Quastions ch 1 Essay Example | Topics and Well Written Essays - 500 words

Quastions ch 1 - Essay Example Organizations participate in universal business as a proportion of getting to new markets for its novel items, accessâ economies of scale, spread R&D expenses, and access to higher benefits attributable to certain advantages of working in the worldwide market including low creation cost, low rivalry, and financial and send out motivations. The development of worldwide business has quickened because of monetary progression in duty structure and guideline inferable from the activities of WTO permitting firms to set base universally and still make benefits without being influenced duties and guidelines. The other explanation increasing speed of worldwide business is forward leaps in innovation as far as assembling, correspondence, and data, transportation advancements making the world a worldwide town. The outcome has been capacity for large scale manufacturing, decrease in transport costs, and a decrease in centrality of separation as a factor in deciding the nation of tasks. Worldwide monetary joining, WTO and GATT, and development to free market frameworks are different reasons that have encouraged the speeding up of global business development (Herrmann, May 2012). The eventual fate of globalization is that of the proceeded with increment particularly in instruction segment through worldwide effort of colleges, and understudy streams, relocation of individuals and frameworks for worldwide food creation. With expanded interconnectedness, globalization will proceed at a quick rate prompting the trading of thoughts, products, employments, and cash. Expanded globalization later on will bring about simpler access of data, expanded unpredictability, and monetary vulnerability. The reactions of globalization incorporate that it has prompted the destruction of the earth, inconsistent advancement of nations with the created nations having a superior bit of leeway over creating

hard :: essays research papers

Difficult situations, by Charles Dickens, was a portrayal of his time. Times were hard for kids and grown-ups the same. Individuals who addressed what they were instructed, frequently experienced battles and â€Å"hard times.† Eventually, the individuals who were looked down were the ones who truly helped those out of luck. All through the book, there are numerous amusing occasions. Thomas Gradgrind was a man based on the possibility that realities and measurements were the main truth throughout everyday life and every one of that was expected to have a solid and gainful life. The main truth to him was his own one of a kind vision of reality. Straightforward put, Thomas Gradgrind strived for flawlessness. He strived to be great, which is the thing that his way of thinking depended on, and he strived to make his kids great and not to ponder. He brought up his youngsters never to ponder, never to question realities and to never engage any bad habit or extravagant. When Gradgrind’s youngsters were mature enough to assimilate, he was taking care of giving a greater number of exercises than they could hold. His youngsters were raised just realizing one approach to live and that was the possibility that in the event that it isn't certainty, at that point it is bogus. He was emotionaless similar to his kids since they were raised just realizing what they were in structed by him. Inevitably, as Gradgrind’s kids got more established, what they were instructed started to go bad in their psyches. Tom, Grandgrind’s child, started to disdain his dad and all he was instructed and in this way started to revolt. He took to smoking and betting, which in the long run prompted his ruin. Tom had grown up to turn into a slavish, self-ingested parasite. He had turned out the specific inverse as trusted. Thomas Gradgrind had brought up his kids never to ponder, however pondering fascinated them. Gradrgind had watched his youngsters looking into a bazaar tent since they were interested concerning what was inside. The kids were reprimanded for being interested, yet seeds were planted into their brains of how there was more to life than what they had been instructed. Futhermore, Tom, a generally respectful kid, started to revolt after this occurrence. From the outset, he was revolting in his psyche, however in the long run, after Tom moved out of his father’s house, so started his progressively noticeable insubordination. Again, this is actually what Mr. Gradgrind had attempted to stay away from while bringing up his youngsters. At the point when Tom Gradgrind was in a tough situation due to his betting obligations, he trusted in his sister, Louisa.

