Should sick people pay more for health insurance Research Paper

Should sick people pay more for health insurance - Research Paper Example However, I do not think sick people should pay more for health insurance. This is because doing so would create several ethical issues that may in turn lead to crisis. It is worth noting that the value of life cannot be quantified by money. Making sick people to pay more for health insurance would create some shadow of discrimination amongst the people in the society. The feeling of not being wanted would set in the sick. Surely the sick need the support of the society to keep them psychological and emotionally strong. They need this support more than the healthy. When such a thing happens, we would be killing these people by making demanding much from them instead of supporting them. Besides, sickness is not a permanent condition thus it is wrong to assume that if someone is sick today, then they will be sick tomorrow. It is therefore unnecessary to make people pay more when their conditions are not permanent. It will therefore inhuman to subject the sick in more expenses when they need our

Philosophy Historiography Marquis De Sade Essay Example | Topics and Well Written Essays - 500 words

Philosophy Historiography Marquis De Sade - Essay Example Again, their necessity is being suggested and needed for a person to form a true sense of self and separation from others. In the example of Vlad Dracula, the terrible vampire who used to suck the blood of its victims at night, all three notions of power, pleasure and violence are combined. Dracula is devoid of sympathy, love, caring feelings, but is filled with a strict sense of self. He embodies egoism and selfishness, clearly separating himself from his victims in his being superior to them. Another example in this subject is that of the witch hunts. A few centuries ago, people started fearing people (especially women) who tended to exhibit unusual features, abilities or powers. They could be healers, women who know a rare profession or one that impressed or baffled others. Whatever the case was, these women were denounced as others, witches, evil women that desire to cause harm and evil deeds to others. Everyone who did not fit the normal standards was at risk to be deemed as such, and at a certain time, things got incredibly out of control, as hundreds and thousands of people were cast off and killed due to their different "self", for their being "other", as the community defined it. These and other crazes in the 16th and 17th centuries (but also in other centuries) illustrate that there was a fear of others, of strangers, of people with capabilities that exceed the norm. In other words, a collective sense of self for the community was defined, and anyone who did not live up to those standards and protocols faced a terrible punishment, which was usually death. Here we see the use of violence and power the majority has over the minority, the individuals. We can see that religion has had its part in these matters. First, religion often deals with the issues of power, violence and pleasure. Generally, Christianity (as

Market plan task 2 Essay Example | Topics and Well Written Essays - 1500 words

Market plan task 2 - Essay Example Based on the company and the current position, it is clear that Starbucks has a strong product profile and the company is very ethical and has also developed products to meet the needs of the children as well. Keeping in mind the current interest in healthier lifestyles, the following recommendations can be made to the company for their marketing. Also a detailed explanation of the marketing mix has also been provided below. The recommended strategy for the company is to develop product extension. Here the company can effectively introduce new products to the current menu. The main aim and target audiences here are the younger customers. Hence the company can introduce the products to meet the needs of these individuals. The following details in the marketing mix helps provide a better understanding on the inclusions that the company can make to their menus as a product expansion. Product: In terms of the products, the company needs to focus on introducing new kid size drinks. These drinks need to be less caffeinated, less sweetened and also need to met the health norms. The products should be available in low calories for young adults below (Hakansson and Waluszewski). Since it is clear that healthier options like fresh fruit juices or other nutritional choices will not help the customers stay away from the high calories (Rudelius). Hence here the company can take an initiative by introducing the same products however with low fat and calories for the children. Place: In terms of place, the company can continue to use the current place for the children as well. Here they can however also include a more appropriate setting and environment for the younger audiences (Jobber). This will help keep up the current environment of the adult audiences and will also provide the younger customers with a more appropriate place (Hakansson and

