Financial Institutions Essay Example | Topics and Well Written Essays - 1000 words

Financial Institutions - Essay Example As financial institution involves services of many people, it is hard to manage everything appropriately. Sometimes, due to some human errors, wrong data is stored in the records which then create problems for the managers and regulators of the institutions. Due to the increasing use of computer and technology, data is sometimes hacked or corrupted which then results in wrong approximation of assets and capital. Unfortunately, financial institutions also face troubles due to the disloyalty of their employees. In some cases, these employees reveal the private data of the institutions or get involved in stealing or bribery. Due to the lack of skills, sometimes employees make mistakes in even entering the details of the customer in the records, which then create huge problems for the institution (Operational Risk, 2008). Financial institutions are amongst the most regulated sectors in the world. They operate in an extremely regulated environment and follows laws and regulations very strongly. The reasons behind regulating financial institutions are: The operations of financial institution involve money transactions and valuable possessions of its clients and thus they need to be highly protected. The regulators of financial institution ensure its customers for the security of their belongings as any harm to these things would not only result in the financial loss of the institution but would also adversely affect its image in the world market. As technology is improving day by day, regulators of financial institutions need to monitor it closely so that they would be able to adopt it accordingly and become the trend setters. This can have a positive impact on their business and would also help in efficient storage of data and information. Financial institutions require very efficient ways of storing data as the operations of financial institutions rely mainly on the information of the

Using material from Item A and elsewhere Essay Example for Free

Using material from Item A and elsewhere Essay ?The cultural deprivation theory argues that many working class and black children do not acquire the basic values, attitudes and skills needed for educational success through primary socialisation in the family. Many cultural deprivation theorists claim that working-class families inadequately socialise their children and therefore their children are ‘culturally deprived’. There are three main aspects to cultural deprivation, one of them being intellectual development. This refers to the child’s development of thinking and reasoning skills allowing them to solve problems and use ideas and concepts. Cultural deprivation theorists would argue that many working class homes lack the resources, such as books and educational toys, needed to stimulate a child’s intellectual development that would enable them to progress more quickly once the child has started school as they already have a prior knowledge and understanding. J. W. B Douglas (1964) says that working class parents are less likely to support their children’s intellectual development through reading with them or other educational activities in the home after he conducted a study that found working class pupils to score lower on tests of ability than middle class pupils. Basil Bernstein and Douglas Young came to a similar conclusion and suggested that middle class mothers are more likely to choose toys that encourage the thinking and reasoning skills that’d prepare their children for school. However, sociologists such as Bernstein and Young have not considered the fact that working class mothers may not have such choice in toys and books that’d be educationally beneficial for their children due to their financial state which would suggest that it is material deprivation that is more important here. Secondly, Carl Bereiter and Siegfried Engelmann (1966) highlighted the importance of language for educational achievement claiming that the language used in lower class homes is deficient. Basil Bernstein also identified differences between the language influencing achievement used by working class and middle class families. He distinguishes between two types of speech code: restricted code used by the working class and the elaborated code typically used by the middle class. He argues that the differences in speech code give middle class children an advantage at school because this is the type of language used and encouraged by the education system through teaching, textbooks and exams. However, this theory is rejected by sociologists such as Barry Troyna and Jenny Williams (1986) who say that the problem is not the language used by the children but the school’s attitude towards it. Similarly, Nell Keddie (1973) describes cultural deprivation as a ‘myth’ and sees it as a victim-blaming explanation, she argues that a child cannot be deprived of their own culture – they are culturally different not culturally deprived and they fail due to dismissal from an education system dominated by middle class values. The third aspect to cultural deprivation is the argument that the parents’ attitudes and values are a key factor affecting education achievement. Leon Feinstein (1998) found that working class parents’ lack of interest was the main reason for education underachievement and was more important than material or internal factors. He suggests that middle class children are more successful due to their parents providing them with the necessary motivation, discipline and support. Likewise, J. W. B Douglas’ study ‘The Home and the School’ said that working class failure is due to a lack of parental interest and stimulation in the home. He found that working class parents visited the school less often and were less likely to discuss their children’s progress with teachers resulting in their children’s decreased levels of achievement motivation. Although this view has been critiqued by Tessa Blackstone and Jo Mortimore (1994) who say the parents visit school less often and attend fewer parents evenings is due to longer or irregular work hours or are put off by the school’s middle class atmosphere not because of a lack of interest in their child’s educational progress. Some sociologists argue that parental disinterest in their children’s education reflects the subcultural values of the working class; they say that large groups of the working class have different goals, beliefs and values from the rest of society and this is the reason for their children’s educational failure. Barry Sugarman (1970) says that working class subculture has four key features that act as a barrier to educational achievement: Fatalism, Collectivism, Immediate gratification and Present-time gratification. Working class children internalise these beliefs and values of their subculture through the socialisation process and this results in their underachievement. Sugarman suggests these values exist due to working-class jobs being less secure and have no career structure to enable individuals to advance. Many sociologists disagree with the view that cultural deprivation is the main reason for education underachievement. Peter Mortimore and Geoff Whitty (1997) argue that material deprivation has a much greater effect on achievement than internal factors however although it is clear that material factors play a part in educational achievement, due to the success of some children from poor families we can see that material deprivation is only part of the explanation. The cultural, religious or political values of the family are a strong part of sustaining a child’s motivation regardless of the child’s social class; similarly internal factors such as the quality of the school allow children from poorer backgrounds to gain educational success.

