Pathophysiology Of Lung Cancer - Free Essay Example

Sample details Pages: 3 Words: 846 Downloads: 9 Date added: 2019/10/30 Category Medicine Essay Level High school Tags: Lung Cancer Essay Did you like this example? Lung cancer can be defined as a neoplasm in the lungs cells, either small-cell or non-small cells. Also, the cancer can start in the lungs, or elsewhere in the body, and travel through the blood to the lungs. Lung cancer has one main protagonist that causes it; smoking. Don’t waste time! Our writers will create an original "Pathophysiology Of Lung Cancer" essay for you Create order Undoubtedly, the numbers are high; is the third most common cancer in the United States (VanMeter Hubert, 2015). Nevertheless, the recurrence has lowered, but the mortality is high. According to the American Cancer Society, by 2018, there would be around 234,030 new cases of lung cancer; 154,050 deaths from lung cancer, impacting almost equally women and men. (American Cancer Society, 2018). Furthermore, African-American men are more susceptible to develop this disease as well with around a 20% chance (American Cancer Society, 2018). Etiology Smoking is the main predisposing factor when it comes to lung cancer, which is around 90% the causative agent in developing it (Ridge, McErlean, Ginsberg, 2013, p. 96). Additionally, being a passive inhaler can also be a major risk factor in developing lung cancer. The major culprit are the chemicals in cigarettes which cause changes in the lung tissues. For instance, chemicals like asbestos and radon are some of the major chemicals that when inhaled are detrimental for the lungs tissues and cells (Ridge, McErlean, Ginsberg, 2013, p. 96). When it comes to cells, genetic material can sometimes play a role in either developing lung cancer or being exempt from it. Nevertheless, a non-smoker and a smoker can both develop lung cancer. Also, all of the above factors contribute to developing chronic obstructive pulmonary disease, which also contributes to developing lung cancer as well. Once a person survives lung cancer, that survivor status places the individual at risk for recurring lu ng cancer as well. On the other hand, other risk factors for include age, gender, and lifestyle as well. The older a person is, the more likely he or she is to develop cancer which can also metastasized as lung cancer too. Lastly, it has always been proven that an active lifestyle is one of the major preventions of any type of diseases, but some risk factors cannot be change, like age. Pathophysiology Process There are three types of lung cancer: adenocarcinoma, squamous cell carcinoma and small-cell lung cancer. When it comes to causes like COPD and how it relates to lung cancer, it must be observed at a cellular level. COPD is known for the inflammation that forms in the lungs, this inflammation is the result of various irritants that were inhaled, and the body is reacting to them (Miao et al, 2018). Many cells are part of this inflammation in COPD like macrophages, epithelial cells, dendritic cells, neutrophils, eosinophils, and T and B lymphocytes. This prolonged edema causes emphysema in the lungs which is damage to the air sacs that enable the gas exchange during the breathing process. While this is happening, the body will try to compensate by coughing and showing hypertension. Since there is an obstruction in the lung tissues, there will be an inadequate oxygen and carbon dioxide exchange as well. In hindsight, all these cellular level degenerative problems happen as well in smoke rs lungs; since cigarettes contained several carcinogenics and irritants. Clinical Manifestations The manner in which cancer manifest in the body happens in numerous ways, nevertheless signs do not show when the cancer is in its early stages. For instance, shortness of breath and cough are the main signs since there is a buildup of mucus in the bronchioles and the body compensates with coughing to excrete the mucus. Nevertheless, due to the immense edema and emphysema, the mucus remains in the lungs. Moreover, the signs stated above also cause shortness of breath since the alveolus cannot expand properly; the inspiration/expiration is incomplete. There is also coughing up blood (hemoptysis) which is a sign of major tissue damage in the lungs. As result of the excessive inflammation in the lungs, individuals will experience chest pain since the pleural is inflamed and irritated with the coughing and emphysema. Consequently, as the lung cancer progresses, the more pain and complications an individual will experience. If left untreated, lung cancer can metastasize to other regions i n the body through the circulatory system. If it metastasizes, cancer will be fatal to the individual. Diagnostic There are a couple of diagnostic tests physicians employ to detect lung cancer. For instance, an imaging test like an X-ray of the chest portion, would show any abnormal growths on the lungs like nodules or masses. Also, others imaging tests that would give physicians a clearer image are CT scans which would show small lesions that would not be shown in a chest X-ray. Furthermore, a more specific or clearer test on a microcellular level would be a sputum cytology test. Samples taken from the lungs would be examined under a microscope to detect any abnormalities on a microscopy level. Also, a biopsy can be performed, which takes a collected portion of neoplasm to check for abnormal cells. Other test that would also aid in the diagnostic procedure would be testing the oxygen levels in the lungs and blood.

