Free Essays on Say Yes

Tobias Wolf’s short story â€Å"Say Yes†, found in Discovering Literature, altered by Hans P. Guth and Gabriele L. Rico, it presents the topic of whether interracial marriage ought to be acknowledged. Wolff utilizes a wide range of components to help pass on the significance of the story, for example, characters, setting, and, style. The story opens with Ann and her better half washing the dishes and talking about the questionable subject of interracial marriage. Ann accepts that if two individuals are infatuated, it doesn't make a difference what race they are. Her better half, whose name isn't referenced, holds the contrary position. Incidentally, not to long into their discussion, Ann’s spouse presumes that she is inferring he is supremacist. He shields, â€Å"I went to class with blacks, and lived on a similar road with blacks and we have consistently gotten along just fine† (15). He at that point continues to disclose to her that white individuals ought not wed individuals of color on account of distinction in their way of life. Over the span of the story, the contention changes from the general perspective to an individual clash. Ann thought about whether her significant other would have hitched her on the off chance that she was a dark lady. Their whole goals to the contention rotates around his answer. They talked about a wide range of factors lastly he arrived at the resolution that he would not have hitched her. She is furious about his choice and retreats to the family room to peruse while he completes the dishes. Wolf appears to concentrate on the activity of Ann more than of her better half, and he doesn't tell the peruser his name. The main information Wolf gives the peruser about Ann’s spouse is that he is extremist, yet he is circumspect toward his better half. Ann, then again, appears to anticipate that her better half should concur with all of what she says and she acts in a difficult and narrow minded way. These being the main two characters in the story, gives a staggering complexity in thoughts and character. The creator utilizes the basic errand of washing the d... Free Essays on Say Yes Free Essays on Say Yes Tobias Wolf’s short story â€Å"Say Yes†, found in Discovering Literature, altered by Hans P. Guth and Gabriele L. Rico, it presents the subject of whether interracial marriage ought to be acknowledged. Wolff utilizes a wide range of components to help pass on the significance of the story, for example, characters, setting, and, style. The story opens with Ann and her better half washing the dishes and talking about the disputable subject of interracial marriage. Ann accepts that if two individuals are infatuated, it doesn't make a difference what race they are. Her significant other, whose name isn't referenced, holds the contrary position. Incidentally, not to long into their discussion, Ann’s spouse presumes that she is inferring he is bigot. He guards, â€Å"I went to class with blacks, and lived on a similar road with blacks and we have consistently gotten along just fine† (15). He at that point continues to disclose to her that white individuals ought not wed individuals of color on account of distinction in their way of life. Over the span of the story, the contention changes from the general perspective to an individual clash. Ann thought about whether her better half would have hitched her in the event that she was a dark lady. Their whole goals to the contention rotates around his answer. They talked about a wide range of factors lastly he arrived at the resolution that he would not have hitched her. She is furious about his choice and retreats to the family room to peruse while he completes the dishes. Wolf appears to concentrate on the activity of Ann more than of her significant other, and he doesn't tell the peruser his name. The main information Wolf gives the peruser about Ann’s spouse is that he is extremist, yet he is accommodating toward his better half. Ann, then again, appears to anticipate that her better half should concur with all of what she says and she acts in an obstinate and narrow minded way. These being the main two characters in the story, gives a staggering complexity in thoughts and character. The creator utilizes the basic task of washing the d...

Medieval Musical Instruments

Medieval Musical Instruments:How They've Changed Music is a significant part in numerous people groups lives. It is utilized in strict administrations, for people groups own fulfillment, for amusement, and in any event, for someones occupation. Instruments were completely acknowledged into Western culture around the year 900. Albeit melodic styles have significantly changed all through the ages, the instruments are as yet a significant piece of people groups lives since music is valuable to them. Music in the medieval times lightened the drudgery of numerous people groups lives. Individuals would get together and play in little instrumental outfits. Or on the other hand they would get their own instrument out toward the finish of a taxing day and unwind with the most recent move tune. There are a few distinct kinds of instruments. A considerable lot of these were developed or culminated in the medieval times. Some wind instruments are: the shawm, cornetto, gemshorn, snake, early trumpet, and the sackbut. Their cutting edge partners are: oboe, recorder, woodwind, tuba, current trumpet, and the trombone. There were additionally many string instruments in the Middle Ages including the psaltery, dulcimer, and the lute. A portion of these instruments are still around today in various structures, for example, the harpsichord, more current dulcimer, and the cutting edge guitar. Man found in the good 'ol days that he could deliver a sound by blowing over the finish of a cylinder. As the funnel got longer, the pitch got lower (Remnant 113). This disclosure prompted the woodwind instruments developed in the Middle Ages. The shawm was the early oboe. It was a long, straight wooden instrument with a chime, played with a twofold reed. It had keys covering the gaps that the player could use to make various tones. The cornetto was like the cutting edge recorder. It was made out of wood. In the mid fourteenth century, it had with seven finger gaps (Baker 1). A third woodwind instrument was the gemshorn. This instrument ...

