Thursday, January 30, 2020

Part IV, Current Procedural Terminology Essay Example for Free

Part IV, Current Procedural Terminology Essay This chapter provides an overview of the CPT Surgery section and covers its guidelines. The chapter also focuses on the CPT Surgery General and Integumentary System subsections. Lesson Objective Define key terms. Explain the organization, format, and content of the CPT Surgery section. Interpret CPT surgery section guidelines and modifiers. Interpret CPT surgery coding notes for the General and Integumentary System subsections. Assign CPT surgery codes from the General and Integumentary System subsections. Add CPT and/or HCPCS level II modifiers to codes as appropriate. Surgery Section Organization The Surgery section is the largest section in CPT and its subsections are organized anatomically. Selecting the appropriate surgery code requires a careful review of the patient record to determine the procedures and services provided. The basic organization of the Surgery section is by major body system, with headings and subheadings based on anatomic site and/or type of procedure. The CPT Surgical Package Definition See pages 481-482 of the 3-2-1 Code It! text; What services are always included? Read the Surgery Guidelines at the beginning of the Surgery Section in the CPT code book. Surgical Modifiers If services are provided by more than one physician, what modifiers do you use? When do you use them? Read about unusual services and treatments. What is the modifier to show unusual services? When do you use it? Find the modifier for a separate procedure. What is the definition of separate procedure? What modifier would you use to show a distinct procedural service? Integumentary System Integumentary procedures include incision, biopsy removal, paring/curettement, shaving, destruction, excision, repair, adjacent tissue rearrangements, grafts, flaps, and specialized services. Refer to the definitions of surgical terms in the textbook.

Biologically Important Molecules Introduction Essay Example for Free

Biologically Important Molecules Introduction Essay Organic compounds found in organisms include: carbohydrates, proteins, lipids, and nucleic acids. Each play an integral part in biological systems, for instance, carbohydrates are the main source of fuel for organisms. Proteins contribute to the structure of organisms, lipids make up membranes of cells, and nucleic acids make up DNA and RNA for carrying the genetic code. Scientists have established different ways to indicate presence of these compounds, one way is to test for these various compounds via solution tests. Scientists have established terms for evaluation. The terms include positive and negative control. Positive control contains the variable for which the test will react positively. A negative control on the other hand does not contain the variable and thus will result in a negative result. Solutions which contain the variable or compounds which react with the tests will produce a positive control; otherwise a negative control will result. Materials and Methods An experiment was carried out to test the presence of certain organic compounds found in various solutions. The Benedict’s test is to test for reducing sugars, Iodine test tests for starch, Biuret test tests for proteins, specifically peptide bonds between amino acids, lastly Sudan IV tests for lipids. Ten drops of various solutions including: onion juice, potato juice, sucrose solution, glucose solution, distilled water, reducing-sugar solution, and starch solution where each tested by Benedicts and Iodine tests respectively. For the Benedicts test, each test tube containing the solution and 2mL of Benedict’s solution were each placed in a hot water-bath for three minutes then examined for color change. The Iodine test was not however placed in the water-bath. For the Biuret test, solutions that were tested for include 2mL of each: egg albumin, honey, amino acid solution, distilled water, and protein solution. The Sudan IV test was carried out for the following 1mL solutions: oil with water, oil, honey, distilled water, and a known lipid solution. Lastly an experiment for polarity was also conducted which consisted of oil mixed with distilled water and acetone respectively. As the reaction proceeded for each experiment color was recorded and that indicated either a positive or negative control for each solution.

