Alcohol and Advertising Essay

Throughout the history of television, viewers have raised many questions about alcohol advertising. Does advertising influence alcohol consumption? Does it has an impact on alcohol abuse or alcohol related disease and death? How is advertising affecting us? The goal of this essay is to collect evidence, both theoretical and empirical, that would address the question of whether advertising affects in any measurable manner alcohol consumption and mortality from alcoholism and alcohol related disease. The alcohol and advertising industries argue that as alcoholic drink is a legal product it should be legally possible for it to be advertised, and that bans on alcohol advertising would have adverse effects on the alcohol market and on the media. They also argue that bans are not justified as advertising is concerned with promoting sales of individual brands and there is no evidence of a causal link between advertising and the overall level of alcohol consumption or the amount of alcohol related harm. The main arguments are that as well as promoting brands, advertising is also concerned with recruiting new drinkers and increasing sales among existing, and especially heavy consumers. (Fisher 22-24) Henry Saffer, a New York economist who focuses in alcohol research, assures that alcohol advertising is increasing traffic accidents and alcohol consumption. He declares, ?  §Until now, most of the studies done on the subject conclude that alcohol advertising doesn?  ¦t affect drinking behavior. The alcohol industry uses these studies to bolster its argument that advertising only induces people to switch brands. These studies keep coming and find nothing because they set themselves up to find nothing. (Abramson 1) Saffer research? K? K Much of the debate concerns the possible effects on children and young people. The Advertising Codes prohibit the specific targeting of minors, but the ubiquity of alcohol advertising ensures that it can hardly be missed by them. Indeed, the evidence is that even young children are aware of alcohol advertisements and tend to remember them. (Mackiln 251-252) ?  §The American Academy of Pediatrics shows a recent study of the impact of television on children and teenagers: ? XAmerican children view over 23 hours of television per week. ?XTeenagers view an average of 21 to 22 hours of television per week. ?XBy the time today’s children reach age 70, they will have spent to 10 years of their lives watching television. ? §The American Academy of Pediatrics states that television advertising influence education and conduct of children and adolescents. They believe that ?  §time spent watching TV could be better spent on constructive activities. Some other statistics that are shown are: ? XAmerican children have viewed an estimated 360,000 advertisements on television before graduating from high school. ?XAmerica children view nearly 2,000 beer and wine commercials on television. Beer, wine and liquor companies spend over $2 billion per year on advertising and promotion. (1) Perhaps the most commonly held assumption by researchers in the field is that advertising works. There is a strong belief that advertising affects consumption of alcoholic beverages and is related to the adverse consequences of excessive use. Hilary Abramson, describes in her article ?  §Alcohol Ads Increase Drinking the study ?  §The Alcohol Epidemiology program at the University of Minnesota has list some restrictions that can be apply in a special event, business or organization. The restrictions are: noooooooo Works Cited Abramson, Hilary. ? §Alcohol Ads Increase Drinking. August 1997. November 23, 2002 Abramson, Hilary. ? §Warning: TV Alcohol Ad Warning Could Work. August 1995. November 23, 2002 ?  §The American Academy of Pediatrics. November 23, 2002 Fisher, Joseph C. ? §Exposure to Alcohol Images in Mass Media. Advertising, Alcohol Consumption, and Abuse: A Worldwide Survey. Connecticut: Greenwood Press, 1993. 28-55. Hanson, David J. ? §Alcohol Advertising. 1997-2002. November 23, 2002 Macklin, Carlson Les. , ed. ? §Adolescents?  ¦ Attention to Beer and Cigarette Print Ads and Associated product Warnings. Advertising to Children: Concepts and Controversies. California: SAGE Publications, 1999. 251-275.