How to Acquire and Manage Your Affiliates

How to Acquire and Manage Your Affiliates © Shutterstock.com | Bakhtiar ZeinThis article about affiliate marketing focuses on 1) a brief introduction to affiliate marketing, 2) how to create a successful affiliate marketing program, 3) how to acquire affiliates, and 4) how to manage and keep affiliates.AFFILIATE MARKETING: A BRIEF INTRODUCTIONWho is an Affiliate?In the most general sense of the word, an affiliate is someone who helps to promote or market a product or a service to potential clients or customers and receives a commission on the sale whenever it occurs. In electronic commerce, an affiliate is a firm or an entity which is responsible for selling the products of another merchant on its website or blog page. When a sale is made on that website, then the sale amount is transferred to the principal’s site who then passes a commission to the affiliate.The term affiliate is mostly used in online retailing where the relationship between the company and the affiliate is known as affiliate marketing. As a good example , Amazon has affiliates who are known as Amazon Affiliates. These associates sell on the website of Amazon and Amazon gets a percentage of the sale price for its fee.What is Affiliate marketing?Affiliate marketing is the term used to refer to a kind of a performance-based marketing in which a business or a company acquires affiliates and then rewards those affiliates for each sales that they make or for each customer that they bring in for the company through their marketing efforts. In the industry, there are 4 key players: the network, the merchant, the publisher and the customer. In this scenario, the publisher is the affiliate who may sometimes work for affiliate management agencies or super affiliates. Some of the methods that affiliates use in order to promote or market products over the internet or their website include email marketing, content marketing, paid search engine marketing, search engine optimization, etc.Mainly, there are two major ways to approach affiliate marke ting, and they are:The first way is to offer an affiliate program to others. In this way, the main goal is to find affiliates who’ll reach untapped markets.The second way is to sign up to become another business’s affiliate. In this case, you will receive a commission for every sale or lead you produce.Different types of affiliate program commission payment modelsThere are three basic types of affiliate program comission payment and they are given as follows:Cost per sale (pay per sale): This is the arrangement in which the merchant site pays an affiliate when the affiliate sends them a customer who purchases something. This is the method that Amazon follows to in its affiliate program. Amazon pays the affiliate either a certain percentage of the sale and others may pay a fixed amount per sale.Cost per lead (pay per lead): In such a case, companies pay their affiliates on the basis of the number of visitors they refer who sign up as leads. This case is valid is visitors sign up or fill out forms, etc. and become sales lead for the merchant in some way.Cost per click (pay per click): This is the third method of payment in which the merchant site pays the affiliate on the basis of the number of visitors who click on links to enter the website of the merchant. In such a case, the amount paid to the affiliate is not dependent on whether the customer buys or not.HOW TO CREATE A SUCCESSFUL AFFILIATE PROGRAM?There are many different kinds of affiliate programs available on the web these days, and it is important for you to make yours stand out and catch attention. Only when you have created a successful campaign, you can expect to get responses from professional affiliate marketers. The following are some of the tips to create a successful affiliate program:Define a niche marketYou can’t aim to and sell everything to everyone. If you try to do so, you will most probably fail in your efforts. Thus in order to create a successful affiliate program, you need to de termine a niche market and figure out who your audiences are. You need to target a certain segment of the audiences to aim to sell your products to and then point your marketing methods to them.Find niche partnersNow that you have defined a niche market and done your research, you will need to find websites that have viewers interested in your niche market. You need to find partners who have already come up with a decent traffic and would benefit from your affiliate order. You must create an offer that is not just beneficial for you but also for the partners.Develop a creative offerYou must offer your affiliate partners with creative and compelling material and offer because you must make their job of marketing as simple as possible. They less work they have to do and the more responses they see may want them to promote your products in the future as well.Look for new affiliatesJust because you have earned a few good and promising partners, doesn’t mean that you can be casual and rest. You continually have to be on a lookout for more affiliate programs as you never know when the existing ones will decide to quit or ship. Actively recruit new ones to create a buffer and to save yourself.Consider your partners and their needsMake sure that you take care of your partners by continuously communicate with them and sending them regular updates.ACQUIRING AFFILIATESAcquiring affiliates is a very challenging task, no matter how good your products or services are. One must follow the right path in order to recruit the affiliates. There are two major ways to do so, and they include finding or contacting affiliates yourself or give them incentives to join the program. The following are a few tips to do so:Opt for paid ad programs in search enginesAnother superb way to acquire affiliates is to run paid advertising campaigns which is through the method of pay per click campaigns and working on search engine optimization. This is a method that can produce large quantities of affiliate sign ups. This method requires you to have a landing page on your website so that on them you can explain the affiliates the benefits of joining your program.BenefitsThis method can help businesses and companies recruit a large number of affiliates;Several different types of niches of affiliates are available more easily, and this is yet another benefit of using this method.DisadvantagesThis method may involve a large amount of time and money;This method must be performed and managed very professionally to see positive results.Be part of affiliate networksJoin an affiliate network is one of the best and easiest ways to acquire affiliates. There are several software affiliate networks that you can join as they give you a lot of exposure to affiliate members and are an opportunity to promote your products. Before joining a network, you must compare the following points:The number of affiliates present;The average conversion rate;The various features offered.There are both advantages and disadvantages of joining affiliate networks, and they are:BenefitsThe time spent on such a method is very less;You get a lot more exposure;Little to worry in case something doesn’t turn out well.DisadvantagesSome affiliate networks may charge fees to join or to use some special features.Be a part of affiliate communitiesIt is important to be part of discussion boards and communities in order to be a good marketer and get in touch with more affiliates. These communities offer you the opportunity to interact with potential affiliates. Such communities also enable you to identify affiliates and see their problems by interacting with them.BenefitsMinimum costs are involved to opt for this method of acquiring affiliates, and this is one of its main benefits;More exposure to the affiliate forums and community is also provided;You can know the issues of the affiliates and then solve them and thus become more appealing to them.DisadvantagesThese channels may not permit exp licit advertising as they don’t promote or market certain products or services, and this is one of their major disadvantages.These channels may involve large sums of time spent on forums and boards, and this is another disadvantage.Be an active part of events all around the worldAnother direct approach includes taking part at special affiliate events that are held all over the world. One example of such an event is the Affiliate Summit. This event gathers a lot of attention as it gathers a lot of affiliates to an affiliate marketing conference.BenefitsThese types of events help to confront your potential affiliates as there is the convenience of being able to select them more thoroughly.This is a way to present your affiliate program in a much better and friendly manner.One usually is able to get good quality affiliates to promote your products and services.DisadvantagesThe cost of attending such events is one of their biggest drawbacks.The time that one must give in order to be p art of such events is yet another disadvantage of following this method of acquiring affiliates.Establish direct communication and contact with the affiliatesAnother way to acquire affiliates is to contact the affiliates directly. There are many ways recognize software affiliates and some of them include:Do a keyword search on your product and check which websites have a good ranking on the keywords that define your application and then try to persuade them to become your affiliates.Do a keyword search for the products of your competitors and check which websites sell those products.Do a regular search by including some extra phrases or long tails on keywords like ‘buy’, ‘purchase’, etc.BenefitsThere are no costs involved in this method of acquiring affiliates, and this is why reason why people may want to follow this approach.This is more of a personal approach, and this is one of its benefits as well.DisadvantagesNo answers are guaranteed in this kind of method of acquirin g affiliates, and this is one of the reasons why it may not be opted for by some people.In some cases, affiliates tend to forget you and may not get your partnership proposal as they may be labeled as spam.MANAGING AFFILIATESSo you have come up with the best product and managed to acquire good affiliates. But the entire process of affiliate marketing depends greatly upon one more factor, and that is managing your acquired affiliates. If you have a lot of affiliates working with you, then you will need to monitor each of their activities daily and communicate with them when needed. You must be aware of how the affiliates are marketing your products, and this only happens with constant monitoring. The following are the top 5 ways to manage affiliates:1.     Get the best tracking you can buy or buildYou must confirm the source of each sale made by the affiliate on your products because you need to pay a part of the earnings to them. While some businesses have cookie system in place to track customers, others may just use self-monitoring methods. Whatever system you use for this purpose must be transparent and should help you accurately know the details of every sale. Having a good tracking data will protect you in case the record of your affiliate does not match your own. A database administrator must always be backing you.2.     Know how much you can spend per leadBefore you start negotiating with your customer about the amount or percentage that you will pay him, you must know the revenue and margin details. Often, the selling cost and buying cost figures are not to set apart and in such a case, you will not be making a huge profit. Hence promising a huge share to the affiliate in such a scenario will leave nothing for you. Thus, you must know how much you can spend per lead. Early planning is essential to keep your margin positive even at a high sales velocity. Also, if you own a subscription product, you must be aware of the average time period the subscriber will be subscribed and how much he will be paying per month. This understanding will be able to provide you the maximum amount of profitability.The idea is to be completely in the game, have all figures worked out and a clear future plan in mind.3.     Know where your affiliate partners are advertisingIt is possible for you to have already invested in different types of marketing schemes or methods like paid search marketing, direct marketing, etc. But it is a good idea to know where your affiliate partners are advertising. This is yet another superb way to manage your affiliates and keep them well monitored. If affiliates are not managed properly, then, advertising networks might start competing for copyrights, trademarks, and keywords, etc. They may end up getting a better search engine ranking than your company site. This means you will end up paying for something that was actually for free. Hence, it is better to set up a few simple rules about what your affiliate can do and wh ere he can advertize.4.     Measure results dailyAnother great way to manage your affiliates is to track and measure results on an everyday basis. Even with a solid affiliate partner, there can be problems with data at times. Thus comparing their data with your tracking data becomes very crucial. Not all, your affiliates or partner sites will be as transparent as they must be, and it is very important to see if there are any bad or good trends in the sales data by the affiliate. If you measure the results every day, you will be able to study a few trends and then improve upon the way you and your affiliate function.5.     Build good relationshipsAffiliate relationships are trusted relationships. They work like any other business relationships and like in those cases, it is important to maintain and build good relationships in these as well. Since you are buying services, you must pay your affiliates in a timely manner. You must work with the finance department to understand how much you can spend. You must set up payment terms that are reasonable, and you must also make your affiliates agree with you on that amount figure. Also, you must set up a schedule and manner of working and get your affiliate to agree to that working schedule or style.You will need to spend time to cultivate a good working relationship and cut all kinds of non-profitable dead weight partners as these may just be wasting your time and your money. Rather, find ways to acquire new ones and get a better return through their help.

