Q Manual free essay sample

There are numerous individuals whose significant commitments to this version of the Q Manual must be recognized. They remember (in no specific request): Andrew Dixon, Coalfield Campus Library David Horn, Coalfield Campus Library Owen Hughes, Faculty of Business and Economics Sally Joy, Faculty of Business and Economics Lynn Macdonald, Faculty of Business and Economics Michael Scourge, Department of Accounting and Finance Claire Tanner, F-cliques of Arts Our exceptional much gratitude goes to Lynn Macdonald and Claire Tanner for the numerous hours spent examining and altering the substance and for planning creation of the Q Manual.Without your endeavors and persistence, this version couldn't have been distributed. True thanks additionally go to my dear companion and partner, Glenda Crossing, who has worked together with me for a long time on various huge instructive activities for the workforce. A committed instructor, Glenda works eagerly and energetically, keeping a receptive outlook, and above all, continually holding her magnificent comical inclination! Glenda additionally expresses gratitud e toward Nell for her collegiality, commitment, motivation and difficult work on this and other instructive tasks. Together, we have delivered a distribution that we expectation will help you in your cleans. At last, we wish you an animating, testing and compensating learning experience all through your undergrad and postgraduate examinations with the Faculty of Business and Economics. Nell Kimberley Department of Management Faculty of Business and Economics January, 2008 Glenda Crossing Education Adviser Faculty of Business and Economy CICS Chapter 1 Introduction 1. 1 Welcome Congratulations on your determination to consider one of the courses offered by the Faculty of Business and Economics at Monish University.This manual is planned to furnish you with data on the best way to create quality work ND accomplish the most ideal outcomes in your assessments. The significant objective of the college is to help you to acquire brilliant training with the goal that you may have your spot in the public eye as an all around qualified alumni. It is essential to take note of that while the courses give the showing support and the fundamental structure for your investigations, achievement can be accomplished distinctly through your own responsibility and devotion to difficult work all through all the long stretches of your course.The following data is planned for acquainting you with the Monish University study condition and expanding your viability s a Monish understudy, in this manner empowering you to arrive at your latent capacity. For those of you who are encountering college level examination just because, this manual will establish a significant framework and set you up for another world. 1. 2 Monish college Monish University was built up in 1961 and named after General Sir John Monish (1865-1931 Sir John was a fighter, researcher and engineer, and the Commanding General of the Australian powers in France in World War 1.In expansion, as the main Chairman of the State Electricity Commission, he assumed the monstrous assignment of administering the advancement of the LaTrobe Valleys earthy colored coal assets. Sir John was a man of wide interests and huge scholarly range. He was this nation first Doctor of Engineering and represents the University witticism Anchor Impart (l am as yet learning). The college currently has a populace of in excess of 50,000 understudies from more than 1 00 nations, who communicate in 90 dialects. There are eight Monish grounds and two focuses, in Italy and London. The essential quest for instructing and exploration are done in the universitys ten resources. The resources, which each spread a particular assemblage of information, are: Art and Design; Arts; Business and Economics; Education; Engineering; Information Technology; Law; Medicine, Nursing and Health Sciences; Pharmacy; and Science. 1. 3 1 . 3. 1 Faculty of Business and Economics Goals The point of the personnel is to utilize its scale, degree and exceptional interior decent variety to turn into a universal head in the interest, dispersal and examination of information, especially in the controls of bookkeeping banking econometrics, financial aspects, fund, the board, advertising, and tourism.By the use of such information, its staff and understudies will add to the monetary, social and business advancement of Australia and different nations in an undeniably globalizes condition. 1 . 32 Faculty structure The Faculty of Business and Economics is the biggest personnel in the college, with more than 1 7,000 understudies enlisted more than five Australian grounds at Berwick, Coalfield, Clayton, Spalding and Peninsula, just as in Malaysia and South Africa.In expansion to an assorted scope of undergrad lone rangers degrees, the workforce offers a far reaching scope of graduate courses including an official testament, graduate declarations and certificates, aces degrees by coursework and examination, the Master of Business Administration, the Doctor of Business Administration, the Master of Philosophy and the Doctor of theory. Courses are conveyed nearby, for the most part through talks, instructional exercises and Web Vista, while meddlesome understudies are provided food for by separation training. The Dean and the fundamental personnel office are situated on the Coalfield campus.In expansion, there are workforce staff situated at the different grounds. Go to http://m ove. Transports. Monish. Deed. AU/understudy/contact/for area and contact subtleties. 1 . 33 Departments and focuses The Business and Economics personnel is partitioned into associations that are answerable for specific subject matters. There are six offices and two exploration habitats. The divisions are: Accounting and Finance, Business Law and Taxation, Econometrics and Business Statistics, Economics, Management, and Marketing. The exploration habitats are: Center of Policy Studies, and Center for Health Economics.They spread fields of study including bookkeeping, banking, business law, business insights, financial matters, econometrics, account, worldwide business, the executives, human asset the executives, promoting, tax assessment and the travel industry. Whatever your major or zones of study it is basic that you have a comprehension of every one of the controls and how they cooperate with one another in the general activities of business association. 1 . 3. 4 Aims for learning at Monish University and in the Faculty of Business and Economics The college and the staff perceive the necessities of understudies for their lives following graduation.As a Monish graduate you will be working in a globalizes and quickly evolving world, and the college and personnel intend to create in understudies ascribes past the capacity to comprehend and work capability with course and unit content. The points are that understudies will create in manners that will empower them to: Engage in an internationalists and progressively globalizes world; Engage in revelation, examination, incorporation and application for critical thinking and learning with information; Communicate skillfully orally and recorded as a hard copy across societies and settings, including their particular disciplines.As you embrace your investigations, you will see an accentuation on these characteristics and you will be occupied with exercises and errands to assist you with creating them. In the accompanying sections of this guide, we clarify the impacts of these ascribes on your way to deal with study. 1 . 3. 5 Units Each division offers a wide scope of undergrad and postgraduate units. In a three-year college degree, there are twenty-four units, with our units to be taken in every semester (low maintenance understudies would ordinarily attempt two units every semester). The unit head or organizer is answerable for the organization of the specific unit. You can talk with your unit head, or potentially facilitator in bigger units you may likewise talk with different instructors and mentors. 1 . 3. 6 Role of teachers/coaches Lecturers and guides have a key job as facilitators Of your learning. They are capable and generally ready to assist you With your investigations and can be reached utilizing your understudy email account. Their email addresses are situated in the unit layout. On the other hand, scholastic staff can be reached during their counsel hours which are regularly posted on their entryway or outside the principle organization office. 1 . 3. 7 Role of on-line wellsprings of data Monish has received a learning the executives framework which gives you access to on-line unit data. The web contains data that you have to know for the unit, both of an authoritative nature just as valuable material for your investigations. 2 1. 3. Job obviously executives/facilitators If you are experiencing scholarly execution issues, course movement and comparative issues you ought to at first talk about these with enrolment officials or course consultants. You may, every so often, at that point be alluded to course executives or course facilitators to help with these issues. College understudies are alluded to course executives or course organizers by the workforce office and postgraduate understudies by departmental organization staff. Whenever alluded, course executives and facilitators are accessible during their interview hours. . 3. 9 Additional significant data The Undergraduate and Postgraduate Handbooks and the Student Resource Guide give significant data with respect to different parts of college life. The Student Resource Guide is appropriated to constantly of starting enrolment and is accessible on-line at www. Monish. Deed. AU/bars. It contains subtleties of the college code of training for educating and learning, just as complaint and offers systems. Further duplicates can be acquired from Student Service Centers on all campuses.An great asset for understudies is additionally accessible on-line through the understudy interface on the Business and Economics Faculty site at http://www. Transports. Monish. Deed. AU/understudy/. The site contains connections to significant data with respect to: courses and units, confirmations and enrolments, schools and divisions, exa

