Thursday, October 31, 2019
About Capital Asset Pricing Model Essay Example | Topics and Well Written Essays - 2000 words
About Capital Asset Pricing Model - Essay Example CAPM holds that investors are operating in a perfectly capital market and all securities are valued accurately. If we plot the returns on the Security Market Line than none of the returns will be above or below the SML Line. A perfect capital market assumes that information is freely available to all the investors who have homogenous expectations. Secondly, the model assumes that the assets are infinitely divisible. This assumption emphasizes that investors can take any position in investment. For instance, they can buy $1 worth of stock of Intel Corporation. The third assumption about CAPM is that personal taxes are not present which implies that returns generated in the form of dividends or capital gains are not taxed. The fourth assumption is that individual investors do not have power to affect the prices of stocks by the action of their buying and selling rather it is determined in total by their actions. The fifth assumption is that investors make decision based on expected returns or risk, the other factors such as behavioral finance is not accounted to it. The sixth assumption is that there is no restriction on amount of short sales; individuals are free to conduct as many short sales transaction as possible. The seventh and the most stringent assumption is that investors are given the choice to borrow or lend unlimit ed amount of money at the risk free rate. The eighth assumption deals with the homogeneity of the investors’ expectations which mean that all the investors have defined their relative period of investment in exactly the same manner. The final assumption withholds that all the assets are marketable whether they be financial or non-financial such as human capital. CAPM has its roots build on the model of portfolio developed by Markowitz in late 50’s. According to the Markowitz’s model of â€Å"Mean-Variance analysis†, the investors are risk averse and will prefer more return on the same level of
Tuesday, October 29, 2019
Japan Airlines Flight 123 Essay Example for Free
Japan Airlines Flight 123 Essay August 12, 1985- Japan Airlines flight 123 left Tokyo, Japan at around 6:10 in the evening, fourteen minutes later at an altitude of twenty four thousand feet, and three hundred knots, an explosion, oscillations, and cabin decompressions was heard and captured on the plane’s on board recorder. The captain on duty was seated at the right side of the plane and his co-pilot, who was at that time training for promotion to be a captain, was sitting on the left seat. A few moments later, the captain signals an SOS on the transponder and suggests that the flight return to Tokyo. The airplane went down to twenty two thousand feet and went on doing violent movements; the plane, for about two minutes was doing a Phugoid, or longitudinal motion and rolls. The captain and his co-pilot were helpless and had no means in controlling the airplane’s heading through the usual flight control inputs. Their only way of limited control is done through thrust differentials. The plane was able to maintain an altitude of twenty two thousand feet and two hundred and fifty knots for an approximate duration of twenty minutes. At around 6:39 in the evening, the main landing gear was deployed which caused the erratic movements of the plane to intensify. The plane then did a controlled turn to the left while descending to eight thousand feet. Erratic movement of the plane meanwhile, continue. At 6:47 PM, the plane was in a mountainous area, the plane increased power, and they were at five thousand and three hundred feet. The flaps of the plane were extended at 6:51 PM that caused the roll angle of the plane to be sixty degrees, the crew starts to move the flaps and increase thrust. The plane was at ten thousand feet when it began a nose dive at a very fast eighteen thousand feet per minute. The crew countered this by lifting the nose. 6:56 PM – the airplane crashed at the mountains on an altitude of five thousand feet and three hundred and forty knots. Roughly forty six minutes since take-off and thirty two minutes since the decompression. Boeing, as owners of the plane, are somehow responsible for the crash but definitely they are not the only ones to blame and do not deserve to be blamed in entirety. Part of the responsibility lies with Japan Airlines who maintains the plane. In fairness to Boeing, they have provided specific repair instructions to the plane that was not followed by those who were responsible for the repairs. The plane had previously suffered damage to the bulkhead in 1978 but was not repaired properly. As stated in the report, â€Å"The initiation and propagation of the fatigue cracks are attributed to the improper repairs of the bulkhead, conducted in 1978, and since the fatigue cracks were not found in the later maintenance inspection, this contributed to the accident. †(Aviation Safety Network, 2008). Boeing did its part by providing proper instructions but their failure to see to it that they were carried out properly contributed to the crash which makes them partly guilty of neglect. There was confusion on the rescue operation, A US owned helicopter was the first at the scene, about twenty minutes after impact. The US chopper in turn, informed