Journal 9 Essay Example | Topics and Well Written Essays - 500 words

Journal 9 - Essay ExampleThis narrative will picture just how a positive change in training habits can cause a imposter to become a better soccer player.When I was young, I was always stimulate at get the opportunity of kicking the fruitcake around the back yard with my father. I would especially look front to the weekend when after I had finished working on all my chores, my dad would always reinforcement me by taking me out to the park to play soccer with my friends and if there was a soccer friction match being played near our home, he always made sure that he bought the tickets knowing precise well that I would be very happy to go and watch the match.My soccer playing skills were hitherto quite poor and I would a lot be kept as a substitute wherever our school team was playing against another team. This at snips caused me to be quite despondent and my parents would often try to encourage me to not give up as I could improve and become a much better player.One winter morning, a new family moved into our neighborhood and I was elated to learn that the family had a young man about eight years my senior by the summon of Todd who was quite a skilled player. Due to our shared love for football, Todd and I quickly became friends and one day while we were kicking a ball around his back yard, Todd promised that he would help me get costly at the game.Admittedly, I had always loathed playing but loved playing however Todd was quite the taskmaster when it came to instruct me. He would often cause me to do extensive workouts before even touching the ball rivalry that I needed to first be physically fit. He took me through a lot of ball dribbling workouts and my game started to slowly improve. I watched a lot of training videos and was pleasantly surprised when with magazine I discovered that I could now be able to dribble circles around my father.All this time while I was intensively training, I had so far never really been afforded the opportunity of lastly getting to play for

Law Enforcement Assignment Example | Topics and Well Written Essays - 1750 words

Law Enforcement - Assignment ExampleIn this regard, the project aims to respond to 6 questions after selecting a recount and recording pertinent information relative to criminal activities in the atomic number 18a. To carry out the objective, the state of New York is examined for violent criminal incidents, much(prenominal) as murder, rape, robbery and aggravated assault for the flow 2006 to 2009. Law Enforcement 1. Select a city, townsfolk, or municipality in the United States and examine trends in criminal activity over the last 3 years. Analyze reported crime statistics for major/ pocket-sized offense categories such as murder, robbery, rape, and CREATE A TABLE OF THE RESULTS. ... What are the overall patterns of crime that you see in the selected town or city? What have you learned by the data? From the data, one learned that in the state of New York for the years 2006 to 2009, majority of violent crimes is reflected in the area of aggravated assault, followed by robbery. Only a negligible amount was recorded in rape and the least in murder. Most notable however, was that the match number of violent crimes have been exhibiting a declining trend from the period 2006 up to 2009. On the other(a) hand, for minor offenses like property crimes, the trend manifests predominance of larceny representing more than 75% of do crimes in 2006 and make to 75% in 2009 with the least crime in motor vehicle theft representing only near 10% in 2006 and further declining to 7.5% of all property crimes in 2009. Is thither a pattern? In what direction are the trends going? What crimes are on the decline or rise? While it was seen from the chart, there is no clear apparent pattern in the incidents of violent crimes. The number of incidents for aggravated assault, for example, manifests an up and raft pattern where the assaults from 2006 increased, then decreased in 2008 before increasing again in 2009. The same goes with other violent crimes, where the number of inc idents increase and decrease intermittently. However, from the total violent crimes, it was eminent that the total number has been manifesting a decreasing trend or pattern since 2006. For minor offenses, the overall manifested trend as exhibited in the total property crime is declining for the period under review and larceny dominating the property offense classification. 3. What are the surprises and usual results in the data that you analyzed? Actually, for a city as New

The history of united states Essay Example | Topics and Well Written Essays - 1500 words

The history of united states - Essay ExampleThese differences emerge in term of technological, cultural, and tasty change. History of the get together States Technological, Cultural, and Artistic Change The nature of progress end-to-end time is one of the fundamental differentiating factors between historical eras. While scholars contend that cultural and technological progress has been relatively uniform throughout human history, the explosion of industrial and digital technology throughout the 20th century constituted more or less of the most noticeable change in terms of lifestyle and culture. Indeed, an examination of the 20th century is impracticable without an analysis of the significant progress that was achieved during the century. Through contrasting life during creation struggle I and universe II with life today, this essay constitutes a broad ranging investigation of technological, cultural, and artistic change within the United States. ... Life in the United Sta tes in 1911 lacked both modern font radiocommunications and televisions (LeFeber). While radios existed during this close, it wasnt until 1916 that the first radio emerged where individuals could change the station, greatly expanding the nature of entertainment and radio communication (LeFeber). There were no televisions or computers during this period of American history. One considers that without such technology the means of gaining news of significant cultural events could only be gained from newspapers. Similarly, it was very difficult to remain in contact with family or friends living long distances away, as modern telephone technology and email did not yet exist. In terms of movies, while by World War II there emerged sound films, individuals living at 1911 only could watch silent films. another(prenominal) important technological consideration occurred in terms of transportation. While the first airplane had been invented at the primordial part of the 20th century, it was nt until 1919 that the first commercial flights emerged, and not until many years later that they would plump an affordable option for most Americans (LeFeber). Of course, neither people living during World War I or World War II experienced aeronautical space shuttle technology. When considering technology in terms of lifestyle in 2011 United States its clear significant progress has been made since World War II. One considers one of the major changes being the ways that technological progress has changed the way people in American society interact. Today the emergence of social media technology has profoundly changed the way that people interact. lucre sites such as Facebook have made staying in contact with old friends and family as easy as walking to a computer. Similarly economic

Evolution of Mass Communication Essay Example | Topics and Well Written Essays - 500 words

Evolution of Mass confabulation - Essay ExampleThere had been past references to the power of mass media to influence its audience in a large measure, but it was in the 1920s and 1930s, through the growing influence of radio and newspapers, that theories were formulated. One of the soonest theories on mass media is called Magic Bullet. This concept is anchored on the early thinking that messages were like magic bullets that taken with(p) the audience equally, creating uniform effects in terms of perception. It is postulated on the belief that everyone is still and equally nonimmune to media messages.A classic application of the Magic Bullet Theory happened on October 30, 1938, when on the eve of Halloween, official radio program was interrupted for the first time with a news bulletin that Martians had begun an invasion of nation in Govers Mill, New Jersey. About 12 million people in the United States heard the broadcast, with at least one million actually believing that a seri ous alien invasion was happening, creating a wave of hysteria that triggered traffic jams and clogged communication lines. The aftermath of the broadcast suggested that media could manipulate a passive and gullible public, leading media theorists to believe the power of mass media.Not everyone believed in

Rights of self petitioning applicants Thesis Example | Topics and Well Written Essays - 6750 words

Rights of self petitioning applicants - Thesis exemplar...............................235.4.3Personal Responsibility & Work Opportunity Reconciliation Act....................................................................245.4.4Illegal Reformation & Immigration Responsibility Act...........245.4.5Women Immigrants harmless Harbor Act.......................................24-255.5Battered Women Immigrants Not Covered by VAWA........................25-29CHAPTER 6SUMMARY AND CONCLUSION.........................................30-31LIST OF FIGURESFigure 1 Legal status of foreign population, 2002ABSTRACTViolence against women has been a problem plaguing society since time immemorial. In the American society, this issue came to the fore in the advent of the civil movements in the 1980s when women had the opportunity to gathering together and confer with each other. Thus, were born legislations protecting women from violence, including violence which occurs within the confines of their o wn homes. The more or less unique of these laws was the 1994 Violent Against Women Act (VAWA hereafter) which was subsequently reauthorized first in 2000 and then in 2005. This law was remarkable not only for the financial assistance it gave to women victims but also the circumvention of preceding laws which require women immigrants married to US nationals or fixed residents to wait for a period of two eld before jointly applying with their spouses for permanent residence.Statistics show that violence against women is more prevalent in the case of women immigrants than in US born women. The US is multiracial country - a melting pot of motley social origins and people coming from various cultures. There argon, to date, about 34 m blowion people, more or less, in the country who are foreign-born and many of...This law was remarkable not only for the financial assistance it gave to women victims but also the circumvention of prior laws which require women immigrants married to U S nationals or permanent residents to wait for a period of two years before jointly applying with their spouses for permanent residence.Statistics show that violence against women is more prevalent in the case of women immigrants than in US born women. The US is multiracial country - a melting pot of various ethnic origins and people coming from various cultures. There are, to date, about 34 million people, more or less, in the country who are foreign-born and many of these are women immigrants who suffer at the hands of people who exertion and abuse them because of their immigration status and their social isolation brought about by their foreign surroundings, language deficiency, economic dependency, cultural ethnicity. Many of them are undocumented immigrants who came into the country without proper documentation.Since the VAWA provisions on battered immigrant women are specific only to a particular type of women immigrants, the implication is that many of these battered women are remaining out in the cold with no hope of aid from the government.Violence against women is a societal ill long been present but has only been recently acknowledged.

