But when Simon bought Prime Outlets Inc. in 2010 it snapped up the last big privately-held outlet center operator in the market. Today, â€Å"no private guy controls 20 or 30 centers that could be sold,† says Gerard Mason, executive managing director with Savills LLC. What’s more, there is a wide spread on yields between development and investment. For instance, CBL Associates, a Chattanooga, Tenn. -based REIT, recently invested more than $108 million to provide financing for two outlet centers developed by Horizon Group Properties, a Rosemont, Ill. -based outlet center developer. (CBL has also partnered with Horizon on groundup projects in Oklahoma City and Woodstock, Ga. ) But CBL CEO Stephen Lebovitz admits that development projects offer double-digit returns while investing in existing centers brings returns in the 8 percent range. I would expect that our growth will be mainly through new development,† he says. At the same time, Lebovitz notes that the number of markets in the U. S. that would meet CBL’s development criteria, including a trade area of approximately a million people, a sizeable tourist base and lack of existing competition, is limited. One high-ranking industry source says that for developers targeting outlet center sales on par with Simon’s levels, which average about $550 per sq. ft. , there are maybe 10 untapped markets left that fit the necessary trade area characteristics. For developers targeting Tanger’s sales levels, which currently average $371 per sq. ft. , there are about 40 untapped markets. â€Å"But there aren’t 100,† the anonymous source notes. By the end of the 2012, there will be 187 outlet centers containing 71 million sq. ft. , according to Value Retail News, a publication that covers the outlet industry. Linda Humphers, editor-in-chief of Value Retail News, estimates that in the long term, the country may be able to support another 250 centers, but that would include conversions. Occasionally, a developer will be able to find a site in an offbeat location that nobody else has thought about, says Gerard Mason. But for the most part, all the REITs are looking at the same markets, and in many cases, at the same piece of land. â€Å"There is clearly room for growth in the sector—every major metro area can certainly support outlet retail,† says Michael P. Glimcher, CEO of Glimcher Realty Trust, a Columbus, Ohiobased regional mall REIT that also owns outlet centers in Elizabeth, N. J. and Auburn, Wash. I just think the reality is there are a lot of people in that category and only a small percentage of what’s being announced will actually get built,† Glimcher says. Bloodless war When it comes to handling competition on new developments the big retail REITs have acquired a reputation for being ruthless, employing tactics such as funding community opposition groups to derail each others’ projects, says Patrick Fox, president of Saint Consulting Group, a firm that specializes in zoning and land-use battles. These are mature markets, they are largely over-built and the battle for market share is tremendous,† he notes. But unlike large regional malls that tend to be located in major urban areas, outlet centers don’t normally inspire the same kind of opposition from local residents, according to James Schutter, senior managing director with Newmark Knight Frank Retail, a retail real estate services firm. In fact, many communities want to see outlet centers built because of the tremendous amount of sales tax revenue they bring in. The real battle in outlets’ case is for tenant commitments. Although the outlet industry doesn’t have anchors in the same sense that the regional mall industry does, there are certain key stores that are necessary to attract shoppers and that the rest of outlet retailers follow, notes Hauer. These include Saks Fifth Avenue OFF 5th, Coach and Polo, as well as Neiman Marcus Last Call and Nordstrom Rack. About a decade ago, Hauer tried to develop an outlet center near Syracuse, N. Y. When he started negotiating with potential tenants the answer was â€Å"if you can get Polo, we’ll sign. Otherwise, we are not interested. † When there are two developers competing to build a center in a market that can support only one project it becomes a race to be the first to announce leases with major tenants. The developers try to convince expanding retailers that their center is the one that’s going to happen by putting out announcements about land permits and ground-breakings. Ultimately, however, it’s the line-up of tenants that determines whose center gets built. â€Å"Developers announce that they will put together a mall [all the time], they don’t always make it happen,† says Schutter. If you’ve got this tenant and this tenant and this tenant coming, the other guys in the marketplace say, ‘Let’s go into this project. ’† â€Å"A ground-breaking is not as strong as being able to announce a strong anchor tenant,† Fox adds. So how do those key retailers decide who to go with when the choice is between Simon and Tanger, or Simon and Taubman or Mac erich and Craig Realty Group? After Taubman converted its Great Lakes Crossing project into an outlet center, sales rose significantly. Having the best site certainly makes a difference, which is why Simon may be willing to partner with Tanger if Tanger has secured a better location, according to Michael Rodenas. When the projects are in the same trade area, the choice might come down to seemingly small differences like which side of the highway the center will be located on or which zip codes in a given area are missing from the retailer’s customer base. But in the outlet industry, having existing relationships with a potential landlord is also very important, according to Hauer, Green, Lebovitz and others. And in this, Simon, which controls the largest mall portfolio and the largest outlet center portfolio in the country, has a tremendous advantage. That might not come into play as much in the Simon/Tanger relationship because the two REITs specialize in slightly different projects, but it will likely loom large in any battle between Simon and other regional mall REITs. â€Å"If you [as a tenant] get Simon angry with you on the outlet side, they can be angry with you on the traditional retail side also,† says Green. Let’s just say that in that case the developer has a large hammer, a larger hammer than any mall-only developer would have. † That’s why most retail industry insiders feel that while Taubman and the other regional mall REITs will eventually be able to build a handful of outlet centers, they will not be able to break into the business in the big way they had imagined. â€Å"The outlet mall industry is kind of a closed world,â €  says Schutter. Sidebar: Eastern Promises While U. S. retail REIT executives try to build up their outlet portfolios at home, most of them realize that growth opportunities here are limited. So in recent months they’ve been announcing outlet center projects elsewhere in the world, including Canada, Brazil, Japan, China, South Korea and Malaysia. In April, Simon signed a deal with BR Malls Participacoes S. A. to develop outlet centers in Brazil, with the first project scheduled to be built in Sao Paulo by 2013 and started construction on Phase I of Shisui Premium Outlets, a 234,000-sq. -ft. outlet center in Shisui, Japan. Both Simon and Tanger have been working on outlet centers in Canada, including Simon’s 500,000-sq. ft. Toronto Premium Outlets in Halton Hills and Tanger’s 312,000-sq. -ft. outlet addition to Heartland Town Centre in Mississauga. And Taubman executives have told analysts they are looking to build outlet centers in Asia, where Taubman already has offices in Hong Kong and Seoul, South Korea. â€Å"In the U. S. , you are not going to see outlet centers double in number,† says Gerard Mason, executive managing director with Savills LLC, a global real estate services firm. â€Å"That’s why Simon is in Brazil and China. In Brazil they might be able to do 15 outlet centers because their middle class is just emerging and they need shopping centers. † —E. M. Sidebar: Mini-Malls With the increase in outlet centers’ popularity, the concept has evolved to represent something different than a small collection of factory stores in the middle of nowhere. In the 1980s and 1990s, the rule of thumb was that an outlet center had to be located at least 70 miles away from the closest phone line, jokes one broker. Today, if a shopper goes to Central New Jersey, â€Å"you have the Freehold Raceway Mall [a 1. -million-sq. -ft. superregional center] and then 10 to 15 minutes away, there is an outlet mall,† according to Richard Hauer. Today’s outlet centers have grown larger, sometimes containing up to 450,000 sq. ft. or 500,000 sq. ft. of space, whereas the outlet centers of yesterday tended to average 150,000 sq. ft. The tenant line-up has changed from manufacturers to big retail cha ins, many of which, including Nordstrom, Neiman Marcus, Saks Fifth Avenue, Bloomingdales, Gap, J. Crew and Aeropostale, have established off-price and outlet divisions. Plus, outlet centers now feature mall-like amenities, such as food courts, restaurants and movie theaters, because people are staying on the properties longer than they used to, notes Michael Rodenas. And when CBL Associates Properties and Horizon Group Properties were working on the plan for The Outlet Shoppes at Oklahoma City, a 350,000-sq. -ft. center that opened last summer, CBL marked land around the property for the addition of restaurants and hotel facilities. â€Å"We feel it adds critical mass,† says Stephen Lebovitz. —E. M. How to cite Competitive Landscape in Commercial Real Estate, Papers

