Essay on Sickle Cell Lab - 1320 Words

Observations: When Malaria is present and infects red blood cells, parasites can infect cells carrying defective hemoglobin which may result in death. Allele frequency changes over time depending on the pressures or circumstances facing a particular population. African populations are especially impacted by both malaria and sickle cell anemia. Depending on the impacted population, allele frequency often shifts and well suited organisms are likely to survive and allele frequencies can increase. When a population is effected by disease or other circumstances, allele frequency may decrease or change. HbA (normal hemoglobin) and HbS (defective hemoglobin) have varying frequencies and while the HbS gene is present in populations it is†¦show more content†¦I will record this data and calculate the percentages so that my frequency for each HbA and HbS add up to 1. Predicted Results: If hypothesis 1 is true, and sickle cell allele frequency decreases and the HbA allele frequency increased And I test this hypothesis by picking red and white beans out of a sack at random in order to simulate and determine the HbS and HbA surviving allele frequencies Then the sickle cell allele frequency HbS will decrease and HbA frequency will increase. If hypothesis 2 is true and sickle cell allele frequency increases and HbA frequency decreases And I test this hypothesis by selecting red and white beans out of a sack at random in order to determine the HbS and HbA surviving allele frequencies Then the sickle cell allele frequency HbS will survive and have an increased frequency while HbA allele frequency will decrease. Data Tables: â€Å"Frequency of HbA† = 100 x [79/(79+15)] â€Å"Frequency of HbS† = 100 x [15/(15+79)] F1 Generation Surviving Alleles | Number of surviving HbA alleles | 79 | Number of surviving HbS alleles | 15 | F1 Generation Surviving Allele Frequency (added together these two figures must equal 100%) | Frequency (%) of HbA alleles | 84% | Frequency (%) of HbS alleles | 16% | F2 Generation Surviving Alleles | Number of surviving HbA alleles | 75 | Number of surviving HbS alleles | 11 | F2Show MoreRelatedThe Probability of Inheriting a Disease Is Not Random1816 Words   |  7 Pagesrate of Sickle Cell Anemia among people of African lineage. Sickle Cell disease is inherited and it affects the anatomy of the red blood cells, resulting in a sickle shape which then affects the functions of red blood cells causing a blood disorder. Sickle Cell is a recessive disease and persons affected have both copies of the hemoglobin S gene. This genetic defect causes red blood cells to become sickle-shaped (cresent shape). The abnormal shape severely impede the ability of red blood cells to passRead MoreNewborn Genetic Screening Essay787 Words   |  4 Pagestested for (WDHS). The process of screening newborns is a relatively short procedure. Before a newborn leaves the hospital a nurse pricks its heel and takes a few drops of blood and deposits it on a special test paper. The paper is then sent to a lab where technicians look for disorders in their genes. Wisconsin law (statues chapter 253.13) â€Å"requires that all babies born in hospitals in Wisconsin have newborn screening before they leave the hospital.† The screening costs $69.50 but is covered byRead MoreSickle Cell Anemia ( Sca )1516 Words   |  7 PagesSickle cell anemia (SCA) is an inherited blood disease which causes normal, round, healthy red blood cells to transform into sickle-shaped cells. Normal red blood cells are flexible and can easily pass through capillaries to bring oxygen to different parts of the body. However, sickle cells are fragile, and can easily die, leading to anemia (red blood cell deficiency). SCA can also cause blood vessel occlusion (blockage of blood vessels) , tissue infarctions (death due to lack of oxygen), bone, jointRead MoreSickle Cell Anemi Is The Most Common Inherited Blood Disorder? Essay1636 Words   |  7 PagesSickle Cell Anemia is a group of disorders that cause red blood cells to become misshapen and break down. Sickle Cell Anemia affects many people all over the world; Sickle cell disease  is the most common inherited blood disorder in the United States, affecting 70,000 to 80,000 Americans (Ashley-Koch, Yang and Olney). Sickle Cell Anemia causes your red blood cells to be thin, stiff, and shaped like a sickle. But your red blood cells are supposed to be round and soft. When a person is diagnosed withRead MoreTreatment Of Sickle Cell Anemia Essay1654 Words   |  7 PagesTreatment Sickle Cell Anemia is a group of disorders that cause red blood cells to become misshapen and break down. Sickle cell disease  is the most common inherited blood disorder in the United States, affecting 70,000 to 80,000 Americans (Ashley-Koch, Yang and Olney). Sickle Cell Anemia causes your red blood cells to be thin, stiff, and shaped like a sickle. But your red blood cells are supposed to be round and soft. A person that is diagnosed with sickle cell anemia, their blood cells start toRead MoreSickle And The Sickle Cell Disease1369 Words   |  6 PagesThe sickle cell disease affects about 100,000 people in the America. The most common ethnic group the sickle cell anemia is seen in is African Americans and Hispanics. Approximately one in every ten African American and one in every one hundred Hispanic Americans have the sickle cell trait. Approximately two million people have the sickle cell trait in America. Approximately one in five- hundred African Americans and one in one thousand to one thousand and four hundred Hispanic-Americans have sickleRead MoreLab Experiment : Coin Lab950 Words   |  4 PagesCoin lab My group decided to look at how yeast would be transmitted by passing the coin without washing our hands. We also decided to look at how the yeast would be transmitted if a member of our group touched the coin and then a different member touched the fingertip of the person who touched the coin. Our final experiment was to see how the yeast would transmit if we did wash our hands. With our first experimentation, the group noticed that there was a lot of bubbling in the peroxide after itRead MoreMarilyn Monroe Reason For Presentation1524 Words   |  7 Pages Reason for Presentation: â€Å"I have severe, deep pain in my lower back, right leg and both arm that hasn’t resolved in 2 days.† History of Presenting Illness: Marilyn Monroe is a 22-year-old female with a known history of Sickle Cell Disease (Hemoglobin SS). She presented to the Emergency Department with excruciating â€Å"deep† pain, which she rates 9/10 to her lower back, right thigh, and both arms for two days. It has not resolved with oxycodone 10 mg as needed that she has at home. She reports sheRead MoreThe Disease Process Of Sickle Cell Anemia1770 Words   |  8 Pageslooks in depth at the disease process of sickle cell anemia. It starts out by covering the pathophysiology of the disease and how it functions within the body. The second section of the paper covers the ways to manage sickle cell anemia, whether it be by medication or blood transfusions, or both. The third section is meant to emphasize the important assessment details and how things should be prioritized for the patient with this disease; it also defines which lab values are most important to monitorRead MoreNewborn Screenings And A Systematic Framework1499 Words   |  6 Pagesare a testing procedure which is done when a baby is first born, or within a couple days of birth. A small blood sample is collected from the baby’s heel; it is then sent to a lab for processing. The baby’s blood is then tested (screened)for a variety of diseases and medical conditions. These conditions include sickle cell anemia and other hemoglobin disorders; conditions where a child is unable to process certain nutrients (such as PKU), or conditions where there is a hormonal insufficiency i.e

Lab Report Steam Distillation - 1025 Words

Introduction: Steam distillation is a process used often in chemistry to extract a particular component of a mixture at a temperature above the temperature where the substance starts to degrade. As a homogeneous mixture is cooled while being exposed to a component in gaseous form, the partial pressures of the parts (hypothetical pressure of a gas if it had the same volume as the total volume at the same temperature) increases over time. Extraction can occur when the sum of the partial pressures is greater than the atmospheric pressure. Two qualitative tests are conducted in this lab: one with KMnO4 and another using FeCl3. KMnO4 (potassium permanganate) is able to oxidize a double bond forming a 1,2-diol at room temperature. This tests for a presence of a double bond and a positive test is a color change from purple to brown. FeCl3 (iron (III) chloride) reacts with phenols, forming into chemical complexes with different colors. This tests for a presence of a phenol group and a positive test is a color change from yellow to blue, green, red, or purple. Eugenol, or clove oil, has a double bound with a phenol group attached to it so when tested with potassium permanganate and iron (III) chloride, positive results should occur. These tests will help check if eugenol was successfully extracted. The purpose of this experiment is to isolate clove oil from freshly ground cloves by steam distillation and then analyze the clove oil with the two tests described above. MaterialsShow MoreRelated0919 Lab Report 3 Steam Distillation and 4 Crystallization2457 Words   |  10 PagesReuven Ilyayev Lab Instructor: Maciej Domaradzki Labs 3 amp; 4 09/19/11 Objective: In steam distillation lab (lab 3), we must obtain pure Eugenol from cloves through the process of steam distillation. In the crystallization lab (lab 4) part 1, we must acquire the best possible pure crystallization of acetylsalicylic acid from aspirin and in part 2 we must obtain a similar pure crystallization of benzil from an impure mixture of benzil. Materials: In lab 3, we used 75 g of cloves fromRead MoreEssay about Extraction of Eugenol from Cloves Oil994 Words   |  4 PagesIsolation of Acetyleugenol (Clove Oil) from Cloves Purpose In this experiment, you will obtain the essential oil from cloves by steam distillation. You will then separate a component (acetyleugenol) from the oil by liquid-liquid extraction. Finally, you will isolate the acetyleugenol by using a rotovap for reduced pressure distillation, which will remove the organic solvent (dichloromethane). 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Cr (VI) is rather orange, but Cr (III) is dark green - therefore by oxidizing the alcohol (2-butanol), an orange Cr (IV) is reduced to green. NMR and IR tests were taken to determine the result, and the crystallized derivative ofRead MoreSalt-Water Mixture Lab Report1866 Words   |  8 Pagesobservations recorded throughout the duration of this experiment. First off, salt-water is a homogeneous mixture, meaning that the composition is uniform throughout. In addition, water is a substance that evaporates when exposed to heat and turns into steam. The water changed state from a liquid to a gas because the water reached its boiling point, while the salt was still in solid form, just as it had been in the mixture. In simpler words, salt-water can be separated through evaporation because waterRead MoreWbut Syllabus 1st Sem11442 Wor ds   |  46 PagesCODE: HU 101 CONTACT: 2L CREDIT: 2 PAPER NAME: ENGLISH LANGUAGE TECHNICAL Guidelines for Course Execution: Objectives of the Course: This Course has been designed 1. To impart advanced skills of Technical Communication in English through Language Lab. Practice Sessions to 1st Semester UG students of Engineering Technology. 2. To enable them to communicate confidently and competently in English Language in all spheres. Desired Entry Behaviour: The students must have basic command of English to TalkRead MoreAdipic Acid43555 Words   |  175 Pagestemperatures exceed 280 °C. Process control is achieved by using large amounts of nitric acid (Bayer Polymers, 2003). Nitrogen oxides are removed by bleaching with air, water is removed by vacuum distillation, and the adipic acid is separated from the nitric acid and KA mixture by distillation column. Liquid adipic acid is crystallized by crystallizer. Further refining, typically recrystallization from water is needed to achieve polymer-grade material. Every common reaction will have its ownRead MorePharmaeutical Industry Training Report with Deep Description of Different Area in Ibn Sina Pharmaceutical Industry Ltd.14426 Words   |  58 Pages|To Dry granules. | | |Origin: Bombay, India | | | |Vat Capacity:250 kg(Steam air) | | | |Company Name: Alliance Engineering ltd. | Read More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pagesstatistical methods are employed in reasonable and appropriate ways. 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Report on Hdfc Bank Free Essays

