All Souls Essay Essay Example for Free

All Souls Essay Essay All Souls Essay In the memoir All Souls, by Michael Patrick MacDonald, one significant event that takes place were the busing movements, along with the riots that followed. During the 70s, when Michael was very young and in grade school, the Boston busing crisis began. The Boston government began busing kids to schools in different neighborhoods, in an attempt to desegregate schools. This caused mass outrage in many areas, especially Southie. Outside of Southie and the projects, society expected people accept these changes and to accept the desegregation. But in Michael’s community, everybody was against this, and took violent actions against it. By both his family and his community, Michael was expected to be against the busing movements. As it would turn out, Michael was also against it. He went as far as to throw rocks at the buses coming into his town. He described it as shameful if you did not partake at least a little bit in the violent acts. This example of the busing is a great example of how one’s mind is influenced by others. Here, Michael can be influenced by one of two sides; larger â€Å"outside† society telling him to accept the busing, or his family and small community telling him to deny it. I feel as if no matter who or what, one is much more influenced by the ones closest to them, whether it be a close family or a close community. Michael describes in the book that at many points, it feels like it’s Southie vs. the World. And no matter what, as another member of the Southie community, Michael will side with his home.

Parental Substance Abuse And Safeguarding Children Social Work Essay

Parental Substance Abuse And Safeguarding Children Social Work Essay Substance misuse causes considerable harm and is presently an immense global issue of public concern. It is a wide-ranging problem, damaging individuals, families and entire communities. In general, substance misuse is not only growing considerably within the United Kingdom, but also worldwide. Simultaneously, the number of children involved in the vicious circle of drug taking and problem drinking by their parents is also increasing. Although governments, policy makers and practitioners are recognizing the problem and taking steps towards tackling the effects of substance abuse within families; the issue in general seems far from being solved. Alcohol is legally available and easily accessible throughout England. It is positively associated with socialising, relaxing and celebrating. Although problems linked to excessive alcohol consumption are widespread and well established, it seems that alcohol misuse is somehow more socially accepted and does not have the same stigma as using drugs. Consequently, the issue of alcohol abuse, especially in families with children, often remains undiscovered, and the negative impact and effects of the excessive drinking behaviour of parents on children remain under-recognized and neglected. Estimates by the Prime Ministers Strategy Unit (2004) are that between 780,000 and 1,3 million children in England are (in)directly affected by an alcohol problem of at least one parent in other words: 1 in 11 children live in a household where alcohol misuse is present. While alcohol and the negative consequences associated with its uncontrolled use have been around and well documented for centuries, the drug industry has only been developing and growing rapidly over the last few years. Concordant with the Advisory Council on the Misuse of Drugs (2003) up to 300,000 children or 3% of all children under 16 currently belong to a family where one or two of their parents struggle with a dangerous drug issue. Parental substance misuse is also not unheard of in social services caseloads with one quarter to one third of families known to social services as being involved with misusing drugs or alcohol (Cleaver et al., 1999; Kearney et al., 2003). Many of these children do at least temporarily not live with their addicted parents. Putting these figures together, more than 10% of all children in England are exposed to suffer under the effects of their parental drug or alcohol misuse and it is extremely likely that these numbers will continue to grow over the following years. It seems also reasonable to believe that the official figures of affected children may be under-estimating the true scale of the problem as it is extremely difficult to calculate how many families have to cope with some form or the other of substance abuse (Templeton, 2006). First, not all drug and alcohol services take proper care to establish whether or not their clients are also parents and second, not all clients are willing to provide information about the existence of own children. Third, some institutions do not disclose figures, collect data properly or tend to under-report; and fourth, nobody knows how many substance misuser are not seeking treatment and, therefore do not appear on any official statistics (Keen et al., 2001; ACMD, 2003). Consequently, missing data and a clear underestimate of the total number of affected children by parental substance misuse seem obvious. Substance abuse can include negative physical (such as health risks and neglect), psychological (such as attachment disorders and depression) as well as social (such as poverty and crime) influences on both parents and their children (Kroll et al., 2000). Parental alcohol and drug abuse can affect childrens health and development in the long term from as early as conception and often into adulthood, leading to varying forms of strong, adverse and complex consequences (Turning Point, 2006). Additionally, all conceivable types of child maltreatment have repeatedly been associated and clarified in various studies with parental substance abuse including negligence (as the most common type of abuse), sexual, emotional and physical abuse (Cleaver et al., 1999; Alison, 2000; Forrester et al., 2006). The impact of alcohol and/or drugs may also significantly affect the parents capacity of adequate parenting (Alison, 2000). The negative impact of a dependency on the substance misuser himself can lead to chaotic lifestyles, complicating and preventing parents to support and care for their own children, meeting their basic needs and providing a safe and encouraging home environment (Keen et al., 2001; Home Office, 2008). With the knowledge that parental misuse of certain substances can have a seriously negative impact on childrens physical, psychological and emotional health and development, it is essential that these children potentially at risk are identified as early as possible in order to arrange for appropriate protection and safeguard their welfare (Nottingham City, 2004). This is the responsibility of all professionals in different ranges of services; they all must be able to identify and treat substance misuse related problems by adults, and also focus on the problems of affected children (Keen and Alison, 2001). Therefore, increasingly more research is being done, policy initiatives started and family-supporting services and projects have developed rapidly (Templeton et al., 2006). Although considerable progress has been made in recognizing and tackling the problem of substance abuse and the issue has won much public awareness in the last years, sadly, the death of children through the hand s of their parents recalls that the system still fails to safeguard children at risk. Professionals face a variety of often complex issues and struggle with working unimpeded. The most common problems are a lack of understanding, gaining access to the substance misuser and their children, resilience, dilemmas about confidentiality and information