Ameriquest Essays

Ameriquest Essays Ameriquest Essay Ameriquest Essay Ameriquest: Socially Responsible or Reprehensible? Ameriquest, a private sub-prime mortgage lender, considers itself â€Å"the proud sponsor of the American Dream†, but many consumers and former employees of Ameriquest feel otherwise, as they tell nightmarish stories of deception. The company is one of the nation’s leading private sub-prime lenders. Originally known as a bank named Long Beach Savings and Loan, Ameriquest has undergone significant change since its 1979 inception. The company moved its corporate office to Orange County in 1991, where it became a pure mortgage lender and changed their name to Long Beach Mortgage Company in 1994. In 1997 the company split in two, and the retail portion of the business became what is now known as Ameriquest. (Wikipedia) Ameriquest has had its share of ups and downs throughout its transformation, including some major lawsuits, forcing the company to change their lending guidelines, and exposing some potentially dangerous practices of the company. Most recently Ameriquest has been in the media for the company’s restructuring of their workforce, which has resulted in a series of layoffs totaling nearly 9,000 workers. (Job Cuts Totaling 3,000 at ACC? Ameriquest has had many customer complaints for allegedly deceiving customers, and conducting predatory lending practices. These allegations led to a $325 million settlement agreed to by Ameriquest, as well as a new set of â€Å"best practices† the company was forced to implement. The Washington Post reported, â€Å"State prosecutors and lending regulators in 49 states and the District [of Columbia] have reached a wide ranging $325 million settlement with Ameriquest Mortgage Company, the nation’s largest lender to home loan borrowers with poor credit to resolve allegations that the company defrauded and mislead consumers. It is the second largest consumer protection settlement in U. S. history, following the $484 million predatory lending agreement reached in 2002 with Household Finance Corp. † (Downey) Ameriquest, being a large non-prime lender, stands on principles of helping groups of people who otherwise may not have the opportunity to be a homeowner, such as those with not so perfect credit, minorities, and lower income borrowers, realize the dream of homeownership. Affording Americans the opportunity to achieve such a large dream is very admirable; be that as it may many American families feel that Ameriquest has done just the opposite. A simple Google search yields several results of consumer complaints on sites such as ripoffreport. com and consumeraffairs. com, as well as articles reporting predatory lending claims and employee complaints about the huge company. Tony of Stanwood, WA story is one of many on consumeraffairs. com, as Tony claims Ameriquest made false promises, lied about pre-pay penalties, charged him hidden fees, misquoted him the rate for his adjustable rate mortgage, purposely held payment to make them late, and charged late fees on payments which were on time. Due to this negative experience Tony states â€Å"I have been lied to, screwed over etc. like everyone else doing business with this company. I will refi no matter what the fees to get out from under them. † (consumeraffairs. com) Consumers are not the only ones who have lodged complaints about the company. Although Ameriquest offers an attractive salary and benefits package to employees, Ameriquest has received complaints from employees for allegedly forcing employees to commit misdeeds and fraud, as well as to work long hours in a very highly pressure work environment. Ameriquest has been named in a class action lawsuit claiming the company did not fairly compensate loan officers for overtime pay (Bergquist). The tremendous amount of pressure put on loan officers may be an explanation for so many complaints of deceit. Former employees Mark Bomchill and Lisa Taylor recalled extreme pressures to boost loan volume by any means necessary. â€Å"It was so out of hand, I was juggling 10 to 15 loans each month, says Bomchill, who now works as a loan consultant at Plymouth Minn. based All State Residential Mortgage. â€Å"And there were guys in my office doing two to three times as I was. No one ever thought to question whether [the loan] was right for the customer or the lender. It was just do the deal and move on to the next. † But Bomchill claims the high volume of loans he was working on during his one year of tenor at Ameriquest never proved to be quite enough. â€Å"Even though he and others in his office were closing more than 80 loans every month, it wasn’t enough to satiate upper management. ‘Every day my boss would scream and yell at us to make more calls, solicit more suckers,’ he says. ‘He was a tyrant. It never ended. † The work environment for the branch employees are often compared to the Hollywood movie boiler room. â€Å"Lisa Taylor, a former Ameriquest loan agent says the atmosphere in her office was very similar to the environment portrayed in the 2000 movie Boiler Room starring Giovanni Ribisi and Vin Diesel. In fact, one manager used the film as a teaching model. According to Taylor, promoting the anything-t o-get-the-deal mentality resulted in abuses. One-time she says she walked in on co-workers using a brightly lit Coca-Cola vending machine as a tracing board where loan agents were copying borrower’s signatures onto blank documents. (Barrett and Carr) This is not the only story of fraudulent practices occurring by former employees of Ameriquest, Chris Arnold of NPR News reported â€Å"some former employees of the nation’s leading sub-prime lender say the company encouraged them to conceal rate terms and make fake fixed-loan documents that pushed customers into loans they couldn’t afford. † (Arnold) It is obvious that there is a lasting effect on the customers and employees who were subjected to the alleged acts of this mortgage giant, but what about the repercussions on the economy? How is the economy affected by all of the loans that may have been made in bad faith by a company possibly practicing as a predatory lender? Foreclosures are expected to rise significantly, and affect the economy. â€Å"On a national level, rising sub prime mortgage foreclosures are sure to have a ripple effect. What the effect will be is a matter for debate – but at least one analyst thinks we’ve only seen the tip of the iceberg. Professor Cathy Lesser Mansfield of Drake University Law School has studied default and foreclosure rates in the sub prime mortgage industry. Mansfield tells Michelle Norris that she expects more foreclosures and defaults on loans to have a ripple effect on home values in affected neighborhoods – and the ability for families to pay for other basic needs. †(Norris) According to Jack Speer of NPR News â€Å"efforts are under way on several fronts to forestall a wave of home foreclosures due to problems in the mortgage market. Legislative solutions are one option, but non profits and many smaller lenders are also stepping up efforts to help borrowers. (Speer) Although there have been many reports of the negative effect of Ameriquest’ practices, Ameriquest does make many efforts to contribute to the communities which they serve. Ameriquest has been a large contributor to many charities which benefit children, and a large proponent of financial education. Ameriquest has designed several unique programs to give back, such as the Create Your Legacy Program, Dream saver, S. A. F. E. , and the Affordable Homeow nership Program. Ameriquest has also contributed to victims of Hurricane Katrina thorough their Gulf Coast Rebuilding Fund. Ameriquest employees have participated in building homes on the Gulf Coast, as well as building homes throughout the nation with Habitat for Humanity, as well as local playgrounds with Kaboom through its league of volunteers program. (ameriquestcares. com) Roland Arnall, owner of Ameriquest, is known as a philanthropist and large political contributor. Arnall has been named Ambassador to the Netherlands. While charity may be a high priority of Ameriquest, the damage done to consumers, employees, and the economy outweighs the positive factors of the company. Ameriquest has not proved to be socially responsible, and will require a change in company culture, as well as a strong customer relationship management program to become a socially responsible company. The Best Practices which were implemented by the company after the Jan 2006 lawsuit is a start, but a change of this magnitude requires a true change in the company’s philosophy. The company motto Do the Right Thing† and â€Å"Continuous Improvement† must become more than simply words, and turn into actions. Ameriquest Mortgage. Wikipedia, The Free Encyclopedia. Apr 2007, 21:40 UTC. Wikimedia Foundation, Inc. 22 May 2007 http://en. wikipedia. org/w/index. php? title=Ameriquest_Mortgageoldid=121055539. Arnold , Chris. Former Ameriquest Workers Tell of Deception. npr. org. 14 May 2007. 22 May 2007 Barrett, Larry and David Carr. Ameriquest Mortgage: Risky Business, Risky Practices. Baseline 09 Sep 2005 19 May 2007 baselinemag. com/print_article2/0,1217,a=159568,0 0. asp. Bergquist, Erick. Loan Officers Seeking Overtime Pay in Suits. American Banker 171. 16 (2006): 3. Business Source Premier. 2 May 2007. http://search. ebscohost. com. Downey, Kristin. Mortgage Lender Settles Lawsuit. Washington Post 24 Jan 2006 19 May 2007 C:Documents and SettingsOwnerMy DocumentsMortgage Lender Settles Lawsuit washingtonpost_com. mht. JOB CUTS TOTALING 3,000 AT ACC?. National Mortgage News 31. 25 (2007): 2-2. Business Source Premier. 22 May 2007. http://search. ebscohost. com. Norris, Michelle. Foreclosures May Weaken Home Prices, Spending. npr. org. 10 Apr 2007. 19 May 2007 npr. org/templates/story/story. php? storyId=9501422.

