495 disc Assignment Example | Topics and Well Written Essays - 250 words

495 plate - Assignment Example The capacity to pick your flat mate and approach TV and DVD player is tempting. Assistants like having a great time and getting to such offices along with the opportunity is incredible. Accessibility of the housekeeper give assistants more opportunity to concentrate on the efficiency of the organization. In accordance with the week’s readings, Qualcomm consolidated Maslow order of necessities hypothesis as a worker inspirational and maintenance apparatus. It attempts to address the issue s of the understudies so as to make the propelled and have enthusiasm for working for the organization in future (Montana and Charnov, 2008). Through the installment, the organization achieves the physiological and security need of its understudies. Offering the understudies the chance to pick their flat mates in the completely outfitted houses assist them with meeting their social needs. The techniques embraced by Qualcomm make the assistants agreeable. Odds of mentioning maintenance to work for the organization are

Review of Research Paper on Creating Home-Made Stem Cells

Our paper talks about a significant advance in the exploration encompassing undifferentiated organisms. Pluripotent undifferentiated organisms are found in the early blastocyst, and can separate into various cell types, for example, neurons, heart muscle, or platelets. As is clarified somewhere else on this paper, undifferentiated organisms are incredibly helpful and hold astonishing clinical potential, particularly to â€Å"grow† explicit cells, tissues, and even organs for patients. Contention mires the advancement of immature microorganism research from undeveloped organisms, in any case, and specialized issues exist alongside the moral ones. Marius Wernig and his group of researchers have had achievement considering an approach to get around this, be that as it may. Imagine a scenario in which, rather than taking undifferentiated organisms from recently made incipient organisms, an individual’s own cells could be utilized. The cells in the grown-up body are no longer foundational microorganisms; they aren’t pluripotent, and must be a specific kind. In any case, with exceptional methods, it’s really conceivable to actuate these grown-up cells to become undifferentiated organisms, with a pluripotency that permits them to form into whatever cell type is required! In this test, initiated pluripotent immature microorganisms were made utilizing the fibroblast cells from mice. Fibroblasts were expelled from underneath the skin of the subject mice. So as to return the cell to an actuated pluripotent state, four uniquely chose translation factors (Oct 4, Sox 2, c-Myc and Klf4) were utilized. These four interpretation factors were each joined into the DNA of an infection that came up short on the ability to taint, and the fibroblasts were presented to these infections. Much the same as should be expected infections, these infused their DNA into the fibroblast cells, and the DNA was consolidated into the cell. Presently the fibroblasts contained the new translation ... ... become a reproducing ground for banter just as a mainstream stage for presidential up-and-comers. These subjects have additionally become exceptionally fanatic issues, Democrats being known to completely bolster foundational microorganism exploration and Republicans being known to differ with the practices engaged with it. In 2004, foundational microorganism research was an especially hotly debated issue, and it is generally felt that President Bush’s second term was won that year because of his position on early stage immature microorganism research. He thought is was exploitative to make any progressively early stage undifferentiated cell lines, however that the utilization of the current ones for research was adequate. Works Cited Wernig, Marius, Alexander Meissner, Ruth Foreman, Tobias Brambrink, Manching Ku, Konrad Hochedlinger, Bradley E. Bernstein and Rudolf Jaenisch. In vitro reconstructing of fibroblasts into pluripotent ES-cell-like state. Nature 448(2007): 318-325.

How to Write a High School Essay

The most effective method to Write a High School Essay In the High School, understudies esquire hypothetical data for the subject and gain proficiency with a specific ability to prevail in class. You won't have a great deal of composing assignments during your concentrating in High School. Educators more incline toward giving tests and tests to check your insight. Secondary school article for the most part covers a limited quantity of material and check your capacity to recreate picked up during the class. You should respond to solid inquiries that have little assortment of answers. The types of composing task may shift. It tends to be an article, research paper, inquire about paper, theory, report, discourse or survey. Composing report is a back task for the High School understudies since it concerns with realities as well as with convoluted investigation of discoveries. In the High School paper, you should rehash what you were instructed during the class, to show that you tuned in the class, made notes and afterward took in the material. You will once in a while find attentive inquiries, which require communicating a closely-held conviction or finding extra data on the point. For the secondary school understudies, such inquiries are introduced in the unadulterated structure that includes just own understanding and obtained information. Another sort of composing assignments that you can get during your contemplating is taking care of the sorts of issues you were at that point instructed how to comprehend. Such model is basic in the science disciplines. Such task can exceptionally simple assess the student’s information. Every issue has just one answer. While open inquiries can have more extensive answers and varieties, in logical issues you should utilize solid recipes. There is just a single way how you take care of the issue, and the appropr iate response is only one as well. Concentrating in the High School is substantially more agreeable than in College. Instructors are consistently prepared to support you and are your companions during the training. They are keen on passing marks of their understudies. Along these lines, they offer additional credit assignments to assist you with raising your evaluation, remind you about fragmented work and relegate cosmetics tests and expositions to assist you with handling the class and get a sensible degree. Their essential errand is to show you basics yet not to set obstructions and make you separate them. They need you to know the material, which is substantially more agreeable than to make it. In the event that you are approached to make something in your group, it is more enjoyable than trouble. An exemption can be writing classes where you can be approached to make a paper exclusively and imaginatively. To finish effective secondary school article you should: Listen mindfully in the class Make notes Peruse all the relegated material Learn data Answer relegated inquiries as complete as could reasonably be expected Answer all inquiries Rehash your answers Change if essential Profit your paper for time We have just helped numerous High School understudies, and we are here to help you also. Don’t falter. Let us become your remote associate. Be set up for your classes and get passing marks! It is soâ simple with us! Dont you realize how to compose a superb secondary school article? Let our expert authors help compose a secondary school article for you.

Spanish Cell Phone and Social Media Abbreviations

Spanish Cell Phone and Social Media Abbreviations Would you like to send cellphone instant messages to your Spanish-talking companions? Or on the other hand speak with them on Facebook or other web based life (known as medios sociales in Spanish)? Youll think that its simple with this messaging and online networking shortening glossary. Sending messages in Spanish can represent a test in composing highlighted letters and Spanish accentuation, as the strategy isnt consistently natural and changes with the product. In any case, that hasnt forestalled cellphone talk - in fact referred to in both English and Spanish as SMS (for Short Message Service) - from getting helpful for Spanish speakers around the world. The term is normal in Spanish, where SMS is articulated as would be esemese. Telephone Texting Abbreviations Cellphone truncations are a long way from normalized, however here are some of them you may run over or need to take a stab at utilizing yourself. 100pre - siempre - alwaysa10 - adiã ³s - goodbyea2 - adiã ³s - goodbyeac - hace - (type of hacer)aki - aquã ­ - hereamr - love - loveaora - ahora - nowasdc - al salir de clase - after classasias - gracias - thanksb - bien - well, goodbb - bebã © - babybbr - bbr - to drinkbs, bss - besos - kissesbye - adiã ³s - goodbyeb7s - besitos - kissesc - sã ©, se - I know; (reflexive pronoun)cam - cmara - cameracdo - cuando -  whenchao, chau - adiã ³s - goodbyed - de - from, ofd2 - dedos - fingersdcr - decir - to saydew, dw - adiã ³s - goodbyedfcl - difã ­cil - difficultdim - dime - tell mednd - dã ³nde - whereems - hemos - We haveers - eres tã º - you are, are youers2 - eres tã º - are youexo - hecho - acteys - ellos - they inde - blade de semana - weekendfsta - celebration - partygrrr - enfadado - angryhl - hasta luego - see you laterhla - hola - helloiwal - igual - equalk - que, quã © - that, whatkbza - cabeza - headkls - clase - classkm - como - as, likekntm - cuã ©ntame - tell meKO - estoy muerto - Im in huge trouble.kyat - cllate - Shut up.m1ml - mndame un mensaje luego - Send me a message later.mim - misiã ³n imposible - strategic - msnsaje - messagemxo - mucho - a lotnph - no puedo hablar - I cannot talk now.npn - no pasa nothing - nothings happeningpa - para, padre - for, fatherpco - poco - a littlepdt - piã ©rdete - get lostpf - por favor - pleasepls - por favor - pleasepq - porque, porquã © - in light of the fact that, whyq - queâ -that, whatq acs? -  ¿Quà © haces? - What are you doing?qand, qando - cuando, cundo - whenqdms - quedamos - were stayingq plomo! -  ¡Quà © plomo! - What a drag!q qrs? -  ¿Quà © quieres? - What do you want?q risa! -  ¡Quà © risa! - What a laugh!q oce an - quã © ocean - whateverq tal? - quã © tal - Whats occurring? salu2 - saludos - hi, goodbyesbs? -  ¿sabes? - Do you know?sms - mensaje - messagespro - espero - I hopet - te - you (as article pronoun)tas OK? -  ¿Ests bien? - Are you OK?tb - tambiã ©n - alsotq - te quiero - I love youtqi - tengo que irme - I need to leaveuni - universidad - college, collegevns? -  ¿Vienes? - Are you coming?vos - vosotros - you (plural)wpa -  ¡Guapa! - Sweet!xdon - perdã ³n - sorryxfa - por favor - pleasexo - pero - butxq - porque, porquã © - in light of the fact that, whyymam, ymm - llmame - call mezzz - dormir - dozing - ms - more:) - feliz, alegre - upbeat:( - triste - sado- - ms o menos - pretty much - menos - less:p - sacar lengua - tongue standing out;) - guiã ±o - wink Huge numbers of the messages utilizing a q for que or quã © can likewise be communicated with a k, for example, tki for tengo que irme. A couple of well known shortenings for disgusting words arent remembered for this rundown. Web based life Abbreviations and Vocabulary A considerable lot of the shortened forms above are additionally regularly utilized in internet based life, for example, Facebook and Twitter. Here are some others that are regularly utilized: AHRE, ahre - (birthplace questionable) - A word, particularly regular in Argentina, used to demonstrate that what has quite recently been said ought to be seen amusingly or as a joke, something like the manner in which the winking image can be utilized ALV - a la verga - A typical affront, cam be viewed as obscene etiqueta - The word for name, favored by some for hashtag mensaje directo, mensaje privado - Private message Jargon Related to Text Messaging Despite the fact that its disapproved of by perfectionists and isnt in many word references, the action word textear is regularly utilized as what might be compared to content. It is conjugated as an ordinary action word. The thing structure is a related, texto. Another action word got from English is chatear, to visit. An instant message is a mensaje de texto. To send, for example, message is enviar un mensaje de texto. Words for cellphone incorporate telã ©fono celular or celular, increasingly basic in Latin America; and telã ©fono mã ³vil or mã ³vil, progressively normal in Spain. A cell phone is a telã ©fono inteligente, despite the fact that utilization of the English word, once in a while spelled esmartfã ³n, is visit. An informing application is an aplicaciã ³n de mensajes or application de mensajes.