Money Market Trading Strategies free essay sample

Money market trading strategies Looking at the prediction made, i. e. the money market interest rate will increase for the next six months, the team has come out with a few strategies to be undertaken in order to maximise the bank’s profit. The first instrument will be of the cash products, including overnight cash, 7-day cash and loan, and secondly, the discount security which consists commercial bills. 1. Overnight 7-day Cash The bank can offer to take overnight deposits or make overnight loans to big corporations, making use of the increasing interest rate for the next six months. High interest rate will attract corporations who have some amount of money which is unused to be parked somewhere to at least generate some profit, to invest the deposit in the bank. This will give them some yield of say, 0. 0178% per day (6. 5% per annum). Therefore, a deposit of $5 million will give them a return of ,780. We will write a custom essay sample on Money Market Trading Strategies or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Likewise, corporations who need an overnight loan will also go to the bank for some funds. The bank’s strategy is to know which price other banks are offering to the client. The two prices quoted by a bank will determine the lending and investing rate of clients. Therefore, if the common quote is 6. 50-65, our bank can narrow down spread, with quote of say 6. 50-62. Though it gives lesser profit, it attracts more clients who are savvy with the market condition. 7-day cash gives the same yield. The only difference is the period of the deposit and loan, which is a fixed period of 7 days. 2. Loan (fully-drawn advance) There are two types of short-term loan; committed loans and uncommitted loans. The bank can concentrate more on the committed loans, as it has commitment fee payable. An increase in interest rate will then increase the profit of the bank issuing loan to corporations. . Commercial Bills (Bills of exchange) The bank can issue commercial bills; or rather bank accepted bills (BAB), where the bank acts as the acceptor of the bill and charges a fee for acceptance. BABs will be more attractive than normal commercial bills, as banks have high credit-worthiness. Therefore, it is a good step to promote on the BAB issuance with the prediction of the increasing interest rates, as PV = FV__ (1 + yt) An increase in y (yield to maturity, or return) will cause the denominator in the fraction to increase, and PV to decrease, as PV is inversely related to the fraction. When PV decreases, more lender (discounter) will be attracted to buy the bill. Recommendation After all the analysis, it is recommended that the bank promote on cash product like overnight cash, 7-day cash and loans, and discount security like commercial bills to maximise its profits. Risk Obstacles Associated From the Strategies When endorsing cash products such as overnight cash, 7-day cash, loans and discount securities, there are risks that a bank may face. Competition One of the risks related would be competition. Competition from other banks will put pressure on a bank to bid lower while forcing higher offer rates, this in turn will minimize the market spread. This mainly involves overnight cash and 7-day cash products. Price Risk There is also price risk. This risk is where the interest rate movement will reduce the value of securities held by a trader or dealer. A bank will be affected by market risk if it sets a competitive price should an unexpected increase in market yield occur, as this will drop the value of a bank’s position. Basis Risk Another risk is the basis risk. This is the risk where the hedge is insufficient to cover the movement of the value in interest rates. Market interest rates might increase instead of decrease and this will reduce a bank’s profit. Information asymmetry Other risks may include information asymmetry. This is a situation where dealers may anticipate and forecast yield movement better because of information data that they can access but which the bank does not have. Bank-Accepted Bills: Acceptor’s Risk The primary liability to exchange the bill at maturity falls upon the acceptor; therefore, the bank has the ultimate responsibility to honour the bill at maturity. It carries the risk that the drawer may not comply with the associated financial agreement to pay the bank the face value of the bill at maturity. Difficulty to Cancel or Alter Once a forward cash contract is entered, its commitment may be difficult to cancel or alter. This limits the bank to retreat from the contract if the terms appear unfavorable in the future. Conclusion The report shows that interest rates have been increasing since January 2005 due to the rise in the economic growth rate in Australia. According to the analysis the market interest rate is expected to increase in the next 6 months due to various factors such as economic growth, inflation and increase in commodity prices. Based on this prediction, various strategies can be used to hedge interest rate risks and maximize profits of the bank. The bank can make its decisions based on the viability of the strategies considering the possible risks and obstacles that the bank may face for taking a particular profit-driven strategy.

Edgar Allan Poe Biography Essays - Edgar Allan Poe,

Edgar Allan Poe Biography Edgar Allan Poe Many authors have made great contributions to the world of literature. Mark Twain introduced Americans to life on the Mississippi. Thomas Hardy wrote on his pessimistic views of the Victorian Age. Another author that influenced literature is Edgar Allan Poe. Poe is known as the father of the American short story and father of the detective story. To understand the literary contributions of Edgar Allan Poe, one must look at his early life, his literary life, and a summary of two of his famous works. "Edgar Allan Poe was born in Boston'' (Inglis 505) "on January 19, 1809'' (Asselineau 409). He was born to a southern family that were in a traveling company of actors (Inglis 505). His father, David Poe, was from a Baltimore family. He was an actor by profession and a heavy drinker. Soon after Edgar Allan Poe was born, he left his family. Poe's mother, Elizabeth Arnold Poe, was a widow at the age of eighteen. Two years after his birth, she died of tuberculosis (Asselineau 409). When his mother died, Poe was adopted by John Allan (Perry XI) at the urging of Mr. Allan's wife. In 1815, John Allan moved his family to England. While there, Poe was sent to private schools (Asselineau 410). In the spring of 1826, Poe entered the University of Virginia. There he studied Spanish, French, Italian, and Latin. He had an excellent scholastic record. He got into difficulties almost at once. Mr. Allan did not provide him with the money to pay for his fees and other necessities. Poe was confused and homesick. He learned to play cards and started drinking. Soon he was in debt in excess of two thousand dollars. Poe discovered that he could not depend upon Allan for financial support. His foster father refused to pay his debts, and Poe had to withdraw from the University (Asselineau 410). In May of 1827, Poe enlisted in the army as a common soldier. He did this under the name of Edgar A. Perry. He was stationed on Sullivan's Island in Charleston Harbor for over a year. Poe adapted very well to military discipline and quickly rose to the rank of regimental sergeant major. After a while, he got tired of the same daily routine involved in military life. Poe wrote regularly to Mr. Allan. He met with Mr. Allan after the death of Mrs. Allan in February of 1829. With Allan's support, he received his discharge and enlisted in West Point on July 1, l830 (Asselineau 410). While at West Point, Mr. Allan, who had remarried, continued in not providing Poe with enough money. Poe decided to have himself kicked out of school. Cutting classes and disregarding orders were his solutions. He was court-martialed for neglect of duties in January, 1831, and left West Point the following month (Asselineau 411). "Poe was great in three different fields , and in each one he made a reputation that would give any man a high place in literary history. Poe wrote great short stories, famous not only in his own country, but all over the world (Robinson V)." "Hawthorne, Irving, Balzac, Bierce, Crane, Hemingway and other writers have given us memorable short stories; but none has produced so great a number of famous and unforgettable examples, so many tales that continue, despite changing standards to be read and reprinted again and again throughout the world (Targ VII)." "Poe was the father of the modern short story, and the modern detective story (Targ VII)." "With the possible exception of Guy de Maupassant, no other writer is so universally known and esteemed for so large of a corpus of excellent tales as in Edgar Allan Poe (Targ VII)." In 1831, Poe succeeded in publishing a new edition of his poems entitled, Poems. Poe was now in great difficulty. He went to New York, but could find no job there. Eventually he took refuge with his aunt, Mrs. Clemm, in Baltimore. There he decided to seek employment and make his living by writing. Failing to get attention with his poems, he decided to start writing short stories. Poe competed in a contest for the best short story in 1831. The prize

