Thursday, April 2, 2020
The Body Essay Example For Students
The Body Essay The BodyIn Castel Rock Maine, There were four boys Vern Tesio, Gordie LaChance, Chris , and Teddy Duchamp. They have a tree house in a abandon parking lot where they play cardsand hang out. Vern comes and tells the gang that when he was under his portch lookingfor his penneys that he had burried when he was eight he over heard his brothertalking to his friend charlie hogan about the child that was missing but theysaid that they did it and they said where the body was. We will write a custom essay on The Body specifically for you for only $16.38 $13.9/page Order now Gordies brrother died in car crash. Gordies parents never paid any attention to Gordie. There was a story that started in the book,and I didnt get it. Itwas a nudity scene, like a story but just started in the middle of the book. So they each told there moms and dads that they were camping out inthe field when they where realy going to find the dead child. Chris brought a gun that he stole off of his dads bureau. He let Gordiesee it and he told Gordie that it wasnt loaded. So Gordie pulled the trigger. And KA-BLAM. The gun was loaded and he shot the trashcans behind the diner. The waitress came out but she thought it was fircrackers. They started out on there mission walking along the train tracks. Teddy Duchamp played chicken with the train pretending he was aparatrooper, but Chris pushed him out off the way in the nick of time. Theyget into a fight but settle it. They go into the town dump to get a drink of water. It is restricktedto go in there when the dump isnt open. They fliped to see who goes to thestore to get the food. when they fliped they got a goocher which vern says isbad luck, so they flip again ang Gordie looses. Gordie goes to the store to get the food and he gets in a fight with theclerk about being gipped on the money because when Gordie add it up it came outto be less then what the clerk said. When Gordie came back to the dump he couldnt find the guys and henoticed that the owner of the junkyard was here because his car was here. So hetried to make a run to the opposite side of the junk yard. But the man noticedhim a sicked his dog Chopper after him. He made it to the other side to findhis friends standing there telling him to come on. The owner of the junk yard was really mad at th kids for trespasing. But the kids just kept calling the owner names. The owner got realy mad and called Teddys dad a looney. Teddy gotreally mad and said that his dad stormed the beachs of Normady. They had to cross this train bridge the only problem was that theydidnt know when the next train was due. They started to cross the bridge whenthey noticed a train was comming so they started running. Vern and Gordie werein the back when chris and Teddy were up front. Chris and Teddy made it easelybut Vern and Gordie made it by the skin of the teeth. Gordie told a story when they camped out. It was about this pie eatingcontest. This looser in the school was called Lardass. Everyone hated him sohe wanted revenge. He ate a egg and some alchole to make him throw-up beforethe contest. He ate 6 pies and then through-up on the person who was thereturning campion. Then everyone started trowing-up. .u4c2a3fd56c66749c5e11c5a60ad37894 , .u4c2a3fd56c66749c5e11c5a60ad37894 .postImageUrl , .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text-area { min-height: 80px; position: relative; } .u4c2a3fd56c66749c5e11c5a60ad37894 , .u4c2a3fd56c66749c5e11c5a60ad37894:hover , .u4c2a3fd56c66749c5e11c5a60ad37894:visited , .u4c2a3fd56c66749c5e11c5a60ad37894:active { border:0!important; } .u4c2a3fd56c66749c5e11c5a60ad37894 .clearfix:after { content: ""; display: table; clear: both; } .u4c2a3fd56c66749c5e11c5a60ad37894 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4c2a3fd56c66749c5e11c5a60ad37894:active , .u4c2a3fd56c66749c5e11c5a60ad37894:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text-area { width: 100%; position: relative ; } .u4c2a3fd56c66749c5e11c5a60ad37894 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4c2a3fd56c66749c5e11c5a60ad37894 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4c2a3fd56c66749c5e11c5a60ad37894 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4c2a3fd56c66749c5e11c5a60ad37894:hover .ctaButton { background-color: #34495E!important; } .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4c2a3fd56c66749c5e11c5a60ad37894 .u4c2a3fd56c66749c5e11c5a60ad37894-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4c2a3fd56c66749c5e11c5a60ad37894:after { content: ""; display: block; clear: both; } READ: Leadership Attributes in Public Health EssayThey took a short cut through a field to make better time. In there short cut they had to pass a swampy area. when they crossedthe water they noticed leaches all over their bodies. Gordie passed out when hefound a leach in his underwear. When they arrived at the dead childs body along came Verns brother billywith his gang wanting to take away the body and get credit it for finding it butGordie shot the gun into the air and made everyone leave so no one could takecredit for finding the body. The figured the best way to help the police was by a anonymous call totell them where the body was. Vern was killed in a house fire in a appartment building in 1966. Teddywent in a car crash. Chris was stabbed in a chicken store. And Gordie is awriter with a family.
