Movie Analysis Military Science Fiction - 1172 Words

Military science fiction has grown up over the years. Gone are the days when a simple plot would suffice. Readers demand more of an intricate story, something they can proverbially sink their teeth into. They do not want something that can be read in hours. Because of this demand, story plots are more complex today than in previous years. In the stories presented this semester, storylines varied, but there was always once central theme: survival. Characters were built up more to accommodate the intricate plots. Themes have matured and reflect current world events. All these work together to provide the backbone of the stories. Over the past decade, story scenarios have become more enthralling to the reader. The adventures presented this†¦show more content†¦After quite an interesting conversation with a nine-meter-tall representation of Adolph Hitler, Old Guy found himself in battle with the Blade Fetish. He was ultimately saved by MegaHitler. Plots went deeper by placing a historical enemy that wanted absolution alongside a physical antagonist. In Combat Unit, a fighting Unit battled not only an unknown enemy, but also the unfamiliar surroundings it was in. Enemies were Story plots went deeper with the addition of a child in Ender’s Game. The survival of the human race was at stake and depended on the actions of a child winning a game. Survival of a race was still evident, but it rested on the ruthlessness of adults who pressured Ender into excelling at their game. Protecting planetary resources was one of the main plots of On Basilisk Station. Honor Harrington had to defend a species from an overzealous drug lord, while protecting her crew from different enemies. John Perry had to battle numerous foes in Old Man’s War. Each species had their own nuances and that complicated defending planets against them. All John â€Å"Black Jack† Geary wanted to do was get his fleet home. However, the enemy he was running from, the Syndics, m anaged to make it more difficult for him. It took extraordinary tactics to avoid them. Survival meant outsmarting a brilliant enemy. Through each story, the basic need for longevity took on various forms. It went from being quite simple to a complicated goal. Backstories had given more