Police Community Relations Essay - 1807 Words

Police-Community Relations Kaplan University Did you know that 42% of Americans find their local law enforcement untrustworthy? This is due in large part to the number of police related incidents that have been in the news of late. The negative publicity that law enforcement is getting has an adverse effect on all police departments, nationwide. In turn this is having an effect on police-community relations. To better the relations between the Ringgold police department and the community there needs to be more outreach programs. At this time I believe that the community relations are in a good solid place. We have areas that we can improve on. (R. Kinsley, personal communication, February 1, 2015). Our chief of police has a better†¦show more content†¦Having trust makes one fell safe and free of fear enough so that they can focus on other things. There is a perception of distrust between law enforcement and the community. This distrust stems directly from the dangerous words police use when communicating with the community. (Willis, 2015, p.) Simply choosing better words can help build relationships between law enforcement and the community. It is necessary for law enforcement to have trust with their community. There are many things that hinge on the police-community relationships, the ability of law enforcement to perform their duties, are the most important. Law enforcement must be willing to rely on the public to observe the law. They must always demonstrate absolute impartiality to the law. Over the last five decades, our society has undergone huge demographic shifts with regards to the family. (Faith and Family, 2005) Sixty five years ago seventy-eight percent of families lived in a household where the head of household was married. Only fifteen years ago nearly half of all American lived within a home where the head of household is unmarried. This shift in authority within the home has had an effect of the way that the public views the authority of law enforcement personal. In a national Institute of Justice study it was found that interactions with police are the factors that most influence public opinion. (Factors That Influence, 2007) Interactions were defines as â€Å"person to person†Show MoreRelatedPolice Community Relation536 Words   |  2 PagesThe term community is a more than geographic boundaries. It is a group of people sharing something in common. According to (Miller and Hess 1998), community is a shared sense of ownership and pride in a given place or environment. Police community relation is defined as attitudes and behaviors between the police and the communities they serve. They can range from positive to negative. It is true that poor relation between the community and the police can lead to resentment, cynicism and fearRead MoreThe Issue Of Police Community Relations Essay837 Words   |  4 Pagesprohibited.? ? II.Reason for the Policy? The need for a policy regarding police community relations is of great importance.How both entities interact either provide positive results in the realm of fighting crime and bringing offenders to justice, or negative results in the form of the eyes and ears in the community refusing to provide vital information because of fear and mistrust of Police.One example of this would be the shooting death of a teenage girl named Tiphne Hollis,Read MoreImproving Police Community Relations Between Police And The Community Essay2309 Words   |  10 PagesImproving police-community relations allows officers to do their job more effectively, it can also help officers have a better morale and find their jobs safer and easier. If a level of trust is established between police and the community they serve, members of the community will be more willing to offer their help to solve crimes, and give out information about possible suspects. It is extremely important for the police to have an open lin e communication to the community if they want to increaseRead More Profiling and Police/Community Relations Essay1435 Words   |  6 Pagesprofiling and police-community relations are comprised of a two-fold focus. The first focal point concentrates on attitudes members of a community have about profiling in accordance to actions conducted by police officers upon them in the course of their duties. The second focal point concentrates on the profiling of police officers, as completed by early intervention systems, in an effort to reduce complaints from members of the community. The literature on the attitudes which community membersRead MoreRacial Relations Between The Police And Minority Communities Essay1511 Words   |  7 PagesDo relations between the police and minority and the police and non-minority communities differ, how, and for what reasons? If the question is posed to the minority communities and the non-minority communities than the resounding answer would be â€Å"yes!† One persistent in the argument over policing and racial relations in America is how differently this issue is looked at by blacks and whites. Pew Research Center polling has continually found that blacks and whites have very different views aboutRead More Police Relations with Minority Ethnic Communities Essay2908 Words   |  12 PagesPolice Relations with Minority Ethnic Communities The Macpherson report was published in 1999 amidst problems of racial inequality and a lack of faith in the police amongst minority ethnic communities. There is an ongoing debate on whether Macpherson’s report was a help or a hindrance with regards to minority ethnic relations and the police; it is this dispute that the essay shall examine. To begin with the paper will look at the problems, which existed prior to SirRead MoreRace Relations Between The Police And The African American Community1490 Words   |  6 Pagesthe case was symbolic of race relations between the police and the African-American community. McWhorter, an African-American, goes into detail about how he did not understand why his community was cheering back in 1995 about Simpson being acquitted. McWhorter even believed that Simpson was guilty. However, he does now understand why the African-American community behaved the way they did, especially recent incidents between the police and the African-American community are put into perspective. InRead MorePolice Brutality And Why Is It Important Right Now? Essay926 Words   |  4 PagesIntroduction What is police brutality and why is it important right now? Police brutality is the use of excessive force carried out by a law enforcement official. Lately, various incidents of police brutality have surfaced in the news, but this is nothing new. Past incidents including the death of Michael Brown in Ferguson, Missouri brought serious social issues to the frontlines. Michael Brown was an unarmed black teenager who was shot and killed by a white male. Other incidents include the deathRead MoreImproving The Relationship Between The Police And The Public960 Words   |  4 PagesImproving the Relationship Between the Police and the Public There are many reasons why the police have a difficult time interacting with the communities they are supposed to protect and serve. These issues did not occur overnight however the string of police involved shootings throughout the United States seems to wedge a bigger gap between the pubic and the police, along with poor communication skills and lack of positive engagement with the community. Police officers deal with many types of peopleRead MorePolice Reform : 1960s And Today s Society1732 Words   |  7 PagesAlyssa Compton Professor Grace Stewart CRJ 217 20 March 2016 Police Reform: 1960s and Today’s Society In the 1960s, there were a lot of riots and protests due to the civil rights movement to enrich individual’s rights and constitutional protections. Many of the police were restricted and were â€Å"handcuffed† and could not do much in order for people to have their rights. The bond between the police and minorities were quickly detached, causing racial issues and total chaos. Lyndon B. Johnson established

Business Aspects in Banking and Insuarance Free Essays