Quality Manuals in Orbital Traction

Presentation The point of the examination is to break down the explanation that â€Å"quality manuals are an exercise in futility, they take too long to even think about preparing and don’t have any effect to the nature of the product† dependent on the Orbital Traction contextual analysis (Ai 8).Advertising We will compose a custom article test on Quality Manuals in Orbital Traction explicitly for you for just $16.05 $11/page Learn More Orbital Traction is an organization that makes excellent items utilizing distinctive quality manual guidelines that apply over every branch of the organization for quality affirmation (Bronson Merryman 2010). The reason for a quality manual is to â€Å"satisfy a need, meet item determinations, and offer a support or item that is liberated from deficiencies† (Voss 2005, p.7). To accomplish the quality affirmation objective at Orbital Traction, the quality confirmation division is answerable for composing the quality manual that giv es a system to growing great items and administrations that are comprised with the guidelines of value that are itemized in the quality manual (Bhuiyan Alam 2005). As indicated by Bronson and Merryman (2010), a quality manual is obligatory to consent to the gauges of value that are definite in the ISO 9000 norm and control reports. Nonetheless, it brings up the issue that is a quality manual an exercise in futility to compose? Expensive as far as assets The quality confirmation division at Orbital Traction puts away time and cash and different assets to create quality manuals that give a quality affirmation structure to the company’s quality administration framework to guarantee better help conveyance. Here, a quality administration â€Å"system is kept up and constantly improved using the quality strategy, quality destinations, inside and outer review results, investigation of information, remedial and preventive activity and intermittent administration reviews† (Voss (2005, p.3). Zeiler (2011) concur that the errand of composing quality manuals is a mind boggling process that requires contributions from various sources, for example, learned specialists and well-talented HR. That permits the quality confirmation division to stay informed concerning the consistent need to change the quality approaches, review results, quality targets and direct administration surveys for all the things in the quality manual.Advertising Looking for exposition on business financial matters? How about we check whether we can support you! Get your first paper with 15% OFF Learn More An investigation by Zeiler (2011) shows an organization creates quality manuals to screen, confirm, approve, review, and test the procedure prerequisites of a decent quality item. Nonetheless, the need to compose another quality manual by the quality affirmation division when Orbital Traction builds up another item is opposing procedure on the grounds that to build up another item or admi nistration, the new item or administration is presented with a particulars report that gives subtleties and standard proportions of value that are expected of the item. Presently composing another quality manual for the item or administration of what as of now has been done requires extra assets and time to execute and the net outcomes are a similar report that as of now exists. Quality Manual Analysis The quality manual utilized for this situation was composed by the Orbital Traction Company. Feng, Terziovski and Samson (2007) contend that a quality manual advancement process experiences a few stages, for example, distinguishing the particular procedures appropriate across various branches of the association, deciding how the procedures connect with one another, setting up the models for cooperation of the procedures, planning the procedures, building up control forms for every item improvement, setting up quality controls and checking measures, and making forms for quality control and the board (Antony 2004). Be that as it may, the subtleties must be coordinated into the item particulars report of item advancement once the quality manual has been grown, however the subtleties may be disposed of on the grounds that the quality manual is a general archive and new changes to item improvement must be reflected into the quality manual when they happen. That implies the quality manual can either be disposed of or audited to meet changes in item improvement, indicating that the item particulars report is the wellspring of the subtleties in the quality manual and not the other way around, as it ought to be.Advertising We will compose a custom article test on Quality Manuals in Orbital Traction explicitly for you for just $16.05 $11/page Learn More According to Saaksvuori and Immonen (2005) â€Å"correctness, trustworthiness, ease of use, dependability, and maintainability† (p.22) characterize the item quality measurements that are all inclusive for any item t hat are commonly characterized in the quality manual and not the particular subtleties of item advancement dependent on explicit item quality measurements to guarantee quality confirmation. Be that as it may, advancement can't be ensured if the quality manual doesn't specify new item improvement subtleties continuously or if the insights regarding an item are not reliable with the subtleties in the quality manual. That denies gifted specialists the chance to utilize their abilities for advancement and seek the quality manual for every item improvement. As indicated by Edvardsson (2005), if another item is to be created, the board must set aside effort to review results, audit process execution and item conformance to quality guidelines, and survey client input about the nature of the subsequent item. In any case, it sets aside a great deal of effort to compose a quality manual that gives a structure to evaluating yields and distributing assets for item advancement. It is conceivable that when an item has been created and put on the racks utilizing the rules of another quality manual, the item will be outdated and uncompetitive. An organization should be dynamic in development and ought to consistently react progressively to changing requirements for new and great items to be serious. As per Hornecker (2010), a ton of time isn't just spent to build up the quality manual for the new item, yet assets are additionally dedicated to compose the quality manual, constraining efficiency and without a moment to spare reactions. Furthermore, when a quality manual gets utilitarian, the items created utilizing the quality manual will in any case be the equivalent and uncompetitive in the market in light of the fact that the time they are brought to the racks is bogged down, which makes the item to be starts plan. Item acknowledgment When utilizing a quality manual, the item improvement strategies experience consistent arranging and planning forms that involve the ‘pl anning of item acknowledgment phase’, which is as per the explanation that â€Å"organization will design and build up the procedures required for item realization.Advertising Searching for article on business financial matters? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Arranging of item acknowledgment will be predictable with the necessities of different procedures of the quality administration system† (Jang Lin, 2008, p.4). Nonetheless, an evaluation of Orbital Traction shows that the arranging procedure involves the organization setting up quality destinations under explicit item improvement prerequisites. Here, the quality manual’s â€Å"planning process includes building up forms, making item explicit records, and doling out assets for the improvement of the product† (Kinicki Williams 2010, p.34). Another announcement on item acknowledgment that makes a contention at the Orbital tracts quality confirmation office is that the â€Å"required check, approval, observing, examination and test exercises explicit to the item and the measures for item acceptance† (Jang Lin, 2008, p.6) ought to give rules on the creation and utilization of a quality manual. Orbital Traction has item advancement details and norms (Green 2005). The above proclamation suggests that, a quality manual ought to be composed to indicate the necessary â€Å"verification and validation† (Jang Lin, 2008, p.6) of an item. Here, the announcement avoids expressing the approval and check strategies and the result from those methodology. In any case, the announcement doesn't intricate how the checking tests ought to be done, yet indicates that the systems ought to be steady with the standards for â€Å"product acceptance† (Das, Paul Swierczek 2008, p.17). In any case, those subtleties are as of now indicated in the item improvement manual that shows that additional time is taken to compose the explanations that as of now exist in other item particular records (Schmenner Tatikonda 2005). Another duplication of what as of now exists is communicated in the explanation that â€Å"records need to give proof that the acknowledgment forms and coming about item meet item requirements† (Jang Lin, 2008, p.7). The announcement is a reiteration of what as of now is in item details archive and composing a quality manual dependent on the announcement is away from of the standard of repeatability. By what other means can an item be created without the necessary documentation? The announcement keeps on expressing that â€Å"the yield of this arranging will be in a structure that is appropriate for the organization’s technique for operations† (Jang Lin, 2008, p.8). One is made to presume that the errand of composing a quality manual is an exercise in futility while the last item continues as before (Heese, Cattani, Ferrer, Gilland Roth 2005). The inquiry is, how does the last item continue as before but then the quality manual has been utilized to control being developed procedure and strategies and to make suggestions for fulfilling the quality guidelines? Structure and d

How to Write Social Change Essay Topics

How to Write Social Change Essay TopicsSocial change essay topics can be very challenging for students. If you are trying to write an essay about social change, make sure that you pick the topic that your audience will understand.The first thing you need to do is to write a thesis statement, but of course you need to be sure that it is correct before you start writing. It is always better to have the audience agree with your idea, and to see that you are not contradicting your own thoughts or points. Therefore, it is important to use a template in which the thesis statement is written.Once you have the thesis statement ready, it is time to choose your target audience. You should identify your audience first, before you start writing your essay. If you know who you are writing for, the better. If you are writing for someone else, you may have to write in a different manner.Make sure that you have some research materials, such as a thesis paper, before you start writing your essay. You also need to create a research outline before you start. The outline should be able to go over the ideas you will discuss in your essay. It will help you organize your thoughts and to take out the blanks, so that you will not have to come up with a hundred ideas when you are writing your essay.A good topic for your essay, if you are writing for social change, would be education. Because education is something that affects all of our lives, it should be included in every essay topic.Another important component of education is what people do once they finish their education. The education industry is something that many people work in, and therefore it has to be included in every social change essay topic. For example, if you are writing about the educational system, you need to include things like the importance of having a quality education, the most important aspects of teaching, the different kinds of teaching methods, and the different schools and universities that teach.Also, t here are classes that teach college courses. This is something that is written about in each year's State School Yearbook.Finally, you should also be sure that you include information about how the issues of society and of social change affect your personal life. The more personal the information is, the better.

