Principles of Marketing Financial Services Essay

Principles of Marketing Financial Services - Essay Example Around the world, financial services organizations are driven to increase revenues while decreasing costs. They need the ability to quickly go to market with new products, deepen customer relationships, increase revenue per customer, and improve the accuracy of their strategic decision making. At the same time, they need to control operational and compliance costs, ensure interoperability of existing applications and infrastructure, and provide seamless interactions with their customers. All within an increasingly complex compliance environment. High-performance financial institutions understand the link between operational performance and financial performance. The ability to uncover and turn vital insights into operational value levers—such as customer-facing activities, exposure to credit risk, and market share—and link them to financial value levers like operating margin, loan-loss ratios, and cost of assets in a timely and accurate fashion is key to optimizing over all performance and driving value creation. Abbey’s vision is to be the outstanding financial services company in the UK. It is the sixth largest bank in the United Kingdom and aims to achieve the largest position in the market. The purpose of Abbey is to achieve above average growth in share holder value over the long term by meeting stakeholders needs. A detailed and more specific description of the products and services offered by Abbey includes – Current Accounts, Credit Cards, Loans, Mortgages, Insurance, Savings, ISAs and Child Trust Fund. ... The ability to uncover and turn vital insights into operational value levers-such as customer- facing activities, exposure to credit risk, and market share-and link them to financial value levers like operating margin, loan-loss ratios, and cost of assets in a timely and accurate fashion is key to optimizing overall performance and driving value creation -> Abbey An Overview : Vision: Abbey's vision is to be the outstanding financial services company in theUK. It is the sixth largest bank in the United Kingdom and aims to achieve thelargest position in the market. Purpose: The purpose of Abbey is to achieve above average growth in shareholder value over the long term by meeting stake holders needs. Products and Services: A detailed and more specific description about theproducts and services offered by Abbey includes - Current Accounts, CreditCards, Loans, Mortgages, Insurance, Investments and Pensions, Savings, ISAs and Child Trust Fund. Strategies Implemented : The right mixture of strategies which suits the market place and customers are being implemented so that there would be an optimum utilization of resources and maximization of profits can be achieved. -> SWOT Analysis : Its main strength is its expert knowledge of finance. This meant that it should focus on this area. Its main weakness is its size. As only the sixth largest bank it could not offer thesame range of products as bigger banks. This meant that it should offer a simplerange. The main opportunity was to provide simpler products which customer wouldbetter understand. The main threat is from other banks, who might want to take over Abbey, so it

Information Security

Information Security Introduction The requirements of information security with in an organization have undergone major changes in the past and present times. In the earlier times physical means is used to provide security to data. With the advent of computers in every field, the need for software tools for protecting files and other information stored on the computer became important. The important tool designed to protect data and thwart illegal users is computer security. With the introduction and revolution in communications, one more change that affected security is the introduction of distributed systems which requires carrying of data between terminal user and among a set of computers. Network security measures are needed to protect data during their transmission. The mechanisms used to meet the requirements like authentication and confidentiality are observed to be quite complex. One must always consider potential counter measures while developing a particular mechanism. It is also important to identify implementations to adopt these mechanisms. Security mechanisms usually involve more than a particular algorithm or protocol. It means that participants be in possession of some secret information, which raises doubts about their creation, distribution and protection of that secret information. Thus a model has to be developed within which security services and mechanisms can be viewed. To identify the security needs of an organization at its effective level, the manager needs a systematic way. One approach is to consider three aspects of information security that is Security attack, Security mechanism and Security services. Security attack identifies different modes by which intruder tries to get unauthorized information and the services are intended to counter security attacks, and they make use of one or more security mechanisms to provide the service. As information systems become