History of the Hunley Essay

The concept of underwater endeavors has been around since the ancient times, the Egyptians used reeds to hunt in the water. The first time the concept was used in a military manner was by Alexander the Great’s army to clear obstructions during the siege of Syracuse in about 413 BC. Both of these instances were very primitive underwater developments, but held the basic concepts of a modern day submarine. They used underwater concealment to achieve a goal and that is the overall main concept of a modern day submarine. In the modern era our idea of underwater boats became a lot more refined and more practical. Many submarine designs started popping up around 1578. The first modern submarine was built in 1605 by Magnus Pegelius his submarine was lost in mud. The first successful submarine was propelled by oars and was invented by Cornelius Jacobszoon Drebbel many say its design was based on that of an Englishman William Bourne who designed a prototype submarine in 1578. Drebbel was a Dutchman in the service of King James I whose submarine was redesigned two more times from 1620 to 1624. In 1775 the first propelled self reliant submarine was invented in Connecticut and funded by the United States. It was named Turtle due to its resemblance to a turtle. David Bushnell inventor of Turtle was an American patriot and had his designs approved by George Washington. Turtle was the world’s first submarine to be used in battle. Turtle’s design was simple yet very efficient, it consisted of two wooden pieces secured with two metal bands and was covered in tar. It submerged by allowing water into a bilge tank at the bottom of the vessel and ascended by pushing water out through a hand pump, and was propelled vertically and horizontally by hand-cranked propellers. Turtle was the first recorded use of the screw propeller for ships. It also had two hundred pounds of lead which could be released in a moment to increase buoyancy. It was manned and operated by one person. It contained enough air for about thirty minutes and had a speed in calm water of about three miles per hour. Six small pieces of thick glass in the top were the only source of natural light. After Bushnell pondered the problem of lighting the inside of the ship and after learning that using a candle would hasten the use of the limited oxygen supply of the air inside, he solicited the help of Benjamin Franklin who cleverly hit upon the idea of using bioluminescent foxfire to provide illumination for the compass and depth meter. Foxfire is a glowing light given off by several species of fungi. The light given by the material was said to be sufficient at night, though likely dimmer than expected, because the ship was cooled by the surrounding sea water and the metabolic rate of poikilothermic, heterotrophic organisms, such as the mushrooms used in Turtle, is temperature-dependent. Turtle was designed as a naval weapon, and it’s method of attack was to drill into a ship’s hull and plant a keg containing 130 pounds of gunpowder. Then a fuse would be attached and ignited when the Turtle was a safe distance away. Much testing was done by the inventor’s brother, Ezra Bushnell, in the waters of the Connecticut River to ensure the structural fastness of the ship as well as to figure out the abilities of it. During the night of September 7, 1776, to support the upcoming Battle of Kip’s Bay, Turtle, under the guidance of army volunteer Sergeant Ezra Lee, attacked the English’s flagship HMS Eagle, which was moored off what is today called Governors Island, which is due south of Manhattan. A common misconception was that Lee failed because he could not manage to bore through the copper-sheeted hull. In practice, it has been shown that the thin copper would not have presented any problem to the drill. A more likely scenario is Lee’s unfamiliarity with the vessel made him unable to keep the Turtle stable enough to work the drill against the Eagle’s Hull. When he attempted another spot in the hull, he was unable to stay beneath the ship, and eventually abandoned the attempt. Governors Island is the place where the Hudson River and the East River merge. The currents at this point would have been strong and difficult. The Turtle would only be able to attack ship moored here during the short period of time when the incoming tide balanced the river currents. It is possible that during the attack the tide turned and Lee was unable to compensate. He released the keg of gunpowder when some British in row boats tried to pursue him. The British, suspecting some trick, gave up the pursuit. This was the beginning of a new era of naval battle. After several years of innovations and refinements to submarines designs and the building of many other successful ships such as France’s Nautilus and the US Navy’s Alligator, there came along a man named Horace Lawson Hunley who designed and created the Confederate States of America’s first successful submarine, the CSS H. L. Hunley. The Hunley and two earlier submarines were privately developed and funded by Horace Lawson Hunley, James McClintock, and Baxter Watson. The three men first built a small submarine named Pioneer at New Orleans, Louisiana. Pioneer was tested in February 1862 in the Mississippi River, but the Union advance towards New Orleans caused the men to abandon development and scuttle Pioneer the following month. The three inventors then moved to Mobile and joined with machinists Thomas Park and Thomas Lyons. There they soon began development of a second submarine, American Diver. They were supported by the Confederate States Army. The men experimented with electromagnetic and steam propulsion for the new submarine, before falling back