Harley Davidson PESTLE Analysis

Harley Davidson PESTLE Analysis This section of the report is concerned with understanding the strategic position of Harley Davidson Inc. in an attempt to formulate strategic options for the company. It identifies three areas: First the changes that is occurring in the environment and how these changes affects H-D and its business activities. Second the resource strength and capabilities of H-D. Finally the expectations and influences of H-Ds stakeholders. THE ENVIRONMENT In order to understand the environment which H-D operates in the following frameworks are used with the aim of helping to identify key issues and challenges and ways of coping with complexity and change. PESTLE ANALYSIS In 2009 H-D stood to gain from the Economic Stimulus Package, passed into legislation by the Barack Obama Administration. The federal stimulus package gives taxpayers breaks if they purchase a new car, light truck, RV, or motorcycle.(Wachter, 2009). In addition, Coachman industries also a manufacturer of leisure vehicles, and a competitor of H-D was eliminated from the New York Stock Exchange. According to the Datamonitor report the Motorcycle Industry segment has had economic growth for the past three years, and has only recently been experiencing decline. In 2007 it declined 2.3%, yet is forecasted to recover 4.3% by 2012. An economic factor in favor of H-D, despite this decline, is that the U.S. industry generated total revenues of $10.2 billion in 2007, of which 98.8% were of motorcycles (not scooters, minibikes, etc.). Furthermore, within the U.S. economy H-D holds the majority of motorcycle sales. Therefore, even while industry growth is declining, H-D sales and other motorcycle sales are still continuing to increase. (DataMonitor 2007). Figure 1 shows motorcycle industry growth versus sales. The Motorcycly Industry Council (MIC) discloses that leisure product industries are facing steep decline however the motorcycle segment though declining ,is not doing so at a steep rate. Tim Buche, President of the MIC says Overall motorcycle sales were down 7.2%, not nearly as sharp a decline as many other consumer products in todays economy/ (Wasef, 2009). Socially H-D has a competitive edge which is owed to its customer base, strong brand loyalty and demographic trends such as the increse in female operators. This loyalty is indicated in the average age of H-D consumers. H-D average consumer buying age is 42 years old and increasing (Gauvin 2005). H-D aspires to increse it consumer demographics, howevr à ¢Ã¢â€š ¬Ã‚ ¦although the younger generation below 35 years of age has posted the largest gains in owernship, the generation that is on the edge of the baby boomer segment will be the main catalyst of growth for the industry (Koncept 2007). One social factor that may negatively affect the sale of H-D motocycles is the stigma that has been attached to these leisure vehicles. Alot of people believe that motorcycles are dangerous and this belief is strengthened due to the high rate of fatalities and crashes. H-D stands the chance of escaping this stigmatisation if the public views their bikes as cruisers and not speed bikes. Technologically H-D can take advantage of antilock brake systems. Antilock brakes cold help riders avoid fatal crases according to a study done by the insurance industry. 2.1.2 PORTERS FIVE FORCES MODEL Rivalry H-D operates within the Recreational Vehicles industry along with five other major competitors: Winnebago, Polaris, Thor, Arctic Cat and Marine Products. The top performers within the industry and hold 92% of the market share by volume with a market capitalization of 64.653 Billion of a total Industry of 7 Billion (Yahoo Finance, 2009). Other firms in different industries that are direct product rivals include Honda Motor Company Limited, Yamaha Motor Co, Ltd., and Suzuki Motor Corporation (Datamonitor, 2007). The presence of these large multinational corporations with exceptionally high assets boosts the degree of rivalry within the industry. Because of the small number of material rivals, the markets revenue is shared between fewer firms and enhances the degree of rivalry for bottom line profit. This rivalry forces most competitors to try and diversify their business models through geographical expansion or vertical expansion, leading to interests and investments in a variety of other segments such as the automobile, watercraft, industrial and farming equipment areas. (Datamonitor, 2004). Threat of Substitutes The Recreational Vehicle industry faces threats from the Automobile Industry, from public transportation options and from Bicycles. The threat is largely dependent on the indispensability of motorcycles and other lifestyle products to the end user (Datamonitor, 2008). In most developed countries, motorcycles, jetskis and other recreational vehicles are leisure items that lack necessity and are therefore largely dispensable or substitutable by more practical items such as cars or more cost effective means of transportation such as bicycles. This lack of necessity increases