| Papers [1-15] of 100 :: [Page 1 of 7] | | Go to page : 1 2 3 4 5 6 7 —> | Search results on "MORAL HAZARD": |
|
|
Moral Hazard, 2005.
A discussion of past instances of moral hazard in the banking industry and reforms to limit its impact in the future.
931 words (approx. 3.7 pages), 4 sources, MLA, $ 33.95
»
Click here to show/hide summary
Abstract
Applied strictly to the banking industry, moral hazard refers to the risk exposure of financial institutions and is often caused when a statutory authority provides some kind of financial safety net, such as deposit insurance. This paper looks at moral hazard as it applies to the banking sector and discusses past instances of failure in the banking sector attributed to it. It closes with a discussion of reforms enacted in Australia to minimise the impact of moral hazard on Australian financial institutions.
From the Paper
"Moral hazard hit the United States savings and loan industry hard in the 1980's, when a lot of highly speculative and risky investments were made by the owners of savings and loan institutions. Owners of these institutions found that it was possible to attract a large pool of government insured deposits that could be invested, with little restriction, in these risky projects that had the potential to generate large profits. As the capital was insured by the full faith and credit of the United States government, managers had little incentive to manage the risk exposure of their investment portfolios (Pindyke & Rubinfeld, 2001, p. 608-9)."
| |
|
Moral Hazard, 2005.
An overview of the concept of moral hazard with a focus on health insurance.
1,307 words (approx. 5.2 pages), 2 sources, MLA, $ 44.95
»
Click here to show/hide summary
Abstract
Moral hazard is the condition when one party in a contract has an information advantage over the other party and engages in post-contractual opportunistic behavior. This paper examines how there are two agents through which the issue of moral hazard enters the field of health insurance, the insured and the medical practitioners treating the insured. It looks at how in the case of health insurance, the information advantage accrues to the health services consumer/physician who know more precisely what problem the consumer is experiencing and how to treat it.
From the Paper
"The interest of the insurance company in limiting what it pays out in insurance has been commonly regarded as a property right; when the insured attempts to have the insurance company pay costs, it is sometimes viewed as if the insured were trying to take the insurance company's property. On the other hand, the property of the insurance company-the premiums-were not donations but rather the cost of a 'service.' The service itself is the payment of medical bills when and as needed. If the service is not provided, then it could fairly be said that the insurance company was engaging in 'theft of services' against the insured."
| |
|
Moral Hazard and Adverse Selection, 2002.
An overview of these economic concepts in layman's terms.
1,525 words (approx. 6.1 pages), 8 sources, $ 57.95
»
Click here to show/hide summary
Abstract
This paper explains the concepts of 'moral hazard' and 'adverse selection' to an audience not used to thinking in economic terms and tells what these ideas have to do with financial intermediaries.
| |
|
Consumer Driven Health Plans, 2006.
An essay on the rising health care costs associated with moral hazard and why, despite some skepticism, consumer driven health plans (CDHP) can provide a solution.
1,040 words (approx. 4.2 pages), 3 sources, APA, $ 36.95
»
Click here to show/hide summary
Abstract
The paper discusses Consumer Driven Health Plans (CDHP) and how these plans can reduce medical spending. The paper examines the rising cost of health care and how health insurers have developed new and innovative ways of dealing with the ever pressing issue moral hazard has had on overall medical spending. The paper further analyzes how through consumer driven health plans, health insurers hope to encourage more conservative and responsible consumerism as patients are forced to pay higher out of pocket costs for medical services.
From the Paper
"Year after year, as the cost of health care continues to rise and the American public's frustration continues to grow, those with influence over the market have begun to offer new and innovative solutions in the hopes of curbing the ever rising prices a broken system has helped to create. In a flawed design where everyone but the consumer is picking up the tab - the employers, health insurers, and government, it's of no surprise that Americans have been more than indulgent in their consumption of medical services. Unfortunately, this careless consumption, driven by moral hazard, is what continues to drive the overall cost of health care up at a rate of inflation higher than that of other goods and services. Now, in an effort to reduce the most costly of effects attributing to the rising cost of medical services, health insurers have focused on reducing moral hazard through the introduction of consumer driven health plans (CDHP)."
| |
|
Occupational Safety and Hazards Management, 2005.