The Development Of Ideas In Creative Process Of Zaha Hadid Essay

The Development Of Ideas In Creative Process Of Zaha Hadid - Essay Example This was attributed to a split in society into competing social fragments, as well as specialization of knowledge into categories such as painting and architecture, which previously were considered to be in the integral class of arts. Works of architecture are products of art in the form of physical buildings and some other physical infrastructure, and which have cultural significance such as history of civilization. Architecture is hence not just a product distinct from art. It can be argued that architecture is in fact art, but in more physical and tangible forms such as buildings and other infrastructure . In the ancient civilizations, the architectural designs were not just magnificent; they had monumental value that still lingers to date. It can be well argued that ancient architects developed such monumental forms of architecture because they upheld and embraced a much-intertwined connection between art and architecture. Essentially, it was not possible to depict the distinction between architecture and art during the ancient times. A few architects in modern times like Zaha Hadid have fortunately borrowed a leaf from the ancient times, and have recognized and demonstrated a fundamental connection between art and architecture. ... Subsequently in recent times the artistic spirit in architects has caved in, as beauty, environmental and historical significance of building continue to be perceived as aesthetic and an unnecessary consideration. With this shift in priority, architectural articulation of artistic beauty and creativity is rapidly becoming something of the past2. With the current rapid revolution in information technology, the abilities and functions of architects will be able to be accomplished using computers; architects may have to revive the artistic fortitude that will move them beyond designing more than just functional infrastructure, but ornamental as well. However, the contribution of Zaha Hadids in illustrating the possibility of blending architecture and art cannot be emphasized. This paper seeks to prove a review and critical analysis of Zaha Hadids contribution in shaping future the architectural industry and profession. However, art, regardless of recent developments, still forms a spher e from which emerging architectural and technological inventions can be explored. It serves as an incubator for ideas, especially architectural ones, ideas that must be tested and investigated before being subjected to the real life pressures of performance. Art thus provides a platform for experimenting with ideas before they are actualized in real life situations. Every discourse, discipline and practice employs the system of art as a platform to brainstorm and experiment on new ideas. In 2006, Daniel Libeskind opened a new kaleidoscopic wing for Denver Arty museum, and which has been largely regarded as an architectural fantasy. This example reinforced an observation that quite often the architecture of museums stood as the real work of art that overshadowed the pieces of

Case Study on Comparison of Crowdfunding Sites

On Comparison of Crowdfunding Sites - Case Study Example This is an especially crucial aspect of a Crowdfunding website considering most visitors look for features such as supported projects, the Crowdfunding program’s history, and operating model (Kickstarter Inc., 2015). However, considering contemporary websites place these links at the bottom of the homepage, it is understandable for Kickstarter to follow this trend. Indiegogo’s website took nearly half a minute to load, which is an indication of high traffic. The homepage has a layout nearly identical to that of Kickstarter in terms of the arrangement and the selection of links at the top, middle, and bottom of the page. Similar to Kickstarter, Indiegogo’s site has a few links at the top, which include a search bar, sign up and sign in options, â€Å"Explore,† and â€Å"How It Works† (Indiegogo Inc., 2015). The middle of the homepage also mimics a news section that displays the most recent developments for project starters and potential funders. However, unlike Kickstarter, Indiegogo’s site includes several additional sections dedicated to praising the site’s most successful project placers, funders, and the website itself. These sections are â€Å"Trending Now,† â€Å"Personal Fundraiser Spotlight,† and â€Å"why Indiegogo† (Indiegogo Inc., 2015). The bottom of the page has links fo r assisting users interested in starting their individual campaigns or knowing more about Indiegogo as a Crowdfunding platform. Kickstarter does not thoroughly describe a compelling need for the project to be funded. The home page focuses on the best selections by the campaign staff, which includes the number of pledged, funded, and supporters available for given projects. In the page â€Å"Projects We Love archive,† Kickstarter merely lists the best projects in need of funding while using the project starters’ descriptions alone to persuade potential funders (Kickstarter Inc., 2015).

