Friday, December 27, 2019

Global Warming Is The New Epidemic - 1261 Words

Global Warming is the new epidemic that is facing the United States as well as the entire world. Global Warming is the gradual increase of temperatures around the globe. The gradual rise of the average temperature of the Earth’s atmosphere and also the oceans is believed to be permanently changing the Earth’s climate. There is a debate among an abundance of people that and sometimes in the news, on whether global warming is real or not. However, scientists and climate experts all agree that the planet is warming and that could lead to a world wide crisis. Global Warming is caused by various things. However the main causes is by human activities such as burning of fossil fuels, land clearing, agriculture, increased volumes of carbon dioxide and greenhouse gases are believed to be the primary sources of global warming in the past five decades. It has been recently predicted by global warming scientists from the Intergovernmental Panel on Climate that the average temper atures of the globe could possibly increase between 1.4â„Æ' and 5.8â„Æ' by the year 2100. This temperature rise can and will possibly affect planet Earth in many different ways. The effects and changes of global warming are many. Changes include rising sea levels due to melting of glaciers and at the Earth’s polar ice caps. Ice is melting worldwide in mountain glaciers, ice sheets covering West Antarctica and Greenland, and Arctic Sea ice. Therefore the sea level has been rising faster of the last century. As aShow MoreRelatedThe Humanoid Effect877 Words   |  4 Pagesmight be why? Hasn’t global warming always existed? Yes. It has always been a menacing epidemic but there have been obvious changes to the environment. With the drastic weather changes, it is suspected that all of the polar ice sheets should be melted by 2100. Many scientists have studied what could be the cause of this epidemic. The fact of the matter is that the scientists have established what exactly is causing it, which are high levels of carbon dioxide. Global warming is life threatening andRead MoreThe Effects Of Climate Change On The Earth1358 Words   |  6 Pagesrages as you begin to seize. You have Malaria but live in Europe. Climate change is classed as any alteration in global weather patterns over a period of time. However the climate change the earth is currently experiencing is far from anything ever experienced before and its 99% certain that it has been caused by human industrialisation. Like anything that affects the earth on a global scale it affects everything including microorganisms and therefore disease. Climate change is causing disease toRead MoreGlobal Warming: Causes and Effects1422 Words   |  6 Pagesï » ¿Global warming has been a very contentious issue of late in regards to environmental health and safety. Many pundits and critics alike exclaim that global warming is not as prevalent as individuals claim. One such pundit is that of George Will, whose article, Dark Green Doomsdayers indicates that global warming is simply a hoax. The statistics however prove otherwise. Global warming and its effects are far reaching. Society is affected due to higher frequency of natural disasters and drought.Read MoreGlobal Warming Has A Effect On The Size Of The Vector Population912 Words   |  4 Pages sandflies and blackflies.14 The largest health impact from global warming worldwide would occur from vector-borne infectious diseases because arthropod vectors are cold-blooded and thus, are very sensitive to climatic factors.4,14 Therefore, vectors and pathogens are predominantly affected by high temperature, as weather affects their survival and reproduction rates, habitat suitability, and abundance.7,14 Consequently, global warming has a direct impact on the size of the vector population. MalariaRead More Global Warming is False Essay1730 Words   |  7 Pagesthey think of global warming. They are reminded of Al Gore and his st ance on global warming and they automatically think it is true. He has a lot of evidence to back up his theory about how global warming exists and that it is the reason animals are going extinct and also why the climate is changing. Well these facts are wrong and there is evidence to prove it. Global warming is not real and the Earth might even be in a cooling period. There so many reasons to blame people for the epidemic of this falseRead More Global Warming is a Reality That Must be Taken Seriously Essay520 Words   |  3 PagesGlobal Warming is a rising epidemic that is one of high controversy. The growing concern that Global Warming is going to thermally destroy the earth is causing concentrated precautions to take place. With worry mounting in the lives of the human race, it is intensifying the idea that things must be done to stop the depletion of the ozone layer. There are several problems around the earth that prove the occurrence of Global Warming. It is very real. The wor ld could end at any given time in the nextRead MoreGlobal Warming Case Study736 Words   |  3 PagesAs the idea of global warming becomes a more avidly discussed topic, we wanted to determine the truth on whether it is actually occurring. Therefore, we decided to complete a study where researchers analyzed the average minimum, average maximum, and average mean temperatures from the years 1948 to 2017, a period of 69 years. In each of the graphs constructed, there is a positive correlation between average temperature and years, meaning that as the years increased so did the temperatures. In figureRead MoreGlobal Health Essay1345 Words   |  6 Pagesto anticipate, prevent, and ameliorate global health problems would diminish Americas stature in the realm of health and jeopardize our own †¨health, economy, and national security, stated by The Institute of Medicine. Global health refers to health phenomenon that transcends across national borders. For instance, global health would address predicaments such as: infectious and insect-borne diseases that can spread from one country to another. Thus, global health should be addressed by collaborativeRead MoreGlobal Warming: Natural or Man Made? 1139 Words   |  5 PagesMan made global warming has been a topic of uncontrollable controversy for many decades now. Global warming is the increase in the average global surface temperature in the Earth’s atmosphere. There are many theories as to why there has been such a drastic change in the Earth’s atmosphere throughout the years. These theories have igni ted many debates amongst scientists. According to multiple scientists, humans are the ones responsible for the alarming change in the Earth’s atmospheric temperatureRead MoreCause And Effect Of Global Warming953 Words   |  4 Pagescause and effect of global warming, but it can take years for scientists to reach a consensus. The claims that global warming is the next apocalypse or is just some fairy tale lack scientific proof. These claims have confused the general public, and leave many citizens’ questions unanswered. Many people are concerned about the overall decline of environmental health due to an increase in man-made greenhouse gas emissions, but experts are now clarifying the debate on global warming with hard scientific