1 PROJECT FINAL REPORT ON BANKING BY JIGAR SONI AT Summer Internship Project 2 PROJECT TITLE A project report on COMPANY GUIDE FACULTY GUIDE ================ ============== Mr. Manish Panchal Prof. Pragna Kaul Branch Manager IBMR Ahmedabad Kapadwanj. We will write a custom essay sample on Report on Hdfc Bank or any similar topic only for you Order Now Prepared by : Jigar J Soni Roll no. 5 , Div – A IBMR _Ahmedabad Year – 2008/09 3 Acknowledgements If words are considered to be signs of gratitude then let these words Convey the very same My sincere gratitude to HDFC BANK for roviding me with an opportunity to work with BANK and giving necessary directions on doing this project to the best of my abilities. I am highly indebted to Mr. Manish Panchal. , Branch Manager and company project guide, who has provided me with the necessary information and also for the support extended out to me in the completion of this report and his valuable suggestion and comments on bringing out this report in the best way possible. I also thank Prof. Pragna Kaul, IBMR_Ahmedabad, who has sincerely supported me with the valuable insights into the completion of this project. I am grateful to all faculty members of IBMR_Ahmedabad and my 4 friends who have helped me in the successful completion of this project. 5 CONTENTS Sr. No. Subject Covered Page No. 1 Banking Structure in India 6-7 2 Indian Banking Industries 8-9 3 Upcoming Foreign Bank in India 10 4 HDFC BANK 11-12 5 Company Profile 13-15 6 Technology used 16-19 7 Product and Customer segments 20-23 8 Business Strategy 24-25 9 Inside Hdfc Bank 26-31 10 Rupee Earned – Rupee Spent 32-33 11 Recent Development 34-41 12 SWOT Analysis 42-48 13 Project on Plastic Money 49-55 6 BANKING STRUCTURE IN INDIA Scheduled Banks in India (A) Scheduled Commercial Banks Public sector Banks Private sector Banks Foreign Banks in India Regional Rural Bank (28) (27) (29) (102) †¢Nationalized Bank †¢Other Public Sector Banks (IDBI) †¢SBI and its Associates †¢Old Private Banks †¢New Private Banks (B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55) Scheduled State Cooperative Banks (31) 7 Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. These new banks have brought in state-of-the-art technology and Aggressively marketed their products. The Public sector banks are Facing a stiff competition from the new private sector banks. The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS. New Private Sector Banks †¢Superior Financial Services †¢Designed Innovative Products †¢Tapped new markets †¢Accessed Low cost NRI funds †¢Greater efficiency 8 INDIAN BANKING INDUSTRIES The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all ontributing to this growth. The country’s middle class accounts for over 320 million people. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion. 9 The Indian banking Industry is in the middle of an IT revolution, Focusing on the ex pansion of retail and rural banking. Players are becoming increasingly customer – centric in their approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the mportance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation. â€Å"Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,† says Prathima Rajan, analyst in Celent’s banking group and author of the report. â€Å"The banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players. UPCOMING FOREIGN BANKS IN INDIA By 2009 few more names is going to be added in the list of foreign banks in India. This is as an aftermath of the sudden interest shown 10 by Reserve Bank of India paving roadmap for foreign banks in India greater freedom in India. Among them is the world’s best private bank by EuroMoney magazine, Switzerland’s UBS. The following are the list of foreign banks going to set up business in India :- †¢Royal Bank of Scotland †¢ †¢Switzerland’s UBS †¢ †¢US-based GE Capital †¢ †¢Credit Suisse Group †¢ †¢Industrial and Commercial Bank of China WE UNDERSTAND YOUR WORLD The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an ‘in principle’ approval from the 11 Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI’s liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of ‘HDFC Bank Limited’, with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. HDFC is India’s premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian nvironment. HDFC Bank began operations in 1995 with a simple mission : to be a 12 â€Å" World Class Indian Bank. † We realized that only a single minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. COMPANY PROFILE STRONG NATIONAL NETWORK 13 HDFC BANK As of March 31, 2008, the Bank’s di stribution network was at 761 Branches and 1977 ATMs in 327 cities as against 684 branches March 2006 March 2007 March 2008 Citied 228 316 327 Branches 535 684 761 ATMs 1323 1605 1977 14 nd 1,605 ATMs in 320 cities as of March 31, 2007. Against the regulatory approvals for new branches in hand, the Bank expects to further expand the branch network by around 150 branches by June 30, 2008. During the year, the Bank stepped up retail customer acquisition with deposit accounts increasing from 6. 2 million to 8. 7 million and total cards issued (debit and credit cards) increasing from 7 million to 9. 2 million. Whilst credit growth in the banking system slowed down to about 22% for the year ended 2007-08, the Bank’s net advances grew by 35. 1% with retail advances growing by 38. % and wholesale advances growing by 30%, implying a higher market share in both segments. The transactional banking business also registered healthy growth With cash management volumes increased by around 80% and trade services volumes by around 40% over the previous year. Portfolio quality as of March 31, 2008 remained healthy with gross nonperforming assets at 1. 3% and net non-performing assets at 15 0. 4% of total customer assets. The Bank’s provisioning policies for specific loan loss provisions remained higher than regulatory requirements. TECHNOLOGY USED IN HDFC BANK In the era of globalization each and every sector faced the stiff competition from their rivals. And world also converted into the flat from the globe. After the policy of liberalization and RBI initiatives to take the step for the private sector banks, more and more changes 16 are taking the part into it. And there are create competition between the private sector banks and public sector bank. Private sector banks are today used the latest technology for the different transaction of day to day banking life. As we know that Information Technology plays the vital role in the each and every ndustries and gives the optimum return from the limited resources. Banks are service industries and today IT gives the innovative Technology application to Banking industries. HDFC BANK is the leader in the industries and today IT and HDFC BANK together combined they reached the sky. New technology changed the mind of the customers and changed the queue concept from the history banking transaction. Today there are different channels are available for the banking transactions. We can see that the how technology gives the best results in the below diagram. There are drastically changes seen in the use of Internet banking, in a year 2001 (2%) and in the year 2008 ( 25%). These type of technology gives the freedom to retail customers. 17 Centralized Processing Units Derived Economies of Scale Electronic Straight Through Processing Reduced Transaction Cost Data Warehousing , CRM Improve cost efficiency, Cross sell Innovative Technology Application Provide new or superior products HDFC BANK is the very consistent player in the New private sector banks. New private sector banks to withstand the competition from public sector banks came up with innovative products and superior service. 2001 18 Branches 43% ATM 40% Phone Banking 14% Internet 2% Mobile 1% 2005 Branches 17% ATM 45% Phone Banking 12% Internet 25% Mobile 1% ( % customer initiated Transaction by Channel ) 19 HDFC BANK PRODUCT AND CUSTOMER SEGMENTS PERSONAL BANKING Loan Product Deposit Product Investment Insurance †¢Auto Loan †¢Loan Against Security †¢Loan Against Property †¢Personal loan †¢Credit card †¢2-wheeler loan †¢Commercial vehicles finance †¢Home loans †¢Retail business banking †¢Tractor loan †¢Working Capital Finance †¢Construction Equipment Finance †¢Health Care Finance †¢Education Loan †¢Gold Loan †¢Saving a/c †¢Current a/c †¢Fixed deposit †¢Demat a/c †¢Safe Deposit Lockers †¢Mutual Fund †¢Bonds †¢Knowledge Centre †¢Insurance †¢General and Health Insurance †¢Equity and Derivatives †¢Mudra Gold Bar 20 Cards Payment Services Access To Bank †¢Credit Card †¢Debit Card †¢Prepaid Card —————————- —- Forex Services —————————- —- †¢Product Services †¢Trade Services †¢Forex service Branch Locater †¢RBI Guidelines †¢NetSafe †¢Merchant †¢Prepaid Refill †¢Billpay †¢Visa Billpay †¢InstaPay †¢DirectPay †¢VisaMoney Transfer †¢e–Monies Electronic Funds Transfer †¢Online Payment of Direct Tax †¢NetBanking †¢OneView †¢InstaAlert MobileBanking †¢ATM †¢Phone Banking †¢Email Statements Branch Network 21 WHOLESALE BANKING Corporate Small and Medium Enterprises Financial Insti tutions and Trusts †¢Funded Services †¢Non Funded Services †¢Value Added Services †¢Internet Banking †¢Funded Services †¢Non Funded Services †¢Specialized Services †¢Value added services †¢Internet Banking BANKS †¢Clearing Sub- Membership †¢RTGS – submembership †¢Fund Transfer †¢ATM Tie-ups †¢Corporate Salary a/c †¢Tax Collection Financial Institutions Mutual Funds Stock Brokers Insurance Companies Commodities Business Trusts BUSINESS MIX 22 Total Deposits Gross Advances Net Revenue Retail Wholesale †¢HDFC Bank is a consistent player in the private sector bank and have a well balanced product and business mix in the Indian as well as overseas markets. †¢Customer segments (retail wholesale) account for 84% of Net revenues ( FY 2008) †¢Higher retail revenues partly offset by higher operating and credit costs. †¢Equally well positioned to grow both segments. . 23 NRI SERVICES Accounts Deposits Remittances †¢Rupee Saving a/c †¢Rupee Current a/c †¢Rupee Fixed Deposits †¢Foreign Currency Deposits †¢Accounts for Returning Indians †¢North America †¢UK †¢Europe †¢South East Asia †¢Middle East †¢Africa †¢Others Quick remit IndiaLink Cheque LockBox Telegraphic/ Wire Transfer Funds Transfer Cheques/DDs/TCs Investment Insurances Loans †¢Mutual Funds †¢Insurance †¢Private Banking †¢Portfolio Investment Scheme †¢Home Loans †¢Loans Against Securities †¢Loans Against Deposits †¢Gold Credit Card Payment Services Access To Bank †¢NetSafe †¢BillPay †¢InstaPay †¢DirectPay †¢Visa Money †¢Online Donation †¢NetBanking †¢OneView †¢InstaAlert †¢ATM †¢PhoneBanking †¢Email Statements †¢Branch Network 24 BUSINESS STRETEGY HDFC BANK mission is to be â€Å"a World Class Indian Bank†, benchmarking themselves against international standards and best ractices in terms of product offerings, technology, service levels, risk management and audit compliance. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments, and to achieve a healthy growth in profitability, consistent with the Bank’s risk appetite. Bank is committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance. Continue to develop new product and technology is the main business strategy f the bank. Maintain good relation with the customers is the main and prime objective of the bank. HDFC BANK business strategy emphasizes the following : 25 †¢Increase market share in India’s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. †¢Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. †¢Maintain current high standards for asset quality through disciplined credit risk management. Devel op innovative products and services that attract the targeted customers and address inefficiencies in the Indian financial sector. †¢Continue to develop products and services that reduce bank’s cost of funds. †¢Focus on high earnings growth with low volatility. 26 INSIDE HDFC BANK FIVE â€Å"S† , PART OF KAIZEN WORK PLACE TRANSFORMATION Focus on effective work place organization Believe in â€Å" Small changes lead to large improvement † Every successful organization have their own strategy to win the race in the competitive market. They use some technique and methodology for smooth running of business. HDFC BANK also aquired the Japanese technique for smooth running of work and effective work place organization. Five ‘S’ Part of Kaizen is the technique which is used in the bank For easy and systematic work place and eliminating unnecessary things from the work place. BENEFIT OF FIVE â€Å"S† 27 †¢It can be started immediately. †¢Every one has to participate. †¢Five â€Å" S† is an entirely people driven initiatives. †¢Brings in concept of ownership. †¢All wastage are made visible. FIVE ‘S’ Means :- S-1 SORT SEIRI S-2 SYSTEMATIZE SEITON S-3 SPIC-N-SPAN SEIRO S-4 STANDARDIZE SEIKETSU S-5 SUSTAIN SHITSUKE (1) SORT :- It focus on eliminating unnecessary items from the work place. It is excellent way to free up valuable floor space. It segregate items as per â€Å"require and wanted†. (2) SYSTEMATIZE :- Systematize is focus on efficient and effective Storage method. Frequently Requir ed Less Frequently Requir ed Remove everything from workplace Junk Wanted but not Required Junk 28 That means it identify, organize and arrange retrieval. It largely focus on good labeling and identification practices. Objective :- â€Å"A place for everything and everything in its place†. (3) SPIC- n – SPAN :- Spic-n-Span focuses on regular clearing and self nspection. It brings in the sense of ownership. (4) STANDERDIZE :- It focus on simplification and standardization. It involve standard rules and policies. It establish checklist to facilitates autonomous maintenance of workplace. It assign responsibility for doing various jobs and decide on Five S frequency. (5) SUSTAIN:- It focuses on definin g a new status and standard of organized work place. Sustain means regular training to maintain standards developed under S-4. It brings in self- discipline and commitment towards workplace organization. 