Analysis of A and P by John Updike

Analysis of A and P by John Updike Originally published in The New Yorker in 1961, John Updikes short story A P has been widely anthologized and is generally considered to be a classic. The Plot of the Updikes AP Three barefoot girls in bathing suits walk into an A P grocery store, shocking the customers but drawing the admiration of the two young men working the cash registers. Eventually, the manager notices the girls and tells them that they should be decently dressed when they enter the store and that in the future, they will have to follow the stores policy and cover their shoulders. As the girls are leaving, one of the cashiers, Sammy, tells the manager he quits. He does this partly to impress the girls and partly because he feels the manager took things too far and didnt have to embarrass the young women. The story ends with Sammy standing alone in the parking lot, the girls are long gone. He says that his stomach kind of fell as I felt how hard the world was going to be to me hereafter. Narrative Technique The story is told from the first person point of view of Sammy. From the opening lineIn walks, these three girls in nothing but bathing suitsUpdike establishes Sammys distinctively colloquial voice. Most of the story is told in the present tense as if Sammy is talking. Sammys cynical observations about his customers, whom he often calls sheep, can be humorous. For example,  he comments that if one particular customer had been born at the right time they would have burned her over in Salem. And its an endearing detail when he describes folding his apron and dropping the bow tie on it, and then adds, The bow tie is theirs if youve ever wondered. Sexism in the Story Some readers will find Sammys sexist comments to be absolutely grating. The girls have entered the store, and the narrator assumes they are  seeking attention for their physical appearance.  Sammy comments on every detail. Its almost a caricature of objectification when he says, You never know for sure how girls minds work (do you really think its a mind in there or just a little buzz like a bee in a glass jar?)[...] Social Boundaries In the story, the tension arises not because the girls are in bathing suits, but because theyre in bathing suits in a place where people dont wear bathing suits. Theyve crossed a line about whats socially acceptable. Sammy says: You know, its one thing to have a girl in a bathing suit down on the beach, where what with the glare nobody can look at each other much anyway, and another thing in the cool of the A P, under the fluorescent lights, against all those stacked packages, with her feet paddling along naked over our checkerboard green-and-cream rubber-tile floor. Sammy obviously finds the girls physically alluring, but hes also attracted by their rebellion. He doesnt want to be like the sheep he makes such fun of, the customers who are befuddled when the girls enter the store. There are clues that the girls rebellion has its roots in economic privilege, a privilege not available to Sammy. The girls tell the manager that they entered the store only because one of their mothers asked them to pick up some herring snacks, an item that makes Sammy imagine a scene in which the men were standing around in ice-cream coats and bow ties and the women were in sandals picking up herring snacks on toothpicks off a big glass plate. In contrast, when Sammys parents have somebody over they get lemonade and if its a real racy affair Schlitz in tall glasses with Theyll Do It Every Time cartoons stenciled on. In the end, the class difference between Sammy and the girls means that his rebellion has far more serious ramifications than theirs does. By the end of the story, Sammy has lost his job and alienated his family. He feels how hard the world [is] going to be because not becoming a sheep wont be as easy as just walking away.  Ã‚  And it certainly wont be as easy for him as it will be for the girls, who inhabit a place from which the crowd that runs the A P must look pretty crummy.

Preferred Learning Style for University Students Essay

Preferred Learning Style for University Students - Essay Example Multiple intelligences is a new approach that uses multiple learning styles. People using verbal linguistic learning techniques and styles are recognized and considered as bright. Learning style has a greater influence on the learning ability of a person than one may realize. A person's learning method is guided by the preferred style of learning. Therefore every person has a preferred style of learning. People who use less preferred learning styles are usually labeled under low grades. The negative and positive belief associated with learning styles can label a person as dumb or smart. A person can improve the quality and speed of learning by understanding and be recognizing the best-suited learning styles and techniques. The learning style also changes the way a person internally envisages experiences, the method of recollecting information and the words chosen to express thoughts (Overview of Learning Styles 2007). The perception of each person is different and shapes the thoughts and decisions. It is the perception that determines the learning style or natural learning strength of an individual. There are several approaches to learning styles. The Gregorc model explains the two perceptual qualities from an abstract and concrete perspective. A concrete approach to learning enables a person to record information directly using the five senses: taste, touch, sight, hearing, and smell. A concrete approach is a method of dealing with the obvious. There is no hidden message or there is no relationship between concepts and ideas. In contrast, the abstract approach to learning enables a person to visualize, understand the unseen and conceive ideas that are not actually seen. A person uses imagination, intuition and has a sight beyond the obvious. Though all human beings have both abstract and concrete perceptual abilities, each person is comfortable using either of the approaches. This is envisaged by the natural strength in abstract or concrete abilities of the person (Mills, D.W. 2002). The concrete and abstract approach may be linked to verbal linguistic and visual-spatial styles of learning respectively. The verbal or linguistic style o f learning includes abilities in both spoken as well as written word. If a person uses this style of learning it becomes easy to express both verbally and in writing. People who use this style usually love writing and reading and has a special interest in learning the sounds and meaning of words like rhymes, tongue twisters, and limericks. Individuals who adopt verbal learning style takes care to include words and phrases they have learned recently in their conversations (The verbal (linguistic) learning style 2007).  Verbal-linguistic learning style or intelligence indicates a person's capability to solve problems, reason and learn through language. The characteristics of this style are the clear expression and good listening skills. A person talented with learning through this method usually prospers in writing and reading curriculum at school. They have well-developed memory for the contents they read and have the ability to recall the information in a clear manner in their spe ech. Language is a fascination for people who use verbal linguistic style. People who prefer verbal linguistic styles tend to learn well when taught through written and spoken materials.

Managing high performance Essay Example | Topics and Well Written Essays - 250 words

Managing high performance - Essay Example The Japanese culture is group oriented. Managers working in corporations in Japan always seek harmony and they try to avoid conflict. Negative criticism is typically avoided and when given is in a manner that is palatable to the recipient (Super-business). The use of teamwork is a practice that is used more in Japan than in the United States. This makes more feasible and effective to implement group incentives to raise the performance of the employees. One of the cons of teams in Japan is that teams seek the approval of upper management instead of making their own decisions. This dependency for approval hurts the creativity of teams. Japanese visualize teamwork as an essential element of their culture. Competition is more likely to occur in the United States than in Japan due to the differences in culture. â€Å"The society in Japan is largely homogeneous and middle class, whereas the American society is heavily heterogeneous, owing to the increased levels of immigration† (Differencebetween, 2010). Diversity influences the workplace more in the United States than in