Sunday, March 8, 2020
Common Spelling Mistakes Should You Use Lose or Loose
Common Spelling Mistakes Should You Use Lose or Loose Do you know the difference between the words â€Å"lose†and â€Å"loose†? Do you wonder each time you write one of these words whether you’re spelling it right? Today I will not only give you examples of how to know whether to use lose or loose, but I will also give you a trick to remember forever which spelling is correct. Lose is Always a Verb Some of the most common meanings for the word â€Å"lose†are to come to be without something, to fail to keep track of something, to have someone die, or to fail to win. Here is a list of some things you can lose: keys; money; a job; 25 pounds; loved ones; a game of pool, your virginity, or your mind. Before you get lost in thought about all the things you might lose, let’s move on to our next word. Loose is Usually an Adjective â€Å"Loose†can mean free, unfettered, unbound, or lacking in restraint; a few of its antonyms (opposites) are firm, bound and tight. It can also be used as a VERB meaning to let go of, let shoot or fly, or set free. Examples of Things that Can Be Loose Some things that can be or get loose are: Hair, knots, zoo animals, a sexually promiscuous person, a structure, an interpretation, vegetables in the grocery store, and teeth. There are many idioms that use the word â€Å"loose†such as â€Å"let loose,†â€Å"break loose,†â€Å"cut loose,†â€Å"hang loose,†â€Å"turn loose,†and â€Å"on the loose.†And are any of you â€Å"footloose and fancy free†? I hope the difference between â€Å"lose†and â€Å"loose†is clear. Now, how will you remember which is which? Knowing When to Use Lose or Loose It’s easy. Whenever you find yourself loosely throwing a double letter â€Å"o†into the word loose, ask yourself, â€Å"Should I *lose* the â€Å"o†?†Here are a few tricks to help you remember which word to use. Lose If you want a verb that means â€Å"to be without something,†then be without the extra â€Å"o†! If you want to say you â€Å"didnt win,†imagine the loser paying the winner the extra â€Å"o.†If you misplace something, misplace the second â€Å"o.†Loose If on the other hand, if you want your word to mean free, unbound, or anything loosely in that category, be free with your â€Å"o†’s! Dare I say, â€Å"Use them or lose them?†If you have questions about this or any other spelling/grammatical issue, ask The Essay Expert. You can also sign up for Brendas Grammar Writing Tips List for tips on how to communicate more professionally.
Thursday, February 20, 2020
Madrid Essay Example | Topics and Well Written Essays - 2500 words
Madrid - Essay Example Despite the exponential growth of Madrid as a global city in the world, there exist severe social issues such as social inequality, socio-economic distinction, unemployment, educational differences and gender discrimination etc. The extent of social inequities and uneven development in Madrid is depicted by high suicide rate. Men attempt and commit suicide at a rate higher than women in the city. According to a survey conducted in 1996-97, there were 135 people who committed suicide in which 105 were men and 30 were women.4 In the year 2005, the number of men and women who committed suicide rose significantly to 1,585 and 642 respectively.5 The mortality rate between men and women are different. The differences in suicide rate among men and women can also be explained with the help of distinctions in educational level and socio economic conditions. Out of all the men committing suicide in Madrid, about 63% of men belonged to lower secondary education group. This rate is slightly high er in women, which is 73% at the same educational level. 6 It shows that women at lower education level confront with suicide risk more than men. Suicide rate in men decreases due to increase in the socio-economic well being. This is not the case with women. Surveys show a high level of inequities in Madrid in education etc as compared to the other countries. 7 Mental illness is also a factor leading to suicide which is highly suffered by people having lower socio-economic position in the society. Use of drugs in Madrid is also deeply concerned with the educational level. Drug addiction among women is higher than men. There are serious social inequalities in Madrid with respect to income, education, social status etc that lead to high suicide rates. The lower socio-economic level of people who are attempting suicide reveals the fact of social inequality in the city. As men are more involved with socio-economic activities, this inequality affects the mental attitude of men more than women and thus men have a greater tendency to commit suicide. The concerned authorities have now become more active in removing the inequalities and social gaps among people to decrease the rate of suicides.8 The Madrid city has high social inequalities and issues as compared to other big cities like Paris, New York, Tokyo and London etc. The differences in social and economic status play a vital role in fostering these inequalities among people leading to social issues. People of lower economic level have significant social issues and it is the greatest factor that forces them to take a step like suicide. It is imperative for the government to minimize the existing gaps between citizens in Madrid so as to make the city compete with other global cities more effectively. Women are seriously deprived of their rights not only in Madrid but in whole Spain. In response of this inequality, a movement started in 60's to defend the rights of women called equality feminism.9 There still exists gender discrimination in Madrid with respect to the social and econom
Wednesday, February 5, 2020
Accident victim interview Essay Example | Topics and Well Written Essays - 500 words
Accident victim interview - Essay Example Earlier before the accident in 2005, Mine Safety and Health Administration (MSHA) had visited the site and reported that the working environment did not meet the correct standards. Some of the violations included problems with escape ways, not keeping proper roof standards, and poor mine ventilation. Apparently, the mine has a history of roof falls. On this fateful day, the mine fire boss had inspected the mine and cleared it for use minutes before the first miners entered. Although the miners did not notice a thunderstorm just before they entered, US National Lighting Detection reports there was one. The lighting strike near the mine caused an ignition of methane from a recently sealed area of the mine. The result of this was a big explosion that blew out the seals and transferred smoke, dust, debris, and lethal carbon monoxide to the working section of the mine. Thirteen persons were trapped in the mine resulting to the death of twelve of them who succumbed to carbon monoxide asphy xiation. The victim inhaled carbon monoxide for a long duration, which resulted to unconsciousness. In addition, the poor ventilation in the mines resulted to destruction of some vital organs in the body. The victim stayed in the life support machine for one month and a half because his respiratory system had been destroyed. At the time he regained consciousness after two weeks, the victim could not hear, had a blurred vision, and severe headache. One year down the line, the victim could not do much for himself although he could now see clearly and hear a bit. He went back to work after four years in a different mine. MSHA officials arrived on the scene at 10.30 am but could not do much since the levels of carbon dioxide in the air prevented them from going deep in the mines. In addition, any lighting the power system could have caused another explosion. Later, MSHA found out some violations on the mine that increased the risk of the
Monday, January 27, 2020
Study On The Importance Of Green Banking Finance Essay
