11,216 research outputs found

    Resolving Issues In Business Income Insurance Resulting From Government Mandated Shutdowns During Declared Public States of Emergency

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    The COVID-19 Pandemic brought forth an unprecedented time in American history. As the pandemic first rolled through the country businesses were required, by government order, to shut down. As a result, these businesses lost large amounts of revenue and turned to their commercial insurance policies to fill the gap. However, the insurance industry had planned well for such situations and denied coverage on a large majority of claims. This research analyzes the reasons why insurance companies specifically wrote coverage exclusions for pandemic related events among other potentially catastrophic loss categories. Particular attention is paid to the seven principles of insurance, which guide the solvency of different insurance policy coverages. Following the denial of coverage by insurers many business owners took the decisions to the court system. This research analyzes the legal arguments and court decisions made during the appeal of businesses to the courts for coverage denials. Analysis of existing insurance law in the state of Ohio and the decisions made by the courts in these cases allows for better understanding of insurance contracts and actions that can be taken in the future. Despite business owners' best efforts, the courts continued to turn down these legal challenges, and businesses were left empty handed. There were many different actions taken by different entities to help remedy these issues. The Insurance Services Office (ISO), the leading organization governing commercial insurance, offered a new line of endorsements, but these were minimal in scope and ultimately did not provide much in the ways of recovery for business owners. Several states and the federal government proposed various forms of legislation for supporting businesses, but few of these bills made it into codified law. Of the few that made it through, they were entirely retroactive, and so their actual functionality was very limited. By researching these proposals as well as existing government-backed insurance programs, this research creates a new policy proposal to proactively manage events that take place during declared public states of emergency in the state of Ohio. This research will provide methods for solving business interruption issues for pandemics and other similar potentially catastrophic events. This research extends the coverage proposal to include shutdowns required by declared states of emergency in the state of Ohio.No embargoAcademic Major: Insuranc

    Corporate Social Responsibility: the institutionalization of ESG

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    Understanding the impact of Corporate Social Responsibility (CSR) on firm performance as it relates to industries reliant on technological innovation is a complex and perpetually evolving challenge. To thoroughly investigate this topic, this dissertation will adopt an economics-based structure to address three primary hypotheses. This structure allows for each hypothesis to essentially be a standalone empirical paper, unified by an overall analysis of the nature of impact that ESG has on firm performance. The first hypothesis explores the evolution of CSR to the modern quantified iteration of ESG has led to the institutionalization and standardization of the CSR concept. The second hypothesis fills gaps in existing literature testing the relationship between firm performance and ESG by finding that the relationship is significantly positive in long-term, strategic metrics (ROA and ROIC) and that there is no correlation in short-term metrics (ROE and ROS). Finally, the third hypothesis states that if a firm has a long-term strategic ESG plan, as proxied by the publication of CSR reports, then it is more resilience to damage from controversies. This is supported by the finding that pro-ESG firms consistently fared better than their counterparts in both financial and ESG performance, even in the event of a controversy. However, firms with consistent reporting are also held to a higher standard than their nonreporting peers, suggesting a higher risk and higher reward dynamic. These findings support the theory of good management, in that long-term strategic planning is both immediately economically beneficial and serves as a means of risk management and social impact mitigation. Overall, this contributes to the literature by fillings gaps in the nature of impact that ESG has on firm performance, particularly from a management perspective

    Climate change on rural women in East Africa: analysis of consequences and recommendations from a gendered approach

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    Climate change affects people and regions differently. The East Africa region is one of the most affected by the changes in the climate. There, women, especially the most marginalised and disadvantaged, are the most impacted, in many ways. Despite being the most heavily burdened, rural women are underrepresented and overlooked in tackling weather change. This can be changed by adopting a gender perspective that empowers women. This would allow them to improve their lives exponentially and to become key actors in mitigating and adapting to climate change effectively

    The ageing Caribbean: 20 years of the Madrid Plan of Action

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    This report assess the situation of older persons and reviews the actions taken in Caribbean countries and territories, particularly over the past five years, to implement the Madrid International Plan of Action on Ageing and related regional agreements. It contributes to the global and regional reviews of the Plan of Action, 20 years on from its adoption in 2002, and includes recommendations to further address population ageing and the rights of older persons in the Caribbean.Abstract .-- Introduction .-- I. Ageing, economic security and public policy .-- II. Ageing, health and care .-- III. Enabling and supportive environments .-- IV. Conclusions and key recommendations