29 LABELLING ON FILE FILE NUMBER SUBJECT FROM DATE TO DATE OWNER BOX LABEL For Example 1 / 3 / A / 6 1 – Work Station (1) 3 – Drawer (3) A – Shelf (A) 6 – File Number ( 6) 30 COLOUR CODING OF FILES DEPARTMENT Welcome Desk Personal Banker Teller Relationship Manager Branch Manager Demat Others In the HDFC BANK each department has their different color coding apply on the different file. Due to this everyone aware about their particular color file which is coding on it and they save their valuable time. It is a part of Kaizen and also included in the system of the Five ‘S’. Logic behind it that , the color coding are always differentiate the things from the similar one. 31 HUMAN RESOURCES The Bank’s staffing needs continued to increase during the year particularly in the retail banking businesses in line with the business growth. Total number of employees increased from 14878 as of March31,2006 to 21477 as of March 31, 2007. The Bank continues to focus on training its employees on a continuing basis, both on the job and through training programs conducted by internal and external faculty. The Bank has consistently believed that broader employee ownership of its shares has a positive impact on its performance and employee motivation. The Bank’s employee stock option scheme so far covers round 9000 employees. 32 RUPEE EARNED – RUPEE SPENT It is more important for every organization to know about from where and where to spent money. And balanced between these two things rupee earned and rupee spent are required for smooth running of business and financial soundness. This type of watch can control and eliminate the unnecessary spending of business. In this diagram it include both things from where Bank earned Rupee and where to spent. 33 HDFC BANK earned from the ‘Interest from Advances’ 51. 14 % , ‘Interest from Investment’ 27. 12 %, bank earned commission exchange and brokerage of 15. 25 %. These are the major earning sources of the bank. Bank also earned from the Forex and Derivatives and some other Interest Income. Bank spent 39. 75 % on Interest Expense, 30. 27 % on Operating Expense and 14. 58 % on Provision. Bank also spent Dividend and Tax on dividend, Loss on Investment , Tax. As we discuss above that balancing is must between these two for every organization especially in the era of globalization where there are stiff competition among various market players. RECENT DEVELOPMENT 34 The Reserve Bank of India has approved the scheme of amalgamation of Centurion Bank of Punjab Ltd. ith HDFC Bank Ltd. with effect from May 23, 2008. All the branches of Centurion Bank of Punjab will function as branches of HDFC Bank with effect from May 23, 2008. With RBI’s approval, all requisite statutory and regulatory approvals for the merger have been obtained. 35 The combined entity would have a nationwide network of 1167 branches; a strong deposit base of around Rs. 1,22, 000 crores and net advances of around Rs. 89,000 crores. The balance sheet size of the combined entity would be over Rs. 1,63,000 crores. Merger with Centurion Bank of Punjab Limited On March 27, 2008, the shareholders of the Bank accorded their consent to a scheme of amalgamation of Centurion Bank of Punjab Limited with HDFC Bank Limited. The shareholders of the Bank approved the issuance of one equity share of Rs. 10/- each of HDFC Bank Limited for every 29 equity shares of Re. 1/- each held in Centurion Bank of Punjab Limited. This is subject to receipt of Approvals from the Reserve Bank of India, stock exchanges and Other requisite statutory and regulatory authorities. The shareholders Also accorded their consent to issue equity shares and/or warrants onvertible into equity shares at the rate of Rs. 1,530. 13 each to HDFC Limited and/or other promoter group companies on preferential basis, subject to final regulatory approvals in this regard. The Shareholders of the Bank have also approved an increase in the authorized capital from Rs. 450 crores to Rs. 550 crores. 36 Promoted in 1995 by Housing Development Finance Corporation (HDFC), India’s leading h ousing finance company, HDFC Bank is one of India’s premier banks providing a wide range of financial products and services to its over 11 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments. The bank’s competitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 13 years, the bank has successfully gained market share in its target customer franchises while maintaining healthy rofitability and asset quality. 37 As on March 31, 2008, the Bank had a network of 761 branches and 1,977 ATMs in 327 cities. For the year ended March 31, 2008, the Bank reported a net profit of INR 15. 90 billion (Rs. 1590. 2crore), up 39. 3%, over the corresponding year ended March 31, 2007. As of March 31, 2008 total deposits were INR 1007. 69 billion, (Rs. 100,769 crore) up 47. 5% over the corresponding year ended March 31, 2007. Total balance sheet size too grew by 46. 0% to INR 1,331. 77 billion (133177 crore). Leading Indian and international Publications have recognized the bank for its performance and quality. Centurion Bank of Punjab is one of the leading new generation private sector banks in India. The bank serves individual consumers, small and medium businesses and large corporations with a full range of financial products and services for investing, lending and 38 advice on financial planning. The bank offers its customers an array of wealth management products such as mutual funds, life and general insurance and has established a leadership ‘position’. The bank is also a strong player in foreign exchange services, ersonal loans, mortgages and agricultural loans. Additionally the bank offers a full suite of NRI banking products to Overseas Indians. On 29th August 2007, Centurion Bank of Punjab merged with Lord Krishna Bank (LKB), post obtaining all requisite statutory and regulatory approvals. This merger has further strengthened the geographical reach of the Bank in major towns and cities across the country, especially in the State of Kerala, in addition to its existing dominance in the northern part of the country. Centurion Bank of Punjab now operates on a strong nationwide ranchise of 404 branches and 452 ATMs in 190 locations across the country, supported by employee base of over 7,500 employees. In addition to being listed on the major Indian stock exchanges, the Bank’s shares are also listed on the Luxembourg Stock 39 Exchange. ACHIEVEMENT IN 2007 Business Today- Monitor Group survey One of India’s â€Å"Most Innovative Companies† Financial Express- Ernst Young Award Best Bank Award in the Private Sector category 40 Global HR Excellence Awards – Asia Pacific HRM Congress: ‘Employer Brand of the Year 2007 -2008’ Award – First Runner up, many more Business Today ‘Best Bank’ Award Dun Bradstreet – American Express Corporate Best Bank Award 2007 ‘Corporate Best Bank’ Award The Bombay Stock Exchange and Nasscom Foundation’s Business for Social Responsibility Awards 2007 ‘ Best Corporate Social Responsibility Practice’ Award Outlook Money NDTV Profit Best Bank Award in the Private sector category. The Asian Banker Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker HDFC BANK Managing Director Aditya Puri wins the Leadership Achievement Award for India 41 SWOT ANALYSIS STRENGTH †¢Right strategy for the right products. †¢Superior customer service vs. competitors. WEAKNESSES †¢Some gaps in range for certain sectors. †¢Customer service staff need training. 42 †¢Great Brand Image †¢Products have required accreditations. †¢High degree of customer satisfaction. †¢Good place to work †¢Lower response time with efficient and effective service. †¢Dedicated workforce aiming at making a long-term career in the field. †¢Processes and systems, etc †¢Management cover insufficient. †¢Sectoral growth is constrained by low unemployment levels and competition for staff 3 Opportunities †¢Profit margins will be good. †¢Could extend to overseas broadly. †¢New specialist applications. †¢Could seek better customer deals. †¢Fast-track career development opportunities on an industry-wide basis. †¢An applied research centre to create opportunities for developing techniques to provi de added-value services. Threats †¢Legislation could impact. †¢Great risk involved †¢Very high competition prevailing in the industry. †¢Vulnerable to reactive attack by major competitors †¢Lack of infrastructure in rural areas could constrain investment. †¢High volume/low cost market is intensely ompetitive. 44 COMPETITIVE SWOT ANALYSIS WITH ICICI BANK STRENGTHS WEAKNESSES O P P O R T U N I T I E S S – O Strategies Strength: Large Capital base. Opportunity: Market Expansion. Strategy: Deep Penetration into Rural Market. W – O Strategies Weakness: Workforce Responsiveness. Opportunity: Outsourcing of Non – Core Business. Strategy: Outsource Customer Care other E-Helps. T H R E A T S S – T Strategies Strength: Low operating costs Threat: Increased Competition from others Pvt. Banks. Strategy: Steps to Ensure Loyalty by old Customers. W – T Strategies Weakness: Not Equal to International Standards. Threat: Entry of many Foreign Banks. Strategy: Consider additional benefits 45 Detailed Analysis: i. Strength – Opportunity Analysis. Strength: It is well know that ICICI Bank has the largest Authorised Capital Base in the Banking System in India i. e. having a total capacity to raise Rs. 19,000,000,000 (Non – Premium Value). Opportunity: Seeing the present financial economic development of Indian Economy and also the tremendous growth of the Indian Companies including the acquisition spree followed by them, it clearly states the expanding market for finance requirements nd also the growth in surplus disposal income of Indian citizens has given a huge rise in savings deposits – from the above point it is clear that there is a huge market expansion possible in banking sector in India. Strategy: From the analysis of Strength Opportunity the simple and 46 straight possible strategy for ICICI Bank could be – to penetrate into the rural sector of India for ex panding its market share as well as leading all other Pvt. Banks from a great gap. ii. Strength – Threat Analysis. Strength: ICICI Bank is not only known for large capital but also for having a ow operations cost though having huge number of branches and services provided. Threat: After showing a significant growth overall, India is able to attract many international financial banking institutes, which are known for their state of art working and keeping low operation costs. Strategy: To ensure that ICICI Bank keeps going on with low operation cost have continuous business it should simply promote itself well provide quality service so as to ensure customer loyalty, therefore guaranteeing continuous business. 47 iii. Weakness – Opportunity Analysis. Weakness: It is well known that workforce responsiveness in banking sector is Very low in Indian banking sector, though ICICI Bank has better responsible staff but it still lacks behind its counterparts like HSBC, HDFC BANK, CITI BANK, YES BANK etc. Opportunity: In the present world, India is preferred one of the best places for out – sourcing of business process works and many more. Strategy: As international companies are reaping huge benefits after out- sourcing there customer care BPO’s, this same strategy should be implemented by ICICI Bank so as to have proper customer ervice without hindering customer expectations. 48 iv. Weakness – Threat Analysis. Weakness: Though having a international presence, ICICI Bank has not been able to keep up the international standards in providing customer service as well as banking works. Threat: In recent times, India has witnessed entry of many international banks like CITI Bank, YES Bank etc which posses an external entrant threat to ICICI Bank – as this Banks are known for their art of working and maintain high standards of customer service. Strategy: After having new entrants threat, ICICI Bank should come up with More additional benefits to its customer or may be even reduce some fees for any additional works of customers. 49 PROJECT ON PLASTIC MONEY PLASTIC MONEY PLASTIC MONEY I give the project on Plastic Money to bank. The objective behind this project is to increase the rich customers list in a bank. Plastic Money title itself says the use of Credit Card and Debit Card in day to day transaction of the business. I prepared the presentation on it and 50 submitted to bank and Bank already started work on this project. Idea behind this project is to sale the bulk product. Target customer Of this project are two parties one is Wholesaler and second is Retailer. Due to this idea bank also sell their swipe machine to wholesaler and create brand image in the market. The idea behind this, bank give the credit card swipe machine to wholesalers and retailers use the credit card of the bank. Bank gives the 50 days credit to their credit card holders. So here retailers can get benefit of long credit period and on the other side wholesalers can get the benefit of same day payment. As a result bank got the wide list of customers of wholesalers and retailers. How to cite Report on Hdfc Bank, Papers