ever more active and important to the conduct of activities, electronic information takes on many of the roles earlier being done on papers. Few information integrity functions that the security mechanism has to support are security and confidentiality of the data to be transmitted and authentication of users. There is no single mechanism that will provide all the services specified. But we can see that one particular element that specifies most of the security mechanisms in use: cryptographic techniques. Encryption or encryption like transformations of information is the most common means of providing security. A model for much of what we will be discussing is captured in general terms. Encryption Model This general model shows that there are four basic tasks in designing a particular security service. Design an algorithm for performing encryption decryption process. Generate the secret information with the help of algorithm of step 1. Identify methods for the distribution and sharing of secret information. Identify rules to be used by both the participating parties that makes use of security algorithm and the secret information to achieve a particular security service. A crypto system is an algorithm, plus all possible plain texts, cipher texts and keys. There are two general types of key based algorithms: symmetric and public key. With most symmetric algorithms, the same key is used for both encryption and decryption. Symmetric-key encryption Execution of symmetric-key encryption can be highly useful, so that users do not experience any significant time delay because of the encryption and decryption. Symmetric-key encryption also provides a degree of authentication, since information encrypted with one symmetric key cannot be decrypted with any other symmetric key. Thus, as long as the symmetric key is kept secret by the two parties using it to encrypt communications, each party can be sure that it is communicating with the other as long as the decrypted messages specify a meaningful sense. Symmetric-key encryption will be successful only if the symmetric key is kept secured by the two parties involved. If anyone else discovers the key, it affects both confidentiality and authentication. The success of a symmetric algorithm rests in the key, divulging the key means that any one could encrypt and decrypt messages. As long as the communication needs to remain secure, the key must be protected between the participating parties. Encryption and decryption with a symmetric algorithm are denoted by E K (M) = C D K (M) = P Symmetric algorithms can be divided into two categories. Some operate on the plain text a single bit or byte at a time, these are called stream algorithms or stream ciphers. Others operate on group of bits or characters. Such algorithms are called block algorithms. Public algorithms are designed so that the key used for encryption is different from the key used for decryption. The algorithms are called public key because the encryption key be made public. It involves a pair of keysa public key and a private keyassociated with an entity that needs to authenticate its identity electronically or to sign or encrypt data. Further more the decryption key cannot be calculated from the encryption key. Each public key is published, and the corresponding private key is kept secret. Data encrypted with ones public key can be decrypted only with his private key. shows a simplified view of the way public-key encryption works. Public-key encryption Compared with symmetric-key encryption, public-key encryption requires more computation and is therefore not always appropriate for large amounts of data. However, its possible to use public-key encryption to send a symmetric key, which can then be used to encrypt additional data. This is the approach used by the SSL protocol. This provides Authentication, Integrity Confidentiality of Information at low computing power. Nevertheless, private-key encryption is useful, because it means you can use your private key to sign data with your digital signaturean important requirement for electronic commerce and other commercial applications of cryptography. Encryption and decryption can be represented in a public key scheme is E Kpu(M) = C D Kpr(C) = M Where Kpu is the public key and Kpr is the private key. In public key encryption there is always a possibility of some information being leaked out. A crypto analyst tries to get some information based on ones public key. Not a whole of information is to be gained here, but there are potential problems with allowing a crypto analyst to encrypt random messages with public key. Some information is leaked out every time to the crypto analyst, he encrypts a message. In probabilistic Encryption, multiple cipher texts are generated for one plain text, a cryptanalyst can not generate any information by chosen plain text and chosen cipher text attacks. Probabilistic encryption Security Analysis of algorithms: Different algorithms offers different degrees of security, it depends on how hard they are to break. If the cost required to break an algorithm is greater than the value of the encrypted data, then we are probably safe. If the time required to break an