sharing, inter-agency tensions, assessment, lack of training and the ability to focus on both, adults and childrens needs (Kroll and Taylor, 2000; Taylor and Kroll, 2004). Without a doubt, changes and new approaches are needed, and through joint assessment, better information sharing and inter-agency cooperation, the focus should be on effective intervention and treatment for the substance misuser as well as of the so far often invisible and neglected children (Kroll and Talyor, 2000; Head of Safeguarding Children, 2008). The first section of this essay describes effects and causes associated with parental substance abuse. It highlights the impact of drug and alcohol misuse on the foetus during pregnancy and later on the child from newborn to adulthood, as well as resilience and protective factors for affected children. Part two focuses on professionals: their responsibilities regarding childrens safeguarding and the challenges they face when confronted with substance misuse. The third section covers the legal framework of safeguarding children and other related political measures. The fourth section examines the progress made so far by looking at different projects, interventions implemented and recent developments. In contrast, section five gives an insight into reality, pointing out some of the most obvious problems and recent incidents. It touches thoroughly discussed issues such as information sharing, inter-agency cooperation and training. The last section considers aims and goals, their impleme ntation and suggests recommendations for a more effective strategy in the future. Throughout this article substance misuse/abuse refers to the use either dependant use or associated with adverse effects of prescribed (such as tranquilizers, sleeping pills, pain-killers, depressants) and illicit (such as opioids, cocaine, ecstasy, cannabis) drugs as well as alcohol (Newcastle Child Protection, 2002) with critical social, interpersonal, financial, physical and psychological negative effects for both the users and those around them (ACMD, 2003). 78 SUBSTANCE MISUSE AND EFFECTS ON PARENTS AND THEIR CHILDREN There is reasonable basis in research to suggest that a child whose parent is misusing substances is at increased risk. Substance misuse can demand a significant proportion of a parents time, money and energy, which will unavoidably reduce resources available to the child. Substance misuse may also put the child at an increased risk of neglect and emotional, physical or sexual abuse, either by the parent or because the child becomes more vulnerable to abuse by others (Lewis, 1997) Parental substance abuse does not necessarily mean that children are at risk of harm or in need or receive poor parenting in some cases they would not even be affected in a negative way (Newcastle Child Protection, 2002). However, only a few children will not have to deal with multiple, mounting and varying negative consequences and survive such a complex issue entirely unscathed. While a concrete pattern of effects can never be clearly determined due to the complexity of the issue, many of the children may be permanently affected in an adverse manner, either emotionally, physically, socially, intellectually or developmentally (ACPC, 2004). Problems include a variety of health and developmental issues, ineffective parenting, criminal activity, poverty, chaotic lifestyles and educational attainment, and have long been underestimated and an abandoned research field (Keen and Alison, 2001; HM Government, 2008). The Children Act (1989, s17 (10)) defines a child in need as unlikely to achieve or maintain, or to have the opportunity of achieving or maintaining, a reasonable standard of health or development without the provision for him of services by a local authority; his health or development is likely to be significantly impaired, or further impaired, without the provision for him of such services; or he is disabled. In this context harm means ill-treatment (sexual abuse and forms of ill-treatment which are not physical) or impairment of health (physical or mental health) or development (physical, intellectual, emotional, social or behavioural development) (The Children Act 1989, s31 (9)). Among hundreds of other prescribable substances, alcohol and opiates should be reduced or avoided at all during pregnancy. Although it is not possible to evaluate all the effects of drugs and alcohol to a full extend on a fetus, it is known that it can be damaging at any time during pregnancy (from conception onwards up to birth, with the first 3 months being particularly vulnerable), causing a variety of health and development problems. Babies whose mothers were dependant on opiates or alcohol during their pregnancy are more likely to be smaller, of lower birth weight, premature and at higher risk of the sudden infant death (ACMD, 2003). Additionally the addicted mothers affected health and her possibly poor nutrition (high levels of sugar, not enough calcium, proteins, fruits and vegetables) often have an additional negative impact on the fetus physical and psychical development and the babys health. If an unborn is exposed to maternal alcohol abuse, this cannot only lead to the familiar serious impairments related to substance abuse mentioned before, but also to a remarkably common developmental problem known as Foetal Alcohol Syndrome. Foetal Alcohol Syndrome includes a series of potential effects on children such as learning disabilities, heart defects, lower body weight, decreased height, facial deformities, vision and hearing difficulties, ADD (Attention Deficit Disorder), ADHD (Attention Deficit Disorder with Hyperactivity), conduct disorder and inappropriate behaviour (Dore et al., 1995). Expecting women sharing injection equipment or working as prostitutes to finance their drug use, live with the constant threat of being infected with HIV or hepatitis B; for children born to drug dependent mothers who are infected with HIV, hepatitis C or hepatitis B, there is also a remarkably elevated risk to be also infected during pregnancy, birth or while being breastfed (ACMD, 2003). Heavy and prolonged maternal substance abuse, both opiates and alcohol, will very likely expose the child to the Neonatal Abstinence Syndrome, which is a term for a range of problems a newborn may encounter when withdrawing from exposure to narcotics. Typical symptoms include high-pitched and excessively long periods of crying, shivering, sneezing, sweating and temperature, vomiting and diarrhea, feeding difficulties, disturbed sleeping patterns, convulsions,, irritability and hyperactivity, high sensitivity to touch, wild sucking, rapid breathing and cardiac action (Marcory and Harbin, 2000). Despite the chance that appropriate antenatal care from the beginning would increase the possibility of a healthy and normal pregnancy and satisfactory development of the fetus, mothers involved with substance dependence often do not seek antenatal care, particularly due to their fear of being stigmatized. (Newcastle Child Protection, 2002). As a baby grows older, the likelihood of experiencing some negative consequences due to its parents substance abuse is not diminished in any way and the impact will vary considerably, depending on several factors such as the childs age and stage of development. The establishment of a decent, confident and secure relationship to at least one caregiver in the early months has widely been recognized as the foundation of a childs normal development. However, children of substance misusing parents often experience parental unavailability, inconsistent care and conflictual relationships (ACMD, 2003). A habit often lets a parent focus more on acquiring and using his drugs