Use of the slit-lamp for anterior segment examination of the eye Case Study

Use of the slit-lamp for anterior segment examination of the eye - Case Study Example In my clinical placement in the Ophthalmology, I had a chance to examine a patient who presented complaining of decrease in vision. For confidentiality and ethical reasons, the identity of this patient remains undisclosed. However, this 65-year-old gentleman presented to the clinic, and when I was instructed to do a slit-lamp examination, it felt that it was an opportunity to use academic learning in practice, and I was very excited. In order to arrive at a diagnosis, I obtained these systemic medical history and family ocular history, since these are important for assessing a patient's risk factors for ocular disease. Just as with other body systems, reliable historical information allows the clinician to more appropriately direct the physical examination (Quillen, 1999).I probed into his recent complaints in terms of the onset, duration, and associated symptoms, since knowledge about these can guide me to the correct diagnosis. I asked him about his prior good and equal vision in b oth eyes. Then I asked him whether the problem were on the both eyes, and how could he not note it for last 1 year. He said that he was going on with his frequent changes in glasses, which he thought was natural at his age. While watching television, he suddenly discovered that his vision in the right eye was a lot better than the left, and when he attempted to watch TV with one eye, he was surprised to discover that with the left eye alone, the pictures were hazy. Moreover, he could see better at the periphery than at the centre. He had no pain, distortion of the sight, and no double vision. These were very suggestive and significant pieces of information since they narrow down the clinical differential diagnosis further, and helps the examiner to design the clinical examination in a better way. The suggestive better peripheral vision, differential vision between the eyes and absence of distortion, pain, and double vision led to the impression that I need to focus in the anterior s egment of the eye while conducting his examination (Age-Related Eye Disease Study Research Group, 2001). General Examination When I decided to carry out an examination, I felt that a patient with decreasing vision requires a complete examination to determine the cause of the visual decline. Therefore, I started to do a systematic examination. I performed a general examination of the eyes in good diffuse light, and I felt that it would lead me to the possible diagnosis, so later I can do a slit-lamp examination. The general examination began with the examination of the eyelids and the conjunctival sac. He was elderly and had some amount of sagging of the eyelids. On palpation, the lid margins did not demonstrate any swelling. There was no redness in the conjunctivae. The eyelashes were normal. There was no evidence of any inflammation or blepharitis in both the lid margins. In order to examine the conjunctival sac, it was necessary to expose the palpebral conjunctiva and the fornices. Due to age, his fornices were shallow. There was no crusting, follicles, conjunctival papillae, or pseudomembrane indicating chronic or acute inflammation contributing his diminished vision. I drew down his lower lid while he was asked to look towards the ceiling, and the lower fornix looked normal. This excluded any inflammation of the lower lid and swelling that can compromise vision temporarily. The upper lid was everted to examine the upper palpebral conjunc