Study On The Importance Of Green Banking Finance Essay Introduction In our life money has always play an important and crucial role in almost in every aspect. And in this, bank is an institution which mainly deals with money. According to Freixas and Rocher bank is an institution whose current operations consists in granting loans and receiving deposits from the publics (1999, p1). Till date, the banking industry has improvised his products and facilities to provide it to their customer. No one has imagined that 100 yrs ago, that bank will play a crucial role in 21th century. Now banks are influencing the development and the growth of the economy in the way of both quality and quantity. The major source of financing investment of banking sector is from commercial projects which are important for economic growth. Hence, for promoting socially responsible investment and environmentally sustainability banks play a vital role in it. As we know banks themselves is not a polluters but its having relationships with some companies and institution which are p olluter or could be in future. Banks are environmental friendly as in term of pollution and emission in its sector. In banking sector the internal environment impact is very low and clean as in the usage of water, energy and paper. The impact is not related with banks activities but with it customers activities. Therefore, the impact of external activity is enormous which is difficult to estimate. And environmental management is like a risk management it increases the value of an institution and lowers down the loss ratio. Thus banks should encourage prudent lending and environmentally responsible investment to the institution. Further those industries which are become green and those which are on its way to get green they have to fulfil the priority to lending by the banks. This process of finance can be called as Green Banking to restore the natural environment banks makes the industries to grow green. The concept of green banking will be equally beneficial to the industries institution banks and economy. Internationally, banks and institutional investor for environmentally responsible/ socially responsible investment projects having their growing concern about it rate (Earth submit, 1992). Financial institution and bank can effectively achieve this goal because they have played an intermediary role in an economy and to the number of investors. Now-a-day environmental issue is not only a concern of the government and direct polluters, it also a concern of those institutions which are stake holders and partners of their business. So the bank and other financial institution can provide a vital support in maintain the environmental protection and sustaining the economic development. The bank operate on long term return on their investment and credit, due to the environmental liability there is risk of non -payment and in the reduction of value in credit extension and investment. So it will get more important for the banking sector to follow certain safe procedure for the environment evaluation of the projects before providing them funds. There are some studies has been shown in the positive correlation between financial performance and environmental performance (Hamilton, 1995; Hart, 1995). Thus it will get more important for the banks and other financial institution in the context of environment performance whether to invest in companies or advise client to do so. The environmental management has to follow different rule formation for conservation of the resources like clean water act, toxic substance control act, clean air act. All these are environmental liability for banking institution in a recent (Bindhu.N.Nayak, 2008). Adopting all these principle will be beneficial for the banking sector and to the financial institution as to consumers and also their stake holder. On international scale various strategies has been adopt to sustain development. The multilateral financial and development institution and international consortium has been building up the standard of environment and strategies to estimate the investment projects. The main aim of this paper is to discuss the issue of the banking sustainability and how it can play a role for the sustainable development and growth for the economy, particularly in the India aspect. Methodology The most important and difficult part of the project is methodology. As in this project the research method which is been use to examine the importance of the green banking in economy to sustain the environment with the help of it. There are certain sources to collect a data for the project such as working papers, academic journals, and relevant books. The research has been done by getting secondary data from genuine source such as articles, journals which are issued by genuine newspaper agencies of a specific country. The project is based on the secondary data analysis as getting primary data is difficult because whatever the policies is taking consideration in bank is taken by the top management authorities and it is hard to have interaction with them in personally. Research Methodology Research is to be done to figure out the proper knowledge of the subject in a systematic way. It is analytical and hard working process to figure out the about the fact and theory. The term methodology refers the theory of how research should be done (Saunders, 2009). According to Welman and Kruger (2001) there are various techniques and methods in order to get effectively and scientifically correct information of the subject by applying objective method. Systematically Review The research of this subject is done on the basis of systematic way. And there is already material has been published by a genuine source on this particular subject. As it is said by Gronhaugh and Ghauri (2005) that the word systematic suggest research is based on logical relationship and not just belief. As method of research is consist of explanation of the data collection and the outcome of the facts from the study and finding the limitation of the subject. As Tranfield (2003) stated that traditional reviews are generally lack of information and some time the source of information was not authentic. Therefore, traditional review should be done very carefully and selective which include the evidence which is supported by the genuine authors summaries (Critical Appraisal Skill Programme, 2005). Quantitative and Qualitative Investigation of Methods: It is necessary, first to understand the difference between qualitative and quantitative investigation methods. Generating or using numerical data is called Quantitative data technique and generating of non numerical data is called qualitative technique. If both techniques are using to approach the data then its called mixed method (Saunders, 2009). According to Smith (1981) every method has its own weakness and strength. And as result may be differ as the use if the different technique and approaches by the researcher. Usually researcher goes for the qualitative approaches which consist of analysation of words through illustration and non- standardised frame work and comparison. As the project is an illustrative research and the objective is to understand the importance of the Green Banking in the India. Corbun and Strass (1990) has explained that the use of qualitative method is to understand the aspect of the subject. And it can be useful in understanding more about the subject which is already known. Quantitative methods can be use to gain insights approach to the issue which is sometime not possible to get the results from the quantitative method. Therefore, to describe key issues researcher prefer to use the quantitative methods especially in the case of transfusion service management which is not possible to get through from the quantitative method. The classical structure of literature reviewing according to the researcher is like; Study of basic level of banks and its importance in the economy. And research has been done on the Green