Free Essays on Argument Essay On Drinking Age

The Drinking Age Should Be Lowered You generally need what you can’t have, But on the off chance that u could have it, would you despite everything need it, or pine for it. That’s the current inquiry. From the second we can see how rules work it’s in betted in our psyches that we can’t drink, smell or even gander at liquor until the period of 21.At least that’s how my age grew up, yet it hasn’t consistently been that way. In 1987 the choice was made to raise the drinking age from 18 to 21. This isn't the first run through drinking mixed refreshments has been managed. In the 1920’s National probation was upheld, and in the 1850’s state restriction. These laws were upheld so brutally a backfire happened and considerably increasingly social issues occurred. We are doing precisely the same thing today, by denying individuals under 21 not to drink. Doing this it is causing and much more terrible backfire then it did in the 1920’s. Understudies are being compelled to make there own little bars in their apartment or lofts, where hitting the bottle hard happens and so as to get alcoholic quicker before they get captured. This law is making drunkards not forestalling them this needs to change. Its an obvious fact that drinking goes on in the school air, I would lie on the off chance that I said it didn’t. Be that as it may, were not 21 when we head off to college, were 18. At the point when somebody becomes 18 they are legitimately viewed as a grown-up. With the title of grown-up come extraordinary obligations. You can lawfully cast a ballot, you can do battle, get hitched, smoke, yet we can have a container of wine at our wedding or a shot in the wake of a monotonous days work on the war front. This fair doesn’t sound good to me. The hypothesis is that individuals younger than 21 are neither truly or sincerely created to drink liquor, however yet ingrain there prepared at 18 years old to shoot a man in a war. Can any anyone explain why different nations discover their children capable enough to drink at 16 or 17. What makes American children so extraordinary. Maybe on the off chance that we were t... Free Essays on Argument Essay On Drinking Age Free Essays on Argument Essay On Drinking Age The Drinking Age Should Be Lowered You generally need what you can’t have, But on the off chance that u could have it, would you despite everything need it, or pine for it. That’s the current inquiry. From the second we can see how rules work it’s in betted in our psyches that we can’t drink, smell or even gander at liquor until the time of 21.At least that’s how my age grew up, however it hasn’t consistently been that way. In 1987 the choice was made to raise the drinking age from 18 to 21. This isn't the first run through drinking mixed refreshments has been directed. In the 1920’s National probation was authorized, and in the 1850’s state denial. These laws were authorized so brutally a kickback happened and considerably increasingly social issues occurred. We are doing precisely the same thing today, by restricting individuals under 21 not to drink. Doing this it is causing and much more terrible kickback then it did in the 1920’s. Undergrads are being compelled to make there own little bars in their apartment or lofts, where hitting the bottle hard happens and so as to get alcoholic quicker before they get captured. This law is making drunkards not forestalling them this needs to change. Its a well known fact that drinking goes on in the school environment, I would lie on the off chance that I said it didn’t. Be that as it may, were not 21 when we head off to college, were 18. At the point when somebody becomes 18 they are lawfully viewed as a grown-up. With the title of grown-up come incredible obligations. You can lawfully cast a ballot, you can do battle, get hitched, smoke, however yet we can have a container of wine at our wedding or a shot in the wake of a monotonous days work on the war front. This equitable doesn’t sound good to me. The hypothesis is that individuals younger than 21 are neither truly or genuinely created to drink liquor, however yet impart there prepared at 18 years old to shoot a man in a war. Can any anyone explain why different nations discover their children dependable enough to drink at 16 or 17. What makes American children so extraordinary. Maybe in the event that we were t...