or alcohol rather than its childrens needs. Intoxication and coping with withdrawals symptoms lead to limited time, attention and emotional unavailability (Kroll and Taylor, 2000). Further, children of drug and alcohol abusers often have to experience an enforced temporary or permanent separation or loss of a parent due to abandonment, hospitalization, imprisonment, treatment, removal or other emergencies (ACMD, 2003). All these points contribute to life-long complicated and insecure attachment. The above-specified problems commonly also affect the nature and quality of parenting, which in turn often naturally results in further difficulties in a childs development (ACMD, 2003). Research proves that many substance abusing parents lack exemplary models for parenting as they have received poor parenting and maltreatment themselves (Keen and Alison, 2001). As dependence on a substance becomes central, parents are more likely to neglect their children which bears various risks and dangers them, regardless of their age group. Children may be inadequately supervised or left alone at home, exposed to preventable accidents and/or injuries (Kroll and Taylor, 2000). But not only children are at risk of accidents, also drugged or drunken adults are exposed to a higher level of self-induced incidents such as falls, forgetting food on the hob or falling asleep with still glowing cigarettes. Parents with an addiction repeatedly also tend to be unable to fulfill their childrens own basic needs so daily hygiene, a balanced diet and general health may suffer as well as stability, routines (such as bedtimes, getting up and out for school) and boundaries (Alison, 2000). Further health risks may be provoked not taking childrens routine health appointments or problems seriously enough or careless disposal and therefore easy access to drugs, bottles, syringes and needles (Kroll and Taylor, 2000; Alison, 2000). There is also notable danger for children that have observed their parents using substances, copying them (ACMD, 2003). Girl, 2, dies drinking her mothers methadone (2002) Boy, 2, died after taking parents methadone (2006) Boy, 14, dies after drinking methadone at his aunts flat (2008) Another consequence of parental unavailability is that children are often left alone with daily adult/parental responsibilities such as caring for their younger siblings, meeting their parents needs, managing finances and household chores (Kroll, 2004). Such additional and inadequate responsibilities may in turn result in the loss of social opportunities and poor academic performance of child- some research gives evidence that children miss school (regularly) by being kept at home due to caring responsibilities and left with little time to socialize. Social isolation becomes more severe as the child grows older and starts to be careful about exposing family life to outsiders and lives in a circle of denial and secrecy due to shame and fear (ACMD, 2003). Misusing drugs or alcohol does not only contribute to negligence but often goes hand and hand with other forms of child abuse and violence at home. The possibility of abuse and child maltreatment is enforced by the likelihood that children may be exposed to a number of possible dangerous strangers or inappropriate carers within their own home (Newcastle Child Protection, 2002). Research also reveals a lower tolerance level and moderate loss of temper associated with substance abuse, causing aggressive behaviour and resulting in violence to appear frequently (Kroll, 2004). Emotional neglect and abuse is also an issue within a parental substance misusing environment. Children often either feel rejected and unloved by their parents as they concentrate and spend considerably more time on their destructive habit than with them, or embarrassed and often also guilty (Kroll, 2004). Maintaining an addiction is a financial burden, not only making it difficult to complete household costs, but also regularly leading to criminal activity to buy drugs or alcohol. Children of addicted parents are also more likely to be exposed to early criminal conduct and/or its consequences not infrequently because they have been with a parent while they had been committing a crime (ACMD, 2003). Although parents try and tend to hide their habit from their children, children sooner or later discover it and typically have to deal with it by themselves which usually adds to a variety of already existent behavioural problems due to the mentioned consequences of parental substance abuse children tend to be more aggressive, feel upset or anxious and show anti-social behaviour (ACMD, 2003). Negative parental examples and role models such as drug taking, alcohol abuse, crime, poor living conditions and inappropriate behaviour inevitably can lead a child to view their parents actions as being normal and approved so that substance abuse and outrageous conduct by themselves becomes more likely as they enter into their teens and adulthood (ACMD, 2003). Research into child resilience has shown that key protective factors can have an enormous impact on preventing children from being damaged by parental substance misuse. The field of factors includes having a parent not misusing substances, a strong bond with a caring adult and support from extended family (Templeton and Velleman, 2007). Further to mention are a violence-free home, sufficient financial resources and an upstanding support system as well as educational success and involvement in different activities (19?). Working towards personal goals and dreams, taking education or career opportunities or even leaving the parental home are also common strategies to deal with experiencing substance abuse at home (Templeton and Velleman, 2007). Parents generally are aware of the negative consequences and influence on their children, and they often experience a range of impacts as a result of their weakness which moreover will have follow-on affects for their children, for example in their parenting capacity. Many of them have experienced difficult childhoods and were poorly parented themselves in this cases drugs or alcohol are often used to deal with a range of traumas and tension associated (Alison, 2000). PROFESSIONALS It is the reliability and function of all genres of professionals and agencies including general practitioners, health visitors, doctors, midwifes, pediatricians, mental health services, family support services, treatment institutions, social services, police, educational settings and voluntary sectors to safeguard and protect children. Safeguarding is equal to keep children safe from harm and abuse both deliberate abuse as well as accidents, bullying and crime and to promote their well-being and development in a healthy and safe environment (HM Government, 2006). Everyone having contact with children must be aware that it is not acceptable to remain sidelined if a child is in need or risk of harm (Lord Laming, 2003). However, it is noteworthy that each professional recognizes and accepts the limitations of his own roles and values the essential share of others (Keen and Alison, 2001) otherwise everyones duty and the mission to put a childs welfare first soon gets lost and remai ns no ones responsibility (Inter-Agency Guidelines, (2008). Challenges When encountering parental substance abuse, all professionals face a series of dilemmas, conflicts and tensions in their work with children and adults. They often simply feel unprepared and lack the expertise, skills and training to focus and work effectively with adults and children to the same purpose, and even if they do have the proper training, professionals often just do not see their role in engaging with children or substance misusing