Essay on Leadership

Essay on Leadership Essay on Leadership Essay on Leadership  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Leaders play an important role in establishing and maintaining healthy working environment. Leaders have the proper skills and abilities to lead people, manage people, and develop teams in order to meet the major organizational goals. Leaders inspire other to follow and achieve the established goals. According to Chuck Williams (2010), â€Å"leadership is the process of influencing others to achieve group and organizational goals†(p. 537). In order to conduct a leadership analysis, it is necessary to learn more about a leader and his/her approach in leadership, management and group/team dynamics. Special attention should be paid to the background and development of the individual, as well as, to organizational dynamics, which provides a solid understanding of leadership strategy on particular situations or crises, which make an individual show his/her leadership skills. According to Winston (2008) â€Å"leaders a llocate sufficient authority and resources to subordinates to enable them to make significant decisions and act independently within their area of responsibility†(p. 8). Indra Nooyi CEO Pepsi is an effective leader. According to the survey conducted by Forbes magazine, she is the fifth most powerful women in the world. Indra Nooyi is a role model for many women who run their businesses because her organizational dynamics is effective and contributed to the overall success of the company on the competitive market.The background and development of an individual  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Indra Nooyi CEO Pepsi is an effective leader, who demonstrates her best skills and abilities to maintain healthy working environment and inspire others to follow her approach. According to Chuck Williams (2010), â€Å"Indra Nooyi, PepsiCo’ CEO, talks straight, has a sharp sense of humor, and sings in the hallways wherever she is† (p. 537). According to psychologist s, there are four major behavioral styles: â€Å"extrovert†, â€Å"controller†, â€Å"people-pleaser† and â€Å"meticulous† (Williams, 2010). Indra Nooyi, PepsiCo’ CEO is an extrovert. She is an open and self-confident person, who is focused on the achievement of the established goals. She is persuasive, but may act with aggressiveness if she fails to persuade others.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Today Indra Nooyi is Chairman and CEO of PepsiCo. Indra Nooyi is a leader of a huge business company that is specialized in food and beverage production.   According to experts, â€Å"PepsiCo has 22 brands that generate more than $1 billion each in annual retail sales†(PepsiCo, Official Site, 2014). Indra Nooyi was elected a President and CEO of PepsiCo in 2006, and assumed the position of Chairman in 2007. She managed to develop and successfully direct the company’s global strategy aimed at corporate restructuring (Cunningha m Harney, 2012).  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Besides, Indra Nooyi has a huge experience, which helps her to achieve the established goals in her career development. In 2001, she held the position of President and Chief Financial Officer in PepsiCo’s Board of Directors. Her direct responsibility was performance of the key corporate functions, â€Å"including finance, strategy, business process optimization, corporate platforms and innovation, procurement, investor relations and information technology† (PepsiCo, Official Site, 2014). In 2000-2001, Indra Nooyi held the chair of Senior Vice President and Chief Financial Officer of PepsiCo. In 1996-2000 she served as Senior Vice President, Corporate Strategy and Development of PepsiCo. In 1994-1996, she served as PepsiCo’s Senior Vice President, Strategic Planning (PepsiCo, Official Site, 2014). Before career at PepsiCo, Indra Nooyi served as Senior Vice President of Strategy and Strategic Marketing for Asea Brown Boveri. She was responsible the companys U.S. business and international business (PepsiCo, Official Site, 2014).  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Indra Nooyi has got good education. She â€Å"holds a B.S. from Madras Christian College, an M.B.A. from the Indian Institute of Management in Calcutta and a Master of Public and Private Management from Yale University† (PepsiCo, Official Site, 2014). She is married. She is a good wife and mother of two children.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Indra Nooyi’s personal development is reflected in her outside activities. She is not only the member of the PepsiCo Board of Directors, but she also is the member of the boards several business organizations, including â€Å"U.S.-China Business Council, U.S.-India Business Council, The Consumer Goods Forum, Catalyst, Lincoln Center for the Performing Arts and Tsinghua University, the Foundation Board of the World Economic Forum, the American Aca demy of Arts Sciences, Successor Fellow of Yale Corporation and U.S.-India Forum† (PepsiCo, Official Site, 2014).Essay on Leadership part 2

Compare and Contrast 10 Cultural Death Rituals Essay

Compare and Contrast 10 Cultural Death Rituals - Essay Example They believe that death is an important aspect of culture especially the Bakongo people. African Americans believe that death is not a time of sadness but rejoicing because the dead person leaves the troubles and sufferings of the world and goes to a place full of happiness. This is important to healthcare provision because it helps care givers to prepare for a terminally ill patient without much difficulty and also make it easy for them to announce the death of a loved one to the people. They believe in life after death. When a person dies, he cannot be buried in a rainy day, should be buried facing east to allow him or her to rise at judgement day (Lobar, Youngblut & Brooten, 2006). White Americans believe that death is a natural ending of life caused by a variety of sources and also that there is life after death. Death rituals in this culture includes visitation where the body of a deceased is placed on coffin to allow for viewing, performance of a funeral (memorial service involving the clergy and a eulogy) and a burial service where the deceased is laid to rest. This affects healthcare delivery in the sense that when a person dies in the hospital, it becomes easier for nurses and other medical professionals to explain to the family members of the cause of death (Vaughn, Jacquez & Baker, 2009). Arab Americans have death rituals as well. They believe in life after death. First, they prefer to bury the body of the deceased the same day that the death occurs. However, before the body is buried, they wash the body and all its orifices. They do not allow organ donation after the death of their loved ones. These rituals have effects to healthcare provision. Washing the dead body could lead to numerous infections and further deaths in cases of communicable diseases. The refusal on organ donation makes it difficult for people to get organs when they need them and this negatively affects healthcare provision (Padela, Gunter

Americanization Essay Example | Topics and Well Written Essays - 1250 words

Americanization - Essay Example Ellis further contributed to this definition by arguing that, despite Thomas Jefferson advocating for the end of slavery, he has many contradictions, which prove he indeed was for slavery and not its abolition. According to Joseph Ellis, Jefferson owned approximately 600 slaves, and his tobacco plantation relied entirely on slave workers. To add on to Jefferson’s definition, Ellis argues that, according to Jefferson, superiority came with skin color. The light skinned slaves had a more superior position than other slaves. Frederickson’s models of American Ethnic relations further compound on the need for one America without racial differences. He says: â€Å"group separatism emanates from cultural ethnocentric concerns about the standing and fate of a certain group† (Ellis, 457). Despite the difference, in skin color and physical appearance, the color of the blood is the same, the brain the same when expose to the same conditions like infrastructure and technolog y. Can Americanization be achieved with color still a factor? Racism vs. Americanization: Americanization, which is the dream of every American, with freedom and equality based on racial differences is not what is quite being experienced. This is shown by Thomas Jefferson in his notes on the state of Virginia. ... According to Sherman Alexie’s work, assimilation shows how one tries to adopt other people’s culture and the way of life in general in order to fit in a society. This is made hard by the external features that one possesses like color, texture of the hair and height depending on one's race. Marriage between people of different races is highlighted here and prejudice is very apparent despite one's efforts to assimilate into the other person’s culture. Despite how much one tries to fit into a foreign way of life especially where the difference is based on race, one still stands out because some external features are so obvious, and one cannot hide them. Sherman Alexie’s view on Americanization is that people are expected to assimilate the American culture despite their different externalities, hence robbing the immigrants of their originality. Therefore, Americanization is American based and for the Americans only. Looking at Americanization by Studs Terkelà ¢â‚¬â„¢s eyes, we find that even in the job sector racism is very much evident. Stephen Cruz’s story by Studs Terkel in Rereading America state that the American dream is not governed by hard work, opportunity and education, but by fear and power (365). How much a person can achieve, being racially different, will always be a setback which, as Cruz says, should be overcome for Americanization to take root. Americanization which comes with the American dream should pave the way for everyone living in America to have liberty and freedom from any form of discrimination wherever one is, be it at home, in politics, education or the job sector. Other people from the natives

