Insurance Industry Indian free essay sample

In the year 1993, Malhotra Committee was formed which initiated reforms in the Indian Insurance Industry. The aim of which was to assess the functionality of the industry. It was incharge of recommending the future path of insurance in India. It even attempted to improve various aspects, making them more appropriate and effective for the Indian market. In the year 1999 The Insurance Regulatory and Development Authority Act was formulated which brought about several crucial policy changes in the India. In 2000 it led to the formation of the Insurance Regulatory and Development Authority. The goals of IRDA are to safeguard the interests of insurance policyholders, as well as to initiate different policy measures to help sustain growth in the industry. This Authority has notified 27 Regulations on various issues like Registration of Insurers, Regulation on insurance agents, Re-insurance, Solvency Margin, Obligation of Insurers to Rural and Social sector, Investment and Accounting Procedure, Protection of policy holders interest, etc. We will write a custom essay sample on Insurance Industry Indian or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Brief introduction Indian Insurance Industry is flourishing with several national and international players competing and growing at rapid rates. The success comes usually from the easing of policy regulations, and India has become more familiar with different insurance products and the period from 2010 2015 is projected to be the Golden Age for the Indian insurance industry. | Indian Insurance companies today offer a comprehensive range of insurance plans, a range which is growing as the economy matures and the wealth of the middle classes increases. The most common types of insurance includes: term life policies, endowment policies, joint life policies, whole life policies, loan cover term assurance policies, unit-linked insurance plans, group policies, pension plans, and annuities. Those like the General insurance plans are also available to cover motor insurance, home insurance, travel insurance and health insurance. | Types of Insurance 1. Life Insurance is all about guaranteeing a specific sum of money to a designated beneficiary upon he death of the insured, or to the insured if he or she lives beyond a certain age. 2. Health Insurance it is Insurance against expenses incurred through illness of the insured or the person who takes up the insurance. 3. Liability Insurance usually insures property such as automobiles, property and professional/business mishaps and others. Market capitalization Indian Insurance Industry is a colossal one which is growing at the rate of 15-20%. Today the Insurance Industry together with bankin g services add about 7% to the countrys GDP. A well-developed and evolved insurance industry is a boon for economic development which provides long- term funds for infrastructure development at the same time strengthening the risk taking ability of the country. | | Size of the industry | According to the Life Insurance Council, the Indian life insurance industry is considered the fifth largest life insurance market with US$ 41-billion amp; growing at a rapid pace of 32-34% annually. In March 2010 the Life Insurance Corporation of India (LIC) registered an 83% increase in new business income, while private players posted a 47% growth in new business premium. According to IRDA, the insurers in the year 2009-2010 sold 10. 55 million new policies with LIC selling 8. 52 million and private companies 2. 03 million policies. In the year March 2010, LIC held 65% market share in terms of new business income collection with the private sector contributing the remaining 35% share in 2009-10. | Total contribution to the economy/ salesIndian Insurance Industry is one of the booming Industries of the economy and is growing at the rate of 15-20 % per annum. Along with banking services, it contributes to about 7% to the countrys GDP. Insurance is being a federal subject in India and which is governed by Insurance Act, 1938, the Life Insurance Corporation Act, 1956 and General Insurance Business (Nationalization) Act, 1972, Insurance Regulatory and Development Authority (IRDA) Act, 1999 and other related Acts. Top leading CompaniesToday in India more multinational companies have come forward in the insurance field. ICICI Prudential, Om Kotak Mahindra, Birla Sun-Life, Tata AIF Life, Reliance, HDFC Standard Life-Insurance Co. , Max New York Life, SBI Life Insurance, ING Vysa Life etc. are the top companies in the private sector. For the non-life Insurance section the major private players are ICICI Lombard, Royal Sandaram, Cholamandalam, IFFCO Tokyo, Tata AIG etc. All the Insurance companies come under the Insurance Regulatory and Development Authority (IRDA) which is established to regulate, promote and ensure orderly growth of Life and General insurance industry in India. Employment OpportunitiesTo pursue a career in Indian Insurance Industry, the candidate should pass the entrance examination conducted by the Actuarial Society of India, Mumbai. The students who pass 10 + 2 or equivalent exam are eligible. There is requirement of License to work in this field which can be achieved through a training programme. The Indian Insurance Institute conducts Licentiate, Associateship and Fellowship plus other training programmes for insurance services. The Licentiate examination can be given in Hindi and English on life and non life branches. Subjects usually covered are Principles of Insurance, Practice of Life Assurance and Insurance Business Environment for the life branch and for the non life branch you need to take up Practice of General Insurance instead of Practice of Life Assurance.

Everything Changes Too Fast to Worry About It All Right Now

Everything Changes Too Fast to Worry About It All Right Now I received yet another email telling me how online promotion has changed. A message telling me how I need yet another podcast, book, or blog series about how to sell my book differently in order to do well. I deleted it. And Ill continue to delete them. . . for now. Because right now Im writing. Im into Chapter 8 for one book, and Chapter 6 in another. (Yes, for some strange reason Ive tackled two books at once.) I lay my head on the pillow at night purposefully with a scene in my mind so that my subconscious  will work out the kinks. I often pop awake with ideas. Or maybe I dont, but when I sit to write, more ideas still happen to flow. But study now about how to market a book that isnt close to being published? Nope. Delete. Delete. Delete. But were supposed to be marketing around the clock, if you read the gurus online. I swear there are more gurus than there are novelists. But Im deep into plot, sculpting dialogue, infusing the senses and depth into character. . . honing the twists. Im making magic. I have no time for lessons on becoming a salesman. No, Im not procrastinating. Really, Im not. Im making a conscious decision to conserve and preserve my talent and energies for the story. We learn a new language best from immersion into the culture. Where everyone and everything around us is about that language, and we are forced to adopt it, embrace it, and become fluent in it. Which doesnt happen when we are half one language and half another. Besides, per the emails I received just today, in reading just the subject headers before I deleted them, apparently Amazon Marketing has changed, BookBub marketing came up with new methods, and Facebook Advertising takes a new sort of deft hand to not lose your shirt. So why worry about marketing now when it will become a different animal Sometimes you just write.

