World Health Organization Conflict of Interest

The Conflict’s Background information The reaction and guidelines of WHO (World Health Organization) in regard to the influenza pandemic, have not been impacted on improperly, as far as the pharmaceutical industry is concerned. WHO was deeply concerned about the conflict of interest’ accusations. Moreover, the organization is contented with its independence in the pandemic’s decision- making.Advertising We will write a custom essay sample on World Health Organization Conflict of Interest specifically for you for only $16.05 $11/page Learn More WHO was accused of developing pandemics which were not genuine, with the intention of attracting economic gain. The conflict was institutionalized because the actors adhered to a particular pattern of rules, had a foreseeable behavior, and their relationship continued after solving the predicament. These allegations resulted to conflicts within the organization. Consequently, the various depart ments had to get in action and assess the pandemic. Laboratory analyses were conducted, and clinical and epidemiological information obtained from Canada, US, and Mexico. Initially, the reports obtained did not indicate a pandemic. The departments had to work hand- in- hand in the assessment of the pandemic. Later, infections with influenza were evident in one hundred and twenty nations. This proved that the pandemic was real. The accusation that WHO was faking pandemics to gain finances was declared irresponsible and wrong. Consequently, WHO publicized how it utilizes advisory bodies in response to the influenza pandemic. The conflict at WHO did not have features of conflict of values. All the departments were focused on solving the predicament, for the sake of the organization. The various departments did not fight over ideologies and values. Considering that all the departments were dedicated for a common and preferred goal, they kept their focus and did not experience a goal con flict. In my opinion, the organizational conflict at WHO was not a nonrealistic versus realistic conflict. Analysis of the Problem and Justification Conflicts are classified depending on the factors that lead to their start. There are several causes of conflicts. Using this criterion to classify conflicts leads to a better comprehension of their implications and nature. The conflict at WHO is characteristic of a retributive conflict. The departments at WHO opted for a draw- out strategy, in order to prove the opponents wrong. The conflict is also characteristic of a misattributed conflict, where WHO was accused of faking the pandemic to gain financial benefits. During the conflict, the conflicting parties were responsible, and did not direct their grievances to social entities. The departments within the organization took their roles keenly in establishing whether the pandemic was real. While solving the conflict, WHO never reached a point where the department’s emotions and feelings were incompatible.Advertising Looking for essay on health medicine? Let's see if we can help you! Get your first paper with 15% OFF Learn More Moreover, the features of substantive conflict were identified in the WHO case. The various departments worked together with a common goal, and did not argue over their role. The WHO organizational conflict had no features of conflict of interest. The available resources were all dedicated to establishing whether the allegations against the organization were genuine. Four Levels Explaining the Conflict Best There are various levels of conflict analysis. The four levels that explain the conflict at WHO better are retributive, misattributed , interpersonal, organization, and community conflict. The various departments had to work under pressure to establish whether there was influenza pandemic. The community was at risk and, hence, its involvement was essential. Finally, the organization was at risk. Its image would be t arnished if it did not prove the accusers were wrong. In the light of this discussion, it is recommendable that organizations should unite when faced with challenges, which prevents division. This essay on World Health Organization Conflict of Interest was written and submitted by user All1e to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Differences (The Woman Warrior) essays

Differences (The Woman Warrior) essays Through out the years, society has portrayed certain individuals to have an effective and positive role in ones upbringing. In Maxine Hong Kingstons The Woman Warrior, Brave Orchid has had an effective and positive role in her daughters upbringing. However, at the time it seems she is heartless and full of hate toward her daughter; it is merely nothing but tough love. Deep within herself she knows her daughter will succeed very much in life as she once did. Yet she can not let her know, due to her Chinese upbringing because, Thats what Chinese say. We like to say the opposite (203). Yet, due to her tough upbringing she is perhaps the most influential role model towards all of her kids, teaching them though Chinese women are only taught to be wives or slaves someday, they to can be very strong not only emotionally and physically, but also intellectually and successfully, just like Brave Orchid once was. Brave Orchid and Little Dog never see eye to eye, never agreeing with each others differences and different cultures, one raised with Chinese cultures and values the other is very much accustomed to her new American values, and traditions. Little Dog, is rose as a Chinese-American, trying to see life from both perspectives, never understanding the reason why her Mother does certain things, or raises her children differently than others. Unlike her Mother Brave Orchid, who lives her life accustomed to her values and Chinese traditions, never understanding her daughters rude behavior, and impoliteness towards adults, and not understanding her strange American behavior. Thus, is why Mother s are causes due to the lack of information Little Dog is taught by her Mother about her Chinese culture. However, though there was a lot of tension and hostility between the two through out the story; Brave Orchid...