Statement of purpose Essay Example | Topics and Well Written Essays - 500 words - 11

Mission statement - Essay Example This will include onto my ability as an individual from the general public in light of the fact that the family is the essential unit of the general public. Clinically, my quest for this program is intended to propel my insight into wellbeing appraisal. Earlier investigations and temporary positions have underscored to me the need to have the most elevated level of ability in looking at a patient’s clinical issue so as to single out the most reasonable intercession that tends to that issue. Moreover, I try to propel my insight into examine techniques in nursing since I figure that as an enrolled nurture, I have an obligation to create information, share it with different medical caretakers and add to the general development and improvement of the calling of nursing (Codina 266). I try to seek after this program with an enthusiasm of expanding the abilities of distinguishing and using best practices in my work as a submitted enrolled nurture. The other intrigue I have in seeking after in this program is to get information on overseeing intense and interminable sicknesses. I built up this enthusiasm in the wake of seeing how problematic the impacts of such sicknesses are to the family. A sizeable segment of rare family assets goes to the consideration of incessantly sick relatives. Other than this financial effect, parental figures of the constantly who need solid guards can create wretchedness. My undertaking is to utilize the information I will get from this course to devise reasonable and available mediations that can help address the financial, social and mental cost that intense and ceaseless diseases have on the two patients and their families (Codina 262). It would satisfy me to see families living cheerfully without being put somewhere around the disorder of one of the individuals. My worth and high regard for the nuclear family is something that legitimize my readiness for the Family Nurse Practitioner program. The clinical hours I have taken care of in the past instructive levels and in my temporary positions have

How to Use Behavior Modeling to Teach Your Teen

How to Use Behavior Modeling to Teach Your Teen Theories Behavioral Psychology Print How to Use Behavior Modeling to Teach Your Teen New Skills By Amy Morin, LCSW facebook twitter instagram Amy Morin, LCSW, is a psychotherapist, author of the bestselling book 13 Things Mentally Strong People Dont Do, and a highly sought-after speaker. Learn about our editorial policy Amy Morin, LCSW Updated on April 27, 2019 Kevin Dodge/Blend Images/Getty Images More in Theories Behavioral Psychology Cognitive Psychology Developmental Psychology Personality Psychology Social Psychology Biological Psychology Psychosocial Psychology Have you ever noticed how kids like to copy their parents? Whether its a 4-year-old who enjoys pretending to shave his face next to Dad in the bathroom mirror, or its a 6-year-old pretending to vacuum the living room as her parents do, kids learn how to behave by watching their parents. And while you might think that your teen has outgrown the desire to copy you, thats not the case. Your teen is still watching how you behave. And those observations shape the choices that he makes.   Social Learning Theory as the Foundation for Behavior Modeling Social learning theory provides the foundation for behavior modeling. It asserts that most behaviors are learned by observation and modeling.   That means your teen may pick up on your unhealthy habits. So if you yell at your teen, theres a good chance your teen will learn to yell at you. Or, if you make a lot of impulse  purchases, your teen may also have trouble saving money. But the good news is, the reverse is also true. If you exercise every day or make it a habit to read a book each evening, your teen may be more likely to follow suit. You can shape your childs behavior by modeling healthy habits. How to Use Behavior Modeling to Teach Specific Skills You can use behavior modeling to teach your teen specific skills. Whether you want your teen to learn how to iron a dress shirt or you want him to learn how to sort the recycling, these steps can help him remember what to do: Have your teen watch you perform the task first.Allow your teen time to process and remember the behavior you performed.Give your teen a chance to practice performing the behavior on his own.  Use positive reinforcement, such as praise, to encourage your teen to keep up the good work.   An Example of Teen Behavior Modeling A father wants to teach his teenager how to change the oil in the car. So he has his teen watch as he changes the oil.   He tells his teen to write down the steps so he can review the steps on his own. That helps the teen process and remember the information. Then, the next time the oil needs to be changed, the teen does it on his own. His father provides constant supervision.   The father offers praise and positive feedback. He also provides correction when necessary to ensure his teen is doing it correctly. That process will help the teen learn how to do it on his own. Hell be better equipped to change the oil without his fathers supervision in the future.   How to Take a Less Structured Yet Effective Approach Of course, there are plenty of things your teen will learn from you without a structured approach. Your teen will naturally pick up on a lot of your behavior and attitude just by spending time with you. So its important to practice being a good role model. Know your values and make sure youre instilling those values in your teen.  And when you want to teach your teen a specific skill or two, proactively use behavior modeling to reinforce it to your teen.

Philoctetes Wound as the Wounds of Slavery - Literature Essay Samples

Oxford Dictionary of Literary Terms defines a simile as, â€Å"An explicit comparison between two different things, actions, or feelings, using the words ‘as’ or ‘like’†¦Ã¢â‚¬  (Baldick 334). In his critically-acclaimed epic poem, Omeros, Derek Walcott uses similes to connect Philoctete’s shin wound to the sea as a life giver and a life taker, thereby linking it to the displacement of slaves, symbolizing Philoctete’s wound as the wounds of slavery. His lesion is healed when Ma Kilman picks a flower from their homeland for his medicine, signifying the return of their ancestors to their homeland. Throughout Omeros, Walcott compares the wound on Philoctete’s shin to sea-creatures, which connects it to the ocean. In this poem, the ocean is a life giver and a life taker. It provides food and profit for St. Lucia in that the fisherman catch food to eat and sell, and it designates the Caribbean as a vacation location for tourists visiting via cruise ships. The people of St. Lucia are also able to trade via liners. It steals the life of Hector when he drives his van over the cliff on page 226, and it steals the lives of slaves who were brought to America via slave ships. Walcott writes, â€Å"Negro shacks / moved like a running wound, like the rusty anchor / that scabbed Philoctete’s shin,† the rusty anchor from the sea which took his freedom, and metaphorically, his life (Walcott 178). He is forced to work for Plunkett instead of for the sea, as he longed to do, just as slaves were taken by the sea to work for American slavers. Along with the metaphorical endi ng of lives by means of stolen freedom, â€Å"records suggest that until the 1750s one in five Africans on board ship died† (International Slavery Museum). The sea quite literally takes lives, as it did with Hector, as it did with slaves. When Philoctete’s wound is first introduced, Walcott writes, â€Å"It has puckered like the corolla / of a sea-urchin† (Walcott 4). Connecting Philoctete’s wound to the displacement of slavery, the sea-urchin is a delicacy in the Caribbean; therefore they are commonly poached, just as people were poached from their homelands and devoured into American slavery (Jamaica Observer). Covered with a hard shell and spines that are painfully sharp, they sting when threatened (Gardner), so using a sea-urchin first to describe Philoctete’s wound, Walcott is symbolizing the resistance of slaves by fighting their captors. Per the Understanding Slavery Initiative, slaves from the Caribbean rebelled and ran away or fought colonial forces, even taking control of armies and islands. However, eventually they were defeated and captured and sold into slavery, displacing them from their homeland. The next couple of times Walcott mentions Philoctete’s wound he writes, â€Å"The sore on his shin / still unhealed, like a radiant anemone† and â€Å"The itch in the sore / tingles like the tendrils of the anemone† (Walcott 9-19). This is a significant plunge from the sea-urchin comparison because anemones are â€Å"are soft-bodied, simple animals that remain primarily sedentary, resembling flowers in appearance† (Gardner). A noticeable shift in comparison, he is now symbolizing that after capture, slaves moved from fighting to submitting to slavers and colonialism. As more and more people were forced into slavery, slave owners resorted to increasingly cruel and inhumane methods to keep them from rebelling, which included whippings and murder. Understandably, slaves grew progressively more afraid to oppose their masters for fear of torture and death, so they grew more and more like an anemone—sedentary and simple. They also grew more and more like Philoctete’s shin—wounded. When Philoctete is tending to his lesion with Vaseline, Walcott writes, â€Å"At night, when yards are asleep, and the broken line / of the surf hisses like Philo, ‘Bon Dieu, aie, waie, my sin / is this sore?’ the old plantains suffer and shine† (Walcott 235). This is symbolic of his wound representing the wounds of slavery and the regret of the people who allowed their brothers and sisters to be captured, sold into slavery, and displaced. It was also a shame of these people to adopt and allow the ways of the men who colonized their islands. They abandoned their people to slavery and their traditions and freedoms to the methods and manners of the colonists. Walcott refers to this regret and shame as a sin, and therefore something that is, or should be, punishable by suffering, like Philoctete’s wound. Ma Kilman finds the flower that heals Philoctete’s wound by following ants, which Walcott reveals are her ancestors by writing, â€Å"ants had lent her / their language, the flower that withered on the floor† (Walcott 245). When she prepares the basin for Philoctete â€Å"he entered / his bath like a boy. The lime leaves leeched to his wet / knuckled spine like islands that cling to the basin / of the rusted Caribbean† (Walcott 247). She has finally found the medicine which will heal his wound, and Philoctete â€Å"could feel the putrescent shin / drain in the seethe like sucked marrow† (Walcott 247). By returning to her roots and ancestors, Ma Kilman healed the wounds of slavery, as depicted on Philoctete’s shin, as they no longer deny their ancestry, and â€Å"the corolla / closed its thorns like the sea-egg. What else did it cure† (Walcott 247)? Instead of trying to heal himself with modern medicine, Philoctete and Ma Kilman embrace and ac cept the ancestors’ traditions they have denied, and thus betrayed. It is a beautiful representation of their ancestors returning to their homeland. In conclusion, Derek Walcott uses similes in Omeros to powerfully compare Philoctete’s wound to sea-creatures, thus connecting to the life giving and taking sea and representing the displacement of people from their homeland and forcing them into slavery. His wound is an embodiment of the wounds of slavery and is thus only healed when Ma Kilman and Philoctete embrace and accept the medicinal roots of their ancestry, therefore returning the denied and betrayed peoples back to their homelands. Works Cited Walcott, Derek. Omeros. New York: Farrar, Straus and Giroux, 1990. Baldick, Chris. Oxford Dictionary of Literary Terms. 4th ed., Oxford: Oxford University Press, 2015. Concerns raised in St Lucia about illegal harvesting of sea urchins. n.d. Jamaica Observer. Accessed 14 February 2017. Life on board slave ships. 2017. International Slavery Museum. National Museums Liverpool. Accessed 14 February 2014. Gardner, Keri. Sea Anemones vs. Sea Urchins. n.d. Mom.me. Accessed 14 February 2017. Resistance and Rebellion. 2011. Understanding Slavery Initiative. Accessed 14 February 2017.