Thursday, December 19, 2019

Perception of Beauty - 1330 Words

MAKE SURE TO CITE ERYTHANG LATA Every single day, here in America, hundreds of little girls go shopping for Barbie dolls, one of the universal symbols of childhood. The girls squeal with excitement, Ooh, Mommy, can I have that one?,while bounding towards the beach Barbie in the purple bikini, or the party Barbie in a shimmering minidress. The mothers grimace, gesturing casually in the direction of books, stuffed animals, board games,or really anything but that doll. Now honey, why would you ever want to buy anything like that? Why indeed? Barbie dolls are on of the many unreal standards of beauty floating around our perilous modern society. Children consider them innocent playthings, or collectible figurines, but they are really a prime example of just how young, impressionable minds can be shaped by the this centurys demanding culture. In fact, if a Barbie doll was scaled it the size of an average human, it would have a waist of eighteen inches, which is six inches smaller than the average catwalk model, and a whopping thirteen inches smaller than a normal nineteen year old (dailymail.co.uk). However, if a barbie isn’t a realistic standard of beauty, then what is? One of the most intriguing questions of all time is,†What determines what people call beautiful?† Or, how has that standard changed over time? Despite beauty being a subjective quality, the perception has changed depending on what the media portrays and cultural developments regarding women, asShow MoreRelatedThe Perceptions of Beauty2321 Words   |  10 Pagesa Hollywood fashion show. The saying ‘beauty is in the eye of the beholder’ is a complex phrase with many underlying questions. Different people possess different kinds of beauty and different cultures disagree on what is considered beautiful and what is not. So the question remains; why do physical attributes play such a vital role for success in people’s lives today? Some of the reasons will be discussed in this paper outlining the perception of beauty and the implications it has on people’sRead MoreThe Global Perception of Beauty1768 Words   |  8 Pageshas a tremendous influence upon global beauty culture, social construction and the personal self-esteem of individual women, worldwide. Society’s dependence upon media constructs our perception of reality on a daily basis, transforming the beauty culture on an international level, while the cosmetic industry profits. On a global scale, only 2% of women believe they are beautiful, excluding almost three billion around t he world from the feeling of self-beauty; a figure that steadily increases interchangeablyRead MoreSociety s Perception Of Beauty1148 Words   |  5 PagesBeauty is a perception we hold in society as what is attractive or not. Our perception of beauty is a social construct, meaning that it is made through society through its depictions of beauty. In our society today, our perception of beauty is shaped through the media, since the media portrays specific standards of beauty that people feel they must follow. Although media portrays beauty across different races and ages, society’s perception of beauty is skewed towards a specific and established standardRead MoreSociety s Perception Of Beauty1193 Words   |  5 PagesBeauty is a socially constructed perception regarding what is seen as attractive or not. Our perception of beauty, as stated previously, is a social construct, meaning that it is made through society and the people who are part of it. In our society today, our perception of beauty is shaped primarily through the media, since the