Motives for Murder in Edgar Allan Poes The Black Cat

Motives for Murder in Edgar Allan Poes The Black Cat The Black Cat  shares many characteristics with Edgar Allan Poes The Tell-Tale Heart: an unreliable narrator, a brutal and inexplicable murder (two, actually), and a murderer whose arrogance leads to his downfall. Both stories were originally published in 1843, and both have been widely adapted for theater, radio, television, and film. For us, neither story satisfactorily explains the murderers motives. Yet, unlike The Tell-Tale Heart, The Black Cat makes extensive attempts to do so, which makes it a thought-provoking (if somewhat unfocused) story. Alcoholism One explanation that comes up early in the story is alcoholism. The narrator refers to the Fiend Intemperance and talks about how drinking changed his formerly gentle demeanor. And its true that during many of the violent events of the story, hes drunk or drinking. However, we  cant help but notice that even though he isnt drunk as hes telling the story, he still shows no remorse. That is, his attitude on the night before his execution isnt very different from his attitude during the other events of the story. Drunk or sober, hes not a likable guy. The Devil Another explanation the story offers is something along the lines of the devil made me do it. The story contains references to the superstition that black cats are really witches, and the first black cat is inauspiciously named Pluto, the same name as the Greek god of the underworld. The narrator deflects blame for his actions by calling the second cat the hideous beast whose craft had seduced me into murder. But even if we grant that this second cat, who appears mysteriously and on whose chest a gallows seems to form, is somehow bewitched, it still doesnt provide a motive for the murder of the first cat. Perverseness A third possible motive has to do with what the narrator calls the spirit of PERVERSENESS- the desire to do something wrong precisely because you know its wrong. The narrator posits that its human nature to experience this unfathomable longing of the soul to vex itself- to offer violence to its own nature- to do wrong for the wrongs sake only. If you agree with him that humans are drawn to break the law just because its the law, then perhaps the explanation of perverseness will satisfy you. But were  not convinced, so we continue to find it unfathomable not that humans are drawn to do wrong for wrongs sake (because were not sure they are), but that this particular character is drawn to it (because he certainly seems to be).    Resistance to Affection It seems to me that the narrator offers a smorgasbord of possible motives partly because he has no idea what his motives are. And we  think the reason he has no idea of his motives is that hes looking in the wrong place. Hes obsessed with cats, but really, this is a story about the murder of a human. The narrators wife is undeveloped and virtually invisible in this story. We know that she loves animals, just as the narrator supposedly does. We know that he offer[s] her personal violence and that she is subject to his ungovernable outbursts. He refers to her as his uncomplaining wife, and in fact, she doesnt even make a sound when he murders her! Through it all, she is unfailingly loyal to him, much like the cats. And he cant stand it. Just as he is disgusted and annoyed by the second black cats loyalty, we  think he is repulsed by his wifes steadfastness. He wants to believe that that level of affection is possible only from animals: There is something in the unselfish and self-sacrificing love of a brute, which goes directly to the heart of him who has frequent occasion to test the paltry friendship and gossamer fidelity of mere Man. But he himself is not up to the challenge of loving another human being, and when faced with her loyalty, he recoils. Only when both cat and wife are gone does the narrator sleep well, embracing his status as a freeman and looking upon [his] future felicity as secured. He wants to escape from police detection, of course, but also from having to experience any real emotions, regardless of the tenderness, he brags he once possessed.

Curriculum Foundations Research Paper Example | Topics and Well Written Essays - 1750 words

Curriculum Foundations - Research Paper Example The first part is to cover all the important events up to the end of the civil war while the second part to proceed with all the reconstructions through to the present. It aims and overcoming all the shortcomings of the old curriculum and ensure that students can effectively, understand and appreciate our heritage and the manner the country evolved. In this way, they will gain a better understanding of the current problems we face and develop a good strategy on how we should move to make the most desirable changes. This will be targeting all the elementary schools, the junior high schools and the high schools of Mesa Unified School District, Arizona. Firstly, the new curriculum aims at aligning with the standards set by the state, which is one of the major requirements since the curriculum must be compatible with the guidelines set by both the state and the federal government. Each instructor will be capable of measuring the standards of their lessons to ensure that the students get the right content effectively. Secondly, the curriculum aims at providing a detailed explanation of the significance of one historical occasion relative to the other events. This is to enlighten them to understand how one event contributed and shaped the occurrence of the other. Thirdly, it also intends to impart the required critical as well as creative thinking abilities as the students move to college to critically anslyse the events and make meaningful judgements. Lastly, the curriculum aims at ensuring that students can clearly understand how the past events shaped our present status and make excellent plans for our future. Although it is the oldest approach of all the existing approaches to curiculum development, the behavioral approach is the most relevant one to employ. The approach, according to Ornstein and Hunkins (2009) will pave the way for the specification of the goals as well as the objectives of the curriculum that we clearly, understand. The approach also

Budgiting db3 Essay Example | Topics and Well Written Essays - 250 words

Budgiting db3 - Essay Example The important aspects will help finalize the budget by implementing the budget styles as well as developing alternative strategies and systems for delivering the business products. The last thing to draw is the budget. The other important aspect is obviously a report of the revenues thus expenditure of the past accounting periods in the industry (Kerzner 2003). The following are circumstances that may lead to the need of a contingent budget. An increase in the prices for raw material together with the inadequate productivity due to unused capacity causes an increase in the operating costs. The stock out costs, lead time costs, and even reduced production leads to market loss. The inadequate capital or access to capital finances calls for unexpected costs. When the firm is operating a risk appetite policy, the ascertained costs will act as the contingent budget elements as well as determine the level of contingent budget. The other instance is about labor and entrepreneurial factor inputs. When there is inadequate monitoring of the firm’s innovation and cash flow, as well as the inadequate labor, the firm unexpected costs such as labor turnover costs, high liquidity, and reduced production capacity rises. Where there is technology advancement rendering existing technology obsolete, thus replacement costs have to be incurred, especially to maintain the competitive edge in the service industry. The main costs lie on the occurrence of immobility of some factors of production. Frederic & James (1983) laid out that some contingent costs are uncertain, but occurrence can be determined statistically thus contingent budgeting The contingent budget runs on the best practices of budgeting, where thorough guidelines of budgeting form a basis for activity planning and timely reporting to responsible personnel. The budget serves contingent costs and liabilities involving the whole organization. Using modern management practices makes the manager abandon the set budgets.

