“Finishing School” by Maya Angelou Essay

During the Victorian reign, Finishing school was a famous and prestige private school for wealthy young girls. It emphasized cultural studies for social activities, introduced good manners and etiquette, and taught skills such as dancing, singing and much more. In other words, Finishing school prepared young ladies for â€Å"future life†. The title Finishing School by Maya Angelou, has a different meaning, I would say the title is ironic. Angelou’s main character Margaret went through her own â€Å"Finishing School† that happened to be inside a white woman’s kitchen. It taught her about race differences and how to defend her dignity, both that reflect the author’s purpose in choosing this title. Margaret is a ten-year-old black girl who lives in the south in 1930’s at the time when slavery has long passed gone, but racial segregation and discrimination are still very strong. She comes to work as a servant in a home of a white wealthy woman, Mrs. Cullinan, where she begins to help out around the house, run errands, clean dishes and polish silverware. Margaret is overwhelmed with the inhumanness and the discipline of the house. All meals have to be at a certain time, all drinks have to be from a certain glass. Nevertheless, Margaret is willing to accept the new rules and work as hard as possible for the white rich and ugly lady, because Margaret feels sorry for her. She starts to come to work early, leaves home late, puts in extra work, somehow by doing so, Margaret thinks that she can compensate for the fact that Mrs. Cullinan can never have children. Margaret develops human feelings toward her mistress and her situation, not acknowledging the race issue. Sadly, she soon realizes that no one is interested in her feelings and her pity. To her employer she is just a stupid, wordless, black servant. Not a human, but simply an object that serves for comfort of the white masters. Margaret realizes that, when one day Mrs. Cullinan calls her by a different name, which is in her opinion more â€Å"appropriate†. Margaret cannot believe her years. The fact that her name, her own name that was given to her by her parents, is just now so easily being changed by this white woman, makes her very mad. She frightfully feels that her opinion might never be valued. That is when she decides to change all that once and for all. Margaret feels that she was just robbed of something important, her name. Even though she is just a young girl, she does not want to tolerate such mistreatment. Her inner dignity and pride arise and push her to forget about her need of money and job. Margaret feels that it is crucial to make a statement. She breaks her employer’s favorite piece of china that was left to Mrs. Cullinan by her wealthy parents. Margaret knows the importance of that reliquary and wants to take something important from Mrs. Cullinan to get even. The author says â€Å"While white girls learned to waltz and sit gracefully with a tea cup balanced on their knees, we were lagging behind, learning the mid-Victorian values with very little money to indulge them†¦Ã¢â‚¬  Mrs. Cullinan indulged her china piece meanwhile little Margaret had nothing to indulge but her dignity. Through out Margaret’s experience in â€Å"Finishing School† she learns about race differences and dignity, both values witch will serve her in the future.

Conflicting Objectives

A partnership with the appropriate fem. can help add value to existing products. For example, partnerships that improve time to market, distribution times, or repair times help to Increase the perceived value of a particular firm, Similarly, com/public-administration-and-management-advantages-and-disadvantages-of-partnerships-in-terms-of-improving-service-delivery-and-accountability/">partnerships between companies with complementary product lines can add value to both companies' products. Improving market access. Partnerships that lead to better advertising or increased access to new market channels can be beneficial. Strengthening operations.Alliances between appropriate firms can help to improve operations by lowering system costs and cycle times. Facilities and resources can be used more efficiently and effectively. Adding technological strength. Partnerships in which technology Is shared can help add to the skills base of both partners. Also, the difficult transitions between ol d and new technologies can be facilitated by the expertise of one of the partners. Enhancing strategic growth. Alliances provide a tremendous opportunity for organizational learning.In addition to learning from one another, partners are forced to learn more about themselves and to become more flexible so that these alliances work. Building financial strength. In addition to addressing these competitive Issues, alliances can help to build financial strength. Income can be Increased and administrative costs can be shared between partners or even reduced owing to the expertise of one or both partners. Of course, alliances also limit investment exposure by sharing risk (D. Smirch-Levi, Samisens ; E. Smirch-Levi, 2008, p. 248).If these mutual partnerships are to succeed there needs to be a mutual business understanding built up of respect, honesty, trust, communication and a desire for each party to profit by recognizing that the success of one partner helps with the success of the there (Rioter, 2007). Of course there needs to be compliance with all laws but also within the partnership between buyers and suppliers there needs to be respect, honesty, open communications and strategic financing that benefits all the parties involved (Rioter, 2007). Types of RSVP There are three types of Retailer-supplier Partnerships (RSVP) Strategies.They are the: Information sharing/quick response strategy – supplies receive point of sale (POS) data from retailers and use this Information to synchronize their production Ana Inventory actively wilt actual sales at ten retailer. In tons strategy ten retailer still prepares individual orders, but the POS data are used by the supplier to improve forecasting and scheduling and to reduce lead time. Continuous replenishment strategy (rapid replenishment) – vendors receive POS data and use these data to prepare shipments at previously agreed-upon intervals to maintain specific levels of inventory.Suppliers may gradually decr ease inventory levels at the retail store or distribution center as long as service levels are met. Inventory levels are continuously improved. Inventory levels could be based on sophisticated models that change appropriate levels based on seasonal demand, promotions, and changing consumer demand. Vendor-managed inventory (VIM) (vendor managed replenishment) (VIM) – the supplier decides on the appropriate inventory levels of each of the products (within previously agreed upon bounds) and the appropriate inventory policies to maintain these levels.In the initial stages, vendor suggestions must be approved by the retailer, but eventually the goal of many VIM programs is to eliminate retailer oversight on specific orders (D. Smirch-Levi et al. , 2008, p. 254). Requirements of RSVP As with any venture, there are requirements that must be met in order for the Retailer-supplier Partnerships (RSVP) Strategies to succeed. The most important requirement for an effective RSVP is to hav e advanced information systems on both sides of the supply chain.Electronic data interchange (DEED') or Internet-based private exchanges are essential to cut down on data transfer time and entry mistakes. Bar coding and scanning are essential to maintain data accuracy. And inventory, production control, and planning systems must be online, accurate, and integrated to take advantage of the additional information available. Such a partnership may shift power within the organization from one group to another which in turn might cause conflict within the organization itself. However, RSVP requires partners to develop a certain level of trust without which the alliance is going to fail.Confidential information is provided to the supplier. The top management at the supplier must understand that the immediate effect of decreased inventory at the retailer will be a one-time loss in sales revenue (D. Smirch-Levi et al. , 2008, p. 256). Issues with RSVP â€Å"One major issue is the decision concerning who makes the replenishment decisions nice inventory ownership issues are critical to the success of this kind of strategic alliance effort (D. Smirch-Levi et al. , 2008, p. 257). † Conflicts may arise about ownership issues.Ownership of goods are transferred to the retailer when originally received but more of a consignment relationship is needed with this type of alliance which leaves the supplier still owning the goods until the goods are sold (D. Smirch- Levi et al. , 2008, p. 257). Since the supplier owns the inventory, they might be a bit more concerned on how the buyer handles the management of said items. The errs and suppliers at this point might not agree on the way the inventory is handled at said location(s) and the buyer might feel that their toes are being stepped on in their own house.This might cause a bit of conflict and tension for both parties. In Vendor Managed Inventory (VIM), one tries to optimize the entire system by coordinating production an d distribution. The supplier can decrease their total costs by coordinating production and distribution for several retailers. However, the supply contract must be negotiated so that the supplier and the retailer share overall system savings (D. Smirch-Levi et al. 2008, p. 257). Performance measurement criteria must De agree o at . Polyglot sale (POS) accuracy, Inventory accuracy, shipment Ana delivery accuracy, lead times, and customer fill rates are commonly used.Confidentiality is an issue. A retailer who deals with several suppliers within the same product category may find that category information is important to the supplier in making accurate forecasts and stocking decisions. In many cases, the supplier in a partnership commits to fast response to emergencies and situational changes at the retailer (D. Smirch-Levi et al. , 2008, p. 257). The buyer of course is cooking to get a fair price but the supplier has to make sure he is covering all of his costs while still managing t o make a profit. It is not always in the buyer's interest to negotiate down to the very lowest price; the result can be less trust or loyalty from the vendor (Rioter, 2007). † Trust and constant communication are the key factors in any alliance being business or otherwise. A sustainable relationship cannot exist if those key elements are missing. In this way, clear concise contracts are needed for all parties so that there is no deviation from the norm and each party knows what its unction and objectives are within the partnership so that conflicts can be minimized and profits maximized.

