ICICI Prudential â€Multiple Channel Distribution Essay Example for Free

ICICI Prudential –Multiple Channel Distribution Essay In terms of the future of the Indian insurance industry, what do you think are the measures that can be taken/ have been taken by ICICI Pru to further strengthen its distribution system to meet the competition? Bring out the drawbacks of the existing channels and the need to explore new avenues. Distribution Scenario in the Indian insurance Market The major challenges to insurers and intermediaries in highly competitive Indian insurance market are: 1. To build faith about the company’s insurance services in its customer’s mind  2.  To develop relationship(in terms of credibility) between intermediaries and clients 3. To develop extensive network for providing best service and stay close to the customers Capturing larger segment –Rural India Except ICICI Prudential, all the insurance companies have traditionally tied agents that have been the primary channels for insurance distribution in the Indian market. In case of the public sector insurance companies such as LIC, SBI etc. they have used their branches in almost all parts of the country and have attracted local people to become their agents. While ICICI Pru has used multiple channels such as bancassurance, direct marketing and corporate agents for their insurance distribution and have covered 69 cities and towns in India. By the virtue of these multiple distribution channels, ICICI Pru became leader in Indian insurance sector in short span of time with maximum contribution form bancassurance channel. However, these channels were targeted mostly at urban customers while the 70-80% of the Indian population stays in Rural area. ICICI Pru has tried to cater rural customers by joining hands with BASIX, World vision, Dhan, Shepherd, Uttaranchal Co-operative Marketing Federation, nLog Communiaction, ITC’e eachaupal etc. But, to cover the maximum possible rural market and develop strong rural insurance market at optimum cost for ICICI Pru, according to me India Post is the best intermediary option. India Post is one of the oldest infrastructure developed in India and it would be the best channel to reach Indian rural customers at very low cost. The postman are the best friend and information source to the village people. Hence they are the best fellows to create awareness about the company’s services and to distribute different insurance products. Thus they are the best sales man to build credibility about the company in rural India. Also the postmen have basic education in terms of services, hence the company can train them for their services at a very low cost. Thus the overall cost for reaching rural customer would be lower compare to all other possible options.

Symbolism in Hawthornes Young Goodman Brown Essay -- Young Goodman Br

Symbolism in Young Goodman Brown  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚        Ã‚      Edmund Fuller and B. Jo Kinnick in â€Å"Stories Derived from New England Living† state: â€Å"Hawthorne’s unique gift was for the creation of strongly symbolic stories which touch the deepest roots of man’s moral nature† (31). It is the purpose of this essay to explore the main symbolism contained within Nathaniel Hawthorne’s tale, â€Å"Young Goodman Brown.†    Stanley T. Williams in â€Å"Hawthorne’s Puritan Mind† states that the author was forever â€Å"perfecting his delicate craft of the symbol, of allegory, of the few themes and oft repeated character-types which were to haunt forever the minds of those who know New England† (42). Let us begin with the opening lines of the story: â€Å"YOUNG GOODMAN BROWN came forth at sunset, into the street of Salem village. . .† What is Goodman Brown symbolic of? 1.   According to Levy, he â€Å"is Everyman.   The bargain he has struck with Satan is the universal one . . . . Initially, he is a naive and immature young man who fails to understand the gravity of the step he has taken . . . [which is] succeeded by a presumably adult determination to resist his own evil impulses† (117).   2.   Fogle writes that he is â€Å"a naive young man who accepts both society in general and his fellow men as individuals at their own valuation, [who] is in one terrible night confronted with the vision of human evil . . . † (15). 3. Q. D. Leavis in â€Å"Hawthorne as Poet† states that â€Å"the relevant point is that Young Goodman Brown is Everyman in seventeenth century New England† (35). And what is Salem village symbolic of?   It was â€Å"th e center of the witchcraft delusion, in the witching times of 1692, and it shows the populace of Salem Village, those chief in authority, as well as obscur... ... Norman:   U of Oklahoma P, 1952.    Franklin, Benjamin V.   â€Å"Goodman Brown and the Puritan Catechism.†Ã‚   ESQ   40   (1994):   67-88.    Fuller, Edmund and B. Jo Kinnick in â€Å"Stories Derived from New England Living.† In Readings on Nathaniel Hawthorne, edited by Clarice Swisher. San Diego, CA: Greenhaven Press, 1996.    Hale, John K.   â€Å"The Serpentine Staff in ‘Young Goodman Brown.’†Ã‚   Nathaniel   Hawthorne Review   19   (Fall 1993):   17-18.    James, Henry. Hawthorne. http://eldred.ne.mediaone.net/nh/nhhj1.html    Leavis, Q. D. â€Å"Hawthorne as Poet.† In Hawthorne – A Collection of Critical Essays, edited by A.N. Kaul. Englewood Cliffs, NJ: Prentice-Hall, Inc., 1966.    Levy, Leo B.   â€Å"The Problem of Faith in ‘Young Goodman Brown.’† Modern Critcial   Views:   Nathaniel Hawthorne.   Ed. Harold Bloom.   New York:   Chelsea House, 1986.   115-126.