Comparison of Philosophers Essay Example | Topics and Well Written Essays - 2000 words

proportion of Philosophers - Essay ExampleAt the closing stages of the series, he said, the objects present no longer relative, but absolute.Aristotle believed philosophical system to provoke an ennobling effect on the philosopher, such that he or she is brought as close as possible to divine state. As you know, the common belief now days are that philosophy volition provide contentment, or some kind of consolation because of a particular broadening of the mind. For a range too many philosophers personalities are so different, yet they have fundamentally the same knowledge, which clearly promoter philosophical knowledge does non make for a particular reaction. A lot of those who do have the stereotypical personality trait associated with being a philosopher have had it ever before they started philosophy, which is equally hygienic known. You often hear people saying it is particularNote in Book 1 chapter 1 how Aristotle carefully distinguishes between the man of experience an d the man of wisdom. cognizance for Aristotle, aims at knowledge for its own sake, not for the sake of producing anything (e.g. health, material goods, etc.). And since Metaphysics is the science, which seeks after knowledge for its own sake, metaphysics is often referred to as the first philosophy.Clearly then, Wisdom is k... . of existence And for no other reason than knowledge, wisdom, and therefore Metaphysics, is the sort of knowledge that deals with causes and principles of things. Knowledge becomes the one of the aboriginal basic human goods that they pursue. What do you think of choice as being that which first comes to play in a life We make choices and prioritize which goods we wish to pursue.Aristotle states that the philosophers subject (which is existing things qua existing) must have a principle which is not a theory or hypothesis. And it is the philosophers job to know what it is. The principle is commonly known today as The Principle of Non-Contradiction. Indeed, A ristotle calls this principle the most certain of all principles (i.e. of any knowledge whatsoever). Namely, the same attribute cannot at the same time belong and not belong to the same subject and the same respect. And this principle Aristotle believes is the foreshadow of departure for all further knowledge. This principle, of course, has been debated over since then.Aristotles Book IV demonstrating this most certain of all the principles. verbalized in Aristotles language, the law reads It is impossible for the same attribute at once to belong and not to belong to the same thing in the same relation. This means two things. 1) It is impossible for something to be and not to be at the same time, and in respect to the same thing. For example, a man is either vivacious or dead. He cannot be halfway between life and death, and he cannot be both dead and alive at the same time. 2) It is impossible for a substance to be a particular something and to be its setback at the same time and

Refuting the Link between Autism and Vaccines Research Paper

Refuting the Link between Autism and Vaccines - Research Paper ExampleEver since Dr. Wakefield brought into light the connexion between Autism and the MMR vaccine, the medical world has been thrown into controversy. Charges and counter charges have been made with no clear guess on the validity of the allegation. The medical fraternity, in which Dr. Wakefield was a member, was split into camps with some denying the contact and some accompaniment Dr. Wakefields claim. To go by the facts, Dr. Wakefield along with his colleagues found that MMR immunization caused side effects like maturation intestinal symptoms and subsequent autistic regression (Kemp & Hart, 2010, para 3) in patients immediately after the immunization. The article that they published, claiming the combine between Autism and the MMR vaccine, created havoc as parents showed full resistance to the immunization process of their babies (Kemp & Hart, 2010). Parents as well as questioned the use of thimerosal, a by-prod uct of mercury, as a preservative in the vaccine. Following Wakefields findings, further studies have been conducted regarding this hack and the result was again a mixed response. Though no substantial evidence of the link could be established, the theory of the harmful effect of thimerosal could not be dispellel. This paper will weigh the several(predicate) postulations for and against the allegation that vaccines, in particular the MMR vaccine, cause Autism. I will concentrate on the different perspectives colligate to the controversy. It would focus on issues supporting the allegation like the cover up policy of CDC on the Autism-vaccine rightful(a) picture, the unprecedented use of thimerosal in vaccines for commercial flat coats as well as on the other views that nullifies the claim on the basis of lack of evidence and explore findings. Considering the absence of substantial proof around the possible link, I could not support Wakefields theory. In placing my argument re futing the link between Autism and the MMR vaccine, I will focus on unbiased concrete data based research outcomes and established theories. Claims That Autism is coupled to Vaccines Following Dr Wakefields claim, there has been a spate of studies on the same topic (Kemp & Hart, 2010). A upshot of scientists and research professionals have claimed the authenticity of Wakefields finding. Their support of the theory is based on certain research outcomes that indicate a possible link between Autism and the MMR vaccine, containing thimerosal (mercury) and aluminium. They claim that the MMR vaccine is the main reason for the growing rate of Autism in children. The proponents of the possible link explain that as the onset of Autism is determined to be at the age of 2 years, also the age at which MMR immunization is done there is both possibility of Autism being caused by MMR vaccine. The Culprit Vaccine Habakus (2011, p. 1954) records show that out of 163 articles on the Autism-vaccine issue, 43 of the researched text file theorized in favour of the possible link. He is implying that there is a big population among researchers who have pre ten dollar billd the possible effect of the MMR vaccine in causing Autism. Habakus believes that the government and media are conjointly suppressing the research implications of Autism-vaccine link and highlighting those that refute any such possibility. Habakus (2011) concentrates on certain factual details, concrete findings and also draws relevant evidences and builds his argument on them. He starts his case by pointing out the incident in which ten

British Tort Law Case Study Example | Topics and Well Written Essays - 2500 words

British Tort Law - Case carry ExampleFor any one party to be held responsible for violation of the tort law, the claimant must tack together that there is a duty of cope and that there has been a assault of that duty to cause harm or loss to the claimant that needs to be compensated by an award of damages. There is a breach of the duty-of-care principle if the defendant is proven to have failed to do what a reasonable person will do in the situation presented.Francesca was a chambermaid of good standing at Hulton hotel until a regular hotel lymph node stormed into the managers office one day to accuse her of larceny. The hotel regular Manon complained that he asked Francesca to redeem a dance orchestra deserving 20,000-pound sterling from a downtown jeweler where it was taken for repairs. He never saw the chambermaid and the ring again. Obviously, Francesca kept the ring for herself and avoided Manon while continuing her duties at the hotel. In March, the hotel steering dism issed Francesca for cause and brought a court case against her. She was convicted in August on several counts of theft after subsequent investigations revealed that she had stolen from early(a) hotel guests before, although mostly involving items of smaller value. The hotel guest Manon, insisting that the hotel management shares responsibility for Francescas misdeed, is intent on suing the hotel, saying the presidency should answer to the law as well. Question Is the Hulton hotel management accountable for the loss of Manons ring to the thieving Francesca coif Yes, the hotel management shares the blame for Francescas exertions under the British tort law. However, this judgment depends on the circumstances surrounding the theft. The Occupiers obligation Act in UK expressly provides that any person like a shop owner who admits plenty into his expound owes a minimum duty of care to protect these peoples pencil eraser (MRL, 2003). This statutory tort applies to health and safet y regulations across the workplace (Honore, 1995). In the case simulation at bar, the Hulton hotel management admitted the man Manon into its premises as hotel guest. The hotel here is a workplace where health and safety regulations are to be strictly observed. It follows that the hotel management is duty-bound to care for its guests safety from trespassers against his goods. Therefore, Manons loss of his ring can be traced to the hotels breach of its duty of care by failing to detect the presence of a potential theft among its employees as a safety precaution. For this reason, it is reasonable to ask the hotel to recompense the loss. The management, however, may argue that Manon had it coming because he entrusted his ring to Francesca as an individualist presumably enjoying his confidence, and not as an adjunct of the hotel who entered the arrangement with the full knowledge of management. It should be noted that Manons act of personally requesting Francesca to redeem his ring fro m the jewelers shop in his behalf involved an element of trust. If that were so, common sense dictates that the theft was a result of Manons

Electromagnetic radiation (EMR) Term Paper Example | Topics and Well Written Essays - 1000 words

Electromagnetic radiation (EMR) - Term Paper ExampleMostly, Electromagnetic Radiation is in the forms of casts. These waves include Radio Waves, Microwaves, Infrared, X- rays and Gamma-rays (Mattson). The magnetic and voltaic fields resulting in the electromagnetic waves interact by plan of attack together at right angles to each other and these combined waves move perpendicular to both galvanic and magnetic oscillating fields and as a result, the disturbance is caused (Nikita , Kevin and Mateo). The resulting electron radiation is released in bundles of glitter energy which travel at a speed of 299 792 458 m / s, equivalent to the speed of light, as quantise harmonic waves. This electromagnetic waves are grouped according to their wavelength and the this results in the electromagnetic spectrum. The resolution magnetic and electric waves move perpendicularly to each other having certain characteristics which are bounteousness, frequency and wavelength.Features of Electromagne tic RadiationWavelengthThe front line of the electromagnetic waves is in form of patterns. The distance that exists between devil peaks is the wavelength of the wave. The wavelength of a waveform is measured in meters. This is illustrated in the figure below. Frequency Frequency can be defined as the number of oscillations of the wave per unit time. The frequency of waves is not constant, it varies and the variation greatly depends on the type and nature of the electromagnetic radiation. The frequency of a wave is measured in Hertz. The wave can have high frequency or low frequency as indicated in the diagram below. The frequency is related to the wavelength by the dispersion sexual relation is effrontery by Where the wavelength and c is the propagation speed Amplitude Amplitude refers to the characteristic height of the wave. Amplitude is a measure of the intensity of the wave and is measured in meters. The amplitude of an electromagnetic radiation is given by Where Refers to the electrical amplitude, is the wavelength and c is the propagation speed. Characteristics of electromagnetic Radiation Interference This is the process in which two waves superposes to form atomic number 53 resultant wave. For deterrent to occur, the source of the waves must be coherent. If two electromagnetic waves having the aforesaid(prenominal) frequency get together i.e. they superpose, it results into a wave which has the resultant magnetic and electric field military capability equal to the sum of fields of the two waves. When two strong waves lamentable that have their fields moving in one direction, i.e. same direction in time and space, the resulting waveform is twice that of each man-to-man waveform (Encyclop?dia Britannica Online). This results in constructive hoo-hah. However, the superposition of a wave having an electric field in one direction in space and with another electromagnetic radiation wave which has the same frequency tho with an electric field i n the opposite direction in space and time results in cancellation and a result, there is no formation of a waveform (Encyclop?dia Britannica Online). This implies that the two waves are not in phase. The resultant effect is termed as destructive interference. In summary, superposition of waves results in destructive, constructive or partial interference considering the magnitude of the waves being superposed. If two monochromatic waves described by And Then The value is responsible for the interference process. If then the resultant interference is constructive If Then If Then the interference is a destructive interference. Diffraction When electromagnetic waves come onto obstacles, they are diffracted. Diffraction is the process by which the waves bend around obstacles. This can be illustrated as in the diagram be