The Sanctuary Essay Example for Free

The Sanctuary Essay The author of the publication is Elif Batuman. The article’s title is the Sanctuary published in December 19th to 26th in the year 2011. The origin version title is the Life and the Legend by Susan Orlean. It was about the world’s oldest temple built 11,500 years ago at Gobekli Tepe in Turkey. Batuman embarks on a pilgrimage to the Gobelki Tepe temple where she finds much ancient memoirs concerning the way of life of the Neolithic man. She tries to analyse the Neolithic man, but her experience is quite captivating to the reader. The explanations that Batuman offers to regard the different remnants of the Neolithic man are quite convincing. She offers both scientific and biblical explanations for the existence of the evidence as presented by the remnants of the Neolithic man. Batuman has many questions regarding the way of life of the people who lived during the era. In her quest to seek a broader understanding and the way of life and origin of these people; she visits the excavation site where archaeologists are trying hard to unearth the finer details of the Neolithic man existence. There are many artefacts that she finds intriguing and has many questions concerning the animals and human sculptures that exist in the cave. She further tries to gather information from the local residents and raise questions to students and observes every detail and tries to analyse the situation in a logical manner. Batuman feels that these sculptures must surely represent the way of life and the thoughts of the Neolithic man but figures out that the Neolithic man must have had a connection with the Christian biblical origin of man. Batuman further cites many examples about the people from the bible like Adam and Eve, Abraham who are believed to have been among the first generations of mankind on earth. The remnants that are being unearthed from Gobelki Tepe are quite scary to an observer. Snakes, scorpions and other wild animals are naturally dangerous but were part of the creation that the Neolithic man had to contend with. Batuman feels that the men who had their penises exposed were trying to show the importance of children and that they were fertile. Towards the end of the story, Batuman says that Abraham wanted children in order for them to assure him of the continuity of the generation. Batuman tries to convince the reader by providing reasons as to why the Neolithic man became extinct. She feels that there were chances of an occurrence of a natural calamity that wiped out the Neolithic generation. The fact that people lived together with animals could have contributed to a disease outbreak or a natural calamity that wiped out the generation. Batuman further trusts her instincts that she is most likely to be a descendant of the large Neolithic man who is preserved in the museum. This can be somehow convincing to the reader because, sometimes human beings have been proven to have instincts, which guide them to some important discoveries. Elif Batuman tries to relate the Gobelki Tepe temple to the sacred nature of the Neolithic man. The man had a reference for a supreme being who was in control of mankind. The supreme God was recognized for his providence to the people. Among the fundamental things provided were children and food. However, she admits that the sculptures of animals may have been made in order to display a different message altogether. Batuman feels that the hunters should have done some sculptures or paintings in the caves that show hunting scenes. The message that the Neolithic man was trying to put across therefore may need further research in order to try and determine what the real meaning of the sculptures and animals could be.