the threat of substitutes and illustrates why the external market goes into decline during economic recession. However, even though there is a lack of necessity, when a consumer owns a motorcycle or other product, switching costs to a substitute can range from low to high. Switching to public transportation can be cheap, but switching to a luxury vehicle involves a high cost factor. Because switching costs vary depending on the alternative means of transportation chosen, the overall threat of substitutes within this industry is moderate. Buyer Power Buyer power is weakened by a high level of product differentiation and customer loyalty to dominating brands (Datamonitor, 2008). Because customer loyalty with respect to dealers is high, as is the demand for specific and/or customized products, buyers power is weakened since the consumers rely on companies to produce their preferred product. This high demand allows companies to increase their price due to high product differentiation and low standardization. Relatively large numbers of buyers within the US, coupled with a high level of product differentiation weakens buyer power. This gives Recreational Vehicle manufacturers a competitive edge in the industry because they can produce a product based on customer demand. An increasing factor of buyer power is the fact that over half of recreational vehicles sold in the U.S. are sold and bought through non-retail channels. This provides consumers with an option for cheaper purchasing, and becomes a major threat to the industry if they cannot move their new products. Fortunately for the large competitors, who rely on product differentiation, their customers desire customized products that arent available on the second-hand market. Overall, buyer power is low due to sustainable competitive advantage of product differentiation which is impossible for other brand competitors to match. Supplier Power Competitors within the Recreational Vehicle industry rely mostly on commodities such as metals. There is a highly stressed importance on the quality of these raw materials which enhances supplier power. Also, as global prices of primary raw materials (ie: steel, aluminum) increase, pressure is put on the manufacturers to increase their margins. Furthermore, the increasing consolidation of the steel industry has the potential to lead to even higher raw material costs and product differentiation. The competitors often deal with this high power of suppliers by signing contracts with manufacturers to ensure the delivery of quality raw materials at a set market price. Power of suppliers is decreased by the competitors large size and the fact that manufacturers account for only a small portion of the suppliers revenues. Large multinational corporations such as Harley-Davidson and others can receive materials from many different international suppliers and face low switching costs due to minimal product differentiation. This presence within the international market boosts Industry leaders power. (Competitive Landscape, 2009) Overall, supplier power is moderate. Threat of New Entrants The industry faces moderate threats of new entrants because of moderate industry growth levels and high barriers to entry. The Recreational Vehicle industry is continuing to grow, especially in America, as consumers are traveling shorter distances and on weekends with less planning. New entrants are lured by good market growth, especially in the budget or low-cost areas due to consumer, ownership and demographic trends towards convenient travel patterns. (RVIA.org, 2009) Barriers to entry include large capital requirements and high fixed costs for set-up of new production and provider facilities, an exceptionally high level of brand recognition and customer loyalty. Modes of entry include starting a new company, diversifying and existing companys operations into motorcycle or other vehicle manufacturing, and beginning to export into the host country. Another barrier is the global tightening of emission standards that further ramps up costs as motorcycle and other recreational vehicle redesigns are required, increasing research and development costs. (Competitive landscape, 2009) Along with the tightening of emissions standards is an increase in the global costs of raw materials such as steel. As standards and product costs increase, barriers to entry become larger hurdles for new entrants. In order to be profitable, new entrants must pass on large capital requirement, RD costs and raw material costs to their customers and reflect these in the costs of the finished product. In the current economic recession, this becomes problematic because average consumers and not willing to spend their small disposable income on leisure items. Since sales are sensitive to price, another mode of entry is possible in the sale of budget vehicles. However, these companies would still be subject to the large capital requirements and high fixed costs, resulting in a business that would not be sustainable and therefore becomes undesirable. Overall, this threat is moderate.