Racial Segregation And The United States - 2133 Words

In the United States, inequalities are an unfortunate evil that resonate throughout low-income individuals and minorities. Though these problems are sometimes viewed as coincidences, in the past and even in the present, there have been legislation put in place that have negatively affected specific populations in the US. Because of the injustices in the system socially constructed ideologies about race, ethnicity, and poverty, and our lacking health care system, many people experience inequalities in health. One of the biggest factors that has affected minority and low-income populations is residential segregation. An article by Boustan defines residential segregation as â€Å"the separation of racial groups in urban space.† Residential†¦show more content†¦Many factors influence why and how residential segregation occurs in our neighborhoods. This literature review will focus on topics surrounding the history of residential segregation, the effects on health through local, state, and national residential segregation as well as its influence on our nation’s school system. Before diving into the present effects of residential segregation, it’s vital that the history behind it is understood as well. An article by McGrew points out, that in the year 1990, â€Å"11% of the population in 100 of the largest cities in the United States lived in neighborhoods of extreme poverty, compared to 5% in 1970† (McGrew, 1997). After World War I, the demand for workers in large cities caused a large migration of southern blacks into the line of industrial work. The large influx created racial tension and city officials began promoting racial divisions by supporting segregation and discrimination in housing, employment, and social services. The introduction of zoning laws in the US also separated communities even further. After the end of the war, the government believed that home ownership could bring on new ideas of economic and political freedom. The concept of suburban neighborhoods were born to segregate from the harshness of industrial cities, but st ill provide relative closeness to services and employment opportunities. Unfortunately, these wonderful neighborhoods created to provide a new lifestyle to American citizens

Storming the Beaches Early Land Vertebrates

LIBOR Scandal and Subprime Mortgage Meltdown Who Benefits from the Manipulation of LIBOR Free Essay Example, 1000 words

As a leader, how should you respond when you know that your competitors are cheating? How should you respond when you think regulators are asking you to cheat? Barclays could not have achieved manipulating the LIBOR without the carelessness of the regulatory authorities. The swap traders of Barclays had also facilitated altering the LIBOR rates. Investigation into the case clearly revealed that the company had undergone a planned manipulation. The administrative authorities should have monitored the activities of traders and ensured that they do not manipulate the settings so as to gain greater profits. The concerns raised by NY Fed had already made the banks quite aware of the facts related to the manner in which LIBOR could have been manipulated. Barclay s senior executives and Bob should not have ignored the matter and should have imposed measures to regulate the banks activities (Prado and Rawlinson 111). Barclay s traders were tempted to report wrong LIBOR rates as the firms competitors were also seen to engage in reporting artificially low rates of borrowing. However as responsible leaders, manipulation is not the way to deal with investments made in different types of assets and enhance the overall level of the firm acquiring different types of competition. The company could have procured different types of capital market derivative instruments to mitigate the risks arising out of the loss of revenues due to competitor policies (Koblenz, Labbate and Turner 4). We will write a custom essay sample on LIBOR Scandal and Subprime Mortgage Meltdown: Who Benefits from the Manipulation of LIBOR or any topic specifically for you Only $17.96 $11.86/pageorder now When NY Fed raised concerns regarding the manipulation of LIBOR rates, most of the banks were seen to keep silent indicating their deep vested interests in engaging in LIBOR alterations. If Barclays and other banks had supported the concerns presented in respect of LIBOR violation, the scandal could have been prevented. The heavy fine and the resigning of Bob might serve as important lessons for other firms to decline themselves from participating in such activities (Dooley 565).

Essay about The Importance of Academic Integrity - 1278 Words

Introduction On a research paper, how much information can you â€Å"borrow† with or without citing the original author? How do you cite the resources you â€Å"borrowed† or quoted from the original author? Will anyone know if you submit a friend’s research paper? No one can see you taking an online test from your living room – should that change how you take a test? Who is hurt by academic dishonesty? Who cares if you steal test answers, falsify experimental data, cheat on an exam, or download information from a web site and turn it in as your own work? To take an easy example, would you want to be operated on by a doctor who cheated his way through medical school? Or would you feel comfortable on a bridge designed by an engineer who†¦show more content†¦The principle of academic integrity stretches beyond the limits of a classroom. Good students are honest with themselves, their professors, their roommates, and their community. Academic integrity is the pursuit of scholarly activity in an open, honest and responsible manner. All students should act with personal integrity, respect other students dignity, rights and property, and help create and maintain an environment in which all can succeed through the fruits of their efforts. -- www.psu.edu/ufs/policies/47-00.html#49-20 As part of student learning experience student will have a number of assignments to complete. Assignments are designed to help student learning and understanding of their subject by requiring student to demonstrate, through the completion of an assessment task, how well you have engaged with and understood the material you have studied. Assessment tasks will vary from subject to subject and can range from problem-solving to reporting on experimental data to the development and presentation of coherent and cogent arguments. It is expected that in producing an assignment, student may need to read and gather information from a range of sources including books, journals, official reports, newspapers or material from the Internet as well as ideas generated in discussion with colleagues and other students. When presenting the assignment on a topic it is really important to do: †¢ Must take fullShow MoreRelatedImportance Of Academic Integrity Essay728 Words   |  3 Pagesthe online Oxford English Dictionary, integrity is the â€Å"soundness of moral principle; the character of uncorrupted virtue, esp. in relation to truth and fair dealing; uprightness, honesty, sincerity.† How does the dictionary definition of integrity apply to personal thoughts on academic integrity and the importance and impact of such? It provides a firm starting point for the effective communication of ideas (or ideals, in this instance). Academic integrity may mean different things to differentRead MoreReflective Paper959 Words   |  4 PagesImportance of Academic Honesty your name Class number Date Instructor Name Importance of Academic Honesty This paper will explain the importance of academic honesty in students’ life. â€Å"Academic honesty means the performance of all academic work without cheating, lying, dishonesty of any kind, getting any unauthorized assistance and favors from anyone† (Valdosta State University). Academic honesty helps to motivate students to become better human beings. It is very important aspect ofRead MoreAcademic Integrity 141289 Words   |  6 Pagesmeaning and importance of ‘Academic Integrity’ in assignment completed by undergraduate students. Introduction On a research paper, how much information can you â€Å"borrow† with or without citing the original author?   How do you cite the resources you â€Å"borrowed† or quoted from the original author?   Will anyone know if you submit a friend’s research paper?   No one can see you taking an online test from your living room – should that change how you take a test?   Who is hurt by academic dishonestyRead MoreWhy Academic Integrity Is Important For The Classroom Of Today s Society1343 Words   |  6 PagesAcademic Integrity is a value that many students, from high school to college, do not take serious; however, it should be taken more serious by these future scholars. Academics are a very important part of today society. Next we have Integrity, an aspect that I believe our society should value more. With the changing times and technology becoming more sophisticated, students are finding it easier and easier to cheat on homework and other important assignments and in most cases they get away withRead MoreAcademic Success : A Student1251 Words   |  6 Pages5 Academic Success Academic Success Tamara Thornton GEN/201 10/29/2015 Cheryl Jiles Academic Success As a student strive to move forward academic success and excellence, I will outline and discuss four major topics which are essential for any student to realize in order to achieve success in the field. Each topic will be briefly described with further two support points in favor of each underneath. The point is to explain what can propel a student toward realizing educationalRead MoreContinuing Academic Success1112 Words   |  5 PagesContinuing Academic Success Continuing Academic Success is extremely important to those who plan to make advancements in their chosen career fields. It provides the opportunity to keep current with ideas, techniques, and advancements that are being made in their area of employment. We will address the importance of setting achievable goals, the importance of learning styles in academic success and the validity of ethics and academic integrity in helping to achieve continuing academic and professionalRead MoreAcademic Honesty - Essay 31242 Words   |  5 PagesIn reading and researching the topic of academic honesty and integrity I have found that there are varying views on what is considered cheating, and that cheating occurs in all academic levels and fields of study. Interestingly business students do not believe that cheating is as serious as students in other fields. I also found that there are many parties that are responsible for teaching students why academic honesty and integrity are so important. The key to teaching this important value is toRead MorePersonal Reflection : The Definition Of Academic Integrity773 Words   |  4 PagesIntegrity is defined in the Webster dictionary as â€Å"the quality of being honest and having strong moral principles† or as â€Å"moral uprightness†. To me, integrity is basically just having a strong sense of morals. A person with integrity is someone who strives to do the best they can and is â€Å"whole† in character. With this being said, I feel that integrity is not just one certain trait, it is a combination of many traits in one. For example, honesty, trustworthiness, virtues, good intentions, etc. areRead MoreIs Integrity Ethical And Ethical Standards?986 Words   |  4 PagesIntegrity is the personal choice to be honest and hold oneself to moral and ethical standards. People of high integrity exhibit social conscious and compel themslelves to be truthful in their personal and professional responsibilities (Killinger, 2014). Integrity is a valued characteristic in nearly every society. People who act with integrity are well liked, and enjoy positive outcomes through having strong relationships with others. (Peterson, 2004) These relationships are successful becauseRead MoreEssay on Turnitin: Hypocrisy of Its Own1277 Words   |  6 PagesOver the centuries, teachers and professors all have had a problem with academic dishonesty. The advancement in technology has made plagiarizing so much easier, and because of this, many professors have resorted to using software programs which detects any sort of plagiarism. One popular program many professors are enforcing their students to use is Turnitin.com. When a paper is submitted into Turnitin, the program compares it to previous submitted essays saved in its database and the content available