Maintaining Healthy Life Prevent Occurrence of Disease Conditions

Question: Describe about the Maintaining Healthy Life for Prevent Occurrence of Disease Conditions. Answer: Introduction: Damasio (2015) describes homeostasis as the capacity, existing in every living organisms, of constantly maintaining definite functional variables within a array of values, harmonious with survival. However, another definition of homeostasis is stated as the active processes that facilitate ideal circumstances to be maintained for cells, in spite of recurrent alterations taking place inside and outside (Clancy McVicar, 2009). Imbalance in the homeostasis can lead to the impaired functioning of vital systems in the body and occurrence of the disease condition. Background information (Negative feedback, internal environment, receptor, controller and effector): Homeostasis purpose is to keep the body in a state of equilibrium and permit a degree of independence from the environment. In a human being, maintaining a stable internal environment can be harder than we believe as many factors contribute to this: body temperature, inner pH., inner concentrations of various ions, hydration, blood pressure and glucose level in the blood. The human body is in a constant state of maintaining homeostasis as we regularly eat, drink and sweat, which is affected by our intake of water, carbon and sugar. All of these intakes need to be controlled to provide a positive, constant internal environment. Human beings also have physiological mechanisms built into the body to assist with these factors which all affect the chemical reactions that maintain life (Doherty, 2006). The nervous system and hormones are responsible for this and when the equilibrium is susceptible or absent, there is a severe threat to the health of the patient (Waugh Grant, 2015). This imbalance causes the process of negative feedback to begin. This process occurs when certain regulatory systems become active to bring any abnormal balance back to their normal levels. All bodies have control systems which help us to maintain homeostasis and they detect change in the internal environment. The internal environment is extracellular fluid that flows persistently within the blood and lymphatic system and must have ideal levels of water, ions, gas and nutrients and its normal temperature and ideal pressure for the cells to stay healthy, as any disruption within these may lead to death (Rhoades Bell, 2012). Extracellular fluids of this internal environment constitute about one third of the total body fluid. The internal environment is controlled by careful absorption of fluids and mater ials across cell membranes present in the body. This absorption is under the control of the neuroendocrine system. Removal of waste is also an important factor for maintaining internal environment. These processes of absorption and removal, which comes under internal environment, are collectively called as homeostasis. A human body has thousands of control system which comprises of three basic components: a receptor, control centre and effectors. These components support different jobs, in order to manage the internal environment. These control systems operate to control functions of individual organs and its relation to the other organs (Clancy, McVicar, 2009). Mechanism of action: Role of the endocrine system in glucose homeostasis can be exemplified by insulin and glucagon. Glucose regulation is important in diabetic patients or patients prone to diabetes. This regulation of glucose is a part of the keeping body in homeostasis. Two hormones involved in the regulation of glucose are insulin and glucagon. These hormones are secreted by pancreas's Islets of Langerhans. Islets of Langerhans secretes these hormones directly in the blood flow. Glucagon is secreted by alpha cells which constitutes about 20 % and insulin is secreted by beta cells which constitutes about 70 % of the pancreatic islet cells (Brissova et al., 2005). Transmembrane receptors like G protein coupled receptors control secretion of insulin and glucagon from the pancreatic islet cells. Blood glucose in mainly regulated by the negative feedback mechanism (Berg et al., 2002). Glucagon plays its role in case of hypoglycaemia and insulin plays its role in case of hyperglycaemia. In case of hypoglyc aemia there is the fall of blood glucose level and subsequently alpa cells of the pancreatic islet cells get activated. As mentioned earlier, these alpha cells secrete glucagon which converts stored glycogen to the glucose. This process of conversion of glycogen to glucose is known as glycogenolysis. This process helps to maintain the normal level of blood glucose. When