Peace and Free

Peace and Freedom Essay General accounts that place the American combat experience in the broader context of the 1918 campaign can be found in literature. Authors provide sound overviews of the AEFs European combat experience. Accounts of specific battles contain an excellent general description of the Marine combat experience on the Western Front. Perhaps influenced by recent trends in military history, many authors have attempted to come to grips with the wars impact on the individual soldier. Authors look at the Armys treatment of its black soldiers and of those soldiers reactions. There are also more detailed works on the black experience. They provide a fine general account of the African-American experience in the U. S. military. At the same time historians focused on the very important role women played at home. In The Women and the Warriors, Carrie Foster looks at the early history of the Womens International League for Peace and Freedom. He finds that its experience during the World War I greatly shaped its view of the world and the strategies it pursued during this period. The important scholarship on women during the war challenges the traditional interpretation of the war as, on the whole, a liberating experience for women. For historians are important local studies, focusing on official policy toward women and workers in general. There is also the psychosocial impact of the war on gender relations. What happens when the men come home is described by historians. Historians investigated also the history of industrial workers. They focused on the militarization of labor and on the relations among union leaders, capitalists, and military authorities. Historians covered labyrinthine administrative arrangements that economic mobilization engendered and trade union organization. Recent scholarship on the working class in wartime features a great many local studies. The history of daily life among civilians during the World War I has been investigated chiefly via local case studies. Many historians propose that the experience of the war on the home front often came down to â€Å"steel and turnips†Ã¢â‚¬â€ever-increasing demands for work and â€Å"efficiency, † and less and less to eat in the bargain. It almost goes without doubt that a disproportionate number of those undergoing these experiences were women and children. Some writers focus on the ideological impact of war work for the womens movement and consider the related issue of â€Å"pronatalism† as an element of wartime mentality. As to the children for whom working women continued to care, historians have studied the day-to-day life of those still in school and considered youth movements within the middle class. One social group of importance to both women and children was doctors. The relationship of both politicians and soldiers with the press has drawn a number of scholars. They have concentrated upon the issue of control and censorship touching on both censorship and ownership. The press was naturally an instrument for propaganda. The impact of theatre, photography, the infant cinema and, especially, the pioneering wartime film has been the subject of detailed consideration. Today the World War I is in modern memory as an incredible experience of our parents and grandparents. Its places of battles are partially preserved. Its equipment and accoutrements exhibited in museums. A balanced account of the entire period is captured in excellent historical works that always will be read with curiosity and amazement, as well as a growing understanding. References Coffman, Edward M. (1968). The War to End All Wars: The American Military Experience in World War I. New York: Oxford. Foster, Carrie A. (1995). The Women and the Warriors: The U. S. Section of the Womens International League for Peace and Freedom, 1915-1946. Syracuse: Syracuse University Press. Kreidberg, Marvin A., and Merton G. Henry. (1955). History of Military Mobilization in the United States Army, 1775-1945. Washington, DC: Department of the Army. Perret, Geoffrey. (1989). A Country Made by War: From Revolution to Vietnam—The Story of Americas Rise to Power. New York: Random House. Plaschka, Richard Georg, Horst Haselsteiner, and Arnold Suppan. (1974). Innere Front: Militarassistenz, Widerstand und Umsturz in der Donaumonarchie, Vienna. Weigley, Russell F. (1973). The American Way of War: A History of United States Military Strategy and Policy. New York: Macmillan.

Budgeting Issues :: essays papers

Budgeting Issues Music programs have a history of getting pushed aside in favor of subjects considered to be more academically valuable. From the 1970’s onward, music and arts have been routinely cut from school budgets. Until recently, New York City lacked almost any arts education program, and the Los Angeles school district had one specialty arts teacher per 4,700 students (Coeyman, 1998). According to the California Department of Education, the percentage of children who have access to music education has declined by half over the past five years (American). In addition, California schools are considering removing any music requirement for graduation (American). There are two main reasons for these cuts: money and test scores (Moran, 2004). In the wake of the No Child Left Behind Act, music education has been yet again squeezed from school budgets and schedules. With pressure mounting to raise reading and math scores, school administrators have added more reading and math classes th at leave little opportunity for elective courses like music (Moran, 2004). Music teacher employment has been decreased to the point that in Seattle, eleven teachers teach all of the elementary music classes in the district’s seventy schools (de Barros, 2004). No Child Left Behind Though No Child Left Behind is intended to improve the education system of the United States, interpretations of the act have lead to cuts in music education programs across the nation. While No Child Left Behind is a good idea in theory, in practice it has yet to work. The focus of funding has turned from what is good for students to what will help raise test scores. Paul Young, former president of the National Association of Elementary School Principals, commented on the trend among his colleagues to shrink funding for music education. As stated in a press release, â€Å"Music education helps a student learn ‘how to think,’ and without it schools are only ‘creating kids who are able to pass tests’† (Andrews, 2003). He is further quoted as saying, "When you take the arts away, particularly music, you're messing with a community's identity. Those principals out there who don't understand that and are only focusing on test scores are making a mis take" (Andrews, 2003). Secretary of Education Rod Paige echoes Young’s sentiments: â€Å"No Child Left Behind included the arts as a core academic subject because of their importance to a child’s education† (2004).

