Analysis of Thirteen Ways of Looking at a Blackbird, by...

Wallace Stevens is not an easy poet to understand. His work is purposely twisted and tangled so one is forced to thing-whether they want to or not. Stevens’ poetry ranges from real life situations to situations which are simply a depiction of his imagination. One thing can be concluded though, Stevens does not allow his work to have a single meaning. Why should he? This is the upmost quality that makes his stand out from his competitors in the poetic industry. An interesting theme though which Wallace truly enjoys writing about, in all seriousness, is something thought provoking- perception. The book definition of perception is â€Å"appending [something] by the means of senses or the mind† . In his poem, â€Å"Thirteen Ways of Looking†¦show more content†¦This is where one can see the new role the blackbird is playing. A new perception of the bird. It is now part of one’s conscious. It does not have an on or off button that any human can control just l ike a â€Å"river†¦moving† (Stevens 48). A new theme is suggested in this part which makes its way up to the top a couple more times in the work. It is choices. It this specific case it is clear that the individuals the speaker is referring to do not have a choice but to acknowledge the bird. In the fifth part on the other hand, once again a new idea is presented and this is not the case. Here the bird becomes an objectified â€Å"beauty† but this doesn’t last long because as the sixth part approaches, the readers once again return to the winter time â€Å"filled† with â€Å"icicles† (Stevens 17-19). A circular pattern can now be seen with the seasons. Another hint of a continuous process occurring- the process of perception. In the seventh stanza the speaker calls up the â€Å"thin men of Haddam† (a city in Connecticut) and asks about the â€Å"golden birds† (Stevens 25-26). He goes on to say that the â€Å"Blackbird walks around the feet of the women about [them]† (Stevens 28-29). What could he possibly mean? Loazi, a philosophical author, wrote in his book that one should â€Å"Know the masculine, keep to the feminine.† With that being said, when the lines from the poem are re-evaluated, it can be seen that theShow MoreRelatedAnalysis of Thirteen Ways of Looking at a Blackbird by Wallace Stevens995 Words   |  4 PagesThe title of Wallace Stevens poem, Thirteen Ways of Looking at a Blackbird, is misleading, because he does not only offer thirteen ways of looking at blackbird, but the poem offers us many insights on how humans think. Blackbird, written by Paul McCartney and John Lennon, has many similarities with Thirteen Ways of Looking at A Blackbird other than just thei r titles. They use many poetic conventions to explain their poem s ideas, both writers use a blackbird to compare to humans and humanRead MoreThirteen Ways of Self-Questioning1358 Words   |  6 PagesThirteen Ways of Self-Questioning The poem â€Å"Thirteen Ways of Looking at a Blackbird† is written by Wallace Stevens. It contains thirteen sections; each section provides us a picture that is centered by the element of blackbird. Blackbird in the poem signifies people’s consciousness. So this poem wants to tell us that every person has a perspective to look at the world. It questions our process of thought to understand the world, and reminds us realize the problem of it. In â€Å"The Language of Paradox†

Beethoven, Symphony No 3 ( Eroica ) - 1447 Words

Beethoven, Symphony No. 3 (Eroica) Ludwig van Beethoven was one of the greatest composers and a musical genius. Beethoven was born on December 16, 1770 in Bonn, Germany and died on March 26, 1827 in Vienna, Austria. Beethoven came from a family of musicians just like many other great composers before him had. At the age of only 11 Beethoven began serving as an assistant to the court organist and had several published piano compositions at the age of 12. At the age of 18, he became the legal guardian of both of his younger brothers, after the death of his mother and dismissal of his father from the court choir because of alcoholism. By this team Beethoven was also a court organist, violinist and responsible for composing and performing.