1993 Apush Essay Free Essays

APUSH Essay Even though the Chesapeake Bay Colonies and New England Colonies would share ethnic roots they would differ greatly in their development. With New England’s society centered on religion and Chesapeake Bay’s around profit both came to the new world with their own intentions. Other aspects in which these societies differed was in economy and social structure. We will write a custom essay sample on 1993 Apush Essay or any similar topic only for you Order Now However regardless of differences and similarities both colonies would find their own way to thrive. When it comes to religion, the colony of New England was influenced to a much greater degree than Chesapeake Bay. Their whole reason for being there was because of religion. The main religious group in New England was the Puritans. The strict aspects of the Puritan way of life made the colony a very stable place to live. In comparison to the Chesapeake Bay Colonies where religion did not play a very big part there was not much political stability. The sect of Christianity practiced by the Chesapeake colonists was the Anglican Church. The Anglican Church was not nearly as strict or influencing on life as the Puritans’ practice. Without a strict set of rules in place from religion the only time the Chesapeake Bay colonies would enjoy stability in its early days would be under the military like rule from James Cook. The reason why religion usually would bring stability would be from the moral code embedded inside the teachings of the bible. From this people were able to humble themselves resulting in a stable society. Stability would eventually come to the Chesapeake Bay once it would become a royal colony. In addition to this tobacco would also become a major staple product for the Chesapeake Bay. Overall religion would be a bigger player in the development of New England as a colony. Economy was very different in both respective colonies. Economy in New England would be very simple. Mainly family units would each have their own farm in which they would become self sufficient on. On top of this there would also be small local and international trade among New Englanders. Early on in the Chesapeake Bay colony was not very expansive. With a little bit of local trading with Indians the Chesapeake Bay colony would not have a big export until James Rolfe would bring tobacco to the colony. Tobacco would have a great impact on colony life. With the Crop being a very profitable export the plant would soon dominate the economy there. Soon however as exports increased the price would decrease the market would deflate. The tobacco market would breathe life into the Chesapeake Bay and also increase the amount of slaves needed to support the demand. Economy in both colonies although different would both manage to flourish in their own way. Social structure was also very distinct in both colonies. For instance Jamestown of Chesapeake Bay‘s population consisted mainly males upon its founding. Throughout its life men were discouraged to arrive in family units because of its harsh conditions. Also a hostile attitude towards Indian populations also stopped population in the colony to be self replenishing. Also altering its early development was the attitude of work from early settlers. Original settlers were of higher class and had distaste towards manual labor. Settlers would eventually grow past its original misgivings on manual labor and find economic stability from tobacco. In order to feed the labor needed to keep up with the tobacco industry indentured servants and then eventually African Slaves would find its place as a social class. Politically, the House of Burgesses was a form of self representative government in the colony of Virginia. Social Structure in New England was a bit more commonplace. Arriving in family units was much less discouraged and many small towns would pop up. With very local government life in New England was very structured. Family decisions were made by the father due to the patriarchal social structure. The big differences in social structure were very evident in American Colonial society. Overall despite their roots the Chesapeake Bay colony and New England were completely distinct societies complete with their own economies, religions and economy. Living life in both colonies offered a different culture unique to its area. In the end both would attribute to the diversity in life found on the east coast of colonial America How to cite 1993 Apush Essay, Essay examples

Prostitution Essay Example For Students

Prostitution Essay Historical approaches to regulation Historically, although Prostitution Essay has been viewed as a threat to the moral order and a danger to public health, the state has tended to legislate for the regulation of prostitution, rather than introducing measures focussed on its elimination. Even early Christian societies did not seek to eliminate prostitution, with the Church fathers justifying this stance by asserting that Sewers are necessary to guarantee the wholesomeness of palaces. (quoted by de Beauvoir, 1974, 618). St Augustine was adamant that prostitution should be recognised as a necessary social evil, arguing, Suppress prostitution and capricious lusts will overthrow society. (cited in Roberts, 1992, 61). His stance was predicated on a belief in mens sexual appetites necessitating access to sexual outlets outside of marriage. In order to prevent them committing adultery and threatening their marriages, society should facilitate mens access to prostitutes. It follows from St Augustines argument that two separate classes of women were required good, virtuous, sexually faithful wives to service mens procreative needs within marriage, and prostitutes who would cater to their desires and pleasures outside of marriage. Such thinking views prostitution as a necessary social evil, and reinforces the madonna/whore dichotomy. Given the fact that mens demand for prostitution services has not abated through the ages, the historic response has been to continue to seek its regulation and control rather than its eradication. For instance, in medieval England and Europe the preferred way of regulating prostitution was to restrict prostitutes to working in certain districts and/or requiring that they dress in particular, identifiable, styles. Thus in Paris, prostitutes were confined to working in brothels in particular areas of the town and were required to wear armbands, dye their hair, ;or in other ways distinguish themselves from respectable society matrons; (Bullough and Bullough, 1987, 125). Women who violated such codes of behaviour could find themselves expelled from that district, literally being run out of town. Confining the sex industry to specifically designated areas was also seen as economically advantageous in that it enabled municipal councils to share in the profits (Roberts, 1992, 90). By the 17th century the practice of visiting prostitutes was so widespread that guidebooks to brothels were being produced and men could claim visits to prostitutes on their tax returns (Philip, 1991, 22). Prostitution continued to flourish so that by the 1860s Henry Mayhew estimated there to be over 80,000 women working as prostitutes in London how many men were their clients we have no idea. It is clearly evident that the dominant state response to prostitution has been to seek its regulation and control rather than its elimination. A study of the international sex industry today, however, reveals that the ways of achieving such regulation differ markedly, both between and within nations. Thus in the United States areas of minimal regulation exist alongside states with highly interventionist policies. Significant differences also exist in how European governments have sought to control prostitution. The measures adopted range from the legalised red-light districts of Hamburg to the tolerance of window prostitution in Amsterdam and the arresting of male clients in Sweden. Closer to home, across the Tasman in Australia there are distinct differences in the ways state governments view and attempt to regulate the sex industry. These will be examined later in this section. Contemporary approaches to regulation There are four principal approaches that states have adopted internationally with regard to the regulation of prostitution. Each of these is briefly presented below. Criminalisation This approach makes prostitution an illegal offence for both the client and sex worker, and in so doing seeks to reduce or eliminate the sex industry. This option appeals to many who are opposed to prostitution on moral, religious or feminist political grounds, but has seldom been seriously implemented because such laws tend simply to drive prostitution underground, producing undesirable health and safety consequences. Criminalisation of the clients Some countries have sought to remove the double standard by introducing legislation that penalises the clients rather than the sex workers. The proponents of this measure often hope that by targeting the demand side of the sex industry, they may reduce or eliminate it altogether. Need Potential Of Ireland Essay As a result, crimes associated with illegal prostitution often go unreported and without punishment. Although enforcement of illegal prostitution exhausts a great amount of time, some citizens feel that the time is .