Is College Education Worth It - 1924 Words

Is a College Education Worth It? Garrett Lazorchak Introduction The debate about whether a college education is worth it may have begun when the pilgrims first came over from Europe and founded â€Å"New College†, which was later changed to Harvard University in 1636. With over 19.9 million college students enrolled today and a combined student debt for the country of over 1.2 trillion dollars the debate continues today. People who argue that college is not worth it, point to the crippling debt that some college graduates have which can delay graduates from saving for retirement or buying a house. They also say that everybody enrolling in college can have some unintended consequences and that many jobs, especially trade jobs, do not require a degree. People who say that a college education is worth it contend that college graduates have bigger salaries, higher employment rates, and more work benefits than those only with a high school diploma. History of American Colleges There are currently nine colleges still operational that began during the colonial era: Harvard University (1636), the College of William Mary (1693), Yale University (1701), Princeton University (1746), Columbia University (1754), Brown University (1764), Dartmouth College (1769), Rutgers University (1766), and the University of Pennsylvania(1749). (Perkin) These universities usually catered to a specific religion such as Puritan or Episcopalian and were funded by either England or the colony. (Thelin)Show MoreRelatedIs A College Education Worth It?1018 Words   |  5 PagesIn today’s society, the idea of receiving a college education has been pondered quite a bit as to whether or not it is actually worth it. According to Michelle Adam, many people â€Å"†¦today believe that getting a good education is key to success in our society, this revealed surprising issues that challenge the notion of higher education being worth its price tag† (59). Naturally, many high school graduates apply for college right before or after graduation. Others decide to go into the work force, armedRead MoreIs College Worth A Education?1140 Words   |  5 PagesIs college worth attending? Many graduating students are leaving college today with enormous amounts of student’s loans debt. Sometimes they do not obtain the college degree that they were going to school for. Today many induvial believe that getting a good education is the key to success in our society. There are issues that challenge the notion of higher education being worth its price. While in college, many students suffer stress from all the school work and responsibilities that is requiredRead MoreIs College Education Worth It?1366 Words   |  6 PagesIs College Education Worth It? Have you ever wondered how much some of our nation’s top college presidents are paid? If not, then the CNN documentary Ivory Tower is a good starting point. 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Racial Differences Of The African American Race - 1233 Words

Racial differences is one of the most common reasons why most disturbances and conflicts happens in our world. The African-American race seems to be dealing with this issue for a very long period of time. Between the early 1900’s and the 1960’s three very influential individuals looked to change the mindset of the African-Americans in their time and establish their way of equality and equity. Where three different mindsets and ideas all with the common goal of raising the average African-Americans human value and worth higher. The oppression of the people of their own race fueled their drive to make a difference. A change was a must and these three individuals I will be talking about were the catalysts behind a movement they believe was going to accomplish that common goal. From Marcus Garvey and his ideas of unifying all African-Americans to their new and own government and nationalism. Then to Malcolm X and Dr. Martin Luther King and their two different approach in t he new wave of racial discriminatory actions in the country but unrecognizable similar ideas. All looking to provide a racial freedom and justice for their people and everyone not giving those opportunities. Marcus Garvey a jamaican migrant who was influenced by the strong nationalism of his home country and the outright unity of all the African-Americans used that in his dissent. Forming the U.N.I.A. that had claimed over 4 million followers he began outletting his outspoken words in creating an all blackShow MoreRelatedRacial Segregation : Made Up Differences1010 Words   |  5 PagesRacial Segregation; made-up differences. Racial segregation is the idea that every race is certainly different, but it also leads to the idea that certain races don’t belong and are barely human. Some people, civilized, educated, yet ignorant people, thought that everyone normal was white. 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This Past Saturday1712 Words   |  7 PagesAfrican Americans: Autoethnography This past Saturday I attended my neighbors daughters baby shower, whom I have known for about a year. My neighbor is an African American woman, and so is her daughter, along with their family and friends. I didn’t think anything different about myself attending a baby shower and being surrounded by all African American females, until I got this assignment, then it really made me open my eyes when engaging. I was the only white female at this event, and the only

Christian Ethics for Theological and Historical- myassignmenthelp

Question: Discuss about theChristian Ethics for Theological and Historical. Answer: The article The Centrality of Conscience in Eastern Orthodox Ethics by Father Stanley S. Harakas sheds light on the orthodox perspective of conscience through several perspectives. Conscience is perceived as the psychological phenomenon (Klanjek., Vazsonyi and Trejos-Castillo 2012). Conscience makes human psyche to segregate the morally right from the morally wrong. Conscience has a several types of interpretations, as it cannot be analyzed in a uniform manner. According to Socrates interpretation of conscience, Diamon, the conscience is forced phenomenon on human psyche condemning the wrong and praising the right (Klanjek., Vazsonyi and Trejos-Castillo 2012). The eastern orthodox ethics advocates the concept of Guardian Angel and Voice of God in depicting conscience. The centrality of conscience defines the God is absolute good. According to me, the concept of Guardian Angel does not stand. In reality there is no customary angel on anyone`s shoulder to instruct them towards the morally right path and on the hand the devil perched on other shoulder is restricted from doing the right (Bezzerides, Prodromou 2017). Conscience is regulated by the emotions of human being, which is influenced by the factors like, family, environment, and education and genetic. The Eastern Orthodox Ethics also draws the example of Adam and Eve in terms of covering the guilt the conscience is used as the excuse to escape the guilt. According to me conscience is a phenomenon restricts the human from committing wrong so that the guilt does not sting the human psyche (Bezzerides, Prodromou 2017). Lastly, the conscience does not work in a mechanical manner. One has to develop a sharp and enriched conscience. In the article Foundations of a Christian Ethic, the Christian Ethic is defined as a perception of Christian theology that segregates the morally good behavior from the immoral behavior. In terms of Christian Ethic Grenez suggests that there are several perspectives of Christian Ethics, which differ from each other (Glaw 2014). Ethics not always connected to spirit and word. The heteronymous perspective of Christian Ethic focuses on the written draft of scripture. Christian Ethic depends on the external sources, as it believes the God instructed people with the way of living a life (Glaw 2014). On the contrary, the Protestants believe the Bible as the ultimate source of ethereal guidance. In term of regulating human life the Protestant`s view is that Bible is the foundation of life. The law suggests there are some embargoes in leading the daily life, which is directly connected, to specific foods (Niebuhr 2012). According to Grenzs perspective about the foundation of Christian Ethic is related to the Bible, which is considered as the law book of leading a life. Grenz looks into the principles, which is written in the scriptures for primary source of specific laws. Grenz supports the heteronymous perspectives of foundation of Christian Ethics, though the heteronymous perspectives are formed from assumption of the divine revelation. According to Grenz the biblical definition of God is the ultimate creator and there is a fundamental relationship between the God and the earth and the heaven (Niebuhr 2012). Grenz suggest that declaration of the existence of God is the answer of many ethical questions of ethical value of Christianity. References Bezzerides, A.M. and Prodromou, E.H. eds., 2017.Eastern Orthodox Christianity and American Higher Education: Theological, Historical, and Contemporary Reflections. University of Notre Dame Pess. Glaw, A.M., 2014.The Holy Spirit and Christian Ethics in the Theology of Klaus Bockmuehl. Wipf and Stock Publishers. Klanjek, R., Vazsonyi, A.T. and Trejos-Castillo, E., 2012. Religious orientation, low self-control, and deviance: Muslims, Catholics, Eastern Orthodox-, and Bible Belt Christians.Journal of Adolescence,35(3), pp.671-682. Niebuhr, R., 2012.An interpretation of Christian ethics. Westminster John Knox Press.