†¦show more content†¦Works that he created after this time showcased heroism. Beethoven was a self-educated man who enjoyed reading the likes of Shakespeare and other famous poets. He had many love interests in his life, but was never able to sustain a long-term relationship. The Immortal Beloved was a passionate love letter that he wrote to a women. He only referred to her as the â€Å"immortal beloved† and did not use a name. It was said to have been written about Viennese aristocrat Antonie Brentano and was never sent out, but found in a drawer after his death. Beethoven had reached complete deafness in the 1810’s. At this time he piano playing and conducting were deteriorating. At the age of 44 he was no longer able to play in public, but insisted on conducting still. Often times the performances were chaotic and he was hard to comprehend by musicians. He had a custody battle for his nephew Karl, in which he won. This caused disaster as Beethoven craved attention and companionship. After 1818, Beethoven conducted some of his greatest works even though he was completely deaf. Beethoven’s music was influenced by Haydn and Mozart although he had his own unique style. He was one of the greatest compo sers ever and had to overcome his complete deafness and suffering to put out these great works. One of Beethoven’s famous works was his Symphony No. 3 (Eroica). It was known as Eroica or â€Å"heroic† in Italian. This work was written immediately following the Heiligenstadt Testament. ItShow MoreRelatedProgram Notes on Eroica1665 Words   |  7 PagesHLM 213 Program Notes April 26, 2012 The Eroica Symphony Beethoven’s third symphony was first preformed privately in early August of 1804. One would think that the people of this time period would marvel over anything Beethoven composed. However, Eroica was not as well received or understood, as Beethoven would have liked. Many educated listeners were thrown off by the â€Å"false† horn entry halfway through the first movement. It is said that Beethoven’s pupil was surprised by this, and was reprimandedRead MoreLudwig Van Beethoven ( 1770-1827 )1428 Words   |  6 PagesLudwig van Beethoven (1770-1827) was a German composer, a representative of the Viennese classical musical school; was born in Bonn, but spent most of his life in Vienna. Notably, Beethoven s music is a complex synthesis of creative achievements of the Viennese classics (Gluck, Haydn, Mozart); art of the French Revolution; and the new emerging artistic direction, Romanticism. The works of Beethoven bear the imprint of ideology, aesthetics, and art of the Enlightenment. This explains the logic,Read MoreThe Rise Of Ludwig Van Beethoven1458 Words   |  6 PagesThe rise of Ludwig van Beethoven into the ranks of history s greatest composers was paralleled by and in some ways a consequence of his own personal tragedy and despair. Beginning in the late 1790 s, the increasing buzzing and humming in his ears sent Beethoven into a panic, searching for a cure from doctor to doctor. By October 1802 he had written the Heiligenstadt Testament confessing the certainty of his growing deafness, his consequent despair, and suicidal considerations. Yet, despiteRead MoreBiography Of Ludwig Van Beethoven s Symphonies1558 Words   |  7 Pages Ludwig van Beethoven’s nine symphonies are indispensable pieces of music and contributed to him being referred to as one of the most famous musicians in all of musical history. His symphonies are still played today and are recognized around the world. He is known as a symphonic master due to his nine symphonies. Ludwig van Beethoven was a German composer during the transitional period between the Classical and Romantic eras. Beethoven’s symphonies were greatly influenced by Haydn and Mozart inRead MoreFirst Movement of Beethovens Symphony No. 3 Essay499 Words   |  2 PagesBeethovens symphony No. 3 Eroica Beethovens Symphony No.3 also known as the Eroica consists of four parts, namely, allegro con brio, adagio assai, scherzo and allegro, which is the standard structure of a symphony. In this work, the analysis focuses on the first movement so as to show how Beethoven enriched symphony. The first movement has a distinctive sonority and texture. It is considerably long as it takes about 14 minutes (it may depend on the version). Some complete symphonies from the classicalRead MoreEssay about Analysis of Beethoven Symphony 3 and Mozart Symphony 403307 Words   |  14 PagesBeethoven Symphony No. 3 and Mozart Symphony 40 Forms Sonata form is one of the more popular forms of music that is found in a variety of different works including symphonies, concertos, and sonatas. Sonata form features three distinct sections: the exposition, development, and recapitulation. Mozart was one of the early composers of this form of music. I will examine the clear distinctions between each section and how he does not stray from the typical form. In later years the form would changeRead MoreThe Revelation Of Beethovens Childhood1617 Words   |  7 PagesLife as it was for Beethoven had many varying elements, and this research paper will be revealing a lot of what he went through as a young boy all the way to the end of his life and career as the world renowned Ludwig van Beethoven. The basis for this paper is to express and expound on the life and career of Beethoven, and why he was seen as part of the pivotal transition between the Classical and Romantic eras. The topics that will be discussed will be the revelation of Beethoven’s childhood andRead MoreThe Romantic Era Of Beethoven1709 Words   |  7 PagesBeethoven The Romantic Ludwig Beethoven grew up in an unhappy home during the late 1800s in Bonn, Germany. His alcoholic father was an angry man and Ludwig escaped his dreadful childhood in his music. At the age of twelve, Ludwig had symphonies imbedded in his mind and soul. He was a gifted composer who supported his family with his talent, he taught music and performed. Music was not enough to protect Ludwig from his abusive home life, his mother died and his father’s drinking grew worse. AtRead MoreThe Impact Of Beethoven On The Development Of The Symphony Until Mahler3555 Words   |  15 PagesDiscuss the impact of Beethoven on the development of the symphony until Mahler. Difficult as it may be to define the true relationship of an artist to his successors, this difficulty is enormously increased when the subject is as complex a man and musician as Beethoven. His role as both a â€Å"preserver of the eighteenth-century tradition1 and a pioneer of romantic self-expression, has secured his status as one of the most revered composers in the history of Western music. Throughout his symphonic cycleRead MoreBeethoven’s 8th Symphony, 4th Movement Narrative2154 Words   |  9 PagesNovember 30, 2011 The Not so Little Symphony Classical music has many purposes: it can move the listener with different emotions, it can relate to an occasion, or tell a story. For Beethoven, having a storyline in musical pieces was significant, through the chords and notes he conveyed struggles that related to him and could be linked to the general public. Whether it was a physical struggle or a social struggle, most of Beethoven’s earlier pieces evoke a protagonist that had to overcome an obstacle

Community Health Needs Assessment Tools Health And Social Care Essay Free Essays

string(177) " current tobacco users 393 22 % Although under a batch of debate, coal and in general volatiles \( dust \) have been proven by sufficient evident as causes of respiratory harm\." The research demand to bring forth qualitative and quantitative informations sing a peculiar community wellness demand is straight proportionate to the impact that the peculiar wellness demand has on the community and sometimes even the mortality/morbidity generated by the peculiar wellness job. In this respect, in this current appraisal we review the wellness demands of coal excavation workers in West Virginia, USA to place jeopardies and hazard factors refering to their wellness, by virtuousness of their designated profession. Community wellness demands appraisal is a strict undertaking that serves the population under survey by clarifying the current demands, reflecting the state of affairs which is frequently non balanced between wellness suppliers, insurance strategies, wellness disposal and/or community leaders. We will write a custom essay sample on Community Health Needs Assessment Tools Health And Social Care Essay or any similar topic only for you Order Now It besides serves at placing peculiar demands that are overlooked by health care functionaries that are either fresh or debatable by clarifying perceived and expressed wellness and well-being demands. In other words, it can be a utile means to picture the selected community ‘s skyline in regard to wellness demands, health care deficits and aetiology, all utile countries for the facilitation of better public wellness direction. In order to execute an accurate community wellness demands appraisal, research should be grounded on an up to day of the month background survey of the selected population ‘s demographics and nose count ( socioeconomic, work force and other ) informations, where available. Furthermore, peculiar wellness factors should be taken into history by pull offing information presently disseminated through health care functionaries ( such as mortality, disease prevalence, hazard factors analysis ) . This research would besides profit from an on-site reappraisal of environmental and work related conditions, if possible. The most utile and widely used instrument to carry on a community wellness demands appraisal and subsequent analysis is by agencies of a structured questionnaire based study that will use cross sectional and population specific points targeted at the current wellness demand. Furthermore, the instrument should be designed with attending to environment and province specific conditions, such as ordinances and Torahs, insurance coverage and even so, local traditions and unwritten codifications of behavior. For the above grounds, in this essay we will carry on a reappraisal of available information on the community of Coal Mining Workers in West Virginia, USA. After the acquisition and analysis of the pertaining informations, we will show a structured study instrument, taking to place wellness demands with regard to bing wellness jobs and patient satisfaction. BACKGROUND-RESEARCH