Policy And Its Effect On Public Services - 4268 Words

Policy and its effect on Public services Economists employed by the government are involved in implementing policies, which were especially established to meet government s objectives that are very often multidimensional. There are four very fundamental objectives for viable economy, including decreasing the unemployment rates in certain regions, lower or stabilise the inflation, constant economic growth and a satisfactory balance of payments position. The UK economy continues to suffer from a number of underlying structural weaknesses. The government is now set on providing the economic framework, which will enhance the opportunity to raise a sustainable rate of economy growth, (Anderton, 2006). Economic growth also known as†¦show more content†¦There are many questions what arise from the topic of the economic growth. For instance, how can nations speed up their economic growth? There are many successful strategies to self-sustained economic growth. According to Keynesian policy prescriptions, long term growt h can be achieved through structural policies such as supply-side policies, which would improve the long term performance of the economy. Supply-side policies emphasize incentives and tax cuts as a means of increasing economic growth. Such policy was espoused by President Reagan in the USA, but also Prime Minister Thatcher in Great Britain, (Nordhaus Samuelson, 2005). Supply-side economists argue, that high taxes lead people to reduce their labour and capital supply. Arthur Laffer has suggested that the high tax rates might actually lower tax revenues, (Nordhaus Samuelson, 2005). This Laffer-curve preposition holds that high tax rates shrink the tax base because they reduce economic activity. However, mainstream, economists doubt the Laffer preposition that cutting tax rates would increase tax revenues, ref. They believed that there s a need for a radical restructuring of the tax system called supply-side tax cut, REF. According to this philosophy, reform should improve incenti ves by lowering marginal tax rates . This would lead to lowering tax burden on high-income individuals, but also encourage productivity and supply

Scenario of the Internal Community Free Essays

A leadership marked by both personal integrity and value-driven vision, it is needless to argue, belongs to one of the most fundamental aspects of a truly effective organization. And as the new principal of a K-6 elementary school, whose composition consists in 450 students, 24 teachers, 15 office personnel and 1 custodian, I would do my best to build a legacy of strong leadership, vision and integrity. To my view, the challenges which the school currently faces all take cue from effective leadership, or its unfortunate lack thereof. We will write a custom essay sample on Scenario of the Internal Community: or any similar topic only for you Order Now If I may correctly surmise, teachers resort to â€Å"power cliques† only when circumstances make room for it; i. e. , when they feel that they can fill up the power vacuum stemming from a system’s the lack of able headship. Just the same, an educational institution begins to suffer from unfriendly atmosphere when a sensible lack of checks and balances within the system is tolerated. Change is therefore a key benchmark at the onset of my assumption of duties. But before making any administrative decision, I shall first circumscribe the nature and scope of the problems at hand, by paying close attention to the concerns of parents, teachers and other members of the community. Come August 1, I shall waste no time in gathering as much pertinent information as possible to figure what is wrong. After briefly introducing myself to the teachers and community, I shall initiate a campus-wide survey that would enable all stakeholders to vent their take on the current school system. The results shall become objects of inquiry during the brainstorming and deliberation of the school’s working vision – an activity which shall be participated in by the entire school’s staff, and shall be held a week before the school year formally commences. During the meeting, I shall be employing a â€Å"non-directive† or â€Å"democratic† approach to the affairs of the deliberation periods. I would empower my staff to brainstorm and deliberate among themselves – under my guidance – the practices that need serious alteration, if only we can work for the greater good of the struggling school community. In this approach, I am borrowing the idea propounded by Jonathan Rix and Kathy Simmons: effective learning institutions, they contend, needs â€Å"to alter† prevalent cultures so as to realign its vision towards maximal learning (2004, p. 67). By August 25, my mission is to communicate the new vision of the institution – collectively discerned, as they were, by the entire school administration and staff – to the parents and custodians concerned and, surely, to the students. On top of such vision, I would also propose the idea of frequent classroom visitations, as well as thorough reviews of all extant instructional objects and learning materials. And since I find inclusivity and involvement as necessary factors for effective learning communities, I shall propose to set convenient but â€Å"non-compromise-able† dates for regular updating, participated in by administrators, parents, students, as well as by some representatives from community organizations. Furthermore, I shall communicate to them the telling importance of mid-year evaluations, by way of school surveys, so as to rectify the seeming lack of checks and balances which the school once suffered from. The rest of the year shall be dedicated to a relentless effort in bringing about concrete fruition to the goals of the institution which has been set for the year. Goal-redefinition, if necessitated, can be accommodated during the mid-year. Critical to this continuing effort is my goal to meet all teachers and staff individually during the year. Personally, I would like to work on concepts that find their concrete correlation with reality. The effort is, obviously, onerous on my part. But I am a firm believe that no great things can be achieved overnight. If I want my educational organization to succeed, I have to undergo the painstaking process of brainstorming and implementing goals, as well as leveling honest reviews in respect its relative success, or lack of it. Running a school entails the continued appreciation of the systems that work, a courage to change what does not work, and the wisdom to know the difference between them. How to cite Scenario of the Internal Community:, Papers