string(92) " likely to be major factors in the marketing of insurance products in the immediate future\." Present Scenario of insurance in business The liberalization, privatization and globalization policies of the nation along with the revolution in the field of Information Technology and communication have been advantageous for the insurance sector in India. ? Entry of private players and foreign collaborations: It was on the recommendation of the Malhotra Committee that private players were allowed to enter into the insurance market. Today there are almost 22 players who have entered the Indian insurance market besides the giant Life Insurance Corporation of India (LIC). We will write a custom essay sample on Business Aspects in Banking and Insuarance or any similar topic only for you Order Now Another major development that has taken in the field of general insurance is the de-linking of the 4 subsidiaries of the General Insurance Corporation of India (viz. Oriental Insurance Company Ltd. , New India Assurance Company Ltd. , National Insurance Company Ltd. and United India Insurance Company Ltd) from the parent company. ? Marketing strategies and approaches: The entry of private players and their foreign partners has given domestic players a tough time, because the opening up of the sector has not brought in only foreign players, but also professional techniques and technologies. The present scene in India is such that everyone is trying to put in the best efforts. One can see strategies being more for survival than growth. But the most important gift of privatization is the introduction of customer-oriented services. Utmost care is being taken to maximize customer satisfaction. Insurance Sector Today: Opportunities and Challenges Opportunities As compared to the Western countries, where they have already reached a stage of saturation, India can exploit some golden opportunities in the following fields. 1. Mass Marketing India is a highly populated country and would continue to be so in the near future. New players may tend to favour the â€Å"creamy† layer of the urban population. But, in doing so, they may well miss a large chunk of the insurable population. A strong case in point is the current business composition of the dominant market leader – the Life Insurance Corporation of India. The lion’s share of its new business comes from the rural and semi-rural markets. In a country of 1 billion people, mass marketing is always a profitable and cost-effective option for gaining market share. The rural sector is a perfect case for mass marketing. Competition in rural areas tends to be â€Å"kinder and gentler† than that in urban areas, which can easily be termed cutthroat. Identifying the right agents to harness the full potential of the vibrant and dynamic rural markets will be imperative. Rural insurance should be looked upon as an opportunity and not an obligation. A smaller bundle of innovative products in sync with rural needs and perceptions, and an efficient delivery system are the two aspects that have to be developed in order to penetrate the rural markets. 2. Job Opportunities Job opportunities are likely to increase manifold. The liberalization of the insurance sector promises several new job opportunities for those who are equipped with degrees in finance. Finance professionals who had witnessed a slump in the job market would be much relieved. There will be demand for marketing specialists, finance experts and human resource professionals. Apart from this, there will be high demand for professionals in streams like underwriting and claims management, and actuarial sciences. 3. Inflow of Funds There could be a huge inflow of funds into the country. Given the industry’s huge requirement of start-up capital, the initial years after opening up are bound to see a strong inflow of foreign capital. A rise in the equity share of foreign partners to 49 percent will act as a boost to them. 4. Reinsurance Huge capacity is likely to be created in the area of reinsurance. Apart from pure reinsurance activities, which involves providing insurance protection, there will be a revolution in service-related fields like training, seminars, workshops, know-how transfer regarding risk assessment and rating, risk inspections, risk management and devising new policy overs, etc. 5. Marketing Strategies Also, with more players in the market, there will be significant increase in advertising, brand building, and this will benefit whole lot of ancillary industries. A substantial shift is likely to take place in the distribution of insurance in India. Many of these changes will echo international trends. Worldwide, insurance products move along a continuum from pure service products to pure commodity products. Initially, insurance is seen as a complex product with a high advice and service component. Buyers prefer a face-to-face interaction and place a high premium on brand names and reliability. As products become simpler and awareness increases, they become off-the-shelf, commodity products. Sellers move to remote channels such as the telephone or direct mail. Various intermediaries, not necessarily insurance companies, sell insurance. In some countries like Netherlands and Japan, insurance is marketed using the Post Office’s distribution channels. At this point, buyers look for low price. Brand loyalty could shift from the insurer to the seller. 6. Bancassurance In other markets, notably Europe, this has resulted in bank assurance: banks entering the insurance business. The Netherlands led with financial services firms providing an entire range of products including bank accounts, motor, home and life insurance, and pensions. Other European markets have followed suit. In France, over half of all life insurance sales are made through banks. In the UK, almost 95% of banks and building societies are distributing insurance products today. In India too, banks hope to maximize expensive existing networks by selling a range of products. Many bankers have shown an inclination to enter the insurance market by leveraging their strengths in the areas of brand image, distribution network, face to face contact with the clients and telemarketing coupled with advanced information technology systems. Insurers in India should also explore distribution through non-financial organizations. For example, insurance for consumer items such as refrigerators can be offered at the point of sale. 7. Information Technology Worldwide interest in E-commerce and India’s predominant position in Information Technology and software development are also likely to be major factors in the marketing of insurance products in the immediate future. You read "Business Aspects in Banking and Insuarance" in category "Papers" The number of Internet account is increasing and the trend has already been set by some of the leading insurers and insurance brokers worldwide. Challenges If one has opportunities, one has to face challenges; it is like two sides of the same coin. No doubt India has a lot of opportunities coming her way, but there are a few challenges and threats as well. The four main challenges facing the industry are product innovation, distribution, customer service, and investments. Unit-linked personal insurance products might find greater acceptability with rising customer awareness about customized, personalized and flexible products. Flexible products and new technology will play a crucial role in reducing the cost and, therefore, the price of insurance products. Finding niche markets, having the right product mix through add-on benefits and riders, effective branding of products and services and product differentiation will be some of the challenges faced by new companies. . Technology In today’s highly competitive financial services environment, effective organizations will employ technology in a strategic way so to achieve a competitive edge. Technology will play an increasing role in aiding design and administering of products, as well in efforts to build life-long customer relationships. At the same time, investment in technology will only help as long as firms find the right people: people with the right attitude, values, and ethics, commitment to excellence, and focus on customer service. The critical success factor is a top-down emphasis on exceeding customer expectations with quality people, excellent products, and legendary service. As has been seen in other financial services, the entry of private players ensures that the customer will be the beneficiary in the long run. It will also result in enlarging the market and extending the reach of insurance across the country. 