The Middle East Essay Example for Free

The Middle East Essay Petroleum being one of the most indispensable resources to man is a commodity that is produced in one of the regions in the world characterized by people who sport long beards, dresses for both men and women and a turban. This region is the Middle East which is responsible for producing most of the worlds supply of oil. Therefore, one must be aware of the history and current status of the Middle East because it produces one of the most important fuels that make our life convenient nowadays. The Middle East is a region that includes southwestern Asia and Egypt. Formerly known as the Near East, it is the origin of most of the major religions in the world such as Christianity, Judaism, and Islam. As of 2009, the Middle East has a total population of 202,687,005 comprising around 3% of the total worlds population. Saudi Arabias total of 27,019,731 includes 5,360,526 non-nationals and UAEs total population of 2,602,713 includes 1,576,472 non-nationals making them among those that are highly active in terms of commerce and industry. The population of the Middle East is still expected to grow rapidly because of the young age structure, having one third of its entire population under 15. The fertility of mothers rose from 4. 3 births per woman in 2000 to 7. 2 in 2010. Nearly 60% of the population live in urban areas therefore making the urbanization rate high. Population density varies among countries and Yemen for example has a population density of 34. 2 square meters per person, 10. 2 for Saudi Arabia, and 30. 9 for UAE. Ethnic groups that comprise the Middle East are Persians, Arabs, Turks, Armenians, Jews, and Greeks. Major religion is Islam but other religions are also present such as Christianity, Judaism and Zoroastrianism. Major language being spoken is Arabic followed by Persian and Turkish. The history of the Middle East dates back to the empires of the Byzantines and the Sassanids. The Arabs who were before at competition with each other were bounded by one religion that is Islam. The Arab Islamic group spread to more countries but was eventually repaced by a Turkish Islamic group known as the Ottomans. The Ottoman empire lasted for decades but reached decline when the Europeans took control because of their interest in Middle East lands. To save the empire, the Ottomans collaborated with Germany during WWI but due to the loss they sustained, they were eventually a destroyed empire. The Middle East countries were granted freedom since the 1920s to the 1970s. Monarchs and dictators emerged and ruled the political system of the region. Internal forces affecting politics are instabilities caused by coups, revolutions and civil wars while the external force that affected the politics in the region is the importance placed on them by other super powers such as the United States and other Europen States. The main product that fuels the economy of the Middle East is the oil they produce. 1965-1985 was the period considered as the best in the economy of the region. This was due to a dramatic rise in the prices of oil. Due to this, literacy rates rose, job opportunities grew and the oil-producing countries gave constant aids to non-oil producing countries. Among those that experienced wealth are Saudi Arabia and UAE while Yemen stayed to be among the poorest. However, dramatic as the rise, the decline was equally dramatic because of the fluctuation in oil price from 28$ in 1985 to 10$ in 1986. Currently, the economic future of the Middle East is affected by two forces. Internally, it is the rapid population growth in the region. This will clearly affect the economy because this will cause stresses in resources of the region. Take for example water, since the Middle East is among the water-scarce region in the world. Other aspects to be taken into consideration that will be affected by population growth are food resources, medicine and education. Externally, the factor that would affect the economy of the Middle East is the price of oil in the world market. If there is a rise, then further economic growth will be attained. But if the direction would be a decrease, then it would not be good news for the region. Therefore, alternative sources of income should be exploited. In conclusion, as long as there is a need to fuel the modern technology that man has created, the Middle East will continue to thrive as a region that is rich in cultural heritage as well as a region that is the best resource for oil. Works Cited Shah, Anup. 29 December 2009. â€Å"Middle East†. Global Issues. 5 June 2010 http://www. globalissues. org/issue/103/middle-east

Transgenic Plants and Their Applications

Transgenic Plants and Their Applications Aim of study Rice is one of the main staple foods in this world. It is particular interesting that studies be done on enhancing the rice production. There are biotic and abiotic factors that can reduce the production of rice but the aim for this study is to examine further into genes that can enhance rice tolerance towards drought as drought one of the main factors that decreases the annual production of rice in the world. In addition, genes conferring tolerance to transgenic rice will also lead to other positive phenotype effect such as salt tolerance (Hu et al., 2006), disease tolerance (Chen and Guo, 2008) and many more. The research of transgenic plants is still in its infant stage as technology progress to further extend. As this transgenic research is still new, there is a lot problem surrounding this new research and it is particularly important for one to know every aspect in transgenic rice. Aspect such as benefits and setbacks should be provided so that the aspects can be reviewed and to find a balance point. Balance point is where the benefit will overweight the setbacks. Furthermore, review would be more wholesome and informative and the information provided will lead to invoking thought of scientists that are interested to study further in the transgenic field. Rice Production According to Food and Argriculture Association (FAO) of United Nation, rice is the second largest produced cereal in the world. Around 350 million tons of rice was produced in the early 1990s and by the end of the century it had reached 410 million tons. Asia countries are the major rice producer in the world (90%) with China and India producing one-third of global population supply (ref?). Currently, rice is grown and harvested on every continent except Antarctica, where conditions are not suitable for rice growth. Other major rice producer includes India, Japan, Indonesia, Thailand, Philipine, and Bangladesh. Currently, more than 550 million tons of rice is produced annually around the globe. Few thousands of new strains of rice are produced till today. That includes those grown in the wild and those which are cultivated as a crop. Globally, more than 3 billion people from Asia and other countries depend on rice (Oryza sativa) as their staple food, and by 2025 at least 60% more rice must be produced to meet the demands of the growing human population (Yarasi et al., 2008). Currently, rice yield around the world are just barely enough to support the people that depend on rice as food (Karaba et al., 