Braking History Essay

In a little over a hundred years since the automobile took hold of people’s imagination, technologies designed to make them accelerate faster and reach higher speeds have evolved with a fury. The brakes that were used to decelerate vehicles just over a hundred years ago (when cars were first invented) has evolved from plain wooden blocks to discs that are monitored by Anti-lock Brake Systems and Electronic Braking Distribution systems. The earliest braking system that used by vehicles consisted of nothing more than a block of wood and a lever system. The wood brake system worked fine in conjunction with early vehicles that were equipped with steel rimmed wheels. However, when the Michelin brothers started to replace steel rimmed wheels with rubber tires on most vehicles towards late 1890s, the wood block braking system just does not create enough friction with rubber. Since the need for a new method of braking was necessary in order to replace the old wood block braking system, inventors scrambled for new ideas. The French manufacturer Louis Renault took crude concepts of inventors before him and developed method: The drum based braking system. Basically, the system involved a single flexible stainless-steel band, wrapped around a drum on the rear axle. When the driver engaged the brake, the band would apply pressure to the drum and car to come to a stop. However, the drum braking system did have a number of problems. Since the drum brakes were external, the exposer caused a very rapid wear-out of the system and had to be replaced often. The band itself would sometimes unwrap on hills and proved to be very unsafe for the driver and passengers. Even though people came up with ideas to internally place the brakes, the era of mechanically-activated brakes was coming to an end. In 1918, A four-wheel hydraulic-brake system was invented by Malcolm Loughead. This system used fluids to transfer the force on the pressed pedal to the pistons and then to the brake shoes. In other words, it was the enhanced drum based system added with power support. The system quickly became popular due to the fact that it is much easier to operate and more effective than mechanical systems. Thus, it was adapted quickly by most of the automotive world. As the vehicles evolved to be heavier and faster, heat distribution started to become a major problem for the drum hydraulic-brake system due to increased friction. Disc brake system that was made from iron was invented to solve the problem. In order to stop the car, the brake pads are squeezed by a calliper which is pressured by the hydraulic, and then the discs are squeezed by the braking pads. Lining was placed on the braking pads to reduce the noise when the metal came in contact. This was as far as the braking system went in terms of mechanics. However, additional features such as the ABS (Anti-Lock Brakes), EBS (Electronic Braking system), and EBD (Electronic Braking Distribution) were implemented to further enhance the performance and safety of brakes. Since the industry was constantly seeking for replacements and innovations, achieving â€Å"the Minimum Winning Game† (MWG) is extremely important in not only the auto industry, but any high-technology ventures in general. By definition, the â€Å"Minimum Winning Game† is: Defining the first major market opportunity that is limited enough to provide a clear target for technology and product development efforts in the short-to-medium term, and sufficiently large that successfully pursuing it provides a foundation for long-term corporate development. Defining the â€Å"Minimum Winning Game† of any new breaking system is a difficult yet critical responsibility of management to keep the new innovation focused and able to learn from its ongoing efforts in the face of rapidly evolving technological and market uncertainties. Balancing a combination of the three drivers is essential in achieving the â€Å"Minimum Winning Game†. The drivers are: technology development, product development, and strategy development. Effectively pursuing these drivers will contribute positively, but allowing one to become the sole driver is likely to derail the venture from the path toward its Minimum Winning Game. Since braking technology is in such high-tech environments the pace of change is extreme. Instilling strategic discipline early on can prevent the new innovation of brakes to fall into the â€Å"Field of Dreams† trap: building the technology and it will become useful, while simultaneously increase the chances of its success.