Failure of the Arab League

In the wake of any great conflict, states will try and assemble a system that is based on unity and prevention of further conflict, there are several aspects usually addressed, including the economy and the international relations. In the wake of World War 2 the UN assembled to form the new world order (Pinfari, 1. ) In the Middle East, 6 founding members (Egypt, Transjordan, Saudi Arabia, Syria, Lebanon and Iraq) formed the Arab League, an organization founded upon a common sense of Arabism with a goal of Arab unity (Pinfari, 2.) In the wake of the Cold War, Africa found itself at a political disadvantage because of the fragmented politics of the continent, they were at a geographical advantage and wanted to make use of that, so they formed the African Union to address inner-conflicts and the mayhem caused by the remains of colonialism after the Cold War (Dersso, 13-14. ) On the other side of things the European Union formed in the late 1990’s with a different mission in mind when compared to the two aforeabmentioned organizations.The Arab League and the African Union’s missions were more ambitious than those of other political organizations such as the EU and the UN, due to many reasons why this paper will focus on discussing their economy, their judiciary and the effect of pan-Arpabism and a pan-African perspective. When nations group under one banner as is the case in the examples mentioned, the issue of their individual political sovereignty is brought into the foreground as countries value their autonomy.The European Union is more of a â€Å"union† in the judiciary sense than the Arab League: while the Arab League clearly states in its charter that the League has no right to intervene in the internal affairs of a member country unless their overall safety is compromised, this then makes way for dictators like Qaddafi to rule for years in what certain scholars would view as a tyrannical manner.The judiciary of each country is separate from the Arab League which isn’t the case with the EU, whereby the Court of Justice of the European Union has the right to supersede any national court of law (Wallace, 484), by so doing maintaining peace in a more efficient way. How does this make the Arab League’s mission more ambitious, is that they are seeking peace and unity based on a sense of Arabism rather than an effective judicial system (Reiser, 1), and it is ambitious to assume that this will prevail.When discussing the Organization of African Unity (OAU), their mission can also be seen as more ambitious than that of the EU, the OAU’s mission was to establish widespread security and unity between African members of this union through the ideal of â€Å"African Solutions for African problems,† but like the Arab League, their mission contains certain clauses that are emphasized in discourse, yet not much is done to re-enforce them (Dersso, 13), and often the governments of individual states will do as they please, as is the case with the Rwanda genocide in 1994,with no higher judicial force to intervene, and that is where they fail (Tavares, 23.)Africa however should not be grouped with the Arab League, even though they are comparable, because after the Cold War, Africa had been depleted because of their division into pro-USA forces and pro-Soviet forces during the Cold War, as they underwent a number of proxy wars for the USA and the Soviet Union. After having served their purpose Africa was then disregarded and faced with â€Å"indifference† from forces that had had an increasing interest in it before (Dersso, 15.)When discussing the economy there are also rather ambitious initiatives on the AL and the OAU’s parts, in their missions they strive for unity, but one of the main constituents of said unity, is economic unity, whereby member states implement policies that will be beneficial to one another’s economies as is the case with the EU, they have a unified currency and an open market, whereby, goods, services and people are not taxed when traded between members.The EU is the only Regional Insisution with a separate monetary system which makes , â€Å"the EU has become greater than merely an arena of inter-state co-operation and has taken on many state-like powers† (Bradbury 18). This however does not work with the Arab League, because of the lack of a policy which dictates the existence of such a market but also because of the division in wealth in the Middle East, oil-rich states such as Saudi Arabia, Kuwait and Qatar control the capital and give money to the poorer members such as Egypt, in exchange for one thing that Egypt has in abundance: labor and cheap labor at that (Korany, 279.)Also how can the Arab League hope to achieve such unity when travelling between member states still requires visas and there are still taxes on products traded between member states? Again, the mission is ambitious with no real actions taken to implement. As for the OAU, the member states are still very much in conflict as is evident by Africa’s human rights violations and constant violence. After all , Africa is simply too large and divided to ever fit under one banner.After all, overcoming colonialism is not simple; North Africa is an attest to that, with French being a prominent language, even though it was the tongue of their colonizers. In the Arab League’s charter there is a clause which dictates that states in aggression shall be forced into deliberations by the League itself and shall receive a majority vote on what they are expected to do, â€Å"the league’s decision shall then be effective and obligatory.†This however, did not seem like a viable clause as there have been many conflicts between states in the Arab League and interventions were long and tedious and ultimately rendered useless, when there are clauses and no way to implement them, then it is ambitious to place them in the charter in the first place. The importance of pan-Arabism and pan-Africanism is also note-worthy.Pan-Arabism started in the Middle East with leaders like Egypt’s Gamal Abdel Nasser and his nationalistic sentiment; it is a concept which dictates that Arab nations should unite because of a shared Arab identity (Reiser, 1983. ) Ever since pan-Arabism was introduced, Arabs have been asking themselves what it stands for and what is it based on (Reiser, 1983), it was the leaders ambition, one that was evidently misplaced as the citizens of member states don’t see each other as Arab, rather, Egyptian, Syrian, Lebanese etc.One also begins to ponder the role of colonialism here; different nations have colonized the members of the Arab League, for example: Egypt was colonized Britain and France, Libya by Italy, North Africa by France and Jordan by Britain, there are remnants of these â€Å"cultures† in these countries, and hence there is a difference in psyche and a difference in identity.Pan-Arabism and pan-Africanism are both supposedly built on an â€Å"identitarian† principle yet Hall argues that identity get created through discourse, it’s not a stable entity but a process that is incomplete and is reproduced through process (Hall 16). This same problem exists in Africa and pan-Africanism has the same logical holes in it, African states were and still are very much divided (as I have mentioned previously), so how can they all exist under one African umbrella? Hence, the Arab League fails (Pinfari, 1. ) The OAU fails. ï » ¿Failure of the Arab League In the wake of any great conflict, states will try and assemble a system that is based on unity and prevention of further conflict, there are several aspects usually addressed, including the economy and the international relations. In the wake of World War 2 the UN assembled to form the new world order (Pinfari, 1. ) In the Middle East, 6 founding members (Egypt, Transjordan, Saudi Arabia, Syria, Lebanon and Iraq) formed the Arab League, an organization founded upon a common sense of Arabism with a goal of Arab unity (Pinfari, 2.)In the wake of the Cold War, Africa found itself at a political disadvantage because of the fragmented politics of the continent, they were at a geographical advantage and wanted to make use of that, so they formed the African Union to address inner-conflicts and the mayhem caused by the remains of colonialism after the Cold War (Dersso, 13-14. ) On the other side of things the European Union formed in the late 1990’s with a different mission in mind when compared to the two aforeabmentioned organizations.The Arab League and the African Union’s missions were more ambitious than those of other political organizations such as the EU and the UN, due to many reasons why this paper will focus on discussing their economy, their judiciary and the effect of pan-Arpabism and a pan-African perspective. When nations group under one banner as is the case in the examples mentioned, the issue of their individual political sovereignty is brought into the foreground as countries value their autonomy.The European Union is more of a â€Å"union† in the judiciary sense than the Arab League: while the Arab League clearly states in its charter that the League has no right to intervene in the internal affairs of a member country unless their overall safety is compromised, this then makes way for dictators like Qaddafi to rule for years in what certain scholars would view as a tyrannical manner.The judiciary of each country is separate f rom the Arab League which isn’t the case with the EU, whereby the Court of Justice of the European Union has the right to supersede any national court of law (Wallace, 484), by so doing maintaining peace in a more efficient way. How does this make the Arab League’s mission more ambitious, is that they are seeking peace and unity based on a sense of Arabism rather than an effective judicial system (Reiser, 1), and it is ambitious to assume that this will prevail.When discussing the Organization of African Unity (OAU), their mission can also be seen as more ambitious than that of the EU, the OAU’s mission was to establish widespread security and unity between African members of this union through the ideal of â€Å"African Solutions for African problems,† but like the Arab League, their mission contains certain clauses that are emphasized in discourse, yet not much is done to re-enforce them (Dersso, 13), and often the governments of individual states will do as they please, as is the case with the Rwanda genocide in 1994,with no higher judicial force to intervene, and that is where they fail (Tavares, 23.)Africa however should not be grouped with the Arab League, even though they are comparable, because after the Cold War, Africa had been depleted because of their division into pro-USA forces and pro-Soviet forces during the Cold War, as they underwent a number of proxy wars for the USA and the Soviet Union. After having served their purpose Africa was then disregarded and faced with â€Å"indifference† from forces that had had an increasing interest in it before (Dersso, 15.)When discussing the economy there are also rather ambitious initiatives on the AL and the OAU’s parts, in their missions they strive for unity, but one of the main constituents of said unity, is economic unity, whereby member states implement policies that will be beneficial to one another’s economies as is the case with the EU, they have a unified currency and an open market, whereby, goods, services and people are not taxed when traded between members.The EU is the only Regional Insisution with a separate monetary system which makes , â€Å"the EU has become greater than merely an arena of inter-state co-operation and has taken on many state-like powers† (Bradbury 18). This however does not work with the Arab League, because of the lack of a policy which dictates the existence of such a market but also because of the division in wealth in the Middle East, oil-rich states such as Saudi Arabia, Kuwait and Qatar control the capital and give money to the poorer members such as Egypt, in exchange for one thing that Egypt has in abundance: labor and cheap labor at that (Korany, 279.)Also how can the Arab League hope to achieve such unity when travelling between member states still requires visas and there are still taxes on products traded between member states? Again, the mission is ambitious with no real actions t aken to implement. As for the OAU, the member states are still very much in conflict as is evident by Africa’s human rights violations and constant violence. After all , Africa is simply too large and divided to ever fit under one banner.After all, overcoming colonialism is not simple; North Africa is an attest to that, with French being a prominent language, even though it was the tongue of their colonizers. In the Arab League’s charter there is a clause which dictates that states in aggression shall be forced into deliberations by the League itself and shall receive a majority vote on what they are expected to do, â€Å"the league’s decision shall then be effective and obligatory.†This however, did not seem like a viable clause as there have been many conflicts between states in the Arab League and interventions were long and tedious and ultimately rendered useless, when there are clauses and no way to implement them, then it is ambitious to place them in the charter in the first place. The importance of pan-Arabism and pan-Africanism is also note-worthy.Pan-Arabism started in the Middle East with leaders like Egypt’s Gamal Abdel Nasser and his nationalistic sentiment; it is a concept which dictates that Arab nations should unite because of a shared Arab identity (Reiser, 1983. ) Ever since pan-Arabism was introduced, Arabs have been asking themselves what it stands for and what is it based on (Reiser, 1983), it was the leaders ambition, one that was evidently misplaced as the citizens of member states don’t see each other as Arab, rather, Egyptian, Syrian, Lebanese etc.One also begins to ponder the role of colonialism here; different nations have colonized the members of the Arab League, for example: Egypt was colonized Britain and France, Libya by Italy, North Africa by France and Jordan by Britain, there are remnants of these â€Å"cultures† in these countries, and hence there is a difference in psyche and a difference in identity.Pan-Arabism and pan-Africanism are both supposedly built on an â€Å"identitarian† principle yet Hall argues that identity get created through discourse, it’s not a stable entity but a process that is incomplete and is reproduced through process (Hall 16). This same problem exists in Africa and pan-Africanism has the same logical holes in it, African states were and still are very much divided (as I have mentioned previously), so how can they all exist under one African umbrella? Hence, the Arab League fails (Pinfari, 1. ) The OAU fails.

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Film music - Essay Example The sounds of chirping birds, barking dog, a man cutting grass with a lawn mower, water being sprinkled from a hose, a man fixing the roof with a hammer making thudding sound are very clear. The sound of Bogs’ brisk footsteps across the zigzag path, carrying her blue bag marks the start of her busy day. The moment she rings the bell of Helen’s house a buzzing sound coming from inside the house disappears. Helen opens the door and Pegg gives her pitch in a bright cheerful tone. The next scene shows a plumber’s van parked outside the house of a lonely housewife, Joyce. There is music in the background. The song is romantic and it seems odd with the morning time. The plumber complains that she didn’t even have to call him to ‘fix’ the dishwasher; she could have taken care of it herself. The woman talks in a very slow sleazy voice as if to seduce the man who is appearing very professional in his tone and voice. The ring of the doorbell ruins her mood as she exclaims ‘who could that be?’ The music keeps playing. The moment she opens the door the sound birds chirping becomes clear again and Pegg starts pitching her Avon products. Joyce continues in her breathy sleepy voice that she isn’t supposed to be there as she was busy. The tapping of her fingernails on the wooden frame of the door is also very clear as she taps it impatiently waiting for Pegg to leave. And the Joyce’s slamming of door stops the song and the scene changes. The grim music from organ piano is played by a lady in one house and Pegg loses her heart and moves towards her car. In the background two children pass on bicycles singing ‘ding dong the Avon Lady!’ to mock Pegg. She gets in her car but the grim organ music keeps playing. She writes off the names of people on her list with a very loud scratching off pen. The moment she adjusts her mirror and sees the castle in it a very grim sounding piano is played in the background, accompanied by strings

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Political science as the discipline - Essay Example The present research has identified that in the inaugural term, the structure of governance in the United States is examined by exploring the Constitution and the fundamental idea of the separation of powers. Once this foundation is laid, students learn about the importance of elections particularly focusing on the Congressional elections, Presidential elections, the role of the Electoral College and the gerrymandering of Congressional districts. The class undertakes to provide an in-depth exploration of the interactions between Congress and the President specifically on issues around gridlock, public opinion, and the media. This essay discusses that having examined how laws are made in the first semester; the second semester begins by exploring how laws are carried out by the bureaucracy as well as how such laws may bring the federal government into conflict with state governments. The researcher states that attention is switched to the role of the judiciary, where the students exam ine the influence of the Supreme Court on the American political process with special attention devoted to issues surrounding civil liberties and civil rights. This paper illustrates that during this duration, the student’s time is mostly devoted to investigating foreign policy in the context of the current challenges confronting the United States, as well as long-term debates surrounding exceptionalism and declinism.

