insured receives a contract‚ called the insurance policy‚ which details the conditions and circumstances under which the insured will be financially compensated. 1.2 History of insurance In some sense we can say that insurance appears simultaneously with the appearance of human society. We know of two types of economies in human societies: natural or non-monetary economies (using barter and trade with no centralized nor standardized set of financial instruments) and more modern monetary economies
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WEB TECHNOLOGIES Click Fraud Bernard J. Jansen The Pennsylvania State University Unchecked‚ click fraud could undermine the sponsored search business model. T oday‚ Web search engines are the primary method for millions of users throughout the world to access information on a topic‚ navigate to Web sites‚ keep up with the news‚ and shop online. Most major search engines generate revenue via sponsored search‚ a process whereby content providers pay for traffic from specific links
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What social reforms do we need! Social reform is a progressive manner to change society for the better of mankind. Social reform is a term that could be used to describe any type of reform that directly affects the public. It also refers to any attempt that seeks to correct any injustices in a society. People who are involved in social reforms do so with the aim of improving the standard of society. We need some reforms in our country Pakistan. Pakistan is a land of tremendous contradictions. On
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COMPANIES: THE WORLDCOM FRAUD Introduction The purpose of this report is to investigate and discuss the accounting fraud that occurred at WorldCom in order to recommend improved strategies to Berkshire Hathaway’s management for avoiding investments in companies with fraudulent financials. Accounting fraud is a crime committed by high level employees at an organization to manipulate the organization’s financial statements and intentionally disguise company performance. The fraud is committed without
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Introduction : We have seen a spate of cyber frauds in the recent past. The frequency and scale of the incidents has created a lot of concerns for the banks‚ regulators and customers. What do banks in India have to learn from these? Are they doing enough to ensure that we don’t end up as sitting ducks? What preventive measures to take to face this new menace? Before we consider these and other related questions‚ we need to understand the anatomy of cyber frauds. Cyber Fraud is a generic term used
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each and every day‚ but for what reason? Is it because some people are trying to avenge the death of their loved ones‚ is it out of pure violence or terror‚ or out of protection for themselves? Regardless of the reason it is a recurring thing that needs to be discussed. There is a reason why people are beginning to lose faith and trust in the people governing this country‚ and the main reason is so many young men and women (African-American most) are losing their lives to police related incidents
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That Vision Thing: Do We Need It? Michael E. Raynor T H E CEO OF IBM‚ LOUIS V. Gerstner‚ Jr.‚ was widely quoted in the press when‚ faced with the challenge of turning around the beleaguered computer maker‚ he said‚ ’the last thing IBM needs right now is a vision ’. 1 For a good many critics‚ Gerstner ’s comment was greeted with a heartfelt ’it ’s about t i m e ’ - - t h a t is‚ it is about time that a senior executive had the courage to speak up and put all that rhetoric about visions and
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Why do we need heroes? Every era and every person once recognized one or more outstanding people to be their personal heroes. This merely for the reason that we‚ as common people‚ sometimes feel so insignificant in comparison to the great deeds and grand events that are happening around us. We identify our own heroes when in need of inspiration or strength to achieve something important. We look up to those whom we can connect to our current life choices‚ present challenges or even when we strive
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Apollo Shoes Case Assignment Apollo Shoes Inc.‚ Anderson‚ Olds‚ and Watershed has enjoyed working with your company this year‚ and look forward for more to come. Enclosed are the item that your company has requested of us‚ while there are some improvements to be made‚ your staff has done a fantastic job in assisting us with our audit. We hope that we have assisted your company and answered any questions about improvements to be made. Team C Sales Internal Control Questionnaire for Apollo
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ENGL 102 Ari Zeiger Why We Need The Draft Back Back to the age of wars‚ when United States had to fight the wars such as World War 2 or Vietnam War‚ they had to draft the men and women from their nation to support their military in the wars. Some people supported this idea but most of the country went against it because they didn’t want their country fought the wars anymore. They wanted peace! That was a reason why Richard Nixon‚ the President of the United States at that time‚ proposed the message
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