Death Script pertaining to chronic illness Assignment

Death Script pertaining to chronic illness - Assignment Example As I became immersed in my reverie I imagined my husband and my mother at my side when the doctor gave me the dreaded news that I had leukemia. I saw myself not being able to respond at all to what the doctor was telling us. My mother’s silent sniffle seemed distant and unreal and I couldn’t bring myself to see my husband. The news of death shocked me to the extent that I kind of forgot my surroundings and the people I loved so dearly. It’s almost as though that moment was reserved just for me. A hope still lingered at the back of my mind that my physician may be mistaken, that the possibility of finding cure elsewhere would be worth making the effort for. I tried to comfort myself with the thought that I wasn’t the only one dying. After all people die every day, every second even and it’s just a reality check that everyone has to come to terms with (CDC 2009). I suppose I’m better off than a lot of people who die at such a young age having not even started their lives. I tried to rationalize the news of my death by considering the fact that middle aged women are most prone to die if they have leukemia (Emedtv n.d). I comfort myself with the thought that at least I gave birth to five beautiful children and I got to raise them to be good human beings. I got the opportunity to bond with a man who fathered my children and made me feel special in so many ways. Still the agony, the betrayal of life itself and the fear of not knowing what lay ahead of me gave me a sinking feeling, sucking out all my happiness in an instant. As days passed by it felt like I was already dead. My mother was constantly at my side and as much as my husband wanted to be there someone had to stay home to take care of my children and tend to worldly affairs. My mother would try to distract me to take my mind off of my illness but I knew that it was all she could think about too. I wished I could spend