The Sharpe Ratio and the Information Ratio Essay Example

The Sharpe Ratio and the Information Ratio Essay The article, â€Å"The Sharpe Ratio and the Information Ratio†, by Deborah Kidd is about the first hazard balanced execution measure and they are Sharpe proportion and the Information Ratio. William Sharpe planned the primary execution metric to insolate overabundance return per unit of complete hazard taken. The Sharpe proportion shows whether a portfolios returnsâ are because of keen venture choices or an aftereffect of overabundance chance. The Sharpe proportion measure profits normal portfolio abundance return over the example time frame by the standard deviation of profits over that period. It quantifies the prize to unpredictability exchange off. The Information Ratio is a proportion of portfolio returnsâ above theâ returnsâ of a benchmark to the instability of those profits. The data proportion separates the alpha of the portfolio by the nonsystematic danger of the portfolio. It estimates strange return per unit of hazard that on a basic level could be differentiated away by holding a market file portfolio. There are two key focuses that the writer was conveying to its’ perusers. The main key point identifies with the favorable circumstances and detriments of the Shape proportion. The subsequent key point identifies with the favorable circumstances and detriments of the Information Ratio. The principal key point is the preferences and disservices of the Sharpe proportion. A detriment of the Sharpe is that it is communicated as a crude number and the higher the Sharpe proportion is the better. Another impediment is that the Sharpe proportion possibly utilizes standard deviation while computing the hazard. So it would be unbalanced while figuring the Ratio for awry returns. Another hindrances of Sharpe’s proportion is that Sharpe proportion ought not be utilized as a measure to think about portfolios since when there is a negative Sharpe proportion the hazard increments. We will compose a custom paper test on The Sharpe Ratio and the Information Ratio explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on The Sharpe Ratio and the Information Ratio explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on The Sharpe Ratio and the Information Ratio explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer A bit of leeway of the Sharpe proportion is that it very well may be effectively determined without requiring any extra information in regards to the asset’s productivity. Another preferred position is that individuals can tell the profits with no additional data about the wellspring of benefit. Kidd expressed, â€Å"The Sharpe proportion is the business standard for estimating hazard balanced returns†, (Kidd, p. 3, 2011). This implies the Sharpe proportion is utilized to assess the presentation of a portfolio. The subsequent key point is the preferences and weaknesses of the Information proportion. A bit of leeway of an Information proportion is that it gauges the additional arrival individuals can acquire from security investigation contrasted with the firm explicit hazard. Another preferred position is that data ratio’s are best utilized for estimating dynamic administrators against an aloof benchmark. A hindrance of the Information proportion is that it doesn't really give steady evaluations of exhibitions. Another detriment is that data proportions can assess portfolios with ordinary anticipated return, yet don't make a difference to such lopsided bring methodologies back. Kidd says, â€Å"The data proportions is frequently alluded to as a variety or summed up form of the Sharpe ratio† (Kidd, p. 2, 2011), which implies they are comparable, yet the Information proportions expands. That is on the grounds that data proportion has been showing improvement over stocks on a hazard balanced premise on better yield. At the point when utilized effectively, the Sharpe proportion and the data proportion can be important devices. These proportions are generally valuable for assessing portfolios with typical expected return circulations, (Kidd, 2011). Be that as it may, these proportions might be misdirecting whenever utilized innocently. Both the Sharpe proportion and the Information proportion, doesn't consider dynamic connections between's benefit classes. As it identifies with financial specialists, it is significant for them to be careful that extensive stretches may expand a portfolio’s Sharpe proportion because of lower instability for extensive stretches. To the extent the data proportions, they depend on longer periods, which results for them being progressively significant on the grounds that they are steady in chief aptitude. References Kidd, D. (2011). The sharpe proportion and the data proportion. Venture Performance Measurement, 1-3.