Wednesday, January 22, 2020

Frank Lloyd Wright Essay examples -- Essays Papers

Frank Lloyd Wright â€Å".......having a good start not only do I fully intend to be the greatest architect who has yet lived, but fully intend to be the greatest architect who will ever live. Yes, I intend to be the greatest architect of all time.† - Frank Lloyd Wright 1867-1959 CHILDHOOD Born in Richland Center, in southwestern Wisconsin, on June 8, 1867 (sometimes reported as 1869), Frank Lincoln Wright, who changed his own middle name to Lloyd, was raised under the influence of a Welsh heritage. The Lloyd-Jones family, his mother’s side of the family, had a great influence on Wright throughout his life. The family was Unitarian in faith and lived close to each other. Major emphasis within the Lloyd-Jones family included education, religion, and nature. Wright’s family spent many evenings listening to William Lincoln Wright read the works of Emerson, Thoreau, and Blake. His aunts Nell and Jane opened a school of their own, pressing the philosophies of the German educator, Froebel. Wright was brought up in a comfortable, but certainly not warm household. His father, William Carey Wright, who worked as a preacher and a musician, moved from job to another, dragging his family across the United States. Possibly as a result of this upheaval, Wrightâ€℠¢s parents divorced when while he was still young. His mother, Anna, relied heavily upon her many brothers, sisters and uncles, and Wright was intellectually guided by his aunts and his mother. Before Wright was even born, his mother had decided that her son was gong to be a great architect. Using Froebel’s geometric blocks to entertain and educate her son, Mrs. Wright must have struck the genius that her son possessed. Use of imagination was encouraged and Wright was given free run of the playroom filled with paste, paper, and cardboard. On the door were the words, SANCTUM SANCTORUM (Latin for place of inviolable privacy). Wright was seen as a dreamy and sensitive child, and cases of him running away while working on the farmlands with his uncles were noted. This pattern of running away from one thing or another continued throughout his lifetime. WRIGHT’S FIRST BREAK In 1887, at the age of twenty, Frank Lloyd Wright moved to Chicago. During the late nineteenth century, Chicago was a booming, crazy place. With an education in engineering from the University of Wisconsin, Wright found a job as a d... .../snail shell design that seems to grow out of the ground in the heart of New York City. The huge skylight provides light for the entire museum. The design allows people to see the art in a continuous manner. Visitors are intended to take an elevator to the top and walk all the way down, viewing all the exhibits as they descend. Today, after an exhaustive competition, a second building is attached to the museum, providing even more display space. The winning design is a simple, thin tower that is designed not to distract from the beautiful spiral. In true Wright fashion, the architect stated that he did not want to disturb nature, giving the museum its own place in the environment. Wright never retired; he died on April 9, 1959 at the age of ninety-two in Arizona. He was interred at the graveyard at Unity Chapel (which was considered to be his first building) at Taliesin in Wisconsin. In 1985, Olgivanna Wright passed away and one of her wishes was to have Frank Lloyd Wright’s remains cremated and the ashes put next to hers at Taliesin West. After much controversy, this was done. The epitaph at his Wisconsin grave site reads: â€Å"Love of an idea is the love of God.†

Computers Evolvement in Education :: Technology in Education Essays

Computers Evolvement in Education Picture rows of students all of different ages, having different knowledge and scholastic aptitudes, all in one classroomà ¤with one teacher. This is the late 1700s when the teacher was the sole manager and source of knowledge in the classroom. Not until two hundred years later in 1951 did the slightest bit of outside technology enter the classroom when the television was first used as a classroom instructional aid. In the middle of the Cold War, President Eisenhower passed the National Defense Education Act of 1958, bringing more money into the countryÏ€s schools to purchase new technology such as mainframe host computers. The problem was that many school systems were stuck to their ways, and insisting on continuing use of the 1700s-style instructional teaching method. President Kennedy further supported technological advances with his 1963 Vocational Education Act. Teachers and schools again rejected technology, refusing to include the expensive mainframe and minicomputers into their lesson plans. It is surprising that computers ever got as far in education as are they are now. Two years later, in 1965, the Elementary and Secondary Education Act was born, giving public schools enough money to put the computers in all schools, but unfortunately, not in the classrooms. Computers were used primarily in administration and counseling offices at that point, not addressing the studentsÏ€ instructional needs. President Richard Nixon decelerated the countryÏ€s advances for technology in the classroom. During his presidency numerous programs designed to give more money to the nationÏ€s schools were cancelled. Host computers at this time were also rejected in the school systems, as they were seen to be unnecessary classroom components. After all, what more information do students need besides that given to them by their teacher? In 1975, about six years later, some schools across the nation finally were beginning to use mainframe and minicomputers, rejecting personal computers (PCs), which were steadily increasing in use and popularity outside the classroom. Apple Computer Company even donated Apple I PCs to schools that year in efforts to market PCs to primary schools.