2007). This problem has become worrying because food shortage related to rice may escalate out of control and sends billions into starvation. Factors affecting rice production This shortage may be caused by biotic and abiotic factor (Capell et al., 2004). Plants had to face periodic or unpredictable biotic and abiotic stresses, such as salt, drought, cold, pests, and disease. The most significant abiotic stresses faced by plant are high salt environment and drought. These stresses inhibit crop growth and development and usually result in plant death. As crops fail, the production of food will decrease accordingly. Biotic Interference Production of rice is negatively impacted by numerous biotic factors includes insect infestation and microorganism invasion. An approximate 52% of the global production of rice is lost annually owing to the damage caused by biotic factors, of which around 21% is attributed to the attack of insect pests (Brookes and Barfoot, 2003). Insects belonging to plant hopper (Delphacidae) and leaf hopper (Cicadellidae) are hard to control and monitor. So, a lot of rice yield are lost due to insect infestation. Insects not only cause direct losses to the agricultural produce but also act as vectors for various plant pathogens that causes disease (Dahal et al., 1997; Foissac et al., 2000)The most known pests of rice are viz, brown planthopper (Nilaparvata lugens, BPH), green leafhopper (Nephotettix virescens, GLH) and whitebacked planthopper (Sogatella furcifera, WBPH) are known to cause severe damage. They have a hugh appetite for plant sap, and in large numbers, they can suck the sap of plants to the point where plants will lose important nutrient in sap and die. They also act as vectors for major viral diseases (Yarasi et al., 2008). Abiotic Interference Plants are non motile organism and needs to find suitable environment to continue on growing. Sometimes the environmental conditions are not suitable for them. So the challenge is the plants had to adapt to its environment by some biological mechanisms that are able to help plants to flourish in stressful environment. They manage to do so by series of event. First sensing a stress, and then signaling the stress through a series of components, leading to activation of a large number of stress-related genes and synthesis of a variety of functional proteins. This includes transcription factors, enzymes, molecular chaperones, ion channels, and transporters (Zhou et al., 2009). Functional proteins helps the plant can change in their physiological and metabolic reaction according to the stress endured. This ensure the plant continue to triumph in stressful abiotic environment (Bray, 1997). Counter Measures There are numerous physical ways to counter these problems. For example, pesticides can be use for the prevention of insect infestation. However, this counter measures are not without any negative consequences. Chemical control of insect pests is an effective method but not efficient. Pesticides cause a lot more today and the usage depends mainly on the weather conditions. Uncontrolled usage of chemical pesticides will not only build up resistance in insect pests but also affect other beneficial organisms such as pollinators, nutrient cyclers and natural pest-controlling predators (Yarasi et al., 2008). They can pollute the environment and as well as depleting other natural minerals of soil. As to solve drought problems on plants growth, government had tried counter measure such as cloud seeding. Cloud seeding Cloud seeding works by the use of airplanes to spray expensive chemicals such as silver salt into the sky in hope for rain. Cloud seeding is not preferred method to reduce the effect of drought on food production because the silver salt used are very expensive and success percentage of seeding clouds are very low. Now scientists are looking forward in finding the best solution to increase the production of rice. The most interesting and the most widely studied is the t ransgenic method. Transgenic Approach Transgenic comes from the word trans-gene, which means introduction of foreign gene that is consider beneficial to the wild type species. Any foreign genes that are considered a help to confer stability of rice to environmental stress are being studied. Genetic enhancement of rice through conventional methods is often constrained by narrow gene pools. So, transgenic technology can be used as better alternative approach for hybridization of wild species genes with foreign gene to produce a better rice species in term of survivability in nature (Yarasi et al., 2008). With current advancement in biotechnology, we can look forward to produce transgenic rice that can have higher survival chance from biotic and abiotic interference. Beneficial Transgenic Effect In Rice Through transgenic method, rice will be more resistant to diseases and insects when foreign genes are introduced into the wild type rice gene to express certain proteins that repel insects (Yarasi et al., 2008). For example, is the introduction of Tobacco OPBP1 gene into rice may improve the disease resistance of rice (Chen and Guo, 2008) and the introduction of Allium sativum leaf lectin gene into rice to repel sap-sucking insect (Yarasi et al., 2008). Besides that, rice will become more likely to survive abiotic catastrophe such as drought and high salinity condition as introduction of new genes confers the ability of rice to mediate metabolic ways to react to these stresses. For example, insertion of Arabidopsis HARDY (HRD) gene in rice improves water use efficiency, the ratio of biomass produced to the water used, by improving photosynthetic assimilation and reducing transpiration (Karaba et al., 2007). There is also the insertion of Triticum aestivum salt tolerance-related gene (TaSTRG) derived from salt-tolerant wheat mutant RH8706-49 enhances salt and drought tolerance of rice (Zhou et al., 2009). Other than that, transgenic process can be used to insert a bacterial chlorocatechol dioxygenase gene into rice so that rice plants are able to degrade pesticides (chlorinated compounds) to less harmful form. Several herbicides and pesticides containing chlorinated compounds have been used and have spread in the environment. They will destroy the delicate balance of nature by many ways. If left unattended, the environment will have some non reversible consequences. Therefore, bio-remediation of these chemical compounds will be a powerful technique to degrade chlorinated pollutants in soil. Transgenic rice plants that express foreign genes encoding enzymes to degrade chlorinated chemical compounds would enable farmers to remove these harmful chemical compounds from soil and water surrounding the fields (Alexander, 1981). By applying transgenic research, rice pla nt can be further enhanced to be able to survive stresses and as well to help remediate the environment. Indirectly, the rice production will also increase so that food crisis will not happen. The Super Green Rice Project Currently, scientific community are on the verge to produce transgenic rice called Super Green Rice which possesses numerous beneficial properties such as resistances to multiple insects and diseases, high nutrient efficiency, and drought resistance (Zhang, 2009). So this new kind of hybrid rice are hoped to reduce the consumption of pesticides, chemical fertilizers, and water. Super Green Rice also needs to have high yield quality regardless of multiple stress environments (Zhang, 2009). For this production of Super Green rice to realized, they are undergoing enormous efforts to focus on identifying allthe hereditarymaterialin a single species and discovering genes for resistance to diseases and insects, nitrogen and potassium use efficiency, drought resistance, grain quality, and yield. The steps adopted include screening of germplasm collections and mutant libraries, gene discovery and identification, microarray analysis of differentially regulated genes under stressed conditions, and functional test of candidate genes by transgenic test (Zhang, 2009). Genes that are considered beneficial to the production of rice are now been isolated and are gradually incorporated into wild type rice gene. It is anticipated that such strategies and efforts would eventually lead to the development of Green Super Rice (Zhang, 2007). Problem of transgenic plant in food Transgenic research seems to have a bright and brilliant prospect ahead to help solve the world food crisis problems, but, the introduction of foreign genes into wild type rice does not come without any major public concern (Yarasi et al., 2008). In all new scientific projects worldwide, there will be problems because of the technologies and knowledge is yet to be fully explored. There are some worries that the lack of transgenic effect on food crop may have negative consequences. For example, effect of the transferred foreign toxic gene such as the Bacillus thuringiensis (Bt) insect-resistance gene to other species other than rice (Yarasi et al., 2008). This induces the rice to produces endotoxin to repel insect from eating the crops. This Bt gene inserted into food crop can help to reduce insect destruction and increase the food yield, but, there are concerns that the inserted gene into food crops will have adverse effect on the nutrient quality of crops produced (Yarasi et al., 20 08). The gene may induce the plant to undergo different metabolic process and produces toxic substances as by-product. Although with the insertion of Bt gene into rice will increase its yield, but the rice produced are not suitable for human consumption. This may cause the crops produced not fit to be consumed. Transgenic Plant and Environment Concerns Through the introduction of transgenic plant in our environment, scientist began to think about the consequences that might occur. There is concern about the consequences of transgene escape to wild type relatives. Transgenic plants have genes that are different from the wild type gene but both transgenic and non-transgenic plants are still able to communicate and transfer genes (Lu and Yang, 2009). Communicate in this term means the ability to interbreed with each other. So, the transgene can flow to the wild type species. There are three pathways for gene flow to occur which is pollen-mediated, seed-mediated and vegetative propagule-mediated gene flow (Lu and Yang, 2009). Transgenes can escape from a genetically modified (GM) crop to its wild relative species via pollen-mediated gene flow. There are many factors that can affect the pollen-mediated gene flow such as wind, animal, water current and other factors. Moreover, types of vectors for pollination and environmental conditions , such as the strength, and direction of wind, temperature, light intensity, and air humidity, will also influence pollen-mediated greatly (Lu and Yang, 2009). It is natural to have pollen-mediated gene flow because it helps in plant evolution. However, the movement of transgenes from genetically modified plant to wild type species may have adverse effect. This is because wild or weedy plants that acquire transgenes will continue to evolve, subject to natural and artificial selection in the agricultural ecosystem and beyond, posing potential ecological consequences (Lu and Yang, 2009). Once transgenes have moved into populations of wild or weedy species, it is nearly impossible to remove them from the environments if the transgenes can persist and spread in the populations. Different consequences will arise if the wild type relatives acquire transgene from genetically modified plant relative. If the transgene is able to confer favorable traits such as pest resistance, drought tolera nce, and enhanced growth ability, the transgene followed by gene flow would persist to and quickly spread in the populations of wild relatives through introgression. Then individual plants which contain the transgene are out surviving the individuals without the transgene in natural selection. This will indirectly increase the invasiveness of transgenic plant and sooner or later, the habitat will be filled with transgenic species rather than the wild type species (Lu and Yang, 2009). On the other side, if the transgene reduces the survivability of wild relatives, the frequencies of individuals that contain the disadvantageous transgene will decrease gradually. This process will cause the extinction of local populations by the so-called swarm effect (Ellstrand and Elam, 1993). Therefore, transgenes escape via pollen-mediated gene flow from a GM crop to populations of wild relatives and its ecological impacts have been a major concern. Another concern over transgene escape from GM ric e to its wild relatives is for the consequences of genetic diversity. The presence of transgenes in the germplasm of wild rice relatives may represent a form of pollution. It is theoretically possible that strong selection for fitness enhancing transgenes could generate selective sweeps, in which portions of the crop genome that are linked to these transgenes displace corresponding portions of wild genomes (Lu and Yang, 2009). This can be particular dangerous as the transgenic plant displaces its wild type relatives, the gene pool will be less diverse. So, if there is a new disease caused by new type of bacteria or viruses, and coincidently the transgenic plants lack of gene to fight off the disease, the whole population of the plant species are endangered of being wipe out and becomes extinct. Besides that, with the reduction of gene variety, there will be surely affect the plants natural evolution. As gene pool decreases, the evolution of transgenic plant in the future will not be as vary and diverse as the plants of wild type gene. The newly introduced transgenic rice may alter the soil composition and its microbes community due to its different physiological need compared to its native species. These might render the soil useless and unsuitable for other plants to grow in. Transgenic plant and health concerns Majority of people are starting to get worried about the consequences of the transgenic genomes transferred into the native species and other major complication caused. Those complications include health concerns where foreign genes are transferred into the rice gene may cause health complication. Some scientists have argued that protein products are not the only potential source of toxicity in transgenic plants (Connor and Jacobs, 1999). An experiment had been conducted when