Introduction to Data Management Platforms (DMP)

Introduction to Data Management Platforms (DMP) Technology has transformed the way companies use data. Today’s companies need more data to streamline their marketing campaigns and to target their products for the right audience. But it isn’t just about gathering information â€" companies also need to be able to use this information and integrate it to their service.New data platforms have emerged from these basic needs and one of the most popular one is the data management platform (DMP). DMPs have quickly transformed the way companies gather and use information. This has also led to the emergence of unique DMPs, with different functions to help provide benefits for companies. Picking the right platform from the crowd can be difficult, especially if you are unsure what the platform is all about.If you want to improve the way your business collects and gathers data, this introduction will help you understand what are the core functions of DMPs. You’ll also understand what are the benefits to using a DMP and how you can pick t he right platform for your business needs. © Shutterstock.com | Mathias RosenthalIn this article, we will discuss 1) what Data Management Platforms are, 2) the main features of good DMPs, 3) the benefits of using DMPs, and 4) how to start using a DMP.WHAT ARE DATA MANAGEMENT PLATFORMS (DMPs)?Although DMPs have been around for quite a while now, they are not very well known for companies, especially outside of the marketing industry. This is partly down to the difficulty in understanding what is unique about DMPs and the functions of using the platform.There are a few ways to define DMPs. The simple definition of DMP is that they are similar to platforms, which save and store data. DMP is special software that stores the data but also organizes it and presents the information in a manner that help users to make better decisions, especially in regards of marketing.In technical terms, the platform’s operations can be explained as the dispersion of information from different data sources and the resulting segmentation of this information. The information DMP uses often comes from the users’ online and offline data, such as sales records or site visitors. But it also uses third party data sources to ensure the information is the most accurate and useful for the user.The above definition might seem like DMPs are database systems, but they are different to a typical database. Although you could technically store all sorts of information in DMPs, it is mainly used to store data that helps in advertising strategies. In addition, the ability to analyze and present the information in segments is a core aspect of DMPs. Essentially DMPs are all about understanding customer information in a more analytic manner.Three main functionsIt is easier to understand the definition of DMPs by looking at its core functions. As you’ll see later in the guide, good DMPs are much more than just these three functions, but they will help understand the benefits and uses of DMPs.The three functions of DMPs include:Import data â €" DMP gathers information from the three sources mentioned above: online and offline data, as well as third party data. It imports all this information to the platform.Find segments â€" As the information is implemented, DMP starts to look for segments. These can be defined by the user according to their needs. Perhaps you’ll need to find audiences that are from a specific demographic and so on. You can also change and adjust these segments along the way.Send instructions â€" Finally, the platform will finally send instructions to help users utilize the above segments and data in marketing. It can fine-tune your marketing strategies in an efficient way.The above is just an overall look at the functions and each point is delved in deeper at the next section.What is the difference between DMP and DSP?You might have heard about demand-side platforms (DSP) and you might be confused whether DMP and DSP are essentially the same thing. There is a big difference in terms of use and funct ion.DSPs are platforms used for buying advertising, often based on the information provided by DMPs. Often information flows directly from a DMP to a DSP. While DMP will provide marketers a lot of useful information, the platform itself won’t allow putting this information into use.The difference between the two platforms is beginning to fade a bit. This is because many technology providers of DMPs also provide DSPs. This often provides users a single platform experience, which in some instances can be more convenient. THE MAIN FEATURES OF GOOD DMPsThe above three functions can be viewed in a more detailed manner as well. The below features give you a better and more detailed understanding of the benefits marketers and publishers will enjoy using DMPs.Data collectionData collection is naturally the core function of DMPs. It is essentially about the first core function: importing data. DMPs can collect and import data in a number of ways. Data collection is usually focused on impor ting data from the company’s marketing systems and platforms. This could be through e-commerce and customer platforms, e-mail, social media and other similar sources.Data collection also helps to match data to similar information. For example, DMP allows the recognition of customer IDs that then will be linked to information found during the data collection. Therefore, it makes it easier to match information to specific customers, even in cases of use of anonymous ID.Finally, data collection through DMP doesn’t take place at a specific time, but it is a continuous process. Therefore, you’ll continue to collect data as it becomes available. This guarantees the end-product is always up to date. Furthermore, you should find a DMP system, which allows you to import offline data as well. Not