Rioters Recommendations for Emma Watsons Book Club

Rioters Recommendations for Emma Watsons Book Club Emma Watson has launched a book club on Goodreads as part of her  work with UN Women and anyone who has a Goodreads account can join. Its a wonderful idea: a global feminist book club where books can be discussed and enjoyed by equality-minded people. The first book that is being read is My Life on the Road by Gloria Steinem. Forging a global sisterhood is one of the biggest challenges of feminism, but perhaps it can be achieved through this medium if the right books are read and the discussion is properly moderated. With this in mind, Rioters have come up with suggestions of what books Emma Watsons book club should read next. Jamie Canaves  recommends Florynce Flo Kennedy: The Life of a Black Feminist Radical  by Sherie M. Randolph: Perfect as a historical read and because of its relevancy to our current times on an incredibly accomplished, at the forefront of the feminist movement, interesting and kick-ass woman. (While being reprimanded for unladylike attire in the courtroom she pointed out to the judge that he was in a dress.) Notorious RBG: The Life and Times of Ruth Bader Ginsburg by Irin Carmon: Fascinating woman. Fantastic book. The world could be a better place if we all regularly asked ourselves WWRBG do? Jessica Tripler recommends We Should All Be Feminists by Chimamanda Ngozi Adichie:  This is a long essay adapted from Adichie’s award-winning 2012 TED talk. In it, the Nigerian novelist defends the use of the term “feminism” as opposed to “humanism” and explains the problem of gender in way everyone can understand. It has to be great if every 16-year-old student in Sweden is getting a copy! Susie Rodarme recommends   Their Eyes Were Watching God by Zora Neale Hurston: I remember being blown away by this book when I read it in my early 20s. It both opened my eyes to the oppression of women of color and also to the oppression of women in general in a time when so many people were claiming that women already had equal rights and could we just shut up about feminism now? Janie’s story of regaining her power as a person and a woman is one we can all relate to. Trans: A Memoir by Juliet Jacques: Feminism has a long way to go when it comes to properly including trans women. I will say that baldly. Exposure to stories about trans women will help a great deal in correcting this and Trans is a great recent pick that has been getting a lot of buzz. Hannah Oliver Depp recommends The Dept. of Speculation by Jenny Offill: The best novel about modern artistic womanhood and motherhood (its sister novel being Afterbirth by Elisa Albert). Having shared this book with many women at different phases of their live, it’s appeal is massive yet its focus is narrow. Our narrator dreamed of being an “art monster” and finds herself a wife, mother, teacher, and ghostwriter dealing with bed bugs, infidelity, and kids school politics. Rather than going the route of mommy-farce, Offill delves into the mind of our art-monster mother with short, descriptive, and sensory-filled chapters that show chunks of the many aspects of her life. It is a womblike story that is somehow filled with the cold reality of birth. No one can get enough of this slim and powerful book about female identity. Negroland: A Memoir  by Margo Jefferson: A great book about the changing roles of women, African Americans, and politics, this would up the intersectionality of any book club. Part memoir and part look at Respectability Politics, this book gives a glimpse into the lesser known world of affluent blacks and the pressure to be beyond perfect to be treated with the usual amount of respect. Jefferson is a great cultural critic and is able to tie her own familys journey into the story of America’s discomfort with/ requirements of “successful” black people and the internalized self loathing brought about by this pressure. It’s especially notable as it relates to the already absurd expectations of perfection associated with womanhood. Nicole Froio recommends But Some of Us Are Brave: All the Women Are White, All the Blacks are Men: Black Womens Studies edited by Gloria T. Hull, Patricia Bell Scott and Barbara  Smith: This books title and content pretty much encapsulates the problem with white feminism and the lack of intersectionality in mainstream feminism; where can black feminists stand if social movements have historically excluded them? The bravery is to push for intersectionality, to campaign for attention where none is being paid. I would like to see Watson pick this book because it emphasizes some of the privileges she has as a white woman and it would be amazing to have thousands of people around the world reading these perspectives.  What Can a Woman Do with a Camera?: Photography for Women by Jo Spence: This  sounds like a really specific book that is just for women who are interested in photography, but if we think about how easily we snap photos with our camera phones nowadays, we can start to see why this book could be a valuable read if done en masse. Spence argues that photography can empower minority populations across the world and gives directions on how this can be done. If the aim is to practice feminism globally, I think a book with some guidelines or instructions can be really useful for this book club.