Banking at international level. Then at what level Green banks are taking initiative in the Indian economy. Accumulation of the Green banking policy and more narrows down to the work to get the objective of research. To get the transparent literature review, researcher have to describe all the approaches which make to search the selected literature, key words, outline of the choice and data base (Tranfield, 2003). To analysis the literature several journals, books, articles and electronic base data were use. Source of Tool: To get the relevant material Ministry of Commerce and Industry, India site have been re-examine which is an official website of India. There are other search engine has been used such as Google scholar and University Library site has been used to gather the resources but university Library site is come to notice that there are very less journal are available regarding Green Banking. Analysis of Secondary Data: According to Haakim (2000) secondary data from different sources can also be combined if they have the same geographical basis, to form area based data sets to get the answer of the research question secondary data can be use as in getting the objectives which is aimed for the ample assembly. Genuineness of the facts is tested by the reputed database which is publicised by the authentic resource. The aim of this study is to analysis the secondary data methods while investigating the facts and do the international comparisons and to understand the potential outcome that why Green Banking is very important in the developing countries and how they are playing a crucial role in sustaining the development of the economy like India. Aim and objectives of research: The purpose is to learn what strategies leaders in emerging market growth have adopted to attract FDI and how financial services play major role. The purpose is to develop a model for both categories and test the model empirically to substantiate the hypotheses. What are the lessons that laggards can learn from these leaders? The study intends to show a path to the PIN countries and other markets that will emerge in next two decades. Therefore the objectives of this research are as follows: To illustrate the benefits and shortcomings of Foreign Direct Investments in developing countries like India and China. To understand the impact of FDI on gross domestic product of these emerging countries. To examine current situation these economies and analyse the future possibilities of growth. Limitations of the study: This is systematic review based study of the available literature in the area of Green Banking. Genuiness is the touchstone of Analysising the literature. Whereas, there are general and accurately presented material is available about Green Banking in European countries but very few literature was found related to the Green Banking in India. And even thought their not much significant data or literature has been get from the Google scholar and University Library or any other search engine regarding Green Banking in India. Whereas, sincere efforts has been done by the researchers to get the authentic data from the genuine source and the judgement has been done on the secondary the data. Research of the Credibility: There is certain research tool to examine the credibility like Generalisability, Reliability, and validity. Dochartaigh (2002) described it as,assessing the authority or reputation of the source. Validity: In the case of qualitative research the degree of validity is to be tested. To get the correct result, test of validity is important. Validity is concerned with whether the findings are really about what they appear to be about, is the relationship between two variables a causal relationship.(Saunders, 2009). This is a valid research because it is based on systematic data analysis from the genuine resource and on the basis of this research the question has been answered. Reliability: Reliability define by Joppe (2000) it is a consistent of a result which represent the accurate number of data is presented over the time and the study of result reproduced the same methodology then it can be said that research is reliable. If the research contains the systematic review of the available secondary data of same objective with a same topic and same results then the research of study is reliable (Golafshani, 2003). Triangulation: The term triangulation means that the collection of different data technique, which ensure about what you are thinking that they are telling you (Saunders, 2009). According to Mathison (1998) it is crucial for the methodological issue in quantitative and naturalistic approaches to establish valid proposition and get control on bias because alternative epistemology is incompatible with the scientific traditional techniques. But this research is based on the secondary data analysis not from the primary sources. So, this method is not applicable for this research. Consideration of Ethical: This research is completely based on the secondary data review and not on the primary collection method like interviewing or questionnaires etc. So, the approval of ethical and confidentiality is no use in the research. The collection of data is based on books, articles, journals and reports. The research material which has been used is properly referenced and checking the authenticity of the resource to avoid the plagiarism. Importance of green banking Until now, the business operation of financial and banking institution were not acknowledged towards the environmental concern. Generally, the environmentally degrading activities of banking sectors is like obstructing or getting in the way of business affair of their client. Nevertheless, it will be risk to their business if they were dealing with the environment. Although, there are indirect cost to the banks as they are not directly affected the by the environmental degradation. It is due to the firm environmental regulation which is enforced by the other countries authorities. In the case of failure, the industries have to face the consequence which leads banks to its closure. For example, in 1980 comprehensive environmental Response, Compensation and Liability Act (CERCLA). There was a huge loss for the bank in 1980s in U.S. The bank was directly responsible for the environmental pollution of their clients activities and made them to pay the remediation cost. Thats why banks in U.S are more concern about the environment while lending the fund to their clients. In European countries banks held directly responsible for any misdeed has been done by their clients. Therefore banks and other financial institution have to engage with their stakeholder on social and environmental policy. So that their clients investment can be evaluate. This would make clients to build up a proper management for social and environmental policy issue regarding investment. The green banking is important for both economy and the bank, by escaping from the risk which is involved in the financial sector. Legal Risk: there is a relevant environmental legislation risk for banks if they do not comply with it. More particularly, there is more lender liability risk for paying up the claims and the cost of damages for pollution causing to the asset or depraved. Banks can be helped by the environmental management by enhancing it image and reduce the cost and risk and taking advantage of revenue opportunity. Reputation Risk: As now there is more awareness about the safety of environment and banks may loosen up their reputation if they involve with the big project, which are indulging in the environmental destruction. Environmental management system have a few cases as in good result in cost saving and increase in the value of the bond (Heim, G et al, 2005). Sometimes it has lower risk, great environmental stewardship and increase in profit. Reputation risk is involved in both ethically and economically. By adopting the