Personal Financial Plan

Personal Financial Plan Part 5 Sheri Mulder Personal Finance Age 30 Establish good credit and avoid excessive debt Invest aggressively for retirement Buy a first home and build equity Make a will and health directives Age 30-45 Create an estate plan. Buy adequate life and disability insurance. Keep investing as much as possible. Save for children's college. Age 45-65 Leverage peak earning years to build financial security. Shift retirement savings as necessary. Review estate plans regularly as assets grow and to reflect changing life circumstances. Age 65 and beyondAppropriately rebalance assets to manage risk. Take action to minimize estate taxes and facilitate wealth transfer to descendants. Make sure health insurance is adequate. What was used to help establish the personal financial plan was a website that had an example of a financial plan considering life-stage changes. The example was helpful because it showed different ages of an individual's life and what should be done duri ng those stages. The example was helpful to use because the example is very similar to the situation and life style changes that are becoming an issue.The financial resources that would be used to help make financial decisions would be to get a loan from the bank for a mortgage. Taking out a bank loan would only be used if there was a large amount of money needed and there was not enough saved up to use. It is important to have a nest egg to fall back on in case of emergencies so an individual does not have to use financial resources to get him or her out an emergency situation. Short-Term Goals Finishing college Increasing savings account Purchasing a new vehicle Reducing high interest debt Buy life insurance Make plans for retirementIntermediate-Term Goals Paying off expensive debt Creating an emergency fund to cover 12 months of expenses Buying a new car Taking special vacation Long-Term Goals Own a home free of mortgage payments Own a vacation home in the mountains somewhere rem ote Accumulate enough funds to not have to work, but maybe something part time in case I get bored My personal risk tolerance is very conservative at this current moment of life. Although my time horizon has many years to invest, right now the asset level is not high enough to have very much left to invest. My risk olerance is also conservative because of lack of experience and knowledge of investing. In the future when there is a higher asset level, there could be a possibility of hiring a professional to help with an investment. My time horizon impacts my financial plan because of how many years that there is left before retirement. The number of years that an individual has before retirement is important to determine how to invest and save money. By the time of graduation, there should be close to forty years to take on risky investments. There will also be forty years to load a portfolio with bonds and cash. Cash Flow Statement Cash from gross wages |43220 | |Cash paid for: | | |Income taxes and deductions |-8164 | |Mortgage |-7617 | |Food |-9600 | |Car expenses |-7000 | |Clothing |-1800 | |Cell phone |-1560 | |Internet and cable TV |-1272 | Balance Sheet |Assets Liabilities | |Car $6,183|Student Loan $10,000 | |Savings $600 | | |Total $6,783|Total $10,000 | | |Net Worth ($3,217) | Personal Monthly Budget |Projected Monthly Income |$1,667. 28 | |Actual Monthly Income |$2,684. 00 | Housing |Housing |Projected Cost |Actual |Difference | |Mortgage |$934. 72 |$934. 2 |0 | |Phone |$130. 00 |$159. 00 |-29 | |Electric |$212. 00 |$212. 00 |0 | |Cable |$84. 00 |$84. 00 |0 | Start saving, keep saving, and stick to your goals Contribute to your employer’s retirement savings plan Learn about your employer's pension plan Don't touch your retirement savings Ask your employer to start a planPut money into an Individual Retirement Account Find out about your Social Security benefits Time value of money impacts this part of the plan because the long er money is saved, the more it will be worth when an individual retires. When you save or invest money, it will be worth more because it will gain interest by investing it. The earlier a person invests or saves money, the longer that the amount of money has time to gain interest and increase in value. Works Cited https://ww3. janus. com/Janus/Retail/StaticPage? jsp=jsp/Common/JanusReportHTML. jsp&assetname=JanusReportThroughYears ———————– | |

