Police Psychology Essay

A number of methods of learning are available. Studies have shown that most people learn best if the information is presented in more than one format. Because the police officers involved in the crisis prevention will eventually be involved in real-life hostage situations, it is very important that they learn the information effectively. The training will involve a forty hour training, which will take place over a work week. The training would involve all staff that would in some way be involved with a hostage crisis. This would include the police who would respond first to the scene, specialists who would be called in, and dispatchers who take the calls for help. The first day of training would be in oral format. The information would include an introduction of the type of crisis and the basics on the type of people who would be involved (nervous, stressed, frightened, volatile people, who need to be handled very carefully), types of situations, potential places and victims. To get involvement experienced police officers would be encouraged to provide insights on real- life situations and the group could problem solve how to respond. The second day would be watching video trainings of actual situations, then having question and answers over how they were handled and the outcomes. The third day the group would be divided into small groups. Each group would be given a situation (domestic disturbance with the father holding the family hostage or five armed gunmen in an elementary school). Each group would decide the best way to handle the situation, and then the entire group would discuss all of the scenarios and discuss how individual situations would be handled differently. They would discuss whether the father would be more likely to become violent or the gunmen in the school, or a disgruntled employee in his former employer’s office. They would then discuss such issues as motive and background to determine which personalities would be more likely to escalate and which could be talked down. The fourth day would involve the legal issues on how to deal with hostage situations and what promises or threats could be made. The issue of homeland security would come about for public buildings and the United States policy on negotiating with terrorists would be an issue for discussion. The fifth day would be putting the information to the test in a simulated hostage situation. Each member of the group would be required to cover his or her job as if it was a real hostage situation. At the end of it debriefing would occur to discuss what went well and what needed improvement. In a case potentially involving members of the police department it would be very important to keep the information about the case among the main investigators of the case. The role of the psychologist in this case would be to retrace the events of the mayor’s last moments. This would involve learning more about the meeting that had taken place between him and the other prominent official. Since this was the last time he had been seen alive it would be important to find out if something about the meeting led to his death. Part of the psychologist’s job would be to find out if any of the police officials might be involved. In addition to this the psychologist would need to support the other investigators when they have to investigate their co-workers and their superiors. Investigating people close to them could be very difficult for the investigators, especially if they should happen to find that some of their colleagues were involved. In the case that there was police involvement in the murder and the investigators became forced to testify against people they have worked with or for it could create new need for the psychologists. In this situation the psychologist would need to provide support for the investigating officers through the investigation and the trial, against the fear of retaliation. Part of this would involve observing the behavior of other officers towards the investigating officers and being aware of changed behavior towards them. The tools needed for the psychologist’s role would include such things as observation skills, client records and profiles. It would require interviewing and record keeping as well as assisting the investigating officers in finding the motive for the murder. In any field effective management is very important and the relationship between management and subordinates is very important. In the police field it is exceptionally important, because not only does the effectiveness of the business depend on a positive relationship, but the very lives of the police officers could be involved. If the management of the police force is not well organized people can be sent on assignments without needed information or equipment, and be injured or killed on the assignment. Strong management needs to be organized and well informed. Management needs to be aware of the details of cases and situations before officers are placed in harms way. Although in police work there is no way to completely avoid danger, the severity and threat can be minimized by appropriate and thought out preparation and training. For a manager to be effective in placing employees in the proper positions and assignments, it is important for the manager to know the employee’s strengths and weaknesses. The psychologist can be helpful in this area by getting to know both the management team and the officers. By studying the personality styles of everyone involved, the psychologist can help match managers with the subordinates who would work best with them in order to make the team more effective. In addition to matching people, the psychologist would be effective in helping management know what assignments and positions would be best for which officers. In time of crisis or after a stressful assignment, the psychologist would be very important in debriefing the staff and minimizing conflicts among staff members.

Manchester Products Essay

Manchester Home expanded household furniture division by adding market leader PLFD – Addition of 990 million in PLFD revenues – Addition of established sales force, talented design teams – PLFD’s Signature Style line very popular with consumers †¢ Ability to combine PL design skills with MH engineering and manufacturing – Manufacturing expertise and ergonomic designs †¢ Concerns – How to tie-in PL’s bold designs with MH’s conservative style – Customer confusion over new brand name 5C’S OF THE ACQUISITION Company †¢ Companies’ strengths and weaknesses complement each other 5C’S OF THE ACQUISITION Customers †¢ Target consumers ages 34-55; Income over $50K – MH consumers are categorized as conservative elegance – PLFD consumers are more fashion-conscious, trend setters – Will need a way to reach both customer segments †¢ Results from target consumer surveys – Low brand loyalty – 60% would change brands – High information search – Style, design, quality, comfort most important qualities – all covered by MH/PL – PL has high brand awareness, almost double that of MH, will help to co-brand them to raise awareness for MH 5C’S OF THE ACQUISITION Collaborators †¢ Manchester already has network of office distribution channels, now they gain access to household distribution channels through Paul Logan. – PL sales force has strong ties to leading distributions channels – PL strength in upscale furniture stores, specialty stores, department stores †¢ Strong relationship with buyers – Concern over brand going away, necessary to create a smooth brand transition so consumers make the switch †¢ Push strategies important to build strong relationships with distribution network – 90% of PL shipments include Purchase Allowances 5C’S OF THE ACQUISITION Competitors †¢ Paul Logan was market leader †¢ Household Furniture Industry $36.64 billion in 2004; positive % growth projections A mature industry Large number of corporate consolidations Low-cost imports from Asia/Mexico moving into higher price levels Domestic companies ready to attack the vulnerability of the new brand and position †¢ We need strong advertising and marketing mix †¢ Many competitors have company owned stores – Crucial to leverage our distribution channels to gain market access 5C’S OF THE ACQUISITION Context †¢ Office furniture sales growth tied to employment growth and new business formation. – Burst of dot.com bubble and recession have decreased demand for office furniture †¢ Rise in ‘teleworking’ could increase demand for home office †¢ Demand for home furniture is tied to new home construction and home sales. †¢ Innovative and stylish products to bolster demand MOVING FORWARD ANALYSIS OF FUTURE BRANDING: OPTIONS †¢ Drop the Paul Logan name right away – Losing their current brand awareness – Need to educate customers – Strong distribution channel relationships could be damaged †¢ Keep using the Paul Logan name for the entire allotted three years – Ad agency advises against this option, as they don’t want to allocate advertising dollars to a brand with a three year shelf life †¢ Transition mid-point – Leverage the Paul Logan name to build strong brand awareness for Manchester – Continue to use the PL name in subtext for 1.5 yrs.; conduct consumer research to reevaluate after this time. – Business recommendation to convert the name 100% to Manchester Home after 1.5 yrs. ANALYSIS OF FUTURE BRANDING: OPTIONS †¢ Brand name transition: – First 6 months: Manchester Home: The New Home for Paul Logan Furniture – Following year: Manchester Home: The Home for Paul Logan Furniture – After 1.5 yrs.: Conduct consumer research to reevaluate transition †¢ Business recommendation is to drop the Paul Logan name †¢ Want to ensure the Manchester Home brand has achieved a sufficient awareness before removing PL OUR FUTURE ADVERTISING STRATEGIES †¢ Strong campaign is critical to the success of the new brand name – $184 million allotted for 2005 – Includes national and cooperative advertising for both PLFD and MH products †¢ Push vs. Pull – MH to allocate more $ towards Push advertising – Heavy Push & Pull the first 1.5 yrs. – Marketing & Communications mix to form long-term company image †¢ Promotional Programs – Purchase allowances – Recommend amending the planned 2005 marketing expenditures to allow for purchase allowances. †¢ Currently based on % of sales – Due to brand transition, allocate a fixed amount to advertising to ensure the levels do not drop RECOMMENDATIONS †¢ Continue to use the Paul Logan name to leverage brand awareness and channel partnerships †¢ Focus strongly on both Push and Pull strategies the first 1.5 yrs. to communicate the acquisition – Amend proposed 2005 advertising plan to incorporate more Push strategies, specifically Purchase Allowances that contributed to the success of the PL distribution network †¢ After 1.5 yrs., the business goal is to transition brand officially to Manchester Home QUESTIONS?