parents (Templeton and Velleman, 2007). Professionals interviewed by Taylor and Kroll (2004) stated one after another that they lack training which covers child safeguarding and protection processes and feel inexperienced to work with children of drug and alcohol users, children in need or risk of harm. Additionally, there seems to be a common confusion among different agencies regarding their individual roles and therefore allocation of clear responsibilities. A large part of these issues lay in the individual and independent development of sub stance misuse services and child welfare approaches over the last years. While adult treatment services place the substance abusers first and often do not involve existing children, the primary purpose of child protection agencies are solely the children, generally not taking into account parents needs (Colby and Murrell, 1998 in Taylor and Kroll, 2004). But agencies working with children must also take into account the situation and the problems of the respective parents, being aware of the impact parents behaviour have on children. At the same time, services for adults must not ignore existing children, so a great cooperation between agencies and services is needed (Templeton and Velleman, 2007). Professionals and agencies have to deal with parents who may bot be easy to engage with, who may not want to cooperate with them, are reluctant to open up, tell the truth or prepare to change (Nottingham City ACPC, 2004). Therefore it can be a challenge to obtain, establish and maintain t rusting relationships with either the parents or the effected children (Inter-Agency Guidelines, 2008). On the other hand, families with a drug and/or alcohol problem fear a range of consequences and rejection by opening themselves to professionals, which usually keeps them in a twist of silence and secrecy, thus preventing them access to support and help for themselves or their children (Nottingham City ACPC, 2004). Parents are often reluctant to approach services and seek treatment, have problems to confide in others and reveal their drug and/or alcohol problem as they particularly fear that any disclosure could lead to losing their children and that their family might be treated differently, stigmatized or denied by others (Nottingham City ACPC, 2004). Although confidentiality is a key principle for such agencies, no organization can guarantee it and in some cases, professionals have to share information, especially when a childs welfare is at risk (The Stella Project, 2002). SAFEGUARDING AND LEGAL FRAMEWORK As mentioned earlier in this article, agencies, services and professionals in touch with children or/and adults who are parents have a variety of responsibilities to safeguard children, assess their needs and promote their welfare. In the United Kingdom, considerable legislative framework exists for this purpose, with the Children Act 1989 and the United Nations Convention on the Rights of the Child as the elementary and reforming pieces of child law. In general, the Children Act (1989) focuses on improving childrens lives and demands comprehensive services to all children as well as tailored ones for those with additional needs. It also clarifies that if a local authority has reasonable cause to suspect that a child who lives, or is found, in their area is suffering, or is likely to suffer, significant harm, the authority shall make, or cause to be made, such enquiries as they consider necessary to enable them to decide whether they should take any action to safeguard or promote tha t childs welfare (The Children Act 1989, s47 (1)). The Children Act also provides the legal grounds for the five Every Child Matters (2003) outcomes in law be healthy, stay safe, enjoy and achieve, make a positive contribution, achieve economic well-being. Later the Children Act (2004) implemented a requirement for local authorities and a range of agencies engaging with substance abusing parents to rank first the welfare and safety of their children. Local authorities and agencies are made responsible to determine if a child is in need and/or risk and then to take appropriate steps to protect him from (further) significant harm (ACMD, 2003). Further The Children Act (2004) focuses on co-operation to improve and secure the well-being of children. Early awareness and intervention is critical to reduce the numbers of child protection cases but assessment is an immensely complex process. When assessing the welfare of a child, practitioners must work sensitively and child-centred, analysing the parental substance misuse from the childs position to better understand the impact upon his development and life (Lord Laming, 2003). For a more standardized, coordinated, early and practical way to assess childrens individual needs, the Common Assessment Framework (CAF) was designed and forms part of the Every Child Matters (Lord Lamming, 2003). The Department of Health also provides the Framework for the Assessment of Children in Need and their Families, which is based on a more ecological approach. Further, all local authorities are required to have an Area Child Protection Committee to organize and supervise child protection measures. When determining that a child is at risk of significant harm, child protection procedures should immediately be initiated to ensure that the necessary referral is made to the social services (ACMD, 2003). It is crucial that assessment is ongoing and changes are carefully monitored when a parent is in treatment or free from drugs or alcohol dependence it does not necessarily mean that children do not longer suffer from any adverse consequences (Nottingham City ACPC, 2004). Further, if no concerns regarding the well-being of a child are established, professionals should remain in connection with the family and carefully observe them as harmless situations often quickly change into an unpredictable environment for the child (Newcastle Child Protection, 2002). PROGRESS Over the last years, there has been a wide range of Government initiatives, programmes, strategies and policies aimed at tackling (parental) substance misuse. The Updated Drug Strategy for England 2002, Models of Care for Alcohol Misusers, the Green Paper on Children at Risk, Extended Schools, the Childrens National Service Framework, Sure Start and Early Excellence Centres, mentioned above, are only some examples of key initiatives (ACMD, 2003; The Stella Project, 2002): The Updated Drug Strategy for England in general specifies a variety of actions undertaken by the Government to tackle drug use and restrict the access to Class A (heroin, cocaine) drugs. Further it acknowledges that there is not enough attention given to children of drug dependent adults and thus more focus on helping them as well as addicted mothers is needed. The Models of Care for Alcohol Misusers first effort is to identify, work towards and minimize negative consequences of alcohol abuse on children. In particular, this strategy also addresses abuse and domestic violence as the main associated problems with alcohol dependence. The Green Paper on Children at Risk is a strategy addressing a series of key recommendations of the Laming Report and aiming to implement policies to improve the life chances of children. The concept behind the Extended Schools project, initiated by the Department for Education and Skills, is that schools could create stronger relationships parents and children, motivate their pupils and so raise standards by offering a wider service such as adult education, health services and childcare. The Childrens National Service Framework main goal is to reduce inequalities in health and social services as well as upgrading the overall standard