green banking strategies bank can deal with these risks. There are two components are involved in green banking strategies (1) innovative environmentally oriented financial products (2) managing risk environment (IFC, 2007). Banks have to make a proper arrangement for environmental management system. So that risk can be evaluate which involved in the investment project. The risk can be adopted by recommending the distinctive techniques and rates of interest. From high risk project banks can withdraw fund from it. Creating services and financial products is a second component of green bank which support the environmental benefit with commercial benefit. All these comes in bio-diversity conservation, investment in renewable projects energy, investment in technologies, energy efficiency, environmental investments in mutual funds and bonds (WBCSD, 1997). There should be protective polices for the liability guideline on development and environmental risk. The financial and banking institution should prepare a report of every project they invest and finance (Jeucken, 2001). For projects seeking finance they can have an environmental assessment. For each project bank can outcome with an environmental hazard management procedure and follow it. The big financial institution like Japan bank for international cooperation (JBIC) and International financial corporation (IFC) have consolidated with environmental management in their business strategies. All projects are taking consideration into terms of environmental impact in an account factors like, the substance scale and sector of the project, uncertainty and the degree of environmental impact proposed project site. Even World Banks are lending loan to the beneficiary country on the certain level of commitment that they adopt the environmental protection measures. Over time there is a change in the environmental norms to follow the agreement. And it is considerably bit costly to follow up the standard and environmental norms. If the economic benefits can be consider in the terms of productivity health care and insurance then the cost is not much higher than the benefit. In the study its confirms that 14 billion pound had been caused in the medical expenses and 200 million working days had been loss due to air pollution which resulting in losses in productivity to the European union (Stavros Dimas, 2005). Technologies which are environmental friendly practically decrease the financial burden and also building up the economic sense for the industries. Due to the more environmental awareness among the consumer in all over the world the pollutant industries were facing resistance by the consumer which often cause them massive boycott and close down of the industries and the cost is adding enormously. The concerns about environment are articulated into the international policy trade and act as a blockade for ESGs (Environmentally Sensitive Goods). So affirming modes of production and sustainable technologies are now not taking as a financial burden. Although, it providing high profits and new opportunities for the business. Green banking has neutralized the risk, save the cost and up brings the reputation of banks. So it serves both the commercial objective of the bank as well as its social responsibility. Green banking solves the problem faced by the environmental regulation and enforcements authorities related to size and location of the polluting unit. The authorities have practical limitations on enforcing environment standard on small-scale industries and also industries located in far off places. International initiative of green banking At international level there are many banks who have taken initiative to get their branch green. There is one bank name PNC Financial Group Inc which is based in Pittsburgh has certified as a green bank. PNC green bank does not stop with getting eco-friendly construction. They include there parent company business model in developing their products, marketing and giving training to their employee. PNC is one of the banks who have taken the green concept so seriously that it evolved the idea into the brand of the company. PNC has started its construction of getting green bank in 1998. They had selected 17 different sites for their location and make sure that it is easily accessible through transportation. Then they had planned to build their building accordingly to U.S Green Building Council (USGBC) and Leader in Energy and Environmental Design certification process. In 2000 the building was completed and it was the largest LEED green certified building in the world. Some of the new features have been included into the building structure like the lobby of the building is eco with a green roof. It was stated by Gary Saulson the director of the corporate real estate that you can walk into the building lobby on 90-degree humid day without any problem because there is a three- story water wall in the space which work as coolant radiant which maintain the inner temperature of the bu ilding. Because of this innovative method PNC has set a new standard of development. And it has been appreciated by the mayor of the city for setting up the standard of eco-friendly responsibility and quality development in the city. And in 2007 PNC Bank has secure 20th rank among the Best Green Company for America Award (Deb Stewart, 2008). Now PNC has more than 58 eco-friendly branches all across the state. And 41 branches has also obtained the Benchmark of Green Bank most of the branches has granted the LEED certification. As all of these branches has follow the eco-friendly process such as; Recycling: Near about 15 percent of furniture fabric and carpet is made of green material or recycle material for example Door and cabinetry are made of wheat board which process by the wheat product. Water and Energy Efficiency :- the usage of energy has been reduce by 50 percent because of the high-tech system installation in the building and maximum usage of the natural light and water usage was also reduce by 6200 gallon in year. Reduction in land waste: Wastage of construction material like steel, wood and cardboard is to be recycled. By doing this 150 ton per branch wastage has been reduce. Using of the pre-made panel for exterior has reduced the waste, while constructing the panels. To protect the ozone layer non- chlorofluorocarbon refrigerant are use for cooling the system (Deb Stewart, 2008). In 90s the United Nations environment programme has launched a program which is known as UNEP finance initiative (UNEPFI). Under this, near about 200 financial institutions of all around the world has taken the participation and signed the initiative statement to promote the environmental development (Jeucken, 2001). The main purpose is to merge the social and environmental dimension to the financial performance. According to the UNEPFI, the sustainable development is a basic thing for the business management. It supports for the elementary advance to the environmental management and offers reconciling environmental discussion into the asset management business operations and other decision of the banks (Earth Submit, 2002). In 1991 the IFCs environmental panel was established for receiving the environmental assessment project. ABN-Amro banks which is Netherlands based banks who has developed certain polices like reputation risk management (RRM) to recognise, manage the non- financia l and asses within their business strategies. Likely, the big international banks like Deutsche, HSBC, Standard Chartered and ABN-Amro banks has look and discuss at environmental problem under Kyoto protocol. Moreover, the government of Dutch has requested formally from the banks to achieve sustainable development. This agreement has been establish between banks and government in 1999. This environmental policy will improve the development of services and new financial products. The Rain Forest Action Network (RAN) and Earth (FOE) had challenged the industry with their campaign which highlighted the case in which commercial banks were bankrolling Disaster in 2000 in U.S. Bank Tract is a network which formed by the NGOs to promote the sustainable finance in the commercial sector in 2002. This coalition up comes with 6 principles which assisting in the protection of environment and justice by the bank. This is known as Collevecchio Declaration (Bibhu Prasad Nayak, 2008). These 6 principles are no- harm, commitments to sustainability, responsible sustainable market and transparency, accountability and governance. There are more than 200 institutions that signed up the declaration and asked the banks to integrate with these commitments into their business operation. The declaration states that Finance and Commerce has been at the centre of a historic detachment between the worlds natural resource base, production and consumption. As we reach the boundaries of ec ological boundaries of the ecological limit upon which all commerce relies, the financial sector should take its share of responsibility for reversing the effects this detachment has produced. To guideline the project banking institution have been constraint into common set of social and environmental policy for sustain the green finance. In Oct 2002 the group of small banks along with IFC had come with the proper general guideline and later in July 2003 they came up with a policy is known as Equator Principle. And other big commercial were also adopting this set of principles in their structure. And in July 2006 equator principle has been revised and updated. The used of the revised set of principle, the project coverage has been lowered by 10 million from 50 million dollar. Now 16 countries with 46 financial institutions were managing their business in more than 100 countries and they all have adopted the equator principle. The adoption of this principle in the business operation has become common standard for the project which integrated with social and environmental issue in business. (Bibhu Nayak, 2008; p10) The NGOs has received the activities of equator bank in a worldwide and it being proclaimed, when they came to know that it not commit to the equator principle. Sustainable Banking Award has been initiated by the Financial Times along with IFC in 2006. There are 151 financial institutions in which 104 institutions has made through to the final list of award in 2007. The ratio of bank apply was more than the previous year, it was about 100 percent more. The international initiative of banks operations are voluntary in nature and the basic thing is to up come of the common good for the enhancement of the ecosystem. In competitive market there is a short coming of a voluntary commitment. As an increase of the green money in the market, lender will stimulant to delay the social commitment and the commercial interest which will programme in the short run. If the green money is voluntary than it will be precondition demand for the green bank. According to the government policy the bank which is responsible for the breach of law of their clients will have to help in promoting green banking. Green Banking In India From last two decade, the growth rate of Indian development is very high. And this is because of the industrial sector that plays a curial role in the development of the India. However, controlling the environmental challenge has been occurred in the way of Indian industry which makes impact in their business i.e. emission of pollution by their clients. Although government of India is trying to solve this problem by adopting the environmental policies and comforting the industries to adopt this environmental technology. Fortuitously, India is a second fastest growing nation in the world in producing green house gases. Indias three main metropolitan cities like Chennai, Delhi and Mumbai are the worlds most busy and polluted cities. In India major polluted industries are paper and pulp, zinc steel and copper metallurgical industries, refine, tanneries, sugar, pesticides and insecticides, textile, fertilizers etc. The environmental management have to be taken care by the financial institution and banks, who are investing in the industries project. This can be done by improving the level of efficiency, quality of products and services. In this case banks and financial institution play an important role because these institutions are major source of finance to the industries. In India there are broadly two main categories for the environmental policies and regulation which is liability, law control and command regulation. The control and command regulation are ex an-te regulation which are assigned to prevent from the environmental polluting businesses. With the help of this policy lending institution will set up a specific standard for the industries, so that they have to follow the regulation and project will examine closely by the ministry of environment and forest authority and its up to these authority whether they give the permission or not. The liability law is like based on the analysis of past performance (ex post). In this impose will be made by the authorities on the industries by closing down or imposing fine on them etc. Although there is no such law in India which impose any fine on the bank; which are providing financial help to those client whose are responsible for creating damages to the environment. Once the legal regulation comes in th e frame work then the environmental standard will raise in India. And the industries which are responsible for polluting the environment will either have to shut down or have to invest money in the development equipment to meet the standards. And at international market industries will lose their competitiveness, which will directly affect the bank sector and economy of India. Thus it is crucial for the bank to protect them from getting into non- performing assets in coming days. Analysisation of these facts make banks to accept the concept of Green Banking. The institutions which are not capable to control the pollution now may be future polluters. And one day, the legislation will taken a strict decision against the polluters who are responsible for damaging the environment and may have to shut down their units. For e.g. in Delhi and Agra, almost 150 SSI units had to be shut down because of not following the standard. Now banks and financial institutions are taking consideration about these perspectives, if the industries were not performing the environmental standard. According to the pollution control status there are 17 different categories of institution where they are equal number of institution which are shut down or defaulted. When there is a shut down or a default of a project, bank has to face financial losses it is because of increase of the li ability and bad asset. Year Total Acceding^ Defaulting^^ Shut down 2001* 1551 1350 24 177 2002* 1551 1351 22 178 2003* 1551 13356 52 189 2004 2155 1877 53 225 2005 2455 1909 168 265 2006 2678 2044 297 335 Note: ^Competent to agree with the Standards, ^^ Not able to agree Standards. Source: * Annual Report 2005-2006 LOk Sabha ; Govt. Of India, Ministry of Forest and Environment; (sourced from www.indiastat.com) Now-a-days, awareness is spreading among the public regarding environmental pollution. And people are taking strict action against those industri
Sunday, January 19, 2020
Thomas Jeff. Outline :: essays research papers