Animal Testing Essays (967 words) - Animal Welfare, Animal Testing

Animal Testing Essays (967 words) - Animal Welfare, Animal Testing Animal Testing Traditionally, animals have been used to ensure the safety of our consumer products and drugs. Yet around the world, scientists, regulators and animal protectionists work together to develop alternatives to their use. The use of animals in the life sciences dates back to ancient Greece and the earliest medical experiments. To learn about swallowing, physicians cut open into the throat of a living pig. To study the beating heart, they cut open into its chest. For centuries physicians and researchers used animals to enhance their knowledge about how the various organs and systems of the body functioned, as well as to hone their surgical skills. As long as animals have been used in experiments, people have expressed concerns about such research. Questions about the morality, necessity, and scientific validity of animal experiments have arisen since those ancient physicians first began to study bodily functions. Alternatives are methods, which refine existing tests by minimizing animal distress, reduce the number of animals necessary for an experiment or replace whole animal use with vitro or other tests. While vivisection has received more attention and funding, clinical and epidemiological (studying the natural course of disease within human population) studies have had a much more profound impact on human health. In fact, clinical and epidemiological evidence linking smoking to lung cancer was established long before warnings of the dangers of smoking were released to the general public. Because animal experimentation failed to each the same conclusion, warning labels on cigarettes were delayed for years! During this time hundreds of people died from lung cancer because the results of animal experimentation were considered more valid than studies of human patients. Animal based research is the science of the past. There are a number of alternatives available to modern researchers, which a re less expensive, more reliable, and ethically sound. They provide results rapidly, experimental parameters are easily controlled, and their focus on the cellular and molecular levels of the life process provides more useful information about chemicals and drugs. High Productive Volume Tests, test a minimal amount of a product on an abundant amount of animals. Two - hundred baby rats, just three weeks old are placed in wire - bottomed stainless - steel cages. Twice daily Monday thru Friday, laboratory workers pull the small mammals from their cages, force steel clamps into their mouths to hold their jaws apart and swab their teeth with an anti - cavity dental chemical. After three weeks, the workers kill the baby rats by cutting off their teeth. The procedures are called Biological Tests for Tests Flouride Dentifrices and :Determination of Animal Carries Reduction - puzzling terms to most of us. But the meaning is deadly to animals. The officials who order this test work for the U. S. government s FDA has made exceptions for manufacturers, including Toms of Maine, that wanted to market new toothpastes without any tests on animals. If some companies can manufacture safe, effective anti - cavity toothpastes without using any animals, why cant a ll dental product companies stop killing animals? Philosopher Jeremy Bentham sounded the rallying cry for animals everywhere: The question is not, can they reason, nor can they talk, but can they suffer? The Animal Welfare Act sets standards for the housing, handling, feeding, and transportation of experimental animals, but places no limitations whatsoever on the actual experimental conditions and procedures continue to challenge, whether human beings have the right to use animals for any purpose. The HPV Program sounds so important, right? Wrong! Because no resulting action will be taken against the chemicals involved in this program. Instead of protecting the public from hazardous chemicals, the EPA will inform us of how quickly mice and rabbits died when force - fed a chemical, or how many mouse pups were stillborn after their mother was force - fed massive quantities of already known toxic chemicals. Every medical advancement has not been a result of animal testing. Results derived from animal experiments have had a very minimal effect on the dramatic rise of life expectancy can be attributed mainly to changes in lifestyles, environmental factors, and improvements in sanitation. Many medical schools in the U. S. do not use animals in the training of medical students. They include:

5 Words That Dont Mean What You Think They Mean

5 Words That Don't Mean What You Think They Mean You keep using that word, Inigo Montoya says to Vizzini in The Princess Bride. I do not think it means what you think it means. The word that Vizzini so frequently misuses in the film is inconceivable. But its not hard to imagine other words that hold different meanings for different people. Meanings that may even be contradictory- literally so. Of course, its not unusual for word meanings to change  over time. Some words (such as nice, which once meant silly or ignorant) even reverse their connotations. Whats especially intriguing- and often perplexing- is to observe such changes in our own time. To show you what we mean, lets take a look at five words that may not mean what you think they mean: literally, fulsome, ravel, peruse, and plethora. Literally Meaningless? In contrast to  figuratively, the adverb literally means in a literal or strict sense- word for word. But many speakers have a habit of using the word quite unliterally as an intensifier. Take this example from a speech given by former Vice President Joe Biden: The next president of the United States is going to be delivered to the most significant moment in American history since Franklin Roosevelt. He will have such an incredible opportunity not only to change the direction of America but literally, literally to change the direction of the world.(Senator Joseph Biden, speaking in Springfield, Illinois, August 23, 2008) Although most dictionaries recognize the contrary uses of the word, many usage authorities (and SNOOTs) argue that the hyperbolic sense of literally has eroded its literal meaning. Full of Fulsome If your boss showers you with fulsome praise, dont presume that a promotion is in the works. Understood in its traditional sense of offensively flattering or insincere, fulsome has decidedly negative connotations. But in recent years, fulsome has picked up the more complimentary meaning of full, generous, or abundant. So is one definition more correct or appropriate than the other?Guardian Style (2007), the usage guide for writers on Englands Guardian newspaper, describes fulsome as another example of a word that is almost never used correctly. The adjective means cloying, excessive, disgusting by excess, says editor David Marsh, and is not, as some appear to believe, a clever word for full.Nevertheless, both senses of the word appear regularly in the pages of the Guardian- and just about everywhere else. Tributes, praise, and apologies are often characterized as fulsome without a hint of sarcasm or ill will. But in a book review for The Independent in which Jan Morris described the mistress of Lord Nelson as grotesque, obese and fulsome, we sense she had in mind the older meaning of the word. Having it both ways can lead to confusion. When an economics reporter for Time magazine recalls fulsome times, does he simply mean a prosperous era or is he passing judgment on an age of self-indulgent excess? As for the New York Times writer who gushed over a building with great banks of metal windows, set in a rich screen of glazed terra cotta, particularly fulsome on the second floor, exactly what he meant is anybodys guess. Unraveling the Meaning of Raveling If the verb  unravel means to unknot, unscramble, or untangle, its only logical to assume that ravel must mean the opposite- to tangle or complicate. Right?Well, yes and no. You see, ravel is both an antonym and a synonym for unravel. Derived from the Dutch word for a loose thread, ravel can mean either to tangle or untangle, to complicate or clarify. That makes ravel an example of a Janus word- a word (like sanction or wear) that has opposite or contradictory meanings.And that probably helps to explain why ravel is so rarely used: you never know if its coming together or falling apart. Perusing a New Janus Word Another Janus word is the verb  peruse. Since the Middle Ages, peruse has meant to read or examine, usually with great care: perusing a document means studying it carefully. Then a funny thing happened. Some people starting using peruse as a synonym for skim or scan or read quickly- the opposite of its traditional meaning. Most editors still reject this novel usage, dismissing it (in Henry Fowlers phrase) as a slipshod extension- that is, stretching a word beyond its conventional meanings.But keep an eye on your dictionary, for as weve seen, this is one of the ways in which language changes. If enough people continue to stretch the meaning of peruse, the inverted definition may eventually supplant the traditional one. A Plethora of Piatas In this scene from the 1986 film  ¡Three Amigos!,  the villainous character El Guapo is talking with Jefe, his right-hand man: Jefe: I have put many beautiful pià ±atas in the storeroom, each of them filled with little surprises.El Guapo: Many pià ±atas?Jefe: Oh yes, many!El Guapo: Would you say I have a plethora of pià ±atas?Jefe: A what?El Guapo: A plethora.Jefe: Oh yes, you have a plethora.El Guapo: Jefe, what is a plethora?Jefe: Why, El Guapo?El Guapo: Well, you told me I have a plethora. And I just would like to know if you know what a plethora is. I would not like to think that a person would tell someone he has a plethora, and then find out that that person has no idea what it means to have a plethora.Jefe: Forgive me, El Guapo. I know that I, Jefe, do not have your superior intellect and education. But could it be that once again, you are angry at something else, and are looking to take it out on me?(Tony Plana and Alfonso Arau as Jefe and El Guapo in  ¡Three Amigos!, 1986) Regardless of his motive, El Guapo asks a fair question: just what is a plethora? As it turns out, this Greek and Latin hand-me-down is an example of a word that has undergone amelioration- that is, an upgrade in meaning from a negative sense to a neutral or favorable connotation. At one time plethora meant an overabundance or unhealthy excess of something (too many pià ±atas). Now its commonly used as a non-judgmental synonym for a large quantity (a lot of pià ±atas).

