... will examine the costs and benefits to the building societies as well as those to the members and staff. The Costs and Benefits to the Building Society Conversion to plc status is seen as having the major advantage that there would be freedom from the limitations imposed by the Building Societies Act 1986, 1997 the statutory framework for the Building Society industry. The restrictions the Act impose include the following: 1) 75% of all lending has to be secured against residential property This means that Building Societies are limited in their participation in the more risky, but more r ...

... in manufacturing the gloves, which has of course resulted in a higher latex exposure. And because of Latex being an allergen, the repeated exposure to it may become life threatening. Some types of allergic reactions are as follows: ICD – Irritant Contact Dermatitis – Because of around 200 different compounding chemicals in the gloves, and not properly washing hands after use an itchy, irritated, dryness occurs on the hands. ACD – Allergic Contact Dermatitis (Type IV) – is a delayed reaction to the Latex and usually occurs 24 to 96 hours after exposure. The symptoms of this certain r ...

... on your driving style and conditions. Your car is more likely to need an oil change at 3,000 miles if you live in a metropolitan area where you face stop-and-go traffic, polluted air, and very hot temperatures. Oil change is very easy to do; you don’t always have to go to Jiffy Lube or other instant oil change places to get it done. You can buy quarts of motor oil at almost any store and change them yourself. This way you can ensure the oils are of top quality and the job gets done right. Things you will need--- -3-ton hydraulic jack, jack stands, wheel chocks, and a socket-wrench set, new oil filter, ...

... responses to this international cancer encouraging results, particularly in the Western Hemisphere. The United Nations, through the activities of its International Drug Control Programme, the actions of its International Narcotics Control Board, and the upcoming General Assembly's Special Session on Drugs, is a key component of the global response to this common threat. 1997 was a good year for international drug-control efforts, particularly in the Western Hemisphere. Appreciable gains were made in crop reduction, in interdiction, in weakening trafficking syndicates, strengthening law enforcement, and in t ...

... for the Society of Professional Journalists (“Code of Ethics” 1). According to the SPJ, each individual in the media is aware of their code of ethics. An important ethical concern of the society is that journalists need to be accountable to their readers, listeners, viewers, and each other. They are responsible to “test the accuracy of information from all sources and exercise care to avoid inadvertent error” (1). The society does not permit the deliberate misuse of information. Not only that, but “unethical practices of other journalists…should be uncovered and exposed̶ ...

... provide service to the community." Unfortunately most business is only interested in making money and can careless about social issues, unless it in the long run will help make more money. Ben & Jerry's seem sincere to want to make a noticeable difference in the world. The Ben & Jerry's foundation, established in 1985, receives 7.5 percent of the company's yearly pretax profits, which is donated to charities. Ben & Jerry's has two bottom lines: one is profit and, the other is "how much the company contributed to the quality of life." The Peace Pop and Ice Cream bar on a stick was packaged with a message saying ...

... we dream nothing is being made up, it all comes from instincts and personal experiences which have all been biologically determined. Another interesting idea was Freud's theory of dream occurence. This theory states that dreams occur in "ego collapse", which is when the Id and the Superego close in upon the Ego. Most of Freud's theories are still supported today by well renowned psychologists, especially those dealing with the defense mechanisms our body uses while we dream. Dreams take place when we regress, repress, or deny things going on in our lives, which causes an interanl conflict. This conflict, in ...

... Depression is often associated with suicide, but the problem can usually be prevented with proper treatment such as counseling or anti-depressants. About five to ten percent of teens at some time in their life suffer from depression, and if not treated properly, depression can lead to suicide in almost fifteen percent of those troubled teens(“The Demon Called Depression,”pg.12). Depression is the typical trigger for most suicide attempts. For example, in the novel Who Killed Christopher? by Irina Korschunow, a boy named Christopher suffered from depression for a while but no one ever figured it ...

... to do exactly that, force the reader to question his/her own existence. This is proven in several of the topics the characters discuss; they discuss death, dying, God, existence, faith, and morals. Stoppard’s intentions may have been to make the reader question his/her own feelings towards these events and their beliefs. He presents these questions through two main characters; these characters never seem to answer the questions that arise. They merely ask more questions. Because the story is unable to answer any question the reader may ponder, I must do what is closest to the prompt and present the question t ...

... creed, age, gender, or social status. The approaching millenium brings even more terrorist acts than ever due to the fact that the millenium is thought to be the Apocalypse. Satan, the Christian version of the Devil, and its counterparts are prophesized to roam the earth after the Apocalypse. Some terrorists think that they are trying to prepare this world for them. Even though this group numbers few, the destruction its members cause is quite large-scale. Currently, there are over 90 major terrorist organizations worldwide, making terrorism a very urgent ever-growing problem. However, the number of co ...