media portrays specific standards of beauty that people feel they must follow. Although the media is perceived to portray beauty across different races and ages, society’sRead MoreThe Influence of Media on Perception of Beauty2091 Words   |  9 PagesThe influence of the media on our perception of female beauty Defining beauty is not without its challenges: look up the definition of beauty in any english dictionary and one will be met with an ambiguous description similar to this: A combination of qualities that pleases the intellect or moral sense (Newman 2010) acknowledges the dilemma in asking what beauty is. She maintains we grope around the edges of the question as if trying to get a toe-hold on a cloud. We know it whenRead MoreMedia s Influence On The Perception Of Beauty1389 Words   |  6 Pagesdefine beauty? The answer is seemingly yes, though agreement on said definition(s) is an entirely different matter. Some concepts have the luxury of general consensus. Of course, where there is consensus on definition, there will be debate on operationalization. Nothing remains unchallenged. Beauty, however, is in a class of the transient, the ineffable, and the ephemeral. The word is just a word, but the identity ascribed to it is of the mysterious. So how does one begin to define beauty if suchRead MoreThe Fashion : Unrealistic And Harmful Perceptions Of Beauty1500 Words   |  6 PagesThe Fashion Industrys’ Unrealistic and Harmful Perceptions of Beauty As you are flipping through the pages of any fashion magazine, you see that they are plastered with freakishly skinny, young women made up to resemble perfect barbie dolls. If you are the average american girl, you would probably be feeling a little more insecure about yourself than when you first opened the magazine. You begin to realize everything that you wish you could look like and are stuck comparing yourself to images thatRead MoreBeauty Is a Reflection of Culture and Perception Essay809 Words   |  4 PagesHow beauty is perceived and what beauty is defined as is a very controversial topic. Beauty is a reflection of one’s culture and perceptions. However, one’s idea of beauty may become contorted. This results in a misperception of what beauty really is. Society makes it out to be a perfect model or celebrity that no one can compare to. In order to understand why beauty is not a universal idea, one must know what beauty is, what each culture perceives as beau ty, and the misperception society gives peopleRead MoreMedia s Perception Of Beauty For Women933 Words   |  4 Pages When I watched Slim Hopes I was quickly reminded of the impact media has on the definition of beauty for women. The introduction of the video caught my attention and set the tone for the rest of the video. The introduction was versatile in its showcase of the medias impact on ones perspective. Jean Kilbourne is knowledgeable about the media’s perception of beautiful women, and how through history they have carried out that agenda. The main point of this video Slim Hopes is to educate viewers onRead More Different Perceptions of Beauty in Nature Essay1558 Words   |  7 PagesDifferent Perceptions of Beauty in Nature Ralph Waldo Emerson derived his philosophy of transcendentalism from ideas of Plato. According to Emerson, one has to have a very sensual relationship with beauty and nature in order to reach this transcendence. However, Emerson’s outlook on beauty as written in Nature is very different from what Plato wrote in The Republic. Interestingly, these differences will result in different methods for attaining the same state of transcendence. I believe, however