Causes and Impact of Falling Oil Prices

Question: Write an essay onsupply and demand of oil. Answer: Introduction: Since the 1990s the oil industry with its varying trends in demand and supply is at its biggest downturn. The dramatic fall in oil prices lately has left economic forecasters worried about the future growth of economies. The fall in oil prices had been affecting the different sections of the economy including consumers, producers, exporters and the governments. The fall in oil prices went through different phases. In June 2014 a barrel of Brent crude would cost $110, which dropped to $60 in 2015 and in recent time it just cost $33, which implies a tremendous decline. The demand and supply side factors: The factors that contributed to this tremendous decline of oil prices were from both demand and supply sides, though the supply side factors is considered to have had a bigger impact on this fall. Now if we consider the demand side, then we see that the European economies and the developing countries are weak with the vehicles becoming more energy efficient, hence resulting in slight fall in demand for fuel but demand is also seen to be growing in the United States. The entire fall in prices cannot be because of this the marginal fall in demand and there are supply side reasons which contribute substantially towards this fall in prices of oil. The higher supply of oil resulted from the formations of non- OPEC developments like the US shale oil and the more than expected output from Saudi Arabia, Iraq and Libya whereas on the other side there was less than the expected demand from Europe and Asia. Prices fell more quickly (by 20%) when OPEC in November decided to not to curtail the ma rket supply of oil and in effect the markets changed their opinions regarding the oil supply by OPEC in the future. The method of hydraulic fracturing and other technologies had made it possible to access inaccessible energy reserves and hence increasing significantly supplies in the North America. According to the prevailing data, in recent times USA and Canadas oil production has increased by more than five million more barrels of oil each day which has its significant effects on the price of oil. The North American production has growth about 38% more than the total oil demand growth. As per the revisions of International Energy Agency forecasts it suggest that the unexpected fall in demand accounts for only 20-35% of the fall in price, hence the rest of the impact is due to the tremendous rise in supply. Saudi Arabia can curb the supply but the benefits will be experienced by countries like Iran and Russia which they do not want to happen. Hence, the not so substantial fall in d emand of oil and the rising supply of oil has contributed to the falling prices of oil. Impact on the huge oil importing and exporting countries: The falling oil price has effects on both exporters importers of oil. India and China is considered to be the biggest importers of oil and hence falling oil prices has positive effects on the theses energy intensive economies. China and India has already taken advantage of the falling oil prices to reduce their domestic oil subsidies and also increasing their oil related taxes to support public finances. Falling oil prices acts benefits India by helping improve macroeconomic budget and fiscal managements through improvement on factors like inflation, current account deficit and fiscal deficit. 30% of Indias imports constitute of oil, hence fall in oil prices help sustain domestic prices of oil products. China and India being largest importers falling oil prices increases the real income and hence consumption, along with decrease in the cost of production of goods and in turn on investment and profit. There are also positive effects on the rate of inflation. On the other side there ar e also likely downturns related to businesses and companies and how they operate after huge fall in oil prices leading to shutting down of many oil projects. Oil exporters depend more on oil being more concentrated across countries. For countries such as Saudi Arabia and Iran who are large exporters of oil net export revenues fall which slows down GDP growth. Iran was on a pace to grow in years when the fall in oil prices hit which reduced revenues for the country. It needs the oil price to rise to at least $100 barrel to balance the countrys budget. Saudi Arabia has large reserve funds of about 750 billion USD for financing its deficits; hence the current price levels might not be disastrous for the country in the short run. However in the longer run, it needs the oil prices at least to be $80 per barrel. Low oil prices will generate socio economic disturbances in the Gulf States whose ripple effect will be felt in Saudi Arabia. Saudi Arabia can easily cut back on supply to increas e prices, but their present strategy is to sacrifice the price and maintain their market share simultaneously force the US shale oil producers and Canada oil producers out of the market. Impact on usa and indonesia: Lower oil prices for the US economy is considered to be beneficial for the consumers as there expenditure on oil consumption falls but the losses are felt by energy companies who cut back on investment who lay off workers slowing down economic activity. Moreover the increase in production of oil by the country has changed how oil prices affect the country incurring losses to energy producers as reliance on imports for oil has significantly decreased for the country. The negative effects on the energy sector happen immediately whereas the positive effects on the consumers occur with time. Similarly decrease in oil prices affect Indonesia through fall in export revenues. But it will also encourage Indonesias current account deficit. The government also recalculated the amount of subsidized fuel prices, hence reducing fuel subsidies and increasing spending on other sectors, whereas the consumers also enjoy lower fuel prices. There are a number of sectors or businesses who benefit from the falling oil prices. These include the retail sector which depend upon consumer spending since demand for products increases as consumers save from fall in oil prices provided they spend those savings on retail goods, automobile companies also make profits as oil prices fall the demand for automobiles increases helping auto-makers sell cars more easily increasing revenues and profits, the transportation industry also experiences a boost as falling oil prices makes transportations cost fall which also helps shipping companies to curb transportation costs. There are also the travelling agencies or travel related industries and airlines who make more profits as with money in their pockets people take more trips outside. On the other hand we also have the industries or companies which turn out to be the losers due to fall in oil prices. There are oil service companies which make fewer sales and have to cut back on production due to falling oil prices. As these companies reduce output they also lay off workers or stop hiring workers hence increasing unemployment. Unemployment in turn then reduces the wages of already employed workers as there are many workers who can be replaced for them at lower wages. There are also the manufacturers and the industrial companies who face losses along with the oil companies as they are responsible for the supply of materials used to build and expand several oil drilling operations. Due to fall in oil prices, oil producers do not undertake new projects and cut back on production, which affect manufacturing industries that of steel, machinery, heavy equipments and other machine parts. On the other hand there are also financial companies who feel the pinch. During the times of high oil prices, more capital investment flurried for extracting expensive and difficult to produce oil. Lower prices hinge this which makes financial institutions or regional banks experience the e ffect. Conclusion: Hence we saw the various causes as well as the effects of the continuous falling oil prices. We can say that this fall can be easily curbed if countries producing oil hinge supply of oil leading to rise in prices. But countries exporting oil have tendencies of increasing supplies further during fall in prices. Adding to that countries like Saudi Arabia who contribute to the majority export share of oil in the world, is not reducing oil supply to maintain its market share and make new oil producers like that of shale oil producers of the USA to leave the market. Thus, in between these strategic affairs, there are the consumers who experience the falling oil prices and benefit at a time lag and there are the producers, investors, manufacturing industries who are at greater loss facing falling prices, reducing output and losing profit. Workers in turn also suffer as output is reduced and companies stop hiring or fire workers increasing unemployment and curbing economic growth. Hence one obvious fact we observe is that there are too many players in the market which results to excessive supply pushing down prices. To drive up prices, some players should either leave the market or the supply should reduce enough for prices to rise again. References: Mankiw, G 2007, Economics: principles and applications, Cengage learning, New Delhi. Ramady, M Mahdi, W 2015, OPEC in a shale oil world:where to next?, Springer international publishing, Switzerland. Plumer, B 2016, Why crude oil prices keep falling and falling, viewed on 19 May 2016. The economist, 2014, Why the oil price is falling, viewed on 19 May 2016. Husain, A, Arezki,R Breuer, P, Haksar, V, Helbling, T, Medas, P, Sommer, M, IMF team, 2015 Krauss, C 2016,Oil prices explained: signs of a modest revival, viewed on 19 May 2016. Silverstein, K 2015, How falling oil prices will impact economy, viewed 19 May 2016. Arezki, R Blanchard, O 2014, Seven questions about the recent oil price slump, viewed 19 May 2016. com, 2016, Falling oil prices may lead to regime change in Saudi Russia, viewed 19 May 2016. Yudha, S 2015, Low oil prices: impacts for Indonesia, viewed 19 May 2016. McCain, B 2015, The facts behind oils price collapse, viewed 19 May 2016.