Essay on Informative speech - 1259 Words

[TEMPLATE FOR AN INFORMATIVE SPEECH PREPARATION OUTLINE] The Effects of Disney Films Specific Purpose: To inform my audience about the different stereotypes Disney portrayed in their movies. Central Idea/Thesis Statement: Different types of stereotypes in Disney movies effect children’s view on gender roles. INTRODUCTION I. When you wish upon a star; makes no difference who you are†¦. Or does it? If you recognized this classic Disney song, that means you grew up watching Disney during your childhood. II. The Disney movie franchise has been producing movies for many years now. The Walt Disney Studios Company began in 1923 in Los Angeles. Around 1937, Disney became famous for their creating the first full-length animated†¦show more content†¦I am going to talk about the different stereotypes that occurred in Disney movies. BODY I. Disney films characterized female stereotypes and male stereotypes. II. Stereotypes are an idea or the image of a particular type of person or thing, which can affect a children’s perspective in the society. A. Women are portrayed as rich princesses to carry the image of looking like a Barbie doll. Women are even portrayed as evil-step mothers, or even poor servants. Regardless they always need a man; either they need a prince or a father figure to save their lives. 1. For example, if you take a look at Pocahontas, Cinderella, Belle, or Jasmine you will see that they are beautiful females. They all share the similar traits of a perfect, tiny waist, and huge breasts. a. According to the article â€Å"Images of Gender, Race, Age, and Sexual Orientation in Disney Feature- Length Animated Films,† the author Towbin mentioned that one of the common characteristics to a female Disney character was â€Å"a women’s appearance is valued more than her intellect† (Towbin, Mia Adessa 2004). . 2. Princess Ariel who was a mermaid traded her voice for her love Prince Eric. When she was in trouble she needed her father to rescue her from the evil witch. Even when you sit and think about the whole Little Mermaid story; you would see that her only goal was to find her prince and marry him. a. The only role that women play is either the beautiful princess, or the evilShow MoreRelatedInformative Speech Essay855 Words   |  4 Pagestype of speech would the speaker choose. Well chapter 13 contents the creative process for informative speaking. What informative speaking is how to choose a focused informative topic, how to conduct a research and informative outline? The chapter also contains how to organize the body, introduction, and conclusion of the informative speech. Lastly chapter 13 contents explain how to prepare to present the speech and evaluate and informative speech. In order to make a well informative speech the speakerRead MoreInformative Speech912 Words   |  4 Pagesï » ¿Informative Speech: The Causes of Homelessness Subject and Purpose 1. This informative speech on â€Å"The Cause of Homelessness â€Å"is very Inform able and worth listening to, because in today’s economy it could be you or me. Some seem to think homelessness is choice. I find this speech relevant to the world I live in today, due to the high unemployment rate, declining job market, and the economic hardships that families are enduring. This topic is not a broad one, but yet can be spokeRead MoreInformative Speech793 Words   |  4 PagesA List of Informative Speech Topics: Pick Only Awesome Ideas! Just when you thing youre way past through the question How to write an essay?, another one comes. Thats the thing students desperately Google like What is a informative speech? – and, believe experts, this is something youll definitely need some professional help in. Informative speaking is a speech on completely new issue. Tell your audience something they have never known! Now that you know the answer to the question â€Å"WhatRead MoreInformative Speech1497 Words   |  6 Pagesï » ¿ORGC 201 Informative Speech Assignment Create a 5-6 minute presentation using PowerPoint visuals. Make sure your PowerPoint follows the guidelines discussed in class. The purpose of the presentation should be to inform the audience. Your presentation should reflect a topic, theme, or issue relevant to your major. For ideas of topics, you may consider looking at issues of Crains’ Chicago, The Wall Street Journal, Bloomberg BusinessWeek, The New York Times, The Chicago Tribune, cnn.com, TheRead MoreInformative Speech1451 Words   |  6 PagesInformative Speech Title: Child Care General Purpose: To inform Specific purpose: I want my audience to be informed of child care facilities Central purpose: I want my audience to be aware that they can save money I. Introduction Six months ago, corporate daycare facilities were cleaning out my bank account. I was losing the ability to pay for gas, rent and my utilities because all my money was going towards my son’s weekly daycare tuition. My parents could help me scrap on by here and thereRead MoreInformative Speech978 Words   |  4 PagesInformative Speech: How to Decide on a College Major Benjamin Ownby I. Introduction A. According to the National Center for Education Statistics in a 2013 study, college students changed their major an average of three times. B. Trying to determine a college major is difficult for us. C. Last Spring, I was struggling to decide whether I should continue pursuing a degree in Civil Engineering or change majors to MIS, an interesting major I had recently discovered. I continued to have trouble makingRead Moreinformative Speech758 Words   |  4 Pagesï » ¿Informative Speech with Visual Aids Outline Specific Purpose: To inform my audience about extreme beauty practices in different cultures. INTRODUCTION I. I am pretty sure most of you here have heard the old saying that â€Å"Beauty is Pain.† II. We wake up striving to look better or beautiful everyday more and more. III. That is because as human beings we tend to be very visual and observe the look of a person before finding out who they really are. IV. So, today I will be sharing with you aRead MoreInformative Speech981 Words   |  4 PagesINFORMATIVE SPEECH (David Hurt, COM 108) Low Pay for Women Compared to Men in America How much did you pay for your car? Did you know that the difference between an average man and women’s salary is enough to purchases a new automobile in America. Below I’m going to discuss the pay gaps, Educational aspects with men and women, and why this issue is world wide. In order to better understand this issue of pay between men and women look at your wife’s or husband’s pay and you’ll see theRead MoreInformative Speech1145 Words   |  5 Pagesï » ¿Cheyenne Duran Comm 20 Kelly Glass October 23, 2013 Informative Speech Outline Topic: Gun Control Organizational pattern: Topical Specific purpose: To inform my audience about the controversial subject gun control. Primary audience outcome: I want my audience to know the two sides on the topic of gun control. Thesis statement: Gun control will create laws and licensing to possess a gun to help decrease crime and fatalities, but also people believe gun control is going against our constitutionalRead Moreinformative speech1255 Words   |  6 Pagesï » ¿ Title: Information Speech Outline â€Å"The Evolution of Animation† Subject Code: USEL 23 - Speech Communication Prepared For: Datin Minda Hassan Prepared By: Nur Rabiatul Adawiyah Bt Mohd Nor Kamarudin (1411170007) Class: Oregon Program: ADFP Summer 2014 Preparation Outline Informative Speech â€Å"The Evolution of Animation – From 2D Animation to 3D Animation† General Purpose: To inform Specific Purpose: To inform my audience the evolution of animation. Central

