Occupational Folklife Assignment Example | Topics and Well Written Essays - 750 words

Word related Folklife - Assignment Example Participating in this action helps us to bond out of the homeroom and grow inviting connections on and off the field as well. This causes us to meet up as a gathering and distinguish as one. The qualities and aptitudes worried during the soccer coordinate are those of collaboration, difficult work, duty, and commitment. Every individual from the rival group gets expected to comprehend the idea of collaboration and how it is essential in helping their group to win and play incredibly. Cooperation in soccer is shown by passing the ball to your partners and furthermore through assaulting or shielding against the rival group as a unit. Every part additionally needs to show devotion and duty by making time to take an interest in this movement after class and gathering work. As individuals from the gathering study, we urge each other to appear for matches and consistently give our whole exertion when playing for our groups. Individuals urge each other to commit some portion of their additional time towards playing soccer together. Soccer is a truly requesting game and requires difficult work to keep up physical wellness and shape. As a gathering, we embrace warm-ups and some p hysical activities together before playing. By working out, individuals get the opportunity to guarantee their degrees of physical wellness are admirable and in this manner don't strain genuinely during the match. Through playing soccer as a casual movement, the individual status or positions inside the gathering become overlooked until the match is finished. The movement causes the gathering to bond and identify with one another as colleagues and companions on an easygoing premise. Soccer helps the gathering individuals to identify with one another on an inviting level where we share a joke about one another or let free of the reality that originates from knowing each other on our scholastic levels. Gathering individuals wouldn't fret about their scholastic performances’ while on the field playing, yet rather become concentrated on helping their groups to win.â

Early Childhood Development and Disability free essay sample

Investigating reasons why advancement may not follow the normal example, I can feature that passionate impact can influence expected example of improvement significally. A youngster, who isn't settled in and doesn’t manufactured relationship with the grown-ups is bound to have low confidence and is less inclined to attempt new exercises that will profit the formative progress.Another reason I can contrast, it is children’s incapacities and conditions. They can impact improvement in an alternate manner and will effect on fluctuating degrees on their learning and advancement. For instance, a few kids may have correspondence and connection as a region of need, since they are not completely hearing. Hearing misfortune can influence a child’s happiness regarding movement and capacity to play with other kids. Physical reasons are likewise significant. On the off chance that a youngster has deferrals or troubles with their development, their physical advancement can be affected.External impact can impact in transit how a kid creates. We will compose a custom paper test on Youth Development and Disability or on the other hand any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page For instance, single guardians might not have time and vitality to connect with and challenge their kids to attempt new things. Or on the other hand, on account of destitution, guardians can't give chances to kids to go on music or ballet.Different societies hold assortment of convictions about how youngsters ought to be raised. For example, a few kids in numerous societies are dealt with contrastingly due to their sex. Young ladies are not offered chances to go to schools or they are taken from school at specific age.Family way of life and structure impact children’s improvement too. Self-teaching kids don’t have numerous open doors for social association with youngsters their own age, which could bring about social delay.Every kid, going to early years setting, will be appointed with a key specialist who is watching child’s advancement, perceive child’s progress, comprehend their requirements and interests, plan exercises and backing. This perception and appraisal can features where there might be troubles or postponements with specific territories of improvement. At the point when delay in child’s improvement is suspected, it is fundamental to distinguish fitting help needs right on time to decrease the effect that the deferral may have on the kid. Great early intercession can change a child’s advancement direction and improve results for youngsters. Early mediation backing and assets augment the child’s capacities.

There is Nothing Inevitable About Democracy An Interview with Marilynne Robinson

There is Nothing Inevitable About Democracy An Interview with Marilynne Robinson I spoke to one of Book Riots perennial favorite authors, Marilynne Robinson, about some of the subjects she touches upon in her new  book,  The Givenness of Things.  In this thoughtful collection of essays Robinson explores such topics as fear, cultural pessimism, gun violence, and the place of the arts alongside science. The collection is thought-provoking, important, and imbued throughout with her characteristic grace and humanity. Robinson was recently  listed in Time Magazines list of 100 Most Influential People as an Icon, which certainly befits her. We hear a lot of worried hand-wringing about the state of literature and the state of reading in America. What do you think? At Book Riot we are surrounded constantly by excited readers. In June you will be speaking at the Printers Row Lit Fest in Chicago which will attract over 150,000 book lovers. Are you optimistic about readers and reading in our country today? Americans are always saying things about Americansâ€"they’re fat or intellectually lazy or materialistic or whatever. One of my regrets in life is that I ever paid attention to any of this. There are more than 300 million of us, after all, and as heterogeneous a population as has ever existed anywhere. I think this should discourage generalization in any case, and especially the kind of generalization that tends to be ungenerous and incurious. We have an enormous outpouring of books every year, and I think I am not cynical in pointing out that this would not be the case if no one bought them. Writers in other countries dream of being published in this country because the readership is potentially so very large. And books written by Americans are held in high regard in every part of the world I know of. I think a case could be made that our contemporary literature is extraordinarily strong, and that this is true in part because it has a vigorous readership. I know that reviews and o ther attention have been cut in recent years, a predictable attempt to get ahead of the curve of decline. But the phenomenon flourishes none the less. When you sit down to write, who are you writing for? I’m trying to be faithful to what I experience as the voice of the novel. I suppose I could say that the novel itself is my first reader. As a reader, I am thrilled that you continue to return to the town of Gilead, Iowa. What draws you back there? How do you know when a project or piece is done? I have always been drawn to places that were my