We searched a broad array of online databases and administrations supplying demographic and other information for the population in inquiry. We besides conducted a MEDLINE hunt, to pull the image of already identified wellness demands and/or needs appraisals already conducted in this population. Search footings employed were â€Å" coal workers † , â€Å" west Virginia † , â€Å" wellness demands † , â€Å" pneumonoconiosis ‘ , â€Å" interstitial lung disease † , â€Å" occupational jeopardy † entirely or in combination. West Virginia is a province in the Middle atlantic subdivision of the USA, capital Charleston. The province is ill-famed for its mountain composing and important coal excavation industries. The mineral and coal resources in the country are huge, and West Virginia has been considered to hold fuelled a great portion of the industrial revolution of the developed universe. Furthermore, coal excavation and related work constituted major portion of the employment activities of the province, while still in the twenty-first century, it is believed that mining safety and environmental concerns are amongst the most ambitious issues confronting the province. In 2009, West Virginia was inhabited by 1,819,777 people. 5.6 % of West Virginia ‘s population were reported as under 5, 22.3 % under 18, and 15.3 % were 65 or older. Females made up about 51.4 % of the population ( United States Census Bureau, 2010 ) . Furthermore, harmonizing to US Census Bureau Data, West Virginia is the 3rd lowest in per capita income province. It besides ranks last at average family income. Virginia ‘s grownup population with a unmarried man ‘s grade is the lowest in the U.S. At 17.3 % . The chief economic system is coal, and the province is the lead in coal production, 2nd merely to Wyoming.From the West Virginia Office of Miners ‘ Health, Safety and Training we find that the West Virginia Coal Industry provides about 30,000 direct occupations in WV, including mineworkers, mine contractors, coal readying works employees and mine supply companies. In peculiar 20,715 are registered as employees in the 188 active coal mines in WV, while an extra 4,842 work as an independent contractor. From the same beginning we read that for 2009, fatal accidents were 3, non fatal accidents 1,164 and the accident frequence was estimated to be A 2.79 % . Involved in accidents are chiefly high electromotive force equipment, and countries in and around river burden outs. But apart from human deaths, a major wellness job for VW coal excavation workers is pneumonoconiosis, or ‘black lung ‘ . The CDC has implemented a safety and wellness chapter sing occupational Respiratory Disease Surveillance, and particularly for coal mineworkers, the Enhanced Coal Workers ‘ Health Surveillance Program ( ECWHSP ) . The ECWHSP includes studies that include specifically designed standardized wellness questionnaires, work histories, spirometry testing, radiographic scrutinies, and aggregation of other relevant wellness information, which are gathered in a specially designed nomadic scrutiny unit by trained forces on site.Results of the ECWHSP 2009 study on mine workers in West Virginia are shown on table 1: Finding Examined Rate Entire Engagement 1,884 20 % 9,593 pneumonoconiosis ( gt ; =1/0 or PMF ) . 93 5 % 1,884 pneumonoconiosis ( gt ; =2/1 or PMF ) . 43 2 % PMF 24 1 % advanced pneumonoconiosis 35 2 % hold a chronic cough. 624 34 % conveying up emotionlessnesss from their thorax. 690 38 % hold chest sounds of wheezing. 613 34 % hold had an onslaught of wheezing 738 41 % hold experienced dyspnoea on degree 741 41 % hold experienced dyspnoea on a hill 1,119 62 % hold chest stringency 672 37 % hold chronic bronchitis. 142 8 % hold emphysema. 79 4 % hold had pneumonia 337 19 % hold asthma 132 7 % hold TB. 4 0 % ne’er smoked. 954 53 % former tobacco users 455 25 % current tobacco users 393 22 % Although under a batch of debate, coal and in general volatiles ( dust ) have been proven by sufficient evident as causes of respiratory harm. In item, in coal mineworkers a important association between the degree of FEV1 and dust was found, even after accommodation for age, build and smoke ( Cowie,1999 ; Soutar 1989 ) . Some more interesting figures arise from the State Health Facts web site, shown in Table 2: Measured index WEST VIRGINIA USA Age-Adjusted Invasive Cancer Incidence Rate per 100,000 Population, 2005 484.2 458.4 Births of Low Birth weight as a Percentage of All Births, 2006 9.7 8.3 Number of Deaths per 100,000 Population, 2007 951.7 760.31 Life Expectancy at Birth ( in old ages ) , 2005 75.3 78.0 Percentage of Adults Who Have Ever Been Told by a Doctor that They Have Diabetess, 2008 11,9 8,2 Number of Deaths Due to Diseases of the Heart per 100,000 Population, 2006 236,9 200,2 Asthma prevalence among grownups 9.0 8,2 Percentage of Adult Population Aged 21-64 Old ages Who