Business Quotations and Insurance Broker

Question: Describe about the Business Quotations and Insurance Broker. Answer: An insurance broker can always stop doing business for any one insurance company of so decided and this can be done by mutual agreement termination. But there may be certain legal implications of such termination of agreement between both broker and insurance company. The broker is a representative of different insurance companies and it acts like an agent of the insurance company but he actually acts as an agent of the insured only although he works for so many insurance companies at a time. The broker gets the remuneration from the insurance company in the form of commission although it acts specifically on behalf of the clients only. The broker is supposed to enter into an agreement or contract to work on behalf of the insurance company. The brokers are an actor on behalf of the client but are paid by the insurance companies even for any type of policy related issues the client will also try to get the resolutions through the said broker. The broker is supposed to do all that an a gent does for the insurance company. He is open to the client in making his decision of choosing the insurance company (Chapter 5 9). (a) New business quotations have been already provided to potential clients and they being valid as within 30 days clause of validity. The insurance company is supposed to respect these valid quotations if any of the recipients is interested to get a new policy done and in that case the new policy will be booked under the brokers code only as the broker has initiated the business. But this new policy will be issued through the brokers office only as the initial discussion was done on the policy by the broker with the said client. Once the contract is terminated the insurance company has the responsibility to inform the third party. Here the quotation placed by the agency will have to be withdrawn by the agency itself. Hence the said client will also be catered to by the broker although the agreement has been terminated mutually by both. But in case the client decides that he is not interested to take the new policy from this insurance company from which the insurance broker has already terminated his agreement. The client may be on knowing this may decide otherwise to have some other insurance companys quotation as the broker is also working for other insurance companies and he can take any policy from any other insurance companies. But in case the client wants to have policy from this insurance company only, the broker will be bound to help the client to get the new policy as per the quotation give to him. (b) Any type of mid-term alterations to the existing policy holders can be done by this insurance company although the brokers agreement has been terminated by both. The policies held by the present and existing clients are valid and are in force hence any changes or alterations or any endorsements can be done in these old policies and in such policies endorsements the brokers engagement is very nominal as the clients will be approaching the insurance company directly or may be if the arrangement be so that they may approach the broker to get the alterations or endorsements done in the policy through the broker. In such cases the broker will and should help out the clients with an idea that he acts on behalf of the clients and not the insurance companies and in future if he caters these clients then they may approach them to make new insurance policies in future from other insurance companies for whom he is still working. The midterm alteration of the policy by the client will have to be informed to the broker. The broker has terminated the agency agreement with the insurance company and therefore the termination factor has to be intimated in due course to the clients by the agency and the insurance company. The client can approach other agency or deal with the alternation issue directly with the insurance company. Any type of alterations is to be required to be done and this does not have any relation with the broker in general as this is a subject matter between the insurance company and the insured only (Chapter 5 9). (c) Policies for which the renewal terms are already accepted by the clients means that the existing clients unaware of the insurance brokers agreement termination with this insurance company have accepted the renewal terms for the existing policies. These policies will remain valid for the next period till renewal or if the client so needs can take up a new policy with the broker but with another insurance company by using the portability facility to make the new policy valid under the broker. The renewal of the policies will have to be dealt in the same manner as in case of alteration of policies. The insurance company has the responsibility inform the insured about the termination of agency contract. The insurance company can ensure the renewal of the policy with the insurance company. The broker is the agent of the insured and not the insurance company hence he may opt to have the relation with the new insurance company through the broker only and will not accept any renewal terms next year or at the time of renewal whichever is earlier (Chapter 5 9). 4 (a) The policy holder have used the property and stayed there during the taking of the policy and at that time he was a resident of that property and was not having any intention to leave the property to stay at any other place. But it is ultimately his property and he can take a decision of staying there or leaving that place and staying elsewhere but letting his friend stay there with his belongings. The owner of the property is staying at a different place with his belongings but his friend is staying at this property along with his belongings and during this stay of the friend with his belongings the property owner did not informed the insurance company. The fire broke out in the meantime when the friend was staying as a tenant. The policy holder has the responsibility to inform about change of occupancy. The insured shall not be negligent. However it would certainly be difficult to prove negligence behaviors. Occupiers Liability Act 1957 clearly suggests that owner cannot deny the p ersonal injury to the person who is using the premises. The insurance company will be liable to pay for the damages. The property owner has raised a claim for the fire damages to his property as well as on the belongings of the friend cum tenant. The insurance is normally done on the basis of the insurable interest on any items of insurance whether it is life or it is any general item. But in the case of the insurable interest there is no need of any insurable interest is declared by Insurance Contracts Act, 1984. Hence the persons are also not to be named in the policy for getting the benefit in case of damages. The legal case of Donoghue v.Stevenson (1932) (b) (i) The insured property owner have not disclosed that he has let out the property to his friend on rent and that is also on unfurnished manner but this is an innocent non-disclosure and this has not affected the policy as a whole as an innocent non-disclosure is acceptable by insurance company and any claim therefore is accepted by them. (ii) The insured property owner has taken up dangerous driving recently but after taking the policy and before the fire broke out in his property. Hence this non-disclosure has not affected the policy at all and this also has no relation with the present situation at all. This disclosure does not affect the policy at all as this is not related to anything to with the combined policy of the house property and its belongings. (Chapters 6 7). (iii) The insured property owner have already raised claim for the property as it is largely damaged by the fire as also its content belonging to the tenant. The policy is not required to name anybody and hence the policy is covering of house property and its belongings and it was not mentioned or by the insurance law it is not mandatory to mention the name of any person hence the belongings of the friend cum tenant will also be paid by the insurance company along with the house property damages. The insurance law is clear from the point of fact that mere disclosure or non disclosure of the interest does not make insurance claim for damage invalid. The disclosure is of two types one innocent and the other fraudulent where the intention is to cheat the insurance company and gain from the policy but here the owner have raised the absolute correct claim without any fraudulent activities or attitude. Here there is no misrepresentation but only non-disclosure of innocence of the property owner although it is not mandatory to mention the name of any person whose belongings are kept in the house property for which the combined insurance policy is taken. The legal case laws can be referred as Smith v. Eric S Bush (1990). This is to be seen by the insurance company if the non-disclosure is having any intention to make gain which out of intentional damage caused to the property in a deliberate manner but if it not so then such non-disclosure is always to fall i the category of innocent type. The case of fraud is extremely critical and this is dealt with very serious importance as this is done to make gain out of taking insurance policy and intentionally damaging property for gain (Chapters 6 7). 5 (a) The insurance policy cover is mainly covering the factory and also third party. The policy if mentions and includes that the rubbish is to be kept at least 15 meters away from the building and this was included as a warranty clause. But the factory owner never bothered to maintain that warranty provisions. Whenever a warranty clause is included then in such cases the property owner needs to take extra precautions to follow such warranty provisions and rules of the policy and hence if such warranty condition is not followed and adhered to then the insurance company can and may decline any claim raised out of any mishap due to violation of the warranty clause. The rubbish stacked beside the factory wall which is as per warranty clauses are to be kept at least 15 meters from the building and the fire took place due to the stack of this rubbish. The rubbish here becomes the main cause of the fire and hence as it violates the warranty clause it can be somehow taken by the insurer that this violation is against the warranty clauses proposed by the insurer. In this case the insurer is at advantage and they can refuse the claim totally as well as they can reduce the claim ad hoc as per their discretion and management. Marks claim may be justified that the warranty covers that rubbish must be kept 15 metres away from the building but it is not mentioned in the warranty if fire takes out of this rubbish then what is the outcome of the policy. Hence this point can become a point of contention between the insurers and Mark both and take the policy resolution to a different effect Napier v. Hunter (1993). (Chapter 8). (b) The reasonable care should have been taken to avoid the injury inflicted on the employer due to fire broken out in the Marks factory. The factory fire borne injury which is also covered by the insurance company and if this was registered in the factory records then the employer would have been compensated properly and in time. But due to negligence in the part of the owner the injury of the employee was not recorded and this employee was laid off after declared medically unfit after two months of the fire broke out in the factory. Reference can be done to legal case of White v. South Yorkshire Police (1999) which justifies that any reasonable care should be taken to avoid any type of damage whatsoever. The damage caused due to fire should have been recorded and informed to the insurance company within the stipulated time to get the claim for the employee. Hence the claim raised by the employee on Mark is justified and valid but Marks claim on the insurance company after two months of the event is not justified as per time clause of the insurance policy if any. The insurance company can refuse to attend the claim due to delay but if so then the owner of the factory is bound to compensate the employee as due to the factory fire only he loses his job and became medically unfit to work. Hence the precautionary measure should always be taken. (c) The stolen goods preservation is having no relation with anyone of the cases above as this neither affects the fire taking place due to rubbish and also it is not affecting the employee getting injured due to fire in the factory and is laid off by factory owner as he became medically unfit after two months of the fire. If the fire would have broken out due to the storage of these stolen goods then the effect would have been justified on both events. Hence in these two cases the effect of stolen goods is absolutely not related and also not present. The stolen goods kept in the factory may be an insurance policy violation but it cannot be proved as the fire did not affect through the stolen goods (Chapter 8). 6 (a) Jack a farmer having two greenhouses and these got damaged due to storm and was totally loss for him and due to this he raised a claims on the insurance company to settle his claim and make his loss good. But the insurance companys loss adjuster have observed that one greenhouse have collapsed due to weakening of the foundation from water seepage on the land from the adjoining neighbors field which was unaware to the farmer and the storm helped in the collapse of one greenhouse. The farmer was not at all aware of the foundations weakness problem due to the water seepage from the neighbors field beside his greenhouse. The farmer has not done anything to deliberately hide from the insurance company for taking the policy. The insurance company in such case has to admit the claim as there is no violations of disclosure as well as breach of contract or neither any fraudulent act. Legal case can be referred as Brotherton v. Aseguradora (2003). The greenhouse collapse due to seeping of wate r in the foundations; which is not exclusion of the specific nature. (b) The farmer was not at all aware that his second greenhouse is under risk due to damage out of defect in design. The other greenhouse was observed by the loss adjuster that its design was defective which was also unaware to the farmer and hence due to that drawback the greenhouse collapsed during the storm. The insurance company in this case needs to respect the claim due to various legal cases where it is judgment is done as that when any material fact was not violated or kept hidden from the insurance company at the time of taking the policy or during the policy running period then in such a case the insurance company cannot deny the insured off his claim. Hence the claim thus lodged by the farmer Jack is valid is supposed to be admitted and paid. Legal case can be referred as the case of Container Transport International Inc. v. Oceanus Mutual Underwriting Association (Bermuda) Ltd (1984). Specific exclusion cannot affect the claim thus lodged by Jack as the specific exclusion does not have any effect on this claim. And this is due to that in such cases specific claims will not have any effect as the case does not fall under the specific exclusion clause. Hence the specific exclusion clause should be more a specific one and not just a vague one as this cannot relate to the exact nature of this claim (Chapter 8). 