own, in the sense that I know them better or otherwise than anyone else doesâ€"they allow me to step outside conventional representations of them. I mentioned in the first answer that Americans tend to speak very dismissively of Americans. I know that a town, a household, even a mind, is always ample space for the unfolding of all the great questions. Gilead has been very adequate to my purposes. The work tells me when it is done, often sooner than I would wish. In your books you write about a Christian faith that is so full of grace and beauty. How do you reconcile this with the version of Christianity that is co-opted by modern politicians as a justification for intolerance and bigotry? I am filled withâ€"there are words I forbid myself, like contempt and disgust, which I would otherwise find useful here. I loved your new essay collection The Givenness of Things. In one essay in particular, you write about the role of fear in American politics. Do you think that a sector of Americans are voting for candidates like Donald Trump because they exploit this fear? Fear is a form of excitement, as the NRA, the horror movie industry and talk radio are well aware. It has been heavily marketed by Fox News. It disheartens me that so many people seem to have taken it on as a hobby or an addiction. There is a loss of personal dignity involved in this. Why do Americans want to cower and fret when they are as safe, except from their own guns, as any mortal population that has ever lived? Yes, mortal. We all face an ultimate peril, like everyone who has ever lived. But the fact is that this country is unimaginably powerful, in part because of its stability.   Divisiveness is in fact dangerous. Encouraging hostility toward our own government or parts of our population, for the fun or the money involved, is deeply irresponsible. In your recent conversation with President Obama, you said that democracy in the United States used to be viewed as an achievement. I am 24 years old and that puts me in an age bracket with notoriously low voter turnout â€" do you think this speaks to your worry about us taking democracy for granted? Have we forgotten how much of a privilege it is to participate in a democracy? Is there an antidote to this? I think we have not educated ourselves very well about the origins of our democracy, over against the other kinds of government that had prevailed time out of mind and are still predominant in much of the world. The two crucial elements of democracy are self respect and mutual respect, and we should do all we can to encourage these in ourselves. It is true that we have fallen grievously short in this regard, and it is also true that when they assert themselves, notably in the Civil Rights movement, they have a grand authority. There is nothing inevitable about democracy. The difficulty of the attempt and the fragility of the result have been demonstrated in many places. Antagonism within populations are the great problem. We should be very serious about discouraging them here. So yes, it is a privilegeâ€"and we need to be sure everyone feels it as a privilege. As for the antidoteâ€"I am glad Hillary Clinton came through the primaries, and I think we should all be grateful to Senator Sanders for showing how much life and possibility there is in a system we are too ready to see as “rigged.” I borrow his languageâ€"I think he is a great refutation of its appropriateness. Another essay in the new book, “Humanism,” was particularly striking to me. You speak of neuroscience as being in many ways opposed to the humanities. A geologist studying the chemical makeup of rocks doesn’t negate the beauty of the mountains what is different about scientists studying the brain? My criticism is not of the study of the brainâ€"I am always in favor of studying anything. It is the extrapolations made from their observations I object to. Those I criticize fall back on the language and the conclusions of antique positivism, on the basis, usually, of heightened blood flow to some region of the brain, which is, considering the complexity of the brain, hardly to be called information. You speak often about the value of studying history. What do you think of the phenomenon that has been Hamilton? Have you seen it? Are there any under-appreciated historical figures that you wish would be brought to the foreground? I haven’t seen Hamilton, but I love all that it implies about the vitality of history. There are so many fine and moving souls in history I could never make a meaningful list. It would probably begin in the 14th century. And speaking of pop culture do you like Beyonce? I’m sure I would, if I knew who she is. Sign up for True Story to receive nonfiction news, new releases, and must-read forthcoming titles.

The Dangers Of Global Warming - 914 Words

These days, dangers of global warming, pollution, and landfills are well documented, but not a lot is being done to stop these issues. Problems such as resource depletion, global warming, pollution, extinction, toxic waste in rivers (like the BP Oil Spill in the Gulf Coast), and fracking all pose serious threats to our environment. However, no sure-fire solutions have been introduced to society, so these problems seem only to get worse as time goes on. Serious consequences such as health issues, threats to biodiversity, rising water levels, and depletion of natural resources are the outcomes of mishaps of consumers. We know these issues are bad, but why is it so difficult to take action against them? Well, people look at the world with a short time horizon. Many people view profits versus well being of the planet only with a short-term perspective, not worrying about the future of the earth after they are gone. It seems that there are many reasons leading to the inaction in our socie ty, but a significant issue is collective action failure, otherwise known as â€Å"tragedy of the commons.† It is a complex system, mostly filled with misunderstandings that must change on a social level. Collective action failure is an example of market failure. A collective action failure is an idea significant of exhausting resources through overuse. For example, with the issue of recycling, people view it as a good thing because it can help conserve resources. However, people also see recycling asShow MoreRelatedThe Dangers Of Global Warming1801 Words   |  8 PagesROBERT MORRIS UNIVERSITY Global Warming Professor Sadler Brandon Dinh 3/6/2015 â€Æ' There is one main problem every human is facing today. The worst part is, the humans are the ones causing the problem. Global warming is a main concern that is affecting both humans and animals today, and is a cause for concern for the safety of the futures generations. Global warming is considered to be the gradual increase in temperature of the Earth’s atmosphere. There have been examples of the negativeRead MorePros and Cons of Global Warming Essay838 Words   |  4 Pageswe stop Global warming? The world is changing because of Global warming. People living on earth are responsible for global warming. Global Warming is a big change in climate caused by Pollution (Global Warming). To stop global warming we should stop polluting the air and water also growing trees is a very good way to stop global warming because global warming changes the temperature however, trees can balance the temperature by keeping the temperature cold. We must stop Global warming because globalRead MoreThe Everglades And Global Warming1745 Words   |  7 PagesThe Everglades and Global warming Richard Hamilton BSC2010 Broward College The Everglades and Global warming Introduction The Everglades mainly found in the United States of America (USA) is a 2 million acre of wetland ecosystem that stretches from the Central of Florida near to Orlando to the Bay of Florida in the south. During rainy seasons, Lake Okeechobee experience upsurge in water volumes causing it to discharge the waters into the â€Å"river of grass† that characterize with shallowRead More Global Warming Essay508 Words   |  3 PagesGlobal Warming   Ã‚  Ã‚  Ã‚  Ã‚  In the February 1st edition of the New York Times, journalist Andrew C. Revkin discusses the rising threat of global warming, and more importantly, the disagreement between various nations and institutions upon the definition of â€Å"dangerously high global warming.