William Shakespeare s The West A Full Length Play

Plays have been around for many years, they have transformed through the years, getting better and better. A play would be considered as an event that is held at the theatre which means â€Å"seeing place†. Plays have a playwright who creates the play and then there are actors, or characters, who take the role of the people in the play to make it come alive for the audience. Theatres and plays come from ancient Greece. There are many different aspects of a play; the playwright, the genre of the play which tells you if it going to be sad, or funny what is the purpose of this play, and then of course everyone who helps bring the play to life which would the characters. Plays, nowadays, usually last for an hour or so but back in the day that†¦show more content†¦Genre tells you what kind of play it is. The classifications of plays into a genre is a matter of opinion not science. The first defined genres were comedy and tragedy, with comedy being the more common one. A c omedy is meant to be funny, where tragedy focuses on a universal themes about human life and society and always ends with death. Tragedy was first described by the Greek philosopher Aristotle. Shakespeare was a big tragedy person. There is a combination of the plays called tragicomedy where the hero doesn’t die at the end known as a â€Å"tragedy that ends happily†. There is documentary drama a play that uses actual documents. A major genre is musicals which is the most commercially successful genre in the American theatre today. Aristotle’s six components of a tragedy are plot, characters, theme, diction, music, and spectacle, in this order. It is thought that he listed plot first because it essentially makes drama dramatic. Plot is what keeps the audience involved so creating a compelling plot shows the playwrights true skill. The primary demands of plot would be logic and suspense. Characters would be the humans who undertake the action of the plot. They hav e to be liked by the audience or no one will really get into the play, they have to be able to make the audience care about what is happening. We the audience need to be able to identify with the character, we should feel bad for them at

Anatomy Quiz Unit 3 Free Essays

1. Match the following chemical terms with their definition: (Points : 15) Answer | | Potential Matches: | : Proton| | 1 : Molecule that dissociates in water to form individual ions, ionic compound |   Ã‚  Ã‚  Ã‚   : Neutron| | 2 : Chemical systems that absorb excess acids or bases maintaining a relatively stable pH |   Ã‚  Ã‚  Ã‚   : Atomic mass| | 3 : Has lost electrons; indicated by a positive sign, as in Na+ |   Ã‚  Ã‚  Ã‚   : Element| | 4 : Non-charged particle in nucleus |   Ã‚  Ã‚  Ã‚   : Molecule| | 5 : When acids and bases mix and form salts |   Ã‚  Ã‚  Ã‚   : Compound| | 6 : Alkaline | Water molecules| | 7 : Positively charged particle in nucleus |   Ã‚  Ã‚  Ã‚   : Base| | 8 : Substances whose molecules have more than one kind of atom |   Ã‚  Ã‚  Ã‚   : Acid| | 9 : Double sugar made up of two monosaccharide units |   Ã‚  Ã‚  Ã‚   : Neutralization| | 10 : Function is to store energy for later use M. |   Ã‚  Ã‚  Ã‚   : Buffers| | 11 : A group of atoms bound together in a group |   Ã‚  Ã‚  Ã‚   : Disaccharide| | 12 : Opposite of base | : Carbohydrates| | 13 : Number of protons in the nucleus; determines the type of atom |   Ã‚  Ã‚  Ã‚   : Electrolyte| | 14 : Dissociate to form equal amounts of hydrogen ion and hydroxide ion |   Ã‚  Ã‚  Ã‚   : Positive ion | 15 : A pure substance, made up of only one kind of atom | | 2. We will write a custom essay sample on Anatomy Quiz Unit 3 or any similar topic only for you Order Now Microscopic View of Skin. Type the number in the empty box that corresponds with the appropriate letter in the diagram. (Points : 15) Answer | | Potential Matches: | : Epidermis| | 1 : k | : dermis| | 2 : h | : subcutaneous fatty tissue| | 3 : g | : hypodermis| | 4 : e | : sweat gland| | 5 : r | : arrector pili muscle| | 6 : n | : Pacinian corpuscle| | 7 : l | : cutaneous nerve| | 8 : c | : papilla of hair| | 9 : b | : hair follicle| | 10 : p | : sebaceous| | 11 : j | : oil gland| | 12 : d | : Meissner’s corpuscle| | 13 : a | : dermal papilla| | 14 : i | stratum germinativum| | 15 : m | : stratum corneum| | 16 : o | : hair shaft| | 17 : f | : openings of sweat glands| | 18 : q | | 3. General Characteristics of a Cell. Type the number in the empty box that corresponds with the appropriate letter in the diagram. (Points : 15) Answer | | Potential Matches: | : centrioles| | 1 : a | : flagellum| | 2 : n | : free ribosomes| | 3 : e | : mitochondrion| | 4 : h | : nuclear envelope;| | 5 : c | : nucleus| | 6 : j | : nucleolus| | 7 : l | : ribosomes| | 8 : o | : cilia| | 9 : f | : smooth endoplasmic reticulum| | 10 : k | : rough endoplasmic reticulum| | 11 : m | : plasma membrane| | 12 : i | lysosome| | 13 : d | : cytoplasm| | 14 : b | : golgi apparatus| | 15 : g | | 4. Type the number in the empty box that corresponds with the appropriate term for the statements(s) listed below. (Points : 5) Answer | | Potential Matches: | : Which glands secrete oil, or sebum, for hair and skin? | | 1 : Epidermis |   Ã‚  Ã‚  Ã‚   : These glands work throughout the body, helping to regulate body heat. | | 2 : Sebaceous glands |   Ã‚  Ã‚  Ã‚   : Hair growth requires epidermal, tubelik e structure called _____. | | 3 : Hair follicles |   Ã‚  Ã‚  Ã‚   : The outermost and thinnest primary layer of skin is _____. | | 4 : Eccrine sweat glands | | | How to cite Anatomy Quiz Unit 3, Papers