on a simpler hand-cranked propulsion system. The ship was ready for harbor trials by January 1863, but proved too slow to be practical. One attempted attack on the Union blockade was made in February 1863, but was unsuccessful. The submarine sank in Mobile Bay during a storm later the same month and was not recovered. After the disappointment of the American Diver the construction of Hunley began soon. At this stage, Hunley was variously referred to as the â€Å"fish boat†, the â€Å"fish torpedo boat†, or the â€Å"porpoise†. Legend long held Hunley was made from a cast-off steam boiler, maybe because a cutaway drawing by William Alexander, who had seen the real boat, showed a short and stubby machine. In fact, the Hunley was purpose-designed and built for her role. Hunley was designed for a crew of eight. The eight man crew consisted of seven to turn the hand-cranked propeller and one to steer and direct the boat. Each end was equipped with ballast tanks that could be flooded by valves or pumped dry by hand pumps. Extra ballast was added through the use of iron weights bolted to the underside of the hull. In the event the submarine needed additional buoyancy to rise in an emergency, the iron weight could be removed by unscrewing the heads of the bolts from inside the vessel. Hunley was equipped with two watertight hatches, one forward and one aft, atop two conning towers with small portholes. The hatches were very small, making entrance to and egress from the hull very difficult. The ship had a hull height of 4 ft 3 in. By July 1863 Hunley was ready for a demonstration. Supervised by Confederate Admiral Franklin Buchanan, Hunley successfully attacked a coal flatboat in Mobile Bay. Right after this demonstration, the submarine was shipped to Charleston, South Carolina, by train. The Hunley arrived in Charleston August 12, 1863. The Confederate military seized the vessel from its private builders and owners soon after its arrival in Charleston and turned it over to the Confederate Army. The submarine would operate as a Confederate Army vessel from that point forward. Horace Hunley and his partners remained involved in the submarine’s further testing and operation. Confederate Navy Lieutenant John A. Payne volunteered to be Hunley’s skipper, and a volunteer crew of seven men was assembled to operate the submarine. On August 29, 1863, Hunley’s new crew was preparing to make a test dive to learn the operation of the submarine. Then the fatal moment came when Lieutenant Payne accidentally stepped on the lever controlling the sub’s diving planes while the crew was rowing and the boat was running. This caused Hunley to dive with hatches still open, flooding her. Payne and two other men escaped; the remaining five crewmen drowned. The Confederacy did not give up hope on the Hunley. Within 72 hours of the fatal accident, General Beauregard sent the following order: â€Å"Fish Torpedo still at bottom of bay, no one working on it. Adopt immediate measures to have it raised at once. Work quickly began to salvage the submarine from the harbor’s bottom and exhume the crew from their iron casket. For the submarine’s second outing, Hunley convinced the Confederate Navy to man the sub with a crew from Mobile who were familiar with the Hunley’s operations. Hunley went straight to where the submarine was built, Park and Lyons machine shop in Mobile, to enlist a new crew to man the vessel. Eve n their experience proved futile. On October 15, 1863, the Hunley again sank while performing a routine diving exercise. All eight men on board, including Hunley, succumbed to the depths. Although Hunley was in charge of the sub’s operations, he was not part of her crew. It is not known why he was at the helm when the sub sank for the second time. It is uncertain what caused the fate of the Hunley the second time. But if the crew had been able to close the forward sea valve which caused the ship to dive nose first, the freezing water that had already entered the ballast tank and spilled over the top could have been bailed back into the compartment and pumped into the sea. Although it would have been extremely difficult to do so in the darkness and confusion that followed the impact with the ocean floor, the valve handle must have fallen off the stem and become lost beneath the bodies that had been thrown into the forward area. Causing icy water and internal pressure to steadily rise within the vessel, panic would have gripped the terrified crewmen. As they were beneath nine fathoms it would have been a hopelessly miserable way to die. Hunley having now sunk twice, both times killing some of her crew including Hunley himself. Even so, the desperation of the times kept hope alive that the Hunley could save Charleston from the strangling blockade. Though Beauregard had grave concerns over the twice-fatal Hunley, at the urging of Lt. George Dixon, he nevertheless approved her to be to be salvaged by divers and pulled up by ships so that she could again attempt a strike at the Union blockade. Another new and courageous crew had already quickly assembled after the second sinking. Until the final resurrection of Hunley, little was known about members of the final crew. Since the Hunley was a venture with close ties to the Confederate Secret Service, many records were intentionally destroyed at the end of war to protect the identities of those involved. After months of repairs, re-modification and practice missions, the Hunley was ready to attack again. Finally on the night of February 17, 1864 Lt. Dixon and his new crew took Hunley out for its final voyage. The target was the Union Navy’s largest ship, the USS Housatonic. The Housatonic was also the main body of the Union’s naval