Tuesday, January 14, 2020

Product Lines of Metlife Alico

Abstract Products can be tangible or intangible, physical or logical. Insurance services are logical and considered as intangible product in marketing. Presently it is a familiar term in our day to day life. Many different insurance companies provide different types of insurance services. In western countries adopting insurance services are mandatory. In Bangladesh Insurance services are also getting popular day by day. MetLife Alico is one of the leading insurance companies in Bangladesh. It is well organized and has a wide range of product line.Here the details of the product lines of MetLife Alico will be presented in brief. Firstly, the product concept of marketing will be described. Secondly, insurance services will be introduced as a product. Thirdly, MetLife Alico and its history in Bangladesh will be discussed in brief. Fourthly, the product lines of MetLife Alico will be presented and their features will be discussed. Next, different value added service of the organization t owards its customers will be described. Finally, the report will be critically analyzed and some recommendations to increase acceptability of the report will be proposed.At last a, brief discussion on the product lines of MetLife Alico will be presented. Introduction Product is a good, service, or idea consisting of a bundle of tangible and intangible attributes that satisfies consumers and is received in exchange of money or some other unit of value. The organizations that are production-oriented look at a product basically as a manifestation of resources used to produce it and the organizations that are marketing oriented view a product from the target consumer’s perspective as a bundle of benefits by benefits i. e. functional as well as  emotional benefits.Accordingly they will have to see how their consumers view their products. There is no need to prepare a marketing mix for a product that offers few consumers benefits, because that product will not sell. If we conside r the product from the target customer’s perspective, like the cosmetic companies are combining chemicals to make lipsticks, vitamin manufacturers produce little pills; watch makers produce mechanical devices that keep time. -What marketers are doing is they are basically enhancing their products for their target markets-as lipstick has becomes beauty and hope, vitamins become hope or a healthier life and watches become status symbols. So we can say that, a product therefore is a bundle of physical or logical, tangible or intangible attributes that have the potential to satisfy present and potential customer wants. In addition to the physical goods themselves, other elements include the warranty, installation, after sales service accessories and package. For example a product with warranty and the same product without warranty are not same. Products that are intangible are exchanged directly from producer to user, they cannot be transported or stored, and are almost instantly perishable.These products are called services. Service products are often difficult to identify, because they come into existence at the same time they are bought and consumed. The American Marketing Association defines services as – â€Å"Activities, benefits and satisfactions which are offered for sale or are provided in connection with the sale of goods. † Some common examples of service that are considered as product are services of a lawyer, Service of a beautician, banking services etc. Insurance services can also be considered as an intangible product.Insurance service as a product Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange of payment. It is a form of risk-management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of mon ey to be charged for a certain amount of insurance coverage is called the premium.The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. An Insurance service is also an intangible product because nothing is actually produced and there is no tangible item being exchanged.The policy, policy booklet, etc. is a contract and terms of the contract, however that is not bought. However with an insurance contract no tangible good is exchanged for the consideration (i. e. premium). What is being exchanged for the consideration is an agreement that the insurance company will indemnify you in accordance with the terms of the contract. Moreover insuranc e services are demandable and have market values. So, it is a product. There are wide ranges of insurance services, they are offered at different conditions and in different packages.A single insurance provider often offers different types packages and also different types of services. For example, MetLife Alico offers total four types of packages in insurance schemes with different types of products in each scheme. Terms and conditions vary from packages to packages and products to products. These services are designed targeting different types of customers. Overview of MetLife Alico MetLife Alico is an affiliate of MetLife, Inc. , a leading global provider of insurance and employee benefit programs. Through its subsidiaries and affiliates, MetLife serves more than 90 million customers around the world.It provides a full range of Life, Accident and Health insurance products for customers ranging from individuals to large local and multinational corporations. Individual, group, and credit protection products help its customers recover from financial loss due to death, disability, accident, sickness, and loss of employment. Also, individual savings and group pension products help its customers save for education, retirement, or other financial goals. Its products are available through agents, brokers, financial institutions and direct to customer. In addition to, being the largest life insurer in the U.S. and Mexico, MetLife is now a leading competitor in Japan holding advantageous positions in Europe, and is in top-five position in many high-growth markets of Central and Eastern Europe, the Middle East and Latin America. MetLife Alico has been helping people and businesses in Bangladesh with their insurance needs since 1952. It have tailored extensive product offering to the unique needs of individuals, families and businesses of all sizes. Presently, it is one of the leading insurance companies in the country, with close to 1,000,000 insured members and over 12,000 agents.The main products of MetLife Alico in Bangladesh are life insurance, saving and retirement plans and accidents and health insurance for individuals and employee benefits, credit life insurance and insurance for non-employees for corporations. In these six categories MetLife supports many services of different terms and durations. Product lines of MetLife Alico Figure 1 : Different services of MetLife Alico. From the figure it is clear that MetLife Alico supports total six types of Insurance services in Bangladesh. It supports three types of solution in each of the individual and corporate solution category.The services offered by the company are Life insurance, Savings ; Retirement insurance plan, Accident ; Health Insurance, Employee Benefits, Credit Life Insurance, and Insurance for Non-Employees. For convenience only individual solutions will be discussed. A brief overview of the Individual services is provided in the next topic. Different schemes and their features The services of MetLife Alico will be discussed in two major categories, Individual solutions and corporate solutions. Individual solutions are services that are designed to meet individual needs.The individual services are designed to meet different types of insurance needs of individuals. Individual plans consists life insurance plan, savings ; retirement plans popularly known as DPS schemes and accident ; health insurance plans. Life insurance Life insurance can take care of family and help them maintain their standard of living if something odd happen to the insured. Apart from taking care of outstanding loans or mortgages, it can also protect children's education or provide monetary benefits to family members. There are two types of life insurance Education Protection Plan (EPP) Plus and Three Payment Plan (3PP) Plus.Education Protection Plan (EPP) Plus The cost of a good education is rising high, and has risen at an alarming rate in recent years. To secure the best possible e ducation for children’s, individuals need to plan ahead. Education Protection Plan is specifically designed to help and can give the reassurance right preparations for children’s future. If some awkward situations occur, insured family members suffers from financial crisis, this plan protects them from financial problems also. The main features of Education Protection Plan (EPP) Plus are: * A flexible plan with terms ranging from 10 to 25 years On maturity, insured persons child will receive the full face amount along with the bonus * In case of insured’s sudden death, the plan protects his child's financial future by paying out a monthly sum of 1% of the face amount every month for child’s education till the maturity of the policy. The policy also provides for a waiver of all future premiums in order to keep the policy active and in-force. * Insured can choose to add a disability protection rider to this plan which will protect in the event of a disabili ty due to sickness or accident. Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). * This EPP Plus plan also provides a personal accident coverage that ensures the financial future of insured loved ones in case of his death, disability or injury due to an accident. Three Payment Plan (3PP) Plus The Three Payment Plan is an innovative policy that provides the ultimate solution in financial planning giving both the protection insured need and the regular payouts he want to meet his financial needs. It has all the security of a life insurance plan and the flexibility of a savings policy.The main features of Three Payment Plan (3PP) Plus are: * This Plan is available for varying terms. * 25% of the face amount is paid at the end of 1/3rd of the term and another 25% at the end of 2/3rd of the term. * The remaining 50% of the face amount is paid along with a bonus at maturity. * In the unfortunate event of the death of th e policy holder, at any time during the term of the policy, their loved ones will receive the entire face amount along with the bonuses – NO DEDUCTION is made for the partial maturity amounts already paid. Loans up to a maximum of 85% of cash value are available, if required. * Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). * The 3PP Plus also provides Personal Accident Coverage in case of insured’s death, disability or injury due to accident. Savings ; Retirement Savings and retirement plans are for saving for future and creating a source of income to be available in future. There are three different plans in this category. Income growth Plan, DPS super and lifeline pension plan.The details of the plans are described below: Income Growth Plan The main features of Income Growth Plan are: * A unique plan that combines protection and savings * Offers a maximum premium payment term of up to 30 years t hereby giving the flexibility of choosing small payments to suit your budgetary needs * The plan is split into 2 phases. The first phase is for a period of 7 years and then the second phase starts (from the 8th year) and includes the rest of the term. * During the first 7 years savings is accumulated and grown and at the end of the 7th year a dividend is declared.This dividend could be up to 40% of the cash value of the plan. * In the second phase, the cash value and dividend are transferred to the Investment ; Protection Account (IPA) * From the 8th year onwards, the policy offers a range of flexible options such as changes to the amount of premium, insurance coverage, etc, subject to the policy terms and conditions. * Maturity Benefits: On maturity, the policy owner can either withdraw the account (IPA) value; or convert it into a life time pension. Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules) * Income Growth also provides Personal Accident Coverage in case of your death, disability or injury DPS Super As a sensible and responsible individual, one must be looking for the best possible avenues to grow his hard-earned money. An ideal financial plan for him may be the one that accumulates his money with reasonable returns as well as provides protection to him ; his family against uncertainties. One such a plan is MetLife Alico’s DPS Super offer.MetLife Alico’s DPS Super is a savings and protection plan that provides an attractive Maturity Value and a substantial Accidental Benefit. There are total three types of services in this category. They are: Plan| Features| DPS Super – Gold| Maturity Value + Life Coverage + Accident Coverage + Critical Illness ; Waiver of Premium Benefits| DPS Super – Silver| Maturity Value + Life Coverage + Accident Coverage| DPS Super – Bronze| Maturity Value + Accident Coverage| Table 1: MetLife Alico DPS plans. The terms and co nditions of the plans are given below: DPS Super – Gold Plan Attractive Maturity Value to meet financial planning needs. * Life Insurance coverage equivalent to policy Face Amount. * Double Benefit due to Accidental Death (AD) and Accidental Permanent ; Total Disability (PTD); consequently a total coverage of 3 times the Face Amount in case of AD. In case of Accidental Dismemberment the additional Accidental Benefit may reach up to 2 times the Face Amount depending on the type and extent of Loss * Lump Sum payment equal to 100% or 50% of the Face Amount in case of diagnosis of 8 Critical Illnesses * Waiver of Premium in case of Permanent Total Disability due to Accident or Sickness.DPS Super – Silver Plan * Attractive Maturity Value to meet ones financial planning needs. * Life Insurance coverage equivalent to policy Face Amount. * Double Benefit due to Accidental Death (AD) and Accidental Permanent ; Total Disability (PTD); consequently a total coverage of 3 times the Face Amount in case of AD. In case of Accidental Dismemberment the additional Accidental Benefit may reach up to 2 times the Face Amount depending on the type and extent of loss. DPS Super – Bronze Plan * Attractive Maturity Value to meet ones financial planning needs. Death Benefit equal to account value or premiums paid for the basic policy whichever is higher. * Accidental benefit under which 2 times the Face Amount (Face Amount is defined as the DPS Super annual premium times the policy term) will be paid in the event of accidental death, or accidental permanent ; total disability (PTD). In case of accidental dismemberment the additional accidental benefits may reach up to 2 times the face amount depending on the type and extent of loss. Lifeline Pension PlanLifeline Pension Plan is an opportunity to earn in the post job life after retirement. In life line pension scheme one saves during employment and earns after retirements. The main features of the product are: * It o ffers you a combination of savings and protection. * One can choose a plan that has a payment term ranging between 10 and 20 years. * It have the facility to withdraw the face amount along with any accumulated bonuses any time after the end of the premium payment period. * One can start receiving the pension payment, 1 year after the completion of the premium payment period. One can choose to postpone this pension payment and leave the annual income with MetLife Alico to accumulate further. * This annual pension payment will continue up to the age of 100. * It offer a minimum guaranteed return of 4% with the option to receive an excess form the year of investment performed. * In the unfortunate event of insured’s death, his loved ones will receive the full face amount plus accrued bonuses. * Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). This plan also provides a personal accident coverage that ensures th e financial future of loved ones in case of insured’s death, disability or injury due to accident. Accident ; Health Insurance Solutions MetLife’s accident and health insurance products secure its clients in case of unusual health hazards and accidental cases. There are total eight types of Accidental and Health Insurance solutions available in this category. The features and details of the services are given below. Critical Care No one likes to thinks about serious illness, but it is always a possibility.For example estimation shows that 1 in 8 people aged 30 today will contract cancer before age 65. The Critical Care is the convenient and affordable critical illness protection plan that is specially designed to protect insured and his family in the event of any health crisis that may strike any of us, any time, anywhere. Critical Care can make sure getting the medical help one need. What’s more, the policy can help replace insured income if he is unable to wor k, so the bills are still paid and insured’s loved ones are looked after. The terms and conditions of the plan are given below: Critical Care will provide insured with lump sum payment of up to BDT 500,000 which is payable upon diagnosis and receipt of proof for one critical illness only. * Critical Care supplements ones life insurance protection. * MetLife offer several plans and anyone can select the plan of his choice for him. * The critical illness lump sum payment will be made only after diagnostics and proved with any of the 25 illnesses listed. * There is no deductible amount. Hospital Care Being admitted in a hospital is stressful