Interest in Vanguard Accelerated Development Program Personal Statement

Interest in Vanguard Accelerated Development Program - Personal Statement Example only to get an understanding of Vanguard’s leadership philosophy but also to continue its pursuit of excellence within the financial services industry. Although I am relatively new to the Vanguard Investment Services, but I have had the opportunity to demonstrate my ability to learn, adapt, and communicate effectively with clients. At present, I am working as a Corporate Staff Accountant at Education Corporation of America (ECA) where some of my job responsibilities include performing account reconciliations, preparing monthly financial statements, and reviewing the accounting reports. I have also worked as a Human Resource Recruiter at Abae Personnel Services Inc. Both of these jobs have helped me gain valuable experience that I require to progress in my professional life. I want to have an excellent professional record, which could help me attain the heights of success in my life. I am willing to do whatever it takes to make it. An important point, which I want to mention, is that relocation is not an issue for me when it comes to advancing in my career. I am sending this statement of purpose to get an opportunity to join the Vanguard Accelerated Development Program and maximize my skill set, experiences and knowledge. I am hopeful of getting an interview

Is One Experience Enough Essay Example | Topics and Well Written Essays - 1000 words

Is One Experience Enough - Essay Example The American population is a mixture of different people from all over the world, the country thus enjoys a rich cultural background, thus capable of accommodating any other new citizen as the essay below posits. The U. S is among the countries with one of the most liberal structures in the world. The county has a vigilant civil group that monitors and criticizes the activities of the government with the view of creating a constitutional environment. This way, the pressure groups ensure that the country maintains a high level of constitutionalism and the government respects and safeguards the interests and rights of every citizen. The American constitution protects the rights of every citizen from whichever background. The country is among the first countries to protect the rights and privileges of the gays and lesbians. The controversial move to embrace the sexually misconstrued group sought to offer a liberal society in which everyone enjoys a degree of freedom regardless of their sexual orientations. Several nations globally do not recognize the group, in fact some countries both in the developed and developing economies still shuns the rare sexual connotations thus compelling the homosexuals to live in fear and secrecy. With the view of respecting and protecting human integrity, the American government through its vigilant citizenship and dynamic constitutionalism sought to incorporate the rights and privileges of every citizen including the homosexuals. Currently, the country is a safe haven for thousands of homosexuals from different countries through out of such countries due to the unnatural nature of their sexual orientation. The American society does not consider the sexuality among other personal issues of an individual; people in the society interact on personal levels without the investigation of private issues. This way, the American