Reported a Disability, 2007 22,4 12,8 The above figures need to be assessed in cautiousness sing the high prevalence of â€Å" business of coal worker † in West Virginia. Apart from the evident pathophysiology of dust come ining the lungs and rendering them inveterate inflammatory, with marks of fibrosis and atelectasia or other interstitial pneumonic disease or pneumonoconiasis, wellness demands of coal excavation workers are extended to a assortment of diseases that are non as normally identifiable at the first expression. Although current testing methods and occupational policies do be for these workers, they tend to be centred on respiratory diseases. Coal Mining nevertheless, is a demanding, clip devouring manual labor that is frequently clamant and causes a assortment of clinical manifestations. As such we can see lower dorsum hurting, physical restrictions ( Galagher,2005 ) cervical spinal column degenerative alterations, vibration-hazard related organic structure alterations, sudden coronary decease ( Kopytina et al, 1993 ) , skin lesions ( Begraca et al, 1991 ) and mental wellness alterations ( Lagunov,1991 ) . Furthermore, the coal excavation community frequently has unmet demands on the degree of healthcare entree and use, that different stakeholders are normally incognizant. In a survey by Smith et al,2005 a community wellness demands appraisal was the agencies to the proviso of a community nurse and a alteration in healthcare proviso among former mineworkers in Kent. Having reviewed the major constituents of community wellness demands appraisal for mine workers in West Virginia and holding conducted the appropriate background reappraisal, we propose the undermentioned questionnaire as a tool to carry oning an effectual and fruitful rating of sensed and existent wellness demands, in a community of mine workers. This tool comprises of a wellness demands assessment portion, where the replies are left unfastened and positions are encouraged for propositions in order to ease the analysis of expected wellness and engagement to wellness concerns. The 2nd portion is a standardised demographics and wellness questionnaire that is used widely in this signifier, with minor changes in measuring the perceived wellness and demographic information of the survey population in inquiry. Emphasis is given on other diseases that might impact the coal excavation community ( participants are requested to number five-5 major wellness concerns ) and on sensed degree of attending and attention this community is having or should be having harmonizing to its demands. A inquiry sing their sibling ‘s wellness is put in the terminal to clarify concerns that are besides documented in the literature sing out of site taint with dust by coal workers that bring their occupational jeopardy in the household place or by scattering in neighborly countries ( Pless-Mulloli et Al, 2001 ) . Questionnaire: We are carry oning a reappraisal of the Health Needs within the WV coal excavation community. Along with statistical informations and analysis we are besides interested in your point of views. Instruction manuals Part One: Health Problems There are several factors that influence or find whether the people in your coal mineworker ‘s community are healthy. From the undermentioned list, delight rank from 1-5 ( 1 being the highest precedence ) what you think are the top five wellness and disablement issues impacting your community? Health Issue Your Ranking ( 1-5 ) Asthma / Respiratory Disease / Pneumoconiasis Cancer Cardiovascular Disease Depression / Psychiatric Disorders Diabetess Disability Drug and Alcohol usage Nutrition Fleshiness Oral Health Physical Injury ( including force and accidents ) Self injury / Suicide Sexual Health Smoking Other ( delight stipulate below ) What do you believe is needed to turn to the top three precedence issues identified above and what difference will this do? Issue 1: Issue 2: Issue 3: What is needed? What is needed? What is needed? What difference will this do? What difference will this do? What difference will this do? How much influence do you believe the following have as to whether people in your coal excavation community are healthy? Please mark each factor with an Ten, ranking â€Å" influence † from 1-5 following with an Ten Influence ( 1 is most, 5 is least ) Factors 1 2 3 4 5 Cost of services Ease of entree to wellness services Education Employment Family support Housing Income Social Isolation Conveyance Community support Insurance position Other ( delight stipulate below ) Your inside informations Please supply us with some information about yourself. This will help us with the analysis of the questionnaire consequences. Please mark the following that applies to you with an Ten Name ( optional ) Cultural Group American German decent Latino Other Gender Male Female Age Range Children ( aged 0 – 14 ) Adults ( aged 25 – 64 ) Youth ( aged 15 – 24 ) Older Peoples ( aged 65+ ) Where make you populate? metropolitan country county How many old ages have you worked in the coal excavation sector? ( figure of old ages ) Make you see your ego healthy? Yes No What is your chief concern? How frequently do you see a physician? List one preventative diagnostic trial that you had the old 6 months: ( colorectal showing, pap trial, ECG, CXR, ultrasonogram etc ) : Does your employer offer wellness promotion/wellness plans? Yes No Type of wellness insurance ( province ) : In the undermentioned subdivision, select which answer describes you. *Note that N/A stands for non applicable A Always Sometimes Never N/A You wear a place belt: You wear a helmet when siting a bike, Rollerblading or skateboarding: You drive the posted velocity bound: You eat at least 5 helpings of fruits and veggies each twenty-four hours: You eat fast nutrient more than one time a hebdomad: You exercise at a moderate gait at least 30 proceedingss per twenty-four hours, 5 yearss per hebdomad: You consume more than 3 alcoholic drinks per twenty-four hours ( female ) or more than 5 per twenty-four hours ( male ) : You smoke coffin nails: You chew baccy: You are exposed to secondhand fume in your place or at work: You use illegal drugs ( marihuana, cocaine, Methedrine, etc. ) : You perform self-exams for malignant neoplastic disease ( chest or testicular ) : You wash your custodies with soap and H2O after utilizing the public toilet: You undergo physiotherapy for lower dorsum hurting You apply sunscreen earlier planned clip outside: You get a grippe shooting each twelvemonth: You pattern safe sex ( rubber or other barrier method, etc. ) : You take vitamin pills or addendums day-to-day: You spend money on chancing more than one time a month: You attend spiritual services on a regular basis: You volunteer in your community ( church, schools, civic organisations, etc. ) : You donate money to community based organisations ( churches, non net income organisations, etc. ) : You get adequate sleep each dark ( 7-9 hours ) : You feel stressed out: You feel happy about your life: You feel lonely: You worry about losing your occupation: You feel safe in your community: You are afraid for your kids ‘s wellness You feel that the authorities is apt for your wellness You feel that the authorities is apt for your kids ‘s wellness How to cite Community Health Needs Assessment Tools Health And Social Care Essay, Essay examples

Interest Policies Insurance Industry

Question: Discuss about the case study Interest Policies for Insurance Industry. Answer: Introduction A Conflict of interest is a situation in which a person or organisation is involved in multiple interest, financial interest, or otherwise, one of which could possibly corrupt the motivation of an individual or organisation. Black's Law Dictionary also describes conflict of interest as being in connection with "public officials and fiduciaries and their relationship to matters of private interest or gain to them" in situations where regard for one duty tends to lead to disregard of another. The term "private interest" would mean any tangible benefit accruing directly to the one with a conflict of interest, or indirectly through associates, related organizations, friends, or family members. Tangible benefits can include, for example, direct financial rewards, improved employment, social positioning, public recognition, advocacy and publicity, business referrals, or political influence. It is a policy that any insurance broker who has the license to operate as a broker is obliged to manage, avoid and disclose situations of conflicts of interest within the organisation. There are many a number of situations where the conflict of interest may arise and some of these situations may arise where the broker: Acts under a binding arrangement Is reliant on an insurer(s) for commission as their sole or principle method of income Has representatives whose income is solely derived from or contingent upon commission or volume business Has arrangement in place for premium funding Zurich Insurance Group Ltd is an insurance-based financial services provider.Founded in 1872 - and in Canada since 1923 - Zurich has a global network of subsidiaries and offices in North America, UK, Europe, Asia Pacific, Latin America and other markets. Zurich's 60,000 employees serve customers in more than 170 countries. In Canada, they focus on developing unique solutions for Large Canadian Corporations, Canadian based multinationals, Canadian business in manufacturing, real estate, technology, public sector and constructions and groups and associations in niche markets. Zurich knowledge of U.S. and international insurance and their close working relationship with Zurich colleagues around the world enables them to provide borderless insurance