enough without the added worry of the expenses.Traditional insurance products may not cover all the additional expenses that one will incur or the loss of income may be suffered if one is hospitalized. Hospital Care supplementary policy can give the added finances to cover whatever one feel is important so that he can concentrate on getting well. It pays the cash amount that insured have selected when he or his insured family members are hospitalized, even in a free hospital. The cash income starts from the very first day of hospitalization and continues for up to 52 weeks for each confinement. The product terms and conditions are given below: The Hospital Care supplements insured life insurance protection * These benefits are payable in addition to any other insurance plan that one may have. * One can select the plan that best suits his needs and the needs of his family from the range offered. * The Daily Cash income continues for up to 52 weeks from the very first day of hospitalization. * The Cash Income is paid directly to insured, to use any way he wishes. * The Cash income is payable regardless of expenses, even if treatment is confined in a free hospital. * There is no deductible amount or waiting period.Lifetime Income Policy If anybody wants absolute security in case he is no longer capable or able to handle t he daily responsibilities of his family due to a sudden accident, Lifetime Income policy is for him. It is a protection plan that provides a cheque-a-month for lifetime of his spouse, his children or even himself, with a guaranteed minimum of 240 monthly benefit cheques. Lifetime Income Policy is a unique plan that provides cheques month after month, year after year to meet insured family expenses. With the same reliability one provide to his family.The details terms and conditions of the product are given below: * This is a dedicated accident insurance product specially tailored for the Bangladesh market where the rate of road traffic accident is one of the highest in the world. * It offers coverage for accidental loss of life, permanent partial disability due to accident, and permanent total disability due to accident * Several units are available under this policy and one can pick the number of units that suits him the best. * No health questionnaire or medical examination requir ed. * This plan provides you with 24 hour, 365 days a year worldwide coverage. The premiums that are paid are income tax deductible (subject to prevailing tax laws ; rules). * 20% of the Premium paid will be refunded as a ‘No Claim Bonus' after 3 years, provided that no claim has been made. Circles of Protection With Circles of Protection one can build the ideal protection for him from a range of options; he just choose the ones that are appeared right to him.. The details of the terms and conditions are given below: * Circle 1 offers protection against accidental death, permanent total and partial disability, Double indemnity-common carrier ; flying with guaranteed cash payments to himself or his loved ones. Circle 2 offers a weekly accident indemnity income for up to two years, replacing lost income due to disability as a result of an accident. This option is only available if you take out Circle 1. * Circle 3 offers accident medical expense reimbursement – total prot ection for reasonable accident medical expenses in and out of hospital. Only available if one takes out Circle 1. * Circle 4 offers Hospital Health Care which provides income for insured and his family if he stay in hospital due to accident or sickness. Circle 5 offers a monthly income for Lifetime with a guaranteed minimum of 240 monthly benefits for covering expenses like food ; clothing, rent, school ; university fee, medical ; health, mortgage ; taxes etc. Minimum monthly income: BDT 3,000 Maximum monthly income: BDT 20,000 My Child Special, Good Health Special, Executive 5 Special and Medi-Guard these four services are still unavailable in Bangladesh and will be made available soon. Other features of MetLife Alico Apart from the above mentioned individual insurance offers MetLife Alico provides some value added services also.In this offers MetLife offers a free health card that offers 15% off on physical diagnostics of the insured and his family members at permitted hospitals a nd diagnostics centers. In addition to the health card the company provides a dedicated customer care officer for each client who deals will all insurance related problems and query of the clients. The monthly payment can be made by auto debit system to reduce effort from clients end. Moreover the websites of the company provides a satisfactory description to its services and provides easier contact with its scustomer care officers.Limitations of the Report The report is prepared extensively based on information provided at the company websites and at other web resources. Customer’s opinions are not taken into account during preparation of the report. If customer’s opinions and their feedbacks are added to the report it will be more reliable and authentic. Some customer relation officers can also be interviewed to enhance the report. If some case study and more present statistics are added to the report it will be more accurate. ConclusionsInsurance services are gettin g popular all over the world day by day. It is a logical service related to risk-management. The main policy is saving user’s money for future to resolve accidental crisis. However people in our country are not aware about the policies of the available companies. Necessary campaigns are necessary to make the insurance services popular. Moreover most of the peoples in our country live below the poverty lines, so insurance companies should make easier terms and policies suitable to the poor peoples of the country.But it is ironically true that most of the insurance companies are targeting only the corporate peoples. The insurance companies should change their values to make their services more users friendly rather then treating it as a profitable product only. It is desired that MetLife will design their new services considering these facts. Appendix Appendix A: Personal Accident Coverage If one is qualified for accident coverage, this plan also provides the following addition al benefits in case of his death, disability or injury due to accident within the premium paying period.The Personal Accident Coverage provides a maximum cover of Tk. 20,00,000 and the proportionate amounts are mentioned below: A. ACCIDENTAL DEATH BENEFIT| : 100% of FA  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  | B. PERMANENT TOTAL DISABILITY BENEFIT| : 100% of FA| C. PERMANENT PARTIAL DISABILITY for the following losses:|   | †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Both Hands or Feet or Sights of eyes| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   One Hand   and One Foot| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Either Hand / Foot and Sight of One Eye| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Hearing of Both Ears| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Speech  | : 100% of FA|   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Either Hand or Foot| :   50% of FA  | †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Sight of one Eye| :   50% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Thumb and Index fingers| :   25% of FA| D. MEDICAL EXPENSES REIMBURSEMENT| Max of :   15% of FA| Appendix B: Critical Care Insurance packages and benefits Appendix C: Diseases covered under critical care 1. Stroke 2. Cancer (Except Skin Cancer) 3. First Heart Attack 4. Coronary Artery Surgery 5. Other Serious Coronary Artery Diseases 6. Heart Valve Replacement 7. Major Burns 8. Blindness 9. Pulmonary Arterial Hypertension (Primary) 10.End-stage Lung Disease 11. Kidney Failure 12. Surgery To Aorta 13. Aplastic Anemia 14. Major Organ Transplant 15. Loss Of Hearing 16. Loss Of Speech 17. Muscular Dystrophy 18. Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders 19. Motor Neuron Disease 20. Parkinson’s Disease 21. Coma 22. Benign Brain Tumor 23. Major Head Trauma 24. Bacterial Meningitis 25. Paralysis| Appendix D: Hospital Care packages and benefits Appendix E: Diseases covered under Hospital care packageThe 9 dreadful diseases covered under hospital care packages are:    * Heart Attack   Ã‚   * Cancer (Except Skin Cancer) * Coronary Artery Disease * Stroke * Renal Failure * Blindness due to Sickness * Paralysis * Major Burns * Major Organ Transplantation| References Information and different data are collected from the following sources: * http://www. metlifealico. com. bd/en/Individual/index. html * Principles of Marketing by Philip J. Kotler ; Gary Armstrong * http://www. adv-ins. com/ * http://www. marketing91. com/product-concept/