EBP Essay Example | Topics and Well Written Essays - 500 words

EBP - Essay Example However, it still remains the most regular method due to its supposedly low cost. Meter dose inhaler is more efficient but is not widely used because it is believed to be more expensive than nebulizer. The examination involved asthmatic children who were presented to the emergency department for medication. The age under consideration was between two to eighteen years of age. Those included were the ones who had gentle or temperate illness. The participants were taken from â€Å"British Colombia Children’s Hospital and Alberta Children’s Hospital† emergency departments. Research has established that the use of metered-dose inhaler is more advanced and less costly compared to wet nebulizer. The application of this method also reduces the possibility of one patient transmitting the disease to others. This is because each patient can make utilize his or her own apparatus. The evidence has shown that in Canada, only twenty percent of the children in the emergency department applied this method. The limiting factor the use of this method is its associated high expenditure. When the expenditure and the benefit accruing from both methods were evaluated, the result showed that using meter dose inhaler and spacer is more efficient and cost saving compared to wet nebulizer. This study did not take into consideration the long-term effect of either of the two methods. The use of Meter dose inhaler and spacer improves the quality of drugs administration to the patents because only one patient is served with each gadget. Also, this method reduces the overall cost of curing asthmatic patients because it shortens the period of admission in hospital. Patients get well faster than expected and consequently the expenditure goes down. This saves the family members of the patient stress of going to visit him or her at the hospital. The healthcare providers should make use of meter dose inhaler and spacer to administer drugs to asthmatic patients. This method will

The War on Drugs and the War on Terrorism Research Paper

The War on Drugs and the War on Terrorism - Research Paper Example Some scholars perceive these two issues as results of poor leadership styles and poor leadership characters, suggesting eradication may be possible with quality and ideal leadership. This paper seeks to examine the war on terrorism and the war on drugs, as well as analyze the importance of leadership in avoiding these issues. Introduction Terrorism and drugs are among the social issues that negatively affects a nation and the universal society as a whole. The two issues destroy the pillars of the society, potentially destroying inter community and intra community relations. For several decades, the fight against these two issues has been of concern to media. This war on drugs and terrorism began actively in the twentieth century when the two issues began significantly affecting the societal setup in various communities (Richman, 2002). Some scholars perceive these two issues as results of poor leadership styles and poor leadership characters, suggesting eradication may be possible with quality and ideal leadership. Essentially, societal problems such as use of drugs within a community or involvement in terror attacks often occur because of poor leadership or the exclusion of these groups from leadership decisions. In societies experiencing terrorism and drug issues, the leaders of that society have the responsibilitie s to ensure that these issues diminish from these issues. The challenges facing these leaders including designing strategies, and implementing them, as well as enforcing them to advocate for drug and terrorism eradication from the society. Regardless of the capabilities of leaders, they need a team to lead a society against such wars. The problem is designing a team and administration that is competent enough (Schopp and Hill, 2009). Additionally, an effective communication system flowing mutually within the administration is a great challenge. Great leaders have strong personalities, policies, will, and vision that promote the general good of the society. The war on both drugs and terrorism is far from over, at least with the current leaders occupying the relevant offices that combat these issues. The purpose of this paper is to highlight the importance of leadership in the global society, especially on the war against terrorism and drugs. Drug Abuse History and Legislations Terrorism and drugs have been a persistent issue in countries all over the world, especially in Western nations such as the United States of America. The war on drugs, a term coined in 1971 by US President Richard Nixon, in the US is a controversial policy seeking to define and reduce illegal drug trade. At the frontline of the war are policies that discourage consumption, production, and distribution of illegal psychoactive drugs in the US and the rest of the world. In the early years of the twentieth century, most of the drug market was significantly unregulated. Medication remedies containing derivatives of heroin and cocaine were distributed freely without awareness or prescription, thus majority of consumers were unaware of the potent of the drugs (Lal, 2008). In 1886, the Supreme Court ruled against regulation of commerce by state governments, unfortunately leaving the skimpy federal government to enforce existing drug

Assignment Example | Topics and Well Written Essays - 250 words - 260

Assignment Example ns and behavior making them more prone to ADHD.† Furthermore, students who used social networking sites while studying scored 20% lower on tests and students who used social media had an average GPA of 3.06 versus non-users who had an average GPA of 3.82.† This clearly means that social media, especially Facebook distracts students in school when they should be more focused in academics. With so many games and applications, Facebook also distraught students by constantly sending them game and notification invites. It is clear that social media usage amongst teens is prevalent and needs to be stopped. Social media has been a deterrent factor for young adults because they lose concentration as depicted in the article. One of the most prominent issues in this realm is the idea of security. It is clear that the notion of privacy still haunts organizations. I think Facebook needs a proper protocols to stop notifications or a timer that will stop comments for a certain time. Moreover, Facebook lacks the adequate security protocols for users because it enables users information to be prevalent, which can cause child stalkers to target young victims. In today’s society, universities and employers continue to browse through Facebook profiles to gain a better understanding of their prospect employees. Undoubtedly, Facebook fails to stop the distractions that continue to plague young