Security Policy ATM

Security Policy ATM The purpose of this document is to define a security policy for Bank H. This policy covers. This comprehensive policy is intended to cover all aspects of information security relating to Bank H ATM machines including: installation, maintenance, and operation ATM machines and network, employee responsibilities, ramifications for customers, and the security of ATM transactions. This document is divided into three sections, each covering a key facet of information security: Organizational Policy Issue-Specific Policy System Specific Policy Organizational Policy Information security is a prime concern at Bank H. much of our information is critical in nature and must be protected not only for our own sake, but for our customers and to comply with government regulations. This makes it the responsibility of every employee of Bank H to comply with the policies established in these policies. Program Responsibility The Chief Information Security Officer has the prime responsibility for establishing and enforcing the procedures necessary for the protection of information. This person reports directly to the Chief Executive Officer and Board of Directors. A security oversight committee will also be formed consisting of the Chief Information Officer, Chief Financial Office, Chief Information Security Officer and other representatives as seen fit. This committee will meet at least quarterly to review security procedures and recommend appropriate updates. The Chief Information Security Office will be responsible for the establishment, implementation, and enforcement of information security policies on a day to day basis. Enforcement All employees of Bank H are required to adhere to the policies contained in this document. Any infringements of this policy will result in disciplinary action up to an including termination and legal action. Each employee will be required to review and sign a document indicating that he or she has reviewed and understood these policies upon hire and as part of the annual employee review process. Any employee who suspects a breach of these policies is required to immediately report the breach to his or her direct supervisor. If that is not possible, then the employee may contact the office of the Chief Information Security Officer directly. Failure to report breaches may result in disciplinary action as specified under these policies. Government Regulations The mandate for a comprehensive information security policy comes from many sources. Of foremost importance is Bank Hs concern for it employees, customers, and information assets. Additionally, due diligence is required by many overseeing government agencies. Title 12, chapter II of the Code of Federal Regulations from the Federal Reserve Board defines security policies that must be followed by banks to ensure compliance with the Bank Secrecy Act and the Bank Security Act (Regulation H: Membership of State Banking Institutions in the Federal Reserve System). Part 326 of the Federal Deposit Insurance Corporation also details minimum security requirements for banks including: Designation of a security officer Implementation of a security program Annual reporting requirements (Part 326—Minimum Security Devices and Procedures and Bank Secrecy Act) Therefore, a main goal of this document is to establish and define a security program that meets the requirements of these and other regulatory agencies. Issue-Specific Policy The key issues that arise when considering our overall information security plan involve protecting our customers, employees, and assets. Three additional issues that must be considered are risk management, disaster recovery, and training, which all work together to support our overall goals for establishing these policies. Protecting Our Customers Whereas ATM machines provide a valuable service to our customers, it is incumbent upon Bank H to take all reasonable steps to insure the security and safety of their assets, personal information, and physical security while they are conducting transactions at a Bank H ATM machine. Regulations in the USA Patriot Act place specific requirements on banks regarding the information that customers must provide in order to open and account (Office of Thrift Supervision Staff Summary of USA Patriot Act.). Furthermore, the Sarbanes-Oxley Act of 2002 places certain legal requirements on Bank H regarding the protection of sensitive information customer information (Public Law 107-204 107th Congress). Procedures below will detail necessary practices for protecting our customers including: ATM location and physical environment Authentication and verification of identity Protection of private customer information Protecting Our Employees In a real sense, establishing good security policies will protect our employees and help to insulate them from the daily risks of dealing high volumes of money and sensitive information. By clearly outlining security policies and procedures, all employees will have clear guidelines to follow to protect themselves and the assets they come into contact with. Clearly defined control procedures protect both our assets and our employees from accidental or intentional loss. A clearly defined security policy also establishes a legal standard of informed consent which is a judicial requirement that has been established by legal precedent. This document will establish procedures specific to our employees and their interactions with ATMs including: Contact with sensitive information Contact with money and other cash instruments Access to ATM equipment Protecting Our Assets Information, like money, is a valuable asset that must be protected from theft, destruction, and unauthorized access. ATMs represent a unique exposure to risk since they are often installed in locations that are outside the physical perimeter of the banks facilities. Extra precautions must be taken to protect external ATMs and ATMS located at other facilities since they will often be unattended. This policy will establish procedures to protect ATMs including: ATM Locations Environmental guidelines Minimum hardware security issues Data transmission, storage and encryption Risk Management Risk management is one of the first lines of defense in the effort to protect our customers, employees, and assets. Although the details of risk management fall outside the scope of this document, basic risk protection guidelines will be established by the Security Oversight Commission and a senior representative from risk management will be on that committee. In general, it is important that all reasonable steps will be taken to insure the company and customer assets including: FDIC insurance covering customer deposits Applicable insurance to protect ATM equipment Applicable liability coverage Disaster Recovery The ability to recover from natural and man-made disasters is an essential component of any security program. It is not the intent of the policy to create a comprehensive disaster recovery plan for the company. However, issues related to disaster recovery will be covered as applicable to ATMs including: Recovery of information and assets from equipment involved in an accident or disaster that renders the equipment inaccessible or damages or destroys the equipment Planning to mitigate the loss caused by such events Restoration of service, where applicable Training and Awareness All employees are required to attend security awareness training sessions to be coordinated and conducted by the Chief Information Security Officer a minimum of once a year. These sessions will be designed to educate employees of their responsibilities. Topics will include: Education on new and existing policies and procedures Practical training on tools and technology Awareness training on risks and mitigation System Specific Policy Special consideration must be used in protecting the systems that support our ATMs and data networks. As technology changes, so will the challenges and tools available for the security of these systems. Therefore, these policies should be reviewed on a quarterly basis and updated as necessary. ATM Machines ATMs form the core systems covered by these policies. Since many ATMs are outside the physical protection of our facilities, special care must be taken to protect them. Policies must be implemented to deal with these unique systems including: Money control procedures Technology to monitor ATMs against tampering and abuse Best-practices for installation and maintenance of ATMs Networks Data networks are necessary components of an ATM system and in some cases the most vulnerable. Therefore, all due care must be taken to insure the integrity, reliability, and security of our networks. Policies must be established regarding: Network installation and maintenance Network monitoring Network protocols and standards The use of encryption Section 2 Security Systems As the field of information security has matured, several recognized standards have evolved. Following these standards help to insure the development of comprehensive and effective security policies. A key concept in information protection is the concept of security systems. Security systems are domains of protection that establish the best practices. Our policies will be developed to cover each of these domains as appropriate. Confidentiality Confidentiality protects information from disclosure or exposure to unauthorized agents. Confidential information must be clearly indentified and reasonable steps must be taken to maintain its confidentiality. The following policies relate to confidentiality in the context of Bank H ATM security: Information will be classification so that confidential information can be identified and protected. Measures will be taken to protect confidential information in both physical and electronic form. The confidentiality of customer information is of prime importance. The confidentiality of personal employee information will also be protected. Integrity Integrity insures that information is kept in its original state and does not become corrupted at any point in the system. Systems must be implemented to protect assets from both intentional and unintentional corruption. The following policies relate to integrity in the context of Bank H ATM security: Error-checking data protocols will be used to insure the integrity of information in electronic form. Proper control procedures will be used in the handling and transport of information in physical media. Backup and archival policies will be constructed so that information may be re-created in the event of loss. All hardware and software will be maintained to insure the highest level of integrity when working with our data. Availability In order to be useful, assets must be available to those authorized to access. Some security risks are designed to block access to information and other assets. Policies that support availability include: Systems connected to external networks will have software and hardware to protect them against denial of service attacks. Disaster recovery plans will be developed and tested to insure the quick recovery of operations in the event of a disaster. ATMs will be located in areas that are accessible and convenient while appropriate measures are taken to secure them. Access control One of the first lines of defense is to limit access to an asset to authorized personnel only. This starts with locking the door and may include other devices and techniques to control access. Examples of access control include: Locked areas will be used as appropriate and policies will be developed to manage keys and access codes. The use of automated access cards or key-code locks will be used as appropriate to limit access to authorized personnel. The use of usernames, passwords, and other methods will be used to limit computer system access. Keys, codes, and other information relating to access to ATMs will be closely managed. Non-repudiation Accountability is the final key to a good security system. A clear and authentic trail of ownership and access to information and other assets must be established and maintained at all times. Examples of policies designed to enforce non-repudiation are: Fingerprints will be used to irrefutabley identify parties, as appropriate, when dealing with information in physical media. Digital certificates and digital signatures will be used to add irrefutable identification to electronic information as appropriate. Section 3 Standards The following standards have been established as minimum set of requrements that must be met in order to insure our security and protection of our assets. Compliance with these standards in mandatory at all levels. Any exceptions must be cleared in writing by the Chief Information Security Officer with the agreement of the Security Oversight Committee. Employees Before hire, all employees will sign a release document authorizing the company to perform or contract with a third party to perform a background investigation. Employees will be required to present a verified set of fingerprints which will be sent to appropriate law enforcement agencies for a criminal background check. Potential candidates who do not pass such background checks or fail to submit to them will not be considered for employment. All employees, upon hire, will be required to review and sign the following documents: A non-disclosure agreement stating that they will not disclose company information to third parties. An information confidentiality policy describing the banks information classification system and the handling of information at each level. A privacy statement informing the employee that their personal information will be held as company confidential and will not be released to third parties except as required by law. An accepted use of company resourced policy which clearly explains that all company equipment and resources, including information and service, are wholly owned by Bank H. Employees may not use any company equipment or resources for personal use. Upon hire, each employee will be issued a photo id card. This card must be displayed at all times while on company premises. When an employee leaves the company for any reason, the following procedures are to be followed: Whether the termination was for voluntary or involuntary reasons, employees will not be allowed to stay on the premises. The standard 2 week notice will be foregone and the employee will be expected to depart the premises on the same day. Any compensation due will be determined by human resource policy. Before leaving the premises, employees will conduct an exit interview. During this time the employee will reveal or return any access instruments that are outstanding in their file. Access to all computer systems or any other system that was granted to the employee will be immediately removed. Customers A valid government ID and social security card must be presented by all bank customers before an account of any kind can be opened. Copies of these documents will be made and kept on file in a secure manner. Potential customers must be cleared using industry appropriate services to insure that they are free and clear form obligations to other financial institutions before they will be allowed to establish and account. Each customer will be issued a secret Personal Identification Number (PIN) at the time they open an account. The PIN must be created using a system either randomly generates a PIN that is only known to the customer or allows the customer to enter the PIN without the revealing it to the bank employees. PINs will be immediately encrypted. At not time will a PIN be stored or transmitted in an unencrypted form. ATM cards will clearly show the full name of the customer, their card number, and a clear expiration date. ATM cards and any corresponding PIN shall not be mailed or otherwise transmitted within the same document or package. Upon closing their account, customers will return any ATM Cards in their possession. All ATM cards will be immediately disabled. Customers will be required to read and sign a document that explains their obligations for ensuring the security of their ATM cards and transactions. At a minimum, customers must agree to: Take reasonable steps to ensure that the ATM card issued to them is kept secure Notify the bank as soon as they believe that an ATM card has been lost or stolen Not let anyone else user their ATM card Not reveal their PIN to anyone else Notify the bank if their PIN has become compromised. Non customers wishing to conduct business with the bank will be required to show a valid government issued ID and must leave a fingerprint on file, preferably on the document being transacted. Employee and customer areas will be clearly marked. Customer will not be allowed in employee areas. Physical Security All company facilities shall be secured, at a minimum by doors with manual locks. Doors shall remain locked during non-business hours and at any time the facility is not occupied. A log must be kept of keys, the number of copies that have been made, and who the keys have been distributed to. Records must also be kept of keys that are reported as lost and who was reported to be in possession of the key at the time it was lost. A log must be kept of electronic codes and door access cards including who such instruments have been distributed to. Records must also be kept of access cards that are reported as lost and who was reported to be in possession of the key at the time it was lost. Employees must notify security as soon as they believe that a key, access card, or lock access code has been compromised. All bank facilities that hold money and similar must be secured by an alarm system. Employees should have the ability to trigger such alarms without detection. All ATMs must be secured with alarm systems that are triggered by unauthorized tampering. All alarm systems must be tied directly to local authorities or a registered alarm service that monitors the alarm status at all times. Monetary Access Appropriate control procedures and accounting procedures must be adhered to when dealing with money. Any area in which money is handled, held, or transported must be under constant video surveillance. Any monetary transactions exceeding $1000 must be verified and witness by a second employee. Any monetary transactions exceeding $10000 must be continuously observed by an employee who is at a higher level than the employee completing the transaction. The transport of money outside the bank facility must be handled by an authorized armored transport service and escorted by qualified armed personnel. Information Classification All information, whether in physical or electronic form, shall be assigned an appropriate level of classification based on its sensitivity and criticality. Data shall be assigned a minimum of three levels of classification. Public this information is neither sensitive nor critical to the company, nor is there any legal requirement to protect it. Confidential this is information that is sensitive in nature and should not be reveled to the general public. This classification is further subdivided into two categories: Company Confidential this information is sensitive information related to bank. Customer Confidential this is private information that belongs to a customer and must be protected by law. Critical information that is not necessarily (but may be) confidential, but is nevertheless critical to the successful functioning of the bank. ATM Equipment ATMs that require external access must still be secured in such a way that any access panels are not visible and cannot be easily accessed. All ATM machines must be under constant video surveillance. All networks shall be protected by a hardware-based firewall and other hardware and software deemed appropriate. The banks internal network shall not be exposed to public networks such as the Internet. All data transmitted via a network must be encrypted to prevent exposure to unauthorized tapping. Data protocols must be in place to validate that data is both transmitted and received in its original form. Data that does not pass validation should be rejected and logged. Network security software must be installed that constantly monitors the network for patterns and signs of attempted or actual unauthorized access. Activity that represents a threat must trigger an alarm to appropriate agencies and personnel. The daily stocking and removal of cash to and from an ATM shall be done in adherence to policies in section regarding the handling of cash detailed above. Each ATM shall use a PIN encryption device that encrypts and stores the information in a secure manner. Hardware must be implemented monitor, analyze, and authenticate any external source attempting to connect to the ATM. Unauthorized attempts must be logged and reported immediately to the monitoring agency. ATMs shall be connected to a monitoring system that automatically tracks the status of the ATM. The ATM should be configured with software that can log and securely transmit information about usage for external profiling to detect potential attacks. All ATMs must be under continual video surveillance as detailed in section 2.3 above. At no time will the customers PIN, account number, or other confidential information be displayed on the screen or any receipt. Networks All networks shall be protected by a hardware-based firewall and other hardware and software deemed appropriate. All data transmitted via a network must be encrypted to prevent exposure to unauthorized tapping. Section 4 Practices, Procedures and Guidelines This section defines the practices and procedures for the day to day operations of the company. These represent a set of guidelines which allow managers to perform their duties with due diligence, while also offering flexibility and adaptability for various environments and situations. Any questions about interpretation should be addressed the office of the Chief Information Security Officer. Employees Employees may, as appropriate, be issued certain instruments or information that allows them to access restricted areas or information. Upon receipt of any such instrument, the employee will sign a document verifying their receipt and agreeing to release the instrument back to the company when their job no longer requires it or upon termination. Instruments of this nature include, but are not limited to: ID Cards Access cards Access codes including usernames, passwords, Pins, and codes to electronic locks. Keys Customers Customers should read and sign a privacy notice informing them that their personal and financial information will be protected and not revealed to any third party except where required by law. Customers should be given a pamphlet that explains how to safely and securely use their ATM card online and at ATM machines. Physical Security The same procedures detailed in section 3.3 should be implemented for padlocks or other portable locking devices and keys to them. Doors that required access by more than 5 people should be considered for electronic access. Security officers should be present at all facilities that hold money and similar instruments during business hours. After hours, arrangements for surveillance and patrol should be implemented as appropriate. Prominent security cameras should be located both inside and outside all facilities that hold money or related instruments. These cameras should be linked to a system that records their images at all times. Computer Access In general, computers used for bank business should not be connected to the Internet. Computers that require connection to the Internet should not also be connected to the Banks internal network. Software that monitors and controls Internet activity should be used on computers connected to the Internet. The following guidelines should be used for password security: Passwords should be changed at a minimum of every 30 days. Passwords should not be reused. Passwords should contain a minimum of one number and one character and must be at least eight characters in length. Monetary Access Appropriate control procedures and accounting procedures must be adhered to when dealing with money. Any area in which money is handled, held, or transported must be under constant video surveillance. Any monetary transactions exceeding $1000 must be verified and witness by a second employee. Any monetary transactions exceeding $10000 must be continuously observed by an employee who is at a higher level than the employee completing the transaction. The transport of money outside the bank facility must be handled by an authorized armored transport service and escorted by qualified armed personnel. Information Classification Additional levels of information classification may be assigned as appropriate. All information that is considered confidential should be clearly labeled as such. Electronic confidential information should be stored in an encrypted form at all times. Physical media that is confidential should be secured in a locked location at all times. Information that is critical should be backed up an archived on a regular basis. ATM Equipment ATMs should be located inside of an existing bank facility when possible. ATMs should be installed in a well-lit area with open access. Keys and other devices that allow access to ATMs must be kept under tight security and are subject to regulations specified under section ATMs should be installed by authorized vendors who have been screened and are bonded. Records of all persons involved in the installation will be kept and archived. All vendors should supply documentation showing that the persons performing the installation have successfully passed a background check including a criminal background investigation. A schedule of preventive maintenance should be created to insure the correct functioning of all ATMs. Maintenance shall be performed only by qualified individuals. Records of maintenance should be kept including the date of the maintenance, what was done, and who performed the maintenance. These records shall be considered company confidential. Systems should be in place to prevent the tampering of ATMs or tampering with their information. ATMs should incorporate and audible alarm that is triggered by any sign of trouble. The ATMs internal software should be capable of sending alarms to the appropriate agency when the ATM is in need of service. ATMs should be secured to an immoveable foundation. The internal safe that contains the money should be manufactured, tested and rated for strength and resistance to attacks. Internal components should be protected in such a way that a single individual cannot gain access. This insures that at least two people are present with separate access codes and/or keys in order to gain access to the ATM. Mirrors should be installed to allow customers to see their surroundings while they are transacting at an ATM, but not allow others to see what they are doing. The keypad and screen of the ATM should be located in such a way that the customers body naturally blocks the keypad when it is being used. ATM usage should be monitored and analyzed to insure that each ATM is appropriately stocked with cash to meet customer demands. Networks The banks internal network should not be exposed to public networks such as the Internet. Data protocols should be in place to validate that data is both transmitted and received in its original form. Data that does not pass validation should be rejected and logged. Network security software should be installed that constantly monitors the network for patterns and signs of attempted or actual unauthorized access. Activity that represents a threat must trigger an alarm to appropriate agencies and personnel. Bibliography The following resources were used as reference material for the preparation of this document. Office of Thrift Supervision Staff Summary of USA Patriot Act. Department of Treasury. 20