Education Policy In Bangladesh Essay Example for Free

Education Policy In Bangladesh Essay Introduction â€Å"Insurance is a way of protecting against these financial losses†. â€Å"General insurance or non-life insurance policies, including automobile and homeowners Policies provide payments depending on the loss from a particular financial event†. Anyone who owns an asset can buy insurance to protect it against losses due to fire or theft And so on. Each one of us can insure our and our dependents’ health and well being through hospitalization and personal accident policies. In this report we tried to show that how general insurance business operates in Bangladesh how important it is for economy what types of problem it faces in our country. Objective of the Study Primary objective The main objective of the study is to know how the insurance business works in our country. Secondary objective: The case study has the following objectives: To know about the insurance company (Based on three insurance companies.) To know about general insurance its classification. Company Overview Green Delta Insurance Company Limited (GDIC) is one of the leading private non life insurance companies in Bangladesh. GDIC was incorporated in December 14, 1985 as a public limited company, under the Companies Act 1913.  Actual operations started on 1st January 1986, with a paid up capital of BDT 30.00 million. Now, Green Delta Insurance Company Ltd. is amassed about BDT 637.875 million with a credit rating of AA1 and ST1. GDIC holds the proud distinction of being the first ever company to raise its paid up capital to such a level. This is also the 1st Insurance Company in Bangladesh to have equity partnership with IFC. With a presence in the strategically important parts of the country, which includes 38 branches, Green Delta Insurance Company Ltd. has established its prominent presence with equity participation in Delta Brace Housing Ltd., Progressive Life Insurance Co Ltd, United Hospital Ltd. Fin Excel Ltd. and BD Venture Ltd. Green Delta Capital Ltd. and Green Delta Securitie s Ltd. are two of the direct subsidiaries. GDIC provides stock brokerage services through Green Delta Securities Ltd. (GDSL) and investment supports through Green Delta Capital Ltd. (GDCL). As a part of the recognition for the contribution in the development of the insurance industry and for maintaining the standard of service, the company has been considered as one of the top 500 companies according to the renowned Rating Agency, Dun Bradstreet Rate Agency of Bangladesh. The company has also been awarded with many national and international awards like –‘’ICAB National Awards’’ for Best Published Accounts, ICMAB Best Corporate Award in Insurance category, ‘‘Certificate of Merit’’ for the Best Presented Accounts Award in the category ‘Insurance Sector’ by the South Asian Federation of Accounts (SAFA), ‘‘International Quality Crown Award’’ by BID International in London, The BIZZ Award by World Business confederation of Business, USA for leadership, Excellence in a management, Quality and Marketing, ‘‘The Diamond Eye Award For Quality Excellence’’ by BID OTHERWAYS, The Platinum Technology Award for Quality Best trade name by Association Other Ways in Berlin, International Star Award for Leadership in quality in the Gold, Platinum and Diamond categories and many more. With the slogan â€Å"Marches with time† during the last 28 years GDIC has been helping people in their time of need; pulling out all the steps when needed, and has been proud to be a partner in progress. Our Vision Our vision is to mature into a sustainable, coherent organization, raise competitiveness to the highest level in the insurance industry, maintain  high profitability balanced quantitative growth and exceed customer’s expectations by offering legendary services, embrace a new corporate identity and creative corporate culture. Our Mission Our mission is to create shareholders value through customer’s satisfaction and employee’s commitment to excellence. Our Strength Constant pursuit of suitable strategies has made the company the leading insurer of Bangladesh for over two decades. Our Belief We believe that client must stand at the center of our all activities. We have the ability to optimally fulfill the client’s needs based on risk management with minimum cost and personalized services Finding: Products Services Corporate Risk Management Industrial All Risk Insurance including Machinery Insurance and Business Interruption Property All Risk Insurance including Business Interruption Electronic Equipments and Computer Insurance Professional Indemnity Insurance Comprehensive Machinery Insurance Comprehensive General Liability (CGL) Product Public Liability Insurance Directors and Officers Liability (DO) Fire and Allied Perils Insurance Marine Cargo and Hull Insurance Financial Cash-in-safe, Cash-in-transit Cash-on-counter Insurance Portfolio Cover Credit Card Indemnity Insurance Bankers Blanket Insurance Bank Lockers Insurance A.T.M. Booth Insurance Banc assurance Retail SME Fire and Allied Peril Insurance Marine Cargo and Hull Insurance Personal Accident Health Insurance Overseas Mediclaim Insurance Micro Insurance Micro Health Insurance Nibedita-Comprehensive Insurance Policy for Women Household Insurance Motor Insurance Peoples Personal Accident Policy Comprehensive Travel Insurance Conventional Aviation Insurance Automobile Insurance Workmen Compensation Insurance Miscellaneous Insurance Engineering Insurance (Erection all Risk, Contractors all Risk, Deterioration of Stock Boiler Pressure Vessel Insurance, business intemiption Crop Insurance Nlbedlta-Comprehensive Insurance Policy for Women Weather Index Based Insurance Investment Portfolio Management Underwriting Pre-IPO placement Syndication Trusteeship Green Delta Insurance is known for its innovation and services. Today ´s competitive insurance market is driving the market to think and Winovate now products and services and GDIC have been doing with its authentic. Beside the Traditional insurance portfolio GDIC introduced following personal line of products in last year and some them are in pipeline: Health Insurance Household Insurance Nibedita-Comprehensive Insurance Policy for Women Cellular Phone Contingency Insurance Weather Index Based Insurance Personal Accident Insurance Policy for Migrant workers It is matter of great pride that GDIC has introduced an insurance product first time ever in Bangladesh which is designed only for the females named as Nibedita-Comprehensive Insurance Policy for Women. GDIC has also designed first ever Weather Index Based Insurance for the farmers of Bangladesh which will be launched shortly. In Briefly Fire Insurance Basic cover: Fire Lightning Explosion(domestic) Damage during or immediately following Fire caused by – smoke, scorching, Falling walls, water used for extinguishing Fire, blowing up building for preventing Spread of fire. This coverage