“How to Poison the Earth” Analysis Essay

â€Å"How to poison the earth† Saukko essay In How to Poison the Earth, the author Saukko uses sarcasm, satire, and ironic text in order to capture the readers attention and make them understand her purpose in the essay, which is to show people the future of out planet. From the very start, her thesis is very straight forward and grabs your attention right away. â€Å"Poisoning the earth can be difficult because the earth is always trying to cleanse and renew itself. A sense of sarcasm is noticed in the authors tone as she is stating that even though we have al these toxic chemicals like uranium-238 which is takes million of years to dipsose, and nuclear power plants that create hundreds of plutonium each ear. It is still not enough for the earth to be polluted is ironic. Next she transitions into a step-by-step guide on different ways to put these substances around the earth environment. By means of injection into the soil, where it then travels to the water, and then into t he air.Which will come back tot the ground in the form of rain thus creating a endless cycle of chemical revolving polluting the earth. She adds data and statics in order to demonstrate the massive amount of toxic substances that is occurring in reality. It is not exaggerated as the info is collected from the EPA (Environmental Protection Agency) She then links the ocean with her thesis by stating that it is the hardest to contaminate due to it ability to â€Å"neutralize some† of the substances as well as its large capacity.Which allows it to be the best long term storage as she says â€Å"we must use the ocean as a dumping place for as many toxins as possible. † Using ironic text to grab the readers attention with her true purpose. All in all, Linnea saukko use of satire, sarcasm, and ironic text in order to convey her message to the audience works. As a in direct way or vague in hope that the reader will catch on to her purpose and make the reader understand that th e earth is being polluted in a larger scale that what we perceive.