Goals Are Very Effective For Motivating Performance

Chapter 5 Summary, Study Design, and Hypotheses Summary Goals are very effective for motivating performance in the workplace. Setting high, specific goals typically results in higher performance compared to setting low or non-specific goals (Locke Latham, 2012). Given goals’ influence on performance, scholars have examined factors that affect the level at which goals are set. This research has primarily focused on self-set goals and not assigned goals. Self-efficacy, an individual’s expectation for his or her success in a specific domain, has been shown to influence self-set goals. Individuals higher in self-efficacy tend to set higher goals for themselves than do individuals lower in self-efficacy (Bandura, 2012). Although, to my knowledge, it has not been directly examined we might expect to see a similar effect for assigned goals. Meaning, when goals are assigned, goal setters are likely influenced by their stereotypic judgments and subsequent expectations for a targets’ ability. These expectations can come from a variety of sources, including stereotypes associated with the goal target’s group. For example, competency-related gender stereotypes often lead to the expectation that women will perform worse than males at most tasks (Biernat Kobrynowics, 1997; Wood, 1987; Wood Karten, 1987). Therefore, given that assigned goals are likely based, at least in part, on expectations and that those expectations are often driven by stereotypes one must question whether theShow MoreRelatedAnalyzing The Article Of Prodancius ( 2012 ) On How One Sees His Career Path Supporting An Organization Essay759 Words   |  4 Pagesan organization while motivating and leading employees to be a high performance team, it appears that the author chose seven scholars (authors) to present their thoughts on the importance of studying an organization. Therefore, getting a deep knowledge of what an organization should be, through its definition, its structure composed by effective communication, effective coordi nation, speed and responsiveness and empowerment of the employees, as well as its functions, its goals, and its environmentRead MoreEthics, Leadership And Team Effectiveness1215 Words   |  5 Pagesof this literature review to evaluate concepts relating to leading and motivating effective teams building. The authors addresses qualitative and quantitative research relating to ethical leadership and core job characteristics, organizational culture on team interaction for team effectiveness, employee’s participation in decision making with leadership encouragement of creativity, team cognition as it relates to performance in strategic decision-making teams, emotional intelligence and team effectivenessRead MoreEssay Function of a Manager1381 Words   |  6 Pagesgovernment restrictions, and their level or position within the company. In different companies, the managers functions differ, but some of the most common include coaching, delegation, leading, managing work, planning, and motivating. Motivation is clearly a way to enhance the performance of employees and boost the morale of the company. When morale decreases for any reason, productivity usually tumbles right along with it. 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In fact, goal setting theory is generally accepted as among the most valid and useful motivation theories in industrial and organizational psychology, human resource management, and organizational behavior. Many of us haveRead MorePerformance Management For Small Firms Accessible Version Essay1480 Words   |  6 PagesPERFORMANCE MANAGEMENT WHAT IS PERFORMANCE MANGMENT? â€Å"Performance management in words involves establishing cause and effect relationships between behaviors and effectiveness. In simple terms, a job involves a series of behaviors and activities which are usually prescribed and described in some form of job description.† (Schneier, Beatty, 2002) Performance management basically provides the comparison of individual’s activities as according to company criteria’s. It is all about managing peopleRead MoreManagers And Employees Motivation And Its Importance1312 Words   |  6 PagesManagers’ and Employees’ Motivation and Its Importance Joechelle Gemino Indian River State College Abstract Is it very important that managers understand their employees’ motivation. There are different components that need to be bonded together in order to motivate employees. Workplace environment and communication influence managers’ and employees’ motivation. More motivation means more productivity. The relationship between managers’ motivation and their employees is analyzed in this paper. Read MoreIncreasing an Organizations High Performance Production1000 Words   |  4 Pages In recent years the number of organizations is rising, consequently the competition between them is increasing. In order to remain competitive ability, organizations should provide high performance in production. For identifying what leads to high productivity, the key elements of organization should be analyzed. It’s obviously that the core of any organization is human element. There is not product without employee, and consequently there is not organization without workforce. Human naturallyRead MoreTypes of Control in an Organization1101 Words   |  5 Pagescoordinating and motivating employees. †¢ Identify the main behavior controls, and discuss their advantages and disadvantages as means of coordinating and motivating employees. †¢ Discuss the relationship between organizational control and change, and explain why managing change is a vital management task †¢ Organizational Control †¢ Managers monitor and regulate how efficiently and effectively an organization and its members are performing the activities necessary to achieve organizational goals ManagersRead MoreWhat Is High Level Motivation?1017 Words   |  5 PagesJournal. The consists of two different cultural regions of the world. The studies were conducted in Hong Kong and China. The topics that were covered within this study was retaining and motivating employees and how the compensation preferences differed between regions. According to our course studies, rewarding for performance such as pay and other intrinsic or extrinsic rewards can have a positive impact on serval things within an organization. Some positive impact may include: attraction of employees