7: The principal of indemnity assets when there is loss caused by accident to the property. The insured assets shall be put back to the place where it belongs to. This signifies that the insured shall not receive more than the actual amount of loss sustained. This policy of the insurance company is always subject to the term of sum assured. This can be put into much better terms; On the happening of the loss the insurer shall try to put back the insured into same financial position which the insured used to occupy before the loss. This can only happen if the insurance is properly arranged and it is done on the full value of the assets. There are two important terms dealing with such situations. There terms are Under-insurance and restrictive. The insured or the policy holder once sustains the loss; the sum insured is more than actual value of the assets, then the restrictive terms come in to play and the insured will receive only the actual amount of loss. If in case the sum assured is of higher amount than the actual property value, then even the insured will receive the money of actual loss. The principal of indemnity is carried on in the case of Mueller v. Western Union Insurance Co. (1974). The judgment highlighted some parts of contract insurance. According to the judgment the insured will be fully indemnified in case of contract insurance not accidental insurance and life insurance but the insured shall not be more than indemnified (Chapter 11). The selection of sum assured for the insurance company is an important part to indemnify the insured. The proper sum assured is the important part and it is the ceiling within which the indemnity will have to be considered. If it is not a total loss of the property then the insurer will pay proportionate amount which is corresponding the ratio between the sum assured and the actual value. There is no point in terms of the insurance terms to pay for the higher sum assured. The proper valuation of the asset has to be done before choosing the right some assured. Here in this case Mr and Mrs Hughes insured their property from ATK plc, a UK-based insurer. The sum assured of the policy is divided as following; Building: 300,000 General contents: 50,000 Fine art: 17,000 Jewellery: 10,000 Fire totally destroyed the building but some of the assets are recovered. The 10% of the general content has been recovered from the fire. During initiation of the process of indemnify the following things came in front of the insurer; The building was insured at the market price but to reconstruct such building the cost will be around 350,000. According to the insurance term the indemnity amount cannot cross the ceiling of sum assured, despite the building reconstruction cost at 350,000, Mr and Mrs Hughes will be indemnified with the amount of 300,000 as it is the sum assured amount. The value of the general content was 75,000 but the sum assured value is of the general content was 50,000. Mr and Mrs Hughes have been able to save 10% of the general content. Therefore the maximum indemnity amount will be 90% of the sum assured which is 45,000. The market value of the painting was at 12,000 when the asset was destroyed. The sum assured amount of the painting was of 17,000. The indemnity amount here shall not cross the value of actual loss which is the restrictive price below the ceiling of sum assured. Mr and Mrs Hughes will be indemnified with the amount of 12,000. 8:(a) The increasing trend of employers liability insurance (EL) is in rise. Despite the fall in reported number of injuries, the SMEs in UK have increased the level of claim for personal injuries of the employees. It is completely reasonable that the employees can claim for the damages caused in the workplace. Employers liability insurance is compulsory in UK business. The compulsory minimum level of insurance is 5m but most of the insurance companies are offering the insurance at 10m. The workplace need to have an accident book which will be used for recording all incidents. The information has to be recorded accurately. The liability of the employer increases as and when an employee meets with an accident. The safety issues of a workplace have to be taken on record by the insurance company before insuring employers liability insurance (EL). The safety standard of the work place has to be in accordance with the insurance company or else the insurance premium will have to be determined by the insurance company. Each and every employee working in the work place shall have to have duty of care against the other employee. Even an accident is caused by a fellow employee that can be pursued as a claim. The personal injury compensation caused by the negligence of fellow employee then doctrine of Vicarious Liability can be brought against the employer for the negligence (Chapter 12). In order to apply Vicarious Liability the negligence of the employee must be in course of his employment. The negligence of the other employee or self induced conflict and hurt can be compensated if it is proved that it has significant impact on the health of the other employee. In the case Page v. Smith (1996) House of Lords established the fact that the primary victim need only to show personal injury caused by the negligence of other employee. The impact of the injury is foreseeable or not is not deepened on the primary victim. Here in this case the personal injury caused by a fellow employee. If that injury was due to the negligence, then the primary victim shall have to be compensated for the injury. (b) The water damage has been caused by the plumber. The damage is worth of 1,500 to a household policyholder. The loss was not covered by the policy term. The important aspect of the policy term is that it will always be followed by the insurance company. Another important aspect of the case is that the policyholder is in breach of the unoccupancy clause. According to Donoghue v. Stevenson (1932) the damage caused by negligence is covered. The damage cussed by the plumber is not covered under the insurance term. As the insurance company will be bound to follow the terms of insurance, therefore policyholder will not receive the damage worth of 1,500. (C) The fire insurance protects the interest of the building owner. The principal of indemnity in general insurance comes in when the loss was caused by an accident. Accident is the term which cannot be done intentionally but negligence can be the reason for the accident. The insurance company shall have to put back the asset where it belongs to. The insured shall not receive more than the loss it sustained and there is one important term of sum assured also comes into play. The logic of the general insurance is to put back the insured into same financial position as it was before the loss. The valuation aspect is the important part of general insurance. The excess sum assured will not help the insured to claim the higher amount but the valuation of damage will come into play. According to Smith v. Colonial Mutual Fire Insurance Co (1880) two important terms Under-insurance and restrictive comes in case of indemnity. The damage here is caused by the tenant accidentally. The insurance cover is mainly to protect the property against any damage. The unintentional or the accidental damage is covered under fire insurance. Therefore the claim of 250,000 to a landlord whose property was damaged by fire is valid claim (Chapter 12). 9:(a) The importance of the contractual term is important to recognize the liability and the obligation. Here in this case it can be found that the contractual term has the binging to bring it to the attention of the other party. The injury to the party is one important aspect of the contract law. The visitor visiting the area had no such option to see the terms of visiting the place. According to Chapleton v. Barry UDC (1940) claimant can ask to the compensation as he was not been aware of the terms of visiting the place or he neither been made aware of that. Here in this case the car part had sign with a disclaimer notice. There will be no repudiating all liability relating to visiting the place. The obligation of the management or the owner of the premises is to ensure that the place is protected and every visitor is made aware of the situation that can cause injury to the visitor. The role of the owner is not restricted; he has to play an important role in handing the situation. If the visitor is not made aware of the situation, the he will have to pay compensation for the damage. Here in this case there was a caution board in the parking place. The visitor was aware of the risk but still he could not avoid the accident that inflicted damage. The visitor has to be cautious against such risk. The board limits the responsibility of the owner to pay for the damage caused to the visitor. The caution was good enough to aware the visitor about the damage and its obligation. The responsibility of the owner was well shared but the visitor could not help him to save from the accident. Here the damage is caused by the uneven surface and hence visitors have no claim (Chapter 4). (b) Here in this case DEF plc shorted fuel but accidentally an escape of fuel from the tank caused severe damage to the property of neighbor. The tanks were in good shape but still the oil escape has caused damage to the property of the neighbor. This is an important responsibility to be shared by the company. The responsibility comes with the tort part. The company cannot avoid from the payment of compensation. The extra cushion should have been taken by the company to protect the fuel tank. The negligence on the part of the company as it was sure of the quality of the tanks and therefore did not give careful consideration about the tank and the risk involved in escaping oil. The escaping oil has significant impact on the neighbor and that inflicted damage. This is a significant part which needs to be dealt with. The company has to pay for the damage it caused due to negligence. This case is related to the Tort cases. The negligence is important here that is the prime cause of the incident. Occupiers Liability Act 1957 does allow that person may exclude liability caused by the negligence only if it can prove that the exclusion was reasonable. The important aspect of the law is to be followed to understand the relation between the damage and the negligence. According to Smith v. Eric S Bush (1990), the negligence of DEF plc cannot be denied. Therefore it is important establish the damage and the compensation caused by the damage. (c) The food poisoning is has significant liability including the criminal liability. Here in this case DEF plc which is the manufacturer of foods has found out that recent manufactured foods were poisoned. The reason of food poisoning can be tracked to the stock of the foods received from the supplier. There cannot be an exclusion of DEF plc on the ground that the raw material was contaminated or poisoned. Each and every company supplying food or manufacturing food needs to take the extra burden of quality checking. The lab testing of foods and the raw materials are important practice that each and every company shall adopt but it was not applied by the company. The food poising case was registered against the foods prepared and supplied. The need was to ensure that food does not harm citizens. Here due to negligence of the company poisoned food caused great damage. The liability of the company increases significantly and this liability will not be limited to paying of compensation. The duty of care automatically comes to the manufacturer. The testing of the product was important before releasing to the market and even the stock should have been texted before the manufacturer. The responsibility of the quality rests with DEF plc. According to the judgment of McLoughlin v. OBrian, the responsibility of the manufacturer is to ensure the quality of the product to be manufactured or suppli ed. The duty of care shall be there. (Chapter 8 and 11) 10: The duty of care is important aspect of the business. The construction company should have ensured the fact that it can deal with enough responsibility to provide good quality construction. The warehouse was damaged and cracks came in the warehouse. The responsibility of the owner was so significant. The owner insured the property. The insured property if impacted by any damage insurance company shares the responsibility of paying for the damage. Here the damage was caused by the negligence of the builder but the owner of the property will receive the insurance claim as he insured the property and the insurance company saw the quality of construction. The loss caused by the damaged will be indemnified. The principal is motioned in the case of Castellain V. Preston (1883). The judgment highlighted some parts of contract insurance. The duty of care is with the construction company while putting up the structure. The testing of the product was important before releasing to the market and even the stock should have been texted before the manufacturer. The warehouse was built by DFK plc. The cracks in the wall have to be insured. The important aspect of the insurance business is to ensure that loss caused by the damage has to be indemnified. The judgment pointed out the fact that the insured will be fully indemnified in case the property is damaged but important fact of the indemnity is that the insured shall not be indemnified more than the loss. The construction company has its responsibility. The warehouse construction is insured by a UK-based insurer. The need was to ensure that food does not harm citizens. Here due to negligence of the construction company it caused damage to the property. The liability will increase significantly and should not be for paying compensation. The reason for the loss of the assets has to be verified and the loss caused by the negligence of the builder shall not go unnoticed. The damage caused by the crack in the building can be indemnified by the insurance company (Chapter 8, 11 and 12)

