Mechanisms of Autoimmunity in Animal Models and Humans

Mechanisms of Autoimmunity in Animal Models and Humans Norzawani Binti Buang Genetic and cellular mechanisms of autoimmunity in animal models and humans

Spas in Roman Times :: essays research papers

What is the â€Å"spa†? The word â€Å"spa† is rooted in the Latin language and means â€Å"salus per aquam.† For those of you who are not very polished on your Latin, that means â€Å"health from water.† â€Å"Spa† is also the name of a small village in Belgium where hot mineral springs were discovered by ancient Romans and used by soldiers to treat aching muscles and wounds from battle. When? It is unclear when the Romans used the first public bath, but during the reign of Caesar Augustus from 27 B.C. to 14 A.D., there were approximately 170 baths throughout Rome.At this time, citizens of Rome began to view baths as a way of providing rest, relaxation, and solace to all people, not just those weary of war. Spa in England In 70 A.D., the Romans built a spa and dedicated it, as a shrine consisting of a reservoir around the hot springs at Bath, in what is now England, a complex series of baths, and a temple, to the honor of the goddess Sulis Minerva. As the Roman Empire grew, so did the number of public baths. By the year 300 A.D., there were over 900 baths throughout the empire. The oldest Roman spa still in existence today is located in Merano, Italy, providing evidence of the idea that the Romans used natural springs in an organized manner to provide treatments. Types of Spa   Ã‚  Ã‚  Ã‚  Ã‚  After exercising, bathers entered the tepidarium, a room where they would prepare for their bath. The first step was to remove the oil from their body. Oil was used as a substitute for soap, which was reserved for only the very wealthy in ancient Rome, then scraped off with an implement known as a strigil, removing dirt and grime with it. Upon completing this step, bathers were ready to enter the caladarium. This room was very hot and filled with steam, created by sunken pools of hot water. Some baths also included a room that was very hot and dry, very much like our modern day saunas, called a laconicum. Visits to the hot rooms were followed by a visit to the frigidarium. As the name implies, this room was cold and served to close pores that were open from sweating in the hot rooms. This room also frequently contained either a small pool of cold water for washing away sweat or a large pool of cold water for swimming.