Effect of Oxidative Stress on HAGE Expression

Effect of Oxidative Stress on HAGE Expression Cancer is a group of diseases which involves uncontrolled cell growth, metastasis and invasion of cells to other tissues via lymph node or blood. Cancer is caused by many factors such as (i) Chemicals such as tobacco, alcohol, asbestos etc., (ii) Viral infections such as Human Papiloma Virus, Epstin Barr Virus, hepatitis B, C etc., (iii) Ionizing radiations such as X-Rays, UV-Rays, Gamma Rays etc., (iv) Hereditary factors such as mutations in BRCA 1 and BRCA 2, p53 mutations, APC gene mutations, Retinoblastoma gene mutation etc., (v) Hormones which promote growth proliferation such as growth hormones, estrogen, progesterone etc. Cancer is classified into malignant and benign tumours. Malignant tumours are mostly liquid tumours which metastasize to other tissues via lymph node and blood. Benign tumours are mostly solid tumours which stay at one particular tissue and seldom migrate. Malignant and Benign tumours are re classified on the type of cell and tissue from which they originate. They are classified as follows: i) Carcinomas: These are the malignancies of the epithelial cells, which line the internal organs of the body and also present on the surface the body such as skin. ii) Sarcomas: These are solid tumours present in connective tissues such as bones and lymph systems (Crowley 2006) Furthermore the tumours are classified according to (i) site of origin as in lung cancer, breast cancer etc., (ii) type of cell such as rhabdomyosarcoma and acute lymphocytic leukaemia. (Ruddon 2007) The progression from a normal cell to malignant one involves the dysregulation of genes implicated in the control of normal proliferation / death over many years. These are normal functions regulated by proto-oncogenes and tumour suppressor genes. Proto-Oncogene And Tumour Suppressor Gene Protooncogene is found to be normally expressed in all vertebrates including humans. It is also found to be expressed in some insects and yeasts. Protooncogenes play an important role regulating normal cell growth and differentiation. They also perform functions such as signal transduction and mitogenic signal execution RAS, MYC, TRK, ERK are some examples of protooncogenes (Novakofski 1991). Oncogenes are derived from protooncogenes during the process of carcinogenesis. The formation of active oncogene leads to abnormal cell proliferation and thus contributes to the formation of tumour (Alitalo and Schwab 1986). A protooncogene can be converted into an oncogene in a variety of ways such as (i)Transduction induced by retroviruses which cause the integration viral DNA with the host. This DNA on translation give rise to viral proteins which cause the activation of protooncogene, thereby leading to cancer. (ii) Mutation within the protooncogene leading to an increased activity of the pr otein. (iii) chromosomal translocation where the gene for proto oncogene is translocated to other loci, which cause its abnormal expression. For eg in the translocation of abl in chromosome 9 to bcr region chromosome 22 as found in Philadelphia chromosome (Rowley 1973) (iv) Amplification induced by gene duplication, mis-regulation of gene which leads to overexpression of protooncogenes. (Todd and Munger 1999) Unlike oncogenes, the tumour suppressor genes normally inhibit cell growth in variety of ways such as (i) repressing the genes important for cell cycle progression. For eg., pRb (retinoblastoma ) controls the G1 stage by being hypophosphoryated and not allowing the release of transcription factor E2F which promotes G1-S transition. (ii) Stopping cell cycle on detecting DNA damage. DNA damage induces p53 which now leaves from its interacting partner Mdm2 and increases the activity of p21. This p21 protein then inactivates cyclin dependent kinases which are essential for cell cycle progression, (iii) Apoptosis may also be promoted by p53 when damage is irreversible. (iv) inducing DNA repair proteins to repair DNA damage and prevent abnormal cell proliferation. (Yoshida, et al. 2000) There are a number of mechanisms by which a cancer cell survives in a body. This is illustrated in the diagram below.(Weinberg and Hanahan, 2000) Treatment The choice of therapy depends upon the location and stage / grade of the tumour, as well as the health of the patient. There are a number of therapies for treating cancer such as surgery, chemotherapy, radiaotherapy, hormonal therapy etc., The deregulation of many genes in cancer cells leads to the over-expression of altered proteins which can be used as biomarker which can provide help for the diagnosis and / prognosis of the treatment but can also be used as potential target for immunotherapy. Cancer antigens and their classification Tumour antigen is an antigenic substance produced in the tumour cells and triggers an immune reaction in the host. They are useful in identifying tumour cells and are used in cancer therapy. Tumour antigens are classified as Cancer testis antigen, Differentiation antigens, Tumour specific unique antigens, Overexpressed Self Antigens, Viral antigens, Post-translationally, Oncofoetal antigens, Idiotypic Antigens as shown in the table below Copied from (Li, et al. 2005) Amongst all these categories, cancer testis antigen represent the most promising group of antigen to be used in future immunotherapeutic interventions due to their restricted expression to mainly to tumour cells with the exception of placenta and testis which are immune-privileged sites and therefore would not pose any real issue for the risk of autoimmunity.(Simpson, et al. 2005) HAGE HAGE also known as DDX43 and CT13 antigen belongs to this category of antigens and was first identified by Martelange et al using cDNA subtraction approach of a human sarcoma cell line.(Martelange, et al. 2000)Using rational hybrid analysis, it was found that HAGE gene is located on chromosome 6. HAGE was found to be overexpressed in several tumours. There is a low expression of HAGE in normal tissues since the expression is regulated by hypermethylation HAGE is also over expressed in tissues such as testis, placenta, and ovaries. HAGE is usually expressed at the m-RNA level though recent studies in melanoma cells suggest that HAGE could also be expressed at the protein level.