Free Essays on Same Sex Marriages

Same Sex Marriages The proposed legalization of same-sex marriage is one of the most significant issues in contemporary American family law. Presently, it is one of the most vigorously advocated reforms discussed in law reviews, one of the most explosive political questions facing lawmakers, and one of the most provocative issues emerging before American courts. If same-sex marriage is legalized, it could be one of the most revolutionary policy decisions in the history of American family law. The potential consequences, positive or negative, for children, parents, same-sex couples, families, social structure public health, and the status of women are enormous. Given the importance of the issue, the value of comprehensive debate of the reasons for and against legalizing same-sex marriage should be obvious. Marriage is much more than merely a commitment to love one another. Aside from societal and religious conventions, marriage entails legally imposed financial responsibility and legally authorized financial benefits. Marriage provides automatic legal protections for the spouse, including medical visitation, succession of a deceased spouse's property, as well as pension and other rights. When two adults desire to "contract" in the eyes of the law, as well a perhaps promise in the eyes of the Lord and their friends and family, to be responsible for the obligations of marriage as well as to enjoy its benefits, should the law prohibit their request merely because they are of the same gender? I intend to prove that because of Article IV of the United States Constitution, there is no reason why the federal government nor any state government should restrict marriage to a predefined heterosexual relationship. Marriage has changed throughout the years. In Western law, wives are now equal rather than subordinate partners; interracial marriage is now widely accepted, both in statute and in society; and m... Free Essays on Same Sex Marriages Free Essays on Same Sex Marriages Same Sex Marriages The proposed legalization of same-sex marriage is one of the most significant issues in contemporary American family law. Presently, it is one of the most vigorously advocated reforms discussed in law reviews, one of the most explosive political questions facing lawmakers, and one of the most provocative issues emerging before American courts. If same-sex marriage is legalized, it could be one of the most revolutionary policy decisions in the history of American family law. The potential consequences, positive or negative, for children, parents, same-sex couples, families, social structure public health, and the status of women are enormous. Given the importance of the issue, the value of comprehensive debate of the reasons for and against legalizing same-sex marriage should be obvious. Marriage is much more than merely a commitment to love one another. Aside from societal and religious conventions, marriage entails legally imposed financial responsibility and legally authorized financial benefits. Marriage provides automatic legal protections for the spouse, including medical visitation, succession of a deceased spouse's property, as well as pension and other rights. When two adults desire to "contract" in the eyes of the law, as well a perhaps promise in the eyes of the Lord and their friends and family, to be responsible for the obligations of marriage as well as to enjoy its benefits, should the law prohibit their request merely because they are of the same gender? I intend to prove that because of Article IV of the United States Constitution, there is no reason why the federal government nor any state government should restrict marriage to a predefined heterosexual relationship. Marriage has changed throughout the years. In Western law, wives are now equal rather than subordinate partners; interracial marriage is now widely accepted, both in statute and in society; and m... Free Essays on Same Sex Marriages Legality of Same-Sex Marriages The proposed legalization of same-sex marriage is one of the most significant issues in contemporary American family law. Presently, it is one of the most vigorously advocated reforms discussed in law reviews, one of the most explosive political questions facing lawmakers, and one of the most provocative issues emerging before American courts. If same-sex marriage is legalized, it could be one of the most revolutionary policy decisions in the history of American family law. The potential consequences, positive or negative, for children, parents, same-sex couples, families, social structure public health, and the status of women are enormous. Given the importance of the issue, the value of comprehensive debate of the reasons for and against legalizing same-sex marriage should be obvious. Marriage is much more than merely a commitment to love one another. Aside from societal and religious conventions, marriage entails legally imposed financial responsibility and legally authorized financial benefits. Marriage provides automatic legal protections for the spouse, including medical visitation, succession of a deceased spouse's property, as well as pension and other rights. When two adults desire to "contract" in the eyes of the law, as well a perhaps promise in the eyes of the Lord and their friends and family, to be responsible for the obligations of marriage as well as to enjoy its benefits, should the law prohibit their request merely because they are of the same gender? I intend to prove that because of Article IV of the United States Constitution, there is no reason why the federal government nor any state government should restrict marriage to a predefined heterosexual relationship. Marriage has changed throughout the years. In Western law, wives are now equal rather than subordinate partners; interracial marriage is now widely acc... Free Essays on Same Sex Marriages Each individual’s journey through life is unique. Some will make the journey alone, others in loving relationships-maybe in marriage or other forms of commitment. We need to consider our own choices and try to understand the choices of others. Love has many shapes, forms, and colors, yet many people have a hard time coming to that realization. The article, â€Å"State of the Union†, written by John Riley and appearing in Newsday on November 19, 2003, addresses the issues and decisions made about same-sex marriages. On November 18, 2003, Massachusetts’ highest court declared that same-sex couples have a constitutional right to marriage, becoming the first nation to declare this. Many people, both in favor of and against this decision, were interviewed and spoke out as to why they feel how they feel. The real question this article poses is, should same-sex couples have the same rights to marriage as opposite-sex couples? There are many different viewpoints and theories related to this ethical dilemma, which include egoists, social contract theory (Thomas Hobbes), consequentialist and utilitarian beliefs, Immanuel Kant and deontological ethics, and virtue ethics. Each viewpoint and system of belief differs from another, yet they all make very strong, convincing points. Egoists only do what would be in their own best interest to do. They believe that by acting selfishly, one creates a better world. Based on these and many other beliefs of theirs, they would be absolutely one hundred percent against same-sex marriages. Same-sex marriages only really benefit those individuals getting married so there is no rational reasoning as to why egoists would support this decision and they don’t. It is no direct benefit