Lecture Notes for Bio 106

Reproductive roles Male’s job is to get the sperm to the egg The sperm are specialized to deliver the male’s genes to the egg Female’s job is to produce a gamete (egg) containing the female’s genes Egg is specialized to nourish the embryo Egg is large and contains nutrients Egg must be moved along Female must also nourish and protect the embryo and fetus This is the job of the uterus Male reproductive strategy: Produce millions of gametes and hope that one makes it to the egg Female reproductive strategy: Invest heavily in one gamete and nourish and protect it Egg Cell (Ovum; 1 copy each chromosome) Sperm Cell (1 copy of each chromosome) MEIOSIS (a type of cell division that begins with a cell with 2 copies of each chromosome and ends with 4 cells with 1 copy of each chromosome) FERTLIZATION (Fusion of Egg and Sperm nuclei; creates a cell with 2 copies of each chromosome) Zygote (cell formed by fusion of egg and sperm; has 2 copies of each chromosome; will develop into new individual) Ovary (in female) Testis (in male) 1 Gonads: a. Testes in male b. Ovaries in females 1. roduce gametes Male = sperm Female = ovum or egg join zygote; new individual 2. produce sex hormones testosterone estrogen + progesterone Male Reproductive System Testes located in scrotum why? sperm don't survive well at body temperature is 3-4o F cooler temp kept constant by reflex how? – pass through the inguinal canal before birth hole usually closed over with connective tissue possible problems 1. cryptorchidism failure of the testes to descend if not corrected, results in sterility corrected by surgery or by administering hormones 2. inguinal hernia inguinal canal does not completely close intestine may push into opening correct with surgery more common in men but may occur in women Inside Testes 1. eminiferous tubules about 1000 site where sperm are produced by a process called spermatogenesis produce 100 million+ sperm each day from puberty until death spermatogenesis A. takes place in an orderly progression from the outside edge of seminiferous tubule to inside (lumen) B. involves changes in genetic information and changes in the shape and functioning of cell sperm carry father’s genetic contribution to next offspring body cells have 2 copies of each chromosome (1 from Mom & 1 from Dad) gametes (egg or sperm) can have only 1 copy of each chromosome meiosis = the type of cell division that produces gametes 1 cell with 2 copies of each chromosome Meiosis spermatogenesis 4 cells with 1 copy of each chromosome Sperm Structure 2 designed to deliver male’s genetic contribution to next generation 1.Head – contains male’s genetic contribution to next generation; almost all nucleus 2. Acrosome – a sac containing enzymes to will allow the sperm to digest the outer layers around egg so sperm nucleus can reach egg nucleus 3. Mitochondria – energy to fuel the trip to egg 4. Tail (or flagellum) has contractile fibers for motility; allows the sperm to swim to egg 2. interstitial cells – produce male sex hormone – testosterone Still in testis – between seminiferous tubules Beginning at puberty these cells secrete testosterone They are stimulated to secrete testosterone by LH, a hormone produced by the anterior pituitary gland LH (from anterior pituitary) stimulates the release of testosteroneHORMONES chemical messengers produced by certain glands and released into the blood hormone reaches all cells only cells with a receptor for that hormone can respond a cell responds by doing what that cell does it might divide it might produce a chemical it might increase rate of certain chemical reactions so hormones have different effects on different cells cells without receptors for that hormone cannot respond 3 Cell 1 (with receptor) Effect 1 Cell 2 (with receptor) Effect 2 Hormone Into blood supply throughout body Cell 3 (with receptor) Effect 3 Cell 4 (no rec eptor) No Effect Testosterone causes: development of male reproductive apparatus sperm maturation secondary sex characteristics sex drive (in part) Possible problems with testes Testicular cancer: most common in males 25-30 yrs. more common if testes did not descend after 6 yrs. may be hereditary usually does not cause pain Practice self exam! Feel for small lump Best done after a hot shower Sperm next enter a system of tubes to store and transport sperm 1. pididymis: tube about 20 feet long stores sperm sperm mature here, sperm change size and shape, metabolism changes, sperm become capable of moving but don't yet. sperm moved along by peristalsis (a wave of muscle contraction) 2. vas deferens: sperm duct conducts sperm from epididymis to urethra 3. urethra: conducts sperm to outside of body, also conducts urine but never at same time Accessory Glands: 1. Bulbourethral glands mucous secretion just before ejaculation lubricant? Buffers to adjust pH of urethra 2. Prostate gland secre tes fluid, milky color alkaline activates sperm counteracts acidity of female reproductive tract Possible problems with prostate 1. enlarges in older men difficulty urinating & decreased bladder volume 2. rostate cancer grows slowly can spread detected by: rectal exam and blood test for PSA (prostate specific antigen) 4 3. Seminal vesicles make up most of the volume of semen secretion probably nourishes sperm (contains fructose, vitamin C, amino acids, prostaglandins) Result = semen Semen: secretions of accessory glands and sperm about 1 tsp. per ejaculation, about 20 % sperm Functions: transport sperm lubricate passageways nourish sperm decrease acidity of female reproductive tract Penis: Functions: transfer sperm to female conducts sperm outside body tip is enlarged = glans penis (rich in sensory endings) Mechanism of erection 3 columns of spongy tissue arteries dilate ? increase blood delivery veins close down blood accumulatesErectile Dysfunction = Impotence inability to achieve or maintain an erection common problem many possible causes – both physical and emotional drugs now available to help a man have an erection when he is sexually stimulated (e. g. Viagra, Cialis, Levitra) These inhibit the breakdown of the neurotransmitter that causes the arteries in penis to dilate arteries are dilated longer increases and prolongs blood entering the penis ? erection Female Reproductive System gonads = 2 ovaries 1. produce eggs or ova (singular = ovum) egg is specialized to provide nourishment for early embryo large cell full of nutrients 2. produce female hormones: estrogen progesterone Female also nourishes and protects the developing embryo and fetus = job of the uterus 5 Ovarian Cycle = series of events in the ovary that leads to production of egg, estrogen & progesterone 1. ollicle maturation primary follicle = an immature egg surrounded by a layer of follicle cells as follicle matures the immature egg gets larger follicle cells divide and form many lay ers around egg follicle cells secrete estrogen mature follicle egg completes first meiotic division layers of follicle cells splits forming a central cavity filled with fluid containing estrogen egg pushed to side with layer of follicle cells 2. ovulation = release of immature egg from ovary egg released with layer of follicle cells around it rest of follicle cells stay in ovary 3. corpus luteum forms from follicle cells remaining in ovary corpus luteum secretes estrogen and progesteroneOVARY primary follicle (immature egg surrounded by follicle cells) mature follicle (many layers of follicle cells, fluid filled cavity, egg surrounded by follicle cells) after ovulation follicle cells remaining in ovary become corpus luteum estrogen progesterone egg 1. estrogen maturation of egg development and maintenance of reproductive structures cell division: thickens lining of uterus also occurs in breast tissue secondary sex characteristics pubic hair armpit hair broader pelvis breast developm ent 2. progesterone prepares uterus for egg implantation maintains pregnancy 6 Oogenesis = the process by which an egg (ovum) is formed Meiosis: starts with a cell that has 2 copies of every chromosome ends with up to 4 cells with 1 copy of every chromosome 1 egg (ovum) and 3 non functional polar bodies IN FEMALES MEIOSIS IS NOT A CONTINUOUS PROCESS Preparations begin efore birth in all potential eggs Then development stops Beginning at puberty, 1 egg continues to the next stage of development The egg is ovulated (released from the ovary) Meiosis is completed ONLY if the egg is fertilized) Number of ova At puberty: potential for about 400,000 eggs Usually 1 each month develops in each monthly cycle (if 2 form and both are fertilized get fraternal twins) total egg production ~ 450 eggs in lifetime menopause – rest of potential eggs have degenerated Oviducts (Fallopian tubes tubes that conduct the egg to the uterus – takes about 3 days open end enlarged and fringed †“ increased surface area for catching egg cilia line oviducts to help move egg along fertilization – usually in upper third of oviduct ectopic pregnancy – usually a tubal pregnancy early embryo implants and begins development at site other than uterus usually in Fallopian tube (oviduct) dangerous to mother – must be terminated Uterus provides nourishment & protects the developing embryo and fetus A. Cervix – tubular portion the extends into vagina has opening through which sperm enter and baby exits B. Body – region in which fetus develops 1.Endometrium – lining site where embryo implants built up each month cell division makes it thicker becomes more vascular (more blood vessels) glands develop that provide nutritious material then lost as menstrual fluid (woman gets her period) 2. muscle allows uterus to expand as fetus grows 60X bigger at full term pregnancy 7 provides force to push baby out Possible problems with uterus: 1. Pelvic Infl ammatory Disease (PID): any bacterial infection of pelvic organs especially uterus, oviducts, ovaries; may spread (peritonitis) may be painful or chronic may have no symptoms often leaves oviduct scarred so that fertility is reduced and the risk of ectopic pregnancy is increased treated with antibiotics most commonly caused by sexually transmitted bacteria the bacteria that cause gonorrhea and chlamydia 2.Cervical cancer: involves external surface of cervix detect with PAP test risk factors -intercourse at an early age -multiple sex partners associated with certain STDsparticularly the HPV (human papilloma virus) that causes genital warts use of condoms and/or diaphragm decreases risk Vagina ~3 muscular passageway to uterus elastic – expands to allow baby through possible problem with vagina: vaginitis most commonly yeast (Candida albicans) not usually sexually transmitted not from poor hygiene bacteria in the vagina produce acid Anything that kills the bacteria or makes the vagina less acidic allows yeast to grow ? vaginitis Clitoris †¢ †¢ †¢ Derived from same embryological structure as the glans penis Becomes engorged with blood during sexual excitement No known function other than pleasure 8Menstrual or Uterine Cycle the endometrium (uterine lining) is built up to nourish the embryo and then it breaks down and is lost as menstrual flow it is a cycle caused by interplay of hormones want the uterus ready to receive embryo if there is one the ovarian cycle that produces the egg must be coordinated with the uterine cycle that prepares the uterus done by same hormones Hormones of the menstrual cycle OVARY Estrogen – from follicle cells in ovary and later from corpus luteum maturation of egg cell division in endometrium (uterine lining) cell division in breast tissue Progesterone – from corpus luteum further development of endometrium maintains endometrium ANTERIOR PITUITARY FSH – follicle stimulating hormone: stimulate s development of follicle LH – luteinizing hormone formation of corpus luteum from follicle cells remaining in ovary maintains corpus luteum Negative Feedback X? Y hormone X leads to an increase in hormone Y Y? X hormone Y causes decrease in hormone X when hormone X levels fall, less hormone Y produced less hormone Y means less inhibition of hormone X hormone X increases and stimulates release of hormone Y IN GENERAL FSH & LH stimulate release of estrogen and progesterone estrogen and progesterone inhibit release of FSH & LH BUT rapid rise in estrogen triggers LH release LH causes corpus luteum to form and secrete estrogen and progesterone corpus lutuem degenerates – estrogen and progesterone levels drop (removes inhibition of FSH) 9Negative feedback in menstrual cycle Low levels of estrogen and progesterone stimulate the release of FSH (and LH) from anterior pituitary FSH stimulates estrogen release by follicle cells in ovary Estrogen (and progesterone) inhibit FSH (a nd LH) release FSH and LH levels drop Estrogen and progesterone levels drop if the egg is fertilized corpus luteum is maintained by a hormone from the embryo called: human chorionic gonadotropic (HCG) hormone for about 5 months the corpus luteum secretes progesterone placenta eventually takes over progesterone secretion progesterone is needed to maintain endometrium if progesterone secretion stops – there is a miscarriage Menopause considered to have occurred when there is no period for 1 year follicles in ovary spontaneously degenerate eggs no longer produced ends child-bearing years estrogen & progesterone no longer produced in ovary occurs