Cuba: Then and Now Essay -- Comparison Contrast Government Politics P

Cuba: Then and Now In the Treaty of Paris of 1898, Spain relinquished all sovereignty over Cuba. For a time, the policy of the United States toward Cuba was somewhat ambivalent. The Teller Amendment at the beginning of the Spanish-American War had pledged the restoration of Cuba to the Cubans. However, at the same time the United States was determined that it would not be placed after the war with Spain in a worse position in regard to its vital interests in Cuba than it had been when Cuba was a Spanish possession. The two men most closely associated with the U.S. relationship and administration of Cuba were Elihu Root, Secretary of War, and Leonard Wood, Governor General of Cuba. At his Washington desk, Root spent considerable time keeping a sharp eye on the Cuban constitutional convention and directing the overall campaign.1 On the scene in Havana was Doctor Leonard Wood who had gone there as commander of the Rough Riders in 1898. His first major administrative task in Cuba after the war was in Santiago province where the death rate was two hundred a day, and the filth was terrible. After burning the dead bodies in town, he curtailed the inflation and cleaned up the refuse. In addition, Wood saw that jails were inspected and that schools were secularized. Because of his accomplishments in Santiago, he was appointed Governor General of Cuba on December 12, 1899. He kept the post until the formation of the Cuban Republic in 1902. Wood did well as governor of the â€Å"Pearl of the Antilles.† On September 7, the Chicago Record-Herald reported that Cuba was on the high road to more prosperous times than it had ever experienced. There was no distress among the population of 1,572,797 other than what might be found under... ...is point from 1901-34 aroused increasing bitterness, as Root’s interpretation was not followed. On May 29, 1934, it was abrogated by the United Sates. 11 Lyman Abbott, Reminiscences (Boston and New York: 1915), 438. 12 Congressional Record, 58 Cong., 2 sess., 3379; 180 U.S. 109 (1900). 13 New York Times, September 10, 1901, 5, c. 4. 14 Philip C. Jessup, Elihu Root (New York: 1938), I, 324. 15 Edmond Wood, â€Å"Can Cubans Govern Cuba?† The Forum, XXXII (September, 1901), 66-74. 16 Congressional Record, 56 Cong., 2 sess., 3344-45, 3348, 3375. 17 See above, 33-34. 18 New York Times, September 8, 1901, 3, c. 5. 19 Literary Digest: A Weekly Compendium of the Contemporaneous Thought of the World, XXIII (September 7, 1901), 274. 20 Nation: A Weekly Journal Devoted to Politics, Literature, Science and Art, (September 5, 1901), 180, c. 1.