Wednesday, December 11, 2019

Management of IT Systems and Projects for Triple Constraints

Question: Discuss about theManagement of IT Systems and Projects for Triple Constraints. Answer: Introduction The purpose of this report is to critically analyze the importance of project management system in an organization. This will be based on a case study, Denver International Airport Baggage Handling System An illustration of ineffectual decision making. The report will also consider other illustration of a projected management system using the concept of triple constraints. Typically, project management refers to a process of organizing ideas, resources, decisions, and strategies so as to achieve goals and objectives set by management (Dann Dann, 2007 p.56). Some of the requirements in project management include skilled human resources, proper time management, materials and ability to meet costs in a project. If all these factors are integrated, then goals and objectives of a project will be achieved. Issues of Project Management in the Case Study From the case study, the company was using information technology to facilitate baggage handling. The company was among the first to use information technology in project management. However, it was not possible to meet the objectives due to several constraints that took place in the course of project execution. First, Denver underestimated the complexity of their project. This was a bad move the company made at that time. Any project needs to be executed without underestimating the requirements (Reece Walker, 2007 p.78). It is very important to ensure the process is scheduled extensively to avoid delays and other constraints. Second, Denver failed to incorporate proper planning systems when changing strategies. For that reason, the company could not succeed in the project. Planning is key to any project. Without proper skills in project management, many companies end up making inconsistent decisions (Cocca Alberti, 2012 p.186-200). This affects the strategies used in project execu tion. Therefore, it is important to use proper projects management skills so as to make viable decisions on what needs to be done. Information Technology in Project Management Denver used information technology that failed to deliver the core purpose of the project. For that reason, we formulate how technology can be applied in project management. First, information technology enhances storage and recovery of huge quantities of information and data regarding the project. Denver should have applied information technology to retrieve relevant data. Thus, the company would have managed to reduce risks in the project. Again, information technology is used in project management to improve the performance of the project as well as a gain competitive advantage. This technology is also very applicable to developing project designs (Dann Dann, 2007 p.56). Denver should have used this technology to come up with unique designs for handling baggage. In addition, information technology applies different project management software to facilitate execution of complex phases in project execution process. In this case study, the company underestimated the complexity of the project. Use of project management software would have enabled the company to execute complex tasks. Triple Constraints In this section, we consider the importance of using various examples of triple constraints in project management. It is important to note that all projects are carried out using certain constraints. Typically, these constraints relate to time, scope and cost (Dann Dann, 2004 p.34). They are called triple constraints. First, we consider cost. A proper budget is required in order to execute the project successfully. This facilitates proper delivery of new product or service as per the objectives of the project. For example, costs may go beyond the budget of a project if more workers are added. For example, an automobile engineering project was shut down when the costs exceeded the budget. This was attributed to the low quality produced by the company. Again, we consider time as part of triple constraints. If you reduce the time for a project, it is important to reduce the scope of the project (Fletcher, 2012 p.98). You will be forced to increase the costs. For example, a company producing new mobile handset was to meet customers demand on delivery time. The company was forced to increase more workers so as to meet the schedule set by customers. Lastly, we consider scope. The scope of a project needs to be defined before executing a project. When the scope is increased, it is also important to increase time and cost (Daft, 2015 p.56). For example, a software development company was asked by customers to increase some features. The company was forced to increase delivery time and other costs. References Cocca, P., Alberti, M. (2012) A framework to assess performance measurement systems in SMEsInternational Journal of Productivity and Performance Management,59(2), pp: 186-200. Daft, R.L. (2015) Management South-Western College Pub. Dann, S., Dann, S. (2004)Strategic Internet marketing Brisbane: John Wiley Sons. Dann, S., Dann, S. (2007) Competitive marketing strategy Frenchs Forest, NSW: Pearson Education. Fletcher, F. (2012) Business Problem Solving Routledge. Reece, I. Walker, S. (2007) Teaching, training learning: a practical guide. 6th ed. London: Business Education Publishers Limited.