    Examples of works to practice staccato technique in clarinet instrument

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    Klarnetin staccato tekniğini güçlendirme aşamaları eser çalışmalarıyla uygulanmıştır. Staccato geçişlerini hızlandıracak ritim ve nüans çalışmalarına yer verilmiştir. Çalışmanın en önemli amacı sadece staccato çalışması değil parmak-dilin eş zamanlı uyumunun hassasiyeti üzerinde de durulmasıdır. Staccato çalışmalarını daha verimli hale getirmek için eser çalışmasının içinde etüt çalışmasına da yer verilmiştir. Çalışmaların üzerinde titizlikle durulması staccato çalışmasının ilham verici etkisi ile müzikal kimliğe yeni bir boyut kazandırmıştır. Sekiz özgün eser çalışmasının her aşaması anlatılmıştır. Her aşamanın bir sonraki performans ve tekniği güçlendirmesi esas alınmıştır. Bu çalışmada staccato tekniğinin hangi alanlarda kullanıldığı, nasıl sonuçlar elde edildiği bilgisine yer verilmiştir. Notaların parmak ve dil uyumu ile nasıl şekilleneceği ve nasıl bir çalışma disiplini içinde gerçekleşeceği planlanmıştır. Kamış-nota-diyafram-parmak-dil-nüans ve disiplin kavramlarının staccato tekniğinde ayrılmaz bir bütün olduğu saptanmıştır. Araştırmada literatür taraması yapılarak staccato ile ilgili çalışmalar taranmıştır. Tarama sonucunda klarnet tekniğin de kullanılan staccato eser çalışmasının az olduğu tespit edilmiştir. Metot taramasında da etüt çalışmasının daha çok olduğu saptanmıştır. Böylelikle klarnetin staccato tekniğini hızlandırma ve güçlendirme çalışmaları sunulmuştur. Staccato etüt çalışmaları yapılırken, araya eser çalışmasının girmesi beyni rahatlattığı ve istekliliği daha arttırdığı gözlemlenmiştir. Staccato çalışmasını yaparken doğru bir kamış seçimi üzerinde de durulmuştur. Staccato tekniğini doğru çalışmak için doğru bir kamışın dil hızını arttırdığı saptanmıştır. Doğru bir kamış seçimi kamıştan rahat ses çıkmasına bağlıdır. Kamış, dil atma gücünü vermiyorsa daha doğru bir kamış seçiminin yapılması gerekliliği vurgulanmıştır. Staccato çalışmalarında baştan sona bir eseri yorumlamak zor olabilir. Bu açıdan çalışma, verilen müzikal nüanslara uymanın, dil atış performansını rahatlattığını ortaya koymuştur. Gelecek nesillere edinilen bilgi ve birikimlerin aktarılması ve geliştirici olması teşvik edilmiştir. Çıkacak eserlerin nasıl çözüleceği, staccato tekniğinin nasıl üstesinden gelinebileceği anlatılmıştır. Staccato tekniğinin daha kısa sürede çözüme kavuşturulması amaç edinilmiştir. Parmakların yerlerini öğrettiğimiz kadar belleğimize de çalışmaların kaydedilmesi önemlidir. Gösterilen azmin ve sabrın sonucu olarak ortaya çıkan yapıt başarıyı daha da yukarı seviyelere çıkaracaktır

    The feminisation of poverty: A study of Ndau women of Muchadziya village in Chimanimani Zimbabwe