Recent Advances in Bone Tissue Engineering Scaffolds

Question: Discuss about the Recent advances in bone tissue engineering scaffolds. Answer: i.: The epithelial cells are present in the mucosa layer of the intestine. In the small intestine, the epithelial cells take the form of villi. However, villi are not found in the colon. Epithelial cells in the skin are not in the form of villi. Although the skin is made up of epithelial cells, striated epithelial cells make up the morphology of the skin. The stratified squamous epithelium consisting of flattened epithelial cells are arranged layer after layer on a basal membrane. Structural integrity is maintained when layers adhere to each other, and the last layer adheres to the basal membrane (Peterson and Artis, 2014). ii. : In the human heart, connective tissues can be found which help maintain the structure of the heart and connect different muscles to each other supporting the functionality of the heart. While a covering of connective tissue protects the pericardium, a layer of single-layered epithelial tissue called simple squamous epithelium protects the heart (Wolkers, 2014). This layer also helps the blood move smoothly through the heart. Then there is the muscle tissue, which helps in the contractions of the heart. Lastly, there is the fibrous tissue, which builds up the heart valve. iii. : The bone is specifically built with the support of bone tissues. Bone tissue is a part of the connective tissue family. This kind of tissue contains huge amounts of calcium as well as phosphorous salts. There are two kinds of bone tissues namely the compact bone tissue and the spongy bone tissue. While the compact bone tissue consists of concentric rings of matrix surrounding the central canals, the spongy bone tissue can be identified with the help of its irregular latticework. The spaces in the compact bone tissues are embedded in the tissue and called lacunae whereas the spaces in the spongy bone tissues are filled with red bone marrow (Bose et al., 2012). iv. : The primary component of the nervous system is the nerve tissue which in turn is divided into two categories, the ones found in the central nervous system and one found in the peripheral nervous system. The central nervous system comprises of tissues found in the brain as well as spinal cord (Prabhakaran et al., 2013). Whereas the peripheral nervous system comprises of tissues found in nerve cells, ganglia located in places other than the brain and fibers. The tissues in the brain and the spinal cord control speech, emotions as well as memory in the human body whereas the tissues in the peripheral system primarily connect the CNS with the other parts of the body. Reference Bose, S., Roy, M. and Bandyopadhyay, A., 2012. Recent advances in bone tissue engineering scaffolds.Trends in biotechnology,30(10), pp.546-554. Peterson, L.W. and Artis, D., 2014. Intestinal epithelial cells: regulators of barrier function and immune homeostasis.Nat Rev Immunol,14(3), pp.141-153. Prabhakaran, M.P., Vatankhah, E. and Ramakrishna, S., 2013. Electrospun aligned PHBV/collagen nanofibers as substrates for nerve tissue engineering.Biotechnology and bioengineering,110(10), pp.2775-2784. Wolkers, W.F., 2014. C-19: Dry preservation of decellularized heart valve tissues.Cryobiology,69(3), p.507.

Argon Facts (Atomic Number 18 or Ar)

Argon Facts (Atomic Number 18 or Ar) Argon is a noble gas with element symbol Ar and atomic number 18. It is best known for its use as an inert gas and for making plasma globes. Fast Facts: Argon Element Name: ArgonElement Symbol: ArAtomic Number: 18Atomic Weight: 39.948Appearance: Colorless inert gasGroup: Group 18 (Noble Gas)Period: Period 3Discovery: Lord Rayleigh and William Ramsay (1894) Discovery Argon was discovered by Sir William Ramsay and Lord Rayleigh in 1894 (Scotland). Prior to the discovery, Henry Cavendish (1785) suspected some unreactive gas occurred in air. Ramsay and Rayleigh isolated argon by removing the nitrogen, oxygen, water, and carbon dioxide. They found the remaining gas was 0.5% lighter than nitrogen. The emission spectrum of the gas did not match that of any known element. Electron Configuration [Ne] 3s2 3p6 Word Origin The word argon comes from the Greek word argos, which means inactive or lazy. This refers to the extremely low chemical reactivity of argon. Isotopes There are 22 known isotopes of argon ranging from Ar-31 to Ar-51 and Ar-53. Natural argon is a mixture of three stable isotopes: Ar-36 (0.34%), Ar-38 (0.06%), Ar-40 (99.6%). Ar-39 (half-life 269 yrs) is to determine the age of ice cores, ground water and igneous rocks. Appearance Under ordinary conditions, argon is a colorless, odorless, and flavorless gas. The liquid and solid forms are transparent, resembling water or nitrogen. In an electric field, ionized argon produces a characteristic lilac to violet glow. Properties Argon has a freezing point of -189.2Â °C, boiling point of -185.7Â °C, and density of 1.7837 g/l. Argon is considered to be a noble or inert gas and does not form true chemical compounds, although it does form a hydrate with a dissociation pressure of 105 atm at 0Â °C. Ion molecules of argon have been observed, including (ArKr), (ArXe), and (NeAr). Argon forms a clathrate with b hydroquinone, which is stable yet without true chemical bonds. Argon is two and a half times more soluble in water than nitrogen, with approximately the same solubility as oxygen. Argons emission spectrum includes a characteristic set of red lines. Uses Argon is used in electric lights and in fluorescent tubes, photo tubes, glow tubes, and in lasers. Argon is used as an inert gas for welding and cutting, blanketing reactive elements, and as a protective (nonreactive) atmosphere for growing crystals of silicon and germanium. Sources Argon gas is prepared by fractionating liquid air. The Earths atmosphere contains 0.94% argon. Mars atmosphere contains 1.6% Argon-40 and 5 ppm Argon-36. Toxicity Because it is inert, argon is considered to be non-toxic. It is a normal component of air that we breathe every day. Argon is used in blue argon laser to repair eye defects and kill tumors. Argon gas may replace nitrogen in underwater breathing mixtures (Argox) to help reduce the incidence of decompression sickness. Although argon is non-toxic, it is considerably more dense than air. In an enclosed space, it may present an asphyxiation risk, particularly near ground level. Element Classification Inert Gas Density (g/cc) 1.40 ( -186 Â °C) Melting Point (K) 83.8 Boiling Point (K) 87.3 Appearance Colorless, tasteless, odorless noble gas Atomic Radius (pm):Â  2- Atomic Volume (cc/mol): 24.2 Covalent Radius (pm): 98 Specific Heat (20Â °C J/g mol): 0.138 Evaporation Heat (kJ/mol): 6.52 Debye Temperature (K): 85.00 Pauling Negativity Number: 0.0 First Ionizing Energy (kJ/mol): 1519.6 Lattice Structure: Face-Centered Cubic Lattice Constant (Ã…): 5.260 CAS Registry Number: 7440–37–1 Argon Trivia The first noble gas to be discovered was argon.Argon glows violet in a gas discharge tube. It is the gas found in plasma balls.William Ramsay, in addition to argon, discovered all the noble gases except radon. This earned him the 1904 Noble Prize in Chemistry.The original atomic symbol for argon was A. In 1957, the IUPAC changed the symbol to the current Ar.Argon is the 3rd most common gas in Earths atmosphere.Argon is produced commercially by fractional distillation of air.Substances are stored in argon gas to prevent interactions with the atmosphere. Sources Brown, T. L.; Bursten, B. E.; LeMay, H. E. (2006). J. Challice; N. Folchetti, eds. Chemistry: The Central Science (10th ed.). Pearson Education. pp. 276 289. ISBN 978-0-13-109686-8.Haynes, William M., ed. (2011). CRC Handbook of Chemistry and Physics (92nd ed.). Boca Raton, FL: CRC Press. p. 4.121. ISBN 1439855110.Shuen-Chen Hwang, Robert D. Lein, Daniel A. Morgan (2005). Noble Gases. Kirk Othmer Encyclopedia of Chemical Technology. Wiley. pp. 343–383.Weast, Robert (1984). CRC, Handbook of Chemistry and Physics. Boca Raton, Florida: Chemical Rubber Company Publishing. pp. E110. ISBN 0-8493-0464-4.