† Revkin’s article, titled â€Å"Deciding How Much Global Warming Is Too Much,† brings to light the various failed attempts at creating a barrier at which industrialized countries (the main producers of the greenhouse gassesRead MoreGlobal Warming : Causes And Impacts1716 Words   |  7 PagesGlobal Warming Global warming is the ever growing tension and a controversial issue that is debated widely for the past few years. There are many critics and disbelievers still present in the politics and science field , who do not think that this issue is increasing at such a large scale. It may be due to the lack of evidences in this field, that resulted into this thought that it is the natural process that is evolving on this planet in cycles. In this present era the existence of global warmingRead MoreGlobal Warming And Its Effects1397 Words   |  6 PagesGlobal Warming human caused Intro- Imagine a life where polar bears in the Artic are extinct. Cities along the coast no longer exist from the ocean rising and covering it. Heat waves and floods are much more common. All of these things are predicted to happen in the future due to global warming. Whether humans cause global warming or if it is natural has been at debate for a long time. Background- Many people might ask what is global warming exactly. In the article â€Å"What is Global Warming†Read More Global Warming Essay1090 Words   |  5 PagesGlobal Warming   Ã‚  Ã‚  Ã‚  Ã‚  We should all be very concerned about our future on Earth as human beings. We may not be at such an immediate risk of burning to death, but our future descendants are. Every year, the overall temperature has gone up slowly. Eventually Earth will be too hot to live on, and the human race will become extinct! The best way to save our future is to start now. Americans should be conscientious of global warming and should watch their CO2 emissions because increasing CO2 concentrationsRead MoreGlobal Warming: The Greenhouse Effect and Our Response Essay example501 Words   |  3 PagesGlobal warming (the greenhouse effect) is the increase in the temperature of Earths weather which has become popular to many people as one of the most important danger in the universe. Discussions about causes, solutions, postive and negative effects have made by human-beings. One of the first subject people learned is that there are several causes of global warming. However, one of the most effective reason is Carbondioxide gas which most come from the combustion of fossil fuels and forestsRead MoreGlobal Warming Essay1570 Words   |  7 Pages Global warming extremists want us to believe that as global temperatures rise, so do chances of complete extinction of entire species. Natural disasters will become more common, whole continents could one day be under water, and death rates could be at an all time high. This may seem like a bad science fiction novel, but in some ways they might actually be right. At the very least global warming can and will effect humans living in nearly every region. From those living on the coast, to those livingRead MoreEssay on The Effects of Global Warming656 Words   |  3 PagesGlobal Warming is a condition caused by greenhouse gases and human activities. The increased concentration of greenhouse gases due to activities such as deforestation and fossil fuel burning is causing the Earth’s atmosphere and oceans to warm up. As a result of this, global warming has some serious effects in the shape of extreme weather, species extinctions, and rising sea levels. These effects can contribute to the changes that are taking place all over the world, most of which are dangerous enough

Theme of Tradition in The Lottery by Shirley Jackson Essay

The Lottery by Shirley Jackson Americans day after day live much of their lives following time-honored traditions that are passed down from one generation to another. From simple everyday cooking and raising children, to holidays and other family rituals, tradition plays a significant role on how they go by there everyday lives. In Shirley Jacksons short story, The Lottery, the citizens of a small farming town follow one such tradition. A point is made regarding human nature in relation to tradition. The story begins on a beautiful summer afternoon. The towns citizens are eager, gathering in the town square in order to take part in the yearly lottery. With the story focused around one particular family, the Hutchinsons, who†¦show more content†¦A symbol of the lotterys ongoing legacy, the same box has been used for years. It was believed to be made from scraps of the original black box which fell apart through the course of its use. When the citizens are brought the idea that the box should be ch anged, the whole thing was let to pass. Mr. Summers, the towns lottery official, spoke frequently about making a new box, but no one liked to upset even as much as tradition as was represented by the black box. (Jackson 422) This illustrates the people are blind to the idea of even tampering with their sacred box. They have grown with the tradition and find discomfort in the idea of change. Every year, after the lottery, Mr. Summers began talking about a new box, but every year the subject was allowed to fade off without anythings being done. (Jackson 422) With the keyword allowed, it illustrates the peoples reaction by ignorance. Every year the suggestion is made, and every year the suggestion is purposely disregarded for the sake that their tradition be unchanged. There is a sense that should the box be changed, so should the lottery and its purpose. Some places already quit lotteries, Mrs. Adams said. Nothing but trouble in that, Old Man Warner said stoutly, Pack of youn g fools. (Jackson 425) This illustrates the beliefs of a majority. Old Man Warner being the oldest man in the town was looked uponShow MoreRelatedAnalysis of The Lottery by Shirley Jackson993 Words   |  4 PagesSpanish author, When we blindly adopt a religion, a political system, a literary dogma, we become automatons. We cease to grow. Shirley Jackson was born in 1919 in San Francisco, California to Leslie and Geraldine Jackson. She is most well known for her short story titled â€Å"The Lottery† which was first published in The New Yorker to overwhelming and mixed reviews. The lottery, as portrayed in the short story, is a religious, annual ceremony in the afternoon of June 27. This event is said to be olderRead MoreLiterary Elements in The Lottery, by Shirley Jackson1334 Words   |  6 Pagesthink it was innocent because of how they blindly followed a tradition? The short story, â€Å"The Lottery,† by Shirley Jackson communicates this theme by showing how the villagers participate