of such services. The scheme specifically concentrates on the needs of children of drug and alcohol abusers. Sure Start provides different services and support of all kind to all families in more disadvantaged areas and in cases of parental substance misuse, the Sure Start team will seek advice, refer to and work closely with the relevant practitioners and agencies. Early Excellence Centres were established to raise childrens welfare and development by working coordinated with other community agencies and offering advice, support, childcare, health services and early learning. With a comprehensive legislative framework already established in the United Kingdom and several initiatives and programmes running, it does not seem especially needed to modify existing legislations or implement new ones or start more projects to protect children effectively. Nevertheless, those already existing must be fully understood and applied by practitioners in all areas, and everyone must clearly understand his responsibilities and those of the others (Lord Lamming, 2003). However, the death of the children Baby P and Victoria Climbià ¨ are tragic examples of the failings in the child protection system. Despite considerable commitment and progress made so far, challenges remain in the protection of children and their safeguarding as well as in the daily reality of practitioners. The issues mainly surround training, adequate levels of staffing, improvement of data systems and information sharing and better coordination and cooperation problematically (Lord Lamming, 2003). REALITY The exact number of minors suffering under parental substance abuse known to social services is not clearly determined. In 1999, Cleaver et al. estimated that around 25 to 60 percent of all children in child protection proceedings were living with a parent having a drug or alcohol problem. A more recent study of 290 child custody cases in four different London boroughs revealed that 34% (100 families) where affected by substance abuse, resulting in more than 50% of all children in care proceedings and over a third of all children on the child protection files being subjects of parental substance abuse (Forrester and Harwin, 2006). Both researchers also found that most affected children were under the age of five years. Information sharing Although the government set clear guidelines on sharing information with the publication of Information sharing: Guidance for practitioners and managers in 2008, breaching confidentiality, information sharing and data protection still remain some o

The 1920’s and 30’s - Difficult Times for Blacks in America Essays

The 1920’s and 30’s - Difficult Times for Blacks in America The 1920’s and 30’s were some troublesome times for many blacks living in the United States. Even though they were free men, a lot of blacks were still treated like slaves. They were subject to unfair trials, beatings, lynchings, the presumption of guilty before trial, and were also least in priority to whites. Harper Lee also shows these same acts of prejudice in her book To Kill A Mockingbird. It was much easier for a white man to go on trial than a colored man. In 1918, white troops from Illinois, in broad daylight, under the eyes of tens of thousands of people, shot, wounded and killed over one hundred Negroes without any reasonable or apparent provocation from the Negroes. No white soldier was even apprehended or tried in court for this act. Shortly after, Negro troops taunted by abuses, and provoked by prejudice were alleged to have â€Å"shot up the town of Houston†, killing a few people. The Negro soldiers were tried; the verdict was withheld from public; they were denied the right of appeal, and were hustled to the scaffold (Messenger 96). This example shows how the whites were by far favored over the blacks in the court of law. Also the quote â€Å"There is one law for the white man in this country and another for the black man†, shows how the courts were unfair (Messenger 96). During this time period all of the juries had to consist of white males. Most of the white males were prejudice. So, no matter what the evidence would say, the prejudice would take over and the thought that â€Å"all blacks are bad† would come in to play in the verdict. It would almost be dishonorable for a white man to not vote a black man guilty, no matter what the evidence poin... ... Herbert. Vol. 2. Secaus: Citadel Press, Inc., 1973. 512-516 Hodges, Aimee and Strenth, Rob KKK Page. 10 Mar. 2001 1928. 1-2 http://www.coe.ufl.edu/courses/edtech/vault/SS/20s/kkk/kkkpage.html>. Lee, Harper. To Kill A Mockingbird. Philadelphia: J.B. Lippincott Company, 1960 Messenger, The. 1918. "A Statement of Fact On Lynching." A Documentary History of The Negro People In the United States. Ed. Aptheker, Herbert. Vol 2. Secaus: Citadel Press, Inc., 1973. 610-614 Pickens, William. "The Woman Voter Hits The Color Line." A Documentary History of the Negro People In the United States. Ed. Aptheker, Herbert. Vol. 3. New York: Carol Publishing Group, 1990. 305-309. Walter, White. â€Å"A Statement of Fact On Lynching." A Documentary History of the Negro People In the United States. Ed. Aptheker, Herbert. Vol. 2. Secaus: Citadel Press, Inc., 1973. 610-614

Provide Evidence in a Prosecution Case :: science

Provide Evidence in a Prosecution Case Experiments to Provide Evidence in a Prosecution Case with the Pervis Vinegar Company on Unknown Toxins The aim of this experiment is to preform tests on two samples of vinegar, one that is commercially safe and the other not (from the Pervis Company) to determine the unknown toxin contained in the Pervis Vinegar. Materials: * Numerous Beakers/Conical Flasks * Phenolphthalein Indicator * Burette * Numerous Test Tubes * Sticky Tape * Test Tube Rack * Sodium Hydroxide (NaOH) * Calculator * Sample of Commercially Safe Vinegar * 2 Surgical Swabs (large cotton bud) * Sample of Pervis Vinegar (Toxic) * 2 Agar Gel Plates * Universal Indicator * Incubator Oven * Incubator * Bunsen Burner * Water * 2 Small Syringes * Potassium Chromate Solution * Hydrochloric Acid Methods To fully determine and identify the unknown toxin present in the Pervis vinegar sample, four tests were needed. A molarity test was completed, a sample of the vinegar was then allowed to grow on an agar plate to ascertain whether bacteria were present and a pH test would also be done. The final test was a precipitant test to discover if the heavy metal Lead was present in the Pervis sample. A titration experiment was now set up using Sodium Hydroxide solution as the alkali in the burette with a molarity 0.01177 and 25ML of Pervis vinegar was placed in the beaker underneath the burette. Approximately four drops of Phenolphthalein indicator where added to the Pervis vinegar and then the measured amounts of NaOH were slowly added to the vinegar. The burette needed to be refilled several times and the average amount of NaOH solution needed to neutralise the Pervis vinegar was 181.5 ML. That same experiment was then tried using commercially safe vinegar in the beaker below the burette. Four drops of Phenolphthalein indicator were again placed in the vinegar and then measured amounts of NaOH were released from the burette into the beaker. This was completed three tines with the average NaOH needed to neutralise the safe vinegar approximately 154.5 ML. These amounts for the NaOH added were then recorded for later analysis. The pH test was now done with both samples of vinegar. Two test tubes were placed in a test tube holder and 14ML of each sample of vinegar poured into one of the test tubes. About two drops of Universal Indicator were placed in the test tubes and the reaction colourers were recorded for later use.