Evaluating You and Your Business Idea a Book by Joseph Covello and Brian Hazelgren

Evaluating You and Your Business Idea a Book by Joseph Covello and Brian Hazelgren The paper is aimed at examining the chapter Evaluating You and Your Business Idea from the textbook written by Joseph Covello and Brian Hazelgren. These authors pay attention to the process of goal setting, and they offer some valuable recommendations to future entrepreneurs.Advertising We will write a custom essay sample on â€Å"Evaluating You and Your Business Idea† a Book by Joseph Covello and Brian Hazelgren specifically for you for only $16.05 $11/page Learn More On the whole, these researchers believe that an individual should identify personal and economic objectives that should be attained (Covello and Hazelgren 13). In other words, it is necessary to examine the financial objectives that should be achieved by the enterprise. Moreover, it is vital to quantify these economic objectives (Covello and Hazelgren 13). Furthermore, a person should explain why he/she wants to work in a specific area of business. Moreover, it is vital to explain how t his particular choice can help a person fulfill his/her talents or ambitions. To some degree, these goals included in this plan are consistent with the recommendations offered by these authors. In particular, this plan includes clear economic objectives that are quantified. However, it is necessary to pay more attention to personal objectives because they are not clearly identified. This is one of the drawbacks that can be singled out. Additionally, it is important to discuss the distinction between short and long-term objectives. This distinction is important for the successful implementation of business plans. In this way, one can better develop the strategies for the development of a business (Covello and Hazelgren 13). Furthermore, this knowledge can help a person see the relations between different steps that will be taken in the future (Covello and Hazelgren 13). The given plan includes some of the goals that will be attained in the near future. Moreover, it is critical to sin gle out the resources that should be accumulated. For instance, the author of this plan discusses the need to accumulate start-up capital. Apart from that, this plan includes some long-term objectives. In particular, the writer mentions the intention to open new shops within the next four years. Furthermore, Joseph Covello and Brian Hazelgren believe that it is necessary to set the timelines for the implementation of the goals (15). However, these researchers also note that in many cases, such timelines cannot be rigidly fixed. Moreover, by focusing only on timelines, a person can make flawed business decisions. This is one of the pitfalls that should be avoided. To a great extent, the plan, which is analyzed, is compatible with the suggestions offered by the authors of this chapter. Nevertheless, there are some limitations of this plan, and they should not be overlooked. For instance, this document does not clearly show how this venture can gain the loyalty of clients. It is not ev ident why they will choose the services of this particular cafà ©. In turn, this issue is examined by Joseph Covello and Brian Hazelgren who believe that entrepreneurs should differentiate the venture among other companies. This is one of the issues that should be taken into account.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More On the whole, the discussion suggests when starting up a business venture, a person should clearly explain the steps that will be taken to attain business goals. Moreover, one should clearly identify the resources that will be needed. The elements of this plan are compatible with the recommendations offered by scholars. Nevertheless, the author does not show why the future venture will be remain competitive. These are the main arguments that can be advanced. Covello, Joseph, and Brian Hazelgren. â€Å"Evaluating You and Your Business Idea.† Comp lete Book of Business Plans: Simple Steps to Writing Powerful Business Plans. Ed. Joseph Covello and David Carpenter. New York, NY: Sourcebooks, Inc, 2006. Print.

First assignment to analyze energy problems Example | Topics and Well Written Essays - 500 words

First to analyze energy problems - Assignment Example But compared to nuclear fission, nuclear fusion process is extremely complicated and dangerous. Nuclear fusion requires extreme amounts of heat energy in order to fuse two small nuclei combine to form a single large nucleus. For example, in sun, two hydrogen nuclei combined to form a helium nucleus at a high temperature which resulted in the liberation of enormous amount of energy mainly in the form of hat and light. Sun’s interiors have high pressure and temperature so that fusion can take place easily in the sun. But â€Å"earthbound reactors cannot achieve such high pressures and temperatures of the sun’s interior†, which is the major challenge in conducting nuclear fusion on earth’s surface (National Academy of Engineering) Nuclear fusion can be placed only at the last place in the technology concept map considering the complexities and dangers associated with the process of nuclear fusion. The current nuclear reactors which are operating in some of the counties are handling temperatures of smaller amount when we compare it with the temperatures needed to operate a nuclear fusion reactor. The uncontrollable nature of nuclear energy seems to be the major villain in exploiting nuclear energy with the help of the fusion process. The major social issue associated with the exploitation of nuclear fusion energy is the possibility of huge disasters which can wipe off the entire living things from the earth. Till the technology developed to such a level that the possibility of a disaster becomes zero, it is not advisable to conduct even an experiment on the exploitation of energy from nuclear fusion. We have already witnessed the striking power of nuclear energy in Hiroshima and Nagasaki which is negligible when we compare it with the dimensions of a possible disaster that could be happened due to nuclear fusion process. It is a fact that we facing lot of social issues like terrorism, violence,

Personal Reflection Paper (Ethic class) Thesis Example | Topics and Well Written Essays - 500 words