2. Competition Thus, apart from the normal issues facing any new company, many new Indian private insurance players will need to cope with the challenges of working with a joint venture partner. They will be competing with large and well-entrenched government-owned players. They have to overcome regulatory hurdles, change the attitude of new recruits and satisfy some very high customer expectations. Also, the players will have to consider the Indian market as a long-term investment, and maintain clear-cut objectives and constant monitoring at all levels. Conclusion ? Nationalized players will continue to hold strong market share positions: Over the past three years, around 40 companies have expressed interest in entering the sector and many foreign and Indian companies have arranged anticipatory alliances. The threat of new players taking over the market has been overplayed. As is witnessed in other countries where liberalization took place in recent years, we can safely conclude that nationalized players will continue to hold strong market share positions, but there will be enough business for entry to be profitable. ? Recognizing the potential market Opening up the sector will certainly mean new products, better packaging and improved customer service. Both new and existing players will have to explore new distribution and marketing channels. Potential buyers for most of this insurance lie in the middle class. New insurers must segment the market carefully to arrive at appropriate products and pricing. Recognizing the potential, in the past three years, the nationalized insurers have already begun to target niches like pensions, women or children. ? Facing competition and challenges Competition will surely cause the market to grow beyond current rates, create a bigger â€Å"pie,† and offer additional consumer choices through the introduction of new products, services, and price options. Yet, at the same time, public and private sector companies will be working together to ensure healthy growth and development of the sector. Challenges such as developing a common industry code of conduct, contributing to a common catastrophe reserve fund, and chalking out agreements between insurers to settle claims to the benefit of the consumer will require concerted effort from both sectors. Objectives of Insurance: 1. Risk Sharing: insurance is mechanism adopted to share the losses that might occur to an individual or his family on the happening of a specified event. The event may be death of earning member of the family in case of life insurance, marine perils in marine insurance and other certain events in miscellaneous insurance. The loss arised from thee events if insured are shared by all the insured in the form of premium. Thus, risk is transferred from one individual to a group. 2. Co-operative Device: Insurance is a cooperative device under which a group of persons who agree to share the financial loss may be brought together voluntarily or through publicity or through solicitation of the agents. An insurer would be unable to compensate all the losses from his own capital. Therefore, by insuring a large number of persons, he is able to pay the amount of loss. Like all other cooperative devices there is no compulsion on anybody to purchase the insurance policy. 3. Saving: Insurance is a saving device, particularly the life insurance. The claim is certain in case of life insurance, while it is not certain in general insurance. Therefore, life insurance is considered as saving because; the insured party gets the sum assured plus bonus at time of maturity. Therefore, life insurance is considered as a savings device. 4. Economic Security: Insurance provides economic security for such losses arising out of happening of insured event such as personal accident. Insurance is a protection against uncertainties of life. It provides monetary compensation for losses suffered due to happening of uncertain events, insured under the policy of insurance. Insurance is a shelter against financial losses arising out of occurrence of an anticipated accident. Thus, it provides economic security to the family of insured person or his property. 5. Economic Development: One of the most important factors contributing to the process of economic development is the capital formation. The relation ship between capital formation and insurance services in both the developed and developing economies of the world has been quite prominent and noteworthy. The savings from the household sector constitute the major proportions of the total savings in the country. The household savings constitute physical and financial. The insurance is a financial savings. As the economy progresses and attains maturity, progressively larger proportion of savings is invested in the financial assets like insurance. . Capital formation: Capital formation is the increase in capital stock of a country consisting of plant, machinery, equipments, tools, factory buildings, raw materials etc. Capital has always been regarded as a means of increasing production, in the economy and thereby contributing to the future stream of income to the economy as a whole. The process of capital formation envisages real savings, channelising savings and the act of investment. Insurance service acts as a tool to mobilize savings and indulge in direct investment. Principles of Insurance ) Utmost Good Faith: It means a positive duty to disclose accurately and fully all the facts material to the risk being proposed, whether requested or not. Every circumstance is material whish would influence the judgement of a prudent insurer in fixing the premium or determining to accept the risk. The breach of utmost good faith arises due to misrepresentation or non-disclosure. Insurance is a contract, and each party can examine the item or service, which is the subject matter of the contract. Therefore, the proposer (the one taking the policy) should disclose accurate information as asked by the insurance company, e. . facts relating to age, health, habits, and personal history. If any information is considered to be fraudulent, then the contract is null and void. Und er Sec 45 of the Insurance Act, 1938, the insurance company can cancel a policy up until 2 years, but not after after the policy is signed on the grounds of inaccurate or false statement. 2) Insurable Interest: Insurable interest is the legal right of the insurer, arising out of a financial relationship recognized under law between the insured and the subject matter of insurance. The interest in the subject matter of a contract of insurance provides the insured person with the right to enforce the contract. All risks are not insurable. In order to be insurable, the risk must be capable of financial measurement. Insurable interest is said to exist when the person insuring stands to lose, if the event insured against occurs. E. g. a person has insurable interest in his own life. Husband and wife have an insurable interest in each other. The main objective of insurable interest is to prevent people from wagering or gambling on the lives of the others. An insurance company cannot issue a policy without insurable interest. In case of non-life insurance, the existence of insurable interest is:- a) Ownership of a property or asset like a car, flat, etc. clearly establishes insurable interest in the property. b) An employer has an insurable interest in the employees working with him in good health. c) A bank has an insurable interest in the loyalty and integrity of its cashiers and managers. d) A businessman has an insurable interest in the stock of goods, vehicles, furniture and machinery. e) A vehicle owner has an insurable interest even in an unknown third party, who may be potentially injured in any accident involved with the vehicle. ) Indemnity: The basic purpose of insurance is to compensate loss and not to allow profit from insurance contract. The insurance company pays compensation to the insured party only in case of loss due to some perils. If there is no such loss, no compensation is to be paid. According to the principle of indemnity, the actual loss incurred by the insured party is to be com pensated by the insurance company, as per the terms and conditions laid down in the policy. For this purpose, the insured has to make a claim to the insurance company within a specified period after the occurrence of certain event. The insured party should not make a profit from any insurance contract. The object of insurance is to restore the financial position of the insured. 