The Structure of Wholeness :: Ontology Atoms Papers

The Structure of Wholeness Using a part-whole-calculus the vague concept of wholeness is rendered precisely as the structure of an atomic boolean lattice. The so-defined prototypical structure of wholeness has the status of a category, since every element of our experience may be considered as an intended application of it. This will be illustrated using examples from different ontological spheres. The hypothetical and therefore fallible character of the structure is shown in its inadequacy in grasping quantum logical facts. This demands a differentiation of wholeness. The defined structure may be seen as circular in two respects: On the one hand it is the precondition for the understanding of its own syntactic and semantic basics, on the other hand there exists a mutual defineability between its atoms, which leads us to the thesis that wholeness cannot be defined in a non-circular manner. Introduction In this paper I attempt both to explicate the popular, but vague notion of wholeness and to point out its meaning for ontology. To begin with, I’ll give a brief survey of the essentials: In accord with an elementary intuition of ‘wholeness’ I introduce an implicit axiomatic definition of its structure, which proves to be a familiar Boolean-lattice. This internal view of the concept of wholeness is followed by a more philosophical external view, which looks at the structure in its context. It will be shown that the structure corresponds to the criteria of an ontological category, namely consistence, adequacy, content and coherence, so that we are justified in speaking of the ‘category of wholeness’. This feature leads to some interesting results: As a consequence of the adequacy of a category the structure turns out to be a model on its own. The self-application leads on the level of the axioms to the boolean lattice of all substructures and on the lev el of the terms of axioms to semantical boolean lattices, which may seen as basic units for the whole language. Thus the understanding of the structure of ‘wholeness’ takes for granted that there is a pre-understanding of the very same. Furthermore, there is another kind of circular understanding on the level of the atoms of the structure, because there exists a mutual defineability between the atoms, which cannot be eliminated without leaving the wholeness. But even if we try to leave it, we enter another wholeness, so that circularity is inevitable in the end. A. Intuition First of all, let me describe the leading intuition of ‘wholeness’.

How ATVs Work Essay -- essays research papers

Thesis statement: All terrain vehicles are helpful and useful and I will explain how they work and how to fix them in this paper. Outline: Inn this paper I will discuss ATV’s and general knowledge and getting them wet. I also will discuss their origin and how they need care and how to keep them doing good for a long time.   Ã‚  Ã‚  Ã‚  Ã‚   What is an ATV? It is an All Terrain Vehicle, also called three or four wheelers. It is also called a quad or ATV. An ATV is built to go where other vehicles cannot go. ATV’s are also built to handle a lot of stress and abuse. ATV’s are virtually indestructible; however, they have a few weaknesses and it is important to know and understand those few weaknesses. You should always do a complete check of your ATV before riding . Second, ATV’s also provide power and speed. There are also amphibian ATV’s that float and go like a boat. ATV’s were first â€Å"work† vehicles for telephone and electrical linemen and other types of people. They used the ATV’s to get from one pole to another that went over difficult terrain where 4x4 trucks could not go. (Estrem ATV’s 10)   Ã‚  Ã‚  Ã‚  Ã‚  Second, you do not need a special permit or driver’s license to drive a ATV although special training is recommend by several manufacturers and some even give seminars and free classes. I believe that some company’s give cash back to people who take classes. I ,myself, have not taken any of these classes. There are no age limits or restrictions because these are not operated on public streets, roads or highways. ATV’s are â€Å"Off-road† machines. There is also safety gear to protect you from harm. These accessories include helmets, gloves, boots, chest protectors and so on. (Estrem ATV’s 10-11) Third, ATV’s need some type of power plant to propel them. The types of power plants that are most common are the two stroke engine and the four stroke engine (A stroke is one movement of the piston Microsoft Encarta 96 Internal Combustion Engine). The general principle of the two-stroke engine is to shorten the periods in which fuel is put into the combustion chamber and in which the spent gases are exhausted to a small fraction of the duration of a stroke instead of allowing each of these operations to occupy a full stroke. In the simplest type of two-stroke engine, the poppet valves are replaced by sleeve valves or ports (openings in t... ...fied Buggy class. At home on sand, dirt, or the surface of Mars, these competition-designed vehicles spend as much time on their roll bars as they do on their tires. The series will feature another buggy class called the Stadium Lites. The Lites are an ultra-quick, lightweight version of the Supers and are based on Honda's Odessey/Pilot line of full roll cage ATVs. Finally, the Stadium Thunder Bikes will wow the crowd with high-flying action. These big, bad, four-stroke bikes are the same machines used from Baja to Supercross. (Internet VIA America Online Internet Provider)   Ã‚  Ã‚  Ã‚  Ã‚  In Conclusion ATV’s are fun yet dangerous. ATV’s require a lot of care and maintenance but they will give you a good feeling in life that cannot be matched. I have discussed Water damage and how to prevent it, good riding spots and how to care for the major parts of your ATV. I have also told about the the renewed interest of ATV stadium riding and racing. I have not tried this but it may be fun. Please though observe all rules and safety protocols to prevent injury or death. If you respect the laws and use common sense and care ATV riding and racing can be an enjoyable experience.