Detection of Low Level Sex Chromosome Mosaicism

Detection of Low Level Sex Chromosome Mosaicism Abstract Turner syndrome (TS) is most commonly due to a 45,X chromosome defect, but is also seen in patients with a variety of X-chromosome abnormalities or 45,X/46,XY mosaicism. The phenotype of TS patients is highly variable, and depends largely on the karyotype. Patients are at an increased risk of gonadoblastoma when a Y derived chromosome or chromosome fragment is present. Since constitutional mosaicism is present in approximately 50% of TS patients, the identification of minor cell populations is clinically important and a challenge to laboratories. Aim: The purpose of the present study was the application of fluorescence in situ hybridization (FISH) assay to identify low level mosaicism for an XY or XX cell population for TS patients with monosomy X and also to identify the nature of sex chromosome markers detected by conventional cytogenetic studies. Methods: The study included 65 female patients with a clinical suspicion of TS, they were selected from the Genetic Clinic, Medical Research Institute, University of Alexandria. Chromosome analysis by G-banding technique was done. FISH was performed using centromere probes for the X and Y chromosomes. Results: Chromosome analysis by G-banding technique revealed the following results: twenty patients (30.77%) had a 45,X karyotype; mosaicism for a second normal or structurally abnormal X was observed in 27 (41.54%) cases, mosaicism for Y chromosome in 5 (7.69%) cases, 7 (10.77) had mosaicism involving a marker chromosome; and non mosaic structural abnormalities of the X chromosome was present in 6 (9.23%) patients.To further investigate the possibility of mosaicism in the 20 patients with an apparently nonmosaic 45,X karyotype, and to identify the nature of chromosome markers in the 7 patients carrying a marker, FISH was performed using centromere probes for the X and Y chromosomes. A minor XX cell line was identified in 6 patients, XY mosaicism were identified in 3 cases and the 45, X result was confirmed in 11 samples. FISH analysis performed on the 7 patients with chromosome markers, identified the origin of these markers as X chromosome material in 3 patients, and Y-derived chro mosome in 4 patients (idic Y with a double hybridization signal corresponding to double centromeric region). Conclusion: FISH is a useful tool in the detection of low frequency cell lines and identification of the nature of unknown chromosome markers that have important implications for the management of patients with Turner syndrome. FISH as an adjunct to karyotype analysis provides a sensitive, specific, rapid, and informative technique to identify sex chromosome mosaicism in TS patients. Key Words: Turner syndrome, monosomy X, mosaicism, 46, XY cell line, gonadoblastoma. INTRODUCTION The incidence of Turner syndrome (TS) is approximately one in 3,000 newborn girls and is associated with an apparently nonmosaic 45, X karyotype in many of these patients.(1) Based on chromosome analysis 30%-50% are mosaic with  a second X or a structurally abnormal X, and  fewer than 10% of TS patients have mosaicism with a 46, XY cell population or a Y chromosome rearrangement. The mosaic status of the remaining TS patients remains uncertain but of clinical interest because if they do have cells with a Y chromosome or Y-derived fragment, they may have an increased risk of gonadoblastoma.(2) Because a 45, X karyotype usually causes fetal death, it has been postulated that all liveborn 45,X infants must be mosaic with either a Y or a second X in some cells.(3) The hypothesis of the necessity of mosaicism for survival is supported by the argument for the existence of a feto-protective effect of one or more genes on the sex chromosomes (X or Y). According to this concept, two copies of the gene(s) should be present, either in the fetus or in the extra-embryonic tissues.(4) Both, embryonic mortality and the Turner phenotype, are considered to be a result of monosomy of a common gene (s) of the X and Y chromosomes. It is assumed that, in women, these genes are expressed in both active and inactive X chromosomes as a means of ensuring the right quantity of genetic product.(5) The American College of Medical Genetics recommends cytogenetic analysis of 30 metaphase cells to rule out sex chromosome mosaicism.(6) This analysis can identify 10% mosaicism with  a confidence level of 95% but a more sensitive  level of detection requires analysis of many more metaphase cells, which is costly. PCR-based assays have been used to identify low-level mosaicism.(7) Fluorescence in situ hybridization (FISH) using X and Y chromosome probes has been validated (8) as a reflex test in apparently nonmosaic 45,X individuals to identify low-level mosaicism.(2,9) One of the advantages of applying the FISH technique is the possibility of studying mosaicism in both interphase nuclei and metaphases.(5) The purpose of the present study was to show the value of FISH analysis to identify low level sex chromosome mosaicism in Turner syndrome with nonmosaic monosomy X, and also to identify the nature of marker chromosomes detected by conventional cytogenetic studies. METHODS The study included 65 patients with clinical features suggestive of TS, they were selected from the out patient clinic, Human Genetics Department, Medical Research Institute, University of Alexandria over a period of 4 years. Chromosomes were prepared according to standard techniques for culturing lymphocytes from peripheral blood, and the preparation was treated with trypsin to obtain G-banding.(10) A minimum of 30 metaphases were analysed, and 3 were photographed for each patient. FISH analysis using the classic alpha-satellite probes for the X [DXZ1] and Y [DYZ3] centromeres (CEP-X and CEP-Y, Vysis Inc., spectrum green hybridizes to the centromere of human chromosome X, and spectrum orange hybridizes to the centromere of human chromosome Y) was performed in cases with nonmosaic 45, X karyotype to detect low level sex chromosome mosaicism and also in cases with chromosome markers to identify the nature of these markers. The protocol followed was that provided by the manufacturer. The normal cutoff was determined to be 1.0% for a second X signal and 0.6% for a Y signal in analysis of 500 interphase cells. (11) Whenever interphase FISH analysis revealed evidence of a second cell population, a search was undertaken using FISH for metaphase cells to confirm its presence and examine the structure of the sex chromosomes in that population. FISH was performed in the Genetic Center, Genetic Counseling Society, Alexandria. Statistical analysis: Data were presented in the form of frequency and percentages. RESULTS Based on G-banded chromosome analysis of a minimum of 30 metaphase cells for the 65 patients included in this study, 45,X karyotype was found in 20 cases (30.77%), various mosaic complements was detected in 39 (60%), and non mosaic structural abnormalities of the X chromosome in 6 (9.23%) (table I). Mosaicism detected were as follow: 8 (12.31%) with numerical mosaicism involving  the X chromosome, 19 (29.23%) with structural mosaicism of the X chromosome, 5 (7.69%) with Y chromosome mosaicism, and 7 (10.77%) with mosaicism involving a marker chromosome, the level of mosaicism ranged from 8% to 86%. FISH analysis, using centromere probes for the X and Y chromosomes, identified mosaicism with a second X chromosome in 6 of the 20 patients with an apparently non-mosaic 45,X karyotype. The level of mosaicism detected ranged from 3.8% to 8.2%. Mosaicism with a Y chromosome was detected  in 3 patients, the level of mosaicism ranged from 2.4% to 7.2% (table II) (figure1). FISH improved the identification of mosaicism from 60% (39/65) to about 73.85% (48/65). FISH analysis performed on the 7 patients with chromosome markers, identified the nature of these markers as X chromosome material in 3 patients, and Y-derived chromosome in 4 patients (idic Y with a double hybridization signal corresponding to double centromeric region) (table III). FISH highlighted the differences between the initial diagnosis, based on G-banding, and the final diagnosis, determined by specific probes for the  X and Y chromosomes. FISH analysis detected  more Y-chromosomal material than karyotyping (18.46% (12/65) vs. 7.69% (5/65), respectively), and also detected more X-chromosomal mosaicism among the TS patients (55.38% (36/65) vs. 41.54% (27/65), respectively). Clinical, ultrasound and laparoscopic examination of gonads in patients with Y chromosome material revealed normal females with bilateral rudimentary streak gonads in 9 patients and females with clitoromegaly, unilateral streak gonads, and contralateral intraabdominal testis in 3 patients. Interphase cells showing one green signal of the X chromosome Interphase cell showing 2 green signals for X chromosome Interphase cell with one green signal for X chromosome and one red signal for Y chromosome Metaphase cell with one green signal for X chromosome and one red signal for Y chromosome DISCUSSION An estimated 1 in 50 conceptuses is affected with TS. However, only 1% of TS conceptuses survive to birth. It has been observed that there is a higher ratio of mosaic karyotypes to monosomy X in live births compared to aborted fetuses. This finding has led to speculation that most if not all patients born with TS must have mosaicism.(3) Phenotypic expression in TS patients largely depends on the karyotype, and identification of  sex chromosome mosaicism plays a key role in clinical management. Patients with documented mosaicism for a 46, XX or duplication of the  long arm have a moderate phenotype. Mental retardation is seen more frequently in patients with a small ring chromosome and deletion of the X-inactivation center (XIST).(12) Patients with a Y or Y-derived chromosome identified by routine  G-banding analysis may have as high as a 30%  risk of developing gonadoblastoma, although  most reports suggest an incidence of 7%-  10%. Therefore, identification of low level  Y chromosome mosaicism is also clinically important.(13)   Out of the 65 patients included in the present study, 45, X karyotype was found in 20 cases (30.77%), various mosaic complements was  detected in 39 (60%), and non mosaic structural abnormalities of the X chromosome in 6 (9.23%). Previous studies reported constitutional mosaicism in approximately 50% of TS patients based on chromosome analysis.(14) The detection of mosaicism is mainly influenced by the type and number of tissues analysed, the number of cells studied, and the sensitivity of the techniques applied.(4,5,15) FISH analysis of the 20 patients with 45, X karyotype included in the present study detected mosaicism in 9 patients: 6 had an XX cell line, and  3 had Y chromosome material. Therefore, FISH improved the identification of mosaicism from 60% to about 73.85%. Van Dyke and Wiktor (11) reported that FISH analysis improves the identification of mosaicism from 55% to 67% in patients with nonmosaic 45,X karyotype.They concluded that the identification of a cell population with a second X chromosome is sufficient to exclude, with a high degree of confidence, the presence of a Y-bearing cell population in that patient. Other investigators compared the results of lymphocyte G-banded karyotype with the use of interphase X/Y FISH analysis. They detected more Y-chromosomal matrial by FISH than karyotyping (in 15% vs. 11% of the women, respectively) and also detected more X-chromosomal mosaicism among the TS women (in 70% vs. 45% of the women respectively). They suggested the use of X/Y interpha se FISH as a complement to karyotyping in order to obtain a more complete knowledge of the chromosome constitution of each individuals with TS.(16) The Y-chromosomal material in TS individuals  is often present in the form of small marker chromosomes, which are difficult to positively identify by routine karyotyping. Furthermore, small markers are frequently missed altogether using  this technique, especially if limited numbers of metaphases are evaluated.(17) In the present  study, 7 (10.77%) patients were detected with mosaicism involving a marker chromosome, FISH analysis identified the origin of these markers as X chromosome material in 3 patients, and Y-derived chromosome in 4 patients, the nature of the Y chromosome was defined as isodicentric with  two centromeres. Approximately 20% of mosaic patients with TS have a sex marker chromosome.(14) The use of fluorescence in situ hybridization  (FISH) analysis has been well documented as  being effective in detecting and identifying sex chromosome markers.(18,19,20) In the present study, final diagnosis followed G-banding and FISH analysis identified Y-bearing cell population in approximately 18% of TS patients. Review of the literature suggested that 6-12% of patients with TS had 45,X/46,XY cell lines with  or without structurally abnormal Y.(21) This variation is a reflection of the numbers of patients studied,  the technique used, and the strategies employed  by different investigators to search for small populations of Y containing cells. Virilization with clitoromegaly was found in  3 cases in the present study with Y cell line mosaicism. It is believed that virilization in patients with TS is due to the presence of Y cell line within the gonad even if the Y cell line is not identified in peripheral blood. Therefore, virilization is an indication for detailed studies looking for the presence of Y mosaicism. (22) Early detection of Y-derived material in the genome of TS individuals is of great importance because of the relative high risk (10-30%) of developing gonadal tumors (i.e., gonadoblastoma or dysgerminoma).(23,24) Gonadoblastoma is a precursor tumor which may undergo malignant transformation into one of the virulent germ cell neoplasms (dysgerminoma, embryonal carcinoma, endodermal sinus tumor, chorioepithelioma or yolk sac tumor).(21) It has been suggested that a locus (GBY) predisposing to the development of this tumor is located in the pericentromeric region of Yp.(25) Although the natural history of gonadoblastoma in prepubertal patients is unknown, this tumor can be evident even in the first decade of life in streak gonads with Y mosaicism and may be bilateral. Therefore, prophylactic gonadectomy should  be recommended in patients with TS and Y chromosome mosaicism, because fertility is not an issue, surgical morbidity is minor, and the potential for malignant transformation is unknown.(26) If a patient declines gonadectomy, monitoring for germ cell neoplasm is the only option. However,  it is unclear whether methods in common use  today (vaginal ultrasound, biochemical markers, proteomics, etc.), even with compliant patients,  are able to identify germ cell neoplasms at early enough stages to improve the natural history of the disease. It is possible that a predictable and specific marker of malignant potential may be identified in the future. Until then, physicians will need to be continually updated on these important issues as they relate to the clinical management of patients with Turner syndrome.(21) In conclusion, FISH for the X and Y centromere probes is a useful adjunct to conventional cytogenetic studies in patients with apparently nonmosaic monosomy X. This additional assay improved the identification of mosaicism from 60% to about 73.85%. FISH method provides a sensitive, specific, rapid, and informative means of identifying low level X and Y mosaicism in TS patients, and can be employed on the same blood sample that is used for the conventional cytogenetic studies. FISH helped in identifying the nature of the unknown markers which has an important implication in the development of gonadal tumors. Metaphase FISH, and interphase FISH should complement and validate each other in the detection of covert Y and identification of rearranged X vs Y chromosomes.

