How to write a lit essay
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Tuesday, August 25, 2020
Essay --
The play ââ¬Å"An Enemy of the Peopleâ⬠centers around reality and how various characters uncover their viewpoint about it. Every one of the characters are enthused by differing things, so understudy, they act in specific ways. Subsequently, they end up in fights because of their varying sentiments about reality of the water. For instance, Mayor Peter Stockmann acts in increasingly forceful way, in light of the fact that heââ¬â¢s inspired monetarily. Specialist Thomas Stockmann endeavors to reveal reality as a result of his concern of the publicââ¬â¢s prosperity and in light of the fact that he believes that heââ¬â¢s doing the right thing. Katherine underpins Doctor Stockmann on the grounds that sheââ¬â¢s propelled by family and dedication towards her significant other. Hovstad, a political radical, yet degenerate as he appreciates working up show as long as he isnââ¬â¢t legitimately included. Everyoneââ¬â¢s roused by various things that are critical to them, regardless of whether they are correct or wrong theyââ¬â¢re steady in their convictions. Civic chairman Stockmann needed to ignore the truth as a result of cash. Money assumed a major job which moved Peter Stockmann to disregard the state of the Baths along these lines winding up in a fight with his sibling Doctor Stockmann. Since the time the town included it, much pay from the Baths, the Mayor didnââ¬â¢t need to reveal reality to people in general. City hall leader Stockmann offered the comment. ââ¬Å"Of course it will be important to raise a metropolitan loanâ⬠(Ibsen 55), this demonstrates heââ¬â¢s being avaricious and inferring that on occasion, its generally suitable to conceal reality since people will get irritated and endeavor to fix the issue. In any case, fixing the issue will take a lot of account and the Mayorââ¬â¢s dreadfully stressed over cash and notoriety. He would not place time and cash in fixing the pipelines in the Baths so he decided to conceal reality and ... ...Stockmann, Doctor. Thomas Stockmann, Katherine and Hovstad all trust that what theyââ¬â¢re doing is correct and they feel that they should shield their thoughts. Tragically to state, however Mayor Stockmannââ¬â¢s inspiration is exclusively founded on cash, Dr. Thomas Stockmannââ¬â¢s motivation is ethically reality, Katherine is stressed over the security of the family, and Hovstad, simply need to play the two sides of the wall, since he is frightened to be in the minority and terrified of the Mayor. These motivations help every individual to progress and structure their character and attitude as the play proceeds. I feel that, it was exceptionally intriguing to perceive how individuals will act so as to make themselves look great to the group. Regardless of whether it is reality, and there is one individual representing truth and one hundred representing a falsehood, individuals will forfeit and be glad to be with the untruth, since it is more individuals.
Saturday, August 22, 2020
Management - Individual Business Report Essay Example | Topics and Well Written Essays - 1500 words
The executives - Individual Business Report - Essay Example The report explains on the outer condition investigation of Brazil and its appropriateness for BlueScope to grow. SWOT examination of BlueScope Steel recognizes the inward abilities and outside circumstances, in view of which suggestions are sent for the Australian organization. Why Brazil, one of the part countries of BRIC, is the biggest nation in South American mainland and furthermore the fifth generally crowded and biggest topographical nation on the planet. It imparts its outskirts to a large group of different countries which give it a generally excellent universal availability. Brazilian GDP crosses the sign of US Dollars 1 trillion and brags off a rich supply of mineral assets (Gurmendi 2010). Industrialization is as of now at top in Brazil with autos, PCs, airplanes and other steel-concentrated ventures giving development and expansion chances to steel makers and even those working in mining industry. In the whole Latin America, Brazil positions first in the creation of iro n mineral, manganese, aluminum and ferroalloys. Steel creation stays one of the main 10 businesses and iron mineral the second biggest traded item. It stores 19,500 million tons of iron mineral stores, making it the sixth biggest iron metal holding countries of the world (Gurmendi 2010). These figures present mouth-watering possibilities for steel makers and those working in mineral based industry. This is the thing that which makes BlueScope Steel ready to enter Brazil as a piece of its business extension system. PESTL Analysis of Brazil Political States, Municipalities and Federal District establish the self-sufficient and non-various leveled political set up at Brazil. It has a just type of government and states make the most of their individual constitutions. In that capacity, laws of States don't negate with Federal Laws. Common law is offered inclination to custom-based law which is ideal for the overall population in Brazil. Work laws are additionally represented considerable authority in Brazil which goes about as defend to secure the privileges of representatives and works against incapable remote and local business rehearses. Financial Economically, Brazil has given away from of good monetary recuperation and potential to turn into a brilliant venture center point. It has upheld expansionary financial arrangement which fills the development of private utilization and capital development. Noteworthy enhancements in Brazilââ¬â¢s GDP and macroeconomic essentials, it is ready to develop at a yearly pace of 4-5% all through 2012. Utilization of judicious arrangements prompted Brazilââ¬â¢s development by 2.8% in 2006 and 4.5% in 2007 and because of increment of fares, global extension and decrease in joblessness, obligation to-GDP proportion and swelling; guarantee an excellent speculation opportunity in Brazil (International Finance Corporation 2006). Unique enactment to advance open private organizations was additionally spent in the year 2004. To help facilitated commerce, Brazilian government is additionally tying hands with creating countries and getting signatories to unhindered commerce alliances like Mercosul. Created modern area of Brazil reinforces its financial practicality (Gurmendi 2010). In view of strength of ventures like vehicle, apparatus and gear, steel, tin, PC, airplane, and so on., Brazil offers colossal development potential for steel makers. Socio-social Brazil is socially different with a blend of religions, ethnicities and festivities. While Catholicism is
Wednesday, July 29, 2020
Tremor as a Side Effect From Taking Antidepressants