Major General David B. Birney in the Civil War

Major General David B. Birney in the Civil War David Birney - Early Life Career: Born in Huntsville, AL on May 29, 1825, David Bell Birney was the son of James and Agatha Birney.   A Kentucky native, James Birney was a noted politician in Alabama and Kentucky and later a vocal abolitionist.   Moving back to Kentucky in 1833, David Birney received his early schooling there and in Cincinnati.   Due to his fathers politics, the family later moved to Michigan and Philadelphia.   To further his education, Birney elected to attend the Phillips Academy in Andover, MA.   Graduating in 1839, he initially pursued a future in business before electing to study law.   Returning to Philadelphia, Birney commenced practicing law there in 1856.   Finding success, he became friends with many of the citys leading citizens.   David Birney - The Civil War Begins: Possessing his fathers politics, Birney foresaw the coming of the Civil War and in 1860 began an intensive study of military subjects.   Though he lacked any formal training, he was able to parley this newly-acquired knowledge into a lieutenant colonels commission in the Pennsylvania militia. Following the Confederate attack on Fort Sumter in April 1861, Birney commenced working to raise a regiment of volunteers.   Successful, he became lieutenant colonel of the 23rd Pennsylvania Volunteer Infantry later that month.   In August, after some service in the Shenandoah, the regiment was re-organized with Birney as colonel.    David Birney - Army of the Potomac: Assigned to Major General George B. McClellans Army of the Potomac, Birney and his regiment prepared for the 1862 campaign season.   Possessing extensive political connections, Birney received a promotion to brigadier general on February 17, 1862.   Leaving his regiment, he assumed command of a brigade in Brigadier General Philip Kearnys division in Major General Samuel Heintzelmans III Corps.   In this role, Birney traveled south that spring to take part in the Peninsula Campaign.   Performing solidly during the Union advance on Richmond, he was criticized by Heintzelman for failing to engage during the Battle of Seven Pines.   Given a hearing, he was defended by Kearny and it was determined that the failure was a misunderstanding of orders. Retaining his command, Birney saw extensive action during the Seven Days Battles in late June and early July.   During this time, he, and the rest of Kearnys division, was heavily engaged at Glendale and Malvern Hill.   With the failure of the campaign, III Corps received orders to return to Northern Virginia to support Major General John Popes Army of Virginia.   In this role, it took part in the Second Battle of Manassas in late August.   Tasked with assaulting Major General Thomas Stonewall Jacksons lines on August 29, Kearnys division took heavy losses.   Three days after the Union defeat, Birney returned to action at the Battle of Chantilly.   In the fighting, Kearny was killed and Birney ascended to lead the division.   Ordered to the Washington, DC defenses, the division did not take part in the Maryland Campaign or Battle of Antietam. David Birney - Division Commander:      Rejoining the Army of the Potomac later that fall, Birney and his men were engaged at the Battle of Fredericksburg on December 13.   Serving in Brigadier General George Stonemans III Corps, he clashed with Major General George G. Meade  during the battle when the latter accused him of failing to support an attack.   Subsequent punishment was avoided when Stoneman praised Birneys performance in his official reports.   During the winter, command of III Corps passed to Major General Daniel Sickles.   Birney served under Sickles at the Battle of Chancellorsville in early May 1863 and performed well.   Heavily engaged during the fighting, his division suffered the highest casualties of any in the army.   For his efforts, Birney received a promotion to major general on May 20. Two months later, the bulk of his division arrived at the Battle of Gettysburg on the evening of July 1 with the remainder arriving the following morning.   Initially positioned at the south end of Cemetery Ridge with its left flank at the foot of Little Round Top, Birneys division moved forward that afternoon when Sickles advanced off the ridge.   Tasked with covering a line extending from Devils Den through the Wheatfield to the Peach Orchard, his troops were spread too thin.   Late in the afternoon, Confederate troops from Lieutenant General James Longstreets First Corps attacked and overwhelmed Birneys lines.   Falling back, Birney worked to re-form his shattered division while Meade, now leading the army, funneled reinforcements to the area.   With his division crippled, he played no further role in the battle. David Birney - Later Campaigns: As Sickles had been severely wounded in the fighting, Birney assumed command of III Corps until July 7 when Major General William H. French arrived.   That fall, Birney led his men during the Bristoe and Mine Run Campaigns.   In the spring of 1864, Lieutenant General Ulysses S. Grant and Meade worked to reorganize the Army of the Potomac.   As III Corps had been badly damaged the previous year, it was disbanded.   This saw Birneys division transferred to Major General Winfield S. Hancocks II Corps.   In early May, Grant commenced his Overland Campaign and Birney quickly saw action at the Battle of the Wilderness.   A few weeks later, he was wounded at the Battle of Spotsylvania Court House but remained in his post and commanded his division at Cold Harbor  at the end of the month.       Moving south as the army advanced, Birney played a role in the Siege of Petersburg.   Taking part in II Corps operations during the siege, he led it during the Battle of Jerusalem Plank Road in June as Hancock was suffering the effects of a wound sustained the previous year.   When Hancock returned on June 27, Birney resumed command of his division.   Seeing promise in Birney, Grant assigned him to command X Corps in Major General Benjamin Butlers Army of the James on July 23.   Operating north of the James River, Birney led the successful assault on New Market Heights in late September.   Falling ill with malaria a short time later, he was ordered home to Philadelphia.   Birney died there on October 18, 1864, and his remains were interred in the citys Woodlands Cemetery. Selected Sources David Birney - III CorpsLest We Forget: David BirneyFind A Grave: David Birney

Biography of Lucrezia Borgia, Italian Noblewoman

Biography of Lucrezia Borgia, Italian Noblewoman Lucrezia Borgia (April 18, 1480–June 24, 1519) was the  illegitimate daughter of Pope Alexander VI (Rodrigo Borgia) by one of his mistresses. She had three political marriages, arranged for her familys advantage, and likely had several adulterous alliances. Borgia was also for a time a papal secretary, and her later years were spent in relative stability as the Good Duchess of Ferrara, sometimes acting as de facto ruler in her husbands absence. Fast Facts: Lucrezia Borgia Known For: Borgia was the daughter of Pope Alexander VI and an important Italian noblewoman.Born: April 18, 1480 in Rome, ItalyParents: Cardinal Rodrigo de Borgia (Pope Alexander VI) and Vannozza dei CattaneiDied: June 24, 1519 in Ferrara, ItalySpouse(s): Giovanni Sforza (m.  1493–1497), Alfonso of Aragon (m.  1498–1500), Alfonso dEste  (m.  1502–1519)Children: Seven Early Life Lucrezia Borgia was born in Rome in 1480. Her father Rodrigo was a cardinal in the Catholic Church when she was born. Lucrezias mother was his mistress of some years, Vannozza Cattanei, who was also the mother of two older children by Rodrigo, Giovanni and Cesare. After Rodrigo became Pope as Alexander VI, he advanced the career within the church of many Borja and Borgia relatives. Not much is known about Borgias childhood, but by about 1489, she was living with her fathers third cousin Adriana de Mila and her fathers new mistress Giulia Farnese, who was married to Adrianas stepson. Adriana, a widow, had care of Lucrezia, who was educated at the nearby Convent of St. Sixtus. When Cardinal Rodrigo was elected Pope in 1492, he began to use that office to his familys advantage. Cesare, one of Lucrezias brothers, was made an archbishop, and in 1493 he became a cardinal. Giovanni was made a duke and was to head up papal armies. First Marriage The Sforza family of Milan was one of the most powerful families in Italy and had supported the election of Pope Alexander VI. They also were allied with the French king against Naples. A member of the Sforza family, Giovanni Sforza, was lord of a small Adriatic fishing town called Pesano. It was with him that Alexander arranged a marriage for Lucrezia, to reward the Sforza family for their support and to bind their families together. Lucrezia was 13 years old when she married Giovanni Sforza on June 12, 1493. The marriage was not a happy one. Within four years, Lucrezia was complaining of his behavior. Giovanni also accused Lucrezia of misconduct. The Sforza family was no longer in favor with the pope; Ludovico had provoked an attack by the French that almost cost Alexander his papacy. Lucrezias father and her brother Cesare began to have other plans for Lucrezia: Alexander wanted to switch alliances from France to Naples. Early in 1497, Lucrezia and Giovanni separated. The Borgias began the process of annulling the marriage, charging Giovanni with impotence and nonconsummation of the marriage. Eventually, Giovanni agreed to the annulment in exchange for keeping the substantial dowry Lucrezia had brought to the marriage. Second Marriage Lucrezia, age 21, married Alfonso dAragon by proxy on June 28, 1498, and in person on July 21. A feast much like that at her first marriage celebrated this second wedding. The second marriage soured more quickly than the first. Only a year later, other alliances were tempting the Borgias. Alfonso left Rome, but Lucrezia talked him into returning. She was appointed governor of Spoleto. On November 1, 1499, she gave birth to Alfonsos son, naming him Rodrigo after her father. On July 15 of the next year, Alfonso survived an assassination attempt. He had been at the Vatican and was on his way home when hired killers stabbed him repeatedly. He managed to make it home, where Lucrezia cared for him and hired armed guards to protect him. About a month later on August 18, Cesare Borgia visited Alfonso, who was recuperating, promising to complete that which had not been finished earlier. Cesare returned later with another man, cleared the room, and, as the other man later recounted the story, had his associate strangle or smother Alfonso to death. Lucrezia was devastated by the death of her husband. After returning to Rome, Lucrezia began to work in the Vatican at her fathers side. She handled the popes mail and even answered it when he was not in town. Third Marriage A still-young daughter of the pope remained a prime candidate for an arranged marriage to solidify Borgia power. The eldest son, and presumed heir, of the Duke of Ferrara was a recent widower. The Borgias saw this as an opportunity for an alliance with a region that was physically between their current power base and another they wanted to add to the familys lands. Ercole dEste, the Duke of Ferrara, was understandably hesitant to marry his son, Alfonso dEste, to a woman whose first two marriages had ended in scandal and death, or to marry their more established family to the newly powerful Borgias. Ercole dEste was allied with the king of France, who wanted the alliance with the Pope. The Pope threatened Ercole with the loss of his lands and title if he did not consent. Ercole drove a hard bargain before consenting to the marriage in exchange for a very large dowry, a position in the church for his son, some additional lands, and reduced payments to the church. Ercole even considered marrying Lucrezia himself if his son Alfonso did not agree to the marriage- but Alfonso did. Lucrezia Borgia and Alfonso dEste were married by proxy at the Vatican on December 30, 1501. In January, she traveled with 1,000 in attendance to Ferrara, and on February 2, the two were married in person in another luxurious ceremony. Death of the Pope The summer of 1503 was oppressively hot and mosquitos were rampant. Lucrezias father died unexpectedly of malaria on August 18, 1503, ending the Borgia plans for solidifying power. Cesare was also infected but survived, but he was too ill at his fathers death to move quickly to secure treasure for his family. Cesare was supported by Pius III, the next pope, but that pope died after 26 days in office. Giuliano Della Rovere, who had been a rival of Alexander and long an enemy of the Borgias, tricked Cesare into supporting his election as pope, but as Julius II, he reneged on his promises to Cesare. The Vatican apartments of the Borgia family were sealed by Julius, who was revolted by the scandalous behavior of his predecessor. Children The main responsibility of a Renaissance rulers wife was to bear children, who would in turn either rule or be married into other families to cement alliances. Lucrezia was pregnant at least 11 times during her marriage to Alfonso. There were several miscarriages and at least one stillborn child, and two others died in infancy. Five other children survived infancy, and two- Ercole and Ippolito- lived to adulthood. Patronage and Business In Ferrara, Lucrezia associated with artists and writers, including the poet Ariosto, and helped bring many to the court, distant as it was from the Vatican. Poet Pietro Bembo was one of those she patronized and, judging from the letters surviving to him, its possible the two had an affair. Recent studies have shown that during her years in Ferrara, Lucrezia was also a shrewd businesswoman, building up her own fortune quite successfully. She used some of her wealth to build hospitals and convents, winning the respect of her subjects. She invested in marshy land, then drained it and recovered it for agricultural use. Later Years Lucrezia received word in 1512 that her son Rodrigo dAragon had died. She withdrew from most social life, though she continued her business enterprises. She eventually turned to religion, spending more time at convents, and even began wearing a hairshirt (an act of penance) under her fancy gowns. Visitors to Ferrara commented on her melancholy and noted that she seemed to be aging rapidly. She had four more pregnancies and perhaps two miscarriages between 1514 and 1519. In 1518, she wrote a letter to her son Alfonso in France. Death On June 14, 1519, Lucrezia gave birth to a stillborn daughter. Lucrezia contracted a fever and died 10 days later. She was mourned by her husband, family, and subjects. Legacy Because of her scandalous reputation, Lucrezia Borgia has become a popular character in fiction, opera and drama. Her life has been dramatized in works such as Victor Hugos Lucrà ¨ce Borgia, the 1935 Abel Gance film Lucrezia Borgia, and the BBC series The Borgias. Sources Bradford, Sarah.  Lucrezia Borgia: Life, Love and Death in Renaissance Italy. Penguin Books, 2005.Meyer, G. J.  The Borgias: The Hidden History. Bantam Books, 2014.