Yokota Air Base and offered backup. But the US helicopter was ordered to return to base because Japanese forces were to handle the mission. Poor visibility at the crash site prompted the Japanese team to report that there were no survivors and made it impossible to land. Thinking that there were no survivors the rest of the rescue team waited till the next morning to check out the site. But there were survivors, reports show that injuries on the bodies found imply that they survived the crash but were not given immediate medical attention which caused their deaths. If the helicopter pilot hadn’t reported abruptly that there were no survivors, there could have been. References Aviation Safety Network. (2007). Applying Lessons learned from Accidents. from: http://aviation-safety. net/database/record. php? id=19850812-1 Air Disaster. com (n. d). Special Report: Japan Airlines 123. from: http://www. airdisaster. com/special/special-jal123. shtml Jackson, H. (1985). 524 Killed in worst single air disaster. from: http://www. guardian. co. uk/fromthearchive/story/0,,1017027,00. html
Sunday, October 27, 2019
Iodometric Redox Titration of Vitamin C Tablets
Iodometric Redox Titration of Vitamin C Tablets Introduction Vitamin C is a vital component of a healthy diet which is why, like many others, my father takes vitamin C supplements. However, I noticed that the vitamin C tablets he takes expired in January 2009. These tablets were bought in the USA and developed a light amber tint. Therefore, I wondered whether this would mean that over time, the concentration of vitamin C has decreased. Hence, I researched a scientific method to determine the concentration of vitamin C in order to see whether my father should continue using the expired tablets or rather buy new ones. Chemically known as ascorbic acid, vitamin C is an organic compound containing of six carbon atoms, of which two can be readily oxidized under aqueous acidic conditions or by air over a longer time period.The method used to measure the concentration of vitamin C is called a reduction oxidation, known as redox, titration. Ascorbic acid reacts with iodine (I2) to create dehydroascorbic acid (C6H8O6) under acidic aqueous conditions:C6H8O6 (aq) + I2 (aq) à ¯Ã†â€™Ã‚ C6H6O6 (aq) + 2 I(aq) + 2 H+(aq) However, as iodine I2 is not very soluble in water, a complex created by aqueous iodine I2 (aq) and aqueous iodide anion I(aq) through the following reaction must be used.I2 (aq) + I(aq) à ¯Ã†â€™Ã‚ I3(aq) I3 is known as triiodide, which is much more soluble in water than iodine. The method used to create the triiodide is the reaction of aqueous iodate IO3(aq) with aqueous iodide I(aq) under acidic aqueous conditions as shown below.Reaction 1:IO3(aq) + 8 I(aq) + 6 H+(aq) à ¯Ã†â€™Ã‚ 3 I3(aq) + 3 H2O (l)              The reaction of water soluble starch, being a white solution, with triiodide gives a dark blue complex. This change of colour shows the end of the redox titration.The redox titration is using the reaction of aqueous triiodide I3 (aq) with aqueous ascorbic acid C6H8O6 (aq) to form aqueous dehydroascorbic acid C6H6O6 (aq) and aqueous iodide I(aq ) under acidic aqueous conditions.Reaction 2: C6H8O6 (aq) + I3 (aq) à ¯Ã†â€™Ã‚ C6H6O6 (aq) + 3 I(aq) + 2 H+(aq)                          The method used is an indirect titration, which means it measures the amount of triiodide remaining in the solution after having reacted with the ascorbic acid. Therefore an excess of aqueous triiodide I3 (aq) is needed.The excess aqueous triiodide I3 (aq) is reduced by aqueous thiosulfate S2O32- (aq) to create aqueous iodide I(aq) and aqueous tetrathionate S4O62- (aq) as shown below.Reaction 3:I3 (aq) + 2 S2O32- (aq) à ¯Ã†â€™Ã‚ 3 I (aq) + S4O62- (aq)                          As soon as all the triiodide is reduced to iodide, the colour changes from dark blue (the triiodide starch complex is dark blue) to white. The oxidation of ascorbic acid is a 1:1 reaction, meaning 1 mol of ascor bic acid requires 1 mol of triiodide to form 1 mol of dehydroascorbic acid, whereas the oxidation of thiosulfate is a 1:2 reaction, meaning 2 mol of thiosulfate can be oxidized to 1 mol tetrathionate by 1 mol of triiodide, all under acidic conditions in water. Knowing this one can calculate the amount of vitamin C in various tablets as long as all of them are readily soluble in water, meaning, for example, not coated.(CH 212 Quantitative Analysis. 1-2)Research Question What is the effect of the age of vitamin C tablets, expressed by the number of months elapsed after the expiry date, on the concentration in percentage weight of vitamin C in said tablets? Variables Variable Unit Range Method of measurement Independent:Number of months after expiry date of vitamin C Date withmonth, year 01/2009 = 92 months 09/2014 = 24 months 07/2015 = 14 months 04/2018 =  0 months The expiration date of the vitamin C tablet / sachet is written on the outer packaging Dependent: Concentration of vitamin C % weight 0 100% Content of vitamin C in mg per tablet is written on the outer packaging and measured through titration Controlled Variables Unit Possible effect(s) on results Method for control Number of tablets / sachets n/a Wrong weight of vitamin C Counting tablets / sachets Concentration of Sodium thiosulfate (Na2S2O3 (aq))Potassium iodate (KIO3 (aq)) mol/lmol/l Wrong concentration of vitamin C Titration with (KIO3 (aq)) Analytical scale Concentration of Starch Sodium carbonate Sulphuric acid g/l g/l mol/l No significant impact on dependent variable Analytical scale Analytical scale 50 ml measuring cylinder Concentration of Potassium iodide (KI (aq)) mol/l Wrong concentration of triiodide solution Analytical scale Materials 1 g of soluble starch 8 M (mol/l) sulfuric acid (H2SO4) pure Potassium iodide (KI), 95%, pure, DAB Potassium iodate (KIO3), p. A. EMSURE ® ACS, ISO, Ph Eurpure, DAB Vitamin C (ascorbic acid (C6H8O6))tablets or sachets (it is recommended to use colourless dissolvable products, otherwise the colour change will be difficult to see) Sodium thiosulfate pentahydrate (Na2S2O3 à ¯Ã¢â‚¬Å¡Ã‚ · 5H2O), 99,5%, pure, DAB Sodium carbonate (Na2CO3) 99,5%, pure, DAB Distilled water (H2O) Apparatus One 3 ml  ± 0,01 ml measuring pipette Two 250 ml  ± 5% beakers and two 500 ml  ± 5% beakers One 50 ml  ± 0,08 ml and one 100 ml  ± 0,1 ml measuring cylinder Two 500 ml  ± 0,2 ml volumetric flasks with a cork Three 250 ml Erlenmeyer flasks to be used for the titrations One 50 ml  ± 0,1 ml burette with stand and clamp for burette Two funnels, each with a diameter of 9,5 cm It is necessary to clean and rinse all glassware with distilled water beforehand to avoid impurities and contamination of solution used. One electric scale set in grams and preferably to four decimal places g  ± 0,1 mg to allow for maximum accuracy (available scale had two decimal places g  ± 10 mg) One magnetic stirrer, one stirring rod and a mortar with a pestle Small spoons, scalpels and cups, in total 5 of each Rubber gloves and safety glasses as the reactants used can irritate skin and eyes Method Preparation of starch indicator Fill a 250 ml beaker with 100 ml of distilled water, measured with a 50 ml cylinder. Weigh 1 g of soluble starch using the scale and a spoon. Add the starch to the beaker. Using the stirring rod, stir until dissolved. Every day a new solution should be made. Preparation of sodium thiosulfate Use a 100 ml measuring cylinder to fill 450 ml of distilled water into a 500 ml beaker. Weigh 0,05 g of Na2CO3 using the scale, a spoon, and a cup and add to beaker. Weigh 8,7 g of Na2S2O3 à ¯Ã¢â‚¬Å¡Ã‚ · 5H2O using the scale, a spoon, and a separate, equally clean small cup. Add to the same beaker. Dissolve the chemicals compounds through swirling the beaker. Once dissolved, pour the solution into a clean 500 ml volumetric flask and add distilled water up to exactly 500 ml. Seal it tightly with the cork. Label the solution as sodium thiosulfate. Keep the flask closed when not in use. Preparation of standard iodate solution Use a 100 ml measuring cylinder to fill 450 ml of distilled water into a 500 ml beaker. Weigh 1,01 g of KIO3 in a small, clean cup using the scale and a clean spoon. Pour the KIO3 into the 450 ml of distilled water. Swirl the beaker until the potassium iodate has completely dissolved. Once dissolved, pour the solution into a clean 500 ml volumetric flask and add distilled water up to exactly 500 ml. Seal it tightly with the cork. Label the solution as potassium iodate. Keep the flask closed when not in use. Standardising the sodium thiosulfate solution Set up the stand and clamp for the 50 ml burette. Fill the closed 50 ml burette with the previously prepared sodium thiosulfate solution using a clean funnel. It is vital that the burette contains precisely 50 ml. Using a 50 ml measuring cylinder pour exactly 50 ml of the KIO3 solution into a clean 250 ml Erlenmeyer flask. Weigh 2 g of KI in a small cup using the scale and a spoon. Place the KI into the flask. Add 5 ml of 8 M H2SO4 into the flask using a 50 ml measuring cylinder. Place the 250 ml Erlenmeyer flask onto a magnetic stirrer and begin stirring it. This is to ensure that all the reactants in the solution have reacted to form the triiodide molecule. The solution should have a dark red colour due to the presence of triiodide. Titrate the solution with sodium thiosulfate until the solution has lost most of its red, i.e. a light shade of yellow appears. Using the 3 ml measuring pipette, add 2 ml of the starch indicator to the solution. The starch is only added shortly before the end point of the titration as prior to this, the triiodide starch complex locks onto the triiodide and thus the triiodide might not react with the sodium thiosulfate. Continue titrating the solution until the solution has become colourless. Record the amount of ml of sodium thiosulfate solution used. Repeat the titration three times in order to obtain reliable values, as this titration tells us the exact concentration of sodium thiosulfate, which allows us to determine the amount of triiodide. Titration of ascorbic acid Use a 50 ml measuring cylinder to fill 15 ml of 8 M H2SO4 into a clean 250 ml Erlenmeyer flask used for titration. Using a 100 ml measuring cylinder add 75 ml of distilled water. Grind vitamin C tablets separately and thoroughly with a mortar and pestle. Put them into the flask and stir until fully dissolved. If needed, for example if part of the tablet is not soluble anymore, filter the solution by using a funnel and filter paper. Carefully pour the solution into a clean 250 ml Erlenmeyer flask used for titration. Using a 50 ml measuring cylinder pour 50 ml of KIO3 solution into the 250 ml Erlenmeyer flask used for the titration. Weigh 2 g of KI in a small cup using the scale