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    Poverty statistics in many countries of the developing world, with Zimbabwe being no exception, continue to show a gender-skewed trend, with women more than men increasingly being more affected. This is worrying, considering the fact that it is women who are the majority, and they carry the brunt of the burden for most household duties. Zimbabwe adopted the Sustainable Development Goals (SDGs), and yet women continue to be hit hard by poverty. This was a qualitative study involving interviews and focus group discussions with 58 purposively sampled participants from Muchadziya village to determine the extent to which women in Muchadziya village are contributing towards sustainable development in Zimbabwe. The aim of this article, was to explore the ways in which women in Muchadziya village are contributing towards the alleviation of poverty. In the process, they will be contributing towards the attainment of some of the SDGs, such as the ones focusing on ending poverty in all its forms everywhere (SDG 1) and ending hunger, achieving food security and improved nutrition and promoting sustainable agriculture (SDG 2). Using Africana womanism theoretical framework, the article maintained that African women should be perceived as agents, not subjects, of development and transformation in their communities. Findings indicated that women in Muchadziya village are selling various products and have sought markets in Beitbridge, Gweru and Zvishavane to sell them; others have set up shops and flea markets, and others make use of the land even though they do not own it to produce farm products to fight against poverty. The study concluded that women, despite being in difficult circumstances, are capable of contributing towards the achievement of the SDGs, particularly SDG 5 focusing on women’s empowerment and attaining gender equality. It is therefore recommended that women be given the necessary support to achieve more. Contribution: In a context where women are the most affected by poverty, Ndau women have proven that they can be agents of change by contributing towards the achievement of SDGs such as ending poverty in all its forms, zero hunger, education, gender equality and women’s empowerment and water and sanitation. Not much scholarly attention has been paid to the agency of women in Chimanimani in enhancing Zimbabwe’s sustainable development. This gap in literature might be influenced by the fact that African women, particularly women in rural areas, are perceived as beneficiaries or recipients of aid or development initiatives. As such, most programmes mainstreamed by aid or donor agencies in Africa have a specific focus on distributing aid to women and girl-children. Unfortunately, such programmes rarely seek to capacitate or empower their beneficiaries; hence, their interventions eventually disempower the intended beneficiaries

    Wooster Magazine: Spring 2023

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    The spring 2023 issue of Wooster magazine features alumni influencing change in their communities around the world, including John Carwile ’81, career member of the U.S. Foreign Service; Rashmi Ekka ’08, international development consultant; Samira El-Adawy ’13, Special Olympics youth manager in the Middle East and North Africa; Ishtiaq Ghafoor ’00, a diplomat with the British Foreign Service; Sarah Haile ’03, a biostatistician at University of Zurich; Kurt Russell ’94, 2022 National Teacher of the Year; and Lauren Vargo ’13, climate change researcher in New Zealand. Also featured are students who have attended the annual Athens Democracy Forum for the past five years and recent international graduates taking advantage of opportunities to gain experience in STEM fields. The issue also includes an interview with Wooster’s incoming 13th president, Dr. Anne McCall.https://openworks.wooster.edu/wooalumnimag_2011-present/1045/thumbnail.jp

    L’Asie du Sud-Est 2023 : bilan, enjeux et perspectives

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    Chaque année, l’Institut de recherche sur l’Asie du Sud-Est contemporaine (IRASEC), basé à Bangkok, mobilise une vingtaine de chercheurs et d’experts pour mieux comprendre l’actualité régionale de ce carrefour économique, culturel et religieux, au cœur de l’Indo-Pacifique. Cette collection permet de suivre au fil des ans l’évolution des grands enjeux contemporains de cette région continentale et archipélagique de plus de 680 millions d’habitants, et d’en comprendre les dynamiques d’intégration régionale et de connectivités avec le reste du monde. L’Asie du Sud-Est 2023 propose une analyse synthétique et détaillée des principaux événements politiques et diplomatiques, ainsi que des évolutions économiques, sociales et environnementales de l’année 2022 dans chacun des onze pays de la région. Ce décryptage est complété pour chaque pays par un focus sur deux personnalités de l’année et une actualité marquante en image. L’ouvrage propose également cinq dossiers thématiques qui abordent des sujets traités à l’échelle régionale sud-est asiatique : les ressorts institutionnels de l’approche de santé intégrée One Health, le vieillissement de la population et sa prise en compte par les politiques publiques, les câbles sous-marins au cœur de la connectivité sud-est asiatique, l’aménagement du bassin du Mékong et ses multiples acteurs, et les enjeux politiques et linguistiques des langues transnationales. Des outils pratiques sont également disponibles : une fiche et une chronologie par pays et un cahier des principaux indicateurs démographiques, sociaux, économiques et environnementaux