Role of the Insurance Industry in Economic Development

What Role has the Insurance industry In Economic development? The insurance industry has come a long way from ship owners, merchants and underwriters gathering in Edward Lloyd’s coffee house in London to discuss their marine voyages to new colonies of the British Empire. Over the years, Insurance has become essential in our everyday lives. Something we just can’t live without. Our Economics and Societies are growing phenomenal rates and have become more and more interconnected on the rest of the world, the risks exposed to us become more unpredictable and hazardous.The need to protect against unfortunate events has been around as long as human beings existed. Individuals have always recognised their need to alleviate risks that have the potential to ruin the. At the dawn of modern history, widely dispersed groups of tightly knit hunter-gatherers, relied almost exclusively on clan relatedness as their only bulwark against the ever-present risk of death, debilitating inju ry and starvation.For those early ancestors, the concept of risk always existed, exclusively in terms of the physical persons of individuals, mitigated by the guarantee of personal and kin relationships, rather than objects and possessions. (Buckham et al 2011, pp. 1-9). According to Lopez and Raymond 1967, in antiquity, a sea loan was the first sign of transferring risk. A number of German and Italian jurists have regarded it as something close to insurance. It involved a ship owner promising to transport goods belonging to a merchant and at the same time providing a loan, somewhat of a guarantee.If the ship and the goods arrived safely to its intended destination, the merchant returned the loan but if they didn’t arrive safely, the loan was not returned. From its origins in ancient times, the insurance industry has evolved into an essential service in our society and a â€Å"key component for economic development† (Liedtke 2007). Our lives are progressing rapidly, th ere is a significant increase in the general population, technology and science is continuously maturing and the world is becoming smaller.The insurance industry is now faced with challenging obstacles through â€Å"the liberalisation of insurance and capital markets, changing demographics, volatile stock markets, the shifting of climate patterns and the rising numbers of natural and manmade disasters and subsequent losses† (Ayadi and O’Brien 2006). â€Å"The global risk landscape is growing and the size of potential losses is continuously increasing† (Coomber 2006). Society has progressed significantly from ancient times and our need of insurance has drastically transformed accordingly.The increasing sense of ambiguity and uncertainty in our lives regarding our future economic prosperity and the devastating impact of catastrophic events has certainly reinforced the need for insurance to shield us against new and emerging risks. This paper asks the imperative qu estion: What role has the insurance industry in our economy development? The Importance of the insurance industry for an economy can only in part be measured by the sheer size of its business, the number of its employees in a given country, the assets under management, or its contribution to the national GDP.But insurance is not just about employment and the financial compensation of Victims. It actually plays a more fundamental role in the workings of a modern society, it creates huge capital assets. Due to the nature of insurance contracts which usually involve long time periods, money coming from insurance, usually stays in the financial market of a given economy for quite some time. It is not a fickle investment capital that rushes around looking for quick gains, it is oriented toward the medium to long term. It creates a stable environment by allocating assets according to market forces where needed (Liedtke 2007).There are six main areas where the insurance industry fosters ec onomic growth. I will now go into detail on these six areas (CEA 2011). Private insurance improves firm’s financial soundness: Insurance allows firms to expand and take on economic risk without the need to set aside capital. If a firm did not have adequate business insurance cover this could be harmful particularly for small firms. Small firms have limited capital and have difficulty in accessing financial markets which make them particularly vulnerable to adverse events.Without insurance large contingency funds would have to be in place to protect firms against risk. For most small firms this would represent more capital than they presently employ which would not be viable for most small firms and this would lead to a reduction the population of firms. Fostering entrepreneurial attitudes, encouraging investment, innovation, market dynamism, and competition: To be innovative you have to take risks. Since entrepreneurs just like ordinary people are characterised by risk aversi on, the willingness to take risks can be considered a scarce resource (Kugler and Ofoghi 2005).More will be produced if greater risk is taking. Well developed insurance markets contribute to the development of an economy by helping to optimise the allocation of the scarce resource of ‘risk taking’ by moving it from a conservative to an innovative and high profits activities. On the other hand uninsured firms are very conservative and generally do not exploit new business opportunities and invest less in innovation and their degree in the global markets is low. Offering social protection alongside the state, releasing pressure on public sector:In all industrialised countries a major problem is not too far down the line. Due to improvements in healthcare and quality of life population’s structures in industrialised countries are changing where people are living a lot longer and at the same time the birth rate has also decreased. People are also expecting to receive a high level of healthcare, pensions, unemployment allowance and other social benefits. This raises great concern as public expenditure will be put under huge pressure and will lead to significant decreases in economic growth.The role of the insurance industry is vital to provide an additional pillar alongside the protection supplied by the state. Insurance products like payment protection insurance play a vital role in protecting household in times of unemployment in an economic downturn. Many industrialised countries such as the United Kingdom provide free healthcare to its citizens. In the future what we are going to see is the health system in these countries being privatised and individuals buying private health insurance. Currently 47% of the Irish population have health insurance (Nolan 2006).Similar systems will have to be introduced to the pension systems. These measures will help reduce government expenditure on these areas and in the long run help with the development of the economy in the countries. Enhancing financial intermediation, creating liquidity and mobilizing savings: Insurers are massive institutional investors in the economy with over 11% of worldwide assets in 2007 (Munich RE 2007). They therefore see benefit in the development of a modern , competitive financial market that facilities firms access to capital and offers a wide range of investment opportunities.In this respect insurance companies look favourably upon initiatives taken by governments to ensure shareholder rights and to maintain high standards of corporate governance. Promoting sensible risk management by firms and households, contributing to sustainable and responsible development: Insurers risk assessment is reflected through in price and policy conditions. In this way they offer firms and households an indicator of their level of risk. Firms and households in can take action to reduce the risk by engaging in risk management.Risk management is the process of gauging or accessing risk and developing strategies to manage it (Squiddo 2012). Therefore by means of risk pricing insurance encourages sensible risk management. Both the client and the insurer benefits from sensible risk management as the client’s premiums are reduced and the chances of the insurance company having a claim are also reduced. This process influences investment decisions and thus contributes to the development of the economy. Fosters stable consumption throughout life: Consumption is the main driver of economic growth as its accounts for over 80% of GDP.By having insurance it offers lifelong financial protection and allows stable consumption throughout an individual’s life. * Insurance for house and other damages allow individuals to secure assets in case of an adverse event. * Liability insurance covers household for damages that might occur to other people. * Life insurance protects relatives in the event of a death and also provides financial support in retirem ent. * Health and accident insurance provides cover when it is needed most. * Credit insurance eases consumption but does protect against excessive debt through pricing and acceptation policies.Another new phenomenon in the insurance industry is Micro insurance. It aims to alleviate poverty, distribute products in new ways and create sustainable financial growth for individuals, families and small scale businesses in underdeveloped countries. The need to provide insurance products is vital if their economies are to develop. People in underdeveloped countries are most at risk to adverse events and they have a significant negative impact on their lives. When a hurricane, flood or other adverse events occur and their homes are destroyed or their livestock is wiped out, these people have no financial compensation.These communities have to start from scratch. Insurance companies recognise that the poor require a range of insurance products that meet their needs. Zurich was an early mover in micro insurance, when it started its first micro insurance programme in Bolivia in 1999. It hasn’t been an easy move due to a lack of trust and confidence by people in underdeveloped countries but if these problems can be resolved there is huge potential for growth in the market and also for a dramatic improvement in economic development in these countries (Pope 2011).Conclusion: When we think of economic development, most attention is devoted to the relationship between the financial markets and economic development with insurance only receiving a passing mention. However in recent times there have been several interesting lines of research into the role the insurance industry plays in economics development. I have shown in this paper how the insurance sector plays a fundamental role in the development of our economy and without insurance we would live in a world that would be less economically developed and much less stable.Insurance supports research and development, i nnovation and new technologies, it supports economic stability and sustainable growth and also supports the sustainable use of resources and helps modernise social protections systems. The evidence suggests that there is substantial potential for the insurance industry to make a greater contribution to economic growth especially in lower and middle income countries. Currently insurance lags behind financial services in the extent of globalisation, but if we can continue to expand the insurance industry we will see substantial growth opportunities.Bibliography Ayadi, R. and O’Brien, C. (2006) â€Å"The future of insurance regulation and supervision in the EU: New developments, new challenges† Buckham, D. , Wahl, J. and Rose, S. (2011) Executive’s Guide to Solvency II, United States of America: The Wiley and SAS Business Series. Coomber, J. R. (2006) â€Å"Natural and Large Catastrophes– Changing Risk Characteristics and Challenges for the Insurance Indust ry†, The Geneva Papers, 2006, 31, (88-95) Kugler, M. and Ofoghi, R. (2005) Does insurance promote economic growth? Evidence from the U. K. University of Southampton Paper, July 2005. Liedkte, P. M. (2007) â€Å"What’s Insurance to a Modern Economy†, The Geneva Papers, 32, (211-221) Lopez, R. S. and Raymond, I. W. (1967) Medieval Trade in the Mediterranean World: Illustrative documents translated with Introductions and Notes, New York: WW Norton & Company Inc. Nolan, B. (2006) â€Å"The Interaction of the Public and Private Health Insurance: Ireland as a Case Study†, The Geneva Papers, 31 (663-649) CEA (2011) â€Å"Better off in Europe: How the EU’s single market benefits you†, available: http://ec. uropa. eu/publications/booklets/move/56/en. pdf Munich RE(2007)â€Å"The fundamental role of insurance†, available: http://www. genevaassociation. org/Portals/0/COP15_Munich_Re_presentation. pdf [accessed 25 October 2012] Pope, C. (2011) â€Å"Do we really need Private Health Insurance†, The Irish Times, 24 Jan, available: http://www. irishtimes. com/newspaper/pricewatch/2011/0124/1224288161882. html Squiddo (2012) â€Å" Principles of risk management†, available : http://www. squidoo. com/the-principles-of-risk-management [accessed 26 October 2012]

