The Reform And Consumer Protection Act ( Dodd Frank )

Experts are predicting the government will not maintain the current levels of spending resulting in long-term deficit increases. Regulation: Financial legislation has always played a crucial role in the safety and soundness of the banking industry. Since the 2008 financial crisis, mostly caused by loose lending practices and lack of credit standards, bank regulation pressures have increased considerably. The increased regulatory burden is playing a toll on community financial institutions who cannot keep up with the overhead cost it takes to meet the new regulations. It is frustrating community bankers since most new regulation was written for the â€Å"too big to fail† banks as they were the majority driver of the subpar lending practices.†¦show more content†¦There are a number of existing consumer protection laws that were handed over to the CFPB including the Truth-in-Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The CFPB will ensure consumers receive simple and accurate information with applying for a mortgage, credit card, persona l loan and any other financial products and services. The biggest criticisms about the CFPB are one, they follow the one-size-fits-all rule when writing regulation and two, have all the control with no one overseeing them. Basel III is another law implemented that will place additional strain on Banks. Basel III is a set of reform measures, developed by the Basel Committee on Banking Supervision. It is a framework used to strengthen risk management and a banks ability to absorb shocks from financial and economic stress. Basel III implemented new tier 1 capital requirements, new minimum leverage ratio requirements and new liquidity coverage ratios requirements. Community banks enjoyed a small victory by delaying the final implementation requirements for Basel III to March 31, 2019. ECONOMIC FORECAST – 18 MONTHS America’s short term economic future could be in for a series of roller coaster peaks and troughs. There are 3 major factors to take into consideration over the next 18 months that could severely impact the economic

The Role Of Genetic Factors And Contribution To The Risk...