Public Interest Immunity in Protecting Informants

Public Interest Immunity in Protecting Informants Introduction The role of informants in an investigation is crucial as the information provided by an informant may be the only piece of evidence or clue available to the law enforcement agencies. So, it is critical that some clarity is drawn in identifying the rights of the informants and how and when the law should protect them. It can be argued that adding clarity to this area of law will inform and motivate informants to facilitate investigations when required. The aim of this essay is to explore the role of law in public interest immunity (PII) to protect informants as a class. As a result, this essay will explore the rights of informants and the role of law in protecting them under the principles of public interest immunity (PII). This essay will explore case law and legislation to critically analyse the role of law in PII to protect informants as a class in the following paragraphs. In doing so, this essay will argue that informants as a class should be protected by the law under the princi ples of public interest immunity. Public Interest Immunity (PII) Generally, there is public interest in protecting the identity of those who provide important information to the police, that is, the informants. As a result, the disclosure of their identity or any material that has the potential to reveal their identity is restricted through case law. However, deriving from English common law, a judge has the discretion to reveal the identity of the informant if it helps establish the fact that the accused in the relevant case is innocent. One of the statutory instruments that applicable is section 21 of the Criminal Procedure and Investigations Act 1996[1] (CPIA 1996). In R v Chief Constable of the West Midlands ex parte Wiley[2], it was Lord Templeman who stated that, based on the principles of public interest immunity, the disclosure of information can be denied which is pertinent to the case and also important in the determination of the proceeding in question. Hence, the only reason to deviate from this is if public interest demands for it.[3] Therefore, there must be equality of arms[4] in public interest immunity (PII). The thrust of the principle of public interest immunity to refuse disclosure of relevant material is on the ground that to do so would harm the public interest. However, disclosure can be refused if material might be privileged, material might be lost, and material might be difficult to get hold of. In civil proceedings, the procedure is carried out according to Order 24 of the Rules of the Supreme Court and to withhold is specifically stated in rule 15 which states that, 15. The foregoing provisions of this Order shall be without prejudice to any rule of law which authorises or requires the withholding of any document on the ground that the disclosure of it would be injurious to the public interest.[5] It is clear from rule 15 that public interest is the ultimate factor to be considered in cases of public interest immunity. For conciseness of argument, this essay will solely focus on informants. In criminal matters where the police refrains from disclosing the identity of the informant to the defendant, there is an overlap between the principles of common law of open justice which requires that maximum disclosure takes place as established in R v Davis, Johnson and Rowe[6] and Article 6 ECHR which is demonstrated in the vase of R v H [7]. In R v H, the House of Lords held that a trial judge should take into account all the information that are available based on the nature of the PII pursued as well as guaranteeing that the complete disclosure process does not reveal more than is required given the context of the case[8]. A similar example is noted in the case of Al Rawi v Security Service[9], several men claimed for damages as they have been detained by foreign forces including places like Guantanamo Bay and claimed that the UK Security Service along with others engaged in ill treatment. In return the UK Security Service stated that they refrained from giving access to cert ain pieces of evidence and would rather be represented by special advocates[10]. It was held in this case that if governmental bodies wanted to rely on the argument of national security, they would need to rely on PII which gives them the right to do so in relation to providing protection for State interests wherever it is required[11]. The case law discussed so far provides a general overview of the attitude of the courts. However, what needs to be considered is when disclosure of the identity of the informant based on interests of justice, the protection towards the informant is still violated despite being justified by any legal reasoning or case law. Informant Rights and the Role of Law While discussing the role of informants and the role of law in protecting them, a discussion of criminal matters is warranted. It should be stated that most cases relating to PII involve civil matters even though the principles can also be applied in criminal matters where the applications are generally altered as in the case of Marks v Beyfus[12]. In Marks v Beyfus, Lord Esher stated that it was precisely recognised that it is not generally required by the witness to disclose the identity of a police informant. This is due to the significance of public interested in providing protection and as well as motivating individuals to provide information to the law and enforcement agencies. Hence, witnesses should not be asked about the identity of the informants or questions that have the potential to reveal the identity of the informants[13]. However, there are exceptions in PII. For criminal matters, if the context of the case is such that refraining from disclosing the identity of the i nformants may jeopardise the integrity of the trial by impacting on the correctness of adjudication in the case and might lead to the innocent being convicted and imprisoned. These types of cases are usually quite rare. This ratio has been given by the House of Lords in the case, R v Horseferry Road Magistrates Court, Ex p Bennett[14]. In R v Horseferry Road Magistrates Court, Ex p Bennett , the House of Lords held that in a situation where a person is charged criminally, if the person does not get justice in relation to the process, then the person should not be tried.[15] As a result, if it requires the identity of the informant to be disclosed in order to establish a defendants innocence, the court will exercise its discretion and allow the disclosure of the identity of the informant. This case reiterated the principles established in Makanjuola v. Commissioner of Police for the Metropolis[16]that public interest immunity is not a trump card vouchsafed to certain privileged playe rs to play when and as they wish. It is an exclusionary rule, imposed on parties in certain circumstances, even where it is to their disadvantage in litigation.[17] It is submitted that as discussed already in this essay, even though the innocent should get justice but compromising the identity of the informant is compromising his/her protection and confidence in law and enforcement agencies. It is a continuing duty of the court to consider the issue of disclosure and decide whether disclosure should be ordered or whether prosecution should offer no evidence which would disclose the identity of the informant[18]. It can be stated that in this kind of a circumstance, the trial judge is put in a complicated situation trying to assess in terms of whether the disclosure of the identity of the informant is actually necessary to establish that the defendant is innocent. If his decision is positive, then the disclosure must be ordered by the judge even though the threshold is quite low. Furthermore, in the case of R v Hallett[19], it was held by the Court of Appeal that a defendant should not be: à ¢Ã¢â€š ¬Ã‚ ¦deprived of the opportunity of casting doubt on the case against him.[20] Therefore, according to the court, what is necessary is a real possibility that disclosing the identity of the informant would actually benefit to the defence. The principles of public interest immunity protect the disclosure of an informers identity as well as deal with exceptions extends to the premises where the police have undertaken surveillance on a suspected individual[21]. In this kind of a circumstance, the occupiers of the premises may feel uncomfortable, vulnerable, exposed and frightened as their premises may be identify which may victimise them. This may also result in the public refraining from assisting the police with their investigations or letting law enforcement agencies to use peoples premises for surveillance purposes. Taking into account the potential danger of the occupiers of the premises, in circumstances where the occupiers do not wish to allow disclosure, it is not permitted being subject to public interest immunity. However, there can be circumstances where the disclosure of the identity of the informant becomes necessary to test the evidence put forward by the police. In the case of R v Rankine[22], the activiti es of an alleged drug dealer had been under the surveillance of police officers through the use of private premises. It was the decision of the Court of Appeal that these types of cases can be indistinguishable from the ones where police informers are involved[23]. Hence, it is inappropriate to withhold the location of the surveillance point given that restricting such information will not lead to the miscarriage of justice. In addition to this, R v Johnson (Kenneth)[24], was further explored by the Court of Appeal. The Court of Appeal held that the required basis for the prosecution to make an application to withhold the location of surveillance point[25]. In this specific case, it was required for an officer to testify that he had visited the premises and ascertained the permission of the occupiers to the potential disclosure of the identity of the premises used. Additionally, an officer with the rank of at least a chief inspector to testify that immediately before the trial he ha s visited the premises in order to identify and ascertain whether the occupiers has not changed and in any circumstance, their attitude towards the identification of the premises as well as its occupants[26]. Thus, in relation to the disclosure of the identity of informers, a qualitative judgment of the decision by the trial judge is necessary as to when a failure to disclose the location of surveillance risks occasioning a miscarriage of justice even though these types of cases are difficult. Moreover, in relation to the identity of informants, if the police are required to disclose their surveillance point, the police sometimes prefer to offer no evidence instead of comprising their source as Blake v DPP[27]. In the case of An Informer v A Chief Constable[28], the duty of care towards an informant was owed by the police Chief Constable. It was held in that case that the police definitely owed a duty of care to the informant but was not liable for his economic loss. This is also su pported by Lord Toulsons statement in Michael[29] as he states, à ¢Ã¢â€š ¬Ã‚ ¦ an example of a duty of care arising from an assumption of responsibility coupled with reliance by the claimant à ¢Ã¢â€š ¬Ã‚ ¦ The police conceded that they owed a duty of care to protect his physical well-being, and that of his family. They had assured him that they would do so and he had acted on the faith of their assurances.[30]In the Matter of A (A Child)[31]is an important case even though this decision was reversed by the Court of Appeal by ordering disclosure of the documents. By the time, the case has reached the Supreme Court, the disclosure has been made to the mother of the child as well as to the guardian and the Supreme Court decided to dismiss the appeal[32]. Deriving from these cases, it can be stated that even though the fact that a duty of care by the police owed to the defendant is clearly established, the potential of injustice as a result of nondisclosure of information and/or ident ity of the informant will not be undermined in the process. It is submitted that informants as a class should be protected at any case. Where the courts are faced with the dilemma of justice to the accused who is potentially innocent and putting the information provided by the informant to test by disclosing the identity of the informant, the courts and the police put the informants in a vulnerable position. Conclusion This essay aimed to explore the role of public interest immunity in protecting informants as a class. It can be concluded from the discussion that this is quite a complex and challenging area of law. The general rule is, disclosure is necessary if it is necessitated by the interests of justice. However, as evidenced in the case law that has been considered in this essay that there are factors that need to be taken into account. In answering the question whether law should protect informants as a class under the principles of public interest immunity, the answer is definitely yes but what is also essential to take into account is considering the balance between the necessity to restrict disclosure of the identity of the informant and the possibility of injustice towards the defendant. This is a question best left for the courts in the United Kingdom (UK). [1] Criminal Procedure and Investigations Act 1996, < http://www.legislation.gov.uk/ukpga/1996/25/contents> accessed 20 February 2017. [2] R v Chief Constable of the West Midlands ex parte Wiley [1994] 3 All ER 420. [3] Ibid, R v Chief Constable of the West Midlands ex parte Wiley. [4] International Review, The principle of equality of arms is a jurisprudential principle issued by the European Court of Human Rights and is a part of the right to a fair trial written in the (European) Convention for human rights and fundamental freedoms. accessed 22 February 2017. [5] Oder 24 of the Rules of the Supreme Court < https://www.supremecourt.uk/docs/uksc_rules_2009.pdf> accessed 19 February 2017. [6] R v Davis, Johnson and Rowe [1993] 1 WLR 613-614. [7] R v H [2004] UKHL 3, < https://www.publications.parliament.uk/pa/ld200304/ldjudgmt/jd040205/hc-1.htm> accessed 21 February 2017. [8] Ibid, R v H. [9]Al Rawi v Security Service [2011] UKSC 34 < http://www.bailii.org/uk/cases/UKSC/2011/34.html> accessed 22 February 2017. [10] Ibid, Al Rawi v Security Service [11] Ibid, Al Rawi v Security Service [12]Marks v Beyfus (1890) 25 QBD 494 [13] Ibid, Marks v Beyfus. [14]R. v. Horseferry Road Magistrates Court, ex p. Bennett (No. 2) [1994] 1 All E.R. 289, D.C. [15] Ibid, R. v. Horseferry Road Magistrates Court, ex p. Bennett. [16] Makanjuola v. Commissioner of Police for the Metropolis [ 1992] 3 All E. R. 617, C. A. (Civ. Div.) [17] Ibid, Makanjuola v. Commissioner of Police for the Metropolis. [18] Public Interest Immunity, Research Paper 96/25, 22 February 1996, < http://www.researchbriefings.files.parliament.uk/documents/RP96-25/RP96-25.pdf> accessed 21 February 2016. [19]R v Hallett [1986] Crim LR 462. [20] Ibid, R v Hallett. [21] Ibid, Research Paper 96/25. [22]R v Rankine (1986) 83 Cr. App. R. 18 [23] Ibid, R v Rankine. [24]R v Johnson (Kenneth) [1988] 1 W.L.R. 1377. [25] Ibid, R v Johnson (Kenneth). [26] Ibid, R v Johnson (Kenneth). [27] Blake v DPP [1993] 97 Cr. App. R. 169. [28] An Informer v A Chief Constable [2013] QB 579. [29] Michael v The Chief Constable of South Wales Police [2015] UKSC 2. [30] Ibid, Michael v The Chief Constable of South Wales Police. [31] In the Matter of A (A Child) [2012] UKSC 60. [32] Ibid,In the Matter of A (A Child).

The Creek Indians :: American America History

The Creek Indians Location and Background The early English traders gave the Creek native Americans their name because they usually built their villages on or near creeks or rivers. If they were to still have their villages it would include areas of Northern Florida and Eastern Louisiana and Southern Tennessee. The majority of the villages were located along the banks of the Coosa, Tallaposa, Flint, Ocmulgee, and Chattachoochee rivers. The native word for the most powerful band of Creeks was the "Muskogees". The Creek native Americans were the most powerful and widespread tribe of the Southeast culture area. It was also thought that the Creeks were long lost ancestors of the Mound Builders. Villages "The Chief of The Creek village or tribe was called an amirco, but he was not the absolute ruler." His job in the village included making important decisions.Once he made a decision many town criers would go out to announce the it to other tribes within the Creek. The Creeks were agricultural, but war like. The number of Creeks at one time was 30,000. The villages were separated into two red and white. Red towns had warriors who launched raids far and wide for purposes of honor and revenge. Red Creeks usually held war dances often to protect them selves in battle. Within the white towns lived most of the peace makers who kept track of alliances and gave sanctuary to refugees or poor people. White Creeks held ceremonies such as the signing of treaties or alliances. Each village had a town square at its center with seats where spectators could sit.The town square was used for ceremonies and games. Each village had a circular town house with clay walls and a cone shaped bark roof about 25 feet high. This was a ceremonial lodge and was also used for shelter for the homeless. Some town houses were smaller with a slanted bark roof only about 10 feet high. The most common house had a slanted bark roof with the roof about 7 feet high these were used for individual families, it held about, four to five people in it.. Each family had a summer and winter house both were packed with mud. The summer house was often used as a guest house for when visitors came to visit. They also owned their own granary which was half open and they also had a warehouse which was open on all four sides similar to a chickee.

