Wednesday, September 2, 2020
Language and Identity in Kim Thuys RuÃÂ Essays
Language and Identity in Kim Thuys Ruâ Essays Language and Identity in Kim Thuys Ruâ Paper Language and Identity in Kim Thuys Ruâ Paper Composed as a semi-personal arrangement of records, Kim Thuyââ¬â¢s Ru offers an idyllically practical depiction of the Vietnamese evacuee experience. It is a work of transformation that takes the novelââ¬â¢s heroin on a rollercoaster ride from wealth to clothes to newfound wealth (from wealth to clothes to newfound wealth), in an appalling presentation of war-prompted crumbling and weighty achievement. Like the run of the mill migrant story, the storyteller, Nguyen A Tinh, features language as a hindrance that frustrates her from arranging herself in an outside space as a ten-year-old evacuee in Quebec. My paper will analyze the semantic obstructions that catalyze settler achievement, just as the methods by which these boundaries are obliterated inside a setting twisted by war, diaspora, and shelter. It will likewise look at the importance of family ties and parenthood in the life of the books hero. Kim Thuyââ¬â¢s decision for a title to her novel anticipates the primary subject of parenthood predominant over the span of A Tinhââ¬â¢s life. Mother figures have without a doubt assumed a significant job in molding her character, both as a youngster and as a grown-up. In a meeting, Thuy uncovers that in her local tongue, Vietnamese, run implies ââ¬Å"a bedtime song, or to lullâ⬠and is generally utilized by moms to relieve their kid to rest (ââ¬Å"A Refugees Multilayered Experienceâ⬠). From the earliest starting point, it is obvious that Thuy places extraordinary accentuation on parenthood and its effect on A Tinh. Moreover, In her supportive language, run gives a progressively comprehensive significance; one that identifies with family ties. In French, run implies a little stream, a stream conceivably of blood. The pun in the workââ¬â¢s title passes on the partition in language that pervades the protagonistââ¬â¢s life. The storyteller initially presents herself as Nguyen A Tinh and quickly focuses to the closeness among her and her mom. The reason for her reality is to drag out the life of her mom, with whom she s
Saturday, August 22, 2020
The meaning of life Essay Example for Free
The importance of life Essay Presentation: According to Saint Exupery in The Halo (2006), ââ¬Å"Each man must look to himself to show him the importance of life. It isn't something found: it is something shaped. â⬠The importance of life has a no particular definition; it relies upon how every individual offer significance to their lives. It is a characteristic thing for a person to inquisitively think about their life since their introduction to the world till death. Additionally, individuals are likewise inquisitive to discover why they were placed in this world that is the reason babies maintain contacting everything in control to encounter all their environmental factors from the earliest starting point (Taylor, 2000). In this paper, the idea of importance will be essentially dissected. Right off the bat, by characterizing the significance which will also be trailed by examining the various kinds of necessities an individual must meet to encounter the importance of life. Thirdly, the sorts of things that upgrade and check the experience of the significance of life will be featured. In conclusion, different down to earth steps will be depicted to upgrade the experience of the significance of life. This exposition will be entwined with individual reflections and desires that have upgraded the importance of life for the author. What is the significance of ââ¬Ëmeaningââ¬â¢? Subjectivism: According to Eagleton (2007), everybody adds their own importance to life. The importance of life is rarely general or complex. The importance of life is straightforward and individuals experience it when they comprehend the universe, themselves, their character and their objective throughout everyday life (Bennet, 2005). Subjectivists express that the significance varies with individualsââ¬â¢ mental and mental states and their wants and objectives. For instance one individual can discover importance of life in music or workmanship while other may discover it in accomplishing objectives or in religion (REF). Furthermore, (REF) expresses that life possibly becomes important when all the necessities and needs are satisfied and when the individual is content and happy with themselves. Too naturalistic perspectives: On the other hand, profound creatures believe their lives to be considerable and huge when they can arrive at the devout pathway God has set (REF). The God-focused view calls attention to that the authoritative importance of life is comprehensively achieved. In addition, an individual will possibly make sense of the importance of life when they are not joined to the common wants (REF). Individual reflection: By and by, the significance of life for me is continually being in scan for my personality and achieving the objectives I have set throughout everyday life. I investigate my character through my fine art as it encourages me express my sentiments and feelings about everything. My craftsmanship causes me to acknowledge who I am as an individual and what individuals decipher me as an individual through my compositions. What kinds of necessities must be met for an individual to encounter significance throughout everyday life? Looking through the importance of life is an inspirational power in an individual be that as it may; the level of inspiration to which they search the significance of life contrasts in all people (REF). In spite of people having various degrees of inspiration, there are a few needs and conditions that must be met for the people to encounter the significance of life. People don't really need to meet similar needs and conditions to encounter the importance of life. A few people are roused by others like extraordinary specialists, creators and scholars, a few people need feeling of having a place, some need to encounter certain occasions to understand life while others have to accomplish independence and self adequacy to encounter the significance of life. To put it plainly, people can find the significance of life through social work, encountering a person or thing or responses towards unavoidable conditions (REF). For instance, a person who is passionate requirements to encounter the need of having a place all together with experience the importance of life. They have to have numerous companions and a decent connection with their family so as to fulfill their need of having a place; this encourages the person to carry on with a glad and full life. Nonetheless, on the off chance that they don't feel the feeling of having a place, they have no expectation subsequently don't have anything to anticipate and see no point of living. On the other hand, not all people need to address the issue of having a place with experience the significance of life. Some may need to encounter the need of self-rule and self adequacy. These sorts of people ordinarily have certain objectives and errands in life which they accept they can accomplish in this way that would assist them with encountering the importance of life. For instance, a person whose objective is to turn into a specialist attempts to achieve that objective by being a diligent employee and dedicating all his opportunity to accomplish their objective. They would encounter the importance of life when they accomplish the title of the specialist as it would assist them with overcoming a spot in the network and increase some eminence. Likewise, if an individual neglects to accomplish this need may increase an extremely low confidence which would then effect on the decisions they makes throughout everyday life. They would turn out to be subject to other people and would not have the option to adapt to that driving them to experience the ill effects of different medical problems. What sorts of things upgrade the experience of importance throughout everyday life? The significance of life can be improved by supporting life, tolerating