The ImClone Insider Trading Case What did Martha Really Do

In 2004, famous businesswoman and TV personality Martha Stewart served five months in federal prison at Alderson in West Virginia. After she served her time at the federal prison camp, she was placed on two additional years of supervised release, a portion of which she spent in home confinement.  What was her crime? The case was all about insider trading. What Is Insider Trading? When most people hear the term â€Å"insider trading,† they think of the crime. But by its most basic definition, insider trading is the trading of a public companys stock or other securities by individuals with access to nonpublic, or insider, information about the company. This can include  the perfectly legal buying and selling of stock by a company’s corporate insiders. But it can also include illegal actions of individuals attempting to benefit from a trade based on that inside information.   Legal and Illegal Insider Trading   Legal insider trading is a common occurrence among employees who hold stock or stock options. Insider trading is legal when these corporate insiders trade stock of their own company and report these trades to the  U.S. Securities and Exchange Commission  (SEC) through what is known simply as Form 4. Under these rules, the insider trading is not secretive as the trade is made publicly. Legal insider trading is but a few steps away from its illegal counterpart. Insider trading becomes illegal when a person bases their trade of securities of a public company on information that the public does not know. Not only is it illegal to trade your own stock in a company based on this insider information, but it is also illegal to provide another person with that information, a tip so to speak, so they may take action with their own stock holdings using that information. Acting upon an insider stock tip is exactly what Martha Stewart was charged with. Lets take a look at her case. The SEC’s job is to make sure that all investors are making decisions based on the same information. Most simply put, illegal insider trading is believed to destroy this level playing field. The Martha Stewart Insider Trading Case In 2001, Martha Stewart sold all of her shares of the biotech company, ImClone. Just two days later, ImClones stock fell 16% after it was publically announced that the FDA had not approved ImClones primary pharmaceutical product, Erbitux. By selling her shares in the company prior to the announcement and subsequent drop in the stocks value, Stewart avoided a $45,673 loss. However, she was not the only who benefitted from a quick sale. The then ImClone CEO, Sam Waksal, had also ordered the sale of his extensive share in the company, a $5 million stake to be exact, prior to the news being made public. Identifying and proving the illegal case of insider trading against Waskal was easy for regulators; Waksal attempted to avoid a loss based on the nonpublic knowledge of the FDAs decision, which he knew would hurt the stocks value and did not comply with the Security Exchange Commissions (SEC) rules to do so. Stewarts case proved to be more difficult. While Stewart had certainly made a suspiciously timely sale of her stock, regulators would have to prove that she had acted on insider information to avoid the loss. Martha Stewarts Insider Trading Trial and Sentencing The case against Martha Stewart proved to be more complicated than first imagined. Over the course of the investigation and trial, it came to light that Stewart had acted on a piece of nonpublic information, but that the information was not explicit knowledge of the FDAs decision about ImClones drug approval. Stewart had actually acted upon a tip from her Merrill Lynch broker,  Peter Bacanovic, whom also worked with Waskal. Bacanovic knew that Waskal was attempting to unload his large stake in his company, and while he did not know precisely why, he tipped Stewart off on Waksals actions which lead to the selling of her shares. For Stewart to be charged with insider trading, it would have to be proved that she acted upon nonpublic information. Had Stewart traded based on knowledge of the FDA decision, the case would have been strong, but Stewart only knew that Waskal had sold his shares. To build a strong insider trading case then, it would have to be proved that the sale violated some duty of Stewarts to refrain from trading based on the information. Not being a board member or otherwise affiliated with ImClone, Stewart did not hold such a duty. She did, however, act on a tip that she knew breached her brokers duty. In essence, it could be proved that she knew her actions were questionable at the very least and illegal at the worst. Ultimately, these unique facts surrounding the case against Stewart led to prosecutors to focus on the series of lies Stewart told to cover the facts surrounding her trade. Stewart was sentenced to 5 months of prison time for obstruction of justice and conspiracy after the insider trading charges were dropped and securities  fraud charges dismissed. In addition to the prison sentence, Stewart also settled with the SEC on a separate, but related case in which she paid a fine of four times the amount of the loss she avoided plus interest, which came to a whopping total of $195,000. She was also forced to step down as CEO from her company, Martha Stewart Living Omnimedia, for a duration of five years. Punishments and Rewards Associated With Insider Trading According to the SEC website, there are almost 500 civil enforcement actions each year against individuals and companies that break securities laws. Insider trading is one of the most common laws broken. The punishment for illegal insider trading depends on the situation. The person can be fined, banned from sitting on the executive or board of directors of a public company, and even jailed. The Securities Exchange Act of 1934 in the United States allows the Securities and Exchange Commission to give a reward or bounty to someone who gives the Commission information that results in a fine of insider trading.