Personal Reflection Paper (Ethic class) - Thesis Example Had hooker chemicals ltd taken into consideration ethics in their decision to sell the site in which toxic waste had been buried. Asserting from Ethics without Sermon it could have been possible to prevent the hazardous implications if this company and the Niagara Fall school. In the examination of ethics of business decision the following questions are crucial before any action of implementation is taken. The question which needs to be addressed before making any business decision among others may include. This question is important because it conceptualizes the expected results and implications of a decision made. Consequences and probable results are outlined, these outlined questions are used to weigh if the decision made have good or hazardous implications. Hooker chemicals intention to sell the site buried with intoxicated waste should have been first examined by this question and the concept of ethics put into consideration (Nash 2010). The company had the knowledge in regard to implication in case of human habitation and settlement and they went ahead with their intention despite the knowledge. Also the board members of Niagara Falls school were also aware with the presence of toxic and went ahead with their intention to buy the site. The decisions made by the two entities did not cross check with the likely results and the implication was that a human and environmental disaster occurred. This question concerning ethics examination demarcates between intentional or non-intentional cause of injury to various stakeholders. In the case of love canal taking into consideration the knowledge limits of the two parties in regard to the presence of buried toxic waste in the site the injury caused to the stakeholders can be asserted to be intentional (Ferrell 2012). Hooker chemicals were unethical in burying toxic waste perfectly

Canterbury Tales: Wife of Bath Analysis

Canterbury Tales: Wife of Bath Analysis Prioress and Wife of Bath Canterbury Tales, by Geoffrey Chaucer, is a frozen picture of life in the Middle Ages. Chaucer places his characters on a pilgrimage, a religious journey made to a shrine or holy place. They are traveling on horseback from London to the shrine of martyr Saint Thomas a Becket at Canterbury. Chaucer has very opinionated views of the manners and behaviors of women and expresses it strongly in the Tale. In his collection of Tales, he portrays two extremes in his prospect of women. The Wife of Bath represents the extravagant and lusty woman where as the Prioress represents the admirable and devoted follower of church. Chaucer delineates the two characters contrastingly in their appearances, general manners, education and most evidently in their behavior toward men. Two female characters in Canterbury Tales portray themselves differently to what would be expected of their class and status. The Wife of Bath represents â€Å"liberal† extreme in regards to female stereotypes of the Middle Ages. Unlike most women being anonymous during the middle Ages, she has a mind of her own and voices herself. Furthermore, she thinks extremely highly of herself and enjoys showing off her Sunday clothes. Because of her obnoxious attitude, Chaucer makes her toothless, fat and large. The Prioress on the other hand, serves as a foil to the Wife of Bath. Chaucer describes her as a â€Å"tender-hearted† (154) who cannot bear the sight of pain or physical suffering. â€Å"She used to weep if she but saw a mouse caught in a trap, if it were dead or bleeding† (148-9). Chaucer paints a very delicate and elegant picture of the Prioress. Chaucer describes her table manners as very â€Å"graceful, not a drop of anything would fall from her mouth, and she was very polite when talking things at the tale† (131-134). Chaucers last description of Prioress the letter â€Å"A † around her neck that stood for â€Å"Amour vincit omnia† (166) meaning â€Å"Lover Conquers all.† The symbol that she wore showed that she is perfect and obviously a representation of what most men of that time wanted but they couldnt have her. Accordingly, the Wife of Bath is daunting, ostentatious, and ugly. She is nothing in comparison to the Prioress who is elegant, well mannered and above all loving. The Prioresss superiority over the Wife of Bath is shown again in the presence of education. The Wife of Bath has traveled a great deal and seems knowledgeable about things of the world. She brings up many valid points throughout the prologue, but Chaucer voids her opinion because of her social class and looks, when in truth she is actually wise. On the contrary, the Prioress is considered â€Å"scholastic† and high class due to her good manners. Her ability to speak French puts her character in a higher class category. Thus, once again the Prioress is considered intelligent. Wife of Baths action and thinking not only differ from the Prioress, but almost from everyone else in the Middle Ages. The Wife of Bath is radical especially when it comes to relationship with men. She is characterized as knowing much about love, which is illustrated by her physical description being gap-toothed, which symbolizes â€Å"sexual accomplishment.† Its interesting how the Wife of Bath is always striving to have sovereignty and the Prioress was granted sovereignty even though she didnt seek for it intentionally. The Wife of Bath and the Prioress alike have power over men once again this characterization would scare men. The Prioress, as her name suggests is a â€Å"superior being in a monastic community for women† is so important that â€Å"three priests were in her company† (168); as this shows her status as the boss, which would be fearful for men at that time. Early in the tale, there is a quotation by the Wife of Bath supporting the idea of mens fear. â€Å"I dont deny that I will have my husbands both my debtor and my slave, and as long as I am his wife he shall suffer in the flesh. I will have command over his body during all of his life, not he.† In other words she is saying that she will have total control over herself, her husband, and their household. Wife of Bath has a choice of not giving in to the man, but she decides to let the man have pleasure for his desire not hers. Because from her past experience, she knows how much men enjoy when women are submissive . Ironically, â€Å"She (Prioress) was all sentiment† (154), this is shown through her use of the Jew as the villain of her tale. However, there is no historical evidence of ritual murder of Christian children by Jews, but that would have not mattered to the pilgrims. This tale also reinforces her devotion to the church and this characterization can be seen as a fear to some men as they are unable to obtain her. This is the only time we see that Chaucer is telling us that the Prioress is not as perfect as she might have first seemed. She is basically a fake. A Prioress should take care of people but instead in Canterbury Tales, â€Å"she had little dogs,† (150) which was against the rules of the Church. She also loved to show off her dress, which is not something a nun would do. Chaucer now contrasts feelings in the Prioress with senses of the Wife of Bath. Prioress embodies fastidious sensibility. The Wife of Bath is the pole of elemental vitality. Prioress is â€Å"simple and coy† (123) and she never curses. However, she subtly violates the laws of her order by keeping pets, overdressing and taking on to a pilgrimage. On the other hand, Wife of Baths aggressiveness demonstrates of her instincts, appetites and will. She makes the institutions of Church: pilgrimage and marriage serve to her temperament. Chaucer developed two basic traits of her; Experience and desire for mastery. Its interesting to know that how Chaucer manipulates the mode of medieval romance with Prioress physically resembling a romance heroine, and the Wife of Bath is used in a romantic setting in Canterbury Tales. Both ways of using romance are connected with irony. Religious issues bring up another interesting contrast between the Wife of Bath and Prioress. Wife of Bath embodies empirical knowledge of facts; the Prioress embodies blind religious faith. Chaucer is trying to educate women through these tales, and say that there are times that one should be a feminist and times one should be not. In his compare and contrast, he shows in both women what men fear. Wife of Bath is excessively sex appealing, and the Prioress is generally filled with feelings. As we all know by now, that both of the womans are not what they seem to be, but they are the opposite of their class and status.