Proper decision making Essay

Proper decision making on which job to choose requires utmost thinking and weighing of possible trade offs. A dilemma is often faced when familiarity of a certain job is preferred over a new opportunity. In your two –year experience of working as a cashier and sales clerk, I know that you already have skills that helped you excel in your field. Let me share with my take on the subject matter. Since you are looking for a job, I would like to let you know that there is an opening at my current work place, Cosset Lounge. The lounge is a spa and massage center which is only two blocks away from my pad. You can work there as my boss’ assistant. The one who is best fitted for the position needs to have good communication and writing skills, excellent customer service and the capability to work with minimum supervision. The mentioned skills were in terms of the professional aspect only. As for the personal aspect, the assistant should have upright interpersonal skills. The job often deals with meet-ups with the boss’ VIP clients and suppliers of spa necessities. Therefore, a pleasing personality is definitely a must have. There are also times when you will monitor spa operations in a day to day basis. You might think that the job is way far from your old work. But, with the skills that you have and your desire to learn, you can easily adapt to the new working environment. I hope that you will opt for welcoming new experiences when it comes to enhancing your skills. In my humble opinion, I believe that you should enter a different arena for professional and personal growth as well.

Reasons Why Some Dont Get into Graduate School

Youve spent years preparing to apply to graduate school: taking the right courses, studying for good grades, and seeking appropriate experiences. Youve taken the time to prepare a solid application: GRE scores, admissions essays, recommendation letters, and transcripts. Yet sometimes it doesnt work out. You dont get in. The most qualified of students can do everything right and still sometimes not get admitted to graduate school. Unfortunately, the quality of your graduate school application isnt the only thing that determines whether you get into graduate school. There are other factors that have nothing to do with you that influence your acceptance. Just as in dating, sometimes Its not you, its me. Really. Sometimes a rejection letter is more about the graduate programs capacity and needs than about the quality of your application. Funding A loss of funding at the institutional, school, or department level can reduce the number of applicants they can support and accept.Fewer funds for Teaching and research assistantships can mean accepting fewer studentsMany students are admitted to work with particular faculty and are supported by faculty members grants. A change in grant funding means that some qualified students will not be admitted.You dont have control over any of these factors, but the availability of funding has a huge impact on the likelihood that you will be admitted to a graduate program. Faculty Availability Whether faculty are available and able to take on students influences the number of students who are accepted in any given year.Faculty are sometimes away on sabbaticals or leaves. Any students who would be accepted to work with them are often out of luck.Sometimes faculty are overloaded and do not have space in their lab for another student. Good applicants are turned away. Space and Resources Some graduate programs require that students have access to laboratory space and specialized equipment. These resources can accommodate only so many students.Other programs include internships and other applied experiences. If there are not enough slots, then well-prepared students do not get admitted to the graduate program. If you are rejected from your preferred graduate program, recognize that the reasons may not lie with you. Often there are factors are beyond your control that influence whether you are accepted to graduate school. That said, keep in mind that rejection is often due to applicant error or, more commonly, the poor fit between the applicants stated interests and the program. Pay attention to your admissions essay to ensure that your interests fit those of the faculty and program.