solutions to meet customers needs, regardless of their location. In Canada, they conduct business exclusively through a network of independent insurance brokers. The FSA has set out high-level requirements in respect of conflicts of interest for insurance brokers. There is the need to identify conflicts of interest in the organization so that it is tackled effectively and it is imperative on the managers, employees and all appointed representatives to help in the identification of the conflict of interest which may occur between them and the and their clients or one client of the firm and another client on the other hand. Other aspects of the potential source of conflicts of interest have been indicated above but the four main possible sources or the most significant conflicts of interest are indicated below: The first significant point is where the firm or the employee of the firm is likely to main any financial gain, or avoid a financial loss, at the expense of the client in this case the firm or employee is not supposed to make any financial gain or even avoid any financial loss at the expense of the client. For further understanding of this issue which may lead to conflicts of interest, an example of such situation is where there are maximum commission rates that the regulator has advised that insurance companies pay to brokerage firms lets say a commission of 15% is paid to a broker (eg KEK Insurance Brokers) for a motor comprehensive business. The broker as per its duties seeks competitive quotations from selected insurance companies, (competitive quotation here means that the rates are good and equally the insurance company has the ability and capabilities to pay claims when they fall due) and when these quotations are received, the broker is supposed to make known all the rates to the client and then advise them as to which one is best in terms of rates and then ability and capability to pay claims when they fall due but at the point where the broker conceals the rates of other insurance companies and then forwards that of a particular insurance company because the broker knows that it is going to gain much more commission over and above when other insurance companies give, for example 18% in the case of motor insurance businesses, at this stage, the broker has gained financially at the expense of the client who could have gotten better and competitive terms from other insurance companies who were not even approached by the broker. There are also certain situations which also indicates that the broker is likely to make financial gain at the expense of the client and this is where the firm or the employee receives inducements in the form of money, fuel coupons from other insurance companies so that they place the business with such companies even though they are not competitive. The second most significant conflict of interest is when the firm or employee have an interest in the outcome to the client or of a transaction carried out on their behalf, distinct from the clients interest in that outcome. In this case, instead of the brokerage firm or the employee having the interest of the client at heart in the discussion of premium computation and especially in situations where there are claims. For example, the client has made a claim for damage to his/her vehicle and per the duties of the broker, they are supposed to follow up on all repair estimates and make sure that the vehicle is either repaired or when it is a total loss case, the client is properly compensated but because the employee has interest in the outcome or the transaction, it wouldnt give the best advice to the client, example lets say a claim has been made and an estimate forwarded to the insurer, the claim is not in respect of a total loss and the client is not even asking for a total loss bu t because the employee wants the vehicle, they persuade the client to push for total loss and talks to the insurer to issue discharge for total loss even though the clients interest in not for it to be declared total loss. The employee then after the client has finally agreed for total loss and signed the discharge, the employee will then contact the insurance company for it. Thirdly, another form of conflicts of interest is when the employee or firm have a financial interest or other incentive to favor the interest of another client over the interest of the client. Analysis Of How Each Of These Four Conflicts Of Interest Is Mitigated Zurich should maintain and operate effective organizational and administrative arrangements with a view to taking all reasonable steps to prevent conflicts of interest from giving rise to a material risk of damage to the interests of the clients. Zurich should keep and regularly update a record of the kinds of service carried out by or on behalf of that firm in which a conflict of interest has arisen Zurich