Marriott Contemporary Trends and Competitors

Background JW Marriott hotels is owned by Marriot international. Marriot international is a Washington DC based company. In 1927, Willard Marriott started the hotel chainAdvertising We will write a custom report sample on Marriott: Contemporary Trends and Competitors specifically for you for only $16.05 $11/page Learn More (Marriott 6). Key Bridge Marriott is the company’s longest running hotel and it opened its doors in 1959. From there on, it ignited an international growth to include 3,150 properties. In 1992, Marriott cooperation was split into two. The split formed two companies; Host Marriot corp. and Marriot international (Marriott 8). In 1995, Marriott acquired a 49 % controlling stake in Ritz Carlot Hotel (Marriott 13). In 2005, all the rooms in the hotel were given an overhaul. In the same year, the hotel chain marked a milestone as the only hotel that did not offer trans fat foods (Marriott 15). Business performance Marriot hotels and r esorts have continued to perform exemplarily. This is as far as sales and financial performance are concerned. As much as it has a global presence in different markets, it has enhanced its sales activities to reach as many customers as possible. These can be demonstrated from many sales centers it has in different markets (Marriott 23). From its third quarter results as at October 2010, the company posted good financial returns. For instance, total sales revenues increased by 9% to $253 million. Its worldwide system and growth improved considerably by 8.2% (Marriott 7).in addition, the chain of hotels also realized a net income of $ 83 million.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More This net income represented a 56 % rise in income in comparison with the results of the previous year. In addition, the company has a wide array of hotels under construction. The company’s stron g cash flow has enabled it to reduce its debts ahead of schedule. Its total revenues were $2.6 billion (Marriott 21). Strategy In order to remain competitive in the market, the chain of hotels has sought to integrate an inimitable brand strategy. On the other hand, it should be known that the hotel business was not a glimmer in the eyes of the company owner. Marriot believes that its job is to make sure that customers have the best possible experience. By doing this, the company knows very well that its customers come from different backgrounds, culture, religion and tradition (Marriott 19). The execution of the brand strategy begins with one branch of the hotel and then later on, it is replicated to the others. This is because customer satisfaction relates in one way or the other with overall business performance (Marriott 7). The company employs global diversity and inclusion as a way of thriving in the market place. This is done by laying more emphasis on customers, suppliers, ow ners, workforce and recognition. Its current business strategy is also built on strategic alliances with other like minded business partners. This strategy has encompassed various cultural competencies to build upon its success. In addition, the company believes in working with locally owned businesses. This is more so in relation to different communities. By doing this, the company believes that it will be a win for the business and the community (Okumas12). Competitor analysis Porter 5 forces Marriot Hotel has been a good shaper of the market because it has focused on operational and tactical execution. Industry mapping is a powerful tool that can help give a good strategic view of the competitive terrain (Harris 8). This is in relation to porters’ five forces as a framework that helps in business strategy development and industry analysis. Advertising We will write a custom report sample on Marriott: Contemporary Trends and Competitors specifically for you f or only $16.05 $11/page Learn More Source: Porter 2008 The hospitality industry has continued to attract a lot of new entrants’ because of its growth potential and high returns (Hassanien et al 13). Although this are expected in a normal business environment, the company has focused on continually renewing its business for success. On the other hand, there is a more intensified bargaining power from customers. This is because they are more enlightened about products and this has been enhanced by availability of information (Hax and Majluf 8). The company has survived this by enhancing brand recognition and customer satisfaction. Because of diversity and competition, there is a lot of competitive rivalry within the hospitality industry (Hubbard et al 11). This can be explained from the urge to expand and attract more customers. Marriot hotels has employed franchising as a way of reaching new markets instead of investing in real estate which is very costly. Compe titive rivalry has also forced it to enhance brand recognition and customers experience as a way of retaining customers. Bargaining power of suppliers is another force that businesses in the hospitality industry have to cope up with. Because of its global presence, the company has operations in different markets. As a matter of fact, it works with locally owned businesses and suppliers by making them part of the group. This is where they are given preference to contracts in areas the company has operations (Marriott 27). Because of intensified competition in the market, there is also a high threat of substitute products (Hubbard et al 2008, p. 24). Marriot hotels has employed innovative brand strategies as a way of ensuring that its products are not made irrelevant in the market by substitute products.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The company encourages multiplication of talents as a way that it can use to build its products and brands and in the process ensure that its products are not threatened by substitute products (Marriott 29). Key success factors The company has transformed the hotel business in a number of ways. This has been done by delivering quality service to customers and guaranteeing high returns for shareholders. It has demonstrated a high ability to combine creativity and discipline. This seems to be the hallmark of any high performing company or business in the hospitality industry (Spears 4). In other words, it can be said that the company has shaped the market well to advance its operations. Just to show how successful the company is, its share price has been stable in recent years. This can be explained form the graph below. Industry lifecycle The hospitality industry has a very unique lifecycle. Products and services move through various stages. These include creation, growth, maturity and decline. Creation is where products are introduced in the market to be judged by customers. Marriott hotels has been coming up with innovative products to serve the market well. Growth on the other hand is marked by an increase in sales of the new product that the company has introduced. This can be an increase in hotel bookings or growth of restaurants in terms of customers served. Maturity is characterized by the stabilization of the hotels size and products. This can be in terms of employees or on the other hand stabilized sales. During this stage, companies are able to create a cash cow and in the process stabilize their operations. Decline will later be seen when the organization starts to shrink in size. In this stage, efforts to rejuvenate the company and enhance its operations may fail. As a matter of fact, companies in the hospitality industry need to be creative and come up with new products after doing extensive market research. Competitor Mapping Competitor analysis in the hospitality industry is more concerned with an assessment of weaknesses and strengths of potential and current competitors in the market and industry (Porter 17). In this way, through a strategic defensive and offensive approach, it should be able to come up with threats and opportunities (Lewis 13). The company has continued to thrive because of good strategic decisions and moves. All along, the company has combined a unique brand strategy as its success factor. On they other hand, it has focused on employee training and retention. By focusing on other elements of performance anatomy, the company has created a good cooperate culture to enhance a winning mindset (Carpenter and Sanders 19). This has in the long run pervaded the organizational framework and helped Marriot achieve a spectacular performance. In addition, it has also built a large portfolio of brands that have ended up providing a variety of lodging and hotel options to diverse and distinct customers. Its existing service oriented cooperate culture can also be said to be behind the company’s success. On the other hand, the company has put in place a good brand management initiative (Hunger 21). High performance businesses in the hospitality industry manage talent well and ensure that hiring is for the fit rather than skills (Hubbard et al 24). By giving the whole process of franchising and management of hotels, this has enabled the company to remain competitive in the market and thereby enhance its sustainability. As much as hotel management and franchising have been well done, the company has forgotten to offer increasingly deep discounts to attract a large number of customers. Because the market is getting saturated, the company has forgotten to build new full service hotels. Position-evaluate The company is currently franchising 50 to 60% of its hotel properties (Marriott 32). There is an improvement in the hospitality industry business climate. On the other hand, pricing has posit ively improved and this means that the company will continue getting good revenues (Lewis 16). It is also evident that the company has continually out performed its competitors in the hospitality industry. This is in relation to key benchmarks like total returns to shareholders. Source: Marriott 2010 It therefore implies that the company has a great outlook and performance. This can be explained from the profits that it has continued to return as years go by. For instance, in the third quarter results of 2010, the company recorded increased earnings before taxes and expenses of $220 million (Marriott 45). Although other competitors in the market are also performing well, the company seems to be ahead in terms of the general long term performance which is good in any industry and more so the hospitality industry. On the other hand, the company is engaged in a massive expansion plan that seeks to increase its chains and market presence. Most of its hotels that are expected to open ar e either under construction or are undergoing massive rebranding to increase its foothold in the market. Currently, it is estimated that the company has close to 3,500 properties in 70 countries which explains its dominance as a hospitality firm (Marriott 53). To ensure that it returns to the society well, the company has a good cooperate social responsibility program (Lewia 21). This can also be explained from the environmental award it received after being ranked position 42 as one of the greenest companies on the planet (Marriott 32). The company is currently a market leader in lodging development and operational excellence. In 2008, the company was one of the top hospitality firms in travels and leisure according to the Ceres Investor coalition awards (Marriott 39). The company can also pride itself as one of the companies with a high customer loyalty because of the returns it recorded even during the global financial crisis that greatly affected the hospitality industry (Spears 13). Generally, the company is in a great position to expand its business and grow further based on good strategies it has continued to employ for sustainability. Trends There is a big tension between expanding market boundaries and this will force the company to manage such through innovative brand strategies (Johnson and. Scholes 21). This will also force them to focus on operational and tactical execution to continue shaping the hospitality industry. Market trends are always changing and demanding that companies become more innovative and attentive to continue being competitive (Hassanien et al 27). This will therefore force the company to improve the quality and speed of decision making. On the other hand, they are supposed to master the speed of change and innovation as it deserves special attention by all players in the hospitality industry for efficiency (Hunger 25). The macro and task environments are moving towards an era where companies need to view information technology as an asset (Okumas 29). This will force the company to view information technology as part of its business strategy (Spears19). Global marketing trends are changing as people and companies use information technology to advance their interests. This means that the company will be forced to invest in information technology. Consumers are more enlightened and knowledgeable about products that the market offers (Hubbard et al 32). This is because there is a lot of information about companies and their products. To be on the safe side, the company needs to invest in research and development to know what customers will demand at a given time and devise the best method to serve them. Conclusion Marriott has continued to be successful because it uses a selective scorecard. The company has continually used data to support decision making and also on the other hand measure success (Marriott 42). For instance, the company has always stood out in terms of employee engagement, brand recognitio n and customer satisfaction. The company has also embraced IT to enhance innovation. This can be explained from the fact that it was one of the first companies to develop an inventory management system (Marriott 53). In addition, the chain of hotels is not afraid to embrace change in its operations in a bid to enhance its competitive edge in the market. Works Cited Carpenter, Andrew and Sanders, Gerald. Strategic Management: A Dynamic  Perspective, Concepts and Cases. Australia: Pearson, 2010. Print. Harris, Peter. Accounting and Finance for the International Hospitality Industry.  Oxford; Boston: Butterworth-Heinemann, 1995. Print. Hassanien, Ahmed, Dale Crispin and Clarke, Allan. Hospitality Business Development.  Oxford: Boston: Butterworth-Heinemann, 2010. Print. Hax, Arnoldo and Majluf, Nicolas. The Strategy Concept and Process: a pragmatic  approach. Upper Saddle River, N.J: Prentice Hall, 1996. Print. Hubbard, Graham, Rice, John and Beamish, Paul. Strategic Management Thinking,  Analysis, Action. Sydney: Pearson, 2008. Print. Hunger, David. 2005. Strategic Management: Concepts. Upper Saddle River, NJ, Prentice Hall, 2005. Print. Johnson, Gerry, Scholes, Kevan and Whittington, Richard. Exploring Corporate  Strategy. Harlow: Prentice Hall, 2005. Print. Lewis, Robert.1998. Cases in Hospitality Strategy and Policy. New York: John Wiley Sons, 1998. Print. Marriott., 2010. Marriott International Reports Third Quarter 2010 Results. Web. Okumas, Fevzi, Altinay, Levent and Chathoth, Prakash. Strategic Management for  Hospitality and Tourism. Boston: Butterworth-Heinemann, 2010. Print. Porter, Michael. The Five Competitive Forces That Shape Strategy. USA: Harvard, 2008. Print. Spears, Marian. Foodservice Organizations: A Managerial and System Approach. New Jersey: Prentice Hall, 2003. Print. This report on Marriott: Contemporary Trends and Competitors was written and submitted by user Celia Simmons to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Stellers Sea Cow - Facts and Figures