in a lottery every year. In life, there are people who follow tradition because the have to, or they are used to following without question. The author, Shirley Jackson was born on December 14, 1916 in San Francisco, California. In 1937, Shirley Jackson attended Syracuse University where she began to write shortRead MoreLiterary Analysis Of The Lottery By Shirley Jackson910 Words   |  4 PagesLiterary Analysis of the Short Story â€Å"The Lottery† by Shirley Jackson Shirley Jackson explores the subject of tradition in her short story â€Å"The Lottery†. A short story is normally evaluated based on its ability to provide a satisfying and complete presentation of its characters and themes. Shirley describes a small village that engages in an annual tradition known as â€Å"the lottery†. Narrating the story from a third person point of view, Shirley uses symbolism, foreshadowing and suspense to illustrateRead MoreIgnornance of Tradition in The Lottery, by Shirley Jackson1014 Words   |  5 Pages Tradition, defined as the handing down of information, beliefs, and customs by word of mouth or by example from one generation to another without written instruction. (Tradition) Tradition is a core trait of humanity, from the time before recorded history to present, humanity has followed traditions or customs that have been passed down from generation to generation. More often than not communities all over the world blindly f ollow these practices with little regard to who startedRead MoreThe Lottery Literary Analysis1538 Words   |  7 Pageswarmth of a full-summer day; the flowers were blossoming profusely and the grass was richly green† (Jackson). In this first sentence of the The Lottery Shirley Jackson establishes a pleasant illusion, creating a sense of serenity. Jackson proceeds to mention that children begin to gather in the village, frolicing and conversing about school. The initial scene and satirically labeled title, The Lottery, provide a somewhat satisfying first impression to the reader. The introductory scene is eminent toRead MoreThe Unexpected Surprise of Violence1009 Words   |  5 Pagesvalued once risks are taken, but the outcome is never expected. Shirley Jackson, reader of witchcraft books, horrifies people with her perspective on the understanding of merciless rituals that kept communities at ease. Shirley Jackson develops her theme of unexpected violence in her short sto ry â€Å"The Lottery† through the use of irony, symbolism, and denouement. On a summer day in a small town in the short story, â€Å"The Lottery†, Jackson takes advantage of the peaceful environment and adds a convolutedRead MoreThe Lottery by Shirley Jackson Essay1410 Words   |  6 Pages â€Å"The lottery† ENGL 202: Literature and Composition Spring 2013 Turbian Style Thesis: Death is the main theme of both short stories and both authors portrayed this dark and dreary idea as a game the characters are playing. Outline: â€Å"The Lottery† by Shirley Jackson vs. â€Å"The Most Dangerous Game† by Richard Connell I. Introduction: a. Traditional acts and survival instincts is the key to win or lose the game of death b. Will one allow society or your own reasoning decided if oneRead MoreThe Lottery By Shirley Jackson873 Words   |  4 Pagesâ€Å"The Lottery† â€Å"The Lottery† was written in 1948 by Shirley Jackson. Mrs. Jackson, born in 1916, was known for her tales of horror and supernatural novels. She and her literary critic husband, Stanley Edgar Hyman lived in a little town called Bennington, Vermont. Mrs. Jackson was not accepted by the town. Her novels, especially â€Å"The Lottery†, revealed the dark side of human nature. Stephen King honored Shirley Jackson by dedicating his book Firestarter to her. â€Å"The Lottery† takes place on JuneRead MoreCompare And Contrast The Lottery By Shirley Jackson1012 Words   |  5 Pages Fiction Essay Young Goodman Brown vs. The Lottery Authors: Nathaniel Hawthrone and Shirley Jackson ENGL 102 Spring Zuidema October 16, 2017 Page Break Nyasia Midgette ENGL 102 October 9, 2017 Thesis Statement: The Lottery by Shirley Jackson and Young Goodman Brown by Nathaniel Hawthrone stories, Shirley Jackson encourages her readers to question their beliefs, actions, and the world by creating struggle. PageRead MoreSummary On The Allegory Of Shirley Jacksons The Lottery871 Words   |  4 Pages Shirley Jackson’s story â€Å"The Lottery† serves as an allegory regarding humankinds inherent to be cruel and society’s ability to inure to violence. The author’s use of a third-person dramatic narrative combined with strong themes, symbols and irony clearly supports the lesson Jackson was trying to portray. Jackson’s short story shows how easy it is to be hostile when a group of villagers with a herd mentality blindly follow an outdated tradition and that evil knows no boundaries. Jackson

Universal Grammar Free Essays

Modern universal grammar is a result of the advancement of evolutionary psychology as portrayed by Charles Darwin’s evolutionary theories. Darwin believed that evolutionary psychology gave the human race it’s â€Å"first systematic way of understanding ourselves†. Grammar, while varying by language, is understood to be a systematic and proper for humans to communicate with each other and its use a result of natural selection given the youtube video, â€Å"Charles Darwin’s Legacy†. We will write a custom essay sample on Universal Grammar or any similar topic only for you Order Now In â€Å"Charles Darwin’s Legacy† Richard Levins, a professor at the Harvard School of Public Health, stated that, â€Å"there has always been a tradition which tended to look for a place for everything and everything in it’s place†. Grammar fits this description as a human tradition which has evolved based on the language and preference of the elite. For example, 19th century aristocrats utilized far more advanced grammar than the working class of the same era whom most likely used little to no grammar structure whatsoever. Before the separation of human beings by social and economic status, the only thing people needed to communicate with one another were words. Over the centuries communication in itself has become a dull trait. One can not simply communicate, but must have the skill of communication. This is the foundation of how universal grammar was developed. In addition, Darwin was a firm believer of the eugenics movements and as such believed that â€Å"important people bred important people. The logic behind this statement makes sense when related to language considering that one’s offspring would most likely speak the language of their parents. As such, if the elite were to develop a systematic form of written language, such as grammar, then their offspring would not only continue the usage of said grammar, but develop and add on to the established. In time grammar will continue to evolve and it’s development will alter by each generation. How to cite Universal Grammar, Essay examples

Anti-Money Laundering Mantas Solutions Essay Example

