Conservatives vs liberalists essays

Preservationists versus leftists expositions There are two standard philosophies that have overwhelmed American legislative issues since the presence of our legislature. These two political belief systems are conservatism and radicalism. Political philosophies allude to a predictable patter of thoughts or convictions about our political qualities and how we see the job of the administration. Traditionalists need to upgrade the freedoms of people by keeping the national government little, aside from in the zone of national guard. Dissidents wish to achieve equity and correspondence of chance through positive employments of government. They need to protect the privileges of the individual and the option to possess private property, yet they are eager to permit the administration to mediate in the economy to fix the imbalances brought about by free enterprise. In Government by the People, there is a people banter between Pete DuPont and Mitchell Cohen. DuPont guards the situation of conservatism while Cohen takes the situation of progressivism. Each gives solid contentions to which view is progressively valuable to us as a general public, however DuPont clarifies that conservatism prompts a more grounded society comprising of persevering and reliable people. Dissidents, all in all, tend to support change, confidence in human explanation, readiness to utilize government to improve the human condition, and are idealistic about human instinct. Cohen says that there are three essential weaved thoughts for nonconformists: freedom, fairness, and solidarity. He accepts that we should all have an equivalent chance to seek after our objectives in the public eye, yet this isn't the situation on the grounds that there is anything but a level playing field. As indicated by Cohen, individuals are naturally introduced to a world where a few people have a significant bit of leeway with assets while numerous others are off guard. This makes it considerably more hard for the individuals conceived without equivalent assets to succeed. Nonconformists accept that people are levelheaded self-intrigued people who look to improve their li... <!

Designing of Dollars free essay sample

Planning of Dollars Great item configuration is totally basic for most customer items organizations. Be that as it may, how do these organizations know when a structure highlight will pay off, particularly when each dollar checks? In what way they settle on those intense choices? That is the test that confronted Chuck Jones, boss planner for home machine organization Whirlpool. He realized he needed to concoct a superior way. Chuck’s acknowledgment that the entire procedure of settling on plan choices should have been improved came after a gathering with Whirlpool asset allotment group. Throw needed to add some ornamentation to a Kitchen Aid cooler that was being updated, yet it would have included about US$5 in additional expense. When the group requested that he gauge the arrival on speculation (that is, would it pay off monetarily to include this expense? ), he was unable to give them any information. His â€Å"trust me, I am a designer† contention didn't influence them either. We will compose a custom paper test on Planning of Dollars or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Hurl made plans to improve the way to deal with putting resources into structure. His initial step was to study other â€Å"design-centric† organizations, including BMW, Nike, and Nokia. Shockingly, just a couple of had a framework for determining return on plan. The greater part of them essentially put together future speculations with respect to past execution. Hurl stated, â€Å"No one had truly made sense of this stuff. † With such a large number of brilliant, skilled individuals in the field, why had nobody had the option to thought of a decent method to settle on those choices? As indicated by two bookkeeping teachers, one explanation is that it is unfathomably hard to recognize design’s commitment from the various business capacities (showcasing, producing, conveyance, and so forth ). What's more, even the plan calling couldn't concede to how to move toward this issue. In spite of the deterrents, Chuck proceeded with his mission to figure out how to unbiasedly quantify the advantages of plan. What he in the long run finished up was that an attention on client inclinations would work better than an emphasis on main concern returns. On the off chance that his group could equitably gauge what clients need in an item and afterward address those issues, the organization could understand money related returns. Chuck’s configuration group made a normalized broad procedure that puts structure models before client center gatherings and afterward gets point by point estimations of their inclinations about style, craftsmanship, specialized execution, ergonomics, and convenience. They outline the outcomes against contending items and the company’s own items. This measurements based methodology gives chiefs a standard of target proof from which to settle on venture choices. Plan venture choices are currently founded on truth, not feeling. The â€Å"new† dynamic methodology has changed the company’s culture and prompted bolder plans in light of the fact that the planners would now be able to put forth a solid defense for making those ventures. Conversation Questions: 1. OK portray item plan choices as organized or unstructured issues? 2. Depict and assess the procedure Chuck experienced to change the way structure choices were made. Portray and assess the company’s new structure choice procedure. 3. What measures does Whirlpool’s configuration group use in structure choices? What do you think each about these standards includes? Sources: B. Breen, â€Å"No Accounting for Design,† Fast Company, February 2007, pp. 38-39; and R. Siegel, â€Å"Meet the Whirlwind of Whirlpool,† Business Week on the web, www. businessweek. com

Empowering Women

The jobs of ladies are progressively developing to grasp what current society offers them. Ladies are getting enabled through training, occupations, advancements, through law and numerous different structures. It isn't just observed in evolved nations, it is additionally found in creating nations as in the Pacific. Ladies are dynamically being enabled to hold positions other than their conventional ones. Ladies being enabled have numerous focal points and weaknesses yet everything boils down to three things: financial, social and political favorable circumstances and disadvantages.Firstly, the monetary bit of leeway of engaging ladies is that it improves their families’ expectations for everyday comforts. Regardless of whether wedded or single, enabling of ladies, through a training or different methods, assists with improving their family’s monetary and budgetary standing. For instance, as indicated by Leach (1986, pp. 55-56), an expected 33% of worldwide family units are going by ladies, and they are answerable for taking care of their families. Strengthening as training can make sure about for them a vocation, and henceforth guarantees the continuation of their households.It is in this way certain that an engaged lady is significant for the essentialness of her family unit. Moreover, enabled ladies are socially advantaged in light of the fact that it updates their social remaining in the public eye. In numerous nations, ladies are thought mediocre compared to men, particularly in creating nations. For instance, â€Å"Swargo nunut neroko katut† implies â€Å"Going to paradise or heck, a lady will just oblige her husband† (Chrysanti 1998, p. 87). From this Javanese saying, it is conceivable to state that a wedded lady is restricted by having nothing to do with issues of the Javanese society, as even to existence in the wake of death she is to follow her husband.Their being engaged may permit individuals in their general public to lo ok for counsel from them, as they might be viewed as higher in standard by others. It is then sheltered to state that when ladies are engaged, they may have a higher remaining in the public arena than if they were not enabled. Besides, including ladies in legislative issues is profitable as ladies may give new perspectives. Governmental issues is for the most part â€Å"male dominated† and choices made are transcendently from a male purpose of view.A male can't hold both male and female assessments and it is best that the two sexes be available in legislative issues. For instance, engaging ladies has accommodated the requirement for equity to be heard. Previously, female specialists were inconceivable and as time passed, the steady enabling of ladies has prompted ladies triumphing in medication as specialists, attendants, lab experts, etc. By and by, it is a bit of leeway to a nation and its residents to advance female lawmakers in the legislature for the harmony among perspe ctives and assessments of guys and females.However, being female hindrances ladies monetarily as â€Å"women’s nature† may obstruct achievement. A â€Å"woman’s nature† is for the most part thought of as enthusiastic and hormonal, and, in spite of the fact that not valid for all, it might be for a few. For instance, Chrysanti (p. 93) says that a normal Indonesian lady [manager]†¦ doesn't depend on her hunch and is awkward with facing challenges. Chrysanti further says â€Å"While this may work well for her in many occurrences, she would most likely think that its harder to make snappy, forceful decisions†.This infers that dangers and forceful choices may do well to spare organizations, anyway the commonplace Indonesian lady probably won't face challenges and her choices may cost her and her organization. So all together for a lady to succeed monetarily, she may need to set aside her feelings. In spite of the fact that enabling ladies may inspi re them socially, separation from guys is as yet apparent. As previously mentioned, ladies might be profoundly respected in the public eye because of their strengthening however because of male separation, it might be troublesome socially.History has demonstrated that solitary the male had paid occupations, while the female performed local obligations. As Moengangongo (1986, p. 88) expressed, â€Å"The conventional perfect is that the male has consistently been the supplier and the female the homemaker†¦Ã¢â‚¬  and this is a typical comprehension in numerous nations, making it harder for ladies to be utilized or enabled, and on the off chance that they did, a few men may make it hard for them at the work place. As Kibel (2012) reports, â€Å"Certain types of victimization ladies stay far reaching. Out of 121 nations shrouded in the 2012 SIGI, 86 have unfair legacy practices or laws. This in this way demonstrates male segregation is as yet clear today. So in spite of the fact that ladies are bit by bit being enabled, men become obstructions in their strengthening. Moreover, there is a great deal of rivalry in legislative issues making female strengthening troublesome. Since legislative issues is male overwhelmed, there is as of now existing rivalry between male legislators; ladies entering governmental issues can make certain of a bounty of rivalry, and as the adage goes â€Å"whatever ladies do, they should do twice too [as men] to be viewed as half too [as men]†.For model, in Tonga, ladies infrequently hold high situations in the legislature in light of the fact that various male contenders forestall it. ‘Alisi Taumoepeau is a case of an uncommon effective lady in governmental issues, and this may just have been because of her multiplied endeavors. Along these lines, regardless of how qualified or engaged a lady might be, she will in any case face rivalry and she may need to work twice as difficult to try and be considered in legislative i ssues. To finish up, there are numerous preferences and weaknesses of being enabled as a lady, the three primary reasons being monetarily, socially and politically.As can be seen, engaging of ladies helps monetarily; it assists ladies with picking up regard and gives ladies a voice. We can likewise observe that despite the fact that engaging ladies is generally advanced, there are as yet numerous snags for ladies to survive. It is unequivocally recommended that every nation have or bolster programs that are committed to strengthening of ladies, with the goal that ladies can be enabled for advantages of home and nation. A nation with engaged ladies is contrasted with a family headed by an enabled lady: well off, sorted out and helpful. Enabling Women Unique This exposition will examine the engaging ladies and think about its inconveniences and weaknesses. Right off the bat it will express the disservices of engaging ladies. A portion of the inconveniences talked about in this article are rivalry, moral issues and family issues. Moreover, the paper will examine a portion of the significant points of interest of enabling ladies. A portion of the significant points of interest are sexual orientation balance, administration and instruction. At last the paper will close with an idea that regardless of the benefits of enabling ladies, there are likewise a few weaknesses that should be considered.Essay 1: Empowering ladies Discuss the points of interest and burdens of engaging ladies so they can hold different positions separated from conventional ones. Strengthening is imperative to practical turn of events and the human privileges of all. Strengthening is a significant part of each woman’s life. As indicated by the â€Å"Oxfor d Advanced Learners Dictionary† this the term engaging ladies is the breaking of individual confinement. Ladies strengthening is significant for the advancement and improvement of any nation.The strengthening of ladies can happen through training that is empowering ladies into workforce. Strengthening likewise happens by making mindfulness programs. This article will examine on the disservices of enabling ladies. In any case, one of the inconveniences of enabling ladies is rivalry in the workforce among people. Rivalry empowers ladies to enter the workforce. As the greater part of the ladies are presently instructed they are probably going to get utilized. These ladies are bound to land position which was ruled by men in conventional times.When ladies are engaged they are bound to be ground-breaking than men. Hence, this will make more rivalry in the workforce for a similar measure of occupations and potentially the pace of multiplication. Issues that emerge because of rivalry in the workforce are that there is a lot of pressure and work pressure influences strength of laborers. In this way, rivalry has a crucial impediment since it will make issues in the workforce. In addition, engaging ladies likewise prompts family issues. Numerous ladies don't have a legitimate comprehension about empowerment.As ladies are enabled and have their very own full control self, they overlook the duties and they get so assimilated in learning new things that they their family. Ladies the vast majority of the occasions are out of house as opposed to investing energy with family. Youngsters are taken care of by another person and don't get adequate love from guardians. Hence, this prompts increment in the pace of separation in view of the misconception between the couples. Accordingly, enabling ladies is for sure an impediment. Moreover, moral issue is additionally an impediment of enabling women.This is on the grounds that when ladies are engaged there disposition changes contrasted with the demeanor when they were not enabled. At the point when they were enabled they couldn't care less about the virtues. This prompts moral issues. This issues happens in light of the fact that ladies are instructed and utilized, they attempt to govern the whole family. This prompts moral issues, for example, that they don't have regard for the senior ones. This enabled lady frequently nitpicks their better half and furthermore to other relatives. Through this demeanor the picture of the family is gone bad.Therefore, engaging ladies doesn't show just the privileges of the ladies yet in addition obligations accompany the rights. This article has considered on the hindrances of engaging ladies and now it will take a gander at the upsides of enabling ladies. The benefits of enabling ladies are significant in light of the fact that ladies has perceived as the focal issue in deciding the status in ladies. The points of interest examined about enabling ladies are sex corres pondence, authority and training. For probably the first time, one of the advant

New Role for Women in the Early Church Essays

New Role for Women in the Early Church Essays New Role for Women in the Early Church Essay New Role for Women in the Early Church Essay Church History I Theme Report New Role for Women in the Early Church This topic report breaks down how Jesus sent another progressive message laying the preparation for the rise of the societal position of ladies in the early church. The social standard of the day was that ladies were confined to subordinate jobs in the public eye and the congregation. Jesus broke limits in his managing ladies and drove his pupils to challenge those equivalent limits as they took over initiative of the congregation. Luke’s Gospel story of Jesus in the home of Martha and Mary tells how Jesus was as an afterthought f perceiving the full personhood of ladies. Mary’s sitting at Jesus feet in Luke 10:39 shows an infringement of the social standards of the day. â€Å"She had a sister called Mary, who sat at the Lord’s feet tuning in to what he said. † Lesly Massey states in her book, Women and the New Testament, of basic significance is the way that Jesus would sit in discussion with ladies in such a way, or that he may have trained them secretly as a rabbi would teach a promising understudy. This very truth, paying little heed to the profound profundity of their discussion, uncovers a demeanor toward ladies which was ncommon among Jews of Jesus day and intelligent of his progressive way. Massey attests that Jesus is dismissing the below average status of ladies in his general public in light of the fact that as indicated by the social laws of the day, just men should sit under a strict instructor and tune in to his educating. Ladies should avoid locate and show up just to look out for the men. Jesus obviously dismisses this twofold standard laying the foundation for the height of ladies to a higher status in the new Christian church. As indicated by the Gospels, the world was changing in first century Palestine, Martha and Mary spoke to the developing number of individuals who were reacting to Jesus lessons. The two sisters mindfulness to Jesus as a visitor in their home was a demonstration of cordiality, yet additionally a sign that they looked to comprehend his lessons. Their mindfulness shows the sisters as a component of the development as students. † 1 The remove here is that this story doesn't show subjection of ladies and it shows limits being broken. Another understanding on a similar story with an emphasis on Martha is Satoko Yamaguchi’s Mary and Martha: Women in the World of Jesus, Yamaguchi recognizes Martha as the pioneer of a house-church, that is, somebody who thinks about the items of common sense required for Jesus and his devotees to meet at her home. As indicated by Yamaguchi â€Å"the setting of the sacred writing infers that she habitually invited voyaging ministers and gave them food, cover and conceivably even money related help. As such, Martha was one of the principal church chairmen (in Christian speech, advertisement serve is interpreted as meaning in the administration of service). Researchers currently perceive that without ladies, for example, Martha to offer material help, the voyaging service of Jesus and his supporters couldn't have occurred as viably. † 2 Another scholar, Bonnie Thurston in Women in the New Testament says: â€Å"as I read the Gospels, under the rule of God, people are planned to cooperate in a teaching of equals†. Thurston refers to Constance Parvey’s exposition â€Å"The Theology and Leadership of Women In The New Testament† in Religion and Sexism and states that â€Å"The New Testament gives two messages with respect to ladies. First it presents a religious philosophy of balance in Christ, a dream of fairness on the philosophical level. In any case, in down to earth parenesis numerous New Testament sections support woman’s subjection; that is they present a the norm ethic on the social level. Some portion of the intensity of Jesus’ announcement of the rule of God had to do with the way that it introduced a totally new method of human presence. The way that Jesus broke limits in his managing individuals drove his devotees to challenge those equivalent limits in their dealings with each other†. 3 Summary In the soonest days of the congregation, Jesus was finding a way to lift ladies over their subordinate jobs which was the not the social standard of his time. In Luke’s story of Jesus at the place of Martha and Mary, Jesus broke limits and broke with the norm. The two sisters were full members in his service and study. Mary raised herself over her subordinate job by sitting under Jesus, unmistakably an indication of the height of ladies to a higher status in the new Christian church. Martha turns into a congregation chief by offering her home as a home church and by aiding the voyaging service of Jesus and his company. This story and the declarations of scholars cited above shows Jesus breaking limits and breaking the social standards of the day which was to placed ladies in a subordinate job inconsistent to men. 1 Lesly F. Massey, Women and the New Testament: An Analysis of Scripture in Light of New Testament Era Culture (Jefferson, N. C. : McFarland Co. , 1977, 19 2 Satoko Yamaguchi, Mary and Martha: Women in the World of Jesus (Maryknoll, N. Y. : Orbis Books, 2002, 46-47. 3 Bonnie Thurston, Women in the New Testament Questions and Commentary (New York, N. Y. : Crossroad Publishing Company, 1998, 160-161.

