The Letter Apology Of The Stolen Generations By Kevin Rudd

The 2008 apology to the Stolen Generations by Kevin Rudd is historically significant for a number of reasons (Creative Spirits, 2014). Some felt it provided closure to a painful and traumatic part of Indigenous history while others fail to see how the apology has in the years after proven to change the circumstances of Indigenous peoples. Impacts in areas such as health, education, economic opportunity and involvement in child protection and/or the criminal justice system are all areas which should have been impacted by the Apology (Creative Spitis, 2014). However; as this essay will explore very little impact has been made in any of these areas in actual fact in some ways the gap has been made wider or perpetuated by acts of government. The Apology was a significant historical event but it is important to explain why it happened before examining the affects it has had on the Indigenous community and wider Australia (Creative Spirits, 2014). The Apology was more then just simply an apology, it acted as a statement of acknowledgement by the Australian Government that previous governments had committed wrongdoings by removing thousands of Aboriginal and Torres Strait Islander children from their homes and families to be placed with White families and missions (religious camps which taught children white values essentially removing them from all their cultural roots) (Creative Spirits, 2014). This practice had incredibly adverse affects on families, the children removed asShow MoreRelatedThe Assimilation Policy and Its Impact on the Indigenous Australian Society1071 Words   |  5 PagesAboriginal people’s rights, citizenships and general protection. The Australian government policy that has had the most signifi cant impact on indigenous Australians is the assimilation policy. The reasons behind this include the influences that the stolen generation has had on the indigenous Australians, their relegated rights and their entitlement to vote and the impact that the policy has had on the indigenous people of Australia. The assimilation policy was a policy that existed between the 1940’s and

When I Have Fears, by John Keats and Holy Sonnet 1, by...

Mortality is a moving and compelling subject. This end is a confirmation of one’s humanity and the end of one’s substance. Perhaps that is why so many writers and poets muse about their own death in their writings. Keats and John Donne are two such examples of musing poets who share the human condition experience in When I Have Fears and Holy Sonnet 1. Keats begins each quatrain of the Shakespearean sonnet with a modifier, and each modifier indexes the subject of that quatrain. The modifier therefore gives his sonnet a three part structure. The first quatrain is what he fears; the second quatrain is what he beholds; the third quatrain is what he feels; and the ending couplet sums up all of the quatrains. However, the structure could†¦show more content†¦He also calls the addressed â€Å"fair creature of the hour,† and recognizes the constraint of time on love, for an hour is fleeting. He also recognizes the fickleness of it – who is to say someone else will be his addressed the next hour? He continues to suggest that the addressed has some sort of deceptive and illusory â€Å"faery power† that creates an â€Å"unreflecting love.† Deception and illusion typically are detrimental for those who experience it. Keats does not reflect on losing the chance for love as something terribly unhappy, f or he has a pre-existing negative perception of love. Love is also â€Å"unreflecting,† so love won’t be reciprocated. Keats then ends the segment about love half a line earlier in this quatrain than all other quatrains. Keats introduces the summation of the poem early, in the second part of the last line in quatrain four. This choice reflects how great his impending death weighs on his mind. In the final couplet, Keats’s dark views of love leave him to â€Å"stand alone† and not experience the love mentioned in the previous quatrain. Of course, â€Å"alone† might not necessarily mean devoid of love; he could mean that he’s alone because of his hopeless thoughts on the subject. Or he could mean he is alone because he does not have the emblems â€Å"Love† and â€Å"Fame.† â€Å"Wide world† dwarfs him, making it even sadder that in spite of all the vast opportunities he has had with different cultures,