Comparing and Contrasting Hinduism and Bhuddism Essay

​Being dedicated is what it takes for these two religions Hinduism and Buddhism. They are considered a way of life for some people. They are two of the most influential and practiced religions in the world today. Millions of people partake in these historical religions. Hinduism dates back to 1500 B.C. Buddhism developed a little while after Hinduism. They both derived in the very rooted country India. Hinduism and Bhuddism have many similarities and differences. ​Hinduism and Buddhism are very similar in many aspects. Both religions goal is to reach enlightenment. Enlightenment means wisdom. In Hinduism it is described as moksha. In Buddhism it is described as Nirvana. In both religions they try and reach this state of perfect understanding. In both religions reaching this state of perfect understanding involves reincarnation. Reincarnation is known as rebirth. It is when an individual soul is born again and again until enlightenment is achieved. These two religions may be similar when it comes to their goal but they do have many differences that make the two separate religions. ​Hinduism and Bhuddism have huge differences. Both religions’ founder and origins are different. In Hinduism is a collection of religious beliefs. It is the result of cultural diffusion. Because of that Hinduism has no founder. Non-Aryan and Aryan beliefs intertwined and developed into one religion. There are thousands of gods in this engaging religion. Unlike Hinduism in Buddhism there is a founder. Interestingly Bhuddism derived from the same period as Hinduism. Bhuddism is the result of religious questioning. Siddhartha Gautman aka Buddha is the founder of Bhuddism. He went on a quest to seek religious truth and an end to religious suffering. From then on he was called the enlightened one and Bhuddism was developed out of his discoveries and philosophy. ​In conclusion, Hinduism and Bhuddism have many things they make them different and alike. Hinduism and Bhuddism are what shaped people’s beliefs and understandings in that time period. These are the two religions that developed in the Vedic age. Currently almost 1/5th of the world today practiced these two religions. They are two very respected beliefs still being applied to lives today.