Factors Affecting Healing Capabilities of the Body

Factors Affecting Healing Capabilities of the Body Analyse Health Information James Rowe 1.3) Intracellular fluid makes up approximately 60-67% of total body fluid. With Intracellular fluid making up approximately 33-40% in both these compartments it is water making up a majority of the solvent in the different body compartments. The total body weight that the fluid makes up is about 60% in Men and about 55% in Women. This is lower due to the higher fat content. Fluid Physiology: 2.1 Fluid Compartments. 2014. Fluid Physiology: 2.1 Fluid Compartments. [ONLINE] Available at: http://www.anaesthesiamcq.com/FluidBook/fl2_1.php. [Accessed 13 February 2014]. An electrolyte is an electrically charged ion that can affect the amount of water in the body. It is also responsible for determining the acidity of the blood (alters PH). And is responsible for a change in muscle function. Sodium maintains the osmotic pressure and volume of the extracellular fluid within the body. Whereas the intracellular fluid is controlled by potassium. By effecting these the body can effect the amount of fluid being drawn into the ECF and ICF. 2.1) Dehydration is a danger because the body requires water to maintain homeostasis. Water is also a key ingredient in blood volume. The less water in the blood the thicker it becomes. The function of the skin have been impaired because the skin integrity itself is compromised. Depending on wound depth many problems can occur. 1st degree burns à ¯Ã†â€™Ã‚   Superficial skin 2nd degree burns à ¯Ã†â€™Ã‚   Some underlying skin damage 3rd degree burns à ¯Ã†â€™Ã‚   All skin layers damage After an area of the body has been burnt many things will happen. Including an increase in the amount of WBC that migrate to the area to help fight off infection and start repairing the body. Also the capillaries of the damaged area will be blocked off to prevent and blood loss. And to stop a possible entrance route for any blood infection. Factors affecting the healing capabilities of the body can be categorised into 2 category’s Internal and External. Internal à ¯Ã†â€™Ã‚   Health status (any other illness that may prevent healing) Age Lifestyle Nutritional status External à ¯Ã†â€™Ã‚   Mechanical damage Stress Temperature Debridement of a wound can happen through many different methods. Including surgically, chemically or even by the body’ defence itself. Debridement is where unhealthy tissue is removed from the wound to aid healing. The top 2 layers of the skin are used in a full thickness graft. These are the Dermus and EpiDermus. 3.1) OBS chart Neurovascular OBS Fluid balance chart Referral/Appointment 4.2) Hypertension is high blood pressure. This is where the blood in the artery is being forced around the body under a higher pressure than normal. Arteriosclerosis is the thickening and hardening of the artery walls. Meaning that there is a loss in the elasticity of the artery wall. Hypertension and Arteriosclerosis are often related. Due to the pressure hypertension puts on the arterial wall they lose their elasticity and become hard and thick (Arteriosclerosis) Hypertension is referred to as ‘the silent killer’ due to the fact so many people are unaware that they have the disease. The signs and symptoms of hypertension are very discreet and can go un-diagnosed for a lifetime. Cardiovascular disease and old age are often associated. This is because the development of the disease over time and the disease becoming worse with age. Some changes that can be to reduce the risk of developing the disease are improving diet, don’t live under stress for prolonged periods of time, tests for and hereditary factors. If there is an increased amount of platelets in the blood and therefore you have a very high clotting factor then you may be at risk of a blockage in a blood vessel. 5.2) A blue or purple colouration of the skin is referred to as cyanosis. Hypoxia is where an area of the body is deprived of adequate oxygen supply. Hypoxia can be generalized or local. Ischemia is the insufficient blood flow to a tissue Hypoxemic hypoxia is where the arterial content of O ² insufficient. This can be caused by a pulmonary embolus or a sudden change in the environment pressure (Diving) 5.3) A tracheostomy is a surgical incision into the next. Opening the airway straight through a hole in the trachea. Endotracheal is a type of tracheal tube inserted through the mouth or nose. Both are a type of tracheal tube that’s purpose is to act as a catheter to establish and maintain a airway. And to ensure enough oxygen gets into the body to allow adequate gas exchange. 5.4) Anaemia is a decrease in the number of RBC or less than normal amount of haemoglobin. This will cause the patient to complain of SOB due to lack of oxygen being supplied to the body due to the lack of haemoglobin. 5.5) The problems that Paul is experiencing with breathing can be due to the muscle spasm down the airway. And the swelling narrows the airway makes it difficult for Paul to breathe. An increase in the production of mucus also explains the wheeze in Pauls breathing. This is because the air being exhaled is being forced through mucus. 6.1) If left untreated then the appendix will rupture causing toxicity in the body. In some extreme cases this poisoning of the body can cause death. 6.2) Because without fibre in the diet stools become difficult to pass. Causing a higher pressure and stronger muscle contraction to be needed. Over a prolonged period this causes damage to the intestine. 6.3) Bile is required to breakdown and aid digestion. If the bile duct is blocked then this would hinder the digestion of some protein and fats. The is because of the bile not reaching the areas that it is meant to. This would mean the body would not be able to absorb essential nutrients during the digestive process meaning there would be a deficiency in the body. 6.4) Jaundice (Yellow skin) Pale colour stool. Dark Urine 8.2) BP increase amount of oxygen to muscles. Vasodilation aids this. Heart beat increase rate of blood pumps around the body and increases the amount of gas exchange occurring in the lungs to help the muscle fuel. Resp Rate increases to allow as much oxygen as possible into the body and to get rid of the CO2. This all allows muscles adequate energy for a fight or flight response. 9.1) When blood enters the kidney (Site of urine formation) it passes through juxtaglomerular that detect blood pressure and blood volume before entering the nephron. When in the Nephron blood needs to be under pressure to force out fluid and solutes (smaller than protein) After reabsorption occurs the remaining waste is urine. Without a suitable BP or BV this wouldn’t occur. 10.1) Concave lenses. This is because the positive diopetes of myopic eye. This will help her see things further away (Refrence Marieb) 10.2) Sensorineural deafness – Degeneration or damage to the nerve, neuron and receptor cell. The MP3 caused damage to the nerves in the ear and the neurons of the auditory cortex. This is more serious than conductive deafness as it effects the ability to hear both conduction routes (Air conduction and Bone conduction) Conduction deafness – Something interferes with sound vibration waves. This means that waves do not reach the inner ear fluid (Ear wax and Blockage)