                                                       Lenora Spahn                                                        9/22/00                     Thomas Jefferson I. Thomas Jefferson      A. Born- April 13, 1743 in Shadwell, Va.      B. Died- July 4, 1826 II. Background      A. Educational- College of William and Mary (1760-1762), 5 year apprenticeship           studying law under George Wythe.      B. Occupational-           1. Began to practice law on his own: representing small scale planters from           western countries involving land claims and titles.           2. House of Burgesses, elected 1768: Opposed all forms of Parliamentary                     taxation and supprted nonimportation resolutions against British trade                regulations.           3. Committee of Correspondence, 1773: Served as a makeshift Central                Government for colonies and advocated that colonies refuse to pay any duty           leveled by Parliament.           4. Virginia Convention in Richmond Virginia, 1775: Virginia, the largest colony           decided towards liberty for America.           5. Continental Congress, 1776: Chosen to write the Declaration of Independance,           telling reasons for fighting against England (aloing with Benjamin Franklin,           John Adams, Roger Sherman and Robert Livingston).           6. Governor of Virginia, 1779: dealt with the lack of money, weaponry and           soldiers during the end of the Revolution.           7. Virginia Delegate to Congress, 1783: Designed a new system of money for the           U.S. Based on 10.           8. First Secretary of State, 1790: Under President Washington-                1. In charge of post office, office for inventions and office of money                2. Set rules for weights and measure.                3. Established foreign relations           9. Vice President under John Adams, (1796-1800): One of his only duties was to           preside over the Senate- since there were no clear rules, wrote A Manuel of           Parliamentary Practice.      III. Terms Of Office      A. First Term (1801-1805) Wed. March 4, 1801, inaugurated 3rd president of the United      States.      B. Second Term (1804-1809) IV. Prominent Issues of the Elections      A. Since electors did not state which of the two candidates they prefer, there was no way      to decide which of the candidates should become President. Jefferson was elected in a      second election held in the House of Representatives, and soon legislation was passed      that each person would vote for one candidate for president and one for                vice-president. V. Opponent      A. First Term- John Adams, Aaron Burr      B. Second Term- Charles C. Pickney VI. Vice Presidents      A. First Term- Aaron Burr      B. Second Term- George Clinton VII. Political Party- Democratic-Republican VIII. Domestic Events      A. Ohio enters the Union, 1803: Despite efforts from the Federalists, Ohio became the           17th state on March 1, 1803.      B. Mabury vs. Madison, 1803: Jefferson failed to uphold the law by refusing to appoint      Marbury as justice of the peace in the district of Columbia. Thomas Jeff. Outline :: essays research papers                                                        Lenora Spahn                                                        9/22/00                     Thomas Jefferson I. Thomas Jefferson      A. Born- April 13, 1743 in Shadwell, Va.      B. Died- July 4, 1826 II. Background      A. Educational- College of William and Mary (1760-1762), 5 year apprenticeship           studying law under George Wythe.      B. Occupational-           1. Began to practice law on his own: representing small scale planters from           western countries involving land claims and titles.           2. House of Burgesses, elected 1768: Opposed all forms of Parliamentary                     taxation and supprted nonimportation resolutions against British trade                regulations.           3. Committee of Correspondence, 1773: Served as a makeshift Central                Government for colonies and advocated that colonies refuse to pay any duty           leveled by Parliament.           4. Virginia Convention in Richmond Virginia, 1775: Virginia, the largest colony           decided towards liberty for America.           5. Continental Congress, 1776: Chosen to write the Declaration of Independance,           telling reasons for fighting against England (aloing with Benjamin Franklin,           John Adams, Roger Sherman and Robert Livingston).           6. Governor of Virginia, 1779: dealt with the lack of money, weaponry and           soldiers during the end of the Revolution.           7. Virginia Delegate to Congress, 1783: Designed a new system of money for the           U.S. Based on 10.           8. First Secretary of State, 1790: Under President Washington-                1. In charge of post office, office for inventions and office of money                2. Set rules for weights and measure.                3. Established foreign relations           9. Vice President under John Adams, (1796-1800): One of his only duties was to           preside over the Senate- since there were no clear rules, wrote A Manuel of           Parliamentary Practice.      III. Terms Of Office      A. First Term (1801-1805) Wed. March 4, 1801, inaugurated 3rd president of the United      States.      B. Second Term (1804-1809) IV. Prominent Issues of the Elections      A. Since electors did not state which of the two candidates they prefer, there was no way      to decide which of the candidates should become President. Jefferson was elected in a      second election held in the House of Representatives, and soon legislation was passed      that each person would vote for one candidate for president and one for                vice-president. V. Opponent      A. First Term- John Adams, Aaron Burr      B. Second Term- Charles C. Pickney VI. Vice Presidents      A. First Term- Aaron Burr      B. Second Term- George Clinton VII. Political Party- Democratic-Republican VIII. Domestic Events      A. Ohio enters the Union, 1803: Despite efforts from the Federalists, Ohio became the           17th state on March 1, 1803.      B. Mabury vs. Madison, 1803: Jefferson failed to uphold the law by refusing to appoint      Marbury as justice of the peace in the district of Columbia.
Saturday, January 11, 2020
Unification of Spain
Unification of Spain: the Good, the Bad, and the Really Ugly | Alexis Wilson | The Europeans wanted to expand their minds and their wealth with what the â€Å"unknown†world had to â€Å"offer†. When I say offer, I mean what they could take and run with without consequence. The Europeans wanted to â€Å"expose†and â€Å"enlighten†the new world people with their religion. When I say â€Å"expose†and â€Å"enlighten†, I mean force the new world people to convert to Christianity or they would be slowly tortured to death or burned at the stake.Portugal, one of the all mighty Iberian Sates, was in a hard-hitting competition with Spain, another Iberian State. According to the textbook, Portugal was losing manpower and resources needed to control a vast empire of three continents. Spain on the other hand, depleted their newfound wealth on wars and other unnecessary things when they should have been developing their economy (Wallbank et al. 482). Portugal and Spain were battling for greatness, immortality if you will. They would have done anything to get it, even if it meant eradicating peoples and their cultures.Unfortunately, that was exactly what Portugal and Spain did. Spain and Portugal were trading across the â€Å"known†world. Spain exported olive oil, asparagus, conserved fish and more. That was how they received their funds and their power. The Iberian States had a general idea that there were more lands to discover and more money to make. So they set sail to discover and take over anything that were in their way, with their bibles in their pockets and swords in their hands, fueled by the desire of unthinkable wealth and power.According to Juan Pimentel, Portugal and Spain entered the sixteenth century with an advantage in nautical technology and navigation relative to other European nations (20). â€Å"The overseas enterprises of Spain expanded dramatically following the first voyage of Christopher Columbu s in 1492. Even before this historic