an educating, giving life or making shrewdness (REF). For instance things that would improve the importance of life for moms, specialists and medical attendants is the point at which they convey as connections in an organic chain by giving life from one age to the next. Youthful craftsmen are motivated and upgrade their significance of life when they approve and regard and acknowledge their teacherââ¬â¢s work (REF). By and by, as a craftsman, the significance of life for me is upgraded when I can value crafted by various craftsmen and what they are attempting to communicate in their canvases. Fine art causes me to comprehend the various sentiments people go however and how they express it through drawings. It likewise makes me see various perspectives of life and encounters individuals are experiencing. In spite of all people having various necessities to find the significance of life, there are sure things that all people require to upgrade the importance of life like: Hope Inspiration Goals High confidence. What sorts of things check the experience of significance throughout everyday life? Numerous people control their encounters of the significance in life because of: No motivation or objectives and disappointment: If an individual continually falls flat and has no potential and motivation of accomplishing his objectives may feel ineffectual and miserable. They may begin feeling that they have no reason throughout everyday life and life is totally futile for them. Loss of friends and family: loss of a friend or family member through death or separation may influence an individual intellectually and inwardly. They may feel the are not adored and don't have a place anyplace as their cherished one doesn't exist any longer. The misfortune brings enduring and wretchedness which causes a person to accept that like if inane. Finally, encounters like these pushes a person to have a low confidence and gotten saved (REF). Individual Reflection: If people are not open, unfeeling or reluctant to be viewed as themselves because of low confidence can't upgrade their importance of life and thus would check this experience. As a craftsman, I will likely turn into a workmanship instructor and help other kids to communicate their emotions through artwork on the off chance that they can't through words. Be that as it may, I have a reasonable objective and consistently have been motivated by my dad to achieve this objective. On the off chance that I had a low confidence and didn't put stock in myself, I would have no expectation henceforth that would check the inquiry of importance of life as I would feel I am useless Practical strides to improve the experience of a significant life As referenced above, numerous people control their encounters of the significance in life because of low confidence, no motivation, no objectives and being saved. In any case, they can improve their experience right off the bat by tolerating and having confidence in themselves. This would assist them with making a commitment to life and offer their best. As indicated by (REF) foolish conduct can be vanquished by expanding self-viability and confidence. This should be possible through directing with the goal that they can begin having confidence in themselves. People who need the feeling of having a place with experience the significance of life should attempt to fit in and associate with individuals they are near and have great associations with them all. Besides, people who are attempting to accomplish a particular objective ought to consistently compensate themselves each time they are a bit nearer towards the objective. This would keep them roused and not lose trust. Actually, I upgrade my experience by recognizing the extraordinary craftsmen and how they are a motivation to other youthful specialists. End Finally as referenced there is no particular importance of life. All people need to meet various kinds of requirements, for example, the need of having a place, encountering perilous episodes, need of self-rule and self adequacy to encounter the importance of life. An individualââ¬â¢s recognition, qualities, needs and sentiments focus him and help in arranging his general surroundings. Emotions help in communicating. On the off chance that an individual has an incredible aptitude in communicating, he can change the bigger world. Extraordinary craftsmen discovered articulations in their work of art which helped them change the world that came after them. The manifestations around us are simply the various people attempting to communicate and their encounters of the importance of life. All the inhibitors that we gangs, for example, low confidence and internal battles ought to be set out to make life progressively imaginative and upgrade the importance of life.
Friday, August 21, 2020
Illicit Trafficking in Cultural Goods: Impacts and Policies
Unlawful Trafficking in Cultural Goods: Impacts and Policies Title: Illicit dealing in social products with uncommon accentuation on Mauritius. Presentation The global commercial center for social products is a billion rupees advertise. Consistently on the planet criminal or plunderers are sneaking out social merchandise from their nations of starting points and offered them to outside nations. My point in this venture is to improve our comprehension of dealing in social articles so as to make individuals mindful that unlawful exchanging of social products is an offense as social items work as an archive of memory and which empower each culture far and wide to talk about themselves and about their beginnings. Besides social products are the main confirmations left for us to elevate and to shield oneââ¬â¢s culture and causes. Social products are the key antiquities and are a piece of all inclusive story of mankind so once those social items are crossing limits of nations to be sold wrongfully to outside nations, simultaneously our social character is blurring. Also, when those social merchandise are taken, plundered or wrecked, they will be lost perpetually, accordingly we should stop illegal dealing in social articles. Writing REVIEW Definition What is social acceptable? We regularly observe the terms social ââ¬Å"propertyâ⬠, ââ¬Å"heritageâ⬠, ââ¬Å"goodsâ⬠and ââ¬Å"objectsâ⬠exchanged. Each state has its own meaning of social ââ¬Å"goodsâ⬠, ââ¬Å"heritageâ⬠or ââ¬Å"propertyâ⬠. What's more, thatââ¬â¢s why the two major global shows tending to unlawful dealing in social articles, the 1970 UNESCO Convention on the Means of Prohibiting and Preventing the Illicit Export, Import and Transfer of Ownership of Cultural Property and the 1995 UNIDROIT Convention on Stolen or Illegally Exported Cultural Objects was made to assist each state with getting an increasingly suitable legitimate meaning of the term social products so concerning them to have the option to forestall dealing in social items and furthermore to forestall the provenance of a social decent. Under article 1 of the 1970 UNESCO Convention on the Means of Prohibiting and Preventing the Illicit Export, Import and Transfer of Ownership of Cultural Property and under article 2 of the 1995 UNIDROIT Convention, both show characterize the term ââ¬Ëcultural propertyââ¬â¢, ââ¬Å"as property which, on strict or mainstream grounds, is explicitly assigned by each State as being of significance for paleontology, ancient times, history, writing, workmanship or scienceâ⬠[1]. What's more, the two shows have set up a classifications of social articles so concerning every state to get an away from of what social merchandise truly comprise of and also this will help states to characterize and draw a rundown of legacy which their nations had with the reference to the recorded classifications of social items which both Convention have provided food for.