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The Immigration Act of 1924 declared this, â€Å"the number of each nationality who may be admitted annually is limited to 2 per cent of the population of such nationality resident in the united states according to the census of 1890† (A). There are many reasons why this was passed. Those Reasons being; the loss of American jobs, the inability to easily assimilate immigrants, and the prejudice of the groups and people of the time.   Ã‚  Ã‚  Ã‚  Ã‚  One reason for the passing of the Immigration Act of 1924 is the loss of American jobs. Immigrants of the time came to the United States looking to increase his lot in life, to become a better more wealthier man. â€Å"The standard of living of the working classes of the United States has been and still is superior to that of the nations which have furnished the bulk of the immigrants† (C). The only problem with the immigrants coming to America to work was the fact that there simply was not enough jobs for both the unemployed American workers and the immigrants. This causes a problem for the Americans as the immigrants take lower wages than that of the average worker. Naturally the business owners will hire the cheaper labor thus leaving the American worker unemployed. Many labor organizations such as the American Federation of Labor and the Junior Order of United American Mechanists (H) backed the act for just this reason; American jobs were going to immig rants fresh off the boat.   Ã‚  Ã‚  Ã‚  Ã‚  The immigrants getting these ‘American jobs’ were not, and did not in some cases want to be easily assimilated. â€Å"These alien peoples are temperamentally and racially unfitted for easy assimilation; that they are living in an age two or three centuries behind ours. They are white, they can read a few lines, and they have a few dollars - so in they come. We need three generations to educate, to crossbreed with Western strains and to assimilate a large number of those that we have here now† (F). Education seemed not to be the only problem. Many educated second generations immigrant men were still, racially and temperamentally, part of their nationality. Therefore the conclusion of this is that the United States needs to limit the amount of immigrants it lets in every day, week, month, and year. â€Å"The rank and file of these unassimilated aliens still live mentally in the ghetto or as peasants on the great estates.

National Cranberry Cooperative Essay

Fill in your name in the header. Please read the Course Syllabus for guidelines on collaboration in assignments: Below, write your answers to Guiding Questions 1-4. The case is due at the beginning of class on January 29 (Wednesday). Please submit only one document per group. We will discuss the answers in class. You may want to print out your answers and charts for your reference during the class discussion. Some additional information about National Cranberry follows. Not necessarily all of this information is relevant to your answers. You may assume that: On an average â€Å"busy† day 18,000 bbl arrive over the 12-hr period (7 am to 7 pm). This is based on a typical busy day in September. The process is approximately a â€Å"continuous flow† type. Wet berries are 75% of all berries. Holding bins 17-24 are dedicated to wet berries. Capacity of the dumpers is 3,000 bbl / hr (it takes on average 7.5 minutes to dump a truck, a truck holds on average 75 bbl so, from Little’s Law, each dumper will take 600 bbl/hr). Drivers are paid $10/hr. Rates for other employees are given in the case. If you need to make additional assumptions to answer a question, clearly state them, logically defend them, and then proceed to answer the question accordingly. Questions 1.Analyze the current process. Using the process flow map (given below) of the current process at Receiving Plant No. 1 (RP1), mark the capacity and utilization of each of the resources. Show the flows of wet and dry berries separately. On an average busy day, 18,000 bbl arrive over the 12-hr period. Thus, we can say that 1,500 bbl arrive every hour. Since 75% of the berries are wet berries, 1,125 bbl of wet berries and 375 bbl of dry berries arrive every hour. These berries are dumped into 5 Kiwanee Dumpers that take 600 bbls per hour each. And then, dry berries and wet berries are divided. Dry berries go into bins 1 to 16 and wet berries go into bins 17-27. Since bins 1 to 24 have capacity of 250 bbls/hr and bins 25 to 27 have 400 bbls/hr, bins 1 to 16 have capacity of 4,000 bbls/hr total, while bins 17-27 have capacity of 3,200 bbls/hr total. Dry berries are sent to 3 destoners, each  of which has a capacity of 1,500 bbls/hr. There is only one dechaffer for dry berries, and therefore has a capacity of 1,500 bbls/hr. However, the other two dechaffers are assigned to wet berries. Since each dechaffer has a capacity of 1,500 bbls/hr, two dechaffers have a capacity of 3,000 bbls/hr for wet berries. Then, these wet berries go into the dryer, which as a capacity of 600 bbls/hr total. After these processes, the berries arrive at separators, which has a maximum capacity of 1,200 bbls/hr. We assumed that all the processes start at 7 a.m. and identified that the dryers for the wet berries are the bottleneck because dryers have the lowest capacity. (Please note that the filled process flow map is given below) 2.On a busy day, what is RP1’s current maximum throughput rate? As we show in the process flow map below: Demand rate = 1,500 bbl / hr (375 for dry berries and 1,125 for wet berries) Capacity rate = 975 bbl / hr (375 for dry berries and 600 for wet berries, because the bottleneck, which is dryer of capacity 600 bbl / hr, determines the capacity of a linear process) That is, Demand rate > Capacity rate, and in this scenario throughput rate = Capacity rate = 975 bbl / hr 3.Assuming that all of the operations at RP1 start at 7 am on a â€Å"busy† day, present the situation during such a day, by constructing an inventory build-up diagram for bins and trucks. For trucks: For bins: 4.What are the possible capital investments considered by NCC? Quantify the costs and benefits of three of them: the fifth Kiwanee dumper purchased in 1980, and two other investments. What recommendations would you make to Mr. Schaeffer? Please be ready to discuss in class other factors that might influence your recommendations to NCC. Two other possible capital investments considered by NCC would be the installing a light meter system for color grading and hiring a full-time skilled operator at the same pay grade as the chief berry receiver, and adding more dryers that cost $60,000 each. First of all, purchasing a light meter and hiring an operator would reduce large amount of unnecessary cost incurred from cranberries that are misidentified by the chief berry receiver. The case reports that half of  450,000 bbls of berries were misidentified as No.3. Since $1.50 was paid for every No.3 berries, we can say that $337,500 was overpaid. Assuming that the cost of this system is about $40,000 and the cost of full-time skilled operator is about $34,944 (as a straight-time pay rate for the full-year employee) per year, we can calculate the return on investment in the light meter system. The return would be 4.503 ($337,500/$74,944). Even though, the operator gets paid more than the amount above, the return on the investment would still be positive. Secondly, purchasing one additional dryer would cost $60,000. Then, the process capacity would increase to 800 bbls/hr. The dry berries (375bbls/hr) and the wet berries (800bbls/hr) would now sum up to 1175 bbls/hr, which will increase the utilization rate of separators to 97.91%. The resulting increase in flow rate could reduce the overtime labor as much as $78,000 (assuming 12,000 over time hours of all workers * $6.5/hr) and the return on the investment would be 0.3 (18,000/60,000). Thirdly, purchasing the fifth Kiwanee Dumper had increased the capacity by 600 bbls/hr. However, the fact that throughput rate is 975 bbls/hr, and the hourly incoming berries are about 1500 bbls/hr, we do not think that the fifth dumper was necessary because with four dumpers we would have a capacity of 2400 bbls/hr, which is enough as of current state. In other words, since the bottlen eck of the process is the dryer rather than the dumper, we would have saved $200,000 if we did not buy the fifth dumper. Last thing to note is that none of the utilization rate got higher after purchasing the fifth dumper. Since the first two investments listed above have positive returns, we definitely think Mr. Schaeffer should invest in purchasing a light meter and an additional dryer. Even though purchasing additional dryer does not return greater than purchasing a light meter, purchasing additional dryer still returns positive value and therefore, should choose to invest on these three options to manage the extra capital that NCC would spend. However, Mr.Schaeffer could have been better off with not purchasing the fifth dumper because dumper’s capacity was already large enough that the efficiency remained the same with purchasing the fifth dumper. (For the values such as total over time hours and etc, we assumed based on the data given in the case at the last section called Scheduling the Work Force)