and a spoon. Place the KI into the 250 ml Erlenmeyer flask used for the titration. At this point, the solution should develop a dark shade of red due to the presence of triiodide. Swirl the flask to make sure the reaction between triiodide and ascorbic acid has been completed. Set up the stand and clamp for the 50 ml burette. Place the 250 ml Erlenmeyer flask used for the titration onto a magnetic stirrer, and begin stirring it. This ensures that the vitamin C has truly completely reacted. Fill the closed 50 ml burette with sodium thiosulfate solution using a clean funnel. Ensure that the burette was cleaned beforehand and remove any excess solution. Begin titrating the triiodide solution with sodium thiosulfate. It should start out being red due to the presence of access triiodide. When the solution changes to a pale yellow, add 2 ml of the starch indicator using a 3 ml measuring pipette. Similar to the previous titration, the starch might hold onto the triiodide and prevent it from reacting with sodium thiosulfate. Continue titrating the solution until it has become colourless. Due to various colourings of the tablets, this might be an off-shade of white. Denote this volume as the end point of the titration. Repeat steps 21-31 for all tablets and sachets available. Each sample of tablets or sachets should be titrated at least five times in order to calculate a representative amount of vitamin C contained in the tablets. It is important to note that the flask containing the vitamin C solution and the magnet of the magnetic stirrer must be washed before each trial to avoid impurities. (CH 212 Quantitative Analysis. 5-7) Safety Considerations Make sure that safety glasses and gloves are used during the experiment. Appropriate safety clothes must be worn, like laboratory coats with long sleeves. Content of solutions prepared need to be clearly marked with water proof pencils and locked away in laboratory cupboards. Any solution not used anymore needs to be placed it appropriate waste disposal units. Neutralise any acids before disposing of them. Raw DataTable 1 shows the overview of all the samples used in the iodometric redox titrations. Sample ReferenceNumber Expiry date Months till Sep. 2016 Number of tablets/ sachets used Weight of tablet/sachet gstated by manufacturer Vitamin C in mg per tablet/sachet stated by manufacturer Vitamin C USP tablet 1 Jan. 2009 92 11 No value given 500 Heiße Zitrone sachet 2 Sep. 2014 24 1 10 180 Vitamin C Arancia tablet 3 Jul. 2015 14 2à ¢Ã‹â€ â„ ¢4 = 8 4,5 90 Vitamin C Zitrone tablet 4 Apr. 2018 0 10 4 180 Table 1: Samples used in the titrationTable 2 shows the volume of sodium thiosulfate required to titrate 50 ml of potassium iodate. Titration 1 Titration 2 Titration 3 Volume in ml of sodium thiosulfate solution 39,0  ± 0,1 38,6  ± 0,1 38,6  ± 0,1 Table 2: Volume of sodium thiosulfate solution Note: As the percentage uncertainty of titration 1 0,25% and titration 1 and 2 is 0,26%, these uncertainty are not taken into account, as there is very little impact on the results. Table 3 shows the results of all titrations of the vitamin C samples. Sample Number Volume in ml of sodium thiosulfate solution required to titrate remaining triiodide ( ± 0,1) 1 > 50 4,6 3,1 3,9 3,6 3,7 3,4 3,4 3,3 3,6 3,8 2 17,4 3 16,5 19,2 15,3 14,2 4 13,4 14,3 13 13,8 12,4 15,3 14,4 10,6 12,5 11,2 Table 3: Volume of sodium thiosulfate solution in ml used in the titrations It was observed that the colour changed from dark blue to a pale yellow as the sample was titrated due to the reaction of triiodide with thiosulfate. Calculations and Processed Results In order to find the percentage of vitamin C in each sample, one must calculate the exact concentration of sodium thiosulfate used in all titrations. 8,7 g Na2S2O3 à ¯Ã¢â‚¬Å¡Ã‚ · 5H2O with molar mass 248,2 g/mol in 500 ml water = 0,070109 mol/l S2O32 Molar ratio of the oxidation of S2O32- is S2O32-:I3 = 2:1 38,73 ml of 0,070109 mol/l S2O32- = 0,002715 mol S2O32- are oxidized by 0,001358 mol I3 Molar ratio of the creation of I3 is IO3: I3 = 1:3 0,001358 mol I3 = 0,000453 mol IO3 in 50 ml = 0,009051 mol/l IO3 Exact concentration of KIO3 = 1,01 g KIO3/500 ml = 0,009439 mol/l IO3 ∠´ Exact concentration of S2O32- is higher by a factor of 0,009439/0,009051 = 1,042911∠´ Exact concentration = 0,070109 à ¢Ã‹â€ â„ ¢ 1,042911 = 0,073117 mol/l S2O32- Table 4 shows the volume and concentration of sodium thiosulfate used. Titration Number ml Na2S2O3used ( ± 0,1) ml Na2S2O3arithmetic average Theoretical concentration Na2S2O3 mol/l Experimental/Exact concentrationNa2S2O3 mol/l 1 39,00 38,73  ± 0,3 2 38,60 0,070109 0,073117 3 38,60 Table 4: Calculation of concentration of sodium thiosulfate Note: As the uncertainty of 38,73 ml  ± 0,3 gives a percentage uncertainty of 0,77%, this uncertainty are not taken into account, as there is very little impact on the results. In knowing both the precise concentration of sodium thiosulfate and the volume needed to titrate the remaining triiodide, one can determine the concentration of vitamin C in each sample as there is an excess of KIO3 present in each titration. Reaction 2: C6H8O6 (aq) + I3 (aq) à ¯Ã†â€™Ã‚ C6H6O6 (aq) + 3 I(aq) + 2 H+(aq) Molar ratio of I3:C6H8O6 = 1:1           Molar ratio of IO3:I3 = 1:3           Molar ratio of IO3:C6H8O6 = 1:3 ∠´ 50 ml 0,009439 mol/l KIO3 = 0,000472 mol IO3 = 3 times more moles of vitamin C∠´ 0,000472 à ¢Ã‹â€ â„ ¢ 3 = 0,001416 mol vitamin C = 249,4 mg vitamin C Only the first sample had a theoretical maximum content of 500 mg, which is more than the 50 ml of 0,009439 mol/l IO3 solution can oxidize, that means no triiodide should have been left over and therefore the blue starch triiodide complex should not have been formed. However, in each titration a blue colour was visible. Therefore, the method applied was valid for all other titrations, otherwise the weight of the sample should have been reduced. Reaction 3:I3 (aq) + 2 S2O32- (aq) à ¯Ã†â€™Ã‚ 3 I (aq) + S4O62- (aq) Molar ratio of I3: S2O32- = 1:2 The arithmetic average of 10 titrations of the first sample is 3,64 ml of 0,073117 mol/l S2O32- used to titrate the remaining I3. 