algorithm is longer than the time that the encrypted data must remain secret, then we are probably safe. If the amount of data encrypted with a single key is less than the amount of data necessary to break the algorithm, then we are probably safe. An algorithm is unconditionally secure if, no matter how much cipher text a crypto analyst has, there is not enough information to recover the plain text. In point of fact, only a one time pad is unbreakable in a cipher text only attack, simply by trying every possible key one by one and by checking whether the resulting plain text is meaningful. This is called a brute force attack. Cryptography is more concerned with crypto systems that are computationally infeasible to break. Any algorithm is considered computationally secure if it cannot be broken with available resources. The complexity of an attack can be measured as Data Complexity, the amount of data needed as input to the attack, Processing complexity, the time needed to perform the attack and storage requirements which are the amount of memory needed to do the attack which is space complexity. As a thumb rule, the complexity of an attack is taken to be minimum of these three factors. Another classification of complexities is by complexity of the algorithm by its construction and complexity of the algorithm by its strength. By its construction, the time complexity of the algorithm can be calculated by executing through the steps of the algorithm, which will be referred as O(n). Complexities can also be expressed as orders of magnitude. If the length of the key is k, then the processing complexity is given by 2k . It means that 2 k operations are required to break the algorithm. Then the complexity of the algorithm is said to be exponential in nature. A desirable property of any encryption algorithm is that a small change in plain text or the key should produce significant change in cipher text. Such an effect is known as avalanche effect. The more the avalanche affects of the algorithm, the better the security. Crypto analysis is the study of recovering the plain text with out access to the key. It may also find weakness in a crypto system that eventually leads to previous results. An attempted crypto analysis is called an attack. There are five types of attack. Each of them assumes that the crypto analyst has complete knowledge of the encryption algorithm used. Cipher text only attack: Here the crypto is in hold of cipher text only. The crypto analyst has cipher text of several messages, all of which have been encrypted using the same encryption algorithm. The crypto analysts job is to recover the plain text of as many messages as possible, or better yet to deduce the key used to encrypt the messages, in order to decrypt other messages encrypted with the same keys. Known Plaintext attack: The crypto analyst is in hold of not only to the cipher text of several messages, but also to the plain text of those messages. His job is to get the key used to encrypt the messages or an algorithm to decrypt any messages encrypted with the same key. Chosen Plaintext Attack (CPA): Here the crypto analyst is in hold of not only cipher text but also parts of chosen plain text. If the analyst is able to insert into the system a message chosen by the analyst, then such an attack is known as chosen plain text attack. Differential crypto analysis is an example of this mode. Chosen cipher text attack (CCA): Under the CCA model, an adversary has access to an encryption and a decryption machine and must perform the same task of distinguishing encryptions of two messages of its choice. First, the adversary is allowed to interact with the encryption and decryption services and choose the pair of messages. After it has chosen the messages, however, it only has access to an encryption machine. Chosen text: In this model, the analyst posses the encryption algorithm, Cipher text to be decoded, plain text message chosen by the crypto analyst and purported cipher text chosen by the crypto analyst. Present work: In this work an attempt has been made to generate a set of algorithms which provides security to data transmitted. The first algorithm considers a random matrix key which on execution by a series of steps generates a sequence. This sequence is used a sub key to build three different encryption models. Each model can be used for encryption of data. The second algorithm considers not only the key but also initialization vector and a time stamp to generate sub keys which are used for encryption process. And also a mechanism has been discussed which identifies any garbled key while transmitted from the Key Distribution Centre. In this work both the algorithms are discussed in terms of computational security, computational complexity and computational overhead. Both the algorithms are studied for their strengths and limitations. A crypto analytical study of the algorithms with emphasis on probabilistic encryption is also considered in this study. The encryption algorithms are compared with standard algorithms like RC4 and DES. The algorithms are also discussed in terms of its applications and also about their advantages and limitations in network security environment.