can be extended to include other perils by the additional premium; Riot, Strike Terrorism Storm, Flood Subsidence Landslide Aircraft damage Bursting or overflowing of tanks. Health Insurance The health policy provides for reimbursement of hospitalization/domiciliary hospitalization expenses for illness/disease suffered or accidental injury sustained during the policy period. Under this scheme the expenses for treatment in a hospital for an illness or injury are insured. It does not cover for any expenses in respect of domiciliary or outdoor treatment. Covers: Hospitalization due to accident or illness. Ancillary services like ICU/CCU room, post-operative room, blood transfusion, special investigations, etc. Labor room services. Intensive care facility. Oxygen therapy. Skilled nursing services. Blood transfusions. Ambulance services. Dressing while in confinement and test other than the routine investigations. Marine Insurance The oldest branch of insurance. Comprises: a. Cargo Insurance. b. Hull Insurance. Lloyd ´s is the famous world ´s Marine insurance market. Marine Insurance Act 1906. HULL INSURANCE Concerns the insurance of ships. Hull, machinery etc. CARGO INSURANCE Plays an important role in domestic trade as well as international trade. Provides insurance cover in respect of loss of or damage to goods during transit by –rail, -road -sea -air Burglary Insurance Scope of Cover Lost by burglary Housebreaking following upon an actual forcible and violent entry into or exit from the premises by the person or persons. Then the company will pay to the extent of such loss to the extent of the intrinsic value of the descriptive value of the insured. Exclusions: Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc. Uncover able property: Deeds, bonds, stamp collections, bank or currency. Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc Company overview Delta Life Insurance Co. Ltd. established mainly through the initiative of a group of Bangladeshi professionals then working abroad along with a few enthusiastic local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh allowed the private sector to operate in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief explanation as to the growth of life insurance business in Bangladesh is in order here. Bangladesh declared independence from the Pakistani rules on March 26, 1971 following which she had to witness a bloody liberation struggle with the occupation forces lasting for 9 months before they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to address the emerging situation of eroding public confidence in the industry that was left staggeringly short of resources in the face of huge losses caus ed by the war of liberation. After a series of experimentation, a state-owned body, namely Jiban Bima Corporation (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erstwhile private insurance companies and started business in its own name. Since inception, Delta Life set before itself a high  standard of all round performance coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector indigenous companies, but by undertaking and successfully implementing innovative and welfare oriented life insurance schemes. It introduced an array of conventional life and group insurance products many of which were the first in Bangladesh. For the first time, health insurance products were also introduced by Delta Life. But more importantly, in fulfillment of the avowed commitment towards social development, Delta Life for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the needs and pockets of poor people of the country who constitute more than 80% of the people of Bangladesh. Two projects of the company namely Grameen Bima for the rural people and Gono Bima for the poor and marginal savers of the urban areas were initiated to devote them slave exclusively to marketing and management of these innovative products. We are happy to report that we have achieved a good measure of success although there is a long way to go. These schemes that we have introduced have created great stir and enthusiasm among th e general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance coverage along with facility of regular savings on a long-term basis. At a later stage i.e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division. The GNGRB Division has been growing at a first rate of more than 25% p.a. for the last couple of the years and is poised to maintain this growth rate at least in the next five years or so. Delta Life can take pride in moulding the saving habits of the lower and middle class people and transforming them into prospective policyholders. The potential is now so strongly perceived that all life insurance companies old and new alike operating in the country have started their own micro insurance products. Finding Ordinary Life Insurance Delta Life offers a wide variety of ordinary life product/plans ranging from the most common endowment type to more modern and sophisticated plans like endowment with open term, pension plan with built in provision for  increasing pension, increasing protection with provision for premium refund etc. The plans have been designed keeping in view the diverse and multifaceted needs of the insuring public belonging to different strata of the society. Some of the popular plans are briefly described below. Group Life Insurance Group Insurance is an instrument for providing life insurance coverage (protection) to a number of individuals under a single contract (policy) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an insured member and/or his family in case of devastating events like-death, disability, disease as well as retirement. Group Insurance has already established its importance as a component of Employee Benefit Package in Bangladesh. Exclusive features of Group Insurance are: Insurance coverage to a number of individuals under a single contract. Simple insurable conditions Easy administrative procedure Prompt claim settlement Affordable premium Tax exemption on premium Delta Life offers a host of Group-Life Insurance schemes from which an organization/ employer may choose for benefits of its members/employees, as may best serve their interest according to organizational setup. To be treated as a group, the following criteria need to be fulfilled. A Group Should comprise of at least 15 members It should be a legitimately organized body Group clients of Delta Life Insurance Company Limited include: Semi-Government organization, autonomous bodies Private, Non-Government Organizations (NGOs) Educational Financial Institutions Public Limited Companies Associations, Business organizations etc. Group Life Insurance Schemes offered by Delta Life are of two types: Traditional Schemes: For insurance coverage of members/employees of a Group Exclusive Schemes: For insurance coverage of clients of Financial Institutions Traditional Scheme: These are the commonly offered Group-Life