Change of Position Defence Free Essays

string(60) " receipt of the money from the plaintiff was such evidence\." The defendant may claim the defence of change of position. Whether the defendant can successfully establish this defence depends of whether he can prove that his position is so changed that he will suffer an injustice if called upon to repay or repay in full (Lipkin Gorman v Karpnale) * In order to prove a change of position defence, first there must be an adverse change of position by the recipient in good faith and in reliance on the payment (New Zealand Banking Group v Westpac Banking Corporation) * The current position in Australia with regard to the availability of the defence is that the defendant must have (1) changed their position (2) irreversibly (3) in reliance on its receipt (4) in good faith (Australian Financial Services)(1) CHANGE THEIR POSITION / SUFFER DETRIMENT * The defendant must first be able to prove a change in the relative net assets of the defendant which shows that the defendant has acted to his detriment on the faith of the payments received from the plaint iff. In other words, the change must involve a net loss. We will write a custom essay sample on Change of Position Defence or any similar topic only for you Order Now FACTUAL GAIN BUT NET LOSS * Even where a woman who had purchased new furniture and had got rid of her old furniture on reliance on her receipt, where the court accepted that she was factually enriched by her receipt since her net assets were worth more than what she had before, the change of position defence would nevertheless apply since if she was required to make restitution, she would be left with a net loss. * The mere fact that she continues to benefit from the money does not defeat the defence of change of circumstances. The furniture acquisitions represent replacement of items the plaintiff had in her possession when she would not have replaced the items except for the error. The expenditures were not to meet ordinary expenses or pay existing debts. (RBC Dominion Securities v Hills Industries)IS SPENDING ON ORDINARY LIVING EXPENSES CHANGING YOUR POSITION? In general, expenditure on ordinary living expenses will not be regarded as a detriment or that the defendant changed his position because the defendant has to prove that he acted differently from how he would have ordinarily acted on the faith of the belief that the benefit conferred by the plaintiff was the defendant’s to spend (Australian Financial Services amp; Leasing v Hills Industries) * However, a defendant is not precluded from relying on the defence of change of position merely because she has spent the money on ordinary living expenses, provided the expenditure is a substantial detriment stemming from her reliance on receipt of the payment. The defence can apply where the defendant does not simply spend the money on such expenses but applies for and is denied benefits to which she is entitled as a result of her receipt (TRA Global Pty Ltd v Kebakoska) In that case, the respondent had been made redundant by her employer who told her she was entitled to a redundancy payment equivalent to 12 weeks pay on severance and accordingly paid her the sum. She in fact had no such legal entitlement. She subsequently applied for unemployment benefits from Centrelink but was denied them because she had declared receipt of the redundancy money. She was forced to used the bulk of the redundancy money to pay living expenses until she found work eight months later. When the appellant employer sought restitution of the payment on grounds of mistake, the court held that the plaintiff had a defence of change of position despite having spent the money on ordinary living expenses since the expenditure is a substantial detriment stemming from her reliance on receipt of the payment and was denied benefits to which she was entitled as a result of her receipt. DISCHARGING AN EXISTING DEBT * It is not a detriment to pay off a debt which will have to be paid of sooner or later (RBC Dominion Securities v Dawson) In that case Mr Dawson had a Visa debt which he liquidated in a manner he would not have otherwise done had it not been for the mistake on the part of the appellant to overpay him. However, since the Visa debt and those to family members was incurred prior to the mistake, it would have been paid in any event and cannot be said to be to Mr Dawson’s detriment because the payment would be a payment of a debt already owed. (2) IRREVERSIBLY * The second element is that actual, non-speculative and irreversible detriment (Australian Financial Services amp; Leasing v Hills Industries) The nature of the change must be such that it cannot now be undone such as money received which has been irretrievably paid away or incurring unconditional contractual obligation as a result of receipt. In Australian Financial Services, the plaintiff fina nce company was duped by a fraudster and two of his companies into advancing money to several legitimate businesses including that of the second defendant to whom the fraudster and his companies owed money so as to discharge their debts. The plaintiff was led to believe that the purpose of the money being advanced to the defendants was to finance the purchase of equipment they were supplying to the first company when the equipment never existed. Each of the defendants was accustomed to receiving payments for their equipment from finance companies so they were not immediately suspicious of receiving money from the plaintiff. The plaintiff then claiming unjust enrichment