ICT and Business Development Free Essays

ICT and Business Development In line with the main priorities set by the URBACT Information Society Network, this theme focuses on business development and the role of ICT as a means of tackling economic restructuring and promoting employment and in doing so fostering social cohesion and economic inclusion. The purpose of this brief document is to act as a guide for colleagues when preparing material or presentations on this topic and to provoke discussion on the issues raised in it. Business Development and its relationship to ICT? Business Development is the process of improvement that enables a business to become more efficient, profitable, and thereby creating or safeguarding jobs. We will write a custom essay sample on ICT and Business Development or any similar topic only for you Order Now Business development therefore does not only concern marketing and sales departments, but all parts of a business which constitute its value chain and requires effective communication and co-operation within a company. Over the last 20 years ICT has increasingly been identified as a major contributor to the process of business development and improvement and it has been identified that â€Å"ICT †¦. is responsible for around half of productivity growth in modern economies. It drives improved efficiency and better services and products across the entirety of the private and the public sectors. † (Viviane Reding, Member of the European Commission responsible for Information Society). What has been the impact of ICT on Business? The use of ICT and technology has affected every aspect of business, transforming not only the way that business is conducted but also creating new business sectors and jobs. The creation of companies like Google and e-Bay which did not exist 10 years ago, was only made possible by advances in technology and the changes that this has created in the way that people ehave (currently Google is valued at ?44billion – Source BBC 5th June 05). Some examples of the nature of this change include: Marketing: The use of websites has allowed companies to develop new and cheaper ways of reaching new markets, offering customers the opportunity of buying goods and services whenever they want and often at reduced cost, whilst also e nhancing the level of customer service. This has been coupled with the expansion and use of e-mails which again has been used by business to market their goods and services directly to potential customers, as well as communicating with existing customers and suppliers. Increasingly the marketing campaigns of businesses include the use of technologies such as Contact Management Systems that allows them to co-ordinate, monitor and report on various aspects of their marketing campaigns in new ways making these campaigns more targeted and effective. Finance: Practically all companies now use software programs e. g. Sage or Excel to manage their accounts. This has allowed them to look at financial information when required, monitor and respond to their customers purchasing patterns by e. g. offering discounts and overall improve the management of their finances. The result of this has been for many companies a reduction in their accountancy fees. Out of office working: For many businesses the need for staff to be away from the office attending meetings etc. or to be based in another geographical location has grown alongside employee demands for more flexible working patterns. However effective communication and ability to access information etc. remains critical to the productivity of these staff members. Therefore through the use of technology many companies now use a range of technologies to enable this. These include mobile phones, e-mail, broadband, laptops, etc. Thus ensuring that companies are able to be flexible and adaptive depending on their business needs. Networks: Virtually all businesses now have or have access to a computer. The existence of two or more computers in an office almost always leads to the creation of a network. The main advantage of doing so is that resources can be shared e. g. printers, internet access, files/information can be managed and shared amongst workstations and the security of information can be better managed through a network. Increasingly networks are not just confined to the office but are being adopted so that they allow home/remote working that supports changing business needs. This transformation has really taken place over the last 20 years and continues to transform the way business is done. No business today can ignore the use of technology as its effective use helps businesses to remain competitive and profitable, thereby creating or safeguarding jobs. The role of the Public Sector? What is the case for Public Sector intervention if this is already happening? Talking specifically about SME’s, the final report (Feb. 2004) of the European Go Digital Awareness campaign 2001-2003 shows that â€Å"to help SME’s to â€Å"Go Digital† is still a policy challenge† as SME’s remain sceptical about ICT and e-business. This is mainly the result of: †¢Their experience of procuring technology has often left an impression that the wrong decision was made as the expected benefits from using new technology have not materialised. This then affects businesses willingness to further invest in technology and therefore threatens their further competitiveness. The creation of new businesses especially in new industries requires that the right support and business environment are present. For example the presence of Science Park’s, Universities, and Research Centres etc. can help the spread of an innovative culture amongst businesses. In the absence of proper support and the right environment areas/regions risk losing the jobs and prosperity brought by the creation of new businesses. †¢Procuring technology in itself is not a route to successful business development but requires that staff have the right skills to implement and use it effectively. Many of the new technologies and emerging or existing businesses are increasing dependant on the presence of a relevant technological infrastructure to support business development e. g. Broadband access. The lack of this infrastructure can undermine business development, therefore damaging competitiveness and jobs. The issues above although not exhaustive are indications of market failure and therefore a challenge to the public sector in defining a role and developing projects/iniatives to address them. Without effective action areas/regions risk falling behind and therefore losing out in terms of: †¢Developing new businesses in new business sectors made possible by advances in technology; †¢Ensuring that businesses by effectively using technology are competitive both locally and globally; †¢Ensuring that businesses have the necessary information and support to develop into new markets; †¢Enabling businesses to become more flexible and responsive to the demands of their customers and their staff; †¢Developing a workforce with the necessary skills that are demanded in the present and future labour market. How did you develop your project? Once you have identified a problem or issue then the next stage is to plan actions to overcome or redress these issues. This starts with the planning stage which is a critical component to the success of any project, starting with identifying the need for the project, and includes project time scales, project design, project finance, project partners and resources, project organisation and management etc. What were the key factors in achieving this and what barriers did you have to overcome to do so? Main outcomes of the project to businesses? Over the course of any project measuring its success is a necessary part of project management, reporting and measuring impact or change. What therefore were the main outcomes of the project and how were they measured? ?Increased or improved use of ICT helped to expand business activities? ?Increased or improved use of ICT resulted in the development of new services and/or products? ?ICT usage has helped to create new networks – inside and outside the company? The adoption of ICT solutions has lead to the restructuring of working and communication methods in the enterprise? ?New models of working and/new jobs emerged? ?The implementation of e-work helped to integrate people who have been excluded from â€Å"traditional† jobs in the company before? ?The business now understands better the need for staff training? ?Additional jobs and/or the maintenance of exiting ones as a result of the projects work? Lessons learnt? During the course of any project the experience of delivery often throw’s up many unforeseen issues, especially when you are dealing with technology, which are a result of internal and external factors. This then leads to lesson’s learnt which can range from better ways to manage a project through to innovative approaches to providing support etc. These lessons learnt are not only of value to the project staff but also for others interested in developing or currently running similar projects. How to cite ICT and Business Development, Papers