Atlantic crossing, Spaniards had begun the conquest of the Canary Islands which served as a base and proving ground for the invasion and conquest of Spanish America, known as the Indies†(Andrien 55).Even though Christopher Columbus was not from Spain, he set sail for them because the King Ferdinand and Queen Isabella of Spain were the only ones that agreed to fund for the exploration that made Christopher Columbus famous, the exploration that Christopher Columbus dreamed of. â€Å"Spain became strongly centralized under an assertive and aggressive monarchy in 1479, when Isabella of Castile and Ferdinand of Aragon began a joint rule that united the Iberian Peninsula except for Navarre, Portugal, and Granada†(Wallbank et al 455).Portugal was known as incredible competition relative to Spain. Columbus wanted to prove that he could find a shorter and cheaper way to sail to India and China by taking the unknown west route. While Columbu s was looking for a shorter route to reach the country of India and China, he inadvertently discovered America. Columbus was oblivious to the fact that he â€Å"discovered†America, and he did not reach his intended destination of India. Columbus called the inhabitants â€Å"Indians†. He had his men capture the â€Å"Indians†and made them slaves.When Columbus came to America he came with diseases. The inhabitants did not have a strong enough immune system to fight off, which decimated the inhabitants of America. Even though the people were sick, it is safe to say that Columbus did not show mercy and still made the slaves work so he would be able to bring gold, spices and other new world items he promised to the King and Queen of Spain, in high hopes that they would fund for more explorations . He did not wish to disappoint the very people that invested in him.After â€Å"discovering†the diversity of the Indies, intellectuals of Spain argued over the hum anity and proper social role of the indigenous people they have come to encounter and the offspring of the men that Columbus traveled and the women of the Americas. Intellectuals of Spain struggled with what to call the indigenous people and their illegitimate offspring. They were not sure whether or not to call them â€Å"beasts†, â€Å"barbarians†, or â€Å"brothers†(Andrien 59). Columbus, being the pocketful of sunshine he is, forced the inhabitants to convert to Christianity to ensure that the land was for Spain, all of Spain practiced one religion.If the inhabitants did not agree to convert they severely punished, as mentioned before (Wallbank et al 482 ). The Catholic Majesties were smart to invest in Christopher Columbus. Without his exploration and â€Å"discoveries†of gold, slivers, spices and slaves, they would not have been able to replenish their wealth and rebuild the broken economy. Back in Spain, Isabella and Ferdinand is working on unify ing Spain and sharing the crowns of Castile, Aragon and Spain (â€Å"History of Spain†). Isabella of Castile and Ferdinand of Aragon planned on making Spain the best it has ever been.They wanted their beloved country to be unified in everything they did, especially in religion. That is where the legendary Spanish Inquisition comes into action. The â€Å"Catholic Majesties†, as the pope titled King Ferdinand and Queen Isabella, set out to establish effective royal control in all of Spain. Isabella and Ferdinand started the Spanish Inquisition, for the pope allowed. Not only did they have power over Spain, they had power over the church also. They were able to have power over the church by making it the law for the monarchs of Spain to have power over the church.The Spanish court of inquisition seized the property of many converters (Jews and Muslims who were afraid of the inquisition and avoided persecution) and terrified the Christian clergy and laity into accepting ro yal absolutism as well as religious orthodoxy (Wallbank et al 455). Not only did they force religion on the peoples of the new world, Isabella and Ferdinand forced religion on their own people as well, without mercy may I add. Spanish absolutism, defined by Isabella herself as â€Å"one king, one law, one faith†(Wallbank et al 455).Terrified but still determined to practice their faith, the â€Å"converters†practiced their religion in secret. Without a doubt, the Spanish Inquisition strengthens the Spanish crown. It also caused many people to leave Spain. Inquisitors made sure the King and Queen of Spain knew that people where performing acts of heretic and suggested to the King and Queen of Spain all those who were unwilling to convert to Christianity must leave the country, needless to say they agreed and the Inquisitors went into action and rid the country of Spain of non-converters (Wallbank et al 455).In 1492, the same year Columbus set out to sail to India and China, about 150,000 Spanish Jews left the country and resided in the Netherlands, England, North Africa, and the Ottoman Empire (Wallbank et al 455). About 10 years later same demands are made for the Spanish Muslims. Spain used to be one the most tolerant of religions, but under the rule of the â€Å"Catholic Majesties†, Spain became the most intolerant country when it came to terms of religion (â€Å"History of Spain†). King Ferdinand and Queen Isabella did not stop there. They set out to clear surrounding countries of non-converters and expand their empire even more.One of the most notable successes of the Catholic Majesties was the completion of the Reconquista with the defeat of Granada, the last Muslim state on the Iberian Peninsula in 1492. With a few more defeats of surrounding countries, the unification of the Spanish nation-state was complete in 1516, right before King Ferdinand died, a dozen years after queen Isabella died (Wallbank et al 456). In my opinio n, King Ferdinand and Queen Isabella‘s policies did work for them in the long run, in every sense. Do I agree on how they executed their plans for progressing Spain? No, I absolutely do not agree with the Catholic Majesties tactics.But, they reached every goal they set. Their goal was improving Spain and broadening their empire. With Isabella inheriting the crown of Castile and Ferdinand inheriting the crown of Aragon, the couple had a lot of power that made it possible for them fully convert and unify their empire (â€Å"History of Spain†). In the textbook it explains that Ferdinand and Isabella controlled the church, with the grace of the Pope, and they took control of surrounding countries, rid them of non-converting heretics and converted them to Christianity. King Ferdinand fought against the non-converters until his dying breath (Wallbank et al 456).People lost their lives, their homes and the freedoms to express themselves and their religions because the King and Queen wanted to â€Å"unify†their country and empire. They wanted to do what the rulers before them were not be able to do. They were rough and ruthless in a sense to achieve their goals of expanding their country and spreading their religion. They had to be if they wanted their country to be unified and practicing one religion. I guess it is safe to say that they would agree with Machiavelli’s renowned book The Prince. â€Å"It is better to be feared than to be loved†¦the end justifies the means††¦ (Machiavelli’s The Prince).Works Cited Andrien, Kenneth J. , Atlantic History: A critical Appraisal. New York. Oxford University Press. 2009. The Spanish Atlantic System. Print History of Spain Historyworld. net. N. p. n. d. History of Spain. Web. 10 Feb. 2013 Pimental, Juan. The Iberian Vision: Science and Empire in the framework of the universal monarchy, 1500-1800. Vol. 15 issue 1. 2000. Wallbank, Walter T, Alastair M. Taylor, Nels M. Bailkey, C lyde J. Lewis, Palmira Brummett. Civilizations Past and Present. Twelfth Edition. Volume 2. Pearson Education 2008. Spain: Ferdinand and Isabella and the Reconquista, The Iberian Age. Print.
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