against the defendants on the ground that it had made payments under the mistaken belief that the invoices made by the fraudster to the plaintiff, purporting to be from each of the defendants, were genuine and that it would obtain title to the equipment named in the invoices. * In this case, the court held for the defence of change of position to succeed that there must be evidence of an irreversible detriment. The second defendant having foregone default judgments already obtained against one of the fraudster’s companies was in reliance on receipt of the money from the plaintiff was such evidence. You read "Change of Position Defence" in category "Papers" * In TRA Global Pty Ltd v Kebakoska, the detriment to the plaintiff such that she was denied benefits to which she was entitled to stemming from her reliance on receipt of the payment was irreversible. In RBC v Dawson, the fact that the purchased new furniture and had got rid of her old furniture on reliance on her receipt would have caused her in the circumstances a loss that is unjust for her to bear and which is not easily reversible. * Thus it seems that the defendant must show at the very least, significant hurdles to getting the money back. (3) In reliance on the receipt/on the faith of receipt * This third element shows that there must be a causal correlation between the detriment suffered and the receipt of the payment. A BUT-FOR TEST IN UK * The mere fact that the recipient may have suffered some misfortune is not a defence unless the misfortune is linked at least on a but-for test with the mistaken receipt (Scottish equitable) There a variety of conscious decisions which may be made by the recipient in reliance on the overpayment. A CAUSAL CONNECTION IS SUFFICIENT IN AUSTRALIA – ONE CAUSE * In Co-Buchong v Citigroup Pty Ltd, it was held that for the purposes of a change of position defence, a payment is made ‘on the faith of the receipt’ if it is causally linked to the receipt. This requires that the payment would not have been made unless the receipt has been recognised as valid. There is no further requirement that the information upon which the payer was acting be such that, if it were true, the payer would have been entitled to pay the money away in the way that id did. * In this case, Citibank had received instructions purporting to be from the plaintiff to transfer 500,000 from his account to a second account in his name at the NAB. Citibank examined the instruction and determined that it was genuine and paid. NAB then received similar instructions to pay the money away to various overseas bank accounts. Here the instructions were all forgeries perpetrated by an unknown third party. Citibank claimed restitution of its payment to NAB on grounds of mistake. The issue was whether NAB was entitled to a defence of change of position and whether those payments had to various overseas bank accounts had been made ‘on the faith of its receipt’ of the money from Citibank. It was held that NAB did make those payments on the faith of its receipt and all that was required was a causal link between the payment and the receipt. The fact that a third party fraudster had instructed the bank to make out the payments should not necessarily negate the causal connection between the receipt and its payment so as to defeat the defence (rejecting State Bank v Swiss Bank Corporation) * In such a case, the bank’s good faith receipt may still be a cause of a change of position even if it was not the only cause and this should be enough. * This follows the reasoning in the NSWCA case of Perpetual Trustees Australia Ltd v Heperu. Perpetual had paid away sums to Mrs Cincotta funds represented by the units credited on the faith of the receipt of payments by the respondent who had been induced by fraud to do so. The respondents submitted that Perpetual had not proven that the payments of funds out of the account were made on the faith of the receipt because it paid out the funds represented by the account on the faith of what it was told to do by Mr Cincotta in the original forgery of Mrs Cincotta’s signature at the opening of account and in telephone redemptions. * This was construed to be far too narrow an analysis of what is meant by â€Å"on the faith of the receipt†. Payments on the faith of the receipt meant that they would not have been made unless the receipts had been recognised as valid. Just because there was the element of dishonesty of Mr Cincotta which also was the occasion for the withdrawal of funds, this did not negate the causal connection between the receipt and the payments. The change of position remain causally linked to the receipt. Thus while the test seems to involve a causation element, this is not a but for test but rather that the payments of the mon ey were caused or linked to the receipt of payments from the plaintiff. ANTICIPATORY EXPENDITURE – DOES IT COUNT? * Can a defendant be said to rely on the faith the receipt when there is anticipatory expenditure on the part of the defendant? * Can reliance be understood as something other than an essentially causal concept where the effect of the defendant’s expenditure follows the cause which is the defendant’s receipt of the enrichment? Or does it mean that the defendant can be said to have acted on the faith of the receipt where it had a reasonable expectation of receipt? * In the case of Dextra Bank, Dextra Bank drew a cheque on its bankers, Royal Bank of Canada in favour of the Bank of Jamaica. Dextra drew its cheque intending to lend the sum specified to the Bank of Jamaica