Tremor as a Side Effect From Taking Antidepressants Depression Treatment Medication Print Tremor as a Side Effect From Taking Antidepressants By Nancy Schimelpfening Nancy Schimelpfening, MS is the administrator for the non-profit depression support group Depression Sanctuary. Nancy has a lifetime of experience with depression, experiencing firsthand how devastating this illness can be. Learn about our editorial policy Nancy Schimelpfening Medically reviewed by Medically reviewed by Steven Gans, MD on October 05, 2015 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on February 04, 2020 More in Depression Treatment Medication Causes Symptoms Diagnosis Types Childhood Depression Suicide In This Article Table of Contents Expand Tremor Definition Antidepressants and Tremor Other Medications Medical Conditions Diagnosis Treatment for Tremors View All Back To Top Is it normal to develop a tremor while taking an antidepressant? Which drugs may cause this symptom and how is it treated? Lets begin by talking about what a tremor is, the different types of tremors, and what other medications as well as medical conditions which may contribute to a tremor. Tremor Definition Tremor is an involuntary shaking that occurs in the head, limbs or eyelids. This shaking can occur either when you are moving or when you are attempting to hold your body still. It is usually fast (about four to 12 movements per second) and it may come and go or occur in bursts. It may subside during sleep and get worse when a person is under stress. A person might also experience head nodding or have a shaky sounding voice. There are some tremors which occur with rest and others which only occur with movement. Sometimes tremors occur with any movements, while other times they occur in response to very specific movements. A careful description of your tremor may help your doctor determine whether your antidepressant is causing your tremor of if it could be related to another condition. Antidepressant Classes and Tremor Certain types of antidepressants, such as the selective serotonin reuptake inhibitors (SSRIs) and tricyclic antidepressants can indeed cause tremor as a side effect.?? Some studies estimate that 20% of patients treated with an SSRI or tricyclic antidepressant will develop a tremor. This may occur at any time after the medication was initiated. SSRI antidepressants include;: Celexa (citalopram)Lexapro (escitalopram)Luvox (fluvoxamine)Paxil (paroxetine)Prozac (fluoxetine)Symbyax, which is Prozac plus the antipsychotic Zyprexa (fluoxetine olanzapine)Zoloft (sertraline) Tricyclic antidepressants include: Ascendin (amoxapine)Anafranil (clomipramine)Elavil (amitryptyline)Norpramin (desipramine)Pamelor (nortryptyline)Surmontil (trimipramine)Sinequan (doxepin)Tofranil (imipramine)Vivactil (protryptyline) Other Medications Which May Cause Tremors Other psychiatric medications, such as lithium and Depakote (mood stabilizers used in bipolar disorder), may also commonly cause tremor.?? Antipsychotic medications, particularly the older agents (typical antipsychotics), may cause a tremor similar to Parkinsons disease. Extrapyramidal side effects of these drugs may also include dystonia (involuntary contractions of muscles), tardive dyskinesia (abnormal facial movements such as grimacing and chewing), and akathisia, a feeling of restlessness which may sometimes mimic a tremor.?? In addition, there are a wide variety of other prescription drugs which may cause a tremor including: EpinephrineAnticonvulsants (anti-epilepsy drugs)Anti-emetics (anti-nausea drugs)Bronchodilators used for asthma and COPDSome chemotherapy drugsSome immunosuppressant medicationsSome antibioticsSome anti-viral drugsSome heart and blood pressure medicationsStimulants such as caffeine and amphetamines Medical Conditions Which May Cause Tremors Finally, there are certain medical conditions which can cause tremors, such as Parkinsons disease, alcohol withdrawal, hyperthyroidism, pheochromocytoma, Wilsons disease, and liver failure.?? How Can You Know If Your Tremor Is From Your Antidepressant? In order to determine whether your tremor is indeed related to your antidepressant, your doctor will do a physical exam and ask you questions about your medical history, including what medications you are taking. Generally, this is enough to determine if your antidepressant is causing your tremor, although your doctor may order additional testing if she needs to rule out any other potential causes. Treatment for Antidepressant-Induced Tremors Perhaps the best solution for tremor caused by antidepressants is to stop taking the drug causing it and switch to a different medication. Tremor will generally resolve over time after the offending medication has been ceased, but occasionally a tremor caused by SSRIs may persist. Sometimes, however, you may be doing so well on your medication that you dont want to change it for fear of returning depression. If this is the case, your doctor may opt to add an additional medication to control your tremors, such as a beta-blocker, a benzodiazepine, Mysoline (primidone,) Topamax (topiramate,) or Neurontin (gabapentin.)?? A Word From Verywell Certain classes of antidepressants, particularly SSRIs and tricyclic antidepressants are commonly associated with the development of tremor. Other medications and medical conditions which can cause tremor may increase the likelihood of a tremor. Diagnosis is usually accomplished by taking a good history and doing a physical exam alone, but other tests may be needed especially if it is unclear whether your tremor is related to your antidepressant or an unrelated medical condition. The easiest treatment for antidepressant-induced tremor is simply discontinuing the drug, but this is not always possible. There are several types of medications which can be used to reduce the tremor while continuing the antidepressant if needed.
Friday, May 22, 2020
Hamletââ¬â¢s Madness in Craft Essay - 887 Words
In Act I, Scene V, after hearing the ghostââ¬â¢s demand for revenge, Hamlet says in advance that he will consciously feign madness while seeking the opportune moment to kill Claudius. Therefore, it is hard to conclude that he coincidentally became insane after making such a vow. Hamletââ¬â¢s supposed madness becomes his primary way of interacting with the other characters during most of the play, in addition to being a major device that Shakespeare uses to develop his character. Still, the question remains: Is Hamlet really crazy or just pretending? The major conflict which seems obscures the possibility of obtaining clarity on the answer to this question is Hamletââ¬â¢s inability to find any certain moral truths as he works his way toward revenge.â⬠¦show more contentâ⬠¦During their conversation, Hamlet calls the old man a ââ¬Å"fishmongerâ⬠and irrationally responds to his questions. Still, many of Hamletââ¬â¢s seemingly lunatic statements disguise pointed observations about Poloniusââ¬â¢s conceit and old age. In fact, Polonius himself comments that while Hamlet is not of right mind, his words are often ââ¬Å"pregnantâ⬠with meaning (II.ii.206). Then, in Act III, Scene I, Claudius and Polonius eavesdrop on Hamletââ¬â¢s conversation with Ophelia so as to establish whether Hamletââ¬â¢s madness stems from his lovesickness over Ophelia. However, before we, the audience, see this encounter, we already think we know more than Claudius does in that we know that Hamlet is only acting crazy, and that heââ¬â¢s doing it to hide the fact that he is studying and plotting against his uncle. Therefore, we the audience suppose that it cannot be true that Hamlet is acting mad because of his love for Ophelia. Yet, Hamletââ¬â¢s vindictive attitude toward her throws everything we think we know into question. Does Hamlet mean what he says to Ophelia? To be sure, it is another question for a later date. In Act III, Scene II, Hamlet app ears to be more self-controlled, given that he skillfully manipulates Rosencrantz and Guildenstern and his speaks freely with Horatio. The facility with which Hamlet alternates between passionate, erratic behavior and rational, focused behavior seems to