all data is necessarily online and, for example, if you want to include in-store behavior to your data, it is crucial to be able to implement offline data.Data classificationData classification falls under the second category of creating segments based on the data. This feature of DMP is all about providing enough information to define groups, which can then be used to improve marketing.These can be organized in clusters and segments of your choosing. DMPs allow you to define your own groups based on the needs of your business project and campaign.Data classification essentially allows you create audience profiles, which can be used later for marketing purposes.Data analysisThe segments can then be used for data analysis. You can utilize data analysis in different ways depending on your specific needs. Most common examples include using the data to estimate price for a new product and understanding the reach of your new marketing campaign.DMPs can also use the data to suggest new target markets. Including a huge amount of data to your analysis, the platform can find connections you might have missed. In fact, DMPs can teach you a lot about your customers.Often the data an alysis includes a certain level of report creation. Overall, the above information can be used directly for advertising and marketing purposes. This can be anything from direct advertising to website personalization and so on. You often also have options to deciding how the report lays out the data. This is especially helpful when you are looking to use the data in order to find new connections.Data transferLike data analysis, data transfer also falls under the third core function of sending instructions. The most used data transfer often includes the provision of access to data vendors. The data you gather through a DMP can often be used by other agencies and companies and many are willing to purchase this information.ScalabilityFinally, a good DMP will provide the user the option of scalability. A good platform makes it easy to tweak the data collection and data analysis according to your needs. This is especially important for growing businesses.Furthermore, the amount of data av ailable for companies is growing constantly and you don’t want to limit your business approach by leaving out certain data points. A DMP must be able to use all possible data points efficiently in an instant to guarantee your data provides the maximum benefits to your business.THE BENEFITS OF USING DMPsThe above dealt with the essence of DMPs and the aspects behind a good platform. While DMPs can be used by companies operating in different fields, they are most commonly used by agencies, publishers and marketers.Typically, these organizations benefit from the opportunity to control vast amount of data in order to make decisions. Businesses that are looking to streamline their business approach or find more growth opportunities would definitely benefit from the service.DMPs are also crucial for improving the way a company communicates with its audience. If there is a need to boost marketing campaigns or to ensure you reach the correct audience, then a DMP is beneficial. Essentially , DMPs can provide its users with better return on investment (ROI). This is down to it being able to focus the company’s efforts towards the sectors and segments, which provide the biggest returns for the business.As the above highlights, marketers and other such agencies have traditionally championed the use of DMPs. But these days’ publishers are also using the platform in order to gain better understanding of the readership. For example, the Wall Street Journal collects data this way, as it helps streamline the financial services ads.So, what are the benefits that drive marketers, publishers and agencies towards these platforms? The key benefits DMPs provide to users include:Making it easier to research audience and their preferences. The automatization of DMPs ensures you get access to the data and the recommendations quickly. More traditional data collection methods could in fact mean the information you draw from the data is incorrect. But DMPs can make all the three key functions almost instantaneously.Getting the relevant messages across in a convenient and efficient manner â€" improves communication. DMPs area also useful for their flexibility. The huge amounts of data can be used in a number of ways and the information can easily be engineered to fit different aspects of business operations.Data research becomes easier and efficient â€" DMPs offer an alternative to fragmented alternatives, which often focus on predetermined segments.Retargeting marketing campaigns is easier, which in turn can guarantee your business is talking to the right audience at all times. It removes part of the cost factor of retargeting, as you don’t need to re-launch a data collection and analysis process.DMPs scalability makes it possible to ensure your marketing efforts are up to date depending on the growth of your company and its needs. The more data points you are able to include to your platform the more accurate and usable your information is going to be.Improv ing of website optimisation â€" marketing campaigns such as search engine optimisation (SEO) become much more straightforward.The above mentioned benefits are the main advantages of using DMPs. Naturally the importance of each might depend on your own needs. Marketers might take advantage of different benefits to publishers and so on.HOW TO START USING DMPAfter you understand the benefits of DMPs to your business, then you need to find the right platform for you to use. Starting to use a DMP isn’t difficult, but you should do enough research beforehand to ensure you find the right product for your needs.There are certain security and ethical aspects you naturally need to keep in mind when looking into using a DMP. Furthermore, there