against the security of a promissory note executed by the Bank of Jamaica. The Bank of Jamaica intended to buy the specified sum of US dollars in exchange for the equivalent in Jamaican dollars which it paid to individuals understood to be nominated by Dextra. Dextra sued BOJ for restitution of the moneys paid. BOJ claimed that it had the defence of change of position. However Dextra argued that BOJ was relying on actions performed by BOJ before it received the benefit from Dextra and this amounted to anticipatory reliance which could not amount to a change of position. The issue was thus whether anticipatory reliance on the plaintiff’s payment can amount to expenditure on the faith of the benefit of the payment and thus whether an effective change of position defence can be made out. * It was held that it is no less inequitable to require a defendant to make restitution in full when he has bona fide changes his position in the expectation of receiving a benefit which he in fact receives, than it is when he has done so after having received the benefit. The court thus held that there should be no effect on the availability of the change of position defence whether the payment is made when the benefit is received or on a reasonable expectation that it is to be received. Anticipatory expenditure can be recognised as payments made on the faith of the benefit of the receipt. This was also recognised in South Tyneside v Svenska Internation where the court held that it does not follow that the defence of change of position can never succeed where the alleged change occurs before the receipt of money, as seen from the facts of Lipkin Gorman where the defence succeeded despite the winning being paid out before getting other gambling bets in. * In Commerzbank, the court held that the relevant question in whether the change of position defence would succeed was whether his decision to change his position was caused or contributed to by the receipt of the payment. The crucial point the courts have emphasised is the causal relationship between the detriment and the receipt and not the strict when the detriment and the receipt or occurred. 4) In good faith * The defence is not open to a recipient who had changed his position in bad faith as where the defendant has paid away the money with knowledge of the facts entitling the plaintiff to restitution (Lipkin Gorman) * What is crucial to the good faith element is whether the payee had actual knowledge of all the facts constituting the wrongdoing or else had knowledge of such facts as would reasonably raise a suspicion of wrongdoing so that the payee was put on enquiry (Mercedes-Benz v National Mutual Royal Savings Bank Ltd) * Does a person act in good faith unless he acts dishonestly? (Niru) * NO. A person can act in bad faith where the recipient knows that the payer had paid the money to him as result of a mistake of fact or mistake of law and it will in generally be unconscionable or inequitable to refuse restitution. Just because he is not guilty of dishonesty does not ma ke him innocent. Will knowledge of the mistake bar the defence? * Waitaki- mere knowledge of the fact that the money is not due probably doesn’t bar the defence if d acts reasonably: d knew that the money was not its money to keep and in fact put the money on deposit, ready to repay. D was allowed the defence (albeit partially) when the money was lost through the collapse of the company with whom the sum had been deposited, even though it knew about the mistake when it put the money on deposit. * Lipkin Gorman: In cases where the payee had grounds for believing that the payment may have been made by mistake but cannot be sure, good faith may well dictate that an enquiry be made of the payer. The nature and extent of the enquiry called will of course depend on the circumstances of the case but I do not think that a person who has good reason to believe that the payment was made by mistake will often be found to have acted in good faith if he pays the money away without first making enquiries of the person from whom he received it. * English courts to date appear generally more relaxed about defendant fault, although they have tended to be thinking about fault with regard to the initial receipt of the money (â€Å"should defendant have known about the error†? ), as opposed to fault with regard to what is then done with it. * Whether fault is relevant to good faith? * In both Dextra and Niru, the CA aid that the defendant will only be denied the defence if he was in bad faith when paying away the money * The way the CA in Niru defines bad faith actually comes quite close to a negligence standard – acting in a â€Å"commercially unacceptable way† or with â€Å"sharp practice falling short of outright dishonesty†. If negligence in not realising the mistake is insufficient to bar the defence, then it seems unlikely that negligence in a decision about how to dispose of the money will be. Also, it would seem strange if a good faith payment to charity could give rise to the defence, but a good faith (but negligent) investment couldn’t? * A different approach is taken in NZ . In Waitaki, fault is relevant. The facts are that the defendant received 50,000. He takes the money and puts it into an investment with the finance company which eventually goes under. The bank then realises they paid him the money under mistake and sue him. * The defendant had relied on the receipt because the bank had forced him to take it. However he had never thought it was valid. The court held that the defendant had partly been