prove that he is not insane after all. While he is excited yet articulate during his conversationShow MoreRelatedHamletââ¬â¢s Madness in Craft Essay868 Words à |à 4 PagesIn Act I, Scene V, after hearing the ghostââ¬â¢s demand for revenge, Hamlet says in advance that he will consciously feign madness while seeking the opportune moment to kill Claudius. Therefore, it is hard to conclude that he coincidentally became insane after making such a vow. Hamletââ¬â¢s supposed madness not only becomes his way of relating to the other characters during the majority of the play, but also that which develops his character as throughout the play. Still, the question remains: Is HamletRead MoreEssay on Hamlets Antic Disposition1487 Wo rds à |à 6 PagesHamlets Antic Disposition à à à à à In William Shakespeares famous tragedy Hamlet, the main character of the story is one majestically elaborated, aside from being quite complex. There are infinite volumes written about this character because Shakespeare leaves no firm proof of many of his character traits. Yet on Hamlets antic disposition, meaning his obviously absurd temperament or madness, Shakespeare leaves plenty of reason to believe that it is feigned, meaning that it is simply a ployRead MoreHamlet, By William Shakespeare1640 Words à |à 7 PagesHoratio and Marcellus, that he is going to assume an ââ¬Å"antic disposition,â⬠it is commonly debated as to whether or not Hamlet actually delves into madness (1.5.192). Hamletââ¬â¢s display of control over both his thoughts and his actions, coupled with the fact that many other characters doubt his madness, makes it evident that Hamlet never does descend into true madness. Many believe that Hamlet first displays his insanity when he meets with the ghost of his father, saying that by taking the walk late at nightRead MoreMadness; Real or Fake?747 Words à |à 3 Pages ââ¬Å"There is no great genius without a mixture of madness,â⬠a quote said by the famous philosopher Aristotle. There have been times in history where madness has been faked, and many times the mad person was caught, but, it is also not impossible to fake madness. This is shown in the tragic history of Hamlet written by William Shakespeare, where the title characterââ¬â¢s madness is definitely faked. Hamlet is a genius who uses madness to develop his idea of revenge. Hamlet has admitted to faking it, notRead MoreMadness In Hamlet Essay869 Words à |à 4 Pagesguilty of the murder of his brother, King Hamlet. To avoid anyone discovering him, he maintains his crazy act in front of his own love interest, Ophelia, perplexing her to the point of lunacy. One of the main contributors to Opheliaââ¬â¢s authentic madness is Hamletââ¬â¢s pretense of insanity, leading to both Hamlet and Opheliaââ¬â¢s ultimate defeat. From the ââ¬Å"big-pictureâ⬠point of view, it may seem that Hamlet has genuinely gone mad, but there are many instances where Hamlet alludes to his forgery. The first instanceRead MoreWilliam Shakespeare s Hamlet, The Most Famous Being Hamlet s Own Emotional State1661 Words à |à 7 Pagesplay, the most famous being Hamletââ¬â¢s own emotional state. His madness, triggered by his incestuous uncle, has led several scholars to explore the psychological causes of his madness. This research into Hamletââ¬â¢s madness will explore his madness in comparison to other characters, the psychoanalytical studies behind his madness, and defining whether his madness is genuine or another play within the play. His mother and his uncle have married after only 2 months of Hamletââ¬â¢s fatherââ¬â¢s death. This has causedRead MoreHamlet by William Shakespeare656 Words à |à 3 PagesThe play is divided into six acts and is set in medieval Denmark. It is about Hamletââ¬â¢s revenge on his uncle, Claudius, for murdering his father. Hamlet is widely considered one of Shakespeareââ¬â¢s greatest achievements; hundreds of theories have been spawned over the past four centuries. However, one of the most interesting aspects is the psychology behind it. There is plenty of psychological depth behind Hamletââ¬â¢s madness. One could easily argue that Hamlet isnââ¬â¢t actually mad. Hamlet understandsRead MoreEssay about Is Hamlet Mad or Mad in Craft?1123 Words à |à 5 PagesIs Hamlet Mad or Mad in Craft? Madness is defined as the state of being mentally ill or having extremely foolish behavior. It is a condition in which is difficult to identify whether it is true or not. In William Shakespeares masterpiece, Hamlet, there is confusion as to whether or not his madness is real. The ghost of his father asks Hamlet to avenge his death. While he tries to accomplish this, he puts on an antic disposition. The antic disposition reoccurs throughout the play, but is merelyRead MoreGender Roles In Shakespeares Ophelia And Hamlet1258 Words à |à 6 PagesShakespeare writes Ophelia has a character capable of reason, yet denies her the ability of reasoning. At the start of the play, there is little evidence that Ophelia will display the madness that will take her. However, one may deduce that her ideas of Hamletââ¬â¢s vows to her are the first signs of Ophelia s madness. Laertes tries his best to convince Ophelia that ââ¬Å"if [Hamlet] says he loves [her],/ it fits [her] wisdom [...] to belie ve itâ⬠(1.3.24). By this, it could be assumed that Laertes is predictingRead More The Mood Swings of Hamlet in Shakespeares Hamlet Essay768 Words à |à 4 Pageswhen he hears of his fathers murder. No one knows if his madness is a show like he says or real like it seems. It seems as if there are two Hamlets in the play. One that is sensitive and an ideal prince and the insane uncivilized Hamlet, who from an outburst of passion and rage slays Polonius with no feeling of remorse and then talks about lugging his guts into another room. This is why I say Hamlets madness is less than madness and more than pretend. Hamlet says he is just acting mad when
Saturday, May 9, 2020
American Views On Kinship And Social Relations - 893 Words
Kinship is an area we talked about extensively in class because it represents a huge part of many peopleââ¬â¢s lives. This ideal is found throughout and delegates the lives of many individuals throughout thousands of cultures. In ââ¬Å"Motorcycles, Membership, and Belongingâ⬠McCurdy says that if an Indian couple were to come to the United States for the first time they might be, ââ¬Å"surprised by [the lack of] American social relations.