to society or anybody else involved and therefore egoists would not be in favor of this. They are not gaining anything by this Massachusetts’ highest court decision. Also, this court aided gays and lesbians in man... Free Essays on Same Sex Marriages Should Homosexual couples be given the same marriage rights as Heterosexual couples ? Tami Frost Kaplan College The institution of marriage has had an elongated and blemished past. Not always called marriage this sacred state had slipped through history under many impersonations and categories. Monogamy - summarizes an union of male and female or todays same sex couples, so long as the partners are only sleeping with one another. Polygamy - is the practice of one man or woman with numerous spouses of the opposite sex. Often, the need for this type of arrangement came from times of war, affliction or other disaster. Polyamory - is a multiple-partnered marriage whereby the partners get together out of love. Common-Law - is the relationship of a couple without legal ceremony or license. The Puritans moved marriage to a point where love counted and delighting in the state of marriage became commonplace, yet extremely committed. The Victorian period dragged marriage into the closet. Sex was something embarrassing and improper with a quiet understanding that married couples engaged in marital relations, without pleasure and as duty and God dictated for the purpose of procreation. Until as recently as 20 years ago, in some areas of North America women still needed a husband’s signature to obtain a credit card or mortgage. Things have certainly changed.Virtually all scholars agree that we have witnessed a major transition in the meaning of marriage in the years from 1600 to 1995. In 1600, marriage for almost all Europeans and Europeans in America was primarily an economic arrangement negotiated among families in which family considerations of status, future economic stability, and prosperity were the most important considerations in selecting a potential spouse. By 1995, most Americans consider the primary purpose of marriage to be a commitment to emotional and psychological suppor... Free Essays on Same Sex Marriages Abstract Same-sex marriages: A Multivariate Study The recent upsurge in same-sex marriages has been linked to society’s assessment in relation to society’s normative level. Evaluating the variables of the laws that prohibit same-sex marriages from occurring provides information to help society change its perception of same-sex marriages. The study of same-sex marriage helps explore how gay couples are perceived in society. The results support the conclusion that the special laws that concern same-sex couples are not legal. The current acceptance of an idea of gay couples is perceived positively as a regular couple would be perceived. The frustration associated with sex-same marriage that yields little hope of achieving the â€Å"ideal† may provide a key in understanding how same-sex are formed in society was associated with negative image in this study. Negativity was associated with dissenting opinions of gay couples. Negative societal reaction, allied with disapproving attitudes toward gay couples. This status is associated with an array of negative charasterics, not least of which is self-contempt. Table of Contents Dedication 1 Abstract 2 Chapter 1: An Introduction to Cohabiting Gay Couples 3 Chapter 2: The Application of Society’s Perception of Gays 6 Chapter 3: The Society’s Perception of Cohabitating Couples 14 References 15 Chapter 1: An Introduction to Cohabitating Gays Couples In the year of 1995, there were over 1.5 million gay or lesbians living together. The r... Free Essays on Same Sex Marriages Same sex marriages The debate over gay marriage is heating up, with San Francisco’s mayor Gavin Newsom decision permitting same sex marriages in a Francisco and the Massachusetts court decision in favor of gay marriage. There can definitely be seen a trend toward the legalization of same sex marriage but there are still hurdles that have to be passed which are guarded by the conservative right. Opponents of gay marriage are giving ridiculous arguments against same sex marriages while avoiding the real reasons behind their refusal which is prejudice, fear, religion, and homophobia. Looking at the struggles the gay community is having trying to be accepted into society as equals is compelling, ever since the early seventies gays have been trying to receive, among other rights, the right to marriage and its benefits and while all other civil right are protected by the 14th amendment somehow the right to marriage has been separated from all the other rights. The arguments against same sex marriage are weak at best, and they do not justify a discrimination against homosexuals. People, weather gay or not, should have the same rights in all aspects of life. The main argument for same sex marriage is that it is a civil right issue and just as miscegenation laws were voted out so does any law that produce separate system of benefits for people according to their sexual preferences. This should be abolished as it discriminates against the minority and is unconstitutional. Arguing that this right is not being infringed upon, because gays can choose not to be gay and to marry a person of the opposite sex at any time is ridiculous. There are various faults in this argument, for start it is based on the idea that homosexuality is fixable and that gays choose to be gay. The fact is that most studies have proven otherwise, none of the so called methods of curing homosexuality has been proven to work. Most experts agree that weather ... Free Essays on Same Sex Marriages Same Sex Marriage â€Å"I do,† these words change people’s lives forever. Whether this phrase is coming from a heterosexual couple or a same-sex couple, it should not be an issue. However, in today’s society this matter has become a reality. It is a constant battle for homosexuals to live with the limitations society imposes on them, such as the ability to marry. The homosexual community faces this problem of discrimination everyday, in which it is illegal for them to live a life of legal monogamy much like heterosexual couples. Same-sex marriages deserve to be legalized in this country. People need to face reality and what the future holds. Society also needs to start worrying about more important issues such as child abuse, terrorism, and sexual abuse, rather than two men â€Å"tying the knot† or two women devoting the rest of their lives to each other. Love is a human right and it should not be taken away from anyone, whether they are gay or straight. Homosexual c ouples should be entitled to the same marriage rights as heterosexual couples. If there is such a thing called separation between church and state, why does it not apply to this concern? The Christian religion and numerous other religions believe homosexuality is a mortal sin. However, if the leaders of these religions would research their material better, they would find Jesus was never given credit for any statement regarding homosexuality. The only piece mentions of homosexuality, the Christian Bible found in the Book of Leviticus. Leviticus says that, â€Å"No man should lay with a man as he lies with woman†, which many scholars now believe was referring to gay prostitutes and not gay persons in general. (King James, Chapter 17). The correlation between the laws of our government and the beliefs of some religions intertwine, which is unconstitutional. If we live in America, the land of the free, the land of opportunity, and the land where the governm...