most often between 4555yrs. occurs gradually Perimenopause = time leading up to menopause Symptoms hot flashes & dizziness – dilation of arteries in top half of body may be: irritable headaches fatigue physical changes skin drier & less elastic ? wrinkles breasts decrease in size might be change in distribution of hair osteoporosi s – decrease in bone density NEED NOT CHANGE SEXUAL DESIRE 10Estrogen DESIRABLE EFFECTS Brain regulates areas that prepare for reproduction maintains stable body temperature may protect memory Breast Breast programs glands promotes breast to produce milk cancer Liver & Heart helps regulate cholesterol production prevents atherosclerosi s Uterus Uterus programs uterus to promotes nourish fetus cancer of cell division in endometrium endometrium NEGATIVE EFFECTS Estrogen’s Effect on Bone Bone maintains density causes calcium to be absorbed from gut promotes calcium deposit in bones Osteoporosis – decrease in bone density calcium salts make bone hard bones are constantly remodeled built up & broken down in response to stress (weight or pressure) until age 35 more build up than break down peak bone density influenced by: sex race size nutrition exercise that puts weight on bones overall health Bone Formation Blood level Of calcium Calcium in Bone 11Bone Breakdown Die t influences level of calcium in blood good sources of calcium: milk and milk products (choose low fat) dark green vegetables nuts seeds Weight-bearing exercise stimulates bone formation in the bones that are stressed by the exercise walking jogging calcium levels are regulated by hormones calcitonin from thyroid gland causes calcium to be put into bones parathyroid hormone from parathyroid glands causes calcium to be removed from bone estrogen helps absorption of calcium from digestive system stimulates bone formation After menopause estrogen levels greatly decrease Bone Formation Calcitonin Estrogen Blood level Of calcium Calcium in BoneThe Breast Function To produce milk to nourish the young Structure The breast is composed almost entirely of fatty tissue and milk glands milk glands are called lobules each gland drains into a system of ducts these empty into a collecting chamber below nipple several ducts collect into one duct ducts drain through nipple Possible Problems 1. Preme nstrual tenderness breast tissue is prepared each month along with egg and endometrium Estrogen causes cell division in breast tissue Progesterone causes increase in glandular activity Increase in blood supply to breast swelling and tenderness Parathyroid Hormone Bone Breakdown Bone Formation 12 2. fibrocystic breast disease (disorder) an exaggeration of monthly changes in breast tissue built up tissue is not completely reabsorbed and forms cysts feels like many lumps in breast 3. fibroadenoma – noncancerous lump in breast usually in upper & outer quadrant small moveable lump 4. reast cancer will return to this after discussion of cancer 13 Cancer = uncontrolled cell division Cancer cells kill by: depriving other cells of nutrients preventing other cells from performing their duties blocking important pathways (air, blood, nerve) Cells divide Tumor Benign tumor: stays in one place; not cancer Malignant tumor: cancer, cells spread (metastasize) multiple tumors form in other pa rts of body usually spread via blood vessels or lymphatic system In healthy person cell division is regulated Cell Cycle = the orderly sequence of events in the life of a dividing cell G1 – cell growth (G1 checkpoint – is the cell large enough to divide? S (synthesis) – genetic material (DNA of chromosomes) is duplicated G2 – growth and final preparations for cell division (G2 checkpoint – is the DNA replicated? ) Cell division Mitosis – nucleus divides Cytoplasm divides produces two daughter cells Normal controls on cell growth regulate cell division to allow growth and replacement 14 Cancer cells escape controls Normal controls: 1. Genes regulate the cell cycle GENE carries the instructions for making a protein PROTEIN has a job in the cell it might form (part of) a structure it might be regulatory = determine whether a certain cellular process will occur mutation = change in the gene’s information changes the instructions for the p rotein the new protein might not function or might function differently Normal Controls on Cell Division 1.Genes regulate the cell cycle proto-oncogene – normal form of a gene that produces specific proteins that stimulate the cell cycle for growth and repair acts like accelerator about 60 known if other controls were faulty it would enhance the growth of a tumor tumor-suppressor gene – normal form of a gene that produces specific proteins that slow the cell cycle proteins stop cell cycle at one of the checkpoints acts like brakes Normal Genetic Controls on Cell Division tumorprotosuppressor oncogene gene slows stimulates cell division mutations in these cell cycle genes can cause the cell to lose control over cell division Cancer oncogene = mutant protooncogene over stimulates cell division = stuck accelerator can help induce cancer dominant mutation – only need 1 of the 2 copies to be mutant mutant tumor-suppressor gene impairs ability to slow cell cycle = bro ken brakes enhances tumor formation recessive mutation – need mutation in both copies of the gene to have an effect 15 p53 a tumor-suppressor gene detects damaged DNA 2. rogrammed cell death occurs when genes are damaged cancer cells have mutation in other genes that prevent the damaged cells from being destroyed 3. limited life span cell can only divide 50-60 times telomeres – protective pieces on tips of chromosomes end of telomeres shaved off with each cell division telomerase = enzyme that makes telomeres not present in normal cells is present in most cancer cells 4. Need for blood supply controls prevent new blood supply to tissue unless it is damaged cancer cells produce growth factors to attract new blood vessels blood vessels needed to bring nutrients and remove waste also provides route for cancer cells to spread tops cell division initiates DNA repair if too much DNA damage —> p53 triggers programmed cell death Development of cancer need several mutati ons in same cell before cancer starts leukemia – may be as few as 3 mutations colon cancer – may need as many as 9 mutations EXAMPLE ONLY: Development of colon cancer 1. Loss of tumor-suppressor gene from chromosome 5 a polyp forms on colon wall a benign, precancerous tumor grows 2. Activation of oncogene from chromosome 12 a class II adenoma (benign) forms) 3. Loss of tumor-suppressor gene from chromosome 18 a class III adenoma (benign) grows 4. loss of tumor-suppressor gene from chromosome 17 a carcinoma (malignant tumor) forms 5. other changes ? cancer spreads to other tissues 16 5.Need for cell attachment normal cells must be anchored in place oncogenes produce proteins that break anchors but signal cell that it is anchored Immune System – The body’s defense system cells of the immune system roam the body looking for cells they don’t recognize as belonging cancer cells have changed and are not recognized as belonging if cells of the immune syst em encounter a cancer cell, they will be destroy it Factors that can cause cancer 1. carcinogens = chemicals that cause cancer cause mutations that lead to cancer many mutate p53 stimulate cell division (e. g. estrogen) inhibiting the immune system may be in environment, in food or drink, or inhaled at least 50 carcinogens some carcinogens are only carcinogenic after modification in the body 2. iruses consist of genetic information (usually DNA) inside a protein coat virus enters cell and uses host cell machinery to make new viruses viral DNA is inserted into host cell chromosome and is replicated with host cell DNA viral DNA is then a permanent part of host cell chromosome – it has transformed the cell into a cancer cell – all daughter cells will have the viral genes viruses have oncogenes that produce proteins that stimulate cell division viral protein produced may be hyperactive in stimulating cell division OR viral gene may direct human gene to produce too much of a protein that stimulates cell division result is a host cell that has been permanently changed by virus so that it contains an oncogene that stimulates cell division 3. radiation interacts with DNA and causes mutation ultraviolet (uv) radiation from sun causes skin cancer ionizing radiation natural sources (cosmic rays, radioactive materials in earth’s crust) medical sources (x-ray exams) 17 Risk Factors 1. revious breast or other form of cancer Breast Cancer most breast lumps are benign (not cancerous) fibrocystic breasts fibroadenoma death rate from breast cancer has been declining due to early detection practice monthly self exam breast cancer usually begins in the ducts (80%) or the glands begins as lump or tumor lump is usually in upper outer quadrant staged by size of lump and how far it has spread it can metastasize: break out of this site and spread to fatty tissue or other parts of body through lymphatic system or blood supply to determine whether cancer has spread they would look at sentinel nodes (first lymph nodes to which a tumor drains) 2. Gender females much more likely (men can get breast cancer) 3. Age chance of breast cancer goes up with age rises sharply after 40 4.Family history risk is 2X if: first-degree relative (mother, sister, daughter) with breast cancer risk is 5X if: 2 first-degree relatives with breast cancer may have inherited genes e. g. BRCA 1 or BRCA 2 these greatly increase chance of breast cancer BRCA 1 = a tumorsuppressor gene turns off another gene that blocks cell cycle 18 5. Hormone history prolonged, uninterrupted exposure to estrogen increases risk estrogen stimulates cell division in breast if too much estrogen some believe it can lead to cancer some types of breast tumors are stimulated to grow by estrogen more menstrual cycles = more exposure to estrogen risk increased by: a. early puberty – before 11 b. late menopause – after 55 c. not having children or delaying first pregnancy – after 30 What about other sources of estrogen? irth control pills – probably not hormone replacement after menopause – slight environmental sources – unknown certain pollutants mimic estrogen (pesticides, ingredients in plastics) electromagnetic fields can boost body’s production of estrogen 6. Obesity fat cells produce a substance that is converted to estrogen 7. Alcohol alcohol increases level of estrogen interferes with use of folate, which protects against tumor growth 19 Birth Control Effectiveness rate = # of couples out of every 100 using that means of contraception for 1 year who do NOT become pregnant Failure Rate = # of couples out of every 100 using that means of contraception for 1 year who DO become pregnant Typical Use = average person, use may be improper or inconsistent Vs.Perfect Use = proper and consistent use Effectiveness in Preventing STDs STDs spread by contact (direct contact is usually needed) Infected surface surface Uninfected Effectiv eness in Preventing Pregnancy Highly Effective 1. Sterilization (tubal ligation or vasectomy) prevent sperm from reaching egg 2. Hormonal Contraception A. Estrogen and progesterone – prevents egg development and ovulation 1. oral – the pill 2. vaginal ring – NuvaRing – woman inserts the ring so that it encircles the cervix worn 3 weeks, removed for the 4th 3. skin patch – OrthoEvra new patch once a week for 3 weeks 4th week no patch B. Progesterone-only contraception interferes with fertilization and implantation Types a. ral – mini pill (not used much in US) b. implants c. injections C. Emergency contraception – ? morning after pills? 