Pablo Picassos Bequest Of Gertrude Essays - Pablo Picasso

Pablo Picasso's Bequest Of Gertrude Pablo Picasso was a very famous artist in his time. I have always found his work very interesting and unique. He has a style all his own and, I believe that this was what made him so famous and at the same time controversial. The painting I have chosen is called Gertrude. Pablo Picasso was born in Spain to Jose Ruiz and Maria Picasso. He later adopted his mothers more distinguished maiden name Picasso. Picasso was a child prodigy who was recognized as such by his art-teacher father who ably led him along. Picasso was taught for a few years and after he attended the Academy of fine art in Curna Spain where his father taught. Picassos early drawings such as, Study of A Torso, After A Plaster Cast (1894-1895 Musee Picasso, Paris, France) demonstrates the high level of technical proficiency he had accomplished by the age of 14 years old. (Encarta 2000) Picassos artwork is classified as modern art witch started in the early 1880s to the mid 1970s. In 1885 his family moved to Barcelona, Spain after his father obtained a teaching post at that citys academy of fine Arts. Picasso was admitted to advanced classes in the academy after he completed in a single day the entrance examination that applicants were traditionally given a month to complete. In 1897 Picasso left Barcelona to further his study at the San Fernando academy in Madrid witch was located in the Spanish capital. His academic studies did not last long in Madrid. He was unhappy with the training he was receiving and he left and returned back to his home in Barcelona Spain. Picasso visited Paris some time around the early 1900s. After that visit he decided that he would move back and fourth between Spain and Paris. He did this until 1904 when he finally settled down in the French capital. At this time Picasso started to explore and experiment with different art styles that were modern. This portion of his life is called the blue period. This was because of the blue tones Picassos paintings had. During the year of 1905 to 1906 a radical change took place in Picassos style of painting once again. His choice of colors and mood were evident in this period of his life. He used subtle pinks and grays that were often highlighted by brighter tones. This was tone as his rose period. (Rodenbeck, Compton's, Joseph) Along with her brother Leo, Gertrude Stein was among the first Americans to respond with enthusiasm to the artistic revolution in Europe in the early years of the twentieth century. The weekly salons she held in her Paris apartment became a magnet for European and American artists and writers alike, and her support of Matisse, Braque, Girls, and Picasso was evident in her many acquisitions of their work. For Picasso, this early patronage and friendship was of major importance. Picasso's portrait of the expatriate writer was begun in 1905, at the end of his Harlequin period and before he took up Cubism. Stein is shown seated in a large armchair, wearing her favorite brown velvet coat and skirt. Her impressive demeanor and massive body are aptly suggested by the monumental depiction. In her book The Autobiography of Alice B. Toklas (1932), Stein described the making of this picture: Picasso had never had anybody pose for him since he was sixteen years old. He was then twenty-four and G ertrude had never thought of having her portrait painted, and they do not know either of them how it came about. In any case, it did, and she posed for this portrait ninety times. There was a large broken armchair where Gertrude Stein posed. There was also a couch where everybody sat and slept. There was a little kitchen chair where Picasso sat to paint. There was a large easel and there were many canvases. She took her pose, Picasso sat very tight in his chair and very close to his canvas and on a very small palette, which was of a brown gray color, mixed some more brown gray and the painting began, and he created the rich earth tones that we see in the