â⬠(McCurdy 2014:209) In this essay I will be describing how American views on kinship and social relations vary from those of Indians through both personal experience and learned information. First lets highlight what kind of roles kinship and social relations play in the lives of these potential Indian tourists. Kinship groups, to Indians, are an essential part of life; kinship is something that makes various decisions for an individuals life, some of those include: who you marry, what you inherit, and your level of status in the family. Throughout most of India, people use patrilineal descent to establish kinship; this means that only males are part of the descent group. In this kind of descent extended family is an integral part of an individuals life because many generations all live together under one roof. For example, one may grow up in a household with their grandparents, uncles and their wives and children, and even older brotherââ¬â¢s wives and kids. This way of life keeps familial land and resources all under one roof rather than spreadingShow MoreRelatedLiterature Through The Use Of Ethnographies1389 Words à |à 6 Pagesopinions amongst social findings that continue to develop our understanding of societal behaviours. This notion is evident in Undoing Kinship which explores the meaning of Kinship and further, how it is understood and exercised in different cultures. It is through this text that we, as readers, and others, as Anthropologists, begin to question our own knowledge of Kinship and review these viewpoints in aid of a wider Anthropological conversation. Undoing Kinship focuses on how kinship is formed, maintainedRead MoreAnalyze Native American Societies1482 Words à |à 6 Pagesessay will analyze Native American societies for world view and cultural and institutional differentiation. In so doing, we will discuss the possibilities or the lack of endogenously generated social change within American Indian societies and cultures. Mainly this essay will concentrate on two important aspects of world view that contribute to conservatism in Native American cultures. The two aspects are as follows, holistic Native American beliefs versus dualistic world views, and in so discussingRead MoreKinship : Who Are We?762 Words à |à 4 PagesWho Are We? Kinship can help define who we are, through the values we subscribe to, where we live, and even our political and religious beliefs. Kinship, or families, are a part of all societies, and has been said to be the most basic of all social institutionsââ¬âit is how people of different cultures categorize the people they are connected to, and that has a lot of influence on a personââ¬â¢s life. But kinship doesnââ¬â¢t always equal family. Iââ¬â¢ve heard the phrase, ââ¬Å"she is like kin to us.â⬠Thatââ¬â¢s becauseRead MoreMy Own Culture, Race, Ethnicity, And Kinship1374 Words à |à 6 PagesIn todayââ¬â¢s society, oneââ¬â¢s own culture, race, ethnicity, and kinship is an important aspect to describing an individual. This relationship can be effected in terms of physical appearance and social situations within ones everyday life. Throughout my own life, family and kinship has positively influenced my own values and morals. Because of these aspects, I have exper ienced some stereotypes of my own race. Throughout my life, my family has impacted how I have looked upon my own morals and valuesRead MoreSocial Organization and Laws in the Trobiand Islands1611 Words à |à 6 Pages 1985, 12). Laws are essential in every culture regardless of ââ¬Å"whether ââ¬Ësavageââ¬â¢ or ââ¬Ëcivilizedââ¬â¢ (Malinowski, 1985, 13). Malinowski believed that all societies had laws, rules, and customs that are followed; in addition to hard laws, there are also social morals and obligations that are followed. It may be culture specific, but it exists in all cultures. Malinowski argued that ââ¬Å"there is a number of laws, taboos and obligations in every human culture which weigh heavily on every citizen, demand greatRead MoreAlfred Herbert Radcliffe-Brown : Understanding Of The Sociological Paradigm761 Words à |à 4 PagesThe three major Sociological Paradigms are Structural Functionalism, Social Conflict, and Symbolic Interactionist. The Structural Functionalism sociological theorist tha t I will be focusing on will be Alfred Reginald Radcliffe-Brown, a British sociologist. The Social Conflict theorist will be Ralf Gustav Dahrendorf, a German sociologist. And for Symbolic Interactionist sociological theorist will be Herbert George Blumer, an American sociologist. Alfred Reginald Radcliffe-Brown was born in BirminghamRead MoreThe Sapir-Whorf Hypothesis982 Words à |à 4 Pagesintroduces the Sapir-Whorf Hypothesis, which claims that language has strong influence on culture. He then discusses the study of kinship terms, (folk) taxonomies, color terms, prototypes, and taboo and euphrmisms used in different cultures to furthur support the hypothesis. The Sapir-Whorf Hypothesis illustrates the stucture of one language strongly affect the world-view of its speakers. Wardhaugh first quotes the explaination from Sapir and Whorf to demonstrates a clear outline of the Sapir-WhorfRead MoreGender Analysis : Love, Gold, And The Shadows Of Affluence By Pierrette Hondagneu Sotelo1515 Words à |à 7 PagesWGS 203: Gender in the Contemporary World Prof. Grace Cho Fall 2015 Final Exam Throughout history, people around the world are encountered with social structures that may positively shape their lives or may lead to the view of life as a burden. The social structures placed upon us shape the way we view and handle our economical and political values. Global inequalities of wealth and power have increasingly created an abundance of gendered structural violence. These instances can be clearly seenRead MoreSocietys Major Institutions: Education, Economics, Religion, and Political sectors.1608 Words à |à 7 Pagesbased on the teachings of values, norms, statuses, and roles. The family is designed to guide sexual activity, socialization, and social relations within a sexual union (Sociology of the Family). Every family is run differently under different circumstances and beliefs. In America, there are many different types of kinships and many different ways each of these kinships are run. The family of procreation consists of parents residing with their biological children. There is also the family of orientationRead MoreWhat Is the Relationship Between ââ¬Å"Biologyâ⬠and Kinship Systems?2505 Words à |à 11 PagesQ. What is the relationship between ââ¬Å"biologyâ⬠and kinship systems? A. Kinship can be defined as society acknowledging biological connections between people. This view however has been challenged because kinship systems are regarded now as too complex. C. Levi-Strauss (1963) argued; ââ¬Å"Kinshipâ⬠¦only exists in human consciousness.â⬠The correct way of studying the relationship between biology and kinship systems can only be made by looking at particular societies and cannot be made universally. Biology
Wednesday, May 6, 2020
The Host Chapter 30 Abbreviated Free Essays
string(99) " Would Kyle wake soon\? Would he come in search\? Where was Jeb\? I hadnââ¬â¢t seen him all day\." M el?â⬠he asked again, the hope he didnââ¬â¢t want to feel coloring his tone. My breath caught in another sob, an aftershock. ââ¬Å"You know that was for you, Mel. We will write a custom essay sample on The Host Chapter 30: Abbreviated or any similar topic only for you Order Now You know that. Not for h-it. You know I wasnââ¬â¢t kissing it.â⬠My next sob was louder, a moan. Why couldnââ¬â¢t I shut up? I tried holding my breath. ââ¬Å"If youââ¬â¢re in there, Melâ⬠¦Ã¢â¬ He paused. Melanie hated the ââ¬Å"if.â⬠A sob burst up through my lungs, and I gasped for air. ââ¬Å"I love you,â⬠Jared said. ââ¬Å"Even if youââ¬â¢re not there, if you canââ¬â¢t hear me. I love you.