1. Preven – estrogen and progesterone 2. Plan B – progesteroneonly first dose within 120 hours (5 days), second dose 12 hours later Decrease spread of STDs Certain means of contraception also prevent contact between body surfaces Condom – male or female Diaphragm or cervical cap (so me protection to woman) Increase spread of STDs Pill may increase woman’s risk of certain STDs Spermicides increase a woman’s risk of getting an STD from an infected partner; damages vaginal lining 20 3. IUD – interferes with fertilization and/or implantation; dislodges embryo 4.Diaphragm, cervical cap, FemCap, or Lea’s shield with spermicide – covers cervix and prevents sperm from reaching egg 5. Condom – prevents sperm from reaching egg 6. Vaginal sponge Moderately Effective 1. Spermicides – kill sperm Foams are best is used as only means of contraception May increase the risk of STD spread, particularly in women 2. Rhythm Method – abstinence on all days that could result in sperm meeting an egg Unreliable 1. Withdrawal (coitus interruptus) Does not work 1. Douching after intercourse 2. Intercourse standing up or in some other position 3. Intercourse during menstruation (during your period) 4. Intercourse while breastfeeding Reliable methods 1.Sterilization — permanent birth control Tubal ligation or vasectomy prevent the sperm from meeting the egg Should NOT be used if you or your partner may change your mind For male = vasectomy Close off vas deferens so sperm can’t leave the male’s body Sperm reabsorbed Still ejaculate Simple operation No effect on masculinity No effect on sex life or sex drive Risks: minimal Less than 1% of time tubes grow back together Occasionally a little bleeding in scrotum For women = tubal ligation = have tubes tied Close off oviducts (fallopian tubes) More difficult procedure than a vasectomy because must enter the abdominal cavity Does not cause menopause Will still menstruate No effect on sex drive 21 2. Hormonal Contraception A. Estrogen and progesterone – prevents egg development and ovulation 1. oral – the pill 2. aginal ring – NuvaRing – woman inserts the ring so that it encircles the cervix; worn 3 weeks, removed for the 4th 3. skin patch – OrthoEvra new patch once a week for 3 weeks; 4th week no patch expect same risks as pill, but know most about birth control pill Contain estrogen and progesterone Estrogen & progesterone inhibit FSH and LH Without FSH the egg doesn’t develop Without LH ovulation cannot occur Almost 100% effective – if used properly If you miss more than one day, use another form of birth control Side Effects Headaches Breast tenderness Weight gain Vaginal Infections are more common Serious Risks caused primarily by estrogen Circulatory System Problems rare but can be fatal A.Problems: (1) High blood pressure (2) Increased tendency to form blood clots (1) High blood pressure Increases with time on pill Increases with woman’s age STOP SMOKING – cigarette smoking also causes high blood pressure Blood pressure = pressure exerted by blood on vessel walls Created by beating of heart Pressure must be great enough to move blood around the body If too g reat = high blood pressure Problems caused by high blood pressure 1. strains the heart and blood vessels 2. can lead to an aneurysm (weak spot in artery wall balloons out; can rupture; bleed to death internally 3. promotes atherosclerosis (fatty deposits in arteries) and arteriosclerosis (hardening of arteries) 4. amages kidneys; can lead to kidney failure 22 (2) Increased tendency to form blood clots Danger is that a blood clot can break free and lodge in a small blood vessel, blocking blood flow B. Consequences: (1) Increased risk of heart attack and stroke Heart attack = death of heart cells Stroke = death of nerve cells in brain Heart attack & stroke occur when blood flow to heart or brain is interrupted by: Burst vessel Fatty deposits (atherosclerosis) Blood clot (2) increased risk of pulmonary embolism 2. Increased risk of urinary tract infections 3. Increased susceptibility to sexually transmitted diseases A. Change in pH of vagina – increased risk of chlamydia and gon orrhea B.Change in cervical structure exposes vulnerable cells C. HPV (human papilloma virus that causes genital warts) infection is more likely to result in cervical cancer Progesterone seems to activate HPV in cervical cells grown is culture Non-contraceptive benefits of the pill Decreased risk of PID (pelvic inflammatory disease) Decreased risk of ovarian and endometrial cancer Decreased risk of ectopic pregnancy Decreased risk of iron deficiency anemia 1. 2. 3. 4. 2. Hormonal contraception (cont. ) B. Progesterone-only contraception interferes with fertilization and implantation Types a. oral – mini pill (not used much in US) b. implants –hormone containing rods implanted in upper arm c. njections – DepoProvera injection every 3 months 99% effective in preventing pregnancy no protection against STDs 23 Mechanism of action of progesterone only a. Thickens cervical mucus b. Interferes with movement of sperm c. makes implantation more difficult because endometr ium thin d. Sometimes blocks ovulation e. Makes the corpus luteum degenerate too quickly (removes the source of progesterone that maintains the endometrium) Side effects a. Menstrual cycle disturbance Periods irregular More days of light bleeding Missed periods b. Weight gain c. breast tenderness d. bone density decreases 2. Hormonal contraception (cont. ) C. Emergency contraception – â€Å"morning after pills† 1. Preven – estrogen and progesterone 2.Plan B – progesteroneonly first dose within 72 hours, second dose 12 hours later Emergency contraception is thought to work by inhibiting or delaying ovulation preventing fertilization altering the endometrium, making it an inhospitable place for implantation of the young embryo used after an act of unprotected intercourse if pregnancy not desired risk of pregnancy varies from 0 – 26 after a single act of intercourse – depending on day of cycle morning after pill decreases the risk of pregnancy by 75% (e. g. from 26% to 6. 5%) does not affect the embryo is it has already implanted Side effects: 1. nausea in 50-70% of women 22% vomit 2. menstrual cycle disturbance next period 2 – 3 days early or late 3.IUD (intrauterine device) – interferes with fertilization and/or implantation; dislodges embryo Small device placed inside the uterus by physician remains effective for 1, 3 or 7 years, depending on the type 24 Effectiveness 97% with progesterone 99% with copper Mechanism of action of IUD– affects: Sperm – immobilizes sperm; interferes with their movement Ovum – speeds up movement to uterus Fertilization inhibited Endometrium – not properly developed for implantation FemCap – 3 sizes, latex free, removal strap Prevents the sperm from reaching the egg Must use with spermicidal cream or jelly Helps seal gaps Holds it in place Added chemical protection Must be fitted by a health care professional so seal is tight refit if weight c hanges by more than 10 lbs. Effectiveness 97-98% perfect use 81% typical use It is ? at the time? rotection In place not more than 2 – 3 hr before intercourse Left in place at least 6 – 8 hrs. after intercourse Offers the woman some protection against STDs Risks with diaphragm – minimal 1. slight increase frequency of bladder infection 2. possible allergic reaction 3. toxic shock syndrome don’t leave in place more than 24 hours or use when you have your period 1. 2. 3. 4. Disadvantages 1. if never had children, insertion is painful 2. may have heavier menstrual flow & more cramps 3. body may reject it – then not protected against pregnancy Risks 1. pelvic inflammatory disease – primarily following insertion of the device can lead to sterility and increased risk of ectopic pregnancy 2. increased risk of ectopic pregnancy 4.Diaphragm or cervical cap with spermicide – covers cervix and prevents sperm from reaching egg Soft rubber cup on flexible ring that fits over the cervix Lea’s shield one-size fits all reusable device 25 5. Condom – prevents sperm from reaching egg A. Male condom Thin strong latex sheath that covers the penis and prevents sperm from reaching the egg Disadvantages: Must be placed on an erect penis – before contact with vagina Decreased sensation Failures usually due to tearing if pulled on too tightly – leave at tip if too little lubrication Penis should be withdrawn from vagina while still erect B. female condom Pouch of polyurethane with a flexible ring at each end Effectiveness in preventing pregnancy — 74% typical use Effectiveness against STDs Little known Does provide a barrier Male condom still better 6.Vaginal sponge use: put in place before intercourse (moisten first) leave in place for at least 6 hours after intercourse effective for 24 hours works by: 1. creating a barrier to sperm 2. trapping sperm in sponge 3. spermicide to kill sperm effectivenes s: about 83% less if you have had children Moderately Effective 1. Spermicides – kill sperm Foams are best is used as only means of contraception Effectiveness in preventing pregnancy – about 80% for 60 min. Increases a woman’s risk of getting an STD from an infected partner; damages vaginal lining 26 2. Rhythm Method – abstinence on all days that could result in sperm meeting an egg Egg Can be fertilized for about24 hr. after ovulation Ovulation ccurs 14+/days before the onset of flow Sperm Can live for at least 2 days within woman’s body Problem is predicting ovulation 2 days before it occurs Effectiveness about 75% Fertile period Subtract 14 days from cycle length Add 2 days on either side for uncertainty in time of ovulation Earliest fertile day = 2 days before earliest expected day of ovulation Latest fertile day = 1 day after the latest expected day of ovulation Works best if you avoid all days until at least 1 day after you know ovulation ha s occurred Ways of detecting ovulation 1. Body temperature Requires a special thermometer Must be done first thing in the morning When body temperature increases slightly and stays up ovulation has probably occurred 2. cervical mucus cervical secretion is more slippery and thinner at ovulation Unreliable 1. Withdrawal before ejaculation (coitus interruptus) Methods that DON’T work 1. Douching after intercourse 2. Intercourse standing up or in some other position 3. Intercourse during menstruation (during your period) 4. Intercourse while breastfeeding 27Sexually Transmitted Disease (STD) and Sexually Transmitted Infection (STI) Extremely Common 2/3 of cases in people under age 25 More likely to affect women Women exposed greater surface area of mucous membrane during sexual contact Women less likely to know they are infected Infected area not easily seen Urethra less likely to be infected So less like to be pain Therefore, women more like to have serious consequences. Spread by contact (direct contact is usually needed) Infected ? Uninfected surface surface Mucous membranes are most vulnerable linings of: Urethra Vagina, uterus, fallopian tubes Vulva (external genitalia of woman) Mouth and throat Rectum Eyes Many STDs can enter through break in skinBacteria A bacterium is a single cell A bacterium can divide very rapidly producing two daughter cells results in very rapid (exponantial) growth of the population *Bacteria produce harmful chemicals = toxins (poisons) of enzymes these toxins kills or damage body cells the damage to body cells causes the symptoms of the disease Bacteria ? Toxin or Enzyme ? Damages / Kills Body Cells Bacteria divide rapidly ? More Cells? More Toxin (or enzyme) ? More damage to body. * Sometimes the damage or symptom is caused by the body's defense mechanisms against the disease. Bacteria = cells with a slightly different structure than the cells found in your body Bacteria have a cell structures (called ribosomes) that have a sliightly different structure than human version Structural differences are important because they allow antibiotics to bactieria without killing host (your) cells. 28Antibiotics kill bacteria by: preventing bacteria from making cell walls OR preventing bacteria from making complete proteins OR damaging the plasma membrane Bacteria can become resistant to antibiotics by: inactivating the antibiotic pumping the antibiotic out of cell devoloping the ability to function in spite of antibiotics Antibiotic – resistant bacteria are a major health threat Antibiotic Resistance Some bacteria are now resistant to every known antibiotic Bacteria get their resistance from genes that: Inactivate the antibiotic Pump the antibiotic out of the cell Allow them to function in spite of antibiotic How do bacteria get these resistance genes? 1. They can get their own genes through mutation and selection a. mutation rate is high because rate of cell division is high hen antibiotics are used that a re not strong enough or are not used long enough, the most resistant survive each time antibiotic taken improperly, the more resistant bacteria survive resistance builds b. the â€Å"good bacteria? are killed by the antibiotic† the resistant bacteria can reproduce faster than normal, healthful bacteria and cause illness 2. Bacteria can get resistance genes from other bacteria through plasmids that carry genes for resistance Plasmids – a small circular piece of DNA (genetic materal) that contains a few genes not necessary for bacteria to live, but bacteria with them often have an advantage can be inserted into bacterial chromosome and come out as circular piece again Plasmids can be copied and a copy gived to another bacterium through sex then both bacteria have the genes on the plasmid. 