[2] Sorts of social legacy: 1) Tangible legacy 2) Intangible legacy unmistakable legacy is one that can be put away and genuinely contacted. This incorporates things delivered by the social gathering, for example, customary apparel, utensils, (for example, beadwork, water vessels), or vehicles, (for example, the bull wagon). Unmistakable legacies incorporate extraordinary landmarks, for example, sanctuaries, pyramids, and open landmarks An immaterial legacy is the thing that exists mentally in the way of life. It's anything but a physical or substantial thing. Immaterial legacy incorporates tunes, fantasies, convictions, odd notions, oral verse, just as different types of customary information, for example, ethno plant information. For instance for the Southern Kalahari San, each tree and numerous other physical destinations are a piece of their immaterial legacy as their history is related with these locales through stories, names and songs.[3] WHAT IS ILLICIT TRAFFICKING IN CULTURAL GOODS? The unlawful dealing of social merchandise is an extremely mind boggling issue. Unlawful dealing can be arranged under different structures and it is a rewarding business. Components like topography, world of politics and socio ââ¬economic, are now and then liable for the ascent of unlawful dealing of those social goods.[4] Illicit dealing in social items is the point at which an individual or a gathering of individuals is creating a gainful secret market at the costs of taken antiques or articles, of unlawful exhuming of archeological and paleontological destinations and of illicit import and fare of social property. Dealing in social articles permits hoodlums to take advantage of a lucky break to manage high measure of things that are all the time need assurance. In this way, since these product are ineffectively ensured, the cheats or bandits can do illicit import and fare from nations to nations. In the paper, Perspective on the association and control of the illegal traffic in relics in South East Asia composed by Christine Alder, partner specialist in criminology University of Melbourne, Duncan Chappell, Professorial Fellow, Center for Transnational Crime Prevention,University of Wollongong,Australia and by Kenneth Polk,Professor of Criminology,University of Melbourne, Australia during the International Conference on ââ¬Å"Organised wrongdoing in workmanship and antiquitiesâ⬠Courmayeur Mont Blanc, Italy12-14 December 2008 , the creators noticed that since unlawful tracfficking is a worthwhile business, along these lines that sort of market can turn out to be risky as it managed an imm ense measure of laundered cash. What's more, when cash is made while selling social products, those creation that cash are frequently associated with police or military specialists, and take an unpromising and bleak perspective on obstruction in their rewarding business.[5] The way that unlawful dealing regularly manages political turn of events and financial emergency; this further exacerbates the battle of illicit dealing of social merchandise. In addition when a nation has a rich culture, it is increasingly defenseless against social loot. For instance nations like Cambodia, Italy, Africa, Oceania, Eastern Europe, Greece and Turkey are inclined to looting of social materials. Nations like Cambodia with a rich culture however with a poor economy are bound to be casualties of unlawful dealing of social products. As Etienne Clement, UNESCO,Director saysââ¬Å" Cambodiaââ¬â¢s culture is exceptionally rich, yet the nation itself is poor. Itââ¬â¢s a perfect circumstance for unlawful traffickingâ⬠(BBC on the web, 2004)[6]. In Cambodia since there financial circumstance are poor, the plunderers are generally neighborhood individuals wanting to procure a couple of dollars. In Cambodia has confronted slaughter of its social products and the issue is as yet going on regardless of whether the UNESCO has mediate in Cambodia. Many sculptures are without heads and dividers are frequently set apart with Graffiti. Hundreds and several locales are being uncovered each day, said Dougald OReilly, the executive of Heritage Watch, a free gathering expecting to defend Cambodias social legacy. In Cambodia legacy locales are frequently hard to get to and thatââ¬â¢s why it is hard for the specialists to police the destinations. Also, as Dougald Oââ¬â¢Reilly said to the BBC on the web, at some point UNESCO will in general spotlight on especially size at exactly that point giving less consideration to other significant locales which dated from Bronze and Iron Ages(BBC online)[7]. What's more, something which is progressively pitiful and disturbing is the point at which we witness how individuals gradually are selling their social character and annihilating their inceptions only for a couple of coins. This exhibit those hoodlum or marauder who are selling those social fortune need ideas on the historical backdrop of their nations and on different hands they are compelled to entertained themselves to this illici t demonstration since they are likewise living in a poor conditions. Mr Oââ¬â¢Reilly put further to the BBC online that in Cambodia, In certain pieces of the nation, you can purchase 10 kilograms of antiquated iron from these graveyards for only 25 pennies, its transparently sold in neighborhood markets.[8] In addition social items can without much of a stretch be sold as retailer or vendors to advance their products they even present confirmations of loot as a methods for ensuring the realness of their merchandise.[9] Another issue why social products are being capable cross limits and arrive at remote nations is on the grounds that there is an absence of documentation in regards to the provenance of social products. And furthermore, authorities working in the field of sending out and bringing in have no or least information on prehistoric studies or need idea of social examinations accordingly it is hard for them to catch hoodlums and recognize social products. Every one of these elements, contribute further for ââ¬Å"heritage plunderingâ⬠. Also, today, the unlawful traffic in social property proceeds universally and is evaluated to be worth $4.5 million dollars a year.[10] Moreover as indicated by Dr. George Abungu, a paleologist and the establishing Director at Okello Abungu Heritage Consultant, he said that expansionism and the spread of Christianity are additionally liable for the immense loot of African legacy. African legacy was wrecked with the new religion such as, ââ¬Å"the evangelisation of the African landmass and the Black manââ¬â¢s heartâ⬠, and other were gathered and moved for the sake of His or Her majestyââ¬â¢s government.[11] Invasion by the British, German and the French are additionally liable for legacy devastation. For instance the British endeavor in Benin City, Nigeria and those of the Asante Kingdom at Kumasi in Ghana. Also, such endeavor were attempted in Asia, South America, and in Africa and just as in North America. Furthermore, social products were plundered and those liable for this unlawful demonstration were considered as legal gathering instead of plunder.[12] The way that social products can impart, either legitimately or by affiliation, a part of reality which rises above time or space gives it extraordinary signi
Saturday, May 30, 2020
Is Elon Musk right in saying most academic papers are useless
Is Elon Musk right in saying most academic papers are useless? When Elon Musk opined that most academic papers are useless, it was in the context of their usefulness to others rather than the writers themselves. While it is likely true that the tens of millions of academic papers that are written each year are completely read only once (if at all), it is also true that academic papers can help students learn more about a given topic or issue in ways that might not otherwise be possible. Moreover, academic papers provide a gauge of learning that can be used to evaluate student progress. More importantly still, some academic papers do become enormously significant. For instance, an academic paper from West Virginia University resulted in the U.S. Environmental Protection Agency discovering that Volkswagen had used illicit software applications that permitted its diesel-powered vehicles to operate on a cleaner cycle when they were subjected to emissions testing. The revelation had serious long-term implications, including reducing Volkswagenââ¬â ¢s market value by fully 20% and costing the company nearly $20 billion in fines for these illegal practices.