Study of William Blake’s Poems of Experience :: English Literature

Study of William Blake’s Poems of Experience Most of William Blake’s poetry that I have studied has had a major theme or themes such as religion or oppression and usually his poems also use symbolism to get across the point. I am going to study closer two poems: The Tiger and A Poison Tree. The Tiger is a very famous poem and is one of the more popular poems written by Blake. I feel that the poem is about religion, creation and the French Revolution, which took place in France around the time, that Blake was writing these poems. I think that the Tiger itself is a personification of evil, which you could say is the French Revolution as many Europeans thought that the revolution was an evil thing. The animal, the Tiger is also a very strong, ferocious animal that hunts its prey very well. Again there are connections with the revolution, which was very strong and ferocious and did not stop until it got what it wanted like a tiger doesn’t stop until it gets its prey. The poem starts of by saying that the Tiger is ‘burning’, which I thinks means that the revolution is alive and burning. The word burning gives a slow but steady feeling so that it makes the reader think that the revolution is alive but it has not yet hit full force and is just biding its time before it can make that crucial hit. The first verse ends by asking a question ‘What immortal hand or eye could frame thy fearful symmetry’. I think that this refers to how quickly the revolution got out of control and who could possibly control it after that. Many other countries joined in to help the king of France but were they enough to stop the revolution? Through the second, third and fourth verses Blake gives a very strong image of the ‘Tiger’ being created possibly by God himself. Blake uses phrases such as ‘sinews of thy heart’, which gives a feeling of a very strong and unforgiving thing being produced. Then he moves on to speak of what tools could have created the ‘Tiger’ and Blake mentions tools such as a hammer, a furnace and an anvil which are all tools used in forging metal and heavy industry such as that. This gives the reader a sense of the ‘Tiger’ being very strong and tough. Also the image of a furnace burning relates back to the revolution burning and it makes me think of things which you don’t touch or go near as they are very dangerous. This could be related to the dangerousness of the

Hdfc Bank Essay

The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France â€Å"Bancassurance† is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank varies from country to country. Under English law, a bank is defined as a person who carries on the business of banking, which is specified as: †¢ Conducting current accounts for his customers †¢ Paying cheques drawn on him, and †¢ Collecting cheques for his customers. 1.3 OBJECTIVE OF THE STUDY: The Objective of this on the job training is to study the importance of the potential customers and their value to the bank and creating the awareness among them about the importance of current accounts and keep a good relationship with them for the bank’s benefit. 1.4 ORIGIN OF THE BANK: The name bank derives from the Italian word banco â€Å"desk/bench†, used during the Renaissance by Florentines bankers, who used to make their transactions above a desk covered by a green tablecloth. However, there are traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome- that of the Imperial Mint. 1.5 PRESENT STATUS OF THE BANK: Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europe’s share was mostly at the expense of Japanese banks whose share more than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and branches (75,000) in the world. The large number of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to medium sized institutions in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy had more than 30,000 branches each—more than double the 15,000 branches in the UK. 1,6 FUTURE OF THE BANK : The future is integration as people will have less time for banking. People will want to process more transactions on the Internet. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is executable on the Net. â€Å"Integration is the next real big thing. As a customer you will want a one-stop shop that will take care of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, renew policies, buy cinema tickets, railway tickets, and numerous similar transactions through the bank. The ATM will still serve as a cash dispensing medium, but the Internet and mobile will be very active†. [pic] 2.1 ORIGIN OF THE ORGANIZATION : H.D.F.C was set up on 17th October, 1977 by I.C.I.C.I. out of the consideration that a specialized institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop significant expertise in retail mortgage loans to different market segments and to have a large corporate client base for its housing related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is India’s leading housing finance company and for all practical purposes is synonymous with the domestic housing finance industry. The primary objective of H.D.F.C is to enhance residential housing stock and promote home ownership. One of its major objectives is to increase flow of resources for housing through the integration of housing financial institutions with the domestic market. H.D.F.C. has developed a strong market reputation large shareholder base and unique consumer franchise. H.D.F.C. is India’s premier housing finance company in India as well as in international markets. It has maintained a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth. 2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION: HDFC Bank reported a 43 percent growth in net profit at Rs.75.5 crore for the third quarter ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call today, January 15, 2002, Paresh Suthankar, head – credit risk and investments, reiterated the bank’s earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top line for the next two to three years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market environment is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent. At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The bank’s exposure to capital markets is around 6-7 per cent, against the Reserve Bank of India (RBI) norms of 5 per cent. The bank expects to bring it down to within the stipulated limit by the end of this fiscal. The bank has made a lot of headway in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 cities and the ATM network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back. 2.3 PRESENT STATUS OF THE ORGANIZATION: HDFC Bank Limited provides various financial products and services. It operates in three segments: Personal Banking, NRI Banking, and Wholesale Banking. The Personal Banking segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers; credit, debit, and prepaid cards; mutual funds, general and health insurance, bonds, and equities and derivatives products; and forex and payment services. The NRI Banking segment’s deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards. The Wholesale Banking segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit; and non-funded services, such as letters of credit, bank guarantees, and collection of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India. [pic] 2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION: HDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes functional departments as follows: 1. Current Account Department 2. Saving Account Department 3. Trade Department 4. Salary Department 5. Cash Department 6. Demat Account Department 2.5 ORGANIZATION STRUCTURE AND CHART: [pic] 2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION: HDFC Bank mainly provides three kinds of banking services: †¢ Personal Banking †¢ NRI Banking †¢ Wholesale Banking The following are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, General & Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities & Derivatives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, transfer funds to India, make payments etc., HDFC Bank has a range of products and services that you can choose from to transact smoothly, efficiently and in a timely manner. With HDFC Bank’s payment services, you can bid goodbye to queues and paper work. HDFC’s range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many typ es of accounts like: †¢ Saving Account †¢ Current Account †¢ Demat Account †¢ Salary Account HDFC Bank has designed two programs to make banking easier for the customers and they are †¢ HDFC Bank Preferred Programme †¢ HDFC Bank Classic Programme. HDFC Bank offers Private Banking services to high net worth individuals and institutions. HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services. 