ShantanuT01/DACTYL-Pretraining huggingface dataset:
In-house agents refer to agents who are employees of a given insurance company and are exclusively tied to selling insurance policies of that company only. This opposed to independent agents who sells for more than one company (Cummins & Venard, 2007). An auto insurance company is more likely to use in-house agents because of the following reasons. First auto insurance policy is subject to future renewals. As a result an insurer who wants his clients to renew their policies with them instead of shifting to another provider must have well trained agents who only deal with the company. This is opposed to life insurance policy which has virtually a certain maturity period and has no need for renewal (Dionne, 2001). Secondly, most insurance firms will always try to have few claims so as to stay in business.In addition auto insurance has a high frequency risk as compared to life insurance. On the other hand independent agents are not normally attached to one insurer; therefore in the event that the event insured against happens then the independent agent can work together with the policy holder to push for compensation from the insurer. This is because the agent knows that if the client is not treated to their expectation they can transfer them to another provider. However in-house agents are employees of the insurer and therefore they can’t betray their loyalty to the employee, but will also work to retain the client (Dionne, 2001). Thirdly, in auto insurance policy there is an opportunity of one client buying more than one policy. Therefore the company needs to train its clients so that they will be able to work with a given client to expand business with them. This not needed in life insurance, in addition independent customers may advice customers who are with one insurer to purchase other related policies from other providers depending on the commission offered. Life insurance policies are difficult to market due to the high level of intangibility; therefore they also require an agent who has a high understanding of the product which can be achieved through thorough training. This shows the need for in-house agents but their need is still less compared to that of auto insurance companies (Dionne, 2001). Why auto insurance companies assign the tasks of selling and customer service to different people There are various reasons why an auto insurer will separate the task of selling form customer service. First, to use customer service as a competitive advantage, particularly because most of the auto insurance policies are similar in what they cover. Therefore in order for an insurer to differentiate itself from other providers it needs to offer strong customer service. This is only possible when the two tasks are separated. Secondly the provider of auto insurance is always determined to retain the customer for future renewal contracts. Customer service ensures that those custom
Introduction Healthcare disparities can be explained as the differences or the inequalities that exist in the provision of medical care to various groups of people. These differences disproportionately affect the people in terms of morbidity and mortality based on an individual’s sex, gender, social class, economic position, culture, ethnicity, and race, among other factors. Bioethical theories The bioethical theories are a number of theories that have evolved over time in the medical care practice. These theories therefore, are described as an interdisciplinary field of the health care system which in the modern medicine deals with ethical issues surrounding science and technology; they seek to provide sophisticated care systems. The healthcare providers face a dilemma when it comes to the right to decide, informed consent, alternative treatment options, right of life and death, among other issues. Technological challenges include cost being due to prolonged life by use of technology and sickness that eventually causes death is said to be chronic. The most significant theories in the US have been the theory of principlism and that of moral rules. Principlism This theory is divided into four major principles namely, Nomaleficence, beneficence, justice, and autonomy. The medical practitioners are expected to apply these principles whenever they are faced with moral dilemmas, the bioethical issues. Professionals should respect the autonomy of the patients; they should also avoid causing harm (nonmaleficence); the care provided should balance between cost and benefits (beneficence); and finally justice where risks and benefits in groups are distributed in a fair manner (Beauchamp &Childress, 2001, p. 12). There are certain instances where the principles can apply singly or work over another principle and no one principle has a prima facie authority on the rest. The specific only determines the principle to be used at that instance. For instance in vaccination of children the beneficence can out