Firefighter Essays

Firefighter Essays Firefighter Essays Domestic Fires.† National Dangers. Georgia Line, 23 Jan. 1/â€Å'/â€Å'09. Web. 23 Aug. 2011. firefighters.edu. Fire fighters spend much of their time at fire stations, which are usually similar to dormitories. When an alarm sounds, fire fighters respond, regardless of the weather or hour. Fire fighting involves a high risk of death or injury. Common causes include floors caving in, walls toppling, traffic accidents, and exposure to flame and smoke. Fire fighters also may come into contact with poisonous, flammable, or explosive gases and chemicals and radioactive materials, all of which may have immediate or long-term effects on their health. For these reasons, they must wear protective gear that can be very heavy and hot. I learned a lot of information from this piece, tells me a little bit more about what firefighters deal with. This will be very useful to me, in my Senior Project. Ellyn, Glen Lewis. â€Å"How to Become a Firefighter.† Academic Programs. College of DuPage, 2 Mar. 3/â€Å'/â€Å'. Web. 24 Aug. 2011. http://home.cod.edu//â€Å'programsDegrees//. Firefighters today do much more than fight fires. They provide rescue services, handle hazardous chemical emergencies and conduct fire prevention, investigation and inspection activities. Firefighters also do most of the cleaning and maintenance work required to keep their tools, equipment, buildings and apparatus ready for immediate response. Many Illinois communities depend on their fire departments to provide emergency medical services and sometimes ambulance services. If you become a firefighter, you will be assigned to a team, called a â€Å"company,† that provides some or all of these services. This information was not very helpful to me. I have already read, and learned about this. â€Å"FireFighters.† Bureau of Labor Statistic. United States Dept. of Labor, 17 Dec. 2009. Web. 22 Aug. 2011. bls.gov//â€Å'ocos329.htm. During duty hours, fire fighters must be prepared to respond immediately to a fire or other emergency. Fighting fires is complex and dangerous and requires organization and teamwork. At every emergency scene, fire fighters perform specific duties assigned by a superior officer. At fires, they connect hose lines to hydrants and operate a pump to send water to high-pressure hoses. Some carry hoses, climb ladders, and enter burning buildings, using systematic and careful procedures, to put out fires. This information is very useful to me, because it gives me a little of an idea how Firefighters work. This information will help me in my research to describe to people what firefighters do. â€Å"Fire Information.† Fire Nation. Golden South, 11 Apr. 4/â€Å'/â€Å'2008. Web. 25 Aug. 2011. firenation.com. Fire marshals and fire inspector s work to prevent fires. They conduct building inspections. They make sure that laws about fire safety are followed. They also work with builders and city planners. They often visit schools to teach fire safety. Fire investigators study fires to see how they started. They collect evidence from the scene and talk to witnesses. Fire fighters live at fire stations much of the time. Most fire stations have living rooms, kitchens, and bedrooms. When the alarm sounds, fire fighters must respond rapidly. Fire fighting is dangerous work. During a fire, floors can cave in and walls can topple. Flames and smoke can burn or kill. Fire fighters may come in contact with poisonous gases or other hazardous materials. To protect themselves, fire fighters wear protective gear which can be heavy and hot. Many fire fighters work more than 50 hours a week. Their hours are often longer and more varied than the hours of other workers. In some agencies, fire fighters can be on duty for 24 hours straight. This section is very helpful to me. This would be great in my project. â€Å"Fire Safety.† Kids Zone. Rescue 1, 5 Oct. 10/â€Å'/â€Å'2006. Web. 25 Aug. 2011. firesafetyforteens.org/safety-rules.html. -