3,64 ml of 0,073117 mol/l S2O32- = 0,000266 mol S2O32- are oxidized by 0,000133 mol I3. After the reaction of 50 ml of 0,009439 mol/l IO3 solution with the vitamin C sample 0,000133 mol I3 were left over. Molar ratio of IO3:I3 = 1:350 ml 0,009439 mol/l IO3= 0,000472 mol IO3 = 0,001416 mol I3 0,001416 mol I3 at the start of the reaction 0,000133 mol I3 found after the reaction = 0,001283 mol reacted with vitamin C Molar ratio of I3:C6H8O6 = 1:10,001283 mol I3 = 0,001283 mol C6H8O6 = 0,001283 mol à ¢Ã‹â€ â„ ¢ 176,1 g/mol = 225,9 mg vitamin C 500 mg vitamin C = 100% and 225,9 mg vitamin C = 45,19% active content. This method is applied to all results. Table 5 shows the results of titrating the four different vitamin C samples. Sample 0,073117 mol/l Na2S2O3 solution in ml used Tablets/ Sachet Vitamin C (mg) Vitamin C Age No. Arithmetic average/Number of titrations Standard deviationÃÆ' No. used in titration Written on packaging Found via titration % found via titration Months expired 1  3,64 / 10 0,41 1 500 226 45,19 92 2 17,40 / 1 1 180 137 76,30 24 3 16,30 / 4 2,15 2  90 144 80,24 14 4 13,09 / 10 1,39 1 180 165 91,72 0 Table 5: Calculated and measured results of titration of Vitamin C samplesMonths expired is the time elapsed between the expiry date and the month of the laboratory work in September 2016. The first titration of sample 1 (see table 3) was an outlier and not considered when calculating the arithmetic average and standard deviation. Only one sachet of sample 2 was available, thus not allowing to calculate average and standard deviation. Graph 1 shows the percentage of Vitamin C found and the age of the tablets and sachet used.Graph 1:Correlation of concentration of Vitamin C versus number of months expired Graph 2 shows that the reliabilty of the result depends on the number of titrations carried out. The variation of the results is two times standard deviation ( ± 2 ÃÆ'). Graph 2: Concentration of vitamin C and error bar of  ± 2 ÃÆ' (sample 2 was only titrated once, thus no standard deviation can be calculated) Assuming that the results are following a normal distribution, 95,4% of the titrations are within the  ± 2 ÃÆ' range as shown above. Thus, the results are accepted for sample 1, 3 and 4. Conclusion and EvaluationThe results show that the vitamin C content decreases over time. This is demonstrated in graph 1, as the slope is -0,048. The coefficient of determination is 0,989, which is close to 1 and therefore shows a strong linear correlation. This means the results clearly demonstrate that as the number of months expired increases, the concentration of vitamin C decreases. These findings are supported by research of the Applied Sciences Department at the Osun State Polytechnic in Iree, Nigeria, published in 2012. (Oyetade 22) High temperature, exposure to air and sunlight accelerate the oxidation of vitamin C. Thus, the oldest sample shows the highest reduction in percentage concentration of vitamin C with 45,19%, less than half. This means that my father should buy new vitamin supplements, and no longer use his old ones, which were sample 1. Strengths: The method of investigation delivers fast results, does not require expensive equipment, and works with chemicals th at are neither very toxic nor extremely harmful to the environment. A clear relationship between the variables was demonstrated and due to relatively low standard deviation, the results are accepted. Weaknesses: Potential errors were detected. Only one sachet of sample 2 was available, thus not meeting the minimum criteria of at least 3 titrations of each sample. It is also possible that not all the triiodide reacted with the sodium thiosulfate (see step 18 in methodology). In terms of method, the equipment used was not precise enough, causing possible systematic errors. Instead of a measuring cylinder a volumetric pipette should have been used as well as a high precision scale  ± 0,1 mg. Not all samples were easily soluble in water and produced a clear and colourless solution, thus the end of titration was difficult to notice, leading to inaccuracies. The thiosulfate and iodate solutions should not have been stored over a long time exposed to uncontrolled temperature and day ligh t. All titrations should either have been done in one day or the titrants should have been stored in a cool and dark place. Works Cited CH 212 Quantitative Analysis. Philadelphia: La Salle University, n.d. PDF Oyetade, O. A., G. O. Oyeleke, B. M. Adegoke, and A. O. Akintunde. Stability Studies on Ascorbic Acid (Vitamin C) From Different Sources. N.p.: IOSR Journal of Applied Chemistry (IOSR-JAC), Sept.-Oct. 2012. PDF.