the blood glucose level is raised, it is called hyperglycemia. In the hyperglycemic state, beta cells of pancreatic islet cells come into the action. These beta cells secrete insulin, which maintains normal blood glucose level. Due to insulin, liver converts more glucose to glycogen and stored. This process of conversion of glycogen to glucose is called glycogenesis. Through Glucose transporter type 4 (GLUT4) receptor, insulin facilitates movement of glucose into the muscle and fat tissue cells. After entering into the cells, glucose is converted into the Glucose-6-Phosphate, which maintains the concentration gradient across the cell membrane and facilitate movement of glucose into the cells. Thus, insulin is the plays major part in the control of the glucose level and maintaining homeostasis in the body (Chang et al., 2004). Symptoms: Symptoms of hyperglycaemia include augmented thirst, hunger, frequent urination, sugar in urine, headache, blurred vision, and fatigue (Rutter Newby, 2015). Diagnosis: Diagnostic tests for hyperglycaemia comprises of random blood glucose, fasting blood glucose, oral glucose tolerance test and Glycated hemoglobin (A1C) test (Rutter Newby, 2015). Treatment: Treatments available for diabetes include insulin, metformin, sulphonylureas, thiazolidinediones, Alpha-glucosidase inhibitors, Dipeptidyl peptidase-4 (DPP4) inhibitors and Sodium-glucose co-transporter 2 (SGLT2) inhibitors. Future directions for the treatment of diabetes include stem cells like pluripotent stem cells, embryonic stem cells and adult stem cells (Rutter Newby, 2015). Current research and future directions: Current research is mainly focused towards investigating link between the diet induced obesity, hypertension, inflammation and hyperglycaemia. Because all these complications are interrelated and affects progression or cure of another complication. Future research for this endocrine disorder should be directed towards investigation the medication which can be commonly used in all these complications. This can be only possible, if scientist can find out a common target or pathway leading to all these complications (Long Dagogo-Jack, 2011; Colosia et al., 2013). Conclusion: Homeostasis is important aspect for the maintaining healthy life and to prevent occurrence of disease conditions. Homeostasis can be maintained by external factors like proper diet, environment and exercise and internal factors like maintaining proper functioning of endocrine and nervous system. As mentioned above, impaired function of endocrine system can lead to disease like diabetes. Diabetes is associated with other disease like obesity, hypertension and inflammation. Hence future direction of research should be directed towards investigating common target or pathway leading to all these diseases and developing drugs for these targets. References: Berg, J.M., Tymoczko, J.L., Stryer, L. (2002) Biochemistry. (5th Ed.). New York: W H Freeman. Brissova, M., Fowler, M.J., Nicholson, W.E., Chu, A., Hirshberg, B., Harlan, D.M., Powers, A.C. (2005) Assessment of human pancreatic islet architecture and composition by laser scanning confocal microscopy. Journal of Histochemistry and Cytochemistry, 53 (9), 108797. Chang, L., Chiang, S.H., Saltiel, A. R. (2004) Insulin Signalling and the Regulation of Glucose Transport. Molecular Medicine, 10(7-12), 6571. Clancy, J. McVicar, A. (2009). Physiology and Anatomy for Nurses and Healthcare Practitioners: A Homeostatic Approach. (3rd Ed.). Hodder Arnold. CRC Press. Colosia, A. D., Palencia, R., Khan, S. (2013). Prevalence of hypertension and obesity in patients with type 2 diabetes mellitus in observational studies: a systematic literature review. Diabetes, Metabolic Syndrome and Obesity: Targets and Therapy, 6, 327338. Damasio, A, (2015) Exploring the concept of homeostasis and considering its implications for economics. [Online] Journal of Economics Behaviour and Organisations. Uwe Library. [Accessed on 19/09/2016]. Doherty, B. (2006) Homeostasis Part 1 anatomy and physiology [Online] Nursing times, Available from: https://www.nursingtimes.net203292,fullarticle [Accessed on 19/09/2016]. Long, A.N., Dagogo-Jack, S. (2011). The Comorbidities of Diabetes and Hypertension: Mechanisms and Approach to Target Organ Protection. Journal of Clinical Hypertension, 13(4), 244251. Rhoades, R.A., Bell, D.R. (2012). Medical Physiology: Principles for Clinical Medicine. (4th Ed.). Lippincott Williams Wilkins. Rutter, P. Newby, D. (2015). Community Pharmacy ANZ: Symptoms, Diagnosis and Treatment. Elsevier. Waugh, A., Grant, A. (2015). Anatomy and Physiology in health and illness. Ross and Wilson. (2nd Ed.). Churchill Livingstone Elsevier.