29Certain plasmids (called R factors) have genes for resistance to antibiotics possible to have genes for 1 or 10 different antibiotics genes for resistance for one antibiotic can be ad ded to a plasmid than has genes for resistance to other antibiotics leads to the development of bacteria that are resistance to many different antibiotics multi-drug resistance tends to happen in places where antibiotic use is heavy hospitals farm animals Resistance develops where antibiotics used most Hospitals Livestock Overuse and Misuse of antibiotics has led to resistance 1. Misuse for medical purposes Don't demand antibiotics for viral diseases – they don't work on viruses Take the full course of your prescription 2.Widespead use in livestock and agriculture Used in livestock to promote growth Resistance genes can spread from the animals to the bacteria that harm humans Cook meat throroughly (be sure meat juices don't come in contact with other food) Wash fruits and vegetables Avoid raw eggs Chlamydia and Gonorrhea Caused by different bacteria but have similar symptoms Both primarily affect mucous membranes Most noticeable symptom – if it occurs – is pain during urination This occurs if urethra is infected Urethra is more likely to infected in a male Therefore males more likely to have symptoms Often they don't cause symptoms Can still spread the cactiria to others Bacteria still damage reproductive structures 30Chlamydia (Chlamydia trachomatis) Most common bacterial STD in US Highly contagious Symptoms – slow to appear, 3 weeks to months Men More likely to have symptoms than women Painful urination Discharge from urethra Women If urethra is infected Painful urination Discharge from urethra PID (chlamydia causes 50-90% of PID) Slight vaginal discharge Pain during intercourse Abdominal pain & fever Chlamydia is the STD the most likely to cause scar tissue to form in the tubes that gametes move through Because of scar tissue: Chlamydia is the STD most likely to cause sterility Chlamydia is the STD most likely to increase the risk of an ectopic pregnancy The bacteria that cause chlamydia Must live within a cell because they canno t generate their own ATP They use the ATP that the host cell produces Energy in food ATP Energy for cell activities Effects on Fetus in Utero can cause membranes to rupture can cause death of fetus contracted during birth blindness pneumonia infection of mouth, throat, rectum Diagnosis Urine test for DNA for Chalmydia Swab cervix (women) or urethra (males) and culture cells Pap test (women) Treatment: Antibiotics Gonorrhea Caused by diplococcus bacterium Neisseria gonorrheae Symptoms Often none Men More likely to have symptoms than women Painful urination Discharge from urethra 31Women If urethra is infected Painful urination Discharge from urethra PID Slight vaginal discharge Pain during intercourse Abdominal pain & fever Acidity decreases if on pill or at menopause Effect on fetus: Contracted during birth May cause blindness Diagnosis: Urine test form DNA Swab cervix (women) or urethra (males) and culture cells Look for bacteria in cells Treatment: Antibiotics New varieties are re sistant to antibiotics Syphilis Cause = bacterium (Treponema pallidum) Requires a warm, moist environment Can invade any mucous membrane Usually in the genital area Three Stages 1. Primary Stage 2-6 weeks after contact chancre forms may be small swelling or deep lesion usually hard raised edges â€Å"crater-like† painless at site of contact heals by itself in 4-6 weeks diagnosis at this pint is by isolation of the bacterium from chancre 2.Secondary Stage 2-10 weeks after chancre appears Symptoms Rash- doesn't itch, ulcerates Ulcers in mucous membranes In mouth, vulva, vagina, rectum Warly growths around anus and genital organs Headache Body ache May have: Sore throat Gastrointestinal upset Loss of hair Diagnosis at this stage: Blood test that looks for antibodies (VDRL) 32 3. Tertiary Stage 8-25 years after initial contact almost any organ can be infected and develop lesions called a gumma most common sites of gummas: 1. large arteries decrease diameter of artery aneurysm â⠂¬â€œ weak spot in artery that balloons out 2. brain & spinal cord Blindness Deafness Paralysis Mental degeneration 3.Skeleton Effect of fetus Transferred across placenta Can cause deformities Can be fatal Treatment: Early stages curables with antibiotics Virus Viruses have genetic material (usually DNA but some have RNA) and a protein coat (capsid) Structure of a typical virus Steps in Viral Life Cycle 1. Attachement – Viral protein binds to receptor on host cell 2. Penetration – virus enters host cell 3. Biosynthesis – viral genetic material replicated by using host cell ? machinery;? new coat proteins made 4. Assembly – newly synthesized viral compnents put together to form new viruses 5. Release [called viral shedding or budding]; viruses leave cell with envelopes from host cell OR Viruses genetic information can be integrated into host cell chromosome and stay there in dormant form until it is reactivated Viruses can cause call damage as they are rel eased (shed) 1.Rapid release – cell can rupture and die 2. slow release – cell damage and dearth occurs over long time period 3. Periodic release – viruses can remain in certain body cells (e. g. nerve cells) for life; they may be release from body cells periodically and enter new target cells. (herpes can remain in nerve cells; be released epriodically and enter new epithelial cells; damages the epithelial cells) 4. be integrated into host chromosome and stay there in dormant form until it is reactivated 33 Lytic Infection Persistent Infection Latent Infection Transformation to cancerous cell Rapid release of new viruses from infecded cell caused cell death.The symptoms of the disease depend on which cells are killed Slow release of new viruses causes cell to remain alive and continue to produce new viruses for a prolonged period of time. Delay between infection and symptoms. Virus is present in the cell without harming the cell. Symptoms beging when the virus begins actively replication and causes cell death when new viruses exit the cell. Certain viruses insert their genetic information into host cell chromosomes. Some carry oncogenes (cancer – causing genes) that are active in the host cell. Some disrupt the functioning of the host cell's genes that regulate cell division, causing the cell to become cancerous. Viruses and Disease 1.Can cause cell damage as they leave the host cell; the cell damage causes the symptoms 2. Can cause cancer when they insert themselves into host chromosome or by producing factors that affect the host genes that regulate cell division Genital Herpes Cause virus Herpes simplex -type 1 (HSV-1) – usually associated with fever blisters + cold sores -type 2 (HSV-2) – usually causes similar sores in genital area Symptoms (if there are symptoms) first may have a tingling or itching sensation (called the prodrome) 2-20 days after contact blisters of fluid filled sores 1st attack lasts about 3 wk s (1wk-4wks) can use ointments to relieve the pain will go away whether treated or not Also cause cancer hen they insert themselves into host chromosome o r by producing factors that affect the host genes that regulate cell division Viruses and Disease 34 Genital Warts in about half (50%) of people with herpes: blisters reform periodically usually at times of stress because the virus moves the the sacral ganglia of the spinal cord not affected by the human immune system here can be reawakened + cause new sores -maybe 2x month or 1x in 10yrs -NO CURE Genital Herpes spread by contact of infected and uinfected surface no sex while blister present or during prodrome or for at least 10 days after blisters are gone use a condom at all timeseven when no blisters are present erpes can be spread to newborn if deliver vaginally while virus is present if infant's infection is in liver and central nervous system-can be fatal Diagnosis Examination of sores Culture fluid from sores Blood test for antibodies in women-Pap test Treatment -Syptoms only Acyclovir (Zovirax):-reduce severity of first outbreak and reduce frequency of recurrences Human Papilloma Virus (HPV) usually transmitted by sexual contact 50-70% of those who have sex with an infected person will get them more likely if on the pill or pregnant or uncircumsized appear 1-2 months after contact, maybe longer appearance of growth on dry areas- brownish on moist areas-pink they grow may cause foul-smelling discharge may itch -warts can be removed by: 1. freezing 2. burning 3. laser 4. treated with a chemical (podophyllin) that is painted onleft 4 hrs. washed away warts fall off * virus may remain Diagnosis appearance of wart in women-Pap test can look for DNA of HPV inside cells 35 Genital Warts *ASSOCIATED WITH INCREASED RISK OF CERVICAL CANCER -HPV found in 90% of women with cervical cancer There is now a vaccine against HPV and, therefore, against cervical cancer *ASSOCIATED WITH AND INCREASED RISK OF CANCER OF P ENIS 36 BODY DEFENSES Innate Responses – Nonspecific Physical and Chemical Barriers Adaptive defense: Specific defenses (directed at specific target): The immune system: 1. Specific for particular â€Å"invader† (antigen) 2. Has memory for specific antigens previously encountered Lymphocyte encounters antigen Immune responses have 1.Specificity: Specific for particular â€Å"invader† (antigen) Antigen = a large molecule (not recognized as belonging in the body) that triggers an immune response Ex: antigen can be on the surface of a bacterium or virus etc. ; can be a bacterial toxin Your body cells have markers (molecules) that label them as belonging in your body Each lymphocyte has receptors on its surface that recognize a specific antigen When that antigen is present, it causes that lymphocyte to divide many times Effector cells Memory cells Effector cells attack specific target Memory cells remain and provide a quick response in subsequent exposure to same an tigen Third line of defense: Specific defenses (directed at specific target): The immune system: Immune system is 1. specific for a particular ? invader? antigen) 2. has memory for specific antigen previously encountered Creates an army of lymphocytes specialized to attack that antigen These are called Effector cells 2. Memory: have memory for specific antigen previously encountered Memory lymphocytes remain to cause a quick response the next time the same antigen is encountered 37 STEPS IN IMMUNE RESPONSE 1. Threat: foreign cell or molecule enters body 2. Detection Macrophage: detects invader engulfs invader digests invader 3. Alert: Macrophage places a piece of consumed antigen on its plasma membrane attached to a self marker presents the antigen to a helper T cell activates the helper T cell 4.Alarm: Helper T Cell: after activation by a macrophage, it divides, forming effector helper T cells and memory helper T cells turns â€Å"on† both lines of immune response to fight t hat specific antigen by activating B cells and T cells 5. Build specific defense (clonal selection) Lymphocyte encounters antigen Effector cells attack specific target Memory cells remain and provide a quick response in subsequent exposure to same antigen 6. Defense A. Antibody-mediated immune response Effector B cell = Plasma cell Plasma cells secrete antibodies Targets = antigens outside of cell or on surface of cell B. Cell-mediated immune response Effector T cell = cytotoxic T cell Cytotoxic T cells kill foreign cells by causing them to burst Targets = cells bearing antigens (any cells recognized as foreign: e. g. nfected cell, bacteria, cancer cell) 7. Continued surveillance memory cells remain 8. Withdrawal of forces After antigen has been destroyed suppressor T cells shut down the immune response Effector cells cells Memory 38 A. Antibody-mediated immune response Effector B cell = Plasma cell Plasma cells secrete antibodies Targets = antigens outside of cell or on surface of cell An antibody is a Y-shaped protein designed to recognize a specific antigen Antibodies help defend against a specific antigen Can only work against antigens that are free in blood Antibodies bind to the antigen Antibodies are secreted by plasma cells (effector B cells) Ways that Antibodies can Work 1.Neutralization – bind to antigen prevent virus from being able to enter host cell inactivate toxin 2. Agglutination and precipitation -clumps â€Å"invaders† together makes it easier for other cells to engulf them 3. Activation of complement system complement (system) is a group of proteins that pokes holes causes â€Å"invader† to burst B. Cell-mediated immune response Effector T cell = cytotoxic T cell Cytotoxic T cells kill foreign cells by causing them to burst Targets = cells bearing antigens (any cells recognized as foreign: e. g. infected cell, bacteria, cancer cell) Cytotoxic T cells secrete proteins called perforins that poke holes in â€Å"invaderâ₠¬  or foreign cells, causing them to burst 39Cells Involved In the Immune System Macrophage: an antigen presenting cells engulfs and digests antigens places a piece of consumed antigen on its plasma membrane presents the antigen to a helper T cell activates the helper T cell B Cells: T Cells: Helper T Cell: the â€Å"on† switch for both lines of immune response after activation by a macrophage, it divides, forming effector helper T cells and memory helper T cells activate B cells and T cells Cytotoxic T cell: (effector T cell) responsible for cellmediated immune responses when activated by helper T cell, it divides to form effector cytotoxic T cells and memory cytotoxic T cells destroys cellular targets, such as virusinfected body cells, bacteria, fungi, arasites, and cancer cells Suppressor T cell: the â€Å"off† switch for immune responses suppresses the activity of B cells and T cells after the foreign cell or molecule has been successfully destroyed involved in an tibodymediated responses when activated by helper T cells, it divides to form plasma cells and memory cells Plasma Cell: effector in antibodymediated response secretes antibodies specific to the invader Memory Cells: responsible for memory of immune system generated by B cells or any type of T cell during an immune response enable quick and efficient response on subsequent exposures of the antigen may live for years 40 AIDS Acquired Immune Deficiency Syndrome Caused by HIV Human Immunodeficiency Virus HIV infects T cells T cells become HIV factories Organism enters body Macrophage detects it HIV kills helper T cells so THIS doesn’t happen Activates a helper T cell Stimulates division of cytotoxic T cells (attack foreign cells) As helper T cell numbers drop, the body becomes increasingly susceptible to infection Stimulates B cells to form antibodies (destroys the infectious organism) 41