The Debate Over Reparations for Slavery

The Debate Over Reparations for Slavery The effects of both the transatlantic slave trade and colonialism continue to reverberate today, leading activists, human rights groups and the descendants of victims to demand reparations. The debate over reparations for slavery in the United States dates back  generations, in fact, all the way to the Civil War. Then, Gen. William Tecumseh Sherman recommended that all freedmen should receive 40 acres and a mule. The idea came after talks with African American themselves. However, President Andrew Johnson and the U.S. Congress did not approve of the plan. In the 21st century, not much has changed. The U.S. government and other nations where slavery thrived have yet to compensate the descendants of people in bondage. Still, the call for governments to take action has recently grown louder. In September 2016, a United Nations panel wrote a report that concluded African Americans deserve reparations for enduring centuries of â€Å"racial terrorism.† Made up of human rights lawyers and other experts, the U.N.’s Working Group of Experts on People of African Descent shared its findings with the U.N. Human Rights Council. â€Å"In particular, the legacy of colonial history, enslavement, racial subordination and segregation, racial terrorism and racial inequality in the United States remains a serious challenge, as there has been no real commitment to reparations and to truth and reconciliation for people of African descent,† the report determined. â€Å"Contemporary police killings and the trauma that they create are reminiscent of the past racial terror of lynching.† The panel does not have authority to legislate its findings, but its conclusions certainly give weight to the reparations movement. With this review, get a better idea of what reparations are, why supporters believe they’re needed  and why opponents object to them. Learn how private institutions, such as colleges and corporations, are owning up to their role in slavery, even as the federal government remains silent on the issue. What Are Reparations? When some people hear the term â€Å"reparations,† they think it means that descendants of slaves will receive a large cash payout. While reparations can be distributed in the form of cash, that’s hardly the only form in which they come. The U.N. panel said that reparations can amount to â€Å"a formal apology, health initiatives, educational opportunities ... psychological rehabilitation, technology transfer and financial support, and debt cancellation.† The human rights organization Redress defines reparations as a centuries-long principle of international law â€Å"referring to the obligation of a wrongdoing party to redress the damage caused to the injured party.† In other words, the guilty party must work to eradicate the effects of the wrongdoing as much as possible. In doing so, the party aims to restore a situation to how it likely would have played out had no wrongdoing occurred. Germany has provided restitution to Holocaust victims, but there’s simply no way to compensate for the lives of the six million Jews slaughtering during the genocide. Redress points out that in 2005, the U.N. General Assembly adopted the Basic Principles and Guidelines on the Right to a Remedy and Reparation for Victims of Violations of International Human Rights and Humanitarian Law. These principles serve as a guideline for how reparations can be distributed.  One can also look to history for  examples. Although the descendants of enslaved African Americans have not received reparations, Japanese Americans forced into internment camps by the federal government during World War II have. The Civil Liberties Act of 1988 allowed the U.S. government to pay former internees $20,000. More than 82,000 survivors received restitution. President Ronald Reagan formally apologized to the internees as well. People who oppose reparations for slave descendants argue that African Americans and Japanese American internees differ. While actual survivors of internment were still alive to receive restitution, enslaved blacks are not.    Proponents and Opponents of Reparations The African American community includes both opponents and proponents of reparations. Ta-Nehisi Coates, a journalist for The Atlantic, has surfaced as one of the leading advocates for redress for African Americans. In 2014, he wrote a compelling argument in favor of reparations that catapulted him to international stardom. Walter Williams, an economic professor at George Mason University, is one of the leading foes of reparations. Both men are black. Williams argues that reparations are unnecessary because he contends that African Americans actually benefitted from slavery. Almost every black American’s income is higher as a result of being born in the United States than any country in Africa, Williams told ABC News. Most black Americans are middle-class. But this statement overlooks the fact that African Americans have higher poverty, unemployment and health disparities than other groups. It also overlooks that blacks have far less wealth on average than whites, a disparity that has continued over generations. Moreover, Williams ignores the psychological scars left by slavery and racism, which researchers have linked to higher rates of hypertension and infant mortality for blacks than whites. Reparations advocates argue that redress goes beyond a check. The government can compensate African Americans by investing in their schooling, training and economic empowerment. But Williams asserts that the federal government has already invested trillions to fight poverty. â€Å"We’ve had all kinds of programs trying to address the problems of discrimination,† he said. â€Å"America has gone a long way.† Coates, in contrast, argues that reparations are needed because after the Civil War, African Americans endured a second slavery due to debt peonage, predatory housing practices, Jim Crow and state-sanctioned violence. He also cited an Associated Press investigation about how racism resulted in blacks systematically losing their land since the antebellum period. â€Å"The series documented some 406 victims and 24,000 acres of land valued at tens of millions of dollars,† Coates explained of the investigation. â€Å"The land was taken through means ranging from legal chicanery to terrorism. ‘Some of the land taken from black families has become a country club in Virginia,’ the AP reported, as well as ‘oil fields in Mississippi’ and ‘a baseball spring training facility in Florida.’