Stereotyping Girls Who Drive Trucks :: Sociology

Stereotyping Girls Who Drive Trucks There is nothing more thrilling to me than being a girl who drives a truck. The sense of power you get almost makes up for the harassment. Driving a truck as a female automatically places you in one of two categories, whether they're true or not. You are either the cute lil' thang in Daddy's big pick-up, or you are a bull dike. Don't worry; there are ways to tell which category you're in. Should you be the cute lil' thang, you might be a little chunky or just plain little. You cannot however, be fat. One probably wouldn't want to be very tall either. Your pants should always be really tight, and skirts should be really short. These should always be worn with really small shirts. It should be noted that just tight or short, etc. is not accepted. "Really" must precede any adjectives. You should also thoroughly enjoy being called "sugar," and "darlin'" by mechanics trying to rip you off. Your truck must be really big and new. Even ridiculously big, and you should have trouble driving it (or at least give the appearance of such). Acrylic nails are big with this group, but not too long, and always maintained. The best advice is to imagine this group the cheerleaders of the road workers. The second group of lady pickup drivers is a substantially less desirable category. To be in this group, you need to be either skinny or fat. There is no in between. The hair should be worn in a ponytail or braid; a buzz cut is also acceptable. The lady mullet makes an occasional appearance as well. Cowboy hats (not the cute kind) and roper boots are good, and a big belt with lots of keys. If this is too much, a t-shirt and khaki shorts work too, as long as you promise to wear ankle socks and sandals. You truck should never be 4-wheel

Black Elk Speaks Essay

Black Elk Speaks is about a Native American boy that has visions and these visions help him with the religious aspects of live. He has these visions that tell him what to do and shows him the path to righteousness. These visions can also be seen as myths, which are stories that try to explain something. Every culture has their own collection of myths. Black Elk Speaks is also a very symbolic book, because it has the use of many objects or people that represent other things. In the American culture, as well as other cultures around the world, are also very symbolic. The American culture is very diverse in that there are many different cultures that have mixed and created the American culture. The American culture is not something that is easily explained, because it is so mixed with many other cultures from around the world. At first there were American Indians and they brought along their tribes and myths and rituals. Then came the British and over time the Chinese because of the California gold rush. In time America was in habited with many different nationalities and ideas. These ideas were slowly but surely blended together. As for example, when the British shared their meal with the Indians they were also sharing their culture and food. The exchange of food and other ideas brought the two distant worlds closer. The more important ideas are what does all this exchanging of food and ideas symbolize? â€Å"A symbol is something such as an object, picture, written word, sound, or particular mark that represents something else by association, resemblance, or convention†(Wikipedia, 1). The object used in Black Elk Speaks is a pipe, given to them by a â€Å"young and very beautiful† woman, which symbolizes trust and companionship. Now, my friend, let us smoke together so that there may be only good between us† (Black Elk Speaks, 5). Black Elk and Neihardt have a smoke together to share their friendship and trust between the two. The pipe can also symbolize peace amongst people and/or tribes. Another act, such as the killing of a bison, might be seen as bravery, integrity, courage, pride. The American culture changed drastically when more cultures were included, such as the Chinese and African Americans. Slaves brought in from Africa, which meant that they brought along their culture and tendencies to America. Even though slavery was not the right thing to do, it brought a new culture into America and made it more diverse and â€Å"developed. † For example, superstitions are something that has shaped the culture as well. Spilled salt, walking under a ladder, a broken mirror, etc. are all superstitions that are said to lead to bad luck. When someone does one of these things they believe that bad luck is upon them. This causes them to act in a different way. Something bad in the future happens they may turn and blame it on the bad luck. Maybe some of the things that happen are just coincidences but culture has taught us to believe that it was the bad luck caused by the spilled salt, broken mirror, or walking under a ladder. Another big symbol in Black Elk Speaks is the four ribbons tied to the pipe that Black Elk and Neihardt smoke. It represents the powers of the four quarters of the universe. There are four ribbons tired to the pipe and each ribbon is a different color, which symbolizes a different power. Black is for the west, the source of the rain; red is for the east, the place of the morning star that gives wisdom; white is for the north, source of cleansing wind; and yellow is for the south, the places of summer and growth. Myths are another big thing that shapes a culture. Black Elk’s visions are like the myths in this story. In his vision, a bay horse greets Black Elk. He then tells Black Elk that he will tell him a story of the life history of himself. The horse walks in a circular motion â€Å"‘Behold me! ’ he said, ‘My life-history you shall see. ’†¦ ‘Behold them! Their history you shall know’† (Black Elk Speaks, 19). Each side that the horse goes to there are twelve horses that are each in a group of different colors. The horses to the north are white, those to the east are sorrel, those to the south are buckskin, and the ones to the west are black. The horses will take Black Elk to his Grandfathers. The sky fills with dancing horses that change into diverse creators and lead a formation of the horses from the four directions. They arrive at a cloud those changes into a tepee with a rainbow door, which inside the six Grandfathers are waiting. A myth is like a traditional story which usually contains some sort of hero or event. In this myth, the vision that Black Elk is having, is an event that is occurring. A bay horse appears in front of him and shows him the way to meet the six Grandfathers. Sometimes myths may sound like a fairy tale. For example, in ancient China, there was once this monkey that was very troublesome and cause destruction to the heavens. He was punished and put under a mountain. After about several hundred to a thousand years a monk comes along to save the monkey and there starts a journey of adventures and evil to obtain immortality. This is a myth because it is a legend of a hero that is punished for his crimes and therefore pays his debt by serving under his master. There are many aspects of a culture. The American culture is very diverse and tough to explain in one short answer. There is no true American culture because it is just a mixture of different cultures from around the world. Black Elk Speaks shows the forms of myths and symbols and how they contribute to American culture. Black Elk’s myths and symbols are very similar to those of the American culture.