Tuesday, December 3, 2019

Oliver Twist Essays (1003 words) - English-language Films

Oliver Twist OLIVER TWIST With all of the symbolism and moral issues represented in Oliver Twist, all seem to come from real events from the life of its author, Charles Dickens. The novels protagonist, Oliver, is a good person at heart surrounded by the filth of the London streets. Filth that Dickens himself was forced to deal with in his everyday life. But through morals and mere chance Oliver becomes a living symbol. It?s probable that the reason Oliver Twist contains so much fear and agony is because it?s a reflection of occurrences in Charles Dickens' past. During his childhood, Charles Dickens suffered much abuse from his parents. This abuse is often expressed in his novel. While at the orphanage, Oliver experienced a great amount of abuse. For example, while suffering from starvation and malnutrition for a long period of time, Oliver was chosen by the other boys at the orphanage to request more gruel at dinner one night. After making this simple request, the master (at the orphanage) aimed a blow at Oliver's head with the ladle; pinioned him in his arms; and shrieked aloud for the beadle. The whole beginning of Oliver Twist's story was created from memories which related to Charles Dickens' childhood in a blacking factory (which was overshadowed by the Marshalsea Prison ). While working in the blacking factory, Dickens suffered tremendous humiliation. This humiliation is greatly expressed thr ough Oliver's adventures at the orphanage before he is sent away. Throughout his lifetime, Dickens appeared to have acquired a fondness for the bleak, the sordid, and the austere.? (Bloom 231) Most of Oliver Twist, for example, takes place in London's lowest slums. The city is described as a maze which involves a mystery of darkness, anonymity, and peril. (Bloom 232) Many of the settings, such as the pickpocket's hideout, the surrounding streets, and the bars, are also described as dark, gloomy, and bland. Even while his life was in danger while in the hands of Fagin and Bill Sikes, two conniving pickpockets, he refused to participate in the stealing which he so greatly opposed. All Oliver really longed for was ?to escape from harsh living conditions and evil surroundings which he had grown up in.? (Walder 299) However, no matter how tempting the evil may have been, Oliver stood by his beliefs. Therefore, he can be referred to as: Unfortunately, many critics have found it hard to believe that a boy such as Oliver Twist could remain so innocent, pure, and well spoken given the long period of time in which he was surrounded by evil and injustices. Fagin the head of a group of young thieves, spends most of his time trying to demoralize and corrupt Oliver and prevent him from ever coming into his inheritance. (Hobsbaum 72) To Oliver, he is seen as an escape from all previous misery. He also helps Oliver to ease any fears about starvation and loneliness. One element relied heavily upon in this novel is symbolism. Obviously, escape is an important symbol in Oliver Twist. Oliver is seeking various forms of escape from conditions which makes him unhappy and from his loneliness and starvation. Since dealing with escapism, it is not surprising that death also plays a major role as a symbol in this story. In the novel, death and coffins symbolize a happy and peaceful manner of escape. It is suggested that only loneliness and brutality exist on earth. Supposedly, there is no sanctity on the planet, which is a belief that goes against the idea of a ?Heaven on earth.? (Praz 54) Another important symbol within the novel is two separate and conflicting dualisms: one, social, between the individual and the institution; the second, moral, between the respectable and the criminal. (Praz 56) Most of Oliver Twist seems to imply that it is better to be a thief than to be alone. (Walder 152) This tends to make the reader think that Dickens favors the criminal aspect of his novel over the moral side. However, the conflict between the individual and the institution leads to Dickens' criticism of social injustices such as injusticestowards the poor. Also in the form of satire, Dickens attempts to challenge the pleasurability of fortune. (Romano 81) Aside from satire,