Friday, October 25, 2019
Vertigo Essay -- essays research papers fc
VERTIGO      Alfred Hitchcock’s Vertigo is a thrilling film filled with mystery and suspense. However, Hitchcock left many unsolved issues at the end of this film. In contrast, when comparing Vertigo to more recent films of similar genre’, mysteries are usually always solved and thoroughly explained by the end of the film. Ironically, Hitchcock’s failure to explain everything to the audience in Vertigo is one of the film’s best attributes. This lack of knowledge allows the viewer to use their own imagination and speculate as to what might or might not have become of certain characters.      Vertigo boasted several different themes. However, the â€Å"Ideal Woman – Lost†theme was the most prevalent (â€Å"Handout #1†). This theme was brought on by an obsessed â€Å"everyman†type. Jimmy Stewart, otherwise known as Scottie in the film, played this â€Å"everyman†type whose personality was maliciously twisted into an overly obsessive man. His cause for obsession was a beautiful, young woman played by Kim Novak, known as both Madeleine and Judy in the film. Madeleine drew Scottie in so deep, that he literally became a different person. This film mirrored Hitchcock’s personal feelings and was considered to be his favorite film.           While there are many scenes that prove the above theme, the following are three specific scenes that clearly spell out Scottie’s obsession. The scene where Scottie was sitting in his car alone after dropping Midge off at her home is a good first example. Midge and Scottie had just spent an afternoon together researching Carlotta Valdes’ history. Before Midge got out of the car she told Scottie, much to his dismay, that she was going view Carlotta’s portrait at the museum. As soon as Midge got out of the car, Scottie pulled out his brochure from the museum and turned to the page that hosted Carlotta’s portrait. As he stared at her picture for several moments, he began to visualize Madeleine’s face. Clearly this was one of the first signs of his growing obsession. An old college buddy hired Scottie to follow his wife, Madeleine, to discover where she was â€Å"wandering†off to. However, this job was consuming his life and S cottie was developing a serious intrigue for Madeleine, a very mysterious woman.      Another good exam... ...of a character. Hitchcock does an excellent job at relaying Scottie’s swelling obsession to his viewers. Visualizing Madeleine while Scottie was looking at the picture of Carlotta, his invasion of Madeleine’s personal space, a so-called stranger, and whispering her name, and then trying to makeover Judy into another person who is supposedly dead are all very apparent signs of obsession. These signs successfully show the viewer that Scottie is thoroughly engrossed with his subject, Madeleine, who had been â€Å"lost†. The viewer is left to assume that Scottie will be unable to return to the emotionally stable person he was before the obsession took control of his life. Alfred Hitchcock was definitely ahead of his time and paved the way for many film-makers to learn from and expand on his expertise of being able to reach an audience, capture their attention, and make the audience feel what the characters are feeling. Works Cited Handout #1: Alfred Hitchcock & Notes on Vertigo Giannetti, Louis. Understanding Movies. 8th ed. New Jersey: Simon & Schuster, 1999. Stewart, James, perf. Vertigo. Dir. Alfred Hitchcock. Perf. James Steward, Kim Novak. Universal Pictures, 1958.