Adventures of Huckleberry Finn Review

'Adventures of Huckleberry Finn' Review Mark Twains Adventures of Huckleberry Finn is one of the most celebrated novels in American literaturearguably the greatest novel in American literature. As such, the book is frequently  taught in high school English, college literature classes, American history classes, and every other opportunity teachers can find.   The justification usually cited is its commentary on the social institutions of slavery and discrimination; however, no less important is the aspect of the story that demonstrates one boys coming of age. Mark Twain ends The Adventures of Tom Sawyer with the cryptic statement: So endeth this chronicle. It being strictly the history of a boy, it must stop here; the story could not go much further without becoming the history of a man. Adventures of Huckleberry Finn, on the other hand, contains much less of the perpetual jokes and scrapes of the first book. Instead, Huck is faced with the emotional growing pains of becoming a man in a morally flawed society. At the beginning of the novel, Huck lives with the Widow Douglas, who wants to sivilize Huck, as he puts it. Although he dislikes the restraints society puts on him (i.e. stiff clothing, education, and religion), he prefers it than going back to living with his drunken father. However, his father kidnaps him and locks him up in his house. Therefore, the first major chunk of the novel focuses on the abuse Huck experiences at the hands of his fatherabuse so bad that he must fake his own murder in order to escape alive. Escape to Freedom After staging his death and running away, Huck meets up with Jim, a runaway slave from the village. They decide to travel down the river together. Both of them are running away to gain their freedom: Jim from slavery, Huck from his fathers abuse and the Widow Douglass restrictive lifestyle (although Huck does not see it that way yet). For a major part of their journey together, Huck views Jim as property. Jim becomes a father figurethe first Huck ever had in his life. Jim teaches Huck right and wrong, and an emotional bond develops through the course of their journey down the river. By the last segment of the novel, Huck has learned to think like a man instead of a boy. This change is most poignantly demonstrated when we see the melodramatic prank that Tom Sawyer would have played with Jim (even though he knows that Jim is already a free man). Huck is genuinely concerned with Jims safety and well-being, whereas Tom is only interested in having an adventurewith complete disregard for Jims life or Hucks concern. Coming of Age Tom is still the same boy as the one in The Adventures of Tom Sawyer, but Huck has become something more. Experiences that he has shared with Jim on their journey down the river have taught him about being a man. Although Adventures of Huckleberry Finn contains some very poignant critiques of slavery, discrimination, and society in general, it is also important as the story of Hucks journey from boyhood to manhood.