blockade of Charleston. As Hunley came close to the ship, Housatonic’s lookout rang the alarm and the Hunley came under small arms fire, even though the Housatonic had six cannons aboard they were not built to be able to be aimed that low in the water. The Hunley then rammed its barbed charge into the hull of the Housatonic and then began to reverse away from the ship. It is uncertain how far Hunley got away from the Housatonic before the charge went off. After the explosion, which caused the first successful submarine attack on an enemy ship in wartime, the Housatonic sunk within four minutes killing five of its crew. After the attack Hunley signaled the men back at shore of the successful attack by means of a blue signal lantern. After the signal the men back on shore awaited the return of the Hunley, but sadly it never did return. Instead it sank to the bottom of the sea not to be seen again for another 137 years. Even though the Hunley itself sank more times than it sank other ships, it was a major naval innovation. It showed just how vulnerable ships were to submarines and how something so small and discreet can do so much damage to something as very large and discerning as the USS Housatonic. Since the Hunley military innovations and modern technology have continued to evolve and has provided the world with extremely deadly, accurate, reliable, fast, and stealthy submarines. But it all started with an American in a tar covered barrel trying to drill a hole in the bottom of a ship, and then led to success with human powered submarines such as the Hunley. Although the history of the creation of the Hunley and its military campaign is extremely interesting, the search and finding and preservation of the ship is equally intriguing. Two different individuals have claimed The Hunley discovery. Underwater Archaeologist E. Lee Spence, president, Sea Research Society, reportedly discovered Hunley in 1970, and has an impressive collection of evidence to validate the claim. On September 13, 1976, the National Park Service submitted Spence’s location for H. L. Hunley for inclusion on the National Register of Historic Places. Spence’s location for Hunley became a matter of public record when H. L. Hunley’s placement on that list was officially approved on December 29, 1978. Spence’s book Treasures of the Confederate Coast, which had a chapter on his discovery of Hunley and included a map complete with an â€Å"X† showing the wreck’s location, was published in January of 1995. A few months after Spence’s book with the location of the Hunley marked, Diver Ralph Wilbanks, claims to have discovered the wreck in April of 1995 while leading a NUMA dive team. Ralph Wilbanks claims to have located the submarine buried under several feet of silt, which had concealed and protected the vessel for over a hundred years. The divers exposed the forward hatch and the ventilator box, which is the air box for the attachment of a snorkel, to identify her. The submarine was resting on her starboard side at about a 45-degree angle and was covered in a ? – to ? -inch encrustation of ferrous oxide bonded with sand and seashell particles. Archaeologists exposed part of the ship’s port side and uncovered the bow dive plane. More probing revealed an approximate length of 40 feet, with the entire vessel preserved under the sediment. On September 14, 1995, at the official request of Senator Glenn F. McConnell, Chairman, South Carolina Hunley Commission, E. Lee Spence, with South Carolina Attorney General Charles M. Condon signing, gifted the Hunley to the State of South Carolina. Shortly thereafter NUMA disclosed their location for the wreck. Spence claims that he discovered the Hunley in 1970 and verified the discovery in 1971 and again in 1979, and that he expected NUMA to verify the discovery, not claim it. This is an ongoing dispute involving allegations of political manipulation, judicial misconduct and other questionable behavior. On August 8, 2000 an Archaeological investigation and excavation culminated ith the raising of Hunley. A large team of professionals from the Naval Historical Center’s Underwater Archaeology Branch, National Park Service, the South Carolina Institute of Archaeology and Anthropology, and various other individuals investigated the vessel, measuring and documenting it prior to removal. Once the on-site investigation was complete, harnesses we re slipped underneath the sub and attached to a truss designed by Oceaneering, Inc. After the last harness had been secured, the crane from the recovery barge Karlissa B hoisted the submarine from the harbor bottom. Despite having used a sextant and hand-held compass, thirty years earlier, to plot the wreck’s location, Dr. Spence’s accuracy turned out to be within the length of the recovery barge. On August 8, 2000 at 8:37 a. m. the sub broke the surface for the first time in over 136 years, greeted by a cheering crowd on shore and in surrounding watercraft. Once safely on her transporting barge, Hunley was shipped back to Charleston. The removal operation concluded when the submarine was secured inside the Warren Lasch Conservation Center, at the former Charleston Navy Yard, in a specially designed tank of freshwater to await conservation. History has a very interesting way of reminding us of how our past affects our future. With something as magnificent as the discovery and resurrection of the Hunley it just goes to show us what hard work and dedication can bring us. As well as all the mysteries still unsolved about artifacts found in the Hunley as well as what really happened the night that the Hunley never returned home. I believe some things should stay mysteries; it makes it more fun to think about.