Thursday, October 24, 2019
Risk Management: New Challenges and Opportunities for Insurance Sectors
Risk management can be described as like the other management procedures of identification, assessment and prioritization of risk. Actually risk management is very much equal to walking on the rope. As defined in ISO 31000 the effect of uncertainty on objectives whether it positive or negative. Risks can come from uncertainty in financial markets, project failures, legal liabilities, credit risk, accidents, natural causes and disasters as well as deliberate attacks from an adversary. Risk Analysis Risk analysis is the process of systematically identifying and assessing the potential threats and uncertainties that occur when trying to achieve a certain goal (such as completing a project), and then finding a reasonable strategy for most efficiently controlling these risks. Risk analysis also helps to define preventive measures to reduce the probability of these factors from occurring and identify countermeasures to successfully deal with these constraints when they develop to avert possible negative effects on the competitiveness. Insurance The most common tool used in risk management is insurance. Besides the standard health, life, and possibly disability insurance, we have to look at the types of liability and property insurance that may we need. Specialized insurance for particular risks in business can also be necessary. For instance, in an industry a chemical component is used in production process, they need special toxic risk insurance. A sense of security may be the next basic goal after food, clothing, and Shelter. An individual with economic security is fairly certain that he can satisfy his needs (food, shelter, medical care, and so on) in the present and in the future. Economic risk (which we will refer to simply as risk) is the possibility of losing economic security. Most economic risk derives from variation from the expected outcome Need for awareness on insurance products Life insurance and general insurance have more products to facilitate the customer needs. According to most of the surveys individual lack the awareness, literacy and skills to adequately assess their needs for financial and social protection and to choose appropriate insurance services. Raising awareness and educating on individuals are challenging priorities for research studies. Because of trends towards increased responsibility of the individuals for the management of risks and coverage, as well as consequences wrong or inappropriate decisions. The education process in the insurance sector involves different types of stake holders’ insurance authorities, insurance entities and intermediaries, other insurance providers, distributors, NGOs and customers themselves. Importance of insurance Importance of insurance is definitely increasing and expanding. Households should be encouraged and provided with the possibilities to enhance their awareness, responsibility to the coverage of their overall risk exposure as well as their understanding the knowledge of insurance products. Yet little research has been undertaken on this subject. With in a frame work of general financial education insurance subject is being handled. Better understanding of financial products can be given to potential consumers. Evaluation of risk in new areas of personnel insurance Increase in perceived and real risk. Emerging catastrophic bond markets shows the rise in risk levels. The range of conventional and new large scale risks seems to have expanded and their frequency has increased. They included risk related to industrial (Bhopal), natural (earthquakes, floods), terrorist attacks, new technologies risks (cyber crimes), Health risk against new diseases. Enhanced needs and demand for risk coverage: Broad increase in savings interest of population started investing in assets like houses, buying materials like gold, investment in financial markets have to be protected. The relative complicity and heterogeneity of insurance products develops confusion among the non expert consumers, as they need insurance. Existing products and new age products have to be updated to the present scenario. Responsibility of the insurance companies to get the feed back from the consumers. Know the difficulties in getting their service. Short term mindset of consumer does not encourage them to get long term coverage. Various studies will help the sectors to study the consumer’s knowledge about the insurance products. Tools like the number of complaints received from the customers, questionnaires to collect the position of the consumer can be used. Innovation of Insurance opportunities in capital markets The capital market risk usually defines the risk involved in the investments. The stark potential of experiencing losses following a fluctuation in security prices is the reason behind the capital market risk. During the global financial turmoil of 2007 and 2008, the stocks were worst affected, even well performing stocks are also beaten up. This is a characteristic feature of capital market. How ever in the time of market fluctuation and turbulence volatile seasons investors losing their hard earned money. Loss occurred to the investors makes the disbelief in capital market and views the market as a gambling spot. Resulting further investment in capital markets by them is stopped. Stock market has to search for another investor. The interest of protecting the investment of the investor is maintained by SEBI and Government of India through its policies, guidelines and certain regulations. Monitoring the markets fraudulent, watc hing the short selling, bulk Purchase, inside trading, etc†¦.and helps logically to protect the investors by legitimately. Apart from SEBI and government interest some professional system has to emerge for protecting investments. Many researches have to be done to provide an insurance system or scheme to capital market securities. Financial innovation has allowed many types of risk to become more tradable including like credit, interest rate, foreign- exchange risk and equity. Risk transfer and a new system for protecting investments of investors in capital market securities have to be analyzed. Emerging capital markets needs investments in a continuous mode. Then only corporate of India can adventure into expansions, mergers and acquisitions to proceed their plan for development. Recent turmoil experienced that no IPO issue got success and others likely to issue IPO is delayed. Financial risk transfer and transparency have been dominant themes since the World War II. Insurance risk comes in many varieties and also segmented into broad categories e.g. life, mortgages, car loan, assets against theft, fire, flood, earth quake, corps. Financial innovation has allowed many type of risk to become tradable including credit, interest rate, foreign exchange risk. The potential market is vast, with total premiums of all the world’s insurers equaling to US$ 4.1 trillion. Most insurance are asset based securities. Treating the investments of securities in capital market as a product and providing insurance as like other risk class is the idea behind the research. Increasing trend in insurance linked securities attracted the research concept. CAT bonds were issued against catastrophic risks such as windstorms, (hurricanes, typhoons) and earth quakes. These serve as collateralized protection for extreme event risk at a multi year fixed price. Industry loss warranties, CAT bonds, cat swaps are triggered by specific indexes. The purpose of the research is to extent insurance linked securities concept and providing an insurance coverage at a premium for expected loss. All progress is born of inquiry. Doubts is often better than overconfidence, for it leads to inquiry leads to invention†-Hudson maxim Any research on this topic will give a better beginning