Businesss Research

Question : Q. 1 What is the Problem Discussed in the Paper? Q. 2 What is Main Hypothesis of the Paper? Q. 3 In the Literature, how many Studies have been Reviewed to Establish the link With Previous Research? Q.4 What type of Data is used in the Study? Q.5 What is the Methodology of the Study? Q.6 What are the Main Findings and Conclusions of the Study? Answer : BUSINESS RESEARCH 1 The main problem under discussion is the global financial crisis of 2008. The author has indicated that this is the worst evet crisis since the Great Depression. The explains that there are good lessons that economist can now learn from the global financial crisis of 2008 because there is a vast data to assist in the interpretation of the causes of crises as well as suggest actions to take and those to reject to speak to these causes of the crises. 2 The main hypothesis of the paper is how to build a resilient economic system. The author is convinced that we must understand the lessons learnt from the global financial crisis alongside other 100 or so other crises already experienced to build such a system. The author suggest that we can understand the global financial crisis as a result of the regulation failure. 3 It is not clear the number of studies that have been reviewed to establish the connection to previous studies. However, it is based on a revised version of the lecture presented at the Seoul National University on 2009-10-27. The author remains obliged to Jill Blackford and Eamon Kircher-Allen for the preparation of the lecture for publishing. The lecture is anchored on study supported partially by the Ford and Hewlett Foundations with a fuller articulation of several of the ideas as well as references to the study on which they are anchored being entailed in freefall (America, Free Markets as well as the Sinking of the Global Economy, New York: WW Norton, 2009.) 4 The study has used the data on the global financial crisis. 5 The methodology of the study is a systematic review of literature. 6 The study concluded that even though banks can be blamed for causing this crisis, we should as well blame ourselves somehow due to our failure to manage our response to crisis effectively. People failed to manage the crisis in a manner that ensures we utilize our resources full potential. The author concludes by acknowledging the importance of Keynesians tools and intellectual frameworks to speak to crisis aftermath. However, he remains in serious doubt whether people will make good use of Keynesian frameworks and tools.