Creating a Process-Driven Organization at AgCredit Essay

AgCredit, The MidWest Agriculture Credit and Loan Company is a midsize financial institution which concentrates on agribusiness. Over the past few years there is a significant growth in business and plays its own role by competing with other larger banks. â€Å"Even though AgCredit had an extensive customer knowledge, the process and customers were taxed to the hilt due to the lack of better technological system†, said Jim Finney, CEO of AgCredit. (McKeen & Smith, 2012). He proposed to get some better technology to overcome the present in a meeting. Then everyone over there started pointing the drawbacks of IT. Steve Stewart, COO of company moans that IT’s is mess and whenever he assign any task then they simply escape from the situation by saying a reason. Paul Manley, the senior vice president of e-business, agreed. He added that IT sysyem is completely broken and he wouldn’t ask them to solve our business problems. The others chimed in with all of their views as project delays, customer complaints, bad information and IT staff, who did not have a clear knowledge on business. So Kate Longair, who works in Enterprise Integration Program (EIP) for AgCredit assigned responsibility of making out the integration of the system in a best way. (McKeen & Smith, 2012). After three months of rigorous work for Kate and her team, she came up with a twenty foot long diagram of total system in the company and the processes. she explained to Finney that all people recognized what exactly they planned to do in addition to exactly how it will add benefit to the business, however no one understood exactly how their particular small business method would fit with all people else’s to deliver enterprise benefit. Next we all realized had been that we did not comprehend our organization procedures in addition to that they worked with each other. (McKeen & Smith, 2012). Presently there happened a lot of money associated with hardships within the current framework. It’s prepared within basement and also the 4 unique organization dividers associated with AgCredit posse’s impartial IT strategies and also the programs that are not really unsuited along with additional business strategies. Sometimes the actual promises concerning freelancing had been wrong. The organization is within lacking IT  supervisors along with great specialized understanding in a number of specific areas. You can also find accusations concerning task obstacle, terrible information as well as customer critique as well as supervisory recruiting. To be able to solve these types of problems, The organization offers hired a specialist as well as she forecasted an answer known as Support focused structures (SOA). The organization happens to be analyzing in the event that SOA would be the best strategy within solving their own problems. (McKeen & Smith, 2012). Key Concer ns The actual company’s professionals are extremely hectic along with daily procedures as well as brand new endeavors. IT proficiency offers ended up with time and also the framework had been in no way aimed along with organizational goals. Even though some backend tinkering offers created organization broad info obtainable in some instances, the present techniques are not suitable as well as conversation in between all of them is actually bad. IT doesn’t possess trustworthiness inside the outlines associated with company. This can be a understand disadvantage and you will be tackled within the reorganization of IT. Company procedures are not recognized because of IT personnel and frequently the company by itself does not have a comprehensive gasp on the procedures. The actual interconnections from the procedures tend to be not clear in order to each attributes from the business additionally. The actual sections don’t realize their own part inside the business plus they should work out how they ought to assistance the actual business. Aiming their own person objectives along with proper reps will have to be achieved. You will find four company sections inside AgCredit. The actual company’s proper reps tend to be constant development, area associated with client associations, capability to save money period using the clients, capability to cross-sell providers, and supply a regular encounter towards the client. The CIO placement was made in order to line up IT and also the company and also to guide the actual IT change. The new CIO offers operate an effective marketing campaign along with e-business as well as involves the positioning along with clean eye, however deficiencies in official specialized encounter. He is comfortable in making use of companies as well as consuming several factors associated with look at. Absolutely no IT governance or even structures happens to be in position. Instead the  divisional framework offers been around as well as business vision is actually short. IT choices are created to satisfy short-term requirements as well as endeavors. IT perform can be considered the assistance support for that company. A few of the IT staffing problems tend to be: reduced well-being, higher work ambiguity, unqualified personnel filling up jobs, specialized abilities without a few places, absolutely no older IT supervisor jobs, and several bare work functions. A part of retooling the actual IT structures should be in order to straighten out these types of staffing requirements. A good application-centric mindset guidelines the organization. It’s resulted in four individual directories, one for each department, as well as large information untidiness as well as redundancy. A good SOA strategy may be advised depending on organizational requirements, in order to change IT. Individuals requirements consist of adding systems as well as systems without having alternative. Vendor options must be simplified as well as a good authorization procedure set up supported along with delivery metrics as well as procedures The following actions is going to be bringing together the client information as well as conditioning its basis. Just one group of client info may be the expectancy which will even assist construct believe in as well as trustworthiness towards IT, inside the business. Managing IT as a Business In the past, IT been among the minimum recognized expenses as well as probably the most mismanaged regions of numerous company. Failure in order to meld IT businesses, techniques, as well as technologies and also to straight link these types of towards the corporation’s proper company drivers to create outcomes is among the major explanations why big, complicated mergers or even acquisitions frequently fail to provide on the guaranteed synergies. In the event that technologies would be to satisfy its guarantee and supply obtain the benefit to some company, two main modifications should happen: The actual IT business should be handled as well as brought in a expert method, such as any kind of big company device, along with consideration in order to focal points, individuals as well as overall performance. The connection in between IT customers through the company and also the IT business should alter. IT customers should realize that the corporation’s capability to supply IT is not limitless. Such as  other things, IT is sure through guidelines associated with provide, need, as well as price. Only if customers from it through the company tend to be pressured in order to â€Å"pay† for this, possibly clearly via some kind of transfer prices or even more frequently implicitly via tradeoffs within additional business spending budget collection products, may learn to make use of very carefully as well as actively. (Lutchen, 2004) The following image represents the role of IT unit in business. The mid section represents the practical execution of IT as a business. (Lutchen, 2004). The reason behind IT organizations Figure1: Lutchen, M. (2004). Managing IT As a Business : A Survival Guide for CEOs. Hoboken, N.J.:J.Wiley and CIOs fail is due to lack of deliver value to the business. It is their inability to concentrate sufficient amount on the middle section of the above figure 1. IT and business are really an essential point to enhance the worthiness associated with company because of IT opportunities. To achieve the actual objectives and missions of the business you will find six crucial features Organization need to look at the IT like a technical device to convert them into business. What this means is obtaining acquainted with the company they are dealing. Customer significance as well as client satisfaction should be thought about like a earlier point making income towards the organization. IT repetitions as well as people should have the knowledge as well as understanding of one another benefits, so the scenario won’t guide right into chaos. Organization should have particular as well as clear objectives that leads to attain a typical objective. These two organizations ought to realize the organization revenue as well as reduction methods. (Nelson and Alok, 2013) Organization culture ought to be taken care of inside a comprehensive as well as lively method. These people work collaboratively and cope with the organization income instead of their very own sections. Along with today’s competing world, businesses tend to be coping with  numerous issues. So that you can match up these kinds of problems, organizations consist of constantly acquired assistance of the IT to have success together with generating revenue. Many organizations today count on IT to know the enterprise value. It could possibly in essence form of just how enterprise can be completed in addition to empower the technique plan. Enterprise must fully grasp that it is not optional, nevertheless crucial to the actual accomplishment from the enterprise. In addition to the many procedures, typically firms will have the knowledge about their drawbacks among all of them and it and this also insufficient equilibrium causes an important effect on organization’s power to receive the majority of out of it is resources. Doing work collaboratively, organization and IT could make work extra handy, collection arranged with coordinative-based conduct happen. The IT in the commercial is needed created for technical pattern, investigation, facts investigation