Layers of the Atmosphere

Earth is surrounded by its atmosphere, which is the body of air or gases that protects the planet and enables life. Most of our atmosphere is located close to Earths surface, where it is most dense. It has five distinct layers. Lets look at each, from closest to farthest from the Earth. Troposphere The layer of the atmosphere closest to the Earth is the troposphere. It begins at the surface of the Earth and extends out to about 4 to 12 miles (6 to 20 km). This layer is known as the lower atmosphere. Its where weather happens and contains the air humans breathe.  The air of our planet is 79 percent nitrogen and just under 21 percent oxygen; the small amount remaining is composed of carbon dioxide and other gases. The temperature of the troposphere decreases with height. Stratosphere Above the troposphere is the stratosphere, which extends to about 31 miles (50 km) above the Earths surface. This layer is where the ozone layer exists and scientists send weather balloons. Jets fly in the lower stratosphere to avoid turbulence in the troposphere. Temperature rises within the stratosphere but still remains well below freezing. Mesosphere From about 31 to 53 miles (50 to 85 km)  above the surface of the Earth lies the mesosphere, where the air is especially thin and molecules are great distances apart. Temperatures in the mesosphere reach a low of -130 degrees Fahrenheit (-90 C). This layer is difficult to study directly; weather balloons cant reach it, and weather satellites orbit above it. The stratosphere and the mesosphere are known as the middle atmospheres. Thermosphere The thermosphere rises several hundred miles above the  Earths surface, from 56 miles (90 km) up to between 311 and 621 miles (500–1,000 km). Temperature is very much  affected by the sun here; it can be 360 degrees Fahrenheit hotter (500 C) during the day than at night. Temperature increases with height and can rise to as high as 3,600 degrees Fahrenheit (2000 C). Nonetheless, the air would feel cold because the hot molecules are so far apart. This layer is known as the upper atmosphere, and it is where the auroras occur (northern and southern lights). Exosphere Extending from the top of the thermosphere to 6,200 miles (10,000 km) above Earth is the exosphere, where weather satellites are. This layer has very few atmospheric molecules, which can escape into space. Some scientists disagree that the exosphere is a part of the atmosphere and instead classify it actually as a part of outer space. There is no clear upper boundary, as in other layers. Pauses Between each layer of the atmosphere is a boundary. Above the troposphere is the tropopause, above the stratosphere is the stratopause, above the mesosphere is the mesopause, and above the thermosphere is the thermopause. At these pauses, maximum change between the spheres occur. Ionosphere The ionosphere isnt actually a layer of the atmosphere but regions in the layers where there are ionized particles (electrically charged ions and free electrons), especially located in the mesosphere and thermosphere. The altitude of the ionospheres layers changes during the day and from one season to another.