My Safe-Haven free essay sample

At the end of the dimly lit hallway patiently awaits a pure white door. On it protrudes a sparkling, light blue â€Å"H,† indicating to whom the oasis beyond belongs. Underneath this blue emblem of hope sits a four-by-six picture of Lilo from the animated Disney film â€Å"Lilo Stitch† in which she’s lying on the floor by a red, used record player. Beside the consoling source of music is a scattered mess of records with a quote from the movie underneath Lilo, saying â€Å"Leave me alone to die,† a fair warning to those who try to disturb the tranquility beyond the tall, white barrier. A large, spherical, glittering bell hanging from a clean white ribbon that has been tied on the door handle chimes a sweet welcome to me as I push down the cool smooth lever and slowly swing the door open. A burst of warm sunlight fills my eyes and swells in my chest as I enter my personal bright blue paradise. We will write a custom essay sample on My Safe-Haven or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page On the wall opposite the door hangs a large framed poster with the Chinese characters of the different elements that was a present some few years ago covered only with a few small tears and wrinkles on the shiny, almost perfect surface. Beneath the poster sits a trouble-free white desk with a drawer to the left filled to the top with visibly used playing cards, pictures, notes passed between my friends and me, and other odd doo-dads that I have collected over the years. I run my hand along the worn spines of my beloved and favorite books – all tales of fantasy and adventure – and am tempted to pick one up and enjoy the journey they take me on. Then, my eye is caught by several memoirs left to me by my closest friends who live many miles away. I gingerly pick up a doll caricature of myself sent to me from my soul-sister, reminding me of the funny comics we would draw of our made-up adventures. Along the base of the books and framed collage of pictures of my best friend s and me sits a snow globe in which a smiling ballerina in a pink leotard and tutu is poised with on toes perfectly pointed, never tiring, never moving, even when the whimsical music chimes softly to which she is inclined to dance. Though the books call to me to embark in the journey hidden beneath their covers, and the memoirs bring out happy memories of days past, I turn and sit in my large lime-green papasan chair rubbing my hands on the ever-smooth and cushiony fabric. The fabric was as soft and cool as if I were sitting enfolded in a large bed of lush green grass, which still smells of cotton candy perfume, thanks to my sister who had sprayed it on years prior. To the left of where I comfortably sit confidently stands my crisp, white closets doors which are adorned in a large poster of one of my favorite tales of hope and adventure: Narnia. My bed lies a few feet before the closet, a bright, blithe, multi-colored comforter on top, covered in stripes, polka dots, and checkers in a blend that makes it appealing to the eye, reminding me of the brightly colored candy Starbursts. Three multicolored polka dotted pillows are stacked neatly on top with two bright blue pillows as fluffy and light-hearted as a pood le covering them, though all but two pillows will be removed to make more room on the inviting bed when night comes and only one will actually be used. The covers remain neatly smoothed and placed with care precise perfection, as if one single wrinkle could ruin the alluring appearance. To the left of my bed and its bright orange nightstand is a clean, brand new, white bookshelf with every other square cubby filled with either a lime green or pink fabric drawer that is easily pulled out by the flimsy but durable handle attached to the front. In the open cubbies, many books and school textbooks stand straight or slanted with slightly worn spines. In the fabric drawers are some of my most used possessions: my painting sets, my colored pencils and markers, some reference books, several sketchbooks filled from cover to cover, and an unfinished story whose end comes slowly. The flat top of the waist-high book shelf is covered with my many stuffed animals organized in a manner that makes them appear to be calling to me, still smooth and downy from the gentle and delicate care received through many years. I close my eyes a moment and enjoy the soft breeze my ceiling fan cheerfully dances across my face gently tussling my hair. I love the continuous, quiet, twirling sound of the fan that is so peaceful, it is almost hypnotic. As the fan beats and the sun warms and comforts me I begin to grow weary. I smile to myself unconsciously in content happiness as a lavender dream catcher twirls overhead, keeping dreams of fear far from me.

Should Experimental tests on O essays

Should Experimental tests on O essays Should Experimental tests on Obedience be performed? Through the years many psychologists have studied how human beings follow authority or a group over their own conscience in many cases. Yet, people have also shown that they can go against authority and do what they feel right. Is being obedient wrong? In many cases obedience is necessary to live communal lives. Yet, if this obedience makes you go against your own conscience and harm another human being you should not obey. Another question posed is if performing experiments on obedience is harmful? In an experiment performed by Stanley Milgram, how much pain an ordinary citizen would inflict on another person if ordered to by an experimenter was tested. The study took place in a laboratory at Yale University where people were randomly selected off the street and paid to be part of the study. The study consisted of a learner who was read word pairs and asked to remember them. The teacher was to read off the word pairs and then ask the learner to pair the words correctly. If the learner answers incorrectly the teacher would give the learner a shock. As the learner answered more questions incorrectly the shock voltage would increase. Each teacher received a sample shock of 45 volts to show the authenticity of the machine. Yet, in reality the learner did not receive any shocks and he was really an actor. As the voltage increases the actor or learner begins to complain of pain and at 150 volts he demands to be released. Through the experiment many become tense and ask the experim enter to stop but are urged to continue. About 60% of the people drawn from every stratum of New Haven were fully obedient to the experimenter (Milgram, 351). When the teachers had to forcibly push the learners hand onto the shock plate 30% were willing to deliver 450 volts (Milgram, 352). Also, when the experimenter was communicating by phone only a third as many people were obedient through 450 volts...

Enlightment Essay Example | Topics and Well Written Essays - 250 words

Enlightment - Essay Example He considered education a tool for enlightenment which needed to be observed at all costs. Freedom of religion was also taken into consideration and was considered equally important. Frederick the Great also wrote many books about religion. He allowed his subjects to believe in any type of religion they liked (Murvar, 2013). Frederick is also considered as enlightened despot because of his contribution to promoting industry, commerce and agriculture. He reorganized the indirect taxes system, which provided the state with additional revenue than before. Additionally, Frederick the Great is considered as an enlightened despot because his mother brought him up with the educational values of the enlightenment. In his childhood, his mother tutors who were in a position to teach him poetry. French culture and the Greek classical literature. His father also insisted that he needed to be taught matters related to politics and military. Therefore, he became a military genius (Halpern, 2007). Lastly, Frederick became a patron of arts and sciences. He was also a talented musician, writing flute sonatas. At some point, he corresponded with intellectual leaders of enlightenment such as Voltaire. In his scientific work, he encouraged the Berlin academy and encouraged architects to build elaborate buildings and structures. Such structures and buildings established Berlin as a cultural capital (Halpern,

Edgar Allan Poes Essay Example | Topics and Well Written Essays - 750 words

Edgar Allan Poes - Essay Example Both the stories are written using the same technique by Edgar Allan Poe. He has used the narrator as a tool to describe the events in both the stories. This essay would further revolve around the two stories and present the differences and similarities found in both the stories. Edgar Allan Poe has explicably written both the works to show the madness that is prevalent in the world. He uses the technique of a narrative to describe both the stories along with the justice that is served in the ending of both stories (Poe 375). Poe uses the first person experience to narrate both the stories so that the readers can take an insight in the scenes of the horror fiction. Poe gives a detailed explanation of the lives of the two narrators in the stories aforementioned in the beginning so that the readers can grasp the scenes of the story. Both the stories follow the genre of horror and fear as the author shows psychological trauma and fear in the characters that are being played by the narra tors. These themes can be clearly seen in the quote taken from the story ‘The Tell Tale Heart’ which says ‘I cut off the head and the arms and the legs’(Poe 7). ... â€Å"The Tell Tale Heart† and â€Å"The Black Cat† depict the extent to which a human being can go and the narrative serves to explain the reader that the narrators are not as mentally sound as they argues that they are. The mental state of both the narrators can clearly be said to be inappropriate even though they argue that they are sane enough. In both the stories the narrators are the killers and they kill for reasons that are only known to them. It can be seen that both the works have quite a lot of similarities but upon close analysis it can also be seen that the works have a difference. In the ‘The Black Cat’ the narrator kills the cat and his wife unintentionally whereas in â€Å"The Tell Tale† the narrator plans out to kill the old man as he fears his eye. Poe places the factor of anger differently in both the stories as it is seen that the narrator in â€Å"The Black Cat† takes out his anger on a living thing that can possibly not r esist. However in â€Å"The Tell Tale† it is seen that the narrator takes out anger on a person who can resist. It is also seen that the beginning in both the stories is different as in ‘The Tell Tale’ the narrator gives out the ending in the opening paragraphs whereas in ‘The Black Cat’ the narrator gives the whole account at the end of the story. The plot of the stories is shown differently to the readers by Poe to but in the end both the narrators are caught for the crime that they commit. In conclusion it can be said that Poe has written two classical works in the genre of horror to present the insanity of individuals in a different perspective. He has used the object of fear as a tool to describe the scenes in the stories so that the readers

Analizying Poems Essay Example | Topics and Well Written Essays - 1500 words

Analizying Poems - Essay Example In sum, the poems sound like reminders for human beings to adjust their actions, perspectives and livelihoods in order for them to live in ways that are sensitive to some of the issues that lie hidden away from unperceiving eye, and which cause much of human suffering that is witnessed in the modern world. The Sound of Silence Garfunkel’s poem, â€Å"The Sound of Silence,† illustrates a moment of awakening for the speaker. In the first line, he refers to darkness as an â€Å"old friend,† (Garfunkel 1). The hidden meaning is that the speaker has lived with or in this darkness for a long time. Symbolically, this darkness represents ignorance and a general loss of direction and common sense. In a broad sense, this poem invites the readers to examine their own live in order to redeem themselves from systems of darkness, which systematically prevent them from the pleasures and joy of reality. In lines 12 and 13, the speaker talks of , â€Å"When my eyes were stabbed by the flash of a neon light/ That split the night,† (Garfunkel 12, 13). This moment appears to be the supreme moment of awakening. Symbolically, the darkness could imply the common misconceptions, prejudices, dogma, indoctrination and other kinds of information that cannot stand the test of credibility. Such systems have the effect of blinding humanity from the real truths. They are also the causes of suffering, conflicts, and other ills, which afflict societies. This poem is a mockery to the modern discourse of communication and human existence, which have eroded the natural sense of humanity. The poem relies significantly on figurative language to make meaning out of the many issues of general human interest. The poet directs the readers to some of the important issues that are often ignored by humanity in their rash to meet their daily needs. Generally, the poet seeks to remind humanity of some of the basic concerns that must be addressed in order for people to live in tot ality. By assigning the quality of sound to silence, the poet employs the technique of inversion and contrast to achieve his thematic objectives. Blowin’ in the Wind In the poem â€Å"Blowin’ in the Wind† the poet uses the technique of questioning to interrogate some of the weaknesses that prevent people from finding solutions to issues that appear to be quite ordinary. The question, â€Å"How many...?,† is repeated severally throughout the poem. At every instance, the question is directed towards a different subject, which, in essence, comprises the underlying themes in the poem. Such themes include death and suffering, negligence, loveless relations, reward, recognition and the permanence of phenomena. The persona delves into multiple issues that concern a range of subjects of human interest. In the first two lines, the poet appears to hint at the theme of human struggle: â€Å"How many roads must a man walk down/ Before you call him a man?† (Dyl an 1, 2). This line captures the futility of human efforts, which lead man to engage in multiple struggles, which are often poorly rewarded. This line reads like an indictment to the unfeeling world that fails to recognize the selfless struggles and sacrifice that some people engage into for the sake of improving the welfare of the society. This line could apply to themes of poor working conditions in the modern employment sector and other roles that fail to attract the necessary rewards and acknowledgement from people. The other question, â€Å"