5 More Tips for Cleaning Up Your Writing Right Now

5 More Tips for Cleaning Up Your Writing Right Now 5 More Tips for Cleaning Up Your Writing Right Now 5 More Tips for Cleaning Up Your Writing Right Now By Mark Nichol A week ago, I offered some basic guidance for promptly improving your exposition, including recommendations having to do with accentuation, capitalization, and so forth. Here are more suggestions, this time managing increasingly subjective issues: 1. Keep away from banalities at all costs: You can’t exclude them by and large and you shouldn’t attempt yet take care when reevaluating a worn out word or expression into something new and new. When pointing out bad faith, rather than discussing the prosaism â€Å"This is an instance of the pot calling the pot black,† you could compose, â€Å"Keywords: pot, pot, black.† You can likewise play with words, alluding to a particularly upset twit as an injury sovereign. 2. Keep away from filler phrases: Delete without content wording like â€Å"be that as it may,† â€Å"to all aims and purposes,† and â€Å"in the last analysis.† These prolix bulges spring up normally in discourse to overcome an issue between one idea and the following, yet in spite of the fact that you’re pardoned for remembering them for a first draft, there’s no reason for letting them pass investigation when you audit your composition or alter somebody else’s. 3. Keep away from verbosity: Watch for tedious expressions like â€Å"in request to,† superfluous words and expressions like presently and â€Å"that is,† and covered action words (developments in which a thing can be changed into an action word, for example, â€Å"offered an indication† when show will do.) 4. Evade redundancies and reiteration and saying something very similar twice: Take care to keep away from doppleganger words in stock expressions normal, similar to filler phrases, to communicated in language however antagonistic to great composing like â€Å"actual fact† and â€Å"completely finished.† 5. Maintain a strategic distance from redundant sentence structure: Craft your exposition so that phrases, conditions, sentences, and sections stream easily (evade a Dick-and-Jane style of composing suggestive of content in essential evaluation understanding books) and think about the visual effect of your composition. Need to improve your English in a short time a day? Get a membership and begin accepting our composing tips and activities every day! Continue learning! Peruse the Writing Basics class, check our well known posts, or pick a related post below:What Does [sic] Mean?3 Types of HeadingsConfusion of Subjective and Objective Pronouns

An Effective Strategy Digital Marketing Assignment - 275 Words

An Effective Strategy: Digital Marketing Assignment (Term Paper Sample) Content: CostStudents nameCourse titleInstructorInstitutionDue dateAn effective marketing strategy should be cost effective to reduce the companys production costs and encourage the target consumers to consider purchasing the barns. Digital marketing is one of the most cost effective distribution channels that Pepsi Company should employ. According to Bailey (2014) digital marketing entails promoting brands by use of the electronic media and employs channels that allow firms to analyse their marketing campaigns to improve productivity critically.Some of the channels that associate with digital marketing include blogging, video streams, electronic billboards, podcasts, direct emails, the web and mobile phone messaging. By securing an internet connection, the potential customers can access information regarding Pepsi Company anytime and anyhow they want it. The internet has become the most powerful digital marketing medium (Bailey, 2014). It is very cheap to access the internet for instance in cyber cafes and by use of personalized computer and mobile phones, and thus data access regarding Pepsi Company is made easy and convenient for all type of customers.Use of third parties involves employing intermediaries such as the retailers and the wholesalers to advertise you brand to the potential buyers. Use of third parties is a form of an indirect marketing channels, and their aim is to make more profits in the form of commissions. The third parties, therefore, end up setting high market prices which make it hard for the buyers to afford the brand and thus makes the channel cost prohibitive (Bailey, 2014).Bailey (2014) argue that it is the customers tastes an...

The Number One Article on Student Opinion Essay Samples

The Number One Article on Student Opinion Essay Samples Studying abroad has an important part in faster learning and self-development. Since you are able to see, students will definitely face many challenges should they wish to turn into a member of the buy essay club. The students have to understand how to address bills and locate a balance between their studies and part-time jobs. As a consequence, such students search for the best essay help to be sure their project is going to be produced at the maximal level in accord with all academic standards. If you wish to get a research paper, online writing service like ours is exactly what you demand. Let's say you should purchase essay for college. It is critical to grab your reader's attention at the commencement of your essay. Maybe their usage of language is right in accord with their community. Young children's innate abilities ought to be harnessed to create these benefits more achievable. Although it can be correlated, the editor doesn't say that it's, so it's only Carr's observation. I do it all of the time on social networking. What might not be quite as clear, though, are the expenses of such dreamy way of life. This is sometimes harmful to numerous individuals. Such a trend has been proven in practically all sectors, for example, military. The Appeal of Student Opinion Essay Samples We must be aware that all stereotypes are bad regardless if they're good or bad as it causes prejudgment. Stereotypes also are developing a false idea of the way that they interact with different individuals. They have created a distortion of how every individual should be. Very good stereotypes may also be harmful and cause new issues. Understandably, this sort of measure may be dispensable in the majority of advanced democracies. A number of the negatives effects are harm, inadequate performance in various activities, and sometimes even health difficulties. However, there might be better ways to tackling this issue. Key Pieces of Student Opinion Essay Samples If you've done your work right, then you're prepared for the very best portion of your essay. Secondly, we are a seasoned agency. It's not simple to select a service to purchase your essay from. It's particularly good that young people are able to freely experience a wide variety of music and writing. I believe writers and musicians will locate a manner of benefiting from the new circumstance and excellent artists will be in a position to create a living as they always have done. They suggest that the moment the boy and the girl reached puberty they ought to be permitted to marry. The actual folks highly praise our essay help site. Life, Death, and Student Opinion Essay Samples However you are feeling about Valentine's it's still likely to come. And everyone's on it after class to learn what else is happening around campus. Many are a lot more polite about posting, either doing once every day, a couple times each week, etc.. Valentine's Day isn't a holiday. Within this era, whether to use animals as guinea pigs is a touchy matter. What's more, living far from loved ones and friends can be, definitely, the toughest issue to be overcome. Before, with few folks living beyond age 80, it was rare for anybody to enjoy more than twenty years of retirement. Tumblr is like a secret society that everybody is in, but nobody talks about. Student Opinion Essay Samples: No Longer a Mystery Towards the close of the article it will become clear he wants readers to think that it's not a great thing. You should observe the world from somebody else's perspective. Life skills are extremely important and by doing voluntary work, students may learn to communicate with others and work in a team but also how to control their time and boost their organisation abilities. If you are able to fabricate wants Make obtaining things that are only about inside your reach the gist of life, then people are likely to be trapped into becoming consumers. What You Can Do About Student Opinion Essay Samples Beginning in the Next 9 Minutes The World Cup, by way of example, stops many nations in each fourth calendar year. Thus, you will know all that is necessary. They all are positive. Your orders will be done exactly as you desire.

Louis Armstrong Essay - 1336 Words

Louis Armstrongs Influential Career Louis Armstrong’s Influential Career Louis Armstrong was the most successful and talented jazz musician in history. His influence and expansive career continues to make waves in the jazz world. That is what made him become what he is to many today – a legend. Born on August 4, 1901, in the poorest section of New Orleans, Armstrong grew up with his grandparents due to his parents’ separation. On January 1, 1913 he made a mistake which turned out to be the best thing that ever happened to him. At a New Year’s celebration in downtown New Orleans, Louis Armstrong, also known as â€Å"Satchmo† and â€Å"Satch†, fired a pistol into the air and was placed in the Colored Waifs’ Home. It was there that he was†¦show more content†¦When Armstrong reached the City and began playing everyone went wild. No where had they ever heard anything like him. Before this time, he had only played instruments but he was soon encouraged to begin singin g. It was then discovered that Armstrong had a natural extension of his trumpet abilities, which was singing. His gravelly voice was something new that had never been heard (Sadie 600). Armstrong formed a studio band in 1925 called the Hot Five. The band included Johnny Dodds, Kid Ory, John St. Cyr, Lil Armstrong, and himself. These recordings were some of the most famous made by Armstrong, including â€Å"Mandy Make Up Your Mind† and â€Å"Money Blues† (Bergreen 96). A year later the Hot Five made their only public appearance at the Chicago Coliseum. The Chicago Defender spoke of â€Å"Louis Armstrong, the miracle with steel lips,† (Boujut 27). For the next few years Armstrong recorded with the Hot Five and played with other musicians in New York and Chicago. He then traveled to California, in July of 1930, where he starred in his first film, Flame. Only after he had been in California for a few weeks he was arrested at a nightclub for the possession of marijua na. The incident obviously caused a lot of controversy across the world. The sentence, six months in prison, was suspended after only three days. Mainly due to Armstrong’s addiction to marijuana, Lil separated from him and they no longerShow MoreRelatedLouis Armstrong Essay634 Words   |  3 PagesLouis Armstrong Louis Satchmo Armstrong was one of the most popular musicians of his time. Upon initiating my research, I was surprised to find conflicting dates as to when he was born. Encarta Africa said he was born in 1901, 1001 things to know about African American history-1898, regular Encarta --1900, Little Louis and the jazz band by Angela Shelf Medearis says his date of birth is August 4, 1901. The book Jazz Stars by Richard Rennert states that Louis Armstrong was born in 1899Read MoreLouis Armstrong Essay850 Words   |  4 PagesLouis Armstrong Louis Armstrong was born in New Orleans, Louisiana on August 4, 1901 to Mayanne and William Armstrong. His father abandoned his family during Louis infancy. Louis spent the first years of his life with his grandmother, Josephine Armstrong. After age five, Louis moved back with his mother and his sister, Mama Lucy. The family was forced to live in stark poverty. Louis got into some trouble when he was just 12 years old and was placed in the Waifs Home for Boys. It wasRead MoreImportance of Louis Armstrong1568 Words   |  7 PagesLouis Armstrong Louis Armstrong was the greatest of all Jazz musicians. Armstrong defined what it was to play Jazz. His amazing technical abilities, the joy and spontaneity, and amazingly quick, inventive musical mind still dominate Jazz to this day. Only Charlie Parker comes close to having as much influence on the history of Jazz as Louis Armstrong did. Like almost all early Jazz musicians, Louis was from New Orleans. 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So much that this paperRead MoreLouis Armstrong Essay1388 Words   |  6 PagesThe Life and Music of Louis Armstrong Among the most popular and appreciated musicians of our time, Louis Satchmo Armostrong brought a musical presence, technical mastery, and imaginative genius that so overwhelmed musicians of his day that he became their principle model, leaving an indelible imprint on the music (Kernfield 27). When reviewing Armstrongs life work, his years with us can be divided into two aspects, his personal life and his music. While giving significant background ofRead MoreThe Legacy Of Louis Armstrong Essay1401 Words   |  6 PagesLouis Armstrong, one of the most influential figures in jazz music, enjoyed a career that spans across 50 years, and through different eras of jazz. Nicknamed† Satchmo†, â€Å"Pops†, and† Ambassador Satch†, Armstrong could do it all, he sang, occasionally acted, composed music, but was most famous for his cornet and trumpet playing. 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Slowly making money, Louis bought his first horn, a cornet. At age eleven Armstrong was sent to juvenile Jones Home for the colored waifs for firing a pistol on New Year’s Eve. While in jail Armstrong received his first formal music lesson from oneRead MoreThe Jazz Musici Louis Armstrong1078 Words   |  5 Pagesroadhouses, dance halls and places all over the country. It’s a very fast paced sound that was different than what people had heard of before. Louis Armstrong was a very well-known jazz musician during this time. He played the trumpet and was a ve ry good jazz musician. He was in many bands, played in Broadway and traveled playing jazz for people (Wenning). Louis Armstrong was born on August 4, 1901, in New Orleans, Louisiana (Woog, 15). He grew up in a very poor area nicknamed, â€Å"The Battlefield.† Armstrong’s