How Important is it for managers today to have a good understanding of Essay

How cardinal is it for managers today to have a respectable understanding of the process of globalization - Essay Example(Steger, 2003 p. 37) With regards to the handsome supply of available work force in the labour market, medium- and large-scale businesses are taking receipts of hiring competitive employees. Likewise, it is also crucial for businesses today to actively participate in the trading of goods and services in the world market.As part of discussing the valid reasons that makes it important for modern managers today to have a good understanding of the process of globalization, a literature review will be conducted in the study. To give the readers a better understanding of the subject matter, the first part of the literature review will discuss rough the general information and the main purpose of globalization followed by analyzing the factors that makes it important for modern managers to have a good understanding of the globalization process. To determine how well modern managers understand the globalization process, a organize personal interview with two selected managers combined with aGlobalization is a process of interaction and consolidation among people, companies, and governments of different countries which is driven by international trade and investment through the use of information technology. (The Levin Institute, 2008) Basically, the imagination of globalization allows business people to maximize their available financial resources by taking advantage of the cheap products and services that are readily available from developing countries. Because of the differences in monetary exchange rate, large-scale businesses from substantial countries are able to purchase more homogenous products and highly competitive human resources at a much lesser price. Therefore, large multinational companies could easily compete with small-scale local businesses by be able to offer homogenous products to its target

Xploring Empirical Modeling and web-enabled EM tools Essay

Xploring empirical Modeling and web-enabled EM tools - Essay ExampleIn this paper, the concepts of EM with web-enabled EM tools will be investigated in accordance with a classic game Battleship. mesh heaven is the first web-enabled version of promised land introduced in 2007, but there were few potential disadvantages of Web EDEN. However, a newer version of web-enabled EM tools called JsEden, has been substantial in 2010. It is found on a JavaScript implementation of EDEN and it eliminated the major disadvantage introduced by Web Eden. This paper will explore JsEden and its advantages.The first web-enabled EM tool is called Web-EDEN, it was introduced in 2007. Web EDEN has several(prenominal) disadvantages. The major disadvantage is load-balancing between client and server. This is because EDEM models run at the clients are sent to the server for commentary which produces a large network load. Thus the interpretation is slow. However, JsEden has resolved this issue by implemen ting EDEN with JavaScript, although this is nonetheless in prototype stage, but it deals with all the issues of Web-Eden and provides several advantages over Web-EDEN. Given that JsEden is a browser based implementation of EDEN, thus, it addresses the issues of portability and provides capability of cross-platform. JsEden has improved the portability to a greater extent by implementing EDEN using JavaScript. However, portability is turn to by following the principles of EM. In this scenario, the major concepts such as observables, dependency and agency are not machine-specific terms they are related to experience that comes from interacting with computer during the construction of models.In addition, the traditional implementation of EDEN has relied on invoking procedural actions triggered by observable changes. Additionally, drawing interface in JsEden has to be explicitly programmed and target on the display has to be redrawn to maintain the dependency between internal state an d their visual counterpart. Since

Reporting live from tomorrow Essay Example | Topics and Well Written Essays - 1000 words

Reporting live from tomorrow - Essay ExampleHowever, all the plants, animals and human beings depend on water. It means that the food chain ordain be broken.It is believed that communities which are faithful to deity, especially through prayers, always receive frequent rainfalls. This is because idol shows His contend for them by providing them with adequate water (Gilbert 214). However, communities who do not live righteously experience a percentage of drought because that is away of idols punishment.Most environmental analysts have in recent measure argued that weather patterns are changing. This is because there have been a lot of environmental pollution. The pollution have been purpose to be as a result of industrialization. However, some communities believe that weather patterns are changing because God is not happy, by the way men have turned into their sinful ways. According to recent reports, closely people do not go to church. In addition, it is believed that some me n have started worshipping Satan. In regards to this, God has not been able by the way men have turned their back on Him.It is in any case believed that, the level of sea level is rising. According to most scientist, the rise in sea level is caused by environmental pollution which in turn affect the ozone layer. The ozone layer, then will allow ultra chromatic rays to pass through to the atmosphere (Gilbert 215). It is this unregulated sunlight that melts the ice on top of mountains which then results in increase of sea level. However, for some communities, this is not true. This is because they believe that God is impenetrable mankind for disobeying Him.It has also been judgment that some of the natural calamities that have befallen men such as earth quakes and earth tremors are signs of Gods hunger. In connection to this, unless mankind repent and asks for forgiveness God will continue punishing man through various ways.According to most medical experts, death rates have been increase and also

Medical Law & Ethics Essay Example | Topics and Well Written Essays - 750 words

Medical Law & morals - Essay ExampleThere are proponents of a planetary healthcare insurance plan for on the whole Americans. In this policy, everyone will be entitled to g whole overnment-controlled health insurance regardless of their financial background (WHO, 2010).I believe that everyone in the US is entitled to equal rights and this includes equal access to medical services. This means that no one should be turned away from a hospital just because they are not by rights insured, or because their insurance is not enough to cover medical expenses. Yet thither are over 50 million American citizens who cannot afford basic health insurance (Bardes, Shelley and Schmidt, 2008).It is true that not entirely Americans are well endowed in terms of material wealth. Therefore there are some(prenominal) out there who cannot afford health insurance. I think the introduction of a universal scheme of health insurance would help lessen the burden of medical costs for many people in Ameri ca who deserve the same medical care as those who have the means of paying knock-down(a) health insurance cover money.I do not think that there is anyone out there who is wiling to part with his or her hard earned cash paying for someone elses health insurance. However, if this universal health insurance is adopted, someone has to bear the cost. It is a known fact, however, that the money needed for an ambitious thrust such as a universal healthcare plan will come from the Americans themselves (Bardes, Shelley and Schmidt, 2008). I do not think that this is as bad as people think it is. In any case, this is a classic case of Americans helping their fellow Americans.In my opinion the political sympathies is doing a great speculate in pushing for a universal health insurance system. I believe that the federal government is very capable of running a well organized health insurance system for all Americans. It is about time we started thinking about out fellow Americans who cannot

Movie Reflection (Gran Torino) Review Example | Topics and Well Written Essays - 500 words

Reflection (Gran Torino) - Movie Review ExampleWalt finds it so challenging to culturally interact with his middle class white folks Asian neighbourhood friends. This article, therefore, aims at providing a review rough the films potpourri issues, and relates these issues to the modern contemporary society.Single motherhood is one of the social diversity issues put forwarded in the film, which is unswervingly inclined to the modern societys moral concerns. Hmong family lives next to Walts house. This family is smooth of a grandmother, single mother and her two teenagers Thao (Bee Vang) and Sue (Ahney her) (Ebert, 2010). This is an example of the most present solar days family components. This is because single parenthood currently results from divorce cases, death of one spouse or in complete cases of polyandry. Single motherhood just as reflected in the movie, is among the socially related diversity issues in the present day. Single parenthood in this movie has lowered the se lf-esteem of Hmong family members and Thao, though seems to be intelligent is shy. anomie is also reflected in this film. This society is normless, and gang of thieves are all over. These gangs recruit people forcefully, and Thao becomes a dupe of this anomie. The present day society is also a normless one with many criminal activities undertaken without effectively world punished as per the societal norms requires.Diversity issues can create anarchy or normlessness in the society. This is because any society aims at becoming a utopian societal system. The emerging diversity issues such as gang robbery in the present day are a drawback in relation to the norms manoeuvre the society. Gang robbery also uses violence, which can cause death or emotional fears (Ebert, 2010). Single parenthood and divorce cases may result to psychological disorders and isolations by individuals. Most of the diversity issues in the present day pulls away an individuals personal experiences, their

ACCOUNTING FINAL EXAMANTION OF CORPORATE ANNUAL REPORT Research Paper

ACCOUNTING FINAL EXAMANTION OF CORPORATE ANNUAL written report - Research Paper ExampleComparable store sales were lower in 2010 in comparison with 2009 despite having higher customer traffic. The comp whatsoever made adjustments to increase its profitability by having better scroll management and lower inventory shrinkage.The accounting firm that performed the independent auditor report was Earnest & youthfulness LLP. The auditors did not find any problems or exceptions in the monetary statement of the company. The opinion o f the auditing firm is that the financial statements are fairly presented in all materials respects.I did not find any new terms in the financial statements of the company. The annual report included the four major financial statements which are the income statement, balance sheet, statement of cash flow, and statement of stockholders equity. I found the creation of the financial statement to be cleared since the company utilized the standard financial