Literature On Solid Waste Management In Nigeria Environmental Sciences Essay

Literature On Solid Waste Management In Nigeria Environmental Sciences Essay Research both past and present into solid waste in Nigeria like most developing countries with an absence of adequate solid waste management system has been focused more on adequate collection and disposal options than on the waste generators, storage or even an avenue for waste reduction which aids in reuse and recycling, hence creating major gaps. These gaps are areas that need to address to ensure that there is a sustainable management of solid waste generated to prevent environmental hazards. 2.1.1 Purpose of the Literature Review This chapter review gives an overview of the situation of solid waste management in developing countries critically examining and summarising studies by various researchers in academic books, professional and academic journals, published and unpublished works and electronic media. This literature review would aid in identifying appropriate methodology to achieve the aim of this research. In addition, source separation a relatively understudied concept has been identified and recommended by many researchers as an avenue for waste reduction. It has also been suggested as providing alternative means of practicing proper waste management apart from collection and disposal. (Cointreau-Levine Gopalan, 2000:Imam et al, 2008) This study into institutional solid waste management with the aim of identifying dynamics that influence/affect separation at source at households in the campus will create a means of addressing waste reduction and proper implementation of solid waste management options. According to UNEP (2005), the logical starting point for the proper management of solid waste is to reduce the amounts of waste managed, either informally within the generators site or formally (externally) by another entity once the waste is discarded by the generator. Thereby reducing waste quantities collected or otherwise managed. 2.1.2 Literature Search The search for literature can be very time consuming and futile if proper strategies are not developed. To aid in the literature search, the following was prepared: Firstly, the topic, boundary (Developing countries: Nigeria) and problem statement was agreed on. Then I identified of the disciplines with a stake in solid waste. They include: Health, Science and Technology Waste Waste Management Environmental Urban Secondly, Keywords broad and narrow were developed. They are: Municipal Solid waste , Solid waste Management Institutional Solid Waste Separation at source , Source separation Waste segregation, separation Household solid waste manag* Participation/Incentives in solid waste Motivating factors, attitudinal behaviours Solid waste management in Nigeria University of Benin To this end, the author sought the advice of the WEDC resource centre manager. She showed me books and journals on solid waste (management) but told me that most of the journals were available online for latest on any research and my search will be more extensive using the internet. She also recommended the use of Loughborough University, search engine Metalib, for searching and interrogation of the various databases for articles and journals on the subject matter (Science direct, CSA illumina) Following her recommendation and my initial write up, a data interrogation search was done using Metalib on the following database using the keywords above, either truncated, with * or adding two keyword together using the OR because the AND was giving irrelevant data . Environmental Sciences and Pollution management Abstracts (CSA Illumina) Aqualine (CSA Illumina) Science Direct From this site, the following journals were found with relevant data. Waste Management Waste Management and Research Habitat International Environmental Management Resource, Conservation and Recycling Google Search Engine and Goggle Scholar were searched using the keywords above. The sources of information obtained include: More Journals articles from the above stated journals Solid waste Management Volume 1:United Nation Environmental Programme (UNEP) J.C Agunwanba:(Google scholar) with articles on Waste management in some parts of Nigeria The World Bank; Urban Solid Waste management (community initiatives) WEDC WELL factsheets and studies: solid waste management I chose this approach to ensure an extensive and appropriate search in all areas of solid waste management and Research into developing countries of which Nigeria is apart. My use of the Internet was to ensure that as many recent journals, conferences and researches in Nigeria are available for scrutiny. This systematic review will initially focus on identifying waste characteristics and components, then the roles and involvement of the different stakeholders, their attitudes and perspectives towards waste and finally the different concepts of source separation as it is practiced. This would help in analyzing and recognizing the past and present problems and solutions in cities and universities in developing countries especially Nigeria. The summary section would scrutinize the methodologies used in the above reviewed literature and its adaptation for use in this research. Also included are the main findings from the reviewed literature and the gaps in knowledge this research aims to address. 2.2 Solid waste management practices in Developing countries. In an attempt to accelerate the pace of its industrial development, an economically developing nation may fail to pay adequate attention to solid waste management. Such a failure incurs a severe penalty later in the form of reusable resources needlessly lost and a staggering adverse impact on the environment and on public health and safety.(UNEP, 2005) This is the problem presently facing most developing countries: rapid population growth due to rapid urban development hence more waste to manage. (Singhal Pandey, 2001) 2.2.1 Waste Generation and Composition The saying goes that if you can measure it you can manage it this is a viewpoint that is especially important and a solution that most developing countries have not been able to accomplish in solid waste management. There is no measure of the waste generated and so management becomes difficult and inefficient. According to( Vaughan , 1971), information on the composition and quantity of solid waste is indispensable to design, implementation and operation of any solid waste management system of today and helps to forecast the requirements of tomorrow. As stated above most developing countries are plagued with solid waste management problems that are degrading the urban environment and posing a serious threat to the natural resources and consequently holding back development (Sujauddin.,M., et al 2008) solving this problem will require knowledge about the per capital waste generated, composition and also attitudes towards waste. The authors found that there are many variables that affect the composition and the quantities of waste generated this include population growth, the socioeconomic factors (income, education, age, land ownership) which is the reverse for most developed countries. The major constituents of developing countries waste is about 66% organic, which is about 30% of the total waste generated showing that composting, would be a very good way of waste management (recycling). (ibid) 2.2.2 Institutional Arrangement The key institutions responsible for solid waste management services include public sector, formal private sector, informal private sector and community based non-governmental organisations. (ABC, 1988) The proper identification of their roles and responsibilities has been cited as a major influence in a sustainable solid waste management. At present, the public sector is responsible for service delivery of solid waste management in most developing countries and they are finding it difficult due to the rapid explosion in population growth hence more waste to manage. Some major problems that affect the municipalities inadequacy to provide good solid waste system include poor planning, lack of experienced staff, inappropriate equipments and technology, insufficient funds and landfill sites for disposal.( Coad, 2005: Hossain Siwar 2002). Collection, transportation and disposal have been a major problem in delivering efficient solid waste management services. In India cities collection efficiency is between 40 -70 % due to inadequate transport capacity and deficient workforce even with the municipalities allocation of 85-90% of the total budget to the service (Nema, 2004: Sharholy et al 2008) To rectify this inadequacy and provide better services some sources have recommended institutional changes like privatization transferring of the responsibilities to private sector while the public sector deals with policies and regulations (Hossain Siwar, 2002: Cointreau-Levine et al, 2000: World Bank,2003). The authors have argued that privatization will reduce the burden on government, increase the efficiency and effectiveness of municipal solid waste (MSW) services, decreases costs, source reduction and improve recycling thereby reducing the waste that goes for final disposal and increasing the life cycle of disposal sites. They also state that this can only work with sustainable frameworks supported by viable government policies and regulations. Poor solid waste management creates serious threat to human health and well-being especially with indiscriminate open dumping which clogs drains and sewerage creating breeding grounds for rodents and insects leading to disease spread and ground water contamination.( Majani,2000:Gonzenbach. Coad, 2007: Kumar et al, 2009) To aid in proper solid waste management certain cities have set rules (Bennagen et al ,2002: Sarkhel Banerjee, 2009) to necessitate the mandatory segregation of waste at generators level and also the concordance between collection and disposal facilities to ensure the establishment of local recycling and composting plants. The study showed that households were ready to participate and their participation would increase if there was going to be regular collection, variable user charges and appropriate garbage collection i.e. not collecting both recyclables and other waste in the same vehicle. (Bennagen et al., 2002) Informal Sector The role of the informal sector (waste pickers, scavengers, sweepers) in solid waste management is identified as been crucial in waste reduction though to what amount it cannot be effectively determined.(Wilson et al , 2006). Most of their activities are driven by the need to supplement income and to reduce poverty. They operate at all levels in the solid waste chain from generation to disposal removing the recyclables and trading it. These waste pickers with organisation and support would create jobs for the minority in the society, reduce poverty, save municipalities money, improve industrial competitiveness, conserve natural resources and protect the environment. The government in many developing countries: Argentina, Brazil, India, Uruguay, Colombia, Mexico have identified the necessities of recognising and identifying this stakeholders especially in light of attaining Goal 7 of the millennium development goals thereby creating an inclusive, socially desirable, economically viabl e and environmentally sound solid waste management system. Waste pickers activities are recognised for their role in reducing the waste to be collected transported and disposed e.g. Jakarta 25% reduction. (Medina, 2008) 2.2.3 Attitudes and Preferences Attitude is termed in this study as the feeling and thoughts while perception is insight and awareness which encourages participation. To ensure the sustainability of any SWM system there has to be a change of government perception to that of recognising the importance of people. The current global challenges of urban solid waste (Ali, 2006(Ed)) states demand a people centred approach, change in public attitude to consumption and increased relationship between the people and the government. With new approaches to waste management to tackle the challenges of the increased waste generated by the population, increased cost of waste management leads to increase user charges. This (ibid) stated will only be sustainable if the government recognises the importance of people in planning, designing and operating any solid waste system. Bisson (2002) stated that since waste is a product of human behaviour, to maintain a good waste management we need information on the behaviour and attitude of people with regard to waste and accurate data on waste generation Source separation and other recycling practices at households is greatly supported in its role to reduction of waste, municipality costs but in practice might not be successful because of the understanding of funds and the workload involved. (Chung S.S C.S Poon, 1996: Ghorbani et al, 2007). The authors concluded that economic incentives as well as education about environmental benefits of waste separation by householders would result in active participation of people in separating wastes in the home. Chung S.S C.S Poon (1996) further found that consumption rate might increase if waste is recycled hence education awareness programs. They suggested that the involvement of all household members and not only the housewives, binary not multiple separation schemes will further increase its success rate. One likely consequence of households paying close attention to their refuse is that people will become more aware of the waste they generate and will become less wasteful thus saving resources and further reducing collection costs. (Kassim, 2006) Various authors (Bennagen., June 2002: Sujauddin.,M., et al 2008) have reported that there is an eagerness for communities to participate in solid waste management schemes, pay for services but the payment should not be unit but as per user and with government support. 2.2.4 Source Separation Source separation according to GDRC (n.d) is the setting aside of compostable and recyclable materials from the waste stream before they are collected with other MSW, to facilitate reuse, recycling, and composting. During the UN conference in Johannesburg in 2002 reduction of waste through source separation was affirmed as one of the steps, which the local government can implement to maximize environmental sound waste use, recycling and diversion of useful materials from the waste stream. Facing the problems of solid waste management, (Strange, K 2002: UNEP, 2005) argues can be done through plans and programs which encourage source separation and this he stated will help in minimising waste for disposal. Schà ¼beler et al (1996) further added that the introduction of source separation ought to be in a pragmatic and incremental manner beginning with pilot activities to access and encourage the interest and willingness of users to participate. In most developing countries, the practice of source separation is by the informal sector at a very small scale. In cities of developing countries, source separation provides a means of employment, reduces the total amount of waste for disposal, and at landfills through the support of governing bodies and community based organisation (Lardinios Furedy, 1999: Fehr et al, 2009) Waste separation increases the quality of produced compost and recyclables, and optimizes incineration. It also enables better financing of waste management activities and minimizes the energy and labour inputs to any downstream processes (Murray, 1999). Source-separation pilot programs have been tested in some developing countries but total recovery of recyclables have been hindered due to the large amount of water contents in the waste and high percentage of food waste food waste (Zhuang et al,2007: Tadesse., 2008), The motivations for materials separation and reuse in developing countries include: scarcity or expense of virgin materials; the level of absolute poverty; income supplement, the frugal values of even relatively well-to-do households; and the large markets for used goods and products made from recycled plastics and metals. (UNEP, 2005: Sarkhel Banerjee, 2009: Fehr et al, 2009) Fehr et al (2009) further recommended the introduction of legal instruments within a municipal model that mandate source separation and encourages educational and legal measures for solid waste management success. (Joseph, 2006; Zhuang et al, 2007: Fehr et al, 2009 agree that any source separation program needs people centred participation, monitoring, awareness creation and support. Below are some of the advantages of source separated over co-mingled waste Table 1 Separate/mixed collection Separate Collection Mixed Collection Extends landfill life. Removes potential recyclables from the waste stream. Lowers net disposal costs. Done by the household. No extra cost for the community. Highly applicable to residential waste. Industrial waste may be recycled through industrial waste exchanges. An effective and reliable tool for recycling. Can be implemented on small-scale, then expanded. Recyclables are usually uncontaminated by garbage and other debris It is not time or space consuming for the residents. The facility does not need additional space to handle recyclables. Basic technology is needed The effectiveness of the collection system does not depend on how people prepare recyclables. There is no need for established secondary markets Guidelines for Municipal Solid Waste Management in the Mediterranean Region ( ) 2.2.5 Solid waste practices in universities of developing countries Higher institutions have the responsibility of having high moral and ethical obligation to the environment because they are expected to produce leaders in environmental protection movement. Armijo de Vega (2008) research acknowledges the good use of campuses as a case study for solid waste management (SWM) options for the following reasons; Not much has not been reported on the topic, They been independent to a great extent, campuses can accommodate pioneering SWM approaches that can filter down to other communities later, Thirdly, since it involves students at various levels it can serve to sensitize as well as easily train them in good SWM practices, and Finally, SWM practices adopted by higher education institutions have a great potential of being adopted by surrounding communities because these institutions generally are held in high esteem. The efforts towards responsible waste management should stem from these institutions. Besides, appropriate waste management would bring benefits to the institution such as a reduction of the financial resources destined to waste management, but, above all, it would set an example to the students and the community. (Mbuligwe .2002: Maldonado, 2006) Furthermore the authors discovered that the type of waste generated on campus (recyclables and organic) provides a lot of avenue for reuse, recycling and recovery thereby reducing the quantity of waste disposed in landfill by more than 60%.(ibid) 2.3 Solid waste management Practices in Nigeria 2.3.1 Waste Composition Nigeria is a nation that exemplifies chronic solid waste management problems in conjunction with population growth. It is the most populous country in Africa, with over 120 million residents (World Bank 1996), and over the past 50 years, has had the third largest urban growth rate in the world at 5.51% annually (UNWUP 1999). In Nigeria though there has been some studies into the determination of waste composition and generation to enhance the provision of solid waste management services, this studies are outdated (Adedibu 1985) or have been done at the landfills (Mbuligwe., 2002). This does not take into consideration the quantities of waste that are separated by the waste pickers and animals before collection. (Ogwueleka, 2009: Iman et al 2008 ) agree that indistinctive legislative policies and regulation, lack of data on the generated waste, inappropriate technology for collection and disposal, no planned framework and inadequate population characteristics are some of the factors affecting the knowledge of municipal solid waste composition in Nigeria to develop better disposal methods. Other factors include political, economic and social. The majority of substances composing municipal solid waste include paper, vegetable matter, plastics, metals, textile, rubber and glass (Ogwueleka, 2009:Imam., 2008). They found that the major component of solid waste is organic waste (40-64%) which is wetter, corrosive with high density (Ogwueleka, 2009)and agree that composting will be an adequate solid waste practice to reduce the waste especially (Iman et al 2008) with the removal of government subsidies for the sale of fertilizers creating a market for it. Controlled landfill (Adedibu, 1985) stated is another SWM option for disposal. This is not recommendable because of the complex technology and funds which the government cannot provide. Efficient recycling and composting could save 18.6% in waste management costs and 57.7% in landfill cost (Agunwamba, 1998). Waste characteristics vary according to season, population, climate, and industrial production, the size of markets for waste materials and the extent of urbanization, effectiveness of recycling, and work reduction. (Ogwueleka, 2009). Other factors affecting increased waste generation among residents in Nigeria cities are change in social economic and educational circumstance. 2.3.2 Attitudes and Perceptions According to (Agunwamba, 2003: Iman et al 2008) public awareness, social ideals, beliefs and attitudes to waste can affect all stages in the solid waste management process. This has an impact on household waste storage, waste segregation, recycling, collection frequency, littering and fly-tipping (illegal dumping), willingness to pay for waste management services, and the level and type of opposition to waste treatment and disposal facilities. In Nigeria, the general public attitude towards waste management is poor. . A man may live in a neatly kept house but refuse to cooperate with his fellow residents in keeping the surroundings of the building clean. As long as the waste materials are not inside his house, he feels no concern. Government attitude towards solid waste management is the introduction of in appropriate technology without the consultation of the people using the services (Agunwamba, 1998). In addition, they consider the informal sector a menace (Ogwueleka, 2009) and try all means to eradicate them. Most Nigerians associated wealth with lavish spending, which generates much waste as a by-product. They perceive waste pickers/workers as poor and so make little or no effort to cooperate in waste management activities. Similarly, in homes waste removal to bins classified as childrens work. Since the bins were not designed with, their small stature wastes are dumped on the ground, creating more work for the waste workers and increasing collection time reducing efficiency. (ibid) As for the waste workers, poor remuneration and stagnation in promotion has created a reduced interest in proper solid waste management. They go about doing their jobs haphazardly. The poor attitude to waste been exhibited can be changed with proper enlightenment programs and patient extension efforts that are reinforced continuously even after project completion. This will negate ignorance, materialistic tendencies, and apathy and reinforce their responsibility to the environmental. (Agunwamba, 1998) 2.3.3 Institutional Arrangement With knowledge of the illegal dumping of toxic waste in June 1988, (Adegoroye., 1994) the Federal Environmental Protection Agency (FEPA) was created. The landmark Federal legislation on environmental protection in Nigeria was the decree Number 58 of 1988, which established the Federal Environmental Protection Agency (FEPA). The specific role of FEPA with respect to solid waste management is to (Onibokun, 1999): Study the most reliable systems that are appropriate for local, domestic and industrial wastes. Specify waste disposal and treatment methods that take into consideration the geological and environmental setting and encourage recycling. Specify waste disposal sites that guarantee the safety of surface and underground water systems. Set up and enforce standards for adequate sanitary facilities for the disposal of human and other solid wastes in dwellings, housing estates and public facilities in both urban and rural areas. Establish monitoring programmes including periodic surveillance of approved waste disposal sites and their surroundings and waste water systems. Establish monitoring stations for the control of the disposal of leachate from dumpsites into surface water and groundwater systems Under this Act, all states and local government set up their own environmental protection body for the protection and improvement of the environment within its jurisdiction. In 1999 (Ogwueleka, 2009), FEPA was taken over by the Federal Ministry of Environment to combat some of the challenges faced which include absence of pollution waste management laws, lack of environmental enforcement, funding, role conflicts power play between FEPA workers and some powerful individuals whose companies not ready to pay for services. It still conformed to all the regulation stated above but even with this change of hands, there was still inadequate provision of solid waste services in Nigeria. According to (Imam et al, 2008: Ogwueleka, 2009) solid waste management in Nigeria is characterised by in efficient collection methods, insufficient coverage of the collection system and improper disposal. Lack of institutional arrangement, insufficient funds absence of standards and by-laws, insufficient information on waste composition and quantity, inflexible work schedule and inappropriate technology transfer are the common constraints faced by environmental agencies in solid waste management.75-95% of the revenue of solid waste is spent on collection and disposal and only 40-70% is collected from the urban areas. Most of the rural areas have no SWM facility. Presently emphasis is been focused on better institutional arrangement through privatization and less on collection and disposal due to the inadequate government service delivery. Privatization is been tested in cities like Abuja (Imam., 2008), Lagos (Ogwueleka, 2009) and Benin (Ogu., 2000) but have not improved the service delivery due to all the factors above including corruption, lack of planning of route service delivery, affordability and acceptability. Finally, (Ogwueleka, 2009) argued that since in Nigeria there is an abundance of cheap labour the use of a low capital cost and labour intensive solution that reduces poverty will be preferred. It should include low technology like handcarts and pickup trucks for collection, informal sector involvement (waste pickers), training, local waste recycling and reduction projects, transfer stations to reduce operating cost, community participation and involvement. In conclusion Adegoreyo, (1994) stated that stable leadership and firm commitment of government in formative years to any enforcement programme with set goals, objectives and responsibilities including capacity building should be uttermost to ensure the improvements. 2.3.4 Source Separation Studies into source separation in Nigeria though it is highly relevant according to most researchers are not been preformed. (Onibokun., 1999: Ogu., 2000: Agunwamba, 2003).This has constrained the author to review literature of other developing countries, implementation methods and success rate of source separation to infer if it will adequate for Nigeria. The scavengers do little or no form of recycling it is more of reuse. (Agunwamba, 2003) Informal Practices In Nigeria, gifts of clothes and goods to relatives, charities, and servants as a means of source separation are significant in waste reduction. However, the greatest amount of materials recovery is achieved through the following: (a) Itinerant waste buyers (IWBs): These are waste collectors who often go from door-to-door, collecting specific recyclable materials and/or organic wastes from households, which they buy or barter. Individual IWBs tend to specialize in one or two kinds of materials. (b) Street waste picking: Secondary raw materials recovered from mixed waste found on streets or extracted from communal bins before collection. (c) Municipal waste collection crew: Secondary raw materials recovered from vehicles transporting waste to disposal sites. (d) Waste picking from dumps: Waste pickers/ scavengers sort through waste before it is covered at the site of final disposal, which is still generally open dumping in Nigeria. (Wilson et al, 2009) From the point of view of waste reduction, the traditional practices of repair and reuse, and the sale, barter, or gift-giving of used goods and surplus materials are an advantage to the poorer countries. Quantities of inorganic post-consumer wastes entering the MSW stream would be higher if these forms of waste reduction did not exist.(UNEP,2005) Formal Practices. There is no formal practice in place for source separation at present although Federal Ministry of Environment (2000) specified in the Blue print for municipal solid waste management (MSWM) in Nigeria that separation at source is one of the viable alternatives/complement to an integrated solid waste management programme. 2.3.5 Solid waste practices in universities in Nigeria 2.4 Solid waste practices in University of Benin, Benin-City Solid waste management in the university is the collection and disposal of waste. The waste generated is placed in bins for collection. There is no informal sector to do any separation though some of the waste workers salvage the useful recyclables for reuse but this does not even account for up to 1% of the total amount generated. Most times the waste generated is so much that not all the waste is removed during collection so decomposition begins on the left over waste, which will cause bad odours and breeding grounds for rodents and disease carrying insects. Some leachates are also produced which might pollute the land and water around. The final disposal site for the waste is an open dump that allows further pollution because there is no control over waste deposited or the by-products of open dump disposal. Without adequate attention, there is a major risk to the health of the staff and students in the university and to the environment. 3. Summary of Literature Review 3.1 Methodologies Most of the researches into waste characterization were studied using quantitative and qualitative methods (questionnaires, interviews, observation, focus groups and fieldwork) this is to ensure the viability of the studies and close the loop (Chung S.S Poon C.S.,1996: Ghorbani M. et al , 2007:Imam., 2008). For sampling, random sampling was employed since some information about the sample space is known