Deforestation Satire Essay

So, what am I going to talk about? Well, how about I make this easy for you and just spit it out? -pause- *sigh* Well fine then, it you want a proper introduction, then here it is: Have you ever decided to just go for a nice walk outside to get some exercise and enjoy the sun? (well if not, let’s pretend that you have for the purpose of this essay). And then, out of nowhere, you realize that something is missing. That THING, is actually something really quite important. In fact, your life depends on it.Well that THING, ladies and gentlemen, is the forest, and the birds and the bees and the flowers and the, well: trees! OK, I know that this probably hasn't really happened to you, (the whole, â€Å"OMG, the forest disappeared! † thing), but I assure you that it has occurred in Australia and South America, where rain forests are burnt and cut down every year. So there you have it: deforestation. Yes, that's right, I have finally gotten to the topic, and in case you couldn' t tell by now, I am very much against this current issue in our world.Let me explain to you, as best as I can, what the world would be like without trees, and why we need them. All righty then, to start, I want you to close your eyes (please don't actually do this until you have read the following) and try to imagine a world without trees or plants of any kind and there you are – oh wait, I just remembered. You wouldn't be there, because, well, plants and trees are one of our major sources of oxygen, therefore, without them, we would all be DEAD. Unless you want to consider that everyone should wear an air bubble around their heads.That might work, plus the amount of germs would go down. Though you'd probably suffocate from breathing the same carbon-intoxicated air over and over and over again. Of course, you might say, what about a bio dome? Well that option is out of the question, because it would be way too claustrophobic with all those people trapped in one place. Plus, t he smell would be absolutely unbearable. Yuck! To explain further, trees and forests have an essential role in our lives. That role is simply to breathe in and out.And no, I don't mean like us humans, who inhale oxygen and exhale carbon dioxide. Instead, trees and plants do the opposite: they inhale carbon dioxide during photosynthesis, a cycle that allows plants to create their own food by using energy from the sun’s rays (if only we could do that, then we could cut down all of the forests in the world! ) then, during what is called respiration, plants exhale clean oxygen into the atmosphere just for us! I mean, some people say we can’t live without love, but I think oxygen is more important!Can you imagine couples trying to hug and kiss, meanwhile, they are choking or turning blue in the face? Impossible. Another major consequence of deforestation is the fact that there are hundreds and thousands of species losing their homes. Without their habitations, wild animals such as wolves, foxes and possums will be forced to find a new home. But since there are no forests, they will end up in your garden, or on the side of the road. I highly doubt that you’ll want to wipe bloody guts off of your windshields every morning on your way to work.This is very sad and also inhuman. In what world do we kill hundreds of species just so that we can write on paper and do our homework? I mean, of course I know that teaching and learning are essential parts of our lives, but with today’s growing technology, we should certainly be able to come up with a new way to eliminate the use of paper (and hopefully homework too). On a more personal approach, deforestation also means that the scenery will change. Many people probably don't care about this, but I certainly do.As I’m sure all of the artists, gardeners, photographers, directors, landscapers, hunters, campers and tree-huggers do too. Never mind, that actually does seem like a lot of people, so maybe all hope is not yet lost. Plus, we can’t forget the young members of our future generation who have gotten â€Å"naturalist† on their annoying multiple intelligence quizzes at school. Alright, I realize I have gone off topic, so back to scenery. As I have already mentioned, cutting and burning down forests will leave empty fields where there had once been beautiful, magical woods where fairytales could come to life!Therefore, there will be no shade to hide from the sun, and the earth will quickly become dry and hard. Hence, farmers won’t even be able to use the extra space for agriculture. What is more, large masses of trees also provide extra protection from strong wind and heavy storms. Thus, without them, you will need to watch out when you use your umbrella, or else you just might fly away like Mary Poppins! Hey, that kinda sounds like fun. Though, on a more serious note, the strong winds and changes in temperature can be very harmful to other plants, animals and humans.So watch out, or else nature might just blow you away! To conclude, I will give you a very simple solution to avoid all of the previous statements from happening. All you have to do is never cut down a tree in your life. Not even a single branch! Okay, I realize this isn’t really realistic since everyone â€Å"needs† wood and paper, but the least you could do is plant a tree for everyone you destroy. You could also buy your own piece of land, grow a forest (granted, this may well take your whole life), and watch as animals and other living organisms start to bring it to life.Furthermore, you could have your very own fairytale within its depths, all the while breathing healthy, oxygen-filled air! Well, maybe not completely healthy, but don’t get me started on pollution. Other than that, you will have a happy ending with your prince charming (or princess)! Then, I give you permission to say â€Å"I told you so† about love being more impo rtant that oxygen, though I’m not all that convinced. I’d like to see you write an essay trying to convince me of that!

Infrastructure Protection Essay Example | Topics and Well Written Essays - 750 words

Infrastructure Protection - Essay Example The Homeland Security is responsible for the coordination of the nation’s overall protection efforts expressed by NIPP and the SSP. The homeland security watches and directs the development, integration and the NIPP with the national preparedness initiatives. The NIPP and the SSP therefore relies on homeland security department for success in implementation of their plans towards achieving infrastructural security in the nation. This is therefore how the three departments relate with one another and each of them is quite essential for the development of tight infrastructural security in any nation (National Infrastructure Protection Plan, 2015). Every Sector-Specific Plan is developed by a Sector-Specific Agency with a purpose of providing information on the application of concepts borrowed from the NIPP to the special characteristics and conditions of their sector. These Sector-Specific Plans are undergoing updates to make them work effectively with the most recent NIPP. An example of an effective SSP is the Information Technology sector-specific plan. The Information Technology Sector-Specific Plan (ITSSP) provides details of the efforts made by the IT department in managing the national level risks experienced in the nation. It provides the information on its progress and how promising these efforts are in managing the risk. This includes the details on the completion of the IT sector Baseline Risk Assessment. The IT SSP is also expected to make a presentation on how the IT department is making use of the results from the baseline analysis to inform the sector’s infrastructure and key resources (CIKR) protective p rograms, development, research, and measurement activities. For the sake of maximum protection of its critical infrastructure, the IT SSP provides updates each year on the details required. In the past years, the sector has also accomplished a few missions here and

Australian Law Essay Example | Topics and Well Written Essays - 750 words

Australian Law - Essay Example â€Å"Decisions of the High Court are binding on all other courts throughout Australia† (High Court of Australia 2010: The High Court of Australia is the uppermost Court in the judicial system of Australia, the Court of "last resort", in the judicial system of final appeal. It has its origins in the Australian Constitution, Section 71 of which affirms: â€Å"The judicial power of the Commonwealth shall be vested in a Federal Supreme Court, to be called the High Court of Australia, and in such other federal courts as Parliament creates, and in such other courts as it invests with federal jurisdiction† (The High Court of Australia n.d: 1). The High Court shall comprise a Chief Justice and also a lot of other Judges, not below two, as the Parliament has laid down. The fundamental functions of the High Court are to construe and support the Constitution, to construe Federal law and to attend to cases referred from other Courts. Therefore, it is the purpose of this essay to d iscuss why a decision of the High Court on the constitutionality of a Statute will be seen by the Government as a further serious setback to its legislative reform plan than a judgment by a Judge of a State Supreme Court in understanding the meaning of an important provision in the statute, in a way contrary to the Government’s goal.... of this essay to discuss why a decision of the High Court on the constitutionality of a Statute will be seen by the Government as a further serious setback to its legislative reform plan than a judgment by a Judge of a State Supreme Court in understanding the meaning of an important provision in the statute, in a way contrary to the Government’s goal. The Australian Constitution states that the power to create laws is vested in the Parliament. At the same time, the power to understand laws and to judge whether they are relevant in individual cases is vested in the High Court and other Central Courts. Actually, one of the important functions of the High Court is to interpret the Constitution. For instance, the Australian High Court can rule a law to be illegal which is beyond the authority of Parliament to enact and so of no effect. Such a condition would be seen by the Government as an obstruction. The Australian Constitution founds the Federal Government by providing for the Parliament, the Judiciary and the Executive, that is identified as the three pillars of governance or as the policy of â€Å"separation of powers† (Clark 2009: 972). Parliamentary Government means that the Executive Government comes from in the Parliament. Accountable Government means that the Executive Government is accountable to the Parliament. The rule of â€Å"separation of powers† is to prevent an oppressive government. The â€Å"three branches of government† constituted by the Legislature, Judiciary and Executive, work as checks and balances on each other (About Parliament. n.d:1). The Judiciary is â€Å"independent† of the other two arms of Government (1). That independence is one of the main critical safeguards of the democratic system of the country. The Executive is the managerial part of

Reflection Paper Essay Example | Topics and Well Written Essays - 1250 words

Reflection Paper - Essay Example This is actually a great marketing tool to help customers identify with and makes them want to support businesses with their business needs. Amdocs Corporation is actively involved in many citizen oriented activities throughout the world. They especially reach out and contribute to programs and activities involving children, people with disabilities, and, the poor people and communities where resources for survival aren’t as available. They are actively involved in food and equipment drives, education and mentoring, and drawing attention to community needs. This made an impression on me because the article I read talked about them doing many good things to help people in ways that are more humanitarian instead of business oriented. People who work for Amdocs are part of these communities also; it makes them feel that their company supports them by being actively involved in helping the community. Not only does Amdocs contribute funding support, but it also contributes thousand s of hours of community service to help bridge the gap between what is needed and what the community can provide for itself. Amdocs received a special recognition as being one of the top 100 companies to provide community outreach and service. (Amdocs, 2011) My community service project experience was spent with Faith, Hope, and Love, International, Inc. in Indianapolis. It is a multi- cultural faith based organization that began in Indianapolis in 2005. Their main vision is to make an impact on the neighborhoods surrounding them to increase the social, economic, and spiritual qualities of life for the people they serve. They are actively involved in faith based outreach ministries as well as supporting foreign missions and families with donations. They also have a food bank that helps people locally who are struggling to find enough food in the local community during this time of economic hardship. Their goal is to break down the walls of separation between ethnic and religious com munities to show caring, support and concern for all as the strong arm of their faith based ministry. I found this organization by looking through the list I got from class. I didn’t really know anything about them, but the name sounded good to me. I learned a lot about volunteerism from this experience; how even the smallest assistance makes a big impact. Non-profit organizations can always use an extra hand to help handle the heavy loads they carry. When people volunteer their time and energy to help these organizations, it frees up the administrative people to do more important tasks associated with enlarging their outreach to the communities. Some of the smaller organizations, like the one I chose, have minimal numbers of staff to perform a lot of duties. There was only one couple at the ministry in charge of everything and I helped them as much as I could by performing three services during my volunteer stay there. I helped organize food and supplies at the food storage bank. We had to keep like items together to make it easier for the workers to pack the bags for when people arrived to get their food packages. We also had to make sure the donated foods and their containers were in good condition and did not have expired dates. They asked me to help send out postcards thanking donors for their contributions as well as ones to local businesses and other faith communities asking for support. I sent out around 300 postcards which were hand addressed and stamped. I also

Corporate Goal of Maximizing Shareholder Value Essay - 1

Corporate Goal of Maximizing Shareholder Value - Essay Example Enhancing shareholder value cannot be stretched beyond the limits that start breaching the fundamental requirements of corporate governance. Ireland (1996. pp289) established an empirical generalization that the legal existence of the company and the shareholders are entirely separate. Although acts like Sarbanes Oxley in the United States have made the leadership of the organization (CEO or CFO!!) legally responsible for the accuracy in accounting statements, many countries around the world still lack such acts. Moreover, the act does not make shareholders responsible always because in many companies the shareholders do not sign on accounting statements or manage the company operations. Sundaram and Inkpen (2004. pp353) argue that the shareholder value maximization should be considered after all the liabilities of the corporation has been fulfilled – including incentives of managers, contractual liabilities, payments of dividends, principal & interest payments to bondholders, supplier dues, wages, salaries, etc. The net value addition in shareholder wealth needs to be taken care of after all such liabilities have been fulfilled that can be effectively managed through corporate governance. The shareholder wealth maximization and effective corporate governance are conflicting objectives and hence need to be managed by different individuals to reduce the risk of conflict of interest. The non-shareholding stakeholders should be engaged in corporate governance whereas the shareholders should be engaged in wealth maximization and both parties should have a congenial environment to resolve conflict situations. These roles should be normally fixed in support of the argument by Sundaram and Inkpen (2004. pp355) that the transition from non-shareholding stakeholders to shareholders is easy but vice versa is very difficult.