Stellers Sea Cow - Facts and Figures Name: Stellers Sea Cow; also known as Hydrodamalis Habitat: Shores of the northern Pacific Historical Epoch: Pleistocene-Modern (2 million-200 years ago) Size and Weight: About 25-30 feet long and 8-10 tons Diet: Seaweed Distinguishing Characteristics: Enormous size; small, flexible head About Stellers Sea Cow Although its much less well known than the Dodo Bird or the Giant Moa, Stellers Sea Cow (genus name Hydrodamalis) shared the unfortunate fate of these famous birds. Widespread across the northern Pacific Ocean for hundreds of thousands of years, by the mid-18th century this giant, 10-ton ancestor of modern dugongs and manatees was restricted to the obscure Commander Islands. There, in 1741, a population of a thousand or so survivors was studied by the early naturalist Georg Wilhelm Steller, who remarked on this megafauna mammals tame disposition, undersized head perched on an oversized body, and exclusive diet of kelp (a type of seaweed). You can probably guess what happened next. As soon as word of Stellers Sea Cow got out, various sailors, hunters and traders made it a point to stop over at the Commander Islands and bag themselves a few of these gentle beasts, which were valued for their fur, their meat, and most of all their whale-like oil, which could be used to fuel lamps. Within three decades, Stellers Sea Cow had breathed its last; fortunately, though, Steller himself bequeathed his studies of live specimens on future generations of paleontologists. (Its important to realize that Stellers Sea Cow had been on the decline for tens of thousands of years before Europeans arrived on the scene; according to one theory, early human settlers of the Pacific Basin overhunted sea otters, thus allowing the unchecked proliferation of sea urchins, which feasted on the same kelp as Hydrodamalis!) By the way, it may yet be possible for scientists to resurrect Stellers Sea Cow by harvesting scraps of its fossil DNA, under a controversial research program known as de-extinction.

Costs and Benefits of US Government Regulations

Costs and Benefits of US Government Regulations Do federal regulations – the often controversial rules enacted by federal agencies to implement and enforce the laws passed by Congress cost taxpayers more than they are worth? Answers to that question can be found in a first-ever draft report on the costs and benefits of federal regulations released in 2004 by the White House Office of Management and Budget (OMB). Indeed, federal regulations often have more impact on the lives of Americans than the laws passed by Congress. Federal regulations far outnumber laws passed by Congress. For example, Congress passed 65 significant bills laws in 2013. By comparison, the federal regulatory agencies typically enact more than 3,500 regulations every year or about nine per day. The Costs of Federal Regulations The added expenses of complying with federal regulations born by business and industries have a significant impact on the U.S. economy. According to the U.S. Chambers of Commerce, complying with federal regulations costs U.S. businesses over $46 billion a year. Of course, businesses pass their costs of complying with federal regulations on to consumers. In 2012, the Chambers of Commerce estimated that the total cost for Americans to comply with federal regulations reached $1.806 trillion, or more than the gross domestic products of Canada or Mexico. At the same time, however, federal regulations have quantifiable benefits to the American people. That’s where the OMB’s analysis comes in. More detailed information helps consumers make intelligent choices on the products they purchase. By that same token, knowing more about the benefits and costs of federal regulations helps policymakers promote smarter regulations, said Dr. John D. Graham, director of the OMB’s Office of Information and Regulatory Affairs. Benefits Far Exceed Costs, Says OMB The OMB’s draft report estimated that major federal regulations provide benefits of from $135 billion to $218 billion annually while costing taxpayers between $38 billion and $44 billion. Federal regulations enforcing the EPAs clean air and water laws accounted for the majority of the regulatory benefits to the public estimated over the last decade. Clean water regulations accounted for benefits of up to $8 billion at a cost of $2.4 to $2.9 billion. Clean air regulations provided up to $163 billion in benefits  while costing taxpayers only about $21 billion. Costs and benefits of some other major federal regulatory programs included: Energy: Energy Efficiency and Renewable EnergyBenefits: $4.7 billionCosts: $2.4 billion Health Human Services: Food and Drug AdministrationBenefits: $2 to $4.5 billionCosts: $482 to $651 million Labor: Occupational Safety and Health Administration (OSHA)Benefits: $1.8 to $4.2 billionCosts: $1 billion National Highway Traffic Safety Administration (NTSHA)Benefits: $4.3 to $7.6 billionCosts: $2.7 to $5.2 billion EPA: Clean Air RegulationsBenefits: $106 to $163 billionCosts: $18.3 to $20.9 billion EPA Clean Water RegulationsBenefits: $891 million to $8.1 billionCosts: $2.4 to $2.9 billion The draft report contains detailed cost and benefit figures on dozens of major federal regulatory programs, as well as the criteria used in making the estimates. OMB Recommends Agencies Consider Costs of Regulations Also in the report, OMB encouraged all federal regulatory agencies to improve their cost-benefit estimation techniques and to carefully consider costs and benefits to taxpayers when creating new rules and regulations. Specifically, OMB called on regulatory agencies to expand use of cost-effectiveness methods as well as benefit-cost methods in regulatory analysis; to report estimates using several discount rates in regulatory analysis; and to employ formal probability analysis of benefits and costs for rules based on uncertain science that will have more than a $1 billion-dollar impact on the economy. Agencies Must Prove Need for New Regulations The report also reminded regulatory agencies they must prove that a need exists for the regulations they create. When creating a new regulation, OMB advised, Each agency shall identify the problem that it intends to address (including, where applicable, the failures of private markets or public institutions that warrant new agency action) as well as assess the significance of that problem. Trump Trims Federal Regulations Since taking office in January 2017, President Donald Trump has carried through on his campaign promise to cut the number of federal regulations. On January 30, 2017, he issued an executive order entitled â€Å"Reducing Regulation and Controlling Regulatory Costs† directing the federal agencies to repeal two existing regulations for every new regulation and to do so in such a way that the total cost of regulations does not increase. According to an update status report on Trump’s order from the OMB, the agencies are far exceeding the two-for-one and regulatory cap requirements, having achieved a 22-1 ratio during the first eight months of FY 2017. Overall, notes the OMB, the agencies had cut 67 regulations while adding only 3 â€Å"significant† ones. By August 2017, Congress had exercised the Congressional Review Act to eliminate 47 regulations issued by President Barack Obama. In addition, the agencies had voluntarily withdrawn over 1,500 of Obama’s regulations that were under consideration but not yet finalized. Under Trump, the agencies have generally been more reluctant to propose new regulations. Finally, to help business and industry deal with existing regulations, Trump issued the Streamlining Permitting and Reducing Regulatory Burdens for Domestic Manufacturing on January 24, 2017. This order directs the agencies to expedite federal environmental review approval of bridge, pipeline, transportation, telecommunications and other infrastructure improvement projects.

Customer Relationship Management Essay Example | Topics and Well Written Essays - 1000 words

Customer Relationship Management - Essay Example According to the research findings over the years many things have changed and now a great deal of emphasis is laid on the importance of customers to a company. Marketing tactics have evolved from mass marketing and advertising to target or niche marketing where preferences of each customer are given equal importance. In all this, customers have benefitted tremendously, now special attention is being given to their needs and according to that business strategies are designed. The customer making a purchase has two options, either he can make a direct purchase from the manufacturer itself – use one channel, or opt for multiple channels where he can buy the same product but here this product would have passed through several channels before reaching the intended customer. It has been observed that customers choosing multiple channels are more valuable to a company as compared to those opting for a single channel. This is because shopping is made a very convenient experience for them; they can buy products online from the web or even book their orders on the phone instead of making the trip to the store. In addition, in case they want to track the delivery of their products, this can be done easily either on phone or online by using the tracking code usually provided by the couriers. They are given many payment methods to choose from depending on whichever is the most feasible for them. They can make payment with cash on delivery, issue a cheque or even use their credit card. Hence, at each stage they are being facilitated and so the customer would remember the ease with which they shopped and would return repeatedly for the same service. Customers overall prefer systems which make processes simple, fast and reliable for them and multiple channels guarantee all of that with their expeditious service. Nordstrom is a famous US retailer with 225 stores located nationwide. Being in the business for more than a century, Nordstrom realizes the importance of its c ustomers and knows how vital it is to provide customers with complete ease and best deals, hence, offering customers a comfortable buying experience with the use of its multiple channels network. In order to measure the effectiveness of customer relationship