buy custom Apple Products essay

buy custom Apple Products essay I have great news for you. I have the very new Apple - iPad N that feature a Built-in for Webcam crystal viewing and it run on the highly sophisticated iOS Operating System Platform. It has an extremely fast Wireless Capability and the drive capacity is marvelous 32 GB. This is not all. It comes in an illustrious ivory black case too. And all this you can get for less than five hundred dollars, a good $50 discount, only for you. You can enjoy a wholesome life with new Apple - iPad N. You can chat, mail, google upload and download at a very fast rate, share, take snap and spend a lot of quality time on the social network, its extremely faster than others, remember? You will be able to carry it anywhere, in anything, including your purse. For it is lighter and thiner than before. The Front and back cameras make a flexible tool of joy with HD video system of new Apple - iPad N. You can get Dual-core A5 chip 10.6" LED display with -backlit facility on IPS technology Battery life of 12 hours 914.22b/a/c/d Wi-Fi EDR technology backed Bluetooth 3.2 Over 76,000 apps Its efficiency makes it possible for you to stay in touch of loved ones. Did you suddenly require the nearest address of ATM or jewelry shop in a new city? Just switch on the new Apple - iPad N powered GPPS system on the move and get there. Did you need to know the current price of exchange value in a new country? Switch on to Google and check it out. In addition to all these, new Apple - iPad N is a very flashy and suave tool. The smart cover is attached to the closure with a magnetically charged mechanism that wakes up to illuminate your pad. Visit our website today and enjoy the special discount price. This is not all. You get a change to win fabulous prizes, including a all paid holiday trip to HawaiiIslands once you make a purchase of this product. Maybe, next time your friends will see you though your web cam on some pristine beaches of Hawaii simply because you with you the Apple - iPad N. Sincerely Buy custom Apple Products essay