Proper essay form, with supporting argument, facts, and examples

Proper form, with supporting argument, facts, and examples - Essay Example , Auguste Comte (1798-1857), developed a form of scientific rationalism which stated that science is the highest form of knowledge that will inevitably lead to progress in humans. His argument was that positive or scientific knowledge is the highest stage of human development which would allow humans to discover the laws of human behaviour and be able to use them in improving the society. On the other hand, Romanticism rejected most of these ideologies by the positivists. They recognized the fact that humans have limits to reason and comprehend the reality and also rejected the artistic style called classicism. Instead, they explored the mysterious, strange, satanic, and exotic aspects of the human nature by incorporating it into myths and folk music. Their ideologies appealed to the liberals on the basis of rejecting an established order and emphasis on individual liberty, and conservatives on the basis of societal importance in religion. Liberalism held its ideology on the principle of economic, social, and political freedom. In particular, the liberals had three main aims: to establish and protect civil liberties; worked to achieve the right to vote to the middle class, and to promote free trade. They drew most of their support from merchants, manufacturers, ad middle-class professionals in urban areas. This ideology became prominent during the French revolution especially after the Congress of Vienna. It became a major force in France between the years 1830 and 1848, resulting in the overthrowing of the Bourbons who were replaced by Louis Philippe and attainment of republic status by France in 1848. In Britain, liberalism led to several reforms including the repeal of the Corn Laws in 1846 and also the Reform Bill of 1832. Another ideology that appeared during the French Revolution is Nationalism. This ideology held that nationalities had a right to identify and be attached to their nation. It aimed at establishing nation-states with people that shared the

Multinational Corporate Entities Essay Example | Topics and Well Written Essays - 3000 words

Multinational Corporate Entities - Essay Example   A well governed MCE must balance the three groups in organisation which are shareholders, boards of directors and managers without compromising the monetary promises and other responsibilities to the stakeholders. Shareholders provide the capital so that they can achieve benefit from it and increase the organisation’s corporate worth. Shareholders possess rights and authorities to choose or to discharge directors and auditors, and employ, support or reject any kind of central changes for the sake of organisation’s wellbeing such as merger or alterations in investment structure . Managing External Corporate RelationshipsThe legal and regulatory obligations are portions of external incentive structure aimed at ensuring obligation of common business standards such as impartiality, transparency, liability, concern for protecting the shareholders, the customers, the employees, and avoiding offensive business practices which can impact on environment. National and interna tional organisations have developed several external aspects on best practices of organisation such as appropriate disclosure of financial statements, proper accounting and auditing principles, employment regulations, environment criterions and industrial product standards among others. Managing the external aspects is essential as without those an organisation can face acquisition from other firms . Shareholders, as company owners, have the right to enable corporate governance and govern the organisation directly.... Shareholders provide the capital so that they can achieve benefit from it and increase the organisation’s corporate worth. Shareholders possess rights and authorities to choose or to discharge directors and auditors, and employ, support or reject any kind of central changes for the sake of organisation’s wellbeing such as merger or alterations in investment structure4. Managing External Corporate Relationships The legal and regulatory obligations are portions of external incentive structure aimed at ensuring obligation of common business standards such as impartiality, transparency, liability, concern for protecting the shareholders, the customers, the employees, and avoiding offensive business practices which can impact on environment. National and international organisations have developed several external aspects on best practices of organisation such as appropriate disclosure of financial statements, proper accounting and auditing principles, employment regulations, environment criterions and industrial product standards among others. Managing the external aspects is essential as without those an organisation can face acquisition from other firms5. Rights of Shareholders Shareholders, as company owners, have the right to enable corporate governance and govern the organisation directly or by voted representatives. The shareholders are not likely to undertake duty for handling corporate actions as they are usually positioned for board and administration teams. Shareholders can instigate the business units to provide attention on specific major concerns such as vote of board members and any other ways for inducing the arrangement of the board, alterations to the organisation’s gradual brochures,

PUBLIC LAW Case Study Example | Topics and Well Written Essays - 2000 words

PUBLIC LAW - Case Study Example So Rob had no chance of getting a lawyer on Sunday when the courts were also closed. Even if the courts were closed on Sunday, Rob had the option of getting a lawyer on Sunday as there are lawyers who are accessible 24/7. Thus, the issue is volatile not only for Rob but also the Officer Clegg. By denying Rob his right to approach a lawyer on the same night and by coercing him into accompanying him to the police station to get back the keys Clegg had confiscated from Rob, the Officer had put his own position on par with Rob. Further, Clegg continued to keep Rob in detention the whole of Saturday night after assuring Rob that he would be released in a matter of few hours and then extending the detention up to Monday when the courts opened. Rob was charged with possession of controlled drug on Saturday night at 10.30 pm and kept in custody until Monday so that the police could take him to the court. Police officer Clegg told Rob that he did not trust Rob, and consequently he kept Rob in custody until the court decided what to do with Rob. However, the manner in which Officer Clegg took Rob into custody is debatable. At first he confiscated Rob's key ring saying it was dangerous because of its sharpened edges. At the police station, Clegg took Rob to the front desk and put him straight in a cell saying he was just going to fill in some paperwork and be back shortly. When Rob again asked for a solicitor, Clegg told him that he would not need a solicitor since that would mean waiting all night. However, early next morning at 6.00 am, Clegg tells Rob that he was being charged with possession of a controlled drug that would require him to appear before the Magistrate on Monday morning. Basically, Officer Clegg had good reason to take Rob into custody. However, the manner in which it was done raises eyebrows. Rob has been nervous. He should not have confessed to the officer that the cannabis found on the road was his. He should have stuck to his rights to consult his lawyer before saying anything and kept his mouth shut. By confessing the cannabis as his, he has given the police a bigger reason to arrest him and put him on trial (Dirga, Eric J, 2002). In the circumstances, Rob has weakened his own defense. There is no mention of the amount of cannabis he was carrying. If he has been carrying a higher amount of cannabis that is above 28 grams, he could be prosecuted on charges of trafficking drugs. "the penalties for drug crimes range from very severe to probation and classes or a treatment program. Charges are generally based upon quantity, intent to sell or distribute and other factors such as weapons possession or use, evidence of sales activity, having large amounts of money, etc. The seriousness and ultimate punishment for drug crimes normally depends upon the quantity of the drug, the classification under the drug schedule, and the purpose of the possession (for personal use or for sale)" (Robert Miller & Associates, 2010). Apparently, Rob is a known offender and Officer Clegg is obviously under the impression Rob does not deserve to be dealt with

Tall nettles by Edward Thomas Essay Example for Free

Tall nettles by Edward Thomas Essay The narrator of this poem, which is written in two quatrains, describes a corner of the farmyard in which tall nettles cover old farm implements and suggests that he likes it because it is a reminder of mutability (liability to change) and the transience of life. The first stanza tells us that the nettles tower over the implements, except for the roller handle, as if they want to assert the supremacy of life and hide the fact that even things made from the most obdurate materials are subject to change and will eventually disappear. Yet, it is implied, the nettles grow in spring and will die in due course and what is now hidden will be revealed once again. The words cover up mean the nettles grow over but also imply attempt to conceal. The stanza also poses the paradox that truth can be revealed through illusion. The illusion here is that life is triumphant, as we know that the implements are lying under the nettles and will be revealed once again when the nettles themselves die and the illusion will be revealed for what it is also. The painting assonance of the short -u- vowels in cover, done, rusty and butt, together with the frequent pauses between the items in the list, convey an impression of exhaustion and reinforces the notion of something that is moribund or very near death. In the second stanza, the narrator explains why he likes this corner of the farmyard most. He tells us that he likes the dust on the nettles a reminder of mortality which is never finally removed although temporarily washed off by the showers that may briefly refresh but otherwise make no difference at all (it is an illusion that they do). He makes it clear that he has no unnatural liking for death by saying that he also likes the bloom (covering of fine powder, here representing the fullness of life) on flowers. However, the yoking of bloom and dust, and  dismissive tone of the word any, suggests that he knows the bloom will disappear also, and the flowers become dust, just as will the nettles when they die. The longer, more euphonious vowels (I, bloom-prove, flower-shower, sweetness), the inversion of the usual word order in the first line, the mellifluous flow of words, and the repeated admission that he likes certain things, convey an impression of sincerity and warmth, which in turn suggests how much he values the lesson he has learnt from this otherwise neglected and insignificant part of the farmyard. In this context, then, it becomes clear that the word nettles in the title (nettles are a stinging plant) is ambiguous and refers not only to the plants that are covering the implements but also to the principles of mutability and transience which are hidden be the nettles, and which people find hard to contemplate because it is not easy to accept the inevitability of death.

The Impact of Information Technology on Governments and Educational Organizations Essay Example for Free

The Impact of Information Technology on Governments and Educational Organizations Essay The Impact of Information Technology on governments: The Information Technology has revolutionized the government in servicing citizen. The nation consists of many varied information. All the information collected in the advanced database system and the concern department can retrieve the data from the single database. simple example in our Indian Institution is Public Deliver Systems (PDS),Citizen Identity Card, Green Card in USA, Residential Card in Gulf Countries. The government Can share the Information over the secured internet to combat the fraud, terrorism, etc. IT had very big impact in the aerospace and defense system of any government. This enabled the government to gather intelligence and transfer the data to the concern department in â€Å"secured way†. Some of the complex and very accurate bomber B2 would be impossible without the development of computer modeling techniques in IT. the Impact of Information Technology on Educational organizations: As IT has developed over the last thirty years and helped the educational establishment to influence in various ways. The most obvious example has been the Introduction of Information Technology related courses. These courses are introduced to the society has for qualified people to develop these Information Technologies. Developments such as the internet, satellite television has created a good platform the citizen of the country to know about what happening in the government, sports, education, engineering, etc . Educational organizations also have a goal to distribute Information from a source (lecture ,books, on-line resources etc) to the student. The processed by educational establishment distribute Information have become increasingly diverse, and the effectiveness of the process has also improved. The internet has helped the education institution where specialization is limited and they are looking for the particular resources which are available far away can be used through the internet to deliver the lecture and lab. Information technologies have enabled researchers to access a wider sources of information than previously available through such technologies as the internet and other related technologies such as electronic email, also enabled collaborative project to be undertaken between geographically distant group.

