Eating disorders Annotated Bibliography Example | Topics and Well Written Essays - 750 words

Eating disorders - Annotated Bibliography Example Mainly, people lack awareness of these disorders or they are ashamed of discussing their symptoms with other people (Becker et al 1999, p. 1092). According to the authors, these disorders mainly occur in young women who are in adolescent age. Nevertheless, 40 percent of binge-eating problem appears in young men and boys. The authors insist that the disorders are prevalent in societies that are highly developed in comparison to undeveloped societies. The occurrence is also along socioeconomic classes. According to the authors, the disorders appear to be caused by genetic, psycho-developmental and also social-cultural aspects of a person. They also argue that in some cases eating disorders may cause depression which may result to suicide by the individual. Treatment of eating disorders can be through outpatient management and medical treatment. Although outpatient setting is more adequate in critical cases, inpatient care is more appropriate. Some of the indications of inpatient care include; extreme loss of weight which is rapid. On the other hand, high risk of suicide and acute medical disorders are symptoms of outpatient treatment (Becker et al 1999, p. 1092). The authors insist that medical treatment mainly aim at both preventing and correcting the complications of excess weight and purging. Treatment also occur routinely mainly involving educating the patients on the importance of taking a keen notice on the symptoms and monitoring any body weight change. Educating about how to adjust nutrition and caloric intake is also an important aspect in medical treatment. This treatment involves individual, group and family support for the task to be successful (Becker et al 1999, p. 1095). The authors also propose that psychiatric treatment approaches can play an important part in treating people with eating disorders. Anorexia nervosa is a condition that responds well family therapy. Interpersonal interaction is also

Ethics and Placebo Trials Essay Example for Free

Ethics and Placebo Trials Essay Placebo trials are experimental trials that involve the administration of a substance that does not really have any effect on the individual’s system. This means that it is a neutral trial that will have neither positive nor negative effects on the physiology of the person it is administered on. Whatever positive benefits may be derived out of placebo trials are merely therapeutic and may arise from the potency of the power of suggestion. These trials are most often used in randomized control trials in investigating the effectiveness of a specific treatment. (Miller and Brody, 3) However, with the rise of the use of such trials, there have been many more questions raised. Are these placebo control trials indeed necessary? What ethical issues are raised with the implementation of placebo trials? The debates regarding the ethicality of placebo trials in investigative research continue to rage across the scientific community. The discussion has become so complex that the sides taken regarding the matter have evolved to more than just â€Å"yes† or â€Å"no† to the question of placebo ethicality. There have been numerous aspects of placebo trials that have undergone the scrutiny of those directly involved with fields utilizing these trials. The main aim of this paper is to understand the obligations of medical practitioners who are employing placebo trials in their own scientific investigations of the effectiveness of various treatments. What ethical standards should these individuals, physicians and the like, take into consideration when conducting investigative researches with placebo trials? Glass and Waring The main problem with a physician’s utilization of placebo trials for investigative purposes is the fact that they are part of the profession that involves the assurance of optimal health for their patients. Some of the researchers and critics exploring the ethical holds on medical practitioners with regards to placebo trials have looked at it from a legal standpoint. Glass and Waring (582) indicate that they have foundâ€Å"no legal precedent allowing physicians to ‘opt out’ of their professional obligations because they are researchers in addition to being physicians†. It is emphasized that the physician must do all in his power in order to insure that the client receives all possible modes of treatment that would maintain or enhance his or her health. As a researcher, the physician is viewed as a fiduciary, a person delegated with power that will be used for the benefit of another person and who is held legally against the highest standards of conduct. The physician-researcher as a fiduciary, then, has a moral ascendancy over his or her patient-subject. (Glass and Waring, 578) This means that a placebo trial that would involve having the physician-researcher observe the null effect on the health of a patient-subject and at the same time have knowledge of the betterment of the health status of patient-subjects in the other experimental trials. (Glass and Waring 579) Thus physician’s are now ethically compromised and even legally liable for their utilization and continuation of the placebo trial. Knowing that there is a treatment that could improve the health of those in the placebo arm of the experiment but not applying that treatment on the participants in that arm indicates their sacrifice of the health of those participants for the scientific progress afforded by research data. The ethical responsibility of the physician-reseracher, therefore, is in the fact that clinical studies of treatment effectivity make use of participants who have been diagnosed with the specific medical condition hoped to be treated by the experiment’s procedure. Hawkins Hawkins (484) states that the true problem faced by physician-researchers is a moral one. The moral norms and societal dictates placed upon those in the medical profession involve the fact that they need to be able to give a sick person all the possible chances of being treated. However, Hawkins (484) points out that this moral responsibility is limited. She states clearly â€Å"researchers do not owe effective treatment to everyone around them. † (473) The obligations of a physician to his or her patient are enclosed within a given framework, that of the physician-patient relationship. In order for such a relationship to be established, the physician must come into agreement with the client that he or she will indeed act as one half of that relationship. The same agreement must be made on the part of the client. Although this agreement may not be explicit, it is nevertheless positively acknowledged by both parties. (Hawkins, 476) There is, according to Hawkins, no ethical dilemma in a physician-researcher’s use of placebo trials. Just because these researchers have had medical training and have taken a medical oath does not mean that they are always in the role of a physician. These are individuals that have many other different roles as fathers, mothers, non-practicing physicians, friends and the like. The role they take as a researcher, therefore, does not mean a continuation of their role as a physician. (Hawkins, 479) The obligations of an individual in the role of a researcher is separate from his or her role as a physician thus their obligation in placebo trials involves simple assurance that the participant will not be harmed by the procedure that will take place. Miller and Brody Some critics of placebo control trials state a weakness in therapeutic obligation of physician researchers as the main grounds of contestation of the ethical foundations of the said trials. Miller and Brody (8) state that even when based on the principles of clinical equipoise, an ethical basis of assigning participants in different experimental arms which involves disagreement among experts as to the effectiveness of either arm, therapeutic obligation is still a weak attack against the ethics of placebo trials. The individuals who knowingly participate in experiments with placebo arms are not exploited as long as no harm befalls them. Also, they are aware that they enter the experimental set-up as participants in a research and not as patients of the researchers who happen to also be physicians. (Miller and Brody, 5) Miller and Brody thus state that â€Å"placebo trials are not unethical just because they withhold proven effective treatment†. (6) It is thus seen that the responsibility and obligation of the researcher with regards to the ethicality of placebos is not in their therapeutic obligations as physicians. However, this does not mean that placebo trials are completely ethical. This also does not mean that researchers are devoid of ethical obligations to their participants assigned to placebo arms of the investigative experiments. The ethical obligation of the researcher in placebo trials is the same as that of researcher in any clinical trials. This involves the proper acquisition of informed consent from the participants. Also, researchers must be able to assure the fact that participants will not be exploited or put in harmful situations. Miller and Brody also insist that researchers must first establish that the investigation has scientific merit and that scientific merit is increased with the implementation of the placebo trial. (8) Analysis and Argument All three articles assessed above have merit and, at the same time, also have faults. Glass and Waring (582) stating that no legal precedents were found that indicated physicians were no longer tied to their professional obligations is faulty. In much the same way that a lawyer does not have to give counsel to every jaywalker he or she sees, the physician likewise does not have professional obligation over individual’s whose relationship to him is simply that which exists between researchers and participants. I also disagree with Hawkins’ statement that morality is what binds the physician thus the use of placebo trials is not unethical. What is ethics but a concept in the realm of morality? Yes, there are standards and regulations with regards to ethical conduct. However, as a whole, ethics is based on morality thus a moral problem is, in fact, an ethical problem. The middle ground taken by Miller and Brody also seems to be misled. A placebo trial is not equivalent to other clinical trials. It involves factors that are not present in other trials, such as the exposure of the participants to neutral treatment. In other clinical trials, there is still exposure to some form of treatment thus there is an effort to aid the participant. I believe, however, that physician-researcher’s obligations to the patient-participant, is limited solely to the relationship of researcher and participant. The role taken by the individual is not that of a physician but that of a researcher. The participants are also aware that they enter into the experiment not as patients but as participants. Although they are not given the chance to undergo possibly effective treatment, it is not the moral obligation of the researcher to insure that they do. Even if, for example, a person persists to smoke, I am not morally or ethically obligated to make sure that he or she stop. Placebo trials are valid research designs and should not be stopped simply because of a feeling that it is unfair to those who, in the first place, willingly submitted themselves to the experiment’s conditions. Works Cited Glass, Kathleen G. , and Waring, Duff. â€Å"The Physician/Investigator’s Obligation to Patients Participating in Research: The Case of Placebo Controlled Trials. † The Journal of Law, Medicine Ethics 33 (2005): 575-585 Hawkins, Jennifer S. â€Å"Justice and Placebo Controls. † Social Theory and Practice 32 (2006): 467- 496. Miller, Franklin G. , and Brody, Howard. â€Å"What Makes Placebo-controlled Trials Unethical? † The American Journal of Bioethics 2(2002): 3-9