Moving and Handling

Arega Arutiunian NVQ level 2 – Moving and Handling . How to Transfer a Weak Patient from Bed to Chair/Wheelchair . Lying in bed for a long period of time is generally depressing and boring for most patients. Being transferred on a chair enables the patient to execute some slight movements that is beneficial in improving circulation. As for being transferred on a wheelchair, it serves as a way to transport a weak patient on hospital areas , to the bathroom or in the lounge room . First i must inform the patient about the procedure. If the patient wants to be transferred on a chair, i will explain the details .And if there is a need for him to be transferred on a wheelchair, i need to explain the purpose and destination of the transfer. Using a nice tone of voice and right body language. Informing the patient will facilitate cooperation and will make him feel that he is being respected rather than being controlled. Position the chair or wheelchair next to the bed facing the foot of the bed. I need to bring the chair as close as possible to reduce the distance of the transfer. If a wheelchair is used, i will make sure to lock its brake and fold the foot rests, as soon as my position it near the bed.I need to adjust the height of the bed in its lowest position-this way it will be easy for the patient to step down on the floor, thus, decreasing the risk of injury from falling. I will lock the brake of the bed and then assist the patient in doing side lying position, facing the direction of the transfer. I need to lace one arm under the shoulder of the patient and the other arm supporting the patients’ thigh on the opposite side. Count to three and then carefully swing the legs of the patient over the side of the bed and assist him in lifting his trunk and shoulders until he is in sitting position.If patient is strong enough to do some movements, i can allow the patient to participate on the manoeuvre. I will ask patient to use the leg on the outer side of the bed to scoop the leg on the other side. Than carefully swing both his legs on the side of the bed and then assist him in lifting his trunk and shoulders until he is in sitting position. Place my arms around the torso of the patient for support. Put one arm of the patient over my shoulder -while his other arm is extended on the bed, to help support the position.Instruct the patient to scoot over the edge of the bed until feet is flat on the floor. Widen the distance of my feet, with right foot forward, and the left foot back for an easy shift of my weight as i lift the patient. Maintain the position above, with my arms still supporting the torso of the patient. One arm of the patient should still be on my shoulder and his other arm should still be extended on the bed (palm flat on bed). Slightly bend my knees and lean my body. Then i will instruct the patient to get ready for a push from one arm that’s extended on the bed, as i lift him up to standing position.Count to three as i assist the patient to standing position and he is pushing off from at the same time. Need to raise patient to standing position and keep my back straight. Pivot the patient so that his back is positioned in front of the chair or wheelchair- i need to instruct him to grasp on the armrest for additional support, and then slowly assist the patient as he lowers himself on the seat of the chair. Help the patient in positioning himself properly when seated. I need to make sure that his buttocks are entirely rested on the seat and his back firmly resting on the back support.When in a wheelchair, i should place his arms on the armrests and his feet on the footrests. How to Use a Hoyer Lift to Transfer a Patient A Hoyer Lift is a lifting device or hydraulic lift that is commonly used in nursing homes and other medical facilities to help transfer patients from beds to wheelchairs and back again. Special care and attention needs to be used when transferring any patient using a Hoye r Lift, as injuries and even death may result from improper techniques or use of the lift. Position the sling that comes with the Hoyer Lift beneath the patient to be transferred.In some cases, caregivers will be required to carefully roll the patient from side to side in order to position the sling properly. I need to make sure that the sling is evenly distributed, without wrinkles and is correctly positioned, the seam side of the sling away from the skin of the patient. Need to move the Hoyer Lift so that the extended legs slide under the bed. The legs of the Hoyer Lift are able to open and close to facilitate wheelchairs. I should slide the Hoyer legs under the bed until the swivel bar hook of the lift is directly over the patient's abdomen. Attach the einforced â€Å"O† rings in the sling straps that have been placed around the patient's legs first, connecting to the â€Å"S† hooks of the Hoyer Lift first. Need to make sure that the leg straps (if two are present) are positioned to prevent the patient from slipping out of the sling. Should point the tips of the â€Å"S† hooks away from the patient's face for extra safety. Need to attach the shortest web strap through the hole for the back and head support part of the sling, which will help make sure the patient will have neck and head support when lifted. Then, i must attach the web   straps to the swivel bar.Press the button that will engage the lift and slowly lift the patient, maintaining control of both the sling and the lift. The Hoyer Lift should always be used with two people. One person should be helping control movement of the patient while the other operates the lifting mechanism and opens the legs of the lift for optimal stability. One person should always maintain control of the patient in the sling while the second person operates the lift. Once the patient is centred over a wheelchair or bed, lower the lift and then reverse the process used to place the sling .