Genetic Testing And Its Social Implications :: essays research papers

Probably, applied genetics’ most impacts on society are as a result of genetic tests. In general, genetic tests seek to detect some feature of a person’s genetic constitution. This feature can be a disease causing mutation or a marker DNA sequence used to detect presence of another gene. Obviously these procedures used for testing the status of DNA, RNA or chromosomes are included in genetic tests. What is more it is possible to include some protein based tests and classical medical examinations when they aim to detect inheritance of a trait. Genetic tests have been divided into four categories in this text, and they will be examined in greater detail later. These categories are: Prenatal tests that are applied on fetuses during pregnancy. Neonatal screening just after birth and career screening of marrying couples. Testing for serious late-onset disease before the symptoms occur. Testing to assess the probability of developing complex disease. There are a couple of considerations about genetic tests: 1. First of all, the tests should be reliable. When a positive or a negative result is obtained, we should be confident in that result with a confidence approaching 100%. To achieve such a high accuracy is not as easy as it may at first appear to be. Meiotic recombinations that always occur take place during gamete generation, may separate a disease-associated gene and a marker DNA sequence which is used to detect mutated genes. False positive or negative results could be obtained. In addition, genetic tests look for the most common mutations that cause the disease. For example, a test would detect CFTR?F508 (Cystic Fibrosis Transmembrane Receptor) mutation, however it is not possible to detect infinite number of other mutations. Therefore, a genetic test can give such results so that the physician is convinced that his patient is normal while he is affected by an undetectable mutation. New tests are continuously being developed. Doctors and genetic counselors who will use these test s in the future, should be well informed about newly emerging tests. 2. Extremely accurate genetic tests can only be developed by thorough experimentation on human subjects. Although there is generally no physiological risk in experimenting a person, the subjects should be informed that the applied test is not entirely reliable and in experimentation state. Informing subjects of experimentation is an obligation set by the Nuremberg Code. Just after World War II it was discovered that unethical experiments had been performed on humans who were kept in concentration camps of Nazi Germany.