Concepts in Communication

Concepts in Communication Application Assignment Section One: The Artifact My artifact of choice, which Im going to be utilizing to connect course terminology with external content herein, is the book Doctor Sleep, by Stephen King. The novel serves as a sequel to the classic horror story The Shining, and is set some thirty years in the future. At the outset of the plot, our primary protagonist, Dan Torrance, has hit rock bottom with his alcoholism (a hereditary reenactment of his own fathers sins) and moves to a quaint New English village following a conflict of morality he has inside of a womans apartment one morning. Here, he obtains seasonal work, joins a chapter of Alcoholics Anonymous, and later, establishes a permanent position at a local hospice. With the aid of his telepathic ability known as the shining, and a community cat with an ESP-like awareness, Dan becomes notoriously known as Doctor Sleep amongst the residents for his uncanny ability to comfort the dying, and provide them with some foresight into the journey beyond life. During this time, a young girl named Abra with a similar talent to Dans (though far more powerful) begins to reach out to him via telepathically encoding messages on a chalkboard inside of his private quarters at the hospice. Simultaneously, revelations are beginning to occur; correlating Abras unusual ability to a series of unexplainable events happening around her parents home. Suddenly, the oddities cease, and for many years, tranquil bliss ensues. Then, one day, Abra abruptly uses her talent in an attempt to enlist Dans assistance after witnessing a vision of a young boy being murdered by an organization known as the True Knot. The True Knot is essentially a semi-immortal band of RV travelers who have endured throughout the centuries by feeding on the essence of steam, which they siphon from the bodies of murdered children possessing the shining. Led by the diabolical Rose the Hat, the True Knot become aware of Abras existence and power by administering a reverse procedure. After becoming sick fro m a disease transmitted through the dead boy, the True Knot become adamant on capturing and killing Abra, and channeling her power as a means to sustain their continued survival. Following an in person discussion with the girl, Dan agrees to help, and confronts Abras father and family practitioner; who are then forced to come to terms with the nature of her talent. The men form a plot to ambush Roses henchmen, who are currently en-route to kidnap Abra. Upon successfully thwarting the agenda of the True Knot, it becomes apparent to the protagonists that Rose will relentlessly exhaust all available resources to avenge her fallen comrades and murder Abra. With a heightened sense of urgency, Dan formulates another plan, and makes a final pilgrimage to Colorado (ironically the exact location of the decimated Overlook Hotel from his childhood) with a scheme to put an end to the remains of the True Knot once and for all. At the conclusion of the story, Dan advantageously uses the mental co nnection between himself and Abra to defeat Rose and her remaining cohorts in a psychic battle; drawing upon the combined power of deceased ghosts and the girl, in conjunction with his own. Furthermore, Dan is ultimately able to silence the demons of his past, and establish an ongoing relationship with Abras family, whom he discovers is related by blood during the third act of the story. Section Two: Concepts in Communication Culture Gender In the second chapter of Kory Floyds textbook Interpersonal Communication: Third Edition, were presented with the ideal of in-groups and out-groups the ability to personally identify with others in contrast to those who we find dissimilar (35). Dissecting the concept further, it becomes evident that a portion of each individual culture (group) relies on the use of communication codes, which deepen their level of diversification from other groups by utilizing unique phrases and gestures to establish meaning. Jargon, which is a language used by members of a particular group that may appear nonsensical to those outside of it, (48) is one such format of said phrases. Communication and the Self Meandering onward through Floyd, we come across discussions regarding self-concept -ÂÂ   the set of stable ideas about who you are that compose your identity, (71) and specifically, the Johari Window; a model of scaling which aspects of your personality youre aware of versus which aspects remain a mystery to either yourself or others (72). Additionally, there are many factors that affect self-concept over time, and how we believe were being perceived by those around us dictates our sense of reflected appraisal. The notion is that we basically mirror the messages cast onto us when analyzing our value and self-worth as humans. Intrinsic processing aside, we also have tendencies to project our desired image onto others to create a sort of managed impression. This is commonly done to instill competence, flattery, and many other elements in an interaction. Interpersonal Perception In the midst of the fourth chapter in our class textbook, an illustration is given to the term egocentricity, by comparing the inability to take another persons perspective to the ignorance of toddler behavior patterns (120). Arguably of more prominence, however, is acknowledging the fact that some people consciously partake in this mindset in attempts to avoid uncertainty and, perhaps, even justify questionable actions. As an intelligent species, we humans constantly strive to make sense of whats going on around us. Unfortunately, making these inferences often results in logical fallacies in our interpretations. One potential way these errors are exposed is through overly attributing, or targeting a specific characteristic of a person in order to explain an array of observed mannerisms (129). Concerning Language A vast topic in itself, language is used every day for many purposes. From the persuasive aspect, the strategy of activating the listeners emotions by inducing pathos is a popular appeal to alter the manner in which they would typically respond to a given argument (152). On the other hand, words can also be used as weapons, and demoralize the recipient by means of contextual vulgar and obscenities (163): collectively referred to as profanity. The Nonverbal Category Floyd highlights ten separate channels in which our senses contribute to our ability to communicate without speaking. Chief among these is kinesics and proxemics the study of movement and personal boundaries, respectively (192,199). In society, its fairly commonplace to witness displays of affection (such as hugging) between individuals to convey emotion. Likewise, a personal bubble is a method of describing proximity preferences, derived from the politically correct latter term, and used frequently throughout Western countries to gauge the space and comfort relationship of an interaction. On the topic of sensory language; customary, or ritualistic touches, also come into play when conducting an activity tied to a traditional or repetitious nature (197). Section Three: Connecting My Chosen Concepts to My Artifact In Doctor Sleep, the True Knot exemplifies an in-group cultural bias consistently. They do this by coining the term rubes when referring to the majority of mankind who dont share their exotic traits and collectivistic religion. These references are generally accompanied by disdainful remarks, making my claim even more apparent. The cult also places a heavy emphasis on the use of jargon while performing their ritualistic ceremonies of sacrifice and conversion throughout the novel. We witness this in passages where ancient snippets of dialogue are recited, such as sabbatha hanti, lodsam hanti, and cahanna risone hanti. Great examples of self-concept are recurrently depicted in the character of Dan Torrance. Early on, he confides in a mentor of the AA program, voicing his thoughts of self-loathing and helplessness, while enveloping the Johari Window by refraining from disclosing information about the shining, for fear of instigating a bizarre reaction. He makes a solid effort to vindica te his past transgression by selling himself in a job interview, and project an image. Meanwhile, Abra carries the weight of reflected appraisal by attempting to suppress her powers for the benefit of her parents peace of mind. In the skirmish with the True Knot, Dans followers demonstrate egocentricity while speaking with a wounded woman named Andi; incredulous to how anyone could kill children, despite the necessity it imposes for the continued survival of the cult members. As Abra communicates with Dan secretly, here parents continuously over attribute her obscurity to being a female teenager. As the book begins to spiral toward the finale, Rose convinces one of her assistants to assume the role of an assassin, and hide in a storage shed overlooking the battlefield as a fail-safe method to assure victory. She accomplishes this by appealing to the womans pathos, and taking advantage of her grief stricken state following the death of a loved one. Profanity increases as the story re aches its climax, predominantly when the True Knot adopts the name bitch-girl when referencing to Abra, and all the frustration shes caused them. Finally, it should come as no surprise that a novel inspired by telepathy is rich with nonverbal communication. Numerous examples are found during the chalkboard writing scenes, where Abra signs off her messages with smiley faced emoticons, as well as turn-taking styles of shooting telepathic pictures back and forth between herself and Dan. Theres a chapter that influences the importance of proxemics when Abra and Dan meet outside of a public library for the first time. Not wanting to come off predatorily to bystanders, a certain level of caution is executed by Dan due to the age and gender differences of the characters. Doctor Sleep has a plethora of ritualistic touches. The True Knot grew stronger when they were united, so carrying out many of their duties while holding hands was customary. Abra also personified this term on several occa sions when she was required to hold objects in order to obtain clues to transpired events using her abilities. Works Cited Floyd, Kory. Interpersonal Communication 3rd ed. New York, NY: McGraw-Hill Education, 2016. Print. King, Stephen. Doctor Sleep. New York: Pocket, 2013. Print.