The Effects of Rap Music on Children

Xavier Miranda Professor John Mammen English 1301 23 June 2012 The Effects of Rap Music on Children â€Å"There is no danger of developing eyestrain from looking on the bright side of things. † This quote fits perfectly with this topic. Too many people look at the negativities in music, Rap music to be specific. Rap music can have negative effects on those who listen to it, but just as easily and equally have a positive and beneficial outcome.Yes, many rappers use vulgar derogative terms to describe women and may influence its listeners to break the law or things of the like; but it can also open our eyes, we can learn new things from it and it can influence us to be better people and do things, good things, with our lives. Now Rap isn’t anything new it’s been around since about the 1970’s and been influencing those who listen to it for about 40 years now (â€Å"Rap†). When people hear the term â€Å"rap music† their initial thought will be à ¢â‚¬Å"that’s bad† or â€Å"that’s demeaning to women† which in a sense is true. For example the song â€Å"Walk this way† performed by Aerosmith and Run D.M. C. is about how a young high school student is lead through his first sexual experience by a debauched cheerleader. In a better known song â€Å"Make it Rain† by Fat Joe he says â€Å"Owwwww mami's body is banging, man/ she got it, man/ she does it all She gets it popping with no hands† And then there’s the song almost everybody knows by Jay-Z. â€Å"99 problems†, where he refers to women as â€Å"bitches†. Songs like these make women seem like tools and expendable creatures, and may influence children that listen to this type of rap to treat women as such, â€Å"but many of them were influenced as teenagers by gangster rap.Perhaps I should start using words like, niggers, hoes and slut-bitches since I would only be reflecting my society's music† (Leary ). But the best example, to make this point clear, is the music video â€Å"Every girl† by â€Å"Young Money†. In the video there are females dressed promiscuously throughout and the lyricist admits to wishing he could have sexual intercourse with every girl in the world. There many other songs that contain this type of disrespect towards the female sex, which gives a more credible argument to those who don’t like rap.Another point people may make against Rap music is the fact that many Rappers Rap and live very violently. Eminem is at the top of my list when it comes to being violent. There’s the song â€Å"Who knew? † in which he defends himself by saying: â€Å"I never knew I, knew I'd effect this kid/ I never knew I'd, get him to slit his wrist/ I never knew I'd, get him to hit this bitch† Although the song in and of itself is a bit ironic, Eminem acknowledges the fact that now he knows he can influence his listeners with his music.And i n â€Å"Love the Way you Lie† in which he says the following verse â€Å"If she ever tries to fucking leave again/ Im'a tie her to the bed and set this house on fire. † we see again the violence, and the music video for said song is of a couple who constantly fight and by the end of the song the couples house is up in flames. â€Å"One study found that young subjects who watched violent rap videos were more accepting of violent actions†¦Ã¢â‚¬  (Copley) and these lyrics that we very well hear over the radio and in our everyday lives promote breaking or disregarding the law, and many people still stop and wonder why the world is so violent.But like stated at the beginning of this paper there is a bright side to this moon. Before writing this paper laziness overcame me and I began to procrastinate and started listening to music and then the song â€Å"Airplanes Part 2† by B. o. b. feat. Eminem came on. Towards the end of the song Eminem says the words  "Pretend he procrastinated had no motivation/ Pretend he just made excuses that were so paper thin they could blow away with the wind† which is what I was doing and it â€Å"turned me on† and opened my eyes.As the song finishes Eminem continues to rap in third person about himself and how if it wasn’t for this one moment in his life that he had not chased his dream he wouldn’t be who he wanted to be. I then proceeded to get up and write this paper. So this song had an effect, a positive one on me. And it can have similar effects on others who listen to it. The language most rappers use is profanity, but a handful of rappers use uncommon words to express themselves, which can lead to one finding out the definition of the word and later possibly using them in school work.For example Eminem uses the word â€Å"antidisestablishmentarianism† which is a political position in the Anglican Church that chooses to withdraw support from certain churches. And n eedless to say I used it in a world history paper. There’s also some songs by the rapper Immortal Technique who uses biblical metaphors in his music like in the song â€Å"Point of no Return† he asks us to open our eyes and actually see what’s going on around us because the end of the world is near. Music like everything else has a good side and a bad side.Most people ignore the good and disregard Rap music as a whole. As expressed in this paper, yes it can have negative effects and influence children to do bad things but it can also influence them in a good way and even give them certain tools to use in the future. Works Cited Copley, J.. â€Å"Rap Music's Psychological Effects. † Psychology at suite 101. Glam Entertainment, 2008. Web. 8 May 2012. . Leary, sam . â€Å"Gangster rap has negative impact on society. † The Daily Campus.N. p. , 2002. Web. 8 May 2012. â€Å"Rap† Encyclopedia of Popular Music. Ed. Colin Larkin.  © Muze Inc and Ox ford University Press, Inc. 2009. Encyclopedia of Popular Music: (e-reference edition). Oxford University Press. Tarrant County College. 8 May 2012 http://www. encpopmusic4. com/entry? Entry=t270. e52529 Lyrics â€Å"Make it rain† Artist â€Å"Fat Joe† Website â€Å"lyrics. com† â€Å"Who Knew† Artist â€Å"Eminem† Website â€Å"lyrics. com† â€Å"Love the way you lie† Artist â€Å"Eminem† Website â€Å"lyrics. com† â€Å"Airplanes Part 2† Artist â€Å"B. O. B. feat Eminem Website â€Å"lyrics. com†

Discuss The Human Impact On Oceans Environmental Sciences Essay

Worlds can hold an unnatural and a monolithic impact on oceans all over the universe. Oceans around the universe are going more and more tarnished due to these impacts caused by worlds. Evidence shows that human activities are changing ocean ecosystems beyond their natural province. These human activities are harming the ocean ‘s capacity to supply nutrient, protect places for the marine life, maintain clean H2O, and recover from environmental emphasiss like terrible storms. A recent survey has mapped the entire human impact on the seas for the first clip, and has revealed that the image is far worse than imagined. Forty per centum of the universe ‘s oceans have been to a great extent affected by human activities, including fishing, coastal development and pollution. The most badly affected countries are in the North Sea, South and East China Seas, Caribbean, Mediterranean, Red Sea, the Gulf, the Bering Sea, the East Coast of North America and the Western Pacific. All of this is due to human activities.OceansAn ocean is a organic structure of saline H2O that composes a big portion of a planet ‘s hydrosphere. The word â€Å" sea † is frequently used interchangeably with â€Å" ocean † , but purely talking a sea is a organic structure of saline H2O partially or to the full enclosed by land. Because the ocean is accounted for being more than 70 % of the Earth ‘s surface, it is hence divided into different parts: ( In falling order ) Pacific Ocean Atlantic Ocean Indian Ocean South-polar Ocean North-polar Ocean Because the ocean is the chief constituent of Earth ‘s hydrosphere, the universe ocean is indispensable to all known life. It besides forms portion of the C rhythm, and influences clime and conditions forms. The entire volume of the ocean is about 1.3 billion three-dimensional kilometers or 310 million three-dimensional stat mis with an mean deepness of 3,682 meters or 12,080 foot. It is besides the home ground of 230,000 known species, nevertheless much of the ocean ‘s deepnesss remain undiscovered and it is estimated that over two million marine species may be. This merely proves how huge and of import the ocean is. It is a shame that we worlds do so much injury to our oceans, cognizing how of import and indispensable it is to us and other life things that require its attending.Importance of the OceanThroughout history worlds have been straight and indirectly influenced by the oceans. Ocean Waterss serve as a beginning of nutrient and valuable minerals, as a immense bas e for commercial manners, and supply a topographic point for both diversion and waste disposal. Gradually, people are turning to the oceans for their nutrient supply either by direct ingestion or indirectly by reaping fish that is so processed for farm animal provender. It has been estimated that every bit much as 10 % of human protein intake comes from the oceans. However, the food-producing potency of the oceans is merely partly recognized. Other biological merchandises of the oceans are besides commercially used. For illustration, pearls taken from oysters are used in jewellery, and shells and coral have been widely used as a beginning of constructing stuff. All living things would non be able to populate on this planet without the oceans. Oceans help chair the clime by maintaining it ice chest in summer and heater in winter. The oceans provide a huge surface country for H2O to vaporize, therefore seting wet in the ambiance so that precipitation may happen. The ocean is the best topographic point where vaporization takes topographic point. The ocean is a big organic structure of H2O, which makes it so convenient for vaporization to take topographic point. Most of the rain comes from H2O evaporated from the oceans. No workss or animate beings, including worlds could last without rain. Sadly, a batch of workss all over the universe acquire small to no H2O, doing them to decease. Therefore they may merely be able to depend on the rain for necessary grounds. And we worlds need workss for the O and other gases that they give off in order for us to remain alive. So if workss die, so we as worlds die along with other populating things. That ‘s merely two of the really major things where at that place could n't even be life without oceans. There is a batch more, like where would all the fish semen from to feed one million millions of people who depend on seafood to last if there were no oceans? In which fish would be a immense precedence for people who non merely feed on fish, but besides fishermen who sell fish as a occupation in order to last. Ocean H2O is processed to pull out commercially valuable minerals such as salt, Br, and Mg. Although about 60 valuable chemical elements have been found dissolved in ocean H2O, most are in such dilute concentrations that the extraction of the minerals found in ocean H2O is n't profitable. Ocean H2O is besides refined to bring forth fresh water. The oceans besides have become more of import for recreational usage, as each twelvemonth progresses, more people are attracted to the athleticss of swimming, fishing, scuba diving, boat racing, and waterskiing, merely to call a few. Ocean pollution in the interim, has escalated dramatically as those who use the oceans for recreational and commercial intents, every bit good as those who live nearby, have disposed of more and more wastes at that place.Human Impacts on OceansWorlds have had a immense impact on the ocean. In fact, grounds of worlds can be found all over the oceans, even in the most distant polar countries, in the signifier of drifting rubbish. Worlds are the chief cause of pollution of the ocean. Washington Post published that â€Å" Human activities are impacting every square stat mi of the universe ‘s oceans, harmonizing to a survey by a squad of American, British and Canadian research workers who mapped the badness of the effects from pole to punt. † Som e factors included warming ocean temperatures because of nursery gas emanations, alimentary overflow and fishing. The countries that are under the most stress due to human activities are the North and Norwegian seas, South and East China seas, Eastern Caribbean, North American eastern seaside, Mediterranean, Persian Gulf, Bering Sea, and the Waterss around Sri Lanka. Some marine ecosystems are under terrible force per unit area like sea saddle horses, mangrove swamps, sea grass and coral reefs. Almost half of all coral reefs experience medium high to really high impacts from worlds. Large and little contributing factors significantly pollute both inland and coastal Waterss by dumping their natural sewerage. Accidental oil spills or flushed oilers and seaward rigs ( 900,000 metric dozenss yearly ) , tarnishes beaches and injuries bird, fish, and works life. Worlds dump a batch of waste in the ocean such as rubbish, sewerage, oil, chemicals, heat, and even â€Å" noise † merely to call a few. As the human population additions on the Earth, these beginnings of pollution addition. Small sums of pollution do non harm the ocean ecosystems. In fact, sometimes the dumping of nutrient waste in the ocean can increase the productiveness of an country by providing an extra nutrient beginning for the marine animate beings. But, this is ever changing the natural province and normally becomes destructive in the long tally. Here are some of the impacts on the ocean that humans cause: Oil spills- Oil floats on the surface of the ocean, so when oil spills occur, the oil tends to stop up on the shore where it negatively impacts coastal wildlife and worlds. It can ache wildlife by squashing down bird plumes, lodging to angle gills, interrupting genteelness, and by poisoning animate beings and workss. Worlds are affected when beaches are closed and seafood can non be harvested. Once an oil spill occurs, chemicals may be used to spread the oil, but these chemicals may besides be toxic to marine life. To clean up a spill with minimal impact to the environment, bioremediation may be used. In this procedure, N and phosphorous-rich fertilisers are added to the contaminated beaches to excite the growing of bacteriums that purportedly eats off the oil. Sewage and trash- Trash is one of the most, if non, the most widespread pollutants that are caused by worlds. Beaches all over the universe become littered with the rubbish produced by world. Much of which is disposed of at sea and so drift all over the universe in the ocean currents. Everywhere in the universe, there are trash and sewerage being dumped into the ocean. Sewage Acts of the Apostless as a fertiliser and can be responsible for toxic plankton. Another possible consequence caused by sewerage is detoxification. Detoxification kills marine life because there is non adequate O in the H2O to take a breath. Sewage may besides take to diseases and unhealthy chemicals like heavy metals and other pollutants into coastal Waterss. Although the ocean is good at fring itself of pollutants by chemical procedures and dilution, as coastal populations grow, so make the human impacts on the marine environment. Storm drain and River run-off- These impacts begin far off from the seashore. This impact has a batch of pollutants that finally finds its manner to the ocean. Pollutants like a Styrofoam cup, oil and gasolene, soap from rinsing autos, a confect negligee, and old smoked coffin nails are some illustrations of storm drain and river run-off. Fertilizers, soap, and organic wastes will increase plankton and bacterium degrees in the ocean the same manner sewerage does. Oil and gasolene are toxic in both fresh water and seawater. A cloaca works may go overladen with sewerage and may be unable to handle it. This may go on during rain storms if the rain H2O is directed into storm drains that go to the cloaca works. Because of this many metropoliss now have storm drains that take the overflow H2O straight to the ocean which can be another job if the H2O is contaminated Watersheds- Watersheds can sometimes construct up sewerage, normally due to improper infected systems or people utilizing the watershed as an outdoor privy. When it begins to rain, these water partings are flushed into the ocean and highly high degrees of human sewerage contaminate the ocean. Thermal pollution- Thermal pollution is a by-product of the ocean ‘s usage as a chilling agent. The cool ocean H2O taken in is released at a higher temperature. Although the temperature of release is normally controlled by Torahs, and is non such a menace as the other signifiers of pollution are, one could conceive of what it would be like if more and more workss began utilizing ocean H2O as a coolant.DecisionWorlds are decidedly a monolithic impact on the ocean. We as worlds truly benefit from the ocean, but we still are harming it in so many ways. Without the ocean, there would be desperate effects non merely for worlds, but for all living things that depend on it.. Worlds along with other living things would non be able to populate on this planet without the ocean, and I do n't believe the planet would be able to transport on for long if there were no ocean. The ocean is get downing to alter along with planet Earth. The manner the worlds are impacting the ocean is really unsafe and is safe to nil that lives in it. The dumping of sewerage and rubbish and other pollutants in the ocean is staining and killing the marine life and the pureness of the ocean. Earth ‘s planetary ocean is the largest confirmed surface ocean on all discernible planets. This comes down to the fact that it takes up more than half of the Earth ‘s surface ; therefore it is the most of import portion of the Earth. And we as worlds need to take attention of it, in footings of its province of cleanliness. Because without the ocean, everything on the Earth will die.