and also arranged starting. While IT provides strengths towards messing around with reality, company, without appropriate collaboration involving them, and that is not possible inside the reality. (Tapscott, Don.,1996) The bond between IT and as well business is generally documented being excellent, amiable and as well productive not until both equally try to understand methods and also goal business practice that may impact several variables as an customer satisfaction and pleasure, quality about solution as well as cost. IT must deliver innovative advancements that can be used because of the business, which will aid these to generate and in addition develop fresh constructions, strengthening most of these to regulate their particular workouts in ways that are not possible to doable. These enhancements in future may lead as an additional strength. The IT need to offer new alternatives by means of greater technical know-how to help come up with the latest advancement also to help to improve business practice basically, enterprise actually have to offer IT to help socialize in all of the their very own exercises that it can take a look at with regards to just what company is generally planning on by with it. The relationship among enterprise and also it will guide either of those to further improve the business ability not just within their technical areas but additionally within non-technical, for example difficult task producing,  advertising, buyer interactions or anything else. It should typically make possible substantially richer operations with regards to quality. (Thakur, G.C.,1996) IT running a business taken out a lot of problems previously. They are considered as some sort of two pieces doing the job collaboratively to generate the idea to be a superior company. This are invariably good for understand what exactly company needs and in addition it must develop with regard to earnings as well as accomplishments rather than people working in taken care of parts. Designed for receiving beneficial teamwork, every single person in the specific team must create numerous features. It may help decide much better company features as well as help agencies to complete diverse ambitions as well as improving features. Different database need to be maintained at the moment as well as upcoming features relating to company. (Shank, John K. & Govindarajan, Vijay.,1993) Project Implementation: Process functioning class should primarily perform comprehensive research in relation to the progressions, the sustaining techniques, present projects carried out from the business plus the technological innovation they are applying at present. The organization ought to subsequently make a floor program that is certainly linked to the targets with the business through using clear technological innovation benefits. Later the job class really should concentrate on involving IT crucial program that is certainly in addition to the actual association’s detailed crucial program. The main element targets should be primarily acknowledged so that these people go progress as well as make a spirited border. Then work class really should carry out an enterprise field research this can easily classify the business enterprise progressions which have been captious for the enterprise as well as generate a technique which could effectively earnings the majority by using it. (Schwalbe, 2013) Service Oriented Architecture According to â€Å"Hao He†, â€Å"SOA is an architectural style whose goal is to achieve loose coupling among interacting software agents. A service is a unit of work done by a service provider to achieve desired end results for a  service consumer. Both provider and consumer are roles played by software agents on behalf of their owners.† (He, 2003) The primary problems associated with SOA execution tend to be issues within creating effective decision structures, creating a SOA roadmap, controlling as well as governing services, determining providers as well as insufficient support financing as well as insufficient constant governance procedures. To deal with these types of problems, businesses need a thorough SOA governance construction that may be used within an iterative method. (Hojaji, F., & Shirazi, M., 2012) According to â€Å"Hojaji & Shirazi†, there are five key points for developing a SOA governance frame work. There are five activities to follow. They are:  Problem Identification: we stipulate the actual specific domain, as well as justify the worthiness of the answer. In line with the issue range, we determine the primary needs, problems as well as implicationss associated with SOA adoption as well as suggest some SOA governance components.. Define the Objectives of a new Solution: All of us evaluate a few of the current SOA governance construction by way of the literature review to locate their own pros and cons. This particular evaluation specifies the style technique for creating a brand new SOA governance construction. Design and Development: We stipulate a new frame work as well as existing the universal conceptual design along with a procedure design in order to state the actual special functions as well as primary aspects of the actual suggested construction. Demonstration: With regard to demo from the created construction, all of us utilize the brand new construction within an IT division. Additionally, we create an in depth execution procedure close to the construction to show it’s utility. Evaluation: We examine the framework by looking at its capabilities and evaluating the fitness of SOA governance elements. Also, it is analyzed with a qualitative model.†(Hojaji, F., & Shirazi, M., 2012) Because of  increasingly more businesses proceed towards applying support focused structures, Table 1: Hojaji, F., & Shirazi, M. (2012). A DESIGN SCIENCE APPROACH TO DEVELOP A NEW COMPREHENSIVE SOA GOVERNANCE FRAMEWORK. International Journal Of Managing Information Technology, 4(3), 33-53. doi:10.5121/ijmit.2012.4304 they have to use choose decision providers as well as system managers with regard to success and recognizing the actual advantages of SOA. Within changeover in order to SOA, businesses encounter a number of problems for example issues within creating a highly effective choice framework, controlling as well as regulating providers as well as insufficient constant governance procedures. Consequently, to deal with these types of problems as well as accomplish SOA advantages, businesses need deployment of the properly comprehensive SOA governance design that may be used within an iterative as well as incremental method. The above table represents the SOA challenges and related to SOA governance elements. (Hojaji, F., & Shirazi, M., 2012) The activities of service oriented modeling is represented in the below table. This shows the activities that are typically conducted by each of the roles of provider and consumer. Note that the provider’s activities are a superset of the consumer s activities. (Arsanjani, 2004) Table 1: Arsanjani, A. (2004). Service-oriented modeling and architecture . Retrieved from IBM: http://www.immagic.com/eLibrary/ARCHIVES/GENERAL/IBM/I041109A.pdf IT Governance  IT governance primary goal is defined as â€Å"to assure that the investments in IT generate business value, and to mitigate the risks that are associated with IT†. This can be done by implementing an organizational structure with well-defined roles for the responsibility of information, business processes, applications and infrastructure. (BriseBois, 2012) IT governance ought to be seen as how IT generates benefit that will satisfies into your entire Business Governance Strategy in the enterprise, rather than make sure being a self-control without attention. Within getting that technique, just about all stakeholders can be necessary to participate in your choice making course of action. This generates the discussed acceptance involving  accountability intended for essential devices in addition to makes sure that IT connected selections are created in addition to motivated because of the company and not vice versa. There are nine principles of IT governance which plays an active role in a company. (Ross, 2004) Actively Design Governance: A lot of enterprises include made disparate IT governance parts. These kinds of uncoordinated system â€Å"silos† result from governance simply by default—introducing parts one by one to handle a selected need. Patching up problems since they crop up is often a preventive method that boundaries options pertaining to strategic impact from IT. Rather, management really should make an effort to design IT governance across the enterprise’s ambitions and functionality aims. Make an effort to planning governance will involve senior management getting the steer and allocating resources, interest, and service for the practice. For a few enterprises, this is initially IT governance is actually clearly created. Generally you’ll find fully developed company governance as a beginner. Know When to Redesign: Rethinking the full governance structure calls for individuals understand new tasks and relationships. Learning normally takes time. So, governance renovate must be sporadic. The suggestion can be made that a modification within governance is needed when that has a modify within desirable actions. Involve senior managers: companies with increased successful IT governance have additional senior administration effort. CIOs have to be successfully associated with IT governance for achievement. Other senior professionals must participate in the actual committees, the actual approval operations, and functionality reviews. For several enterprises, this particular effort is a pure extendable connected with senior management’s typical routines. It’s very ideal for the actual CIO and his or her personnel to communicate with IT governance using one document which has a visual like the Governance Measures and Matrix. Matrix comes with a path for dealing with every single senior manager’s part and concerns they have. Make choices: Effective governance, including excellent methodology, deals  with possibilities. It isn’t practical for IT governance in order to meet every single goal, although governance can easily and may highlight contradictory aims regarding controversy. While tradeoffs