A Law Dictionary Containing Definitions of the Terms and Phrases essay

A Law Dictionary Containing Definitions of the Terms and Phrases essay A Law Dictionary Containing Definitions of the Terms and Phrases essay A Law Dictionary Containing Definitions of the Terms and Phrases essayMarine insurance provides ship owners with a wide range of benefits. According to Xia Chen (2001), â€Å"the availability of marine insurance helps spread the risks of maritime misadventure faced by ship owners†(p. 17). The term â€Å"marine insurance† stands for the form of insurance that covers ship owners and ship personnel, in terms of covering not only different types of losses or damages to ships, cargo, vessels, etc., but also defining ship owners’ liabilities regarding their activities. According to the Marine Insurance Act of 1906, the contract of marine insurance is defined as â€Å"the contract whereby the insurer undertakes to indemnify the assured, in a manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure† (Dunt, 2013, p. 9). An insurance company is obliged to pay claims, which may arise from losses or damage s covered by the terms of the insurance contract or policy (Dunt, 2013; Merkin, 2013.). The Marine Insurance Act of 1906 is considered to be one of the major legal documents that are in marine insurance practice.  The case that will be discussed in this paper involves the Ship Owner (or the Assured) whose duty is to take the appropriate steps in the legal procedure, claiming under the marine insurance policy. A vessel is badly damaged by fire (an insured peril) and the Ship Owner (the Assured) estimates that the cost of repairs will exceed the value of the vessel upon completion of the repairs. In this case, marine insurance policy can help to provide protection to the Assured against liability for negligent loss or damage. During the accident, the property has not been salved because it has been reported that the vessel needs basic repair. If a vessel is badly damaged by fire, or grounding, or collision, â€Å"no one would suggest that the ship has to be fully repaired to be â⠂¬Å"salved†( Rose, 2013). As a rule, if a vessel is badly damaged, including her cargo, the cost of repair often exceeds the value of the vessel, or market value. In this case, the damage to the vessel can be treated as total loss, and the insurers will have to pay out accordingly, covering all expenses.An insured peril stands for a proximate cause of a loss. According to S. Chatterjee (2004), â€Å"this principle states that the cause of a loss, in order to be compensated, must be the one against which one is actually insured† (p. 155). Fire is one of the proximate causes of a loss, which must be covered by the marine insurance policy, but the loss may be irrecoverable. According to Francis Rose (2013), an insured peril â€Å"does not per se determine, whether there has been a loss for which the assured is entitled to recover, and if so which type of loss†(p. 445). Therefore, it is very important to identify the type of a recoverable loss. According to the Marin e Insurance Act of 1906, in the case discussed in this paper, the classification of the loss can be defined as a total loss as the vessel is badly damaged by fire and the cost of repairs will exceed the value of the vessel upon completion of the repairs. Francis Rose (2013) states that â€Å"losses can be truly total in the physical sense, for matter does not cease to exist and it is increasingly possible to reconstitute it, even in cases of apparent destruction†( p. 446). In some cases, total loss is unavoidable because of the severe circumstances (Merkin, 2013). Taking into consideration the above mentioned facts, it is possible to conclude that in the case discussed in this paper the loss appeares to be a total loss.The overview of the options opened to the Ship Owner (the Assured) in the case under study In the case under study, the Ship Owner is the Assured. According to marine insurance policy, if the Assured experiences a loss, he is obliged to file a claim for compens ation (Merkin, 2013).   As a rule, the Assured has a number of rights, based on the terms of the marine insurance policy. Under the Marine Insurance Act of 1906, section 78 (4), the Assured should â€Å"take such measures as may be reasonable for the purpose of averting or minimizing the loss†(Dunt, 2013, p. 309).   Thus, there are several options open to the Assured in the case discussed in this paper.To start with, one of the options open to the Assured is claiming for a total loss. The Assured faces two possibilities concerning the state of the vessel.   If there is a possibility for restoration of the vessel, it is a constructive total loss. However, if there is no possibility for restoration, the Assured is entitled to claim for an actual total loss. In the case under study, the Assured has an opportunity to make repairs of the damaged vessel. According to the existing Marine Insurance Laws, a constructive loss can be defined as the loss â€Å"where the vessel rem ains in specie, and is susceptible of repairs or recovery, but at an expense, according to the rule of the English common law, exceeding its value when restored, or, according to the terms of the policy, where injury is equivalent to the 50% of the agreed value in the policy† (Black, 1910, p. 1162). The Ship Owner of the damaged vessel enjoys the rights of the Assured; therefore, he is entitled to seek to make claim in full in the Insuring Company’s liquidation for a total loss from fire of the insured property. This fact means that his claim is legal and is made under the Marine Insurance Act of 1906, provided the loss by fire is one of the numerous risks covered by the marine insurance policy.It is very important that the Marine Insurance Policy may govern