researchers fed rats either wild-type, wild-type containing lectin or transgenic potatoes expressing the lectin protein. Lectins are of commercial interest because of their pesticidal properties. The result shows that only the transgenic potato-fed group experienced physiological changes such as intestinal damage and they concluded that the genetic transformation process itself caused the observed complications. By getting the result from the rats, we can subsequently predict the analogous effect of unsuitable t ransgene on human health. Humans health is in great danger if they consume such transgenic crop. Other than that, people around the world are more alerted to the food safety of GM food that introduces allergens into the food supply. The allergenicity of the GM food is determined by the allergenicity of the substance. This means that gene products that are not allergenic normally will not become allergenic when expressed in a transgenic plant. For example, plant ferritin has no allergy cases reported, so, transgenic iron-enriched rice that contains the plant ferritin gene (Goto et al., 1999) poses no allergenicity risk. On the other side, if the gene product is a known allergen, then it will also be an allergen in a transgenic plant. As an example, when a Brazil nut albumin was expressed in soybean to boost methionine content, it resulted in nut-allergic individual reacted to the transgenic soybean(Nordlee et al., 1996). Therefore, people with an allergy to Brazil nuts would now also be allergic to those GM soybeans, even though they were not allergic to native soybean before. Ho wever, allergenicity of food is much more complicated when the allergenicity of a transgenic protein is unknown. For example, if a substance is not tested for allergenicity before, then the question may be asked if people started to consume food with the unknown substance, will they develop food allergy. There are more than 200 food allergens have been identified and sequenced (Gendel, 1998), but there is no definite sequence of protein are determined to be the source of allergenicity. Most known food allergens are stable to digestion (Ashwood et al., 1996). Therefore, proteins digestion stability test in the digestive process environment is one way to identify potential allergens. It is unlikely to reach immune cells to cause a hypersensitivity response if a protein is degraded in the stomach and small intestines. Stable proteins should be examined further. These experiments can be coupled with a comparison of sequence similarity to known allergens. Novel proteins with a significan t sequence similarity can be tested for reactivity with serum from subjects who are allergic to the homologous allergen. Although these tests may not be comprehensive in identifying potential allergenicity, the limited variety of source foods suggests that the vast majority of transgene proteins will be safe for consumption (Lehrer et al., 1996). More than 90% of the people who have food allergies are allergic to one or more of either cows milk, wheat, nuts, legumes, eggs or seafood. Transgenic plant and effect on non target species Transgenic crops that express insecticidal transgenes to control agricultural pests may also affect non-target organisms (Hilbeck et al., 1998; Losey et al., 1999; Saxena et al., 1999). Studies using corn transformed with a Bt-insecticidal transgene have non-target effects. For example, Lacewings (Chrystoperla carnea), an insect predator, suffered from higher death rates by feeding on corn destructive insect, European corn borer (Ostrinia nubilalis) reared on Bt corn. The result shows lower and more significant less death rate using corn borers raised on non-Bt-transformed plants (Hilbeck et al., 1998). However, this was a laboratory study. It would seem a low probability for lacewings to be exposed to European corn borers that have ingested Bt toxin in the field. In another study, Monarch butterfly larvae (Danaus plexippus) that consumed milkweed (Asclepias curassavica) leaves dusted with Bt-containing corn pollen had decreased feeding, growth and survival rates, compared to larvae that consumed leaves with non-transgenic corn pollen (Losey et al., 1999). This result may indicate that the usefulness of some genes to deter some destructive insect may have some adverse and unwanted consequences of other species within the food chain. This indirectly will cause some species to be greatly in danger by this newly introduced transgenic plant. If the problem persisted, some species affect maybe extinct and then it will generate cascade of negative effec t on the fragile natural food chain. Transgenic plant and resistance issue There is also the issue of insect developing resistance to the transgenic plant and thus render the transgenic plants useless. For example, the diamondback moth, an important pest to Brassica crops worldwide, was the first documented pest to develop resistance to Bt toxins applied as microbial formulations in open-field populations (Tabashnik, 1994). Until now, there is no dominantly inherited Bt resistance genes have been documented. Using this information, various resistance management strategies have been proposed to delay the resistance building by insect, with plantation of a high expressing transgenic plant coupled with a non-transgenic plant (Shelton et al., 2000). The non-transgenic plant allows Bt-susceptible pests to survive on the field population and mate with Bt-resistant individuals. The goal of this strategy is to keep the recessive Bt resistance genes at low levels in the target populations and thus limit the rate at which the entire population will acquire Bt resista nce. The effectiveness of this strategy depends on the population size (Shelton et al., 2000). Transgenic plant and ethical issue Besides that, there are also some ethical issues where transgenic rice contains foreign genes that cannot be consumed. For example, the vegetarian will think twice before consuming the transgenic rice containing animal genes inside the transgenic rice. There is a strong sense of consumerism where consumers want to know what is in their food. Transgenic plant and its economic issue Economically, there are also a few setbacks regarding the production cost and the research cost for the transgenic rice. It is true that the transgenic rice will give us more yields but there are some worries that the money needed for the production and research of transgenic rice may overcome the benefit. As commercial crops are the main applicator for transgenic research, it may be hindered to progress in poor nation. So indirectly, the transgenic rice project might be not economically feasible. However, there is still no exact amount that can be taken into account but there is a bright prospect that the benefit of higher yield will overcome the cost needed. Transgenic rice is something to look forward to in the future because it may put a stop to the world food crisis. By mastering transgenic technology, there is a hope where the perfect rice plants can be produced greatly without much interference abiotically or biotically. It also have good prospect for better future study of alteration of rice nutritional value to suit the ever more demanding human population.