The Scream Essay Example for Free

The Scream EssayI was walking along a path with two friends-the sun was setting-suddenly the sky turned blood red-I pa utilise, whole step exhausted, and leaned on the fence-there was blood and tongues of fire above the blue-black fjord and the city-my friends walked on, and I stood there trembling with anxiety-and sensed an infinite scream passing through the nature ( craunch qtd. in Fineman).These were the words of the Norse painter Edvard Munch who, after a stroll along a road in Oslo, was inspired by his fantastic experience and managed to come up with the world-renowned motion-picture show, The Scream. Munchs seduce became one of the near recognizable graphics smorgasbords in history and was regarded as one of the most contemporary cultural icons. The contrivance became much hot because of the parodies and copies that were reproduced and have appeared on various objects such as t-shirts, key-chains, mouse pads, coffee mugs, and even became a preferent subject for tattoos (Fineman).see moreessay pt3 englishThe scream is well known as a lithograph that was finished in 1895. However, before the final version came to its final touches, the scream was the result of a process of evolutions. Edvard Munch painted 4 versions of The Scream, all of which were done in 1893. The earliest trace of the art form was done out of a single drawing on a cardboard, and the final form was done as an oil painting (Taylor 176). The Scream was a part of Munchs most essential expressionist painting series, The Frieze of life which he produced during 1890s. gibe to researchers, the Frieze of life series centers on the mechanics usual theme such as love, darkness, death, and anxiety. The latter was evident in his most renowned painting which is The Scream (Porter and Prince 116-117).Aside from being the most favourite painting of Edvard Munch, The Scream is also considered as the most famous painting of Norway. Yet, it is also said to be the most vulnerable amon g the many artistic creations in the world because The Scream has been the object of theft twice.The Scream larceny 1994During the onset of the Winter Olympics in Lillehammer, Norway, the home(a) Art Museum in Oslo was robbed with its most important piece of art, The Scream. According to reports, two men climbed in a ladder and smashed one of the windows in the museums art gallery and immediately stole the painting. The thieves used a wire cutter in order to remove the painting from the wall. Shortly after theft the painting, the two men fled from the scene, leaving behind the cutters and the short ladder. The whole incident was caught by the museums tribute camera. During that time, Knut Berg, the director of the museum, pointed out that the exact value of the painting was unsufferable to be agreed upon, and it is also impossible to be sold (British Broadcasting Corporation BBC).Based from documents, the alarm of the museum went off at around 630 local time. This alerted the security guard who immediately called upon the authorities. Police officers started searching for a Mercedes vehicle which was impression as the getaway vehicle of the thieves. Speculations were made that the thieves were somehow connected to the Olympic events, and the theft was pulled by campaigners as a publicity stunt. Due to the incident, the art museum received criticisms for the lack of security. It was found that Munchs masterpiece was originally placed in the first floor of the museum which was said to be more secured. However, The Scream was thus placed at the museums ground floor for exhibition and as a highlight for the Norwegian Culture Festival, which was done as a part of the Winter Olympics (BBC).According to sources, a Norwegian anti-abortion radical initially claimed that they were responsible for stealing the painting. However, authorities doubted their claim and continued the search for the missing masterpiece. In inch 1994, the gallery received a ransom dema nd from the thieves. The perpetrators demanded for 700,000 equivalent to $1,000,000 in exchange of The Scream.The board members of the gallery as well as the Norwegian government refused to pay because of the uncertainty of whether the demand was genuine or not. Two months after the gallery received the ransom demand and through the cooperation of Norwegian and British police, the painting was recovered unscathed. The painting was found in a hotel room located at a seaboard town outside of Oslo. It was said that the area of recovery was the place where Edvard Munch created most of his masterpieces. By 1996, four men were conditioned and convicted from stealing Edvard Munchs most important version of The Scream (BBC).The Scream Theft 2004In August 22, 2004, an otherwise version of The Scream was stolen at the Edvard Munch Museum. The armed and masked thieves barged in at the said museum in broad daylight. Eventually, the robbers ripped The Scream and another of Munchs painting, The Madonna, from the gallerys wall right in front of the stunned visitors and museum staffs. The robbers hurriedly loaded the art pieces into a vehicle. Hours after the incident, Oslo police recovered the get away car as well the paintings frames (Associated Press AP).According to reports, the museum was lightly guarded, and the police who immediately responded to the scene received tips from different people. The event led to a across the country hunt for the missing artworks. Specific motives were unclear. However, experts claimed that the paintings must have been stolen for the thieves to demand ransom or to serve as a trophy robbery in order to impress other art thieves and criminals, yet no words were heard from the thieves (AP).Just like The Scream heist in 1994, The Scream version in Edvard Munch Museum has no set price. According to John Oeyaas, the managing director of Oslo Forsikring, the company which insured the paintings against damage, the work of Munch was not insured against burglary. Apart from this, Oeyaas noted that the artworks were irreplaceable and were impossible to be sold. Thus, insurance of an artwork is nothing because the loss of an irreplaceable piece cannot be compensated by anything (AP).In May 2006, cardinal men were arrested and were found guilty of stealing the two paintings. A court in Norway pressed the verdict against the perpetrators. The thieves were identified as Peter Tharaldsen, who was the driver behind the heist, Bjoern Hoen, identified as the theft mastermind, and Stian Skjod, one of the gunmen who barged in the museum. Tharalsden and Hoen were both sentenced for nine years in prison while Skjold received five years of imprisonment. The other gunman died from drug overdose in that same year (Scream Thieves)Three months after the arrest of the thieves, the Olso police retrieved Munchs two paintings. Both the items had minor marks and tears but were solely in good condition. By September of 2006, The Scream, alongsid e The Madonna, was once again exhibited and was later on restored in the museum with the protection of heavy glass boxes (BBC).It is evident that Edvard Munchs the scream is one of the most important art pieces of today. Likewise, it serves as an inspiration for many artists and continuously pervades the popular culture (Porter and Prince 117). The Scream is one of the few artworks that truly expresses and discusses the meaning of anxiety in life. As such, this fragile piece of art has been so popular that after two times of becoming the object of theft, it was able to scream for escape and survived the ordeal to be seen by people who truly appreciate the depths of life.Works CitedAssociated Press. Munchs famous Scream, Madonna stolen. MSNBC. 23 August 2004. 08 October 2008 http//www.msnbc.msn.com/id/5787000/storyContinued.British Broadcasting Corporation (BBC). 1994 Art thieves snatch scream. BBC News. 12 February 2008. 08 October 2008 http//news.bbc.co.uk/onthisday/hi/dates/storie s/february/12/newsid_3591000/35919 94.stm.Fineman, Mia. existential Superstar Another look at Edvard Munchs The Scream. Slate.22 November 2005. 08 October 2008 http//www.slate.com/id/2130897/.Porter, Darwin and Danforth Prince. Frommers Norway. Norway Frommers, 2007.Taylor, Mark. Tears. Albany, New York pass on University of New York Press, 1990.The Scream Thieves Jailed. Art News Blog. 24 April 2007. 08 October 2008http//www.artnewsblog.com/2007/04/scream-thieves-jailed.htm.

Scriptures of Rig Veda in Hinduism Essay Example for Free

Scriptures of Rig Veda in Hinduism EssayThe Shinto theory of humans of mankind holds a remarkable similarity with the theories propagated in scriptures of Rig Veda in Hinduism. though appargonntly twain the religions have flourished in completely isolation, the theories of creation propounded by Shinto religion bears a significant similarity to Hinduism particularly in description of evolution of earth and the succession of human beings from gods. The tactile sensation of God as being the originator of entire creation is central to both.While Shinto describes the creative activity before creation as a mixture of dark and bright parts of cloud, Rig-veda asserts that in the starting signal only darkness prevailed, completely devoid of any sign of existence in the trend of light, air, or ether. . Only God was present to initiate the evolution. According to Shinto, after the separation of heaven from earth, depending upon the density of pay off material and the proportion of brightness and weight, a reed was born(p) between earth and heaven.It is cited that the first God Kuni-toko-tachi no Mikoto was born from this reed. Interestingly, Rig Ved also cites a passage tellling that victor brahmin, who is believed to be the father (creator) of universe in hinduism, was born out of a flower. However, unlike Lord Kuni-toko-tachi no Mikoto , Lord Brahma was born from a flower that grew from the stomach of Lord Vishnu. Both Lord Kuni-toko-tachi no Mikoto and Lord Brahma are one of the first Gods in Shinto and Hindu religion respectively and bear a be as the cause of their birth.Both the theories give a sequential detail of formationm of earth and its components, beginning form prevailing darkness to the formation of different components of light. Shinto, however, gives a comparatively unique and consistent theory of creation whereas the details provided by Rig Veda are multi-faceted and at many occasions, inconsistent. While some portions of Rig-Veda descri be Brahma as Lord Shiva as the first God, creator of the system, some other passages have depict Lord Vishnu as the originator and driving force behind the universe.It is mentioned that all the Gods had been created form the pores of the body of Lord Vishnu. As far as the physical developments of planetary systems and earth are concerned, many a times, both the theories prescribe a sequence of events evidently similar. The evolution of earth from darkness, formation of water, and emergence of life in water has been prescribed in both the theories, though these details are frequently confused by the inclusion of different roles played by different Gods.Shinto proclaims that Izanagi, the second god created by the eldest God carved an island by immersing his spear in an ocean and thendrippng the water on it, which turned itself into a mass of land, which later turned out to become the habitat of Izanagi, and his wife, Izanami. They later made more islands and japan was thus born. Shi nto, also gives a detailed explanation of the formation and evolution of earth and other solar components, again infused by the dramatic and, at several occasions, confusing roles played by different Gods.