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Jurisprudence and corporate Social Responsibility Essay - 1

Jurisprudence and corporate Social Responsibility - Essay Example the â€Å"first virtue of social institutions, as truth is of systems of thought.† Therefore, justice can be distinguished from compassion, mercy, generosity, benevolence and charity. The understanding of the concept of justice varies between societies depending on their mythology, religion and shared history. However, the common feature about the notion of justice in every society is that it is influenced by values created by the society’s ethics. Generally, justice has been viewed by societies as either harmony, natural law, divine command, a human creation, a mutual agreement, a subordinate attribute and even as a trickery. The duty of the ensuring that justice is accorded to every member of the society is a corporate social responsibility. There are different approaches or theories that can be applied in defining what constitutes justice in a country. The three theories of justice that will be discussed in this paper are Justice as Fairness, Utilitarianism and Libertarianism. According to utilitarianism, a society can be said to be just if its institutions and laws promote the greatest total or average happiness of every of its member (Hare 1982). The question in this theory is â€Å"how we determine the overall happiness and/or satisfaction of each member of the society?† Therefore, this theory can be said to provide an indirect approach to the issue of justice because justice is not like weight or temperature that can directly measured. Traditionally, utilitarianism relied upon the account of forms of organization and social conditions necessary for the realisation of this good. It also relied on the theory of human good, that is, that which was though to be good for human beings or that which they needed for them to flourish (Mary 1973). The problem here is that it is not possible for all people to agree on what type of things or life is desirable. For example, financiers, ministers, intellectuals, artists, soldiers, salespersons or athletes have

Sampling assignment Essay Example | Topics and Well Written Essays - 500 words

Sampling assignment - Essay Example nd-picked to constitute a team of 20 students without condition or any other consideration (be it a student of any level, of any particular gender or age). The result of the average of the sample in comparison with the population is showing a relative large deviation since the first sample is just a mere representation of the whole population constituting 20% of the whole population in general. Another aspect of the big deviation is the existence of extreme values within the first sample for instance while student ID no. 1 has zero days for being absent, the student ID no. 7 has 13 days of absenteeism. The second sample of this sampling technique is categorically picked on the basis of gender. The technique seeks to investigate the difference created as a result of the school attendance among the boy-child vis a vis the girl-child. This second sample particularly check the absenteeism rate across the whole school for the girl-child gender. The list of the 20 students randomly picked from the whole population of the 100 students are as stated in correspondence with their ID numbers and the number of days a student has been absent from school over the period. The positive deviation felt in the second sample as compared to the population average is as a result of reduction in sample space from 100 to 20 students for the sampling purposes. The average rate of absenteeism among the girls is slightly higher than the average population average, showing absenteeism is higher among girl-child in school. The third sample of this sampling technique entails the 20 boys among the 100 students population. This sample randomly picks at student from any grade, any age as long as he is a boy-child for this sampling purpose. Their ID numbers are recorded alongside their respective number of days one has been absent from school as follows: The average rate of absenteeism among the boys in the school is slightly above the average rate of absenteeism in the general population of

The American Civil War Essay Example for Free

The American Civil War Essay The impact that religion had on reforms from the 1820s to the 1850s can clearly be seen in the effect that it had in contributing to the American Civil War. Religion played a key role in the different positions that the North and the South were going to take with regard to the issue of slavery. The Presbyterian, Baptist and Methodist teachings espoused themes of both unity and separation. This was echoed well during the activities in 1837, 1844 and 1845, respectively, when the bond of national unity was broken. Instead of unifying a country, most of the religious influences during this time caused the alienation of most sectors by projecting distorted images. In turn, this led to the establishment of independent sects in a once united country. This rift and sectional independence was sustained by the growing moral outrage that each side felt for each other. The overemphasis of the church, during this period, on individualism failed to provide the leadership necessary to steer the nation through many issues, none more pivotal than that of slavery. An example of this would be the reforms instituted by the Republican Party. These reforms were rooted on a form of Calvinism that was deeply moderated. The southern evangelicals on the other hand, attempted to resist the influence of religion into politics by supporting the confederacy. The opposite reforms that each side was about to take from the 1820s to the 1850s was caused by the inability of religion to collectively and squarely address the issue of slavery. For the north, it was reforms that were rooted on social action while the South focused their reforms on personal piety. While both sides championed the Bible in their quest to resolve the issue on slavery, they each took opposing opinions which eventually took them down the path of one of the most radical reforms in American history.

Protecting Nature

Protecting Nature Protecting Nature Why should we protect nature? Earth is our home and we have to love it. In earth are things humans needed but they destroy them and never worry about it. â€Å"Many animals are in extinction because of earth destruction.† ( Charman , 1) Animals are disappearing since people dont save nature. â€Å"Flora and fauna is destroying because we dont take care of it.† (Laguna de Terminos 1) Flora and fauna hurt because of all the damages we have done to it. â€Å"Global warming is happening over and over but no one think about it.† (Protecting the home we lice in) Global warming is occurring all over earth but we dont care about it. All this is happening because we never worry about our home and its problems. All of us dont save the beautiful paradise god gave us. â€Å"Many animals are in extinction because of earth destruction. Animals are in extinction because new species are better in getting and on living space. Others are in extinction because of changes and destruction of nature. People hunt animals and destroy their home. They also put other animals for getting their resources and environment. Animals extinction happens because of humans.† (Charman 1) According to Andy Charman animals are in extinction because all of us destroy their habitat and kill them. Changes in nature happen because of what we have done to the environment they replace animals for stronger ones. Also all of us destroy planet, and that make changes in nature, but animals are not adapted to the changes so they die. Sometimes we need only one part of an animal and we kill them for a silly thing. Extinction happens because of all humans. Flora and fauna is destroying because we dont take care of it. â€Å"It is destroying in many ways. One of them is deforestation and habitat destruction. Another is contamination of the fluvial lagoon systems by bacteria and agrochemicals. Also petroleum exploration and production destroy flora and fauna.† (Laguna de Terminos1) According to Laguna de Terminos, flora and fauna is destroying because people want to improve economy and other things. People never worry about their needs in environment. People create systems and machines that make bacterias that devastate nature. We never take care of what we really need for living and surviving on earth. All nature helps us survive, but one day, many problems will face and we will be sorry about not protecting nature. â€Å"Biodiversity is a problem for scientists and it makes flora and fauna be affected†. (CBBC1) All humans makes biodiversity destroy and also make flora and fauna start disappearing. Biodiversity is important to all plants and animals but we destroy so plants and animals die. We start destroying one thing of nature and everything starts to destroy gradually. We never worry about destroying one little thing of our environment because we never think how things can start disappearing. Biodiversity its needed by flora and fauna but while humans destroy it, flora and fauna also destroys. â€Å"Global warming is happening over and over but no one thinks about it. Temperature increases and kills many living things. Global warming makes the sea rise and water covers many islands. Also global warming happens because of electrical pollution. Global warming damage many parts of the world and sometimes that parts are places where living things find their food but when it is destroy there no food anymore.†(Protecting the home we live in.1) According to â€Å"Protecting the home we live in†, global warming makes things change and kill many living things. People make global warming happens by electricity but they dont care and do things to prevent global warming. Global warming damage many places that living things get their food but we are ignorant and think that nothing happen and that we can fix everything is destroyed. â€Å"Global warming also makes disease spread all over many countries so many people die. It makes increase the intensity of heat waves and cause hurricanes or tornadoes.† (Environmental Graffiti.1) Global warming makes diseases spread through out the world and kill many animals. It also affects heat so animals start dying because they dont adapt to the environment, plants and humans, too. Global warming has many effects in humans and in nature. The diseases and heat make nature destroy little by little and also make some geographic accidents like hurricanes or tornadoes. All the diseases damage all living things and some times all nature. â€Å"It also happens because we waste water.† (naturehero1) We also waste water in things we dont really need and global warming starts advancing. Water is important but we dont realize the importance and waste it always. People never take care of the things they need and that only nature can give them. All humans need water but everyone ignores that and starts wasting it in silly things. We ignore the things we need for surviving specially water and we dont realize that ignorance all of us have. We should protect nature because we destroy our home and others home. Earth is our home and we have love it and caring it. If we take care of it, nothing will be damage and many people, animals , and plants could live better . Global warming and extinction will not happen when we worry about earth and take care of it. Flora and fauna will not be destroy and disappear forever. Anything will be contaminated and we will not die soon and suffer any bad disease. We will have the best home ever and will be beautiful. Nature help us a lot in things we need like water and food but by destroying nature all that things will disappear and we could die or starve . Work Cited 1. CBBC. CBBC centre for the Balkan biodiversity conservation. University of Novi Sad. June 18 22, 2008.WEB 2. Charman, Andy. Wonder Why the Dodo and other questions about extinct and endangered animals. New York: kingfisher. 1996. WEB 3. Environmental Graffiti. 5 Deadliest Effects of Global Warming. Tue, Sep 11, 2007.WEB. 4. Laguna de Terminos. â€Å"Flora and fauna protection area.†Laguna de Terminos. Web. 5. Protecting the Home We Live In: Environmental Issues Novi Meadows Elementary, 2002 .web. 6. Naturehero. Naturehero â€Å"become a naturehero† January 13th, 2010.web.