Equity and Trust in UK Essay -- fully secret trust, half-secret trust

Consider the validity and effect of the following two clauses in the will of Dan: a) ‘I leave my cottage, at 42 Drumsesk Road, to my friend Gurpreet in full confidence that he will dispose of it in accordance with the instructions given to him during my lifetime’. Just before Dan signed the will, he told Gurpreet that he had left a ‘sum of money’ in the will to Gurpreet which he wanted him to hold for the benefit of Jenny. Gurpreet witnessed the will. Jenny died two days before Dan leaving two children. b) ‘I leave my residuary estate to my brothers Ken and Sam jointly’. A few days before the execution of the will Dan gave Ken a sealed envelope, saying ‘these are some instructions I want you and Sam to carry out when I die’. Ken replied ‘you know you can rely on me – if it’s fine with Sam it’s fine with me’. A year later Sam and Dan were killed in a car accident. The sealed envelope says that Dan wa nted his residuary estate to pass to his youngest son Joseph. Advise the executors of Dan’s will. Secret trust evolved as a response act to the Wills Act 1837 and was originally created to prevent fraud. As the House of Lords held that equity will not allow a statute to be used as an instrument of fraud by the secret trustee . It is a concealed arrangement made between a testator and the trustee and is made to come into force after death. A justification for ST is the ‘dehors the will’ theory which means the trusts arise outside of the will - a inter vivos trust. Its purpose is to benefit another individual that hasn’t been written in the formal will. The testator will leave property to the trustee under the will with the understanding that they will hold the property as a gift for which they will then later on be expected to pas... ...y to the real beneficiary. Therefore implying that regardless of Sam’s passing away, as Ken had obtained consent on her behalf, before the testator died, the trust will still proceed, and Joseph will obtain Dan’s residuary estate. After establishing that this trust is a FST, one must again asses as to whether this trust fulfils all the requirements needed to become binding. Intention was established when Dan gave Ken the sealed envelope with the terms of the trust. Communication was proven when Ken and Dan had an oral conversation in regards to the terms of the trust, Communication was also proven as in Re Keen stated that envelope and letter stating the terms was seen as sufficient amount of communication. Finally acceptance was proven when Ken stated â€Å"you know you can rely on me†. Concluding that the FST is binding, and Joseph will indeed receive the trust.

Blue People of Troublesome Creek :: essays research papers

The Blue people of Troublesome Creek, sounds like a title of fiction novel, but the Blue Fugates were no fictional characters, but they were real humans that lived not too far from where we are today. The Blue Fugates were a very close family live on the banks of eastern Kentucky's Troublesome Creek. Martin Fugate, a French orphan settled in Troublesome Creek and astonishingly Martin somehow managed to find a woman who carried the same, very rare disease. The disease, later discovered, was methemoglobinemia, a very rare heredity blood disorder caused by an inheritance of a gene as a simple recessive allele. What one wonders after hearing ?blue people? is if they were actually really blue in color? Well the answer is yes and no. Some of these people were, in fact, blue, but they were not completely covered with bright blue skin from head to toe. Although there were some cases though where most of an individual?s skin was blue, but for the most of them it was usually just their extremities and/or lips and parts of their face. Their color wasn?t completely blue but had more of just a bluish tint. It was not a bright blue like you are used to seeing but more or less of an ashen grayish that was mildly bluish in appearance but nevertheless they were ?blue,? some more than others. Since methemoglobinemia is a disease caused by a gene inherited as a recessive allele. To get the disease, one would have to inherit two genes, meaning one from each parent. Some of the Fugates children had just that and they had the disease while some were just carriers of the disease. Methemoglobinemia cases were significant among Alaskan Eskimos and Native Americans. The Eskimos and Native Americans were both inclusive groups that didn?t interact much with what was outside their worlds. The Blue People fit that category well because they were a very small community and since they all lived close together in small area, most of them isolated themselves from the outer world. That in turn, often led to interbreeding, where Fugates would marry other Fugates, or their neighbors, which could and very well may have been their cousins. The interbreeding kept the disease alive and spread it throughout the small community. Methemoglobinemia has no serious, life threatening effects and an individual who has the disease can live a normal healthy life.

Apathy and the Living Dead :: Exploratory Essays Research Papers

Apathy and the Living Dead It’s nothing to die; it’s frightful not to live. - Victor Hugo The word â€Å"Apathy† has its origin in Greek and literally means "without feelings." Isn’t that a description of the dead? That was what Victor Hugo was referring to when he wrote, "It’s nothing to die; it’s frightful not to live." In other words, we should not be afraid of dying, but not living. The apathetic are alive, but without feelings, so they are not living. They are the living dead. Here’s what the psychoanalyst Erich Fromm (1900-1980) had to say about the subject, "... In the 19th century the problem was that God is dead; in the 20th century the problem is that man is dead ..." He calls apathy a problem for a good reason. It is a double-edged sword that wounds both the apathetic and the society in which they live. For example, although nuclear weapons cannot destroy democracy, voter apathy can! Such is the horrific negative power of apathy. As the world’s leading democratic country, The U.S., prepares to go to the polls, voter turnout is expected to be about 36%. Wouldn’t you call that a wakeup call? What is the cause of apathy? It is often frustration and a sense of powerlessness that causes people to withdraw from life. However, the ultimate cause is their attitude, the way they react to the changing world. Let’s take a look at a specific example. Jan has recently learned that her company has been bought by another company. Within a month, she and her coworkers will learn who among them will be hired by the new company and who will lose their jobs. Overnight their sense of security has been shattered. They are experiencing apprehension and frustration. They feel that they have lost control over their lives. They complain and disengage from activity. "If the company doesn’t care about me, why should I care about it? What’s the point of working when I’m probably going to lose my job anyway?" This is an example of worker apathy. The staff has been reduced to a bunch of zombies. No one is doing their job. They are just putting in their time until that fateful day when they learn whether they have a job in the new company. There is one exception, however. And that is Jan. She is different. She has a different attitude and is living proof that apathy is not caused by events, but by our reaction to events.