Wednesday, May 6, 2020
The Birth Of America Is Well, The Biggest And Greatest
The birth of America is well, the biggest and greatest thing to ever happen to us. There are many things that led up to the 1865 era such as salutary neglect, the Constitution, the Louisiana Purchase, Manifest Destiny, and Slavery. Those are just a few things that America powered through to get where we are today. Our Forefathers attempted to rectify what some would consider harsh actions made by the kingdom of Britain in the mid 1700ââ¬â¢s. The British didnââ¬â¢t take the American territories seriously and just saw them as colonies to be used and exploited in whatever way that best suited the kingdomââ¬â¢s interest. The morning of April 19, 1775 America was then no longer just negotiating for its rights, we were fighting for them.â⬠¦show more contentâ⬠¦By the end of the assembly of the Second Continental Congress, America would declare war on Britain. In Lexington in April of 1775 the British troops and colonial militiamen kicked off the armed conflict. By the summer the rebels were waging a full-scale war for their independence. France entered the American Revolution on the side of the colonists in 1778, turning what had been a civil war into an international conflict. French assistance helped the Continental Army force the British surrender in Yorktown, Virginia, in 1781. We had won our Independence. Though fighting would not officially end until 1783. The United States Constitutionââ¬â¢s final draft was approved on September 17, 1787. It established Americaââ¬â¢s national government and fundamental laws, and guaranteed certain basic rights for its citizens. It was, however more than just a document. It would more importantly establish the form of government that would be utilized right up to modern day America. The framers of the Constitution knew that while government needed power in order to be effective, too much power could lead to abuses. So they kept government under control by dividing the power into two ways; Federal and State powers. The federal system of government was shared among state and national authorities. Some powers, such as establishing an educational system were known as reserve powers because they were reserved for the state. Others, such as declaring war wereShow MoreRelatedAn Exploration of Individualism as Described by Alexis de Tocqueville in Democracy in America1312 Words à |à 6 PagesAn Exploration of Individualism As Described By Alexis de Tocqueville in Democracy In America The classic work Democracy In America by Alexis de Tocqueville has been the reason for scholarly pursuit as well as strife within that same community. Through a brief examination of this text, several of Tocquevilleââ¬â¢s arguments helped to define many of the constructs that made America what it was as well as those that have led to what it has become today. 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Tuesday, May 5, 2020
Countrywide Home Loans â⬠Analysis Essay Sample free essay sample
Countrywide Home Loans is one of the larges mortgage companies in the United States. The company was founded in 1969 and the concern is focused chiefly on existent estate finance and related activities. For old ages the company has been systematically among the top mortgage companies in the state. Recently. the mortgage industry has been in convulsion. Adjustable rate mortgages and a hapless lodging market are a few of the factors that are doing the industry to be indispensable turned inverted. Even when faced with todayââ¬â¢s hapless lodging market and a clip when many mortgage companies have either closed their doors or filed for bankruptcy protection. Countrywide Home Loans has survived its ain battle to stay one of the most profitable mortgage companies in the United States. A bulk of Countrywideââ¬â¢s gross is generated through two beginnings. One of those beginnings is through loan inception. Loan inception is the procedure in which the loaner really financess the loan. We will write a custom essay sample on Countrywide Home Loans ââ¬â Analysis Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page An illustration would be when a borrower decides to refinance or buy a place. the borrower will work with the loaner to O.K. their loan so the loaner can shut and fund the loan. The other beginning of gross is through loan service. This procedure is after the loan has closed and the loaner gets paid for roll uping payments from borrowers. Not merely will Countrywide serve their ain loans. but they besides buy loans from other loaners and agents to add to their portfolio. After studies of net income of over 2 billion dollars the past two old ages. Countrywide is non on gait to make that mark this twelvemonth ( hypertext transfer protocol: //finance. Google. com/finance? q=NYSE: CFC ) . The companyââ¬â¢s sulky studies are more of a contemplation of the current province of the market so of its ain schemes. ââ¬Å"Over the past few old ages. the most common type of sub premier loan has been adjustable-rate mortgages known as the 2/28 ARM. Since mid-July. five of the six biggest bomber premier mortgage loaners stopped offering 2/28 ARMââ¬â¢s. â⬠( hypertext transfer protocol: //bankrate. com/brm/news/mortgages/subprime_20070726_a1. asp? prodtype=mtg ) . A 2/28 ARM is an adjustable rate mortgage that is fixed for merely the first two old ages and so becomes an adjustable rate mortgage after that. One major company who has fallen during the lodging diminution has been New Century Mortgage. ââ¬Å"New Century has become the prime illustration of a group of companies that grew quickly during the lodging roar. selling propertyless Americans with questionable recognition immense Numberss of ââ¬Å"sub primeâ⬠loans with ââ¬Å"teaserâ⬠rates that typically rose after the first two old ages. This concern transformed the once-tiny New Century into a loaning human dynamo that was held up as a theoretical account of the mortgage industryââ¬â¢s success. â⬠( hypertext transfer protocol: //www. washingtonpost. com/wp-dyn/content/article/2007/05/06/AR2007050601402. hypertext markup language ) . The speedy rise to the top was a short extremum as New Century Mortgage was one of the largest companies to travel under. ââ¬Å"New Century listed liabilities of more than $ 100 million