Globalization and BTL Essay Example for Free

Globalization and BTL EssayThe impact of globalization on BTL has been positive with change magnitude indicators which show study progress in change magnitude levels and adjoin. The 1990s witnessed moderate stinting growth for Belize which resulted in a record growth of resound run with an average annual growth rate of ten percentage. Also with the increase in teledensity, there have been improvements in earnings modernisation (BTL, 2008). The capacity of BTL has added to the benefits. The percentage of digital personal credit lines is reported to increase by the end of the decade. The number of lines per employee has in like manner change magnitude which points towards an increased growth path that tends to reach efficiency levels which are similar to developed countries. The objectives of the telecommunications reform in Belize have been mixed. The achievements in terms of penetration and nettle are uneven. There is an internal growth violate in urban areas with full(prenominal)er access as compared with lower border penetration levels in the rustic areas. This limitation has been ca using upd by the inequalities of the telecommunications infrastructure.Metropolitan areas tend to have most of the infrastructure concentrated term nominal work are offered in rural areas. Growth in the telecommunications celestial sphere has been slow in 2007 because of the high be of installing the network and lack of profit susceptibility of the service in rural areas (BTL, 2008). Mobile tele telephony services together with changes in technology have begun to experience an accelerated process of growth in Belize. The mobile phone market place in Belize enjoys less regulatory dependence and the need for survival of the overriding company.The overtaking of fixed telephone services by mobile services was driven by the entranceway of pre-paid systems. The average growth in users of mobile telephony was thirty percent in Belize in 2007. BTL has entere d into a consolidation process where mobile telephone services are becoming part of the picture. The level of zing and growth of the telecommunications sphere has been spectacular especially for the mobile telephone services (BTL, 2008). This increases the access to telecommunication services. til now the government continues to focus on promoting fixed line connectivity and internet access.BTLs introduction of mobile phones has support in increasing the access to telecommunication services and closing the digital divide. The pre paid option has been lovely for Belizeans because of universal access and convenience for lower economic groups. Research besides shows that Belizeans prefer mobile telephone services over traditional telecommunications access. One of the advantages has been that the lower activation cost for the user in the eccentric of mobile services as compared with fixed telephone services.The pre paid option withal offers attractive alternatives for multitude because it allows the user to control costs and avoid signing contracts. The operator in any case finds it cost effective because it does non have to send monthly account balances. BTL mobile telephone services have lower costs in terms of initial costs and usage costs. The cost of mobile telephone services is half that of fixed telephone services. The number of mobile phone subscribers has increased from nine percent to thirty percent in 2007 (BTL, 2008). BTL has improved its performance since the advent of globalization because of lower transaction costs and curbd uncertainty.This has increased the efficiency of markets and administrative organizations. The company has contributed in assisting agricultural companies in comparing prices in various markets. It allows them to achieve the highest prices for their produce and eliminate dependency on local middlemen. It also enables them to modify their products and respond to market select (BTL, 2008). BTL has also helped to assi st organizations in ordering spare parts and immediate contact with technicians which can reduce time lost due to broken machinery.Business organizations have also reduced their inventories because replacements can be ordered and delivered as needed. Contact between producers and shippers can be arranged on schedules for delivery of products to markets which reduces the lay on the line of spoilage. It also has assisted in significant savings in personnel time and travel costs. BTL has also assisted in maximizing the efficiency of shipping so that trips are not wasted while consumption of fuel is minimized. Industries are also migrating to rural areas which allows for decentralization of economic activities.BTLs mobile phone services have also increased as rural areas prefer them for their economic development. It allows rural areas to use them heavily and spend their income on mobile phone services (BTL, 2008). The demand for mobile phones is heavy in rural and remote areas because of the perceived contribution towards the rural economy. BTL has become highly popular because of its cheap services. The telecommunications sector in Belize is dominated by BTL which has a monopoly on telecommunication services in the soil. The 1990s witnessed an annual growth of lines which averaged fifteen percent (BTL, 2008).Line installation has been focused in urban areas which account for lx five percent of total lines (BTL, 2008). Despite the expansion in the number of fixed lines, the investment has not been sufficient to cover demand for the service. The cellular market has been one of the fastest outgrowth in 2006 and 2007. notwithstanding BTL faces the challenge of come uponing the growing demand of basic services and data communications. A fast growing internet market has also not satisfied the expectations of consumers. The liberalization of the market has brought benefits as the country uses resources to meet new demands.The mobile sector has the longest growth rate because of the rise in standards of living. The mobile sector is also attractive because of its reliability, efficiency, and low cost as compared with the fixed telephone services. Globalization has also helped BTL in digitizing the telecommunications system as the proportion has grown from thirty percent in 1998 to fifty percent in 2007 (BTL, 2008). BTLs fiber optic network links several neighboring countries. The network allows connections to submarine cables and networks operated by other countries. BTL provides cellular services to a man-sized number of subscribers.The cellular service has increased its reporting in the past years with services being moderately good for consumers. Liberalization has enhanced the ability of BTL to purchase and acquire cellular phone technology for consumers. Telecommunications reform has assisted BTL in improving its efficiency and meeting the demands of the changing environment. The government wants to give BTL complete administrative, te chnical, and financial independence with some functions controlled by the government. It also aims to allow for joint ventures and strategic alliances with other companies.Restrictions on foreign participation are also reputed to be removed by the government. It aims to state the public interest of modernizing and developing telecommunications through the process of liberalization of the market in order to allow market participation. A capital investment design to upgrade the countrys GSM cellular service and deploying wireless technologies in the rural areas was announced in 2007 (BTL, 2008). The company also increased funding for network development by investing an estimated forty three million dollars.It also installed eight hundred and fifty MHz frequency equipment to increase the coverage of cellular phone consumers. An updated prepaid intelligent billing system was launched in 2006 which would facilitate and provide user friendly services (BTL, 2008). This program was also re puted to stimulate demand for mobile phone services of the company. A new wireless network with a frequency of four hundred and fifty MHz has also been proposed which will provide telecommunications services for businessmen, professionals, government officials, security forces, fishermen, and other residents with mobile phone services (BTL, 2008).The companys fixed line services have not been successful because of globalization. This is because of the unstable economy and low population in large parts of the country. Fixed lines are concentrated in the urban areas where they provide services for certain guest groups. BTL has reported losses in fixed line domestic services which include line access charges and per minute call traffic. BTL has also not increased customer rates from 2001 till 2007.It also use several reductions in price for various data communication and satellite services. Internet capacity duty was reduced by a percentage of cardinal percent. Tariff reductions hav e assisted in increasing the number of consumers. DigiCell prepaid customers were offered discounts of twenty five cents for calls. Other features were also introduced which included further discounts for consumers who call for more(prenominal) than five minutes. SMS to email was a service offered for prepaid customers which allowed them to send messages throughout the world.The number of DigiCell consumers rose from ninety three thousand to one hundred thousand in 2007 (BTL, 2008). The total number of cellular consumers has rise to one hundred and eighteen thousand in 2007 (BTL, 2008). Siemens has been providing technical assistance to BTL for the maintenance of the cellular network. The company has also aimed to create modern cellular equipment along with high speed internet services to consumers. Globalization has assisted the company in increasing its cellular business which now comprises a major portion of its net income.The rapid growth of BTL has allowed it to implement cust omer friendly billing and care systems. over-the-hill systems have been gradually phased out. Post paid customer and billing system will be apply in various stages of 2008 (BTL, 2008). BTL will be able to access information of consumers which will help it to increase its reliability and effectiveness. Other major developments have been the use of information technology systems to enhance the administrative, technical, and financial functions of the organization.

Policing in the United States Essay Example for Free

Policing in the United States EssayDoes native land security issues influence the way police enforce the law? Please give an exercising. I see to it with the statement that m another(prenominal) country security issues do influence the way the police enforce the law. My reasons for doing so go away make most people agree with me. If a country is very strict to the highest degree its homeland security issues example the United States after the 9/11 attacks, the police every(prenominal)ow for have a to a greater extent autocratic role to play.In contrast to this, a country which is seemingly lax about its security issues such as India (where policemen are not equipped with weapons but with sticks to deal with any anomalousness in the law and order situation) or even the United States before the September 11 attacks, will see the police play more of a peace keeping role than a reform school and punishing one. If the country is at high risks from terrorists, policemen wil l be influenced such that they will be more stringent in their duty performance, will check every comical person or suspicious looking immigrant etc.similarly, if the country is at risk from bomb threats or hijacking threats, the policemen will be more then strict in the performance of their duties. So the circumstances of a country do affect police enforcement of the law. An apt example oer here (if an example of a country other then the US can be given) can be given of Pakistan and the emergency it imposed in November 2007. The police were given sweeping powers such that they could arrest people without proper investigation all in the name of maintaining proper law and order in the country (Thomas , 2006).Does Policing in the United States presents a quandary between the propers of the psyche and the need to maintain public order? Please let off and give an example. To this question, my effect would also be yes. I would say this is mainly because of the September 11 attacks a nd the big affect it has had on our countrys security. On one hand, the United States condones the rights of individuals and declares human beings sanctity to be above that of the higher(prenominal) Being. But on the other hand, its law enforcement methods, particularly in regards to immigrants, especially Muslims, leave a assign to be desired.If the Human Rights act gives everyone permission to freely practice their religions, then this country has no right to subject certain people to greater suspicion only on the basis of their religion (Anthony, 2001). Similarly, the rights of an individual grant him the freedom to live his life as he seems fit. At the same time, police a great deal interrupt bar room brawls and arrest drunkards. So this is not following the human rights act to its letter. An example of this conflict between the rights of individuals and the need to maintain public law and order is of the Guantanamo Bay detention cantonment on the shore of Guantanamo Bay, Cub a.Rights of individuals are abused there such as keeping them in indistinct detention, torture, beatings, locking in confined cells and sleep deprivation. But the United States government under George Bush argued that such measures were necessary if the American Public was to sleep safe at night as the men were all dangerous terrorists and criminals. Now President Obama has ordered the detention camp to be closed but it is unruffled an apt example when discussing the above statement. Q3 How does the era of Homeland security affect community policing? Please explain and give an example.Community policing involves expansion of police functions and no longer a stress on traditional police duties. It proposes big changes in the way things have always been done including organizational change, liaison with remote sources to solve problems and a more proactive approach to solving problems. It deals in many different areas such as school safety where it recommends assigning police offic ers to schools and educating teenagers on the danger of possessing firearms to police integrity which targeted trustingness between the community and the police.It was a relatively adequate policy until the disastrous September 11, 2001 attacks where the police were pressure to rethink their strategy. They started concentrating more on pressing security concerns and terror attacks and suddenly this Community Policing system was termed incompetent (Wesley , 2003). I disagree with this current policy because in my opinion, Community Policing was a very balanced approach, where usefulness provision, crime control and order maintenance were given equal weight age.It is followed now to a lesser extent because policemen are now too busy addressing security concerns to concern themselves with building a kempt relationship with the community. But seeing the benefits of this method, the country has started adopting it in its spirit again such as the result of people being employed by t he US Police Department is steadily increasing over the years. References Book Thomas, F. A. (2006). Police Field Operations. Prentice Hall. Anthony, M. (2001). Public Order and Law . Boydell Press. Wesley, G. S. (2003). Community Policing. Wadsworth Publishing.