Foundation and Empire 18. Fall Of The Foundation

There was an atmosphere about the Time Vault that just missed definition in several directions at once. It was not one of decay, for it was well-lit and well-conditioned, with the color scheme of the walls lively, and the rows of fixed chairs comfortable and apparently designed for eternal use. It was not even ancient, for three centuries had left no obvious mark. There was certainly no effort at the creation of awe or reverence, for the appointments were simple and everyday – next door to bareness, in fact. Yet after all the negatives were added and the sum disposed of, something was left – and that something centered about the glass cubicle that dominated half the room with its clear emptiness. Four times in three centuries, the living simulacrum of Hari Seldon himself had sat there and spoken. Twice he had spoken to no audience. Through three centuries and nine generations, the old man who had seen the great days of universal empire projected himself – and still he understood more of the Galaxy of his great-ultra-great-grandchildren, than did those grandchildren themselves. Patiently that empty cubicle waited. The first to arrive was Mayor Indbur III, driving his ceremonial ground car through the hushed and anxious streets. Arriving with him was his own chair, higher than those that belonged there, and wider. It was placed before all the others, and Indbur dominated all but the empty glassiness before him. The solemn official at his left bowed a reverent head. â€Å"Excellence, arrangements are completed for the widest possible sub-etheric spread for the official announcement by your excellence tonight.† â€Å"Good. Meanwhile, special interplanetary programs concerning the Time Vault are to continue. There will, of course, be no predictions or speculations of any sort on the subject. Does popular reaction continue satisfactory?† â€Å"Excellence, very much so. The vicious rumors prevailing of late have decreased further. Confidence is widespread.† â€Å"Good!† He gestured the man away and adjusted his elaborate neckpiece to a nicety. It was twenty minutes of noon! A select group of the great props of the mayoralty – the leaders of the great Trading organizations – appeared in ones and twos with the degree of pomp appropriate to their financial status and place in mayoral favor. Each presented himself to the mayor, received a gracious word or two, took an assigned seat. Somewhere, incongruous among the stilted ceremony of all this, Randu of Haven made his appearance and wormed his way unannounced to the mayor's seat. â€Å"Excellence!† he muttered, and bowed. Indbur frowned. â€Å"You have not been granted an audience. â€Å" â€Å"Excellence, I have requested one for a week.† â€Å"I regret that the matters of State involved in the appearance of Seldon have-â€Å" â€Å"Excellence, I regret them, too, but I must ask you to rescind your order that the ships of the Independent Traders be distributed among the fleets of the Foundation.† Indbur had flushed red at the interruption. â€Å"This is not the time for discussion.† â€Å"Excellence, it is the only time,† Randu whispered urgently. â€Å"As representative of the Independent Trading Worlds, I tell you such a move can not be obeyed. It must be rescinded before Seldon solves our problem for us. Once the emergency is passed, it will be too late to conciliate and our alliance will melt away.† Indbur stared at Randu coldly. â€Å"You realize that I am head of the Foundation armed forces? Have I the right to determine military policy or have I not?† â€Å"Excellence, you have, but some things are inexpedient.† â€Å"I recognize no inexpediency. It is dangerous to allow your people separate fleets in this emergency. Divided action plays into the hands of the enemy. We must unite, ambassador, militarily as well as politically.† Randu felt his throat muscles tighten. He omitted the courtesy of the opening title. â€Å"You feet safe now that Seldon will speak, and you move against us. A month ago you were soft and yielding, when our ships defeated the Mule at Terel. I might remind you, sir, that it is the Foundation Fleet that has been defeated in open battle five times, and that the ships of the Independent Trading Worlds have won your victories for you.† Indbur frowned dangerously, â€Å"You are no longer welcome upon Terminus, ambassador. Your return will be requested this evening. Furthermore, your connection with subversive democratic forces on Terminus will be – and has been – investigated.