The Reinsurance Expected Loss Cost Formula

The Reinsurance Expected Loss Cost Formula ELCF is the excess loss cost factor (as a percentage of total lost cost). PCP is the primary company/subject premium. PCPLR is the primary company permissible loss ratio (including any loss adjustment expenses covered as a part of loss) RCF is the rate correction factor which is the reinsurers adjustment for the estimated adequacy or inadequacy of the primary rate Given that the coverage of this treaty is per-occurrence, we must also weigh the manual difference rate for the clash exposure. In order to determine the reinsurers excess share the ALAE is added to each claim, and therefore claims from policy limits which are below the attachment point will be introduced into the excess layer. The reinsure may have own data that describe the bi-variate distribution of indemnity and ALAE, or such information can be obtained from ISO or similar organization outside of United States of America. With these data the reinsurer is able to construct the increased limits tables with ALAE added to the loss instead of residing in its entirety in the basic limits coverage. Another more simple alternative is to adjust the manual increased limits factors so that they to account for the addition of the ALAE to the loss. A basic way of doing this is to use the assumption that the ALAE for each and every claim is a deterministic function of indemnity amount for the claim, which means adding exactly ÃŽÂ ³% to each claim value for the range of claim sizes that are near the layer of interest. This ÃŽÂ ³ factor is smaller than the overall ratio of ALAE to ground-up indemnity loss, as much of the total ALAE relates to small claims or claims closed with no indemnity. Assumption: when ALAE is added to loss, every claim with indemnity greater than $300,000 = (1+ ÃŽÂ ³) enters the layer $1,400,000 excess of $600,000, and that the loss amount in the layer reaches $1,400,000 when the ground-up indemnity reaches $2,000,000 = (1+ ÃŽÂ ³). From this the standard increased limits factors can be modified to account for ALAE added to the loss. In this liability context, Formula for RELC can be used with PCP as the basic limit premium and PCPLR can be used as the primary company permissible basic limits loss ratio. Assumption: Given the clash exposure an overall loss loading of ÃŽÂ ´% is sufficient enough to adjust the loss cost for this layer predicted from the stand-alone policies. Then ELCF determines the excess loss in the layer $1,400,000 with excess of $600,000 which arises from each policy limit and plus its contribution to the clash losses as a percentage of the basic limits loss that arise from the same policy limit. The formula for ELCF which is evaluated at limit (Lim) is as follows: Formula : Liability ELCF for ALAE Added to Indemnity Loss ELCF(Lim) = 0 Where Attachment Point AP = $600,000 Reinsurance Limit RLim = $1,400,000 Clash loading ÃŽÂ ´ = 5% Excess ALAE loading ÃŽÂ ³ = 20% The table 2 displays this method for a part of Allstates exposure using the hypothetical increased limits factors to calculate the excess loss cost factors with both ALAE and risk load excluded. Table 2: Excess Loss Cost Factors with ALAE Added to Indemnity Loss at 20% add-on and a Clash Loading of 5% Table : Excess Loss Cost Factors with ALAE Added to Indemnity Loss at 20% add-on and a Clash Loading of 5% (1) Policy Limit in $ (2) ILF w/o risk load and w/o ALAE (3) ELCF 200,000 1.0000 0 500,000 1.2486 0 600,000 1.2942 0.0575 1,000,000 1.4094 0.2026 1,666,666 1.5273 0.3512 2,000,000 or more 1.5687 0.4033 Source: own calculation based on Patrik (2001) Using the Formula 4., the ELCF($600,000) = 1.20*1.05*(1.2942-1.2486) = 0.0575, and ELCF($2,000,000) =1.20*1.05*(1.5687-1.2486) = 0.4033. Assumption1: for this exposure the Allstates permissible basic limit loss ratio is PCPLR = 70%. Assumption2: reinsurers evaluation indicates that the cedants rates and offsets are sufficient and therefore RCF is 1.00. The reinsurer can now calculate the exposure rate RELC and the reinsurers undiscounted estimate of loss cost in the excess layer as can be seen in the table 3. Table 3: Reinsurance Expected Loss Cost (undiscounted) Table : Reinsurance Expected Loss Cost (undiscounted) (1) Policy Limit in $ (2) Estimated Subject Premium Year 2009 in $ (3) Manual ILF (4) Estimated Basic Limit Loss Cost 0.70x(2)/(3) (5) ELCF (6) RELC in $ (4)x(5) Below 600,000 2,000,000 1.10 (avg.) 1272727.27 0 0 600,000 2,000,000 1.35 1,037,037.04 0.0575 59,629.63 1,000,000 2,000,000 1.50 933,333.33 0.2026 189,093.33 2,000,000 or more 4,000,000 1.75 (avg.) 1,600,000.00 0.3512 562,920.00 Total 10,000,000 n.a. 4,843,197.64 n.a. 811,642.96 Source: own calculation based on Patrik (2001) An exposure loss cost can be estimated using probability models of the claim size distributions. This directly gives the reinsurer the claim count and the claim severity information which the reinsurer can use in the simple risk theoretic model for the aggregate loss. Assumption: the indemnity loss distribution underlying Table 2 is Pareto with q =1.1 and b =5,000. Then the simple model of adding the 20% ALAE to the indemnity per-occurrence changes the indemnity of a Pareto distribution to a new Pareto with q =1.1and b=5,000*1.20 = 6,000. The reinsurer has to adjust the layer severity for a clash and this can be done by multiplying with 1+ÃŽÂ ´ =1.05. The reinsurer can therefore calculate from each policy limit the excess expected claim sizes, after dividing the expected claim size by the RELC for each limit the reinsurer obtains the estimates of expected claim count. This is done in Table 4. The expected claim size can be calculated as follows: Firstly the expected excess claim severity over the attachment point d and subject to the reinsurance limit RLim for a policy limit ÃŽÂ » can has to be calculated. This can be done as follows: For ÃŽÂ »= 600,000 For ÃŽÂ »=1,000,000 For ÃŽÂ »=2,000,000 The reinsurer is now able to calculate the expected claim count, the estimation can be seen in the table 4: Table 4: Excess Expected Loss, Claim Severity and Claim Count Table : Excess Expected Loss, Claim Severity and Claim Count Policy Count in $ (2) RELC in $ (3) Expected Claim Size in $ (4) Expected Claim Count (2)/(3) 600,000 59,629.63 113,928 0.523 1,000,000 189,093.33 423,164 0.447 2,000,000 or more 562,920.00 819,557 0.687 Total 811,642.96 1,356,649 1.68 Source: own calculation based on Patrik (2001) The total excess expected claim size for this exposure is $1,356,649. If the independence of claim events across all of the exposures can be assumed, the reinsurer can also obtain total estimates of the overall excess expected occurrence (claim) size and the expected occurrence (claim) count. Now we are going to estimate the experience rating. Step 3: Gather and reconcile primary claims data segregated by major rating class groups. As in the Example of property quota share treaties, the reinsurer needs the claims data separated as the exposure data, and the reinsurer also wants some history of the individual large claims. The reinsurer usually receives information on all claims which are greater than one-half of the proposed attachment point, but it is important to receive as much data as possible. Assumption: a claims review has been performed and the reinsurer received a detailed history for each known claim larger than $100,000 occurring 2000-2010, which were evaluated 12/31/00, 12/31/01à ¢Ã¢â€š ¬Ã‚ ¦, 12/31/09, and 6/30/10. Step 4: Filter the major catastrophic claims out of the claims data. The reinsurer wants to identify clash claims and the mass tort claims which are significant. By separating out the clash claims, the reinsurer can estimate their size and their frequency and how they relate to the non-clash claims. These statistics should be compared to the values that the reinsurer knows from other cedants and therefore is able to get a better approximation for the ÃŽÂ ´ loading. Step 5: Trend the claims data to the rating period. As with the example for the property-quota share treaties, the trending should be for the inflation and also for other changes in the exposure (e.g. higher policy limits) which may affect the loss potential, but unlike with the proportional coverage, this step cannot be skipped. The reason for this is the leveraged effect which has the inflation upon the excess claims. The constant inflation rate increases the aggregate loss beyond any attachment point and it increases faster than the aggregate loss below, as the claims grow into the excess layer, whereas their value below is stopped at the attachment point. Each ground-up claim value is trended at each evaluation, including ALAE, from year of occurrence to 2011. For example, consider the treatment of a 2003 claim in the table 5. Table 5: Trending an Accident Year 2003 Claim Table : Trending an Accident Year 2003 Claim (1) Evaluation Date (2) Value at Evaluation In $ (3) Trend factor (4) 2011 Level Value in 4 (5) Excess Amount in$ 12/31/03 0 1.62 0 0 12/31/04 0 1.62 0 0 12/31/05 250,000 1.62 405,000 0 12/31/06 250,000 1.62 405,000 0 12/31/07 300,000 1.62 486,000 0 12/31/08 400,000 1.62 648,000 48,000 12/31/09 400,000 1.62 648,000 48,000 06/30/10 400,000 1.62 648,000 48,000 Source: own calculation based on Patrik (2001) The reasoning for a single trend factor in this example is that the trend affects the claim values according to the accident date and not by an evaluation date. The trending of the policy limits is a delicate issue, because if a 2003 claim on a policy which has limit that is less than $500,000 inflates to above $600,000 ( plus ALAE), will be the policy limit that will be sold in the year 2011 greater than $500,000? It seems that over long periods of time, that the policy limits change with inflation. Therefore the reinsurer should over time, if possible, receive information on the Allstates policy limit distributions. Step 6: Develop the claims data to settlement values. The next step is to construct the historical accident year, thus we want to develop the year triangles for each type of a large claim from the data which was produced in column (5) of Table 5. Typically all claims should be combined together by major line of business. Afterwards the loss development factors should be estimated and applied on the excess claims data while using the standard methods. Also in order to check for reasonableness and comparable coverages we want to compare the development patterns that were estimated from Allstates data to our own expectations which have their basis in our own historical data. When considering the claim in Table 5 we see that only $48,000 is over the attachment point, and also only at the fifth development point Table 6: Trended Historical Claims in the Layer $1,400,000 Excess of $600,000 (in $1,000s) Table : Trended Historical Claims in the Layer $1,400,000 Excess of $600,000 (in $1,000s) Assumption: our triangle looks like the Table 6: Acc. Year Age 1 in $ Age 2 in $ Age 3 in $ à ¢Ã¢â€š ¬Ã‚ ¦ Age 9 in $ Age 10 in $ Age 10.5 in $ 2000 0 90 264 à ¢Ã¢â€š ¬Ã‚ ¦ 259 351 351 2001 0 0 154 à ¢Ã¢â€š ¬Ã‚ ¦ 763 798 à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ à ¢Ã¢â€š ¬Ã‚ ¦ 2008 77 117 256 2009 0 0 2010 0 ATA 4.336 