Preparing an Annotated Bibliography Essay - 902 Words

Preparing an Annotated Bibliography Lai, I. K. W., amp; Lam, F. K. S. (2010). Perception of various performance criteria by stakeholders in the construction sector Hong Kong. Construction Management amp; Economics, 28, 377- 391. doi:10.1080/01446190903521515 Ivan Lai from Macau University of Science and Technology, Macau and Frankie Lam from University of South Australia, Adelaide used a research model based on nine performance benchmarks and their corresponding performances. The intent of this research is to analyze the participants concern about the significance of perceived performance criteria and their relevant performance results in a construction project. The data of total 324 practitioners who were engaged in construction†¦show more content†¦Their research only supported three hypotheses issuing differences in the apprehension of performances of different practitioners in construction projects, different project kinds, and different practical roles in the partnering companies. These findings have been backed by Soetanto, Proverbs and Holt (2001), revealing deviations in the level of importance that was ascribed to differing performance criteria. In conclusion, Lai and Lam research clearly shows that people have differen t kinds of approach as far as criteria are concerned to measure their performance. Kozub, R. M. 2010. An anova analysis of the relationships between business students’ learning styles and effectiveness of web based instructions. American Journal of Business Education, 3, 89-98 Dr. Robert Kozub, an associate professor in the University of Wisconsin-Milwaukee, administered an analysis by using a sample of 159 Taxes and Personal Finance undergraduate students to examine the likely learning performance of students under web based usage. Dr. Kozub adopted four learning styles as determined by Kolb’s Learning Styles Inventory (LSI-IIa) and characterized them as Accommodator, Diverger, Converger, and Assimilator. He also used two web inserted instruction modules namely, text version and enhanced version with multimedia components. Of the 159 participants, 81 participants concluded in favor ofShow MoreRelatedGeneral Movements Assessment ( An Annotated Bibliography1587 Words   |  7 Pages †¢ General Movements Assessment (Summer 2014) o As an innovative teaching practice, the student completed an annotated bibliography regarding the General Movements Assessment (see Artifact XI.F.vi.1). This annotated bibliography was subsequently utilized for development of the Institutional Review Board Application (submitted to Cleveland Clinic and Cleveland State University) as well as with faculty development of regional and national conference presentations (Using Prechtl’s Assessment of GeneralRead MoreExamples Of Congressional Briefing1023 Words   |  5 PagesCongressional Briefing Extra Credit I. Was the assignment description clear? †¢ The assignment was completely clear. You provided us with detailed instructions for each task or section (annotated bibliography, briefing group meeting, and the briefing report). †¢ You even provided us with an example of how an annotated bibliography should look like and what was considered a peer reviewed academic article, which I think was very helpful. †¢ You even provided us with what would count as participation, which IRead MoreReading Choosing Civility For English 102 And Most Useful Assignment Or Activity And Why?878 Words   |  4 Pagessince I read the book. Prompt 3: Reflect on the annotated bibliography experience. How did it help you in writing or preparing to write your position paper? Unlike many students, I did not mind doing the annotated bibliography. I found that it took a long time to complete. It was a challenge to find scholarly articles and use the databases. Even though it was time consuming and a challenge if found it beneficial. It was my first annotated bibliography so it helped me learn and practice creating oneRead MoreEssay on How To Write Using the APA Writing