Motorcycle and Honda

TUTORIAL PREPARATION INTERNATIONAL MARKETING (MKT 343) 1. How can companies learn from Honda’s investment in the Indian market? Honda had showed a great way to invest in the Indian market as in they choose to generate a new model in vehicle aspect. During that time, Honda arrived at the right time because the country is under low vehicle-penetration rate and the country expects vehicle production will increase by 9% annually to 2011. Before Honda starts its business over the country, they choose Hero as their business partner because Honda realised the potential by finding synergies between the two firms which is Honda and Hero.Both combine as a partnership and invented a motorcycle. Other than that, Honda utilise the experience and market knowledge to understand the country needs and produce according to their demand because selling motorcycle in India is extremely profitable business. After succeed two-wheeler motor vehicle manufacturer in the world, Honda continue to take o pportunity to establish another Honda giant, Honda Siel Cars India Ltd (HSCL). Then they enrich Indian users lifestyle by forming Honda R&D (India) (HRID) Pty Ltd. Thus, Honda had adapted the country’s lifestyle which helps them to achieve the demand of people in India. . Honda and Hero – what made them such a great partnership? Honda had chosen Hero which creates a great partnership between them. Hero was built in the network of independent bicycle dealers which had already established one of India’s leading bicycle brands meanwhile Honda had been waiting for years to sell motorcycles I India because the country’s motorcycle business is extremely profitable. Then Honda realised the potential between this two firm where they had shared a similar operating disciplines and the potential of converting Hero’s large network of bicycle dealers to motorcycle dealers.Hero Honda successful show as the largest two-wheeler motor vehicle manufacturer in the wo rld and in India its annual sales volume is over three million motorcycles. 3. Imagine yourself as CEO of Honda in the Asia Pacific region. Would you choose India or China to establish a new manufacturing plant for producing cars and two-wheelers? I would choose India to establish a new manufacturing plant for producing cars and two-wheelers. The reason I choose India is because of few factors.First, the production cost in India is low compare to production cost in China because India is not a large country and less manufacturer around but China got higher potential to increase their production. Next, there is less competitors in India during the year 1980s due to the reason where many had failed before to enter a new market in that country. The reason why I don’t choose China is because the citizens in China are united. They would rather support local product more than foreign product because the government wanted to protect their country’s domestic.In the 1980s, fore ign automakers were allow to form joint ventures in China but the foreign ownership limited to 50% only meanwhile another 50% must own by Chinese. Other than that, China government wanted to develop a car industry quickly thus they learn from the foreign companies how to make cars while maintaining control of the car industry. In this point, it shows clearly that China wants most of the ownership by themselves and foreigner instead of earning more profit; their techniques have to be taught to others which will cause their own production to decrease after years.