4) Subrogation: Subrogation means the automatic transfer of rights and remedies of the insured to the insurer upon the insured having received the benefits of insurance. For example, a company has insured a car. If the car meets with an accident which damages the car beyond repair, and the company pays full value of insurance to the person for the car, the company has full right to take away the damaged car. The person has no rights left on the car. The principle of subrogation arises from the basic principle of indemnity. When the insurer indemnifies the insured to the extent to his loss and not more than that, the salvaged property goes towards reducing the loss of the insurer. 5) Contribution: The principle of contribution applies when the insured has taken more than one insurance policy for the same risk from more than one insurance company. In case of loss or damage is incurred and if the insured gets benefits from all the insurance companies, the insured will get more profit than his actual loss. The principle on indemnity will not be followed in such a case and it will be against the law of insurance. Therefore, insurance contracts include the principle of contribution expressly. The principle of contribution works in a manner where each insurer pays only that proportion of the risk, as is represented by proportion off the sum assured to the overall sums assured by the different insurers. Whenever, the principle of contribution applies, the insurers make the insured responsible to file the claims in the correct proportion with the insurers. E. g. , A person takes a policy for Rs. 0000, Rs. 100000, and Rs. 150000 for the same thing. He will claim the insurance in the ration of 1/6, 1/3, and ? respectively. 6)Nature of contract-It is the fundamental principle of insurance required for a valid contract. A contract of insurance comes into existence when therte is an offer or proposal ; acceptance of the same by other. It has to satisfy all essential elements of a simple contract . To insurance contract to be valid one must be competent enough ; with sound mind. Premium is yhe consideration that must be given for the commencement of insurance contract. The object of the contrct should be lawful. 7) Risk must attach-It is essential for a valid contract of insurance. A contract of insurance can be enforced only if the risk is being attached. Premium is the consideration of the risk by the insurance companies. If there is no risk in the subject matter there should be no premium. 8)Mitigation of loss-It is applied in valid insurance contract. In the event of some mishap to the insured property ,the insured must make necessary effort to safeguard his remaining property ; minimize the loss as much as possible. ) Terms of policy- An insurance policy is for a specific period or time often the nature of risk against which insurance is sought determines the period or the life of the policy. a contract of fire insurance is normally for a period of one year. The primary functions of insurance include the following: Provide Protection – The primary function of insurance is to provide protection against future risk, accidents and uncertai nty. Insurance cannot check the happening of the risk, but can certainly provide for the losses of risk. Insurance is actually a protection against economic loss, by sharing the risk with others. Collective bearing of risk – Insurance is a device to share the financial loss of few among many others. Insurance is a mean by which few losses are shared among larger number of people. All the insured contribute the premiums towards a fund and out of which the persons exposed to a particular risk is paid. Assessment of risk – Insurance determines the probable volume of risk by evaluating various factors that give rise to risk. Risk is the basis for determining the premium rate also Provide Certainty – Insurance is a device, which helps to change from uncertainty to certainty. Insurance is device whereby the uncertain risks may be made more certain. The secondary functions of insurance include the following: Prevention of Losses – Insurance cautions individuals and businessmen to adopt suitable device to prevent unfortunate consequences of risk by observing safety instructions; installation of automatic sparkler or alarm systems, etc. Prevention of losses cause lesser payment to the assured by the insurer and this will encourage for more savings by way of premium. Reduced rate of premiums stimulate for more business and better protection to the insured. Small capital to cover larger risks – Insurance relieves the businessmen from security investments, by paying small amount of premium against larger risks and uncertainty. Contributes towards the development of larger industries – Insurance provides development opportunity to those larger industries having more risks in their setting up. Even the financial institutions may be prepared to give credit to sick industrial units which have insured their assets including plant and machinery. The other functions of insurance include the following: Means of savings and investment – Insurance serves as savings and investment, insurance is a compulsory way of savings and it restricts the unnecessary expenses by the insured’s For the purpose of availing income-tax exemptions also, people invest in insurance. Source of earning foreign exchange – Insurance is an international business. The country can earn foreign exchange by way of issue of marine insurance policies and various other ways. Risk Free trade – Insurance promotes exports insurance, which makes the foreign trade risk free with the help of different types of policies under marine insurance cover. IRDA The Insurance Regulatory and Development Authority (IRDA) is a national agency of the Government of India, based in Hyderabad. IRDA is the administrative agency of Government of India for insurance sector supervision and development. It was formed by an act of Indian Parliament known as IRDA Act 1999, which was amended in 2002 to incorporate some emerging requirements. Mission of IRDA as stated in the act is â€Å"to protect the interests of the policyholders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto. As per the section 4 of IRDA Act’ 1999, Insurance Regulatory and Development Authority (IRDA, which was constituted by an act of parliament) specify the composition of Authority. The Authority is a ten member team consisting of (a)  Ã‚  Ã‚   a Chairman; (b)  Ã‚  Ã‚   five whole-time members; (c)  Ã‚  Ã‚   four part-time members, They are all appointed by the government of India. [pic] The law of India has following expectations from IRDA:- 1) To protect the interest of and secure fair treatment to policyholders. ) To bring about speedy and orderly growth of the insurance industry (including annuity and superannuation payments), for the benefit of the common man, and to provide long term funds for accelerating growth of the economy. 3) To set, promote, monitor and enforce high standards of integrity, financial soundness, fair dealing and competence of those it regulates. 4) To ensure that insurance customers receive precise, clear and correct information about products and services and make them aware of their responsibilities and duties in this regard. ) To ensure speedy settlement of genuine claims, to prevent insurance frauds and other malpractices and put in place effective grievance redressal machinery. 6) To promote fairness, transparency and orderly conduct in financial markets dealing with insurance and build a reliable management information system to enfo rce high standards of financial soundness amongst market players. 