â⬠I held my breath again, biting my lip until it bled. The physical pain didnââ¬â¢t distract me as much as I wished it would. It was silent outside the hole, and then silent inside, too, as I turned blue. I listened intently, concentrating only on what I could hear. I wouldnââ¬â¢t think. There was no sound. I was twisted into the most impossible position. My head was the lowest point, the right side of my face pressed against the rough rock floor. My shoulders were slanted around a crumpled box edge, the right higher than the left. My hips angled the opposite way, with my left calf pressed to the ceiling. Fighting with the boxes had left bruises-I could feel them forming. I knew I would have to find some way to explain to Ian and Jamie that I had done this to myself, but how? What should I say? How could I tell them that Jared had kissed me as a test, like giving a lab rat a jolt of electricity to observe its reaction? And how long was I supposed to hold this position? I didnââ¬â¢t want to make any noise, but it felt like my spine was going to snap in a minute. The pain got more difficult to bear every second. I wouldnââ¬â¢t be able to bear it in silence for long. Already, a whimper was rising in my throat. Melanie had nothing to say to me. She was quietly working through her own relief and fury. Jared had spoken to her, finally recognized her existence. He had told her he loved her. But he had kissed me. She was trying to convince herself that there was no reason to be wounded by this, trying to believe all the solid reasons why this wasnââ¬â¢t what it felt like. Trying, but not yet succeeding. I could hear all this, but it was directed internally. She wasnââ¬â¢t speaking to me-in the juvenile, petty sense of the phrase. I was getting the cold shoulder. I felt an unfamiliar anger toward her. Not like the beginning, when I feared her and wished for her eradication from my mind. No, I felt my own sense of betrayal now. How could she be angry with me for what had happened? How did that make sense? How was it my fault that Iââ¬â¢d fallen in love because of the memories she forced on me and then been overthrown by this unruly body? I cared that she was suffering, yet my pain meant nothing to her. She enjoyed it. Vicious human. Tears, much weaker than the others, flowed down my cheeks in silence. Her hostility toward me simmered in my mind. Abruptly, the pain in my bruised, twisted back was too much. The straw on the camel. ââ¬Å"Ung,â⬠I grunted, pushing against stone and cardboard as I shoved myself backward. I didnââ¬â¢t care about the noise anymore, I just wanted out. I swore to myself that I would never cross the threshold of this wretched pit again-death first. Literally. It was harder to worm out than it had been to dive in. I wiggled and squirmed around until I felt like I was making things worse, bending myself into the shape of a lopsided pretzel. I started to cry again, like a child, afraid that I would never get free. Melanie sighed. Hook your foot around the edge of the mouth and pull yourself out, she suggested. I ignored her, struggling to work my torso around a particularly pointy corner. It jabbed me just under the ribs. Donââ¬â¢t be petty, she grumbled. Thatââ¬â¢s rich, coming from you. I know. She hesitated, then caved. Okay, sorry. I am. Look, Iââ¬â¢m human. Itââ¬â¢s hard to be fair sometimes. We donââ¬â¢t always feel the right thing, do the right thing. The resentment was still there, but she was trying to forgive and forget that Iââ¬â¢d just made out with her true love-thatââ¬â¢s the way she thought of it, at least. I hooked my foot around the edge and yanked. My knee hit the floor, and I used that leverage to lift my ribs off the point. It was easier then to get my other foot out and yank again. Finally, my hands found the floor and I shoved my way through, a breech birth, falling onto the dark green mat. I lay there for a moment, facedown, breathing. I was sure at this point that Jared was long gone, but I didnââ¬â¢t make certain of that right away. I just breathed in and out until I felt prepared to lift my head. I was alone. I tried to hold on to the relief and forget the sorrow this fact engendered. It was better to be alone. Less humiliating. I curled up on the mat, pressing my face against the musty fabric. I wasnââ¬â¢t sleepy, but I was tired. The crushing weight of Jaredââ¬â¢s rejection was so heavy it exhausted me. I closed my eyes and tried to think about things that wouldnââ¬â¢t make my stinging eyes tear again. Anything but the appalled look on Jaredââ¬â¢s face when heââ¬â¢d broken away from meâ⬠¦ What was Jamie doing now? Did he know I was here, or was he looking for me? Ian would be asleep for a long time, heââ¬â¢d looked so exhausted. Would Kyle wake soon? Would he come in search? Where was Jeb? I hadnââ¬â¢t seen him all day. You read "The Host Chapter 30: Abbreviated" in category "Essay examples" Was Doc really drinking himself unconscious? That seemed so unlike himâ⬠¦ I woke slowly, roused by my growling stomach. I lay quietly for a few minutes, trying to orient myself. Was it day or night? How long had I slept here alone? My stomach wouldnââ¬â¢t be ignored for long, though, and I rolled up onto my knees. I must have slept for a while to be this hungry-missed a meal or two. I considered eating something from the supply pile in the hole-after all, Iââ¬â¢d already damaged pretty much everything, maybe destroyed some. But that only made me feel guiltier about the idea of taking more. Iââ¬â¢d go scavenge some rolls from the kitchen. I was feeling a little hurt, on top of all the big hurt, that Iââ¬â¢d been down here so long without anyone coming to look for me-what a vain attitude; why should anyone care what happened to me?-so I was relieved and appeased to find Jamie sitting in the doorway to the big garden, his back turned on the human world behind him, unmistakably waiting for me. My eyes brightened, and so did his. He scrambled to his feet, relief washing over his features. ââ¬Å"Youââ¬â¢re okay,â⬠he said; I wished he were right. He began to ramble. ââ¬Å"I mean, I didnââ¬â¢t think Jared was lying, but he said he thought you wanted to be alone, and Jeb said I couldnââ¬â¢t go check on you and that I had to stay right here where he could see that I wasnââ¬â¢t sneaking back there, but even though I didnââ¬â¢t think you were hurt or anything, it was hard to not know for sure, you know?â⬠ââ¬Å"Iââ¬â¢m fine,â⬠I told him. But I held my arms out, seeking comfort. He threw his arms around my waist, and I was shocked to find that his head could rest on my shoulder while we stood. ââ¬Å"Your eyes are red,â⬠he whispered. ââ¬Å"Was he mean to you?â⬠ââ¬Å"No.â⬠After all, people werenââ¬â¢t intentionally cruel to lab rats-they were just trying to get information. ââ¬Å"Whatever you said to him, I think he believes us now. About Mel, I mean. How does she feel?â⬠ââ¬Å"Sheââ¬â¢s glad about that.â⬠He nodded, pleased. ââ¬Å"How about you?â⬠I hesitated, looking for a factual response. ââ¬Å"Telling the truth is easier for me than trying to hide it.â⬠My evasion seemed to answer the question enough to satisfy him. Behind him, the light in the garden was red and fading. The sun had already set on the desert. ââ¬Å"Iââ¬â¢m hungry,â⬠I told him, and I pulled away from our hug. ââ¬Å"I knew you would be. I saved you something good.â⬠I sighed. ââ¬Å"Breadââ¬â¢s fine.â⬠ââ¬Å"Let it go, Wanda. Ian says youââ¬â¢re too self-sacrificing for your own good.â⬠I made a face. ââ¬Å"I think heââ¬â¢s got a point,â⬠Jamie muttered. ââ¬Å"Even if we all want you here, you donââ¬â¢t belong until you decide you do.â⬠ââ¬Å"I canââ¬â¢t ever belong. And nobody really wants me here, Jamie.â⬠ââ¬Å"I do.â⬠I didnââ¬â¢t fight with him, but he was wrong. Not lying, because he believed what he was saying. But what he really wanted was Melanie. He didnââ¬â¢t separate us the way he should. Trudy and Heidi were baking rolls in the kitchen and sharing a bright green, juicy apple. They took turns taking bites. ââ¬Å"Itââ¬â¢s good to see you, Wanda,â⬠Trudy said sincerely, covering her mouth while she spoke because she was still chewing her last bite. Heidi nodded in greeting, her teeth sunk in the apple. Jamie nudged me, trying to be inconspicuous about it-pointing out that people wanted me. He wasnââ¬â¢t making allowances for common courtesy. ââ¬Å"Did you save her dinner?