Anti-Money Laundering Mantas Solutions Paper As an overview, Mantas began as a business unit focusing on meeting the demands Of an ever-changing global financial services industry. In the mid-sass, the Mantas team began work as a business unit of SARA International, Inc. Focusing from the start on meeting the needs of the global financial services industry the first Mantas products addressed trading compliance and best execution for the National Association of Securities Dealers(NASA) and Merrill Lynch. Today, both systems remain in operation with the NASA Advanced Detection System monitoring every trade that goes through the NASDAQ and Merrill Lunchs BEAMS helping that fire-l lead the industry in Best Execution evaluation. Recognizing the value this technology could provide, SARA International in readership with Safeguard Scientific, Inc. , a developer and operator of emerging infrastructure technology companies, spun-off Mantas, Inc. , in May 2001. In October 2003, Safeguard Scientific, Inc. NYSE: SAFE) made an additional investment in Mantas. This investment was directed towards continued global expansion and product advancement. Today, Mantas provides more than five thousand professionals in financial institutions worldwide with analytic applications that concentrate on risk management, performance management, fraud detection and operational analysis needs to improve business. The company primarily focuses on enterprise-wide anti-money laundering, surveillance and trading compl iance software. We will write a custom essay sample on Anti-Money Laundering Mantas Solutions specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Anti-Money Laundering Mantas Solutions specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Anti-Money Laundering Mantas Solutions specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Some Of the companies that Mantas provides its services to include: BAN Omar, Barclay Capital, Charles Schwab, Citibank and Merrill Lynch. These companies receive solutions that address their risk management, performance management, fraud detection and operational analysis needs. Mantas, Inc. Is a global software company that has developed a behavior detection technology that allows businesses to identify undiscovered risk and opportunity. They recently were honored in 2003 from Waters Magazine, for their Behavior Detection Platform, receiving the Best Compliance Solution award. The company has also been ranked as a leading compliance vendor in reports from Trouper, Client Communications and Butler Group. The Mantas steward programs acts as a starting point to improve business applications, It provides reliable protection in different areas such as: changes in regulatory culture, loss prevention applications that can expose unseen risks and losses, revenue generation applications th at identify opportunities for institutions to increase revenues, improving customer attestation and reducing cost of sale. Room their website the services that Mantas provides include: Regulatory Compliance: Mantas Anti-Money Laundering Mantas Trading Compliance Mantas Broker Compliance Mantas Mutual Fund Compliance Mantas Advance Mantas Select Loss Prevention: Mantas Fraud Detection Mantas Operational Risk Analysis Revenue Generation: Mantas Client Assurance The behavior detection technology that Mantas provides to its different financial institutional clients is one of the industrys most complete solutions for avoiding risk, surpassing regulatory requirements, and enhances client relationships. The software is able to analyze the different behaviors of the people within a corporation. It starts with the customer, moving onto the employees and then finally to the corresponding partners in every transaction that takes place. It is able to do this without time constraints, letting its customers see the different trends and patterns for the past, present, and future. Being able to do this allows people using Mantas to analyze and sort through different decisions with accuracy and confidence. Mantas allows its customers to fully understand their business increasing their ability to decide between Which risks ND opportunities they are willing to take. By making their product user friendly and the results easy to understand, Mantas has become one Of the industrys leaders for compliance regulations and analytical data distribution. The amount of information that Mantas can handle is superb. For just one independent client they are able to process over one hundred billion fields of data on any given day. In addition to their user friendly benefits, Mantas Scenarios are already coded, tested, and ready to use, enabling customers to realize benefits much sooner than with other, more time-consuming alternatives. There is no learning take, or fuzzy-adaptive-black box scheme to run. We code it in right from the start because we understand the business and the business user. Mantas gives financial institutions and communications seer. ice providers the ability to monitor and analyze customer, performance and transaction information across the entire organization for a complete and accurate picture of behaviors of interest. As result, its now possible to detect suspect behavior early enough to mitigate risk, report and prioritize findings without manual intervention, comply with changing regulations, increase revenue by improving operations, and identifying up-sell and cross-sell opportunities. Using advanced knowledge and technology developed together with banking and brokerage experts, the services Mantas provides can collect and analyze transaction data, while then sorting through what is relevant and the information that is going to need a course of action. This information allows their clients to be able to confidently assess what different areas throughout the entire organization are in need of improvement. Whether it is detecting suspicious behavior as in the forms Of money laundering, which this paper will further explore, or if is analyzing the different trends n the market, Mantas is able to report and prioritize its finding Without any manual intervention. The Mantas technology platform utilizes multi-strategy data mining algorithms that detect patterns. It is a Web-enabled, end-to-end solution that includes data preparation and transformation; data mining and pattern analysis; pattern detection and alert management; proven scalability; open architecture; and integration with ALARM and workflow tools. For brokerage firms: Mantas provides products addressing best execution, equities trading compliance, SEC disclosure, and anti-money laundering and fraud. For banks: Mantas offers products for anti-money laundering and fraud, including surveillance of wire transfers, checks and monetary instruments, and electronic/ Internet transactions. For exchanges: Mantas provides products addressing market regulation and integrity, fraud, and customer relationship management The problem Money laundering is quite a large occurrence which happens with illegally earned money. Money which is received through illegal transactions such as illegal arms sales, trafficking of illegal narcotics, prostitution, illegal alien smuggling is sent through either legitimate businesses or banks to clean the money and not sake it questionable in the eyes of the public, and therefore in the eyes Of the United States government. Without the large amounts of dirty money which is later cleaned through laundering international organized crime would not be able to function. Even mentioned in a 1997 House Committee of International Relations meeting on the Threat Of International Organized Crime and Terrorism, Louise Shelley stated: Transnational organized crime will proliferate in the next century because the crime groups are among the major beneficiaries of globalization. Benefiting from increased travel, trade, telecommunications networks and computer links, they are well positioned for growth. The MIFF recently estimated that the proceeds of the drug trade