Describe the various stages of the typical lifecycle of an individual in the UK today and identify the most relevant financial products that should be considered at each stage Essay

Describe the various stages of the typical lifecycle of an individual in the UK today and identify the most relevant financial products that should be considered at each stage To date, the interpretation of the concept of â€Å"life cycle of the individual† has a lot of variations. In this case, the main of them wearing in one degree or another echo of the financial and economic issues, is: – The sequence of qualitatively different stages of development of the organism. – Model income and consumption over the life. With regard to the first definition, then there also exists a certain gradation, which is the existence of several theories regarding the quantitative and qualitative characteristics of the stages of the life cycle. The most famous theory of division of the life cycle of an individual on the steps of the theory are researchers such as Alpheus Hyatt, Sullivan, Thomas S. Dalton, Randy B. Evans, and also such theory as of E. Erikson and Joel Martin. The most expedient and convenient to the financial context of the question is the theory of the division of the life cycle of an individual to a number of stages by Alpheus Hyatt. This theory is the basis for the division of the life cycle of an individual to 3 stages: formation, productive phase and effective step. Phase formation covers the time period from the moment of birth of the individual up to 25 – 32 years. This period is due to the formation of life basis, so on the first stage of the life cycle is the formation of the moral aspects of the personality, the initial accumulation of experience and the formation of an information foundation that actually affects the formation of a set of financial products most commonly consumed by the population of the United Kingdom in the future. Productive stage is the second stage in the life cycle of an individual, including an individual residing in the United Kingdom. This stage lasts from the end of the formation phase of up to 54 – 62 years. This cycle is considered to be working during it productively apply the knowledge and experience gained and accumulated during the formation phase. These years were marked by a high capacity for work and the desire to implement ideas and achieve their goals. Finally, the third stage of the life cycle – score is final. It extends from the end of the productive phase until the end of life. It was during this cycle; individuals are satisfied with the achievements and receive a reward for all his works and deeds, not only morally, but also in material terms. As for the second definition of the life cycle of the individual, in this case it should be noted that in the context of the problem, the latter is more rational in terms of financial and economic sense, and as the former requires more detailed consideration, but at the same time, the latter is specifies the elements of a continuation and development stages of the first definition, namely, its financial and economic sense. In this regard, it is worth noting that in the present world context of the above issue, it is a rational assumption that, as a rule, children who actually represent the first stage in the life cycle, live at the expense of their parents, if we talk about the first part of the first phase life cycle, namely up to 18 years, speaking about the citizens of the United Kingdom. In addition, the first stage of the life cycle, as well as generally achieved the highest level of consumption, which is due to a period of the early years of adulthood, and forcing a number of items to purchase household goods and parenting. Such financial and economic characteristics of the first period of the life cycle, flows smoothly into the second, but in the first case applies the highest consumption level in the second half stage , what concerns the productive phase of the life cycle, in this case, the highest consumption level in the first half of the spread phase. This model leads to a model of savings, which are usually small in the early years of adulthood, high in the period after the children have grown and become negative during retirement. Thus, the youth begins with low incomes (1th stage of the life cycle), which is gradually increased until it reaches middle age (the 2nd stage of the life cycle), and then the characteristic of income is the sharp decline stage (third stage of life cycle), due to retirement. Usually, the third stage of the life cycle as well due to the receipt of earned income and more (to the end of life), but usually in smaller amounts. Consequently, the assets of households tend to grow until retirement and a reduction thereafter. â€Å"Start† and whether the â€Å"finish† if in fact the assets at zero depends on how society relates to the question of inheritance: the majority of people, particularly those who living in the UK leave positive assets at the time of his death, if only because they do not know when it will happen. Also worth noting, and take into account when considering the life cycle of a typical person in the UK today, the fact that the life-cycle model of savings assumes that the distribution of assets will be uneven between households, even if their incomes and social positions within the same life cycle. Along with all the above, it should be noted that all life cycle stages listed above are typical for any individual residing in the territory of more and less economically developed countries in general, and for individuals residing in the territory particularly the United Kingdom. Considering the financial products as part of normal everyday life of individuals living in the United Kingdom in each of these stages of the life cycle, it should be noted that financial products are integral part of daily life. With regard to the factors described through the use of financial products throughout the life cycle of the individual resided in the UK to date, it should be noted that the most common financial products today are shares, loans, particularly mortgages, deposits, options, futures, swaps, those insurance some aspect of life and objects, as well as commodity contracts and interest rates. All of the above financial products individuals residing in the United Kingdom is used throughout the life cycle. At the same time, depending on the stage of the life cycle of an individual uses certain financial products, inherent to its needs relevant to this stage. At the first stage of the life cycle, so from birth to 25 – 32 years, United Kingdom for individuals most relevant is the use of such financial products, such as long-term and Short-term loans, particularly mortgages, compulsory insurance, in particular, Medical insurance, pension insurance and liability insurance, in addition, quite common in the above-mentioned period of the life cycle of an individual is the UK property insurance. At the second stage of the life cycle, so from 25 – 32 years and 54 – 62 years of the United Kingdom most individual relevance use financial products such as stocks, options, futures and swaps , as well as commodity contracts and interest rates. At the same time, so it should be noted that at this stage of life do not lose relevance and financial products such as compulsory insurance and property insurance, as well urgent to use life and health insurance. Thus, considering all of the above it should be noted that the second phase of the life cycle of an individual residing in the UK, today used the widest range of financial products than during other stages. The reason for this state of affairs is the fact that it was during the second stage of the life cycle, as a rule, most individuals who living in the UK reach a peak of career, have a family, get a certain amount of real estate and other property, as well as characterized by the highest level of wages for all life cycle. In the third stage of the life cycle, the most relevant financial products used by individuals of the United Kingdom are the deposits, most types of insurance, especially with regard to life insurance, as well as the most reliable stocks and other securities. As seen from the above, in the third stage of the life cycle most individuals are trying to best protect their use of financial products, reducing the risks to minimum that is logical, given that the reporting stage of the life cycle lasts from 54 – 62 years until his death. Analyzing the life cycle of an individual United Kingdom, as well it should be noted that the only financial product that is gaining relevance for UK citizens at the stage of formation, and does not lose so for productive and efficient life-cycle stages is insurance. In this case, depending on the stage of the life cycle are added only certain types of insurance and insurance objects. This situation is related not only to the existence of the United Kingdom of compulsory insurance, which in itself suggests the beginning of the use of insurance to meet individual age and continues until death, but also the factor that the whole life cycle of the individual accompanies a number of risks of varying complexity and specifically, these risks relate to most other financial products used by individuals throughout life. Of course, the actual separation of the above financial products for individuals residing in the United Kingdom is far from ambiguous, since it depends not only on the age group that falls under one or another individual, but also on other factors, for example such as the scope of activities, family status, presence of children, average salary, and others. For example, the likelihood that students will benefit from the mortgage insurance or property is extremely small, but if the stage of formation (in the second half of the stage) the individual is enrolled in higher educational institution (for example in postgraduate) has a wife and / or children, the probability of acquiring such individual mortgage and other long-term loans, as well as property insurance, increases dramatically. Along with this, there is an example of a large homeowner or just an entrepreneur and working diner, which are on the second stage of the life cycle. Range of financial products an individual representing the first and second class will be significantly different. For the first and most urgent is to use various tools to expand their existing business, by finding additional sources of joining the capital, one of which is the acquisition of commodity contracts, options, futures and swaps, as all of these financial products can not only increase the capital of the individual, but and to do this in the shortest possible period of time in comparison with other financial products. For an ordinary worker, all financial products relevant to a wealthy individual would not be as relevant for a given individual will acquire greater relevance compulsory insurance and the use of shares and promissory notes. However, at this graduation, presented earlier are the most widespread and the most relevant classification of financial products such individuals regarding the use of the United Kingdom. Reference List 1. Alpheus, H. (1902) Cycle in the life of the individual (Ontogeny) and in the evolution of its own group (Phylogeny).

Technology and Art Essay - 1275 Words

Technology and Art Many centuries ago, art was rendered inaccessible by the masses and was reserved for the few high society members who had the means of access to appreciate history in the making. Through the use of technology, art has been made hugely accessible by the ability to trade media forms, mainly through the Internet and other technological means. Much like the printing press was for literature with Gutenberg in 1445, technology has heightened art and moreover, the expression of it. Technology has enhanced art through the main use of graphics, both computer and animation, the communication of it, and musically it has enhanced the quality and distribution. It has launched us into the twenty-first century full†¦show more content†¦It has proved to be a very effective pipeline that has literally opened up new worlds for people in an internet cafà © in New York to see new art work that was produced in China. Technology, mostly the Internet in terms of communication, has broadened the world or more likely, shortened it to the point of just an internet address away from being literally almost anywhere in the world. Computer graphics have come a long way since the days of â€Å"Pong† and â€Å"Tetris† and has now been developed and advanced to an art form with the specific examples of Japanese Anime and Disney animation now becoming mainstreams. The computer rendering also has come a long way as evident in the new blockbuster movies â€Å" Blade II† and â€Å"The Matrix†, and the soon to be released â€Å"Spider-Man† where it seems as though the human actors are meshed with animation tidbits and the characters can be made to be seen as literally flying or partaking in acts of seemingly superhuman feats. The movies’ stories don’t differ much from the old superheroic movies like â€Å"Superman†. 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