Call of the Wild

Zach Maes English 2 8-30-2011 Call of the Wild 1. Some readers see the hardships and suffering of the dogs in the sled team as symbolic of workers in a Capitalistic system. Identify and explain these similarities. â€Å"He had killed man, the noblest game of all, and he had killed in the face of the law, of club and fang† (ch. 7) Capitalism is an economic system in which the workers only are paid enough to eat and survive. The dogs in the sled team have to work hard and are only fed enough to survive.The workers in the Capitalistic system are treated the same as the dogs, in which they are given the bare minimum to live, and only to live, they do not receive enough money to do more then eat. The sled dogs have to work hard like the workers, and are rewarded with food. They relate because the bare minimum is given whether it is the sled dogs or the Capitalistic workers. 2. Trace Buck’s development from a â€Å"monarch† to a working dog to a â€Å"free† dog. Specifically, how is Buck’s transitional experience a â€Å"Call of the Wild†? Consider such quotes as Pete’s: â€Å"When he was made, the mold was broke. † â€Å"His eyes turned bloodshot, and he was metamorphosed into a raging fiend. So changed was he that the judge himself would not have recognized him† (Ch. 1) Buck starts the novel as a ruler of his household. His experience becomes a â€Å"Call of the Wild† because he is an animal and that is where he naturally came from.He goes through several stages of life from living in a royal palace to working hard pulling a sled for the Canadian Government. And then to falling in love with someone that he belongs with, and then getting it all ripped away from him again. He was bred to fight, and bred to be a leader and to be alone in the wilderness, and to conquer the wilderness and to answer the â€Å"Call of the Wild†. 3. Compare Buck at the beginning of his journey with Buck at the end of his journey. What are the changes and what causes them?Would you call him a hero? Why or why not? What is the most valuable lesson learned? â€Å"He was older than the days he had seen and the breaths he had drawn. He linked the past with the present, and the eternity behind him throbbed through him in a mighty rhythm to which he swayed as the tides and seasons swayed. † (Ch. 6) At the beginning of Bucks journey he didn’t know a lot about himself, but as his journey continued he slowly began to learn more about himself, like how much pain he could handle, and how much fight he had.He learned that he could withstand anything, and he learned a lot more about himself then he could of he spent the rest of his life at the Judge’s house. He learned that he could live by himself in the wild and that he needed to kill and he needed to eat fresh meat to live. Living in the wild was what he was made to do, it was in his blood, passed down from generation to generation from his parents, and all that was needed was to be introduced to the wild, and when given that opportunity he flourished. ? London, Jack (1903). The Call of the Wild.

Continuing Case: Cory and Tisha Dumont Essay

1.Using the earnings multiple approach would result in the following life insurance calculations for Cory and Tisha. Cory’s needs= $38,000 x (1 – 0.22) x 12.46 = $369,314 Tisha’s needs= $46,000 x (1 – 0.22) x 12.46 = $447,065 Cory currently has $76,000 (2 x $38,000) of term life insurance through his employer. Consequently, Cory should consider purchasing approximately $293,000 of additional life insurance coverage. Tisha has $69,000 of term insurance through her employer, as well as a whole life policy of $50,000. She should consider purchasing an additional $328,000 of life insurance coverage ($447,065 – $119,000). While Tisha or Cory would continue to earn their salaries, if widowed, and would receive some Social Security benefits, they would experience a significant reduction in their standard of living without adequate life insurance. 2. The Dumonts, and Cory in particular, take a big risk when their life insurance is entirely in the hands of their employers. If Cory or Tisha leave their jobs, their group term coverage ends. However, they may be able to convert the group coverage to an individual policy. Since the Dumonts need additional life insurance, they should purchase individual policies to supplement the coverage they have. This will reduce the risk of later becoming uninsurable or, if they were to lose their jobs, having no life insurance at all. 3.At their stage in the life cycle, term insurance is the best option for the Dumonts. It provides the greatest amount of insurance per premium dollar. Universal and variable life policies both include cash value components, through earnings from interest or mutual funds, respectively, which increase the cost of insurance coverage. These policies also tend to have high insurance, investment and administrative expenses, which add to their cost. The option to skip the premium payment on universal life or a  variable universal life may prove too tempting, as it does for many policyholders, who subsequently let the policy lapse. The Dumonts would be well advised to purchase affordable term insurance and do their saving/investing outside of their insurance policies. 4. The life insurance policy features that should be explained to the Dumonts include: ï‚ · Type of policy: term or cash value. The Dumonts’ policies provided at work are group term insurance policies available for the duration of their employment. Tisha also has a whole life policy (cash value insurance) with $1,800 of accumulated cash value. ï‚ · Nonforfeiture clause (on Tisha’s whole life policy): options for receiving a policy’s cash value, a paid-up whole life policy with a reduced face value, or a paid-up term policy with the original policy face amount in exchange for ending the policy. The Dumonts could exercise this right if they are unable to pay the annual premiums to continue the coverage for an extended period of time. ï‚ · Beneficiary designation: persons named as primary and contingent beneficiaries to receive the death benefits from the policy. ï‚ · Coverage grace period: automatic extension, usually 30 to 31 days after a premium payme nt is due, before a policy lapses. The premium may be paid without penalty. ï‚ · Loan clause: (on Tisha’s whole life policy) describes procedures and the interest rate charged for borrowing against the policy’s cash value. ï‚ · Suicide clause: clause stating that the face amount of the policy will not be paid for a suicide death within 2 years of the purchase of a policy. ï‚ · Incontestability clause: clause stating that the insurance company cannot dispute the validity of a contract after it has been in force for a specific period, usually 2 years. ï‚ · Settlement options: section that describes alternative ways that the beneficiaries of a life insurance policy can choose to receive death benefits. ï‚ · Riders: special provisions added to a policy that either provide extra benefits or limit the insurance company’s liability. Riders attached to one or more of the Dumonts’ policies could include: guaranteed insurability, multiple indemnity, COLA, waiver of premium for disabili ty, or living benefits. 