increases, governance gets to be more complex. Top-performing corporations deal with goal fights with a few clear business ideas. As resulting IT ideas reveal these business ideas. Clarify the exception-handling process: Exclusions are usually precisely how establishments study. Within IT language, exceptions challenges this standing quo, particularly the IT architecture and structure. Few requests for pertaining to exceptions are usually frivolous, nevertheless nearly all come from an accurate want to satisfy small business requirements. If the exemption recommended with a business model has value, a change towards the IT architecture might help the entire venture. Provide the right incentives: Incentives should be provided right. a common difficulty we all found throughout the study of IT governance seemed to be a misalignment of motivation along with reward systems with the behaviors the particular IT governance measures had been created to motivate. Assign ownership and accountability for IT: IT governance should have an head and accountabilities. Eventually, board is liable for all governance, however the board will probably expect as well as use outsourcing for an individual (probably CEO and CIO) or collection being to accountable for IT governance design, implementation, and performance—similar towards funding committee or CFO being responsible for economic resource governance. In deciding the best person or group, the board, or CEO while the responsible one. Design governance at multiple organizational levels: In large multi-business device enterprises it is vital to take IT governance into account from numerous levels. The particular starting point can be enterprise-wide IT governance motivated through few enterprise-wide techniques and goals. Companies having independent IT capabilities with partitions, sections, as well as geographies need a independent nevertheless linked section of the IT  governance. Provide transparency and education: It really is virtually unattainable to obtain excessive transparency or education regarding it governance. transparency and education often get together—the a lot more education, the greater visibility, and vice versa. A lot more visibility with the governance processes, the greater self-confidence in the governance. Analysis As by the research these are the following skills and developments that have to be maintained at AgCredit. Acknowledgement associated with company possession is going to be essential towards the organizational framework. Getting the company sign up as well as sign up for the actual discussion about this and associated tasks is going to be a key component. The guiding panel is going to be have to be the main authorization procedure for just about all tasks is required to make certain a good business look at is actually used. The actual multidivisional panel will have to make sure just about all tasks match inside a SOA construction. The actual CIO ought to be active in the boardroom as well as get access to senior administration, such as the CIO. The actual CIO ought to employ older administration that may express departmental as well as company items as well as assist manual IT workers. Accounts supervisors for every LOB which stay in the commercial however are accountable to senior IT administration ought to be set up. The whole IT personnel will have to end up being reassessed to guarantee the correct individuals are within the correct work functions. The actual IT perform will have to end up being introduced position using the business eyesight. one choice is actually to try and market in house with regard to empty IT jobs as well as insource the actual functions which can’t be stuffed. Insourcing may have the actual unique benefit of instruction IT staff whilst getting the task carried out too. Freelancing IT features which are not really primary expertise may also be used in the event that preferred. The guiding panel which signifies numerous LOBs will have to end up being created as well as providing choice producing abilities. The procedure must start through analyzing what sort of task scarves towards the general  eyesight from the organization. Following the actual panel people ought to describe the way the task results their own department and may supply to satisfy departmental requirements if at all possible. It also may need to ensure this suits inside the SOA and it is not really copied through additional software program nodes or even present procedures. If it’s a good improvement or even add-on to a different task, conversation using the consumer to determine possible advantages must start. Ensuring it may be modularized as well as standardised for that company is going to be essential for that organization structures. Furthermore ensuring just about all task kinds are thought as well as financed via a taxes on just about all LOBs may be asked to assist SOA. Manley will have to present these key talents associated with SOA as well as ensure to concentrate on exactly how it will assist the actual company’s vision and objectives. The changeover may easily simplify the business as well as accelerate item execution. Current services is going to be obtainable or even altered with regard to user friendliness. It facilitates internet providers which line up along with constant development possibilities, broadened client associations, as well as capability to cross-sell between your sections. It may instantly provide services for growing sections when it comes to feasible monetary increases as well as extending improvement bucks. Existing providers can be bought as well as put in place rapidly inside the SOA. This particular raises the abilities as well as guarantees all of us remain swept up using the bigger companies. Essentially this could level the actual actively playing area supplying useful assets as well as techniques. Once the client info is actually centralized, that is necessary for SOA, the actual cost savings through decreasing data source requirements is going to be recognized. Having typical procedures may line up the company in general as well as make sure worth through elevated conversation as well as reduced doubt. This type of technologies base might permit the method all of us function to alter, for instance a home based job or even on the highway operating via a VPN. The actual abilities required to assistance the actual SOA in the IT viewpoint tend to be administration resources, information administration  resources, Information shipping choices, improvement series, along with a customer support mindset towards the actual sections. Role clarification is going to be essential within establishing these types of abilities. Administration resources consist of visioning as well as company position procedures, financing techniques, dimension metrics as well as concentrate, as well as checking techniques. Info rmation administration resources consist of selection actions, arrange procedure such as strategies as well as taxonomy, procedure quests to make use of the informaton, and up keep methods which assistance company features. Improvement series should comply with SOA requirements as well as recommendations, utilizing compliant equipment as well as software program to create techniques which break down the actual performance, as well as problem a long with regulating requirements, such as program skills within making reviews with regard to review reasons. The client support mindset is going to be required to handle awareness as well as maintain near scarves using the company. Prior to governance structures tend to be official the actual business as well as divisional vision as well as goals ought to be layed out. By using it operating together with the company a few leading concepts should be drawn up upward. This might include establishing accounts supervisors inside the LOB as well as developing the multidiscipline guiding panel along with substantial choice energy. This particular guiding panel ought to function carefully using the CIO and also have higher level authorization as well as business sponsorship. The actual governance program ought to concentrate on leading the actual change procedure as well as maintaining crucial problems within concentrate, for example sox as well as regulating conformity. Stakeholder participation within the guiding panel can help the company also IT structures turn out to be companions as well as to work together. It will make sure just about all sounds tend to be noticed as well as regarded as within the decision maki ng procedure. They ought to describe plan choices which assistance the actual organization’s vision in early stages. References Arsanjani, A. (2004). Service-oriented modeling and architecture . Retrieved from IBM: http://www.immagic.com/eLibrary/ARCHIVES/GENERAL/IBM/I041109A.pdf BriseBois, r. (2012). What is IT Governance? Retrieved from intosaiitaudit.org: http://www.intosaiitaudit.org/intoit_articles/25_p30top35.pdf Hojaji,F., & Shirazi, M. (2012). A Design Science Approach To Develop A New Comprehensive SOA, Governance Framework. International Journal of Managing Information Technology, 4(3), 33-53. doi:10.5121/ijmit.2012.4304 Lutchen, M. (2004). Managing IT As a Business : A Survival Guide for CEOs.(5). Hoboken, N.J.:J.Wiley Mckeen, J. D., & Smith, H. A. (2013). Creating a process driven organization at AgCredit. In Kursh, S., Lant, T., Majeske, K., Oliver, J., & Plant, R. (Eds.), IST 7100 IT policy and strategy Wilmington University (pp. 474-477). United States: Pearson Learning Solutions Nelson & Alok, (2013) Digitally Included: Business-Community Partnerships To Promote the Use of Information and Communication Technologies. (2003) Ross, P. W. (2004, 07 05). Harvard Business School Working Knowledge. Retrieved from Ten Principles for IT Knowledge: http ://hbswk.hbs.edu/archive/4241.html Schwalbe, K. (2013). Information Technology Project Management. Cengage Learning. Shank, John K. & Govindarajan, Vijay. (1993). Strategic Cost Management: The New Tool for Competitive Advantage. New York: The Free Press. Tapscott, Don. (1996). Digital Economy: Promise and peril in the Age of Networked Intelligence. New York: McGraw-Hill Thakur, G.C. (1996). What is Reservoir Management? Journal of Petroleum Technology, June, pp. 520-525.