are a number of platforms available â€" some more suited to certain needs â€" and research into different platforms is crucial to ensure make the most of the product.The following are the key steps you need to take and the essential factors you need to keep in mind when looking into DMPs.Identify your needsWhen you are starting your research into DMPs, keep your own data needs at the forefront. Identify the data that is most usable to your business and set out the goals you want to achieve with your DMP. This can help narrow down the platforms.It is important to note that implementation, especially during the initial phase, is not done overnight. The process can be time consuming, so it is crucial to have a good understanding of your goals and needs before the implementation can begin.Security and ethical aspects of using DMPsOne important aspect you need to keep in mind is security. DMPs collect vast amounts of data and you need to make sure the platform you choose pays enough attention to this aspect. You need to make sure the collection of data doesn’t breach any information laws in your region and you naturally need to make sure the data you gather remains safe and secure. You don’t want other companies gain access to you r data without your knowledge.As mentioned briefly above, the data collection done by DMP also raises ethical questions. You need to be clear about the kind of data you are collecting and how you inform your clients about the data collection, its storage, and its use. You need to ensure your DMP keeps consumer rights and preferences at the forefront.Open and private DMPThere are two main types of DMPs: open and private DMPs.Open DMPs â€" if you opt for open DMP, the access to the data is more open for third party agencies. This could mean that advertisers are directly operating the open platform for you. Data collected with open DMPs is often related to website information, demographic and audience data and other advertising related data.Private DMPs â€" private DMPs often are used together with open DMPs, but they can also be used as a standalone platform. These gather data, which only aggregates the proprietary of marketing data. This includes data such as information on client pu rchases and user profiles.Picking the right programFinally, with the above in mind you can start looking into the different DMPs in the market. The industry has developed fast in the past few years and there are a number of options available.Your choice of platform might be influenced whether you are looking to operate the platform yourself or have an agency do it for you. Whichever approach works for you, always ensure you look into a few alternatives before making the choice.There have been numerous studies into the best DMPs in the market. The below programmes are not only the most common on the market, but were also chosen by the Forrester Wave report as some of the best in business.Adobe AudienceManagerX+1Blue KaiAggregate KnowledgeCoreAudienceKnoticenParioThe list is not comprehensive and you could look at other platforms as part of your research. But the above products are great for new users and provide many of the benefits and core function mentioned in this guide.CONCLUSIO NThe above shows that DMPs have become an integral part of company operations. The benefits of a proper DMP platform can transform your business’ approach and help it not only grow but also to improve its services and products. DMPs are quite simply the embodiment of the big data approach to business and marketing.DMPs have grown in importance in the past few years, as the importance of data has become more evident for a company survival. By understanding the benefits and the core functions of the platform, you can find the right approach to using a DMP as part of your marketing and publishing strategy.

Marriage in Seventeenth-Century England the Woman’s Story

Marriage in Seventeenth-Century England: The Woman’s Story Alice Brabcovà ¡ University of West Bohemia, Plzeň The seventeenth century represents a fascinating period of English history, drawing the attention of whole generations of historians. This turbulent age saw three major events that had a deep impact on England’ s political as well as social life—the English Revolution, the Restoration of the Stuarts in 1660 and the Glorious Revolution in 1688. Amidst the turmoil of the events, people’s everyday lives unfolded. While it was men’s preoccupation to keep the country’s political and economic affairs going, women had an indispensable, though far less public, part to play. This paper aims at providing an outline of the†¦show more content†¦Generally speaking, the poorer a girl was, the greater freedom she had in choosing her future husband. But even the children of the poor were expected to ask their parents for their blessing, though money had a small part to play here. There were several criteria which decided whether a match was ‘appropriate’. Contemporary moralists recommend that the couple should be of similar age, background, financial circumstances and religious beliefs. Concord in manners and interests was beneficial as well. The husband and wife should like and respect each other—even love each other—but they should beware of mere sexual fascination and look for inner qualities. The widespread opinion was that love came after the wedding. An example of such a marriage was the relationship of the Puritan leader Oliver Cromwell with his wife Elizabeth. Though the two people married out of prudence, not love, in the course of time they developed a deep and enduring bond; thus, in one of her letters, Elizabeth writes to her husband, ‘Truly my life is but half a life in your absence’ (Carlyle 1888: 247). The key quality in a woman was an ability to run the household efficiently. 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Impact Of Incarceration Of Young Offenders - 1744 Words