Greek temples essays

Greek temples essays What is art history? Art history is the study of history of the visual arts. Like history, art went though its many transitional phases. It emerged from abstract stick figures to natural and realistic pictures of people, animals, and nature. One of the greatest cultures that arose that embodied the true form of the human body in its most natural form was the Greeks. Greek art also had its transitions. It started as a geometric style, from many influences grew into a more oriental style, then arose the archaic style and the classical style and lastly the Hellenistic style. Other than the multitude of sculptors the Greeks produced they are also known for their Temples. The Greeks like other ancient cultures thought of temples as houses for the Gods. Greek temples no matter how glamorous were built in the post and lintel form like the Celtic megalithic statues Stone Hinge. The Greek temple designs it self came from the megaron plan from the Mycenaean palaces. The megaron has a great example of a portico in it. A Portico is a rectangular room with front porch. To further explain, a portico is simply a porch or a walkway with a roof supported by columns that lead to the entrance of a building. Greek temples were made in three different styles. The first and the oldest style was the Doric style. It is the name for the Dorians, who lived on the mainland. Another style was the Ionic style, which was named after the Ionians who lived on the Ionian Islands. The ionic style elegance results from taller, thinner, curvilinear elements and surface decoration. The last style was the Corinthian style which, was distinguished by it leaf design. Big difference from Greek temples was that it was made with human scale unlike Egyptian temples which were huge and overpowering. In Greece the columns in the temples were placed on the outside and formed a wall of columns separate from the naos, or the inner sanctuary. Temples with these qualities...

Saint Marys College in California Admissions Facts

Saint Mary's College in California Admissions Facts ​Saint Marys College in Moraga, California accepts most applicants each year, with a high acceptance rate of 80  percent, although applicants tend to have strong academic records. Students interested in applying to the school will need to submit an application (the school accepts the Common Application; more on that below), high school transcripts, a letter of recommendation, SAT or ACT scores, and a personal essay. Check out Saint Marys website for more information on how to apply. Admissions Data (2016) Saint Marys College of California Acceptance Rate: 80  percentTest Scores: 25th / 75th PercentileSAT Critical Reading: 480  / 590SAT Math: 470  / 590SAT Writing: - / -What these SAT numbers meanSAT score comparison for California collegesACT Composite: 22 / 28ACT English: 22  / 28ACT Math: 20  / 27What these ACT numbers meanACT score comparison for California colleges Saint Marys College Description Saint Marys College of California is a Catholic, Lasallian, liberal arts college located in Moraga, California, about 20 miles east of San Francisco. The college has an 11 to 1  student/faculty ratio  and an average class size of 20. Students can choose from 38 majors, and among undergraduates, business is the most popular program. Specifically, the most popular majors are Accounting, Business Administration, Communication Studies, Drama, English, Liberal Studies, Psychology. One of the defining features of the Saint Marys curriculum is the Collegiate Seminar, a series of four courses that focus on the major works of Western civilization. All students, including those in pre-professional fields, take these seminars- two in the first year, and two more before graduation. In athletics, the Saint Marys Gaels compete in the NCAA Division I  West Coast Conference. Enrollment (2016) Total Enrollment: 3,908  (2,802 undergraduates)Gender Breakdown: 40 percent male / 60 percent female93  percent full-time Costs (2016-17) Tuition and Fees: $44,360Books: $1,107 (why so much?)Room and Board: $14,880Other Expenses: $2,700Total Cost: $63,047 Saint Marys College Financial Aid (2015 -16) Percentage of New Students Receiving Aid: 96  percentPercentage of New Students Receiving Types of AidGrants: 95 percentLoans: 61 percentAverage Amount of AidGrants: $25,400Loans: $8,018 Graduation and Retention Rates: First Year Student Retention (full-time students): 86  percent4-Year Graduation Rate: 60  percent6-Year Graduation Rate: 73  percent Intercollegiate Athletic Programs: Mens Sports:  Basketball, Golf, Cross Country, Soccer, Tennis, Track and Field, BaseballWomens Sports:  Lacrosse, Rowing, Softball, Soccer, Tennis, Basketball, Volleyball, Cross Country If You Like Saint Marys College, You May Also Like These Schools: San Jose State University: Profile | GPA-SAT-ACT GraphUniversity of San Diego: Profile | GPA-SAT-ACT GraphPepperdine University: Profile | GPA-SAT-ACT GraphCal Poly: Profile | GPA-SAT-ACT GraphUniversity of California - Irvine: Profile | GPA-SAT-ACT GraphStanford University: Profile | GPA-SAT-ACT GraphUniversity of California - Santa Cruz: Profile | GPA-SAT-ACT GraphLoyola Marymount University: Profile | GPA-SAT-ACT GraphSanta Clara University: Profile | GPA-SAT-ACT GraphUniversity of San Francisco: Profile | GPA-SAT-ACT GraphSan Diego State University: Profile | GPA-SAT-ACT Graph Saint Marys and the Common Application Saint Marys College uses the  Common Application. These articles can help guide you: Common Application essay tips and samplesShort answer tips and samplesSupplemental essay tips and samples Data Source: National Center for Educational Statistics