† Randu replied, â€Å"When I leave, our ships will go with me. I know nothing of your democrats. I know only that your Foundation's ships have surrendered to the Mule by the treason of their high officers, not their sailors, democratic or otherwise. I tell you that twenty ships of the Foundation surrendered at Horleggor at the orders of their rear admiral, when they were unharmed and unbeaten. The rear admiral was your own close associate – he presided at the trial of my nephew when he first arrived from Kalgan. It is not the only case we know of and our ships and men will not be risked under potential traitors. Indbur said, â€Å"You will be placed under guard upon leaving here.† Randu walked away under the silent stares of the contemptuous coterie of the rulers of Terminus. It was ten minutes of twelve! Bayta and Toran had already arrived. They rose in their back seats and beckoned to Randu as he passed. Randu smiled gently, â€Å"You are here after all. How did you work it?† â€Å"Magnifico was our politician,† grinned Toran. â€Å"Indbur insists upon his Visi-Sonor composition based on the Time Vault, with himself, no doubt, as hero. Magnifico refused to attend without us, and there was no arguing him out of it. Ebling Mis is with us, or was. He's wandering about somewhere.† Then, with a sudden access of anxious gravity, â€Å"Why, what's wrong, uncle? You don't look well.† Randu nodded, â€Å"I suppose not. We're in for bad times, Toran. When the Mule is disposed of, our turn will come, I'm afraid. â€Å" A straight solemn figure in white approached, and greeted them with a stiff bow. Bayta's dark eyes smiled, as she held out her hand, â€Å"Captain Pritcher! Are you on space duty then?† The captain took the hand and bowed lower, â€Å"Nothing like it. Dr. Mis, I understand, has been instrumental in bringing me here, but it's only temporary. Back to home guard tomorrow. What time is it?† It was three minutes of twelve! Magnifico was the picture of misery and heartsick depression. His body curled up, in his eternal effort at self-effacement. His long nose was pinched at the nostrils and his large, down-slanted eyes darted uneasily about. He clutched at Bayta's hand, and when she bent down, he whispered, â€Å"Do you suppose, my lady, that all these great ones were in the audience, perhaps, when I†¦ when I played the Visi-Sonor?† â€Å"Everyone, I'm sure,† Bayta assured him, and shook him gently. â€Å"And I'm sure they all think you're the most wonderful player in the Galaxy and that your concert was the greatest ever seen, so you just straighten yourself and sit correctly. We must have dignity.† He smiled feebly at her mock-frown and unfolded his long-boned limbs slowly. It was noon – and the glass cubicle was no longer empty. It was doubtful that anyone had witnessed the appearance. It was a clean break; one moment not there and the next moment there. In the cubicle was a figure in a wheelchair, old and shrunken, from whose wrinkled face bright eyes shone, and whose voice, as it turned out, was the livest thing about him. A book lay face downward in his lap, and the voice came softly. â€Å"I am Hari Seldon!† He spoke through a silence, thunderous in its intensity. â€Å"I am Hari Seldon! I do not know if anyone is here at all by mere sense-perception but that is unimportant. I have few fears as yet of a breakdown in the Plan. For the first three centuries the percentage probability of nondeviation is nine-four point two.† He paused to smile, and then said genially, â€Å"By the way, if any of you are standing, you may sit. If any would like to smoke, please do. I am not here in the flesh. I require no ceremony. â€Å"Let us take up the problem of the moment, then. For the first time, the Foundation has been faced, or perhaps, is in the last stages of facing, civil war. Till now, the attacks from without have been adequately beaten off, and inevitably so, according to the strict laws of psychohistory. The attack at present is that of a too-undisciplined outer group of the Foundation against the too-authoritarian central government. The procedure was necessary, the result obvious.