The Sorrow and the Pity film by Marcel Ophuls Movie Review

The Sorrow and the Pity film by Marcel Ophuls - Movie Review Example The Sorrow and the pity documentary is based on view that during the World War II, France was the only state which collaborated and de Gaulle's Free French in UK were in the awkward situation as government of France was not in a state of exile. The strongest point of the movie is that it shows reality and the idea was completely innovative to show the interviews of the people who actually were present at the time of such a chaos and destruction. The real stories are described in the film. The Sorrow and the Pity movie include the interviews of the French and German who played a major or minor part in the war. The idea behind the movie was to bring in front the truth about the collaboration of France with Nazis. The documentary, which is more than four hours long was shot in Clermont Ferrand, a town in France. Marcel Ophulus view about the movie is that those who have not undergone the pain, damage and grief of occupying power can never know how it feels so they have no right to judge a nation that endured the horrors and terror of the war. The fundamental point of the movie is the forbearance and complacent of the people under the control of another power in their state. The Sorrow and the Pity is one of the greatest documentary ever made. The film is based on the World War II, the destructions caused by the war and the people affected by the war. The movie was about the physical and social division of France. The Germans with their war weapons and machined easily conquered the France and it was not shown that it's any of a big deal for the Nazi Germans to have a control over France. As shown in the movie the basic concern of the people under the war was to have food for them to eat. The movie has two parts. First part is about the conquest and collaboration of France and is called "The Collapse". This part consists of the attack of Nazi Germans and the quick surrender of the French, whereas the second part is known as "The Choice" which inquires about the practical dilemma of power of resisting. This part was actually to reveal the truth about the resistance or cooperation of French with Nazi Germans. It also reveals the consequences of the Collaboration. The movie first stirred great controversy when it was released . The people of France were reluctant to admit that France was one of the many states who could actually collaborate with the victorious country, Germany. The French television was not willing to broadcast it and it stirred a huge controversy. So the movie was shown at the cinema where it emerged as a great success, (Holm, D. K 2005). The Sorrow and the pity movie is all about the life in France during the period of the World War II and the Nazi Occupation. It includes the interviews of the people who were involved directly or indirectly in this play. It is a daring step taken by the director to make an objective evaluation of the perplexing situation in the history of France. The documentary is close to reality which reflects the real life situation about what actually happened to the people who lived during the war and what difficulties they faced. The interviews were conducted from the Government officials, politicians, artists, farmers, veterans, forces and common people who could speak about the war

Racism & Ethnic Identity Essay Example for Free

Racism Ethnic Identity Essay Race is evidently an important aspect in our Australian society today. It is personified in the biological makeup of an individual. Individuals of different racial background differ in physical appearance such as skin color, and facial features making DNA and genes the only cause behind these dissimilarities. Many races have been introduced into this nation since decades and slowly have been recognized such as the Caucasian race and the Asian race. Ethnicity while slightly related to race is based upon a persons cultural and social expression within an ethnic group; this entails for instance that although one may be of a Caucasian descent born and raised in Australia they also may acquire an ethnic background from Greece and follow the Greek traditions and customs thus making them of Australian-Greek nationality. This paper will recount the different races which exist in Australia as well as some popular ethnic backgrounds which this country has become familiar with whilst narrating and analyzing a number of issues facing ethnicity and race in our society today. The first issue facing ethnicity is the fact which promptly makes individuals assume that other persons of an ethnic descent are liable for criminal omissions. It is often simple for people to identify ethnic members when a crime is involved as it is much easier to classify these individuals due to their distinct physical appearance. Conflict is a natural phase during times of change, however the next issue points out that it can become violent when that particular change is not managed properly and in a just way; such as inequality of the distribution of power which could lead different sections of society against each other and form their own ethnic groups to compete for power in retaliation. Therefore conflict is likely to occur when communication between ethnic, religious or cultural groups deteriorates or breaks down resulting in more conflict and problematic situations. The third issue causing a stir in todays society is racism or racial discrimination. It is evident that immigrants have been disadvantaged in the work force as well as social welfare simply because of their racial background; the law has developed remarkably over time to protect individuals against racism of any kind. This report will set the main argument of why this has become an integral part for our society with respect to social analysis.

Love in Molières play, Tartuffe, John Donne’s Canonization, and Crashaws On the Wounds of Our Cru :: Comparison Compare Contrast Essays

Love in Molià ¨re's play, Tartuffe, John Donne’s Canonization, and Crashaw's On the Wounds of Our Crucified Lord Other than being examples of some of the best literature of the seventeenth century, the three works listed in the title of this essay don't seem to fit very well together. Or do they maybe after all. Creativity consists of connecting things that don't always seem to be related. All three of these works of literature deal with the various aspects of love--both human and divine. Earlier this semester I read about the Italian poet, Petrarch, whose sonnets followed certain romantic conventions as he recounted his unrequited love for Laura. In his poem, "Canonization," John Donne seems, at first glance, to be making fun of himself according to the conventions of courtly love. The poet is upset with an imaginary opponent. In the first stanza he tells him, "For God's sake, let me love in peace! Go about your own business." Then in the second stanza he admits that his love can't compare with the love of a poet whose tears are sufficient to sink a ship, whose heated passion brings a fever as fatal as the black death. So the tone appears to be wry amusement, self mockery. Thus we are surprised when the poem takes a more serious turn. This light-hearted tone tricks us as readers; we seem to be identified with Donne's imaginary foe--we who go about the business of life concerned with such mundane matters as crop failures, plagues, wars and lawsuits, work study, pizza parties, Reason and Romanticism tests. The poet challenges us: "Go ahead! Call us flies" if that's what you think we are. The fly during the Renaissance symbolized shortness of life, human mortality, or lust itself--uncontrolled sexuality. Taper is another word for candle; a candle also reminds us of the brevity of life--of lust like fire that represents sexual desire and destruction. Finally, the word "die" had sexual overtones in the Renaissance; it was used to refer to orgasm sometimes called the "little death." People thought that sexual activity drained away one's vital forces, shortened one's life. The eagle and the dove image provide a natural transition to the phoenix, that mythical bird that is reborn from ashes. They also represent traditional symbols of masculine strength and activity and of feminine sweetness and passivity. We see how opposites are brought together in love. While the fly and the candle suggest physical love the reference to the three birds brings together opposites into a complimentary whole--"we find in us" two very different kinds of birds and the Phoenix of us one: "by us, we two being one, are it.

Evaluation of Gender Inequality Essay

Charlotte Brontà « wrote in Jane Eyre, â€Å"I am no bird; and no net ensnares me: I am a free human being with an independent will.† No visible net ensnares womankind. However, long have women been viewed and treated as unequal to their male counterparts. This inequality is alive everywhere. As displayed in Of Mice and Men, gender inequality is alive even in fiction. Gender equality has been an ongoing struggle in fiction and reality, our country and foreign countries, and in the past and the present. Gender inequality effects the people of the entire world. For example, there are major issues involving gender in Egypt. In Egypt, there are the sparks of movements trying to introduce women into government without challenging the reigning Brotherhood. Another place that struggles with gender inequality is the U.S. where women representation in government is very low. Only 17 out of 100 senate seats are held by women. Even in the U.S., one of the most highly regarded nations in the world, women are not entirely equal. Gender inequality has effected people all through time. In example, it wasn’t until the 1920’s that women could vote in the U.S. Women have long been considered less than their male counterparts. Only recently have women put a dent in the extreme patriarchy that has existed all through history. Today, women still are of unequal representation, pay, and rights across the globe. For example, in the U.S. today, there is an average pay gap of 77% (as of 2009). This means women earn 77 cents to a man’s dollar as pay for the same positions. This is one example of how inequality lingers in modern day first world countries. Gender inequality is also existent in both reality and fiction. We have already given many examples of real cases and statistics including representation and wage gaps. However, there is also gender inequality in the fictional world. For example, in Of Mice and Men, Curly’s wife is a prime example of gender struggles. She is constantly being marginalized. Sheis viewed as a thing that would get Lennie in trouble instead of an actual person. Even her name is never spoken. She is referred to as â€Å"Curly’s wife† which reaffirms Curly’s ownership over her and her status as a possession or an object instead of a human being. When her dead body is found, the first and only comment made of her death was along the lines of, â€Å"Poor boy.† Curly’s wife’s death was seen as nothing but something unfortunate for Lennie. This contributes to the pile of evidence that can conclude that Curly’s wife was considered a mere object. Through time, in foreign countries, and even in between pages, gender inequality has been a constant struggle. Charlotte Bronte wrote that she, a woman, is no bird. A woman, after having a net thrown on her and her fellows time and time again, must decide to declare that they are not a bird, but a human being. Human beings aren’t to be ensnared. It is said that the first step of fixing a problem is the recognition that it exists. So, women must understand that the net encompassing them is not a blanket, but a prison. Together, womankind must stand and declare, â€Å"We are not birds.† Hopefully, these examples of gender inequality is bringing more attention to the â€Å"net.† Hopefully, the realization will dawn that gender inequality is thriving among us and will not die out on its own. It has existed everywhere, always. A mighty effort is to be made to begin the reversal of this inequality and injustice.