in its Chapter 11 documents filed with the U. S. Bankruptcy Court in Wilmington. Delaware ââ¬â the largest bankruptcy instance to day of the month in the bomber premier mortgage sector. ( hypertext transfer protocol: //www. iht. com/articles/2007/04/02/business/loans. php ) â⬠New Century was a sub premier loaner. A sub premier loaner is a loaner that lends money to borrowers with less than perfect recognition. A major ground for the prostration of the sub premier market was because many borrowers were given adjustable rate mortgages but were qualified merely on the payment during the fixed period. These merchandises were pitched as ââ¬Å"band-aid loansâ⬠. The merchandise was being sold since rates were at an all clip low and borrowerââ¬â¢s had equity in their place so they were able to afford to pay off all of their recognition card debt with the refinance. A huge bulk of these loans were 30 twelvemonth loans where the involvement rate was fixed for merely 2 old ages. What has happened and will go on to go on will be that the loan will come in its accommodation period and borrowers will non be able to afford their new payment. Since belongings values have stabilized. borrowers will no longer be able to refinance and hard currency out and the equity on their places since there is no longer equity in the place. The concatenation reaction to that is places will travel into foreclosure ; investors will fasten their criterions on purchasing loans which is basically pass overing out the sub premier market. ââ¬Å"In add-on. tightened lending criterions stemming from the bomber premier crisis likely mean fewer purchasers. forcing down place monetary values. hypertext transfer protocol: //money. cnn. com/2007/08/10/real_estate/mortgage_rates/index. htm? postversion=2007081016â⬠. Countrywide has avoided become victim to this job for a few grounds. One ground is that the company offers a broad merchandise mix. The company does non hold a niche market. They offer A through C paper merchandises. An ââ¬Å"A Paperâ⬠is considered a borrower with first-class recognition and a solid occupation history. A ââ¬Å"C Paperâ⬠borrower is described as person who have defects on their recognition and/or they are delinquent on the mortgage payment presently on in the recent yesteryear while ââ¬Å"B Paper falls in between. The bulk of loans underwritten today are still ââ¬Å"A Paperâ⬠loans. Since Countrywide offers a broad assortment of loan merchandises. the company can defy the blow of defaulting loans since it has a big portfolio of good loans. A bulk of the mortgage loaners who went out of concern were purely ââ¬Å"Non A-Paperâ⬠or sub premier loaners. Another ground how Countrywide has avoided traveling under is because the company services their ain loans. This has enabled Countrywide to keep on to there sub premier loans in a market in which investors have small involvement. Most mortgage loaners do non hold that luxury. Not merely does Countrywide hold the hard currency on manus to service sub premier loans. they still have one million millions of dollars available to them in warehouse lines. The ability of non being dependent on investors purchasing their loans has greatly impacted Countrywideââ¬â¢s ability to stay profitable during the mortgage radioactive dust. ââ¬Å"The nationââ¬â¢s biggest mortgage loaner sells two-thirds of its loans to government-sponsored endeavors like Fannie Mae. which are under authorization to maintain purchasing loans. hypertext transfer protocol: //www. forbes. com/feeds/ap/2007/08/03/ap3984906. htmlâ⬠. ââ¬Å"In a Securities and Exchange Commission filing. the Calabasas. California-based company said it was at midyear utilizing $ 93. 3 billion of its $ 283. 6 billion of short-run liquidness. go forthing $ 190. 3 billion untapped. It listed $ 3. 8 billion of long-run debt maturing within six months. hypertext transfer protocol: //money. cnn. com/2007/08/06/news/companies/countrywide_liquidity. reut/index. htmâ⬠. Countrywide is besides remaining active in the retail mortgage market in order to last. ââ¬Å"Countrywide Financial Corp. will purchase up to five retail loan inception subdivisions in Georgia. Florida and North Carolina from HomeBanc Corp. ( hypertext transfer protocol: //www. bizjournals. com/jacksonville/stories/2007/08/06/daily20. htmlâ⬠. By purchasing smaller companies. Countrywide is able to keep its footmark in the retail mortgage market without holding to open new subdivisions. The company can transition the freshly acquired subdivisions to follow with the companyââ¬â¢s criterions. Countrywide is besides harvesting the benefits merely because they are a big company that can defy the blows from a down market. ââ¬Å"â⬠The consolidation will drive the concern wholly to the largest participants. â⬠said Brenda White. pull offing manager at Deloitte A ; Touche Corporate Finance LLC in New York. who consults on acquisitions. hypertext transfer protocol: //www. sltrib. com/business/ci_6569222ââ¬Å" . A major advantage to being a big loaner is that the company will non be affected by the crisp addition in foreclosures and delinquent mortgages. ââ¬Å"Countrywide said expected foreclosures as a per centum of unpaid principal rose to 1. 04 per centum from 0. 46 per centum a twelvemonth earlier. and 0. 96 per centum in June. Delinquencies rose to 5. 10 per centum from 4. 11 per centum last July. and Juneââ¬â¢s 4. 98 per centum. hypertext transfer protocol: //money. cnn. com/2007/08/14/news/companies/bc. countrywide. loaning. reut/index. htm postversion=2007081411â⬠. Even with all of the convulsion that is presently blighting the mortgage industry. there will ever be net incomes to be had. Due to the fact there they will ever be the demand for places ; there will besides be a demand for money to be lent to them. Baring fortunes where borrowers do non necessitate to borrow money. there will ever be a market for loaning establishments. Since Countrywide has grown to the size that they presently are. they have the resources available to defy any dangers that may come across in the approaching months. As companies continue to shut their doors. big companies like countrywide will be able to go on to impart to borrowers which will enable them to stay one of the largest and most profitable companies in the mortgage industry.