American Art Education in 1980s through today 2012 Research Paper

American Art Education in 1980s through today 2012 - Research Paper Example In the 1980s, art curriculum for K-12 focused on progressive education and self-expression. American technology education on art was founded, which is based on the cultural industrial education history.This focus addressed the need to develop art talent in children while nurturing their natural abilities. Art teachers taught painting, sculpture, drawing, ceramics, and other forms of art skills. The result of this approach was quite impressive. Many children were able to grasp the skills and produce aesthetic work. Another notable thing with revising of the art education curriculum in the 1980s is that it revitalized art education. Art education looked at history, traditional systems, and broader aspect of art to make art education interesting to pupils and the teachers. The 1980s curriculum stressed on art making while blending it with studies of art history, aesthetics, and criticism. The art education curriculum of the 1980s did stress on visual art education. Many art students sta rt by learning art through visual art. Apparently, the current visual art education curriculum is similar to the curriculum of the 1980s. In the 1990s, art education in the United States had some new development. For instance, in visual art education, researchers of art education argued that everyday realities and personal realities would bring diversity to art education. This argument led to the push for more realistic studies in art over the formal system. Notably, art education in the 1990s has emphasized the need for visual art in all aspect of art education.

Children and violence Research Paper Example | Topics and Well Written Essays - 2000 words

Children and violence - Research Paper Example Nowadays, there is much concern on the incidents of violence among adolescents and children. This troubling and complex issue needs a deep understanding by teachers, parents, as well as other adults. Children, as young as those in preschool portray violent characteristics, possibly due to the violent surroundings they are exposed to. This presents a lot of challenges to the parents, teachers and the wider society. Thus, this essay will look into such challenges facing children, their effects and the solution to the violence crisis in the society. The rising violence rates in most American cities show that most children are being raised in conditions known as â€Å"inner-city war zones† (Garbino et.al., 1992). However, the violence problem is not limited to a particular group or community. Every child today is affected by this violence which pervades the contemporary society. Thus, a healthy progress of children in today’s world has been jeopardized. The causes as well as effects of cases of violence in the society are complex just as they are interrelated; most violence arises from social prejudice common in the society. Key among the major contributors are unemployment, racism, poverty, substance abuse, guns proliferation, abusive parenting practices, and everyday exposure to violent scenes via the media, among others (Craig, 1992). Currently, every fifth child is exposed to poverty; for the children below six years, the number is twenty five percent. The fundamental services to families with a low income have been significantly reduced in the past decade as the federal funding in America has been cut. With the disappearance of social programs and the deterioration of the economy, violence in schools, homes, and communities have escalated. The handguns proliferations have also greatly contributed to the increasing violent assaults as well as homicides that children