Most dangerous game Essay Example for Free

Most dangerous game Essay In the short story,† The Most Dangerous Game†, by Richard Connell, the author uses irony in the short story to support the theme of the book – the roles of hunter and hunted frequently reversed. In the short story, Rainsford, a big game hunter, believes that he is being persuaded by General Zaroff hunt humans with the general. However, Rainsford realizes the truth – he is going to get hunted by Zaroff, not hunting with him. â€Å"You don’t mean – â€Å"cried Rainsford. †My dear fellow,† said the general, â€Å"have I not told you I always mean what I say about hunting? †(11)is an example of situational irony because the reader didn’t expect Rainsford, the big game hunter, to become hunted . The quote supports the thesis because it shows the quick reversal of the role of hunter and hunted in the short story. This quote shows that the role of hunter and hunted are not set in stone; Rainsford realizes that he is losing a role that he had always assumed he would always have. He is big game – not a big game hunter. However, the fluidity of the roles of hunter and prey also works to Rainsford’s favor. After jumping into the ocean, Rainsford swims to Zaroff’s lair and confronts him in a duel. † I congratulate you,† He [Zaroff] said. †You have won the game. † Rainsford did not smile. †I am still a beast at bay†(15) shows the change in the roles of Zaroff and Rainsford. Rainsford infiltrated into Zaroff’s home and is now getting ready to kill the general, regardless of the fact that the â€Å"game† is over. It is what the reader least expects, thus a piece of situational irony because prey run away and get hunted down and killed by the predator Instead Rainsford becomes the hunter, and now his demands rules supreme. Zaroff was ambushed by Rainsford and is now at his mercy. He is now the prey, and the rules that he made while hunter are irrelevant. This situation was clearly different from page 11, where the general cheerfully informed Rainford that he was going to be hunted down and killed, thus supporting the thesis that the roles of the hunted and the hunter are changed around. This shows that the author used irony to show that the roles of predator and prey are interchangeable.