African American History and Women Timeline

African American History and Women Timeline What have African American women contributed to American history? How have they been affected by historical events? Find out in the timeline, which includes these: events featuring African American womenbirth and death dates for many notable African American womengeneral African American events which had significant impact on African American women and families as well as menevents involving key women whose work influenced African American history, for instance the involvement of many European American women in anti-slavery workbirth and death dates for key women whose work was important in African American history, for instance in anti-slavery or civil rights work Start with the timeline period youre most interested in: [1492-1699]  [1700-1799] [1800-1859] [1860-1869] [1870-1899] [1900-1919] [1920-1929] [1930-1939] [1940-1949] [1950-1959] [1960-1969] [1970-1979] [1980-1989] [1990-1999] [2000-] Women and African American History: 1492-1699 1492 Columbus discovered America, from the perspective of Europeans. Queen Isabella of Spain declared all indigenous peoples her subjects, in the lands claimed by Columbus for Spain, preventing the Spanish conquerors from enslaving the Native Americans. The Spanish thus looked elsewhere for the labor they needed to take advantage of the New Worlds economic opportunities. 1501 Spain permitted African slaves to be sent to the Americas 1511 first African slaves arrived in Hispaniola 1598 Isabel de Olvero, part of the Juan Guerra de Pesa Expedition, helped to colonize what has since become New Mexico 1619 (August 20) 20 men and women from Africa arrived on a slave ship and were sold in the first North American slave auction by British and international custom, Africans could be held in servitude for life, though white Christian indentured servants could only be held for a limited term 1622 Anthony Johnson, son of an African mother, arrived in Virginia. He lived with his wife, Mary Johnson, in Accomack on Virginias Eastern Shore, the first free Negroes in Virginia (Anthony taking his last name from his original master). Anthony and Mary Johnson eventually founded the first free black community in North America, and themselves held servants for life. 1624 Virginia census lists 23 Negroes including some women; ten have no names listed and the rest only first names, likely indicating lifetime servitude none of the women are listed as married 1625 Virginia census lists twelve black men and eleven black women; most have no names and do not have the dates of arrival that most white servants in the census have listed only one of the black men and women has a full name listed 1641 Massachusetts legalized slavery, specifying that a child inherited its status from the mother, rather than the father, reversing English common law about 1648 Tituba born (Salem witch trials figure; probably of Carib not African heritage) 1656 Elizabeth Key, whose mother was a slave and father was a white planter, sued for her freedom, claiming her fathers free status and her baptism as grounds and the courts upheld her claim 1657 A daughter of a free Negro Anthony Johnson, Jone Johnson, was given 100 acres of land by Debeada, an Indian ruler. 1661 Maryland  passed a law making every person of African descent in the colony a slave, including all children of African descent at birth whatever the free or enslaved status of the childs parents. 1662 Virginia House of Burgesses passed a law that a childs status followed the mothers, if the mother was not white, contrary to English common law in which the fathers status determined the childs 1663 Maryland passed a law under which free white women would lose their freedom if they married a black slave, and under which the children of white women and black men became slaves 1664 Maryland became the first of the future states to pass a law making it illegal for free English women to marry Negro slaves 1667 Virginia passed a law stating that baptism  could not free slaves by birth 1668 Virginia legislature declared that free black women were to be taxed, but not white women servants or other white women; that negro women, though permitted to enjoy their freedome could not have the rights of the English. 1670 Virginia passed a law that Negroes or Indians, even those free and baptized, could not purchase any Christians, but could purchase any of their owne nation [race] (i.e. free Africans could buy Africans and Indians could buy Indians) 1688 Aphra Behn (1640-1689, England) published the anti-slavery Oroonoka, or the History of the Royal Slave, first novel in English by a woman 1691 The term white is first used, rather than specific terms like English or Dutchman, in a law referring to English or other white women. 1692 Tituba disappeared from history (Salem witch trials figure; probably of Carib not African heritage) [Next] [1492-1699] [1700-1799] [1800-1859] [1860-1869] [1870-1899] [1900-1919] [1920-1929] [1930-1939] [1940-1949] [1950-1959] [1960-1969] [1970-1979] [1980-1989] [1990-1999] [2000-]