Essay --

Gerard Manley Hopkins, born in 1844 and who is an optimist, is also one of the greatest poets of the Victorian Era (Academy of American Poets). There's also William Wordsworth born in 1770 is another optimist and another great poet, but of the Romantic Era (Harriet Monroe). Both of these poets from two separate time periods have the same idea of society and the human population in general. Materialism is a trait that can torment both the rich and the poor and is described as both culturally destructive and very much self destructive (George Monbiot). In both poem of â€Å"God's Grandeur† by Gerard Manley Hopkins and â€Å"The World is too Much with Us† by William Wordsworth, both of these poems have similar ideas of expressing their opinions of the advancement of technology and the growth of complexed architecture. In Hopkins' piece of work, he puts together a lyrical poem that's filled with alliteration in order to make his phrases more memorable and melodious (Skylar H. Burris). An example may be â€Å"It will flame out, like shining from shook foil† (Hopkins line 2). The diction of the words â€Å"flame,† â€Å"shining,† and â€Å"shook foil† creates the imagery of warmth and liveliness. On the other hand, â€Å"grandeur† is a word used to describe magnificent and impressive (Brian Wasko), but in Hopkins' poem, he describes the â€Å"grandeur† as wearing out or is becoming thin. Hopkins message to his readers is that by people rejecting the power of God, people are also attracting negative situations into their lives. ... ...stent when it comes to the topic of God. In other words, Hopkins tends to shove religion down people's throats while Wordsworth only mentions God once in line 9, while the rest is about the departure of human and nature. In conclusion, Hopkins and Wordsworth both consider that people are beginning to get too caught up in material matters to admire nature because without nature, people wouldn't have any of the objects they would have. As a matter of fact, their would be no life, but only darkness just as Hopkins described. Hopkins and Wordsworth would both agree on the matter that humanity was and is loosing touch with nature. If they were both upset with how their society was back in their time, then they would have been terror-stricken.

The European Energy Market

European Energy Market Q1) 1. Economic benefits would be that the consumers would have freedom to choose their energy providers and probably could lower the costs. The variety of producers will improve the quality of their service. Energy providers can improve efficiency through competition which will also reduce prices. Larger utilities should be another result, which will allow them to compete more effectively. 2.I believe both the consumers and businesses would gain from liberalization: Customers should have more choices of energy providers which would increase the likelihood they would have to pay less for their energy and the energy companies could also buy energy from the cheapest source. Q2 Implications: Will replace the markets of its 27 member states with a single market for electricity and gas for the entire continent. It permits the biggest energy groups to acquire other smaller energy firms in the continent. Hill 2012) Changes in environment after liberalization: There ar e a lot of acquisitions and mergers in the energy markets. Fights between governments protecting their firms and the biggest groups which want to acquire them are a probability. Bigger firms will try to acquire firms in local country. Actions: Government would have to impose conditions to stop foreign companies from acquiring local companies, with the local authorities trying to protect the advantages of the local companies. Q3)Why is the de-integration of large energy companies seen as such an important part of any attempt to liberalize the EU energy market? The biggest energy groups are national and they have monopoly. The de-integration of the biggest companies will encourage the smallest companies to be more active and promotes fairness in the market and makes energy firms more equal. It would also permit the introduction of new providers on the energy market. So, competition between them would increase the†¦

Pyramid Door Formal Case Final Draft Essay

As a privately owned regional manufacturer of residential and commercial steel garage doors, Pyramid Doors has managed to grow a distribution network in the Western and Southwestern United States of 350 distributors broken up into 300 non-exclusive dealers and 50 exclusive dealers. This strategy has allowed Pyramid Door to capture a market share of 2.6% with total sales in 2005 of $9.2 million. While executives agree that a growth in sales of 36% to $12.5 million is necessary to achieve critical mass to preserve its buying position with suppliers, opinions are split on the correct method to achieve this goal. An increase in the marketing budget of 20% over 2005’s budget has already been approved, but four alternative scenarios about how to handle the distributor base have been brought up by various executives. While some executives favored dramatically increasing the overall number of dealers, others suggested the opposite, cutting the overall number of non-exclusive, poorer performing dealers. Still other executives suggested a more targeted approach, leaning on more exclusive dealers at the expense of fewer non-exclusive dealers, while a final group suggested maintaining the status quo of dealers and letting the new marketing strategy carry them to the required number of sales. To determine the best strategy moving forward, we have put together a proposal outlining the pros and cons of each strategy, backed up with qualitative and quantitative data to back up our conclusions. Alternative 1: Increase number of independent dealers in markets currently served by the company by 100 Pros: Increases effective market coverage allowing customers to find Pyramid Doors at more dealers. Diversifies the distribution network so that the company is less dependent on exclusive dealers. Sets Pyramid Door up for future distribution expansion. Will significantly increase sales. Allow for market specific advertising to benefit more locations Cons: Adding 100 distributors will be very difficult in one year, given it has taken 10 years to add the most recent 50 distributors. Has the potential to cause channel conflict with current distributors by increasing the number of dealers they have to directly compete with within their markets. Distinct possibility of product cannibalization by saturating the market. Even with the increase in Net Sales, this plan would require an increase in Sales Representatives, decreasing our profit margin. Increased transportation costs to distribute to more low-volume locations.

Tips to Searching the Google News Archive

Tips to Searching the Google News Archive Google News Archive offers a wealth of digitized historic newspapers online - many of them for free. The Google newspaper archive project was discontinued by Google many years ago but, although they stopped digitizing and adding new papers and removed their useful timeline and other search tools, the historical newspapers that were previously digitized remain. The downside of this is that,  due to poor digital scanning and OCR (optical character recognition), a simple search of the Google newspaper archive rarely pulls up anything but major headlines.  In addition, Google News has continued to deprecate their newspaper archive service, making it extremely difficult to search  for content prior to 1970, although they have hundreds of digitized newspaper titles  prior to this date.   You can improve your chances of finding great info in Google News Archive with a few simple search strategies. Use Google Web Search Searching within Google News (even the advanced search) no longer returns results older than 30 days, so be sure to use web search when searching for older articles. Google Web Search doesn’t support custom date ranges earlier than 1970 or content behind a paywall - but that doesnt mean you wont find content prior to 1970 by searching, you just cant restrict your searches to only that content. Check Availability First A full list of the digitized historical newspaper content is available online at the  Google News Archive. It generally pays to start here to see if your area and time period has coverage, although if youre looking for something interesting or potentially newsworthy (a railroad accident, for example) you may find it also reported in papers from outside the area. Restrict Sources While it is most common to search for individuals in a specific location, Google no longer offers the option to restrict your search to a particular newspaper title. Each newspaper does have a specific newspaper ID (found after nid in the URL when you select the title from the newspaper list), but the site search restriction does not consider this. Instead, try using a newspaper title in quotes, or  use just a single word from the title of the paper to restrict your search; thus a source restriction for Pittsburgh will turn up results from both the Pittsburgh Press and the Pittsburgh Post-Gazette. Date Restrict To search content older than 30 days, use the Google  advanced web search page  to restrict your search by date or date range. You can bypass the restriction on dates older than 1970 by using Googles site search feature on the news archive alone. This isnt precise, as it will include any mention of that date or year and not just papers published on the date youve selected, but it is better than nothing.   Example:  site:news.google.com/newspapers pittsburg 1898 Use Generic Terms Browse through several issues of your newspaper of interest to become familiar with the general layout of the paper and the terms used most often in your sections of interest. For example, if youre looking for an obituary, did they commonly use the term obituaries, or deaths or death notices, etc. to head that section? Sometimes section headers were too fancy to be recognized by the OCR process, so also look for words frequently found in the general text then use that search term to look for content. Consider whether your term is appropriate for the time period as well. If youre searching contemporary newspapers for information on World War One you will need to use search terms such as great war, because it wasnt called World War One until after the commencement of World War Two. Browse This Paper For best results when searching digitized historical newspaper content in Google, there really is no way around using the browse feature rather than search. All things considered, its still better than having to go down to the library to look at microfilm. Begin with the newspaper list to browse directly to a specific newspaper title in the Google News Archive. Once you select a title of interest, you can easily navigate to a specific date using the arrows or, even faster, by entering the date in the date box (this can be a year, month and year, or a specific date). When youre in the newspaper view, you can get back to the browse page by selecting the Browse this newspaper link above the digitized newspaper image. Locating a Missing Issue If Google appears to have newspapers from your month of interest but is missing a few particular issues here or there, then take time to view all pages of the available issues both before and after your target date. There are many examples of Google running together several newspaper issues and then listing them only under the date of the first or last issue, so you can be browsing an issue for Monday, but end up in the middle of the Wednesday edition by the time you browse all of the available pages. Downloading, Saving, and Printing Google News Archive does not currently offer a direct way to download, save, or print newspaper images. If you want to clip an obituary or other small notice for your personal files, the easiest way to do this is to take a screenshot. Enlarge your browser window with the relevant page/article from Google News Archive so that it fills your entire computer screen.Use the enlarge button in Google News Archive to enlarge the article you want to clip to an easy to read size that fits entirely within your browser window.Hit the Print Screen or Prnt Scrn button on your computer keyboard to capture a screenshot.Open your favorite photo editing software and look for the option to open or paste a file from your computers clipboard. This will open the screenshot taken of your computer browser window.Use the Crop tool to crop the article in which youre interested and then save it as a new file (try including the newspaper title and date in the file name).If youre running Windows Vista, 7 or 8, make it easier on yourself and use the Snipping Tool instead. If you cant find historical newspapers in Google Newspaper Archive for your area and time period of interest, then Chronicling America is another source for free, digitized historical newspapers from the United States. Several subscription websites and other resources also offer access to online historical newspapers.