Influenza Causes People to Stay Home :: Journalism Media Studies Health Medical Essays

Influenza Causes People to Stay Home Yesterday the influenza record was broken as the highest number of [cases] in New York City alone was 5589 in a single day! The numbers are staggering and many people are looking at taking more precautions at preventing the disease to spread to them and loved ones. People everywhere are wondering if enough is being done to prevent influenza from spreading. The board of health has passed a sanitary code which includes the following sections: "Section 89 of the sanitary code requires isolation and quarantine of persons infected with infectious disease. Section 98 of the sanitary code provides that no person in the city of New York, without a permit therefore issued by the Board of Health, carry, move, or caused to be carried, or moved in any matter whatsoever in any public place or street any person infected with infectious disease, nor shall any person remove or cause to be removed in the City of New York any such person from any building or vessel, without a permit therefore, issued by the Board of Health. Section 100 of the Sanitary Code provides that no person shall by any exposure of any individual sick with an infectious disease or by any negligent act connected therewith, or by a needless exposure of himself cause, contribute to, or pr omote the spread of disease to any such person." However even with these strict sanitary codes people are taking further measures. Many parents that I interviewed reported that they were even avoiding sending their children to school because of fear of catching influenza. Jack Smith of Manhattan stated, "Why would I want to put my children at such a risk? I would rather sacrifice a small portion of their education for their protection and even lives." Schools are however making serious efforts at preventing the spread of disease amongst students. Dr. William L Ettinger who is the Superintendent of Schools, sent a letter of instructions for all school officials on how to deal with influenza in the schools. Some of these instructions state that "proper and adequate ventilation of classrooms must be maintained" and that "pupils be required to hold their pocket handkerchiefs in front of their mouths and noses when coughing and sneezing." Another rule given amongst the long list is that "each teacher be instructed to inspect her class of pupils carefully each day and to refer to the school doctor or nurse any child showing acute cold, congestion of the eyes with watery secretion from the nose, acute sneezing or coughing.

Characters, Setting, Themes, and Symbols of Heart of Darkness Essay

Characters, Setting, Themes, and Symbols of Heart of Darkness      Ã‚   Deep within the chest of every man, woman, and child beats the heart of darkness. On the surface, mankind has achieved a sophisticated level of civilization. Joseph Conrad forces the reader to peel away the pristine layer of sweetness and see the unaltered truth. Heart of Darkness reveals the true nature that lurks behind every smile, handshake, and conversation. Conrad's portrayal of the characters, setting, symbols, and ironies allow the reader to reflect on the true nature of man.    Each of the main characters in Heart of Darkness plays a significant role in the overall theme of the novel. The central character is a thirty two year old sailor, Charlie Marlow. He is a dynamic character who essentially controls the development of the theme. Through Marlow's experiences and revelations, the author illustrates how forces of light and darkness serve to weave the human soul together; thus, essentially how good and evil are reflected in an individual. Marlow's journey leads him in an urgent search for Kurtz, the one man who can... ...art lies the raw evil of untamed lifestyle" (Heart of Darkness: A systematic evaluation).    Works Cited "The Congo" Created December 07, 1997 (Accessed 12 February 2002). Conrad, Joseph. Heart of Darkness. New York: Penguin Books, 1983. "The Fear" Created December 07, 1997 (Accessed 12 February 2002). "Heart of Darkness: A systematic evaluation of the darkness inherent in men's souls" "The Perfect Native" Created December 07, 1997 (Accessed 12 February 2002). "The Setting" Created December 07, 1997 (Accessed 12 February 2002). Characters, Setting, Themes, and Symbols of Heart of Darkness Essay Characters, Setting, Themes, and Symbols of Heart of Darkness      Ã‚   Deep within the chest of every man, woman, and child beats the heart of darkness. On the surface, mankind has achieved a sophisticated level of civilization. Joseph Conrad forces the reader to peel away the pristine layer of sweetness and see the unaltered truth. Heart of Darkness reveals the true nature that lurks behind every smile, handshake, and conversation. Conrad's portrayal of the characters, setting, symbols, and ironies allow the reader to reflect on the true nature of man.    Each of the main characters in Heart of Darkness plays a significant role in the overall theme of the novel. The central character is a thirty two year old sailor, Charlie Marlow. He is a dynamic character who essentially controls the development of the theme. Through Marlow's experiences and revelations, the author illustrates how forces of light and darkness serve to weave the human soul together; thus, essentially how good and evil are reflected in an individual. Marlow's journey leads him in an urgent search for Kurtz, the one man who can... ...art lies the raw evil of untamed lifestyle" (Heart of Darkness: A systematic evaluation).    Works Cited "The Congo" Created December 07, 1997 (Accessed 12 February 2002). Conrad, Joseph. Heart of Darkness. New York: Penguin Books, 1983. "The Fear" Created December 07, 1997 (Accessed 12 February 2002). "Heart of Darkness: A systematic evaluation of the darkness inherent in men's souls" "The Perfect Native" Created December 07, 1997 (Accessed 12 February 2002). "The Setting" Created December 07, 1997 (Accessed 12 February 2002).

The Search for an Honorable Leader in Hamlet and Macbeth Essay

The Search for an Honorable Leader in Hamlet and Macbeth Hamlet clearly defines a good leader in this passage in Hamlet; "Look here, upon this picture, and on this, The counterfeit presentment of two brothers. See, what a grace was seated on this brow; Hyperions' curls; the front of Jove himself; An eye like Mars, to threaten and command; A station like the herald Mercury New-lighted on a heaven-kissing hill; A combination and a form indeed, Where every God did seem to set his seal To give the world assurance of a man." Act III Sc. IV He states that an individual must attain the qualities: grace, leadership, well roundedness, and reverence. Using Hamlet's definition, Macbeth would be considered the exact opposite and in many ways the antagonist to Hamlet's assertion of honorable leader. Macbeth contained qualities that tarnished his prestige in the blink of an eye, and his lack of ability to process certain decisions he made revealed his innate character which was ultimately beheaded. One of the most important characteristics for a prosperous leader to have is grace, which Macbeth knew nothing about. He was a war-hero, and was uninterested in what society perceived him to be. His superstition and dependence on the witches visions show his weakness as a character, and especially as a leader. His beliefs in the witches eventually lead him down the wrong path when he returns to the witches for another proclamation of their visions, which all are apparently true, but misunderstood by Macbeth. In the end, as the visions become reality, Macbeth realizes that he has failed to grasp a hold of the tangible aspects of his life, and wa... ... loudly for him." (Act V Sc. II) In his closing statement, Fortinbras shows his grace and well-roundedness by honoring Hamlet, and understanding that he too went through what Fortinbras himself had to go through his entire adult life, living without his father. For those reasons, Fortinbras is a true leader, and the best representation in these two plays of a leader according to Hamlet's definition. In both plays, many characters are portrayed as being multi-layered, and viewed through many perspectives. Many characters are presented as one thing, but as the play continues, the layers peel, and the character is quickly defined as something different. As Macbeth fought to keep sane, his leadership was hastily tainted. Fortinbras on the other hand, kept his mind set on his goal, and achieved it proving him to be the true leader.