Insurance schemes and are also known as Basic Schemes: These are: Short Term Contract Group Term Life Insurance Scheme (GT) Group Term Life with Premium Refund Scheme (GTR) Long Term Contract Group Endowment Life Insurance Scheme (GEN) Group Pension Scheme (GP) There are several variants of Basic Schemes. Examples of two variants of GTR are GTR-100/10: Group Term Life with 100% Premium Refund after 10 years GTR-50/10 : Group Term Life with 50% Premium Refund after 10 year Health Insurance Health Insurance is now considered indispensable in developed countries. In the present financial-social perspective of Bangladesh as well, Health Insurance has now become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows: Hospitalization (In-patient) treatment coverage plans Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired) Hospitalization Insurance Plan (Individual) – offered to an Individual as well as his or her dependant family members also known as Delta Care Hospitalization Plan. Out-patient treatment coverage plans Out-patient Insurance Plan Offered as an adjunct to Group Hospitalization Out-patient Management Plan Offered as an adjunct to Group Hospitalization Overseas treatment coverage plan for travelers Overseas Medicliam Policy (OMP) – A pre-requisite for visa application offered only to Individuals traveling abroad. Hospitalization Insurance Plans Covers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospitalization Insurance Plans Hospital Accommodation Consultation Fee Medicine Accessories Medical Investigations Surgical Operation Ancillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the Scheme No need for preliminary Medical Examination during enrolment. Treatment coverage round the clock inclusive of Accidents and Emergencies. Coverage offered to Bangladeshi National as well as resident foreigner. Treatment at any renowned hospital or clinic by consultant of own choice. Preferential service at Designated Hospital. Direct payment of treatment expenses by the company at Designated Hospital. Reimbursement of expenses for treatment at non-designated hospital. Membership ID card for each insured to facilitate preferential services. Option for Maternity Benefit and Overseas Treatment coverage. Provision for inclusion of Spouse Children under the plan. Provision for inclusion of new member under the plan. Coverage up to 65 years under Group HI 60 years under Individual HI plan. Two types of plans with several benefit grades to choose from. Option to choose more than one grade according to status of the members of a group. Option to alter benefit grade during renewal. Gono Grameen Bima Delta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project (GRB) to cater to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people living in villages. Later it started another project in 1994, namely, Gono Bima (GNB) for the urban poor and the low income class. These projects are now merged under the  name of Gono-Grameen Bima Project (GN-GRB). The initial problems apart, the project started to yield impressive results right from the beginning by creating great interest among the target population who could not even perceive an institutional arrangement through which the ever present problems of insecurity of life could be addressed. To suit the needs and pockets of the target people, and for efficient management of these portfolios, some of the age-old traditional concepts of carrying on life insurance business had to be diluted and in some cases replaced by simple and straightforward practices. Yet, the results are so encouraging that Delta Life is now regarded far and wide as the undisputed leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad. Target Group and the Product In GN-GRB the formalities are minimum. Insurance Cover is given under Group Insurance concept. A person interested in a policy submits a simple two-page proposal form; it is signed or thumb imprinted by him or her. There is no need for medical check-up. The person needs to be between 18 and 45 years of age, have a monthly income of Tk. 5,000.00 (US $100.00) or less, be of good health and supply a Declaration of Good Health (DGH) at the time of submitting the Proposal form. Death through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an exclusion clause. Simple endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same irrespective of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced. Policy Documents Upon acceptance of the proposal, a pass book is issued to the policyholder detailing all terms and conditions of the policy. The pass book serves as the purpose of recording of all payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy document. Micro Investment (Loan) GN-GRB gives small project loans to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is calculated at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 equal monthly installments. The repayments are collected from door to door by the organizers. Recently a decision has been taken to establish small collection booths in the villages. A person must be a policyholder and pay premiums for at least one year before being eligible for a loan. The maximum loan given is Tk. 5,000.00 (US $100.00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a committee of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40 % of the repaid loan of an area are available for loan in that area. Also 100% of premium collection of a committee is available for loan to that committee. Company overview Crystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position. Our Mission To provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. CICL believes in the quality of the deals struck rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to deliver them the highest standard of security and professionalism. Finding Fire Insurance Fire Insurance Policy (including R SD, Flood, Cyclone Earthquake coverage) Industrial All Risks (IAR) Engineering Insurance Machinery Insurance {Machinery Breakdown Policy (MBD)} Deterioration of Stock (DOS) Boiler and Pressure Vessel (BPV) Electronic Equipment Insurance (EEI) Erection All Risk Policy (EAR) Contractor’s All Risk Policy (CAR) Motor Insurance Motor Insurance for Commercial Vehicle Motor Insurance for Private Vehicle Motor Insurance for Motor Cycle/Scooter Marine Cargo Insurance Marine Cargo Insurance transit by Steamer or Power Vessel Marine Cargo Insurance transit by Rail/Lorry/Truck Marine Cargo Insurance transit by Inland Rail or Road Conveyance Marine Cargo Insurance transit by Inland Cargoes (water borne) Marine Cargo Insurance transit by Air Cargo Miscellaneous Burglary House Breaking Insurance Cash-in-Safe Cash-in-Transit Cash-in-Premises Cash-in-counter People personal Accident Workmen’s Compensation Policy Business Interruption Overseas Med claim and Holiday Insurance Public Liability Policy Product Liability Policy Consequential Loss Householders Comprehensive Policy