There is extensive and consistent evidence that genetic factors play an important role in modifying an individuals risk for type 2 diabetes of which 70 or more genetic variants have now been associated (Ali,2013) from GWAS studies yet type-2-diabetes genetic risk has limited genes of major effect. Thus, the search for genes contributing to the risk of T2D has been difficult, and the genes themselves have been elusive. A series of genome-wide association scans for type 2 diabetes has been published which shows hundreds of thousands of single-nucleotide polymorphisms (SNPs) across the genome which have been assayed in samples from populations of almost exclusively European ancestry, and novel genes such as TCF7L2, SLC30A8, IDE-KIF 11-HHEX,†¦show more content†¦99.9% of the bases in the human genome are remarkably similar; it is the remaining 0.1% of the bases that make an individual unique (Huang, Shu and Cai, 2015). Among this 0.1% of bases, more than 90% are SNPs (FS. Collin s, LD Brooks and A.Chakravarti, 1998). Barbujani et al. (1997) estimated that 85% of SNPs are common to all human populations and that only 15% of SNPs are population specific. Huang, Shu and Cai, (2015) found that SNPs could contribute to many different characteristics, including skin colour, eye colour and the risk of diseases among different populations. Many ethnic minorities in Europe have a higher type 2 diabetes prevalence than their host European populations. The risk size differs between ethnic groups, but the extent of the differences in the various ethnic minority groups has not yet been systematically quantified. Meeks et al. (2015) carried out a meta-analysis of published data on T2D in various ethnic minority populations resident in Europe compared to their host European populations. In this study the ethnic minorities were classified into five populations by geographical origin: South Asian (SA), Sub-Saharan African (SSA), Middle Eastern and North America (MENA), South and Central American (SCA), and Western Pacific (WP). Compared with host populations, SA origin populations had the highestShow MoreRelatedThe Importance Of Genetic Uses For Type 2 Diabetes730 Words   |  3 Pagesextensive and consistent data that shows genetic factors play an important role in predisposing an individual for type 2 diabetes, of which now 70 or more genetic variants have been associated (Ali,2013) from GWAS studies yet type-2-diabetes genetic risk has limited genes of major effect. Thus, the search for genes contributing to the risk of T2D has been difficult, and the genes themselves have been elusive. A range of genome-wide association scans for type 2 diabetes have been published which show hundredsRead MoreObesity : Obesity And Obesity1413 Words   |  6 Pagesmore than 1.5 billion people that are overweight worldwide (2). There are more than 280 million people around the world that have been diagnosed with diabetes, resulting in at least 1 in 20 adults (2,8). Currently, diabetes is ranked as the seventh overall cause of death in the United States (9). In 2010, on 69,071 death certificates in the United States, diabetes was listed as the underlying cause, and in 234,051 death certificates, diabetes was mentioned as a cause of death (6). The Centers for DiseaseRead MoreChildhood Obesity And Its Effect On Childre n s Wellbeing And Health999 Words   |  4 Pagesmeasurements (Ogden, 2014). Effects of obesity on health: Psychological and emotional problems are the first to occur in children with obesity. 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However, this strategy d oes not have enoughRead MorePrevalence Of Type 2 Diabetes2117 Words   |  9 PagesPrevalence of type 2 diabetes is on the rise globally, currently affecting about 366 million individual worldwide (3). One fifth of the world’s population is the South Asian community, which shockingly has the highest prevalence of type 2 diabetes, globally. (1,4). â€Å"Type 2 diabetes is group of metabolic disease characterized by hyperglycemia resulting from defects in insulin secretion, insulin action or both† (Hunter, 1999, pg.#). Type 2 diabetes is also known as Non-Insulin Dependent Diabetes MellitusRead MoreThe Prevalence And Incidence Of Type 2 Diabetes Essay1664 Words   |  7 PagesA. Statement of the Problem The prevalence and incidence of type 2 diabetes are increasing worldwide, particularly in devel-oping countries, in conjunction with increased obesity rates and westernization of lifestyle (In-zucchi et al., 2012). The economic burden for health care systems is skyrocketing, owing to the costs associated with treatment and diabetes complications. Type 2 diabetes remains a leading cause of cardiovascular disorders, blindness, end-stage renal failure, amputations, and hospitali-zationsRead MoreWeb of Diabetes Causation in the Elderly2549 Words   |  10 Pagesï » ¿Web of Diabetes Causation in the Elderly Web of Diabetes Causation in the Elderly Introduction Epidemiology is the study of environmental and genetic influences on the prevalence of disease and injury (Rossignol, 2007, p. 1). Environmental influences include pollution, lifestyle choices, health care access, care quality, social factors, and workplace hazards. These and other factors help to determine geographic, social, and economic differences in health quality. Epidemiology is therefore theRead MoreFresno County Of Fresno City1535 Words   |  7 Pagesfor residents or tourists. Downtown Fresno is home of numerous museums featuring the diversity of cultures for instance Arte Americas includes art from Mexico, and other Latin countries. Also, Fresno has various dining places that offer different types of food from Italian to Indian and few vegan options. Another characteristic Fresno has is the Tower District, its neighborhood contains â€Å"white-collar and blue-collar, families and singles, students and retirees, conservative and liberal† (The TowerRead MoreEpidemiol ogy and Primary Diabetes Prevention Essay1965 Words   |  8 Pagescertificates listed diabetes as the fifth leading cause of death for Blacks aged 45 to 64, and the third leading cause of death for those aged 65 and older in 1990.† (Bailey, 2007). These statistics show how serious the problem of diabetes has become in the black community. Epidemiological studies can focus the efforts of the healthcare community to effective interventions aimed at lowering the prevalence and incidence of diabetes among African Americans. This paper will explore the role of epidemiologyRead MoreObesity Is A Rising Concern1906 Words   |  8 Pagescomplex physiological and genetic systems, which protect them against starvation and protects deposited body fat. Technological aids lessen physical effort, which give rise to an obesogenic environment, thus increasing the risks of obesity and associated diseases (Bellisari, 2008). According to Brown (1991), cultural and biological evolution framework provides the best understanding of human tendencies to obesity and fatness. Both, cultural traits and genes play a significant role in the etiology of adult