Free Essays on Lyme Disease

Erythema migrans (EM) is a red, slowly expanding rash which is associated with the bite of ticks. European physicians observed EM in patients in the early 20th century and theorized that it was caused by a tick-borne bacterium. Later the in the 1970’s a physican observed a clusters of children with arthritis in and around Lyme, Conneticut. After further investigation it was discovered that the arthritis occurred after the presence of tick bites followed by EM rash lesions. It was not until 1984 when conclusive evidence showed that the bacterium spirochete Berrelia burgdorferi caused Lyme disease. In 2002 Lyme disease caused more than 23, 000 infections in the United States (1). Lyme disease is a zoonotic disease caused by the bacterium spirochete B. burgdorferi that transmitts the bacterium to humans through the bites of western black-legged deer ticks (Ixodes scapularis). This tick is much smaller than a dog or cattle tick and feed by inserting their mouths into the skin of a host and slowly take their blood (1). Early localized Lyme disease occurs 3-30 days after the tick bites. Symptoms include EM, mild muslce aches, fever, headache, and lymphadenopathy. Early disseminated disease occurs 1-4 months after the tick bite. Symptoms include cranial-nerve facial palsy, meningitis, radiculopathy, and heart block. In the late stage of the disease which begins 3-4 months after the tick bite. Symptoms include arthirits in large joints, severe headache, encephalitis and cognitive disorders. Early localized Lyme disease is treated with doxycycline or amoxicillin for 14-21 days. Early disseminated and late Lyme disease are treated for 14-28 days with eithe r oral or parental therapy (ceftriaxone) (2). In 2002 there were 23,763 cases of Lyme disease. These occurences are concentrated primarily to states in the nothestern, mid-Atlantic and upper northcentral regions of the United States. There are also several counties in n... Free Essays on Lyme Disease Free Essays on Lyme Disease Erythema migrans (EM) is a red, slowly expanding rash which is associated with the bite of ticks. European physicians observed EM in patients in the early 20th century and theorized that it was caused by a tick-borne bacterium. Later the in the 1970’s a physican observed a clusters of children with arthritis in and around Lyme, Conneticut. After further investigation it was discovered that the arthritis occurred after the presence of tick bites followed by EM rash lesions. It was not until 1984 when conclusive evidence showed that the bacterium spirochete Berrelia burgdorferi caused Lyme disease. In 2002 Lyme disease caused more than 23, 000 infections in the United States (1). Lyme disease is a zoonotic disease caused by the bacterium spirochete B. burgdorferi that transmitts the bacterium to humans through the bites of western black-legged deer ticks (Ixodes scapularis). This tick is much smaller than a dog or cattle tick and feed by inserting their mouths into the skin of a host and slowly take their blood (1). Early localized Lyme disease occurs 3-30 days after the tick bites. Symptoms include EM, mild muslce aches, fever, headache, and lymphadenopathy. Early disseminated disease occurs 1-4 months after the tick bite. Symptoms include cranial-nerve facial palsy, meningitis, radiculopathy, and heart block. In the late stage of the disease which begins 3-4 months after the tick bite. Symptoms include arthirits in large joints, severe headache, encephalitis and cognitive disorders. Early localized Lyme disease is treated with doxycycline or amoxicillin for 14-21 days. Early disseminated and late Lyme disease are treated for 14-28 days with eithe r oral or parental therapy (ceftriaxone) (2). In 2002 there were 23,763 cases of Lyme disease. These occurences are concentrated primarily to states in the nothestern, mid-Atlantic and upper northcentral regions of the United States. There are also several counties in n...

Articles Article Example | Topics and Well Written Essays - 500 words

Articles - Article Example Similarly, consider a farmer giving maize to a consumer in exchange for money. Definitely, the two parties are made better off in the second case, but the farmer is made worse off in the first case. So it is just better to have a free market. After reading the article, I thought that greed may be important as suggested by Williams, but it may also be used in a negative way. It is not that I oppose the argument of Williams; it is only that I do not fully agree with him. It is indeed true that most economically beneficial activities are performed as a means of pursuing one’s own interests. However, doing something with the interest of others in mind could lead to honesty and quality of service. For example, if Texas ranchers hated New Yorkers, they would decide to deceive them in terms of weighing scales. This would be unethical and socially irresponsible, and it would cause a decline in overall welfare of New Yorkers and ranchers of Texas. As much as I also think that the author was clever in the manner in which he used the example of ranchers and potato farmers, I also believe that he left out an important aspect of sustainable development – business ethics and social responsibility. Caring about one’s interests alone is unethical and has negative repercussions in the economy. I think this article explains capitalism and the free market in such a way that a common man can realize the importance of free market. I have learned that capitalism has given the common man an opportunity to enjoy the benefits of the free market just like the rich people. I think equal distribution of resources can be achieved if the free market works effectively. I think this post has demonstrated a good observation of the author. Nowadays the common man can enjoy some luxuries that were not enjoyed back in the yesteryears. Indeed, it is interesting; and I think it is all because of the great opportunities that the free market and capitalism have

CJUS 350 DB7 Essay Example | Topics and Well Written Essays - 250 words

CJUS 350 DB7 - Essay Example While carrying out the search, it is important that one carries himself as if he is being watched. While being watched is not the subject of interest, the police officer must ensure that he conducts himself in accordance with the law, to the latter. This may also refer to the scope of the search, just as is evidenced by the case law Harris v. United States and Trupiano v. United States. According to Qureshi (2012), this above is because, failure to stick to the right behavior may lead to the inadmissibility of the evidence that was thus seized and subsequently adduced before the court of law. This makes setting limits related to tolerable behavior a necessity. If based on interrogation of the suspect, I believe that he is aware of the girl’s whereabouts, I will integrate investigative with negotiation skills to get him to reveal the location of the abducted child. To this end, I will remind the suspect of the severity of the act he may have engaged in, and the lenience that he will be accorded, if he reveals the child’s location. This involves, pursuing all the circumstantial evidence that point to the suspect and discretionally telling the suspect about some of these circumstantial evidence. The suspect is then made aware of the lenience that will be accorded him, if he reveals the child’s location in his own

21st Century Technology in Today's Classroom Essay - 1

21st Century Technology in Today's Classroom - Essay Example context, which includes â€Å"the institutional objectives of the e-learning program, the role and skills of any instructor, longevity of the resources, and cultural sensitivities†; and influence, which means how the e-learning design will influence the learner, the learning community, and the environment in which the learning is taking place (Brown & Voltz, 2005, pp. 4-7). Article 2 Abstract: Teacher’s conception of e-learning and e-teaching is also crucial. Teacher’s like e-learning because it excites their students, and provides a way for lectures to become more interesting. Moreover, students have a way of exploring their tacit knowledge, and learn more about co-operative learning and how to behave in social situations. Teachers also like e-learning because it gives them a way to give students extra information, outside the lecture and it also gives the teacher a way to give information to the masses. On the other hand, for some cultures, self-study is difficult. For instance, for a Chinese student, who still expects the teacher to provide information through the lectures, self-study through e-learning is difficult. Therefore, there needs to be ways to overcome these challenges (McConnell & Zhao, 2006). Article 3 Abstract: This article talks about cultural differences, which could prove a challenge to the e-learning community. Different cultures share knowledge in different ways. Some cultures are individualistic, which means that these cultures put personal goals in front of group goals; collectivistic cultures are the opposite. The individualistic cultures see information independent of context, while the collectivistic cultures need contextual cues and disregard information in writing. Anther difference in culture includes in-group and out-group orientation. Cultures which are out-group orientated do not have a problem sharing information outside their group; in-group orientated cultures do. Some cultures have a strong fear of losing

You must submit an essay describing an ethical dilemma you have faced

You must submit an describing an ethical dilemma you have faced and how you resolved it - Essay Example In the early period of my career, I worked in one of the accounting firms. Being new in the profession, I worked as a subordinate employee, though with significant roles in the firm. However, my ethical dilemma arose when one of the senior managers in our department asked to me deliberately make a false recording. I was to alter the dates of some important transactions in the organization. Immediately the senior manager stated the request, I declined initially. The argument of my senior manager was that if I altered the dates, this would be of great benefit to the firm. The profits of the firm would increase, as the transaction will be identified under a different calendar year, and that would be beneficial to the company. I was responsible recording transactions in different financial years. For this reason, the senior manager had no other person to approach except me. In order to get me to accept this idea and perform as per his wish, the senior manager promised to give me a bonus. He also promised that upon acting on his demands, I would be considered for recognition in future performance review in the firm. Nonetheless, like any other employee that wishes to succeed in their career, I did not make a decision immediately after the senior manager had mentioned all the privileges that I would be entitled to. This incident thus is an ethical dilemma, since as a subordinate employee, questions of â€Å"should I† or should I not† lingered on my mind. I knew altering the records was ethically wrong. However, thinking of the benefits that I would be entitled to made me to hesitate on making a decision. Since I am a supporter of ethics in organizations, I decided to take considerable time, and ensure that I came up with the right decision that would not exhibit any selfishness in me, anger the senior manager, or which would not result in a tainted image for me as an individual employee, and for the organization. This was