â⬠he asked eagerly. ââ¬Å"Yep,â⬠Trudy said. She bent down beside the oven and came back with a metal tray in her hand. ââ¬Å"Kept it warm. Itââ¬â¢s probably nasty and tough now, but itââ¬â¢s better than the usual.â⬠On the tray was a rather large piece of red meat. My mouth started to water, even as I rejected the portion Iââ¬â¢d been allotted. ââ¬Å"Itââ¬â¢s too much.â⬠ââ¬Å"We have to eat all the perishables the first day,â⬠Jamie encouraged me. ââ¬Å"Everyone eats themselves sick-itââ¬â¢s a tradition.â⬠ââ¬Å"You need the protein,â⬠Trudy added. ââ¬Å"We were on cave rations too long. Iââ¬â¢m surprised no oneââ¬â¢s in worse shape.â⬠I ate my protein while Jamie watched with hawk-like attention as each bite traveled from the tray to my mouth. I ate it all to please him, though it made my stomach ache to eat so much. The kitchen started to fill up again as I was finishing. A few had apples in their hands-all sharing with someone else. Curious eyes examined the sore side of my face. ââ¬Å"Whyââ¬â¢s everyone coming here now?â⬠I muttered to Jamie. It was black outside, the dinner hour long over. Jamie looked at me blankly for a second. ââ¬Å"To hear you teach.â⬠His tone added the words of course. ââ¬Å"Are you kidding me?â⬠ââ¬Å"I told you nothingââ¬â¢s changed.â⬠I stared around the narrow room. It wasnââ¬â¢t a full house. No Doc tonight, and none of the returned raiders, which meant no Paige, either. No Jeb, no Ian, no Walter. A few others missing: Travis, Carol, Ruth Ann. But more than I would have thought, if Iââ¬â¢d thought anyone would consider following the normal routine after such an abnormal day. ââ¬Å"Can we go back to the Dolphins, where we left off?â⬠Wes asked, interrupting my evaluation of the room. I could see that heââ¬â¢d taken it upon himself to start the ball rolling, rather than that he was vitally interested in the kinship circles of an alien planet. Everyone looked at me expectantly. Apparently, life was not changing as much as Iââ¬â¢d thought. I took a tray of rolls from Heidiââ¬â¢s hands and turned to shove it into the stone oven. I started talking with my back still turned. ââ¬Å"Soâ⬠¦ umâ⬠¦ hmmâ⬠¦ the, uh, third set of grandparentsâ⬠¦ They traditionally serve the community, as they see it. On Earth, they would be the breadwinners, the ones who leave the home and bring back sustenance. They are farmers, for the most part. They cultivate a plant-like growth that they milk for its sapâ⬠¦Ã¢â¬ And life went on. Jamie tried to talk me out of sleeping in the supply corridor, but his attempt was halfhearted. There just wasnââ¬â¢t another place for me. Stubborn as usual, he insisted on sharing my quarters. I imagined Jared didnââ¬â¢t like that, but as I didnââ¬â¢t see him that night or the next day, I couldnââ¬â¢t verify my theory. It was awkward again, going about my usual chores, with the six raiders home-just like when Jeb had first forced me to join the community. Hostile stares, angry silences. It was harder for them than it was for me, though-I was used to it. They, on the other hand, were entirely unaccustomed to the way everyone else treated me. When I was helping with the corn harvest, for example, and Lily thanked me for a fresh basket with a smile, Andyââ¬â¢s eyes bulged in their sockets at the exchange. Or when I was waiting for the bathing pool with Trudy and Heidi, and Heidi began playing with my hair. It was growing, always swinging in my eyes these days, and I was planning to shear it off again. Heidi was trying to find a style for me, flipping the strands this way and that. Brandt and Aaron-Aaron was the oldest man whoââ¬â¢d gone on the long raid, someone I couldnââ¬â¢t remember having seen before at all-came out and found us there, Trudy laughing at some silly atrocity Heidi was attem pting to create atop my head, and both men turned a little green and stalked silently past us. Of course, little things like that were nothing. Kyle roamed the caves now, and though he was obviously under orders to leave me in peace, his expression made it clear that this restriction was repugnant to him. I was always with others when I crossed his path, and I wondered if that was the only reason he did nothing more than glower at me and unconsciously curl his thick fingers into claws. This brought back all the panic from my first weeks here, and I might have succumbed to it-begun hiding again, avoiding the common areas-but something more important than Kyleââ¬â¢s murderous glares came to my attention that second night. The kitchen filled up again-Iââ¬â¢m not sure how much was interest in my stories and how much was interest in the chocolate bars Jeb handed out. I declined mine, explaining to a disgruntled Jamie that I couldnââ¬â¢t talk and chew at the same time; I suspected that he would save one for me, obstinate as ever. Ian was back in his usual hot seat by the fire, and Andy was there-eyes wary-beside Paige. None of the other raiders, including Jared, of course, was in attendance. Doc was not there, and I wondered if he was still drunk or perhaps hung-over. And again, Walter was absent. Geoffrey, Trudyââ¬â¢s husband, questioned me for the first time tonight. I was pleased, though I tried not to show it, that he seemed to have joined the ranks of the humans who tolerated me. But I couldnââ¬â¢t answer his questions well, which was too bad. His questions were like Docââ¬â¢s. ââ¬Å"I donââ¬â¢t really know anything about Healing,â⬠I admitted. ââ¬Å"I never went to a Healer afterâ⬠¦ after I first got here. I havenââ¬â¢t been sick. All I know is that we wouldnââ¬â¢t choose a planet unless we were able to maintain the host bodies perfectly. Thereââ¬â¢s nothing that canââ¬â¢t be healed, from a simple cut, a broken bone, to a disease. Old age is the only cause of death now. Even healthy human bodies were only designed to last for so long. And there are accidents, too, I guess, though those donââ¬â¢t happen as often with the souls. Weââ¬â¢re cautious.â⬠ââ¬Å"Armed humans arenââ¬â¢t just an accident,â⬠someone muttered. I was moving hot rolls; I didnââ¬â¢t see who spoke, and I didnââ¬â¢t recognize the voice. ââ¬Å"Yes, thatââ¬â¢s true,â⬠I agreed evenly. ââ¬Å"So you donââ¬â¢t know what they use to cure diseases, then?â⬠Geoffrey pressed. ââ¬Å"Whatââ¬â¢s in their medications?â⬠I shook my head. ââ¬Å"Iââ¬â¢m sorry, I donââ¬â¢t. It wasnââ¬â¢t something I was interested in, back when I had access to the information. Iââ¬â¢m afraid I took it for granted. Good health is simply a given on every planet Iââ¬â¢ve lived on.â⬠Geoffreyââ¬â¢s red cheeks flushed brighter than usual. He looked down, an angry set to his mouth. What had I said to offend him? Heath, sitting beside Geoffrey, patted his arm. There was a pregnant silence in the room. ââ¬Å"Uh-about the Vulturesâ⬠¦Ã¢â¬ Ian said-the words were forced, a deliberate subject change. ââ¬Å"I donââ¬â¢t know if I missed this part sometime, but I donââ¬â¢t remember you ever explaining about them being unkindââ¬â¢Ã¢â¬ ¦?â⬠It wasnââ¬â¢t something I had explained, but I was pretty sure he wasnââ¬â¢t really that interested-this was just the first question heââ¬â¢d been able to think of. My informal class ended earlier than usual. The questions were slow, and most of them supplied by Jamie and Ian. Geoffreyââ¬â¢s questions had left everyone else preoccupied. ââ¬Å"Well, weââ¬â¢ve got an early one tomorrow, tearing down the stalksâ⬠¦Ã¢â¬ Jeb mused after yet another awkward silence, making the words a dismissal. People rose to their feet and stretched, talking in low voices that werenââ¬â¢t casual enough. ââ¬Å"What did I say?