Life Insurance As Social Security Tool Finance Essay - Free Essay Example

Sample details Pages: 20 Words: 5925 Downloads: 5 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? The business of insurance is to bring together the persons with common insurance interests sharing the same risks, collect the share or contribution (called premium) from all of them and pay out the compensations (called claims) to those who suffer from the risks. This sharing business benefits the society at large by spreading the losses of an individual over the group of individuals who are exposed to similar risks. People, who suffer loss, get relief because at least part of their loss is made good. Don’t waste time! Our writers will create an original "Life Insurance As Social Security Tool Finance Essay" essay for you Create order People who do not suffer loss are relieved because they were spared from the loss. Some of the benefits of insurance to society are discussed as under : Life Insurance as Social Security Tool The General Assembly of the United Nations adopted and proclaimed the universal declaration of Human Rights on December 10, 1948, which states that Everyone has a right to a standard of living adequate for the health and wellbeing of himself and his family, including food, clothing, housing and medical care and necessary social services and the right to security in the event of unemployment, sickness, disability, widowhood or lack of livelihood in circumstances beyond his control. When the bread winner dies, to that extent, the familys income takes a hit; the economic condition of the family is affected badly, unless other arrangements come into being to restore the situation. Life Insurance provides an alternate arrangement to overcome this situation. If this did not happen, another family would be pushed into the lower strata, which is actually a cost on society. Poor people cost the nation by way of subsidies, larger growth in population and poor education. In this sense, the life insurance business is complementary to the States efforts in social management. Under a socialistic system (based on the notion of equality for everyone, where everyone has a job and everyone has a place to live), the responsibility of full security would be placed upon the State to find resources for providing social security. In the capitalistic system (the means for producing and distributing goods like land, factories, technology, transport system etc. are owned by a small minority of people called the capitalist class), a provision of security is largely left to the individuals. The society provides different types of instruments like insurance, which can be used in securing this aim. Sometimes, also there is a tendency to provide some social security by the state under some schemes, where members are required to contribute. For example; the social security scheme in U.K. In India, social security finds place in our constitution. Article 41 requires the State, within the limits of its economic capacity and development, to make a effective provision of securing the right to work, to education and to provide public assistance in case of unemployment, old age, sickness and disablement. Parts of the states obligations to the poorer sections are met through the mechanism of life insurance. As per Section 32 (B) of Insurance Regulatory and Development Authority (Obligations of Insurers to Rural Social Sectors) Regulations, 2000, insurance companies in India undertakes the following obligations to extend insurance benefits to economically weaker sections of the society in the unorganized sector, during the first five financial years, like : in rural sector, in respect of a life insurer; 5% in the first financial year; 7% in the second financial year; 10% in the third financial year; 12% in the fourth financial year and 15% in the fifth year; of total policies written direct in that year. In respect of a general insurer; 2% in the first financial year; 3% in the second financial year; 5% thereafter, of total gross premium income written direct in that year. In social sector, in respect of all insurers, 5000 lives in the first financial year; 7500 lives in the second financial year; 10000 lives in the third financial year; 15000 lives in the fourth financial year and 20000 lives in the fifth year. The obligations of existing insurers as on the date of commencement of IRDA Act shall be decided by the Authority after consultation with them and the quantum of insurance business to be done shall not be less than what has been recorded by them for the accounting year ended 31st March, 2000. Economic Growth of the Country Insurance has had a very encouraging impact on Indias economic development. For development of any country, investments are necessary which are made out of savings. A life insurance company is a major instrument for mobilization of savings of people, particularly from the middle and lower income groups. These savings are channeled into investments for economic growth of the country. The Insurance Act 1938, has strict provisions to ensure that insurance funds are invested in safe avenues, like Government Bonds, profit making Companies etc. Huge funds of life insurance Companies are accumulated through payments of small amounts of premiums deposited by policyholders. These funds are invested in ways that contribute substantially for the economic development of the countries and not in any speculative ventures. Their investments, as in the case of the LIC, benefit the society at large. The private insurers in India are new and have accumulated funds equal to about one-eighth of LICs. Bu t even their investments in the various sectors and contributing directly and indirectly to the countrys economic development, would be of similar proportions. The sector is progressively increasing its contribution to the countrys GDP. In addition, insurance is also driving the infrastructure sector by increasing investments each year. Further, insurance has also boosted the employment scenario in India by providing direct as well as indirect employment opportunities. Insurance and reinsurance companies are often heavily involved in projects as providers of insurance of risks against liability, project completion, errors and omissions, business interruption, and the like. For example; either it is the case of huge oil and gas projects or Delhi metro project. The financing for the structure can be provided by a bank or insurance company, a syndicate, or through a securitization of the hedged, credit enhanced future flow. Due to the healthy performance of the Indian economy, the share of the life insurance premium in the Gross Domestic Saving (GDS) of the households sector has also increased (See exhibit 6). The increased contribution of the insurance industry from the households GDS has been ploughed back in to the economy, generating higher growth. Exhibit 6 :ÂÂ  Share of Life Insurance Premium in GDS House Hold Sector in percentage Source : IRDA Annual Report 2010-11 Apart from investments, business and trade also gets benefitted through insurance in a way that they are able to face the impact of major perils like fire, earthquake, floods etc. Hence, capital and credit are expanded with the help of insurance. The agriculture will experience protection against losses to cattle, machines, tools and crops. Thus, the insurance meets all the requirements of the economic growth of a country. Reduction in Inflation The insurance reduces inflation in the country in two ways. Firstly, money in the form of premium is paid to insurance companies in order to purchase the insurance policies. Hence, the purchasing power of the individual for buying other products reduces which in turn reduces the liquidity in the market leading to controlled inflation. Secondly, by providing sufficient funds for production, this helps in narrowing down the inflationary gap. In India, the total penetration of insurance (premium as a percentage of GDP) has increased manifold from 1.90% in FY00 to 6.72% in FY10. Tax Benefits of Life Insurance The following tax benefits are applicable to policyholders. Under Income Tax Act, 1961 An individual or HUF can claim a deduction on the insurance premium paid for self, spouse and children (including dependent children), under section 80C of Income Tax Act, subject to income slabs. Premium paid for critical Illness Benefit qualify for rebate u/s 80 D. Money received under a Life Insurance Policy As per section 10 (10D) of the Income Tax Act, 1961, any sum received under a life insurance policy including bonus declared or paid do not form part of taxable income. To put it simply, it is exempt from tax. However, monies received under key man Insurance policy are not covered under section 10 (10D). Under Wealth Tax Act Insurance premium paid as well as surrender value of Insurance policy do not form part of chargeable wealth. For the same no wealth tax is attracted when the policy is in force. On maturity of policy the amount received, if it remains in cash on March 31 of the succeeding year, will form part of chargeable wealth. Conventional Plans benefitting the Individual As directed by Government of India, the Insurance Companies under the conventional plans have to invest 80 to 85% in Government Securities, Debentures, Bonds, Money Market Instruments, etc and only 15 to 20% is invested in the Equities. These types of plans are very safe and secure for an individual but unfortunately, these were most preferred plans only till the private companies entered the Indian Market. Today also these plans are sold more than 50% by LIC as the capital is secured the life assured gets reasonable returns on maturity without exposure to the risk of share markets. The customer will always get a lower amount in case of surrender of policy anytime before maturity but instead of surrendering the policy he can opt for a loan against the policy which is around 90% of surrender value the interest rate is also very low, in LIC it is only 9% p.a. CASE APPLICATION [emailprotected]/* */ Client : A young married couple with a new baby. The wife owns a rapidly growing business. Issues: The wifes start-up business was doing very well so the couple continued to invest in the company to help it grow. The husband was recently laid off so he decided to stay home and raise their child while his wife poured in countless hours to propel the business forward. The couple did not have enough money left over from her earnings to put into a savings account or retirement plan since they were investing everything back into the business to ensure its growth. The couples biggest concern was how the husband and child would survive financially if the wife were to die or if she was disabled and in either event, she would be no longer able to sustain the business. The challenge was to find a way to provide the young family with a solution since their assets were tied up in the business. The Insurance Company suggested : Since all of the couples money was in the business, we advised the wife to buy life insurance and disability insurance policies using the earnings of her business to pay for the premiums. The couple was able to still invest in the company and the company earnings provided the premium payment for a high yielding life insurance policy. Outcome: Most of her earnings still stayed invested in her fast growing company, but because of the policies that were recommended and implemented, her family was reassured that they would be protected financially in the event that the wife were no longer able to run the business due to death or injury. CASE APPLICATION [emailprotected]/* */ Case Study- Insurance benefitted in reducing Operational Costs https://www.inca-it.com/Images/casestudies/csid2_userid6.gif State Bank of India, London, United Kingdom The Client STATE BANK OF INDIA (SBI) is the largest bank in India with over 180 years of banking experience. Today, State Bank of India ranks among the top 25 commercial banks in Asia with assets exceeding US$60 billion. SBI operates worldwide through an extensive network of over 9000 offices including 50 overseas offices in 48 countries. The Bank has won the Technology Award 2005, from the Banker, London. Until recently, SBI UK operation has been using the Misys-Equation banking application for its operations. This application runs on the IBM AS400 platform. Since 2001, IIL Risk Management has provided various IT related services to the Bank. The Problem SBI, UKs Treasury operations use the Reuters 3000 dealing system. Dealers negotiate and confirm various deals every day involving money market and forex trades. These deals were posted manually into the banking application. Manual posting carried with it the risk of error prone entries, missed out deals, lack of suitable and timely checks verification and inability to ascertain accurately counter party dealing limits.ÂÂ   The Bank required straight through processing from Reuters dealing server to the Misys-Equation platform to minimize operational risk. With an eye on future proofing the investment in the system it also desired that the solution be platform independent and therefore be based on java programming and be integrated with the Meridian middleware provided by Misys. In addition, they required counter party limits and exposures to be displayed back to the dealer on a separate screen by intelligently using the information from dealer initiated Reuter conversations with the counter party. Investigation of available products in the market place found that they contained many functionalities already catered for by the Reuter system and were not cost effective and used obsolete technologies.ÂÂ   The Solution IIL Risk Management (IIL) developed for the bank a unique and cost effective solution to automate the entire process from capturing deals from Reuter dealing 3000 server to posting into the core banking application. ÂÂ   The solution integrates various technologies such as Microsoft Windows 2000 server, Access database, IBM MQ series, Misys Meridian middleware and IBM AS/400. The process can be categorized as follows: Electronic capture of deals via Reuter Ticket Output Feed (TOF). Deal data processing with data validation and writing to database. Deal data mapping, formatting and posting to Misys Equation using Meridian Middleware/IBM MQ Series. Secure and user-friendly interface to monitor flow of deal data, correct any exceptions and review status of posting into Misys Equation. Intelligent use of Reuters Current Interest Feed (CIF) to retrieve counter- party dealing limits and actual exposures from the Equation banking system and displaying the same back to the dealers. ÂÂ  All the above modules work closely with each other in terms of connectivity, request and response along with reliable audit trails. The Benefits The implemented solution reduced SBI, UK Treasury Departments workload considerably virtually eliminating the need for human intervention. Operational efficiency was greatly improved. Timely display of counter party dealing limits at both Group and Individual level and actual exposures enabled the dealers to know the exact position at any given time. This was an important technology based support for the Banks efforts to minimize operational risk from manual interventions. COSTS OF INSURANCE TO SOCIETY Although the insurance industry provides many social and economic benefits to society, it is necessary to recognize the social cost of insurance. Cost of insurance to society are as follows : Cost of Doing Business Insurance industries consume means and economic resource like land, labor, capital and business enterprise in providing insurance to society. In financial terms expense loading must be added to the pure premium in their daily operations. An expense loading is the amount needed to pay all expenses, including commissions, general administrative expenses, state premium taxes, acquisition expenses and an allowance for contingencies and profit. As a result total cost in society will be increased. However, these additional costs can be justified for several reasons: From the insureds view-point, uncertainty concerning the payment of covered loss is reduced because of insurance. The costs of doing business are not necessarily wasteful, because insurers engage in a wide variety of loss prevention activities. The insurance industry provides jobs to millions of workers in the United States. However, because economic resources are used up in providing insurance to society, a real economic cost is incurred. Fraudulent Claims Cost of insurance also comes from the submission of fraudulent claims. Examples of fraudulent claims include the following : Auto accidents are faked or staged to collect benefits. Dishonest claimants use slip and fall as accident. PhonyÂÂ  burglaries, thefts or act of vandalism are reported to insurers. False health insurance claims are submitted to collect benefits. Dishonest policy owners take out of life insurance policies on insureds who are later reported as having died. The payment of such fraudulent claims results in higher premiums to all the insured. Inflated Claims The final cost of insurance refers to inflated claims. Although the loss is not intentionally caused by the insured, the amount of the claim may exceed the actual financial loss. Some examples of inflated claims are as follows: Attorneys for plaintiffs sue for high-liability judgments that exceed the true economic loss of the victim. Insureds inflate the amount of damage in auto-mobile collision claims so that the insurance payments will cover the collision deductible. Disabled persons may pretend to be sick for disability income benefit for a longer duration. Insureds exaggerate the amount and value of property stolen from home or business. Inflated claims should be regarded as important social cost of insurance. Premium must be increased in providing additional losses. CASE APPLICATION [emailprotected]/* */ (Permission Granted) [New India Assurance Co Ltd v/s Hardip Singh Others II (2003) CPJ 103 (NC)] Can an insurance company independently challenge the award under a professional indemnity policy? During a gall bladder surgery, Mohinder Kaur developed ventricular tachycardia, followed by ventricular fibrillation. She suffered cardiac dysrhythmia and went into coma due to medical negligence, becoming bedridden at the age of 45. A case was filed against the surgeon, the anaesthetist and the hospital. The insurance company was a party to the proceedings. The District Forum awarded a compensation of Rs 2 lakh, payable by the insurance company on behalf of the doctors under the professional indemnity policy. This was challenged in appeal before the State Commission, which upheld the Forums order. The doctors did not continue further litigation, but the insurance company filed a revision petition before the National Commission. Observing that it was incumbent on the insurance company to indemnify doctors under the professional indemnity policy by paying the amount awarded by the consumer forum, the commission stated the challenging of the order by the insurance company without rhyme or reason is neither proper nor desirable. The commission expressed deep anguish that such petitions were being filed. It observed that such cases are not meant to be fodder for the legal department and the insurance company cannot go on a spree in filing such petitions. The commission stated it was restraining itself this time, but warned that if such petitions are filed in future, heavy cost would be imposed. The agony of a consumer must end at some stage. It is the duty of the insurance company to see that frivolous cases were not filed so as to clog the wheels of justice, which result in wastage of time. While dismissing the revision petition, the commission directed the order be sent to the chairman-cum-managing directors o f all insurance companies. CASE APPLICATION [emailprotected]/* */ Dinesh Mishra was the owner of an apparel showroom situated in a commercial area of Navi Mumbai. The showroom stocked clothes for wealthy, trendy young people. It carried a variety of designs and premier collections designed by famous designers, including Ritu Beri. On weekdays Mishra would stay in the apparel showroom upto 1:00 am as people in the city preferred to do late evening shopping. Thus, he could not spend sufficient time with his family during weekdays.ÂÂ   Every weekend Mishra spent time with his family. One evening, he was enjoying his weekend with his family in a restaurant situated outside the town on a small hillock. While Mishra and his family were enjoying a mid-night buffet at the restaurant, his cell phone started ringing. Ratan, the security guard of the apparel showroom, was on the line. In a panic-stricken voice, Ratan informed Mishra that there was a major fire in the showroom and that the showroom was completely destroyed in the fire. On hearing the news, Mishra was shell-shocked and couldnt speak a word. After regaining his composure, he rushed to the spot and tried to get first hand information about the fire accident. He asked the security guard how the accident had taken place. He then informed UB Insurance Corporation of the incident. UB insurance was the primary insurer for the property. UB insurance sent a claims adjuster, Venu, to meet Mishra and analyze the damage caused to the property. Venu had considerable experience as a claims adjuster. He had been associated with UB Insurance Corporation for nearly five years. Prior to this, he had worked for Delhi Insurance Corporation for nearly four years. Venu rushed to the site of the accident as soon as he received orders from his superior to conduct a spot analysis of the property in question. At the site, Venu met Mishra and assessed the situation. He asked Mishra about the daily turnover of business in his showroom. Mishra informed Venu that the business was moving quite smoothly. Later, Venu asked Mishra for the books of accounts related to the business. Fortunately, the books of accounts were not damaged in the fire. The books revealed that in recent times, there was a reduction in sales. When Venu asked Mishra the reason for the decrease in sales, Mishra replied that it was because of low demand during the off-season period. Venu later made enquiries with other apparel shops in the area and was told that competition was quite intense in the region, and that demand had been low for the past two months. After obtaining all the necessary information pertaining to the business, Venu again came back to Mishra and asked the probable reasons for a fire occurring on a Sunday and not a weekday, and that too, at such a late hour. Since the showroom was closed at the time of the accident and all lights and other electricity related equipment had been switched off, Venu felt that there should have been less chance of a fire accident occurring during the weekend. Mishra asked Venu to consult the fire fighters who would perhaps be able to throw some light on the possible reasons for the cause of the accident. When Venu asked the fire fighters involved in putting out the fire, they informed him that the fire might have been caused by a short circuit. ADVANTAGES AND DISADVANTAGES OF INSURANCE IN HANDLING RISKS Life insurance refers to the protective cover on the life of the individual insured and provision of financial benefits in case of loss of life of that individual within a certain period. It must be understood that life is pretty unpredictable and one needs to be prepared to meet all unforeseen events. Some of these unforeseen events may cover adverse situations, also termed risks. While some are preventable or can at least be minimized, some are completely avoidable. Nevertheless some risks are totally unforeseen. Sometimes it is impossible to avoid losses. For example; people may become ill. They may die as a result of a grave illness or grievous injuries sustained in accidents or their homes or other property may undergo damage or theft. In all such cases, they may have to face substantial losses in incomes and savings. Insurance is a matter of financially ensuring that if such an incident does come about, the loss does not affect the present wellbeing of the person. When considering taking up insurance it is important to also consider factors such as the type of risk, the effect of that risk, the cost of the risk and what one can do to mitigate this risk. Insurance is appropriate only when one wants to guard against a significant monetary loss. The word significant is important here because if the potential loss is small, it doesnt make sense to pay a premium to protect against the loss. Let us take the case of life insurance; if a person is the sole breadwinner in a household, the loss of income that his family would experience as a result of his premature death would be considered a significant loss. It would be very difficult for his family to replace his income. This is where taking an insurance policy helps. The monthly premiums ensure that if one dies, his income is replaced by the insured amount. The same principle applies to many other forms of insurance. Insurance allows not only the individuals, but also business houses and other entities to protect themselves against significant potential losses and financial hardship at a reasonably affordable rate. One may consider taking up insurance to protect oneself or any other person from financial hardships. Insurance may cover any of the following: Protecting ones family from loss of income after ones death. Ensuring debt repayment after death. Covering contingent liabilities. Protecting against the death of a key employee or person in ones business. Protecting ones business from business interruption and loss of income. Protecting oneself against unforeseeable health expenses. Protecting ones home against theft, fire, flood and other hazards. Protecting oneself against lawsuits. Protecting oneself in the event of disability. Protecting ones car against theft or losses incurred because of accidents. Major Advantages of Life Insurance in Handling Risks Life Insurance plays a major role to hedge the risks of the future, which may or may not take place. It is also used to hedge against the risk of an uncertain loss. Risk Cover Life today is full of uncertainties; in this scenario Life Insurance ensures that your loved ones continue to enjoy a good quality of life against any unforeseen event and to cover the risk of loss. Financial Security The policy of life insurance provides economical security to the family of the policy holder in case of death of the breadwinner. On occurrence of this unfortunate event, the family is forced with a cash crunch. But by availing a life insurance policy, this problem of cash crunch is solved by a lump sum amount paid by the insurer. Planning for Life Stage Needs Life Insurance not only provides for monetary support in the event of untimely death but also acts as a long term investment. The policyholder can meet his aims in life such as childrens education, their marriage, building dream home or planning a relaxed retired life (all according to life stage needs and risk appetite). Some prevalent policies like traditional endowment plans, offer in-built guarantees and defined maturity benefits through variety of product options covering all major risks such as Money Back, Guaranteed Cash Values and Guaranteed Maturity Values (see chapter 9 and 10 for more details). Protection against Rising Health Expenses The cost of health is increasing day by day and the instrument like insurance helps in meeting these heavy unbearable expenses. Insurance Companies, either through riders or stand alone health insurance plans offer the benefits of protection against the risks of critical diseases and hospitalization expenses. (see chapter 13 for more details). Builds the Habit of Prudence Life Insurance is a long-term contract, where, as policyholder, you have to pay a fixed amount in the form of premium at definite intervals. This builds a prudent habit of long-term savings and these regular savings over a period of time ensures that a decent corpus is built to meet financial needs at various life stages and cover all those risks faced in the future. Safe and Profitable Long-Term Investment Life Insurance is a highly regulated sector whereby, IRDA (Insurance Regulatory and Development Authority), the regulatory body, by various rules and regulations ensures that the safety of the policyholders money being the primary responsibility of the Insurance Company. Life Insurance also being a long-term savings instrument, ensures that the insurers focus on returns over a long-term and avoid risky investment decisions for short term gains. Assured income through Annuities Life Insurance is one of the best instruments for retirement planning. The money saved during the earning life span is utilized to provide a steady source of income during the retired phase of life (refer chapter 12 for details). Protection plus Savings over a Long Term Since traditional policies are viewed both by the distributors as well as the customers as a long term commitment; these policies help the policyholders meet the dual needs of protection as well as long term wealth creation efficiently. Growth through Dividends Participating (with profit) policies offer an opportunity to participate in the economic growth without taking the investment risk. The investment income is distributed among the policyholders through annual announcement of dividends/ bonus. Facility of Loans without affecting the Policy Benefits Policyholders can avail loans on all traditional policies, except money-back plans, if he has paid premiums for at least three years. The interest rates vary from company to company. This helps them to meet unplanned life stage needs without adversely affecting the benefits of the policy they have bought. Note : The way the loan amount is calculated is different for ULIPs and traditional policies but recently as reported by the newspaper Business Standard on 22nd Jan 2012, IRDA is planning to ban loans by life insurance companies against ULIPs and is not approving any unit-linked plans with a clause of loans against policy. IRDA Chairman, Mr. J Hari Narayan confirmed the fact that, Fundamentally, ULIPs are risky products, given that they are linked with the stock market. In case the fund value drops dramatically due to negative price movement, the risk would come to the insurers. Hence, loans against such products are not advisable. Mortgage Redemption There are circumstances in life when the individual needs funds but is unable to get from various sources. Insurance acts as an effective instrument to cover mortgages and loans taken by the policyholders so that, in case of any mishap, the burden of repayment does not fall on the bereaved family as the loan amount is deducted from the police value on maturity. Major Disadvantages of Life Insurance in Handling Risks There are certain disadvantages to buying life insurance like you have to die to win i.e. you pay your premiums every year because you want to protect your family. This is inexpensive insurance so you had no problems with these payments. 20 years go by and you didnt die. You have nothing to get back from the life insurance company. It would have been a fair deal as you were only paying for death benefit. On the other hand, had you purchased a permanent policy you could keep it forever but if you chose to stop in 20 years for example you would likely get back a good portion of the premiums you paid. If you include your dividends you may actually get back all your premiums at that point. Dividends are not guaranteed so the life insurance company is not allowed to project that this will happen. Permanent policies cost more than term policies so your choice may depend on how much you are able, or are willing, to pay for your life insurance. Life Insurance policies can also be disadvantageous may be due to agents, when you work with an agent you have to pay commission to him, this may lead extra cost. If you cut the middlemen then you can save money on premium. Incompetent Personnel and Facilities in the Industry Not all insurance companies are equipped enough to provide the consumers with life insurance policies they actually require. Many Insurance corporations have emerged after realizing the vast market potential and the untapped new segment. These companies are by and large interested in making huge profits rather than helping the general public with their insurance related queries. In the process, these insurance companies, hire unskilled people and provide poor infrastructural facilities. The insurance companies do not make use of modern methods to find the value of loss of goods insured .This alarming trend seen even in some developed countries is poised to stunt the growth of insurance industry. However with the advent of globalization multinational corporations have been constantly acquiring and merging with these companies. They are therefore able to provide the necessary impetus and remove this setback though not to the full ex tent. Lack of Consumer Awareness The ultimate consumer is still not aware of life insurance policies. The level of his understanding is not sufficient. This is partly because of the reason said above. Some of the domestic companies dont have the technical expertise to implement the latest practices. Moreover the services of insurance agents could sometimes do more bad than good. Some of them try to convince their clients to invest more or to choose certain policies which are not much beneficial to the clients. A person will find himself in trouble if he invests more than what is actually required. Since some agents indulge in unethical practices, this has led to wrong mindsets among general public about insurers. Expensive The life insurance can prove to be a costly affair, particularly when suffering from illness and regarded by insurers as high risk due to some reasons like old age etc. Irrelevant in case of no family or dependents The life insurance policy is irrelevant for an individual who is not having any family or dependents Increasing Premiums The premium payable increases with the increase in age. But the income gradually decreases which makes it difficult to strike a balance. No benefit in case of Long Life Some policies do not provide any cash benefit on the policy holder surviving the policy term. In that case, amount paid for premiums is wasted. From the above discussion, it becomes clear that though life insurance is a mixed blessing, yet its advantages outweigh its disadvantages. But at the same time, it depends on the requirements of the individual. Life insurance is a savings option that helps the individuals, general public, business houses and the nation at large. It is therefore a wise move to choose a life insurance policy but, he has to gather enough information about life insurance companies and their products which suits your requirement. SELECTED REFERENCES Adapted from Pooling of Risk, Mint, Markets and Finance (2012, 9th July) Deepti Bhaskaran Mishra,M.N., Mishra, S. B. (2008), Insurance Principles and Practice, S.Chand. George, E. Rejda, (2008). Principles of Risk Management and Insurance, 9th ed., Pearson Education. QUESTIONS FOR REVIEW AND DISCUSSION Insurance is able to curtail inflation, so it should be made compulsory. Comment. Do you support the view that Indian masses are under insured? Define insurance from viewpoint of the individual and of society. How is diversification form of risk transfer ? In what way does it result in risk reduction ? A common mistake made by people unfamiliar with risk management is to think of self-insurance as being synonymous with risk retention. Discuss the differences between these concepts and the relationship between them. Explain whether the following risks and perils are insurable by private insurers : A hailstorm that destroys your roof The life of an eighty-year-old man A flood Mold Biological warfare Dirty bombs List out at least three major differences between insurance and gambling ? List out at least three major differences between insurance and hedging ? List out the requirements which are necessary to be included in the category of insurable risks by the insurer ? What are the costs to society of insurance and what are the contributions that insurance makes to society that justify these costs. Describe in detail the importance of Insurance. What are the uses to the business community and society as a whole ? Because large-scale human-made and natural disasters are not controllable by insurers, should the government pay for damages? Because insurance is the business of insurers, should they handle their problems without being subsidized by taxpayers? What would be the outcome in terms of safety and loss controls?