What Impacts Incarceration of â€Å"Young Offenders† in the United States By Cedric Washington (Abstract) This study is to examine the impact of offenders under the ages of 18 becoming incarcerated in United States. In society today there a lot of young children of all races incarcerated throughout America. All around the world there are different classes of people that form a community. Within these communities, population grows and grows on a yearly basis. When looking at the topic of youth offenders, this issue I believe is a direct result of social placement. The environment that a child is brought up in will eventually dictate their path in life. A child that grows up in a household with both parents has a better chance to be successful. This single way of thinking can easily be altered, clearly depending on the child. The question that is being brought to the forefront is what components factor in incarcerated teenagers. Most of the young adults being incarcerated upon release will likely recommit similar crimes in the future. Being in adolescent the human mind is simila r to a sponge when it comes to retaining information. Emotional, physical and visual knowledge opens the door for many different possibilities to be withheld in an individual. As a young adult I believe it is important that youth are actively involved in positive activities. Curricular activities that will help provide a social and mental foundation for them toShow MoreRelatedRehabilitation Programs vs. Incarceration738 Words   |  3 PagesRehabilitation Programs vs. Incarceration 5 Running Head: Rehabilitation Programs vs. Incarceration Impact of Rehabilitation Programs and Incarceration for Juvenile Offenders Discussing the Importance of Rehabilitation Program Introduction Juvenile offenders are increasing day by day regardless of the efforts to control the youth crime. 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I willRead MoreThe High Incarceration Rate Of Juveniles1748 Words   |  7 PagesThe high incarceration rate of juveniles is a significant social problem that affects society as a whole as well as the youth’s individual welfare and developmental trajectory. Adolescents who are incarcerated in the juvenile justice system face a multitude of negative lifelong implications. The history of incarcerating youth in residential fa cilities such as juvenile halls, camps, ranches or group homes as a consequence for committing crimes has a deep-rooted history in the United States. â€Å"For more

Problems with E-Banking Free Essays

The relevant statutes and cases 5 How the current legislations adequately 6 protect the consumers References 7 QUESTION: Analyse with relevant statutes and cases the problems with electronic banking and how the current legislations adequately protect the consumers overcoming these problems. ANSWER: The following are the problems with e-banking: 1. Time of payment:The opportunity for a customer to countermand or stop electronic payment is unclear. We will write a custom essay sample on Problems with E-Banking or any similar topic only for you Order Now If the transfer is effective before the countermand is received, then the paying institution will have paid in accord with its mandate and is not liable to reverse or restore payment to the customer. Cheques are only paid or effective once cleared, and the paying bank holds records of the appropriate debit, however with EFT there are 5 possible times of payment: a. The time of transmission. b. The entering of the transfer instruction into the transfer system. c. The time of receipt of the transfer instruction by the paying institution. . The time when the recipient financial institution decides to accept the payment. e. The time when the recipient financial institution credits the sum to the account of its customer. 2. Malfunctions: ADIs accept liability for direct loss if there is a malfunction in the system. In the case where an electronic malfunction resulted in non-payment of an amount of money due under a charter party agreement, such that one of the parties lost the benefit of a ship charter, resulting in the loss of millions of dollars, it may result to indirect or consequential loss.The Uniform Commercial Code, in the USA, prohibits recovery of consequential damages from a recipient bank for a delayed or otherwise mishandled funds transfer unless there is express written agreement permitting recovery between the bank and its customer. 3. Evidence of transactions: EFT transactions are usually evidenced at the point of transaction by a document proffered to the customer. The problem arises with the unauthorized or fraudulent use of the facility, this will result to the customer not discovering the unauthorized use until there is a periodic statement issued. . Security, fraud and liability: In accordance with cheques and bills, a customer is not ordinarily liable for losing a bill, cheque or cheque book or failing to check bank statements for inaccuracies; the duties owed by the customer to a bank are quite limited in scope. However in the case of debit and credit cards, the duties are quite different. The customer is under greater contractual duties regarding security and liability for fraud. He must keep the card in a safe place and is required to notify the bank immediately of its loss or theft. 