Consumer Reflections on “Buy One Get One Free” (BOGO) free essay sample

A rich literature in sales promotions has shown that the short-term sales are positively affected by offering promotions (Blattberg and Neslin, 1995). â€Å"Buy One and Get One free† (BOGO) is a common form of volume discount promotion, used universally in the marketing industry by retailers, enticing consumers to buy their product through the offer of a free gift. The BOGO advertising has been widely publicized in countless supermarkets and outlets as means of promoting the products. BOGO scheme is one type of popular product volume discount nonmonetary sales promotions schemes in which the consumer gets two (or more) products of the same type for the price of one, or receiving a free product by purchasing some other product. Promotions such as â€Å"buy one get one free,†, â€Å"buy two get one for free† and so on are frequently used to generate unplanned purchase (Inman et al., 2009). Marketers find BOGO scheme has an attractive element to pull customers attraction towards purchasing their products in a short time period and also to capture the market for future business. We will write a custom essay sample on Consumer Reflections on â€Å"Buy One Get One Free† (BOGO) or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page When the word â€Å"Free† is noticeable in the product label or in the racks of supermarkets it usually catches the attention and the excitement of the consumers as the rewards for both the consumer and the retailers. The efficacy of free gifts is, however, in doubt, shoppers do not understand why retailers offer this kind of promotion when it is no more profitable for stores than a half-price sale. A study done in India has concluded that sales promotions like offering â€Å"free goodies† are not perceived favorable by consumers although this promotion is being widely promoted in India (Manalel et al., 2007).Simonson et al. (1994) endorsed Manalel et al. (2007) and stated that consumers who are not interested in purchasing the additional product may not avail the BOGO promotion scheme. In Malaysia, BOGO scheme promotion is popularly used to attract local and foreign customers for the sales of their products. Malaysian consumers respond more to free samples and offering free samples have encouraged product trials (Ndubisi and Moi, 2006). Despite the growth in BOGO sales promotions and the concerns raised, there is a scarcity of literature devoted to the BOGO scheme in the market. Also, BOGO promotion scheme does not always achieve its objectives, such as increasing sales significantly (Gedenk et al., 2004). Therefore, the purpose of this study is to conduct an exploratory study to explore the drivers that influence the purchasing reflection towards BOGO scheme in the market.