Project Management Body Of Knowledge Industry Standards

Thank you for giving me the opportunity to work with your organization and engage with the team of the software development project. As agreed, I have examined the strengths and weaknesses of the project and analyzed the main factors that contribute to the current state of project. My independent assessment of the project and practices related to it is based on the Project Management Body of Knowledge industry standard and is grounded in information that I have gathered from team members. The purpose of this report is to provide you with three options and a recommendation on corrective actions to drive the project forward and towards successful completion. The enclosed appendix encompasses my detailed analysis of the project and risks†¦show more content†¦ACME Fireworks had no internal capabilities to develop the product and manage the project. The company directors took the decision to develop the web system in-house to keep the development costs lower than what was quoted in 5 different RFP responses. A subject matter expert was externally hired as a project lead. He later decided to recruit a project manager after the planning phase was almost finished. Together, the subject matter expert and the project manager recruited an external team of developers and one business analyst. Soon enough, the project was rushed into the execution phase. The project had very strong sponsorship support and a dedicated development team. However, while still in the execution phase, the project incurred cost overruns and scope creep that disappointed the stakeholders during a key product presentation. Failure to implement a holistic project management system and an unbalanced power dynamic between the project manager and the product manager (subject matter expert) resulted in poor tracking and reporting mechanisms that contributed to the current state. Neither the CEO nor the project manager had any proper visibility on the project status. Approach To review and identify solutions for the project, I used the

Oroonoko’s Honorable Downfall - 1433 Words

Before even opening the book, the reader is hit with the paradox of the title, Oroonoko or the Royal Slave. This is already problematic since royalty are highly privileged people who do not end up in dire straits—much less slavery. Aphra Behn presents many paradoxes in her text Oroonoko or the Royal Slave. One of the many paradoxes she utilizes is the one that applies to her hero, Oroonoko; he is an honorable hero, who is also a naà ¯ve fool. Oroonoko was born into royalty and led a career as a valiant and just warrior. Reared for this life, Oroonoko has a character that is intrinsically honorable following his code of loyalty and honesty. His code of honor and love of truth is admirable, but it leads him being betrayed throughout the narrative. This all-or-nothing type of characteristic of Oroonoko is what led to his death because he could not bend. Oroonoko is presented to the reader from the beginning as being a fine man who is extremely brave, Behn writes, â€Å"[T]he most illustrious courts could not have produced a braver man, both for greatness of courage and mind, a judgment more solid, a wit more quick† (12). He gains the role of general after his mentor takes a fatal wound protecting Oroonoko. This shows how much adoration Oroonoko held with his people, even the general. It is through this he decides to return to court to honor the late general’s daughter with the slaves won in the battle. He falls in love with Imoinda and decides to pledge his life to her.Show MoreRelatedCompare And Contrast Sir Gawain And The Green Knight1235 Words   |  5 Pagesthe qualities is a different story. For example, Sir Gawain and The Green Knight, author unknown and Oroonoko by Aphra Behn are two works where the protagonists are comparable. For example, both men are on a dangerous journey, a woman starts their downfall, and lastly, both put their trust in the wrong people. However, they differ in many factor; the main one however, is that Sir Gawain is a knight and Oroonoko is a prince. Sir Gawain and The Green Knight takes place during a New Year’s Eve party.