Monday, January 6, 2020

Innocence and Experience Essay - 1422 Words

As a new way to criticize the Romantic period, desperate times call for desperate measures and it did through the use of children’s point of view in Romantic poetry. A period of fifty years called Romantic period included the French Revolution, the American Revolution and wars of national independence in Europe. William Blake, one of well known Romantic poets, commented on his society by viewing it through the child’s eyes in the two sets of ‘Songs of innocence and of Experience’. It is said that ignorance is a blessing but not according to William Blake. Blake has another meaning to ‘Innocence’; He refers innocence to ignorance. This means that innocence is corrupted and full of naivety. It is the ignorance of corruption, of the real†¦show more content†¦First, the two versions of â€Å"The Chimney Sweeper† discuss serious problems about religious beliefs in 1800. Back in 1800, there have been misuses of church spiritual power to gain profits out of people’s misery. On the surface, the innocence version of â€Å"The Chimney Sweeper† tells of a young boy, who works as a chimney sweeper, get a visit in his dream by angel consoling and promising him God as a reward and an afterlife of freedom if he works and does not complain. The consolation is means to justify the end. The angel is saying what the boy needs to hear to send him back to his work happy. But underneath that mask lies a much deeper meaning. There is symbolism, the words â€Å"angel† and â€Å"God† symbolize to the ch urch. The child is referred as a â€Å"lamb† to be sacrificed in the name of religion. Basically, if you follow church’s rules, obeyed the law and kept your mouth shut, you will be church’s most favorite slave. There are many contrasted words for example â€Å"white† and â€Å"black†, â€Å"dark† and â€Å"bright†. This contrast is a method to manipulate child’s mind promising him a better future but in reality he is building church’s future. There is some kind of irony in the last line. Along with irony comes a threat, a threat which child’s naivety failed to realize. â€Å"The Angel whoShow MoreRelatedThe Unification Of Innocence And Experience1933 Words   |  8 PagesThe Unification of Innocence and Experience Many peer-reviewed sources believe it is â€Å"essential† to understand the historical contexts of William Blake’s lifetime in order to accurately interpret Songs of Innocence and of Experience (Blake 23). I present opposing questions to this theory: (1) why is it necessary to try and adopt a perceptional adaptation of Blake’s historical perspective in order to comprehend and interpret his work; (3) is Songs of Innocence and of Experience a timeless work ofRead MoreThe Delicate Balance Between Innocence And Experience1159 Words   |  5 PagesThe Delicate Balance between Innocence and Experience William Blake’s â€Å"The Chimney Sweeper† in his Songs of Innocence is a literary masterpiece that is still relevant and impactful in the modern world. In lovely form and description, Blake explains the atrocities and hardships of the Industrial Age in a poem suitable for school-age children and with the beautiful simplicity that only a writer like Blake could produce. The Songs of Innocence is a look into the purity and wonderful outlook on lifeRead MoreRossetti Manuscripts and Innocence and the Songs of Experience1873 Words   |  8 PagesRossetti Manuscripts and Innocence and the Songs of Experience Innocence and the Songs of Experience, and the poems from the Rossetti manuscripts, are the poems of a man with a profound interest in human emotions, and a profound knowledge of them. (Grant, Pg 507) These two famous books of poetry written by William Blake, not only show mens emotions and feelings, but explain within themselves, the childs innocence, and mans experience. A little over two centuries ago, William BlakeRead MoreWilliam Blake in Contrast of Songs of Innocence and of Experience1452 Words   |  6 PagesEN 222-Intro to British Lit. II April 21, 2012 William Blake in contrast of Songs of Innocence and of Experience William Blake, an engraver, exemplified his passion for children through his many poems. Blake lived in London most of his life and many fellow literati viewed him as eccentric. He claimed to have interactions with angels and prophets, which had a great influence on his outlook of life. Blake believed all prominent entities, those being church, state, and government had become sick withRead MoreWilliam Blake s Songs Of Innocence And Experience1268 Words   |  6 PagesWilliam Blake’s Songs of Innocence and Experience, printed in 1794, â€Å"represents the world as it is envisioned by what he calls ‘two contrary states of the human soul’† (Greenblatt, 1452). This collection of poetry is accompanied by pictures, which create a mutually reliant relationship that allows for complete understanding of Blake’s works. â€Å"To read a Blake poem without the pictures is to miss something important: that relationship is an aspect of the poem’s argumen t† (1452). Overall, Blake’s worksRead MoreBlake – Songs of Innocence and Experience: the Chimney Sweeper813 Words   |  4 Pagesengraver, who wrote two groups of corresponding poems, namely The Songs of Experience, and The Songs of Innocence. Songs of Innocence was written originally as poems for children, but was later paired up with The Songs of Experience, which he wrote to highlight what he felt were society’s most prominent problems. This essay will be focusing on ‘The Chimney Sweeper.’ Firstly, I’ll look at The Chimney Sweeper from Innocence. The poem uses the ‘A A B B’ rhyming scheme, i.e. young, tongue, weep, sleepRead More Blakes Portrayal of Creation in Songs of Innocence and Experience1890 Words   |  8 Pagesis, for Blake, the manifestation of the divine. The Songs of Innocence and Experience deal with life and the move, in particular, from youth to age. Creation is an extremely important aspect of life [being its beginning], whether the subject is creating or being created. As religion plays an enormous part in all of Blakes poetry, we can expect creation to have some biblical resonance as well. Songs of Innocence and Songs of Experience portray creation ? as they portray most themes ? in entirelyRead More The Condition of Youth in Blake’s Songs of Innocence and Experience2679 Words   |  11 PagesThe Condition of Youth in Blake’s Songs of Innocence and Experience William Blake’s Songs of Innocence and Songs of Experience are collections of poems that utilize the imagery, instruction, and lives of children to make a larger social commentary. The use of child-centered themes in the two books allowed Blake to make a crucial commentary on his political and moral surroundings with deceptively simplistic and readable poetry. Utilizing these themes Blake criticized the church, attacking theRead MoreAnalysis of Blakes Songs of Innocence and Experience Essay1889 Words   |  8 PagesBlakes Songs of Innocence and Experience (1794) juxtapose the innocent, pastoral world of childhood against an adult world of corruption and repression; while such poems as The Lamb represent a meek virtue, poems like The Tyger exhibit opposing, darker forces. Thus the collection as a whole explores the value and limitations of two different perspectives on the world. Many of the poems fall into pairs, so that the same situation or problem is seen through the len s of innocence first and then experienceRead MoreWilliam Blake s Innocence And Experience Analysis Essay1529 Words   |  7 PagesIsha Fidai Amber Drown English 2323 14 September 2016 William Blake s Innocence and Experience Analysis The Romantic Era was a movement in literature that began in the late seventeenth century throughout the eighteenth century that was mainly influenced by the natural world and idealism. Romanticism was predominantly focused on emotion and freedom emphasizing individualism. Formed as an uprising against neoclassicism, romanticism was more abstract, focusing on feelings and imaginations, instead