† The dignity of the high-born audience was beginning to break. Indbur was half out of his chair. Bayta leaned forward with troubled eyes. What was the great Seldon talking about? She had missed a few of the words- â€Å"-that the compromise worked out is necessary in two respects. The revolt of the Independent Traders introduces an element of new uncertainty in a government perhaps grown over-confident. The element of striving is restored. Although beaten, a healthy increase of democracy-â€Å" There were raised voices now. Whispers had ascended the scale of loudness, and the edge of panic was in them. Bayta said in Toran's ear, â€Å"Why doesn't he talk about the Mule? The Traders never revolted.† Toran shrugged his shoulders. The seated figure spoke cheerfully across and through the increasing disorganization: â€Å"-a new and firmer coalition government was the necessary and beneficial outcome of the logical civil war forced upon the Foundation. And now only the remnants of the old Empire stand in the way of further expansion, and in them, for the next few years, at any rate, is no problem. Of course, I can not reveal the nature of the next prob-â€Å" In the complete uproar, Seldon's lips moved soundlessly. Ebling Mis was next to Randu, face ruddy. He was shouting. â€Å"Seldon is off his rocker. He's got the wrong crisis. Were your Traders ever planning civil war?† Randu said thinly, â€Å"We planned one, yes. We called it off in the face of the Mule.† â€Å"Then the Mule is an added feature, unprepared for in Seldon's psychohistory. Now what's happened?† In the sudden, frozen silence, Bayta found the cubicle once again empty. The nuclear glow of the walls was dead, the soft current of conditioned air absent. Somewhere the sound of a shrill siren was rising and falling in the scale and Randu formed the words with his lips, â€Å"Space raid!† And Ebling Mis held his wrist watch to his ears and shouted suddenly, â€Å"Stopped, by the â€Å"Ga-LAX-y, is there a watch in the room that is going?† His voice was a roar. Twenty wrists went to twenty ears. And in far less than twenty seconds, it was quite certain that none were. â€Å"Then,† said Mis, with a grim and horrible finality, â€Å"something has stopped all nuclear power in the Time Vault – and the Mule is attacking.† Indbur's wail rose high above the noise, â€Å"Take your seats! The Mule is fifty parsecs distant.† â€Å"He was,† shouted back Mis, â€Å"a week ago. Right now, Terminus is being bombarded.† Bayta felt a deep depression settle softly upon her. She felt its folds tighten close and thick, until her breath forced its way only with pain past her tightened throat. The outer noise of a gathering crowd was evident. The doors were thrown open and a harried figure entered, and spoke rapidly to Indbur, who had rushed to him. â€Å"Excellence,† he whispered, â€Å"not a vehicle is running in the city, not a communication line to the outside is open. The Tenth Fleet is reported defeated and the Mule's ships are outside the atmosphere. The general staff-â€Å" Indbur crumpled, and was a collapsed figure of impotence upon the floor. In all that hall, not a voice was raised now. Even the growing crowd without was fearful, but silent, and the horror of cold panic hovered dangerously. Indbur was raised. Wine was held to his lips. His lips moved before his eyes opened, and the word they formed was, â€Å"Surrender!† Bayta found herself near to crying – not for sorrow or humiliation, but simply and plainly out of a vast frightened despair. Ebling Mis plucked at her sleeve. â€Å"Come, young lady-â€Å" She was pulled out of her chair, bodily. â€Å"We're leaving,† he said, â€Å"and take your musician with you.† The plump scientist's lips were trembling and colorless. â€Å"Magnifico,† said Bayta, faintly. The clown shrank in horror. His eyes were glassy. â€Å"The Mule,† he shrieked. â€Å"The Mule is coming for me.† He thrashed wildly at her touch. Toran leaned over and brought his fist up sharply. Magnifico slumped into unconsciousness and Toran carried him out potato-sack fashion. The next day, the ugly, battle-black ships of the Mule poured down upon the landing fields of the planet Terminus. The attacking general sped down the empty main street of Terminus City in a foreign-made ground car that ran where a whole city of atomic cars still stood useless. The proclamation of occupation was made twenty-four hours to the minute after Seldon had appeared before the former mighty of the Foundation. Of all the Foundation planets, only the Independent Traders still stood, and against them the power of the Mule – conqueror of the Foundation – now turned itself.