(Mathieu, et al. 2010) The name DDX43 comes from the fact that HAGE also belongs to another group of protein known as Dead box proteins and referred to as DDX43. (Abdelhaleem 2004) Dead box proteins These proteins were discovered in the late 1980s. (Gorbalenya, et al. 1989)Dead box proteins belong to the family of RNA helicases and play an important role in the transcription, post transcriptional modifications such as splicing, transport, translation, decay and biogenesis of ribosomes. NTP hydrolysis provides energy to these enzymes and they unwind dsRNA or disrupt RNA-Protein interaction. DDX and DHX are widely studied Dead Box Proteins. There are many classes of DDX and HAGE belongs to DDX43. They are so named because they contain the amino acids D-E-A-D (Asp-Glu-Ala-Asp) in one of their motifs namely Motif II. Besides they also contain motifs such as motif I, Q-motif, motif VI, motif Ia, Ib, III, IV and V as shown in the diagram below. These motifs bestow properties such as ATP binding and hydrolysis, RNA interaction, remodelling activity etc to these proteins. The consensus sequence of DEAD box family is shown below Copied from (Linder 2006) Regulation and Function of HAGE Both function and regulation of HAGE have not been studied in great detail (Scanlan, Simpson and Old 2004). In normal tissues HAGE expression is regulated by DNA hypermethylation, Histone modifications such as histone aceylation, histone deacylation and histone methylation. However in cancer, there could be many mechanisms of upregulation of HAGE. The most commonly thought mechanism is the demethylation of DNA which leads to HAGE over-expression. (Roman-Gomez, et al. 2007) HAGE could also be induced due to transformation of normal cells during cancer or due to the action of oncogenes. HAGE might also be induced randomly. HAGE may play a role in pre-mRNA splicing, ribosome biogenesis, transcription and initiation of translation. (Rocak and Linder 2004) This project will focus on Head and Neck Cancer. Head and Neck Cancer Head and Neck cancer are the cancers that arise from the upper aerodigestive tract such as nasal cavity, oral cavity, pharynx, larynx and paranasal sinuses. Most of them are of squamous cell carcinoma type of the head and neck and have been given the acronym -SCCHN or HNSCC. (Argiris, et al. 2008). The diagram of the anatomy of the head and neck is illustrated below Copied from (Wu, et al. 2009) More than half a million patients are diagnosed with head and neck cancer every year. Head and Neck cancer in fact accounts for more than 3-10% of the cancers(Gourin and McMains 2005). Smoking, alcohol, chewing of betel leaf with tobacco and areca are the major risk factors for this cancer. Recently, HPV type 16 has been identified as one of the causes for head and neck cancer and account for 40% (Goodger and McGurk 2000) The progression of this tumour is complicated. It progresses from the normal features to hyperplasia, mild dysplasia, moderate dysplasia, severe dysplasia, carcinoma, invasive carcinoma and metastasis. The progression may be caused by due to genetic instabilities such as loss of heterozygosity of chromosome 9p21, inactivation of of p16 and loss of 3p, loss of 18q, inactivation of PTEN, some translocations, 17Beta heterozygosity or TP53 mutation. (Argiris, et al. 2008) Copied from (Argiris, et al. 2008) Interestingly HAGE was found the John van Geest group to be overexpressed in 40% of HNSCC cancers (unpublished data) and although much of its function is now emerging no information exist at the moment regarding the regulation of its expression. However it has been observed that cells left for longer period of time in the incubator had a significantly higher expression of HAGE at the mRNA and protein level. Aim of this project The observation that HAGE was over-expressed in 40% of HNSCC led to hypothesis that cells under stress i.e lack of nutrients, decrease oxygen level, as well as other factors influence HAGE expression. Moreover it has been found that HAGE is also expressed in 20% of Acute Myeloid Leukemia and 50% Chronic Myeloid Leukemia as well as many solid tumours such as HNSCC (Adams, et al. 2002). This suggests that there must be something in common between these 2 very different forms of cancer. CML and solid tumours are known to have a high expression of reactive oxygen species (ROS), therefore it might be possible that ROS induces HAGE expression. Thus this project will focus on the effect of oxidative stress has on HAGE expression. The effect of other stress such as temperature may also be investigated. METHODS Cell Culture The PCI 13 and PCI 30 cell lines would be supplied by Prof E Tatour. These cell lines are specific for Head and Neck cancer. The cells would be grown in RPMI 1640 +10%(v/v) FCS+2mM L-glutamine and incubated at 37oC and 5%C02 atmosphere. Extraction of m-RNA The culture media would be removed and washed with DPBS(Dulbeccos phosphate buffer saline). Then DPBS will be removed followed by the addition of RNA-STAT 60. RNA pellets would be then retrieved and re-suspended in ddH2O. RNA extracted is then quantified using NANODROP 8000 UV spectrophotometer. RNA would be then added in measurement wells of the spectrophotometer. The spectrophotometer would be read at 260 and 280nm and the amount of RNA will be calculated. The RNA concentration is calculated in  µg/ µl before being adjusted to 1 µg/ µl by ddH2O. RNA samples would be then stored at -80oC and used for conducting RT-PCR and RTq-PCR in the future. RT-PCR (Reverse Transcriptase PCR) From the extracted RNA cDNA will be synthesized. 2  µg of RNA sample will be mixed with 1  µl of oligo-dT primers and diluted to 15  µl of ddH20 in an Eppendorf tube. All RNA samples would follow the same process. UNO Thermoblock will be used to heat the tubes to 70 °C for 5 min which allows the primer-RNA annealing. 10  µl of reverse transcriptase mix, which will be prepared by mixing Muloney Murine Leukemia Virus 5-X buffer, dNTPs, RNasin RNAse inhibitor, M-MLV-reverse transcriptase and ddH20. The tubes will be then pre-heated in a water bath at 39.2 °C for 80 min which allows cDNA synthesis. Tubes will be removed and kept again in the UNO-Thermoblock and heated to 95 °C for five minutes which stops the reaction. These tubes would be stored at -20 °C for future use. Real Time qPCR cDNA generated from RT PCR will be used as a template and the reagents used will be (i) 6.25 µl iQ Sybr Green, (ii) 0.5 µl gene specific sense primer (iii) 0.5 µl gene specific anti-sense primer, (iv) 4.75  µl ddH20 and 0.5 µl cDNA template. These reagent mixtures will be added to all tubes for a specific gene. Samples will be usually carried out in duplicate with a negative control that contains the reaction mixture without cDNA. Rotogene 6000 real-time qPCR analyser will be used to carry out RT qPCR. Relative gene expression using 2ΔCT method will be calculated with the help of the expression of housekeeping genes HPRT-1, HSP-27 and HSP-90. The primers which will be used in real time qPCR experiment is given below. These primers are supplied by mwg-Eurofins. The primers have a stock concentration of 100pmol/ µl and will be diluted to a working concentration of 10pmol/ µl. From this working 0.5 µl (5pM) of primers will be used. Total Protein extraction Cells will be grown to 75% confluence in T75 flasks. Cells will be trypsinised, washed and re-suspended in DPBS and these cells will be then counted using trypan blue. Cells will be diluted to 1X106/ml using DPBS and 5 X106 cells would be taken in a 1.5ml eppendorf. Centrifugation will be done to pellet the cells. The supernatant will be discarded and lysis buffer containing a cocktail of RIPA buffer and 10% protease inhibitor will be added to the pellet. The eppendorf tube will be then placed on a tube rotator at 4 °C for 30 min. It will be then kept on ice for 30 min. Cells will be again centrifuged at 14000 RPM for 30 min at 4 °C. Aliquot of the supernatant will be prepared to be stored at -20 °C for future use. Total Protein Assay Total protein assay will be carried out using BioRad Dc protein assay reagents. Series of dilutions (0.2,0.4,0.5,0.8,1.0,1.5,2.0mg/ml) will be created using stock BSA solution with the concentration of 10 mg/ml. Protein extracts and standards would be tested in triplicates and duplicates respectively. Assays will be performed in 96-well round bottom plates. 