Enviromental Change – Transboundary Pollution

Chapter 10 – Transboundary pollution page 120 Aim of this lesson To be able to describe one major pollution event affecting more than one country and examine the consequences of and responses to this event. View together ‘’It happened in Chernobyl’ Part 1 and Part 2 – discuss http://www. youtube. com/watch? feature=player_embedded&v=b11aWXkehtY http://www. youtube. com/watch? v=BwMdh2SZ5-k&feature=player_embedded Using – * Consequences in more than one country http://www. grida. o/graphicslib/detail/the-continental-scale-of-the-chernobyl-accident_12e3 * The Torch report http://www. chernobylreport. org/? p=summary * THE GUARDIAN – Affects of Chernobyl explained http://www. guardian. co. uk/environment/2009/may/12/effects-chernobyl-uk-farmers 1. Annotate an outline map of Europe (enlarged to A3 size) with the consequences of the 1986 Chernobyl Disaster. Try and include impacts in at least 4 different countries and for a range of time sca les. 1. Complete the table with as much detail as you can –Responses to the 1986 Chernobyl Disaster at a range of scales| Short-Term| Long-Term| National [within Russia / Ukraine]| * People must be evacuated from area * Many â€Å"instant† deaths from radiation poisoning * Later deaths from radiation poisoning * Deadly radiation poisoning from nuclear fallout/radioactive cloud spreading * Widespread panic and fear| * Radioactive land becomes uninhabitable for many years * Birth defects in the generation after the incident due to lingering radiation poisoning in gametes * Distrust of nuclear power as a renewable energy source * Radiation poisoning causes health problems in the future| International| * Deadly radiation poisoning from nuclear fallout/radioactive cloud spreading * Widespread panic and fear| *    Birth defects in the generation after the incident due to lingering radiation poisoning in Enviromental Change – Transboundary Pollution Chapter 10 – Transboundary pollution page 120 Aim of this lesson To be able to describe one major pollution event affecting more than one country and examine the consequences of and responses to this event. View together ‘’It happened in Chernobyl’ Part 1 and Part 2 – discuss http://www. youtube. com/watch? feature=player_embedded&v=b11aWXkehtY http://www. youtube. com/watch? v=BwMdh2SZ5-k&feature=player_embedded Using – * Consequences in more than one country http://www. grida. o/graphicslib/detail/the-continental-scale-of-the-chernobyl-accident_12e3 * The Torch report http://www. chernobylreport. org/? p=summary * THE GUARDIAN – Affects of Chernobyl explained http://www. guardian. co. uk/environment/2009/may/12/effects-chernobyl-uk-farmers 1. Annotate an outline map of Europe (enlarged to A3 size) with the consequences of the 1986 Chernobyl Disaster. Try and include impacts in at least 4 different countries and for a range of time sca les. 1. Complete the table with as much detail as you can –Responses to the 1986 Chernobyl Disaster at a range of scales| Short-Term| Long-Term| National [within Russia / Ukraine]| * People must be evacuated from area * Many â€Å"instant† deaths from radiation poisoning * Later deaths from radiation poisoning * Deadly radiation poisoning from nuclear fallout/radioactive cloud spreading * Widespread panic and fear| * Radioactive land becomes uninhabitable for many years * Birth defects in the generation after the incident due to lingering radiation poisoning in gametes * Distrust of nuclear power as a renewable energy source * Radiation poisoning causes health problems in the future| International| * Deadly radiation poisoning from nuclear fallout/radioactive cloud spreading * Widespread panic and fear| *    Birth defects in the generation after the incident due to lingering radiation poisoning in

Bancassurance in Asia

China Traditionally, the main distribution channel for insurance in China has been through agents. However, with the introduction of bancassurance this has changed. The bancassurance models followed in China are distribution and joint ventures. The effect of bancassurance in the first quarter of 2010, was an increase in total premium income to $26. 91 billion, up 44% compared with the same period of 2009, this represents 8% higher compared to the overall insurance industry growth within the same period. Cotham, 2010) The main contributing factors for this trend have been the rapid growth of the Chinese economy leading to higher per capital income and the multiple economic reforms leading foreign companies to enter the insurance industry. In addition, the regulations introduced in 2003 played a major factor for the bancassurance growth. These regulations permitted banks to have multiple insurers as suppliers (â€Å"many-to-many† model).For instance, some major banks worked with 30 different suppliers for life insurance, and as many as 10 for property and casualty insurance. (Paribas, 2012) Although this model created growth, recently it has contributed to the slow down in the bancassurance market. Through this model, numerous complex insurance products were created and offered to clients by bank staff with minimal insurance expertise. As a result, demand decreased due to the lack of consumer understanding of the product and lack of trust.In addition, other major challenges in the bancassurance market are the financial market volatility (which makes insurance products less appealing compared to other wealth management products), intense competition and constant changes in regulations (particularly the introduction of CBRC 90 which prohibits insurance salesman from selling in banks). In turn, sales have declined. For instance, in 2011, sales through the bancassurance channel declined significantly and were blamed for an overall slowdown in premiums growth, from 29 percent to 11. KPMG,2012) India Just as in China, insurance products in India have been sold traditionally through agents. In addition, the insurance industry was entirely monopolized by the public sector. However, since the opening to private companies in the early 2000’s bancassurance through the distribution model has gained market share. In fact, it now accounts for about 25 per cent of new business for private insurers, with trends indicating that the proportion could rise to 40 per cent by the year 2013 (Cotham, 2012).In addition, India’s rapid economy has also played a major factor on bancassurance growth. However, just as China, India faces major challenges. The major challenges are poor manpower management, lack of a sales culture within the bank, no involvement by the branch manager, insufficient product promotions, failure to integrate marketing plans, marginal database expertise, poor sales channel linkages, inadequate incentives, resistance to chan ge, negative attitudes toward insurance and unwieldy marketing strategy. (Sarvanakumar, 2012)

Why Is Molality Used Instead of Molarity

Molality (m) and molarity (M) both express the concentration of a chemical solution. Molality is the number of moles of solute per kilogram of solvent. Molarity is the number of moles of solute per liter of solution. If the solvent is water and the concentration of solute is fairly low (i.e., dilute solution), molality and molarity are approximately the same. However, the approximation fails as a solution becomes more concentrated, involves a solvent other than water, or if it undergoes temperature changes that could change the density of the solvent. In these situations, molality is the preferred method of expressing concentration because the mass of solute and solvent in a solution does not change. When to Use Molality and When to Use Molarity Molality is used any time you expect the solute may interact with the solute and in the following situations: To determine a boiling pointTo determine a melting pointWhen working with colligative properties (boiling point elevation, freezing point depression) Molarity is used for dilute aqueous solutions held at a constant temperature. In general, the difference between molarity and molality for aqueous solutions near room temperature is very small and it wont really matter whether you use a molar or molal concentration. More About the Difference Between Molality and Molarity