Hyperopia (eye defect) Essay Example | Topics and Well Written Essays - 1000 words

Hyperopia (eye defect) - Essay Example For example, in mild cases of this disorder eyes may focus without corrective lenses. In some other forms of hyperopia, eyeglasses or contact lenses can be prescribed. As a rule, new born children have some problems of hyoperopia (Tsubota, Boxer Wacher, Azar, and Koch, 2003). This can be explained by an abnormal in eyeball length. This disorder is characterized by inability of the retina to reflect light primary to changing into a focused image, which can lead to difficulty seeing of close objects (Eye Health: Presbyopia and Your Eyes, October, 2005). Different mistakes of vision can be explained in terms of hyperopia, for example a person can have from none to clear distance vision or blurry near vision (Edmiston). The brains of a child with hyperopia cannot identify sharp lines. Parents of these children cannot understand that the child has some problems at an early age. A child with hyperopia can have problems when focusing one's attention on a particular object. There is a lackin g of a child's ability identify images. Some serious cases of hyperopia prevent brains from merging the images identified by individual eyes. This can be explained by blurred images received from brains. ... This type of drops relaxes the accommodation. The patient's visual status can be determined with the help of hand-held instrument called a retinoscope. It is possible to measure a refractive error in units called diopters (D) (Chou, 2006.) This disease is also known as farsightedness, when a person can see distant objects clearly, but close objects as blurred ones. Individuals suffering hyperopia can experience it in a different manner. Hyperopia is more characterized as eye disorder, but not as a disease. On the basis of recent researches and studies it is possible to find out different characteristics of this eye disorder. For example, the scientists have claimed that age of people and their gender influences development of this disorder. Female gender patients are more subjected to hyperopia. Other scientists claim that males are more subjected to this eye disorder. Actually, it is relevant to refer to the reliability of data and statistics used to rely on the results of the studi es. In accordance with findings of 2010: â€Å"farsightedness commonly affects people during middle age - during their 40s or 50s, but it may also be present from birth. The majority of children who are born with some degree of hyperopia tend to get better as they get older and their eyes develop† (Nordqvist, 2010). The National Health Service (NHS), UK, underlines that 13.2% of British people suffer this disorder, though they are 20-25 years aged. If to consider hyperopia from a physiological point of view, it is possible to see that there are the following features, which are appropriate for people suffering from it. The cornea is a front part of an eye that transmits the light and focuses it in the eye. The lens is so-called transparent structures in the

World of Work Silver - Organisational Awareness Coursework - 1

World of Work Silver - Organisational Awareness - Coursework Example Jaguar is exported to more than 60 countries around the world. In mid-2008 India’s Tata Motors acquired JLR for  £1.15 billion in what is seen as a move to expand its production line and cut down on costs (Grant, 2010). JLR conducts its sales to customers mainly through franchised distributors and importers. However, since 2008 activities, the demand for Land Rover cars and sales immediately declined by almost one-quarter. In 2009, for instance, 144,133 car sales were registered. Jaguar also recorded a slump in sales by almost 20 per cent to about 52,500 in 2010 (Grant, 2010). Regardless, Jaguar is an effective innovation-driven organization in its internal processes, judging by the unique car designs created through innovation and seamless R&D processes. In order to improve the quality of its products, JLR has reduced its product lines to two instead of the initial six (Raynal, 2012). This implies that JLR is keen on differentiation of a lean product line, which is achievable through technological and product line modernisation. The company spends heavily on R&D so as to come up with products which not only meet but exceed current and future customer expectations. But compared to other market rivals, JLR carefully balances its innovation with the primary risk in the current business environment – cost overruns in the unpredictable market forces. Nonetheless, Jaguar’s supply chain management is still poor, judging by the low presence of the products in the developing economies compared to its market rivals such as Mercedes Benz or General Mo tors (Harris, 2013). Owing to the fitness of the Land Rover brand for different purposes, the brand is apparently performing better than the Jaguar brand (Gomes et al, 2007). After the recent acquisition, the company has shifted major head office decisions to India in an attempt to strengthen its market presence across the two products. In India, the company seeks to

You must submit an essay describing an ethical dilemma you have faced

You must submit an describing an ethical dilemma you have faced and how you resolved it - Essay Example In the early period of my career, I worked in one of the accounting firms. Being new in the profession, I worked as a subordinate employee, though with significant roles in the firm. However, my ethical dilemma arose when one of the senior managers in our department asked to me deliberately make a false recording. I was to alter the dates of some important transactions in the organization. Immediately the senior manager stated the request, I declined initially. The argument of my senior manager was that if I altered the dates, this would be of great benefit to the firm. The profits of the firm would increase, as the transaction will be identified under a different calendar year, and that would be beneficial to the company. I was responsible recording transactions in different financial years. For this reason, the senior manager had no other person to approach except me. In order to get me to accept this idea and perform as per his wish, the senior manager promised to give me a bonus. He also promised that upon acting on his demands, I would be considered for recognition in future performance review in the firm. Nonetheless, like any other employee that wishes to succeed in their career, I did not make a decision immediately after the senior manager had mentioned all the privileges that I would be entitled to. This incident thus is an ethical dilemma, since as a subordinate employee, questions of â€Å"should I† or should I not† lingered on my mind. I knew altering the records was ethically wrong. However, thinking of the benefits that I would be entitled to made me to hesitate on making a decision. Since I am a supporter of ethics in organizations, I decided to take considerable time, and ensure that I came up with the right decision that would not exhibit any selfishness in me, anger the senior manager, or which would not result in a tainted image for me as an individual employee, and for the organization. This was

World of Work Silver - Organisational Awareness Coursework - 1

World of Work Silver - Organisational Awareness - Coursework Example Jaguar is exported to more than 60 countries around the world. In mid-2008 India’s Tata Motors acquired JLR for  £1.15 billion in what is seen as a move to expand its production line and cut down on costs (Grant, 2010). JLR conducts its sales to customers mainly through franchised distributors and importers. However, since 2008 activities, the demand for Land Rover cars and sales immediately declined by almost one-quarter. In 2009, for instance, 144,133 car sales were registered. Jaguar also recorded a slump in sales by almost 20 per cent to about 52,500 in 2010 (Grant, 2010). Regardless, Jaguar is an effective innovation-driven organization in its internal processes, judging by the unique car designs created through innovation and seamless R&D processes. In order to improve the quality of its products, JLR has reduced its product lines to two instead of the initial six (Raynal, 2012). This implies that JLR is keen on differentiation of a lean product line, which is achievable through technological and product line modernisation. The company spends heavily on R&D so as to come up with products which not only meet but exceed current and future customer expectations. But compared to other market rivals, JLR carefully balances its innovation with the primary risk in the current business environment – cost overruns in the unpredictable market forces. Nonetheless, Jaguar’s supply chain management is still poor, judging by the low presence of the products in the developing economies compared to its market rivals such as Mercedes Benz or General Mo tors (Harris, 2013). Owing to the fitness of the Land Rover brand for different purposes, the brand is apparently performing better than the Jaguar brand (Gomes et al, 2007). After the recent acquisition, the company has shifted major head office decisions to India in an attempt to strengthen its market presence across the two products. In India, the company seeks to