Style1597 Words   |  7 Pagesone’s own work. It normally includes a title page, introduction section, and a list of references. Many confuse a literature review with an annotated bibliography, but the difference between a literature review and an annotated bibliography is that an annotated bibliography only summarizes briefly about an article that one viewed while an annotated bibliography focuses specifically on a topic. An experimental report, also know as â€Å"lab reports† is put shortly, a â€Å"story† of ones research where someoneRead MoreShould Women Be Allowed During Combat The Us Armed Forces?1561 Words   |  7 PagesCollect Information I believe I have more than enough sources to fall back on and expand my horizons with my annotated bibliography notes. When I was preparing for the annotated bibliography assignment I found some excellent sites that I did not use for that assignment and I will be going back to my notes and use some of the sites that I that I did not chose to add to my annotated bibliography. I also will be going back to Rio Salado’s Library online article database and review some journalist articlesRead MoreSignature Assesment Essay examples1054 Words   |  5 Pagesthe work I will do for NCU. I would like to use a thinking website to challenge my brain. I need thinking tips and using higher productivity as well as clarity of thought to write papers with integrity. 6. Preparing an Annotated bibliography-When I will prepare an annotated bibliography, I will use the NCU library as well as all the skill builders plus proof readers. 7. Creating Actionable Goals related to obtaining your Graduate Degree- All the goals that I plan to use will be strong and hopefullyRead MoreDevry Engl 147 All Discussion Questions – Graded1196 Words   |  5 Pages Preparing the Research Proposal (graded) How important is it to be personally invested in an idea? Can you sell an idea that you have no stake in? Why or why not? Using one of the resources from the Course Readings, provide an example of an author who is communicating in a way that tells a reader that the author is credible and is a trustworthy source. WEEK 4 Annotated Bibliography Entries (graded) In your textbook (pp. 325–326), you’ll find a model of an annotated bibliographyRead MoreJadm 430 Complete Course - Devry ( All Assignments - Dqs and Midterm Exam)3666 Words   |  15 Pages2, 5, and 6. There are four components to the Course Project. †¢ title page, topic discussion, and a list of three references †¢ annotated outline †¢ annotated bibliography †¢ Final Paper Requirements †¢ APA guidelines must be followed for all course component deliverables. †¢ At least six authoritative, outside references are required for the annotated bibliography and the Final Paper. †¢ All DeVry University policies are in effect, including the plagiarism policy. †¢ The Final Paper isdue inRead MoreAnnotated Bibliography of Articles on Service Learning839 Words   |  3 PagesService Learning Annotated Bibliography American Association of Community Colleges. (2011). Service Learning. HYPERLINK http://www.aacc.nche.edu www.aacc.nche.edu. The source offered by the American Association of Community Colleges (AACC) details the growing emphasis on service learning in higher-education contexts. Particularly, the source offers a number of statistical figures indicating that 60% of all community colleges offer some comprehensive form of service-learning curriculum. ThisRead MoreReflection On The Field Of Organizational Psychology963 Words   |  4 Pagesapproaches. However, becoming more fluent in each of these methods is what I strive for. In order to do this I plan to continue to learn as much as I can from future courses, and on my own accord. In creating abbreviated research plans and annotated bibliographies throughout this course I learned a lot about my writing skills. According to Laureate Education, Inc. (2009b), writing is an essential piece of research (Laureate Education, Inc., 2009b). Writing is relevant in the research process. In documenting