5. Life insurance is meant to provide funds to replace a breadwinner’s to protect and support dependents. Chad and Haley are dependents, not income providers. Therefore, the purchase of life insurance is unnecessary and not recommended. The Dumonts should use the money they would spend on policies for the children to increase their own coverage. The claim that Chad and Haley would always be insured is only relevant if (1) the Dumonts continue the premium payments and (2) there is a high probability, based on family health history, that Chad or Haley will contract cancer, diabetes, or heart disease. Otherwise, they will be eligible for insurance in the future and there is no need for â€Å"permanent† coverage starting at this young age. 6. As a â€Å"comprehensive major medical insurance policy,† the Dumonts’ coverage includes basic health insurance for hospital, surgical, and physician expense needs, as well as major medical expense coverage. The latter is very important to extend the basic coverage to protect the Dumonts from the financial effects of a catastrophic illness or accident. The policy has a very adequate lifetime cap of $3,000,000 per insured. The Dumonts should continually analyze the health plans from both employers to determine which offers the best overall plan. But, the annual coinsurance, stop-loss amount, and family deductible, are all standard policy features with reasonable amounts. They are currently paying annual premiums of $2,700 for the coverage, but the monthly opt out fee, from Cory’s employer, effectively reduces this by $1,020 (less the taxes paid on the increased income). Overall, their health care coverage is very cost effective, so no changes are recommended. 7.The Dumonts have four options for paying a $5,000 medical bill incurred through an auto accident, including payment by: Health insurance. Medical expense coverage with their auto insurance.  Bodily injury liability coverage on an auto policy, assuming someone else was at fault for the accident. Personal funds, or out-of-pocket. These funds would supplement the health insurance coverage, or be the only source of payment, should the Dumonts not have health insurance. Luckily, they do. Expenses for an emergency appendectomy would be covered through health  insurance and personal funds. Assuming no one else has made a claim this year, Tisha’s health insurance would pay $3,600: the $5,000 medical bill minus the $500 deductible and the $900 of co-insurance (0.20 x $4,500). Tisha would be responsible for the $1,400 of deductible and co-pay expenses because the Dumonts’ out-of-pocket expenses for the year have not yet exceeded the $5,000 stop-loss limit. 8. Advantages for the Dumonts of switching to an HMO include: regular physical examinations and preventive care, minimized paperwork, and lower costs. Tisha may be able to reduce the $225 monthly premium charged for her current coverage. Disadvantages associated with an HMO focus on concerns about quality of care stemming from the incentive system—quick, cursory services and the difficulty in receiving a referral, particularly outside the geographic region. Some fear the system does not allow for building a trusting relationship with a well-qualified physician. Restrictions on physician choices and the associated level of reimbursement vary with the HMO system: individual practice association, group practice plan, or a point-of-service plan. The Dumonts need to thoroughly comparison shop the plans; Checklist 9.2, Choosing an HMO, should be helpful. If Tisha switches to a PPO, costs and paperwork may also be reduced. Members, typically representing an employer group, receive health care at a reduced cost—with the negotiating power of the group determining the level of discount. The disadvantage of a PPO is that participants must seek medical services from participating doctors and hospitals, thereby limiting their choice of care. With a PPO, a participant can go to a non-member doctor but must pay an additional, or penalty, co-payment to do so. 9.Assuming Tisha works for an employer with 20 or more employees, she is eligible—under the federal COBRA law—to continue health insurance coverage for 18 to 36 months, depending on the reason for leaving the company. Tisha would be responsible for the full cost of coverage, but it may be less expensive than an individual policy. Although this does not apply to every â€Å"opting out† situation, the Dumonts also have the option of enrolling for Cory’s health coverage. According to the Health Insurance Portability and  Accountability Act of 1996, employees and their dependents must be allowed special enrollment rights, beyond the open-enrollment period, (1) if they declined coverage because of coverage through another plan or (2) if their family situation changes (e.g., marriage, birth, adoption). The former situation applies to the Dumonts, so if Tisha loses her family medical coverage, the Dumonts could enroll on Cory’s plan. To insure protection from preexisting condition exclusions, it would be important that the Dumonts arrange for continuous enrollment, with no breaks or lapses between policies. Should Tisha decide to become a self-employed accountant, the Dumonts would have another option besides Cory’s coverage. The household would be eligible for a high deductible health plan and a Health Savings Account (HSA). Access to a HSA is limited to the self-employed, small business owners, employers of small to medium-sized businesses that offer very limited health benefits, and those under age 65 who individually pay for health care—all of whom must have a qualified high-deductible health plan. The combination is cost effective because high-deductible plans have lower premiums and annual HSA contributions (limits apply) are an adjustment to income, so the funds are not taxed and they grow tax-deferred, and tax free, if spent according to the HSA rules. The HSA funds accumulate for paying health care costs incurred prior to meeting the annual deductible or for health care expenses not covered by the high-deductible health plan. Funds not spent remain in the account for future expenses, such as for health expenses after retirement or long-term care expenses. 