Shampoo Market Analysis

Shampoo Market Analysis The shampoo market is one of the fastest moving and innovative sectors of the FMCG market. It represents 35 of the EU hair-care market and is lead by three main competitors, Procter and Gamble, Unliver and LOrà ©al who own corresponding market shares 44.9%, 17.7% and 11.4%. The attached report discusses the following points: Main market competitors Growth, decline, trends and developments in the shampoo market Strengths and weaknesses of the main competitors Segmentation of the market and differences between competitors segments Customer profiling and behaviour Shampoo purchasing process It is recommended that in order to achieve a substantial share of the market competitors must cater for as many of the different needs of customers as possible. Wella caters for a wider spectrum than the other competitors: various mens needs, various womens needs and even the elderly. It supports this theory as it has the highest market share as a company. They must also take into consideration the disposable income and current family situation of the customer. They must price products adequately in order to enable the correct targets to purchase their specific product whilst still making profit as a business. Introduction This report was commissioned to analyse the size, structure and segmentation of the UK shampoo market. Shampoo is a Fast Moving Consumer Good (FMCG) that is the cheapest and fastest moving good within the FMCG industry. Within this we focused on the three main competitors; Proctor and Gamble with a 44.9% market share, Unilever with 17.7% and LOrà ©al with 11.4%.We analysed each competitors strengths, weaknesses, methods and processes to target each segment of its market. Main competitors Globally shampoo is the leading segment of the hair care industry holding a 40% share of the market. The leading competitor of this sector is Proctor and Gamble (P G). Similarly, the same trend follows within the EU as it is again the most profitable segment of this market with a 35% share of the hair care market. The same competitor, P G, also leads the EU industry with 24% of the market value. Growth And Decline Since the recent recession, the hair care industry has not emerged unscathed. According to Mintel the recession led to a quarter of shampoo users spending less on shampoo, thus contributing to the  £15 million slide in market value between 2008 and 2009. However, revenue statistics from 2012 show that there was a 3% expansion in hair care products between late 2010 and early 2012, this is supported by the predictions of analysts that shampoo revenue will reach  £19 billion by 2015. Innovation and an ability to adapt helped the hair care market to survive the economic crisis demonstrated by the 165% increases in new product launches between 2006 and 2008. Trends And Developments There has been a number of developments to Shampoo over the years since it first became a product in 1762. In 1890, this then developed into a detergent product, and then the product became further enhanced when in 1903, Shampoo became a powdered product for the first time. The first shampoo product to appear as it does nowadays came about in the 1960s. Most recently, consumers who are looking for a quick beauty fix have helped the dry shampoo market double in size in the past two years. Sales have rocketed by 140 per cent year on year, and research by Mintel found 23% of women and 13% of men own a bottle of dry shampoo. According to Mintel it is especially popular amongst younger women, with nearly 4 in 10 of those aged 16 to 24, compared to 1 in 10 of the over-55s. They also predict that dry shampoo sales will reach up to  £17million this year. A trend that we noticed whilst researching was penetration pricing which is when a business initially sets a low price when entering a new market. When the product becomes established, the company gradually increases its price. We found that around 80-85% of companies launching a new shampoo in the market use penetration pricing as their entry mode strategy. An additional significant trend that we can see in the shampoo market sector is the constant demand for innovation; a brand must maintain its competitive advantage by continuously promoting its brand and undertaking research development. This helps to avoid losing market share and customers to its competitors. Out of all the products that are launched in the UK, a 1/4 of those are new shampoos. One example is the launch of Tescos new affordably priced, high quality range called HBM which targets those most affected by the crisis, offering them professional, salon quality formulations on a budget. Strengths and Weaknesses In order to compare the companies, we analysed their strengths and then their weaknesses. Firstly we studied the strengths of the global leaders Proctor and Gamble being that they operate on a large scale and have a strong brand portfolio which includes the well-known Wella brand. A further strength is that not only do they offer shampoos; but they also offer a wide variety of other household goods: Pampers, Ariel and Duracell. We then studied Unilevers strengths. The group contains many successful brands including shampoos such as VO5 and Tresemme and other FMCGs (Pot Noodle, Comfort, Vaseline and Lynx); if one brand were to suffer fluctuations in sales, it would be supported by the success of another. Within Unilever, each brand is successfully advertised and promoted. A further strength is that there is constant research and development suggesting that Unilever is competing to offer the best they can. Lorà ©al doesnt have the support of being a brand within a group however; it is more concentrated in one market (the cosmetics market) therefore bases its strengths in its portfolio. It is a global competitor and supports its UK market with sales in other countries (130) and employs very successful promotion and marketing techniques through celebrity endorsements. The primary