various types of risks faced by a ship, cargo, etc., including fire, theft, bad weather conditions, equipment failures, and other risks. Actually, the Marine Insurance Policy covers fire as one of the major risks or perils mentioned in the marine insurance policy against which the underwriters are entitled to indemnify the Assured. The Ship Owner, as the Assured, should keep in mind that in case the vessel is destroyed or damaged by fire, â€Å"it is of no consequence whether this is occasioned by a common accident, or by lightning, or by an act done in duty to the State† as mentioned by the Court in the case Gordon vs. Rimmington (1807) 1 Camp 123 (Hodges, 2013, p. 66). Under the Marine Insurance Act of 1906, section 55 (2) (a), fire is considered to be one of the perils insured. Thus, in the case under study, the loss caused by fire will be a recoverable loss. The Assured is entitled to claim for a total loss because there is a clause in the marine insurance policy that the Ship Owner must be protected from any types of risks covered, including fire.Moreover, under the Marine Insurance Act of 1906, section 1, a marine insurance policy or contract can be defined as â€Å"a contract wh ereby the Insurer undertakes to indemnify the Assured against various types of marine losses† (Merkin, 2013, p.56). It becomes clear that the Ship Owner holds an interest in coverage. He should realize that opening a marine insurance policy is a necessity for successful business operations. Marine insurance coverage refers to various types of losses, including the losses caused by collision, stranding, heavy weather conditions, fire, theft, etc. Anyway, the Ship Owner should be focused on the knowledge of the marine insurance policy terms. There are several options of coverage included in the marine insurance policy. Coverage with particular average provides the Assured with an opportunity to get a broader form of marine insurance coverage, which is aimed at protecting the Assured from various partial types of damage by sea perils. For example, if the vessel has stranded, or the vessel sunk, or the vessel has been on fire or the vessel was damaged in collision, the percentage requirement will be waived and losses from sea perils will be recoverable in full (Hinkelman, 2010). Coverage free from particular average ensures protection for various partial losses, which result from the various types of sea perils and total losses, but only â€Å"if the vessel has stranded, sunk, burnt, been on fire or been in collision† (Hinkelman, 2010, p. 306). In this case, the Assured will never get full insurance coverage. The Assured should realize that the more types of risks are covered in the marine insurance policy, the higher the percentage interest in getting premium compensation. As a matter of fact, the Assured should be aware of the fact that the type of coverage, titled as â€Å"All Risk† coverage, guarantees the greatest and the most advantageous marine insurance coverage. The Ship Owner is entitled to make a decision whether to repair his vessel or not to repair the vessel as the losses are sustained. As a rule, the Assured is indemnified for th e reasonable depreciation that often arises in case of any unrepaired damage.Additionally, if the Assured experiences a constructive total loss, he is entitled to treat the loss as partial loss. In this case, another option is open to the Ship Owner. He may leave his vessel to the Insurer, treating the loss as an actual total loss and claiming the proper compensation under the marine insurance policy.The procedure followed in claiming under the marine insurance policyThe procedure which should be followed in claiming under the marine insurance policy gives explanation of both the Ship Owner’s position and that of his underwriters. The appropriate information should be collected regarding the contracting parties, the terms of the policy, the proximate cause of loss, etc. The Ship Owner may claim for a loss by fire, but his claim may be disallowed (Hodges, 2013).There are several steps in the procedure for claiming compensation under the marine insurance policy. First, the Assu red must notice to the Insurer, or Insuring Company. Second, the Assured must report to the police department if the damage has been caused by fire. Third, the Assured must submit the claim. As a rule, this procedure is done in writing within 35 days of the loss. Fourth, the Assured must provide the appropriate evidence for the claim. This procedure requires submission of the documents that can be used as evidence for the claim, including the origin of the loss, the major causes of fire, etc. The truth of his claim must be certified by the declaration on oath. Fifth, the Assured must settle the claim. The Ship Owner’s claim must be reviewed by the underwriters and settled provided the circumstances of the loss are covered by the marine insurance policy terms. The proper compensation must be paid for the losses. If the underwriters refuse to settle the claim, their decision must be appealed to the court. Sixth, the Assured in entitled to get the compensation for the loss cause d by fire (Merkin, 2013; Hodges, 2013).ConclusionMarine insurance coverage is crucial for the Ship Owner as it provides protection of individual interests in different situations, guarantees financial support in the case of loss. The case discussed in this paper is a good example of the benefits of having a marine insurance policy. The Ship Owner experiences a loss. He must claim the insurance policy to cover all ship repair expenses. The Assured has an option to claim for a total loss because the ship is badly damaged by fire and the Ship Owner estimates that the cost of repairs will exceed the value of his vessel when the repairs have been completed.