A Study On Construction Risk Management Engineering Essay

This paper discusses hazard in the building industry and how building contractors are covering with it. A aggregation of adept sentiments and theories, this paper discusses the general hazard direction theoretical account from hazard designation, appraisal and analysis of hazard, and commanding and pull offing hazard. Discussion of building insurance and building bonding are discussed, every bit good as how they are utilised as tools in building hazard direction. The experience qualifier is explored in how it is of import in a building hazard direction plan. In add-on, a checklist is provided that highlights the most general points that need to be considered in a hazard direction plan. The building industry could see to be one of the most dynamic, hazardous, and disputing industries in the universe. In add-on, the building industry has a really hapless repute for pull offing hazard, with many major undertakings neglecting to run into deadlines and cost marks ( Mills, 2001 ) . Many times this consequences in hapless undertaking public presentation ( Tah 2000 ) . This is greatly influenced by the fact that this industry is exposed to many altering variables of different magnitudes. Some of the more normally known variables are weather, productiveness of labour and equipment, and quality of stuffs. All excessively frequently, hazards are either ignored, or dealt with in a wholly arbitrary manner. One of these ways may be by merely adding a 10 per cent eventuality onto the estimated cost of a undertaking with the premise that this will cover any of these possible and unknown variables. In an industry like building, this attack may be unequal, ensuing in expensive holds , extenuation, judicial proceeding, or even bankruptcy. Of equal importance, any contractor who has lost a occupation due to turning in a high command, may non wish entertaining the thought that this method of utilizing eventuality as a hazard direction tool may hold been the cause of losing a command on a occupation. A small planning and apprehension of what the possible hazard were for the contract aided by the appropriate actions, may hold allowed the contractor to hold won the command and still be in a place of being protected from these industry variables that may hold been endangering during the life of the building undertaking. In building, building directors and proprietors study hazard, the possible realisation of unwanted effects from jeopardies originating from a possible event on the building undertaking, the appraisal of the acceptableness of the hazards, and the direction of unacceptable hazards ( Hipel, 2000 ) . On a building site for illustration, the chance of a building decease ( unwanted effect ) is a hazard caused that can be caused by a safety job ( jeopardy ) at the occupation site ( event ) . Risk direction is the term for the systematic analysis and control of hazard, such as forestalling building accidents from go oning. Hazard in general pervades modern society and is widely acknowledged, it continues to do ageless contention and argument ( Hipel, 2000 ) . The definition of hazard contains two constituents: the chance of an unwanted effect of an event and the earnestness of that effect. Hazard is the chance that an inauspicious event occurs during a declared period of clip ( Royal Society 1991 ) . The ground that building, when compared to other concern industry sections, has an increased leaning for hazard state of affairss is because of the legion booby traps involved with this industry. These booby traps represent repeating jobs that significantly affect both cost and agendas for about any type of building undertaking ( Palmer 10 ) . The following tabular array illustrates these usual booby traps ( Palmer 11 ) : OwnerInterior designerContractorFailure to fundDefective programs and eyeglassesDecelerate to mobiliseOwner-furnished stuffs non availableShop pulling reappraisal and stuff blessingFailure to staff undertakingMajor alterations in demandsImproper or delayed alteration ordersFailure to supply sufficient equipmentFailure to do advancement paymentsFailure to organize between primesFailure to organizeInterventionInadequate informationInadequate undertaking direction controls Risk direction is an of import portion of the decision-making procedure of all building companies. Hazard and uncertainness can potentially hold damaging effects for some building undertakings. Hazard can impact productiveness, public presentation, quality, and the budget of a undertaking. Hazards on a building undertaking can non be eliminated, but it can be minimized, transferred, or retained ( Mills, 2001 ) . It is recommended that directors involved in the building procedure implement hazard direction techniques from the origin of a undertaking to its shutting. While there are different direction theoretical accounts available ( see figure 1 for an illustration ) , they by and large follow a similar form. This form is modeled after the undermentioned stairss:Designation of HazardAppraisal and Analysis of HazardControling and Managing of the Hazard Risk direction is non a new construct and is considered to be a systematic attack to covering with hazard. Much research has been done in rating and direction of hazard ( Kangari 1989 ) . Successful contractors must understand and pull off the hazards that are encountered with building ( Insurance Institute of America 1995 ) . Traditionally it has been applied instinctively, with hazards staying implicit and managed by judgement, informed by experience. The systematic attack makes the hazards clear, officially depicting them and doing them easier to pull off. In other words, systematic hazard direction is a direction tool, which requires practical experience and preparation in the usage of the techniques ( Mills 245 ) . Harmonizing to Godfrey ( 1996 ) , systematic hazard direction helps to:Identify, buttocks, and rank hazards, doing the hazards explicit ;Focus on the major hazards of the undertaking ;Make informed determination on the proviso for hardship, e.g. extenuation steps ;Min imize possible harm should the worst happen ;Control the unsure facets of building undertakings ;Clarify and formalise the company ‘s function and the functions of others in the hazard direction procedure.Identify the chances to heighten undertaking public presentation It has been found that the designation of each hazard is an indispensable first measure in hazard direction and is perchance the most hard. The designation of each beginning of hazard and the constituents of that hazard constituent allows the hazard point to be separated from others ( Williams 1995 ) . Consideration of each act uponing factor will simplify the analysis and direction of the hazard. In hazard designation, the cardinal inquiry to inquire is: What are the distinct characteristics of the undertaking ( hazard beginnings ) that might do such failure? ( Godfrey 1996 ) . The pragmatism of hazard estimations increases as the undertaking returns. However, the major determinations should be made early in the life of the undertaking, as eventuality stairss need to be put into topographic point to counter the hazard. So despite the troubles, a realistic estimation of the concluding cost and continuance of the entire undertaking is required every bit early as possible. The Oklahoman that possible jobs and the associated hazards are identified in a building undertaking, the Oklahoman better direction techniques and determinations can be made to guarantee that the undertaking is non a job from the start. There is a 2nd, but every bit of import, ground for the early designation of hazard and uncertainness, it focuses the attending of project direction on the schemes for the control and allotment of hazard, e.g. through the pick of a contract scheme, buying of insurance and bonding ( Mills 248 ) . After hazard is identified, the hazard must be assessed for chance of bing on the building undertaking, and possible effects from happening and analyzed. Risk appraisal is the rating of the comparative importance of an estimated hazard with regard to other hazards faced by the population, the benefits of the activity beginning of the hazard, and the costs of pull offing the hazard ( Hipel 2000 ) . The impact of a hazard can be measured as the likeliness of a specific unwanted event and its unwanted effects or loss and can be shown mathematically where: RI = L x C Where: RI = Risk Impact L = Likelihood C = Consequence Hazard and uncertainness are portion of all building work regardless of the size of the undertaking. Other hazard factors that carry hazard include: complexness, velocity of building, location of the undertaking, and acquaintance with the work. These variables must be assessed in respects to their impact on the undertaking, which is normally fiscal in construction. When serious hazards occur on undertakings the effects can be really detrimental. In utmost instances, clip and cost overproductions turn a potentially profitable undertaking into a loss-making venture. Research has showed that cost and clip marks are frequently missed due to unanticipated events that even an experient undertaking director can non expect. These events are known in progress, but their extent could frequently non be quantified. For illustration, industrial differences, delayed determinations, or changed land conditions may all be anticipated, but their likeliness and impact are difficult to foretell with any preciseness as no two building undertakings are the same ; this makes it of import to place hazard beginnings for each undertaking ( Mills 246 ) . It is recommended that it may be utile to group hazards harmonizing to simple steps of their chance and likely impact, by concentrating on what is of import and the action that controls the hazard. In a building undertaking, the result can ever be unexpected, as costs may be less than anticipated, the conditions may be sort, grosss may transcend outlook. Therefore, hazards can sometimes be viewed every bit good every bit long as they are allowed for. Indeed, it is the function of a building director to pull off hazard on behalf of the edifice client, and in return derive income or net income from the undertaking ( Mills 246 ) . Hazard analysis is the systematic appraisal of determination variables that are capable to hazard and uncertainness ( Edwards 1998 ) . The hazard analysis procedure is a portion of the hazard direction procedure in consisting the chance of happening of inauspicious events ; the scene of assuming bounds to associated uncertainnesss ; and the measuring of the possible impact of hazard event results. When building hazard is to be analyzed, some of the undermentioned hazard factors should be considered ( Insurance Institute of America 1995 ) : A. Project-specific hazard factors 1. Contract-owner relatedRepute of the contract proprietorOwner ‘s undertaking funding 2. Contract papers relatedPlans and specificationsContract termChemical bond signifiers 3. Performance RelatedProject Management and supervisingSize of the undertakingComplexity of the workSite and subsurface conditionsThe labour force and labour costsSubcontractsMaterialsConstruction equipmentTime to get down and finish the workLiquidated amendssCare warrants and care periodsWeather conditionsBid spreadsGeographic locationsEstimated gross net incomeContribution to operating net income ( loss )Dependability of cost estimations B. Work backlog hazard factorsCapacity of the contractor ‘s organisationContractor ‘s fiscal capacityNumber of contracts and hazard categorizations There are different tools and techniques used for analysing hazard and doing determinations under hazard. There are many ways to make this, from the reasonably simple to those that require a computing machine as a minimal tool. These tools have different complexnesss. Risk direction is one facet of direction scientific discipline. There are two wide classs of direction scientific discipline techniques: deterministic, and probabilistic ( or called stochastic ) . Deterministic techniques assume that the values of the determination variables are known with 100 % certainty, which is seldom the instance with building ( Flanagan 69 ) . Probabilistic or stochastic techniques on the other manus, are concerned with factors that can non be estimated with certainty, such as most informations associated with building ( Flanagan 69 ) . The following tabular array contains techniques that largely provide quantitative solutions, and integrate some subjectiveness, but are by and large used as decision-making techniques in analysing hazard and reacting to hazard ( Flanagan 1993 ) . Decision-making TechniqueWhere they are usedThe Risk PremiumHazard ResponseRisk-adjusted price reduction rateHazard ResponseSubjective ProbabilityHazard ResponseDecision Analysis -Algorithms -Means-end analysis -Decision Matrix -Bayesian ModelHazard Analysis/Risk ClassificationSensitivity AnalysisHazard ResponseMonte Carlo simulationHazard ResponsePortfolio TheoryStochastic Laterality When mensurating hazard, the likeliness, or the chance, of an inauspicious event, is normally expressed in footings of the figure of such events expected to happen in a twelvemonth ( Godfrey, 1996 ) . The effect of an inauspicious event, sometimes called harm, is frequently expressed in pecuniary footings. In the instance of human deaths or serious holds, it is more appropriate to utilize other steps, like yearss lost, or experience alteration evaluation ( Godfrey, 1996 ) . The hazard direction program should order processs that address the inactive and dynamic hazards built-in to the undertaking. The end of the program is to minimise the proprietor ‘s exposure to hazard from the start of design to tenancy and through the guarantee period, every bit good as the contractor and interior decorator ‘s hazards. The program should stress hazard consciousness. It should include processs that will place inactive and dynamic hazards, evaluate their possible loss value, and prescribe ways to efficaciously dispose of them in ways that serve the proprietor ‘s best involvements. The conventional agencies of hazard disposal are to:Extinguish the hazard, by taking an alternate class of actionShed the hazard, by allowing person else bear the loadAssign the hazard to others, by understanding or contractRetain the hazard and minimise it through micromanagement ( Haltenhoff 1998 ) . The list of hazards could be significant because it should be every bit comprehensive as pos ­sible. It should be started at the brainstorming session and continued throughout the procedure of the building undertaking until it is complete. Every squad member should be hazard, quality, and safety-conscious and contribute to the list as hazards are identified. The best attack is to ever maintain a â€Å" what if † atti ­tude when be aftering action or pondering determinations. Persons involved in the undertaking should non measure hazards to find their suitableness for the list. All hazards should be for ­warded to