Wedding of Mary and Joseph Essay Example for Free

Wedding of bloody shame and Joseph EssayProduced in the late seventeenth century, Wedding of bloody shame and Joseph is Peruvian painting of an unknown fine artist. An cover painting on canvas, Wedding of Mary and Joseph depicts the couple getting married before the spunky non-Christian priest who is clothed in a richly flower-patterned hooded mantle (Wedding of Mary and Joseph). There are clergymen assisting the high priest. Joseph is carrying his staff which has flowers at the top. Moreover, both the bride and bridegroom have golden halos. Ann, the mother of Mary stands right shadower the bride. By Anns side is a suitor of Mary who has been rejected by Gods command. The suitor is seen breaking his staff, which has not flowered desire the staff of Joseph (Wedding of Mary and Joseph). The painting is enriched by gold stamping, which unifies the composition (Wedding of Mary and Joseph). There are Peruvian flowers as well as long tailed bird scattered on the terms where Mar y and Joseph stand. This transfers the scene of the Bible from the blessed Land to Peru (Wedding of Mary and Joseph).Furthermore, it describes an important movement in Peruvian art history by the name of Cusco School (Bennett). Indeed, I chose this painting to review because it relates to a very important period in Peruvian history. Spanish colonization had not only managed to transfer the Spanish search to the Spanish territories rough the globe, but also brought European art into Peru (Bennett). The Spanish Inquisition had claimed many lives in Europe. In Peru, the Inquisition had centered on the discovery of people who were Jews by birth, but had claimed to have converted to Christianity.These people were suspect to have gone back from Catholicism to Judaism. Thus, the Peruvian Inquisition was about punishing the Jews or converted Catholics for apostasy (Lea). The Peruvian Inquisition had taken place in the seventeenth century. Seeing that the sociopolitical environment of Per u rotate around religious affairs at the time, it is not surprising that the Christian, Peruvian artists started a new art movement the Cusco School to create religious art in particular (Bennett).As a consequence of fact, the Wedding of Mary and Joseph is a perfect example of Cusco art. The Cusco School happens to be the largest movement of art in the Peruvian art history. The movement was represented by mestizo painters and sculptors who produced countless depictions of religious figures adorned in gold (Bennett). The Spanish colonizers had used religious art to teach Christianity to the New World. Subsequently, the native artists of Peru had begun to meld the European art with their local style and tradition (Bennett).So, while the figures of Mary and Joseph in the Peruvian painting kick downstairs the European, Christian influence on the Peruvian artist the flowers and long tailed birds of Peru scattered on the ground show that the artist continues to love his land despite the colonization. The golden halos of the bride and the bridegroom are, of course, the signature of the Cusco School. Hence, the painting, Wedding of Mary and Joseph, reveals itself as an excellent tool to understand the culture of Peru with respect to Spanish colonization. In fact, I like this painting very much because it helps me to understand the history of the Americas in great depth.Most importantly, it helps me to appreciate how artists are influenced by their environments and the times.Works CitedBennett, Caroline. Art and Architecture. Viva Travel Guides. 3 Dec 2007. http//www. vivatravelguides. com/south-america/peru/peru-overview/art-and-architecture/. Lea, Henry C. Inquisition in seventeenth Century Peru Cases of Portuguese Judaizers. Modern History Sourcebook. 3 Dec 2007. http//www. fordham. edu/halsall/mod/17c-lea-limainquis. html. Wedding of Mary and Joseph. Brooklyn Museum. 3 Dec 2007. http//www. brooklynmuseum. org/research/luce/object. php? id=49368.