Wednesday, November 27, 2019

Humanities and Academic Disciplines free essay sample

Do you know what your human condition is? If this is a question that you have ever asked yourself then you might have heard of humanities. Humanities are academic disciplines that study the human conditions, using methods that are primarily analytical, critical, or speculative, as distinguished from the mainly empirical approaches of the natural science. Wisped. (n. D. ). Looking further into humanities we are able to better understand ancient and modern languages, literature, law and history, just to name a few, a whole lot better.Distinguishing the difference between humanities vs.. There modes of human inquiry and expression are simply put that humanities are the study of the humans action and reaction to different areas mentioned above, were as other methods can include the study Of science and math as it relates to the items mentioned above. Art for example in an area of study is widely considered in the humanities for the creative nature that one has to have to create art. We will write a custom essay sample on Humanities and Academic Disciplines or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page First we have the history of art, then drawing, painting and so on. This is an interesting topic when dealing with humanities. Some say that it is pure talent and enjoyment when it comes to art. Other say that it is something that has to be done very precise and thought out, then and only then is something considered art. Music is also a big topic when it comes to humanities. Like art it depends on the person when it comes to humanities. One might think that music is a way of expression or a form of speaking.Were as others might take music to the extreme and feel like they have to hit every note at the exact same pitch every time or sing every word is the same tone every time to be precise. Like a math equation, it must equal out to be the same every time or it will not work. Another topic that we need to discuss is literature. At its broadest, it can mean any sequence of words that has been saved for the spread in some form or an other, often it is used to Humanities 3 show the creativeness or imaginative works such as stories, poems, and skits.It is also used for the use if items that are of great significance and in need of reward. Shakespeare had literature mastered at his prime and was able to express his love for plays and life through his writings. It takes much talent to express yourself or something in the way that you intended it to come Architecture is a great way for one to fully express themselves or share with millions the ay they are feeling or their creativeness.

Sunday, November 24, 2019

Free Essays on The Tribute Money

Artist Report #1 The painting that I chose was Masaccio’s, â€Å"The Tribute Money†. In this painting, Masaccio displays his mastery of the human form. All of his figures stand in perfect contraposition giving them an easy, natural look. The story told in this painting is done in three parts, in â€Å"continuous narration.† In the middle of the picture, Christ (the central figure) instructs Peter (wearing blue and orange) to catch a fish, whose mouth will contain the money the tax collector demands. At the far left of the scene, Peter grabs the fish and takes the tribute money from its mouth. He then pays the tribute to the tax collector on the far right. â€Å"Masaccio achieves perfect perspective in this fresco by directing the viewer’s eyes to the central vanishing point located behind Christ’s head† (Arts and Culture, Benton, pg 301). â€Å"The architecture, unlike the figures, is not monumental in scale, as it would distract from the drama of the scene illustrated. The landscape background shows the use of aerial perspective and consistent lighting. The Tribute Money is an example of Masaccio’s mature work, demonstrating full accomplishment of his revolutionary new Renaissance style. The vanishing point for the linear perspective in this work focuses on Christ’s head. This point was considered to assist in drawing together all aspects of the painting (landscape, houses, and figures) in spatial unity. â€Å"All lines on the buildings in the right of the picture follow the orthogonals to the vanishing point. A mathematical division called caesura structures the painting. These are based on musical scales, and the first caesura falls upon Christ† (Mifflin, Houghton. Tribute Money by Masaccio, February 12, 2003. http://college.hmco.com/history/west/mosaic/chapter 7/image92.html) The figures in The Tribute Money are individualized. Masaccio’s figures are constructed through an observational and anatomical... Free Essays on The Tribute Money Free Essays on The Tribute Money Artist Report #1 The painting that I chose was Masaccio’s, â€Å"The Tribute Money†. In this painting, Masaccio displays his mastery of the human form. All of his figures stand in perfect contraposition giving them an easy, natural look. The story told in this painting is done in three parts, in â€Å"continuous narration.† In the middle of the picture, Christ (the central figure) instructs Peter (wearing blue and orange) to catch a fish, whose mouth will contain the money the tax collector demands. At the far left of the scene, Peter grabs the fish and takes the tribute money from its mouth. He then pays the tribute to the tax collector on the far right. â€Å"Masaccio achieves perfect perspective in this fresco by directing the viewer’s eyes to the central vanishing point located behind Christ’s head† (Arts and Culture, Benton, pg 301). â€Å"The architecture, unlike the figures, is not monumental in scale, as it would distract from the drama of the scene illustrated. The landscape background shows the use of aerial perspective and consistent lighting. The Tribute Money is an example of Masaccio’s mature work, demonstrating full accomplishment of his revolutionary new Renaissance style. The vanishing point for the linear perspective in this work focuses on Christ’s head. This point was considered to assist in drawing together all aspects of the painting (landscape, houses, and figures) in spatial unity. â€Å"All lines on the buildings in the right of the picture follow the orthogonals to the vanishing point. A mathematical division called caesura structures the painting. These are based on musical scales, and the first caesura falls upon Christ† (Mifflin, Houghton. Tribute Money by Masaccio, February 12, 2003. http://college.hmco.com/history/west/mosaic/chapter 7/image92.html) The figures in The Tribute Money are individualized. Masaccio’s figures are constructed through an observational and anatomical...