    The development of the Kent coalfield 1896-1946

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    One of the unique features of the Kent Coalfield is that it is entirely concealed by newer rocks. The existence of a coalfield under southern England, being a direct link between those of South Wales, Somerset and Bristol in the west and the Ruhr, Belgium. and northern France in the east, was predicted by the geologist R. A. C. Godwin-Austen as early as 1856. It was, however, only the rapid increase in demand for Britain's coal in the last quarter of the nineteenth century that made it worth considering testing this hypothesis. The first boring was made in the years 1886-90, and although it discovered coal, this did not in itself prove the existence of a viable coalfield. This could be done only by incurring the heavy cost of boring systematically over a wide area. As the financial returns from such an undertaking were uncertain, it was not surprising that in the early years, around the turn of the century, a dominant role was played by speculators, who were able to induce numerous small investors to risk some of their savings in the expectation of high profits. As minerals in Britain were privately owned, the early pioneer companies not only had to meet the cost of the exploratory borines, but also, if they were not to see the benefit of their work accrue to others, lease beforehand the right to mine coal from local landowners in as much of the surrounding area as possible. This policy was pursued most vigorously by Arthur Burr, a Surrey land specula tor, who raised capital by creating the Kent Coal Conoessions Ltd. and then floating a series of companies allied to it. Burr's enterprise would probably have been. successful had it not been for the water problems encountered at depth in -v- the coalfield. As a result, the Concessions group found itself in control of most of the coalfield, but without the necessary capital to sink and adequately equip its 01ffi collieries. By 1910, however, the discovery of iron ore deposits in east Kent, coupled with the fact that Kent coal was excellent for coking purposes, began to attract the large steel firms of Bolckow, Vaughan Ltd. and Dorman, Long & Co. Ltd. in to the area. The First World War intervened, however, to delay their plans, and to provide an extended lease of life to the Concessions group, which, by the summer of 1914, was facing financial collapse. By the time Dorman, Lone & Co, in alliance with Weetman Pearson (Lord Cowdray), had acquired control over the greater part of the coalfield from the Concessions group, not only was the country's coal industry declining, but so was its steel industry, which suffered an even more severe rate of contraction during the inter-war years. As a result, Pearson and Dorman Long Ltd. was forced to concentrate just on coal production, and this in turn was hampered not only by the water problems, but also by labour shortages and the schemes introduced by the government in 1930 to restrict the country's coal output, in an attempt to maintain prices and revenue in the industry. Nevertheless, production did show a substantial increase between 1927 and 1935, after which it declined as miners left the coalfield to return to their former districts, where employment opportunities were improving in the late thirties. Supporting roles were played in the inter-war years by Richard Tilden Smith, a share underwriter turned industrialist with long standing interests in the coalfield, who acquired one of the Concessions group's two collieries, and by the Powell Duffryn Steam Coal Co. Ltd., which through subsidiary companies, took over the only colliery to be developed by a pioneer company outside the Concessions group. The impossibility of Kent coal, because of its nature, ever gaining more than token access to the more lucrative household market, and then the failure of the local steel industry to materialise meant that the -vi- companies had to develop alternative outlets for their growing outputs. Although nearness to industrial markets in the south-east of England did confer certain advantages were poor consolation for the hoped for developments of either the early pioneers or the later industrialists. Instead of the expected profits, the companies mostly incurred losses, and only the company acquired by Powell Duffryn ever paid a dividend to its shareholders in the years before nationalisation. From the point of view of the Kent miners, the shortage of labour in the coalfield, particularly in the years 1914-20 and 1927-35, was to an important extent responsible for their being amongst the highest paid in the industry. At the same time the more favourable employment opportunities prevailing in Kent compared with other mining districts enabled the Kent Nine Workers Association to develop into a well organised union, which on the whole was able to look after the interests of its members fairly successfully. Throughout the period 1896 to 1946 the Kent Coalfield existed very much at the margin of the British coal industry. Its failure to develop substantially along the lines envisaged by either the early pioneers or by the later industrialists meant that its importance in national terms always remained small
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