weakness evident with all three main competitors is the stiff competition that they are subject to within the cosmetics market resulting in constant research and innovation. When studying the weaknesses of these organisations we found that Unilever and PG share similar weaknesses as they are groups which are not concentrated on one market. This can mean they have less expertise and experience possibly being a hindrance. (subivision) LOrà ©al has a competitive advantage to these two due to its one market focus. LOrà ©als decentralised organisational structure can be considered an internal weakness as it causes difficulties in managing their world-wide spectrum, a weakness also shared by Unilever and PG. High promotional expenses, primarily from celebrity endorsements, mean that higher investment is taking a substantial risk when launching a new product range. Segmentation This market sector can be segmented in many ways. Firstly it is segmented via demographics; the gender, age, race, religion and income of a person, within which it can be segmented further into life stages. For example an employed bachelor with a house and only himself to provide for, therefore having a higher disposable income, is able to spend money on luxury products including shampoos. However on the contrary in a Full Nest 1 situation, the disposable income is allocated to the needs of others e.g children. A further method of segmentation is through psychographics. This segment considers: the activities, interests, opinions, attitudes and values of customers. In relation to shampoo industry, the attitudes and values of customers are considered greatly importance. The psychographic segment has recently become more importance to companies as customers wanting organic and animal friendly products has become an increasing segment with sales increasing by 24% between 2011-2012. LOreals purchase of the Body Shop in 2006 also opened its doors to a wider customer market. By adopting some of The Body Shops policies such as no animal testing, the refusal to use chemical and products made with natural ingredients, Loreal has recently launched a new line of product befitting to the profile of customer whos psychographics influence their purchase choice. Thirdly there is behavioural segmentation via occasions. However we found that this is not a role taken by the company but a decision taken by the customer. It can be suggested that women in particular tend to use a specific shampoo for a specific occasion. We found that only one shampoo, Tresemme, catered for this type of segmentation, selling their range of salon quality shampoo. Competitor Differentiation Within the shampoo market, the competitors segments differ somewhat. LOrà ©al have always been known to have more of a focus on women, as do most shampoo brands including Wella, which we can see through their recent adverts. However, in recent years as men have started to place more of a focus on self-grooming, LOrà ©al has developed both shampoos and beauty products for them as have Wella. Wellas range is segmented into more specific needs of men than LOrà ©al, whose range is less extensive. Vo5 however, have equal gender segmentation within the brand but not with their shampoo range. Customer Profiling Wella segments its range into two main sections; men and women. Within its range for women it profiles its customers by further segmenting into different needs. Its main focuses are: sun damaged hair, condition improving, older age depleting hair and protection for coloured hair. Its focus is similar to those of other brands however it demonstrates some product differentiation in being the only one of the three main competitors which provides a shampoo to care for sun damaged hair. The bottles retail at  £4 each showing that although the needs of the customer may differ, the price remains constant. Wella has a rather extensive range of 10 shampoos to suit the needs of men all of which also have their corresponding conditioners. Their range includes: Hydrate, Repair, Volumise and again SP Sun like with the womens brand. They are more expensive shampoos than other brands on the market for men as they retail at around  £9 per 250 ml bottle. The 3 most famous brands in the Unilever group are Vo5, Tresemme and Sunsilk. Vo5 are the most recognised brand used by many people and focus on two main segments; gender and styling. As previously mentioned the gender segment is divided equally within the brand, however, they only offer shampoo for women but styling products for both. It can also be noted from publicity that the brand target a young audience of teens and young adults. LOrà ©al has 4 main segments for its shampoos which are directed at: women (selling through a company called LOrà ©al Paris), men (selling through a company called LOrà ©al men expert), the elderly and children (selling through companies called LOrà ©al kids and LOrà ©al Elvive Age Defying).It also has a small expert range of supposedly higher quality products at higher prices aimed at a higher class. Within these demographics its products are split into the different needs of its consumers. Expert Loreal also produce a higher quality, higher priced and ultimately higher class shampoo called hair expertise consisting of: Everpure includes a range of 9 products of which 3 are shampoos: colour cair and moisture, colour care and volume and colour care and smoothing Eversleek includes a range of 6 products of which 2 are shampoos: smoothing and moisture and smoothing and intensely nourish Everstrong includes a range of 3 products including only one shampoo : reinforcing and vitality These are separated into the various needs of the consumers; colour care, nourishment, volume, smoothing and moisture similarly to other loreal shampoos but these are aimed at a more affluent customer retailing between  £6 and  £8 a bottle 16Loreal women- Emma Loriel Elvive for women is broken down into 5 different needs within the demographic They