Poetry Appreciation Essay Essay Example

Poetry Appreciation Essay Essay In this essay I am traveling to compare and contrast ‘When we two parted’ a verse form of George Gordon. Lord Byron’s written in 1815 and Letitia Elizabeth Landon’s ‘Love’s last lesson’ written in c1838. both poets are British and of the romantic period. ‘When we two parted’ is an lament of the loss of love. Byron is reflecting and analysing a relationship that has already ended. His heartache. choler and desperation. intensifies his usage of first individual. which maintains a strong impact on the audience throughout. The verse form is powerful. personal and unreserved. the emotion and passion is decidedly felt through his authorship. Byron’s message is equivocal ; so the reader is able to do their ain premise this is the beauty of the verse form. it is capable to single reading. doing it inclusive and relatable to many different state of affairss. We will write a custom essay sample on Poetry Appreciation Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Poetry Appreciation Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Poetry Appreciation Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The construction of the verse form is separated into four stanzas each one being an eight. Punctuation suggests that every two lines can be read as one. the meter of the verse form is iambic pentameter. each line holding 5 iambs and 10 syllables when two lines are read as one. The riming form in stanza one. two and four is ababcdcd but stanza three is ababacac. The verse form chiefly has a regular rhyming strategy but the ‘flow’ is disrupted in stanzas one and four lines five and six. I am non certain if this was knowing. I believe the verse form can be interpreted in many different ways ; the overall feeling is the separation of two lovers. throughout the verse form there are legion mentions proposing mourning. loss and unfaithfulness. In the first Stanza the metaphor ‘Pale grew thy cheek and cold. colder thy buss ; ’ uses pale and cold in contrast with the rose-colored warm imagination of life. this could really good be an indicant of decease but could merely be an hyperbole of how he felt after the interruption up. On Line four the statement ‘To sever for years’ is equivocal as it suggests a drawn-out separation but can besides intend cut in two therefore could be related to line three ‘Half broken- hearted’ . another interesting point is that the Byron used the word old ages instead than infinity or everlastingly. possibly there was a hope of being reunited once more in the hereafter. ‘Sorrow’ symbolizes the heartache and bereavement he feels. non needfully for person who has passed off merely merely a loss. In stanza two ‘The dew of the forenoon. Sunk iciness on my brow’ the dew is the cold moisture. the image of rain could be an fable of cryings and meaning his wretchedness. ‘Thy vows are all broken. ’ implies his ‘lover’ was or is married or the promises she made to him were shattered. later Byron speaks of feeling ashamed when he hears his/her name. perchance because their relationship was illicit. The undermentioned stanza uses a powerful look ‘They name thee before me. A knell to mine ear ; A frisson comes o’er me’ a knell is the sound of a dejecting bell round easy at a funeral. his lover may hold died or Byron could once more be overstating his emotions. speech production as though his lover or ex lover has passed off. On line 20 Lord Byron asks ‘Why wert 1000 so beloved? ’ why were you so particular? Or why did I love you so much? . he is oppugning and resenting these feelings. the verse form so goes on to asseverate that cipher was cognizant of the relationship non even those that knew them both good. ‘Long. long shall I repent thee. excessively profoundly to state. ’ Byron is clearly stating that he bitterly regrets the state of affairs. wishing it had neer occurred possibly even experiencing guilty if his lover was married. Finally the 4th stanza confirms an matter of some kind ‘In secret we met- In silence I grieve. That thy bosom could bury. Thy spirit deceive’ . if his lover had died or simply returned to his/her spouse. so he would still sorrow in silence as the relationship was private. Byron feels betrayed and acrimonious about the relationship. the usage of the word ‘spirit’ once more gives the feeling of decease. ‘If I should run into thee. after long old ages. how should I recognize thee! With silence and tears’ . the last line of the verse form is a echo of the 2nd line ; giving an feeling of indecision. whilst the exclaiming grade puts the echoed line in a different context. when they meet once more it will be with silence and cryings nevertheless the silence will hold a different significance and the cryings will non be 1s of sorrow. It is about like each stanza represents the rhythm of Byron’s emotions. stanza one is the initial dissolution and the start of his sorrowing procedure. in stanza two Byron is still distressed and goes on to show his letdown and embarrassment. by stanza three he is ashamed of himself. oppugning the love and profoundly repenting the state of affairs eventually in stanza four he is acrimonious and fantasising of how he would ignore her/him if they were to of all time run into once more. Love’s last lesson’ is a soliloquy stand foring Landon’s defeat. My feeling is that the character has fallen for person who hasn’t returned her love or wasn’t taking the ‘relationship’ every bit earnestly as she was. The construction of the verse form is free poetry ; it has neither regular meters nor rime In lines one to eight Landon expresses her choler and defeat towards her ex love. who has evidently moved on and bury their relationship with easiness. she can non grok how it is her that’s been dismissed as she feels she was the perfect comrade. Landon uses words from a semantic field of faith ‘I who have worshipp’d thee. my God on earth’ is a strong statement but the metaphor emphasizes her absolute worship for him. ‘Your last bid. bury me. ‘she speaks approximately him as though he has control over her and she must obey him. ‘Will it non drop profoundly down within my inmost psyche? ’ oppugning herself for comfort the poet doesn’t think it’s possible to travel on. ‘Forget thee! – ay. forgetfulness will be a clemency to me’ she truly wishes she could hedge her emotions. it would discontinue her grief. The injury has taken control of her life to the extent of avoiding slumber in fright ; she relives the torment in her incubuss ‘a dream had made me unrecorded my sufferings again’ . The dreams she has are in fact worse than world. ‘Acting my misery. without the hope my foolish bosom still clings to. ’ the lone thing Landon can make now is ‘hope’ that there will be some patterned advance even though she herself thinks it’s extremely improbable. her hope is the merely positive thing she has left other than the grief and sorrow. she uses the simile of hope being like a drug that calms her hurting somewhat until the realization hits which makes it intolerable ‘double torture’ . Landon is isolated and passing her yearss entirely feelings nervous and uneasy. ‘when a breath sent the ruby to my cheek. like the ruddy gushing of a sudden lesion ; by all the careless expressions and the careless words which have to me been like the Scorpios stinging’ ruby and ruddy flushing to the cheek gives an imagination of shame. this gave me the feeling of calumny. Landon may hold a history that she isn’t proud of and that is what she really wants to bury. the manner she is being disregarded is what is aching more than anything as she said it was like a ‘scorpion stinging’ which is a simile for indefinable hurting. In this stanza Landon makes some powerful statements ; her felicity has been destroyed everlastingly. she’s deemed with ageless wretchedness. her feelings have been wasted. her wellness destroyed. her hopes have been crushed and her bosom stole.