Fundamentals of Marketing

Fundamentals of Marketing Kirsty Hayes, Bianca Jones, Chris Duffy, Tim Stone EXECUTIVE SUMMARY The purpose of this report is to gain further insight into AAMIs current position in the personal car insurance market and to identify suitable marketing strategies to meet the needs of current and future customers. Despite being the largest insurer in the motor vehicle market there are many new competitors undercutting insurance premiums, mostly through online sales and service. Current competition includes IAG, on policy, and Budget Direct, on a price point. Since the GFC consumers have shown to be more cautious but with higher expectations. Current measures of internet and social media use shows the incredible scope of data facebook is able to collect from target segments. Loyalty and time wasted choosing a company are the most important characteristics of insurance seekers. They are most likely to use trusted brands when not engaged in the process. Surveys also found Australia wide retention of insurance customers more than 50%, however 75% of customers are not likely to seek out a company but want to make the best purchase decision. A further 10% want convenience purchasing insurance. AAMI must maintain its focus on consistent, excellent customer service, and utilising facebook to identify and communicate with customers. The process of purchasing a policy and making claims must be refined further strengthening the AAMI brand. INTRODUCTIONLACE INFLUENCING This report aims to provide a summary of where AAMI is situated against its market competitors and help develop a marketing strategy to promote sustained long term business opportunities. The ABS (2016) estimated 17.7 million vehicles registered in Australia at the 31st October 2014 whilst Tiwari (2014) claims the Domestic Motor Insurance segment is worth 6 Billion dollars in premiums per year and is the largest is the Australian general insurance market. AAMI face a multitude of competition in the Australian Motor Insurance segment and this paper will identify two competitors, IAG group and Budget Direct. This report is broken into two major sections, the first will evaluate and analyse competition along with demographic and technological trends and understanding how these factors may affect business in both the short and long term. The second part identifies possible segmentation which is involved with purchasing motor insurance. Providing historic trend information from the market will help create a new marketing strategy. INSURANCE INDUSTRY OVERVIEW The insurance industry has had some significant hurdles in recent years, these have changed the way insurers need to market themselves and maintain profits. Buyers have become more cautious; expectations of products and services have increased since the global financial crisis (How Australian insurers can achieve profitable growth in a challenging market 2017). Pay-outs for natural disasters have increased in frequency and value due to climate change, effecting insurers bottom lines (Insurance industry and climate change 2017). With the large number of insurers in the market creating intense competition, each company needs to ensure they have the right mix of products and customers to maintain their overall profit. AAMI WITHIN THE INSURANCE INDUSTRY AAMI positions itself as the customer focused and fun insurance company, to differentiate from other insurers and say they are the not very insurancy insurer using comical advertisements which attract younger consumers (AAMI 2017). It seems to be working for them, AAMI sits at number 5 of the top ten list of best insurance companies within Australia (Top Tens 2016). Below is a chart which shows AAMIs position within the market. RECENT TRENDS THAT IMPACT THE INSURANCE INDUSTRY       Usage based insurance (UBI) While UBI is not a new concept in places like the US, it is only recently becoming common place within the Australian insurance industry (Dipak 2015). Things like pay-as-you-drive insurance, where customers only pay insurance for the kilometres they actually drive and pay-how-you-drive insurance, where customers get discounts for being safer drivers (Lukens 2014). This means customers can decrease their premiums to a rate previously impossible with other methods and feel like they have more control over what they pay. It also enables better identification of customer segments for future planning of products. The Internet of Things Still an upcoming trend within the insurance industry, as explained by Forbes (Morgan 2014) this is the concept of basically connecting any device with an on and off switch to the Internet (and/or to each other). Wearable technology for tracking heart rates, exercise, sleep patterns and more are being used in collaboration with health insurers. Sensors in cars are being used to calculate the risk of particular drivers by tracking speed, acceleration, and braking distance (Liew 2016). This information helps to speed up the claim process with more detailed information of accidents (Kumaresan 2016). For the insurance industry, this means more information available to calculate premiums and reduce risk for insuring specific customers. KEY COMPETITORS As Tiwari (2015) explains the Motor Insurance marketplace could be divided up into 4 segment areas. There are 2 major firms which own multiple companies and these are the Suncorp Group and the IAG Group with the rest of the industry made up from smaller competitors (image 1 gives a detailed example). Appendix A is an online comparison of comprehensive policies between NMRA, Budget Direct and AAMI. As Lamb (2016) highlights international firms need to take into account local domestic firms which are also fighting for a share of the market. Image 1 (image sourced from http://www.slideshare.net/ullyully/australian-car-insurance-market-analysis/6) IAG Group The IAG group is our biggest competitor and will continue to be into the future as they share a similar infrastructure to AAMI. IAG also have national leverage through their independent brands RACV, NMRA, SGIO and SGIC. IAG have a major focus on making the world a safer place (IAG Group, 2017). IAG products tend to balance between price, volume, and service. They have no major advantage over our brand. Budget Direct Budget Direct are a small player being very aggressive to gain major market share. They specialise in insuring low risk clients to keep premiums down (Budget Direct, 2017) thus sitting in the price sensitive area. They have some advantages for customers compared to AAMI on their standard comprehensive product such as offering a no claim bonus on windscreen damage. Appendix A provides a detailed summary. A KEY PLAYER OF IMPORTANCE Australias population is currently 23.3 million people with more than 15 million owning smartphones. According to Neilsen, we spend on average of over one hour per day using smart phones, of which 35% of the time is spent on social media. According to Forbes (2016), in the social media landscape, Facebook is the most popular site with more than 15 million users and in a survey by Sensis in 2016, for more than 12 hours per week so it makes sense that our advertising can reach more customers in an increasingly competitive market. By developing a partnership with Facebook, AAMI can target market segments differently using each groups interests based on data received from the company. Nadia Cameron from IDG (2016) identified raising of brand awareness and conversions as the major reasons for AAMI using Facebook marketing. Failure in this partnership would be fatalistic with over 1.7 billion users worldwide connected to Facebook. OTHER FACTORS INFLUENCING THE INDUSTRY Technological Trends Online Applications AAMI has launched the AAMI Access ® Application which they have marketed as Insurance in your Pocket (AAMI 2016). It allows you to monitor and update your policies, make an instant claim and upload claim photos from your device, and allows claim and live repair tracking. As at 30 June 2016, there were approximately 22 million mobile handset subscribers in Australia (ABS, 2016) making the creation of an online application a great innovation as it allows an easier service for the consumer and the insurance agency and leverages off the fact that consumers are becoming more advanced in online technology. This is not the only application available from insurance companies but it will continue to grow in trend. Self-Driving Cars volvocars.com/au (2016) says that there are already self-driving Volvos on the road in Sweden and in 2017, there will be over 100 on public roads, and this will continue to grow. This trend will be crucial to car insurance companies as it will alter the way insurance is provided, calculated and it could make it more difficult to prove which vehicle is in the wrong. Demographic Trends Cars in Victoria The Australian Bureau of Statistics (2011) states there were a total of 1,944,688 motor vehicles in Victoria. Car insurers need to keep abreast of current trends and ensure ease and simplicity when dealing with consumers and insurance. SECTION 2: SEGMENTATION FRAMEWORK CONSUMER CHARACTERISTICS In this section, we recommend a way that AAMI could segment their market so they can have more targeted marketing. There are many things a consumer will look at when deciding on a car insurance company. Global Reviews regularly conducts research into how a consumer purchases car insurance, and posted in May 2015, that 71% of consumers had a brand in mind before beginning their research, only 34% of these consumers still preferred that brand at the end of their research. However, AAMI was the clear leader in an unprompted recall at 73%. The research found that 74% are current customers when they choose a car insurance policy. Lamb (2013) says that goods and services that are purchased regularly are associated with routine response behaviour, showing that those who already have a policy with AAMI are more likely to continue to renew their policies with AAMI. A trusted brand is also a high priority when deciding on car insurance. The research shows that 53% trust the brand they chose (globalreviews.com 2015) and Lamb (2013) says that when consumers dont want to have to think too much about a purchase decision, they often revert to known and trusted brand names. Based on the secondary research, two different consumer characteristics have been identified that are important in the car insurance category. Characteristic Type of segmentation Description Why is this characteristic important to AAMI? Lifestyle How much time spent searching for car insurance Psychographic This relates to how much time consumers are willing to research different car insurance deals. This impacts how likely a new customer is to find Aami appealing and how likely an existing customer is to find a better deal elsewhere. Personality How loyal they are to a certain company Psychographic This relates to how often a customer is willing to change insurance companies. This impacts how likely a customer is to switch insurance companies if a better deal is found. Table 3. Consumer Characteristics of importance to car insurance purchase decisions SEGMENTATION FRAMEWORK Based on these two key characteristics one way that AAMI could segment their market into the following four segments: How much time is spent researching Little to no time researching Extensive researching How loyal they are to a certain company Very loyal Customers for life This segment contains customers which either do not have time to research or are not interested in researching different insurers due to loyalty to their current company. Great if you are their current company but difficult to get across from somewhere else. Knowledge is power This segment contains customers who have the time and drive to research different companies but who prefer to stay with their existing company. They are more likely to try to get a better deal with their current insurer than switch. Not very loyal Only if they have to This segment contains the customers who know they need insurance but dont waste time thinking about the details. They may perform a basic search and go with the insurer they notice first. Flashy adds will draw their attention. Simply the bestà ¢Ã¢â€š ¬Ã‚ ¦. for less This segment contains the customers who will spend as much time as needed to search for the very best deal no matter who it is from. Having the details which set you apart from competitors on your website is key for these customers. Table 4. Proposed segmentation framework for AAMI. SEGMENT PROFILES The following information has been used to roughly estimate the size of each of these segments. In order to more accurately determine the segment size and segment profile, AAMI would be required to conduct further research with consumers. Generation Y is the most under-insured generation, with a World Insurance Report showing only 36 per cent, compared to 52 per cent of others (Han 2016) Studies indicate, 86 per cent of Australian consumers would only consider between one to three insurers when selecting their next policy (Martin 2016) A survey showed only 15 per cent of respondents believed it was essential to find the cheapest product (Myth vs Reality The Expectation Gap in the ANZ Insurance Industry 2016, p 4) A survey also showed that Australian insurers have retention rates of more than 50 per cent across the board (Myth vs Reality The Expectation Gap in the ANZ Insurance Industry 2016, p 7) DESCRIPTION Customers for Life Knowledge is power Only if they have to Simply the bestà ¢Ã¢â€š ¬Ã‚ ¦for less Estimated % of consumers 50% 25% 10% 15% Expectation of segment to grow/shrink Shrink With more information on competing products being in social media this segment is expected to shrink. Grow With more ways now available for consumers to customise their insurance or barter with companies this segment is expected to grow. Constant Some behaviours will never change, time poor or uninterested consumers will always be a constant overall in any industry. Grow With more ways for consumers to easily find information on different companies it is expected that this segment will grow. Purchase behaviour They are not likely to seek out new insurers but would have no choice but to hear about new products through social media They want to make the best purchase decision but also believe that staying with one company is beneficial. They will make quick decisions on insurance if they feel they need to have it even though they dont really want it They will conduct thorough research to find the best deals available. Price and product is their drive, not brand loyalty. Brand Preference This group prefers well- known brands as they are more trusted and seen as a good choice for the long term, once they find an insurer they stick with them. This group also prefers well-known brands for the same reasons but are likely to switch between the big 4 or 5 insurers when necessary. This group has no specific brand preference. They may choose based on the insurers used by people they know or by which insurer comes up first in their low level of research. This group has no brand preference. It is not guided by friends and family insurers either. They go with whomever has the best deals in their eyes. Potential Profit Moderate At the moment the profit made from this segment would be high due to retention rates. However, with the segment set to shrink, potential future profit will decrease. High If Aami can get the correct product mix to appeal to price conscious buyers Profit will increase from these consumers, they prefer a big brand name like Aami. Moderate Once insured they are less likely to switch, the battle is getting them in the beginning, once with Aami they should be life-long customers. Flashy advertising is needed. Low This segment is always looking for better deals, if Aami arent the cheapest in the industry these customers will switch. This doesnt work with AAMIs customer service image. CONCLUSION The Motor Insurance Industry has never been the most exciting in terms of innovation or technology (Sahoo, 2015). Insurance companies have been slow to adopt technology and innovation into their programs. This is beginning to change because of the digital age that we live. With the population in Australia constantly growing the demand for motor vehicle insurance will always be high. With good branding and positive company exposure AAMI can maintain their presence as a major player in the market place. IAG group is a competitor we will need to constantly monitor as they pose the biggest threat to our overall market share. It is recommended that AAMI continue to invest in technological and social branding, making it easier for people to connect with the brand. Continual research needs to be done on consumer insights involving brand perception along with potential customers. This would benefit our industry segmentation profile and strengthen our framework criteria. 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Liew, R 2016, Insurers set to track driver behaviour, The Age, 14 January, viewed 14 January 2016, http://www.theage.com.au/business/insurers-set-to-track-driver-behaviour-20160113-gm4x51.html?deviceType=text> Lukens, D 2014, 2014 Usage-based Insurance (UBI) Research Results for Consumer and Small Fleet Markets, Lexis Nexis, viewed 9 January 2016, http://www.lexisnexis.com/risk/downloads/whitepaper/2014-ubi-research.pdf> Market Forces 2017, Insurance industry and climate change, Market Forces , viewed 8 January 2017, https://www.marketforces.org.au/campaigns/insurance/> Martin, M 2016, Brand loyalty, a double-edged sword to the Australian insurance industry, Insurance Business, 24 October, viewed 14 January 2017, http://www.insurancebusinessonline.com.au/au/news/breaking-news/brand-loyalty-a-doubleedged-sword-to-the-australian-insurance-industry-225421.aspx> Mattro 2017, Top Ten Best Insurance Companies in Australia, The Top Tens, viewed 7 January 2017, http://www.thetoptens.com/best-insurance-companies-australia/> Morgan, J 2014, A Simple Explanation Of The Internet Of Things, Forbes, 13 May,viewed 9 January 2017, http://www.forbes.com/sites/jacobmorgan/2014/05/13/simple-explanation-internet-things-that-anyone-can-understand/#5e84bdb06828> Myth vs Reality The Expectation Gap in the ANZ Insurance Industry 2016, Target, p 4, viewed 14 January 2017, https://3-afa.cdn.aspedia.net/sites/default/files/uploaded-content/field_f_content_file/myths_vs_reality_whitepaper_anz.pdf> Sahoo, D 10 September 2015, Innovation in Australias Insurance Industry, The Weekend Australian, viewed 07 January 2017, http://www.theaustralian.com.au/business/business-spectator/innovation-in-australias-insurance-industry-/news-story/e445f70d04dac6cdf29b077b1a6bc3a6 Sensis, 2016, How Australian People and Businesses are using social media, Sensis, 1 June, viewed 1 January 2017, https://www.sensis.com.au/asset/PDFdirectory/Sensis_Social_Media_Report_2016.PDF> Smith, A, 31 October 2015, Mobile Mania! Australia spends on average more than hour a day on their smartphones, viewed 11 January 2017, http://www.nielsen.com/au/en/insights/news/2015/mobile-mania-australians-spend-on-average-more-than-an-hour-a-day-on-their-smartphones.html> Tiwari, U, 2014, Australian Car Insurance Market ANALYSIS, Slide Share, viewed 2 January 2017, http://www.slideshare.net/ullyully/australian-car-insurance-market-analysis/6> Volvo Car Corporation, Autopilot Travel calmer, safer, cleaner, Vo