1.573 1.166 à ¢Ã¢â€š ¬Ã‚ ¦ 1,349 n.a. n.a. ATU 15.036 3.547 2.345 à ¢Ã¢â€š ¬Ã‚ ¦ 1.401 1.050 = tail Smoothed Lags 11.9% 28.7% 47.7% à ¢Ã¢â€š ¬Ã‚ ¦ 93.1% 95.3% 96.7% Source: own calculation based on Patrik (2001) Where: ATA is Age-To-Age development factor ATU is Age-To-Ultimate development factor Lag(t) is the percentage of loss reported at time t The selection of the tail factor of 1.05 is based upon the general information about the development for this type of an exposure beyond ten years. By changing to the inverse for the point of view from the age-to-ultimate factors, the time lags of the claim dollar reporting, the loss reporting view is transformed to that of the cumulative distribution function (CDF) whose domain is [0,), this transformation gives a better outlook of the loss development pattern. It also allows considering and measuring the average (expected) lag and some other moments, that are comparable to the moments of loss development patterns from other exposures. Given the chaotic development of excess claims, it is a important to employ smoothing technique. If the smoothed factors are correctly estimated they should more credible loss development estimates which are more credible. They also allow to evaluate the function Lag( ) at every positive time. The smoothing which was introduced in the last row of Table 6 is based on a Gamma distribution with a mean of 4 (years) and a standard deviation of 3. It is also usually useful to analyze the large claim paid data, if possible, both to estimate the patterns of the excess claims payment and also to supplement the ultimate estimates which are based only on the reported claims that were used above. Sometimes the only data available are the data on aggregate excess claims, which would be the historical accident year per development year $1,400,000 excess of $600,000 aggregate loss triangle. Pricing without specific information about the large claims in such a situation, is very risky, but it is occasionally done. Step 7: Estimate the catastrophic loss potential. The mass tort claims such as pollution clean-up claims distort the historical data and therefore need special treatment. As with the property coverage, the analysis of Allstates exposures may allow us to predict some suitable loading for the future mass tort claim potential. As was said in the Step 4, the reinsurer needs to identify the clash claims. With the separation of the clash claims, for each claim, the various parts are then added together to be applied to the occurrence loss amount at the attachment point and at the reinsurance limit. If it is not possible to identify the clash claims, then the estimation of the experience of RELC has to include a clash loading which is based on judgment of the general type of exposure. Step 8: Adjust the historical exposures to the rating period. As in the example on the property quota-share treaties the historical exposure (premium) data has to be adjusted in such a manner that makes the data are reasonably relevant to the rating period, therefore the trending should be for the primary rate, for the underwriting changes and also for other changes in exposure that may affect the loss potential of the treaty.. Step 9: Estimate an experience expected loss cost, PVRELC, and, if desirable, a loss cost rate, PVRELC/PCP. Assumption: we have trended and developed excess losses for all classes of Allstates casualty exposure. The standard practice is to add the pieces up as seen in the table 7. Table 7: Allstate Insurance Company Casualty Business Table : Allstate Insurance Company Casualty Business (1) Accident Year (2) Onlevel PCP in $ (3) Trended and Developed Loss and Excess Loss (estimated RELC) in $ (4) Estimated Cost Rate in % (3)/(2) 2002 171,694 6,714 3.91 2003 175,906 9,288 5.28 2004 178,152 13,522 7.59 2005 185.894 10,820 5.82 2006 188,344 9,134 4.58 2007 191,348 6,658 3.48 2008 197122 8,536 4.33 2009 198,452 12,840 6.47 2010 99,500 2,826 2.84 Total 1,586,412 80,336 5.06 Total w/o 2010 1,486,912 77,510 5.21 Source: own calculation based on Patrik (2001) The average loss cost rate for eight years is 5.21%, where the data from the year 2010 was eliminated as it is too green (undeveloped) and there does not seem to be a particular trend from year to year. Table 7 gives us the experience-based estimate, RELC=PCP =5.21%, but this estimate has to be loaded for the existing mass tort exposure, and also for the clash claims if we had insufficient information on the clash claims in the claims data. Step 10: Estimate a credibility loss cost or loss cost rate from the exposure and experience loss costs or loss cost rates The experience loss cost rate has to be weighed against the exposure loss cost rate that we already calculated. If there is more than one answer with different various answers that cannot be further reconciled, the final answers for the $1.400, 000 excess of $600,000 claim count and for the severity may be based on the credibility balancing of these separate estimates. All the differences should however not be ignored, but should be included in the estimates of the parameter (and model) uncertainty, and therefore providing a rise to a more realistic measures of the variances, etc., and of the risk. Assumption: simple situation, where there are weighed together only the experience loss cost estimate and the exposure loss cost estimate. The six considerations for deciding on how much weight should be given to the exposure loss cost estimate are: The accuracy of the estimate of RCF, the primary rate correction factor, and thus the accuracy of the primary expected loss cost or loss ratio The accuracy of the predicted distribution of subject premium by line of business For excess coverage, the accuracy of the predicted distribution of subject premium by increased limits table for liability, by state for workers compensation, or by type of insured for property, within a line of business For excess coverage, the accuracy of the predicted distribution of subject premium by policy limit within increased limits table for liability, by hazard group for workers compensation, by amount insured for property For excess coverage, the accuracy of the excess loss cost factors for coverage above the attachment point For excess coverage, the degree of potential exposure not contemplated by the excess loss cost factors The credibility of the exposure loss cost estimation decreases if there are problems with any of these six items listed. Also the six considerations from which can be decided how much weight can be given to the experience loss cost estimate are: The accuracy of the estimates of claims cost inflation The accuracy of the estimates of loss development The accuracy of the subject premium on-level factors The stability of the loss cost, or loss cost rate, over time The possibility of changes in the underlying exposure over time For excess coverage, the possibility of changes in the distribution of policy limits over time The credibility of the experience loss cost estimate lessens with problems with any of the six items. Assumption: the credibility loss cost rate is RELC/PCP = 5.75%. For each of the exposure category a loss discount factor is estimated, which is based on the expected loss payment pattern for the exposure in the layer $1,400,000 excess of $600,000, and on a chosen investment yield. Most actuaries support the use of a risk-free yield, such as U.S. Treasuries for U.S. business, for the approximation of the maturity of the average claim payment lag. Discounting is significant only for longer tail business. On a practical base for a bond maturity which is between five to ten years it is better to use a single, constant fixed rate. Assumption: the overall discount factor for the loss cost rate of 5.75% is RDF= 75%, which gives PVRELC/PCP = RDF*RELC/PCP =0.75*5.75%= 4.31%, or PVRELC= 4.31% * $200,000,000 = $8,620,000. The steps 11 and 12 with this example are reversed. Step 12: Specify values for RCR, RIXL, and RTER Assumption: the standard guidelines for this size and type of a contract and this type of an exposure specify RIXL = 5% and RTER = 15%. The reinsurance pure premium RPP can be calculated as RPP = PVRLC/(1-RTER) = $8,620,000/0.85 = $10,141,176 with an expected profit as RPP PVRELC = $10,141,176 $8,620,000 = $1,521,176 for the risk transfer. As the RCR = 0% we can calculate the technical reinsurance premium of RP = RPP/(1-RIXL) = $10,141,176 /0.95 = $10,674,922. This technical premium is therefore above the maximum of $10,000,000 which was specified by the Allstate Insurance Company. If there is nothing wrong with technical calculations, then the reinsurer has two options. The first one is to accept the expected reinsurance premium of $10,000,000 at a rate of 5%, with the expected profit reduced to $10,000,000 $8,620,000 = $1,380,000 Or secondly the reinsurer can propose a variable rate contract, with the reinsurance rate varying due to the reinsurance loss experience, which in this case is a retrospectively rated contract. As the Allstate Insurance Company is asking for a retrospectively rated contract we select the second possibility. To construct a fair and balanced rating plan, the distribution of the reinsurance of an aggregate loss has to be estimated. Now we proceed with step 11. Step 11: Estimate the probability distribution of the aggregate reinsurance loss if desirable, and perhaps other distributions such as for claims payment timing. In this step the Gamma distribution approximation will be used. As our example is lower (excess) claim frequency situation, the standard risk theoretic model for aggregate losses will be used together with the first two moments of the claim count and the claim severity distributions to approximate the distribution of aggregate reinsurance loss. The aggregate loss in the standard model is written as the sum of the individual claims, as follows. Formula : Aggregate Loss L=X1 + X2 +à ¢Ã¢â€š ¬Ã‚ ¦+ XN with L as a random variable (rv) for aggregate loss N as a rv for number of claims (events, occurrences) Xi as rv for the dollar size of the ith claim The N and Xi are referring to the amount of the ith claim and to the excess number of claims. To see how the standard risk theoretic model relates to the distributions of L, N and the Xis see Patrik (2001). We are working with the assumption that the Xis are both identically and independently distributed and also independent of N, further we assume that the kth moment of L is determined completely by the first k moments of N and the Xis. There is following relationships. Formula : First Two Central Moments of the Distribution of Aggregate Loss under the Standard Risk Theoretic Model E[L] = E[N] x E[X] Var[L] = E[N] x E[X2] + (Var[N] E[N]) x E[X]2 Assumption: the E[L] = RELC =5.75%*$200,000,000 = $11,500,000 (undiscounted). We assume simplistically independent and identical distribution of the excess claim sizes and also the independency of the excess claim (occurrence) count. Usually this is a reasonable assumption. For our layer $1,400,000 excess of $600,000, our modeling assumptions and results are shown in the formula below. Formula : Allstate $1,400,000 Excess of $600,000 Aggregate Loss Modeling Assumptions and Results