This paper discusses the development of an occupational safety and hazards management system at a construction work site in Australia.
2,145 words (approx. 8.6 pages), 10 sources, MLA, $ 67.95
»
Click here to show/hide summary
Abstract
This paper explains that at a construction site, simple negligence can exacerbate into a dangerous hazard: The main victims of these hazards are the laborers, but the responsibility to provide a safe working environment belongs to the owners of the construction site. The author points out that the government of Australia is actively engaged in promoting occupational safety measures, which are applicable to the employers, employees and others who have an influence on the hazards in a workplace such as contractors, designers and other logistic suppliers. The paper relates that, at the work site studied, two major areas---work from heights and load carrying hazards for the masonry workers---are observed and controls based on Occupation Safety and Hazard Management System (OSHMS) are recommended. Chart.
Table of Contents
Introduction
Purpose of the Study
Overview of the Study
Methods of study Conducting
Findings of the Direct Visit to the Work Site
Working Process
The Physical Hazards
Slip/Trip/Fall
Electrical Shock/Spark
Chemical Hazards
Nature of Injuries Caused
Occurrence of Hazards
Hazards of Fall when Work from Heights
Hazards During Load Carrying
Risk Matrix
Physical Hazards for Masonry Work
Risk Matrix
Controlling Measures
Controlling Measures for Work from Heights
Controlling Measures for Moving Loads
OSH Management System
Key Features
Recommendations of OHS to Work Site
OHS Legislation
Standards on Fall and Work from Height
Standards for Load Carrying
Conclusion
From the Paper
"To have an effective controlling system, there should be an effective implementation of Occupation Management system. Occupation Safety and Hazard Management System is like a guide to practice the Occupational safety against the anticipated hazards. The OSH management system should be well planned in before by the administration to coordinate the Hazard control and safety measures for the workers at work site."
| |
|
Hazardous Waste, 2005.
A discussion on hazardous waste and its management.
1,125 words (approx. 4.5 pages), 3 sources, $ 44.95
»
Click here to show/hide summary
Abstract
The paper examines how hazardous waste is an acute problem throughout the world. The writer proposes that there is no single solution to this problem and that it is unlikely that our modern, industrialized society will become waste-free. This paper defines waste and hazardous waste. It looks at how hazardous waste is produced and how it can impact the environment as well as human health. The paper includes strategies for minimizing both the volume and impact of waste. The paper concludes that an approach that combines source reduction, reuse, recycling and burying in sanitary landfills is needed in order to properly manage both hazardous and non-hazardous waste.
| |
|
Hazardous Materials, 2004.
This paper discusses the management of hazardous materials by emergency responder teams.
3,360 words (approx. 13.4 pages), 14 sources, APA, $ 95.95
»
Click here to show/hide summary
Abstract
This paper explains that a hazardous material emergency is any uncontrolled release or possible release of a hazardous material or substance that requires assistance from a local fire department or ?hazmat? team to control it. The author points out that the first steps for the incidence commander are to assess the situation, determine which level of magnitude the situation is (HAZMAT level 0, 1, 2, or 3), and then pass this information to whichever local, state, and federal organizations are required. The paper relates that air surveillance at the site of a hazardous material incident is vital to ensure that the personnel involved are not exposed to chemicals or materials in the air and that lingering particles do not contaminate local surrounding areas, placing the public in danger.