Gullivers Travels :: Literary Analysis, Jonathan Swift

The author of Gulliver’s Travels os Jonathan Swift. He was born on November 30, 1667 in Dublin, Ireland (Cody, 1). At an early age his father past away and because of this sudden death Swift’s mother soon moved back to England. Swift, in the care of his relatives, was sent to school at Kilkenny Grammar School. He then attended Trinity College but did not finish his schooling because the school was closed because of a revolution occurring in the government (Cody, 2). Swift then moved to England where he became the secretary for Sir William Temple. Shortly after this employment Swift returned to Ireland upon request of his doctors because he was suffering for Miner’s Disease, a disturbance of the inner ear. Shortly after returning to Ireland Swift left Ireland for England once again. In England he published his first work which he did not get high praise for. Swift left England and returned to Ireland in 1694 to pursue his dreams of becoming a priest in the Church of Ireland and in 1695 accomplished this dream and was ordained (Cody, 3). After about a year, however, Swift returned to England. In England between 1696 and 1699 Swift created a majority of A Tale of a Tub, one of his most notable works (Cody, 4). Also in this time Swift created The Battle of the Books. Shortly after the completion of his work a friend of his past which lead to him traveling back to Ireland with the Earl of Berkeley as his secretary. Then in 1700 Swift was promoted within the church and was instituted Vicar of Laracor and was forced to travel back to Ireland (Cody, 5). The following year Swift was awarded a D.D. Form Dublin University and a couple years following his first works were published under anonymous. In 1707 Swift was asked to travel to England where he would ask for remission of tax on Irish clerical income but his requests were denied (Cody, 6). His trip, however, was not a total loss for he got the opportunity to meet Esther Vanhomrigh. She allowed Swift to step into the highest levels of political circles and this allowed swift to spend a lot of the next few years traveling between England and Ireland. Swift, now a figure in the government, became even more involved when he became the editor of a Tory newspaper (Cody, 9). Also in 1710 he began writing a group of letters to Esther Johnson later to be named The Journal to Stella.

Yellowstone Super Volcano

The Yellowstone volcano is known to many as the most dangerous volcano is America. Right now, the ground underneath Yellowstone National Park is rising at an alarming rate. In fact, it is rising at the rate of about three inches per year., which is practically unheard of. The reason why this is such a concern is because underneath the park sits the Yellowstone supervolcano, the largest volcano in North America. Scientists tell us that it is inevitable that it will erupt again one day, and when it does the devastation will be almost unimaginable. But could it cause a mass extinction? A full-blown eruption of the Yellowstone supervolcano would dump a 10 foot deep layer of volcanic ash up to 1,000 miles away, and it would put much of the United States as uninhabitable. With enough warning, the states near Yellowstone could be evacuated, which would largely avoid a great number of deaths caused by the downpour of ash. However, that's just in the short term, the aftermath would be the pro blem. For several days, ash would hang in the air, making it difficult to breathe. That blanket of ash covering the country would smother vegetation and pollute the water supply, which will quickly lead to a nationwide food crisis. As for the rest of the world, it would face a few years of mild climate change caused by the supereruption's ash cloud, which would wrap around the globe, casting Earth in shadow for several days and altering the chemical composition of the atmosphere for a decade or so. However, recent research shows the global impacts of supervolcanoes are less severe than scientists once thought.Scientists now think the vast majority of Earth's species would weather a Yellowstone supereruption just fine. They don't see any evidence in the geologic record of mass extinctions coinciding with supereruptions. In conclusion, they don't predict extinctions to result from such geologic events in the future.References1) http://www.nps.gov/yell/naturescience/volcanoqa.htm 2)htt p://www.livescience.com/20714-yellowstone-supervolcano-eruption.html