ESD Static Electicity :: essays research papers

Every one knows what static electricity is. We have all seen static electricity in the form of lightning or even in the zap when reaching for a door knob. Sliding across the car seat or walking across the carpet can create this charge. The same types of electrical charges can have an effect on the electronic components you handle every day in class. Static electricity is an electrical charge at rest. Static electricity is most commonly created by friction and separation. Friction causes heat which excites the molecular particles of the material. When two materials are then separated, a transfer of electrons from one material to the other may take place. As electrons transfer, the loss or the addition or electrons creates an electrical field known as static electricity. The simple separation of two materials, as when tape is pulled off a roll, can also create this same transfer of electrons between materials, generating static electrical fields. The amount of static electricity gener ated depends upon the materials affected by friction or separation, the amount of friction or separation and the amount of humidity in the environment. Common plastic generally will create the most static charge. Low humidity conditions such as those created when air is heated during the winter will also cause the creation of static electricity. Many of the common activities you perform daily may generate charges on your body that are potentially harmful to components. Some of these activities include: †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Walking across a carpet, 1,500 to 35,000 volts †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Walking over untreated vinyl floor, 250 to 12,000 volts †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Worker at a bench, 700 to 6,000 volts †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Vinyl envelope used for work instructions, 600 to 7,000 volts †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Picking up a common plastic bag from a bench, 1,200 to 20,000 volts These activity examples were taken from www.midwestesd.com. When you feel a static shock, you are experiencing a minimum of 3,000 volts of electricity. While you can feel electrostatic discharges of 3,000 volts, smaller charges are below what the average human can feel. Unfortunately, these smaller charges can and do damage small electrical devices. Many of the components used in your computer can be damaged by charges of less than 1,000 volts.

Ernest Hemingways The Sun Also Rises - Lost Generation :: Hemingway Sun Also Rises Essays

THE SUN ALSO RISES - Lost Generation Ernest Hemingway's The Sun Also Rises (1926) has been considered the essential prose of the Lost Generation. Its theme of alienation and detachment reflected the attitudes of its time. In fact, the term "Lost Generation" was originally coined in a conversation by Gertrude Stein, a member of the expatriate circle in 1920's Paris. While spontaneous and meaningless when first spoken, the expression would unwittingly go on to become the label for the expatriates from the United States and England who had rejected traditional American and British conventions for the more appealing lifestyle of Left Bank, Paris. Congregating in cafés located along the Boulevard Montparnasse to drink, talk and watch the crowds pass by, the Lost Generation was comprised of exiles who had spurned the pre-war values of love, romanticism, optimism, prosperity and hope that they had grown up believing in, all shattered by the war. As well as the glitter and potential of the Great Boom of the 1920's, which they now saw as American and money-based, and therefore corrupt and insincere. Unable to reconcile themselves with their past beliefs, and unwilling to accept those of their present mainstream society, the Lost Generation was left morally bankrupt and spiritually sterile, with only the fleeting pleasures of alcohol and sexual promiscuity as comfort. Many Americans in Paris became bohemian writers and artists as a reactionary protest to the business- and consumer-based culture in the United States, their days spent lounging in cafés and their nights hopping from one meaningless relationship to the next. For the Lost Generation, love, hope and religion were foreign concepts after WWI, replaced by a world of sexual liberty and moral indifference. The lounging in the cafes and the promiscuity of the generation is very much connected with their traumas from the War. They are suffering from post-traumatic stress and are trying to deal with it. In 1926, Ernest Hemingway wrote The Sun Also Rises, a semi-autobiography based on his adventures in France and Spain in 1924-25. Despite having already received moderate critical acclaim for his prior works, it would be this novel that would gain him international success and make him the leader of the so-called Lost Generation.

Traveling West: Diary of Mary Graddy :: essays research papers

August 20th, 1821 Today is a day of hope and of great anticipation. John, my husband, has told me we are to leave to California tomorrow. We are to leave our small, pitiful home here in Massachusetts and find many opportunities in the west. We have heard of many men who have traveled west and discovered gold. â€Å"Gold covers California like a blanket,† they have told John. Our farm here leaves no opportunities for our family. Our two sons and three daughters are growing older and we wish for them to be prosperous. Not like now. Now, we have no money and our only value, our farm, is falling apart. I must pack very few belongings into our wagon and we must be ready to leave with the others when the sun rises in the morning. The elder girls, Anna, who is fifteen, and Lucy, who is twelve, are to help with the cleaning and packing all day. Fannie, seven years old, is very sick, and has some sort of flu. The doctor costs money, which we don’t have, so we are relying on our prayers and faith in God to help her. John and our two sons, William who is seventeen, and Andrew who is ten, are taking care of all last minute details for the farm, and my brother from Virginia is arriving tonight with his wife and baby daughter to care for the farm while we are gone and they are to live here unless we return. August 23rd, 1821 This is our third morning traveling and we are all anxious and eager to see this great place called California. The oxen are behaving well, and I believe we will make it there in a few months. Fannie is slightly better and she has ceased crying throughout the night as she did before we left. This is a sign from God. The Lord shall guide us through this and we shall overcome all obstacles and since Fannie’s fever has gone away I feel better about each new day. September 1st, 1821 Eight days since I have written and those days have been very relaxing. My children and I walk beside the wagon throughout the day and sing many joyous melodies. The weather is starting to cool down now and the breeze feels sensational as it whips through my hair and brushes over my skin. Traveling West: Diary of Mary Graddy :: essays research papers August 20th, 1821 Today is a day of hope and of great anticipation. John, my husband, has told me we are to leave to California tomorrow. We are to leave our small, pitiful home here in Massachusetts and find many opportunities in the west. We have heard of many men who have traveled west and discovered gold. â€Å"Gold covers California like a blanket,† they have told John. Our farm here leaves no opportunities for our family. Our two sons and three daughters are growing older and we wish for them to be prosperous. Not like now. Now, we have no money and our only value, our farm, is falling apart. I must pack very few belongings into our wagon and we must be ready to leave with the others when the sun rises in the morning. The elder girls, Anna, who is fifteen, and Lucy, who is twelve, are to help with the cleaning and packing all day. Fannie, seven years old, is very sick, and has some sort of flu. The doctor costs money, which we don’t have, so we are relying on our prayers and faith in God to help her. John and our two sons, William who is seventeen, and Andrew who is ten, are taking care of all last minute details for the farm, and my brother from Virginia is arriving tonight with his wife and baby daughter to care for the farm while we are gone and they are to live here unless we return. August 23rd, 1821 This is our third morning traveling and we are all anxious and eager to see this great place called California. The oxen are behaving well, and I believe we will make it there in a few months. Fannie is slightly better and she has ceased crying throughout the night as she did before we left. This is a sign from God. The Lord shall guide us through this and we shall overcome all obstacles and since Fannie’s fever has gone away I feel better about each new day. September 1st, 1821 Eight days since I have written and those days have been very relaxing. My children and I walk beside the wagon throughout the day and sing many joyous melodies. The weather is starting to cool down now and the breeze feels sensational as it whips through my hair and brushes over my skin.