Honeywell International Success Essay Example for Free

Honeywell International Success Essay This paper introduces the reader to Honeywell International Inc. Honeywell is a world leader in the application of lean manufacturing and its Six Sigma Plus processes. With the use of carefully monitored cost standards, net present value in investment decisions, and the transparency of the company’s financial statements are all methods that Honeywell has successfully implemented and utilized to reach and maintain their status as a world-wide competitor. The company has continued its growth, despite the market downturn that began in 2007, and continues to prove its resilience and pioneering spirit by continually improving their product lines, globally expanding their market, and, monitoring and maintaining financial stability. Its forward thinking and willingness to take risk will provide Honeywell the capacity to maintain its role as a major competitor and contributor to the growth and recovery of our economy. Table of Contents Page Abstract2 Company Overview4 Six Sigma and Lean Manufacturing8 The Use of Standard Costs11 The Use of Net Present Value14 Summary15 References18 Honeywell International Inc. is an American based advanced-technology company that manufactures aerospace and automotive products; residential, commercial, and industrial control systems; specialty chemicals and plastics; and engineered materials. Its assent into history can be traced back to 1885, spanning 125 years of history. Honeywell International is a $38 billion diversified technology and manufacturing leader, with 132,000 employees in over 100 countries and it a Fortune 75 Company. It is a diverse and global-wide organization and is a leading supplier of avionics and electronics, consumable hardware, engine controls, environmental controls, landing systems, power systems, propulsion engines, aerospace services and space products, and systems for the aerospace industry, as well as Original Equipment Manufacturers (OEMs) of commercial, regional, business and military aircraft and spacecraft. Today, its main competitors in the aerospace defense product and service industry are BorgWarner Inc. , Johnson Controls Inc. and United Technologies Corp. State-of-the-art technology, world known brands and global solutions have placed Honeywell in the unique position as one of the premier worldwide suppliers in the aerospace industry, offering solutions of systems, products and services to the largest aerospace and airline companies in the industry. Throughout their 125 years in business, Honeywell has helped revolutionize the aerospace industry with its dedication to research and development and its enthusiasm to advance technology in their various markets. Honeywells reliable and efficient aerospace services and support programs deliver the right level of engineering expertise, maintenance services and asset availability solutions to simplify operations while keeping systems and equipment at peak operational performance. It has proven to be successful in its quest for growth and global expansion from the time of inception. Their quest to acquire and expand began in 1927; the original company, Minneapolis Heat Regulator Company, and Honeywell Heating Specialty Co. merged to form the Minneapolis-Honeywell Regulator Co. From the merger, the name Honeywell was adopted and has remained the same since. In the course of its acquisitions, Honeywell purchased other businesses whose focus was in the controls area; among those acquisitions, was Brown Instrument Co. who was a wide-reaching leader in the field of industrial controls and indicators. This acquisition further increased their already successful market to a wider range of customers, as Minneapolis-Honeywell Regulator Co. had already established an overseas trading agreement with Japanese distributors such as Yamatake Trading Company. It was no surprise that, in 1934, Honeywell pursued and eventually acquired Time-O-Stat Controls Corporation. With the acquisition of Time-O-Stat, Honeywell further expanded its global presence, establishing offices in Toronto, Canada and The Netherlands; a few years later, they had offices in London and Stockholm. By 1941, Honeywell had expanded into markets in Chile, Panama, Trinidad, New Zealand, Argentina, and South Africa. By 1972, it operated 25 wholly-owned subsidiaries, 142 branch offices, and joint ventures in five countries outside the U. S. True to its reputation as a risk taker, Honeywell ventured into the computer industry. This venture was brief and by 1991 Honeywell was on longer in the computer business. Even though the venture was short lived, it proved to be of great value; Honeywell used the knowledge gained from their digital computer experience and applied it to the traditional field of automation control, integrating sensors, and activators. In 1986, Honeywell purchased Sperry Aerospace, and markedly enhanced its position in the aerospace industry. Edson Spencer, Honeywell chairman and chief executive officer, said the purchase was among the most important his company had made, It is an outstanding opportunity for Honeywell that positions us for the long term in a market that is expected to have significant growth for the next 10 years commercial and military aviation (Arnold, 2012). This purchase made Honeywell the worlds leading integrator of avionics systems, incorporation flight controls, space vehicles, and the first FAA-certified wind shear warning system. It continued to expand, and by 1993, the company continued its world-wide expansion by opening affiliates in Abu Dhabi, China, Oman, Romania, and the Ukraine. In a span of 26 years, Honeywell had operations in 95 countries through 83 wholly-owned subsidiaries and 13 joint ventures. One of the most noted and discussed mergers occurred in 1999 when AlliedSignal, a diverse manufacturer, bought Honeywell for $13. 8 billion in stock. AlliedSignal kept the Honeywell name, merging offices, and closed its Morristown, New Jersey headquarters. The merger resulted in a major restructuring for Honeywell which added to its product line and services. The deal created a company with $25 billion in annual sales and a market capitalization in excess of $45 billion. The merger gave the combined company the marketing edge, providing their airline customers to take advantage of new technology that would boost cost savings for both parties. In an unexpected turn, the early part of 2001 brought difficulties for Honeywell when the European Commission rejected the purchase of Honeywell by General Electric (GE). In October 2001, Honeywell and GE, the largest corporation in the world and the number one producer of jet engines, announced the intent to embark on one of the largest industrial mergers in history. The plan was for GE to acquire Honeywell, the largest worldwide supplier of non-engine aerospace equipment. During negotiations it was anticipated that there would be no antitrust problem; as GE and Honeywell were not competitors and not part of the same supply chain. The merger was intended to bring together complementary products that were component parts of large jet aircraft. The deal would have been the largest industrial merger in history. Instead, it became recognized as the first, and so far only, merger between US companies to be derailed solely by the European anti-trust authorities, while being cleared by the US Department of Justice (DoJ). On July 3, 2001, in an unprecedented act, the EU officially rejected the planned $42 billion acquisition of Honeywell International Inc. , by GE. The merger was denied by the EU after concluding that the merger would create or strengthen dominant positions on several markets and that the remedies proposed by G.E. were insufficient to resolve the competition concerns resulting from the proposed acquisition of Honeywell. The merger between G. E. and Honeywell, as it was notified, would have severely reduced competition in the aerospace industry and resulted ultimately in higher prices for customers, particularly airlines† (Pellegrini, 2001). Despite the fact that the GE buyout failure was a stumbling block, Honeywell used the experience to strengthen its core businesses by continuing to develop and introduce new products. The company started an aggressive acquisition strategy with the goal to increase revenues and decrease cost in a strategy that, â€Å"†¦divested small, underperforming operations, reduced the number of suppliers, and streamlined operations in small ways elsewhere† Honeywell History, n. a. ) The results paid off for Honeywell, as they continued to win a large percentage of their contract bids, sales were ahead of budget, and the rate of turnover in managers did not significantly increase from the same period in the prior year, and customer satisfaction was up. Honeywell faced some challenges after the GE debacle, however, by making changes it displayed that tenacity, hard work and a willingness to take risk, can result in huge payoffs. Honeywell continued to streamline and improve their lean manufacturing processes, i. e. Six Sigma Plus, implement and ensure compliance of the company code of conduct and maintain its dominance as a government contractor. Honeywell began its Six Sigma process and concept of self-managed teams in 1995 to â€Å"drive data-based decision making, ensure quality levels, and improve customer satisfaction† (Crager, 2007). Through training, leadership, and senior management support, Honeywell successfully developed their Six Sigma program. In late 2001 Honeywell combined the concepts of lean manufacturing and Six Sigma in a program called Six Sigma Plus to create a more robust program. The program was designed to align improvement objectives directly with business needs by integrating top talent and generating bottom-line results. Six Sigma Plus is an overall strategy to accelerate improvements in all processes, products and services, and reduce the punitive cost of poor quality through elimination of waste and reduction of defects and variations. One of the ultimate aims documented in the Six Sigma Plus strategy is providing maximum value to customers by applying a logical and structured approach to all business processes. One of the pluses of Six Sigma is that it empowered employees, allowing them to make decisions that impacted how their unit or line was performing. This provided Honeywell an excellent tool that is a highly respected measure of excellence. (M. Calderon, personal communication, May 1, 2012) Honeywell took the basic concept of Six Sigma and created its own version which is known as Six Sigma Plus. It is currently used across all businesses and brands to drive growth and productivity. â€Å"The standard operates by providing a measurement of how effective the organization is in eliminating defects and variations from processes. To meet its requirements, a process must operate at 3. 4 defects or less per million opportunities. This equates to 99. 9997% error free† (Six Sigma Plus, n. d. ). Conscious application of the Six Sigma methodology to all business processes delivers greater value to its customers and makes Honeywell a more desirable business partner. The implementation of lean manufacturing processes has enabled Honeywell to maintain tight controls in all aspects of the managerial accounting processes. With the use of managerial accounting, Honeywell has ensured that their productions and service is well planned and controlled. With the budget cuts facing government, private sector job loss, and tightened markets, it is impressive that Honeywell has continued to maintain its sales growth in the United States. The diversity of Honeywell’s world-wide enterprise, exemplifies the importance of a creative corporate marketing approach. Honeywell consists of unique business units, with each, offering a variety of products and services. Strategies and implementation of those strategies must be developed and executed at the corporate, business unit, and product levels. Overall, strategy and long-term planning are guided by the company’s vision and stated mission. At the business level, planning begins with an examination of the current situation, including technological changes and competitive effects. By using this type of analysis, Honeywell is better equipped to address and identify threats and new business opportunities. Decisions to pursue new opportunities are followed by establishing a set of objectives, often stated in terms of market share, sales volume, or profitability. Subsequently, business and marketing strategies are developed to achieve those objectives. Effective execution of strategy in implementation must then occur for objectives to be realized. Effective financial statement analysis will be a primary indicator that indicates the progress and demonstrates whether company goals are being met. Honeywell has been a leader in their industry in planning and control and have used financial analysis in depth to evaluate and control their growth and profitability. It continues to be effective in identifying opportunities to improve the organization’s efficiency and in developing strategic plans to realize those opportunities. By using a diversity of analytical tools Honeywell is better prepared in making operating decisions, such as how and where products are to be manufactured and serviced, whether insourcing or outsourcing is more equitable, and whether to expand and the area to expand to. Timely and accurate financial statement preparation is critical to the success or failure of a business. The financial officer, owner, partner or members management team of a business must review the business financial statements and have a good