â⬠I whispered to Ian. ââ¬Å"Nothing. Theyââ¬â¢ve got mortality on their minds.â⬠He sighed. My human brain made one of those leaps in understanding that they called intuition. ââ¬Å"Whereââ¬â¢s Walter?â⬠I demanded, still whispering. Ian sighed again. ââ¬Å"Heââ¬â¢s in the south wing. Heââ¬â¢sâ⬠¦ not doing well.â⬠ââ¬Å"Why didnââ¬â¢t anyone tell me?â⬠ââ¬Å"Things have beenâ⬠¦ difficult for you lately, soâ⬠¦Ã¢â¬ I shook my head impatiently at that consideration. ââ¬Å"Whatââ¬â¢s wrong with him?â⬠Jamie was there beside me now; he took my hand. ââ¬Å"Some of Walterââ¬â¢s bones snapped, theyââ¬â¢re so brittle,â⬠he said in a hushed voice. ââ¬Å"Docââ¬â¢s sure itââ¬â¢s cancer-final stages, he says.â⬠ââ¬Å"Walt must have been keeping quiet about the pain for a long while now,â⬠Ian added somberly. I winced. ââ¬Å"And thereââ¬â¢s nothing to be done? Nothing at all?â⬠Ian shook his head, keeping his brilliant eyes on mine. ââ¬Å"Not for us. Even if we werenââ¬â¢t stuck here, there would be no help for him now. We never cured that one.â⬠I bit my lip against the suggestion I wanted to make. Of course there was nothing to do for Walter. Any of these humans would rather die slowly and in pain than trade their mind for their bodyââ¬â¢s cure. I could understand thatâ⬠¦ now. ââ¬Å"Heââ¬â¢s been asking for you,â⬠Ian continued. ââ¬Å"Well, he says your name sometimes; itââ¬â¢s hard to tell what he means-Docââ¬â¢s keeping him drunk to help with the pain.â⬠ââ¬Å"Doc feels real bad about using so much of the alcohol himself,â⬠Jamie added. ââ¬Å"Bad timing, all around.â⬠ââ¬Å"Can I see him?â⬠I asked. ââ¬Å"Or will that make the others unhappy?â⬠Ian frowned and snorted. ââ¬Å"Wouldnââ¬â¢t that be just like some people, to get worked up over this?â⬠He shook his head. ââ¬Å"Who cares, though, right? If itââ¬â¢s Waltââ¬â¢s final wishâ⬠¦Ã¢â¬ ââ¬Å"Right,â⬠I agreed. The word final had my eyes burning. ââ¬Å"If seeing me is what Walter wants, then I guess it doesnââ¬â¢t matter what anyone else thinks, or if they get mad.â⬠ââ¬Å"Donââ¬â¢t worry about that-Iââ¬â¢m not going to let anybody harass you.â⬠Ianââ¬â¢s white lips pressed into a thin line. I felt anxious, like I wanted to look at a clock. Time had ceased to mean much to me, but suddenly I felt the weight of a deadline. ââ¬Å"Is it too late to go tonight? Will we disturb him?â⬠ââ¬Å"Heââ¬â¢s not sleeping regular hours. We can go see.â⬠I started walking at once, dragging Jamie because he still gripped my hand. The sense of passing time, of endings and finality, propelled me forward. Ian caught up quickly, though, with his long stride. In the moonlit garden cavern, we passed others who for the most part paid us no mind. I was too often in the company of Jamie and Ian to cause any curiosity, though we werenââ¬â¢t headed for the usual tunnels. The one exception was Kyle. He froze midstride when he saw his brother beside me. His eyes flashed down to see Jamieââ¬â¢s hand in mine, and then his lips twisted into a snarl. Ian squared his shoulders as he absorbed his brotherââ¬â¢s reaction-his mouth curled into a mirror of Kyleââ¬â¢s-and he deliberately reached for my other hand. Kyle made a noise like he was about to be sick and turned his back on us. When we were in the blackness of the long tunnel south, I tried to free that hand. Ian gripped it tighter. ââ¬Å"I wish you wouldnââ¬â¢t make him angrier,â⬠I muttered. ââ¬Å"Kyle is wrong. Being wrong is sort of a habit with him. Heââ¬â¢ll take longer than anyone else to get over it, but that doesnââ¬â¢t mean we should make allowances for him.â⬠ââ¬Å"He frightens me,â⬠I admitted in a whisper. ââ¬Å"I donââ¬â¢t want him to have more reasons to hate me.â⬠Ian and Jamie squeezed my hands at the same time. They spoke simultaneously. ââ¬Å"Donââ¬â¢t be afraid,â⬠Jamie said. ââ¬Å"Jebââ¬â¢s made his opinion very clear,â⬠Ian said. ââ¬Å"What do you mean?â⬠I asked Ian. ââ¬Å"If Kyle canââ¬â¢t accept Jebââ¬â¢s rules, then heââ¬â¢s no longer welcome here.â⬠ââ¬Å"But thatââ¬â¢s wrong. Kyle belongs here.â⬠Ian grunted. ââ¬Å"Heââ¬â¢s stayingâ⬠¦ so heââ¬â¢ll just have to learn to deal.â⬠We didnââ¬â¢t talk again through the long walk. I was feeling guilty-it seemed to be a permanent emotional state here. Guilt and fear and heartbreak. Why had I come? Because you do belong here, oddly enough, Melanie whispered. She was very aware of the warmth of Ianââ¬â¢s and Jamieââ¬â¢s hands, wrapped around and twined with mine. Where else have you ever had this? Nowhere, I confessed, feeling only more depressed. But it doesnââ¬â¢t make me belong. Not the way you do. Weââ¬â¢re a package deal, Wanda. As if I needed remindingâ⬠¦ I was a little surprised to hear her so clearly. Sheââ¬â¢d been quiet the last two days, waiting, anxious, hoping to see Jared again. Of course, Iââ¬â¢d been similarly occupied. Maybe heââ¬â¢s with Walter. Maybe thatââ¬â¢s where heââ¬â¢s been, Melanie thought hopefully. Thatââ¬â¢s not why weââ¬â¢re going to see Walter. No. Of course not. Her tone was repentant, but I realized that Walter did not mean as much to her as he did to me. Naturally, she was sad that he was dying, but she had accepted that outcome from the beginning. I, on the other hand, could not bring myself to accept it, even now. Walter was my friend, not hers. I was the one heââ¬â¢d defended. One of those dim blue lights greeted us as we approached the hospital wing. (I knew now that the lanterns were solar powered, left in sunny corners during the day to charge.) We all moved more quietly, slowing at the same time without having to discuss it. I hated this room. In the darkness, with the odd shadows thrown by the weak glow, it seemed only more forbidding. There was a new smell-the room reeked of slow decay and stinging alcohol and bile. Two of the cots were occupied. Docââ¬â¢s feet hung over the edge of one; I recognized his light snore. On the other, looking hideously withered and misshapen, Walter watched us approach. ââ¬Å"Are you up for visitors, Walt?â⬠Ian whispered when Walterââ¬â¢s eyes drifted in his direction. ââ¬Å"Ungh,â⬠Walter moaned. His lips drooped from his slack face, and his skin gleamed wetly in the low light. ââ¬Å"Is there anything you need?â⬠I murmured. I pulled my hands free-they fluttered helplessly in the air between me and Walter. His loosely rolling eyes searched the darkness. I took a step closer. ââ¬Å"Is there anything we can do for you? Anything at all?â⬠His eyes roamed till they found my face. Abruptly, they focused through the drunken stupor and the pain. ââ¬Å"Finally,â⬠he gasped. His breath wheezed and whistled. ââ¬Å"I knew you would come if I waited long enough. Oh, Gladys, I have so much to tell you.â⬠How to cite The Host Chapter 30: Abbreviated, Essay examples
Tuesday, April 28, 2020
Non-bank financial institution free essay sample