John Stuart Mill

â€Å"Actions are right in proportion as they tend to promote happiness; wrong as they tend to produce the reverse of happiness. Happiness is intended pleasure and the absence of pain. † – John Stuart Mill John Stuart Mill defines utilitarianism as a theory based on the principle that â€Å"actions are right in proportions as they tend to promote happiness, wrong as they tend to produce the reverse of happiness† (Sparknotes Editors). There are a few important aspects of this definition.It presents utility, the existence of pleasure and the absence of pain, as both the basis of everything that people desire, as the foundation of morality. This however, does not state that it is moral for people to pursue what makes them personally happy (Sparknotes Editors). The question at hand is what would John Stuart Mill advise the doctor to do? Fulfill the Joes request and assist him with his death or respect the family’s wishes by keeping Joe alive.From my viewpoint, I would say that Mill would tell the doctor to go forth with the family’s wishes because of his statement â€Å"is it not moral for people to pursue what makes them personally happy† (Sparknotes Editors) and in this case – it would not be moral to do as the patient wishes because the end result would be that it would only make the patient happy. However, from a utilitarian view point, a physician assisted suicide can appear to be morally justified in all cases. But in this case, it would be only morally justified in the patients’ case because he is the only one who is on board with the idea of physician assisted suicide.The only way this way this would be morally justified in all cases is if not only the patient was on board, but the entire family would have to be as well, by looking at such things like the physician assisted suicide as an elimination of the financial burden due to medical costs. Mill’s Utilitarianism states that in order to be mo ral, one must make decisions based upon the greatest happiness. In terms of physician assisted suicide I feel that death, no matter the form, usually brings many emotions such as both positive (the end of the patients suffering; then end of medical costs), and negative (feeling of loss and sadness of a loved one).According to Mill, the utilitarian doctrine states that â€Å"happiness is desirable, and the only thing desirable, as an end; all other things being only desirable as means to that end. † (Mill) so what he is saying is that we are to treat others and ourselves included as a means to an end, and that it would be immoral to use other people and ourselves as a mere means. If you think about it, happiness is only something that can be experienced when we are alive and in reality, there is nothing desired except happiness and our actions derive from the pursuit of happiness. So if our ultimate moral end goal is happiness.My argument would be that the patient is not seeki ng happiness as an end but only a means because he is seeking it for himself to end his suffering. The process of physician assisted euthanasia would be considered a mere means if it were both what the patient and his family both wanted – but in this case this is not what both parties want. They each want the end result to be different. Mill also argued that individuals are the best judges and guardians of their own interests. So in this case, he would be stating that Joe is capable of making his own decision(s) and his family should allow him to make his own decision in this case.The only way Mill would state otherwise is if Joe was not capable of making his own decision, an example would be if he was in an unconscious state or otherwise mentally impaired. At this point a case could be made in the fact that Joe is unhappy and he knows eventually that his illness will lead him to much discomfort and possible pain. The only thing in Joe’s mind that will make him happy i s to end his suffering and end the suffering of his family who would have to watch him battle this sickness. This would be a â€Å"win-win† situation in Joes mind.Another case could be made using the assertion that â€Å"the right thing† would be to use any means necessary to alleviate the pain and suffering Joe may face in the future. This renews and reaffirms Joe’s importance to himself and his family members. Mill has also stated â€Å"all selfish interests must be terminated by death. † I think that by this he is saying the only way to end Joe’s want for physician assisted suicide is by death. He is stating that this is a selfish want on Joe’s part – he could also be stating that the family too is being selfish in not wanting to end Joe’s suffering.So neither party’s selfish wants are going to be subsided until death. I feel that John Stuart Mills’ utilitarianism would support the idea of what the family feels and wants rather than supporting physician assisted euthanasia. Only because his main focus is happiness and one cannot experience happiness in death. Works Cited Mill J. S. , Utilitarianism. New York; Longmans, Green; 1907 SparkNotes Editors. â€Å"SparkNote on Utilitarianism. † SparkNotes LLC. n. d.. http://www. sparknotes. com/philosophy/utilitarianism/ (accessed October 17, 2012).

The American Character essays

The American Character essays THE AMERICAN CHARACTER BEFORE THE CIVIL WAR One might ask oneself what that means. The American Character. It sounds glorious, mighty, powerful and whatnot, but how many of us actually know the meaning of such a grand phrase? The American character is an idea. It is how our minds are shaped when we are growing up: what we should be proud of, the values we are supposed to impose onto our children, how we should dress, the way we are expected to think. However, our mentality has not remained the same throughout the history of our country. People change, times change, and as this happens our mentality changes as well. The American character was already developing even before the very first European colonizers set foot on American territory. Tired of the government and oppression, they came looking for freedom, they came looking for a place where no one would tell them what to believe, a place where they could own acres and acres of land and live off the land, or to just be free. It seemed like the perfect place to grow perfect crops in vast extensions of land. Americans soon discovered that the rich soil was great for growing tobacco, corn and cotton, among others. Crops like tobacco and cotton brought sufficient revenue to the landowners; however, these exhausted the soil quickly thus greatly increasing the demand for both land and labor, causing the settlers to once again clash with the Native Americans in the never ending struggle for land. More land required more work and more work required more laborers; indentured servants (servants that came and worked in these plantations for seven years with no pay) did the job at first, but as the demand for land grew, so did the demand for labor. Wealth-thirsty plantations owners soon realized indentured servants just were not enough, and thats when they turned to another solution: slaves. ...