Importance of Fear in The Lord of the Flies Essay -- Lord of the Flies

Importance of Fear in The Lord of the Flies   Ã‚  Ã‚  Ã‚  Ã‚   The boys in the book, The Lord of the Flies, are controlled by their fear of the beast.   This fear is not of the beast itself, but of the unknown. It comes from not knowing whether or not a beast exists.    The children start as one united group.   They are a community in their own.   Slowly, rules started to get broken, individuals began to leave, and the group broke apart.   The one thing that causes this break-up is the beast. The beast means different things to everyone, but each boy is afraid of it.      Ã‚  Ã‚  Ã‚  Ã‚   All of this fear starts at one of the very first assemblies when a littlun says that he saw a beastie in the forest.   "Now he says it was a beastie" (35).   Everyone is already a little afraid of being on the island alone, without any adults, but this makes them even more scared.   Ralph, the chosen leader, feels this fear and notices it among the other boys.   He tries to reassure the others as well as himself with, "You couldn't have a beastie, a snake-thing, on an island this size.   You only get them in big countries, like Africa, or India" (36).   He continues trying to ease the fear by ending the conversation of beasties with, "...I tell you there is no beast" (36).   In addition, Ralph tries to have an optimistic look on rescue, and talks of fun on the island to help the children stay calm.      Ã‚  Ã‚  Ã‚  Ã‚   Jack and Ralph continue discussing the issue of fear, without the littluns present, to avoid frightening them further.   Mostly they discuss how the littluns scream out in their dreams because they are so afraid.   Simon joins in on one of their conversations on page 52:      Ã‚  Ã‚  Ã‚  Ã‚   "'As if it wasn't a good island.'   Ã‚  Ã‚  Ã‚  Ã‚   Ast... ...      Ã‚  Ã‚  Ã‚  Ã‚   By the end of the novel, it is not the beast that has driven the boys to savagery; it is their fear of the beast.   Most of the boys try to deal with their fear by pushing it away, but it is always in the back of their minds, controlling every move they make.   They do not know whether or not there is a beast on the island.   They are afraid of the unknown.   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚     Ã‚   Works Cited. Baker, James R. "Why It's No Go." Critical Essays on William Golding. Ed. James R. Baker. Boston: G.K. Hall & Co., 1988. Golding, William. Lord of the Flies. London: Faber and Faber, 1958. Hynes, Samuel. "William Golding's Lord of the Flies." Critical Essays on William Golding. Ed. James R. Baker. Boston: G.K. Hall & Co., 1988. Moody, Philippa. Golding: Lord of the Flies, a critical commentary. London: Macmillan, 1964.         

Philosophy of Teaching Essay

Philosophy of teaching is a self-reflective statement of your beliefs about teaching and learning. It discuss how you put your beliefs in practice by including concrete examples of what you do or anticipate doing in class. My teaching philosophy is ‘participatory learning’. It a type of learning process whereby learners are put in the centre of every learning situation, in other words pupils take active part of the lesson presentation. . I hold this belief in the sense that, when children are involve actively in the lesson delivery with the relevant teaching methods and techniques and also appropriate learning materials, it’s inspires them to explore and take up their own responsibility. This belief once again, gives children the opportunities to discuss, talk and ask questions. It also allow the teacher to listen to the children and see how their understanding is developing, it makes learning permanent in any learning situation. Validity of my philosophy To validate my philosophy, James Hartley (1998) said that activity is very important in learning. Learning is better when the learner is active rather than passive; therefore learning by doing is to be applauded. My teaching style can best be described as one that incorporates different methods and techniques that encourages learners to be active participant in the delivering of lesson. By engaging students in variety of activities that address each child’s learning style, I believe that they will achieve academic success and build the self confidence. Learning occurs when a student is fully encouraged in the process, make a personal connection with the information taught and apply the knowledge to variety of experiences. When this happened the child is inspired to become engaged over and over again, make connections and apply his or her knowledge. Application of my philosophy I understand the importance of using participatory learning to appropriately address the different learning styles and needs of students in order to become effective in the near future. Consequently, it is extremely important to determine each child’s dominated learning style and continually monitor each student’s academic progress through a variety of assessment in order to plan instructions that draw upon each child’s strength to improve academic development. With my teaching philosophy in mind, I try my best to prepare my lesson before time, rehearse on my own base on the teaching and learning materials prepared and available. Introduction of which is an important part of lesson delivery is done first based on the relevant previous knowledge of student then proceed to tell them objectives of the lesson and the future benefit of the topic. In doing so the learner become informed of what would be discussed as the lesson proceed, they think critically and consciously about each objectives. For example I taught the topic shapes and space with the sub topic solid shapes. I used variety of relia like Milo tin, milk tins paper boxes, match boxes, etc. During the presentation stage l allowed pupils to have a look at the TLMs. Teacher then assisted pupils to explore the materials and came out with their own findings. Pupils discussed their findings to identify the shapes as solid shapes while teacher served as a facilitator. Teacher also assisted pupils to identify the parts of the various solid shapes talked about. Likewise in all the topics I treated during the program I used methods and techniques that allowed pupils to fully participate in the lessons. Such techniques include activity method, demonstration, discussion, games, etc. As a teacher I only served as a facilitator and guide to all the activities that went on during teaching and learning process. Effectiveness This philosophy â€Å"participatory learning† with the needed teaching and learning materials is very effective as it enhance pupils taking part fully in the lesson that is they communicate, ask questions, write down points and share ideas with friends. Conclusion I will therefore conclude that when a teacher impact knowledge by involving pupils in every activity or lesson, with appropriate, adequate and suitable learning materials using a variety of teaching techniques such as demonstration, dramatization and role play, the teacher will achieve his or her set goals and get the needed feedback from pupils. This also makes learning more practical and permanent.