2.7 CURRENT ACCOUNT IN DETAIL: Features & Benefits: [pic]Free Account to account funds transfer between HDFC Bank accounts Free payment and collection through RTGS. Free payment and collection using NEFT (through Net banking) Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 300 â€Å"At Par† cheques leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment. Fees & Charges for Plus Current Account: Minimum Balance (Average Quarterly Balance)—————-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, 500/- per quarter, if AQB is less than Rs. 100,000/- but > = Rs. 50,000/- Cheque Book Charges (Issued by Bank)——-Payable-at-par Free 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves Remittance facility through own Bank: Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) : Local cheques collections & payments—————————————Free Account to Account Fund Transfer within HDFC Bank- —————–Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank-Free Payments & Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation—-Rs.50/- per instrument Cheque Collection: Outstation through own bank——Collection: Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) : Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions : 1. Cash Deposit Cash Deposit-Home Branch Location—-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home location——–Maximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch—Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity——Free up to Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Features & Benefits [pic]Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 200 â€Å"At Par† cheque leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Trade Current Account [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——-Rs. 40,000/- Non-Maintenance Charges per quarter———Charge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) ———-Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leaves Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone Banking All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation——————-Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————–Free RTGS Transactions : Payments————————Free Collections———————–Free Local Transactions (At home branch location) Local cheques collections & payments————————————-Free Account to Account Fund Transfer within HDFC Bank —————-Free Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank——————Free Payments & Collections at HDFC Bank Locations———————Free up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction Charges All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) —–Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection Outstation through own bank————–Rs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank———-Correspondent bank locations: Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.50, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.50, 000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are: Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month. Free up to 30 demand-drafts per month. Free RTGS & NEFT Transactions. Features & Benefits Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 â€Å"At Par† cheque leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) ————————-Rs. 25,000/- Non-Maintenance Charges per quarter—————————–Charge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par————————100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement. Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months. Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 – Rs. 25/-, Above Rs. 100,000- Free Issuance of DD/ PO through Phone Banking: All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation———————————Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————-Free RTGS Transactions: Payments———————–Rs. 100/- per transaction Collections———————-Free Local Transactions (At home branch location) Local cheques collections & payments—————————-Free Account to Account Fund Transfer within HDFC Bank ——-Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Rs.15/- per transaction Payments & Collections at HDFC Bank Locations Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 Bulk Transaction Charges: All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) ——-Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection: Outstation through own bank Rs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bank Correspondent bank locations: Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.25, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch———————————-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account. So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account. What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need. Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000. Features & Benefits Enjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained* For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table: [pic] Transaction—————————————Dynamic Free Limits* Cash Deposit at Home Branch Location Anywhere Payments, Collections & Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular month Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free! Make and receive remittances to & from your vendors & customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free! Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service – receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM! The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT (through NetBanking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Convenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par Cheques. Free 500 leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! . Fees and Charges for Apex Current Account:[pic] Minimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarter:Charge of Rs.5,000/- per quarter if AQB is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) ——–Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leaves Other Current Account Facilities Issue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own Bank Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limit Pay Orders (PO) – on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking————-Free without limit Only DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/Revalidation———Rs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) Local cheques collections & payments——————————Free Account to Account Fund Transfer within HDFC Bank———-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC Bank—————————Free Clearing Transactions-Collections &Payment at HDFC Bank locations—-Free Bulk Transaction Charges: All transactions are subject to a maximum of 500 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)———-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation————-Rs.50/- per instrument Cheque Collection Outstation Cheque collection on HDFC Bank Locations—————-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & non-MICR cheques: Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit – Non Home Branch City Charges @ Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash Withdrawal Cash Withdrawal-Home Branch———–Free. Cash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques: Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere collection & payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees and Charges for Max Current Account †¢ [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——–Rs. 5, 00,000/- per quarter †¢ Non-Maintenance Charges per quarter Charge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/-; Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank) 500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves †¢ Other Current Account facilities Issue of Duplicate / Adhoc Statement Rs. 100 at Branch, Rs. 30 per statement through Net Banking & Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM & Mobile Banking Mode of Calculation of Minimum Average Quarterly Balance Average of daily closing balances of each day spread over a period of 3 months. Remittance facility through own Bank: Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limit Pay Orders (PO) – on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking Free without limit Only DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation———— Rs.50/- per instrument NEFT/EFT Transactions: Payments——————————-Free Collections——————————Free RTGS Transactions: Payments——————————–Free Collections——————————-Free Local Transactions (At home branch location) Local cheques collections & payments——————————————Free Account to Account Fund Transfer within HDFC Bank———————–Free Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC Bank————————–Free Payments & Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges @ Rs. 0.50/1000, min Rs.25/-. †¢ Bulk Transaction Charges All transactions are subject to a maximum of 300 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. †¢ Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation—————————–Rs.50/- per instrument †¢ Cheque Collection Outstation through own bank——————————–Free †¢ Outstation through another bank Correspondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch City Free up to Rs. 50 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit – Non Home City Maximum Rs.1, 00,000/- per day. Charges @ Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash Withdrawal Cash Withdrawal-Home Branch———————–Free at Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity Free cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. 2.8 MARKET PROFILE OF THE ORGANIZATION: Company Profile:HDFC Bank Limited Ticker:500180 Exchanges:OTH BOM 2008 Sales:124,140,000,000 Major Industry:Financial Sub Industry:Commercial Banks Country:INDIA Employees:37836 3.1 STUDENT’S WORK PROFILE (ROLE AND RESPONSIBILITIES): I have completed my summer taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as: ROLE- I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as: RESPONSIBILITIES- †¢ To generate leads for the Bank. †¢ To buildup better relationship with customers. †¢ To increase the sales of the Bank. †¢ To provide awareness about the current account. †¢ To achieve company’s target. 