buy custom Free Education in USA essay

buy custom Free Education in USA essay The United State of America has one of the best education system in the world. There are so many school districts in the U.S. and students receive support from the state federal and school board level. Students in public schools are entitled to free tuition while those in private schools pay their wholesome fees directly to the school. This paper discusses why the free education essay in the U.S. is immensely helpful to students with geographical and financial limitations, the plan and effect in the future. The education in the US, unlike most of the other countries, is highly decentralized which leaves the federal government and the Department of Education with little involvement in determining educational and curricular standards. The seniors have left this to state and local schools. However, this does not apply with the recent No Child Left Behind Act. The government acquires this fund for free tuition in public schools from taxes. Some people face geographic and economic constraints, which excludes them, from higher learning. However, with the help from volunteers aided by advanced technological developments, however, they are able to access a tuition-free online education in an area that is within the reach of the university offering it. For instance, the University of the People in Pasadena CA is a tuition-free post secondary education in order to ensure that students beat their financial and geographical limitations to acquire higher learning. Currently, the government has already started the implementation of Race to the Top, a program intended to raise the standard of poorly performing schools. This program involves raising teachers motivation by rewarding them according to their outstanding performance while improving the low-performing schools at the same time. Additionally, the U.S., being a major host of immigrants has passed a bill that will enable illegal immigrants in the country to access financial aid to fund their studies. To accomplish these goals, the president plans to reform the education system. He plans to increase access to higher education and its success by restructuring the college financial aid and expanding it dramatically. He also plans to make federal programs simpler, more efficient and more reliable for the students. Additionally, he has a plan of investing in community colleges so as to equip a greater proportion of young people with education and high-demand skills for the emerging industries. Since teachers are the main, vital resources in childrens learning, more will be invested in innovative strategies to help them improve on the students outcome; and use of rewards and incentives to retain the talentted teachers in those schools that need them most while recruiting the brightest, best teachers to this field. Also, the states will see through the expansion and reform of high-quality charter schools. I believe that by establishing such a strong education system and funding it, it will have a positive impact to the future of the Americans as individuals; as well as the effect on the economy positively. By making education more affordable, the governments plan is to ensure that America will go back to the right track; to have the highest number of college student grandaunts in the world by the year 2020. Secondly, regardless of the educational path taken after high school, all Americans will be able to join at least a year of job training or higher education. This will consequently prepare a better workforce for the 21st century economy; which means that most of the population is expected to be self-dependent. In conclusion, the USA free education system is well-planned and extremely helpful to students with financial and geographical constraints. The government plans to support more innovation and reform in the education system; increase students access to financial aid; recruit and retain best teachers and encourage more advanced studying. This will ensure a more-learned America, experienced workforce leading to a great economy. Buy custom Free Education in USA essay

CAPM, ICAPM and Multifactor Models Essay Example | Topics and Well Written Essays - 1250 words

CAPM, ICAPM and Multifactor Models - Essay Example Later on research was conducted and the creators of CAPM theory related diversifiable which are unsystematic risks and non-diversifiable which are systematic risks for all the securities in the portfolio. Some management individuals conceived that CAPM is not genuine as it dominates participating management and investment study. Fabozzi and Markowitz (2002) state â€Å"even though the idea is not true it does not mean that the constructs introduced by the theory are not important. Constructs introduced in the development of theory include the notion of a market portfolio, systematic risk, diversifiable risks and beta.† CAPM helps to comprehend the fundamental risk-return trade-offs implied in all cases of financial determinations (Gitman, 2006). The international capital asset pricing model (ICAPM) takes into account countries as stock lists in world market is founded on capital asset pricing model. The difference in the methodical risks of countries results in the differences in excess returns. Previous experiential reports of international CAPM models did not find much proof to back up the model. The bond returns mirror alterations in the cost of bonds as well as coupons. Actually domestic regular risk can be branched out by investing internationally without paying off price in terms of lesser returns. With this viewpoint it is clear that the results got by ICAPM are so helpful to spread portfolio for international portfolio investors. If cross-sectional disparity in anticipated returns can be explicated by the ICAPM, the outcomes can be applied to assess capital market integration. The beginning point of ICAPM is that the construction of the theory of international finance for the most part reflects that of domestic financial theory (Adler and Dumas, 1983). Actually ICAPM normally takes into account the world market portfolio as an alternative to domestic market portfolio. Solnik (1974) also suggests that composite models

Business Strategic Report Essay Example | Topics and Well Written Essays - 2500 words

Business Strategic Report - Essay Example So this is a platform which helps them in their exposure to the real world. The report is understanding the strategy of P4CK and also look into the external environment of the packaging industry. PESTLE is a memory helper which in its extended structure means P for Political, E for Economic, S for Social, T for Technological, L for Legal and E for Environmental. It gives a million of perspective of the entire environment from numerous diverse edges that one needs to check and keep a track of while pondering on a certain thought/plan (Oldroyd, 2004). All the parts of this procedure are pivotal for any industry a business may be in. More than simply understanding the business, this structure speaks to one of the vertebras of the spine of strategic management that characterizes what an organization ought to do, as well as records for an associations objectives and the methodologies stringed to them. It might be thus, that the significance of each of the variables may be diverse to various types of businesses, yet it is basic to any procedure an organization needs to create that they lead the PESTLE analysis as it structures a substantially more complete form of the SWOT analysis. The UK has a statutory maker obligation administration for packaging. This places a lawful commitment on organizations which make or use packaging to guarantee that an extension of the packaging they put available is recouped and reused. To help individuals and associations capitalize on chances to spare cash by decreasing waste, the government has distributed the Waste Prevention Program for England. The expense of keeping up labourers may be affected by the change in future pay rates as it builds consistently. The National Minimum Wage rises consistently, has gone up from  £5.93 in 2010 to  £6.50 presently. Worldwide packaging deals are anticipated to climb by 3% in 2013 and develop at a yearly rate of 4% to 201 Because of the peril issue the more