Army Soap Note

A: (assessment) – Your interpretation of the patients condition. P: (plan) – Includes the following: 1. Medical treatment: includes use of meds, use of bandages, etc. 2. Additional diagnostics: which if any test which still might be needed. X-ray MRI ect.. 3. Special instructions, handouts, use of medications, side effects, etc. 4. Return to clinic: when and under what circumstances to return. Components of the SOAP note. . Medical History – Which gives you an idea of the patients problem before you start the physical exam of the patient. a. Patient data b. chief complaint 1. This is the reason for the patients visit. 2. Use direct quotes from patient. 3. Avoid using medical terms. c. Observations begin as soon as the patient walks through the door. d. Open ended questions will help you to get more complete and accurate information. e. Provider obstacles which are your attitude towards the individual or pre diagnosis of sick call ranger may prevent you from makin g an accurate judgment. . History of present illness/injury (HPI) f. Duration: when the illness/injury started. g. Type of pain: use the patients words to describe the type of pain. h. Location: have the patient explain, then have them point it out. i. : what makes it better or worse and is it constant or does it vary in intensity. j. Pain in different positions: does the pain vary with the change of the patients position. k. Medications/allergies: note any medications whether over the counter or not. Do the medications relate to the problem? Take note of the patients allergies. l. Supplements: note any supplements the patient is taking along with vitamins so you are aware of the possible interactions with the medication that may be given to the patient. m. Pertinent facts: facts which lead you to your diagnosis. Usually consist of classical signs and/or symptoms. I have found that the best way to get a person’s medical history is to using the SAMPLE and OPQRST. It’s a fast and easy way to recall the information that you need to provide to the PA or NCOIC. S: Symptoms A: Allergies M: Medicine taken P: Past history of similar events L: Last meal E: Events leading up to illness or injury O: Onset – What caused the illness or injury, or what were you doing at the time P: Provocation/Position – what brought symptoms on, where is pain located. Q: Quality – sharp, dull, crushing etc†¦ R: Radiation – does pain travel S: Severity/Symptoms Associated with or on a scale of 1 to 10, what other symptoms occur T: Timing/Triggers – occasional, constant, intermittent, only when I do this. Lastly you need to provide a name(first, last and middle initial) phone number, date of birth, FULL social security number, sex, and rank/grade. All this information is provided in order to file the note into the patients medical records. It can also be used to contact the patient regarding an appointment or information we may further need to assist the patient in his medical needs. All notes must be signed by the individual that screened the patient. There are 2 reason for this one is to insure that nothing is added to the note, this protects both yourself and the patient. It also allows the PA or NCOIC to speak with the individual that screened the patient for additional information regarding the patient or having them correct a deficiency with the note itself before being placed in the patients medical history. Signing under the last portion of the note lets people know that the note has ended however do not mark any open space out, the PA may want to add additional information which he will then stamp verifying that he was the one who in fact added the information. Spc Singleton 68W10 Army Soap Note A: (assessment) – Your interpretation of the patients condition. P: (plan) – Includes the following: 1. Medical treatment: includes use of meds, use of bandages, etc. 2. Additional diagnostics: which if any test which still might be needed. X-ray MRI ect.. 3. Special instructions, handouts, use of medications, side effects, etc. 4. Return to clinic: when and under what circumstances to return. Components of the SOAP note. . Medical History – Which gives you an idea of the patients problem before you start the physical exam of the patient. a. Patient data b. chief complaint 1. This is the reason for the patients visit. 2. Use direct quotes from patient. 3. Avoid using medical terms. c. Observations begin as soon as the patient walks through the door. d. Open ended questions will help you to get more complete and accurate information. e. Provider obstacles which are your attitude towards the individual or pre diagnosis of sick call ranger may prevent you from makin g an accurate judgment. . History of present illness/injury (HPI) f. Duration: when the illness/injury started. g. Type of pain: use the patients words to describe the type of pain. h. Location: have the patient explain, then have them point it out. i. : what makes it better or worse and is it constant or does it vary in intensity. j. Pain in different positions: does the pain vary with the change of the patients position. k. Medications/allergies: note any medications whether over the counter or not. Do the medications relate to the problem? Take note of the patients allergies. l. Supplements: note any supplements the patient is taking along with vitamins so you are aware of the possible interactions with the medication that may be given to the patient. m. Pertinent facts: facts which lead you to your diagnosis. Usually consist of classical signs and/or symptoms. I have found that the best way to get a person’s medical history is to using the SAMPLE and OPQRST. It’s a fast and easy way to recall the information that you need to provide to the PA or NCOIC. S: Symptoms A: Allergies M: Medicine taken P: Past history of similar events L: Last meal E: Events leading up to illness or injury O: Onset – What caused the illness or injury, or what were you doing at the time P: Provocation/Position – what brought symptoms on, where is pain located. Q: Quality – sharp, dull, crushing etc†¦ R: Radiation – does pain travel S: Severity/Symptoms Associated with or on a scale of 1 to 10, what other symptoms occur T: Timing/Triggers – occasional, constant, intermittent, only when I do this. Lastly you need to provide a name(first, last and middle initial) phone number, date of birth, FULL social security number, sex, and rank/grade. All this information is provided in order to file the note into the patients medical records. It can also be used to contact the patient regarding an appointment or information we may further need to assist the patient in his medical needs. All notes must be signed by the individual that screened the patient. There are 2 reason for this one is to insure that nothing is added to the note, this protects both yourself and the patient. It also allows the PA or NCOIC to speak with the individual that screened the patient for additional information regarding the patient or having them correct a deficiency with the note itself before being placed in the patients medical history. Signing under the last portion of the note lets people know that the note has ended however do not mark any open space out, the PA may want to add additional information which he will then stamp verifying that he was the one who in fact added the information. Spc Singleton 68W10

Discuss the key challenges for social workers in working in Essay

Discuss the key challenges for social workers in working in partnership with parents and protecting children in Northern Ireland - Essay Example However, social workers have not been without challenges in their daily work. Among the challenges social workers face in Northern Ireland comes from partnering with parents in protecting children. Examples are physical violence, abuse, violent attacks, aggressive clients, criticisms and intimidation (Davey, p.34). Over the year there have been reviews and establishment of laws and policies that affect the children’s rights and duty of care. This has brought misunderstanding between the social workers duties, those of the parents and those of the state. 1. Under the Kids and Younger Individuals Act (Northern Ireland) 1950, the generalist welfare authorities were accountable for rendering of services to children and young persons in need of proper care or security (cited in Geen, p.15). 3. The Ingleby Report outlined the need for power to fight neglect, ill treatment and child offending in all manners. This led to the Kids and Younger Individuals Act 1963 in Britain and Wales and, in turn, to the Children and Younger Individuals Act (Northern Ireland) 1968. Both established prevention as an actual concept in childcare exercise (Haringey Local Safeguarding Children Board. Serious Case 2010, p.45). 4. The Report of the Panel on Regional Power and Allied Personal Social Services 1968 (the Seebohm Report) suggested that professional local authority divisions should be taken off by overall social services divisions offering society care services to families, children and other grownups in need of proper care or support. It was envisaged that a single public employee could deal with all the public problems within one family. In North Ireland in Europe generic welfare divisions had since 1948 offered an extensive set of public services for family members, children and grownups in need of proper care and protection(Cited in Ferguson, p.56). 5. The Kids