the top direction for rating ( Haltenhoff 1998 ) . It is besides of import to keep the hazard informations for usage in future undertakings. The obvious hazards built-in to a building undertaking can be identified by undertaking members and their experience. Typically, this may be the primary beginning for the possibility of hazard on the undertaking. Experienced building companies can probably lend a starter list accumulated from past undertakings and from the hazard informations that was collected. It is of import in hazard direction for the building undertaking members to add hazards to the list as they are discovered and experienced with. Risk direction should be a standing point on every squad meeting docket, because risk-management determinations should be inactive whenever possible. Inactive deci ­sions can merely be made if the hazards are identified early plenty to ease squad action. The major risk-management solution tool to be utilized is insurance ; surety bonding is a close sec ­ond. Loss due to accidents and non-performing contractors has the highest potency of all individual hazards. However, both these hazards are inactive hazards normally dealt with on every building undertaking and should be considered. The end should be to reexamine all identifiable hazards by precedence and set up processs to decrease the potency of each one. Hazard direction is a portion of catching and building that must be micro-managed ( Haltenhoff 1998 ) . In general, it is of import to retrieve that a hazard direction system should: set up an appropriate context ; set ends and aims ; place and analyse hazards ; influence haza rd decision-making ; and proctor and reappraisal hazard responses. ( Edwards 1998 ) . The hazard inherent in every building undertaking can be assumed by another party, assumed separately, or shared by holding parties. The chief guideline in finding whether a hazard should be transferred is whether the having party has both the competency to reasonably measure the hazard and the expertness necessary to command or minimise it ( Hartman, 1996 ) . It was found that both parties must hold a clear and similar apprehension of the hazard. Contracting parties who do non hold a shared apprehension of its answerability may mishandle the hazard event by presuming that the event or its corresponding effects are non their duty ( Hartman 1996 ) . The term â€Å" ownership of hazard † has a assortment of significances including:holding a interest in the benefit or injury that may originate from the activity that leads to the hazard ;duty for the hazard ;answerability for the control of hazard ;fiscal duty for the whole or portion of the injury arising from the hazard should i t happen ( Godfrey 1996 ) . In a hazard allotment study by Roozbeh ( 1995 ) , respondents were asked to put hazard associated with building into three classs: allotment of the hazard to the contractor, allotment of hazard to the proprietor, or a sharing of the hazard. The hazard allotment procedure of the respondents is shown in Table I and the degree of importance of hazard is shown in Table II. A similar study carried out by ASCE in 1979 showed that contractors were less willing to accept, or even portion hazard, preferring alternatively that proprietors accept duty for most building hazards. Responses to the two studies showed pronounced differences in sentiment sing third-party holds, Acts of the Apostless of God, damages, and existent measures of work ( Mills 247 ) . Typical allotment of hazard in a building undertakingHazard ALLOCATIONHazard DESCRIPTIONContractorLabour and Equipment Productivity Quality of work Labour, Equipment, and Material Availability Safety Defective Material Contractor Competence Inflation Actual Measures of Work Labour DisputesOwnerDiffering Site Conditionss Defective Design Site Access/right of manner licenses and regulations Changes in Government Regulations Delay payment of contract Changes in WorkSharedFiscal Failure – any party Change-order dialogues Contract-delay declarationUndecidedActs of God Third-party holds Defensive EngineeringDegree of Importance of HazardImportanceHazard ALLOCATIONHazard DESCRIPTIONMost ImportantContractor Contractor Contractor Owner OwnerSafety Quality of Work Labor and Equipment Productivity Defective Design Construction Competence/delayed paymentLeast ImportantOwner Owner Undecided UndecidedChanges in Government Regulations Site access/right of manner licenses and ordinances/inflation Acts of God Defensive Engineering As discussed, building work has many associated hazards. Some of these hazards by nature are risky, and accidents can be frequent and frequently terrible on a building site. The one-year toll of deceases, personal hurts, and belongings harm in the building industry has been highly high at times ( Clough 166 ) . When one is making research on hazard direction, a batch of information sing insurance is found. That is because after building hazards are identified, analyzed, and assessed building insurance is the lone manner to safeguard against the possibility of the appointed hazard from going a fiscal menace. Insurance is one of the most common hazard direction tools available to building directors and proprietors in making a eventuality for the hazard variables that may originate during a undertaking Insurance is a pool of money, sustained by premiums paid by an correspondent group of insured ‘s, that is called upon to cover specified losingss when they occur. Premiums fluc ­tuate in response to losingss as a agency of keeping the degree of the pool. Insurance is a competitory concern where insurance companies are invariably seeking new insured ‘s. Premium charges are competitory from insurance company to insurer and adjusted harmonizing to the loss expe ­rience of the insured ‘s ( Haltenhoff 294 ) . Construction insurance is required in three countries: Owner Protection, CM and A/E Protection, and Contractor Protection. Different building bringing methods and multiple catching do non alter the traditional signifiers and coverage ‘s of insurance but trade with some of them otherwise. Construction industry insurance is a extremely specialised field and building directors are normally non expected to hold insurance experts on their staff. However, a wide cognition of insurance is necessary to assist the proprietor set up a static-risk protection plan that provides effectual coverage and is compatible with the CM catching construction ( Haltenhoff 297 ) . The possible badness of building accidents and the frequence with which they can happen necessitate that the contractor protect himself with a assortment of complex and expensive insurance coverage ‘s. Without equal insurance protection, the contractor would be continuously faced with the fleeting possibility of serious or even catastrophic fiscal loss ( Clough 166 ) . Construction undertakings normally have in force several coincident contractual agreements between different parties. These understandings can be between proprietor and architect-engineer, between proprietor and general contractor, and between the general contractor and his several subcontractors. Contracts that provide for design-construct and building direction services and the usage of separate premier contracts can present extra considerations in the dialogue of the contract. When looking at all of these agreements as a whole within the building undertaking, these contracts can set up a complicated construction of duties for amendss originating out of the building operations ( Clough 166 ) . Liability for accidents can be placed on the proprietor or architect-engineer, every bit good as on the premier contractor and subcontractors whose equipment and employees perform the existent work. Many building contracts typically require the contractor to presume the proprietor and archite ct-engineer ‘s legal liability for building accidents or to supply insurance for the proprietor ‘s direct protection. Consequently, a contractor ‘s insurance plan usually includes coverage ‘s to protect individuals other than himself and to protect him from liabilities non lawfully his ain ( Clough 166 ) . An insurance policy is a conditional contract under which the insurance company promises, for a consideration, to presume fiscal duty for a specified loss or liability. The policy itself is a legal papers incorporating many commissariats refering to the loss against which it affords protection ( Clough 167 ) . Basically, the jurisprudence of insurance is identified with the jurisprudence of contracts. However, because of its confidant association with public public assistance, the insurance field is closely controlled and purely regulated by federal and province legislative acts. Each province has an insurance regulative bureau that administers that province ‘s insurance codification, a set of statutory commissariats that imposes ordinances on insurance companies refering investings, militias, one-year fiscal statements, and periodic scrutinies. Insurance companies are controlled as to their organisational construction, fiscal personal businesss, and concern methods. In most pr ovinces insurance policies must conform to statutory demands as to organize and content ( Clough 167 ) . The province of Oklahoma has the Oklahoma Insurance Department ( hypertext transfer protocol: //www.oid.state.ok.us/ ) with the mission statement to â€Å"serve and protect the insurance purchasing populace. This will be accomplished by guaranting that consumers have available a solvent insurance market, a knowing industry from which to buy insurance, and by supplying high-quality policyholder service and instruction. To this terminal, the Department will implement the insurance Torahs and ordinances of this province impartially and expeditiously.† This organisation is an illustration of a province regulative bureau that administers the province ‘s insurance codification. A loss suffered by a contractor as a consequence of his ain calculated action can non be recovered by the contractor under an insurance policy. However, carelessness or inadvertence on the portion of the contractor will non by and large annul the insurance contract. The contractor must pay a premium as the consideration for the insurance company ‘s promise of protection against the designated loss. Many types of insurance require the premium to be paid in progress before the policy becomes a force and consequence. In the event of a loss covered by an insurance policy, the contractor can non retrieve more than his loss ; that is, he can non do a net income at the disbursal of the insurance company ( Clough 167 ) . Insurance companies can be organized as stock companies or as common companies. The stock companies are organized in a mode similar to that of a bank, and ownership is vested in shareholders. The proprietor of an insurance policy has no ownership in the company and assumes no hazard of appraisal if the insurance company encounters fiscal contraries ( Clough 167 ) . A common company is one in which the policyholders constitute the members of the sing company and association. Every policyholder of the common company is, at the same clip, an insurance company and an insured. If it happens that the premiums collected are in surplus of the losingss, the surplus is returned to the policyholders â€Å"dividends† . By the same item, if losingss outweigh income, appraisals of the policyholders may be possible. State Torahs permit common companies that satisfy certain trials to- bound or extinguish the appraisal that can be levied against the members. Consequently, the policies of many common companies are non-assessable. This varies well with the bylaws and policies of the single common company. In belongings and casualty insurance, a field of insurance particularly of import to contractors, several mutuals are among the largest companies. In life insurance likely a bulk of the largest companies are mutuals ( Clough 167 ) . With the many jeopardies that confront the building concern and the many types of insurance types that a contractor can purchase for protection and hazard direction, it could be considered to be difficult for a contractor to make up one's mind merely what insurance is truly needed on building undertaking. In world, the contractor rather frequently has no pick. For illustration, it is standard pattern that building contracts require the contractor to supply certain insurance coverages ( Clough 167-168 ) . Construction contracts typically make the contractor responsible for obtaining coverages such as workingmans ‘s compensation insurance, contractor ‘s public liability and belongings harm insurance, and contractor ‘s contingent liability insurance. Property insurance to protect and liability insurance to protect the proprietor may be made the duty of either the proprietor or the contractor, depending on the contract ( Clough 167-168 ) . There are many illustrations of particular insurance being required by contract when the building involves unusual hazards or conditions. When the contract delegates to the contractor specific duty for obtaining certain insurance, it is customary that he be required to subject insurance certifications to the proprietor or the architect-engineer as cogent evidence that the coverage stipulated has, in fact, been provided ( Clough 167-168 ) . Some Construction contracts require the contractor to keep the proprietor and architect-engineer harmless by accepting any liability that either of them may incur because of operations performed under the contract. Most contract paperss that contain such insurance clauses are expressed in necessitating the contractor to secure appropriate contractual liability insurance ( Clough 167-168 ) . With respect to contractual insurance demands, it is ever good pattern for a contractor to subject a transcript of the contract paperss to his insurance company while the occupation is being bid and before building operations commence for analysis. The contractor is non normally an insurance expert and is non truly competent to measure the hazards and liabilities placed on-him by the contract. The contractors insurance agents or agents are qualified to analyse the paperss and rede him refering the insurance demands dictated by the linguistic communication of a given building contract ( Clough 167-168 ) . Certain sorts of insurance are required by jurisprudence, and the contractor must supply them whether or non they are called for by the contract. Workmen ‘s compensation ; motor vehicle ; unemployment ; and old age, subsister ‘s, and disablement insurance are illustrations of coverages required by legislative act. The jurisprudence makes the independent contractor apt for amendss caused by his Acts of the Apostless of skip or committee. In add-on, the premier contractor has a contingent liability for the actions of his subcontractors. Therefore, whether or non the jurisprudence is specific refering certain types of insurance, the contractor as a practical fact must secure several different classs of liability insurance to protect himself from his