25 µl and 200  µl of reagent A and B will be added to all the samples and the samples will be incubated at room temperature for an hour. Proteins will be then read at 750nm and their concentrations would be calculated based on the standard values. Western Blotting 30  µl of sample will be loaded into the wells of SDS PAGE gels. 1X tris-glycine-SDS will be used as the running buffer. A known molecular weight ladder will also be run alongside the samples. Initially 70V current will be applied to aid the migration of proteins through the 5% stacking gel. Once the proteins reach the 10% separating gel, 90V current will be applied. After the proteins run through the gel, they will be transferred to the PVDF membrane with the help of liquid transfer. This membrane will be prepared by washing with 10% methanol for 5 seconds, ddH2O for 5 min and transfer buffer for 10 min. Liquid transfer will be carried out using the following steps. 1. Cold transfer buffer will be used to immerse a gel frame. To this gel frame a sponge pre soaked in transfer buffer will be placed Then a filter card, gel, PVDF membrane, another filter card and a second pre soaked buffer sponge will be placed in order starting from the first filter card. Proteins will be transferred with the help of electric current of 100V applied for one hour. After completion, membranes will be cut and treated with different antibodies.10% (w/v) Marvel milk solution will be used to wash the membrane for one hour at room temperature. This washing blocks the non-specific binding sites. The blocking solution will be then discarded and the antibody diluted to 10% (w/v) in Marvel milk solution will be added. This antibody coated membrane will be agitated overnight on a plate rocker at 4 °C. The next day there would be 3, 10 min washes with TSBT(Tris-Buffered Saline-Tween-20). During these washes the membrane vessel will be agitated in plate orbital shaker at room temperature. After completing the washing process, a secondary antibody specific to the primary antibody will be added. The steps for adding the secondary antibody are same as the primary antibody addition except for the fact that no overnight incubation is required and the secondary antibody will be incubated only for one hour while being agitated on the shaker at room temperature. The marker will also be stained using streptavidin-HRP secondary antibody. After performing the above step the membranes will be developed. Membrane development will be performed by placing the membrane in a tray and washing it with ECL reagent. The membrane would be then exposed for a certain period of time using CCD camera. Assay for ROS-DCFDA Stress Test Stock Solution Preparation The stock solution of Hanks Buffered Salt Solution (HBSS)will be prepared according to the manufacturers protocol. DCFDA(2,7-dchlorofluoroscein -diacetate) Assay To test ROS levels DCFDA test will be performed. Before conducting the DCFDA assay, the standardization of optimum concentrations of H2O2 and DCFDA for detecting cell stress should be performed. It is important to note that H2O2 should be added only sub-lethally and should not be added in proportion which may cause cell death. The PCI 13 and 30 cells will be plated out in two 24 well plates. 1ml of each type of cells plus RPM1640 10% FCS media will be added to 8 wells per plate and will be incubated overnight at 37 °C. The media will be removed the next day and increasing concentration of DCFDA will be added to both plates and the cells will be incubated with Tinfoil wrapping to prevent light exposure and incubated at 37oC for 30 min. The cells will be then washed and then cold HBSS will be added. After this step the cells will be stressed with increasing concentration of H2O2 (see diagram below). The cells will then be again wrapped in tin foil and placed on a rocking platform for 15 min. The same method will be followed for treating other wells with different concentrations of DCFDA. Experiments will be performed at least twice for each cell line. H2O2 will be removed after 15 min and cells will be trypsinised with 100microL trypsin and Versene. 800 microL of DPBS will be added to one of the 2 wells an d will be pipetted thoroughly so as to remove the cells from the well surface. This will be then transferred to the other well and then 1ml of solution would be transferred to Flow associated cell cytometry (FACS) tube for analysis. The same procedure will be carried for other sets of wells. DCFDA fluorescence would be measured using Gallios flow cytometer and results would be analysed in Kaluza program. Time Line For The Project During the month of May, all techniques such as Western Blotting, mRNA/protein extraction, Real Time PCR will be learnt. This time is indicated in red colour in the graph below. This will overlap with the time duration, from May to the end of June, during which hydrogen peroxide experiment will be performed as per written in the method section and the expression of HAGE will be monitored at both the mRNA and protein level. Also from the start of June to the end of July repeat experiments will be performed and if time permits, the effect of thermal stress on HAGE expression will also be investigated. This is indicated in the graph below. SUMMARY Cancer Testis Antigens (CTA) are antigens that are expressed in a variety of tumours. They are usually absent in normal tissues with the exception of testis and placenta where they are expressed as self tolerant antigens. Since these antigens have strong immunogenicity and their expression is mostly restricted to tumours, they are ideal targets for cancer immunotherapy. Therefore much research is ongoing for the identification of CTA. Recently helicase antigen HAGE was identified as a CTA and was found to be over-expressed in HSNSCC, AML and CML. Thus there might be a common link between these different types of cancers. Moreover ROS is known to be induced in all these tumours and it may be possible that ROS causes increased expression of HAGE. Thus the aim of this project would be to investigate the effect of oxidative stress on HAGE expression. HAGE expression would be analysed both at the m-RNA and protein level in two cell lines namely PCI 13 and PCI 30 using techniques such as m-RNA extraction, RT PCR, Western Blotting and Protein assay. The ROS level would be evaluated using the DCFDA assay. Since the mechanism of HAGE regulation is unknown, positive result in the project would help in elucidating a mechanism by which HAGE could be regulated.