now contribute 2% of the worlds economy. If the money from tax evasion and other illicit activity is added, the total is several times larger. Organized crime groups in the next century will control an even larger share to the worlds economy because the illicit share of the worlds economy grows annually. Illegal businesses are highly profitable and remain untaxed. Two percent of the worlds economy is dirty money and that is quite a lot, also acting in that many places in the world are not financially in the best state that they could be. Some countries even profit from the illegal drugs produced in their country which are shipped out, used, and then the money which is gained through the sale of these illegal products is then laundered and funneled through many different mediums to make the money that was made seem legitimate. Also in that same speech as previously stated, she also claimed: International organized crime groups are the reverse of legitimate multi- national corporations. Most major multi-national corporations are based in the industrialized world and market to the developing world, whereas transnational organized crime groups are largely based in developing countries and market to the developed world. Extremely profitable, they are even harder to regulate than the multinational corporation Whose activities span countries, and their growth has been prolific. Furthermore, the incentives for control are not there. Many countries lack economic alternatives and crime groups become dominant economic and political forces. Off-shore banking centers thrive in such settings, drawing money steadily from countries with powerful crime groups and eager tax evaders. High level corruption also impedes action against these groups. Lack of harmonize legislation and the absence of mutual legal assistance treaties make it impossible for foreign powers to effectively act against the crime groups. There are three stages of money laundering: placement, laundering and layering, and integration Placement is the placing of the illegal funds in the financial system and can be done either directly or indirectly, Directly a person gives cash deposits or drops sealed bags off at the bank or financial institution. Indirectly the use of a front is used, basically a fake organization that sounds like a viable equines. From there the actual laundering occurs. The main idea is to break a paper trail or an audit trail, Vichy in essence could prohibit them from being found out. Criminals would use many different transactions, bank accounts, institutions, and jurisdictions. The criminals would use many different banks and even use banks in different countries out of the main country that they are having illegal practices in. The actual integration Of the money cannot be related to its criminal origin and is even invested into legitimate and legal businesses and investments; this further launders the money because any profit made Off Of hose investments is clean. Some more examples of money laundering situations are; misuse of a not for profit organization, informal money or value transfer systems, entry of illegal funds and layering of illegal funds into the securities sector. Setting up a company as a front is a well known way of money laundering and the use of false or stolen identities, or documents. This increasing problem in the United States and the world pressured computer programmers and software companies to develop and produce tort wide use a system that would monitor transactions and bring attention to any account or accounts that have questionable activity. An example to this is, large amounts of money being deposited at any one time, or difference in consistence of money being deposited. Money that goes from being deposited weekly, from $1 SO to all of a sudden tens of thousands or hundreds of thousands of dollars would set off an alert in the system. Anti- Money Laundering systems have been used ever since the LISA Patriot Act in 2001, banks and brokerage firms have to file any suspicious activities with the government, or must meet the harsh penalties In most cases being a really large fine. Any bank or firm that does not comply can be fined anywhere in the upward mount of SSL million. The agencies that were monitored also included all lending firms and Other financial institutions that deal with monetary transactions between multiple clients. Such things that raise a red flag to the systems are a customers employment history not matching their investment, large sums Of money being entered from this employee which is more then he or she has ever entered previously. Large numbers of individuals depositing into the same one account also brings attention to the account, and from there on brings attention to the client who formed the account with the bank. The depositing of large amounts of money onto cash safes, at night, so that the person depositing the money does not have to deal with any of the staff that works at the bank or financial institute. The main global policy making body that controls the framework for anti- laundering is the Hannibal Action Task Force or FATE-. They develop and research any threats and also get companies to update their systems according to their data that was picked up through the research, The FAT F develop and promote international policies to wage war against the large problem of illicit funds being laundered, The PATE makes constant reviews and recommendations; originally hey had 40 recommendations which were updated in 2003 and continue to be updated to make it relevant and reflect to the increasing sophistication of the launderers and then make increased requirements for all financial systems are needed to combat them Systems are based on these guidelines set by the PATE, and all Of the research that they have done in the field of the financial transactions. These findings have made a difference in the production Of the software Which protects the computer systems of all the many companies and organizations that might have been under the threat of illegal occurrences. These more accurate programs further halt the money laundering that may have happened or is happening in a company. The laundering that might have happened in the past can be traced and the proper authorities will be informed. Money laundering being such a global problem has all financial institutions and banks around all working together. Information is shared and systems are constantly updated. In some cases the information that has been shared even makes the users to a particular system pay more attention to the certain aspect of the system. These systems are an especially important factor in the discovery f money launderers and in essence larger criminal activity that is occurring around, domestic and global, Criminal organizations can also be found through tracing the hints given off by these anti-money laundering systems. There are many different systems all based off of these same requirements, CEO of Mantas; Simon Moss even described the people involved with money laundering operations as being C probably better business people then we are, from the assumption that every time a new security recommendation comes out the launderers are already on their way to finding another medium to launder he money. The money launderers always change what they do, keeping nothing a constant. He later also says about the money launderers, that they Shave assets at their disposal that essentially skim the financial