Land Law Essay

Proprietary estoppel protects a person who has a non contractual agreement over land but they have suffered a detriment due to them acting upon a reliance based on an assurance made by the claimant. There has been much discussion in recent case law and academic commentaries as to the elements which make up the nature of proprietary estoppel. Unconscionaibility is a major point for discussion in deciding whether it should be treated as a separate element or if it is linked into the three main elements. This essay will consider and discuss the nature of proprietary estoppel and the two views on unconscionaibility; whether there will always be unconscionaibility if there has been a non-performance of an assurance causing the claimant to suffer a detriment based on the assurance which they relied on or if unconscionaibility should be proven as a separate element in each case. The starting point of proprietary estoppel was in the case of Willmott v Barber (1880) where five criteria were laid down, which had to be satisfied by a person claiming proprietary estoppel and the courts applied these criteria to a wide range of proprietary estoppel claims. However these criteria were criticised for being too strict leading to the broader approach established in Taylor Fashions Ltd v Liverpool Trustees Co Ltd (1982) where Oliver J stated: ‘whether, in particular individual circumstances, it would be unconscionable for a party to be permitted to deny that which, knowingly or unknowingly, he has allowed or encouraged another to assume to his detriment’. Although the approach became broader there still remained essential elements which must be satisfied for a successful claim. The more modern approach towards proprietary estoppel is based on three main elements, firstly an assurance of land or property being made to the claimant, the claimant relying on the assurance which has been made and finally the claimant suffering a detriment as a consequence of relying on the assurance made. The main point for discussion and questioning in proprietary estoppel is the role of unconscionaibility and whether it should be treated as a fourth element which too must be satisfied in order for a claim to be successful or if unconscionaibility is interlinked with the other elements of proprietary estoppel. Proprietary estoppel acts as ‘a sword and a shield’ and can be used in one of two ways. ‘Put positively, the reason why it is possible to use proprietary estoppel to generate a property interest in a favour of a claimant despite the absence of the normal formality rules is because of the need to prevent unconscionable conduct. This is why unconscionaibility is the foundation of estoppel. It is the antidote to the otherwise fatal absence of formality. ’ This is one of the views on unconscionaibility which suggest that unconscionaibility is at the heart of proprietary estoppel rather than a separate element of it. The first element of proprietary estoppel is encouragement where the claimant’s belief that they would have some rights over land or property has been encouraged by the promisor and this could have been done actively or passively. Active encouragement is seen in common expectation cases where the claimant has been actively persuaded through an express representation as in Inwards v Baker (1965) where a son was actively encouraged to build on his fathers land in the expectation that it would be his in the future. Common expectation cases are dealt with more generously by judges, compared to passive cases, as the promisor has lead the claimant to have a reasonable belief that they would acquire the land therefore leading them to rely upon that assurance causing them to suffer a detriment. It would be seen as unconscionable in a common expectation case for the claimant to have been encouraged to suffer a detriment for the promisor to then go back on their assurance, meaning that unconscionaibility is instantly a running theme in the elements as it can be seen at the first instance and should therefore not be treated as a separate element. The encouragement could also be passive, for example a land owner standing by watching someone build on their land knowing that somebody is acting under a mistaken belief. The nature of a passive expectation made to the claimant can be distinguished in commercial and domestic cases as was seen in Cobbe v Yeoman’s Row Management Ltd (2008) where the House of Lords established that the expectation of an interest in land should not be vague in a commercial situation. The expectation should be for ‘a certain interest in land’ for proprietary estoppel purposes which was not the expectation held by Cobbe therefore the expectation was held to be too vague. Lord Scott stated ‘Unconscionaibility in my opinion plays a very important part in the doctrine of equitable estoppel, in unifying and confirming, as it were, the other elements. If the other elements appear to be present but the result does not shock the conscience of the court, the analysis needs to be looked at again. This statement shows how case law endorses the unconscionaibility approach as being interlinked with the other elements of proprietary estoppel however if all of the elements are not satisfied there can not be a claim for proprietary estoppel as is the case here. In domestic (family) cases, the nature of the expectation doesn’t have to be so specific as long as there is an interest or right in land that would amount to a significant expectation. The assura nce made must be clear enough so that claimant is found to have relied upon. Lord Walker stated in the case of Thorner v Major (2009) â€Å"There is no definition of proprietary estoppel that is both comprehensive and uncontroversial†¦the doctrine is based on three main elements, although they express them in slightly different terms: a representation or assurance made to the claimant; reliance on it by the claimant; reliance on it by the claimant; and detriment to the claimant in consequence of his (reasonable) reliance† One view on unconscionaibility stated that ‘Once there has been detrimental reliance on an assurance, it is unconscionable to withdraw it’ therefore if it cannot be proven that an assurance existed then it wont be unconscionable for it to be withdrawn showing that unconscionaibility is a running theme within proprietary estoppel rather than a separate element. One difficulty in deciding these kinds of cases is that although an assurance has been made to the claimant in the way of a will, the claimant is also aware th at the will could be revoked at any time therefore the question to be asked is whether their reliance based on the assurance was adequate. The second element of proprietary estoppel is reliance where the claimant must have been encouraged to rely on the promisor’s assurance which has caused them to suffer a detrimental loss by changing their position and there must be a sufficient causal link between this in that the encouragement must have caused the detriment suffered. Reliance can not be treated as an element alone it has to have caused a change in the position of the claimant, if no detriment has been suffered then there can be no claim for proprietary estoppel. There are several ways in which the courts can show how the claimant was influenced to rely on the encouragement; firstly is by clearly showing that there has been a change in position by the claimants positive act, for example the claimant spending money on the land or making property improvements based on the assurance that it will become theirs, causing them to suffer a detriment. Where the claimant has acted in a way different to what he would had the assurance not been made nd relied on this can also show how the encouragement has influenced the reliance causing a detriment as in Jones (AE) v Jones (FW) (1977) where a son acted on the assurance of property becoming his left his job and house to live with his father, however had the assurance not had been made he would not have done this leading to the detriment that he suffered. There can be a presumption made that the claimant relied on the assurances given to them based on there conduct and in these cases the burden is put onto the other party to prove that the claimant did not rely on the promises made and this is hard to prove as it is a subjective matter based on the claimants state of mind. This was the case in Greasley v Cooke (1980) where the defendant did not have to prove that she relied on assurances as it was presumed from her conduct. The final element of proprietary estoppel is that the person must have suffered a detriment due to the reliance on the assurance which has caused a change in their position. The detriment suffered can be in many forms not just that of financial detriment although it must be substantial in making it unconscionable for the land owner to withdraw their promise of land to the claimant. Walton v Walton (1994) shows where financial detriment wasn’t the main detriment suffered, the claimant had suffered a personal detriment as he had spent years of his life relying on the assurance made to him that the farm would one day be his, and he couldn’t get those years of his life back. Public policy in formalities of contracts plays a major part in the deciding claims for proprietary estoppel. Section 2 Law of Property (Miscellaneous Previsions) Act 1989 states that (1) A contract for the sale or other disposition of an interest in land can only be made in writing and only by incorporating all the terms which the parties have expressly agreed in one document, or where contracts are exchanged, in each. This act stops informalities in land transfers where a claimant would be expected to sign up a contract but hasn’t done so, as in Cobbe, and this is where they would turn to proprietary estoppel to try and show that the detriment which they have suffered is due to the unconsionability of the removal of the assurance which they had originally relied on. Proprietary estoppel acts as a way around formalities and a form of protection for those who have not followed contractual formalities in the transfer of land. Why should people be able to use proprietary estoppel to make a claim for land where they have followed formalities and drawn up a contract as in Cobbe, it can be seen that it is not unconscionable for the promisor to withdraw as there is no contractual agreement. However in domestic cases where there wouldn’t always be an expectation of a legal contract to be drawn up proprietary estoppel can stop unfair decisions being made due to the lack of formalities where it would be unconscionable for the defendant to suffer a detriment due to an assurance on which they have relied. There are clearly two competing arguments against proprietary estoppel, the first being that ‘once there has been detrimental reliance on an assurance, it is unconscionable to withdraw it. Indicating that unconscionaibility is a function of the three elements. If unconscionaibility was seen as a separate element then it would be pointless in having formalities as it wouldn’t matter whether it was unconscionable or not as long as the other elements had been satisfied. The second view on unconscionaibility is that of it being a separate fourth element and in some circumstance this can be seen as being successful for example in commercial cases where the first three elements of proprietary estoppel have been established but it would be unconscionable for the claimant to benefit due to the lack of formalities and contractual agreement.

Writing Project 2 Essay Example | Topics and Well Written Essays - 1000 words

Writing Project 2 - Essay Example The text is written in a way to criticize one’s self. Before anyone could call him an idiot or sick he calls himself ill-minded. The context of the song is the over popular rap image of hip hop artists. In today’s world, TV and media has made the youngsters believe that good life is about making money and doing drugs because that is what the superstars do. It is called the celebrity lifestyle. And everyone seem to join that club. It is just a smoke screen and people are wasting their lives, dreaming about that dream that someday they will have lots of money like those superstars they see on TV and then they will have ‘fun’. Hopsin 5 addresses this ‘fun’ in this song and trues to make a mockery of the vision it generates in people’s minds. Asking â€Å"Is that all you think life really is?† (Hopsin 5, 2012). It is very hard to find the subtext in this song. Rap songs are generally very explicit and there are usually not many hidden meanings. The general idea behind a rap song is ‘being real’ and not hypocritical; saying what you mean exactly how you mean it. Hopsin 5 does exactly that. He is trying to wake up his generation who in his opinion are like zombies. Their brain cells are rotting because of drugs and pop culture. At the start of the song Hopsin says this addressing the ‘kids’ he sees on the street. He says he has become a freak for those kids who stare at them. But in fact Hopsin 5 is observing them when they talk about cursing school and dropping out of school. Later in the song he addresses the same issue of dropping out and says that many kids are in school because their parents send them there, it is not their choice. Referring to a gift they have but they don’t appreciate. Hopsin 5 was not as famous as some of the rap superstars like Snoop Dog, Eminem or Jay Z. He starts his song by saying that he doesn’t like rap and shows his disgust. But he raps only b ecause it works, it delivers the message and more importantly he can â€Å"if the shoe fits, wear it". It is very hard to say that Hopsin was a credible figure at the time he released this song and that his image and his personality would have ‘sold’. He calls himself a freak that the kids stare at him, only to make him more difficult to agree with. Pathos of Hopsin 5’s argument is very strong. In fact it is the single most powerful aspect that actually convinces the listeners that what he has to say is the truth. It is the pathos (the emotional appeal) that has got him over 32 million views for his song on YouTube (Hopsin 5, 2012). He puts his heart in the song and its shows. Other than the context, subtext and intertextuality, the video shows him persuasively and even aggressively talking or even ‘rap lecturing’ some ‘kids’ (kids is a just a slang for youngsters, the age group can range from 13-30) who are doing drugs and acting †˜cool’. The song is filled with second person narrative. The word ‘you’ has been used extensively, for each and every listener of the song. And that makes the emotional exorcism even stronger. The listener immediately starts to analyze himself. The target is the kids that are hooked to hip hop and ‘you’ is used to give them the rap lecture. This ‘you’ is the main weapon of the pathos as Hopsin 5 delves into what ‘your’ image of a fantastic life is. He shows ‘you’ the mirror and rephrases the dreams these kids cook up; to sell drugs so they can make them lots of money, and showing their bullet scars as trophies and that it is fun to live life like that. In the song he talks to this girl who is pregnant. He tells him that she is pregnant because it’s her own fault. All that glitters is not gold. If girls go to the

Case Study - planning & strategy in small business Essay

Case Study - planning & strategy in small business - Essay Example 56). His management of finances proved to be good. As the owner of the firm, James has proved skillful in managing its finances and thus ensuring that success is attained. The overall overheads in the company have been minimal by the reduced cases of unnecessary taking of risks and by assigning all work in the firm on a sub-contract basis. The reduction of bad debts is another measure of his finance control. His checking of the profit margins involving all the contracts the company awards, the minimal cases of business bad debts and the leasing of land for business expansion has boosted his finance managerial skills. He is experienced and understands the market demand for the business. His vast knowledge on the relationship between employee productivity and their comfort prompted his venturing into this type of business. His business idea was spurred by his experience in the building and construction field and the knowledge on the existing market competition (Thomas 2006, p. 190). The ch ampioning of new ideas and development of existing ones has ensured growth. He is inexperienced at controlling and managing human resources. The result of his taking of human resource management position, which requires a competent person, has led to his arrogant nature in relation to employee-employer relationship. He cannot delegate duties as a result of his mistrust of employees. The effect is reduction in employee performance as a result of lack of team spirit and motivation which develops into low productivity. This is the case in Comfort Homes where James, despite his lack of experience in human resource management takes the position and controls everything without considering his employees in any decision making. He, however, gets things done but the employees do not feel as part of the company. This has led to poor communication system at the firm and lack of new ideas to steer the business towards growth. For instance, the failure to involve Kevin

Consider the claims that Baudelaire makes and the points of argument Assignment

Consider the claims that Baudelaire makes and the points of argument that he makes - Assignment Example Instead, it posits the popular sense of being a mirror of the physical, visible world. However, at the same time to a fine artist, the photograph would depict a sensational piece of artwork depending to the title that it is given. If the title in totally sums up all the elements of the photograph without exaggeration or assumption, then it would much the fine art that Baudelaire talks about. The photograph does not show the element of surprise that would also symbolize a sense of beauty that comes with it. The photograph seems more or less dry, lacks taste and a sense of humor or wonder (85). This is due to lack of beauty that goes hand in hand with wonder and enthusiasm of scrutiny at the image as an image of mental reflection by the artist and the art lovers. As such the photograph is a qualification of the fact that photography cannot be allowed to deputize arts activities as it will altogether corrupt the good work of art. Photographs in many instances serve as a reminder of the many memories that the photographer would prefer to keep. The consideration of photography as an important part of the art does not reflect wholly on what fine art ought to be. Photographs in terms of artwork do not depict the amount of creativity of the photographer as much as painting would (86). This is because in photography, in most cases there is no a predetermined kind of thoughts and imagery that runs in ones mind as is mostly seen in the art of painting. As time goes by the scene of art has been corrupted as more and more elements are being considered as a piece of art so long as it is beautiful to the eye of the public. As a result, "art is losing in self-respect, is prostrating itself before external reality," (88) while the artists have become more inclined to works that are not driven by dream but what is appealing to the physical eye. The creativity of an