Friday, April 17, 2020
Unme Jean Branding Web 2.0 Essay Example
Unme Jean Branding Web 2.0 Essay Case: UnME Jeans: Branding Web 2. 0 Solution #1 I think Margaret Foley is not spending enough on internet marketing as per her current media plan. According to Exhibit 1, UnME has projected the highest media budget is slotted for Television and the lowest for online banner and search marketing. I think that UnME should increase their expenditure for Online marketing due the emergence of Web 2. 0 that has attracted a lot curiosity among marketers and the users. I suggest that Ms. Foley reduce her advertising budget for newspaper by at least 10% and reduce budget allocated to television and radio by a small margin. The target market for UnME is teenage girls who are social, taste leaders in their communities and valued brand for their unique features. This audience was showing a clear shift from traditional media channels to Web 2. 0. The reasons being: Lack of control over the information they acquire on television, newspapers and radio. Overwhelmed by advertisers and cluttering of ads on the mediums. Emergence of new technology in hardware and software gave consumers more control over the type of ads they want to see and the content they wish to engage in. For UnME, the advantages of allocating a higher percentage of the budget on online marketing are: Appropriate audiences for the company can now be targeted with more accuracy and with increased efficiency. Since teenage girls would be part of social media communities and use the internet to obtain their choice of information, advertisers would easily locate them and display their ads on such virtual places. We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer
Friday, March 13, 2020
Totem Response Essays
Totem Response Essays Totem Response Paper Totem Response Paper Many stories written by Thomas King have a strong sense of sarcasm and satire worked into the story. This is clearly evidenced in Totem where Thomas King subtly pokes fun at the way the Canadian Government treated Aboriginal people. To understand the deeper meaning of the story, the reader must have a basic knowledge of Canadian history. The way the Canadian Government and European settlers treated the Aboriginal people is often viewed as one of the most horrific and unjust acts in Canadian if not the entire worlds history. The story begins with an impatient, Beebe Hill, waiting at the reception desk to file a formal complaint: she thought other people Were too polite to complain about the noises the totem pole in the far corner of the room was making (119). Ms. Hill represents the population of the European settlers moving into the land and finding Aboriginal people living there. Walter, the head of the museum decides to kick for a quick, easy and emperors fix; his plan is to chop the totem pole down with a chainsaw and move it down to the basement. However to the surprise of Walter and his workers, There is a totem pole in the corner, and its grunting. (121 Another totem pole appeared and it was making even more noise. Walter continued with his easy fix of cutting the totem poles down until he did not have any more room in the basement to store them. Thomas King is cleverly sing satire here to point out how ridiculous of a solution, moving Aboriginals to somewhere where we wont run into them truly is. In the end both Walter and the Canadian Government remained mildly annoyed (122) but decided to live with the problem. Kings incorporation of symbolism amongst the characters, each representing their own piece of Canadian history, allows the satire to reveal just how absurd the Canadian Governments treatment of the Aboriginals truly was.
Wednesday, February 26, 2020
Malicious softwares Essay Example | Topics and Well Written Essays - 2750 words
Malicious softwares - Essay Example These malware programs tend to infect systems and bundle other programs by attaching themselves as macros to computer files. These malware programs are also installed through the exploitation of a vulnerable spot in an operating system, a network spot, or even a hole that is existent in a browser. For these programs to cause harm to the computer, they have to multiply; which is a basic characteristic for them. Worms and viruses have the ability to alter the normal operation of an operating system; inflicting various kernel-level items (Christodorescu et al. 2007). These kernel items carry specific information with them that act as an indicator to existence of malware programs in the computer. As these malwares attach themselves to the computer, they tend to interact with various programs and increase their level of sophistication in order to combat anti-malware solutions. Some types of viruses enter into the user computer systems through the email systems as well as the address books. These viruses present themselves in a manner to suggest their validity and objectivity from coming from a trusted host source. The execution of the host code supplements the execution of the viral code. The virus program is then able to destroy the host program and attach itself into the computer. However, not all viruses have the ability to overwrite other programs especially with their replicate copies (Gragido 2013). Some only infect the boot sector and move the data in the selected boot sector.
Monday, February 10, 2020
Biology Research Paper Example | Topics and Well Written Essays - 500 words
Biology - Research Paper Example Therefore the hypothesis is that "Light deprivation during fetal development and infancy affect the brain function during adulthood". Since this experiment cannot be performed on humans, we need to test this hypothesis in rat model for light deprivation. There will be three sets of experiments, viz., 1. Light deprivation of mother during fetal development (pre-natal). 2. Light deprivation after birth (post natal) for 6 weeks. 3. Light deprivation during fetal development and after birth (both pre-natal and post-natal). Pregnant mothers will be either reared in dark. The pups born to these mothers will be either grown in dark (group 3) or normal light cycle, i.e., 12 hours light followed by 12 hours dark (group 1) for six weeks. Alternatively, pregnant mothers will be reared in normal light and the pups born to these mothers will be reared in dark for six weeks (group 2). All other variables like room temperature, humidity, access to food, quality of food and water will remain constant. After six weeks, the animals will be tested for learning behavior, by a T-maze. In a T-maze, the reward (food) can be placed at on e end and the hungry rat is allowed to choose the arm several times. The number of trails it takes the animal to choose the correct arm gives a measure of its learning capability. Atleast 6-8 animals will be tested in each group and the number of trails recorded.
Thursday, January 30, 2020
On-Boarding, Socialization, Retention and Down-Sizing Essay Example for Free
On-Boarding, Socialization, Retention and Down-Sizing Essay Chernââ¬â¢s has recently hired two new sales associates and have a need for an on-boarding and socialization strategy. Because organizations invest money in hiring new employees, the company has a need to get new hires off to a good start but need help doing so. Because turn-overââ¬â¢s occurs early, organizations can increase their retention rates by helping new hires adjust to their company and jobs. Out-boarding is the process of completing new hires employment paperwork, and providing them with all essential elements for their jobs. Companies also have the need to socialize their employees through planned and unplanned processes, formal and informal activities and experiences through which individuals acquire the attitudes, behavior, and knowledge needed to successfully participate as members in an organization and learn the organizations culture. On-Boarding and Socialization Strategies In order to incorporate Chernââ¬â¢s new hires into its organization several strategic programs, on-boarding and socialization have been recommended. Both of these programs are beneficial for Chernââ¬â¢s and its employees. This recommendation will help Chernââ¬â¢s employeeââ¬â¢s transition into the company. The following strategies were recommended for Chernââ¬â¢s new hires; Orientation will involve employees learning about the company, its culture, values, goals, history, mission statement, business, chain of commend and products. Orientation will encompass the companyââ¬â¢s policy and procedures as well as the process of filling out the proper paperwork required to work at Chernââ¬â¢s. Through the orientation process employees will receive the tools they need to perform their duties, such as uniforms if required, keys, identification cards, computers, an e-mail address, business cards, telephone number and a work space (office or cubicle). Orientation will provide employees with their benefits information (booklet), 401 k plan, and IIP and retirement plan. Orientation will also include learning how to use the companyââ¬â¢s intranet where they can find information about the company (financial facts), products and number of stores and their locations. The orientation process will allow the new hires to meet their co-workers, supervisors and managers. Through orientation employees can understand their roles, and their