Federal required security within federal buildings Research Paper

Federal required security within federal buildings - Research Paper Example This paper delves into this topic of federal security within federal buildings. Federal buildings refer to any facilities owned or leased by the General Services Administration. Federal facilities’ security includes physical security assets for example security guards (both contracted and federally employed), close-circuit television cameras, and barrier material (Smith, 2). Reese and Tong explain that federal building security comprises of activities such as the everyday interaction of Federal Protective Service (FPS) and its federal clients, the federal agency interaction with contact security guard companies and the coordination between the FPS and United States Marshals Service (USMS). Federal agencies communicate with each other and local, state and private sector bodies in the coordination of federal building security. Reese and Tong further explain that through its Public Buildings Service (PBS), the General Services Administration (GSA) is the chief agency of real property and asset management of the federal government. By FY2006, the agency’s real property portfolio consisted of approximately 8,847 structures and buildings, with a replacement value of approximately 68.8 billion dollars. Other than the General Services Administration, twenty-seven other federal agencies have autonomous leasing and landholding authorities, which assist them in constructing or acquiring particular kinds of buildings. The General Services Administration is in charge of the construction as well as design of its buildings, in addition to being in charge of repairs and alterations to facilities that are already in existence. Assuring federal employees’ physical safety as well as that of the private nationals who frequent buildings that the federal government has leased or owns is a prime goal of the Gene ral Services Administration (Smith, 2). However, before the

Graphic Design Impact on Fashion Annotated Bibliography

Graphic Design Impact on Fashion - Annotated Bibliography Example The essay "Graphic Design Impact on Fashion" concerns the graphic design and fashion. The Book answers important questions such as whether women create differently as compare to men, how gender debates are taken in the modern work environment and whether women in the modern workplace are judged based on quality of their work. It features sentiments from historians of design as well as biographies and stories of major women designers like Iris Utikal, Sheila Levrant Irma Boom among others. It surely shows how powerful a tool, graphic design can be in shaping fashion and culture as well as values. The authors of this book take a look at the way graphic design has helped shape fashion. It has selections of the world best studios for design, their work and contribution to the to fashion industry’s growth. The book also contains insights from designers and customers about the industries direction. The crucial developments of graphic design in the bigger area of fashion are well art iculated and the reader can really appreciate what design is doing to fashion. It is an appropriate book for upcoming designers, fusionists as well as fashion lovers as has a lot of fascinating and exciting information. The paper examines ceramic designs and their importance particularly to the homes and buildings. It looks at their impact to fashion as well as their commercial usage and communication. A lot of value is attached to artwork which goes beyond monetary value and this is what the designer aims at bringing out.