legal duty for amendss caused by his ain building operations every bit good as those of his subcontractors ( Clough 168-169 ) . Aside from coverages required by jurisprudence and the building contract, it is the contractor ‘s prerogative to make up one's mind what insurance shall be carried. Such elected coverages pertain chiefly to the contractor ‘s ain belongings or to belongings for which he is responsible. It is non economically possible for the contractor to transport all the insurance coverages available to him. That is why a contractor must measure the hazard with a hazard direction program in order to make up one's mind which tools of insurance demand to be utilized. If he purchased insurance protection against every hazard that is insurable, the cost of the ensuing premiums would enforce an impossible fiscal load on the building company. The extent and magnitude of a contractor ‘s insurance plan can be decided merely after careful survey, appraisal, and analysis. If a hazard is insurable, the cost of the premiums must be balanced against the possible loss and the chance of its happe ning and a determination must be made to what the contractor is willing to hazard. There are building hazards that are non insurable, and associated losingss must be regarded merely as ordinary concern disbursals ( Clough 169 ) . At times careful planning and punctilious building processs can minimise a hazard at less cost than the premium of a covering insurance policy. This becomes a halfway point of hazard direction. Thus the contractor may take to presume a deliberate hazard instead than to pay a high insurance premium. A contractor with experience in executing this procedure can salvage money and finally make an border over other contractors offering on the same building work. A common illustration by Richard Clough Tells of presuming such a hazard involves building that is to be erected instantly next to an bing construction. If the nature of the new building is such that the bing construction may be endangered by colony or prostration, the contractor has two classs of action unfastened to him. As one option he can include in his estimation the premium for a prostration policy. Such protection is high in cost and is by and large available merely with significant deductible sums. Alternatively, the contr actor can presume the hazard himself without insurance protection, taking to trust on his accomplishment and on extraordinary safeguards in building processs to acquire the occupation done without bad luck ( Clough 1981 ) . Insurance coverages are complex, and each new building contract presents its ain jobs. The contractor should choose a competent insurance agent or agent who is experienced in building work and familiar with contractors ‘ insurance jobs. Without competent advice, the contractor is rather apt either to incur the gratuitous disbursal of overlapping protection or to expose himself to the danger of critical spreads in his insurance coverage. The contractor can frequently cut down his insurance cost by maintaining his representative advised in item as to the nature and behavior of his building operations ( Clough 1981 ) . There are many different types of building insurance coverages, and non every policy is applicable to any one building undertaking. The types vary for each undertaking. The undermentioned checklist ( Clough 170-173 ) is non represented as being a complete list of insurance that could be needed on a building undertaking or as portion of a hazard direction plan, but it does incorporate insurance coverages typical of the building industry. Property Insurance on UndertakingAll-risk builder ‘s hazard insurance – This insurance protects against all hazards of direct physical loss or harm to the undertaking or to associated stuffs and occupation equipment caused by any external consequence, with celebrated exclusions. Builder ‘s hazard fire insurance – The basic policy provides protection for the undertaking, including stored stuffs and occupation equipment, against direct loss by fire or lightning. A figure of separate indorsements to the builder ‘s hazard fire insurance policy are available that add coverage for specific losingss.Extended coverage indorsement – This covers belongings against all direct loss caused by windstorm, hail, detonation, public violence, civil disturbance, aircraft, vehicles, and fume.Vandalism and malicious mischievousness indorsementWater harm indorsement – Insurance of this type indemnifies for loss or harm caused by inadvertent discharge, escape, or overflow of H2O or steam. Included are faulty pipes, roofs, and H2O armored combat vehicles. This does non include harm caused by sprinkler escape, inundations, or high H2O. Earthquake insurance – This coverage may be provided by an indorsement to the builder ‘s hazard policy in some provinces. Elsewhere a separate policy must be issued. Bridge insurance – This insurance is of the inland Marine type and is frequently termed the span builder ‘s hazard policy. It affords protection during building against harm that may be caused by fire, lightning, inundation, ice, hit, detonation, public violence, hooliganism, air current, twister, and temblor. Steam boiler and machinery insurance – A contractor or proprietor may buy this signifier of insurance when the boiler equipment of a edifice under building is being tested and balanced or when being used to heat the construction for stick oning, floor laying, or other intents. Unlike other belongings insurances listed here, this type includes some liability coverage. This policy covers any hurt or harm that may happen to or be caused by the boiler during its use by the contractor. Installation musca volitans policy – Insurance of this type provides protection for belongings of assorted sorts such as undertaking equipment and machinery ( heating and air conditioning systems, for illustration ) from the clip that it leaves the topographic point of cargo until it is installed on the undertaking and tested. Coverage terminates when the insured ‘s involvement in the belongings ceases, when the belongings is accepted, or when it is taken over by the proprietor. Property Insurance on Contractor ‘s Own PropertyFire insurance on contractor ‘s ain edifices – This coverage affords protection for offices, sheds, warehouses, and stored contents. Endorsements for extended coverage and for hooliganism and malicious mischievousness are besides available. Contractor ‘s equipment insurance – This type of policy, frequently termed a musca volitans, insures a contractor ‘s building equipment regardless of its location. Motor truck lading policy – This insurance covers loss by named jeopardies to stuffs or equipment carried on the contractor ‘s ain trucks from provider to warehouse or constructing site. Transportation musca volitans – Insurance of this type provides all-risk or named-peril protection for a contractor ‘s or proprietor ‘s edifice stuffs and equipment while being delivered. Burglary, robbery, and larceny insurance – This signifier of insurance protects the contractor against the loss of money or negotiable securities through burglary, larceny, robbery, devastation, disappearing, or unlawful abstraction. Fidelity bond – This surety bond affords the contractor protection against loss caused by dishonesty of their employees. Dishonesty, devastation, and disappearing policy – A comprehensive policy of this signifier protects against the loss of money and securities, on and off the premises, caused by dishonesty, cryptic disappearing, or devastation. It insures against dishonesty of employees, loss of money and securities, loss of securities in safety sedimentation, and counterfeit. Valuable documents devastation insurance – This policy protects the contractor against the loss, harm, or devastation of valuable documents such as books, records, maps, drawings, abstracts, workss, mortgages, contracts, and paperss. It does non cover loss by malposition, unexplained disappearing, wear and tear, impairment, varmint, or war. Liability InsuranceEmployer ‘s liability insurance – This insurance is customarily written in combination with workingmans ‘s compensation insurance. It affords the contractor wide coverage for personal hurt or decease of an employee in the class of his employment, but outside of and distinct from any claims under workingmans ‘s compensation Torahs. Contractor ‘s public liability and belongings harm insurance – This insurance protects the contractor from his legal liability for hurts to individuals non in his employ and for harm to the belongings of others, which belongings is non in the contractor ‘s attention, detention, or control, when such hurts or damage originate out of the operations of the contractor. Contractor ‘s protective public and belongings harm liability insurance – This protects the contractor against his liability imposed by jurisprudence originating out of Acts of the Apostless or skips of his subcontractors. Contractual liability insurance – This signifier of insurance is required when one party to a contract, by footings of that contract, assumes certain legal liabilities of the other party. The usual signifiers of liability insurance do non afford this coverage. Owner ‘s protective liability insurance – This insurance protects the proprietor from his contingent liability for amendss originating from the operations of the contractor of his subcontractors. Completed operations liability insurance – This signifier of insurance protects the contractor from harm claims stemming from his alleged faulty public presentation on undertakings since completed and handed over to the proprietor. The usual signifiers of liability insurance provide protection merely while the contractor is executing his work and non after it has been competed and accepted by the proprietor. Employee InsuranceWorkmen ‘s compensation insurance – This insurance provides all benefits required by jurisprudence to employees killed or injured in the class of their employment. Old age, subsisters ‘ , and disablement insurance – This all-federal insurance system operated by the United States authorities provides old-age benefits to an insured worker and his household, subsister ‘s benefits to his household when the worker dies, and disablement benefits. Unemployment insurance – This federal-state insurance program provides workers with a hebdomadal income during periods of unemployment between occupations. Disability insurance – This insurance, required by some provinces, provides benefits to employees for disablements caused by non-occupational accidents and disease. Motor Vehicle InsuranceAssorted signifiers of insurance are available in connexion with ownership and usage of cars and trucks. Liability coverages protect the contractor against third-party claims of bodily hurt or belongings harm affecting the contractor ‘s vehicles or non-owned vehicles that are used in his involvement. Collision insurance, together with comprehensive fire and larceny coverage, indemnifies the contractor for harm to his ain vehicles. Business, Accident, and Life InsuranceBusiness break insurance – This insurance is designed to reimburse the proprietor for losingss suffered because of and break of his concern. Sole proprietary insurance – A policy of this type provides hard currency to help inheritors in go oning or disposing of the concern without forfeit in the even of decease of the proprietor. Accident insurance on spouses or cardinal work forcesLife insurance on spouses or cardinal work forces – This insurance reimburses the concern for fiscal loss ensuing from the decease of a cardinal adult male in the concern. It besides builds up a sinking fund to be available on his retirement. Group life insurance – contractors frequently purchase life insurance for their employees. This affords protection for each participant at a low group cost, the premium for which may be paid entirely or partially by the contractor. Extra sums can frequently be purchased by the employees at their ain disbursal. Group hospitalization insurance – such insurance screens hospitalization and surgical disbursals incurred by covered employees. Policies are frequently written to include the households of the employees. A part of the premium may be paid by the employer and the balance by the persons insured. It is of import to retrieve that insurance used in hazard direction, is valuable merely every bit long as the insurance policy is in consequence. The cancellation of an insurance policy can be lay waste toing if a loss occurs during a period for which no coverage exists. Although an proprietor may non be in a place to qualify that insurance policies can non be canceled, added protection is assured if the proprietor requires anterior presentment of such a cancellation ( Hinze 2001 ) . Surety bonds and insurance are considered to both be inactive hazard transportation devices paid for by premiums. In general, these are the lone chief similarities between these two hazard direction tools. The chief difference between insurance and surety bonds is that insurance companies presuppose that losingss will happen and surety bond companies do non presuppose that losingss will go on refering the building undertaking ( Haltenhoff 294 ) . If the contractor fails to execute in conformity with the contract, a bond can protect the proprietor. Sometimes an proprietor requires a bond from the contractor before a building undertaking is started. Many times, cogent evidence on the portion of the contractor is required to demo if the contractor is able to obtain the defined bond required by the proprietor. The proprietor may pay for this bond but wants to cognize before come ining into an understanding the sum of money required. If a contrac ­tor has an understanding with an proprietor to execute a certain range of work for a specific monetary value and does n't finish the work, the adhering company will either pay for work to be completed or happen person to finish the work. However, the bonding company is responsible merely up to the sum of the contract ( Gould 2003 ) . Surety bonds underwrite a fiscal duty of one party to another much the same as when a note co-signer hacks up a borrower of financess. If the borrower fails to refund the financess harmonizing to the note ‘s judicial admissions, the co-signer is lawfully obligated to make so. When this occurs, the co-signer ‘s resort is to seek restitu ­tion from the borrower ( Haltenhoff 294 ) . In the building industry, a surety bond is a pledge from a 3rd party ( the Surety ) to finish a contracted duty to a 2nd party ( the Owner ) made by a first party ( the Contractor ) who can non, for whatever ground, finish the contracted duty to the 2nd party. A surety bureau is paid a premium by the contractor for pro ­viding the bond to the proprietor, and the cost of the bond is passed on to the proprietor as portion of the contractor ‘s cost of the undertaking ( Haltenhoff 294 ) . Unlike a building insurance policy, a surety ‘s credence of a contractor as a client is based on the con ­tractor ‘s fiscal