a) What are the categories of non bank financial institutions? b) Give similarities and differences between non banking financial institutions and commercial banks. INTRODUCTION A non-bank financial institution (NBFI) is a financial institution that does not have a full banking license. It can also be defined as a financial institution that is not supervised by a national or international banking regulatory agency. such institutions facilitate bank-related financial services, such as investment, risk pooling, contractual savings, and market brokering. NBFI can add to the health and stability of a financial system by making it complete, balanced and sophiscated. NBFIs supplement the role of commercial banks in providing financial services in the economy by serving the section of population generally not covered by banks, help improve the operational efficiency through enhanced competition in the market and improve the resilience of the financial system. NBFI also play a complementary role. They often borrow funds from banks and extend them as loans to their customers. We will write a custom essay sample on Non-bank financial institution or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page They also increase competition in the financial system. They compete with banks in deposit collection and loan advancements. NBFI play an important role in strengthening the economy of a country by providing many alternatives to transform an economys savings into capital investment. These institutions also introduce competition in the provision of financial service. Categories of non bank financial institutions. Depending upon their nature of activities, non- banking finance companies can be categorized into the following categories; a). Asset Finance Company (AFC): An AFC is a company which is a financial institution that holds the principal in business of financing physical assets supporting productive/economic activity, such as automobiles, tractors, lathe machines, generator sets, earth moving and material handling equipments, moving on own power and general purpose industrial machines. b). Loan Company (LC): LC means any company which is a financial institution that has its main principal in business as provision of finance whether by making loans or advances or otherwise for any activity other than its own but does not include an Asset Finance Company. c). Investment Company (IC): IC means any company involved in the business of shares, stocks, bonds, debentures issued by government and local authority that are marketable in nature. Example stock brokering companies like Nairobi stock exchange (NSE). d). Contractual savings institutions (CIV) Contractual savings institutions (also called institutional investors) give individuals the opportunity to invest in collective investment vehicles (CIV) as a fiduciary rather than a principal role. Collective investment vehicles pool resources from individuals and firms into various financial instruments including equity, debt, and derivatives. Note that the individual holds equity in the CIV itself rather what the CIV invests in specifically. The two most popular examples of contractual savings institutions are pension funds and mutual funds. e). Risk-pooling institutions Insurance companies underwrite economic risks associated with illness, death, damage and other risks of loss. In return to collecting an insurance premium, insurance companies provide a contingent promise of economic protection in the case of loss. There are two main types of insurance companies: general insurance and life insurance. General insurance tends to be short term, while life insurance is a longer-term contract, which terminates at the death of the insured. Both types of insurance, life and general, are available to all sectors of the community. f). Financial service providers Financial service providers include brokers (both securities and mortgage), management consultants, and financial advisors, and they operate on a fee-for-service basis. Their services include: improving informational efficiency for the investors and, in the case of brokers, offering a transactions service by which an investor can liquidate existing assets. g). Market makers Market makers are broker-dealer institutions that quote a buy and sell price and facilitate transactions for financial assets. Such assets include equities, government and corporate debt, derivatives, and foreign currencies. After receiving an order, the market maker immediately sells from its inventory or makes a purchase to offset the loss in inventory. The differential between the buying and selling quotes, or the bidââ¬âoffer spread, is how the market-maker makes profit. A major contribution of the market makers is improving the liquidity of financial assets in the market. Similarities between non bank financial institutions and commercial banks The key similarity between banks and other financial institutes is the facility of cash deposits. This unique facility is provided by the banking sector to all its customers through means of saving accounts and current accounts. This is an easy and effective way of handling all the personal as well as business finances. Apart from this, banks also serve as financial intermediaries offering a host of financial services to all customers. Non-banking financial institutes do provide various types of financial services (including cash deposits) but are not entitled to offer a savings account. These institutes mainly serve as investment tools or to fulfill the financial needs of individuals and companies. However, in the present day, banks are gradually expanding their operations and are offering all financial services including investment, loan, credit, and bonds under one shelter. Differences between non bank financial institutions and commercial banks . (i) Banks generally deals with short-term loans in the money market, whereas the nonbank intermediaries mostly deal with all types of loans i. e short-term, medium-term and long-term loans. (ii) The credit creation activities of the commercial banks are determined by the excess reserves and the cash-reserve ratio of the banks. The activities of the non-bank intermediaries (i. e. , saving mobilization, lending activities, etc. ) are largely governed by the structure of interest rates. (iii) Commercial banks raise funds costless because no interest is paid on demand deposits. Nonbank intermediaries, on the other hand, have to pay higher interest to attract more funds. (iv) The credit creation activities of the commercial banks are regulated and controlled by the central bank. The nonbank intermediaries are not generally under the control of central bank, and thus, then1 activities may create hurdles in the way of effective implementation of monetary policy. (v) Banks are financial institution whose liabilities (i. e. , deposits) are widely accepted as a means of payment in the settlement of debt. Non-bank financial intermediaries, on the other hand, are those institutions whose liabilities are not accepted as means of payment for the settlement of debt. (vi) People deposit money in the banks for safety, convenience and liquidity considerations. However, they invest their savings in the nonbank intermediaries with the motive of earning extra income. (vii) Commercial banks have the ability to generate multiple expansion of credit. The non-bank interà mediaries do not have such ability. They simply mobilize savings for investment (viii) Nonbank intermediaries can influence liquidity and create economic destabilization in the economy. Destabilization occurs when the financial claims on the nonbank intermediaries increase at the cost of demand deposits of the banks. (ix) Credit creation activities of the banks involve lesser time, while the lending activities of the non-bank intermediaries involve longer time. (x) Banks form a homogeneous group, while nonbank intermediaries form a heterogeneous group in the financial structure of the economy.
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