Abstract Thinking (4 Tips for Writing an Abstract)

Abstract Thinking (4 Tips for Writing an Abstract) Abstract Thinking (4 Tips for Writing an Abstract) An abstract is a short summary of a larger work, providing a convenient way for readers to quickly comprehend its contents. This makes abstracts an essential part of academic writing. In fact, students and academics have to write abstracts for everything from funding applications and conference papers to PhD dissertations and textbooks. Learning how to write an effective abstract is, therefore, highly advised. 1. Descriptive or Informative? There are two main kinds of abstract: descriptive and informative. A descriptive abstract briefly describes the subject area and issue addressed by a paper. This may include the aims of the research and methods used, but not the results or conclusions. An informative abstract, meanwhile, should do everything that a descriptive abstract does plus outline any results, conclusions and recommendations made by the author. This makes it like a shortened version of the paper, rather than simply a description. Make sure you know what kind of abstract you’ve been asked to write. As a general rule, descriptive abstracts will be shorter (often no more than 100 words), while informative abstracts can be longer (check your style guide or ask your supervisor if you’re unsure). 2. Keywords You may be asked to provide a list of keywords as well as an abstract. These are important terms used for indexing and searching articles, making them vital to your work being found. Even if you’re not required to provide a list of keywords, including important terminology in your abstract is a good way of making it easier to access via databases and search engines. 3. Keeping it Self-Contained An abstract should be self-contained and tell readers everything they need to know before deciding whether to read a work in full. As such, avoid vague statements that require further explanation or confusing terminology that needs defining. One tip here is to have your abstract checked by someone who hasn’t read your work. If they can understand what your research is about from the abstract, you’re on the right track. If they react like this, however, redrafting might be a good idea. (Photo: LaurMG/wikimedia) 4. The Anatomy of an Abstract The exact content of your abstract will depend on the type of abstract you’ve been asked to write. Nevertheless, we can set out a few questions that a good abstract should answer: Motivations – Why is the research important? Why should the reader be interested? Problem – What problem are you addressing? What is the scope of your argument? Methodology – How do you attempt to solve the problem? Which variables are tested? What kind of data is gathered? Results – What results did you achieve? Is there key data that can be included here? Conclusion – What conclusions are drawn on the basis of the findings? Are any recommendations made as a result? If you touch upon all these factors, while being careful to stick to the word limit, you should end up with a high quality abstract suitable for publication.

102 Causal Peer Review Professor Ramos Blog

102 Causal Peer Review Quick Write How would you like someone to work with you on your essay? Due Today Rough Draft of Causal Analysis for peer review Presentations We have presentations tomorrow. You need to hand in a outline of your presentation to me and present for points. 50 points. We will also review for the final exam. Grading Criteria Clarity of Thought. Clearly defined the subject of analysis and the cause/effect that is explored. Critical Thinking. Can write reasonably and logically, exploring the causal relationships. Appropriate tone and organization for a causal analysis. Sources and use of sources to support the analysis with evidence. Appropriate title and proper use of visuals. Peer Workshop Peer edit the same way you revise your own work.  Work on the global, higher order concerns, first. Be specific in identifying problems or opportunities.  Point to places in the text where you notice something. Don’t say organization is confusing, show them where it is confusing. Use clear sentences and thoughts when commenting. Don’t just say awkward, explain what it is you find awkward. Offer suggestions for improvement.  Don’t just criticize, offer suggestions for revision. Praise what is good in the paper.  What is working well? What did you like? Keep comments tactful.  Treat another’s work the way you would like yours to be treated. Quick Write What changes are you going to make to your essay? 102 Causal Peer Review Quick Write How would you like someone to work with you on your essay? Due Today Rough Draft of Causal Analysis for peer review Honors Presentations We have a few honors presentations today. Grading Criteria Clarity of Thought. Clearly defined the subject of analysis and the cause/effect that is explored. Critical Thinking. Can write reasonably and logically, exploring the causal relationships. Appropriate tone and organization for a causal analysis. Sources and use of sources to support the analysis with evidence. Appropriate title and proper use of visuals. Peer Workshop Peer edit the same way you revise your own work.  Work on the global, higher order concerns, first. Be specific in identifying problems or opportunities.  Point to places in the text where you notice something. Don’t say organization is confusing, show them where it is confusing. Use clear sentences and thoughts when commenting. Don’t just say awkward, explain what it is you find awkward. Offer suggestions for improvement.  Don’t just criticize, offer suggestions for revision. Praise what is good in the paper.  What is working well? What did you like? Keep comments tactful.  Treat another’s work the way you would like yours to be treated. Quick Write What changes are you going to make to your essay?

Pathophysiology of Malabsorption Syndrome (at the cellullar, tissue Research Paper

Pathophysiology of Malabsorption Syndrome (at the cellullar, tissue and organ level) - Research Paper Example And lastly the transport system of these necessary elements can be affected because of which these nutrients would not be going inside. At the cellular level the malabsorption syndrome can occur due to destruction of cells of pancreas or liver which would produce the necessary juices for the digestion of nutrients. The primary mucosal cell abnormalities can cause deficiency in the transport system of the nutrients. Bacteria can overgrow in these mucosal cells which can cause deficiency of the necessary nutrients. Individuals with Malabsorption syndrome would commonly show signs of diarrhoea, flatus and pain in abdomen. This would be generally seen in individuals who have excessive secretion of intestinal juices. Similarly the hematopoetic system of that individual would also be affected because of the lack of nutrients. Lack of red blood cells and bleeding can occur at such instances. The endocrine system can also be affected of the individual through lack of the nutrients required for hormones. Calcium levels can be affected because of lack of Vitamin D and this can further lead to hyperparathyroidism. Individuals with Malabsorption syndromes show problems with their epidermis and skin because of lack of nutrients required for the development of skin. Nervous system is also affected in this syndrome such as in the deficiency of Vitamin A and B12. The treatment for malabsorption Syndrome depends on the exact cause of the disease. That is if the intraluminal digestion is affected then the exact cause of that defect should be discovered first. If a nutrient is deficient in the body it would be given orally or intravenously to the patient. Enzyme deficiencies can be tackled with treatment from oral or injected enzymes. Similarly the growth of bacteria in the cells can also be stopped by giving antibiotics. Some examples of Malabsorption syndrome are pancreatitis,

The WTO has been hijacked by rich country interests, thereby worsening Essay

The WTO has been hijacked by rich country interests, thereby worsening the conditions of the poor in less prosperous countries - Essay Example Taking the case of Zimbabwe as case in point, one can see how the WTO seeks to exploit this resource rich area of the globe for its mineral wealth while at the same time rejecting the market value of finished goods or food that Zimbabwe is capable of producing (Baumberg & Anderson, 2008). As such, the relationship is only a one way relationship in which Zimbabwe, and many nations like it, are forced to sell their products at lower prices to the richer members of the WTO. Further, even the goods that might exist to be traded on the global market are disproportionately priced and locked out of key global markets as a result of the actions that entities such as the WTO engage. Yes, it must not be the understanding of the reader that such a situation of raw material extraction and price setting is somehow unique with regards to sub-Saharan Africa. Instead, the unfortunate fact of the matter is that developed nations around the globe utilize price setting and currency wars, as well as pro duct dumping, to ensure that this particular approach to global supremacy and economic power are maintained at a systemic level. Further, taking the example of Burma, a nation that has only recently stepped out of military dictatorship, it can be understood that the WTO also seeks to take advantage of this nation; not only with respect to its surplus of cheap labor but with regards to its agricultural exports. As a direct result of the combined benefit of preferential trade, WTO member nations, specifically the wealthy ones, are able to pay their own farmers a subsidy in order that they might be able to compete with the low cost exports of nations such as Burma. In such a manner, entities such as the WTO are able to exploit poorer/less developed nations by forcing them to sell the products that are desired at a given price as well as ensuring that they are not able to gorow their own domestic economy by subsidizing any industry or agricultural sector that runs the risk of being over taken by the cheap exports that such a nation might provide to the market (Williams, 2001). One need look no further than the way in which heavy levels of subsidies exist throughout Western Europe and the United States in order to understand the way in which offenses maneuvers are continually engaged to ensure that the third world is unable to compete with the first. As such, the take away understanding that can be provided from this brief analysis is the fact that the WTO is ultimately like any other organization is made up of a large number of stakeholders (Antell & Coleman, 2011). Rather than determining that the WTO is brought to human ethics and should be dissolved immediately and forth with, the more reasonable and rational understanding that should be engaged is the fact that a disproportionate level of power and determinacy is given to those nations that hold the wealth throughout the global system; enabling them to take advantage of the poorer nations and set prices rather than engaging in a level of true economic freedom and cooperation. Ironically, this level of freedom and economic cooperation is the cornerstone upon which the WTO was originally founded. However, as can be seen from the preceding