Product Mix

INTRODUCTION Operating in over 50 countries with more than 100,000 people, Johnson & Johnson USA has been ranked 4 times in the â€Å"Fortune Top 10† list of the most admired companies in the US. Johnson & Johnson (J&J) India, a subsidiary of Johnson & Johnson USA, is one of the leading players in the Indian pharmaceutical and consumer products business. It has employee strength of over 1,800. It started business in India in 1947 in Bombay with Johnson’s Baby Powder, and, over time, introduced other products like toothbrushes, Johnson’s Baby Cream and Prickly Heat Powder. Briefing about this world class company, we can have a glimpse on the following points:†¢ †¢ †¢ †¢ †¢ †¢ Global Manufacturer of Pharmaceuticals, Consumer Products and Medical Devices. Listed in Fortune 500 Companies Ranked 1st among 50 top Pharmaceutical companies 230 subsidiary companies with operations in over 57 countries. Well-known consumer products are the BAND-AID Brand line of bandages, Tylenol Medications , JOHNSON'S BABY Products Produced its first products in 1886 Incorporated in 1887 ROBERT WOOD JOHNSON served as the first President of the company. In 1910,JAMES WOOD JOHNSON succeeded him as President. William C. Weldon is the President (since 2002 Onwards) The other key Members of the company are:†¢ †¢ †¢ †¢ †¢ William C. Weldon:- Chairman ,Board of Directors; Chairman ,Executive Committee; Chief Executive Officer †¢ †¢ Christine A. Poon:- Vice-Chairman ,Board of Directors; Member ,Executive Committee Dominic J. Caruso: – Member, Executive Committee; Vice President, Finance; Chief Financial Officer. COMPANY STRUCTURE †¢ †¢ †¢ †¢ †¢ Based on the principle of Decentralized Management. Executive Committee is the principal management group. Committee is responsible for the operations and allocation of the resources. Oversees and coordinates the activities of the three segments. Each subsidiary within the business segments is, with some exceptions, managed by citizens of the country where it is located. SUBSIDIARY HOLDINGS Johnson & Johnson is a highly diversified company with at least 230 subsidiaries, which it refers to as the â€Å"Johnson & Johnson Family of Companies†. Some of these subsidiaries include: †¢ †¢ †¢ ALZA Corporation Baby Center, L. L. C. Johnson & Johnson, Group of Consumer Companies, Inc. Johnson & Johnson Health Care Systems Inc. Johnson & Johnson – Merck Consumer Pharmaceuticals Co. Johnson & Johnson Pharmaceutical Research & Development, L. L. C. Pfizer Consumer †¢ †¢ †¢ †¢ J in INDIA †¢ †¢ †¢ †¢ †¢ Spread its roots in India during 1947. It was Mr. Patrick Whaley who set the foundation. Launched Johnson’s Baby cream and Prickly Powder. Product like bellodomma, pharmaceutical tapes were imported from the parent company. In Sep. 957, a new company Johnson & Johnson India Ltd. was created and registered. Recently this company celebrated its 50 years in India. †¢ SEGMENTS OF BUSINESS Johnson & Johnson is organized into three business segments:†¢ †¢ †¢ Consumer Pharmaceutical Medical Devices and Diagnostics Consumer J manufactures and markets a broad range of products used in the fields like:†¢ â € ¢ †¢ †¢ †¢ †¢ Baby and Child Care Skin Care Oral and Wound Care Women’s Health Care Nutritional and Over-the-counter Pharmaceutical Products MAJOR BRANDS Some of the major Brands of J are:†¢ †¢ AVEENO (Skin Care Products) BAND-AID (Brand Adhesive Bandages) †¢ †¢ †¢ †¢ †¢ CLEAN & CLEAR (Teen Skin Care Products) JOHNSON’S BABY (Baby Products) NEUTROGENA (Skin and Hair Care Products) REMBRANDT (Brand of Oral Care Products) SPLENDA (No Calorie Sweetener) PRODUCT PORTFOLIO PRODUCT MIX J is known not only for the quality service & types of products but also for the variety & range of products. It has a huge list of Product Lines with enormous