institution, by being able to enter the market, say, in Asia, and exit the financial institution in Europe or in the IL. S. , or enter through a private banking relationship in one geography, but then exit through a brokerage relationship in another . Mantas has become possibly the set standard when comes to Anti-Money Laundering or ML Briefly, Mantas is a system which is easy to use and stays insistent with the information it receives. Some of the benefits reported from using this system include: comprehensive scenario coverage, advanced alert generation and workflow, customized thresholds and risk scoring, and enterprise-wide compliance . As told on the official Mantas Anti-Money Laundering site; Comprehensive Scenario Coverage, where the clients realize greater protection with the Mantas system and faster time to compliance with Mantas industry-proven scenario libraries that provide comprehensive coverage of money laundering behaviors. These behaviors are known from past money laundering investigations, which ere entered into the library. Advanced Alert Generation and Workflow, is a patented analysis technique that detects key behaviors of interest which indicate money laundering, a good example of this is the connections and relationships between different accounts. The alerts also provide a plethora of business data and historical information relevant to the accounts, and finishes by securing a resolution. The Customized Thresholds and Risk Scoring enables the financial institutions to shorten the investigation times and better manage risks to the system itself. In addition the user can also change the weightings for individuals r businesses to scrutinize activities because of certain suspicions. Enterprise. Wide Compliance, Mantas Anti-Money Laundering systems support all types of businesses in different geographical locations, with the same effectiveness throughout. The Solution Mantas offers a wide range of services, tools, and applications to more than 5,000 professionals worldwide to improve their businesses. Mantas was originally designed for the largest and most sophisticated financial institutions, but is now used by many smaller institutions as well. All of Mantas services and applications ay be found in one package called the Mantas Behavior Detection Platform This platform serves as a foundation for an ever increasing set of business assurance applications. A firm or business may decide that they do not need the extra functions and applications that are in the platform; Mantas understands this and offers most of their products in separate forms as well. An example of a few of the other small products that Mantas offers includes: Mantas Loss Prevention, Mantas ONE, Mantas Advance, Mantas Select, Mantas Broker Compliance, Mantas Trading Compliance, Mantas Mutual Fund Compliance, Mantas Client Assurance, Mantas Case Management and Mantas Anti-Money Laundering. The Mantas Behavior Detection Platform was a fifteen year long project that includes all Of the tools and applications that Mantas has to Offer. Every application is different and affects various aspects of the corporation or firm. During wartime, especially the war on terror, institutions have to become more aware of fraud and money laundering. The Mantas Anti-Money Laundering application helps regulators clamp down on loopholes in the systems that hackers, crackers, and even terrorists might abuse, This application is combined tit the entire behavior detection platform and is used to monitor accounts, customers, and correspondents across business systems for suspicious activities and possible money laundering. Mantas platform takes a look into hidden relationships between accounts to find possible money laundering activity, These relationships are the key for how money laundering operates, and the platform will automatically highlight these relationships, Analysts will be alerted to the detected behaviors and they will be provided with the entire context of the business data and historical information o help them find a solution. The Mantas platform is very intelligent and is capable of being used internationally. The platform supports different market structures, monitoring across global markets and can accommodate characteristics of different exchanges and currencies. The platform is also configurable to meet the specific business requirements from each company. Big corporations may have some personal requirements that include: discreet compliance jurisdictions, varying secrecy laws, and operational constraints. Money laundering typically operates across national boundaries and Mantas yester is capable of monitoring global operations that criminals may run. The Mantas system is derived from their use of behavior detection technology, (Pictured Above) This relatively new system is how Mantas is capable of detecting money laundering before, or as it actually happens. The technology allover companies to detect wrongdoing by finding suspicious patterns to behavior buried and hidden within all volumes to data. Criminals who use computers for money laundering crimes leave behind an electronic trail of data. This data reveals the story of their fraud by recording many critical events. Poor example, deposits, withdrawals, wire transfers, account openings, changes in power of attorney, trades, orders and quotes can all be recorded and logged. Criminals often use separate entities to carry out their schemes, establishing accounts under different names using a variety of financial products such as insurance policies or securities, and employing different traders All of this data is captured and stored and analysts can backtrack to find out exactly how and when these events took place. Mantas helps distinguish the order in which the events took place, and this helps decide of the behavior is fraudulent or innocent. According to Mantas-corn: The key to behavior detection technology is its ability to identify suspicious events and entities that build over time, separate them from normal everyday events, and then to zero in on the wrongdoers. Without this sophisticated technology, is likely that many suspicious behaviors Will go undetected for long periods Of time or not be uncovered at all. There are many challenges that the behavior detection system must face. For instance, the chief challenge is the sheer volume of data that must be examined. The suspicious behavior in question almost always is composed of many events ND entities. Any single transaction in isolation may look normal, but it is only when the transactions are linked to all the other relevant transactions that it becomes suspicious. For example, a trade by itself looks normal, but in the context to other trades it may become apparent that it is part to a market manipulation scheme, A hank account by itself looks normal, but when that saran account is linked to other accounts, a money laundering ring might be shown. The CEO of Mantas, Simon Moss explains more about the challenges in an interview by saying: Regardless of size, banks face four challenges. Cultural ML is seen in many institutions as a problem to be solved at the business unit or geography level. This is a fundamental mistake. Money laundering is a cross-geography, cross-branch and cross-business challenge. Regulatory The lack of data and uniformity across the market will always lead to systemic weaknesses. Training and Process Technology is irrelevant if processes are not implemented and followed. Once these