The Recession-Proof Beauty of Healthcare Jobs

The Recession-Proof Beauty of Healthcare Jobs In a recent Time magazine article that highlighted â€Å"The 5 Best Jobs You’ve Never Heard Of,† a remarkable four out of five were linked to the healthcare industry. In fact, healthcare jobs remain plentiful - even in the face of economic uncertainty. Let’s take a closer look at this phenomenon, along with which positions can expect to see particularly noteworthy growth in the years ahead. The State of HealthcareAccording to the most recent â€Å"Employment Situation Summary† from the U.S. Bureau of Labor Statistics, healthcare continued its juggernaut of job growth, adding 22,000 jobs in March 2015 alone. This brought the 12-month total to an additional 363,000, with ambulatory healthcare services and hospitals making particularly strong showings.A number of factors have contributed to this growth, including rising demand, retiring workers, and the ever-growing advancement of science and medicine requiring skilled technologists.No discussion of the chan ging face of healthcare is complete without acknowledging the massive impact of the aging Baby Boomer generation. Approximately 10,000 Baby Boomers turn 65 every day, and will continue to do so for the next 14 years. By 2030, meanwhile, nearly 20 percent of the U.S. population will be of retirement age.Not only does this represent a massive outflux of workers from healthcare positions, but it also constitutes a significant burden: the typical American over the age of 65 suffers from a number of chronic conditions, including hypertension, diabetes, heart disease and cancer. Research further indicates that just five years from now, 5.6 million new healthcare jobs will exist in everything from pharmaceutical and medicine manufacturing to nursing, community, and home healthcare facilities and services.Add in the increased number of insured Americans due to healthcare reform, and the need for more healthcare professionals becomes even more critical.Where the Jobs AreAccording to the Bure au of Labor Statistics â€Å"Job Outlook† breakdown, the average anticipated growth rate for all occupations between 2012 and 2022 is 11 percent. U.S. News and World Report highlighted the top health care positions by Job Outlook,  including the following:Personal Care Aide: 48.8 percentHome Health Aide: 48.5 percentDiagnostic Medical Sonographer: 46 percentOccupational Therapy Assistant: 42.6 percentPhysical Therapist Assistant: 41 percentEsthetician: 39.8 percentPhysician Assistant: 38.4 percentMedical Secretary: 36 percentPhysical Therapist: 36 percentNurse Practitioner: 33.7 percentIn addition to these positions, emotional health professionals, including substance abuse and behavioral disorder counselors and marriage and family therapists, are also expected to see significant gains in job openings due to declines in stigmas which previously prevented people from seeking help.Other healthcare jobs which will continue to be in demand include dentists, dental hygienists, p hysicians, pharmacists, medical equipment repairers, dieticians and nutritionists, radiologic technologists, epidemiologists, and opticians.If a challenging career which allows you to help people while also experiencing unprecedented job security sounds like a good fit to you, there are plenty of healthcare positions to choose from.

Pyrrhic Victory - Origin of the Term

Pyrrhic Victory - Origin of the Term A Pyrrhic victory is a type of win that actually inflicts so much destruction on the victorious side that it is basically tantamount to defeat. A side that wins a Pyrrhic victory is considered ultimately victorious, but the tolls suffered, and the future impact those tolls, work to negate the feeling of actual achievement. This is sometimes referred to as a ‘hollow victory’. Examples: For instance, in the world of sports, if team A defeats team B in a regular season game, but team A loses its best player to a season-ending injury during the game, that would be considered a Pyrrhic victory. Team A won the current contest, however losing their best player for the remainder of the season would take away from any actual feeling of accomplishment or achievement that the team would typically feel after a victory. Another example could be drawn from the battlefield. If side A defeats side B in a particular battle, but loses a high number of its forces in the battle, that would be considered a Pyrrhic victory. Yes, side A won the particular battle, but the casualties suffered will have severe negative effects from Side A going forward, detracting from the overall feeling of victory. This situation is commonly referred to as â€Å"winning the battle but losing the war.† Origin The phrase Pyrrhic victory originates from King Pyrrhus of Epirus, who in 281 B.C., suffered the original Pyrrhic victory. King Pyrrhus landed on the southern Italian shore with twenty elephants and 25,000-30,000 soldiers ready to defend their fellow Greek speakers (in Tarentum of Magna Graecia) against advancing Roman domination. Pyrrhus won the first two battles that he participated in upon arrival on the southern Italian shore (at Heraclea in 280 BC and at Asculum in 279 BC). However, throughout the course of those two battles, he lost a very high number of his soldiers. With his numbers cut drastically, King Pyrrhus’s army became too thin to last, and they eventually ended up losing the war. In both of his victories over the Romans, the Roman side suffered more casualties than Pyrrhus’ side did. But, the Romans also had a much larger army to work with, and thus their casualties meant less to them than Pyrrhus’s did to his side. The term Pyrrhic victory comes from these devastating battles. Greek historian Plutarch described King Pyrrhus’s victory over the Romans in his Life of Pyrrhus: â€Å"The armies separated; and, it is said, Pyrrhus replied to one that gave him joy of his victory that one other such victory would utterly undo him. For he had lost a great part of the forces he brought with him, and almost all his particular friends and principal commanders; there were no others there to make recruits, and he found the confederates in Italy backward. On the other hand, as from a fountain continually flowing out of the city, the Roman camp was quickly and plentifully filled up with fresh men, not at all abating in courage for the loss they sustained, but even from their very anger gaining new force and resolution to go on with the war.†

Whether underdevelopment is a consequence of colonial legacy Essay

Whether underdevelopment is a consequence of colonial legacy - Essay Example Whether underdevelopment is a consequence of colonial legacy? Superior technologies had enabled the colonial powers to seize control and many of the social processes of the western colonial powers were implanted into the colonies via missionary schools, army barracks, hospitals and local government structures which reported back to the colonial metropolis. It has been pointed out that in the later colonial phase, these colonial territories, despite efforts to make them into effective satellite states with government from a distance, suffered three main disadvantages: the administration had divided loyalties between the metropolis and the colony, it was alien and could not understand the needs of the colonised people, and because of its alien nature it lacked legitimacy and the ability fully to engage the local people in concerted and planned efforts. The governments of colonies tended to be conservative, and lacked the will to make progress. This affected both the higher echelons which had ties to the colonist country, and the subordinated loca l people. It is this enforced stagnation and apathy that is perhaps one of the most potent elements of the colonial legacy, and it provoked reactions ranging from violent struggle to exploitative imitation in middle years of the twentieth century as newly independent states set about connecting with their pre-colonial past and building a new post-colonial future. This paper examines the link between under-development and colonialism, looking at two countries in particular: Mauritania, which is a former French colony located in North West Africa, and India which is a former British colony located in Asia, and at some overarching effects which apply to both examples. Definitions of Underdevelopment Before turning to the examination of the two sample countries, it is important to be clear what is meant by the terms â€Å"development† and â€Å"underdevelopment†. For most people these words are related to economic and political factors like wealth, and a stable, well-gover ned society but some analysts, such as Sen (1994) include intangible qualities such as freedom of choice and the fostering of all kinds of human capabilities through education, travel and the flourishing of local and international cultures. A good definition of development is that it â€Å"seeks to enable people to lead full, productive, satisfying and worthwhile lives by raising their incomes and improving other components of their standard of living such as life expectancy, health, literacy, control over their own destiny, personal libertay and freedom , and as essential steps for fulfilling human rights† (Arimah, 2004, p. 400). The term underdevelopment, in the light of these wider definition, therefore means much more than widespread poverty and economic weakness, and embraces also social and cultural deficits which impact negatively on the quality of life of the population. Mauritania Fifteen of the 20 poorest countries in the world are on the African continent, (Arimah, 2004) and since this is also the continent which has most thoroughly suffered the ravages of colonial exploitation, there is a deep suspicion that the underdevelopment that we see today and the past colonial history may be causally connected. There is some debate in the literature about whether the so-called â€Å"scramble for Africa† was motivated by strategic/military considerations, or by economic