resources and public presentation record, non on fiscal ability to pay premiums. The contractor ‘s capacity sing their fiscal resources and public presentation record must be established and maintained to the satisfaction of the surety if a surety-contractor relationship is to be. The fiscal and capital assets of a contractor are an indicant of ability to refund the surety if the contractor defaults on a undertaking and the surety becomes must go involved. Normally, a con ­tractor ‘s fiscal province determines the size of the building undertakings in which the contractor can offer and obtain. A contractor with considerable assets will be permitted by the surety to offer and work on undertakings that contractors with lesser assets will non. By set uping adhering capacities, sureties determine which contractors can offer which undertaki ngs ( Haltenhoff 294 ) . The building contractor is obligated to refund all costs expended by the surety to finish the contractor ‘s duties, even if it forces the contractor into bankruptcy. If the con ­tractor defers to its surety, even though the contractor to the full repays the surety, the surety may break up its relationship with the contractor. Once dropped by a surety, a con ­tractor normally will hold great trouble happening another surety company willing to supply a surety bond. Because surety bonds are required on most public sector undertakings and many private sec ­tor undertakings, losing a bonding beginning excludes a contractor from a big portion of the building market topographic point ( Haltenhoff 294 ) . Since it takes considerable clip, attempt, and resources to restore a building company as bindable, it is ne'er in the involvement of the company to be put in a place of defaulting on a surety. There are many types of surety bonds and three of them are signally of import to con ­struction undertaking bringing: command bonds, public presentation bonds, and labour and material bonds ( Haltenhoff 1998 ) . Haltenhoff described them as: Bid bonds replace teller ‘s cheques on undertakings where a command security is required as portion of a contractor ‘s command. The command security backs up a bidder ‘s pledge to accept a con ­tract award if offered. If the contractor refuses an award, or for some ground can non come in into the contract, an sum equal to the difference between the contractor ‘s command and the following highest command is forfeited by the contractor to the proprietor ( normally as liqui ­dated amendss ) . As liquidated amendss, the sum forfeited can non transcend the difference between the commands or the face value of the command security, whichever is less. If a command bond is provided as security, the surety is pledged to pay the difference, if the contractor fails to make so. The extent of the surety ‘s engagement is stated in the bonding papers. Performance bonds backs up an awarded contractor ‘s pledge to finish his contracted duty to the exact demands and footings of the contract paperss. In the event it is determined that the contractor will non or can non finish his obliga ­tions, the surety is pledged to accept the duty in sort for the contracted sum. The surety has several options. The contractor can be retained by the surety and be made to finish the undertaking. The surety can replace the contractor with another contractor ( s ) . The surety can pay the proprietor the face value of the public presentation bond. In either of the first two options, the outstanding sum due the contractor at the point of default is paid to the surety when earned, harmonizing to the footings of the contract. The nature and extent of the surety ‘s engagement and its specific options are stated in the public presentation bond. Labor and material payment bonds protect the proprietor from paying twice for the labour, stuffs, and services in project building. In the event a party that docs non hold a contract with the proprietor but who has one with a party that has a contract with the proprietor is non paid by the party with the contract, the party that was non paid normally has a legal right to reassign the unpaid sum to the proprietor for direct payment. Most provinces have mechanic ‘s lien Torahs that allow unpaid parties to efficaciously go co-owners of an proprietor ‘s belongings to the dollar value of the unpaid sum. To cast the co-owner ‘s fiscal rights under the lien, the proprietor must pay the sum owed, irrespective of whether or non it was antecedently paid by the proprietor to the party who owed the money to the claimant. The labour and material payment bond shifts the duty for payment to a surety, alleviating the proprietor of the claim. In some legal powers, liens against publ ic belongings are non permitted to supply the same fiscal claim chance to contractors and providers involved in public undertakings, parties who hold contracts with proprietors must supply a labour and material payment bond. The extent and footings of the surety ‘s duty is stated in the bond provided to the proprietor by the contractor. In building, contractors maintain something called an experience qualifier, which is numerical in nature. A contractors ‘ experience qualifier ( EMR ) encourages contractors to better their safety public presentation while leting the insurance industry to roll up the needed financess to pay for the losingss. The insurance premium nest eggs offered through the experience-rating program about ever outweigh the disbursal needed to better safety public presentation. In other words, safety does so pay. Owners use the EMR to estimate the safety public presentation and experience of the general contractor or premier contractor, and the general contractor uses it to estimate the safety public presentation and experience of its subcontractors. An experience qualifier of.80 agencies that the contractor will have a 20 per centum price reduction on its workers ‘ compensation premium. A contractor with an experience qualifier of 1.20 will pay a 20 per centum surcharge on its workers à ¢â‚¬Ëœ compensation premium ( Lew 1999 ) . The experience qualifier is something that is normally an of import portion of the hazard direction plan. A batch of determinations based upon analysis are focused around how they will impact the EMR. Harmonizing to J.J. Lew ( 1999 ) , an experience qualifier had the undermentioned features for a contractor:An EMR is more a contemplation of past safety public presentation than current safety public presentation. The EMR is calculated by three full old ages of paysheet and loss information, stoping one twelvemonth prior to the effectual day of the month of the qualifier. A contractor might hold experienced good safety public presentation in the past, but has let the safety procedure oversight, and will non see the effects for possibly one or two old ages.Under a traditional CCIP or OCIP, the employer ‘s experience rate is the rate the employer has with the province for that peculiar policy twelvemonth as written by its bearer of record. Under a wrap-up, one EMR evaluation is est ablished for the full undertaking and the experience is determined by loss choices conducted by the insurance bearer that is composing the policy. This evaluation does non go with the employer — it is merely used for the wrap-up undertaking. In one case, it does go, and that is if there are subsequent stages of the same undertaking.In puting up a Controlled Insurance Program on a undertaking, it is noted that a significant sum of item is necessary in these plans. How these inside informations are administratively handled tends to order the success of the plan. If set up decently, the followers can besides be considered good due to execution of a CIP:Administrative betterments. CIP plans provide a system for tracking insurance credits, paysheets, and fiscal coverage on a building site. In add-on, certifications of insurance do non hold to be checked for each contractor at the jobsite, extinguishing the possibility of doing mistakes in look intoing the certifications of insuran ce for each contractor. CIP besides allows for a system for maintaining path of a contractor ‘s experience qualifier ( EMR ) . With a CIP, there is merely one certification of insurance, thereby extinguishing confusion.Improved undertaking safety. The usage of a CIP enables the operation of an efficient, cost effectual, and results-oriented safety plan. This is made possible through the usage of a co-ordinated attack to project safety, typically through the usage of a Program Safety Consultant. In add-on, smaller subcontractors may non be able to supply sophisticated loss control plans on their ain. By utilizing the CIP, the smaller subcontractors can take advantage of extremely proficient skilled safety directors and loss control forces.Proactive. CIP plans are proactive in that through better planning, belongings harm accidents can be reduced or kept from happening while still easing the timely completion of the building undertaking.Allows for competitory commands. The prima ry benefit that a CIP provides to an proprietor is the chance for obtaining more competitory commands for its building undertakings. This decrease in undertaking cost is made possible by liberating the contractor and all tier subcontractors from the legion and time-consuming insurance-related duties at a building site ( Lew 1999 ) . Godfrey ( 1996 ) found that the greatest grade of uncertainness is encountered early in the life of a new undertaking. Decisions taken during the earliest phases of a undertaking can hold a really big impact on its concluding cost, and continuance. Change is an ineluctable characteristic of any major capital undertaking, but its extent is often underestimated during these early stages ( Mills 246 ) . A technique frequently ignored is to avoid claims is cultivation of a good client relationship. Honesty in attack, regard for the client ‘s intelligence, grasp of the proper function of a professional advisor, and common courtesy ( replying phone calls and letters ) are possibly the best techniques to avoid claims and manage building hazards. These are non-legal considerations in add-on to other types of pull offing hazards ( Sweet 316 ) . In the terminal, the load of duty for placing hazards and covering with them remains with the party that carries the hazard. Appendix 1 contains a checklist of points to be considered in a hazard direction plan provided by the Association of General Contractors ( 2001 ) . Risk direction will non take all hazard from a building undertaking ; its chief focal point is to guarantee that hazards are managed in the most efficient mode. Undertaking directors will acknowledge that the clients must ever transport certain residuary hazards. This hazard must be analyzed in an organized and systematic manner sing the full impact of clip and cost on the undertaking. Risk direction is non intended to kill off worthwhile undertakings, or to stifle degrees of investing. It aims to guarantee that merely undertakings that are truly worthwhile are sanctioned. When using hazard direction techniques, the attitude of the director is of import and stairss should be taken to guarantee that every bit much pragmatism as possible is included in the analysis. Risk direction should be viewed as a positive procedure, and can be one of the most originative undertakings of the undertaking director. Its purpose is to bring forth realistic outlooks and increase the control of the procedure. In add-on, it can open the manner to happening advanced solutions that may non hold otherwise been considered ( Mills 251 ) . Appendix 1 Insurance/Risk Management ChecklistWorkers CompensationIncrease employers liability bound to $ 1,000,000Reviewed alternate evaluation programs, confined, self-insurance, deductibles, etc.Coverage applicable in all but monopolistic fund provincesDefense Base ActVoluntary compensation coverageStatus of executive officers or spousesStatus of United States-based employees sent outside the stateForeign employeesAircraft indorsementRepatriation disbursalUnited States Longshoremen ‘s and Harbor workers ‘ Compensation Act, Maritime, and Jones Act exposuresFederal employers liability coverageStop-gap employers liability coverageWorkers compensation deductibles, where permittedPolicy day of the months consistent with umbrella extra liability coverageJoint venture policiesChecked categorizations and auditsChecked overtime chargesOver-controlled, contractor controlled or other wrap-up plansExperience Rating ModifierBroad signifier named insuredCoverage for newly-formed entitiesAdvanc e notice of cancellation by earner, 60 twenty-four hours notice of cancellation and/or non-renewalBlanket release of subrogation if required by contractCommercial General Liability ( CGL )Happening ( CGL ) policy form— $ 1 million/ $ 2 million/ $ 2 millionOmission of selected contractual liability exclusionsCompleted operations and merchandises liability coverageBroad signifier belongings harm coverage broadenedChecked pollution coverage for jobsitesNotice of happening amendedNo exclusion of detonation, prostration, or belowground harmPersonal hurt liability coverage, take exclusion ( 4 )Limits of liabilityGeneral sum bound considerationsPer undertaking sum and per locations Broad signifier named insured indorsementBlanket extra insured if required by contractBlanket release of subrogation if required by contractVerified wide signifier liability extensions includedAdditional insured/protective liability demandsAdequate fire legal liability coverage and/or release of subrogati on for harm to leased premisesVerified host spirits liability coverage includedEmployee benefit liability coverage, bound of $ 1 millionCoverage for foreign operationsPolicy day of the months consistent with umbrella extra liability coverageOwned or non-owned watercraft liability coverageOwned or non-owned aircraft liability coverageLimits of liability consistent with extra umbrella demands for underlyingJoint venture yesteryear and nowadaysResidual wrap-up coverageCoverage for newly-formed entitiesAdvance notice of cancellation by earner, 60-day notice of cancellation/non-renewalBusiness Car PolicyLiability coverage applicable to any car, symbol â€Å" 1 †Minimum limits— $ 1 millionCheck nomadic equipment against car definitionsComplete and accurate agenda of cars, garage locations, coverages, and deductiblesAutomatic coverage for to boot acquired cars without notice to earnerAutomatic coverage for car physical harmAuto medical payments coveragePersonal hurt protectio n, if desiredNo-fault benefits, where applicableUnderinsured automobilists liability coverageDrive other auto coverage optionsAssigned drivers who have no personal car insurancePartnerships: Status of non-owned car coveragesAdditional insured ‘s: LessorsIndividual named insured indorsementAuto physical harm coverageDistinct coverages and deductibles by categorizations of carsDeductibles applicable to comprehensive coverageDeductibles applicable to hit coverageConsideration of alternate deductible degrees, premiumsHired carsForeign car exposuresPolitician