A Momentous Occasion Has Been Bestowed Upon Us. The Mars Polar Lander

A momentous occasion has been bestowed upon us. The Mars Polar Lander will try to reach its destination of Mars' southern polar ice cap. The Lander was presumed to touch down on Friday December 3, 1999. It was launched from Cape Canaveral Air Force Station Space Launch Complex 17 on January 3, 1999 and hopefully it has finally reached the surfaces of Mars. This mission is worth $327.6 million total for both orbiter and Lander (not including Deep Space 2). Those figures come from $193.1 million for spacecraft development, $91.7 million for launch, and $42.8 million for mission operations. March 1, 2000 is the anticipated end of the Primary Mission. This truly a feat of humankind to explore and decipher the landscape of the "red" planet. "Why would we consider tampering with the planet in the first place?" a lot of people would ask. Some of these reasons are pretty obvious. It all started in the late 1870's, when Giovanni Schiaparelli viewed what seemed to be canals. These canals start ed from each respectable pole and seemed as if these canals transported water to various areas of the planet. This observation sparked more exploration. Although, with the limited resources back then, there was not much they could do. Times have changed and with the available technology, the feat is possible. Exploration has expanded, and we have learned various new things about the planet. Many missions have went to Mars and explored since the first fascination with this planet and more is still to learn. Hence the purpose of the mission that is upon us. Another reason for the exploration is that Mars is the next most inhabitable planet, next to the earth, in the Solar System. We wonder if that in a couple of year that we can live there. But all that is in the far future. The Landscape of Mars is rather treacherous, learned from previous missions. The polar regions of Mars are sometimes cold enough to freeze carbon dioxide into dry ice, something that never happens naturally on Earth. Scientists hope to learn about Mars' climate by studying layers of dust and possibly ice during the 90-day mission. Instruments will measure vapor in the atmosphere, while a claw on the spacecraft will collect samples to be cooked and analyzed for water. The 3 1/2-foot-tall, 2-foot-wide Lander was to set down in a never-explored region so close to the South Pole that the sun will not dip below the horizon during the mission. Though it will be late spring, the average temperature is expected to be minus-73 degrees Fahrenheit. The probe is landing in a region that was said to be inhibited full of water. The water is believed to have made the planets rocky landscape. The geology ranges from deep canyons, and even ancient shorelines. Tectonic plates play a vital role in push ing carbonates under the surface of the earth, contributing to the active volcanoes across the earth. There has been evidence on Mars that there have been abundant volcanic activity in the past. Without tectonic plates, that has become a mystery. Two theories have been expressed to explain Mars' geology. One is that the planet was once warm and boasted oceans, rivers and even a thicker atmosphere. The other says that the planet was always cold and was under a thick sheet of ice. Regardless, which theory is true, it proves how much we really do not know about the "red" planet. Unfortunately, the Polar Lander has not reached its destination. The endless days have elapsed and the mission team fears that all hope is lost. They have been trying desperately to communicate with the Lander, but there is no response. The first days, but they remained optimistic. Now as the days go by and the communications have failed. It seems they have given up hope. If they have given up hope, it will be for this mission, not for the missions to come.