Crisis Management Essay Example | Topics and Well Written Essays - 750 words

Crisis Management - Essay Example While security cover is definitely essential for public figures, it cannot be implemented at the cost of inconvenience to other public. The essential concept of security cover needs to be based on preventive strategy which also caters sufficiently for abnormal and emergency security conditions. Security cordon needs to ensure prevention of carriage of arms in close vicinity of the dignitary, visible and invisible security protection in two or three security tiers, traveling to be undertaken in protected convoys, deceptive actions like frequent alternative routes, frequent rotation of dignitary in convoy vehicles, medical evacuation facilities and other such measures as described below: Security Cordon. Visible elements like uniformed and civilian clothed security guards should form a cordon in two or three tiers with bullet-proof jackets around the dignitary during all his movements in public areas. Metal detectors and physical check-up of people likely to come into close proximity with the dignitary should also be undertaken to prevent anyone carrying arms with an intention of harm. Travel. The dignitary is to travel in a convoy of three vehicles with his seating to be decided at last moment. An ambulance with necessary medical and emergency equipment is to join as the fourth vehicle. 02 armed guards are to be present in all the three vehicles. As far as possible, he is to be carried in a bullet-proof car. Three routes are to be pre-decided out of which one is to be chosen at the last moment. Public Appearances. Efforts have to focus on proactive prevention techniques by developing ways to identify and neutralize people who pose a threat to the dignitary. Essentially, this would involve cordoning off the immediate area to the extent possible with facilities for observation from elevated towers, preventing carriage of arms to the meetings, identifying and preventing individuals with past known criminal record from entering the area, take assistance from all law-enforcing agencies in achieving such precautions to the extent possible and ensure his safety in public places with or without use of force. Meeting the Press. Most dignitaries love to meet press and show their security-be-damned attitudes for sake of cheap popularity. Security personnel have to accomplish their duty in spite of these conditions. The press members should be thoroughly sensitized regarding security threats to the dignitary. Further, the press members have to be clearly identifiable and preferably segregated from the public to interact with our dignitary. The dignitary should also be advised of the measures undertaken by us and requested to cooperate by not breaking the security cordon. If possible, an organized press conference should be arranged at an appropriate closed in-house location than publicly. Medical. A competent medical attendant duly cleared by security agencies for his clean and reliable background record with all necessary emergency equipment is to follow the convoy in the ambulance. A specialist doctor should remain on emergency call during the entire duration. Protection Plan for Residence. Security arrangements at residence would involve the following: a. A well laid-out security cordon to block any miscreant from entering the residence. b. Regular patrolling of all vulnerable points along the residence. c. Scanning and keeping a watchful eye on all incoming visitors including employees at

Studying a case Study Example | Topics and Well Written Essays - 500 words

Studying a - Case Study Example The paper discusses Trune’s accusation with a view of illustrating the dissenting opinion that there was no false imprisonment. The accusations of Trune that the farmer intended to confine him within fixed boundaries do not sufficiently prove the crime of false imprisonment because the farmer did not lock him in the firm house. Because the farmer did not lock the farm house, it can thus be argued that there was no false imprisonment because Trune’s freedom was not limited at all. This case can be compared with the Herbst v. Wuennenberg case in which the plaintiffs were asked by the accused to leave before the occurrence of the events which led to the legal suit. This illustrates that in the Herbst v. Wuennenberg case, the freedoms of the plaintiffs was not violated. The case led to a ruling of the appeal court that favored Wuennenberg because sufficient evidence suggested that there was no false imprisonment of the plaintiff (Supreme Court of Wisconsin 1). The actions of the farmer were motivated by the need to protect his farm from intruders and trespassers and there was no intention of leading to the confinement of the plaintiff otherwise he would have locked him in the firm yard. In the Herbst v. Wuennenberg case, the plaintiffs admitted that they were not intimidated neither threatened by the accused (Supreme Court of Wisconsin 2). On a counter argument, Trune admits that he stayed in the firm house because he feared the possible outcome of the farmer’s actions, which does not adequately substantiate the claims that his life was in immediate danger. The actions of the farmer were inn ordinary sense harmless and the plaintiff has no real evidence to prove that the farmer put him in unbearable danger. Trune’s arguments however differ with the Herbst v. Wuennenberg case on the trespass issue is compared between the two cases. Like in the case of Herbst and the other plaintiffs, Trune does not defend his reason for being on the farmer’s field.

Professionalism Study Essay Example for Free

Professionalism Study Essay People may look down at an individual for being more professional because that individual is not doing what everyone else is doing. An individual doing what is right in the work place is being a professional. If an individual follows the five keys to be a professional, character, attitude, excellence, competency and conduct, he or she will surpass his or her competitors. Character is who a person is, he or she know that what he or she is doing is the right thing. An individual who doesn’t take mediocrity, doesn’t look for the easy way out and doesn’t expect that his or her job will be easy is just the beginning. When an office is looking to higher an individual they look for integrity, and responsibility. These are some question an individual can ask themselves when looking to see if he or she has integrity. â€Å"Do you do what you say you’re going to do? Can you be trusted with confidential information? Are your expense reports truthful and reasonable? Employers want someone who can honestly answer questions like these with a resounding, â€Å"Yes.†Ã¢â‚¬  (http://www.corporatecomplianceinsights.com/top-10-character-traits-to-look-for-when-hiring-a-senior-professional/). Attitude and conduct would go great together because they have similar meanings, attitude; how an individual look and handles problems, and conduct; how an individual holds himself or herself together in the work place. A professional always has a friendly and welcoming aura about them, making others feel comfortable to come ask for help. Conduct is wrapped into an individual’s attitude because he or she â€Å"acknowledge people right away† (Professionalism is for Everyone, The Goals Institute, page 63). He or she shows everyone the respect that they deserve. A professional doesn’t believe that he or she is better than the individual that they are helping, or with his or her coworker. Attitudes to have in a work place are â€Å"enthusiastic, and efficiency† (http://www.careerealism.com/attitudes-workplace-get-ahead/) Excellency and competency also go together on the grounds that they both are how an individual works. Excellency is how well an individual excels at his or her job/career. Competency is the degree of expertise that an individual puts into his or her career. A professional always â€Å"press for excellence in all aspects of his or her life† (Professionalism is for Everyone, The Goals Institute, page 37). One knows what is expected of them in the work place. He or she does what is asked, when it is asked and does it in a timely manner. A professional strives to be better for themselves, for his or her family and for his or her friends. Never be someone who thinks â€Å"I’m just doing this for the money.† If one thinks that way he or she will never get to his or her dream job. Remember, character, attitude, excellence, competency and conduct will be an individual’s best friend. Works Cited Professionalism is for Everyone, The GOALS Institute, 2013 http://www.corporatecomplianceinsights.com/top-10-character-traits-to-look-for-when-hiring-a-senior-professional/ http://www.careerealism.com/attitudes-workplace-get-ahead/