depth in each line. It also has a tremendous width & depth in its Product Mix. Its Product Lines are in the following segments:? Baby & Child Care ? Skin Care ? Oral and Wound Care ? Women’s Health Care ? Nutritional and Over-the-counter ? Pharmaceutical Products ? Medical Devices and Equipment. Some of the Products in the Product Line of Baby & Child Care are as:0 Baby Hair Oil 0 Baby Soap 0 Baby Cream 0 Baby Body Lotion 0 Baby Massage Oil 0 Baby Powder 0 Baby Nappy Pads 0 Baby Shampoo J has done the Brand Line extension in the products like Hair Oil, Soap, Cream, Massage Oil, Powder & Shampoo by launching these products in various fragrance & colours. In today’s changing times, where people have become more conscious towards their health & thus moving towards natural products, they prefer using J products over other Brands. J has captured the customers by Positioning itself as a Company providing Natural products devoid of chemicals. Thus its graph of Customer Confidence Index is high as compared to other Brands. Not only the Kids & New Born, but also the teenagers & upper age group customers have been the Target of J. It has its products flowing for every age group & in every segment. Some of the products in the product line of Skin Care are:0 0 Aveeno (Brand for Skin Care Products) Clean & Clear face wash 0 Clean & Clear Cream 0 Clean & Clear Cleansing Milk 0 Neutrogena (Brand for Skin & Hair Care products) 0 Body Lotion etc. J also has its Oral Care products by the name Rembrandt. It also has its No Calorie Sweetener by the name Splenda. Product Line Length of J in Pharmaceuticals is huge. The products are for various Therapeutic uses such as:0 Anti Fungal 0 Anti-Infective 0 Cardiovascular 0 Contraceptive 0 Dermatology 0 Gastrointestinal and many more†¦ Band-Aid is one of the most popular pharmaceutical products of J. Product Line of J in Medical Devices & Equipments is also quiet impressive. 0 0 It includes a broad range of products distributed to Wholesalers, Hospitals & Retailers. Used principally in the professional fields by Physicians, Nurses, Therapists, Hospitals, Diagnostic Laboratories and Clinics. Products include Cordis’ circulatory disease management products, DePuy’s orthopedic joint reconstruction and spinal care products. Vistakon's ACUVUE Disposable Contact Lens. One Touch Brand Blood Glucose Meters from LifeScan, Inc. P. F. C. Sigma Knee System from DePuy, Inc. 0 0 0 0 J&J also has several women’s Health Care products. Thus J&J has segmented the market in a way so as to target Kids, Teenagers, Women & also people those are conscious about Natural products. It has strongly covered the market by diversifying itself into Pharmaceuticals & Manufacturer of Medical Equipments & devices. MILESTONES †¢ †¢ †¢ †¢ †¢ 1989: Introduced the first test kit for the detection of antibodies to hepatitis C. 1996: Introduced the first test kit to screen blood for antigens to HIV-1, the virus that is responsible for the vast majority of AIDS cases in the U. S. 997: Introduced the first fully automated blood banking system in Europe. 1999: Introduced the first fully automated blood and plasma screening system. 2000: Introduced the first blood screening kit for HCV antigen. AWARDS & RECOGNISATION †¢ †¢ †¢ †¢ In the year 2005 J&J was recognized by National Safety Council for the excellence in environmental, health and sa fety management. In the year 2006 Working Mother Magazine named J&J in best 100 places to work for mother. Fortune magazine ranked J&J in 9th position in over all industry and also listed it in the America most admired companies in 2006. In the year 2007 J&J receive the Spark Award for the new packing and advertising campaign. CORPORATE SOCIAL RESPONSIBILITY †¢ †¢ †¢ Centre of Health, Environment and Justice AND J&J launched PVC consumer campaigns. Developed a PVC phase out policy in June 2007 Signed the Compact for Safe Cosmetics. A pledge to make safe products. Eco-Friendly Endeavour’s 0 0 Reached a settlement with the U. S. govt. in December 2006. Installed a â€Å"ZERO† discharge cooling tower water treatment system. Help-age 0 0 0 Donated to TSUNAMI relief efforts in Asia. Gave $10 million to September 11 , 2001 victims. Working to reduce its green house gas emissions. Environmental Policy 0 0 0 0 0 0 Integrating Environmental goals. Striving for ZERO WASTE. 