5. Terms of contract:The terms of e-banking account are set by the ADI and are varied upon notice from time to time. Customers have little bargaining power and also problems with understanding the contractual obligations. To further illustrate this point, there is usually a â€Å"Conditions of Use† document supplied with a debit or credit card but rarely is it understood, and as soon as the customer signs the card or first uses it, they are deemed to have accepted the card on these conditions. The relevant statutes and cases illustrating the problems with electronic banking: 1.ANZ vs Westpac (1988) 164 CLR 662, A meat company (Jakes) had an account with the branch of the Westpac Bank. At the relevant time the account was overdrawn in the amount of $67,000. A customer presented to ANZ a cheque in favour of Jakes for $14,000, but, by reason of clerial error, ANZ credited Jakes account with Westpac for $114,000. By the time ANZ notified Westpac for the error, Westpac had applied the money in reducing the overdraft and in honouring a number of Jakes’s cheques. Jakes paid back only $2,500 of the $100,000 before going into liquidation.ANZ brought an action against Westpac to recover the overpayment, however Westpac sought to rely on the defence of ministerial receipt. Bth parties acted on the basis of concessions made by Westpac that the reduction of the overdraft anad the payment of certain cheques which could have been dishonoured by Westpac at the time was notified of the mistake should be ignored for the purposes of determining whether the moneys had been applied. As a result of the concessions it was accepted by Westpac that it had not applied $17,021 of the payment and that it was liable to return this amount. . Mercedes Benz v ANZ and National Mutual Royal Savings Bank Ltd (Part 2), Mrs R was employed by the plaintiff as a payroll supervisor. By arrangement with the second defendant, she was given forms for opening accounts for new employees of the plaintiff, and she received cards and PINs for accessing those accounts. The plaintiff paid wages and commissions by issuing a cheque in favour of NMRB who then credited the appropriate accounts. There was virtually no supervision of Mrs R after her appointment, nor did the second defendant ever question the creation of accounts.Mrs R defrauded the plaintiff company using several different schemes. For the purposes of the present note, the relevant scheme was to create accounts in fictitious names and then use those accounts for the deposit of cheques. How the current legislations adequately protect the consumers: To address these problems, a joint State and Federal Committee of Consumer Affairs Ministers prepared a Code of Conduct to be allowed by financial institutions. They were given some time to incorporate the Code into their standard EFT contracts or alternatively face l egislation. After amendments recommended by the Trade Practices Commission in 1989, the Code was implemented along with the Australian Banking Ombudsman Scheme. The current Code is now part of ASIC’s scope of administration.REFERENCES: 1. Restitution law: By Sharon Erbacher pg. 639 2. Law 330 module 2 pg. 30-32 3. Cases and materials on the law of restitution:  By Andrew Burrows, Ewan McKendrick, James Edelman pg. 838 4. http://austlii. edu.au/~alan/mb2. html, Mercedes Benz v ANZ and National Mutual Royal Savings Bank Ltd (Part 2), accessed on 20/08/10. How to cite Problems with E-Banking, Papers

PHILOCTETES Essay Paper Example For Students

PHILOCTETES Essay Paper A monologue from the play by Sophocles NOTE: This monologue is reprinted from Dramas. Sophocles. London: J.M. Dent Sons, 1906. PHILOCTETES: O what a drudge and sport of Gods am I!Of whose ill plight no whisper ever cameTo my own home, or any coast of Greece,But they who thrust me out unrighteouslyLaugh and keep silence, while my sickness everGrows on me and increases more and more.O boy! O son, calling Achilles sire,I am the man who, may be, thou hast heardWas master of the arms of Heracles,The son of P?as, Philoctetes! whomThe Captains twain and the Cephallenite kingCast out thus shamefullydesertedsickOf a consuming woundpierced through and throughBy the destroying vipers venomous fangs;And in this plight, boy, they exposed me here,Left me, and went! when from the Chrysean coastThey put in hither with their navy, straight,Soon as they saw me sleeping on the beach,Tired with long tossing, in a sheltered cave,They laughed, they went, they left me! casting meA few mean rags, a beggars garniture,And some poor pittance, too, of nourishment,Such as, I pray, be theirs! O then, my son,What sort of waking, think you , from that sleepHad I when they were gone! How did I weep,How did I wail, for my calamities!Seeing the ships which I was leader ofAll gone away, and no man in the placeWho should suffice me, or should comfort meIn the disease of which I laboured; yeaThough I sought everywhere, nothing I foundLeft to me, save my anguish; and, my son,Of that no lack indeed! Hour after hourPassed by me; and I must needs make shift alone,Under this scanty shelter. For my food,This quiver sought out what supplied my need,Hitting the doves on wing; then to the markOf the shot bolt I had to crawl, with pain,Dragging a wounded foot. If upon thisI wanted to get anything to drink,Or, as in winter when the hoar frost lay,To break some sticks to burn, this, creeping forth,I had to manage, in my misery.Ther there would be no fire; but striking hardWith flint on flint I struck out painfullyAn obscure spark, which keeps me still alive.Thus shelter overhead, not without fire,Furnishes all, save healing of my sore. Come now and hear about the isle, my son;No sailor willingly approaches it;For anchorage there is not, or a portWhither a man might sail, and make his martBy traffic, or find welcome; prudent menDo not make voyage here. Some one, perhaps,Might land against his will; for these things oftWill happen in the long-drawn life of men;But such, my son, when they do come, in wordsPity me, and in compassion give me, saySome morsel of food, or matter of attire;But that thing no man, when I hint it, will doTake me safe home; but this tenth year alreadyIn hunger and distress I pine and perish,Feeding the gnawing tooth of my disease.The Atrid?, and Ulysses violence,Have done me all this wrong; the like of which,O boy, may the Olympian Gods give themOne day to suffer, in revenge for me!