Free Essays on Tip ONeill

Tip O’Neill and the Democratic Century By: John A. Farrell â€Å"Tip O’Neill: And the Democratic Century,† is more then the definitive biography of a flawed but startlingly successful old-fashioned political leader. It’s also a guided tour through American governmental history from the beginning of the New Deal through the Reagan years, featuring the struggle between two larger-than-life political champions and their ideologies- Ronald Reagan and the Old Conservatism against Tip O’Neill and the New Deal liberalism. It was a battle over the nation’s political soul. Tip O’Neill came from a neighborhood of Irish immigrants in North Cambridge, Massachusetts. His father was a leader in the local Democratic Party machine and instructed his son in the ways of precinct captains, organization politics, and patronage jobs. In 1948 Tip became the first Irish American, the first Roman Catholic, and the first Democratic Speaker of the Massachusetts House of Representatives. He served in Congress from 1953 through 1989 and saw some of the greatest moments of post-World War II American politics and the ride and decline of Democratic politics. By 1952 he had arrived in Washington, in the beginning of his civil rights struggles. O’Neill has a complex relationship with the Kennedy’s and split with Lyndon Johnson over the Vietnam War. It was Tip who bridged the Gulf between the old and the new wings of the Democratic Party during the Vietnam era, Watergate, and the post-Watergate reforms. He was elected Speaker of the House in 1977 but watched his party crumble during the Jimmy Carter years and Reagan Revolution.... Free Essays on Tip O'Neill Free Essays on Tip O'Neill Tip O’Neill and the Democratic Century By: John A. Farrell â€Å"Tip O’Neill: And the Democratic Century,† is more then the definitive biography of a flawed but startlingly successful old-fashioned political leader. It’s also a guided tour through American governmental history from the beginning of the New Deal through the Reagan years, featuring the struggle between two larger-than-life political champions and their ideologies- Ronald Reagan and the Old Conservatism against Tip O’Neill and the New Deal liberalism. It was a battle over the nation’s political soul. Tip O’Neill came from a neighborhood of Irish immigrants in North Cambridge, Massachusetts. His father was a leader in the local Democratic Party machine and instructed his son in the ways of precinct captains, organization politics, and patronage jobs. In 1948 Tip became the first Irish American, the first Roman Catholic, and the first Democratic Speaker of the Massachusetts House of Representatives. He served in Congress from 1953 through 1989 and saw some of the greatest moments of post-World War II American politics and the ride and decline of Democratic politics. By 1952 he had arrived in Washington, in the beginning of his civil rights struggles. O’Neill has a complex relationship with the Kennedy’s and split with Lyndon Johnson over the Vietnam War. It was Tip who bridged the Gulf between the old and the new wings of the Democratic Party during the Vietnam era, Watergate, and the post-Watergate reforms. He was elected Speaker of the House in 1977 but watched his party crumble during the Jimmy Carter years and Reagan Revolution....

Do you believe photography of public places is an inherently Essay

Do you believe photography of public places is an inherently suspicious act that police should investigate when observed - Essay Example These raised concerns regarding photography in public places. However, these should not be enough to make the capture of photographs in public places an inherently suspicious act. This is supported by several legitimate arguments. First and foremost, there is the basic photographer’s right. Dannemann (2009) emphasized this when he pointed out that in most free society, the right to take pictures within the public sphere is inviolate and is guaranteed by fundamental laws (p.99). If a photographer cannot take photo in a public space, how could he create the desired composition and exposure of people, things and places if he is barred from doing so on account of being viewed as suspicious? The space is not owned by anyone and shooting pictures is part of a citizen’s freedom to do as he desires, without interference and certainly without prejudice from other people and the authorities. It is also helpful to determine why photography arouses suspicion. According to Mark Meyer (2013) this can be largely attributed to the impact of the what he called as movie plot threats: that we like to anticipate and predict attacks and threats and since we do not have anything to base such predictions from, we are driven by materials read in thriller books or seen in the movies where the bad guy does his photo surveillance. So viewing photography as suspicious is a manifestation of a society that is getting paranoid. People should just as well bury their heads in the sand or live under a rock if they are afraid of being seen in public. And it is not good to live in such environment where people instinctively view others and their actions in a negative way. Besides what could photographers possibly do with an image of an individual in public? Not all people are perverts, criminals or terrorists and the public recognizes this. Each of us must have used a camera in public at some po int in our lives so we understand the logic behind photography in public spaces. If there