100% resource efficiency. Enhancement of environment. Utilizing innovative technologies. Fostering ENVIRONMENTAL ETHICS. CREDO 0 0 0 0 0 0 Our first responsibility – doctors, nurses, mothers, fathers, consumers. Everything of high quality. Constantly strive to reduce costs. Customers’ orders -serviced properly. Suppliers & distributors – make profit. Envt. is the ultimate human health issue. FUTURE PLANS J&J Corporation has a very good perception of India. This has been supported by good results in the country. The outlook is bullish, and is supported by a high level of confidence in the Indian management team and more investments likely in the coming years. Double-digit growth is forecast for the India operations. India would be a key growth driver for J&J worldwide. J&J is also exploring the opportunities for setting up BPO operations in the country.

Daily Fuel Taking your ideas and making them a reality

Daily Fuel Taking your ideas and making them a reality Flawless execution will outperform strategy.   All. Day. Long.   If you’ve been making tons of suggestions and feel like you’re not being heard, then listen to this week’s Bossy Skirt advice on how to turn ideas into action.   The approach, not the idea, may be the obstacle. [Source: Daily Fuel]

Chemistry Jokes, Puns, and Riddles

Chemistry Jokes, Puns, and Riddles Chemistry terminology and jargon is ripe for puns and intellectual humor. Below is a collection of chemistry jokes, puns, riddles, and one-liners. Old Chemist One-Liner Old chemists never die, they just stop reacting. Coffee Riddle What is the chemical formula of coffee? CoFe2 Banana Riddle What is the chemical formula for a banana? BaNa2 Dead Chemists What should do you do with a dead Chemist? Barium! Dental Chemistry Riddle What do you call a tooth in a glass of water? A one molar solution. Ion Riddle What did one charged atom say to the other? Ive got my ion you. pH Chemistry Joke Why do chemists enjoy working with ammonia? Because its pretty basic stuff. Spy Chem What is the name of agent 007s Eskimo cousin? Polar Bond. Medical Elements Joke Q: Why do chemists call helium, curium, and barium the medical elements?A: Because if you cant helium or curium, you barium! Diamond Riddle What element is a girls future best friend? Carbon. Element Laughter What did the chemist say when he found two isotopes of helium? HeHe Neutral Neutron A neutron walks into a shop and says,Id like a coke.The shopkeeper serves up the coke.How much will that be? asks the neutron.The shopkeeper replies, For you? No charge. Norse Chemistry What element derives from a Norse god? Thorium. Mole Riddle Why was the mole of oxygen molecules excited when he left the singles bar? He got Avogadros number! Particle Charge Joke A proton and a neutron were walking down the street. The proton says, Stop, I dropped an electron. Help me look for it. The neutron asks, Are you sure? The proton replies, Yes, Im positive. Peroxide Joke Two chemists go into a restaurant. The first chemist says, Ill have H2. The second chemist says, Ill have an H2O too.... and he died. TV Chemistry What show do cesium and iodine love to watch together? CsI Words from Element Symbols I asked the guy next to me if he had any sodium