† Coates also pointed out how those who owned the land black tenant farmers worked often proved unscrupulous and refused to give sharecroppers the money owed to them. To boot, the federal government deprived African Americans of a chance to build up wealth by homeownership due to racist practices.    â€Å"Redlining went beyond FHA-backed loans and spread to the entire mortgage industry, which was already rife with racism, excluding black people from most legitimate means of obtaining a mortgage,† Coates wrote. Most compellingly, Coates notes how enslaved blacks and slavers themselves thought reparations necessary. He describes how in 1783, freedwoman Belinda Royall successfully petitioned the commonwealth of Massachusetts for reparations. In addition, Quakers demanded new converts to make reparations to slaves, and Thomas Jefferson protà ©gà © Edward Coles granted his slaves a plot of land after inheriting them. Similarly, Jefferson’s cousin John Randolph wrote in his will that his older slaves be freed and given 10 acres of land. The reparations blacks received then paled in comparison to how much the South, and by extension  the United States, profited from human trafficking. According to Coates, a third of all white income in the seven cotton states stemmed from slavery. Cotton became one of the country’s top exports, and by 1860, more millionaires per capita called the Mississippi Valley home than any other region in the nation. While Coates is the American most associated with the reparations movement today, he certainly did not start it. In the 20th century, a hodgepodge of Americans backed reparations. They include veteran Walter R. Vaughan, black-nationalist Audley Moore, civil rights activist James Forman and black activist Callie House. In 1987, the group National Coalition of Blacks for Reparations in America formed. And since 1989, Rep. John Conyers (D-Mich.) has repeatedly introduced a bill, HR 40, known as the Commission to Study and Develop Reparation Proposals for African Americans Act. But the bill has never cleared the House, just as Harvard Law School Professor Charles J. Ogletree Jr. has not won any of the reparations claims he’s pursued in court. Aetna, Lehman Brothers, J.P. Morgan Chase, FleetBoston Financial and Brown Williamson Tobacco are among the companies that have been sued for their ties to slavery. But Walter Williams said that corporations aren’t culpable. â€Å"Do corporations have social responsibility?† Williams asked in an opinion column. â€Å"Yes. Nobel laureate professor Milton Friedman put it best in 1970 when he said that in a free society ‘there is one and only one social responsibility of business- to use its resources and engage in activities designed to increase its profits so long as it stays within the rules of the game, which is to say, engages in open and free competition without deception or fraud.’† Some corporations have a different take. How Institutions Have Addressed Slavery Ties Companies such as Aetna have acknowledged profiting from slavery. In 2000, the company apologized for reimbursing slaveholders for the financial losses incurred when their chattel, enslaved men and women, died. Aetna has long acknowledged that for several years shortly after its founding in 1853 that the company may have insured the lives of slaves, the company said in a statement. We express our deep regret over any participation at all in this deplorable practice. Aetna admitted to writing up to a dozen policies insuring the lives of the enslaved. But it said it would not offer reparations. The insurance industry and slavery were extensively entangled. After Aetna apologized for its role in the institution, the California State Legislature required all insurance companies doing business there to search their archives for policies that reimbursed slaveholders. Not long afterward, eight companies provided such records, with three submitting records of having insured slave ships. In 1781, slavers on the ship Zong  threw more than  130 sick slaves overboard to collect insurance money. But Tom Baker, then director of the Insurance Law Center at the University of Connecticut School of Law, told the New York Times in 2002 that he disagreed that insurance companies should be sued for their slavery ties. â€Å"I just have a sense that it’s unfair that a few companies have been singled out when the slave economy was something that the whole society bears some responsibility for,† he said. â€Å"My concern is more that to the extent that there is some moral responsibility, it should not be targeted to just a few people.† Some institutions with ties to the slave trade have tried to make amends for their past. A number of the nation’s oldest universities, among them Princeton, Brown, Harvard, Columbia, Yale, Dartmouth, the University of Pennsylvania and the College of William and Mary, had ties to slavery. Brown University’s Committee on Slavery and Justice found that the school’s founders, the Brown family, owned slaves and participated in the slave trade. Additionally, 30 members of Brown’s governing board owned slaves or helmed slave ships. In response to this finding, Brown said it would expand its Africana studies program, continue to provide technical assistance to historically black colleges and universities, support local public schools and more. Georgetown University is also taking action. The university owned slaves and announced plans to offer reparations. In 1838, the university sold 272 enslaved blacks to eliminate its debt. As a result, it is offering admissions preference to the descendants of those it sold. â€Å"Having this opportunity would be amazing but I also feel as if it’s owed to me and to my family and to others that want that opportunity,† Elizabeth Thomas, a slave descendant, told NPR in 2017. Her mother, Sandra Thomas, said she didn’t think Georgetown’s reparations plan goes far enough, as not every descendant is in a position to attend university. â€Å"What about me?† she asked. â€Å"I dont want to go to school. Im an old lady. What if you don’t have the capacity? You have one student lucky enough to have decent family support system, got the foundation. He can go to Georgetown and he can thrive. He has that ambition. You’ve got this kid over here. He’ll never go to Georgetown or any other school on this planet beyond a certain level. Now, what you going to do for him? Did his ancestors suffer any less? No.† Thomas raises a point on which  both supporters and foes of reparations can agree. No amount of restitution can make up for the injustices suffered.