Table of Contents
Hazardous Material Emergency
How to Command an Incident Response
Researching Identified Materials in an Incident
Main Objectives of Site Control
Standard Operating Procedure for Response Activities
SARA Title III
Essential Personal Protective Equipment
Decontamination of Personnel
Role of Hazard and Risk Assessment and Decision Making in Hazardous Material Control
Basic and Advanced Hazardous Material Control: Similarities and Differences
How Chemicals Behave and Knowledge is Vital
Toxicity
Basics of Air Surveillance and Strategies
Importance of Computer
Common Symptoms of Mental Stress
Temperature Stress and its Importance
Physical Fitness and Leadership
Benefits of Exercising an Emergency Response Plan
Terminology
From the Paper
"Identifying materials in any hazardous materials accident is vital to site containment. Whenever there are unidentified products at a containment site, the incident commander must attempt to identify those products. First, visual inspection should be made to attempt to identify the materials. This can be done via binoculars if the materials appear to be corrosive to the eye. Additionally, the commander must look for the presence of smoke, vapor, or fire to help determine the chemical nature of the compound. The commander can also look for the original containers, to help identify the products."
| |
|
Hazardous Waste, 2008.
A discussion on how to treat, handle and dispose of hazardous waste.
1,773 words (approx. 7.1 pages), 5 sources, APA, $ 57.95
»
Click here to show/hide summary
Abstract
The research presented in this paper closely examines hazardous waste, its production, transportation and storage, and any issues arising out of those processes or events that will help lend insight and understanding into this very important subject. The paper explains that hazardous waste is any product which necessitates a special process or treatment for disposing of the waste, or, if mishandled, the waste, such as asbestos, poses a threat and health hazard to people who come in contact with it. The paper points out that there were no international rules or laws governing the transfer of hazardous waste from one country to another, and in some instances the transfer was negotiated privately, without making the government of the receiving country aware of the transfer. The paper suggests that it is perhaps more important than ever, and a very good time to look at the issues of hazardous waste when people are concerned about issues such as global warming and preserving the natural environment. The paper concludes that the issue of hazardous waste is one that must be addressed, and addressed in a way that relieves third world countries and future generations of people of the burden of dealing with that problem.
Outline:
What is Hazardous Waste and Who Makes It?
From the Paper
"Third world countries are targeted as dumping grounds for hazardous waste because those countries are badly in need of cash. It becomes very unsettling from a safety and humanitarian perspective when one thinks of the little island of Haiti contracting to receive hazardous waste when that country is already dealing with the squalor of human waste and disease for which there are no adequate infrastructures like sewer systems, water delivery systems, housing, and other infrastructure that would facilitate the adequate and proper handling and treatment of hazardous waste."
| |
|
Household Hazardous Waste, 2004.
An analysis of household hazardous wastes and the steps that need to be taken to ensure the correct disposal thereof.
2,147 words (approx. 8.6 pages), 7 sources, MLA, $ 67.95
»
Click here to show/hide summary
Abstract
This paper focuses on the epic topic of household hazardous waste. A thorough description of what household hazardous waste is and where it comes from is provided. Following this, a discussion of safe usage, storage, and disposal of these materials is presented. The paper examines what can happen to the environment when these waste products are not disposed of properly. Finally, the paper discusses why household hazardous waste does not receive the same scrutiny by governmental agencies as commercial and industrial hazardous waste.
From the Paper
"As mentioned, household products are considered to be hazardous if they have one or more of the following properties. If they are flammable or combustible, meaning they can be easily set on fire, they are deemed hazardous. If they are explosive or reactive, in such a manner that they can detonate or explode through exposure to heat, sudden shock, pressure, or interaction with incompatible substances, they are deemed hazardous. If the product is found to be corrosive, in that it exhibits a chemical action that can burn and destroy living tissues or other materials if it comes into contact with them, it is deemed hazardous. And, if the product is toxic, where it is capable of causing injury or even death if it is ingested, inhaled or absorbed through the skin, it is deemed hazardous ("Household Hazardous Waste Project")."
| |
|
Job Hazards, 2005.
This job looks at the subject of hazards in the workplace, looking at the particular job of being a cook at McDonald's.