Abstract This paper talks clearly about how the spousal abuse is deducted in the American society and the relevant factor that is attributed to, the paper clearly demystifies and bring for that various kind of spousal abuse their reasons of happening. In this paper, I would like to embrace the various reasons that can be embrace in tackling spousal conflicts. In trying to solve the conflicts I will incorporate the theory of social activities so that can clearly distinguish the problems that encounter them. This paper clearly examines the functional theory and application in the real-life situation by focusing on the impact causes and the prevention of the spousal issues through the incorporation of the positive aspect of the theory. The conclusion generally focuses on the cause of spousal conflict and entails how it emerges as a result of a misunderstanding between the two parties and this in return usually results in one party being blamed for the action. Generally, this is not usually the case since unless there is mutual understanding between the two parties in the house the conflicts will still prevail. Causes of spouse abuse The main concern entails the increased cases of violence between spouses in the US that are reported. In this capacity, not only spouses abuses among the whites are going to be looked at but all cases of abuses involving all types of couples in the U.S. i.e. all races found in the U.S.To start with, I would say that there are many types of spousal abuse that are actually experienced by different spouses. for example, we have; Emotional abuse which can also be said to be mental abuse where spouses suffer emotionally especially when one is undergoing depression due to psychological torture. Another type of abuse is domestic violence which commonly is through physical assault as a result of domestic issues like financial problems, differences arising from disagreement or misunderstanding between couples on family issues and. The above-mentioned types of assaults are caused by various reasons. To begin with, is domestic violence. You find that most cases of violence that are reported are those of domestic violence. This is due to a lot of misunderstandings between the spouses starting from financial issues when there is a rift between the two spouses in relation to their status. They al
Introduction The financial success of modern companies should be discussed in the context of the organization’s social performance because the firm’s profitability is directly associated with the corporate social responsibility. Apple Inc. is a US-based multinational corporation that is known as one of the leading manufacturers of smartphones, computer electronics, software, and electronic devices in the world. The company was founded by Steve Jobs, Steve Wozniak, and Ronald Wayne in 1976, and currently, Apple is characterized by the strong brand image and high customer loyalty (Bergvall-Kareborn & Howcroft, 2013). Products and services proposed by Apple are recognized all over the globe, and the company’s main competitors are Samsung and Nokia (Heracleous, 2013). The purpose of this paper is to discuss products of Apple, concentrate on external factors that influence the company’s progress, analyze the role of primary stakeholders in influencing the organization’s performance, and describe the corporate social responsibility issue associated with Apple. Products of Apple and External Environment’s Factors The nature of Apple’s business is the production of innovative electronic devices, including smartphones, portable devices, tablets, and computers. The focus is on proposing the most attractive and widely recognized products that are based on the advanced technologies. The successfulness of the business depends on the unique offer (Bergvall-Kareborn & Howcroft, 2013). Thus, Apple provides consumers with the inimitable experience associated with the use of exclusive and premium devices based on the specific software. As a result, the structure and types of Apple products can be explained with reference to the idea that consumers receive the unique experience and innovative devices. Products and services proposed by Apple expand annually, and currently, the company offers laptops, iPhone, iPod, iPad, the operating system Macintosh to support Apple hardware and devices, Apple Watch, and Apple TV among other products ( Apple: Investor news , 2016). Two external environment’s factors that can influence the company’s development and progress are economic and technological ones. Thus, changes in the economic environment in the United States and globally influence the company’s sales directly. Apple’s pricing strategy is based on proposing premium prices for high-quality and recognizable products ( Apple: Investor news , 2016). However, the increased rates of unemployment in the United States and other countries, as well as economic instability, can influence the buying power of potential consumers (Bergvall-Kareborn & Howcroft, 2013). The technological factor is also influential because the Apple strategy is based on the implementation of the latest technologies and promotion of innovation (Heracleous, 2013). The development of information and communication technologies, as well as approaches to producing hardware and software, can influence Apple significantly, and the impact can be both positive and negative because the integration of new technologies in production will require the additi