Upper Intermediate The Passive free essay sample

TEACHER # 8217 ; S ADVICE AND PHRASES # 1053 ; # 1040 ; # 1057 ; # 1058 ; # 1040 ; # 1042 ; # 1051 ; # 1045 ; # 1053 ; # 1048 ; # 1071 ; # 1048 ; # 1060 ; # 1056 ; # 1040 ; # 1047 ; # 1067 ; # 1055 ; # 1056 ; # 1045 ; # 1055 ; # 1054 ; # 1044 ; # 1040 ; # 1042 ; # 1040 ; # 1058 ; # 1045 ; # 1051 ; # 1071 ; Always think how to acquire the maximal consequence under the lower limit attempts # 1054 ; # 1083 ; # 1074 ; # 1077 ; # 1081 ; # 1079 ; # 1089 ; # 1080 ; # 1085 ; # 1082 ; # 1093 ; # 1072 ; # 1091 ; # 1090 ; # 1091 ; # 1075 ; # 1077 ; # 1090 ; # 1079 ; # 1101 ; # 1084 ; # 1101 ; # 1082 ; # 1089 ; # 1080 ; # 1084 ; # 1091 ; # 1084 ; # 1088 ; # 1077 ; # 1079 ; # 1072 ; # 1083 ; # 1090 ; # 1072 ; # 1085 ; # 1076 ; # 1077 ; # 1079 ; # 1077 ; # 1084 ; # 1080 ; # 1085 ; # 1080 ; # 1084 ; # 1091 ; # 1084 ; # 1101 ; # 1092 ; # 1086 ; # 1090 ; # 1089 ; # 1042 ; # 1089 ; # 1077 ; # 1075 ; # 1076 ; # 1072 ; # 1076 ; # 1091 ; # 1084 ; # 1072 ; # 1081 ; , # 1082 ; # 1072 ; # 1082 ; # 1076 ; # 1086 ; # 1073 ; # 1080 ; # 1090 ; # 1100 ; # 1089 ; # 1103 ; # 1084 ; # 1072 ; # 1082 ; # 1089 ; # 1080 ; # 1084 ; # 1072 ; # 1083 ; # 1100 ; # 1085 ; # 1086 ; # 1075 ; # 1086 ; # 1088 ; # 1077 ; # 1079 ; # 1091 ; # 1083 ; # 1100 ; # 1090 ; # 1072 ; # 1090 ; # 1072 ; # 1087 ; # 1088 ; # 1080 ; # 1084 ; # 1080 ; # 1085 ; # 1080 ; # 1084 ; # 1072 ; # 1083 ; # 1100 ; # 1085 ; # 1099 ; # 1093 ; # 1091 ; # 1089 ; # 1080 ; # 1083 ; # 1080 ; # 1103 ; # 1093 ; Always think about your hereafter calling # 1054 ; # 1083 ; # 1074 ; # 1077 ; # 1081 ; # 1079 ; # 1089 ; # 1080 ; # 1085 ; # 1082 ; # 1101 ; # 1073 ; # 1072 ; # 1091 ; # 1090 ; # 1105 ; # 1092 ; # 1100 ; # 1102 ; # 1095 ; # 1101 ; # 1082 ; # 1101 ; # 1088 ; # 1080 ; # 1101 ; # 1042 ; # 1089 ; # 1077 ; # 1075 ; # 1076 ; # 1072 ; # 1076 ; # 1091 ; # 1084 ; # 1072 ; # 1081 ; # 1086 ; # 1090 ; # 1074 ; # 1086 ; # 1077 ; # 1081 ; # 1073 ; # 1091 ; # 1076 ; # 1091 ; # 1097 ; # 1077 ; # 1081 ; # 1082 ; # 1072 ; # 1088 ; # 1100 ; # 1077 ; # 1088 ; # 1077 ; Always plan your work # 1086 ; # 1083 ; # 1074 ; # 1101 ; # 1081 ; # 1079 ; # 1087 ; # 1083 ; # 1101 ; # 1085 ; # 1105 ; # 1074 ; # 1086 ; # 1088 ; # 1082 ; # 1042 ; # 1089 ; # 1077 ; # 1075 ; # 1076 ; # 1072 ; # 1087 ; # 1083 ; # 1072 ; # 1085 ; # 1080 ; # 1088 ; # 1091 ; # 1081 ; # 1088 ; # 1072 ; # 1073 ; # 1086 ; # 1090 ; # 1091 ; Invest in future # 1080 ; # 1085 ; # 1074 ; # 1077 ; # 1089 ; # 1090 ; # 1080 ; # 1085 ; # 1092 ; # 1100 ; # 1102 ; # 1095 ; # 1077 ; # 1042 ; # 1082 ; # 1083 ; # 1072 ; # 1076 ; # 1099 ; # 1074 ; # 1072 ; # 1081 ; # 1074 ; # 1073 ; # 1091 ; # 1076 ; # 1091 ; # 1097 ; # 1077 ; # 1077 ; Invest in rational belongings # 1048 ; # 1085 ; # 1074 ; # 1077 ; # 1089 ; # 1090 ; # 1080 ; # 1085 ; # 1080 ; # 1085 ; # 1090 ; # 1101 ; # 1083 ; # 1077 ; # 1082 ; # 1095 ; # 1091 ; # 1072 ; # 1083 ; # 1087 ; # 1088 ; # 1086 ; # 1087 ; # 1077 ; # 1090 ; # 1080 ; # 1042 ; # 1082 ; # 1083 ; # 1072 ; # 1076 ; # 1099 ; # 1074 ; # 1072 ; # 1081 ; # 1074 ; # 1080 ; # 1085 ; # 1090 ; # 1077 ; # 1083 ; # 1083 ; # 1077 ; # 1082 ; # 1090 ; # 1091 ; # 1072 ; # 1083 ; # 1100 ; # 1085 ; # 1091 ; # 1102 ; # 1089 ; # 1086 ; # 1073 ; # 1089 ; # 1090 ; # 1074 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1089 ; # 1090 ; # 1100 ; Find your ain associations with this word # 1060 ; # 1072 ; # 1081 ; # 1085 ; # 1076 ; # 1077 ; # 1086 ; # 1091 ; # 1085 ; # 1101 ; # 1089 ; # 1086 ; # 1089 ; # 1080 ; # 1101 ; # 1081 ; # 1096 ; # 1085 ; # 1079 ; # 1074 ; # 1080 ; # 1079 ; # 1079 ; # 1080 ; # 1089 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1053 ; # 1072 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1089 ; # 1074 ; # 1086 ; # 1080 ; # 1089 ; # 1086 ; # 1073 ; # 1089 ; # 1090 ; # 1074 ; # 1077 ; # 1085 ; # 1085 ; # 1099 ; # 1077 ; # 1072 ; # 1089 ; # 1089 ; # 1086 ; # 1094 ; # 1080 ; # 1072 ; # 1094 ; # 1080 ; # 1080 ; # 1082 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; # 1084 ; Could you come on Monday at 1 autopsy? # 1050 ; # 1091 ; # 1076 ; # 1102 ; # 1082 ; # 1072 ; # 1084 ; # 1086 ; # 1085 ; # 1084 ; # 1072 ; # 1085 ; # 1076 ; # 1077 ; # 1081 ; # 1101 ; # 1090 ; # 1042 ; # 1072 ; # 1085 ; # 1087 ; # 1080 ; # 1101 ; # 1084 ; # 1053 ; # 1077 ; # 1084 ; # 1086 ; # 1075 ; # 1090 ; # 1099 ; # 1087 ; # 1088 ; # 1080 ; # 1081 ; # 1090 ; # 1080 ; # 1074 ; # 1087 ; # 1085 ; # 1076 ; # 1074 ; # 1095 ; # 1072 ; # 1089 ; ? Could you give me a pen? # 1050 ; # 1091 ; # 1076 ; # 1102 ; # 1075 ; # 1080 ; # 1074 ; # 1084 ; # 1080 ; # 1101 ; # 1087 ; # 1101 ; # 1085 ; # 1053 ; # 1077 ; # 1084 ; # 1086 ; # 1075 ; # 1073 ; # 1099 ; # 1076 ; # 1072 ; # 1090 ; # 1100 ; # 1088 ; # 1091 ; # 1095 ; # 1082 ; # 1091 ; ? Describe the image # 1044 ; # 1080 ; # 1089 ; # 1082 ; # 1088 ; # 1072 ; # 1081 ; # 1073 ; # 1079 ; # 1101 ; # 1087 ; # 1080 ; # 1082 ; # 1095 ; # 1077 ; # 1054 ; # 1087 ; # 1080 ; # 1096 ; # 1080 ; # 1082 ; # 1072 ; # 1088 ; # 1090 ; # 1080 ; # 1085 ; # 1082 ; # 1091 ; Follow the instructions # 1060 ; # 1086 ; # 1083 ; # 1083 ; # 1086 ; # 1091 ; # 1079 ; # 1101 ; # 1080 ; # 1085 ; # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1082 ; # 1096 ; # 1085 ; # 1057 ; # 1083 ; # 1077 ; # 1076 ; # 1091 ; # 1081 ; # 1080 ; # 1085 ; # 1089 ; # 1090 ; # 1088 ; # 1091 ; # 1082 ; # 1094 ; # 1080 ; # 1103 ; # 1084 ; Travel to the chalkboard # 1043 ; # 1086 ; # 1091 ; # 1090 ; # 1091 ; # 1079 ; # 1101 ; # 1073 ; # 1083 ; # 1101 ; # 1082 ; # 1073 ; # 1086 ; # 1088 ; # 1076 ; # 1048 ; # 1076 ; # 1080 ; # 1082 ; # 1076 ; # 1086 ; # 1089 ; # 1082 ; # 1077 ; Learn by bosom once more # 1051 ; # 1105 ; # 1085 ; # 1073 ; # 1072 ; # 1081 ; # 1093 ; # 1072 ; # 1090 ; # 1101 ; # 1075 ; # 1077 ; # 1081 ; # 1085 ; # 1042 ; # 1099 ; # 1091 ; # 1095 ; # 1080 ; # 1085 ; # 1072 ; # 1080 ; # 1079 ; # 1091 ; # 1089 ; # 1090 ; # 1100 ; # 1089 ; # 1085 ; # 1086 ; # 1074 ; # 1072 ; Let # 8217 ; s look into your debts # 1051 ; # 1077 ; # 1090 ; # 1089 ; # 1095 ; # 1077 ; # 1082 ; # 1105 ; # 1076 ; # 1077 ; # 1090 ; # 1089 ; # 1044 ; # 1072 ; # 1074 ; # 1072 ; # 1081 ; # 1087 ; # 1088 ; # 1086 ; # 1074 ; # 1077 ; # 1088 ; # 1080 ; # 1084 ; # 1076 ; # 1086 ; # 1083 ; # 1075 ; # 1080 ; Listen to the tape 10 times at least # 1051 ; # 1080 ; # 1089 ; # 1085 ; # 1090 ; # 1091 ; # 1079 ; # 1101 ; # 1090 ; # 1101 ; # 1081 ; # 1087 ; # 1090 ; # 1101 ; # 1085 ; # 1090 ; # 1072 ; # 1081 ; # 1084 ; # 1079 ; # 1101 ; # 1090 ; # 1083 ; # 1080 ; # 1089 ; # 1090 ; # 1057 ; # 1083 ; # 1091 ; # 1096 ; # 1072 ; # 1081 ; # 1087 ; # 1083 ; # 1077 ; # 1085 ; # 1082 ; # 1091 ; 10 # 1088 ; # 1072 ; # 1079 ; # 1084 ; # 1080 ; # 1085 ; # 1080 ; # 1084 ; # 1091 ; # 1084 ; Expression here # 1051 ; # 1091 ; # 1082 ; # 1093 ; # 1080 ; # 1072 ; # 1087 ; # 1086 ; # 1089 ; # 1084 ; # 1086 ; # 1090 ; # 1088 ; # 1080 ; # 1089 ; # 1102 ; # 1076 ; # 1072 ; Make a transcript for me # 1052 ; # 1077 ; # 1081 ; # 1082 ; # 1101 ; # 1082 ; # 1086 ; # 1087 ; # 1080 ; # 1092 ; # 1086 ; # 1084 ; # 1080 ; # 1057 ; # 1076 ; # 1077 ; # 1083 ; # 1072 ; # 1081 ; # 1082 ; # 1086 ; # 1087 ; # 1080 ; # 1102 ; # 1076 ; # 1083 ; # 1103 ; # 1084 ; # 1077 ; # 1085 ; # 1103 ; Make notes # 1052 ; # 1077 ; # 1081 ; # 1082 ; # 1085 ; # 1086 ; # 1091 ; # 1090 ; # 1089 ; # 1044 ; # 1077 ; # 1083 ; # 1072 ; # 1081 ; # 1079 ; # 1072 ; # 1084 ; # 1077 ; # 1090 ; # 1082 ; # 1080 ; ( # 1079 ; # 1072 ; # 1087 ; # 1080 ; # 1089 ; # 1099 ; # 1074 ; # 1072 ; # 1081 ; ) Make notes of all unknown words # 1052 ; # 1077 ; # 1081 ; # 1082 ; # 1085 ; # 1086 ; # 1091 ; # 1090 ; # 1089 ; # 1086 ; # 1092 ; # 1086 ; # 1083 ; # 1072 ; # 1085 ; # 1085 ; # 1086 ; # 1091 ; # 1085 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1079 ; # 1047 ; # 1072 ; # 1087 ; # 1080 ; # 1089 ; # 1099 ; # 1074 ; # 1072 ; # 1081 ; # 1074 ; # 1089 ; # 1077 ; # 1085 ; # 1077 ; # 1079 ; # 1085 ; # 1072 ; # 1082 ; # 1086 ; # 1084 ; # 1099 ; # 1077 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; Mind your pronunciation # 1052 ; # 1072 ; # 1081 ; # 1085 ; # 1076 ; # 1105 ; # 1087 ; # 1088 ; # 1086 ; # 1085 ; # 1086 ; # 1085 ; # 1089 ; # 1077 ; # 1081 ; # 1096 ; # 1085 ; # 1054 ; # 1073 ; # 1088 ; # 1072 ; # 1090 ; # 1080 ; # 1074 ; # 1085 ; # 1080 ; # 1084 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; # 1085 ; # 1072 ; # 1087 ; # 1088 ; # 1086 ; # 1080 ; # 1079 ; # 1085 ; # 1086 ; # 1096 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; Pay particular attending to this # 1055 ; # 1101 ; # 1081 ; # 1089 ; # 1087 ; # 1077 ; # 1096 ; # 1083 ; # 1101 ; # 1090 ; # 1101 ; # 1085 ; # 1096 ; # 1085 ; # 1090 ; # 1091 ; # 1079 ; # 1080 ; # 1089 ; # 1054 ; # 1073 ; # 1088 ; # 1072 ; # 1090 ; # 1080 ; # 1085 ; # 1072 ; # 1101 ; # 1090 ; # 1086 ; # 1074 ; # 1085 ; # 1080 ; # 1084 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; Open the book # 1054 ; # 1091 ; # 1087 ; # 1101 ; # 1085 ; # 1079 ; # 1101 ; # 1073 ; # 1091 ; # 1082 ; # 1054 ; # 1090 ; # 1082 ; # 1088 ; # 1086 ; # 1081 ; # 1082 ; # 1085 ; # 1080 ; # 1075 ; # 1091 ; Close the book # 1050 ; # 1083 ; # 1086 ; # 1091 ; # 1079 ; # 1079 ; # 1101 ; # 1073 ; # 1091 ; # 1082 ; # 1047 ; # 1072 ; # 1082 ; # 1088 ; # 1086 ; # 1081 ; # 1082 ; # 1085 ; # 1080 ; # 1075 ; # 1091 ; Press the left button # 1055 ; # 1088 ; # 1077 ; # 1089 ; # 1089 ; # 1079 ; # 1101 ; # 1083 ; # 1077 ; # 1092 ; # 1090 ; # 1073 ; # 1072 ; # 1090 ; # 1085 ; # 1053 ; # 1072 ; # 1078 ; # 1084 ; # 1080 ; # 1083 ; # 1077 ; # 1074 ; # 1091 ; # 1102 ; # 1082 ; # 1085 ; # 1086 ; # 1087 ; # 1082 ; # 1091 ; Press the right button # 1055 ; # 1088 ; # 1077 ; # 1089 ; # 1089 ; # 1079 ; # 1101 ; # 1056 ; # 1072 ; # 1081 ; # 1090 ; # 1073 ; # 1072 ; # 1090 ; # 1085 ; # 1053 ; # 1072 ; # 1078 ; # 1084 ; # 1080 ; # 1087 ; # 1088 ; # 1072 ; # 1074 ; # 1091 ; # 1102 ; # 1082 ; # 1085 ; # 1086 ; # 1087 ; # 1082 ; # 1091 ; Double chink # 1044 ; # 1072 ; # 1073 ; # 1083 ; # 1082 ; # 1083 ; # 1080 ; # 1082 ; # 1044 ; # 1074 ; # 1086 ; # 1081 ; # 1085 ; # 1086 ; # 1081 ; # 1097 ; # 1077 ; # 1083 ; # 1095 ; # 1086 ; # 1082 ; Repeat after me # 1056 ; # 1080 ; # 1087 ; # 1080 ; # 1090 ; # 1072 ; # 1092 ; # 1090 ; # 1077 ; # 1084 ; # 1080 ; # 1055 ; # 1086 ; # 1074 ; # 1090 ; # 1086 ; # 1088 ; # 1103 ; # 1081 ; # 1079 ; # 1072 ; # 1084 ; # 1085 ; # 1086 ; # 1081 ; Repeat the words until you memorize them # 1056 ; # 1080 ; # 1087 ; # 1080 ; # 1090 ; # 1079 ; # 1077 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1079 ; # 1072 ; # 1085 ; # 1090 ; # 1080 ; # 1083 ; # 1102 ; # 1084 ; # 1101 ; # 1084 ; # 1086 ; # 1088 ; # 1072 ; # 1081 ; # 1079 ; # 1079 ; # 1077 ; # 1084 ; # 1055 ; # 1086 ; # 1074 ; # 1090 ; # 1086 ; # 1088 ; # 1103 ; # 1081 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; # 1076 ; # 1086 ; # 1090 ; # 1077 ; # 1093 ; # 1087 ; # 1086 ; # 1088 ; , # 1087 ; # 1086 ; # 1082 ; # 1072 ; # 1080 ; # 1093 ; # 1085 ; # 1077 ; # 1079 ; # 1072 ; # 1087 ; # 1086 ; # 1084 ; # 1085 ; # 1080 ; # 1096 ; # 1100 ; Retell the text # 1056 ; # 1080 ; # 1090 ; # 1101 ; # 1083 ; # 1079 ; # 1077 ; # 1090 ; # 1101 ; # 1082 ; # 1089 ; # 1090 ; # 1055 ; # 1077 ; # 1088 ; # 1077 ; # 1089 ; # 1082 ; # 1072 ; # 1078 ; # 1080 ; # 1090 ; # 1077 ; # 1082 ; # 1089 ; # 1090 ; Stand up # 1057 ; # 1090 ; # 1101 ; # 1085 ; # 1076 ; # 1072 ; # 1087 ; # 1074 ; # 1089 ; # 1090 ; # 1072 ; # 1085 ; # 1100 ; Sit down # 1057 ; # 1080 ; # 1090 ; # 1076 ; # 1072 ; # 1091 ; # 1085 ; # 1089 ; # 1072 ; # 1076 ; # 1080 ; # 1089 ; # 1100 ; Repeat after me # 1056 ; # 1080 ; # 1087 ; # 1080 ; # 1090 ; # 1072 ; # 1092 ; # 1090 ; # 1077 ; # 1084 ; # 1080 ; # 1055 ; # 1086 ; # 1074 ; # 1090 ; # 1086 ; # 1088 ; # 1103 ; # 1081 ; # 1079 ; # 1072 ; # 1084 ; # 1085 ; # 1086 ; # 1081 ; Retell the text # 1056 ; # 1080 ; # 1090 ; # 1101 ; # 1083 ; # 1079 ; # 1077 ; # 1090 ; # 1101 ; # 1082 ; # 1089 ; # 1090 ; # 1055 ; # 1077 ; # 1088 ; # 1077 ; # 1089 ; # 1082 ; # 1072 ; # 1078 ; # 1080 ; # 1090 ; # 1077 ; # 1082 ; # 1089 ; # 1090 ; Spell the word # 1057 ; # 1087 ; # 1101 ; # 1083 ; # 1079 ; # 1101 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1055 ; # 1088 ; # 1086 ; # 1080 ; # 1079 ; # 1085 ; # 1077 ; # 1089 ; # 1080 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1086 ; Translate from English into Russian # 1058 ; # 1088 ; # 1072 ; # 1085 ; # 1089 ; # 1083 ; # 1101 ; # 1081 ; # 1090 ; # 1092 ; # 1088 ; # 1086 ; # 1084 ; # 1080 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1096 ; # 1080 ; # 1085 ; # 1090 ; # 1086 ; # 1088 ; # 1072 ; # 1096 ; # 1085 ; # 1055 ; # 1077 ; # 1088 ; # 1077 ; # 1074 ; # 1077 ; # 1076 ; # 1080 ; # 1089 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1086 ; # 1075 ; # 1086 ; # 1085 ; # 1072 ; # 1088 ; # 1091 ; # 1089 ; # 1089 ; # 1082 ; # 1080 ; # 1081 ; Translate from Russian into English # 1058 ; # 1088 ; # 1072 ; # 1085 ; # 1089 ; # 1083 ; # 1101 ; # 1081 ; # 1090 ; # 1092 ; # 1088 ; # 1086 ; # 1084 ; # 1088 ; # 1072 ; # 1096 ; # 1085 ; # 1080 ; # 1085 ; # 1090 ; # 1086 ; # 1080 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1096 ; # 1055 ; # 1077 ; # 1088 ; # 1077 ; # 1074 ; # 1077 ; # 1076 ; # 1080 ; # 1089 ; # 1088 ; # 1091 ; # 1089 ; # 1089 ; # 1082 ; # 1086 ; # 1075 ; # 1086 ; # 1085 ; # 1072 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1080 ; # 1081 ; Write down the written text of the word # 1056 ; # 1072 ; # 1081 ; # 1090 ; # 1044 ; # 1072 ; # 1091 ; # 1085 ; # 1079 ; # 1077 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1089 ; # 1082 ; # 1088 ; # 1080 ; # 1087 ; # 1096 ; # 1085 ; # 1086 ; # 1092 ; # 1079 ; # 1077 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1053 ; # 1072 ; # 1087 ; # 1080 ; # 1096 ; # 1080 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1089 ; # 1082 ; # 1088 ; # 1080 ; # 1087 ; # 1094 ; # 1080 ; # 1102 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; What was your place undertaking? # 1042 ; # 1086 ; # 1090 ; # 1074 ; # 1086 ; # 1079 ; # 1105 ; # 1093 ; # 1086 ; # 1091 ; # 1084 ; # 1090 ; # 1072 ; # 1089 ; # 1082 ; # 1050 ; # 1072 ; # 1082 ; # 1086 ; # 1077 ; # 1073 ; # 1099 ; # 1083 ; # 1086 ; # 1076 ; # 1086 ; # 1084 ; # 1072 ; # 1096 ; # 1085 ; # 1077 ; # 1077 ; # 1079 ; # 1072 ; # 1076 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; ? Why oasis # 8217 ; t you done it? # 1042 ; # 1072 ; # 1081 ; # 1093 ; # 1101 ; # 1074 ; # 1085 ; # 1090 ; # 1102 ; # 1076 ; # 1072 ; # 1085 ; # 1080 ; # 1090 ; # 1055 ; # 1086 ; # 1095 ; # 1077 ; # 1084 ; # 1091 ; # 1085 ; # 1077 ; # 1089 ; # 1076 ; # 1077 ; # 1083 ; # 1072 ; # 1083 ; ? Write down the interlingual rendition of the word # 1056 ; # 1072 ; # 1081 ; # 1090 ; # 1044 ; # 1072 ; # 1091 ; # 1085 ; # 1079 ; # 1077 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1089 ; # 1083 ; # 1077 ; # 1081 ; # 1096 ; # 1085 ; # 1086 ; # 1092 ; # 1079 ; # 1077 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1053 ; # 1072 ; # 1087 ; # 1080 ; # 1096 ; # 1080 ; # 1087 ; # 1077 ; # 1088 ; # 1077 ; # 1074 ; # 1086 ; # 1076 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; Write down the word # 1056 ; # 1072 ; # 1081 ; # 1090 ; # 1044 ; # 1072 ; # 1091 ; # 1085 ; # 1079 ; # 1077 ; # 1074 ; # 1086 ; # 1088 ; # 1076 ; # 1053 ; # 1072 ; # 1087 ; # 1080 ; # 1096 ; # 1080 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1086 ; Write down your place undertaking # 1056 ; # 1072 ; # 1081 ; # 1090 ; # 1044 ; # 1072 ; # 1091 ; # 1085 ; # 1105 ; # 1093 ; # 1086 ; # 1091 ; # 1084 ; # 1090 ; # 1072 ; # 1089 ; # 1082 ; # 1047 ; # 1072 ; # 1087 ; # 1080 ; # 1096 ; # 1080 ; # 1076 ; # 1086 ; # 1084 ; # 1072 ; # 1096 ; # 1085 ; # 1077 ; # 1077 ; # 1079 ; # 1072 ; # 1076 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; You have to purchase this text book # 1070 ; # 1093 ; # 1101 ; # 1074 ; # 1090 ; # 1091 ; # 1073 ; # 1072 ; # 1081 ; # 1079 ; # 1101 ; # 1090 ; # 1077 ; # 1082 ; # 1089 ; # 1090 ; # 1073 ; # 1091 ; # 1082 ; # 1058 ; # 1077 ; # 1073 ; # 1077 ; # 1085 ; # 1091 ; # 1078 ; # 1085 ; # 1086 ; # 1082 ; # 1091 ; # 1087 ; # 1080 ; # 1090 ; # 1100 ; # 1101 ; # 1090 ; # 1086 ; # 1090 ; # 1091 ; # 1095 ; # 1077 ; # 1073 ; # 1085 ; # 1080 ; # 1082 ; You have to travel place # 1070 ; # 1093 ; # 1101 ; # 1074 ; # 1090 ; # 1091 ; # 1075 ; # 1086 ; # 1091 ; # 1093 ; # 1086 ; # 1091 ; # 1084 ; # 1058 ; # 1077 ; # 1073 ; # 1077 ; # 1085 ; # 1091 ; # 1078 ; # 1085 ; # 1086 ; # 1080 ; # 1076 ; # 1090 ; # 1080 ; # 1076 ; # 1086 ; # 1084 ; # 1086 ; # 1081 ; You need clip and forbearance, but don # 8217 ; t give up # 1070 ; # 1085 ; # 1080 ; # 1080 ; # 1076 ; # 1090 ; # 1072 ; # 1081 ; # 1084 ; # 1101 ; # 1085 ; # 1076 ; # 1087 ; # 1101 ; # 1081 ; # 1096 ; # 1085 ; # 1089 ; # 1073 ; # 1072 ; # 1090 ; # 1076 ; # 1086 ; # 1091 ; # 1085 ; # 1090 ; # 1075 ; # 1080 ; # 1074 ; # 1072 ; # 1087 ; # 1058 ; # 1077 ; # 1073 ; # 1077 ; # 1085 ; # 1091 ; # 1078 ; # 1085 ; # 1086 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1103 ; # 1080 ; # 1090 ; # 1077 ; # 1088 ; # 1087 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; , # 1085 ; # 1086 ; # 1085 ; # 1077 ; # 1089 ; # 1076 ; # 1072 ; # 1074 ; # 1072 ; # 1081 ; # 1089 ; # 1103 ; ( # 1085 ; # 1077 ; # 1073 ; # 1088 ; # 1086 ; # 1089 ; # 1072 ; # 1081 ; ) Travel on # 1043 ; # 1086 ; # 1091 ; # 1086 ; # 1085 ; # 1087 ; # 1088 ; # 1086 ; # 1076 ; # 1086 ; # 1083 ; # 1078 ; # 1072 ; # 1081 ; The lesson is over # 1047 ; # 1101 ; # 1083 ; # 1077 ; # 1089 ; # 1089 ; # 1086 ; # 1085 ; # 1080 ; # 1079 ; # 1086 ; # 1091 ; # 1074 ; # 1077 ; # 1088 ; # 1059 ; # 1088 ; # 1086 ; # 1082 ; # 1086 ; # 1082 ; # 1086 ; # 1085 ; # 1095 ; # 1077 ; # 1085 ; Upper Intermediate: The Passive We use the passive often in English for the undermentioned grounds: 1. To do the sentence more formal 2. Because we do nt cognize the topic of the sentence 3. To do the action ( object ) more of import than the topic. For illustration: a. The garden is watered every forenoon. B. The experiment was carried out at 7.00pm c. Free cosmetics are being given out at the minute in the shopping Centre. Excess information You can utilize the passive with every grammar tense in English, except for present perfect uninterrupted and past perfect uninterrupted e.g. a. The window is opened every forenoon [ Present simple ] B. The window is being opened at the minute [ Present uninterrupted ] c. The window has been opened. [ Present perfect ] # 1054 ; # 1089 ; # 1086 ; # 1073 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1089 ; # 1090 ; # 1080 ; # 1091 ; # 1087 ; # 1086 ; # 1090 ; # 1088 ; # 1077 ; # 1073 ; # 1083 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1087 ; # 1088 ; # 1080 ; # 1090 ; # 1103 ; # 1078 ; # 1072 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1099 ; # 1093 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1081 ; # 1080 ; # 1089 ; # 1086 ; # 1082 ; # 1088 ; # 1072 ; # 1097 ; # 1077 ; # 1085 ; # 1080 ; # 1081 ; # 1042 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1086 ; # 1084 ; # 1103 ; # 1079 ; # 1099 ; # 1082 ; # 1077 ; # 1080 ; # 1085 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1074 ; # 1099 ; # 1079 ; # 1099 ; # 1074 ; # 1072 ; # 1102 ; # 1090 ; # 1087 ; # 1091 ; # 1090 ; # 1072 ; # 1085 ; # 1080 ; # 1094 ; # 1091 ; # 1090 ; # 1072 ; # 1082 ; # 1080 ; # 1077 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; , # 1082 ; # 1072 ; # 1082 ;itsit s,theirat that placethey re,thanso,who swhose,youryou re. # 1053 ; # 1086 ; # 1085 ; # 1077 ; # 1089 ; # 1084 ; # 1086 ; # 1090 ; # 1088 ; # 1103 ; # 1085 ; # 1072 ; # 1087 ; # 1086 ; # 1093 ; # 1086 ; # 1078 ; # 1077 ; # 1077 ; # 1079 ; # 1074 ; # 1091 ; # 1095 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; # 1080 ; # 1083 ; # 1080 ; # 1085 ; # 1072 ; # 1087 ; # 1080 ; # 1089 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; # 1086 ; # 1085 ; # 1080 ; # 1080 ; # 1084 ; # 1077 ; # 1102 ; # 1090 ; # 1089 ; # 1086 ; # 1074 ; # 1089 ; # 1077 ; # 1084 ; # 1088 ; # 1072 ; # 1079 ; # 1085 ; # 1099 ; # 1077 ; # 1079 ; # 1085 ; # 1072 ; # 1095 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; , # 1080 ; # 1089 ; # 1077 ; # 1075 ; # 1086 ; # 1076 ; # 1085 ; # 1103 ; # 1084 ; # 1099 ; # 1087 ; # 1086 ; # 1087 ; # 1088 ; # 1086 ; # 1073 ; # 1091 ; # 1077 ; # 1084 ; # 1074 ; # 1085 ; # 1080 ; # 1093 ; # 1088 ; # 1072 ; # 1079 ; # 1086 ; # 1073 ; # 1088 ; # 1072 ; # 1090 ; # 1100 ; # 1089 ; # 1103 ; .Itsit s # 1055 ; # 1088 ; # 1077 ; # 1078 ; # 1076 ; # 1077 ; # 1074 ; # 1089 ; # 1077 ; # 1075 ; # 1086 ; # 1074 ; # 1089 ; # 1087 ; # 1086 ; # 1084 ; # 1085 ; # 1080 ; # 1084 ; , # 1095 ; # 1090 ; # 1086 ; # 1074 ; # 1089 ; # 1077 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1080 ; # 1077 ; # 1087 ; # 1088 ; # 1080 ; # 1090 ; # 1103 ; # 1078 ; # 1072 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1099 ; # 1077 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1087 ; # 1080 ; # 1096 ; # 1091 ; # 1090 ; # 1089 ; # 1103 ; # 1073 ; # 1077 ; # 1079 ; # 1072 ; # 1087 ; # 1086 ; # 1089 ; # 1090 ; # 1088 ; # 1086 ; # 1092 ; # 1072 ; his( # 1077 ; # 1075 ; # 1086 ; ) ,hers( # 1077 ; # 1105 ; ) ,ours( # 1085 ; # 1072 ; # 1096 ; ) ,their( # 1080 ; # 1093 ; ) . # 1058 ; # 1086 ; # 1078 ; # 1077 ; # 1082 ; # 1072 ; # 1089 ; # 1072 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; # 1080 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ;its, # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1091 ; # 1102 ; # 1097 ; # 1077 ; # 1075 ; # 1086 ; # 1089 ; # 1103 ; # 1089 ; # 1085 ; # 1077 ; # 1086 ; # 1076 ; # 1091 ; # 1096 ; # 1077 ; # 1074 ; # 1083 ; # 1077 ; # 1085 ; # 1085 ; # 1099 ; # 1084 ; # 1080 ; # 1087 ; # 1088 ; # 1077 ; # 1076 ; # 1084 ; # 1077 ; # 1090 ; # 1072 ; # 1084 ; # 1080 ; . # 1055 ; # 1088 ; # 1086 ; # 1073 ; # 1083 ; # 1077 ; # 1084 ; # 1072 ; # 1079 ; # 1072 ; # 1082 ; # 1083 ; # 1102 ; # 1095 ; # 1072 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; # 1074 ; # 1090 ; # 1086 ; # 1084 ; , # 1095 ; # 1090 ; # 1086 ; , # 1082 ; # 1088 ; # 1086 ; # 1084 ; # 1077 ; # 1101 ; # 1090 ; # 1086 ; # 1075 ; # 1086 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; , # 1089 ; # 1091 ; # 1097 ; # 1077 ; # 1089 ; # 1090 ; # 1074 ; # 1091 ; # 1077 ; # 1090 ; # 1080 ; # 1089 ; # 1086 ; # 1082 ; # 1088 ; # 1072 ; # 1097 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ;it s # 1086 ; # 1090 ;it is # 1080 ; # 1083 ; # 1080 ;it has. # 1055 ; # 1088 ; # 1080 ; # 1079 ; # 1072 ; # 1090 ; # 1088 ; # 1091 ; # 1076 ; # 1085 ; # 1077 ; # 1085 ; # 1080 ; # 1080 ; # 1084 ; # 1086 ; # 1078 ; # 1085 ; # 1086 ; # 1087 ; # 1086 ; # 1087 ; # 1088 ; # 1086 ; # 1073 ; # 1086 ; # 1074 ; # 1072 ; # 1090 ; # 1100 ; # 1079 ; # 1072 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1090 ; # 1100 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ;its # 1085 ; # 1072 ;his # 1080 ; # 1083 ; # 1080 ;her # 1080 ; , # 1077 ; # 1089 ; # 1083 ; # 1080 ; # 1087 ; # 1088 ; # 1077 ; # 1076 ; # 1083 ; # 1086 ; # 1078 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; # 1087 ; # 1086 ; # 1090 ; # 1077 ; # 1088 ; # 1103 ; # 1077 ; # 1090 ; # 1074 ; # 1089 ; # 1103 ; # 1082 ; # 1080 ; # 1081 ; # 1089 ; # 1084 ; # 1099 ; # 1089 ; # 1083 ; , # 1090 ; # 1086 ; # 1085 ; # 1072 ; # 1089 ; # 1072 ; # 1084 ; # 1086 ; # 1084 ; # 1076 ; # 1077 ; # 1083 ; # 1077 ; # 1101 ; # 1090 ; # 1086 ; # 1089 ; # 1086 ; # 1082 ; # 1088 ; # 1072 ; # 1097 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ;it s: Its/It s raining. ( Her raining. ) = gt ;It sraining. # 1048 ; # 1076 ; # 1077 ; # 1090 ; # 1076 ; # 1086 ; # 1078 ; # 1076 ; # 1100 ; .I do nt wishitscoloring material. ( I do nt wish his coloring material. ) # 1052 ; # 1085 ; # 1077 ; # 1085 ; # 1077 ; # 1085 ; # 1088 ; # 1072 ; # 1074 ; # 1080 ; # 1090 ; # 1089 ; # 1103 ; # 1077 ; # 1075 ; # 1086 ; # 1094 ; # 1074 ; # 1077 ; # 1090 ; .Theirat that placethey re # 1058 ; # 1086 ; # 1078 ; # 1077 ; # 1089 ; # 1072 ; # 1084 ; # 1086 ; # 1077 ; # 1086 ; # 1090 ; # 1085 ; # 1086 ; # 1089 ; # 1080 ; # 1090 ; # 1089 ; # 1103 ; # 1080 ; # 1082 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1072 ; # 1084 ;their,they re,at that place.Their # 1101 ; # 1090 ; # 1086 ; # 1087 ; # 1088 ; # 1080 ; # 1090 ; # 1103 ; # 1078 ; # 1072 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1086 ; # 1077 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; # 1080 ; # 1086 ; # 1073 ; # 1086 ; # 1079 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1077 ; # 1090 ; # 1087 ; # 1088 ; # 1080 ; # 1085 ; # 1072 ; # 1076 ; # 1083 ; # 1077 ; # 1078 ; # 1085 ; # 1086 ; # 1089 ; # 1090 ; # 1100 ; .Theirmanners are terrible. # 1048 ; # 1093 ; # 1084 ; # 1072 ; # 1085 ; # 1077 ; # 1088 ; # 1099 ; # 1091 ; # 1078 ; # 1072 ; # 1089 ; # 1085 ; # 1099 ; .They re # 1101 ; # 1090 ; # 1086 ; # 1089 ; # 1086 ; # 1082 ; # 1088 ; # 1072 ; # 1097 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; # 1086 ; # 1090 ;they are # 1080 ; , # 1077 ; # 1089 ; # 1083 ; # 1080 ; # 1077 ; # 1075 ; # 1086 ; # 1085 ; # 1077 ; # 1087 ; # 1086 ; # 1083 ; # 1091 ; # 1095 ; # 1072 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; # 1090 ; # 1072 ; # 1082 ; # 1088 ; # 1072 ; # 1089 ; # 1096 ; # 1080 ; # 1092 ; # 1088 ; # 1086 ; # 1074 ; # 1072 ; # 1090 ; # 1100 ; # 1073 ; # 1077 ; # 1079 ; # 1091 ; # 1090 ; # 1088 ; # 1072 ; # 1090 ; # 1099 ; # 1089 ; # 1084 ; # 1099 ; # 1089 ; # 1083 ; # 1072 ; , # 1090 ; # 1086 ; # 1074 ; # 1087 ; # 1088 ; # 1077 ; # 1076 ; # 1083 ; # 1086 ; # 1078 ; # 1077 ; # 1085 ; # 1080 ; # 1080 ; # 1086 ; # 1096 ; # 1080 ; # 1073 ; # 108 2 ; # 1072 ; .They resuch a lovely twosome! # 1054 ; # 1085 ; # 1080 ; # 1090 ; # 1072 ; # 1082 ; # 1072 ; # 1103 ; # 1095 ; # 1091 ; # 1076 ; # 1077 ; # 1089 ; # 1085 ; # 1072 ; # 1103 ; # 1087 ; # 1072 ; # 1088 ; # 1072 ; !There # 1101 ; # 1090 ; # 1086 ; # 1085 ; # 1072 ; # 1088 ; # 1077 ; # 1095 ; # 1080 ; # 1077 ; , # 1091 ; # 1082 ; # 1072 ; # 1079 ; # 1099 ; # 1074 ; # 1072 ; # 1102 ; # 1097 ; # 1077 ; # 1077 ; # 1085 ; # 1072 ; # 1091 ; # 1076 ; # 1072 ; # 1083 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1077 