900 words (approx. 3.6 pages), 1 source, $ 35.95
»
Click here to show/hide summary
Abstract
This paper concerns the hazards encountered in the workplace. In this article, the writer uses a specific job for analysis, in this case being a cook at McDonald's. The writer shows the various steps the cook must follow to produce the needed hamburgers and the hazards that are involved in the job. Further, the writer points out possible ways to mitigate those hazards with administrative, design and policy requirements for each store.
From the Paper
"This job description is based on the work of a younger cousin who has a weekend job at McDonald's cooking hamburgers. The writer observed him performing this job for an hour or so and asked questions as to the process, what it normally entails, some of the variations, and some of the perceived hazards that might be part of the job. From this, the following analysis was written and the risks assessed. This job involves standing at the flat grill, an expanse of hot metal on which hamburgers are placed in groups of up to 15 at a time in rows of five (which might vary in other stores, since the grills are not all the same size)."
| |
|
Occupational Hazards Of Being A Paralegal, 2004.
A paper describing the occupational hazards of being a paralegal.
904 words (approx. 3.6 pages), 5 sources, MLA, $ 31.95
»
Click here to show/hide summary
Abstract
This paper describes the occupational hazards of being a paralegal, which include back pain, headaches, and disorders such as carpal tunnel syndrome. The paper defines occupational hazards of computer dependent careers.
From the Paper
"The definition of occupational hazard which is a term typically used in determining insurance premiums is any activity associated with a job that increases the likelihood of sickness injury or death. The physical demands of a paralegal's job are typically not life threatening and are likely limited to sitting for long periods of time and excessive computer use. Both of these strains can lead to back problems chronic headaches or conditions such as tendinitis or carpel-tunnel syndrome ..."
| |
|
Earthquake Hazards in Western British Columbia, 2003.
Discusses potential hazards of a northern West Coast earthquake and its impacts on urban populations.
1,747 words (approx. 7.0 pages), 12 sources, MLA, $ 56.95
»
Click here to show/hide summary
Abstract
Western British Columbia is situated near an active subduction zone. The most densely populated part, the Lower Mainland, is actually sitting on the subduction zone. This paper explains that this dynamic geological setting subjects the region to frequent seismic activity and is, in large part, responsible for a higher risk of destructive earthquakes in comparison to other parts of Canada. While the principal city of Vancouver and its surroundings have not experienced a damaging earthquake so far, large earthquakes with nearby epicenters have been strongly felt, and there is paleoseismic evidence for very large earthquakes in the late Holocene. Hazards associated with earthquakes are discussed in detail, and recommendations are given on how to minimize the impacts of a megathrust earthquake and its accompanying hazards. Paper contains 6 figures and charts.
From the Paper
"Western British Columbia is situated at a dynamic geological setting which causes it to be the most seismically active in Canada and makes it one of the few sites around the world capable of producing a megaquake of a magnitude of ~9. While such a quake has not hit the region in settled time, paleoseismic evidence, oral history traditions and Japanese records date such a quake as having occurred in 1700. There is also evidence which point to these megathrust events as happening at irregular intervals which range from 200 to 800 years. Vancouver lies at the north end of a seismically active region which extends down into Washington State and has its end south of the Puget Sound. Areas directly off the coast of Vancouver Island and all along the Juan de Fuca plate and Cascadia Subduction Zone are very seismically active. The impact of an earthquake over 6 in magnitude with an epicenter near the Lower Mainland would be devastating on the region, if it occurs off the coast of Vancouver Island, even greater damages would be incurred by tsunami. While new building codes to increase safety structures are due to be released in 2005, it may be too late, as a large quake could hit the region any time, and we have no way to predict such quakes."
| |
|
Engineering for Tropical Hazard Mitigation, 2005.
A case study of hazard mitigation, which describes the technology and design that should be used to make a storm-proof house.