Importance of a Team Charter

Similar to developing a solid foundation when building a home, the team charter is the foundation for building a strong team. The team charter acts as a contract between the members of a team communicating contact information and establishing the ground rules and guidelines for the team. â€Å"Chartering is the process by which the team is formed, its mission or task described, its resources allocated, its goals set, its membership committed, and its plans made† (University of Phoenix, 2011, para. ). The implementation of a team charter will improve the performance of the group because it clearly defines the expectations of the team, permits agreement regarding communication and participation as well as provides the basis for conflict management. The implementation of a team charter will improve the performance of the group because it will help to eliminate conflicts before they arise. By identifying the likely kinds of issues that might bring team members into conflict and agreeing beforehand how to deal constructively with those conflicts, team members will help to ensure the optimum functioning of the team† (University of Phoenix, 2002, para. 8). An area of conflict that tends to arise often is a team member feeling as if he or she is doing all of the work. It is best to try to avoid this by the agreement that has been reached collectively in the team charter. Each individual has contributed to the formulation of the charter and in doing so, has agreed to abide by its guidelines. This should bring about a sense of duty and responsibility to each member to contribute equally to the team. The charter will allow the team to come to an agreement regarding communication, participation, and the consequences for non-participation. This will provide the basis for establishing trust within the members of the group. Each individual in the group has his or her own level of trust that he or she is capable of giving. This will influence how much they are willing to share and give of themselves. It is important that the members respect the privacy and boundaries of the other members, especially if they are less trusting. The same is true of listening skills. One must accept that some individuals are more outspoken than others and may not be as advanced in their listening skills. Others have honed these skills well and will pick up on the smallest nuances. The most important reason the implementation of a team charter will improve the performance of the group is that it clearly defines the expectations of the team so that each member is clear of his or her responsibilities. It is imperative that each member is aware of the objectives of the team and what he or she is trying to accomplish. Each member must know what his or her individual contributions to that goal is and understand that it is the expectation of the team that he or she will complete his or her portion in a timely manner. Although some may say that developing a charter is an unnecessary step that requires too much time, the benefits of forming a charter are well worth the time invested. A charter is the foundation by which the team will collaborate to accomplish their goals. In conclusion, although some believe that the charter is not a useful tool and is not worth the time investment, the implementation of a team charter will improve the performance of the group for two main reasons. First, it will allow the team to come to an agreement regarding communication, participation, and consequences for non-participation. Second, and more important, the team charter clearly defines the expectations of the team so that each member is clear of his or her responsibilities. Just as a person would never think of driving cross country without first checking the oil in his or her car, one should never initiate a group without first developing a team charter. The most successful and productive teams always start with the foundation of a well developed team charter.