expectations. Orientation will accelerate the new hires learning process of Chernââ¬â¢s organization. Socializationââ¬âwill give the new hires the planned, unplanned, formal, and informal activities and experiences to acquire the behavior, attitude and knowledge needed to participate as a member of the organization and learn the firmââ¬â¢s culture. Socialization programs that are recommended for its new hireââ¬â¢s are: A Staggered Program This concept allows new hires to encompass information about Chernââ¬â¢s through a staggered approach, learning in increments instead of obtaining information all at once causing an overload. By learning in increments new hires will retain that information. Socialization activities can be performed through steps allowing new hires to interact with co-workers, supervisors, managers, and HR personal who are familiar with the company. Socialization can be in person as well as via online and classroom settings. Individual Programs gives new hires the flexibility of socializing in a one-on one setting with a mentor or an apprenticeship. By using a mentor or apprenticeship each new hire can learn what is required, their expectations, and job performance rapidly. They experience on the job training through hands on experience and tend to socialize and learn more easily. Formal Socialization Programs- will give new hires the opportunity to socialize with other entities outside of the company, an example would be a seminar where they can interact with other individuals on a professional level and learn new and innovating techniques, procedures and designed activities and materials. This process increase employees job satisfaction and reduce turnover. This gives new hires a chance to be proactive, ask questions, build relationships with others in the rganization and seek feedback while increasing job satisfaction and commitment. Sequential programsallow new hires to follows a range of steps such as step 1ââ¬âlearning about the company. Step 2 ââ¬âlearn policy and procedures. Step 3ââ¬âlearn about the job and its requirements and. Step 4 perform well a so on. Each step leads to opportunities and possible promotions. Fixed Socialization Programs gives new hires information about their probationary status (how long) and their performance statu s with their job. Serial Socialization incorporate new hires with mentors, these mentors guide the new hires through the steps needed to become successful on the job and serve as role models to the new hires. Each new hire will be expected to follow in their mentors footsteps. Investiture Programs- will give each new hire the chance to reaffirm their confidence in them selves and their job performances. This process allows supervisors, managers and in some cases senior management to evaluate the knowledge, skills, and characteristics of the new hires. Investitures programs also evaluates what new hires can do in terms of helping the company move forward and make money from their new innovating ideals (Phillips Gully, 2009). By making these recommendation Chernââ¬â¢s will continue to give its customers the service that lies at the heart of the company. Chernââ¬â¢s strategy can empower its new hires to excel in the company, while upholding its reputation for customer service, quality and selection. These recommendations will continue to give Chernââ¬â¢s a core value that is essential to its branding and culture, while contributing to its customers and building a long term relationship through shared value and customer care. Retention Plan A retention plan for Chernââ¬â¢s top performers is to create an environment, work style and management team that promotes, teamwork, cooperation and retention, which leads to successful delivery of products, customer services and values. Ultimately enriching the company, customers and workers. In order to retain its top performers Chernââ¬â¢s can initiate plans to keep top performers happy by offering great rewards that will be hard to resist. Generally the reason people stay with a company is often the same reason they became attractive in the first place. Implementing the following retention plan will keep Chernââ¬â¢s top performers with the company and reduce a need to hire new people. â⬠¢ provide initiatives to establish and maintain the companyââ¬â¢s goals. â⬠¢ establish open communication between management, customers and staff. develop a working environment that encourages professional growth. â⬠¢ match employees with challenging assignments that will lead to professional and career growth. â⬠¢ create a climate of respect, fairness and trust with supervisors and customers. â⬠¢ give employees work flexibility so that they can balance their work and life demands. â⬠¢ provide competitive wages and benefits that are fair, introduce fitness and child care centers. â⬠¢ give top performers bonuses when goals are meet, such as monetary, vacations or extra sick days. create a strong corporate culture for employees that they find attractive such as a mission Statement that appeals to customers and workers. This can help retain employees with the same or similar values. â⬠¢ providing employees with support can also help retain employees, by monitoring their work load, managers can determine if they have the necessary tools to perform their jobs. Using these strategies will institute to recruit, retain and develop top performers.
Wednesday, January 22, 2020
bar flies Essay -- essays research papers
Bar Flies à à à à à When you go to the bar it seems there are always people hanging around much like flies hang around a barn. The people that frequent bars are from many different backgrounds. They are there for a variety of reasons. Some are there to have a burger with friends. Others are spending their time drowning their sorrows with a few drinks. People who frequent bars can be classified into three groups; lifers, regulars, and those who are there to socialize. à à à à à The first category of bar flies is the lifers. The lifers are the people that always seem to be at the bar. Lifers spend five to seven nights of the week in the bar. They are not always drinking beer or alcohol often they are drinking coffee and talking with the bar tender. Th...
Tuesday, January 14, 2020
Theories of Political Behavior and Tight Job Market
Case incident -2 Question and Answer Q1. What factors in addition to those cited, do you believe lead to illegitimate political behavior such as backstabbing? Answer:- The factors that will lead to illegitimate political behavior such as backstabbing are:- * competition * A tight job market is often a contributing factor. * Blind ambition. * Interpersonal relationship * Promotion opportunities. * Expectation of success. Q2. Imagine that a colleague is engaging in illegitimate political behavior toward you.What step might you take to reduce or eliminate this behavior? Answer:-The steps I will take to reduce or eliminate illegitimate political behavior of a colleague ate:- * Keep watching or know the thing happening in the surrounding environment. * If I observe that illegitimate political behaviour of a colleague may harm to me. I will make it clear to superior or pear in order to prevent future misunderstanding is not good to you as well as the organisation. Ask to the colleague is t he any conflict of odd among us what is the reason behind this kind of behaviour in order to minimise the gap. * Make the environment fruitful to all colleagues and superior, subordinate and also that of the organisation. * Employees in the organisation need to be aware of illegitimate political behaviour. * Companies may need to adopt formal policies to safe guard the employees against such behaviour. Q3. Do you believe that it is ever justifiable to engage in illegitimate political behaviors such as backstabbing?If so, what are some conditions that might justify such behavior? Answer;- No, it is not ever justifiable to engage illegitimate political behavior such as backstabbing, some conditions that might justify such behavior are:- * To sage guard against backstabbing, a management consultant recommends telling supervisor and other key Personnel that the backstabber is not friend * It is cleat that employees in organisation need to be aware of illegitimate political behaviour. * Companies may need to adopt formal policies to safe guard employees against such ehaviour. * The behaviour such as backstabbing and spread negative rumours are difficult to defect. Thus both employees and managers should try to verify information to avoid the negative repercussions that can come from backstabbing and other illegitimate behaviour. Q4. In addition to the obvious negative effect of illegitimate political behavior on victims , such as these described in the above case , what might be some negative effects on the perpetrators? On the organization as a whole?Answer:-The negative effects on the perpetrators of the negative effect of illegitimate political behavior on victims are:- The working environment of the organization is unhealthy Always there is a situation of conflict or grievances This may lead to the decrease in the profitability of the organization. Employees are unsatisfied with the job They are generally not committed to job for the organization. Real hard wor king and productive and efficient employee were de-motivated and leave the organization.