Analysis of the Canadian Human Rights Act :: Human Rights Canada Alcohol Trade Essays

Analysis of the Canadian Human Rights Act The Canadian Human Rights Act prohibits discrimination on the basis of disability and perceived disability. Disability includes those with a previous or existing dependence on alcohol or a drug. Perceived disability may include an employer’s perception that a person’s use of alcohol or drugs makes him or her unfit to work. Because they cannot be established as bona fide occupational requirements, the following types of testing are not acceptable: †¢ Pre-employment drug testing †¢ Pre-employment alcohol testing †¢ Random drug testing †¢ Random alcohol testing of employees in non-safety-sensitive positions. The following types of testing may be included in a workplace drug- and alcohol-testing program, but only if an employer can demonstrate that they are BONA FIDE OCCUPATIONAL REQUIREMENTS: †¢ RANDOM ALCOHOL TESTING OF EMPLOYEES IN SAFETY SENSITIVE POSITIONS: Alcohol testing has been found to be a reasonable requirement because alcohol testing can indicate actual impairment of ability to perform or fulfill the essential duties or requirements of the job. Random drug testing is prohibited because, given its technical limitations, drug testing can only detect the presence of drugs and not if or when an employee may have been impaired by drug use. †¢ DRUG OR ALCOHOL TESTINIG FOR REASONABLE CAUSE OR POST-ACCIDENT: where there are reasonable grounds to believe there is an underlying problem of substance abuse or where an accident has occurred due to impairment from drugs or alcohol, provided that testing is a part of a broader program of medical assessment, monitoring and support. †¢ PERIODIC OR RANDOM TESTING FOLLOWING DISCLOSURE OF A CURRENT DRUG OR ALCOHOL DEPENDENC /ABUSE PROBLEM may be acceptable if tailored to individual circumstances and as part of a broader program of monitoring and support. Usually, a designated rehabilitation provider will determine whether follow-up testing is necessary for a particular individual. †¢ MANDATORY DISCLOSURE OF PRESENT OR PAST ALCOHOL DEPENDENCY/ABUSE: may be permissible for employees holding safety-sensitive positions, within certain limits, and in concert with accommodation measures. Generally, employees not in safety-sensitive positions should not be required to disclose past alcohol or drug problems. Under these limited circumstances where testing is justified, employees who test positive must be accommodated to the point of undue hardship. The Canadian