Business Aspects in Banking and Insuarance

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

Film Genre Analysis Essay Example | Topics and Well Written Essays - 2000 words

Film Genre Analysis - Essay Example Horror films are meant to create some negative emotions like fear, shock and tension among the audience or viewers. This discourse is about genre analysis of Near Dark, produced by Kathryn Bigelow, in 1987. Horror films incorporate various aspects beyond human imaginations to inflict some sort of fantasy, supernaturalism and the thrilling effects among others. Majority of horror films incorporates the evil and scary scenes through ghosts, serial killers, ogres, zombies, demons, aliens and cannibals among others. This film genre is however restricted to adults above the age of 18 or 21, who can deal with their fears or nightmares without compromising their social and spiritual lives (Wilkins, 2009). Horror films have various influences in the society. It is one of the most selling or marketable genre after sci-fi and animations. The horror films are the opposite of the old movies where the main theme was to satisfy men’s desires. The horror movies incorporate both men and women 's roles in the society and thus are good attribute to gender equality. Women are also the main audience and actors, or the main contributor to the ideas behind the horror films. The majority of female horror films usually begins as a vulnerable scared being to who develop to be strong and confident as the films come to an end. This has really impacted confidence and the strength to endure life frustrations among several women and men facing some sort of difficulties (Plaisance, 2008). Horror films also include the elements of motherhood, pregnancy and lesbianism to attract more female audience. However, it is being revealed that the evil and scary scenes in the horror films have compromised the spiritual and social lives among several audiences. For instance, the Christian clergies have lamented that the movies inflict fear and social withdrawals among teenagers. They also lament that movies based on Halloween celebrations are not in accordance with the Biblical teachings, but some sort of an evil cult. Some social and psychological studies indicate that a pregnant woman could miscarry when shocked or frightened by the evil and scary scenes in the horror films. The films also kill the sense of humanity in frequent audiences, for instance, Children who watch horror films are likely to adopt some criminal minds when they become of age. This is because their humanity and affection is replaced with anger, terror and revenge among other undesirable characters. Near Dark is a horror movie produced in 1987, directed by Kathryn Bigelow but produced by Steven-Charles Jaffe. It was written by Eric Red alongside Kathryn Bigelow. Its main actors and actresses are Adrian Pasder, Jenny Wright, Lance Henriksen, Jenette Goldstein and Bill Paxton. Its music and cinematography was done by Tangerine Dream and Adam Greenberg respectively. The 95 minute movie was based in the United States, and the entire script is in English. Near Dark is about a young man who tries to choose be tween the normal human family life and the vampire family. The main struggle is attributed by the fact that each choice has its consequences. In 1980, there was need to revive the vampire movies and Near Dark was one of the releases. The movie begins with Caleb Colton (Adrian Pasdar) meeting a young beautiful woman Mae (Jenny Wright). This happens before the morning sun appears. Mae bites Colton’s neck before running away. The sun rises and Colton realizes his body system is not the same anymore, his flesh burns when exposed to

Argumentative paper in the fire service Essay Example | Topics and Well Written Essays - 1500 words

Argumentative paper in the fire service - Essay Example However that is not the view of some other religions, for instance Islam. In Islam topics such as sexuality are not discussed out right openly and are not considered appropriate at all for their teenagers to be taught. However a high school student will not be allowed to graduate unless they take and pass their sex education class. Does sexual education really provide a platform where it helps the teenager; regardless shouldn't the beliefs of a religion be respected first My own parents tried to talk to the dean and principal and tried to explain to them that they do not wish for me to take this class, however to their shock the request was denied. It is amazing since the American culture itself teaches nothing but respect for other cultures. Toleration is taught all through life. No prayers are said specifically since that might violate the practices of another religion. But when it comes to sex education, it is not understandable why this rule cannot be bended for Muslim children. Has it really been proven that a sexual education class actually has helped increase teenage abstinence Or has it actually decreased it Let us take a look at some statistics. According to a survey conducted by the Global Virtual University in 2002, teenagers between the ages of 15 and19, there were 53 out of every thousand teenager getting pregnant in US. United States of America is a country where we pay severe attention to sex education and make sure that it is drilled into our children's heads that it is unsafe to have sex without any protection and that teenage pregnancy are not good for their and their baby's health. The same survey was taken for a completely eastern country, where it is almost unlawful to even discuss anything related to sex, Pakistan. The figure that we see there is that every 50 girls out of 1000 become pregnant. It is not safe or recommended to completely eliminate sex education from schools; however it also not fair to hold children back from graduation ju st on the basis that they didn't attend a sex education class. It should not be mandatory in a society where we respect other religions. Even though the statistics are almost the same in both western and eastern countries, so does this justify the practice to mandate the sex education classes as a requirement for high school graduation "When it comes to opinions about sex, people all too often inhabit different worlds, speak different languages, hold incompatible and widely divergent views. The situation is further complicated by differences compounded by gender, social class, culture and other factors, and by the existence of numerous pressure groups, each with a different agenda, and often each talking at cross-purposes with the others, vying for influence in sec education policy"(Halstead, and Reiss 15). The main concern of making sex education mandatory for every student is that it violates the practices of many cultures and religions. It is not an accepted practice to discuss such issues in many cultures with their young. In the previous paragraph it has been shown that providing sex education and not providing i t has not really made a difference in the statistics of teenage pregnancy. It only varies over a 3%. So than what is to say that sex education is the only way to reform sexual attitudes in a society. "The immigrant Mus- lims are experiencing new pressures, both domestic and foreign,