The Impact Of Asymmetric Information And Adverse Selection Finance Essay

The Impact Of Asymmetric Information And Adverse Selection Finance Essay Nowadays financial intermediations play the important role in the economy. Firms and individuals can find sources to finance its new project. Also lender can invest their money in secure positions. Financial intermediations raise funds from the depositors for short term and lend them to the borrower for long term. The main job of those institutions is to provide finance through taking extra risk. So there are three parties engaged in those investments process. The lender or the depositor could lend his money on secure way and low cost. The borrower can find the finance of his project. The financial intermediation manages the process of those transactions. The question now is that why do lender and borrower need financial intermediation to manage this relationship. Why do not they do it directly without a third party? The answer of this question needs to know the main reasons why financial intermediations exist. There are three reasons explain this issue. First reason is that, the dif ferent requirement of those two parties. Second reason is the transaction cost. Finally is the asymmetric information. In this assay we will focus on the asymmetric information as a reason of the existence of the financial intermediation. Also, in this essay I will first explain the Asymmetric information, adverse selection and moral hazard. Then I will brief some empirical study about the issue of the effect of Asymmetric information to represent the importance of this issue. Also, I will explain the effect of the transaction cost because it has relation with the information cost to avoid unobserved information. Finally, I will explain the financial intermediary natural and their role in guiding the financial process. My conclusion refers to the importance of financial institutions to avoid asymmetric information. I am also touched upon the difference between the risk transferring and risk sharing and the fails of those conventional institutions in the last financial crisis. I reco mmended Islamic industry is an alternative to those convectional ones which can be able to withstand during the crisis because they works as a partner with their consumer and they share the risks with them. The impact of Asymmetric information, adverse selection, and moral hazard on the lender. It is important to the lender to have the good quality and quantity information about the borrower to be in the save side. When the information is poor that means there will be risk exist. Asymmetric information is an important concept in finance and needs to be understood. It means said Bucle (1998); the information refers to the situation where one party has more information than the other party. This is a problem with most types of transactions, financial or non financial transactions. In the Case of a financial transaction, the borrower will have more information about the Risks and return of the investment project for which funds are being borrowed and the lender do not have the same information the borrower does. So it may leads to actual conflict. Asymmetric information more affect lender, before he gives loan to the borrower and after. Adverse selection is the result of asymmetric information which means a bad selection with high risk of default. The adverse selection refers to the borrower with adverse return. Also, the second result of asymmetric information is moral hazard continued Bucle (1998). The lender will face this particular problems, in which always happened after lending. This problem is described as bad behaviour that accurse when the lender take the money from the lender and because the money is not belonged to him he will use it badly. He will use it for risky activities. As a result the lender will be at risk of losing his money. Karlan and at al (2005): investigate the moral hazard and adverse selection in credit market in South Africa. The random sample of 58000, of male and female, direct offers mail used by a larger lender in South Africa by three classes. First, offer interest rate. Second, contract interest rate which is equal or less the offer interest rate and revealed to more than 4000 borrowers that agreed to the first offer rate. Finally, a dynamic repayment with a good price on future loans for borrowers still in a good positions. These three stages supported by full information given to the lenders. The study setup distinguishes adverse selection from moral hazard impact on repayment. The result found that approximately 20% of default is because asymmetric information problems. Another empirical study of the impact of asymmetric information conducted by Gaul and at al (2008) investigate the effect of unobservable information on corporate loan market, and if the borrower gives the lender the incentive to reduce the asymmetric information effects. The study used a regression