Step by Wicked Step

STEP BY WICKED STEP Themes  ~ Step By Wicked Step Family relationships Coping with new family members for example Pixie understands that her new stepmother is having as much trouble ‘adjusting’ as she is. Family unity The nucleus of moral values, â€Å"the family unit,† is being invaded by outsiders (‘step’ or ‘steps’) and this causes disharmony. Dealing with adversities Young children and adults may find difficulties dealing with frustrations, fears and sadness. Being happy ‘Life has dealt us one hard blow, there is no reason for us to be unhappy for ever’. For example, Claudia realises it is not fair to hate her new stepmother, Stella.Think long enough before making a decision Richard Harwick made a rash decision to run away and that had changed the lives of his stepfather, mother and sister. Sibling rivalry Resentful step-siblings cause burden and hostility in a home. Coping with change All pain eventually heals and that we have the power to change things for the better. Being brave Characters like Claudia and Pixie are brave as they confess to their own rotten behaviour. Dealing with Separation and Divorce It deals with a social phenomenon that many people are experiencing, the idea of a divorce as somehow horrible.Separation and divorce, and the events leading up to them, interrupts the stability and predictability that children need. STEP BY WICKED STEP Synopsis By Chapter  ~ Step By Wicked Step Chapter 1- Chapter 7 Step By Wicked Step – Chapter 1 It is raining. Mr. Plumley and five pupil from Stagfire School are going to a haunted   house in a minibus. Ralpha, Claudia, Robbo, Collin and Pixie have been picked out by Miss O’Dell and herded into the minibus with Mr. Plumley. When they reach Creepsville, they think it is haunted. The last group tells tales of strange shadows and  footsteps and eerie figures in white gown   melting through the walls.There are no lights and Mr. Plumley is horrified to settle the pupils in pitch dark. They  go upstairs as they pass by oil painted portraits of Harwicks of all ages staring at them. As it is a rainy night, Pixie preferred safety in numbers. They have a rule â€Å"each bedroom is for either girls or boys. † Mr. Plumley does not know the rule. He tells the pupils to settle in while   he goes to look for the housekeeper. Robbo decides to explore two or three more stairs. He finds two more beds and a bathroom. The boys take the present room meanwhile Claudia and Pixie take the other. Colin points at the wall. He insists there is a door on the wall.When there is lightning, all of them see the wall papered door meeting the wall papered wall. As they enter the room, cobwebs indicate no one has been there. A tower off a tower. The shelf, desk and chair are filled with dust. Claudia sees a wooden cow balancing on   three legs. She strokes its nose. Suddenly, she hears a soft sound behind her. Robbo sets a globe of the world to spin on its axis. By looking around, they came to a conclusion that the last child who slept in it came from a rich family. They find out it is a boy’s room. Claudia notices a dusty green album in spidery writing on the cover. Richard Clayton Harwick – My Story.Read  and Weep. They hear the faint rumble of the bus. The other children have arrived. The 5 children rush to their rooms and pretend to be fast asleep. They do not want to miss the chance to read the album. Not many get a chance to peep   into someone else’s life and not many people are brave enough to tell you their story. By the time Miss O’Dell and Mr. Plumley come to the first tower room, they think that the children are fast asleep due to tiredness. Miss O’Dell continues to say that the five children have something in common. Mr. Plumley is puzzled as nothing seemed to be common in the five. Pixie is a trouble maker.Claudia is sensible. Ralph is quick-witted and hardworking unlike Colin who likes to   daydream. Robbo is soccer-mad. As Miss O’Dell goes down, the lights come again. She shuts the tower door leaving the five children who have been listening to their conversation. Step By Wicked Step – Chapter 2 The five children are waiting in an old house for the rest of their school group to arrive. They come across an old manuscript written by a boy who ran away when his mother remarried after his father’s death. Richard’s Story- Master Richard’s father had a fever. His mother tried her best to coax his father to eat something- but it was of no use.Richard asked George the gardener about his father. Richard calls him Mr Digby. Mr Digby did not answer him but hugged him hard instead. Lucy the maid sat by Richard’s bedside. When Richard asked if it was going to be today,she placed her finger on his lips and said â€Å"Hush! Don’t even speak of it. Little Charlotte called out to Richard a nd told him that Papa wanted to see him. He dashed as fast as he could. He came across Reverend Coldstone but did not stop although he was asked to. The reverend was angry. His mother was waiting at the doorway and reminded him not to cry.His father asked him to be good to his mother and sister. His last words were –â€Å"Obey your mother’s wishes to the letter. At the chapel, Mr. Coldstone consoled his mother. Richard heard him say -â€Å"When you are mine†¦Ã¢â‚¬ . Richard studied at Mordanger school. He hated it there. Now he was home. Charlotte realized that Richard hated his stepfather. Richard accuses that Charlotte had forgotten about their father. Charlotte denied it and advised him not to accuse Mr Coldstone as the murderer when their father died of fever. Nevertheless, Richard had decided to leave the three of them. Richard wrote in his diary that he worked in a ship.Whenever he wrote about Mr Coldstone, he refered to him as the ‘black batâ€℠¢. Twice his ship stopped at his hometown and he visited his home only to stand like a trespasser. It had been a long time since Richard had been home. Suddenly, he saw a note on the Captain’s table. He found out that his mother and stepfather had died. Charlotte wrote him a letter. In the letter, Charlotte wrote that things had been difficult as their mother spent a lot of money looking for him and they all suffered Mr Coldstone’s anger. Charlotte married Charles Devere although she did not love him because he had money and was willing to spend it to look for Richard.This would be the only letter from her. Step By Wicked Step – Chapter 3 Claudia’s Story: Green Pyjamas Claudia’s Mum and Dad quarreled a lot. One day, her Dad was gone to Granny’s house. However, he dropped by for tea. Claudia overheard the name â€Å"Stella†. Her Mum and even Granny had a row with Dad. Dad usually met Claudia at Granny’s. She missed her Dad so mu ch. The times spent with her Dad kept flooding back. She wanted things back the way they used to be. For the first time, Claudia had a separate Christmas. Later, she was introduced to Stella who was just plain and mousy. Claudia thought her mum was a whole lot better-looking than Stella.Claudia was rude when they went for a walk. Once back, they quarreled and the next day, Dad moved out of Granny’s house straight into with Stella. Claudia met her Dad off and on. Stella stayed out of it. She only made some light conversation with Claudia like asking about her friends and school. Those moments she would be thinking of her mum doing the house chores. After talking to her friend, Shreela, Claudia stopped blaming Stella. Dad and Stella arranged a party for their friends. Claudia was sent there for the day. Politely, she excused herself from the party and stayed in her room. Stella was relieved.Out of curiosity, Claudia decided to eavesdrop. She wore the green pyjamas given by Stel la as it was the exact shade of green of the giant fern. She sat beside the fern and listen to everything the adults downstairs were talking. The guests spoke about everything except about Mum, Dad, Stella or Claudia. Nobody praised Stella for the food nor even spoke to her. Claudia found that very rude as her Mum was not there. Claudia, unable to stand the treatment Stella was getting, made a grand appearance at the party and thanked Stella for the beautiful pyjamas she had brought for her. Finally, everyone started noticing Stella.As for Claudia and Stella, this was the starting point. Stella would teach Claudia how to quilt, read maps, change electric plugs and how to skate. Step By Wicked Step – Chapter 4 Colin describes his stepfather whom he calls dad. He has thought of him as his biological father all the while. His dad looks like him. His dad has dark hair with some grey patches around his ears. His dad used to roll his own cigarettes out of tobacco in a tin. His dad calls him by many nick names- Col, Collie, Sonny-boy, Buster, Mr Bluebird. Colin’s mum works in a shop. His dad walks him to school and back.His dad got him his tea and took him to the park. At the park, he used to swing as high as the bar, he swings back in such a way that his dad would call him –The Bluebird of Happiness. Then, Colin’s mum took him and moved away. It happened when Colin’s father had gone to spend a day with his sister. Two friends of his mum came with a van and packed everything. Then they went off. At first, he thought his dad will join them later. Colin was not happy- school mates would snigger when he did not understand things. Mum found a job at a canteen. She would be busy doing household chores when she came home.Mum was too busy to listen to him. He compared her with his dad- his dad used to talk to him and remembered names of his friends and teachers. Colin asked his mother many times about his dad. He wanted to know when his da d will come home. His mother did give him a hint about his father not having a proper job. He realized later that his mother did not leave any clues for his dad to follow. He then wrote a letter to his dad. But there was no reply. Every night, Colin would take the tobacco tin out of the toe of his boot and put it under his pillow. Then, he would hum his favourite song which was also his dad’s favourite.He would stay awake for hours talking to his dad. He pretended that his dad was there. Colin said that it was as if his mother thought that whatever is happening is actually happening only to her. Then one day when he returned home from school, he realized that his mum had thrown away his boots. The boots were too small for him but she did not know that there was a tobacco tin hidden in there. He did not bother to tell her because she wouldn’t have liked it. It has been five years, eight months and seven days and Colin still remembers hit dad. He secretly writes his dadà ¢â‚¬â„¢s name and his old address on the forms at school.Colin also tries to save money- he does three paper rounds. He will not try to look for his dad now- perhaps someday when he has enough money. Colin hums slowly and when asked to sing, he says that he is saving the words till he finds his dad. It was his favourite song- The Bluebird of Happiness. His friend Ralph consoled him by saying that someday Colin will find his dad. Step By Wicked Step – Chapter 5 Ralph’s Story: A Tale of Three Stepmothers Ralph has two brothers, two half-brothers, one half-sister, three stepbrothers, one stepsister,three stepmothers, one stepfather, two step-grandmothers and a step-grandfather.Living in a big family is no joke. After school on Mondays and Thursdays, he goes directly to Dad’s place. His mum or his step dad, Howard sends him. On Tuesdays, Wednesdays and Fridays, he goes straight to his Mum’s place. At times, he will be lost not knowing where to go. The lunchbo xes help. M for Mickey Mouse and Mum, D for Dumbo and Dad. If he is lost, he has to look at his lunch box to confirm his destination. Edward and George are his brothers. The boys liked Annabel, stepmother No. 1. The only problem was she never left the boys alone with their dad. Edward and George hated this.Dad and Annabel spent all their time kissing and cuddling. Annabel was always on a diet. She disapproved of coffee. So the boys had to drink Dandelion tea every morning. She loved to read out her star sign forecast in the mornings and again in the evenings. Sometimes, she even tried to look at Edward and George to tell their aura. However, the boys would deny anything she said. Yet, their dad would not feel embarrassed. One day, Brandy, Ralph’s cat was sent over as their Mum was varnishing the hall. The three boys took Brandy in a cage. Edward had made it from a broken milk bottle crate and bits of wire.Annabel was annoyed and blamed them to be cruel as Brandy did not have room to breathe. Dad distracted her by pointing out that they were out of bread. Annabel insisted in baking. The poor boys were starving to death. So, they went to the shops. They boys ate three large loaves and before they came home, they brushed away the crumbs. Dad was praising of how the dough had risen. When Annabel left it on the table, Brandy leapt up on the table and sniffed the dough. Then, Brandy lifted its paw and patted the dough. Next, Brandy curled himself comfortably into the dough. Annabel went mad. Dad tried to stick up for Brandy.The spell between Annabel and Dad was broken. In the end, Annabel ran off with someone and Dad searched high and low to get the divorce papers signed. The boys did not miss her as she was more of dad’s girlfriend than a real stepmother. Dad then focused his attention on Janet, who was more keen on rules. However, Dad liked it. Edward and George did not mind as they were able to spend ample time with Dad. On the other hand, Janet was busy rushing her children to the doctors, dentist and school. Janet’s own children, Tom, Joe and Doug and Ann moved in with the three boys. Tom and Ann could get along with Ralph but not Joe and Doug.Mum and Howard though Janet was wonderful. Janet could draw up proper schedule and Mum hardly bothered as she found Janet was easy to deal with. Due to the rules, Ralph knew he could pick up rules in no time if he was ever anywhere. Finally Janet left. She got fed up with Mum and Dad as they were taking advantage of her. Dad kept fixing up work trips on the days the boys were there. He told Janet that she had four children and another three would not make any difference. Mum started sneaking Victor’s romper suit hoping that Janet would come across them and get the stains out before sending them back. So, Janet left.The boys had a wonderful time after that. Unfortunately, it was only for a short period of time. Stepmother Number 3, Flora, came into the picture. Edward met her lying on Dad’s patio with hardly any clothes on. She had the cheek to tell Edward to cover up as she was enjoying the sun. George met Flora when they went shopping. Flora was dumping treats like strawberries, kiwi fruits, waffles, Belgian chocolates into the trolley. Dad was looking into the wallet, gloomily. Ralph went the next day. When he rang the bell, Flora opened and enquired. Ralph introduced himself. Flora blew her top as she did want to be a nanny.She took Ralph out for a Chinese Dinner and to watch a film. Then she met some friends and went to a coffee bar. At that time, Ralph informed his Dad of their whereabouts. Dad was furious and scolded Flora. Flora was cool and told him not to dump the children on her before checking her schedule. Ralph thought she was wonderful although she did all sorts of terrible things to him. Flora was pregnant and she ate only mint sauce sandwiches. Ralph was worried that his half sister or half brother would not be well taken care off by Flora. She did not know how and Ralph decided to help her out.The others usually teased Ralph. Most probably, Flora would settle in with this family. Step By Wicked Step -Chapter 6 When Pixie's parents divorced, Pixie was allowed to spend two weekends a month at her father's house which he had bought together with Lucy, her stepmother. Her two step sisters , Sophie and Hetty Payne, shared a room while Pixie was given a room to herself, as was agreed by her father. Pixie could not get along well withe her stepsisters and their actions annoyed her. One day, bothe her stepsisters got onvolved in a fight , and this caused Hetty to move into Pixie's room.Pixie was dissapointed as she was not consulted on the matter, and to make the matter worse, her father ingnored her complaints about Hetty moving into her room. Hetty's irritating behaviour also put Pixie's off. One day, while on a family holiday, Pixie had a fight with Sophie over who should occupy the top bunk bed , and both o f them ended up crying. As for Hettym Pixie just could not stand her even though Hetty was closer to her in age. Pixie was also jealous of Hetty as she was everyone's darling due to her good manners and intelligence in mathematics. Pixie then divised aplan to force Hetty out from her room.Intially, she tried to frighten Hetty with ghost story and also burden Hetty with schoolwork so that Hettty would be fed up with her and voluntarily leave her room. However, those trick was failed. Hetty than complained to Lucy. Lucy tried to talk to Pixie but failed. Instead, the two of them end up arguing. Pixie's father appeared then but quickly went out of the room again as he did not want to interfere. Lucy was dissapointed with Pixie for not putting with any effort to integrate and mix with the family. Pixie was dissapointed that there was nothing for her at Lucy's home.After expressing their frustrations and dissapointments, both Lucy and Pixie cried and the made up. Pixie was able to tolera te her stepsisters and Hetty help her with her homework. She also tried to be more sociable at Lucy's home. Step By Wicked Step – Chapter 7 Robbo's parents spilt up when he was only six years old. Robbo's father then moved out from their house and Robbo and his sister, Callie visited him at his place regularly. Robbo's stepfather, Roy moved to their home but Callie disliked him. She also nicknamed him as ‘The Beard' as Roy seemed to interfere with their family affairs.Their mother tthen give a birth to Dumpa, Robbo's half brother. One day, when Roy and their mather had a row, Callie tried to get their parents back together but failed. One day, Robbo's mother had a serious row with Roy over Callie's habit of pushing her bicycle through the narrow space between his car and the bushes beside it as it almost stratched Roy's car. They started shouting each other . Roy was angry as he felt his wife siding with Callie and that neither of them appreciated his effort in sending the kids to school or paying for food. Robbo's mother and Roy's efforts to solve the problem but they ended up arguing. he situation worsen whern Roy decided no to drive callie to school and sledging activities when snow started to fall. He even refused to buy her favourite brand of cerelas as she was not polite and civil to him. The next day, roy decide to clear the shed during the middle of a heavy snowfall with Dumoa following him. Robbo's mother tried to get Dumpa in, but he refused and only listened to Roy. Robbo then suceed in coaxing Dumpa into the house by offering him strawberry rocket ice lolly. From that day onward, their mother was always stuck in the middle as both Callie and Roy were unhappy and upset with each other.She also realised that the only solution to the problem is for her to move out her father's place. Robbo's father then suggested to his ex-wife to go on a holiday with Roy to help them solving the problem. He even offering to take care of Dumpa while there were away. The story ended with Robbo's optimistic view of his family as they can now start afresh. Ralph compared Robbo's story to Richard Harwick's story because his sister, Callie and Richared both did not like their stepfathers and had to leave their family. However, unlike Richard who ran away from his family, Callie tried something different in order to make things work at home.Ralph also mentioned that everyone in their group had tried their best to solve their problems at home. Claudia then put the journal back into its place, but took out Charlotte's little wooden cow, removed a tiny splinter, and gave the little wooden cow to Ralph who thrust it into Collin's bag , hoping that Colin would find his stepfather again. STEP BY WICKED STEP Characters and characterisation  ~ Step By Wicked Step Name of character| Descriptions/ Attributes/ Personality| Robbo| School pupil, sports-mad especially football|Ralph| School pupil, quick-witted, hardworking and occasionally likes to i ntercept impolitely during a conversation| Colin| School pupil, longs to be reunited with his stepdad, dreamy as ‘he drifts through the hours of each school day as if his thoughts were hundreds of miles away’ and this ‘ drove his teachers to despair’| Claudia| Steady, sensible, did not get along well with her stepmother at the beginning| Pixie| Fiery, a good reader, selfish| Richard ClaytonHarwick| Owner of Old Harwick Hall, lost his father at a very young age. His mother remarries the priest, Reverend Coldstone whose wrath Richard cannot stand.He runs away, without knowing that he has made a decision that will change three lives; his stepfather’s, mother’s and sister’s. When he inherits Old Harwick Hall, he has lost his three closest members of the family. | Rev. Coldstone| Richard’s wicked stepfather, strict and cold-hearted| Mr. Plumley| A staff of the school who accompanies the children to Old Harwick Hall| Miss O’ Del l| The school teacher who picks five of the children on a trip after a quick glance at her list. | Mr. Digby| Gardener at the Harwick’s household| Lucy| Maid at the Harwick’s household|Charlotte| Richard Clayton Harwick’s sister. | STEP BY WICKED STEP Moral Values  ~ Step By Wicked Step Family is everything This is the main message in all the five stories from Claudia, Ralph, Colin, Pixie and Robbo. Love is the factor that binds the family together but sometimes the family unit breaks down due to a lack of understanding between parents. Most of the time, children are not prepared for such a situation and this lands them in an awkward and painful situation. It is important to minimize the impact of divorce on children and to make sure they do not feel unwanted or unimportant.Parents must always try to keep the family together despite the breakdown in their relationship. Patience is a virtue It is important to practice a lot of patience in difficult times. No pa rents would want a divorce if they can help it. Hence, everyone affected by a divorce must be patient and tolerant. Richard Clayton Harwick does not show enough patience when he leaves his family because he cannot get along with his step father. As a result of his action, his mother dies of heartbreak and his sister blames him for being selfish and cruel. In Pixie’s story, she does not show much patience towards her step siblings.She refuses to share her bedroom with Hetty. She is also hard headed and argues intensely with her step mother. We must learn to adapt to new situations Children from broken homes have no choice but to learn to adapt to new situations. This may be unfair to the children who seem to be the ‘victim’ of circumstances beyond their control. However, in the five stories told, we learn that adapting is better than resisting although it takes a lot of patience and effort on the children’s part. Claudia shows she is a rational and sensible child to accept her step mother.Ralph, who has three step mothers, gets along with all of them despite their different personalities. Don’t give up hope Colin’s story is the saddest of all. He does not give up hope of one day finding Jack whom he accepts as his own father. He saves all his money and plans to look for his dad when the time is right. Colin is a very determined person despite his young age. He knows what he wants. Robbo also hopes his sister Callie will accept their step father Roy. However, Callie resents Roy and decides to live with her real father in the end.STEP BY WICKED STEP Setting  ~ Step By Wicked Step 1. The haunted house of Harwick. 2. Domestic households of Claudia, Colin, Ralph, Pixie and Robbo. STEP BY WICKED STEP Literary Devices  ~ Step By Wicked Step Simile i. Like someone stepping on stones over a river with water raging on both sides (p. 21) ii. When a great ship strains at the tide, and needs a cabin boy, nobody asks the lad who s peaks as roughly as a gardener’s son, and claims to be Dick Digby, whether his mother knows he’s off to sea. (p. 25) iii. †¦ dressed black as a bat (p. 16) iv.She ( Hetty ) is still wary of me, and I still get on with her that bit better when all the lights are out, and I don’t have to watch her cocking her one side and fiddling with her hair or rolling the cat like a sausage across the downie (p. 103) v. It was like the Arctic. (p 87) vi. Like leftover shoved in a fridge (p. 2) vii. †¦. as narrow as the ones that archers used†¦ (p. 8) viii. †¦over a black and white tiled floor that looked like a huge checkerboard glazed †¦ (p. 4) tight little circle, like campers round a †¦(p. 6) ix. She picked her way†¦.. like someone stepping †¦. (p. 21) x.And I’d just stare down at my plate on my face that said, plain as day, with a look ‘Why should you? ’ (p. 40) Hyperbole Hyperbole is exaggeration. It puts a pictu re into the reader’s mind. Anne Fine occasionally makes a point by overstating an action or object as in the following hyperboles: i. As the driver swung the minibus (p. 1) ii. Just as if the dull-looking binder on the desk was a delicious birthday cake (p. 10) iii. No tears! I would have found obedience†¦. How many nights my pillow would become a flood (p. 17) iv. How many cloudless afternoons I was to water with my private showers (p. 17)Personification Personification is a a figure of speech in which inanimate objects or abstractions are endowed with human qualities or are represented as possessing human form. Anne Fine uses personification to make this novel more dramatic and interesting or to convey a certain mood. By using this literary device, it also helps us to relate more to the object or idea that is being personified because it is easier for us to relate to something with human attributes. i. Flinching as the twisted fingers of trees scraped at the glass (p. 2) ii. And then another flash shot generously across the sky (p. 7) iii.The wind still whistled through the tree, but in the room the silence is palpable (p. 34) Repetition This device is mostly used in two of the vignettes to emphasise on the subject in hand, as shown in the following: i. ‘It isn’t a story,’ said Colin. ‘There isn’t anything to tell. We just went on. ’ (p. 51) ii. ‘There isn’t a story,’ said Colin. (p. 53) iii. ‘There isn’t a story,’ said Colin. ‘We just went on. ’ (p. 56 ) iv. ‘ I’ve told you,’ said Colin. ’There isn’t story. It’s just that, as we went on, I started getting into trouble at school†¦Ã¢â‚¬â„¢ (p. 57 ) v. ‘Dumpa’s the problem’ (pgs 107,112,119 and 125 )