Road to Fluency Essay -- Language

For the past decades, a vast amount of immigrants have made their way into our nation. For work, reuniting with family, fleeing from poverty, and various other reasons many immigrants have added to our already massive and diverse population. Along with picking up and moving their life to the United States, many of these immigrants that have fled to our nation have brought along their families. More specifically though is the many immigrant children that have been brought to America. By the time the new millennium reached in the year 2000, â€Å"over 3 million students in the U.S. schools were counted as ‘limited English proficient’, a number that is almost double what it was just 10 years before† (Olsen 2). With our nations’ schools increasing in English language learners it has now reached a point where these students are not always the minority. Because of this it puts more attention on theses students and it has been said by many specialists that not enough attention has been paid to including these English language learners appropriately since their arrival. However, the most challenging task for teachers has been to take these English language learners and make them fluent in English. In order for our nations’ teachers to meet the needs of the many English language learners, teachers today must incorporate strategies to successfully teach writing and literacy. One can only imagine how it would feel to come to a new country and not know the native language, but for English language learners this is a challenge they face everyday. As immigrants, these students lack knowledge of the English language and as they are put in the U.S. school system they face the challenge of not only learning English but also learning other sub... ...ively teach ELLs to be successful in writing and literacy, and more importantly to become successful and happy students. Works Cited Beckett, E. Carol and Perry Kay Haley. â€Å"Using Standards to Integrate Academic Language into ESL Fluency.† The Clearing House. 74. 2 (2000): 102-104 Brice, Alejandro and Celeste Roseberry-Mckibbin. Turning frustration into success for English Language Learners. Educational Leadership, 56.7 (1999): 53-55. Jong, Ester and Candace A. Harper. â€Å"Preparing Mainstream Teachers for English- Language Learners: Is being a Good Teacher Good Enough†. Teacher Education Quarterly (2006) Myer, Lois. â€Å"Barriers to Meaningful Instruction for English Learners.† Theory into Practice. 39.4 (2000): 228-36. Olsen, Laurie. â€Å"Learning English and Learning America: Immigrants in the Center of A Storm.† Theory into Practice. 39.4 (2000): 196-202

Henrik Ibsens A Dolls House Essay -- Henrik Ibsen Dolls House Essay

Henrik Ibsen's A Doll's House Ibsens's play is a modern tragedy which functions on two levels, questioning the established social order of the day and presenting the death of a marriage. Both these events create a great deal of tension, and combined with the language and actions used by the characters, make the play very intense. The main cause of dramatic tension throughout the play is the way that the difference between the real nature of the characters and the roles they are assigned by society is presented. This difference is demonstrated by the disparity in the action of the characters in comparison with their lexical choice. The initial impression given by the opening scene is of a happy traditional household. The first element of dramatic tension in the play is introduced when Nora demonstrates this inconsistency when she lies to Helmer about having eaten macaroons, Helmer: "Has my little sweet-tooth been indulging herself in town today, by any chance?" Nora: "No, how can you think such a thing?" It displays the way in which Nora is not always entirely honest with Helmer in order to maintain the inferior and obeying image he has of her. It indicates that all is not as it first appears, creating dramatic irony and tension, as the audience are aware of the truth, yet Helmer is not. The immediate declarative used, "No" followed by the interrogative "How can you think such a thing" displays that Nora is firstly attempting to remove all doubt of her innocence, and then switch the focus of the conversation to Helmer to distract from the fact that it is she who is lying. Language is used to create dramatic tension as the different registers used by the characters in different situa... ...s something is going to happen or its near the end Unexpected turn when Mrs Linde says Helmer must know the truth Nora HINTS AT PLOT Helmer points out Nora's vulnerability - what would happen if he died. When Helmer condemns Krogstad - dramatic irony because audience know Nora has done the same as him. WAITING Nora almost telling Helmer but delayed as Dr rank drops in and gives black crosses so she has to wait longer. Helmer goes to study to read the letter - audience and Nora are waiting to see what happens when he returns. DESPERATION Krogstad warns Nora against suicide - shows how desperate she must be. Tarantella dance displays her desperation physically. IMAGERY The Christmas tree reflects Nora's state (e.g. bright and colourful at the beginning, candles burnt out nearer the end) Fancy dress represents Nora wearing her false self