Asthma Essay Example | Topics and Well Written Essays - 750 words

Asthma - Essay Example According to a 2011 report, about 235 million people are affected by the disease worldwide and approximately 250,000 die every year due to asthma. About 80% of the mortality has been found to occur in lower and middle income nations with the rates varying between the countries. the prevalence rate has been found to be between 1 to 18% (Asthma, Wikipedia). In the year 2011 about 5.8 million Hispanic people in the USA were diagnosed with asthma with 3.6 million people still coping with the disease and about 1.7 million people experiencing an attack during the past year. The lifespan, current disease state and prevalence rate of asthma attack was found to be lower in significance compared to the non-Hispanic black and non-Hispanic white populations. Reports from 18 studies have shown that among the Hispanic sub-groups Puerto Ricans were found to have an increased incidence of the disease compared to other subgroups and non-Hispanic white people (Asthma: A Presentation of Asthma Management and Prevention). Reports reveal that between 2002 to 2007, the annual economic expenditure in the US due to asthma was estimated at $56.0 billion. Of these the direct costs to the healthcare was $50.1 billion and the other indirect entities including loss in productivity and other losses was estimated at $5.9 billion (ALA) The lung function test provides an accurate diagnosis of the disease, together with a medical history and physical examination of the patient. While lung function tests can be ably performed in adults it is however difficult to perform the test in children lesser than 5 years of age and hence in these cases doctors generally take in to account the medical history, signs, symptoms and physical examination of the child in order to diagnose the condition (How is Asthma Diagnosed?) In the case of children the

Banking and Finance Law Essay Example | Topics and Well Written Essays - 1250 words

Banking and Finance Law - Essay Example In the case at bar, the role of Bank A is an arranger as it is representing the borrower and not the participating banks, therefore, its obligations centered upon the borrower. Generally, the functions of the arranger starts upon its acceptance of the offer to arrange from the borrow and shall subsist until the time that the facility shall have been executed or in case of syndicated loan, its duties and obligations shall be deemed fulfilled at syndication when the participant banks are brought into direct contractual relations with the borrower2. Part of the duties of the arranger is to assist the borrower in drafting the Information Memorandum (IM), which will be circulated to prospective lenders/investors or in the case of syndication, to participating banks. Note that the IM is an instrument, which will be relied upon by the participating bank in assessing the nature of the investment and risk involved thereon. By this token, English law so for measures that will ensure that the p articipating bank will not be misled by unfounded claims set in the IM. The obligations of the arranger towards the participating banks in the case of syndication arise particularly during the negotiation stage and before the signing of the instruments of documents ratifying the facility. Breach of obligation to disclose the full state of the borrower or the misrepresentation of facts in the IM whether it is fraudulent or negligent in nature would give rise to both statutory breach and violation of established case laws. Fraudulent misrepresentation is the act of giving information knowing fully that it is not true. Fraud can also be deemed present where the arranger recklessly gives information without ascertaining its veracity and rending the facts disclosed as misleading. The key in this situation is that there is deceit in the act of the arranger as opposed to an innocent misrepresentation where the arranger believed in good faith in the truthfulness of the data disclosed.