Anorexia Essay -- essays research papers fc

It seems today that eating disorders are on the rise. While this may be true, the numbers may appear to grow only because more cases are being brought out into the open. The purpose of this paper is to discuss eating disorders and prove the these disease, specifically Anorexia Nervosa, continue to plague of women due to psychological and environmental factors along with pressure from the media. The term â€Å"Anorexia Nervosa† is misleading. It means â€Å"loss of appetite due to nerves.† But people with anorexia don’t actually lose their appetite until the late stages of their starvation. Until, they do feel hungry, but they just won’t eat. People affected by anorexia have an extreme fear of gaining weight. In addition to drastic dieting, they may resort to vomiting and the use of laxatives and diuretics to lose weight. Statistics show that many teens and young adults suffer from anorexia nervosa. Without treatment, anorexia nervosa can cause serious heal th problems--even death! The sooner treatment begins the better the chances for a full recovery. The person with another anorexia is a model child. He/She is well behaved, eager to please, and a good student who gets along well with her peers. She rarely admits that anything is wrong or that anything is wrong or that she/he extra helps. Behind the mask is an insecure, self-critical perfectionist who feels unworthy of any praises she receives. A person who has anorexia is also very concerned about whether other people like her. Occasionally, she feels that there’s something wrong with her- that she’s bad or that her thoughts are disgusting. (PennSAHIC) One interpretation of an eating disorder is termed as a relationship between the person and food the appears abnormal. Anorexia Nervosa is one of the most prevalent eating disorder decease. The definition of Anorexia, Dr. Barton J. Blinder gives an interpretation similar to this: Anorexia is an all-encompassing pursuit of thinness, occurring most often in adolescents and young adult woman. This is accomplished by avoidance of eating by any means possible. The person affected by Anorexia has an absolutely terrifying fear of becoming obese. In short, â€Å"food becomes the enemy;† one researcher described Anorexia as â€Å"weight phobia.† (noah.cuny.edu/wellconn/eatdisorders.html) Some experts believe that a fear of growing up is the root of the problem. Other experts see the d... ...l keep their body into shape. Parents do not like to see children being teased because of their weight so they try to keep them fit. Sometime the stress from the parents and/or if there is any physical or sexual abuse in the family, the child in this situation may lead to an eating disorder to have a way to control something in their life. In conclusion, Anorexia Nervosa greatly affects all that are touched by it. Close family members and friends go through fighting battle with the person helping to serve this deathful battle. The information in this paper is just touching briefly on what can happen to someone with this disease called Anorexia. It is important that people are aware of these problems, know how to spot eating disorders, and help someone else or themselves overcome something like Anorexia. Works Cited: Matthews, John R. Eating Disorders. New York: Facts on file Inc. 1990 http://noah.cuny.edu/wellconn/eatdisorder.html Self-Help & Psychology Magazine- written by Lee H offman, Office of Scientific Inf., NIH Publication No. 94-3477, 1993. http://www.cybertowers.com/selfhelp/article/eating/nih/anorexia.html PennSAHIC booklet by Channing L. Bete Co., Inc. 1996 edition.