2,785 words (approx. 11.1 pages), 11 sources, MLA, $ 83.95
»
Click here to show/hide summary
Abstract
This paper explains how and why hazard mitigation is our best defense against the power of tropical storms. The paper also describes and explains the technology and design used for hazard mitigation and that the use of technology and engineering are the best ways to integrate mitigation into buildings.
From the Paper
"On August 24th, 1992, Hurricane Andrew appeared on the horizon, off of Florida's south eastern coastline. Winds of over 170 miles per hour blasted through Florida's peninsula while a seventeen foot storm surge caused severe coastal flooding to many of the major roadways and utilities (Provenzo, 2002). Figure 1 shows the pressure that can be created, per foot, by blowing winds. Florida would bear the brunt of the storm as it moved due west bisecting much of southern Florida, on August 25th, the storm finished movement over the peninsula, and turned north to Louisiana, a low lying area (Provenzo, 2002). The hurricane then would move north, and slowly dissipate as it reached the interior of the United States of America. When the storm was over, many families were in shock to see most of their houses destroyed, and many of the roadways inundated with standing water. The cost of the Hurricane in the United States was $26.5 billion in damage in the United States, of which $1 billion occurred in Louisiana and the rest in south Florida (Provenzo, 2002). The cost in human lives would also be high for the United States, twenty three people would die the day the hurricane first hit land, and thirty one people would die in the days after the hurricane initially made landfall. Eighteen of the 54 direct deaths attributed to Hurricane Andrew occurred during the recovery phase (Cook, 1995). Of those identified, eight were stress-induced heart attacks, three were either people falling in damaged buildings or hit by debris while cleaning up, and two were children who died in fires in damaged homes. This large number is placed into perspective when also confronted with the fact that nationwide, hurricanes annually account for an average of 17 deaths. The vast majority of the damage in Florida was due to the winds. Many of the house designs at the time overlooked the additional costs of adapted the most up to date techniques of home construction, which have a chance to mitigate the threat of a hurricane (Cook,1995). Those that did utilize construction techniques capable of coping with high winds returned to find many of their homes destroyed. Debris that reached over 85 miles an hour crashed into the house, puncturing the sides and allowing high pressures of wind to enter destroying the main structure by applying pressure from the inside out. Many people believed there seemed to be no way to cope with the power of the hurricane after hurricane Andrew. The aftermath of Hurricane Andrew jumpstarted the industry of engineering a home to survive the high powered winds, devastating storm surge, and heavy weighted debris that can accompany a hurricane. Many of the newest home designs would be tested, not in a computer, or in a wind tunnel, but in the middle of four hurricanes. One of the worst hurricane seasons ever recorded would occur twelve years after Hurricane Andrew, in September of 2004. Mitigation represents our best defense against the power of tropical storms, and the use of technology and engineering are the best ways to integrate mitigation into buildings."
| |
|
New York City and its Hazards, 2002.
An examination of the different hazards that occur in New York City and how they can be prevented.
1,150 words (approx. 4.6 pages), 2 sources, $ 44.95
»
Click here to show/hide summary
Abstract
This paper is written for an intro. to emergency management class. It discusses the hazards, man-made, natural, and technological that may occur within a city and preventive measures.
| |
|
Dickenson-Hazard and Nursing, 2006.
This paper examines the future of nursing according to Dickenson-Hazard's thesis.
900 words (approx. 3.6 pages), 1 source, $ 35.95
»
Click here to show/hide summary
Abstract
The paper discusses Dickenson-Hazard's thesis that nursing has a preferred future and is identified by four components. This theses states that although there are formidable issues and challenges to creating that future, there also are potential strategies for realizing it. The thesis author's intention is to "describe issues, challenges, and potential strategies in achieving nursing's global preferred future, focused on promoting healthy communities worldwide." The paper explains that the argument consists of the conclusions reached in seven Arista conferences which were sponsored by the Sigma Tau International Honor Society of Nursing.
|
|
|