10. Disability insurance policy features that Cory and Tisha should purchase include: ï‚ · Definition of disability: Tisha and Cory should look for a policy that provides coverage if they can’t perform the duties of their current occupations (i.e., accounting and retail management). ï‚ · Residual or partial payments benefits: this policy feature provides partial payments if they were disabled and unable to return to work full-time, but could return part-time. ï‚ · Benefit duration: the Dumonts should select policies that provide benefits until retirement age (e.g., 65) or for their lifetime. ï‚ · Waiting or elimination period: the Dumonts should select a realistic waiting  period (i.e. one to six months) during which they would have to â€Å"absorb† the income lost. They should consider their employer’s sick day policy (e.g., whether or not sick days can be accumulated) and emergency fund when selecting an elimination period. The longer the delay, t he lower the premium. ï‚ · Waiver of premium: this important provision waives premium payments if a policyholder becomes disabled. ï‚ · Noncancelable: this provision protects against both policy cancellation and future rate increases and guarantees that the policy is renewable. ï‚ · Rehabilitation coverage: this provision provides for employment-related educational or job-training programs. 11.The Dumont’s $25,000 HO-4 renter’s policy amount is probably sufficient given their estimated personal property value of $12,000. However, their property insurance coverage is inadequate for two major reasons: ï‚ · It lacks replacement cost coverage on personal property, which provides for the actual replacement cost of a stolen or destroyed item (e.g., stereo equipment). Currently, the $25,000 coverage is actual cash value, or coverage for the depreciated cost of property. ï‚ · It lacks a personal articles floater to increase the limit of coverage on Tisha’s $19,700 antique jewelry collection. To improve their coverage, Cory and Tisha should add a replacement cost rider and a personal articles floater to the existing HO-4 policy. Increasing the deductible could offset a premium increase. See the response to question 14 below for other cost saving ideas. 12.The Dumont’s auto insurance is inadequate because of its low liability limits. The 25/50/25 split liability and property damage limit is extremely low in relation to current medical, repair, and liability costs. The Dumonts should increase their liability limits to at least 100/300/50. Otherwise, they could be liable for judgments in excess of their current liability limits. Higher limits, such as 200/600/100, are also available. The Dumonts also have low uninsured motorist coverage limits. These, too, should be increased to a minimum of 100/300/50 to provide adequate protection against negligent drivers who carry no or inadequate liability coverage. The $20,000 of medical expense coverage is far lower than the recommended $50,000 of coverage per person. Assuming the Dumonts increase their  emergency fund or other savings, they should increase the $200 deductible amounts. 13.Cory and Tisha’s current auto insurance policy would pay $25,000 for bodily injury losses incurred by any one person hurt in the accident, a total of $50,000 for bodily injury losses incurred by all persons hurt in the accident, and $25,000 for property damage if they were judged to be at fault. In other words, these are maximum liability coverage limits. If the accident resulted in a total of $65,000 of bodily injury losses to more than one person, the Dumonts would be personally responsible for arranging payment for the remaining $15,000. However, if the $65,000 in bodily injury losses were incurred by only one individual, the Dumonts would be personally liable for $40,000. This coverage is not adequate; the Dumonts are risking their financial future in lieu of paying a slightly higher annual premium. 14.To reduce the cost of property and liability insurance, the Dumonts could: Make every effort to keep their insurance credit score high, to qualify for lower premium rates. Increase insurance deductibles (e.g., $200 to $500 or higher). ï‚ · Take advantage of multiple policy discounts (e.g., HO-4 and auto insurance with the same company). ï‚ · Pay insurance premiums less frequently (e.g., annually or semi-annually instead of monthly). ï‚ · Shop around and compare the costs of at least three insurance providers. ï‚ · Consider only high quality insurers, and possibly a direct writer. ï‚ · Install security systems or smoke detectors. ï‚ · Inquire about ANY other available discounts; these can vary significantly by company and may relate to the property (home or auto, such as fire-resistant building materials, auto passive restraints or anti-theft devices) or the characteristics of the policyholder (e.g., over age 50 or 55, noncommuter, or good student). ï‚ · Buy a car that is cheaper to insure and consider low â€Å"damageability† models; be sure to check insurance rates when auto shopping. ï‚ · Drive less (e.g., fewer miles, join a carpool) and improve driving records. ï‚ · Double check your policy to insure that all features and endorsements are included as planned; a claim could be costly that you  thought was covered, but was not because of an oversight in the policy. ï‚ · Include adequate liability insurance to avoid paying damage awards from personal assets or income. 15.When the Dumonts become homeowners, they should purchase an HO-3 policy. An HO-3 policy is the most comprehensive of available policies for homeowners because it covers losses to the structure from all perils except those that are specifically excluded. Typical excluded perils include flood, earthquake (supplemental coverage is available for both, if needed), war, and nuclear accident. Coverage on an HO-3 policy on the contents is limited to the named perils coverage provided in a broad, or HO-2 policy. The Dumonts should strongly consider adding personal property replacement cost coverage for their contents. The additional premium cost of 5 to 15 percent over the cost of a policy without this coverage is meager when compared to the increased level of reimbursement. Inflation guard and personal articles floaters—particularly for Tisha’s antique jewelry or any other items that exceed the value of the policy limits—should also be added. The minimum level of $100,000 of personal liability coverage is likely inadequate, and should be increased to $300,000 to $500,000. However, the Dumonts should review this relative to their individual situation (i.e., pets owned or other unique situations). Cory and Tisha should consult Checklist 10.2, A Checklist for Homeowner’s Insurance, when shopping. An umbrella policy extends the liability coverage of the auto and homeowner’s policies owned by the insured. An umbrella policy protects against large lawsuits and judgments associated with your home or auto. Umbrella policies do not cover activities with the intent to cause harm, activities with aircraft and some watercraft, and most business and professional activities. The latter require a separate policy. Typical limits range from $1 million to $10 million; the policy does not become effective until the limits of the underlying policies have been exhausted. As the Dumonts proceed through the life cycle and attain more wealth, they may want to consider a policy of this type. However, in the interim, a more cost effective alternative may be increasing their existing liability limits to $300,000 or $500,000.