News reports suggest that economic giants from third world Asia namely China and India are expected to grow at the rate of 9.7 and 6.5 percent respectively. Though the difference between the two is quite high but both the nations are one of the fastest growing economies in the world. The GDP growth rate of these nations is much higher than that of any developed nation. It’s not just the growth rate but also the sheer size of the economies of these nations that has made them an indispensable part of the world economy. China has now become the factory of the world with large multinational companies infusing lots of money in establishing manufacturing units and India is now one of the major destinations for back office jobs and is the leading service sector economy. Its not just these two nations have shown higher growth but many other developing nations which includes almost the whole of South East Asia and a few parts of Latin America. The globalization has started giving results. The process which has got its roots right from the beginning of 20 th century with the beginning of economic cooperation between Europe and the United States has now become synonymous with the word development no only in western world but also in Far East Asian Countries (The World Bank Group, 2000). But still this globalization has yet to make this world a better place to live. Though as mentioned above India and China, the two most developing nations of Asia are actually among the two poor nations also. The standard of living in China is one fifth to that of a developed country and in India is even worse with standard of living being one tenth of the same variable. The difference between the rich and the poor have widen with every passing year rich becoming more rich while the poor are diving towards more destitution. So the concern related to the globalization process is the growth which is visible is actually more of mathematical in nature than the real cumulative growth. It might be taking place at the cost those who are less privileged (Kumar, 2007). The purpose of this paper is to analyze the effects on developing nations which are said to the most benefited one when one of the components of globalization, i.e., foreign direct investment (FDI). The paper gives brief explanation of globalization
Introduction Marginal concepts can be defined as the relationship between the cost of production and the value of end result or product (Froeb & McCann 2010). For example, it is only reasonable to engage in farming if the amount produced is greater than the overall costs incurred during production. In a way, coal is the largest source of energy in the world. It is used to generate electricity and other forms of energy. However, coal has become outdated in the 21st century. It emits a lot of carbon dioxide, not forgetting that the mode used in the extraction of this mineral is not environmentally friendly. Many people believe that at this time and age, not a single cent should be spent on coal mining. Instead, the oil should be used in cooking, fueling, lubrication, and other functions. However, just like coal, oil has its own limitations. One of them is the cost of production. The demand for oil is high. Considering the costs incurred in extracting this mineral, many countries are forced to import this product from other markets (Frank, Bernanke & Squalli 2012). In the current paper, the author is going to look at the various marginal concepts in relation to the destruction of rainforests and coal mining today. Factors that may lead to the Revival of the Coal Industry One of the most obvious reasons is the rising demand for energy in the world. In any case, most people prefer using oil to coal. The development has increased the demand for oil. The amount of money needed to produce this form of energy makes it hard to exploit oil mines fully. However, a number of nations are able to produce this mineral for domestic consumption (Froeb & McCann 2010). To meet the demands for power, some countries may reconsider re-opening their coal mines. Oil is a non-renewable source of energy. As such, it is likely to get depleted with time. The realization creates the need for alternative sources of energy (Froeb & McCann 2010). Coal is cheaper to mine compared to oil. As such, it may serve as the default alternative to oil (Frank et al. 2012). The exportation of coal is another factor that Britain may take into consideration. To this end, abandoned mines may need to be made operational again. The exportation of coal may serve as a source of revenue for the government (McKenzie & Lee 2010). In addition, the country has huge deposits of this mineral. As such, many people will find it cheaper to use coal compared to oil. Compared to coal, oil is scarce in the UK. In fact, it is approximated that the volume of coal reserves in this country is ten times that of oil (McKenzie & Lee 2010). As such, re-opening the old coal mines and exploiting these deposits is a good idea. Relying on oil imports is a bad idea, given the volatilities of the world market. As far as marginal concepts are concerned, oil extraction is not advisable (Froeb & McCann 2010). The reason is that the amount of money made from one barrel of thi