Cyber Laws and Cyber Crime

Presented by: Kale Sandeep N. Gaikwad Avinash R. S. E. (Comp) S. E. (I T) E-mail: [email  protected] com E-mail: avi. [email  protected] com Mob: 919970061442 Mob: 919960308551 G H Raisoni Institute of Engineering and Management, Jalgaon (M. S) Index Topics Page No. 1 Abstract 1 2 Introduction 2 3 Cyber crime 2 4 Classification of Cyber crime 2 5 Status of Cyber Crime 6 6 Cyber law 7 7 Cyber Law in India 8 8 Advantages of Cyber Law 9 9 General Suggestions and information 10 0 Suggestions for better security 10 11 Conclusion 11 12 Reference 12 Abstract: Cyber law and cyber crime is becoming an important issue for social and economical concerned. The use of computer, electronic devices and software is increased; the need to protect these devices and software properly is inherently appeared with this. To protect these, it becomes necessary to know about cyber crime and cyber law. Cyber crime is unlawful act in which computer is either tool or target. After development of internet ev ery computer is able access data and information from all over the world. This also lead to the misuse of computer and internet for Crime such as Financial crimes, Cyber pornography, Online gambling, Intellectual Property crimes, Forgery, Cyber Defamation, Cyber stalking, Email spoofing, Email bombing, Denial of Service attack, Salami attacks, Virus / worm attacks, Web jacking, Data diddling etc. Now days most of financial and non-financial activities are done with computer and computer related services such as Internet. Also the concept of e-Governance coming in picture, where the confidential document of an organization is process and stored. The need of protection Cyber security resulted into development of cyber law in India and all around the world. Cyber law is important because it touches almost all aspects of transactions and activities on and concerning the Internet, the World Wide Web and Cyberspace. The paper throw light on the brief types of cyber crime, status of cyber crime and cyber awareness in India, Cyber law in India , Advantages of it in brief. Also this paper suggests the precaution measures and tips for cyber security for the users of computer and internet. 1. Introduction The first recorded cyber crime took place in the year 1820! That is not surprising considering the fact that the abacus, which is thought to be the earliest form of a computer, has been around since 3500 B. C. in India, Japan and China. The era of modern computers, however, began with the analytical engine of Charles Babbage. Today, computers have come a long way, what with neural networks and nano-computing promising to turn every atom in a glass of water into a computer capable of performing a billion operations per second. Cyber crime is an evil having its origin in the growing dependence on computers in modern life. In a day and age when everything from microwave ovens and refrigerators to nuclear power plants is being run on computers, cyber crime has assumed rather sinister implications. 2. Cyber crime At the Tenth United Nations Congress on the Prevention of Crime and Treatment of Offenders, cyber crime was broken into two categories and defined thus: 2. 1. Cyber crime in a narrow sense: Any illegal behavior directed by means of electronic operations that targets the security of computer systems and the data processed by them. 2. 2. Cyber crime in a broader sense: Any illegal behavior committed by means of, or in relation to, a computer system or network, including such crimes as illegal possession offering or distributing information by means of a computer system or network. As per Indian law, Crime has to be voluntary and willful, an act or omission that adversely affects a person or property. A simple definition of cyber crime would be â€Å"unlawful acts wherein the computer is either a tool or a target or both†. 3. Classification of Cyber crime Cyber Crime is classified into 4 major categories as (A) Cyber crime against Individual B) Cyber crime Against Property (C) Cyber crime Against Organization (D) Cyber crime Against Society 3. 1. Against Individuals 3. 1. 1. Email spoofing : A spoofed email is one that appears to originate from one source but actually has been sent from another source. E. g Avinash has an e-mail address [email  protected] com His enemy, Rohan spoofs his e-mail and sends obscene messages to all his acquainta nces. Since the e-mails appear to have originated from Avinash, his friends could take offence and relationships could be spoiled for life. 3. 1. 2. Spamming: Spamming means sending multiple copies of unsolicited mails or mass e-mails such as chain letters. 3. 1. 3. Cyber Defamation This occurs when defamation takes place with the help of computers and / or the Internet. E. g. someone publishes defamatory matter about someone on a website or sends e-mails containing defamatory information to all of that person’s friends. 3. 1. 4. Harassment and Cyber stalking: Cyber Stalking Means following the moves of an individual's activity over internet. It can be done with the help of many protocols available such at e- mail, chat rooms, user net groups. The Oxford dictionary defines talking as â€Å"pursuing stealthily†. Cyber stalking involves following a person’s movements across the Internet by posting messages (sometimes threatening) on the bulletin boards frequented by the victim, entering the chat-rooms frequented by the victim, constantly bombarding the victim with emails etc. 3. 2. Against Property: 3. 2. 1. Credit Card Fraud :You simply have to type credit card number into www page of vendor for online transaction. If electronic transactions are not secured the credit card numbers can be stolen by the hackers who can misuse this card by impersonating the credit card owner. . 2. 2. Intellectual Property crimes: These include Software piracy i. e. illegal copying of programs, distribution of copies of software ,Copyright infringement Trademarks violations ,Theft of computer source code 3. 2. 3. Internettimetheft: The usage of the Internet hours by an unauthorized person which is actually paid by another person. 3. 3. Against Organization 3. 3. 1. UnauthorizedAccessingofComputer: Accessing the computer/network without permission from the owner. This activity is commonly referred to as hacking. The Indian law has, however, given a different connotation to the term hacking, so we will not use the term â€Å"unauthorized access† interchangeably with the term â€Å"hacking†. It can be of 2 forms one is Changing/deleting data i. e. unauthorized change in data and other is Computer voyeur where the criminal reads or copies confidential or proprietary information, but the data is neither deleted nor changed. 3. 3. 2. Denial Of Service When Internet server is flooded with continuous bogus requests so as to denying legitimate users to use the server or to crash the server. Denial of service attack involves flooding a computer resource with more requests than it can handle. This causes the resource (e. g. a web server) to crash thereby denying authorized users the service offered by the resource. Another variation to a typical denial of service attack is known as a Distributed Denial of Service (DDoS) attack wherein the perpetrators are many and are geographically widespread. It is very difficult to control such attacks. Denial-of-service attacks have had an impressive history having, in the past, brought down website like Amazon CNN, Yahoo and eBay 3. 3. 3 Virusattack A computer virus is a computer program that can infect other computer programs by modifying them in such a way as to include a possibly evolved copy of it. Viruses can be file infecting or affecting boot sector of the computer. Worms, unlike viruses do not need the host to attach themselves to. 3. 3. 4. Email Bombing: Email bombing refers to sending a large number of emails to the victim resulting in the victim’s email account (in case of an individual) or mail servers (in case of a company or an email service provider) crashing. 3. 3. 5. Salami Attack: When negligible amounts are removed & accumulated in to something larger. These attacks are used for the commission of financial crimes. The key here is to make the alteration so insignificant that in a single case it would go completely unnoticed. 3. 3. 6. Logic Bomb : Its an event dependent program , as soon as the designated event occurs, it crashes the computer, release a virus or any other harmful possibilities This implies that these programs are created to do something only when a certain event (known as a trigger event) occurs. E. g. even some viruses may be termed logic bombs because they lie dormant all through the year and become active only on a particular date. . 3. 7. Trojan Horse A Trojan is an unauthorized program which functions from inside what seems to be an authorized program, thereby concealing what it is actually doing. There are many simple ways of installing a Trojan in someone’s computer. The Common Types of Trojan horse are †¢ Remote Administration Trojans (RATs) †¢ Password Trojans †¢ Privileges-Elevating Tr ojans †¢ Destructive Trojans †¢ Joke Programs 3. 3. 8. Data diddling This kind of an attack involves altering raw data just before it is processed by a computer and then changing it back after the processing is completed. Electricity Boards in India have been victims to data diddling programs inserted when private parties were computerizing their systems. 3. 4. Against Society 3. 4. 1. Forgery: Counterfeit currency notes, postage and revenue stamps, mark sheets etc can be forged using sophisticated computers, printers and scanners. Outside many colleges across India, one finds touts soliciting the sale of fake mark sheets or even certificates. These are made using computers, and high quality scanners and printers. 3. 4. 2. Cyber Terrorism: It is use of computer resources to intimidate or coerce others. Computer crime has hit mankind with unbelievable severity. Computer viruses, worms, Trojans, denial of service attacks, spoofing attacks and e-frauds have taken the real and virtual worlds by storm. The term â€Å"cyber terrorism† can be defined as â€Å"Cyber terrorism is the premeditated use of disruptive activities, or the threat thereof, in cyber space, with the intention to further social, ideological, religious, political or similar objectives, or to intimidate any person in furtherance of such objectives. 3. 4. 3 Web Jacking Hackers gain access and control over the website of another, even they change the content of website for fulfilling political objective or for money. This occurs when someone forcefully takes control of a website (by cracking the password and later changing it). The actual owner of the website does not have any more control over what appears on that website. 4. Status of Cyber Crime Ba ck in 1990, less than 100,000 people were able to log on to the Internet worldwide. Now around 500 million people are using the net around the globe. UK has the largest number of infected computers in the world followed by the US and China. The US is the leading source country for attacks. China is second and Germany is third. 4. 1. In India: i) During 2003, a total of 411 cases were registered under IPC Sections as compared to 738 such cases during 2002 thereby reporting a significant decline of 44 percent in 2003 over 2002. ii) A total of 475 persons were arrested in the country for Cyber Crimes under IPC during 2003. iii) The age-wise profile of the arrested persons showed that 45 percent were in the age-group of 30-45 years, 28. percent of the offenders were in the age-group of 45-60 years and 11 offenders were aged 60 years and above. Above figures doesn't mean that cyber crime is declining in India, the fact is that people in our country do not report cyber crimes for the following reasons: a) They don't want to face harassment by police. b) The fear of bad publicity which could hurt their reputation in society. Also, c) It becomes extremely difficult to convince the police to register any cyber crime, because of lack of awareness about cyber crime and cyber law and also about their registration and handling by the police. A recent survey indicates that for every 500 cyber crime incidents that took place, only 50 are reported to the police and out of that only one is actually registered. These figures indicate how difficult it is to convince the police to register a cyber crime. The establishment of cyber crime cells in different parts of the country was expected to boost cyber crime reporting and prosecution. However, these cells haven't quite kept up with expectations. 5. Cyber law The cyber world has no physical boundaries, no single authority who governs the internet. The Internet is the medium for freely sharing information and opinions; It provides everyone with round the clock access to information, credit and financial services, and shopping. Even network information systems are being adopted by the government worldwide, that's why the governments across the world are recognizing the need to securing & regulating the cyber world. 5. 1. Why Cyber law? When Internet was developed, the founding fathers of Internet hardly had any inclination that Internet could transform itself into an all pervading revolution which could be misused for criminal activities and which required regulation. Today, there are many disturbing things happening in cyberspace. Due to the anonymous nature of the Internet, it is possible to engage into a variety of criminal activities with impunity and people with intelligence, have been grossly misusing this aspect of the Internet to perpetuate criminal activities in cyberspace. Hence there is need for Cyber laws in India. Cyber law is important because it touches almost all aspects of transactions and activities on and concerning the Internet, the World Wide Web and Cyberspace. Whether we realize it or not, every action and every reaction in Cyberspace has some legal and Cyber legal perspectives. . 2 Who should concern about Cyberlaw? Everyone, Cyber law is of everyone’s concern. As the nature of Internet is changing and this new medium is being seen as the ultimate medium ever evolved in human history, every activity of yours in Cyberspace can and will have a Cyber legal perspective. From the time one register Domain Name, to the time one set up a web site, to the time one promote a website, to the time when one send and receive email, to the time one conduct electronic commerce transactions on the said site, at every point of time, there are various Cyber law issues involved. One may not be bothered about these issues today because one may feel that they are very distant from him/her and that they do not have an impact on Cyber activities. But sooner or later, you will have to tighten your belts and take note of Cyber law for your own benefit. 6. Cyber Law In India: Cyber Crimes are a new class of crimes to India. It is rapidly expanding due to extensive use of internet. India is among few countries in the world that have a separate law for cyber crimes. Recently Nepal has passed Bill against Cyber crime. Indian parliament has passed the legislation known as Information Technology Act 2000 drafted by the Ministry of Communication and Information. The Information Technology Act came into force on 17th October, 2000. IT Act amends some of the existing legislation, such as Indian Penal Code,1860 Indian Evidence Act, 1872 Bankers Book Evidence Act. 1891, Reserve Bank of India Act, 1934 6. 1. Features of The IT Act 2000: i)Legal recognition of electronic contracts, digital signature, digital certificates. ii) Various types of cyber crime committed in India and outside India is covered alongwithpenalties. ii) Appointment of Certifying Authorities(CA) to issue digital signature, digital certificates. iv)Controller of Certifying Authorities to act as depository for all Certifying Authorities. v) Appointment of Adjudicating Officer for holding enquiries under this Act. vi) EstablishmentofCyberAppellateTribunal. vii) Cyber Regulations Advisory Committee who will advice the Central Government an d CA. Technology. The act is based on the â€Å"United Nations Commission on International Trade Law†(UNCITRAL) model on electronic commerce. 6. 2. IT Act 2000 does not include: ) Specific Definition of cyber crime is not given.. ii) Intellectual Property Rights such as trade Marks, Patents, Digital Copyright Issues. iii) Domain name disputes and their resolution, Data protection issues are not covered. iv)No provision is made for the Taxation issues arising due to e-commerce 7. Advantages of Cyber Laws The IT Act 2000 attempts to change outdated laws and provides ways to deal with cyber crimes. We need such laws so that people can perform purchase transactions over the Net through credit cards without fear of misuse. The Act offers the much-needed legal framework so that information is not denied legal effect, validity or enforceability, solely on the ground that it is in the form of electronic records. The IT Act 2000 and its provisions contain many positive aspects. Firstly, the implications of these provisions for the e-businesses would be that email would now be a valid and legal form of communication in our country that can be duly produced and approved in a court of law. Digital signatures have been given legal validity and sanction in the Act. The Act throws open the doors for the entry of corporate companies in the business of being Certifying Authorities for issuing Digital Signatures Certificates. The Act now allows Government to issue notification on the web thus heralding e-governance. It shall now be possible for corporates to have a statutory remedy in case if anyone breaks into their computer systems or network and causes damages or copies data. The remedy provided by the Act is in the form of monetary damages, not exceeding Rs. 1 crore. 8. General Suggestions against cyber crime †¢ Don't delete harmful communications (emails, chat logs, posts etc). These may help provide vital information about the identity of the person behind these. †¢ Try not to panic. †¢ If you feel any immediate physical danger of bodily harm, call your local police. †¢ Avoid getting into huge arguments online during chat or discussions with other users. †¢ Be extremely careful about how you share personal information about yourself online. †¢ Make sure that your ISP and Internet Relay Chart (IRC) network have an acceptable use policy that prohibits cyber-stalking. And if your network fails to respond to your complaints, consider switching to a provider that is more responsive to user complaints. If a situation online becomes hostile, log off or surf elsewhere. If a situation places you in fear, contact a local law enforcement agency. †¢ Save all communications for evidence. Do not edit or alter them in any way. Also, keep a record of your contacts with Internet System Administrators or Law Enforcement Officials. 9. Suggestion s for better security †¢ Use strong passwords. Choose passwords that are difficult or impossible to guess. Give different passwords to all other accounts. †¢ Make regular back-up of critical data. Back-up must be made atleast once in each day. †¢ Use virus protection software. Checking daily for new virus signature updates, and then actually scanning all the files on your computer periodically. Use a firewall as a gatekeeper between your computer and the Internet. †¢ Do not keep computers online when not in use. Either shut them off or physically disconnect them from Internet connection. †¢ Do not open e-mail attachments from strangers, regardless of how enticing the subject line or attachment may be. †¢ Regularly download security patches from your software vendors. 10. Conclusion Thus, the awareness of cyber crime and cyber law has become a necessity for persons in cyberspace. The study of cyber crime and its different aspects will be helping to individual in cyberspace to avoid and restrict the cyber crime around them and related to them. Also the study of cyber crime will keep them alert against cyber crime. Absence of Cyber security policy in organization may lead to critical problem for Management to maintain the data security of organization. Recent incidents relating to cyber crime have not just increased the vulnerability of various socio-economic constituents, but also brought forth the need for better managerial and operating capabilities of our legal framework in stopping this growing menace. Cyber law in India is nothing but the outcome of this need. Cyber law will be helpful to control the cases of cyber crime. IT act 2000 has given constitutional support to fight against cyber criminals. This act has also given legal status to e-business, digital signature cause to increase faith in online trading. The number of cases reported is much less than what it is in reality. This is because of unawareness of law. Awareness program on Cyber law and Cyber Crime should undertaken by Social Organisation. The program may include basic information of cyber law, internet security, and minimum hardware and software security measures required for an individual or organisation. Reference: (1) Cyber and Information Technology –Article By Talwant Singh (Judge) (2) Perspective of Cyber crime in India – Kernila Seth (3) Cyber law ,Data Protection in India – Article by Gurpreet Singh (4) www. cuil. com (5) www. cyberlawsindia. net (6) www. cybersmart. in (7) www. indlii. org (8) www. asianlaws. org (9) www. report cyber crime. com (10) www. scribd. com