understanding of them. Financial statements are critical to Honeywell’s ability to make solid, informed decisions. Such decisions are needed in order for Honeywell to meet one of its primary goals, which is to realize a high rate of return on their investments. The measurement and success of this initiative is arrived at by measuring it against other industry averages. This information helps Honeywell understand that current initiatives do show a market response. In view of the fact that the industry average can be general in nature the industry average should be used as a guide. A failure to use the data appropriately can mislead investors and have a disastrous affect on Honeywell’s reputation and marketability. Achieving their strategic plan will not only involve Honeywell’s internal planning and controlling, but it will also involve the support of creditors and investors. Both are key players in providing capital needs to support new initiatives and milestones; the use of financial statements in this process will no doubt be the backbone of the decision making process. It is difficult to know the health and direction of a company if financial statements are not reviewed in a timely manner. In its pursuit of investors, or the success in the results of an external audit, the financial statements are the ultimate representation of company’s financial position. In general accounting practices, Honeywell uses process costing for its furnace thermostats (home products division) and job costing for customized aerospace contracting products. When thinking in terms of standard costs and whether they would be beneficial, one factor to consider is the fact that Honeywell is a world-wide producer with operations in many countries outside of the United States (US). There are ramifications when doing business overseas as well as doing business in the US and each scenario has its own benefits and consequences that are unique to specified circumstances. Honeywell, like their competitors has migrated to low cost countries because of the labor rate differential. The move to overseas production creates additional concerns and dynamics. World-class manufacturing in today’s competitive environment demands more than a single-minded focus on eliminating defects. Since the introduction of Six Sigma and Lean tools to their operations over a decade ago, Honeywell has delivered significant results for customers in terms of the quality, delivery and value of our products and services. To achieve competitive advantage in today’s environment, Honeywell has continued to build on its Six Sigma and Lean foundation, and identify new ways to differentiate themselves. Benchmark companies such as Toyota and Nissan use Six Sigma and Lean tools. Like Honeywell, they also have a disciplined management system that standardizes work and engage employees in improving work processes. In doing this, organizations have achieved tremendous performance improvements. The Honeywell Operating System is a comprehensive, integrated approach to managing their organization. It is characterized by a consistent focus on results for the benefit of our customers, not on the use of specific tools. The objective is to simplify and standardize processes everywhere, to remove variation across operations, and to drive significant and sustainable improvements in safety, quality, delivery and cost. Employees are encouraged use tools such as Six Sigma, in achieving a common purpose: global wide use of an operating system that consistently yields excellent results for the customers and the company. Implementing standardized cost standards is not an easy task and it will take time. Honeywell maintains that standardization will evolve to fit different business environments and changing customer needs and will become an essential part of the process that will bind their company across business and geographic boundaries. Honeywell’s workforce consists of residents of the country they are in to satisfy requirements imposed by foreign nations. It is almost mandatory to have overseas operations to reduce labor and material costs; however, these operations come with high risk. Foreign workers are not always equipped with the necessary skills to perform the manufacturing duties required by a highly technical company. The expense of employing and developing such a workforce can create additional costs. In determining what the additional costs, standard costs prove beneficial because they would provide Honeywell the ability to budget costs with a great understanding and degree of confidence. A standard cost system allows a company to factor in methods that would absorb the periods in which higher costs are identified due to foreign employment development and when costs are low or minimal due to workforce stabilization. In its foreign production, Honeywell will have to set attainable standards in order maintain its performing baseline. Another factor in foreign operations is the volatile condition of the world. The United States is not always welcomed in other countries. It is not uncommon for a common protest to turn into a major world crisis. Such examples are those of the uprisings in Israel and Libya. Honeywell hosts operations in Israel, where relations between the government and the general population are volatile and unpredictable. In addition, we have seen several instances where regimes have changed power and attitudes toward the US in a matter of days. Standard costing is paramount as an aide for monitoring and managing the risk of unpredictability. It is a healthy practice that can protect Honeywell from severe monetary damage if a foreign tragedy should affect the business. The information obtained from standard costing aides Honeywell against the volatility of today’s markets and the strategy of its competitors. Honeywell is continuously improving its processes, products and management style to maintain their competitive edge. To be competitive, Honeywell will continue to use their standard cost system to help them execute planning and control of their strategic priorities. Tracking costs will also help Honeywell identify weakness and variances in their production system. Undetected problems in the areas of materials and labor can eventually raise variance to a point of hindering Honeywell from maintaining their core competencies. Consequently, today’s market provides no room for error, but every opportunity for a competitor to gain the lead. In many respects, some of the rationale that goes into using standard costs also applies to formulating the right strategy to gain a positive Net Present Value. Honeywell’s reach is global and therefore its investment opportunities are also global. Due to the unique factors involved with global markets, it is necessary for Honeywell to perform critical planning for investment decisions. Honeywell has a reputation as an organization that is willing to take risks to make money. It has done that by acquiring other business or expanding its existing facilities for future business. Such expansions are expensive and these expansions require additional staff which adds to the cost of investment. Large expenditures are a challenge to control the net present value (NPV) and require clear identification of cost and risks in order to be a success. Strategic moves, such as partnering with the national government, can leverage the way to a positive NPV. In this approach, there are tradeoff between the corporation and the government in which both interests can be mutually met. Corporation’s like Honeywell utilize these paths in order to reduce investment costs and have accurate projections for calculating and incorporating NPV baselines. Because of the ongoing activity of many investments occurring at one time, it is critical that Honeywell has complete knowledge of their NPV and ensure profitable investments are achieved. Failing to do this can result in major losses, especially when an unplanned shortfall occurs. Although the investment sounds promising, it is critical that NPV is properly measured. It is also advisable from an NPV and program management position that Honeywell phase its investment into NPV milestones which help determine if they should move forward to the next phase of the investment. This process would provide a safeguard while allowing the innovation to prove itself. While the actual rate of return (IRR) that  a given project ends up generating will often differ from its estimated IRR rate, a project with a substantially higher IRR value than other available options would still provide a much better chance of strong growth. IRRs can also be compared against prevailing rates of return in the securities market. If a firm cant find any projects with IRRs greater than the returns that can be generated in the financial markets, it may simply choose to invest its retained earnings into the market. The need for Honeywell to practice continuous NPV drills in a market with circumstances such as those faced in China by US companies, is critical. While both countries maintain a civil business partnership, there is an unspoken adversarial relationship which creates instability. China is strategically positioning itself as a global power therefore, the relationship between both countries is precarious and any misstep by Honeywell could severely damage the existing business relationship. Another potential concern for Honeywell is that China is currently the largest lender to the US. At the point that China reaches the economic capacity to sustain its prosperity internally, we have to ask ourselves if they will request repayment by the US prior to maturity dates. As we have seen in several European countries, a request of that magnitude could destabilize an already fragile US economy. In consideration of this scenario, and other contributing factors, Honeywell should be careful in investment planning, and phase its activities so that the NPV is not contingent upon results that will take a long period to realize a return. In summary, Honeywell has proven itself as a world leader of technology. This corporation is known world-wide and is a household name. Honeywell leads the way in advanced switching and sensing technology in their home division, and its aerospace division. In spite of the GE failure, it has kept its mark on the global economy through market highs and lows and has maintained its dominant position in an extremely competitive industry. As a long-time survivor and global competitor on the world stage, Honeywell continues to make its mark in history by developing innovative safety products, driving the modernization of global air traffic management, revolutionizing combat technology and their commitment to improving operational efficiencies. Honeywell continues to display their dominance with its diversity and profitable risk taking ventures. Perhaps Honeywell’s greatest strength has been the fact that it has adapted to a world that is ever changing and has embraced the challenge that other companies find daunting. With the continued vision to improve processes for safety, quality and cost, reducing waste, and using integrated strategies Honeywell continues to be a standard for their industry. They continue to be innovative and competitive and have a strong commitment to bringing profitable products that their customers need and want. Due to the diversity and competitive market that Honeywell has chosen to operate in, it is of extreme importance that the company maintains sound financial practices that will support the moral fiber and marketability of the company. As Honeywell moves into the future I believe they will continue to perfect their processes to produce the right financial statements, useful in calculating their position in the market, and providing the best advice for investment decisions. The proper use of standard costs and net present value are an example of the critical tools that ensure Honeywell continues to thrive in today’s unknown global conditions. Also critical to the success of Honeywell is the continued utilization of strong and proper ethical practices as the company is well known, world-wide competitor and a representative of the American business ethics and values. Whether it is in the Middle Eastern or the Far East, Honeywell is known and recognized; such a position makes it important for Honeywell to be transparent in its fiscal disclosures. Sound financial practices are essential to Honeywell in order for the company to continue its success and market dominance. Primary emphasis on these practices will serve to maintain Honeywells status and help them make the most profitable investment decisions for their investors and the company. As recent as April 23, 2012, Honeywell declared a â€Å"regular quarterly dividend of $0. 3725 per share on the companys outstanding common stock. The dividend is payable on June 8, 2012 to shareowners of record at the close of business on May 18, 2012† (Honeywell Declares Quarterly Dividend, 2012). If this is any indication, Honeywell will continue to be a viable global competitor and financial contributor to our financial and job market. Honeywell is an excellent example of an organization that is forward thinking and proactive. It has operated with a strong ethical code of conduct, strong financial discipline and an ever present focus on the future. This methodology and ideology will ensure their continued financial growth and market expansion. It is apparent that their cost standards, lean processes, and disciplined managerial financial management has enabled them to overcome obstacles, secure their position as a global competitor and a viable contender in today’s competitive, technology-oriented world.