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; , # 1090 ; # 1072 ; # 1084 ; : I saw a free bench overat that place. # 1042 ; # 1086 ; # 1085 ; # 1090 ; # 1072 ; # 1084 ; # 1103 ; # 1074 ; # 1080 ; # 1076 ; # 1077 ; # 1083 ; # 1089 ; # 1074 ; # 1086 ; # 1073 ; # 1086 ; # 1076 ; # 1085 ; # 1091 ; # 1102 ; # 1089 ; # 1082 ; # 1072 ; # 1084 ; # 1077 ; # 1081 ; # 1082 ; # 1091 ; .ThansoTh an # 1101 ; # 1090 ; # 1086 ; # 1089 ; # 1086 ; # 1102 ; # 1079 ; # 1089 ; # 1088 ; # 1072 ; # 1074 ; # 1085 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1095 ; # 1077 ; # 1084 ; .Daniel is much better at maththanme. # 1044 ; # 1101 ; # 1085 ; # 1080 ; # 1077 ; # 1083 ; # 1088 ; # 1072 ; # 1079 ; # 1073 ; # 1080 ; # 1088 ; # 1072 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; # 1074 ; # 1084 ; # 1072 ; # 1090 ; # 1077 ; # 1084 ; # 1072 ; # 1090 ; # 1080 ; # 1082 ; # 1077 ; # 1075 ; # 1086 ; # 1088 ; # 1072 ; # 1079 ; # 1076 ; # 1086 ; # 1083 ; # 1091 ; # 1095 ; # 1096 ; # 1077 ; , # 1095 ; # 1077 ; # 1084 ; # 1103 ; .Then # 1085 ; # 1072 ; # 1088 ; # 1077 ; # 1095 ; # 1080 ; # 1077 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1087 ; # 1086 ; # 1090 ; # 1086 ; # 1084 ; : Have a expression at my picture andsostate me what you think. # 1055 ; # 1086 ; # 1089 ; # 1084 ; # 1086 ; # 1090 ; # 1088 ; # 1080 ; # 1085 ; # 1072 ; # 1084 ; # 1086 ; # 1102 ; # 1082 ; # 1072 ; # 1088 ; # 1090 ; # 1080 ; # 1085 ; # 1091 ; # 1080 ; # 1087 ; # 1086 ; # 1090 ; # 1086 ; # 1084 ; # 1089 ; # 1082 ; # 1072 ; # 1078 ; # 1080 ; , # 1095 ; # 1090 ; # 1086 ; # 1090 ; # 1099 ; # 1076 ; # 1091 ; # 1084 ; # 1072 ; # 1077 ; # 1096 ; # 1100 ; .Who swhose,youryou re # 1054 ; # 1087 ; # 1103 ; # 1090 ; # 1100 ; # 1074 ; # 1089 ; # 1087 ; # 1086 ; # 1084 ; # 1080 ; # 1085 ; # 1072 ; # 1077 ; # 1084 ; , # 1095 ; # 1090 ; # 1086 ; # 1086 ; # 1090 ; # 1085 ; # 1086 ; # 1089 ; # 1080 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1099 ; # 1077 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1087 ; # 1080 ; # 1096 ; # 1091 ; # 1090 ; # 1089 ; # 1103 ; # 1073 ; # 1077 ; # 1079 ; # 1072 ; # 1087 ; # 1086 ; # 1089 ; # 1090 ; # 1088 ; # 1086 ; # 1092 ; # 1072 ; .Whose # 1080 ;your # 1101 ; # 1090 ; # 1086 ; # 1084 ; # 1077 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1095 ; # 1077 ; # 1081 ; # 1080 ; # 1090 ; # 1074 ; # 1086 ; # 1081 ; # 1089 ; # 1086 ; # 1086 ; # 1090 ; # 1074 ; # 1077 ; # 1090 ; # 1089 ; # 1090 ; # 1074 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; .Whoseball has merely broken my window? # 1063 ; # 1077 ; # 1081 ; # 1084 ; # 1103 ; # 1095 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; # 1095 ; # 1090 ; # 1086 ; # 1088 ; # 1072 ; # 1079 ; # 1073 ; # 1080 ; # 1083 ; # 1084 ; # 1086 ; # 1077 ; # 1086 ; # 1082 ; # 1085 ; # 1086 ; ? Where have you been,yourface is so dirty. # 1043 ; # 1076 ; # 1077 ; # 1090 ; # 1099 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; # 1073 ; # 1099 ; # 1083 ; , # 1091 ; # 1090 ; # 1077 ; # 1073 ; # 1103 ; # 1090 ; # 1072 ; # 1082 ; # 1086 ; # 1077 ; # 1075 ; # 1088 ; # 1103 ; # 1079 ; # 1085 ; # 1086 ; # 1077 ; # 1083 ; # 1080 ; # 1094 ; # 1086 ; .Who s # 1080 ;you re # 1074 ; # 1089 ; # 1077 ; # 1075 ; # 1076 ; # 1072 ; # 1089 ; # 1083 ; # 1091 ; # 1078 ; # 1072 ; # 1090 ; # 1089 ; # 1086 ; # 1082 ; # 1088 ; # 1072 ; # 1097 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1084 ; # 1080 ; # 1086 ; # 1090 ;who is # 1080 ;you are:Who sthat tall cat? # 1050 ; # 1090 ; # 1086 ; # 1090 ; # 1086 ; # 1090 ; # 1074 ; # 1099 ; # 1089 ; # 1086 ; # 1082 ; # 1080 ; # 1081 ; # 1087 ; # 1072 ; # 1088 ; # 1077 ; # 1085 ; # 1100 ; ?You rea spot unusual today. # 1058 ; # 1099 ; # 1089 ; # 1077 ; # 1075 ; # 1086 ; # 1076 ; # 1085 ; # 1103 ; # 1082 ; # 1072 ; # 1082 ; # 1072 ; # 1103 ; # 1090 ; # 1086 ; # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1085 ; # 1072 ; # 1103 ; . # 1048 ; # 1076 ; # 1080 ; # 1086 ; # 1084 ; # 1099 ; # 1091 ; # 1089 ; # 1090 ; # 1086 ; # 1081 ; # 1095 ; # 1080 ; # 1074 ; # 1099 ; # 1077 ; # 1074 ; # 1099 ; # 1088 ; # 1072 ; # 1078 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1080 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1086 ; # 1089 ; # 1086 ; # 1095 ; # 1077 ; # 1090 ; # 1072 ; # 1085 ; # 1080 ; # 1103 ; . # 183 ; take in ( something ) # 1087 ; # 1086 ; # 1089 ; # 1077 ; # 1090 ; # 1080 ; # 1090 ; # 1100 ; , # 1087 ; # 1086 ; # 1073 ; # 1099 ; # 1074 ; # 1072 ; # 1090 ; # 1100 ; , # 1089 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1090 ; # 1100 ; ( # 1074 ; # 1082 ; # 1080 ; # 1085 ; # 1086 ; , # 1085 ; # 1072 ; # 1083 ; # 1077 ; # 1082 ; # 1094 ; # 1080 ; # 1102 ; ) # 183 ; thirst/thirsty for ( something ) # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1089 ; # 1090 ; # 1085 ; # 1086 ; # 1077 ; # 1078 ; # 1077 ; # 1083 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; , # 1078 ; # 1072 ; # 1078 ; # 1076 ; # 1072 ; # 1095 ; # 1077 ; # 1075 ; # 1086 ; # 1083 ; # 1080 ; # 1073 ; # 1086 ; # 183 ; cut a all right figure # 1093 ; # 1086 ; # 1088 ; # 1086 ; # 1096 ; # 1086 ; # 1074 ; # 1099 ; # 1075 ; # 1083 ; # 1103 ; # 1076 ; # 1077 ; # 1090 ; # 1100 ; Alec cut a all right figure when he went to the occupation interview last hebdomad. # 183 ; an eccentric # 1095 ; # 1091 ; # 1076 ; # 1072 ; # 1082 ; , # 1089 ; # 1074 ; # 1086 ; # 1077 ; # 1086 ; # 1073 ; # 1088 ; # 1072 ; # 1079 ; # 1085 ; # 1086 ; # 1084 ; # 1099 ; # 1089 ; # 1083 ; # 1103 ; # 1097 ; # 1080 ; # 1081 ; # 1095 ; # 1077 ; # 1083 ; # 1086 ; # 1074 ; # 1077 ; # 1082 ; # 183 ; give ( person ) the oculus # 1091 ; # 1089 ; # 1090 ; # 1072 ; # 1074 ; # 1080 ; # 1090 ; # 1100 ; # 1089 ; # 1103 ; # 1085 ; # 1072 ; # 1082 ; # 1086 ; # 1075 ; # 1086 ; # 1083 ; # 1080 ; # 1073 ; # 1086 ; ( # 1085 ; # 1077 ; # 1087 ; # 1088 ; # 1080 ; # 1103 ; # 1079 ; # 1085 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1085 ; # 1077 ; # 1076 ; # 1088 ; # 1091 ; # 1078 ; # 1077 ; # 1083 ; # 1102 ; # 1073 ; # 1085 ; # 1086 ; ) Joke:Who am I?Night. A dormant twosome is lying in a bed. Door bell rings. A twosome wakes up. Woman: Promptly! My hubby is back! Man jumps out from a window. Flying down he starts to believe: Crap! But I am the hubby! Present Continuous Tense # 1056 ; # 1072 ; # 1089 ; # 1089 ; # 1084 ; # 1086 ; # 1090 ; # 1088 ; # 1080 ; # 1090 ; # 1077 ; # 1090 ; # 1072 ; # 1082 ; # 1091 ; # 1102 ; # 1089 ; # 1080 ; # 1090 ; # 1091 ; # 1072 ; # 1094 ; # 1080 ; # 1102 ; : Ann is in her auto. She is on her manner to work. She is driving to work. # 1069 ; # 1090 ; # 1086 ; # 1086 ; # 1079 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1077 ; # 1090 ; , # 1095 ; # 1090 ; # 1086 ; # 1086 ; # 1085 ; # 1072 ; # 1077 ; # 1076 ; # 1077 ; # 1090 ; # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1089 ; # 1077 ; # 1081 ; # 1095 ; # 1072 ; # 1089 ; , # 1074 ; # 1084 ; # 1086 ; # 1084 ; # 1077 ; # 1085 ; # 1090 ; # 1088 ; # 1072 ; # 1079 ; # 1075 ; # 1086 ; # 1074 ; # 1086 ; # 1088 ; # 1072 ; . # 1069 ; # 1090 ; # 1086 ; # 1080 ; # 1077 ; # 1089 ; # 1090 ; # 1100 ; # 1085 ; # 1072 ; # 1089 ; # 1090 ; # 1086 ; # 1103 ; # 1097 ; # 1077 ; # 1077 ; # 1087 ; # 1088 ; # 1086 ; # 1076 ; # 1086 ; # 1083 ; # 1078 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1077 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1103 ; # 1075 ; # 1083 ; # 1072 ; # 1075 ; # 1086 ; # 1083 ; # 1072 ; . PresentContinuous # 1086 ; # 1073 ; # 1088 ; # 1072 ; # 1079 ; # 1091 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; # 1087 ; # 1088 ; # 1080 ; # 1087 ; # 1086 ; # 1084 ; # 1086 ; # 1097 ; # 1080 ; # 1074 ; # 1089 ; # 1087 ; # 1086 ; # 1084 ; # 1086 ; # 1075 ; # 1072 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1086 ; # 1075 ; # 1086 ; # 1075 ; # 1083 ; # 1072 ; # 1075 ; # 1086 ; # 1083 ; # 1072 ; tobe # 1080 ; # 1076 ; # 1086 ; # 1073 ; # 1072 ; # 1074 ; # 1083 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1082 ; # 1089 ; # 1084 ; # 1099 ; # 1089 ; # 1083 ; # 1086 ; # 1074 ; # 1086 ; # 1084 ; # 1091 ; # 1075 ; # 1083 ; # 1072 ; # 1075 ; # 1086 ; # 1083 ; # 1091 ; # 1086 ; # 1082 ; # 1086 ; # 1085 ; # 1095 ; # 1072 ; # 1085 ; # 1080 ; # 1103 ; ing I am driving he, she, it is we, you, they are 1 ) # 1052 ; # 1099 ; # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1091 ; # 1077 ; # 1084 ; PresentContinuous, # 1082 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1075 ; # 1086 ; # 1074 ; # 1086 ; # 1088 ; # 1080 ; # 1084 ; # 1086 ; # 1076 ; # 1077 ; # 1081 ; # 1089 ; # 1090 ; # 1074 ; # 1080 ; # 1080 ; , # 1082 ; # 1086 ; # 1090 ; # 1086 ; # 1088 ; # 1086 ; # 1077 ; # 1087 ; # 1088 ; # 1086 ; # 1080 ; # 1089 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1090 ; # 1074 ; # 1084 ; # 1086 ; # 1084 ; # 1077 ; # 1085 ; # 1090 ; # 1088 ; # 1077 ; # 1095 ; # 1080 ; , # 1085 ; # 1072 ; # 1087 ; # 1088 ; # 1080 ; # 1084 ; # 1077 ; # 1088 ; : Please don`t make so much noise, I`m analyzing. ( non # 171 ; I study # 187 ; ) # 171 ; Where`s Alice? # 187 ; # 171 ; She`s holding a bath # 187 ; ( non # 171 ; she has # 187 ; ) 2 ) # 1052 ; # 1099 ; # 1090 ; # 1072 ; # 1082 ; # 1078 ; # 1077 ; # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1091 ; # 1077 ; # 1084 ; PresentContinuous # 1086 ; # 1087 ; # 1080 ; # 1089 ; # 1099 ; # 1074 ; # 1072 ; # 1103 ; # 1076 ; # 1077 ; # 1081 ; # 1089 ; # 1090 ; # 1074 ; # 1080 ; # 1077 ; , # 1082 ; # 1086 ; # 1090 ; # 1086 ; # 1088 ; # 1086 ; # 1077 ; # 1087 ; # 1088 ; # 1086 ; # 1080 ; # 1089 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1090 ; # 1089 ; # 1077 ; # 1081 ; # 1095 ; # 1072 ; # 1089 ; , # 1085 ; # 1086 ; # 1085 ; # 1077 ; # 1074 ; # 1084 ; # 1086 ; # 1084 ; # 1077 ; # 1085 ; # 1090 ; # 1088 ; # 1072 ; # 1079 ; # 1075 ; # 1086 ; # 1074 ; # 1086 ; # 1088 ; # 1072 ; , # 1090 ; . # 1077 ; . # 1076 ; # 1077 ; # 1081 ; # 1089 ; # 1090 ; # 1074 ; # 1080 ; # 1077 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1083 ; # 1086 ; # 1089 ; # 1100 ; , # 1085 ; # 1086 ; # 1 085 ; # 1077 ; # 1079 ; # 1072 ; # 1082 ; # 1086 ; # 1085 ; # 1095 ; # 1080 ; # 1083 ; # 1086 ; # 1089 ; # 1100 ; . # 1054 ; # 1085 ; # 1086 ; , # 1082 ; # 1072 ; # 1082 ; # 1073 ; # 1099 ; , # 1085 ; # 1072 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1090 ; # 1089 ; # 1103 ; # 1074 ; # 1087 ; # 1088 ; # 1086 ; # 1075 ; # 1088 ; # 1077 ; # 1089 ; # 1089 ; # 1077 ; , # 1080 ; # 1084 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1087 ; # 1086 ; # 1101 ; # 1090 ; # 1086 ; # 1084 ; # 1091 ; # 1077 ; # 1075 ; # 1086 ; # 1080 ; # 1085 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1085 ; # 1072 ; # 1079 ; # 1099 ; # 1074 ; # 1072 ; # 1102 ; # 1090 ; PresentProgressive. # 1085 ; # 1072 ; # 1087 ; # 1088 ; # 1080 ; # 1084 ; # 1077 ; # 1088 ; : I`m reading an interesting book at the minute. ( # 1085 ; # 1077 ; # 1086 ; # 1073 ; # 1103 ; # 1079 ; # 1072 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1086 ; # 1089 ; # 1077 ; # 1081 ; # 1095 ; # 1072 ; # 1089 ; , # 1075 ; # 1083 ; # 1072 ; # 1074 ; # 1085 ; # 1086 ; # 1077 ; , # 1095 ; # 1090 ; # 1086 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1083 ; # 1080 ; # 1085 ; # 1077 ; # 1079 ; # 1072 ; # 1082 ; # 1086 ; # 1085 ; # 1095 ; # 1080 ; # 1083 ; # 1095 ; # 1080 ; # 1090 ; # 1072 ; # 1090 ; # 1100 ; . ) Now I`m analyzing English. ( # 1090 ; # 1086 ; # 1078 ; # 1077 ; # 1089 ; # 1072 ; # 1084 ; # 1086 ; # 1077 ; ) 3 ) PresentContinuous # 1095 ; # 1072 ; # 1089 ; # 1090 ; # 1086 ; # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1091 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; , # 1089 ; # 1082 ; # 1072 ; # 1082 ; # 1080 ; # 1084 ; # 1090 ; # 1086 ; # 1087 ; # 1077 ; # 1088 ; # 1080 ; # 1086 ; # 1076 ; # 1086 ; # 1084 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; # 1080 ; , # 1074 ; # 1082 ; # 1086 ; # 1090 ; # 1086 ; # 1088 ; # 1099 ; # 1081 ; # 1074 ; # 1093 ; # 1086 ; # 1076 ; # 1080 ; # 1090 ; # 1085 ; # 1072 ; # 1089 ; # 1090 ; # 1086 ; # 1103 ; # 1097 ; # 1077 ; # 1077 ; . # 1085 ; # 1072 ; # 1087 ; # 1088 ; # 1080 ; # 1084 ; # 1077 ; # 1088 ; : ( # 1089 ; # 1077 ; # 1075 ; # 1086 ; # 1076 ; # 1085 ; # 1103 ; , # 1074 ; # 1101 ; # 1090 ; # 1086 ; # 1084 ; # 1084 ; # 1077 ; # 1089 ; # 1103 ; # 1094 ; # 1077 ; , # 1074 ; # 1101 ; # 1090 ; # 1086 ; # 1084 ; # 1075 ; # 1086 ; # 1076 ; # 1091 ; ) Is Kate working today? Tom isn`t playing football this season. 