Conjoined Twins

Conjoined twins happen once in every 200,000 live births (Maryland). Conjoined twins are identical twins whose bodies are joined in utero. Most are stillborn and others are born with severe abnormalities that make living a normal life almost impossible. The survival rate of conjoined twins is between 5 percent and 25 percent (Maryland). The most common form of conjoined twins is thoracopagus twins. These types of twins share the same heart. Some of the other types of conjoined twins include omphalopagus in which the twins are conjoined at the lower chest but no heart is involved.Parasitic twins are when twins are asymmetrically conjoined. One twin is dependent on the larger twin for survival. Another type of twin is the craniopagus twins in which the skulls are fused together. Surgical separation of conjoined twins is a risky procedure and requires extreme precision. Success rates have been improving but it is still rare. Surgical separation is often the only way that the conjoined t wins can survive. The success rates of separation make it difficult though to make this decision. Separation often results in one or both twins deaths. This leads to the ethical dilemma on whether to separate conjoined twins.Recent research has found that the quality of life for conjoined twins is often higher than is commonly supposed. There have been many different controversial cases regarding the separation of conjoined twins. A noted case is the â€Å"Jodie† and â€Å"Mary† judicial decision. Jodie and Mary were a set of combined twins that were brought to the court of appeals in England. Mary was dependent on Jodie for survival because many of her vital organs were within Jodie’s skeletal structure. The twins’ parents were devout Catholics and were against the separation of the twins, despite the doctors wishes.The physicians decided to bring the matter the courts. The judicial decision was to separate the two and this ultimately led to Mary’ s death. Jodie survived and is still doing well after a year (Kaveny). The case of Jodie and Mary caused many ethicists to look at the ethical and legal issues regarding surgical separation. The article â€Å"One into two will not go: conceptualizing conjoined twins† responds to the judicial decisions following the surgery. The article discusses three conceptual possibilities. One possibility is that one twin is a person and the other twin is just an extra body.This allows for an easy decision which involves separation and the survival of one twin. Another possibility is that the two conjoined twins are two separate physical beings. A third possibility is that the twins are psychologically different people but they share the same body, so neither has rights over the body. Another article, â€Å"The Case of Conjoined Twins: Embodiment, Individuality, and Dependence,† Cathleen Kaveny analyzes the same case and discusses two different views of embodiment. The two differen t views are the â€Å"Bodily Distinctness View† and the â€Å"Bodily Relatedness View. Kaveny discusses both views and their role in making an ethical decision regarding separating conjoined twins. There are many reasons to keeping twins conjoined. Conjoined twins are two separate people with their own personalities. So much has been done to accommodate for their lifestyle and make it easier for them to live a normal life. The twins become close with each other along with their parents and others. If the twins are old enough, separating them can often lead to psychological issues from the separation and guilt that comes with losing a twin.Guilt and separation issues also happen with parents and those in charge with making the decision. Losing a child is extremely devastating and that is ultimately what the parents are doing. Most often one twin can survive but the other will die. The quality of life of the twins has to bad enough that risking one life or possibly two will be worth it. There are also many reasons for surgically separating conjoined twins. Conjoined twins often need to be separated in order to survive. Separating the conjoined twins can help to save one or possibly both twins. It is also allowing for one or both to have a normal, long life.Separation can guarantee survival for at least one twin which seems to be the most beneficent. A good quality of life for at least one person seems to outweigh a bad quality of life and possibly a shortened life of two conjoined persons. One ethical principle relating to the issue is beneficence. Beneficence means to do what is good. Beneficence is tough when it comes to the separation of conjoined twins because of the many issues that lie in the decision. The beneficent principle goes hand in hand with the utilitarian theory which is making a decision that brings about the most benefit to the most people.Both choices have beneficent aspects. Keeping the twins conjoined is good for the parents of the c hildren, the children, and anyone who is close with them such as family and friends. It can make them happy and help them psychologically. Separating the twins can be good for the parents and the twins if they survive and get to live a productive and good life. It also is good for the community to have someone who is productive and capable of taking care of themselves in the community. According to the beneficent principle it seems that separating the twins will do the most good for the most people.Another ethical principle relating to the issue is autonomy. Autonomy states that people should be allowed to reign over themselves and make their own decisions. This means that making a decision to separate the twins is up to the parents or the twins according to their age. This is one of the reasons that the ‘Jodie’ and ‘Mary’ case is an ethical issue. The debate is that the decision should ultimately be the parents due to the autonomy principle. The surgical s eparation of conjoined twins is a much debated topic on what the best choice is and who is ultimately in charge of making this decision.The decision will most likely never be made and it will be a highly debated topic for as long as conjoined twins are being born. Doctors, parents, and government officials will always be debating on whose decision it is to separate conjoined live twins. After doing research on the ethical issues surrounding the separation of conjoined twins, I have formulated many opinions on this dilemma. The best way to resolve the dilemma, I believe, is to leave the decision of separating conjoined twins to the parents or the twins. Taking the decision to the courts and trying to go above the parent’s choice seems ethically unfair and wrong.Leaving the decision to the parents seems to be the most beneficent and regards the ethical principle of autonomy. I am undecided on whether the best decision would be to separate the twins or keep them conjoined. There were many ethical issues surrounding this dilemma and the pros and cons for both sides were just too complicated for me to make a complete decision. The decision would be a tough one This conclusion was reached after reading the articles about the ‘Jodie’ and ‘Mary’ case and reading research on other cases. Both articles that I have chosen bring up many points regarding both sides of the argument.One article was focused on the choice of whether to separate conjoined twins or keep them conjoined and the other article discussed the ethical reasons on not allowing the parents to decide the fate of their own children. The success rates of separation are low but the quality of life for the separated twins is much more. Bibliography 1. Bratton, M. Q. , and S. B. Chetwynd. â€Å"One into Two Will Not Go: Conceptualising Conjoined Twins. † J Med Ethics 30 (2004): 279-85. 2. Kaveny, Cathleen M. â€Å"The Case of Conjoined Twins: Embodiment, Individuality, a nd Dependence. † Theological Studies (2001): 753-86