Colored Fire Spray Bottles

Colored Fire Spray Bottles In the pilot episode of Breaking Bad, chemistry teacher Walt White performs a demonstration in which he changes the color of a bunsen burner flame by spraying the flame with chemicals. You can perform the colored fire demonstration yourself. All you need are some common chemicals, alcohol, and spray bottles. Here is a list of metal salts you can use to (safely) color fire. The chemicals have low toxicity and any smoke produced wont be any better/worse for you than normal wood smoke: Colored Fire Chemicals Heres a list of common chemicals and the colors of flames they produce: Dark red lithium chlorideRed strontium chloride (found in emergency flares)Orange calcium chloride (a bleaching powder)Yellow sodium chloride (table salt) or sodium carbonateYellowish green borax (sodium borate, a common insecticide and cleaning agent)Green copper sulfate (found in some pool and aquarium chemicals)Blue copper chloride (lab chemical, but other copper compounds found in algicides and fungicides may work)Violet 3 parts potassium sulfate, 1 part potassium nitrate (saltpeter)Purple potassium chloride (sometimes sold as a salt substitute)White magnesium sulfate (Epsom salts) Prepare the Flame Colorants If you were just coloring a campfire or other wood fire, you could simply sprinkle the dry metal salts onto the fire. Copper chloride is especially nice for this since the sodium that is naturally present in wood causes this chemical to produce a mix of blue, green, and yellow flames. However, for the gas flame in a burner, you need the salts dissolved in a flammable liquid. The obvious choice here is alcohol. Common alcohols found around the home could include rubbing alcohol (isopropyl alcohol) or ethanol (e.g., in vodka). In some cases, the metal salts will first need to be dissolved in a small volume of water and then mixed with alcohol so that they can be spray onto a flame. Some salts may not dissolve, so what you can do is grind them into a fine powder and suspend them in liquid. Do not spray alcohol or any flammable chemical across a flame toward people! Safety Information While the colorants used in this demonstration are generally safe, this project involves flammable materials and flames. There is an innate risk of burns and uncontrolled fire. Be sure to have a working fire extinguisher handy, wear appropriate safety gear, and maintain a safe distance between the demonstration and the demonstrator/audience. Flames involving alcohol may be extinguished with water, by suffocation, or with any fire extinguisher. The demonstrator is advised to wear low-flammability clothing (typically natural fibers) rather than flammable synthetic clothing. A little preparation makes for a safe and memorable demonstration that will raise interest in chemistry! Disclaimer: Please be advised that the content provided by our website is for EDUCATIONAL PURPOSES ONLY. Fireworks and the chemicals contained within them are dangerous and should always be handled with care and used with common sense. By using this website you acknowledge that ThoughtCo., its parent About, Inc. (a/k/a Dotdash), and IAC/InterActive Corp. shall have no liability for any damages, injuries, or other legal matters caused by your use of fireworks or the knowledge or application of the information on this website. The providers of this content specifically do not condone using fireworks for disruptive, unsafe, illegal, or destructive purposes. You are responsible for following all applicable laws before using or applying the information provided on this website.

Participles and Perfect Verb Tenses

Participles and Perfect Verb Tenses Participles and Perfect Verb Tenses Participles and Perfect Verb Tenses By Maeve Maddox Some comments I received on the post about the forms of the irregular verb drink indicate that not everyone is clear as to how participles are used to form verb tenses that use the helping verbs has, have and had. Heres a review. Participles are verb forms, but they are incomplete. In order to function as real verbs, they must be used with helping verbs. English has two participles: the present participle and the past participle. The present participle always ends in -ing: jumping, skiing, writing, drinking, sighing, etc. The past participle usually ends in -ed, as in called, climbed, interrogated, and studied. Many verbs, however, have past participles that do not end in -ed. Some, for example, end in -en: write/wrote/(have) written bite/bit/(have) bitten take/took/(have) taken Some end in -t: mean/meant/(have) meant creep/crept/(have) crept sleep/slept/(have) slept Many irregular verbs, like drink, have distinctive past participle forms: drink/drank/(have) drunk go/went/(have) gone am-is/was/(have) been slay/slew/(have) slain Participles have numerous uses, but right now Im just looking at how they are used to form the following verb tenses: present perfect past perfect present perfect progressive past perfect progressive Present Perfect The present perfect tense is used to describe a) an action that happened at an indefinite time in the past b) an action that that began in the past and continues in the present The helping verbs used with the past participle to form the present perfect tense are has and have: The House of Windsor has ruled England since 1917. My sister has tried every kind of shampoo on the market. We have written to them numerous times without receiving an answer. Past Perfect Tense The past perfect tense is used to describe an action that took place in the past before another past action. The helping verb used with the past participle to form the past perfect is had: Before reinforcements arrived, the enemy had captured most of the men. Present Perfect Progressive The present perfect progressive describes an action that began in the past, continues in the present, and may continue into the future. The present participle is used with the helping verbs has been and have been to form the present perfect progressive: I have been thinking about going to France one more time. Charlie has been trying to make the team for two years now. We have been sitting in the park for hours. The teachers have been meeting after school to plan the new schedules. Past Perfect Progressive The past perfect progressive describes a past, ongoing action that was completed before some other past action. The present participle is used with the helping verbs had been to form the past perfect progressive: When the accident occurred, she had been talking on her cell phone. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:15 Terms for Those Who Tell the Future60 Synonyms for â€Å"Trip†What’s the Best Way to Refer to a Romantic Partner?