Introduction After the September 11, 2001 attacked in the United States, national securities have been the priority of the government of President George W. Bush. At the same time the media have focused their attention on the matters of government policies and actions towards this matter. On October 16, 2007, Frontline-PBS telecasted the documentary entitled Cheney’s Law. Summary of Cheney’s Law Cheney’s Law is a step by step account of the actions taken by Vice President Dick Cheney to enhance the executive power of the president, as the Commander in Chief in times of war. It was stated in the documentary that Cheney, through his exposure to the past three presidents (Nixon, Reagan, and Bush) of the United States, strongly believes that the president does not need to seek congressional authorization and can act on its own especially in matters of national security and threats. David Addington, Cheney’s lawyer, an extremely intelligent, forceful lawyer and holds well grounded views on a lot of issues, is also believed to be upholding the same views as Cheney’s. He is also believed to have well-versed knowledge on the legality on the matter of national security. Sharing the same thoughts and having appropriate knowledge of the law, Cheney and Addington worked together and said to have become one of the most powerful duos since 1980’s. On 1996, Cheney was the defense secretary of George H.W. Bush and insisted that the president does not need to seek authorization from the Congress to launch a war against Kuwait. But Former President Bush disregarded his views and went on a congressional vote on this matter. Since then, Cheney’s idea for the president to have unlimited power in times of war put on hold for more than eight years until he became the Vice President of the United States for the younger Bush Administration. Cheney and Bush shared the same views with regards to extending the powers of the executive branch. The September 11, 2001 incident was said to be the moment where Cheney solidified and acted on the principle that the president has to have extraordinary powers to ensure national security. Together with Addington, they took the initial step by asking John Yoo of the Office of the Legal Council (OLC) to make a legislation authorizing the president to wage war globally, to exhaust all means in order to stop all terrorism acts, and to execute those who were responsible for the previous attacks. On September 14, 2001, the legislation was submitted to Congress for approval. Unfortunately, just as what Cheney and Addington feared, the Congress denied the legislation and stood firmly that the president should not have an extensive power to take military action globally and locally. But Cheney, Addington, et.al went on with their plans justifyi
The process of reality cognition and the design of concepts that will later on be used in communication are truly miraculous. The differences in the cultural and social background seemingly eliminate the opportunity for people to create a successful discourse that could be easily understandable for others. However, the coexistence of people in the society contributes to the creation of the so-called shared conceptual maps, thus, making the communication process possible. By linking representation to power, Hall makes a statement about the necessity for the participants of a specific communication process to work on identifying the points of contact between their systems of representation, as the participants in question share equal amounts of power in defining the synapse between various elements and phenomena of their environment. The two-fold system of representation, which the identification of an object and its further incorporation into the vocabulary presupposes, in fact, demonstrates the element of power in representation in a rather obvious manner. As Hall explains, the fact that a person is capable of creating the concept of an object and later on identifying the aforementioned concept with the object in question proves that the specified person has the power of shaping their representation system: “If you put down a glass you are holding and walk out of the room, you can still think about the glass, even though it is no longer physically there” (Hall 17). At this point, the concept of discourse deserves to be mentioned. Traditionally defined as a “level or component of language use, related to but distinct from grammar” (Darnell 507), a discourse is related directly to the representation of objective reality though the prism of one’s subjectivism. Herein the connection between the phenomenon of representation and the concept of discourse lies: the content of the latter is predetermined by the way, in which its author represents objective reality and what symbols they will choose in order to render a specific message, which the video in question displays in a very graphic manner: “Media have real and strong effects on the world” (Hall “Representation & Media” 4:39–4:41). The similarity between the “conceptual maps” (Mattos, Borges and Castro 33) that people have predisposes the premises for successful communication; otherwise, Hall argues, there would be no opportunity for a successful conversation: “Now it could be the case that the conceptual map which I carry around in my head is totally different from yours, in which case you and I would interpret or make sense of the world in totally different ways” (Hall 18). Herein the significance of shared conceptual maps predisposed by belonging to the same cultural background lies. Hall’s argument, in fact, can be taken to an even higher level of communication, i.e., the process of interaction between the members of different cultures. The lack of proper experience and cultural baggage demonstrated by either of the sides may lead to quite deplorable results because of the inconsistencies in the combination of the two representation models. Unless