Analysis Of The Book Two And Three Things I Know For Sure

In the book ‘Two or Three things i know for sure’, Dorothy Allison who tells her story growing up in a memoir and she uses her experiences to explain the two or The things she learned. What makes this her story stand out is not just that it s a memoir but also because the main point is beauty and how women in her family were put down and abused because of their appearance. Throughout this whole book Dorothy tries to send out one important message on beauty which from my understanding beauty is not based on what men say or society says, we live in a world where a woman s beauty is determined whether a man find hers beautiful and that must stop. Timothy Dow Adams who read’s ‘Two or Three things i know for sure’ writes his review on it, and his understanding of Dorothy Allison s points of views. In pages 32 through 34 from the Book ‘Two or Three things i know for sure’ Dorothy includes an image of her family, more specifically the women in her family. Now in page 32 Dorothy explained that the women on her family were not considered beautiful stating, â€Å"the women of my family were measured, manlike, sexless, bearers of babies, burden and concept† (Pg.32) with that she incorporates the image of the women were she says that they look â€Å"exhausted†, â€Å"old†, â€Å"ugly† and she goes on to give a brief description of the type of clothing they were wearing and on their appearance where she say’s â€Å"solid, stolid, widehipped baby machines. We were all wide- hipped andShow MoreRelatedAnalysis Of Dorothy Allison s Book Two Or Three Things I Know For Sure 1677 Words   |  7 PagesThis semester we have done many reading’s that have touched on topics such as race, gender, sextuality, and more. One reading that stands out though is Dorothy Allison s book â€Å"Two or Three Things I Know For Sure.† This reading discusses Dorothy s childhood in a way where you get th e picture of the true effects of poverty on her family, and herself. This look into her life can show the reader a real life depiction of her emotions and feelings at any given time in her life. This story of her lifeRead MoreMy Strengths And Weaknesses Of The Pearl Essay952 Words   |  4 Pagesthe years of high school English I have taken, I’ve become more and more aware of my strengths and weaknesses. The Pearl Essay was the first paper I wrote analysisinp a book. Writing The Pearl essay made me more aware of strengths and weakness I didn t even know I had. Ive realized that I struggle with being redundant, having a strong introduction and keeping everything related to the thesis. Although I stumbled upon some weaknesses I wasn t aware that I had, I also found some of my strengths.Read MoreStudy Skills Guide For Note Making Essay1712 Words   |  7 Pagessubject, right? No, of course you don’t. You’ve got to start off with an essay plan. By designing this you’ll come up with the structure. A well thought-out structure is at the heart of every good essay. What is a good structure? It isn’t enough to make sure that you have an introduction at the start, a conclusion at the end, and the other stuff in between. So what do you need? 1. You do need a solid introduction. It will probably contain something about how you have interpreted the question, and it isRead MoreAnalyzing and Summarizing Math Data1438 Words   |  6 Pagesliving in the household) 4. YEARS (the number of years that the customer has lived in the current location) 5. CREDIT BALANCE (the customers current credit card balance on the store s credit card, in $). |PROJECT PART A: Exploratory Data Analysis | | †¢ Open the file MATH533 Sept 2013 Project Consumer.xls from the Course Project Data Set folder in Doc Sharing. †¢ Students MUST downloadRead MoreMaruti Suzuki s Market For New Learners Essay1373 Words   |  6 Pagesfactors etc. Fundamental Departments in CM Auto Sales There were mainly three departments working in CM Auto Sales. All were located nearby Chandigarh and relates to one another. Following are the department of CM Auto Sales located in tricity of Chandigarh:- 1. Accounts Department As the name states, accounts department handles all the records of accounts of various firm, issuing cheques, employment funds, book keeping, financial statements and all other records. Following are the main dutiesRead More5 forces of Porter Rolls Royce1629 Words   |  7 Pages(+1) forces of Porter matrice: For this case I will use the company Rolls Royce. Not the one which build cars but the historic one which create motors for aviation, marine or energetic solution. First let’s have a presentation of this company: Rolls Royce was founded by two men in 1906 in England, Henry Royce and Charles Rolls. They were producing motors for planes. The important thing we have to know is their motors were used a lot during the two World War. For example during the first oneRead MoreTrail of Tears1191 Words   |  5 PagesStandards: Students will read, write, listen, and speak for information and understanding. Students will read, write, listen, and speak for literary response and expression. Students will read, write, listen, and speak for critical analysis and evaluation Lesson Objectives: Students will: -Read and understand how â€Å"Weasel† relates to US and Native American history -Explore the history and culture of Native Americans -Read and understand primary and secondary documents thatRead MoreThe Ethical Analysis Assignment Is Still Alice By Lisa Genova1618 Words   |  7 PagesSummary The book that I chose for the Ethical Analysis assignment is Still Alice by Lisa Genova. The book revolves around, Alice Howland, a 50 year-old linguistics professor at Harvard University. In the beginning of the book, Alice seems to be in perfect health. She runs frequently and seems to be in great physical shape, but she soon realizes that something isn’t quite right. Alice begins forgetting small things, such as to sending an email to someone in her department for work, which she attributesRead MoreSummary Of If You Give A Mouse A Muffin 980 Words   |  4 Pagesthird visit I started to keep running records of Jimmy’s reading. I collected three samples of his reading to be able to really asses his reading using miscue analysis and his CWPM (correct words per minute) and his WPM (words per minute). The first book that Jimmy selected was an AR book that was titled â€Å"War of the Worlds†. Based off of the AR guidelines it was a 3.2 reading level. This means third grade second six weeks. The next two samples were from a book that I selected. That book was titledRead MoreMy First College English Class973 Words   |  4 Pagessemester in English 111 I grew by leaps and bounds. I learned to use the resources that are out there, like paper rater, the textbook and many other awesome websites and books. I learned what a rhetorical analysis essay was. Then believe it or not, successfully wrote two rhetorical analysis essays of my own. As the semester went on I feel like I grew more and more confident in my knowledge of the material. I honed my skills in writing by utilizing the meal plan and writing essays. I began the semester