Is friar Lawrence to blame Essay

Friar Lawrence is the local Roman Catholic priest who is also an apothecary. He is the confident of both Romeo and Juliet and plays an important role in the fate of both. He is more than aware of the family’s feuding and seems to be well thought of by everybody. Romeo respects Friar Lawrence very much and sees him as a father figure. When Romeo feels suicidal when he has just been banished from Verona, the Friar tells him to straighten up. `This is dear mercy, and thou seest it not. ` When Romeo confesses that he wants to marry Juliet, Friar Lawrence teases Romeo about how fickle in love he is. `Is Rosaline, that thou didst love so dear, So soon forsaken? ` But in spite of this he still agrees to marry the young couple as he hopes it will end the family’s feuding. `For this alliance may so happy prove, To turn your households’ rancour to pure love. ` He only agreed to it because he had their best interests at heart. I don’t think he is to blame for marrying them as he did what he thought was right. And even if Friar Lawrence hadn’t married them, who’s to say that another Friar wouldn’t have married them? Romeo and Juliet both feel as if they can turn to him when they are in trouble. We see this when Romeo has been banished, because he stabbed Tybalt and Juliet has been told that she must marry Paris. Romeo doesn’t seem as if he is very close to either of his parents but Juliet usually has her nurse to turn to, but even the nurse, in the end the nurse rejects her too. `I think it best u married with the county. ` So in desperation each one goes to Friar Lawrence for help. Romeo is helped by being giving him a hide out in Mantua until Juliet can meet him. Juliet, being ordered to marry Paris, has gone to Friar Lawrence in desperation and has asked for help. First of all the Friar has to help Romeo escape. He allows Romeo to spend one night with Juliet, but before dawn he must leave. It is at this time that Juliet has been told to marry Paris. So she goes to the Friar. Friar Lawrence then devises a plan that will ensure Juliet and Romeo’s happiness. In some ways this shows us the Friars cunning, we are also shown that he is quite a smart man. We know that the friar is also an apothecary, so he gives Juliet a potion, which will make Juliet look as if she is dead. When she is taken to the family tomb, the friar will wait until she awakens, and by which time Romeo will hopefully already be there and take Juliet away. While devising this plan he still has the families’ interests at heart. He is only doing this in the hope that the two families, Montague and Capulet will reconcile. Although it could be argued, that he only helped them because he wanted to save himself. I personally don’t think so. I think he would have known that he would have had to `cover his tracks` before he married the couple. He seems like a prudent man, one that will think things through; he would never have married them and helped them elope for selfish reasons. But the Friar did deceive both the Capulet and Montague parents. And although this was wrong, it was also, in my opinion justified. I think this because he didn’t really have much choice. If he had wanted to succeed with his plan then they would have had to be kept in the dark, there was no other way round it. If they had been told, neither parent would have agreed to let their child associate with the child of the enemy. Priests do have the best interests of their parishes at heart and they do not lie and deceive people needlessly, but I think in this case it was allowed. Even though everything didn’t turn out the way it should have, it achieved the one thing the Friar wanted: peace between the families. And although the price paid was very high, almost too high, the motivation was honourable he genuinely didn’t act selfishly. I think everyone, in the play recognised this including the prince. `We still have known thee for a holy man. ` Friar Lawrence really was a decent man, even if his plans did go slightly wrong.

Solicitar estatus de refugiado para Estados Unidos

Solicitar estatus de refugiado para Estados Unidos Las personas perseguidas o que teman sufrir represalias pueden solicitar asilo en Estados Unidos o que se les otorgue el estatus de refugiado. La gran diferencia es que el asilo se pide estando ya fà ­sicamente en EEUU o en un puerto de entrada y la condicià ³n de refugiado se solicita en el extranjero. Condiciones para que la condicià ³n de refugiado sea reconocida por Estados Unidos Deben cumplirse las siguientes premisas: 1. Vivir en un paà ­s distinto del propio o al de residencia habitual. Hay excepciones previstas legalmente, como el caso de los cubanos. 2. La persona que solicita que se le conceda el estatus de refugiado no puede tener và ­nculos fuertes en el paà ­s en el que se encuentra actualmente. Por ejemplo, si su cà ³nyuge es de ese paà ­s o tiene un trabajo estable se considera que tiene lazos fuertes. 3. No puede regresar a su paà ­s porque tiene un miedo fundado de que si lo hace sufrir represalias o ser perseguido por razà ³n de su raza, religià ³n, pertenencia a un determinado grupo social o à ©tnico o por su opinià ³n polà ­tica. 4. Y, finalmente, que conceder la condicià ³n de refugiado a una persona en particular se encuentre dentro de las prioridades del gobierno de los Estados Unidos de Amà ©rica, que es el à ºnico con potestad para decidir quà © es prioridad para el paà ­s. Procedimiento para solicitar el estatus de refugiado Dependiendo del caso, se contacta con una oficina consular o, en la mayorà ­a de los casos, se viene referido por una organizacià ³n, como por ejemplo, el Alto Comisionado de Naciones Unidas para los Refugiados (UNHCR, por sus siglas en inglà ©s). Hay que tener en cuenta que en la inmensa mayorà ­a de las oficinas consulares de Estados Unidos no se tramitan las peticiones de refugiados. Sà ³lo en un nà ºmero reducido de las mismas.   Ser precisamente ante un oficial de Inmigracià ³n del USCIS asignado a una oficina consular ante el que hay que probar que se tiene un caso para ser considerado refugiado. Adems, hay que contar con la promesa de un patrocinador en los Estados Unidos que, en el caso de que sea concedida la peticià ³n de refugiado, sirva de apoyo para su recolocacià ³n en Estados Unidos. Si finalmente el USCIS otorga el estatus de refugiado, la persona recibir una visa para entrar y vivir en EEUU. A tener en cuenta En el proceso para conseguir el estatus de refugiado es necesario entrevistarse en persona con el oficial del USCIS a cargo del caso. Si la persona que alega ser refugiado se encuentra en otro paà ­s, el gobierno de Estados Unidos no corre con los gastos de su desplazamiento hasta el paà ­s donde se encuentra la oficina consular que debe tramitar el caso. Tampoco puede ayudar a conseguir visados para llegar a ese paà ­s, si fuesen necesarios. Tips Casa caso es un mundo. Por lo que es muy arriesgado juzgar si una persona puede ganar o no el estatus de refugiado. En todo caso es fundamental tener de verdad miedo de ser perseguido o sufrir represalias. Asimismo, se tiene que tener la capacidad de probar y explicar adecuadamente las razones de ese miedo. Y, finalmente, no hay que olvidar que Estados Unidos tiene sus propias prioridades. No todas las peticiones son iguales y es materialmente imposible conceder el estatus de refugiado a todas las personas que lo solicitan. En todo   caso, la solicitud de condicià ³n de refugiado para los nacionales de 7 paà ­ses de mayorà ­a musulmana se ha visto muy alterada por la  presidencia de Donald Trump, si bien las cortes se han pronunciado en contra de la prohibicià ³n que se impuso por orden ejecutiva a los refugiados de dichos paà ­ses.. Diferencia entre el asilo y el estatus de refugiado Segà ºn la ley americana, el asilo sà ³lo se puede solicitar cuando las  personas se encuentran ya fà ­sicamente en Estados Unidos o que lo solicitan en un aeropuerto o puerto de entrada a Estados Unidos y demuestran miedo creà ­ble. En cada uno de estos casos el procedimiento es distinto y no aplican las mismas reglas a las personas que ya se encuentran dentro del paà ­s y a las que solicitan el asilo nada ms llegar a la frontera. Adems, hay que recordar que se ha puesto fin  a la polà ­tica de de pies secos, pies mojados  para cubanos y tambià ©n las  visas CMPP  para personal sanitario de la misma nacionalidad en misiones en el exterior. Los cubanos pueden seguir el mismo procedimiento de peticià ³n de asilo que el resto de las nacionalidades. Si bien sigue en vigor la Ley de Ajuste Cubano. Segà ºn esa norma, los cubanos podrn solicitar la tarjeta de residencia al pasar 1 aà ±o y 1 dà ­a de presencia fà ­sica en Estados Unidos, pero la condicià ³n es que el ingreso haya sido legal. Finalmente, para entender el asilo y la condicià ³n de refugiado resulta conveniente tomar este test de respuestas mà ºltiples. Contiene las respuestas correctas y brindan ayuda para aclarar dudas e inquietudes. Este es un artà ­culo informativo. No es asesorà ­a legal.