English - American Parenting Essay Example | Topics and Well Written Essays - 750 words

English - American Parenting - Essay Example Parenting techniques and practices vary on the basis of religion, economy, culture, geography and technology. There are many factors that shape the parenting practices of a particular society. Parenting must be given an absolute meaning and purpose because children are the future of this world and their behavior should reflect their abilities to create a better world. Today, getting married and having children is nothing more than a custom which is not the true purpose of having a family. Parents must first understand why having children is important to them and whether they will be able to raise their children well. American way of parenting has been criticized time and again and an average individual might even agree to this criticism since the exposure of American family life that this individual may have had would point to very unhealthy and poor parenting practices. That is why shopping and junk food have become the symbols of western teenage life. Symbols represent a lot of val ues for families. For Chua, a violin represented eastern family values. â€Å"In our household, the violin had become a symbol. For me it symbolized excellence, refinement and depth – the opposite of shopping malls, mega-sized Cokes, teenage clothes and crass consumerism.† (Chua 207) Human beings evolve to survive. Their lifestyles are in a state of constant flux. Parents are familiar with their drawbacks and they wish to see such drawbacks absent in their children however, what they need to understand is how these drawbacks originated within them in the first place. Understanding the child’s psychology is crucial to practice ideal parenting. Elinor Ochs conducted a study in which she observed the life of thirty two middle-class families of Los Angeles. Her findings show that children of the subject families did not perform household obligations on a regular basis unless instructed otherwise. â€Å"In one fairly typical encounter, a father asked his eight-year- old son five times to please go take a bath or a shower. After the fifth plea went unheeded, the father picked the boy up and carried him into the bathroom. A few minutes later, the kid, still unwashed, wandered into another room to play a video game† (Kolbert, 2012). In another encounter an eight year old girl ordered her father to bring her silverware even though she knew exactly where the silverware was kept. Another boy named Ben could not put his sneakers on because their laces were ties and he had to ask for his father’s help since he did not know how to untie them. Such behavior of children is fairly common among the American families. â€Å"According to one poll, commissioned by Time and CNN, two-thirds of American parents think that their children are spoiled† (Kolbert, 2012). This behavior of children has certain number of reasons attached to it; poor parenting methods being the primary one. It is not just the fact that the American children have been b ombarded with variety of material objects such as toys, clothes, video games, cell phones, laptops, iPads, IPhones, computer, television, PlayStation and cameras to fill their lives with but also the fact that parents have lost authority over their children. Nowadays parents require their children’

Evaluate the risk exposure to commercial bank whilst they endeavour to Essay

Evaluate the risk exposure to commercial bank whilst they endeavour to maximize their revenues within profitable lending - Essay Example It is the most common risk experienced by banks in lending. It occurs when customers are unable to meet their obligations, fall due and causes the bank to suffer a loss. Different bank transactions that cause the credit risk may result from the lending made to the governments, individuals, and companies. Second, it may result from lending money in exchange for security bonds. Commercial banks also exchange lending with shares, swaps, trade finance transactions, and other items. The probability of risk increased due to the different items that may cause the credit risk. The risk increase in the event, the bank fails to evaluate the customer credit worthiness. It is more probable to lose a huge sum of money when commercial banks offer huge loans to customers without proper credit rating. The risk results from market rate fluctuations. Normally, the banks allow customers to deposit money in the bank at a certain rate. Subsequently, banks give out the money in the form of loans at a rate higher than the one paid to depositors. Commercial banks risk a loss when the government control lowers the lending interest rates. If the lending interest’s rates decrease below the interest rate provided to depositor’s commercial banks may experience difficulties paying back the money to the depositors. The probability and the severity of loss increase when the government exercises serious controls in the monetary market. The interest rate risk affects the currents earnings of a firm and the present value of the future cash flows due to changes in the interest factor value. The depositors in a bank may withdraw their deposits from the bank any time as long as they do not violate the terms agreed. At the same time, the bank may offer huge sums of loan against few deposits made by customers. In case the customers decide withdraw their deposits, the funds will be unavailable. The liquidity risk is the probability that the bank will