three challenges are addressed, a technology decision can be made. The result is better selection Of a solution, better ROI and better compliance. The system is so advanced that it is capable of finding suspicious events and entities that are buried in between millions of legitimate events and entities. It uses relationship examination between the events to find strange activity. The intelligent behavior detection system is able to choose which relationships to examine and which to filter out. This behavior system is forced to play a game of cat and mouse with criminals. Once a criminal is caught by the system, they are forced to try a more sophisticated approach. In the same way, the Mantas system is forced to upgrade and update to find new measures to protection. First generation detection solutions have been part of the financial community for a long time. These solutions work by establishing a fixed rules-based threshold by analyzing how certain established usage scenarios comply within the Most financial institutions will establish a threshold based on a set of monetary value for each transaction, flagging any transaction over a certain level. There are three main areas where first generation systems had problems. The first area is when transactions are below defined thresholds. This means that the system was unable to detect money laundering schemes f smaller amounts that may come in under an established threshold limit. An example Of this would be a criminal making several smaller deposits into several accounts instead of large deposits. The second area where problems arose was false positives. These are transactions over a set limit that are marked as suspicious but that do not represent any existing identified risk. These transactions caused Old systems to take focus Off Other transactions that might be a true money laundering risk. The third area is behavior profiling. This is defined as the process where current industry information is used to profile and infirm certain patterns of suspicious laundering activity. An example of this would be comparing an electronic store to others in the industry. For example, all electronic stores sales usually drop during the spring but the system picked up one store that stayed the same and this became suspicious. This was not a very sophisticated method and federal regulations demanded more in depth and sophisticated information systems that are able to generate greater knowledge of the customer or user. Mantas has improved on the shortcomings associated with the first generation anti-money laundering systems. The Mantas Anti-Money Laundering System has the ability to uncover suspicious financial activities by identifying the specific individuals or organizations that may be involved. This new system is able to learn and adapt, comprehending new money laundering schemes as they arise. The system takes an enterprise-wide approach, determining every transaction that is unusual as opposed to looking for a specific pattern or behavior while analyzing both the client profile and the transactions undertaken by the financial firm. Mantas system is made up Of four basic risk assessment components that ensure full disclosure and reporting necessary for compliance with the federal statutes. First the system looks at Client Risk Assessment. This relates to accessing a wide variety of detailed information relating to the customers account. This is typically collected at the time the account is opened. Mantas system looks at every type of analytical activities that are part of the clients profile. For example, the system will list all names of other individuals that are affiliated with the account, it will list high risk countries that are associated with the account, it will list the channels that are used by the account holder and actions of the branch office and it will also list business relationships that are associated with the account. Secondly, the new system will look at Transaction Risk Measurement. This is when the system views transactions that are determined to be of a higher risk and can vary from organization to organization based on their lines and type of business. Poor example, the risks associated with transactions from a bank would be different from those associated with an insurance agency or a securities firm. These transactions fall into three categories: fund related behaviors, transaction elated behaviors, and miscellaneous behaviors. Fund related behaviors include transactions that generate receipts into the firm or payments made by the firm. Transaction related behaviors relate to behaviors where transaction values fall above specified limits and are apart from established internal guidelines that can pose higher levels of suspicious activity and risk of money laundering. Miscellaneous behaviors refer to frequent changes in an account and activities that show movement of funds without a corresponding trade and the deposit of excess money into an account. The third component of the Mantas Anti. Money Laundering system is the behavior detection technology. Mantas has an entire platform of programs dedicated to this field, but it is also a big part in their ML system. This component manages the complex behavior that is commonly associated with money laundering schemes. This technology allows the firm or corporation to find suspicious patterns of behavior that may he hidden in between large volumes of financial data. The main key to this technology is the ability to identity/ suspicious events and entities that are built over time; this is what separates them from normal every day events and transactions. The behavior detection technology consists of four main components: scenarios, thresholds, alerts, and look back periods. Scenarios are a combination of rules and conditions which define the transaction pattern that is being detected. Thresholds are triggers that inform officials to potential scenarios. Alerts are the discovery of actual fraud Alerts go off when there is a match of potential money laundering fraud. A look back period is a length of time monitored for a scenario in each run of the detection process. The time that is logged is usually dependent on the type of behavior that is being monitored. The last component of Mantas system is Workflow and Reporting Tools. These tools aid financial institutions in the workflow and reporting process. They consist of case management, record keeping, and reporting. Case management provides an alert analysis workflow that is integrated with basic compliance reporting tools. Alerts that are generated from the Mantas Anti-Money Laundering System are pushed into these tools for further investigation. Most of the time, companies of firms alter these case management systems to be unique to their own standards. Record keeping is the ability to remain in compliance tit federal laws that require the institutions to preserve their records for specific periods of time. This software allows scanning, imaging, indexing and electronic storage of the physical transaction documents, The software allows easy accessibility and retrieval tooth information. These documents are usually used to assist a money laundering investigation, The reporting features is an add-on feature for both the transaction monitoring and watch list filtering solutions that generate suspicious activity reports, and current transaction reports. Federal regulators typically use these to make customized reports during an investigation.