7) To take action where such standards are inadequate or ineffectively enforced. 8) To bring about optimum amount of self-regulation in day to day working of the industry consistent with the requirements of prudential regulation. Slow Growth Of Insurance Business In India 1) Volatile market The people in India who invest their money in the volatile market of India see the upper layer of the insurance industry and say that one can think positive about this sector, but the index chart showing the recent growth figures are having different story to tell. 2) Security downfall in insurance sector Many in India consider the insurance sector as the secured one but the recent downfall in the premium income of private and public life insurance and eneral insurance companies clears this myth. The figures that came out in the light, regarding the premium income of insurance industry clearly show that Insurance in India is not recession proof. Downfall started from the life insurance sector of India where the major and most trusted companies have not recorded much impressive premium income. 3) Mixed results of growth and downfall of insurance business The insurance industry of India is not only witnessing this decline in life insurance sector but is also looking south with its general insurance biz. The recent data shows the slow negative growth of the general insurance industry in India with both public and private companies giving out mixed results. In the first quarter of the current fiscal where the public sector general insurance companies like United India, New India Assurance and Oriental Insurance have recorded the growth of 14%, 7% and 10% respectively, while PSU National Insurance has resulted in the negative growth of 2%. 4) Low penetration of general insurance The penetration of general insurance in India remains low on account of low consumer preference, largely untapped rural markets and constrained distribution channels, one of the biggest constraints facing the general insurance business is the lack of reach beyond the cities. With the privatization of the Indian insurance sector in 2000, competing among the insurance players has increased manifold ; each insurance player is coming up with innovative channels ; insurance products to meet the needs of different people. Thus, it is clear that the face of life insurance is changing. But with the changes come a host of challenges ; it is only the credible player with a long term vision ; a robust business strategy that will survive. According to the latest figures released by the Insurance Regulatory and Development Authority (IRDA), of the total 22 life insurance companies, only nine companies managed to mop up new business premium, most of them being smaller companies. Among major players, only Reliance Life and SBI Life managed to get more business and witnessed a growth of 6. 88 and 0. 89 per cent respectively. At present there are 22 life insurance companies in India, including the State-run Life Insurance Corporation Swiss Re, the largest reinsurance company, has said that insurance in the emerging markets is expected to grow at a slower pace in 2008 and 2009, but its longer term growth prospects remain positive. In India growth of new business in life insurance fell from 145. 7% in 2006 to 9. 6% in 2007. Annual growth is likely to drop from the 2002 to 2007 levels of 11. 4% in life and 10. 6% in non-life to 7-10% in life and 3-8% in non-life between 2008 and 2013, said the company its latest Sigma report. Growth in the life market slowed from 18% to 14% in 2007. Speaking of private general insurance companies, some big players like Reliance General Insurance and Tata AIG General Insurance have witnessed the negative growth. The other players in the same category like Bajaj Allianz General and ICICI Lombard Insurance have reported the southward growth of 13 and 21 percent respectively in the June quarter. Lack of good insurance advisors. Reasons for Slow Growth 1. Slackness in the economy and the markets has put the brakes on the high speed growth of private life insurance companies. 2. Life insurance companies have slowed down recruitment due to tardy growth in the new business and focus on cost-cutting 3. Ineffective distribution networks 4. Delay in settlement of claims – lengthy procedures 5. Fraud cases : Fraudulent and dishonest claims are a major problem for the insurance industry. An example of life insurance fraud is the John Darwin disappearance case, an ongoing investigation into the faked death of British former teacher and prison officer John Darwin, who turned up alive in December 2007, five years after he was thought to have died in a canoeing accident. Darwin was reported as â€Å"missing† after failing to report to work following a canoeing trip on March 21, 2002. He reappeared on December 1, 2007, claiming to have no memory of the past five years. Reasons for Slow Growth (contd) 1) Poor marketing strategies: India is a developing nation and is new to all these marketing strategies if compared at international standards. Keeping in mind the poor literacy rate of the country, there should be such strategies prepared which not only target the urban areas but also tap and concentrate on the rural areas for basic and vital insurance policies. ) Low consumer awareness: Due to lack of awareness, yet, nearly 80% of Indian population is without life insurance cover while health insurance and non-life insurance continues to be below international standards. And this part of the population is also subject to weak social security and pension systems with hardly any old age income security. This, itself is an indicator that growth pote ntial for insurance sector is immense, however, it is slow, one reason being lack of awareness. In order to spread awareness, the insurance companies should have differences in approach for rural and urban areas as per the lifestyle, literacy of people. For eg : crops insurance, house insurance for people in rural areas and farmers with low sources of income should be made aware of in a less complex manner. 3) Lack of competition: public and private insurance companies more or less offer policies with similar terms and conditions. Hence, differentiation lacks which leads to less competition in the insurance sector. ) Government monopoly: there are private and public insurance companies in the insurance sector. However, the government provides financial aid and encouragement only to its own public institutions. Evidently, the government will only support and favor its own agencies. There is concentration of power and due to this there can’t be an overall and fair development in the insurance sector. 5) Inefficiency in management: there is a lot of scope and potential for growth in the insurance sector if men, material and money are managed in the best manner. All sections of society should be tackled in an organized anner with suitable strategies so that the objectives of insurance are materialized. 6) Liquidity crunch: due to reasons such as recession, liquidity has dried-up in the economy and hence people are hesitant concerning long-term investments such as insurance. Only when the liquidity situation eases, will the people become comfortable with locking in money for insurance as it is a long-term commitment and requires payment at regular intervals on a quarterly or yearly basis. 