are: coloured hair consisting of a range of 6 products of which 2 are shampoos; Colour protect and Nourish and Shimmer which both retail at  £4 a bottle Hard to manage hair consisting of a range of 7 products of which 2 are shampoos; smooth silk light and smooth silk intense which also both retail at  £4 a bottle Dry and damaged hair consiting of a range of 15 products of which 4 are shampoos; damage care ,triple resist, full restore 5 and re-nutrition which again all retail at  £4 a bottle Long or dull hair consisting of a range of 10 products of which 2 are shampoos; nutri gloss, nutri gloss light and nutri gloss crystal which like all the ranges we have seen so far for women retail at  £4 a bottle And normal hair consisting of a range of 9 products of which 3 are shampoos; multi vitamins and the nutri gloss range is also directed at this group. Again these shampoos all retail at  £4 for a 400ml bottle. So as we can see although the target market for each type of shampoo changes for the specific needs of the consumer, the price doesnt and remains consistent throughout. also: conditioners, sprays, serums, 2 in 1s, hair masks 17LOreal men- Jade Within the demographic for men Loreal Elvive Men Expert is broken down into only three different segments: Anti dandruff intensive 2 in 1 shampoo and conditioner, Anti dandruff normal to greasy hair shampoo and regenium xy body building shampoo. These all retail at the same price as womens shampoos  £4 for a 400ml bottle. There are other products in these ranges for mens haircare mainly being styling products, but it is noticeable that the spectrum of products is much wider for women than it is for men. 18Loreal young and old- Yaz Loreal have a product range targeted specifically at children called Loreal Kids, each bottle retails at around  £2.20 Rather than having many products targeted at the various needs of its consumer, in this case as the consumers are children and their hair is less varied in type, they focus more on different aromas of shampoo to meet the different tastes of the children. The one need which children have with shampoo and which is catered for is that their shampoos do not sting their eyes, hence their no more tears slogan. Also to meet the needs of the customer- the parents helping with their childrens hair care routine it is also designed for no more tangles hence the second part of their slogan no tangles They do however have a specific shampoo designed to remove the smell of chlorine and salt from hair after swimming. Other products in the range include sprays and conditioners There is a very limited range available specifically designed for the elderly called age defying which is for those with depleted or thinning hair as they grow older. It retails at the same price as all other loreal shampoos but one will find it when looking, on the womens section of their UK website. This could largely be due to the assumption that men will lose their hair when they age rather than have a depleted amount or quality and therefore dont present much demand for such a product. Customer Behaviour Customer behaviour specifies the amount of involvement in a purchase decision and how frequent certain products are bought. Looking at two types of customers we can distinguish that shampoo can fall into both the variety seeking and the brand loyalty/repeat purchase categories. In the purchasing of a shampoo we have come to the conclusion that there is often low involvement in the decision making process. Sometimes people prefer to variety seek meaning that they will search for and try different shampoos, until they find the one that suits their hair the best. In this category price can be seen as an influential factor. On the other hand there are habitual buyers who may take longer in the purchase decision and prefer to repeat their purchases. This could suggest that they have found the shampoo that suits their hair and prefer to remain loyal with that one brand. Price may be a less significant factor in this process as people are willing to spend extra for a better service/product OR better quality. Purchasing Process The purchasing process that a consumer goes through first begins with the recognition of a problem, such as the need to treat hair in a specific way. The next stage is to search for information about the shampoo necessary for your hair. After this, the consumer then has to do an alternative evaluation looking at other shampoos based on factors such as recommendations and price. The fourth stage of the purchasing process is the store the consumer chooses to buy the shampoo from and whether they purchase the shampoo online or in store. The final stage of the purchasing process is the post purchase activities such as whether the consumer is happy with the results of the shampoo on their hair. Evaluation Conclusion Through our extensive research we have come to conclude that the hair care industry, especially shampoo, is fast moving and innovative. We expected this due to it being an FMCG but not to the degree that we found. Any company in this market must constantly research and aim to improve its products as competition is high. Not only does this demand come from within the industry but also from the customers. They must produce various versions of their product to fit the consumers requirements which has resulted in such broad segmentation. We have seen this through gender, age and other circumstantial means, and considering how many different types of people there are in the world it is not hard to believe that there is a corresponding shampoo for each and every one of us. Appendix Who are the main competitors in this market sector? pg 44.9 unilever 17.7 loreal 11.4 kao brands compaNT- 10.7 own lable- 5.2 jhonson- 5.2 others 2.7 pz cussons 2.2 The main competitors are firstly PG, which contain the very well known brands Pantene prov, head and shoulders and wella Secondly Unilever who own the likes of vo5 tresemme and sunsilk And then Loreal