of new innovation to one of the financial market instrument of capital market. Financial institutions, government funds and large retail participants from house hold savings floods the funds to capital market. Further more the inventions to the betterment of the system will bring the trust in the mind of investor. The capital market provides both overnight and long term funds and uses financial instruments with long maturity periods. The following financial instruments are traded in this market are Foreign exchange instruments, Equity instruments, Insurance instruments, Credit market instruments, Derivative instruments. This research deals for the investments in equity stocks. Insurance and Reinsurance Insurance companies are in the business of assuming risks from individuals or companies. They manage those risks by diversifying over a large number of policies, Perils and geographic regions. A particularly difficult problem is the management of risk from high severity, low probability events (catastrophe risk, or â€Å"CAT†risk), such as that posed by major earthquakes or hurricanes. The risk from low severity, high probability events (for example, auto collision or medical insurance) can be diversified by writing a large number of similar policies. Suppose that the insurer charges a premium equal to the expected average annual loss and has a very large number of policies. By the law of large numbers, it can expect to pay out approximately this amount in claims in each year. Under the CAT bond scenario, investors purchase the bond and exchange a principal payment now for future coupon (interest) and principal payments. These payments are contingent on loss experience or the occurrence of a specified catastrophic event. If the bond is not triggered, the investor receives full coupon and principal payments over the life of the bond. If the bond is triggered, the investor may lose the right to future coupon payments, principal payments or both, depending on the type of bond Methodology 1. Formulating the research problem and extension of literature survey. Selecting the securities for investigation from NSE India from Nifty stocks in which investment is going to be insured. Collecting data for period ten years from web sites of NSE and several associated agencies for the frequency of peeks and deeps of price movements. Comparing the data with existing technical analysis theories for trigger price calculating. For the same period of time fundamental analysis has to be done for the same stock. Knowing stability and financial performance of the stock then correlating the both analysis and finding the stocks for making model. . 2. Development of working hypothesis& Building model. After extensive literature survey a model has to be build. Testing for hypotheses for the formula arrived. Development of working by hypotheses is to be state in clear terms. Working hypothesis is intensive assumption made in order to draw out and test its logical or empirical consequences. Conclusion The contribution that the research should make an exposure to the insurance companies to concentrate and find possibilities to take the investment made in capital market as product. By two ways this research will benefit the society one is protecting the investment of the investor by which building the trust and make the continuous investment in capital market through that the market may get regular in flow of funds. Another is new business emerged to the insurance companies. Reference http://finance.mapsofworld.com/primary-market/problems-indian.html
Wednesday, October 23, 2019
BLR Savings Project P
Data Code of Conduct We, in our dealings, are self-regulated by a Code of Conduct as enshrined In the Data Code of Conduct. We request your support In helping us adhere to the Code In letter and split. We request that any violation or potential violation of the Code by any person be promptly brought to the notice of the Local Ethics Counselor or the Principal Ethics Counselor or the CEO of TTS. All communication received in this regard will be treated and kept as confidential. 2 Table of Content 4 2. Project 3. Scope of 4. Suggested Solution by TTS 6 5. Technology and Tools ? 7 6.Facts and 9 7. Highlights . 8. Benefits to the Customer ? 3 The customer is one of the leading financial services companies in the United Kingdom (I-J). They have over 7. 5 million people investing in various life assurance, pension, investment and general insurance plans. This is one of Auk's top 50 companies in the Financial Times and Stock Exchange (FETES) Index and its operations are spread across the wo rld, mainly in the United States (US), France, Netherlands, Germany and I-J. This leading financial services company makes financial security easier to achieve for millions of people.Through the range of general insurance and protection products that the company offers, it helps protect lives, health, homes and belongings of millions of people. 2. Project Background The customer, based in the I-J, has entrusted Data Consultancy Services (TTS) with the task of managing the today-day IT operations of various business units. This engagement aims to deliver administration services of high quality to the customer's Wealth Business Unit at reduced costs, increased efficiency and reduced time to deliver projects. The following systems form a part of the Wealth Delivery Unit: Future ProductFramework The Future Product Framework (OFF) system plays a central role in the customer's Pension and Investment business and in the customer's strategic Pensions and Bonds administration system. OFF was implemented in 1999. It was designed to provide flexibility in products to meet customer requirements. OFF is a rules and derivative system and has the capability to launch products to the market quickly. UNIt Linked PENsion UNIt Linked PENsion (UNEVEN) is the customer's legacy system that was developed in- house and was originally implemented in 1980.Since 2001, many of its functions eve been replicated within the newer OFF system, and as a consequence almost all new pension contracts are set up on OFF rather than on UNEVEN. Some parts of UNEVEN have been replaced by separate applications such as Individual Pension Claims (PC) and Pensions Increments (PINCH). PC The PC is an online system that enables the creation, maintenance, and printing of Personal and Corporate pension quotations based on the customer pension plans. This system handles retirement, death and transfer out. It is predominately an online system. Quotation documents are composed using SF. PC was implemented in 199 2.PINCH The PINCH system was built to replace the existing UNEVEN renewal routines and to provide dados Benefit Statements and online illustrations. It is primarily used to produce Benefits Statements and Incremental Illustrations for Individual and Occupational Pensions. It was implemented in 1994. Group Pensions The Group Pensions system handles the administration of the following pension products: POP, POP and the Group Pension schemes with respect to maintaining member records and renewal processing. It also administers the settlement of claims for deaths and retirements, including producing claim quotations. ValuationsThe Valuations system performs the valuation of policies across various applications within this account to finally arrive at a valuation of customer's business. Agency, Customer, Finance and Healthcare These systems coordinate with the business to align with the business with respect to Agency and customer details. 5 3. Scope of Work The scope of this engagement is to provide application development and maintenance services across both the legacy and strategic systems of the customer's Wealth Business Unit. TTS provides the following services to the Wealth Business Unit: Management of all the phases of the project lifestyle
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