Wgu Risk Management Risk-Register Report Essay - 2460 Words

State Farm Risk Register Xavier Smith Western Governors University State Farm Risk Register State Farm has chosen to further to its already-existing operations in Canada, with the result of capturing millions of new customers. These customers will require both brick-and-mortar and telephonic support. Brick-and-mortar locations number in the thousands and continue to grow. With the acquisition of a greater number of customers, these locations will be able to absorb and support a respectable number of these new customers. Yet internal analyses indicate that the younger customer base, that is, customers in their 20s and 30s, prefer virtual or telephonic interactions and will actively shun brick-and-mortar locations. It is these†¦show more content†¦If this event were to occur, State Farm would suffer extreme exposure, as every customer would be somehow affected by such an event and would demand recompense, understandably so. Government collapse would also affect call-center and brick-and-mortar operations in the country, leaving customers without recourse to fil e their claims. This risk is an obvious threat and, certainly, poses a very high risk. Fortunately, the likelihood of such an event happening is very low, since Canada’s society has no history of collapse and is governmentally well managed. Still, in the event of such an event’s occurrence, State Farm must have a mitigation strategy in place. The primary focus of this strategy is to remain connected to the Canadian government, possibly through lobbying efforts. Doing so could provide the company notice of impending government issues. State Farm can also bolster its American division through premium increases and the institution of greater policy limitations to bolster coffers to support meeting this Canadian risk. Due to the likelihood of this event, annual monitoring would only be required. Clearance for Call-Center Construction State Farm must receive the appropriate clearance from Canadian authorities to complete the construction of the call center. Building codes are mandated by the local and national authorities to verify undue pejorative influence onShow MoreRelatedEssay about C156/Wtt Task 13156 Words   |  13 PagesAdvanced Information Management and the Application of Technology C156/WTT Task 1 Teresa Miller Student id: 000273119 Proposal Our one hundred bed hospital is in need of updating from paper charting to computerized health records. In doing this, we will meet our goal of compliance with meaningful use legislation. We assembled a team of members to assist with this task and together we have narrowed the search to two health care systems