Differences Between Mass, Spree and Serial Killers

Differences Between Mass, Spree and Serial Killers Multiple murderers are people who have killed more than one victim. Based on the patterns of their murders, multiple killers are classified into three basic categories- mass murderers, spree killers, and serial killers.  Rampage killers is a relatively new name given to both mass murderers and spree killers. Mass Murderers   A mass murderer kills four or more people at one location during one continuous period of time, whether it is done within a few minutes or over a period of days. Mass murderers usually commit murder at one location. Mass murders can be committed by a single individual or a group of people. Killers who murder several members of their family also fall into the mass murderer category. An example of a mass murderer would be Richard Speck. On  July 14, 1966, Speck systematically tortured, raped and killed eight student nurses from South Chicago Community Hospital. All of the murders were committed in a single night in the nurses south Chicago townhouse, which had been converted to a student dormitory. Terry Lynn Nichols is a mass murderer convicted of conspiring with Timothy McVeigh to blow up the Alfred P. Murrah Federal Building  in Oklahoma City on  April 19, 1995. The bombing resulted in the deaths of 168 people, including children. Nichols was given a life sentence after the jury deadlocked on the death penalty. He then received 162 consecutive life terms on federal charges of murder. McVeigh was executed on June 11, 2001, after being found guilty of detonating a bomb hidden in a truck parked in front of the building. Spree Killers Spree killers (sometimes referred to as rampage killers) murder two or more victims, but at more than one location. Although their murders occur in separate locations, their spree is considered a single event because there is no cooling-off period between the murders. Differentiating  between mass murderers, spree  killers, and serial killers is the source for ongoing debates among  criminologists. While many experts agree with the general description of a spree killer, the term is often dropped and mass or serial murder is used in its place. Robert Polin is an example of a spree killer. In October 1975 he killed one student and wounded five others at an Ottawa high school after earlier raping and stabbing a 17-year-old friend to death. Charles Starkweather  was a spree killer. Between December 1957 and January 1958, Starkweather, with his 14-year-old girlfriend by his side, killed 11 people in Nebraska and Wyoming. Starkweather was executed by  electrocution  17 months after his conviction. Serial Killers Serial killers murder three or more victims, but each victim is killed on separate occasions. Unlike mass murderers and spree killers, serial killers usually select their victims, have cooling-off periods between murders, and plan their crimes carefully. Some serial killers travel widely to find their victims, such as Ted Bundy, but others remain in the same general geographic area. Serial killers often demonstrate specific patterns that can be easily identified by police investigators. What motivates serial killers  remains a mystery; however, their behavior often fits into specific sub-types. In 1988, Ronald Holmes, a criminologist at the University of Louisville who specializes in the study of serial killers, identified four subtypes of serial killers. The Visionary - Usually psychotic, the visionary is compelled to murder because they hear voices or sees visions ordering them to kill certain kinds of people.Mission-Oriented - Targets a specific group of people who they believe are unworthy to live and without whom the world would be a better place.Hedonistic Killer - Kills for the thrill of it because they enjoy the act of killing and sometimes becomes sexually aroused during the act of murder.Power-Oriented - Kills to exert ultimate control over their victims. These murderers are not psychotic, but they are obsessed with capturing and controlling their victims and forcing them to obey their every command. According to a report issued by the F.B.I., there is no single identifiable cause or factor that leads to the development of a serial killer. Rather, there is a multitude of factors that contribute to their development. The most significant factor is the serial killer’s personal decision in choosing to pursue their crimes.