Social Media and Banking Essay Example for Free

cordial Media and desireing EssayIntroduction amic fitted media and imprecateing do not seem to take away a strong relation at the first present on the teetotumic, but atomic number 18 indeed complexly related in todays land with the continuous evolution of the bordering sector and the huge imp motivate of kindly media on the masses. firearm today nearly world(prenominal) banks are using favorable media as a connectivity and marketing tool with its clients, Indian banks are also not far behind. ICICI, superstar of Indias biggest banks, al aloneegey boasts a Facebook app allowing clients to view their account details, check statements and provoke their debit card, among former(a) activities, but still maintains a cautious attitude to affectionate media schema. While thither is no doubt that societal media is all the rage amongst retail and advertisings sectors, it is yet to make major inroads in the financial receiptss and banking sectors. A in the raw re port from Ovum, the technology arm of market analyst theater infomonitor reveals that a bulk of banks worldwide arent yet ready to embrace affectionate media.Privacy and Data Security are two of the biggest hindrances to mass-scale accessible media adoption in the banking sector. more(prenominal)over, to a greater extent banks do not recall societal media gives them an edge to engage customers. In fact, they believe that its a dangerous proposition which may compromise sensitive financial data .Startling as it may seem, the recent Ovum query indicates that 60 per cent of the worlds retail banks hold up no plans to spend affectionate media in the future. in that respect are noticeable exceptions though UKs First Direct, Australias NAB, Wells Fargo in the US and Rabobank in the Netherlands have adopted hearty media as a communication line of business. While Ameri passel banks mostly swan on twitter, Australias NAB apply YouTube and Twitter to pacify disgrunt guide customersafter its online banking system down over.And going by the encouraging response received so far, the move show ups to be fetching the coveted results. 14 per cent banks contemporaryly use fond media as a marketing tool, with a and 12 per cent planning to use it to promote their business by the end of 2012. slightly challenges which the sectors susceptibility face are as follows The banking sector relies on sensitive financial data all the eon. though Facebook has made some(prenominal) changes to its seclusion norms over the last couple of categorys, a lot much needs to be done in order to simplify who drop deads to see what information. Perhaps, a different set of privacy controls for banks and financial institutions would help.Given the current situation, its unsurprising that most banks prefer Twitter over Facebook as the former has virtually no privacy vulnerabilities. The Ovum report indicates that social media withdrawers a massive untapped opportunit y for financial institutions. Con tickerer confidence in the banking sector has hit an all-time low and a in-person touch of social media would serve as a perfect shot in the arm to defraud the struggling global financial industry. Before we plunge into this fast deepening relation amid social media and banking, let us first understand some basic concepts ab reveal banking and social media separately.BankingUnder the primaeval Government Act,Section 5(b) in The Banking Regulation Act, 1949(b) Banking mingys the accepting, for the excogitation of contributeing or investment, of deposits of silver from the public, repayable on demand or otherwise, and withdrawable by cheque, draft, order or otherwiseIn general, a bank is a financial institution and a financial in enclosureediary that accepts deposits and channels those deposits into lending activities, either second baseer by loaning or indirectly through working capital markets. A bank connects customers who have capital d eficits to customers with capital surpluses.Due to their influence indoors a financial system and an economy, banks are generally spiritedly regulated in most countries. Most banks operate under a system completen as fractional reserve banking where they hold unless a smallreserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the Basel Accords.Standard activitiesBanks act as payment agents by conducting checking or current accounts for customers, paying checks drawn by customers on the bank, and collecting checks deposited to customers current accounts. Banks also enable customer payments via other payment methods much(prenominal)(prenominal) as Automated Clearing House (ACH), Wire transfers or telegraphic transfer, EFTPOS, and automated teller machine (ATM).Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by subject debt securities such as banknotes and bonds. Banks lend money by qualification advances to customers on current accounts, by making installment loans, and by investing in merchantable debt securities and other forms of money lending.Banks return different payment services, and a bank account is rented indispensable by most businesses and individuals. Non-banks that provide payment services such as remittance companies are normally not considered as an adequate substitute for a bank account.ProductsRetail banking* Checking account* Savings account* coin market account* Certificate of deposit (CD)* Individual retirement account (IRA)* Credit card* account card* Mortgage* Home equity loan* Mutual fund* Personal loan* time deposits* ATM card* Current AccountsBusiness (or commercial/investment) banking* Business loan* Capital raising (Equity / Debt / Hybrids)* mezzanine finance* Project finance* Revolving extension* Risk attention (FX, interest r ates, commodities, derivatives) * Term loan* gold Management Services (Lock box, Remote Deposit Capture, Merchant Processing) Economic functionsThe economic functions of banks include* Issue of money, in the form of banknotes and current accounts subject to check or payment at the customers order. These cl set abouts on banks flowerpot act as money because they are negotiable or repayable on demand, and hence valued at par. They are effectively transferable by mere delivery, in the case of banknotes, or by mechanical drawing a check that the payee may bank or bills.* Netting and settlement of payments banks act as two collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to deliver on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geograph ical areas, reducing the cost of settlement between them. * Credit intermediation banks borrow and lend sequent on their own account as middle men. * Credit quality improvement banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers.The improvement comes from variegation of the banks assets and capitalwhich provides a buffer to absorb losses without defaulting on its obligations. However, banknotes and deposits are generally unsecured if the bank gets into difficulty and pledges assets as security, to raise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. * summation liability mismatch/Maturity transformation banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long.With a stronger credit quality than most other borrowers, banks do-nothing do this by aggregat ing issues (e.g. accepting deposits and issuing banknotes) and redemptions (e.g. withdrawals and redemption of banknotes), maintaining reserves of cash, investing in marketable securities that basis be readily converted to cash if needed, and raising replacement funding as needed from various sources (e.g. wholesale cash markets and securities markets). * Money cosmea whenever a bank gives out a loan in a fractional-reserve banking system, a new sum of virtual money is created.Laws Related To Banking In India1.1.Reserve Bank of India Act, 19341.2.Banking Regulation Act, 19491.3.Negotiable Instrument Act, 18811.4.Consumer Protection Act, 19861.5.Limitation Act, 1963sociable Media hearty media employ web- and busy-based technologies to stake interactive dialogue and introduce substantial and pervasive changes to communication between organizations, communities, and individuals. Social media are social software which mediate human communication. When the technologies are in place, social media is ubiquitously accessible, and enabled by ascendible communication techniques. In the year 2012, social media became one of the most powerful sources for news updates through platforms such as Twitter, Facebook, and Google+.Classification of social mediaSocial media technologies take on many different forms including magazines, Internet forums, weblogs, social blogs, microblogging, wikis, social networks, podcasts, photographs or pictures, video, rating and social bookmarking. By applying a set of theories in the field of media rehunt (social presence, media richness) and social processes (self-presentation, self-disclosure) Kaplan and Haenlein created a classification scheme in their Business Horizons (2010) article, with six different examples of social media cooperative projects (for example, Wikipedia), blogs and microblogs (for example, Twitter), content communities (for example, YouTube), social networking sites (for example, Facebook), virtual game worlds (e .g., World of Warcraft), and virtual social worlds (e.g. Second Life). Technologies include blogs, picture-share-out, vlogs, wall-postings, email, instant messaging, music-sharing, crowdsourcing and voice over IP, to name a few. Many of these social media services can be integrate via social network aggregation platforms. Social media network websites include sites give care Facebook, Twitter, Bebo and MySpace.Mobile social mediaSocial media applications used on mobile devices are called mobile social media. In comparison to traditional social media running on computers, mobile social media display a higher post- and time-sensitivity. One can split up between four types of mobile social media applications, depending on whether the message takes account of the specialized location of the exploiter (location-sensitivity) and whether it is received and processed by the user instantaneously or with a time delay (time-sensitivity).* Space-timers (location and time sensitive) Exchan ge of messages with relevance for one specific location at one specific point-in time (e.g., Facebook Places Foursquare) * Space-locators (only location sensitive) Exchange of messages, with relevance for one specific location, which are tagged to a certain place and read later by others (e.g., Yelp Qype) * Quick-timers (only time sensitive) Transfer of traditional social media applications to mobile devices to increase immediate apprehension (e.g., posting Twitter messages or Facebook status updates) * Slow-timers (neither location, nor time sensitive) Transfer of traditional social media applications tomobile devices (for example, honoring a YouTube video or reading a Wikipedia entry)Mobile social media can also be used on the go when one is not near a personal computer, lap-topetc. With all the new devices that are arriving at our finger tips, gadgets such as tablets, iPods, phones, and many other new products, on that point is no use for sitting at home using ones PC mobile s ocial media has made other sources of internet browsing obsolete, and allows users to write, respond, and browse in in truth-time. New media of social networking such as Instagram allows the world to link and makes space and time much smaller. Instagram allows individuals to snap a photo wherever they may be and partake it with the rest of the world instantly, delivering a social media site full of foreign accomplishments and strange scenarios. This feature was introduced by Facebook and other existing social media sites, Instagram is a recent addition to the social media scene, and has made picture sharing much easier. Mobile social media is a relatively new platform since it is contingent on mobile devices ability to access the Internet.There are various statistics that account for social media usage and effectiveness for individuals worldwide. Some of the most recent statistics are as follows* Social networking now accounts for 22% of all time spent online in the US. * A tot al of 234 trillion people age 13 and older in the U.S. used mobile devices in celestial latitude 2009. * Twitter processed more than one billion tweets in December 2009 and averages almost 40 million tweets per day. * Over 25% of U.S. Internet rapscallion views occurred at one of the top social networking sites in December 2009, up from 13.8% a year before. * Australia has some of the highest social media usage in the world. In usage of Facebook, Australia ranks highest, with over nine million users turn overing almost nine hours per month on the site. * The number of social media users age 65 and older grew 100 percent throughout 2010, so that one in four people in that age group are now part of a social networking site. * As of May 2012 Facebook has 901 million users.* Social media has overtaken pornography as the No. 1 bodily process on the web. * In June 2011, it was reported that iPhone applications hit one billion in nine months, and Facebook added 100 million users in les s than nine months. * If Facebook were a country it would be the worlds third largest in terms of population, larger even than the US. * In June 2011, it was also reported that U.S. Department of Education study revealed that online students out-performed those receiving face-to-face instruction. * YouTube is the second largest search engine in the world. * In four minutes and 26 seconds 100+ hours of video will be uploaded to YouTube. * One in six higher education students are enrolled in an online curriculum. * In November 2011, it was reported Indians spend more time on social media than on any other activity on the Internet. A brief overview of Indian banks-Pictorial statisticsFacebookTwitterThe Why and How of Social Media w.r.t BankingWhy Social media matters to Banks?Whether a banks ultimate goal is enhancing its brand, reducing costs, increasing customer satisfaction, elevateing innovation ,or driving revenue ,social media can be a valuable pursuit. Enhancing the brandSocia l media can play an important role in differentiating brands and making them more relevant to consumers. Much of its power in this regard derives from the fact that in a consumers mind, the most credible spokesperson a company can have is a person worry me. In fact, research shows that the number of people who trust such a hypothetical person more than they trust brands or organizations increases around the world each year. How can banks take advantage of people like me? American give tongue to, for one, created OPEN Forum, an online community dedicated to connecting businesses with each other and providing valuable content to customers with which the company wants to have relationships. Today, OPEN Forum has more than 10,000businesses involved, monthly traffic has reached as high as 1.5 million visits,5 and the majority of content is produced by the community. The result is a new touch point that drives brand affinity, provides American Express with an immense opportunity to crea te brand impressions, and gives the company a chance to be at the effect of important conversations among its customers.Reducing CostsSocial media can be a major contributor to banks ongoing cost reduction efforts, especially as they pertain to service, gross sales, and marketing. For instance, banks can use social media as a low-cost channel to distribute messages, innkeeper conversations, provide customer service, identify dissatisfied customers, and increase the violation and reach of traditional media efforts. Consider Bank of America, which was the first and largest bank in the world to use Twitter for customer service. The bank uses a dedicated Twitter rapscallion on which a wide garland of real peoplewith their actual photos help customers solve their issues. User feedback reveals the sentiment among customers that receiving help through this page is easier and faster than traditional customer service.In addition to driving customer service costs down, the page creates brand impressions across consumers social graphs, thereby allowing other consumers to see the value of the channel for a mix of goals. The channel also can enhance the impact of marketing. Consider, for example, how Discover Bank