Principles of Insurance Samples for Students †MyAssignmenthelp.com

Question: Discuss about the Principles and Practice of Insurance. Answer: Insurance The insurance business is focused to protect the values of the financial assets of a person or an organization. Insurance is a type of saving which assist in protecting the people against several risks. The consumer perception regarding the value of the insurance organizations have changed dramatically due to several l factors. The millennial population no longer trusts on the insurance organizations after the 2008 financial crisis. The financial crisis resulted in reputation damage and loss of trust of a number of organizations. The consumers perceive the insurance companies according to the online services provided to them. The young population is digital-savvy so they look for the financial institutions which provide the best services to the consumers. The consumers below the age of 35 are more vocal regarding the service quality provided by these organizations. The consumers are also attracted towards the organizations which provide services at better pricing. The competitive pricing is an important factor for the insurance buyers. The companies should focus on providing competitive pricing in social bills, price, and rates for insurance claims. The value for money is integral in the advertisement and promotion as the customers are highly vocal regarding the savings and discounts offered to the customers. The consumer perception regarding the benefits provided by the organization is associated with the ability of the organizations to protect the basic rights of the consumers. There are four basic rights of the humans, namely, right to safety, right to be fully informed, right to be heard and right to choose (Buhler et al., 2016). According to EY Survey, the consumers have very low trust relationship issues. The insurers have a very high consumer turnover rate and a large number of consumers switch their insurance companies. Moreover, the traditional approaches of customer loyalty and dependability are not applicable to the insurance companies. It is possible that the consumers are loyal; however, they want to explore new options or new policies. Therefore, the companies need in-depth customer intelligence across different customer segments. In the insurance industry, the interactions between customer and insurer are very limited. Therefore, each instance of interaction can shift the perception of the customers toward the organization. In the insurance industry, the consumer perception depends upon the interaction of the insurance agents and agents in their limited meetings. It can be deduced that in the insurance industry, the consumers desire for meaningful, frequent and personalized interaction with the organization. Although digital and remote options are fast reaching; however, the consumers still gravitate toward traditional contact and interaction methods (EY, 2014). According to basic principles of insurance, for a risk to be insurable it needs to meet the certain criterion. It includes that the loss must be random in nature otherwise, the insurer will engage in adverse selection. Secondly, the insurer must be able to charge a premium which can cover the damage of insured as well as insurers expenses (Hillson, 2012). The nature of loss must be financially measurable and definite. When evaluating the mentioned scenarios against insurability, following results rare obtained: a) Rusting of unprotected iron structure is uninsurable risk as unprotected iron structure will eventually get damaged. Therefore, the loss is not random. b) The genetic defects which can affect 9 of 10 new born babies is not an insurable risk as there is high chance that the next male baby born into the family will be affected by the disease c) A person can be insured against cancer when he is completely healthy. The insurance amount will reflect the earnings and the emotional impact of the demise of the person d) The eventual obsolescence of a personal computer cannot be insured because it is an inevitable future. It is not a risk but a certainty and the insurance company will be harmed if it engages in such types of insurance. e) A person cannot get insured against losing money at insurance. It is due to the fact that a person cannot get insured against speculations (CTI Reviews, 2016). Today, insurance is an integral part of the society. It offers a variety of advantages and benefits to the people. Firstly, it protects the wealth of society. It protects against human wealth loss. The insurances also offer protection to stabilize the business condition and the financial position of the society. The insurance also reduce the social evils in the society. They maintain standard of living and rescue people who are hit by misfortune. Insurance plays a significant role in creating provisions for old age, sickness and disability of person. It also assists in distributing accidental loss in equitable manner (The Truth about Insurance, 2017). Insurance provide benefits to the individuals in the society in several ways which are discussed below. The most important benefit of insurance is that it provides immunity to risk. It provides payment to losses which can benefit to the individuals The second benefit of the insurance is that it manages cash flow uncertainty. Insurance provide payment for the covered losses whenever they occur. The individuals engaging in business actively engage in risks as the uncertainty of paying from pocket is reduced significantly. Another benefit of insurance for individuals is that it allows the people to engage in legal compliance as insurance requires statutory and contractual requirements and provide evidence of the financial resources. In business organizations, insurance encourages risk control activities. The insurance organizations provide incentives to create a loss control program within the organization. It also assists in the efficient use of the financial resources of the insured person. The insurer makes it unnecessary to put aside a financial amount to cover the losses due to exposure to any risk (Butler, 2012). References Buhler, P et al. (2016). The consumers view of consumer protection: an empirical study of the Swiss insurance market. Institute of Insurance Economics, 57. Butler, R.J. (2012). The Economics of Social Insurance and Employee Benefits. Springer Science Business Media. CTI Reviews. (2016). Principles of Risk Management and Insurance. Cram101 Textbook Reviews. (2014). 2014 Global Consumer Insurance Survey. Retrieved on 15 ay 2017 from https://www.ey.com/gl/en/industries/financial-services/insurance/ey-2014-global-customer-insurance-survey Hillson, D. (2012). Managing Risk in Projects. Gower Publishing, Ltd. The Truth about Insurance. (2017). What Are the Benefits of Insurance and Why Does It Exist? Retrieved on 15 ay 2017 from https://www.thetruthaboutinsurance.com/what-are-the-benefits-of-insurance/