hypobromite. He said NaBrO. Lawyer Chemistry Joke Why cant lawyers do NMR? Bar magnets have poor homogeneity. Chemistry Lab Safety What is the most important chemistry rule? Never lick the spoon! Mole Joke What was Avogadros favorite sport? Golf - because he always got a mole-in-one. Gas Chromatography Joke What emotional disorder does a gas chromatograph suffer from? Separation anxiety. Interview Joke Question at interview: What is nitrate (nite rate or night rate), Answer: double time. Chemistry Poem Poor Willie worked in chem lab. Poor Willie is no more. For what he thought was H2O was H2SO4! Assault and Battery What happened to the man stopped for having sodium chloride and a 9-volt in his car? He was booked for a salt and battery. Joke Why Chemists Are Great Why are chemists so great at solving problems? Answer: Because they have all the solutions. Alphabet Chemistry Riddle What is HIJKLMNO? H2O Silver and Gold Silver walks up to gold in a bar and says, Au, get outta here! Noble Gas Helium walks into a bar. The bartender says, We dont serve noble gases here. Helium doesnt react. Starving Chemists How did the chemist survive the famine? He subsisted on titrations. Chemical Formula Joke Q: What is the chemical formula for diarrhea?A: (CO(NH2)2)2 Football Cheerleader Q: How did the football cheerleader define hydrophobic on her chemistry exam? A: Fear of utility bills. The Chemists Ferris Wheel What do chemists call a benzene ring where the carbon atoms are replaced with iron  atoms? A ferrous wheel. Burger Chemistry Why does hamburger yield lower energy than steak? Because its in the ground state. Titration Chemistry Riddle What did one titration say to the other? Lets meet at the endpoint. Solution Chemistry Joke Florence Flask was preparing to attend the opera. Suddenly she screamed, Erlenmeyer, my joules! Somebody has stolen my joules! Her husband replied, Relax dear. Well find a solution. Titanium Chemistry Joke Titanium is an amorous metal. When it gets hot, it will combine with anything! The Half-Empty Glass The optimist sees the glass as half full. The pessimist sees the glass as half empty. The chemist sees the glass as completely full, half in the liquid state and half in the gaseous state. Cash Chemistry It has been discovered that money consists of a yet-to-be- indentified superheavy element. The proposed element name  is Un-obtainium. Spectrometry Riddle What did the mass spectrometer say to the gas chromatograph? Breaking up is hard to do. One Bad Clown What would you call a clown in jail? Silicon Ice Water H2O is the formula for water, what is the formula for ice? H2O cubed Sea Water What is the chemical formula for sea water? CH2O Oxygen and Potassium Did you hear oxygen went on a date with potassium? It went OK. Water and Peroxide Joke what is H204? Its FOR drinking, bathing, and mixing with scotch. Another Bar Joke What did the bartender say when oxygen, hydrogen, sulfur, sodium, and phosphorus walking into the bar? OH SNaP! Carbon Chemistry Pun Why did the chemist coat his shoes with silicone rubber? He wanted to reduce his carbon footprint. Water Chemistry Question: What is the name of the molecule CH2O? Answer: Seawater Polarity Chemistry Humor Why did the white bear dissolve in water? Because it was a polar bear. Superhero Chemistry Pun If Iron Man and Silver Surfer teamed up, theyd be alloys. Sodium Humor Does anyone know any jokes about sodium? Na. Yeah, I know that was sodium funny! Chemistry One-Liner If youre not part of the solution, youre part of the precipitate! Bad Chemistry Jokes Id tell you a chemistry joke, but all the good ones argon. Chemistry Joke Pun I wish to apologize for not having more chemistry jokes, but I only add them periodically. If you want to use chemistry pick-up lines, look no further.