7) Financial malpractices: due to inefficiency and lack of verification there are financial malpractices. For eg: car insurance, the insurer may claim more than the actual damage of his car and give other causes for the accident when it is probably his fault. Such practices are illegal. FUTURE PROSPECTS OF INSURANCE IN INDIA With a huge population base and large untapped market, insurance Industry is a big opportunity area in India for national as well as Foreign investors. India is the fifth largest life insurance market in the emerging insurance economies globally and is growing at 32-34% Annually. Life insurance market has propelled the Indian life Insurance agents into the ‘top 10 country list’ in terms of Membership to the Million Dollar Round Table (MDRT) — an Exclusive club for the highest performing life insurance Agents. Total life insurance premium in India is projected to grow Rs 1,230,000 Crores by 2010-11. — Total non-life insurance premium is expected to increase at a CAGR of 25% for the period spanning from 2008-09 to 2010-11. A major study on the Indian insurance sector by consultancy firm McKinsey Co says less than a third of the life insurance agents meet minimum raining and sales standards set by their companies. It said the life insurance market could easily double to $100 billion in five years Entitled India Insurance 2012: Fortune Favours the Bold, it estimates that higher per capita income will be the key driver of higher demand for insurance products. By 2012, Indian household will be paying premium of up to Rs 4,100 from the current Rs 1,300 India’s ratio of life insuranc e premium to its GDP is around 4% against 6-9% in the developed world. But, the report claims it could rise to 6. % by 2012, in tandem with the country’s demographic profile By 2012, almost 40% of the urban population is likely to have some form of life insurance cover, while in rural areas too it could touch 35%. Current levels are 30% and 25%, respectively FUTURE PROSPECTS OF INSURANCE IN INDIA (CONTD.. ) Insurance 10 years back in India basically was popular only for Life and to some extent for cover against Fire with only players like LIC,GIC etc. and this was one of the contributing factors for the growth of insurance being slow in India. This scenario changed with the entry of private players in the market. With competition came more innovation which ultimately is benefiting this industry in general. Latest 2 examples of innovations are agricultural/crop insurance and wedding Insurance. Bajaj Allianz Insurance has plans for protection against any losses in wedding preparations. The prospect that Insurance industry in India has a bright future can also be believed as not only big corporate houses like Reliance, Tatas and Birlas have stepped in this sector but also big banks like ICICI, SBI, HDFC are a part of it. This is a very positive indication for this sector with also more foreign players trying to come to India. India has an ever increasing population which just increases more and more market for the insurance industry. With more terror attacks and man made calamities and increasing natural calamities like rain deluge, draught, earthquakes etc. there is an increasing feeling of insecurity which is exactly what this industry thrives on. Hence, Insurance has very bright prospects in India. [pic] How to cite Business Aspects in Banking and Insuarance, Papers

Southern Voting behavior since Essay Example For Students

Southern Voting behavior since Essay Post a comment on this essay Print this essay New Essays | Popular Essays | Submit an Essay Index: Politics Southern Voting behavior since Essay the 1960s Essay submitted by Unknown Voters in many areas of the U.S. are apt to vote differently as a whole from election to election. The nation has also had a decreased turnout rate for the presidential and local elections. The South has typically not followed these patterns that the rest of has seemed to be following. The Southern whites of the U.S. have typically followed and voted for the more conservative candidate and party. Where as the Southern blacks have typically (when they have been able to vote) voted for the more liberal party or candidate. The South was at one time a Democratic stronghold and has in the past 30 years become a typically conservative voting electorate. This tendency of voting by race for the liberal or conservative candidate has been a continuing occurrence. Southern turn out for elections has been significantly lower than the rest of the nation as well over the same time period. This bias of the past 30 years as well as voter turn out has only recently began to change in the South. In the beginning of and prior to the 1960s the South was a Democratic stronghold and it was rare for there to be any competition from Republicans in these non competitive states (Mulcahy p.56). A poll taken in the 1960s showed that the southern states were the obvious stronghold of Democratic identification. The extreme case was Louisiana, where 66% identified with the Democratic party(Black p. 44). This all began to change as the Democratic party became more liberal in its national policy views. The Democrats became too liberal in their policies concerning civil rights for the white Southerners to continue voting for them. (Mulcahy p.40). This reason along with others is what drove the Southern whites to change there voting habits of the last 100 years. The white Southerners began to vote for presidents of the Republican party and for Independents such as the Dixiecrats, because they were more conservative on a national scale. The Largest change of the Southern voters occurred in 1960 when the southern white Protestant presidential vote went Republican(Wayne p62). This would of allowed for the democrats to lose the south if the black electorate had not voted Democrat. The black Southern voters at the time of the 1960s were just again able to participate with their rights to vote. This was because shortly after the Civil War and reconstruction the Southern whites reduced and eventually removed the short lived black political power. They added laws that made it mandatory to take tests for voter eligibility, as well as discouraging black voting at all. This discrimination greatly reduced if not completely halted black voting in the south until the 1950s and 1960s. It was not until 1965 that the Voting Rights Act was passed that prohibited literacy tests for federal elections did blacks obtain their constitutional right to vote (Wayne p.70). Many blacks did in fact support the Republican party for quite a long time because they were known as the party of reconstruction and freeing of the slaves. Black voting turned towards the Democrats in the 1930s and 40s on the advice of One N.A. A.C.P. leader Turn your pictures of Lincoln to the wall, the debt is paid in full(Mulcahy p 37). This black voting for the Democrats created a problem in of its self, that the Blacks were continuing to vote for the local white conservative Democrats, that upheld the traditional Southern white views. This lead to the continued power of the oppressive whites, even though the party platform was one of reform. It was not until the early 70s that when the Republicans won the election for the governor of Virginia was the two party system fully revived in the south (U.S. news p. .uc8b54be17eb1dbc88c6d3544cd47194f , .uc8b54be17eb1dbc88c6d3544cd47194f .postImageUrl , .uc8b54be17eb1dbc88c6d3544cd47194f .centered-text-area { min-height: 80px; position: relative; } .uc8b54be17eb1dbc88c6d3544cd47194f , .uc8b54be17eb1dbc88c6d3544cd47194f:hover , .uc8b54be17eb1dbc88c6d3544cd47194f:visited , .uc8b54be17eb1dbc88c6d3544cd47194f:active { border:0!important; } .uc8b54be17eb1dbc88c6d3544cd47194f .clearfix:after { content: ""; display: table; clear: both; } .uc8b54be17eb1dbc88c6d3544cd47194f { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uc8b54be17eb1dbc88c6d3544cd47194f:active , .uc8b54be17eb1dbc88c6d3544cd47194f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uc8b54be17eb1dbc88c6d3544cd47194f .centered-text-area { width: 100%; position: relative ; } .uc8b54be17eb1dbc88c6d3544cd47194f .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uc8b54be17eb1dbc88c6d3544cd47194f .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uc8b54be17eb1dbc88c6d3544cd47194f .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uc8b54be17eb1dbc88c6d3544cd47194f:hover .ctaButton { background-color: #34495E!important; } .uc8b54be17eb1dbc88c6d3544cd47194f .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uc8b54be17eb1dbc88c6d3544cd47194f .uc8b54be17eb1dbc88c6d3544cd47194f-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uc8b54be17eb1dbc88c6d3544cd47194f:after { content: ""; display: block; clear: both; } READ: To Kill A Mocking Bird By Lee (510 words) Essay 210). This two party system allowed Democrats to run on a more liberal platform, which gave the blacks the representation that they wanted. Voting in the South since the 1960s has followed the pattern of voting for the most staunch conservative, or protector of Southern whites views. .