should have an effective conflicts of interest policy in writing appropriate to the size and complexity of their business. Zurich must take all the reasonable steps to identify conflicts of interest. Recommendations to change business practice to improve the identification of mitigation of conflicts of interest. Zurich insurance broker as an international firm, it is very important that you continue to operate as transparently as possible. I believe you need to have more understanding of your business operation. By understanding how you operate and how you view the conflicts of interest policy will definitely help your organisation. The conflict of interest could be best avoided if different stakeholders in the organization can work together to achieve organizational goals and objectives. Zurich insurance is a large organization that has various internal and external stakeholders. The conflict could be best avoided within the organization only when the management can understand the expectations of different stakeholders in the organization. The expectations of the stakeholders could be well understood with the regular communication with them. Therefore. It is important that the organization and the management should arrange for various formal and informal meetings with stakeholders. I would also recommend counselling your staff and stress the importance of how to identify and orally provide information on conflicts of interest. This should then tie back into written confirmation. Within the procedural manuals write a principle statement on how Zurich brokers will deal with conflicts of interest situations. In the organization compliance meetings, put a permanent item on the agenda to ensure the compliance officer and responsible managers are constantly monitoring the situation. According to the FSAs guideline practice for conflicts of interest are as follows: Firms should always be willing to change business practice or exit a particular activity if the conflict risk cannot be satisfactorily mitigated. Firms must have a conflict architecture that is able to deliver the mitigation resulting from the review process. Best practices includes:- Clear, documented policy on conflicts identification and management governing general business conduct and procedures for managing conflicts where they arise. Ownership of conflict resides with business line management, who are responsible for identifying and managing the risk, supported by legal, compliance and other control functions. Conflicts clearance processes for routine day to day transactions. Clear arrangements for dealing with significant or sensitive transactions that may affect the reputation or financial stability of the firm with the appropriate escalation process. Explicit consideration of conflict risk in both the new business take-on process and decision making at a transactional level. Good recording of decisions and actions. Senior management must lead in ensuring the integrity of the management of conflicts of interest. To do this, the senior management needs to be sufficiently independent of the day-to-day transactions and conduct of business where conflicts may arise. Use of appropriate management information The culture of the firm must be support effective management of conflicts of interest. Conclusion A better understanding of the nature of conflicts of interest and the clearer and fairer formulation of rules can support greater confidence in the Insurance industry. With robust conflict of interest policies in place, organisations can continue to carry out their respective activities not in wary confrontation but in beneficial cooperation with the representatives of industry. It is important that the conflict should be taken as a positive thing within the organization. It appears that the primary conflict among the employees in the organization is with respect to the processes. Some of managers and employees of the organization do not like the existing processes and therefore they do not provide adequate support to the new managers. Therefore, it is important that the leaders and the management of the team should work on the process standardization. The process standardization cannot happen in a day or two. The management must establish a culture where the organization can minimiz e the people dependency and establish the defined processes. It is also important that the processes should be implemented effectively within the organization. The management should take a top-down approach to implement the processes and to develop a platform where conflicts could be avoided and any conflict could be taken in a positive manner. References https://www.referenceforbusiness.com/encyclopedia/Clo-Con/Conflict-of-Interest.html#ixzz416qt1kzq (2015) Advanced Insurance Broking 930 textbook by Chartered Insurance Institute. https://www.revisionmate.com Zurich.com