Alltel Essay

The main factor that keeps any business is its costumers. Whether big or small the purpose is to maintain their costumers and also to attract more and more costumers. The same thing goes to the telecommunication industry. This paper will study one of America’s largest telecommunication companies, Alltel. My research will try to describe how the company operates and as well as to search for new emerging technology that may be helpful in the development of the company’s service to its costumers. Introduction Communication played a great part in our society. It is one of the most important factor that greatly affect our economy and everything that we do. It is impact a very important aspect for developing our community and as well as our personality and relationships with the people that surrounds us. Through time different ways of communication had been established through the help of technology. New technology’s had been developed and the demand for better communication advances increased. Due to this demand more and more companies are investing on the communication business. One of the largest telecommunication companies in the United States is Alltel. Today telecommunication service providers and equipment vendors face significant challenges as they address the whole host of changes and competitive challenges sweeping their industry. While maintaining the highest levels of performance and ability it is important for equipment vendors and service providers to be able to react to changes quickly and effectively as a competitive environment intensifies. Alltel Alltel advertise itself as the owner and operator of the largest wireless network company in all of Americas Mobile Phone Company. And also promote itself as the fifth largest in overall mobile phone company. With base on the total miles it covered as well as its geographical coverage rather than its number of costumers and its population covered with roaming agreements. In over parts of 35 states and residential business costumers Alltel has able to provide its wireless service. In as early of 2006 Alltel earns over 12 million costumers with market cap of $24. 79 billion. CDMA used a number of terms to implement its meaning.  CDMA refers to digital cellular telephone system. CDMA or the code division multiple access originally known as IS-95 based on the original US standard defined by Qualcomm is the current name for cellular technology. US Telecommunication Industry Association defined IS to an Interim Standard. CDMA is a Qualcomm brand name, and or IS-95 most often referred to us the second generation (2G) cellular has used a multiple access scheme such those that are pioneered by QUALCOMM, and W-CDMA transportation logistics as well as the Global Positioning System. It has been submitted as a mobile air interface standard to the International Telecommunication Union (ITU) for agreement. Spread-spectrum and a special coding scheme were employed by this technology. CDMA has a small cell radius and it has high capacity. In CDMA those people who are speaking the same languages could able to understand each other as they were using CDMA. But not every people can able to understand each other as they may speak different languages. CDMA is similar with a radio; every group of users was assigned a shared code. Many codes had been occupied by the same channel. Users can be able to understand each other only if they were associated with a particular code. Broadband You will be able to get a quick wireless access to the Web from the convenience of smartphone or your laptop through Axcess Broadband/MobileLink and your shared company. Through Axcess Broadband/Mobilelink, staying connected is so easy. You cab still have access using smartphone or through your laptop. This can be done by using your phone as a modem or by using a data card. You can also have an access to your email enabling you do more things than the usual while you are traveling. Connecting to your corporate network and enterprise applications directly and also is done a lot faster and with security. Via Broadband networks you can secure connections by up to 2. 4 Mbps and 114Kbps using your mobile link network. AMPower Service In order to make improvements regarding field service technician productivity AMPower service has just been the solution. It is a mobile business solution for developing technician productivity. Through AMPower service you save both time and money for it empowers field service workers by providing critical mission-information. The service that has been provided by AMPower are the service teams with bi-directional access, job related information, and inventory. By putting this data at your finger tips, AM power Service has basically eliminates miscommunication, and costly mistakes it practically eliminates bottlenecks on communication process and it also prevents information gaps. As a result there will be more productive, more profitable, and more effective field service organization AMPower Service provides your service organization with the tools to help maximize their field time and productivity. AmPower Service can can obtain essential information fron the enterprise and real time, not only that AMPower service can also enables off-line access to data, including the ability to add, edit and update record details. As soon as the network coverage is restored any particular changes made while off-line are all automatically reconciled on the mobile device.

Research on Pregnancy for the Male Seahorse

Research on Pregnancy for the Male Seahorse Free Online Research Papers The reproductive questions surrounding seahorses and pipefish (syngnathids), specifically about why males are the gender which undergoes pregnancy, are pondered and researched in the article I chose. This article describes the similarities and differences between mammal and seahorse viviparity, â€Å"extended embryonic development inside a parent,† (Stolting K, Wilson A, 2007) especially several key parallels, such as types of hormones needed, which were discovered through this experiment, and mentions several ideas for future research on these creatures. Seahorses are one of the few kinds of sea animals that can be readily cultured in a lab; they also have a short generation time (3-12 months), lots of offspring (50-2000 offspring per brood), and a small genome size, which make them ideal as a model for future morphological, behavioral, and reproductive experiment research. (Foster, Vincent, 2004). First, descriptions of the seahorse’s reproductive nature are described and compared to that of mammals and marsupials. Then the two types of seahorses are compared, and we examine the experiment. The experiment measured the hormones of male seahorses during pregnancy, both as normal and others with missing hormones, to compare the hormones used/needed by seahorses for reproduction and pregnancy. The article then claims that because hormones needed for successful seahorse pregnancies and mammal pregnancies are the same or very similar that there should be further research in this area to explore further details into why, now that we know more about how seahorses function. Research Papers on Research on Pregnancy for the Male SeahorseInfluences of Socio-Economic Status of Married MalesPersonal Experience with Teen PregnancyMoral and Ethical Issues in Hiring New EmployeesResearch Process Part OneEffects of Television Violence on ChildrenGenetic EngineeringThe Relationship Between Delinquency and Drug UseAnalysis of Ebay Expanding into AsiaMind TravelBionic Assembly System: A New Concept of Self