to give evidence of a positive relationship between some measure of loan borrower by lender, contract terms, negotiating loans, and the amount of non- publicly information. The study found that, moral hazard and adverse selection problems do exist in the corporate loan market. As a result of asymmetric information, adverse select, and moral hazard is the transaction cost. So what do we mean by transaction cost? Bucle (1998) counts four types of transaction costs which are as follows. Firstly, search cost, the borrower and the lender will be affected by high cost of searching for accurate information about each other to avoid risks associated to default and loss money. Also, verification costs, which mean the cost that accrues when lender tries, ensure that information he has is true. Furthermore, monitoring costs, the lender after given loan to the borrower should follow the borrower activities to make sure he will be able to make payment as agreed. Finally, enforcement costs, in case of default the lender wants to ensure that the lender can be enforced to get the money back. The importance of the financial intermediaries The financial intermediation is the entity which in a med position between two parties and manage the financial transaction between them. Commercial banks, investment banks, stock investing services, insurance providers, etc are examples of the financial intermediation. So we can imagine the importance of those entities. For example banks, it does the important role. Banks obtain funds from depositors and then lend those funds to borrowers. Also provide financial services said Fraser and et al (2001). Also individual as lender can get fixed income at cheaper cost. Also, when the lender uses the financial intermediary he wont need to bear those costs. He does not have to spend money and time for collecting information to find good borrower. Moreover, he can get his money back at any time he want it. Also he does not have to bear risks of default the borrower and other risks because the risks are borne by the bank. Always banks have information and policy system about their clients and diversify their investment in case mismatching the maturities of their assets and liabilities said Saunders (2008). Saunders and et al (2008) said because of costs of monitoring, liquidity, and price risk, as well as for some other reasons, savers often prefer to hold the financial claims issued by FIs rather than those issued by corporations. Diamond (1984) developed a model of delegate monitoring. Financial intermediary acts as monitor by promising the lender a fixed income and monitor the borrower activity to fulfil the lender the promise said Allen at al (2008). Another model developed by Boot and Thakor (1997) about delegated monitoring. They assume that, there are three kind of information. First, incomplete and unclear information about the future activity that the borrower is going to do and they suggest the solution is using financial market to obtain this information. Second the lender does not have information about the lender activity in term of invest the money in safe or risky project, and they suggest the solution by intermediary. Finally, borrower might have the chance to invest in a risky project and also they suggest the solution by intermediary said Allen at al (2008). Conclusion and recommendations: In conclusion, financial intermediaries do not exist by chance the economy has found them. As it shows above it exist because the need of the two separate parties and these parties represent the structure of the economy in any country. Borrower wants to have finance in his new project. Also lender need to be safe from asymmetric information, adverse selection of borrower and moral hazard and it is the financial intermediarys main job. To collect information about the borrower is not an easy task. It contains high cost for the small lenders which prevents him to invest his money. Also, he cannot give his money to the wrong person or firm. Financial intermediary could do this job on behalf of the investor. This job can be done by financial intermediaries in a low cost because of the large number of the customer they deal with. Also they act as specialist to this kind of financial transactions. However, financial intermediary is not always the haven. It has also risks of default, credit risk, liquidity risk, and etc. As we experience in the last financial crisis and the collapse of the biggest financial institutions around the world as a result of transferring risk. I think Islamic banks are the solution. They share risks instead of transfer them. Every party have to bear part of the risk to be able to continue. Transferring risks are not the solution, which means party will have nothing and other will have everything as a result part of the economy, will continue and the other part will collapse. Lets imagine the collapse party is the banks. So, the crisis will extend to the economy as a whole.