Marketing Strategies Used By Lic Commerce Essay

Marketing Strategies Used By Lic Commerce Essay Life Insurance Corporation of India was established in 1956. It comprises of 8 zonal offices and 101 divisional offices. LIC is fully government-owned. It provides individual insurance, group insurance and pension plans. The subsidiaries of life insurance corporation of India are LIC International, LIC Nepal, LIC Lanka, LIC Housing Finance. MARKETING STRATEGIES USED BY LIC LIC followed these strategies It got the first mover advantage. There was intense product differentiation. Market segmentation was done intensely to include people of almost all ages. LIC took help of advertisements to promote its brand value. They have used creative slogans so that they can hit the customers mindset. Attacked customers emotionally with these slogans. It avoids any interference w.r.t communication to the customers and reduces the number of advertisement agencies so that the correct message reaches all the customers so that the main objectives are fulfilled. SWOT ANALYSIS OF LIC Strength It ranks first amongst the insurance companies. After sales service, long term plans hold the most importance. Provides employment to 1,15,000 people Has around 2000 branches across India and 10,00,000 agents. Weakness since it is government-owned, therefore ther is very little innovation. gets affected by bureaucracy and red tape. it becomes difficult to manage the huge workforce in the times of economic crises. Opportunity Effective service can be provided to the urban sector with more use of technology. It can involve good brand proportion. There has to be proper implementation of the government schemes. Threats It poses threat since the government policies keep changing. The entry of insurance sector. BCG MATRIX OF LIC Market Growth highStar Jeevan anand Money plus policy Pension plus Question mark New Bima Nivesh New Jeevan Shree lowCash cow Group Scheme Health Plans Dog Amulya Jeevan l o w h i g h R e l a t i v e M a r k e t S h a r e DOG- it means low share of low market growth with no cash generation at all. It might even lead to break-even. Eg- Amulya Jeevan CASH COW- it means high share of low market growth, there is economic profit and even funds other brands. Eg- Group schemes and health schemes. QUESTION MARK- it means low share of high market growth and it consume resources. Eg- New bima nivesh and new jeevan shree. STAR-there is high market share and high market growth, there is high cost and low profit and it generates high profit. Eg- Jeevan anand, pension plans and money plus policy. PORTERS FIVE FORCES OF LIC BARGAINING POWER OF CUSTOMERS THREAT OF SUBSTITUTE PRODUCTS BARGAINING POWER OF SUPPLIERS COMPETITIVE RIVALRY WITHIN AN INDUSTRY THREAT OF NEW ENTRANTS CUSTOMER SATISFACTION Customer satisfaction refers to the phenomenon which shows how much the customers are satisfied the product or the services provided by the agencies. CUSTOMER SATISFACTION OF LIC : It encourage face-to-face dealing with the customers. It includes responding to the messages promptly and keeping all the clients well-informed. It is readily approachable and amicable in this tough competition with the other insurance players. The customer service policy must be clearly stated and well-defined. MARKETING ENVIRONMENT Macro-environment :The company and all the other actors operate in a large macro environment that shapes the opportunities and pose threat to the company. Major forces are : Demographic -since literacy and education increases employability, higher earning jobs also bring the change in perception about the need for insurance. Economic -Inflation rate: High inflation reduces the insurance business particularly life insurance quota, because the real value of money decreases with with increase in inflation rate. Technological more innovative channels like bank, post office, ATMs should be introduced. political and legal -IRDA act, 1999: bill allowed for 26% for an equity participation in the insurance sector. cultural -The work culture in the organisation was sloppy and strong trade union made it difficult for managers so that the job is done. Micro-environment: It consist of five components: Organising Internal Environment: Its several departments and management levels Marketing Channel Firm: Supplier and marketing intermediaries within it It consists of 5 types of markets in which organization can sell: consumer, producer, reseller, government and the international market Competitors Basically the other insurance companies like, Tata AIG, Bajaj Alliance, etc. All types of publics that have an actual interest in the organization ability to achieve its goal. CONSUMER BUYING BEHAVIOR First, let us know what influences consumer buying behaviour. They are:- Cultural factors Social Factors, and Personal factors Cultural factors: -LIC is a trusted brand in India and is totally owned by the government. -There can be unnatural events like death, sudden crisis, etc. Social Factors: -LIC focuses on both the reference group and family status of the people. -In joint families, there is less stress on buying behaviour. Personal factors: -LIC has different insurance plans according to the needs of the people concerning their age, lifestyle, values, personality and wealth. Key psychological process: -LIC has always motivated the customers by its influential insurance plans and its offers. People has a perception of buying LIC because it is government-owned and is considered number one in paying claims. SEGMENTATION, POSITIONING AND TARGETTING Segmentation: LIC in India was divided into 2 basic segments: individuals and corporate people. The first segment comprised of individual customers. It is further divided into four sub-segments protection, investment, savings and pension. Protection products gives only protection to the different customers from risk. These dont provide any savings facility to the policyholder. Investment products offer long-term investment growth and insurance cover. Savings products like endowment and money back policies provide both protection and investment benefits. Pension policies are products offered to the customers as income during their years of retirement after they quit their respective jobs. The corporate segment was divided into three sub-segments protection, statutory savings and pension. Down the line, LIC catered to both individual and corporate segments. Individual insurance policies include Endowment Policies, Money Back Policies, Term Assurance Plans, Periodic Money Back Plans and Joint Life Plans. The corporate policies include group insurance schemes such as group gratuity schemes, group term insurance schemes, group savings linked insurance scheme and group leave encashment schemes. Targetting: Targeting is the actual selection of the segment you want to serve the target market is the group of people or organizations whose needs a product is specifically designed to satisfy. LIC mainly targets children who are basically into schooling, people in earning periods and senior citizens who have got retired from their respective services. It not only targets the urban people but also the rural people. Positioning: Positioning is a marketing strategy so that people can form a mental image of the product in their minds (relative to other products). LIC positions itself as the most sort after insurance company providing financial solutions to the people. It is very popular among the people because it is government owned. BRAND EQUITY LIC has done a good job in reinforcing its brand image of the folded hands to the people. It is readily trusted by the people as it is one of the most oldest insurance player in the country. Its tagline ZINDAGI KE SAATH BHI ZINDAGI KI BAAD BHI has gained popularism not only in urban but also in rural areas. The slogan of LIC is Yogakshemam Vahamyaham which translates from Sanskrit to Your welfare is our responsibility. The literal translation from Sanskrit to English is I carry what you require. The slogan, written in Devanagiri script, is found below the hands holding the lamp. PRODUCT LIFE CYCLE QUESTIONNAIRE MARKETING SURVEY PERSONAL INFORMATION NAME: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦.. ADDRESS: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦. à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦. CITY: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦..STATE: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ PINCODE: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦.. GENDER: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ MOBILE NO.: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ MAIL ID: à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦.. Please tick (à ¢Ã‹â€ Ã… ¡) in the boxes, as relevant: What is your major reason for opting LIC as an investment policy? Investment Insurance Investment and insurance If others, please specify à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Does anyone else in your family have any kind of policy? Yes No If yes, please provide the details of the LIC policy your family is currently using. Termà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Maturity yearà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦. Premiumà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Insurance coverage amountà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Why did you opt for this particular LIC policy? à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Have you ever been hospitalized in the last 3 years? Yes No If yes, what was the reason for getting hospitalized? Also, please state the expenses that you incurred during the hospitalization. à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ What is the current amount of premium per month that you are paying in this policy? Less than Rs 500 Rs 500 Rs 1000 Rs 1001 Rs 2000 Rs 2001 Rs 4000 More than Rs 4000 Have you ever bought an insurance policy from any one of the following companies? TATA AIG life insurance LIC of India Metlife Birla Sunlife Insurance If yes, then please mention the type of policy that you bought à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Do you currently own a life insurance policy? Yes No If yes, which of the following policy is it? Term insurance Permanent life insurance Whole life insurance Universal life insurance Limited pay life insurance Endowments Accidental death Others Have you made a claim on your existing insurance policy? If yes, please mention the type and amount of claim? Yes No Type of claimà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦. Amount of claimà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦.. How much is your current insurance cover per month? Less than Rs 10000 Rs 10001 Rs 25000 Rs 25001 Rs 50000 More than Rs 50000 Are you satisfied with your insurance policy? Yes No Are you looking for a better LIC policy? Yes No THANK YOU FOR YOUR VALUABLE TIME AND PATIENCE.  Ã…  Ã‚ Ã…  Ã‚ Ã…  Ã‚ Ã…