Survival of the Holocast essays

Survival of the Holocast essays The goal of the Holocaust camps was to eventually kill, and destroy all Jewish and other ethnic groups whom did not succeed under Hitlers expectations. Although this was the purpose of these horrid places, which now dread among the memories of those who are now living, they had their own purpose, which was to survive. The harsh camps had unbelievable conditions, which even to these oppressed people, were unimaginable. Items of any value and family members were taken away from camp members, which would most likely to decrease their determine to survive. The book Night, shows many examples of ones who long to survive through out the story. This is one of the many examples, One day we stopped, a workman took a piece of bread out of his bag and threw it into the wagon. There was a stampede. Dozens of starving men fought each other to death for a few crumbs. This statement shows how valuable life is, which is why I think the main theme of this book should be survivor. So many died in the horrible time in history, but at the same time, so many wanted to survive. Survival was the main goal of all prisoners of the Holocaust of 1933-1945. ...

Jit &toyota Essay Example | Topics and Well Written Essays - 1250 words

Jit &toyota - Essay Example Though there are a lot of various kinds of business, the main principles of effective management are applicable in 90 per cent of all cases. The differences in managerial practice are mainly connected with the way these principles are implemented. Operations management is not only a concrete system of parameters and indicators, which it depicts, but also it includes a character and peculiarities of professional managerial thinking. In other words, it is a performance that is related to the process of elaboration, usage and improvement of production systems based on which consummate products and services of the company are produced. The ultimate purpose of effective operation management is the building of managerial system that is able to ensure implementation of necessary actions and procedures in order to receive market result out of the functioning of each organization. One of the brightest examples of successful operation management is Toyota Motor Corporation. It is the largest Japanese automobile corporation that also offers financial services and has several supplemental business directions. The headquarter is located in Toyota, Japan. The company takes the eighth place in the Fortune Global 500. The company produced cars, trucks and autobuses under such brand names as Toyota, Lexus, Scion, Daihatsu, Hino. The company sells about 9 million cars annually gaining total net revenue of more than $2 milliards (75 Years of Toyota, 2012). Assimilating relatively new trend of electromobiles, Toyota Motor tests  «Toyota Plug-in HV » i Japan, USA and Europe, which is considered to affect environment less perniciously than the cars with hybrid engine. Toyota is a company with diversified and active business position that all the time searches for the ways of development. Hence, in 2007 Toyota supplies own engines for the Williams team in the races of Formula 1 (75 Years of Toyota, 2012). The

Lifting the Corporate Veil Essay Example | Topics and Well Written Essays - 2500 words

Lifting the Corporate Veil - Essay Example The extremely famous and somewhat revolutionary decision of Salomon v Salmon & Co Ltd [1897]1 introduced and upheld the corporate personality doctrine which was then defined in the Companies Act 1862. The effect of the decision was that creditors of a company that had gone insolvent would not be able to sue the shareholders of the company for its outstanding debts: the doctrine of separate corporate personality was effectively entrenched by the House of Lords. More noticeably, the House of Lords fully established the concept that the company exists as a separate personality from that of its members, causing the company to become its own entity, thus competent to sue and be sued,4 to enter into contractual agreements,5 to make profits and suffer losses in its own name,6 and to own property. The decision of Salomon also formed the beneficial concept that shareholders would be afforded limited liability in the event of insolvency of the company. Despite the passing of more than a centur y, the dicta of the House of Lords has stood strong as an â€Å"unyielding rock†,7 even enjoying codification in section 16(2) of the Companies Act 2006. The decision brought several new effects to the company law world. Lord Herschell claimed that â€Å"the company is ex hypothesi a distinct legal person†2 and Lord McNaghten stressed that â€Å"the company is at law a different person altogether from the subscribers to the memorandum†¦nor are the members as subscribers liable†¦except to the extent and in the manner provided by the Act’.3 ... When will the courts disregard Salomon and lift the corporate veil? Can a specific set of criteria be established in order to determine when the veil will be lifted, or does it depend on the particular circumstances of each case? It is arguable that the courts’ previous instances of lifting the corporate veil have been difficult to predict with any degree of certainty. It will be argued however that this is not necessarily disadvantageous and any alternative approach of the courts could prove more detrimental to company law as a whole. Attempts to establish specific criteria for lifting the veil have been fruitless, as the courts have remained adamant to keep derogations from Salomon flexible. This paper will evaluate when the courts have lifted the corporate veil, and under what circumstances they chose to as opposed to when the courts have specifically refused to lift the corporate veil. Potential for reforms in the law will be explored, though it will ultimately be argued t hat codification of the lifting of the veil will greatly reduce, even remove the flexibility enjoyed by the courts when lifting the veil. It will be argued that this flexibility is essential in order to make the principle apply as and when the courts see fit. Have the courts approached the lifting of the veil appropriately, or is the veil’s fate left arbitrarily in the hands of the court? Is more certainty required? When Is The Corporate Veil Lifted? It is clear to see that the debate surrounding the courts’ lifting of the corporate veil has centred around the need to balance between certainty and flexibility. The courts have been presented with extremely varied situations and circumstances under which they were required to decide whether the veil