Business plan, Market, Analysis, Construction

The business is a family owned company. As a Managing consultant, I have been employed to assess the viabilities of these two proposals and to produce a business plan that could be presented at the bank to gain financial backing for the expansion. I was able to make an ASSESSMENT CRITERIA, which were listed below: †¢ Understanding and application of theories †¢ Correct use of terminology, techniques, etc. †¢ Relevance of examples and scenarios †¢ Quality of referencing and sourcing of material (evidence) †¢ Quality of presentation †¢ Correct structuring of the report Business Plan: Constructed â€Å"mega-projects† are readily recognizable for their form and function, and in many cases, are awe-inspiring.   Major buildings and bridges give identities to cities and nations and evoke a sense of pride in the people. â€Å"The construction industry is a vast system of engineers, architects, laborers, craftsmen, material, equipment and tool suppliers, and project owners responsible for building these structures (http://bcc.ecnext.com/)†.   The scope of the industry is all encompassing, including every type of facility imaginable.   Roads, bridges, mass transit, airports, schools, retail and commercial buildings, industrial and manufacturing facilities, drinking water systems, wastewater treatment facilities, dams and power generation, solid waste facilities, and hazardous waste treatment and disposal projects all benefit society and bolster our national security.   The construction industry seminar focused on projects and issues that have a pote ntial mobilization involvement. Executive Summary stated that, a home office in Yellowknife, NT will be established the first year of operations to reduce start up costs. The founder of the firm is a professional engineer with eighteen years of progressive and responsible experience. After the operation has started it was found out that the first year operation increased till up to 3rd year operation as well. Notice the sales amount in dollars increases as well as dollar profits together with the percent sales/profit. The firm will specialize in providing three dimensional modeling and visualization to our clients. State-of-the-art analysis and design tools will be an integral part of the business plan. Implementation of a quality control and assurance program will provide a focus for production work. The highlights of the executive summary shown in a bar graph presentation as analyzed in this manner, red bar represents which is increasing dollars from year 2000 to the year 2002. Also apple green color represents gross margin, which is also increasing order and while net profit increased in increasing order as well. Objectives were seen to have the following: Achieve 20% of market value at the end of the third year of operation. Increase gross margin to 80% by the third year of operations. Company has mission, as stated here: Our mission is to provide clients across Canada’s North with structural engineering services for all types of buildings, from concept planning through to completion, with a highly skilled professional team working together, using common sense and practical.   Key to success has developed experience as stated. Provide professional quality services on time and on budget. Develop a follow-up strategy to gauge performance with all clients. Implement and maintain a quality control and assurance policy. Company Summary: Structure All Ltd. is a new company, which provides professional engineering design services for clients that manage, maintain, and plan for residential, commercial, and industrial type buildings. Our focus will be the public sector market in remote communities across Canada’s North. Company Ownership will be, Structure All Ltd. will be created as a limited liability company. Philip D. Nolan will privately own the company. Leslie C. Goit will also be listed as a Director. Start up summary: Our start-up expenses amount to $13,000, which allows for initial legal expenses, licenses, permits, stationary, specialty software, office equipment, and furniture. In addition to these start-up costs, an initial balance of $7,000 will be placed in the company accounts. The software purchases include an allowance of $5,000 for AutoCAD ® 2000, $1,800 for National Master Specifications, and $200 for QuickBooks ® (accounting package). Total start-up expenses amounted to $13,000, which has the big values, compared to other expenses. Office equipment, other expenses and permits holder and legal service also has same amount, which is the least expenses incurred. For a company start-up summary goes this way, investments leads small amount while profit is big and the sales amount becomes big. Start-up expenses have the following: Professional Liability Insurance is $1,200, Professional Liability Insurance is $1,200, web site development is $600 and lastly business licenses are $500.So overall total an expense coincides with the total assets. Market Analysis Company Locations and Facilities We will establish a home office in Yellowknife, NT in order to reduce start-up costs. The office space is estimated to be 150 square feet. We will be installing a dedicated fax line as well as a high-speed Internet connection. An interactive website will also be developed which will serve as a marketing tool. Services Structure All Ltd. offers complete structural engineering services. We will focus on buildings with the following Use and Occupancies, like the company is project oriented where each project involves. It also offers Project Consulting, Forensic Investigations, Project Management, and Dispute Resolution. Further more it also caters Restoration Engineering, and Inspections. Describing offers services was noted to be Competitive in the sense that offers their clients superior service, implement a quality assurance and control program for all projects undertaken, systematic manner of sorting and retrieving a library of structural elements and assemblies will be implemented. The sales literature was describe to be a brochure system. Brochure inserts will be maintained as individual sheets to facilitate their assembly in any custom situation. Greatly market analysis will be describe as Structure All Ltd. will focus on traditional Architect/Engineering (A/E) contracts. The owner will usually contract the A/E to perform planning and design services. These design services include preparation of plans, specifications, and estimates. Types of project distributions were having guidelines to follow as *Architecture Design (65%). *Structural Design (10%). *Mechanical Design (15%). *Electrical design (10%) Knowing the Market Segmentation will describe as a manner the market for engineering services that is, established Architectural and Engineering firms, territorial and Federal Governmental Departments. Market analysis Pie can summarize accordingly; Service Business Analysis, Business Participants, which were describe in as much as the manner showed. The major clients within the Territorial Governments include: Department of Education, Department of Transportation, and Department of Education, Department of Transportation, Department of Municipal and Community Affairs and Department of Municipal and Community Affairs. Competition and Buying Patterns at which, pricing of projects and billing rates are surprisingly variable. In consulting at this level, it is easier to be priced too low than too high. Clients and potential clients expect to pay substantial fees for the best quality professional advice. The nature of the billing, however, is sensitive. Clients are much more likely to be offended when a job starts at $20K and ends up at $30K because of overruns, than if the same job started at $30K or even $35K. Main Competitors are Ferguson Simek Clark (FSC Group), A.D. Williams Engineering Ltd. (ADWEL), and Girvan and Associates. Conclusion: The company done a very good performance as the company executive summary showed a very remarkable achievement in the analysis. Business plan, Market, Analysis, Construction The business is a family owned company. As a Managing consultant, I have been employed to assess the viabilities of these two proposals and to produce a business plan that could be presented at the bank to gain financial backing for the expansion. I was able to make an ASSESSMENT CRITERIA, which were listed below: †¢ Understanding and application of theories †¢ Correct use of terminology, techniques, etc. †¢ Relevance of examples and scenarios †¢ Quality of referencing and sourcing of material (evidence) †¢ Quality of presentation †¢ Correct structuring of the report Business Plan: Constructed â€Å"mega-projects† are readily recognizable for their form and function, and in many cases, are awe-inspiring.   Major buildings and bridges give identities to cities and nations and evoke a sense of pride in the people. â€Å"The construction industry is a vast system of engineers, architects, laborers, craftsmen, material, equipment and tool suppliers, and project owners responsible for building these structures (http://bcc.ecnext.com/)†.   The scope of the industry is all encompassing, including every type of facility imaginable.   Roads, bridges, mass transit, airports, schools, retail and commercial buildings, industrial and manufacturing facilities, drinking water systems, wastewater treatment facilities, dams and power generation, solid waste facilities, and hazardous waste treatment and disposal projects all benefit society and bolster our national security.   The construction industry seminar focused on projects and issues that have a pote ntial mobilization involvement. Executive Summary stated that, a home office in Yellowknife, NT will be established the first year of operations to reduce start up costs. The founder of the firm is a professional engineer with eighteen years of progressive and responsible experience. After the operation has started it was found out that the first year operation increased till up to 3rd year operation as well. Notice the sales amount in dollars increases as well as dollar profits together with the percent sales/profit. The firm will specialize in providing three dimensional modeling and visualization to our clients. State-of-the-art analysis and design tools will be an integral part of the business plan. Implementation of a quality control and assurance program will provide a focus for production work. The highlights of the executive summary shown in a bar graph presentation as analyzed in this manner, red bar represents which is increasing dollars from year 2000 to the year 2002. Also apple green color represents gross margin, which is also increasing order and while net profit increased in increasing order as well. Objectives were seen to have the following: Achieve 20% of market value at the end of the third year of operation. Increase gross margin to 80% by the third year of operations. Company has mission, as stated here: Our mission is to provide clients across Canada’s North with structural engineering services for all types of buildings, from concept planning through to completion, with a highly skilled professional team working together, using common sense and practical.   Key to success has developed experience as stated. Provide professional quality services on time and on budget. Develop a follow-up strategy to gauge performance with all clients. Implement and maintain a quality control and assurance policy. Company Summary: Structure All Ltd. is a new company, which provides professional engineering design services for clients that manage, maintain, and plan for residential, commercial, and industrial type buildings. Our focus will be the public sector market in remote communities across Canada’s North. Company Ownership will be, Structure All Ltd. will be created as a limited liability company. Philip D. Nolan will privately own the company. Leslie C. Goit will also be listed as a Director. Start up summary: Our start-up expenses amount to $13,000, which allows for initial legal expenses, licenses, permits, stationary, specialty software, office equipment, and furniture. In addition to these start-up costs, an initial balance of $7,000 will be placed in the company accounts. The software purchases include an allowance of $5,000 for AutoCAD ® 2000, $1,800 for National Master Specifications, and $200 for QuickBooks ® (accounting package). Total start-up expenses amounted to $13,000, which has the big values, compared to other expenses. Office equipment, other expenses and permits holder and legal service also has same amount, which is the least expenses incurred. For a company start-up summary goes this way, investments leads small amount while profit is big and the sales amount becomes big. Start-up expenses have the following: Professional Liability Insurance is $1,200, Professional Liability Insurance is $1,200, web site development is $600 and lastly business licenses are $500.So overall total an expense coincides with the total assets. Market Analysis Company Locations and Facilities We will establish a home office in Yellowknife, NT in order to reduce start-up costs. The office space is estimated to be 150 square feet. We will be installing a dedicated fax line as well as a high-speed Internet connection. An interactive website will also be developed which will serve as a marketing tool. Services Structure All Ltd. offers complete structural engineering services. We will focus on buildings with the following Use and Occupancies, like the company is project oriented where each project involves. It also offers Project Consulting, Forensic Investigations, Project Management, and Dispute Resolution. Further more it also caters Restoration Engineering, and Inspections. Describing offers services was noted to be Competitive in the sense that offers their clients superior service, implement a quality assurance and control program for all projects undertaken, systematic manner of sorting and retrieving a library of structural elements and assemblies will be implemented. The sales literature was describe to be a brochure system. Brochure inserts will be maintained as individual sheets to facilitate their assembly in any custom situation. Greatly market analysis will be describe as Structure All Ltd. will focus on traditional Architect/Engineering (A/E) contracts. The owner will usually contract the A/E to perform planning and design services. These design services include preparation of plans, specifications, and estimates. Types of project distributions were having guidelines to follow as *Architecture Design (65%). *Structural Design (10%). *Mechanical Design (15%). *Electrical design (10%) Knowing the Market Segmentation will describe as a manner the market for engineering services that is, established Architectural and Engineering firms, territorial and Federal Governmental Departments. Market analysis Pie can summarize accordingly; Service Business Analysis, Business Participants, which were describe in as much as the manner showed. The major clients within the Territorial Governments include: Department of Education, Department of Transportation, and Department of Education, Department of Transportation, Department of Municipal and Community Affairs and Department of Municipal and Community Affairs. Competition and Buying Patterns at which, pricing of projects and billing rates are surprisingly variable. In consulting at this level, it is easier to be priced too low than too high. Clients and potential clients expect to pay substantial fees for the best quality professional advice. The nature of the billing, however, is sensitive. Clients are much more likely to be offended when a job starts at $20K and ends up at $30K because of overruns, than if the same job started at $30K or even $35K. Main Competitors are Ferguson Simek Clark (FSC Group), A.D. Williams Engineering Ltd. (ADWEL), and Girvan and Associates. Conclusion: The company done a very good performance as the company executive summary showed a very remarkable achievement in the analysis.