A biosensor is an analytical device Essay Example

A biosensor is an analytical device Essay Example A biosensor is an analytical device Paper A biosensor is an analytical device Paper Essay Topic: Analytical A biosensor is an analytical device which uses biologically-sensitive material to detect biological or chemical species directly without the need for complex sample processing. It is usually made by attaching a biologically-sensitive material to a suitable transducing system, which converts the biochemical response into a quantifiable and processable electrical signal (Ngweinbi Suleiman, 1990). The biologically-sensitive materials can be an enzyme, multienzyme system, organelle, membrane component, a bacterial cell or other whole cell, an antibody or an antigen, or whole slices of mammalian or plant tissues, etc. These materials are responsible for the recognition of the test species in the mixture and provide the selectivity and sensitivity of the final device. When biological molecules interact specifically and reversibly, there is a change in one or more physico-chemical parameters associated with the interaction. This change may produce ions, electrons, gases, heat, mass or light. These quantities are converted into electrical signals by the transducers, amplified, processed and displayed in a suitable form (Sethi, 1994). Biosensors are devices that combine the selectivity and specificity of a biological component with a suitable transducer. The biological sensing element, usually an enzyme or an antibody, recognizes the complementary molecule and the resulting biochemical changes are transduced into a concentration dependant proportional signal (Calvo Danilowicz, 1997). In order to measure a physical quantity, a sensor must fulfill a number of criteria which indicate its aptitude for meeting the requirement. All useful information about a physical event can be obtained if the biosensor provides a signal that has a direct relationship with the quantity under investigation. The biosensor must also meet the requirements connected with the measurement itself, which are repeatability, reproducibility, selectivity, sensitivity, a linear region of response, and a good response time (Tran, 1993, p.8). The most fundamental principles for classifying biosensors depends on the measurement of fractional occupancy of ab binding sites, as the occupancy of the ab binding sites by the analyte depends on the analyte concentration in the sample. Anayte binding by the ab does not generate a signal, which can be easily measured. Therefore, indirect immunosensors require a tracer as helper agent (Bilitewski, Turner, p.118). In a biosensor, the transducer plays a physical role, and the biorecepor has the role of molecular recognition. The information decoded by the bioreceptor is converted into an electrical signal by transducer, using measuring techniques like potentiometry, amperometry, thermometry or photometry, all of which are based on the variation of physical quantities (Trans, 1993, p.10).

A Division of Parody Productions Essay Example for Free

A Division of Parody Productions Essay ? Parody Productions, LLC is a company that sale his playing cards over the internet. The product portrays well-known players from a sports team’s history. The plaintiff in this suit, Ronald Swoboda, is included in the New York Mets Hero Deck. Swoboda claims that he has never given Parody permission to use his image. He further contends that through his attorney he sent Parody a cease and desist letter. Parody refused to stop selling cards with Swoboda’s name and images. In response, Swoboda filed the instant lawsuit to enjoin Parody from the continued use of his name and likeness and for damages for violating his right to publicity, and, alternatively, damages for unjust enrichment. The trial court sustained the exception of lack of personal jurisdiction and this appeal followed. 2. ISSUE: The issue is â€Å"Did Court of Appeal of Louisiana approve lack of personal jurisdiction of an internet merchandiser?† 3. DECISION: Affirmed Since 1945, technology has advanced to such a degree that it is possible for sellers to reach consumers in their homes worldwide. The onset of the Internet has created a lapse between the method of doing business in 1945 and the legal system’s ability to keep up with technology. The â€Å"purposeful availment† requirement for the exercise of personal jurisdiction over a nonresident defendant ensures that it will not be haled into a jurisdiction solely as a result of a random, fortuitous, or attenuated contact, or by the unilateral activity of another party or a third person. In Quality Design, the court ruled that Tuff Coat’s website was a passive one, whereby information about its product was provided, but actual sales were arranged via telephone or mail. A Division of Parody Productions. (2016, Sep 17).

Research report Paper Example | Topics and Well Written Essays - 2000 words - 1

Report - Research Paper Example In order to identify the factors that were affecting salesperson loyalty are investigated in this study. The marketing research problem for this study is to determine which intrinsic, and extrinsic factors motivate employees to remain loyal and dedicated to the workplace for a long period. The target population for the research is employees working as salespersons in the different aircraft companies to gain their views about the factors affecting their loyalty. The use of convenience sampling is made to select research participants for the study (Ryan, William, & Theeoblad, 2009). The reason to opt for convenience sampling is because of lack of time and availability to the researcher to reach each of the salesperson working at Boeing. The sample size of 1000 male and female salespersons is selected as research participants. The researcher has selected sale-persons specifically from aircraft companies with different working experience, age, income and educational background. The researcher made use of e-mailed survey questionnaires to gather information from the participants about the factors affecting loyalty to the workplace. The questionnaires were sent to the personal email address of participants (Tuck & McKenzie, 2014). The researcher made use of close-ended questions. The questionnaire was used to gather demographic features of the sample, as well as multiple extrinsic and intrinsic factors influencing employee loyalty to an organization. The responses were gathered using a Likert scale. On the basis of descriptive statistics, it can be noted that the majority of the males were working as a salesperson. There were 52.20% of male and 47.8% of female. When the respondents were asked about their highest level of education the results indicated that 31% were some college graduates, 25.3% were college graduate, 24.3% high school