4 ) PresentContinuous # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1091 ; # 1077 ; # 1090 ; # 1089 ; # 1103 ; , # 1095 ; # 1090 ; # 1086 ; # 1073 ; # 1099 ; # 1074 ; # 1099 ; # 1088 ; # 1072 ; # 1079 ; # 1080 ; # 1090 ; # 1100 ; # 1080 ; # 1079 ; # 1084 ; # 1077 ; # 1085 ; # 1103 ; # 1102 ; # 1097 ; # 1091 ; # 1102 ; # 1089 ; # 1103 ; # 1089 ; # 1080 ; # 1090 ; # 1091 ; # 1072 ; # 1094 ; # 1080 ; # 1102 ; . # 1085 ; # 1072 ; # 1087 ; # 1088 ; # 1080 ; # 1084 ; # 1077 ; # 1088 ; : It is acquiring dark. Is your English acquiring better? ( non # 171 ; does # 8230 ; acquire # 187 ; 5 ) PresentContinuous # 1084 ; # 1086 ; # 1078 ; # 1077 ; # 1090 ; # 1073 ; # 1099 ; # 1090 ; # 1100 ; # 1080 ; # 1089 ; # 1087 ; # 1086 ; # 1083 ; # 1100 ; # 1079 ; # 1086 ; # 1074 ; # 1072 ; # 1085 ; # 1074 ; # 1089 ; # 1080 ; # 1090 ; # 1091 ; # 1072 ; # 1094 ; # 1080 ; # 1080 ; , # 1082 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1084 ; # 1099 ; # 1082 ; # 1088 ; # 1080 ; # 1090 ; # 1080 ; # 1082 ; # 1091 ; # 1077 ; # 1084 ; # 1089 ; # 1086 ; # 1073 ; # 1077 ; # 1089 ; # 1077 ; # 1076 ; # 1085 ; # 1080 ; # 1082 ; # 1072 ; # 1079 ; # 1072 ; # 1077 ; # 1075 ; # 1086 ; # 1088 ; # 1072 ; # 1079 ; # 1076 ; # 1088 ; # 1072 ; # 1078 ; # 1072 ; # 1102 ; # 1097 ; # 1080 ; # 1077 ; # 1085 ; # 1072 ; # 1089 ; # 1087 ; # 1088 ; # 1080 ; # 1074 ; # 1099 ; # 1095 ; # 1082 ; # 1080 ; : * He is ever dropping ash on the rug. * You are ever making those cockamamie errors! # 1069 ; # 1090 ; # 1086 ; # 1090 ; # 1086 ; # 1078 ; # 1077 ; # 1080 ; # 1084 ; # 1077 ; # 1077 ; # 1090 ; # 1089 ; # 1074 ; # 1086 ; # 1077 ; # 1086 ; # 1073 ; # 1098 ; # 1103 ; # 1089 ; # 1085 ; # 1077 ; # 1085 ; # 1080 ; # 1077 ; : # 1089 ; # 1090 ; # 1086 ; # 1095 ; # 1082 ; # 1080 ; # 1079 ; # 1088 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1075 ; # 1086 ; # 1074 ; # 1086 ; # 1088 ; # 1103 ; # 1097 ; # 1077 ; # 1075 ; # 1086 ; , # 1095 ; # 1077 ; # 1083 ; # 1086 ; # 1074 ; # 1077 ; # 1082 ; # 1082 ; # 1072 ; # 1082 ; # 1073 ; # 1099 ; # 1079 ; # 1072 ; # 1089 ; # 1090 ; # 1088 ; # 1103 ; # 1083 ; # 1074 ; # 1089 ; # 1074 ; # 1086 ; # 1077 ; # 1081 ; # 1087 ; # 1088 ; # 1080 ; # 1074 ; # 1099 ; # 1095 ; # 1082 ; # 1077 ; . # 1052 ; # 1099 ; # 1075 ; # 1086 ; # 1074 ; # 1086 ; # 1088 ; # 1080 ; # 1084 ; : # 171 ; # 1042 ; # 1077 ; # 1095 ; # 1085 ; # 1086 ; # 1090 ; # 1099 ; # 8230 ; # 187 ; ( to be continued ) # 1047 ; # 1072 ; # 1095 ; # 1077 ; # 1084 ; # 1080 ; # 1084 ; # 1089 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; ? # 1052 ; # 1085 ; # 1077 ; # 1095 ; # 1072 ; # 1089 ; # 1090 ; # 1086 ; # 1079 ; # 1072 ; # 1076 ; # 1072 ; # 1102 ; # 1090 ; # 1074 ; # 1086 ; # 1087 ; # 1088 ; # 1086 ; # 1089 ; # 1099 ; # 1091 ; # 1095 ; # 1077 ; # 1085 ; # 1080 ; # 1082 ; # 1080 ; # 8211 ; # 1080 ; # 1085 ; # 1077 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; # 1083 ; # 1077 ; # 1085 ; # 1090 ; # 1103 ; # 1080 ; # 1080 ; # 1090 ; # 1091 ; # 1075 ; # 1086 ; # 1076 ; # 1091 ; # 1084 ; # 1099 ; , # 1072 ; # 1074 ; # 1087 ; # 1086 ; # 1083 ; # 1085 ; # 1077 ; # 1079 ; # 1088 ; # 1077 ; # 1083 ; # 1099 ; # 1077 ; # 1080 ; # 1089 ; # 1086 ; # 1089 ; # 1090 ; # 1086 ; # 1103 ; # 1074 ; # 1096 ; # 1080 ; # 1077 ; # 1089 ; # 1103 ; # 1074 ; # 1082 ; # 1072 ; # 1082 ; # 1086 ; # 1084 ; # 1083 ; # 1080 ; # 1073 ; # 1086 ; # 1076 ; # 1088 ; # 1091 ; # 1075 ; # 1086 ; # 1084 ; # 1074 ; # 1080 ; # 1076 ; # 1077 ; # 10 76 ; # 1077 ; # 1103 ; # 1090 ; # 1077 ; # 1083 ; # 1100 ; # 1085 ; # 1086 ; # 1089 ; # 1090 ; # 1080 ; , # 1082 ; # 1088 ; # 1086 ; # 1084 ; # 1077 ; # 1080 ; # 1079 ; # 1091 ; # 1095 ; # 1077 ; # 1085 ; # 1080 ; # 1103 ; # 1080 ; # 1085 ; # 1086 ; # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1085 ; # 1086 ; # 1075 ; # 1086 ; # 1103 ; # 1079 ; # 1099 ; # 1082 ; # 1072 ; , # 1086 ; # 1089 ; # 1080 ; # 1089 ; # 1090 ; # 1077 ; # 1084 ; # 1077 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1086 ; # 1075 ; # 1086 ; # 1075 ; # 1083 ; # 1072 ; # 1075 ; # 1086 ; # 1083 ; # 1072 ; : # 8222 ; # 1053 ; # 1091 ; , # 1079 ; # 1072 ; # 1095 ; # 1077 ; # 1084 ; # 1080 ; # 1084 ; # 1090 ; # 1072 ; # 1082 ; # 1084 ; # 1085 ; # 1086 ; # 1075 ; # 1086 ; ? # 1056 ; # 1072 ; # 1079 ; # 1074 ; # 1077 ; # 1085 ; # 1077 ; # 1083 ; # 1100 ; # 1079 ; # 1103 ; # 1073 ; # 1099 ; # 1083 ; # 1086 ; # 1086 ; # 1073 ; # 1086 ; # 1081 ; # 1090 ; # 1080 ; # 1089 ; # 1100 ; # 1087 ; # 1072 ; # 1088 ; # 1086 ; # 1081 ; # 1090 ; # 1088 ; # 1086 ; # 1081 ; # 1082 ; # 1086 ; # 1081 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; , # 1083 ; # 1091 ; # 1095 ; # 1096 ; # 1077 ; # 1074 ; # 1089 ; # 1077 ; # 1075 ; # 1086 ; # 8211 ; # 1090 ; # 1088 ; # 1077 ; # 1084 ; # 1103 ; # 1087 ; # 1088 ; # 1080 ; # 1074 ; # 1099 ; # 1095 ; # 1085 ; # 1099 ; # 1084 ; # 1080 ; : # 1085 ; # 1072 ; # 1089 ; # 1090 ; # 1086 ; # 1103 ; # 1097 ; # 1080 ; # 1084 ; , # 1087 ; # 1088 ; # 1086 ; # 1096 ; # 1077 ; # 1076 ; # 1096 ; # 1080 ; # 1084 ; # 1080 ; # 1073 ; # 1091 ; # 1076 ; # 1091 ; # 1097 ; # 1080 ; # 1084 ; ? # 8220 ; # 1048 ; # 1073 ; # 1099 ; # 1074 ; # 1072 ; # 1083 ; # 1080 ; # 1086 ; # 1095 ; # 1077 ; # 1085 ; # 1100 ; # 1091 ; # 1076 ; # 1080 ; # 1074 ; # 1083 ; # 1077 ; # 1085 ; # 1099 ; , # 1082 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1091 ; # 1079 ; # 1085 ; # 1072 ; # 1074 ; # 1072 ; # 1083 ; # 1080 ; , # 1095 ; # 1090 ; # 1086 ; # 1080 ; # 1074 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1086 ; # 1084 ; , # 1089 ; # 1086 ; # 1073 ; # 1089 ; # 1090 ; # 1074 ; # 1077 ; # 1085 ; à ­Ãƒ ® à £Ãƒ ®Ãƒ ¢Ãƒ ®Ãƒ °Ãƒ ¿ , à ²Ãƒ ¥ à ¦Ãƒ ¥ à ²Ãƒ °Ãƒ ¨ à ¢Ãƒ °Ãƒ ¥Ãƒ ¬Ãƒ ¥Ãƒ ­Ãƒ ¨ – à ­Ãƒ  Ãƒ ±Ãƒ ²Ãƒ ®Ãƒ ¿Ãƒ ¹Ãƒ ¥Ãƒ ¥ , à ¯Ãƒ °Ãƒ ®Ãƒ ¸Ãƒ ¥Ãƒ ¤Ãƒ ¸Ãƒ ¥Ãƒ ¥ à ¨ à ¡Ãƒ ³Ãƒ ¤Ãƒ ³Ãƒ ¹Ãƒ ¥Ãƒ ¥ . Êà ±Ãƒ ²Ãƒ  Ãƒ ²Ãƒ ¨ , à ¢ à °Ãƒ ³Ãƒ ±Ãƒ ±Ãƒ ªÃƒ ®Ãƒ ¬ à ¿Ãƒ §Ãƒ »Ãƒ ªÃƒ ¥ , à ¯Ãƒ ®Ãƒ ¬Ãƒ ¨Ãƒ ¬Ãƒ ® à ²Ãƒ °Ãƒ ¥Ãƒ µ à ¢Ãƒ °Ãƒ ¥Ãƒ ¬Ãƒ ¥Ãƒ ­ , à ¥Ãƒ ±Ãƒ ²Ãƒ ¼ à ¥Ãƒ ¹Ãƒ ¥ à ¤Ãƒ ¢Ãƒ   à ¢Ãƒ ¨Ãƒ ¤Ãƒ   – à ±Ãƒ ®Ãƒ ¢Ãƒ ¥Ãƒ °Ãƒ ¸Ãƒ ¥Ãƒ ­Ãƒ ­Ãƒ »Ãƒ © à ¨ à ­Ãƒ ¥Ãƒ ±Ãƒ ®Ãƒ ¢Ãƒ ¥Ãƒ °Ãƒ ¸Ãƒ ¥Ãƒ ­Ãƒ ­Ãƒ »Ãƒ © . # 1040 ; # 1074 ; # 1072 ; # 1085 ; # 1075 ; # 1083 ; # 1080 ; # 1081 ; # 1089 ; # 1082 ; # 1086 ; # 1084 ; # 1080 ; # 1093 ; # 1095 ; # 1077 ; # 1090 ; # 1099 ; # 1088 ; # 1077 ; : Simple, # 1080 ; # 1083 ; # 1080 ; Indefinite ; Progressive, # 1080 ; # 1083 ; # 1080 ; Continuous, Perfect # 1080 ; Perfect Continuous. # 1042 ; # 1086 ; # 1090 ; # 1080 ; # 1093 ; # 1089 ; # 1086 ; # 1095 ; # 1077 ; # 1090 ; # 1072 ; # 1085 ; # 1080 ; # 1077 ; # 1089 ; # 1090 ; # 1088 ; # 1077 ; # 1084 ; # 1103 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; # 1072 ; # 1084 ; # 1080 ; ( # 1076 ; # 1072 ; # 1077 ; # 1097 ; # 1077 ; # 1074 ; # 1082 ; # 1086 ; # 1084 ; # 1073 ; # 1080 ; # 1085 ; # 1072 ; # 1094 ; # 1080 ; # 1080 ; # 1089 ; # 1076 ; # 1074 ; # 1091 ; # 1084 ; # 1103 ; # 1079 ; # 1072 ; # 1083 ; # 1086 ; # 1075 ; # 1072 ; # 1084 ; # 1080 ; # 8211 ; Active # 1080 ; Passive ) # 1080 ; # 1076 ; # 1072 ; # 1102 ; # 1090 ; # 1090 ; # 1072 ; # 1082 ; # 1091 ; # 1102 ; # 1082 ; # 1072 ; # 1088 ; # 1090 ; # 1080 ; # 1085 ; # 1091 ; , # 1086 ; # 1090 ; # 1082 ; # 1086 ; # 1090 ; # 1086 ; # 1088 ; # 1086 ; # 1081 ; # 1085 ; # 1077 ; # 1087 ; # 1088 ; # 1080 ; # 1074 ; # 1099 ; # 1095 ; # 1085 ; # 1086 ; # 1081 ; # 1082 ; # 1090 ; # 1072 ; # 1082 ; # 1086 ; # 1084 ; # 1091 ; # 1088 ; # 1072 ; # 1079 ; # 1085 ; # 1086 ; # 1086 ; # 1073 ; # 1088 ; # 1072 ; # 1079 ; # 1080 ; # 1102 ; # 1087 ; # 1091 ; # 1073 ; # 1083 ; # 1080 ; # 1082 ; # 1077 ; # 1089 ; # 1090 ; # 1072 ; # 1085 ; # 1086 ; # 1074 ; # 1080 ; # 1090 ; # 1089 ; # 1103 ; # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1096 ; # 1085 ; # 1086 ; : 28 # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; ! # 1058 ; # 1072 ; # 1082 ; # 1074 ; # 1086 ; # 1090 ; # 8211 ; # 1082 ; # 1091 ; # 1076 ; # 1072 ; # 1080 ; # 1079 ; # 1072 ; # 1095 ; # 1077 ; # 1084 ; # 1080 ; # 1084 ; # 1089 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; ? # 1048 ; # 1075 ; # 1083 ; # 1072 ; # 1074 ; # 1085 ; # 1086 ; # 1077 ; # 8211 ; # 1082 ; # 1072 ; # 1082 ; # 1074 ; # 1085 ; # 1080 ; # 1093 ; # 1085 ; # 1077 ; # 1079 ; # 1072 ; # 1087 ; # 1091 ; # 1090 ; # 1072 ; # 1090 ; # 1100 ; # 1089 ; # 1103 ; ? # 1054 ; # 1090 ; # 1074 ; # 1077 ; # 1095 ; # 1072 ; # 1102 ; # 1087 ; # 1086 ; # 1087 ; # 1086 ; # 1088 ; # 1103 ; # 1076 ; # 1082 ; # 1091 ; . # 1048 ; # 1090 ; # 1072 ; # 1082 ; # 8211 ; # 1079 ; # 1072 ; # 1095 ; # 1077 ; # 1084 ; # 1089 ; # 1090 ; # 1086 ; # 1083 ; # 1100 ; # 1082 ; # 1086 ; # 1074 ; # 1088 ; # 1077 ; # 1084 ; # 1077 ; # 1085 ; ? # 1044 ; # 1072 ; # 1074 ; # 1072 ; # 1081 ; # 1090 ; # 1077 ; # 1074 ; # 1089 ; # 1087 ; # 1086 ; # 1084 ; # 1085 ; # 1080 ; # 1084 ; # 1089 ; # 1072 ; # 1084 ; # 1086 ; # 1077 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1083 ; # 1086 ; # 8222 ; # 1040 ; # 1083 ; # 1080 ; # 1089 ; # 1099 ; # 1074 ; # 1057 ; # 1090 ; # 1088 ; # 1072 ; # 1085 ; # 1077 ; # 1063 ; # 1091 ; # 1076 ; # 1077 ; # 1089 ; # 8220 ; : # 8222 ; # 1040 ; # 1083 ; # 1080 ; # 1089 ; # 1072 ; # 1089 ; # 1080 ; # 1076 ; # 1077 ; # 1083 ; # 1072 ; # 1089 ; # 1086 ; # 1089 ; # 1090 ; # 1072 ; # 1088 ; # 1096 ; # 1077 ; # 1081 ; # 1089 ; # 1077 ; # 1089 ; # 1090 ; # 1088 ; # 1086 ; # 1081 ; # 1085 ; # 1072 ; # 1073 ; # 1077 ; # 1088 ; # 1077 ; # 1075 ; # 1091 ; # 1080 ; # 1084 ; # 1072 ; # 1103 ; # 1083 ; # 1072 ; # 1089 ; # 1100 ; : # 1076 ; # 1077 ; # 1083 ; # 1072 ; # 1090 ; # 1100 ; # 1077 ; # 1081 ; # 1073 ; # 1099 ; # 1083 ; # 1086 ; # 1089 ; # 1086 ; # 1074 ; # 1077 ; # 1088 ; # 1096 ; # 1077 ; # 1085 ; # 1085 ; # 1086 ; # 1085 ; # 1077 ; # 1095 ; # 1077 ; # 1075 ; # 1086 ; , # 1072 ; # 1089 ; # 1080 ; # 1076 ; # 1077 ; # 1090 ; # 1100 ; # 1073 ; # 1077 ; # 1079 ; # 1076 ; # 1077 ; # 1083 ; # 1072 ; , # 1089 ; # 1072 ; # 1084 ; # 1080 ; # 1079 ; # 1085 ; # 1072 ; # 1077 ; # 1090 ; # 1077 ; , # 1076 ; # 1077 ; # 1083 ; # 1086 ; # 1085 ; # 1077 ; # 1083 ; # 1077 ; # 1075 ; # 1082 ; # 1086 ; # 1077 ; ; # 1088 ; # 1072 ; # 1079 ; # 1076 ; # 1088 ; # 1091 ; # 1075 ; # 1086 ; # 1081 ; # 1086 ; # 1085 ; # 1072 ; , # 1087 ; # 1088 ; # 1072 ; # 1074 ; # 1076 ; # 1072 ; , # 1089 ; # 1091 ; # 1085 ; # 1091 ; # 1083 ; # 1072 ; # 1085 ; # 1086 ; # 1089 ; # 1074 ; # 1082 ; # 1085 ; # 1080 ; # 1075 ; # 1091 ; , # 1082 ; # 1086 ; # 1090 ; # 1086 ; # 1088 ; # 1091 ; # 1102 ; # 1089 ; # 1077 ; # 1089 ; # 1090 ; # 1088 ; # 1072 ; # 1095 ; # 1080 ; # 1090 ; # 1072 ; # 1083 ; # 1072 ; , # 1085 ; # 1086 ; # 1090 ; # 1072 ; # 1084 ; # 1085 ; # 1077 ; # 1086 ; # 1082 ; # 1072 ; # 1079 ; # 1072 ; # 1083 ; # 1086 ; # 1089 ; # 1100 ; # 1085 ; # 1080 ; # 1082 ; # 1072 ; # 1088 ; # 1090 ; # 1080 ; # 1085 ; # 1086 ; # 1082 ; , # 1085 ; # 1080 ; # 1089 ; # 1090 ; # 1080 ; # 1096 ; # 1082 ; # 1086 ; # 1074 ; . # 8222 ; # 1050 ; # 1086 ; # 1084 ; # 1091 ; # 1085 ; # 1091 ; # 1078 ; # 1085 ; # 1099 ; # 1082 ; # 1085 ; # 1080 ; # 1078 ; # 1082 ; # 1080 ; # 1073 ; # 1077 ; # 1079 ; # 1082 ; # 1072 ; # 1088 ; # 1090 ; # 1080 ; # 1085 ; # 1086 ; # 1082 ; .- # 1080 ; # 1083 ; # 1080 ; # 1093 ; # 1086 ; # 1090 ; # 1100 ; # 1089 ; # 1090 ; # 1080 ; # 1096 ; # 1082 ; # 1086 ; # 1074 ; , # 1085 ; # 1077 ; # 1087 ; # 1086 ; # 1085 ; # 1080 ; # 1084 ; # 1072 ; # 1102 ; ! # 8220 ; # 8211 ; # 1076 ; # 1091 ; # 1084 ; # 1072 ; # 1083 ; # 1072 ; # 1040 ; # 1083 ; # 1080 ; # 1089 ; # 1072 ; . # 1057 ; # 1075 ; # 1086 ; # 1088 ; # 1103 ; # 1086 ; # 1085 ; # 1072 ; # 1085 ; # 1072 ; # 1095 ; # 1072 ; # 1083 ; # 1072 ; # 1087 ; # 1086 ; # 1076 ; # 1091 ; # 1084 ; # 1099 ; # 1074 ; # 1072 ; # 1090 ; # 1100 ; ( # 1087 ; # 1088 ; # 1072 ; # 1074 ; # 1076 ; # 1072 ; , # 1089 ; # 1077 ; # 1081 ; # 1095 ; # 1072 ; # 1089 ; # 1101 ; # 1090 ; # 1086 ; # 1090 ; # 1086 ; # 1078 ; # 1077 ; # 1073 ; # 1099 ; # 1083 ; # 1086 ; # 1076 ; # 1077 ; # 1083 ; # 1086 ; # 1085 ; # 1077 ; # 1080 ; # 1079 ; # 1083 ; # 1077 ; # 1075 ; # 1082 ; # 1080 ; # 1093 ; # 8211 ; # 1086 ; # 1090 ; # 1078 ; # 1072 ; # 1088 ; # 1099 ; # 1077 ; # 1077 ; # 1089 ; # 1086 ; # 1074 ; # 1089 ; # 1077 ; # 1084 ; # 1088 ; # 1072 ; # 1079 ; # 1084 ; # 1086 ; # 1088 ; # 1080 ; # 1083 ; # 1086 ; ) , # 1095 ; # 1090 ; # 1086 ; , # 1082 ; # 1086 ; # 1085 ; # 1077 ; # 1095 ; # 1085 ; # 1086 ; , # 1085 ; # 1077 ; # 1087 ; # 108 3 ; # 1086 ; # 1093 ; # 1086 ; # 1073 ; # 1099 ; # 1089 ; # 1087 ; # 1083 ; # 1077 ; # 1089 ; # 1090 ; # 1080 ; # 1074 ; # 1077 ; # 1085 ; # 1086 ; # 1082 ; # 1080 ; # 1079 ; # 1084 ; # 1072 ; # 1088 ; # 1075 ; # 1072 ; # 1088 ; # 1080 ; # 1090 ; # 1086 ; # 1082 ; , # 1085 ; # 1086 ; # 1087 ; # 1083 ; # 1086 ; # 1093 ; # 1086 ; # 1090 ; # 1086 ; , # 1095 ; # 1090 ; # 1086 ; # 1090 ; # 1086 ; # 1075 ; # 1076 ; # 1072 ; # 1085 ; # 1091 ; # 1078 ; # 1085 ; # 1086 ; # 1087 ; # 1086 ; # 1076 ; # 1085 ; # 1080 ; # 1084 ; # 1072 ; # 1090 ; # 1100 ; # 1089 ; # 1103 ; # 1080 ; # 1080 ; # 1076 ; # 1090 ; # 1080 ; # 1089 ; # 1086 ; # 1073 ; # 1080 ; # 1088 ; # 1072 ; # 1090 ; # 1100 ; # 1101 ; # 1090 ; # 1080 ; # 1084 ; # 1072 ; # 1088 ; # 1075 ; # 1072 ; # 1088 ; # 1080 ; # 1090 ; # 1082 ; # 1080 ; , # 1082 ; # 1072 ; # 1082 ; # 1074 ; # 1076 ; # 1088 ; # 1091 ; # 1075 ; # 8230 ; # 1050 ; # 1072 ; # 1082 ; # 1074 ; # 1076 ; # 1088 ; # 1091 ; # 1075 ; # 1089 ; # 1086 ; # 1074 ; # 1089 ; # 1077 ; # 1084 ; # 1088 ; # 1103 ; # 1076 ; # 1086 ; # 1084 ; # 1087 ; # 1086 ; # 1103 ; # 1074 ; # 1080 ; # 1083 ; # 1089 ; # 1103 ; # 1073 ; # 1077 ; # 1083 ; # 1099 ; # 1081 ; # 1082 ; # 1088 ; # 1086 ; # 1083 ; # 1080 ; # 1082 ; # 1089 ; # 1088 ; # 1086 ; # 1079 ; # 1086 ; # 1074 ; # 1099 ; # 1084 ; # 1080 ; # 1075 ; # 1083 ; # 1072 ; # 1079 ; # 1082 ; # 1072 ; # 1084 ; # 1080 ; ! # 8220 ;