at fault in the ultimate loss of the enrichment because he had chosen an insecure investment. Where defendant failed to obtain sufficient security for a risky investment, he had defence reduced by 10%. This introduces the uncertainties of the â€Å"contributory negligence† model of COP, which requires a relative balancing of the fault of p and d in proportioning the amount repayable. The approach was expressly rejected in Dextra as being â€Å"hopelessly unstable†. DEFENDANT WHO ILLEGALLY CHANGES HIS POSITION AS A WRONGDOER * Recently suggested that a defendant who changes position illegally is a ‘wrongdoer’ cannot invoke the defence (Barros Mattos) * The recent case of Barros Mattos now indicates this is highly likely to be the case. In reaching this conclusion, Laddie J drew support from Lord Goff’s ‘wrongdoer’ limitation in Lipkin Gorman: this indicates that defendant can be disqualified from the defence either because of his knowledge of the claimant’s rights before changing his position, or because the change of position itself is â€Å"wrongful†. * Should this affect civil wrongs? This result does not specifically affect restitution for wrongs, since civil wrongs are not considered illegal as such. Despite the concept of ‘illegality’ by its very nature being hard to define, it is clear from both Tinsley v Milligan [1994] 1 AC 340 and Nelson v Nelson (1995) 184 CLR 538 that it relates to claims which would run seriously counter to public policy. In Lipkin, Goff suggested that COP should not be open to wrongdoers, but it is not clear that he was referring to those guilty of an innocent breach of duty. DEFENDANT WHO INDUCES THE MISTAKEN PAYMENT IN THE FIRST PLACE * Deliberate: No defence- Goff in Lipkin Gorman- defendant will be in bad faith and bad faith precludes reference to the defence. Note that it is assumed in Niru that dishonesty is sufficient to amount to bad faith, even if it is not always necessary. It is clear from Niru that dishonesty amounts to bad faith, even if defendant can sometimes be in bad faith even where there is no actual dishonesty. * Negligent: No clear authority on this. Defence probably still available, but not if it amounts to â€Å"bad faith† as defined recently in Niru. There, defendant was denied defence on the basis that it had documents in its hands which were forgeries, which it ought to have realised might be forgeries and into which it had failed to make reasonable inquiries. This amounted to failure to act in a â€Å"commercially acceptable† way, tantamount to bad faith and denying the defendant access to the defence, even though defendant was not dishonest in the sense of appreciating the risk of fraud. It is arguable that in the light of Niru, plaintiff would be in a strong position to argue that the defence should be denied to defendant here on the grounds that defendant’s inducement was not â€Å"commercially acceptable† behaviour. * Innocent: Defence probably still applicable, since, if inducement was â€Å"innocent† in the sense of being non-negligent, it might be commercially acceptable behaviour, as per Niru. DOES THE DEFENCE ACT AS A COMPLETE DEFENCE? * No it can apply pro tanto. (Australian Financial Services amp; Leasing Pty Ltd v Hills Industries) * Meaning you give back to the extent of what you still have. * How does this compare with estoppel? * Estoppel by representation remains available as a total defence to restitutionary claims even in circumstances in which the defence of change of position is available. Properly understood, it does not undermine the defence of change of position as they are based on different elements. In estoppel, one had to prove representation and detrimental reliance. Whether one can plead estoppel however depends on how equitable it is for to make such a claim to the overpayment received. In TRA Global, the court held that equity may intervene to prevent the latter’s unconscientious assertion in certain circumstances. It may be inequitable to assert a full defence of estoppel when you are overpaid 1000 and remain in possession of 500 which was mistakenly paid to you. * Under a defence of change of position, your entitlement will be 500. | How to cite Change of Position Defence, Papers

Continuing Education

Question: There is too much emphasis on lectures and too little emphasis on helping health professionals enhance their competence and performance in their daily practice." Is this true? WHy or why not? What can we do to enhance competence and proformance through continuing education? Answer: Yes its true, there is too much emphasis on the lectures and too much little emphasizes on helping the health professional enhance competence. The reason to this has been due to the technological advancement in the current time (Hager, Russell Fletcher, 2008). An example with the use of internet it has helped these professional find answers to clinical questions with ease rather relying on their own performance. Moreover, there are no accreditation in the organization to promote teamwork or the alignment of CE to improvement of quality of health systems (Leach Fletcher, 2008). To add this there is the problem of growth link between CE and the commercial interests. References Hager, M., Russell, S., Fletcher, S. W. (Eds.). (2008). Continuing education in the health professions: improving healthcare through lifelong learning. Josiah Macy, Jr. Foundation. Leach, D. C., Fletcher, S. W. (2008). Perspectives on continuing education in the health professions: improving health care through lifelong learning. CHEST Journal, 134(6), 1299-1303.