Thursday, November 21, 2019

Mechanisms Used in Common Law and Civil Law in Transfer of Syndicated Coursework

Mechanisms Used in Common Law and Civil Law in Transfer of Syndicated Dept - Coursework Example It is also subject to being added upon by legislation from a law making legislature such as parliament. Here previous rulings give guidance on current cases and are referred to. It originated in England and is still used commonly there and in former Great Britain colonies such as Australia, New Zealand Canada and in most countries of the commonwealth. Debt syndication is a situation where many lenders come together to offer credit to an individual entity, a conglomerate, or a government to spread out the debt risk among the participating lenders (called the syndicate) and share in the profits of the debt proportionately under a single syndicated loan agreement. This paper gives an analytical introspection into common and civil law in reference to transfer of syndicated debt. Loan amounts involved in syndicated debts are normally much larger than normal debts, and a default could have serious ramifications on a single lender, hence the need to spread the risk among many lenders. There is a lead borrower known as the ‘agent’ that does most of the administrative work concerning the loan or contributes proportionally larger debts.1 A syndicated loan can be provided as a term loan provision where a specified amount of loan is provided over an agreed time period of time called the ‘term. In addition, the borrower is usually allowed, under the given circumstances, a brief time after the loan availability to withdraw money up to the maximum limit and then repays in installments (amortization) or once at the expiry of the term (bullet payment). The syndicated loan may also be provided as a revolving loan facility where the borrower draws portions of the loan amount for a given period, for instance, within three to six months after which the repayment is due and can draw from the loan facility to repay the outstanding loan. This is a concept which is referred to as rollover loan. A syndicated loan can also be in the form of a general loan where new bor rowers can come into the agreement under specific circumstances and may also combine rollover loans and multiple term loans. This is a concept which is legally defined within the law.2 The borrower usually starts by approaching the lead borrower (agent) who advises the said borrower and contacts other lenders. The agent is the contact person with the borrower and represents the views of the syndicate. The agent also monitors how the borrower meets terms and conditions of the loan agreement. In addition, the agent keeps all records, collects all payments and interest from the borrower, and then pays both members of the syndicate at a fee. After a loan is approved with the requisite legal requirements satisfied, the borrower can then access the loan under the agreed terms. In this case, the borrower may wish to transfer the loan to a third party for a variety of reasons listed in the following part of the discussion. Acquire Capital The borrower may sell its interest in the syndicated loan if it is a long term loan facility to get capital or benefit from new better loan facilities. Reduce or Avoid Loss The borrower may experience difficulties and decide to sell its loan commitment to distressed debt specialists Capital