Monday, January 6, 2020
The Death Penalty Should Be Abolished Essay - 1630 Words
Capital Punishment has been around for centuries, however, they have been far worse than they are now. Before people who commit the littlest of crime were put to death in very inhumane ways. Many countries over the years abolished capital punishment, however, the United States is very well known for still not abolishing the death penalty. During American history, there have been rates of high and low executions, and states have dealt with it, their own ways. Most states have abolished it right after the First World War, others after the civil war. The arguments against the death penalty include the execution innocent lives, inhumane punishment, morally in just, and high expenses. Each of these factors leads up explaining to why capital punishment also known as the death penalty, should be abolished. There have been cases that prove how one can change, when imprisoned and how many prisoners were being falsely executed years after their death. There are situations that we, the people, will never be able to take back and that s an innocent life. More, it s biblically proven that even God forgives and humanely punishes his people and servants. Men in the bible are examples that demonstrate that everyone is human and everyone sins, even the godliest men like Moses and Cain that have committed murder. Even though God knows what they have done, he doesn t punish them with death but in moral ways. Although there may be many arguments against the death penalty, there areShow MoreRelatedThe Death Penalty Should Be Abolished1192 Words à |à 5 PagesNo Death Penalty Capital crime is something that is meant for people that are found guilty of committing a serious crime, such as murder, rape, or theft. These are offences that should not be taken lightly but by killing the offender, the government is carrying about the action that they are trying to prevent. Also, the wrong person may be sentenced to death. After this person is executed, there is obviously nothing that can be done for the terrible mistake to be reversed. The death penalty shouldRead MoreShould The Death Penalty Be Abolished?. The Death Penalty982 Words à |à 4 PagesShould the death penalty be abolished? The death penalty is a ââ¬Å"term that applies to capital punishment and is the worst penalty given for committing a murder or an atrocious assault.â⬠(Black s Law Dictionary). Death penalty has been a part of human society and is legally approved for centuries. The first established death penalty laws date as far back as the Eighteenth Century B.C. in the Code of King Hammaurabi of Babylon, which codified the death penalty for 25 different crimes. Death sentencesRead MoreShould The Death Penalty Be Abolished?1925 Words à |à 8 Pages Abstract This paper explores five published articles that report on discussion on the very old and yet to answer question of whether the death penalty in the USA should be abolished? The articles, however, vary in their stand on death penalty. In all article it is very different on publisher stand. They discuss thing argument with their own way and vision of thinking. Adina Nicoleta (2011) has raised question for fair trial on the proceeding of the criminal cases. In other article Maestro MarcelloRead MoreThe Death Penalty Should Be Abolished1534 Words à |à 7 PagesIntro The death penalty gives humans in our legal system rights to decide who deserves to live, a power only God should possess. Capital Punishment takes away our rights as equals. From its origins, the death penalty has been an inhumane, costly, ineffective, and biased form of punishment that needs to be abolished granting everyone their right to live. History of the Death Penalty Down through history, the death penalty has been adapted to be justifiable in the eyes of the people. By alteringRead MoreThe Death Penalty Should Be Abolished1523 Words à |à 7 Pagescriminals has been performed by nearly every society to date. The death penalty came to the Americas when European settlers brought the idea of capitol punishment from Britain. The ideology behind taking someoneââ¬â¢s life for crimes they have committed is a simple one. If a person commits a hennas crime such as murder or rape, they shall receive the death penalty. In more recent times we now see many countries abolishing the death penalty. The trend suggests that the capitol punishment policies still implementedRead MoreThe Death Penalty Should Be Abolished1306 Words à |à 6 Pageschanged since the 17th century, so why not the age old penalty of death? Capital punishment in the United States is a highly debated topic. Arguments that want to get rid of this method of punishment usually mention th e many problems that capital punishment is plagued with. The death penalty has many issues that cannot be resolved, and since these issues canââ¬â¢t be solved, the death penalty should be abolished. ââ¬Å"The irrevocable nature of the death penalty renders it an unsustainable and indefensible remedyRead MoreThe Death Penalty Should Be Abolished1440 Words à |à 6 PagesThe death penalty is a very controversial topic in the United States. It is implemented for the purpose of providing safety to the community and bringing justice to victims and their families. The death penalty is legal in thirty-one states (ââ¬Å"31 Statesâ⬠), and there are over forty different types of federal capital crimes that are eligible for the death penalty. These include crimes such as treason and kidnapping that results in murder (ââ¬Å"41 Federalâ⬠). However, many argue whether the death penalty isRead MoreThe Death Penalty Should Be Abolished968 Words à |à 4 PagesEvery year, thousands of lives are legally taken under the death penalty. Why should we take more lives than the ones that have already been taken? The death penalty is the punishment of execution, carried out legally against an individual convicted of a capital crime. Its proponents argue that the death penalty deters other criminals who may intend to commit similar crimes in the future. However, there is little statistical evidence to support this claim. Also, execution eliminates the criminalRead MoreShould The Death Penalty Be Abolished?1350 Words à |à 6 PagesShould the death penalty be abolished? The death penalty, also known as capital punishment is a legal procedure in which a state executes a person for crimes he/she has committed. This punishment has been used by many states, and is normally used for serious crimes, especially murder. It is also used on crimes against the state such as treason, crimes against humanity, espionage, and violent crimes while other states use it as part of military justice. There are mixed reactions on capital punishmentRead MoreShould The Death Penalty Be Abolished?1443 Words à |à 6 Pages 6 Should the Death Penalty Be Abolished in the United States? Adalynne Francis CRJU 1000 Dr. Huss November 14, 14 Should capital punishment/ death penalty be abolished in the United States? Many feel that the death penalty is immoral and question whether the state and federal government deserve the right to kill those whom it has imprisoned. On the other hand, those opposed feel that by not acting upon the death penalty communities would plunge in anarchy and that by
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