The Oprah Winfrey Show. Her Show Is Known To Not Only All Over The Uni

"The Oprah Winfrey Show". Her show is known to not only all over the United States, but also known to all around the world. Today she is known as the America's most famous and powerful woman. Every woman in America envies her great fortune and her intelligence. But Oprah insists that she is not special or gifted. She had overcome many hurdles and reached to the top of America's national T.V host. What makes her so popular and most loved entertainer in the United States? Oprah Winfrey, a talk show host, actress, producer and philanthropist, and business woman is the chairwoman of HARPO entertainment in Chicago. She joins the elite company of Lucille Ball and Mary Pickford, as the only woman in T.V and film to own their own production studios. Through HARPO productions, she produces and hosts America's number one popular show, "The Oprah Winfrey show". (Oprah Winfrey talk show bio 1997 p.1) Today many woman in America envies her life; her popularity, intelligence and her great fortunes. Though her success was gained from her hard work and education. She did not have any special background to be a most loved woman in America. She has overcame number of obstacles that most people have encountered in their own lives. She had to deal with poverty, sexual abuse, racism as a child, and her lifelong battle with weight. Oprah Gail Winfrey was born in Kosciusko, Mississippi on January 29, 1954. As a child, she moved to Milwaukee, Wisconsin, then moved back to Nashville. She has lived through poverty, repeated sexual abuse, and a sentence to a juvenile delinquent home. (Hyde 1997 p.57) Oprah was crowned Miss. Black Tennessee at age 19. In 1973. She left Tennessee State University and became a newscaster for WTVF in Nashville. Three years later, Oprah became a news anchor in Baltimore at an ABC station but after 9 months, she was pulled off the air because of an emotional ad-lib delivery. She eventually ended up in Chicago hosting a morning show called "AM Chicago". In less than a year, the show became number one and was expanded to one hour and re-named "The Oprah Winfrey Show". (http://pilot.msu.edu/user/bresnah2/oprahbio.htm 1997 p.1) From there, she has been an actress in the "Color Purple", "The women of Breuster place" and "There are no children here".(Oprah Winfrey) Today, "The Oprah Winfrey Show" is the highest rated talk show in T.V history, and seen by 15 to 20 million viewers a day in the United States and is in 132 countries. Since entering syndication in 1986, "The Oprah Winfrey Show" has remained the number one talk show for 10 consecutive seasons, receiving 25 Emmys. At the end of 1996, Oprah was honored with the most prestigious award in broadcasting, the George Foster Peaboy's Individual Achievement Award. She also received the IRTS Gold Medal Award, and was recognized by Time magazine as one of "America's 25 most influential people of 1996".(Oprah Winfrey talk show bio 1997 p1) According to US news & World Report, Oprah has an ability called "Oprah effect". It is her ability to make a connection with ordinary women and through that connection, she makes herself one of the most popular women (Dickerson 1997 p.10) In spite of her wealth, she has a public's taste. She knows what ordinary women want, whatare their troubles and what they are crazy about. Stuart Fishoff, professor of media psychology at UCLA says, "viewers want to be around someone like themselves. They want a nonthreatning person they can identify with. And Oprah has a lot of same problems that many of these women has and can relate to. Viewers have no trouble envisioning her sitting home at the kitchen table in sweats and no makeup, drinking caffeine and chomping a Danish".(Stanley 1997 p.34) This feeling of closeness is Oprah's strongest point that makes her a billionaire. And to get more close with publics, Oprah picks up a book every six weeks and asks audience to talk about the title. What makes her popular are not only her talent as an entertainer but also her talent as a good announcer. She has all requirements that are necessary for a good announcer. First, she always research and prepare about the topic

Abstruse vs. Obtuse

Abstruse vs. Obtuse Abstruse vs. Obtuse Abstruse vs. Obtuse By Maeve Maddox What’s the difference between abstruse and obtuse? Both are adjectives. Abstruse comes from a Latin word meaning â€Å"concealed, hidden, secret.† In English it means â€Å"difficult to understand.† Remarking on complaints about the apparent meaninglessness of literary prizes, Jennifer Szalai writes, Prizes are awarded to tepid, undemanding best sellers everyone reads; prizes are awarded to obscure, abstruse books no one reads. The NY Times publishes an annual list of â€Å"abstruse words.† The list is compiled from the number of times readers click on a word in order to see a linked definition. Some examples of these â€Å"abstruse† words: antediluvian, peroration, and shibboleth. Obtuse comes from a Latin word meaning â€Å"blunt, dull, stupid.† â€Å"Obtuse angles† in geometry are not stupid; they are blunt. An angle â€Å"greater than 90 degrees and less than 180 degrees† is an obtuse angle. When botanists and zoologists say that something is obtuse, they mean that it is not sharp or pointed. For example, larch trees have cones that are about one inch long and obtuse at their points, i.e., blunt, not pointed, When applied to a person, obtuse means stupid, lacking in perception or understanding. In the movie The Shawshank Redemption, Andy uses the word in reference to the prison warden: Andy: How can you be so obtuse? Warden Norton: What? What did you call me? Andy: Obtuse. Is it deliberate? Sometimes people use obtuse when they mean abstruse. Here are some examples of misuse on a web page that seems to be offering them as examples of correct usage: They provide a very powerful, but also rather obtuse, set of tools for finding particular words or combinations of characters in strings. Obtuse language in such documents actually means? Obtuse lyrics and intricate symbolism. I suppose the writers of these examples could be calling the tools, language, and lyrics stupid, but I think it more likely that the powerful tools present a steep learning curve. If the language in the document leaves the person wondering about its meaning, then the language is difficult to understand. Finally, since the lyrics are being linked with symbolism, the word wanted is probably abstruse. An individual who is obtuse cannot understand. A book or explanation that is abstruse cannot be easily understood. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Misused Words category, check our popular posts, or choose a related post below:Regarding Re:40 Synonyms for â€Å"Different†How to Write a Proposal

Autoclave Essay Example | Topics and Well Written Essays - 500 words

Autoclave - Essay Example The relationship between temperature and pressure is a directly proportional one. In chemistry when the pressure of a gas rises, the temperature of the gas increase correspondingly too. With this principle in mind steam is a gas used in the autoclave chamber. Increasing its pressure in a closed system will lead to increase in temperature. At higher temperatures water molecules of the steam become more invigorated. At this vigorous speed the molecule’s penetration escalates. This principle proves to be advantageous because it reduces the time taken by the things in the autoclave to sterilize (Hussain, 2009). As mentioned above dry heat and moist heat can both provide sterilization but they differ in some manners. Dry heat accounts on oxidizing molecule for its action. Dry heat’s mechanism of action is slower than moist heat. Dry heat penetrates walls of substances much slower than moist heat. Dry heat is used in sterilizing glass products, oils and powders. Due to its slow mechanism of action sterilization by dry heat is done at 171 degrees centigrade for 1 hour and the time may increase depending on volume. Dry heat may also be used in the shape of an open flame used to sterilize inoculating loops, mouths of pipettes and culture tubes. On the other hand moist heat destroys organisms by the denaturing proteins and also by disrupting the membrane of lipids. Moist heat is favored because of its penetration powers. It is known that the most resistant spores require a temperature of 121Â °C for around half an hour to denature. Hence moist heat application is more effective compared to dry heat sterilization. This can also be proven by the fact that moist heat, sterilization can be completed at lower temperatures in lesser time. Culture media, flammable and heat-sensitive items, liquids and dense loads can be sterilized by moist heat (Black,