recently created a Facebook individualism for Peggy, a character from its popular series of TV ads. Today, that character is liked by nearly 9,000 consumers, and interacts with them several times a day. Such campaigns create millions of additional brand impressions inside of Facebook, as well as new opportunities for brands to interact with their customers in a low-cost format.Creating and improving innovation Banks can use the channel to create better, more innovative products and services that reflect real-time consumer demand. chamfer, for example, created an online community of mass-affluent consumers and tasked the group with designing a credit card purpose-built to their specific wants and needs. The result its highly successful Chase foregoingity participation Rewards card. Chase also created a Community Giving program that allows consumers to direct thebanks donations to specific charities. As of this writing, that community had directed more than $5 million to 100 local charities. Through this initiative, Chases philanthropic entity is opening up its decision-making to crowds and involving millions of people in the process Increasing revenue While the use of social media to drive revenue within banks is still in its infancy, results from other industries further on the growth curve are encouraging. Avis, for example, has been able to use a variety of coordinated social media efforts to boost its sales by 9 percentin a competitive, commoditized industry with flat or declining revenues.As an example of a more specific and successful effort, USAA, a financial services provider for members of the US armed forces, allows site visitors to rate products like auto insurance or home equity lines of credit and add a written revi ew. In fact, USAA customers have added thousands of reviews to products, and consumers have responded strongly In the first year of adding product reviews to the site, USAA claims incremental sales of over 15,000 products. This tactic clearly shows a direct impact on growth and demonstrates the value of people like me. In both cases, using social media to unlock change magnitude revenue requires firms to focus on fundamentals. Providing service that customers want to talk about and delivering products that are worth recommending. at a time those conditions exist, the chance of successfully using social media to drive revenue goes up exponentially. A uniquely contend industryFor many banks, all of the examples in the world are not enough to get off the poping blocks. Typical challenges include External communications are strictly governed by a host of rules and regulations that limit what they can and cannot say. Banks mustiness observe strict rules regarding consumers personal information and data security. Sanctioned employees, whether from customer service, marketing, or another usable group, must be knowledgeable about products, services, rules, and how to get things done within the bankand they must be mature enough to make decisions and craft responses to difficult questions. Plus, all this must be done within the strict legal and regulatory framework that banks inhabit and occur within real time in order to be effective.For many banks, technology itself is a major business when it comes to implementing a socialmedia outline. Banks must identify and implement the tools they will need to be active in social networks, from simple listening platforms to sophisticated tools that enable the integration of social media with legacy CRM systems, customer service tools and workflows, insurance coverage and record keeping requirements, and overall marketing analytics. Finally, some banks will need to overcome a lack of organizational structures and in-ho use talent to derive full business value from social media. More specifically, many banks may find they have to close talent gaps and bridge informal divisions between product-oriented teams, all eyepatch gaining superior leadership support for a company-wide approach to social media. This is no small task, especially assumption the fact that most senior leaders are not well-versed in social media.A highroad toward social media masteryWhile the preceding paints a picture of industry-wide challenges, there is a path that banks can use to produce their social media journey. It starts with gathering critical knowledge that will guide the development of their strategy and assure positive outcomes. To begin, banks must strive to understand what their customers, prospects, and competitors are discussing online, as well as the social technologies that seem most relevant. This includes developing profiles of how various customer segments actually use social technology and understand the practical implications of those uses. For example, strategies for student loan customers may vary widely from those designed for private wealth management clients in areas of execution, content, and technology. Banks also must assess their current social media capabilities and activities All too often there are separate, potentially conflicting social media initiatives under way, as well as underutilized technology, insights, and discover. Banks must begin to consider their collective presence versus that of individual lines of business.Consumers dont make those distinctions, and neither should banks. It is critical for banks to get a firm grasp on what competitors are doing in the social media space, and where white space exists. Bank of America, American Express, and Chase all have done this with their respective social media efforts, but that does not mean no space is left to establish a presence. To find this space, banks have to ask two questions of themselves What can we deliver to our customers that we dont offer today, and howwill it provide them with value? Social media sponsors must critically review risk. Specifically, they must identify specific social media concerns, assess their likeliness, and establish processes to handle adverse events. Prior to involving senior management, it is necessary to have answers to these questions, examples of how others have navigated similar waters, and concrete ideas on the trade-offs between risk and reward.And as mentioned earlier, banks must establish clear business objectives and map them to specific areas in which social media can fall in value. All of the above becomes a moot point if efforts are not driven by real business goals. By addressing each of the preceding areas, social media teams can build senior leadership support for and sponsorship of overall social media efforts. In Accentures experience, successful initiatives typically involve one or more executives with deep passion for and experien ce with technology and social media. It is crucial to find and engage these people and use their influence to open the eyes of the broader C-suite.Crafting a Social Media StrategyAll of this work will organize banks for the successful development and implementation of a comprehensive social media strategy. To be effective , such a strategy must encompass the following areasCrafting the VisionWith an overarching framework in place, social media can be designed from the ground up , versus as a collection of disparate tactics .It also can focus on a specific segments and experiences, as well as on the necessary internal piping to implement social media connections across channels. Indeed, every good customer experience is carefully designed and good social media experiences must follow suit.Defining and Measuring Success A Banks Social media strategy must encompass well- be metrics that reflect progress toward the banks business goals ( as defined in the vision). However, first and fo remost , they must align with the equal type of metrics that drive business today . For Example, a social media strategy focused on sales as an outcome should look at driving traffic from social media, converting that traffic into leads, and successfully cross-sellingand up-selling customers that are interacting across social media channels. In effect, viewing the efforts through the same eyes that traditional channels estimate success.GovernanceA social media strategy should include clear governance and effective organizational structures, whether that factor establishing a dedicated social media center of excellence or appointing social media champions across the banks functional groups and/or product lines. Regardless of the specific measures or structures in place , the banks goal should be to support efficient , effective engagement in social media with the right skills, staff, and controls . this organize must be nimble, include processes for iteration ,and have senior lea dership included.TechnologyPerhaps counter-intuitively, it is only when the vision, metrics , and organizational structures have been defined that the bank should start thinking about technologies and the tactics they dictate. Banks Should start with basic learning and listening platforms that allow them to test the waters and identify areas of potential engagement, and then increasingly integrate that platform with existing CRM tools to achieve a single view of customers. Banks must also consider what technologies are appropriate for record keeping and adherence to the policy.Recognizing that not all starting points are the sameThe level of Social Media experience that a bank has plays an important role while crafting a social media strategy. The scope of the social media strategy depends on the relative social media maturity of the bank. The strategy used by a bank that has significant experience in social media will differ in some aspects from the strategy used by a bank which is new to social media. Banks with less experience in Social Media The social media strategy used by the banks with no or relatively less experience in social media should address the following questions * They should pay attention to the scope in terms of the functional areas covered by the strategy, important business goals, and the business processes used to achieve those goals. *They should also focus on building engagement among rudimentary stakeholders and assessing their willingness to participate in theinitiative This is as much about creating an initial coalition of the willing as it is about telling a compelling story on how social media can positively impact business results. * They should also learn from lean on agency partners and others that have been through the fire before. Banks with significant experience in Social Media The social media strategy used by the banks with significant experience in social media should address the following questions * The Social media c hampions within these banks must know when it is time to seek help from inside and outside the firm.This is needed because the expanding range of social media analysis and reporting will begin to overwhelm marketing staff and merits the involvement of dedicated analytical and technical staff. * As these banks begin to expand the use of social media across product lines, they have to design governance models that can keep pace, as well as focus on integrating social media technologies with CRM systems to achieve a truly holistic view of cross-channel, multi-product customers.Successful Integration of Social Media into the OperationsBanks that have been successful in integrating social media into their operations often have grass-root efforts to thank. These banks have passionate leaders who have led social media efforts for individual product or service lines. The key to moving beyond grass roots and getting the entire organization pulling in the same direction is actively engaging s enior leadership. Only then will the full brand-building power of social media truly be realized.How banks use social mediaAccording to the survey conducted by MHP Communications amongst the heads of communications and public relations specialists at more than 35 global banks to gain an understanding into social media habits across the banking industry. In broad terms, use of social media is high with the majority of respondents (53%), using social media both in a private and a business capacity. 30% use social media outside of a work context and 3% for business purposes only. 15% of all respondents do not use social media at all, which is a high percentage stipulation that social media generally sits under the communications departments remit. Whilst social media has become a mainstream activity, it is notable that more respondents use social mediafor personal means than in a business context. When looking at the purpose of social media, it is widely seen as a good source of infor mation on what is happening in the media (75% of respondents).Interestingly it is less seen as a direct route to the customer, but more to communicate broadly speaking and advertise products and solutions More than two thirds say they use social media for communications and public relations purposes, whereas 42% use it for marketing and sales activities. Customer service is a key purpose for 25% only. In the retail banking sector social media has a more established footprint than in the investment banking world. This follows the reproducible conclusion that for customer service and customer engagement purposes the mass consumer market is appreciative of being able to communicate with banks through these new, yet very much established platforms. And banks are increasingly keen to appear more customer-friendly whilst tackling the image the sector has as consisting of traditional and staid organizations. In the investment banking world social media takes on a different purpose, and h as even become a platform to be feared and avoided.It is also not seen as a traditional direct route to clients. This is changing however, and one senior PR private instructor commented that the banks trading desk recently received a client request for traders to be given access to Twitter to monitor and engage with client comments throughout the trading day. The use of social media within the internal communications function is relevant for around one third of respondents (36%) which represents a vast untapped potential given the range of opportunities to share knowledge and information internally that social media creates. Free tools such as Yammer, Twitter with protected tweets or Google+ with individual circles make information available only to a selection of people, so they can be used to streamline internal communication processes. However, and this is a key problem for a heavily regulated industry such as the banking sector, social media platforms are provided by external third parties.Any shared data which is of a sensitive or confidential genius will in many cases be stored on the providers servers which may not provide sufficient protection or peace of mind for the banking sector. Most providers are based in the US where legislation may, under certain circumstances, require them to reveal their clients identities or other data. Also, social media platform providers are commercial operations and there is the risk that data is misused, misplacedor falsely allocated. Many banks find oneself that sensitive data should only be stored and transmitted on their own infrastructure to ensure full compliance. At the same time, regulatory bodies such as the Financial Services Authority (FSA) in the UK aim to make social media more widely user-friendly for banks by publishing guidelines and recommendations.As a issuance there is a high level of insecurity as to what can and cannot be done. Despite these issues, social media is now seen as forming a strategi c part of a communications program rather than representing completely a tactical activity, with 84% of banks now having a specific social media strategy. Nearly one third has started to execute a strategy, and 15% have a fully developed strategy in place. More than 40% are currently in the process of creating a strategy, and only 16% have not started thinking about or have decided not to have a social media strategy in place. A number of banks do have a social media strategy, but no defined goals for the strategy 27% responded that they have not established specific goals for their social media strategy. Measuring the success of a social media program is perceived to be more complicated than for traditional PR which may excuse why metrics and, in effect, goals remain vague.