UK financial services Essay Example | Topics and Well Written Essays - 2500 words

UK financial services - Essay Example This in turn led to a sequential inductive effect on other countries’ economies, which eventually caused a global financial crisis. This shows the power that that the United Kingdom’s financial services sector wields. This paper will discuss various aspects of the financial services sector in the UK, including the main financial services product types and their functions; financial advice; UK taxation and social security systems; and inflation, interest rate volatility and other relevant socio-economic factors. By the end of this paper, I hope to have examined, evaluated, and discussed the United Kingdom’s financial services sector with regards to these aspects. Key words Financial services; interest rate volatility; inflation; social security systems i) The Main Financial Services product types and their Functions Banking UK banks are generally public limited companies (plcs) that are owned by shareholders.The banking sector in the UK has the second largest asse ts in the world ($11 trillion). It offers borrowing and lending services, corporate financing, financial advice, and other financial services. The Bank of England regulates lending and borrowing rates by setting interest rates. By doing this, it also regulates foreign exchange services, cost of goods and services, the money market, and the cost of doing business. When it comes to international banking, the UK is the largest individual market for bank borrowing and lending. Approximately 20% of cross-border trading and 22% of borrowing is organized in the UK. The county also has a long tradition of well-developed systems for processing complex transactions, as well as a strong regard for corporate activity. The UK banking industry is very diverse, and this is shown by the presence of over 551 international banks in London alone in 2007. By comparison, New York has 250, Paris 271, and Frankfurt 280 (British Invisibles 2009, pg. 22). The UK also has very dynamic money markets which cat er for institutional/corporate customer activity in forward and spot markets as well as the proprietary trading activities of banks. In April 2009, the United Kingdom estimated to have a 36% share of the total worldwide foreign exchange turnover with around $1.7bn daily. Local retail banking is entrenched in the UK, with 5 big banks leading the way. These are Lloyds Banking Group, Barclays, HSBC, Santander, and RBS Group. Together, these banks control around 65% or more of the total retail banking market in the UK (Copperfield 2010, pg. 27). There are about 52 building societies which complement banks. The largest of these are Yorkshire, Skipton, Coventry, and Nationwide. There are also a couple of retail groups (Marks & Spencer, Tesco and Sainsbury’s) which provide a variety of financial services products ranging from current accounts to credit cards and insurance (Copperfield 2010, pg. 33). Capital Markets Securities trading and issuance (including trading of commodities an d derivatives) is done by more than 170 firms headquartered London, and is dominated by international banks like Barclays Capital, Goldman Sachs, Bank of America, Citigroup, Morgan Stanley, Merrill Lynch, and JP Morgan. It is a sub-sector that is also consolidated since 60% is controlled by the top seven entities. The UK accounts for about 25% of the total banking fee revenues in the Europe, while London