3.2 DESCRIPTION OF LIVE EXPERIENCE: Working with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is very important. These things are very important which we need to learn : †¢ How should behave in the organization? †¢ How behave and coordinate with the customer? †¢ How we need to talk to our Boss, our superior and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the entire employees helped me to learn the work culture HDFC Bank. In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFC’s products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATION: In this Company I am working as a Sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like: †¢ I provide leads everyday for opening current account. †¢ I make good relationship between Bank and customers. †¢ I provide awareness about the current account through some demos and calling. †¢ I help in making some useful marketing strategies. 1. RESEARCH INSTRUMENT : A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of information was properly administered to avoid non-respondent error. The primary data is collected by cold calling from respected place of branch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report. 2. SOURCE OF DATA : The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with customers. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included. 3. RESEARCH DESIGN AND METHODOLOGY: Main Methodology -: Collection of Primary data (Consumer and Market Research) through Personal Questionnaires & Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines. FIELDWORK: The respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study. RESEARCH ANALYSIS: After the collection of data I have categorize the data into – †¢ Primary Data †¢ Secondary Data As we know the data collected in primary mode is more reliable in the comparison of secondary data. So we depend more on the primary data. SOURCES OF PRIMARY DATA: †¢ Survey †¢ Personal SOURCES OF SECONDARY DATA: †¢ Through internet †¢ Branch manager approvals †¢ Personal vehicle dealers †¢ Brochure of the bank 4. SUMMARY OF FINDINGS: The Housing Development Finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group. After finding primary and secondary data I find: 1. Customers don’t know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more knowledge about the HDFC Bank limited. 4. HDFC reduces the complexity of current account. 5. HDFC provides best way to earn more profit. 6. HDFC is beneficial for making profit and various types of works. 7. The procedure of HDFC is very easy. [pic] 1. SUMMARY OF LEARNING EXPERENCE: HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. So that I learn many important things from HDFC and market are as: 1. I have gained live experience of marketing. 2. I find all types of help from my training in charge. 3. I have gained knowledge in the field of HDFC. 4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector. 2. CONCLUSIONS AND RECOMMENDATIONS: Conclusion HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations 1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship 5. To improve its marketing strategies 6. To improve its selling process [pic] COPY OF QUESTIONNAIRE: 1. Are you aware about Current Account? a. Yes b. No 2. Are you aware about current account providing HDFC Bank? a. Yes b. No 3. Are you aware about HDFC Bank Limited? a. Yes b. No 4. Are you aware about the procedure of Current Account? a. Yes b. No 5. Is HDFC reduces the complexity of Current Account procedure? a. Yes b. No 6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yes b. No 7. Are you aware about the profit volume ratio doing business with HDFC? a. Yes b. No 8. Are you interested to open current account in HDFC Bank ? a. Yes b. No BIBLIOGRAPHY: 1. www.hdfcbankltd.com 2. www.hdfc.in 3. www.google.com 4. Business Today 5. India Today [pic] ———————– Sales Executive Team Leader Sales Manager Area Sales Manager Area Sales Head Regional Sales Manager Zonal Sales Manager National Sales Manager

The Crucible Comparison

Katelyn Mittler 10/4/12 4th hour Hegemony through Terror Lost, terrified, and not in control of their own thoughts, Mary Warren and Shawn Hornbeck strive for the life they once lived. In 1692, The Crucible character, Mary Warren comes under the control of foil character, Abigail Williams. In a similar, more recent story, Shawn Hornbeck’s normal life of video games, hanging out with friends, and dirt biking, is ripped away from him with Michael Devlin forcefully kidnaps him with the intent of murder. Everyday coerced by their fear, constantly reminded death reigns imminent.In Arthur Miller’s The Crucible, character Mary Warren, threatened by Abigail Williams not to release they are pretending, lives a lie; just as missing child, Shawn Hornbeck, manipulated by Michael Devlin, cannot release his true identity. Falling into great peer pressure while facing threats from Abigail, Mary makes the courageous decision to tell the truth, but Abigail strengthens her grip and the tr uth crumbles. Mary knows the girls are lying but struggles with the imminent threats from Abby in her rebuke to Proctor, â€Å"She’ll kill me for sayin’ that! (Miller 80). Mary gets this idea from the death threat imposed on her by Abby â€Å"and mark this. Let either of you breathe a word or the edge of a word, about the other things, and I will come to you in the black of some terrible night and I will bring a pointy reckoning that will shudder you† (20). Abigail scares not just Mary, but all the girls with threats. After trying to tell the truth, Mary succumbs to the torment of Abby. â€Å"Abby, Abby, I’ll never hurt you more† (119).The â€Å"pointy reckoning† that Abigail threatens Mary with does its justice and Mary morphs back into a powerless silenced girl. Similarly, from Shawn’s abduction on October 6th 2002 to his discovery on January 12th 2007, Devlin forces Shawn into living a lie. Shawn spares himself from the wrath of D evlin as he remains powerless in a glass case of emotions. â€Å"From day one he had the gun, he had the power. I was powerless and there was nothing I could physically do† (Kidnapped: Shawn Hornbeck). Devlin holds all of the power, leaving Shawn unable to even think clearly.According to Shawn’s stepdad, Craig Akers, â€Å"Devlin’s control over Shawn was complete and total† (Kidnapped: Craig Akers). Through Devlin’s â€Å"complete and total control,† Shawn makes what his parents call â€Å"A deal with the devil† to save his own life. â€Å"Shawn told the defendant that he would do whatever he wanted him to if he didn’t kill him† (Kidnapped: Akers). â€Å"Devlin agreed not to kill Shawn as long as he made what we called ‘a deal with the devil’. He could never contact anyone, never try to run. And if he did he would be killed† (Kidnapped: Akers).This â€Å"deal with the devil† results in Shawn li ving a lie. â€Å"Shawn became Shawn Devlin and for the next four and a half years the deal he made that day left him tied to his tormentor†(Kidnapped: Sheriff Gary Toelke). The haunting agreements made that day leaves Shawn trapped in a world of terror only known by few. Mary Warren and Shawn Hornbeck are under what psychologists call â€Å"control by terror†. Living a lie, both are coerced into deciding between saving themselves by staying in this lie or to reveal the truth and face the forever imminent death threats.Mary and Shawn fear if they release the truth, they will be killed. Through this fear, Shawn and Mary start to believe their fake stories. Mary believes the girls are doing God’s work, and Shawn starts accepting the harsh reality of being Shawn Devlin. Mary and Shawn predicaments are not predestined; they are, as Devlin says when he first grabs Shawn, â€Å"you were just in the wrong place at the wrong time†. Mary’s â€Å"wrong plac e† starts with her dancing in the woods. Shawn’s begins with taking the shortcut road to a friend’s house.Eventually, Mary gives up and gives in. she succumbs to Abby, becoming the person she never intended. On a brighter note, even though he accepts Shawn Devlin as his new identity, Shawn never gives up hope. Shawn knows his family is still seeking his safe return and makes some efforts to discreetly contact them. On the day the police find Shawn, a huge weight liftes off his shoulders. He says, â€Å"It was a new feeling to say who I really was. † Shawn starts slowly back into his old set of norms.Mary and Shawn lose their personal identities to save themselves, each take a different route in trying to rediscover them. Through further investigation, it is evident that Mary Warren and Shawn Hornbeck encounter the same feelings of terror but are also uniquely different from each other. They fear for their lives as they struggle internally with revealing th e truth or living with the guilt and constant terror behind the lies. Shawn and Mary both encounter numerous times when opportunities to tell the truth stands right in front of them; however, struck by fear they remain silent.Though Mary’s story does not result in a sugar-coated ending, Shawn’s story of torment and terror leads to triumph and a truly heart-warming story. Shawn teaches everyone to never give up hope and that you will always find your way back home, Mary’s story teaches a valuable life lesson to stand up for what you believe in, even if you are standing alone. Though Shawn and Mary encountered horrific events, they are truly two people (fictional or not) who show evident and inspirational life lessons.