Multiple criteria decision analysis Math Problem

Multiple criteria decision analysis - Math Problem Example In connection to this he decided to visit the top three largest banks. He began with imperial bank, Imperial bank was offering the mortgage at 15% interest. However, the owner of the facility has to contribute 10 % of the amount he is requesting. However, the interest rate is not constant, it will be changing in accordance with the rates of the Central Bank. Barclays Bank was offering an interest rate of 10 %, this rate was constant, however, the owner of the facility has to contribute 10 % of the facility and then the bank will take the responsibility of purchasing the building materials for the owner. The final bank was, Finlay Bank, was offering 12 % interest rate loan, however in case the of permanent disability or death then the borrowed amount will be waivered. Bernard has a difficulty in deciding which bank to take the mortgage with, therefore he has decided to use multiple criteria decision analysis (MCDA) to solve the problem. In connection to this he has listed the most important factors to consider: - 1) interest rate 2) Flexibility in payments 3) duration 4) Guarantees. CMDA is an important analytical tool that can be used to solve problems especially when someone is in a dilemma (Marie 2010, pg. 14). The tool has all the important qualities of a decisive tool. It is basically used to (Adams 2009, pg. 26); Data collection; He went to the internet and found out that the most important factors to consider when taking a mortgage are: Legal costs, Valuation, mortgage arrangement fees, mortgage rates, portability, and mortgage related insurance (Jones 2006, pg. 47). Now that the problem has been identified as interest rate, valuation fees, mortgage arrangement fees, and insurance fees. In this connection, the next step is Bernard to understand the relationship between these factors. From the diagram we see that the only bank that is offering alternatives to mortgage is Imperial bank. The alternatives that the

Normandy Invasion :: essays research papers

As they prepared for a cross-Channel assault on France, the Western Allies built up on British soil one of the largest and most powerful invasion forces in history. For 2 months before the landing, while troops, equipment, and supplies poured into Britain, the Allied air forces bombed railroads, bridges, airfields, and fortifications in France and Belgium and continued their attacks on German industrial centers. Postponed by delays in gathering the necessary landing equipment and by weather and tidal conditions, Operation Overlord, with Eisenhower in command, began on June 6, 1944, afterward known as D-Day. Throughout the preceding night, paratroopers were dropped behind German coastal defenses to sever communications and seize key defense posts. Hundreds of warships and innumerable small craft supported the invasion. Between 6:30 and 7:30 A.M., waves of Allied troops moved ashore between Cherbourg and Le Havre in history's largest amphibious operation, involving approximately 5,000 ships of all kinds. About 11,000 Allied aircraft operated over the invasion area. More than 150,000 troops disembarked at Normandy on D-Day. Because all major French ports in the north were mined and fortified, the Allies improvised two artificial harbors, with pontoons, breakwaters, and sunken ships. One of the harbors was destroyed by a severe Atlantic gale, but the other worked perfectly. Twenty pipelines below the Channel were used to bring in critical supplies of gasoline for the tanks. The Germans had anticipated an Allied invasion of western Europe at about this time but were surprised by its location. Gen. Gerd von Rundstedt, commander of German forces in the West, had expected the Allies to take the shortest water route and land at Pas de Calais. A British intelligence operation called Ultra, having broken key German ciphers, learned of his misapprehension. To capitalize on the situation, the Allies stationed a phantom army in Kent that reinforced Rundstedt's mistaken opinion. It may also have influenced Hitler to decide against sending reserve panzer divisions to Normandy, a decision that greatly facilitated the landing and the establishment of beachheads.

Globalization of Deforestation

Before you can understand anything surrounding deforestation, you must know what it actually is. Many people believe that it is just cutting down trees, specifically in the rainforests. They are correct, but there is much more to it than that. Yes, deforestation is cutting down trees, but what many people don’t know are the effects that it has. Deforestation affects almost every aspect of life. It affects the atmosphere, biosphere, hydrosphere, lithosphere, as well as the global economy and politics. Many people believe that deforestation is a modern idea that was brought on by the industrialization era.The truth is deforestation has been around since the beginning of mankind. Scientists believe that most of Europe had become deforested by 1850 (Kaplan 3024). As you can see, deforestation has been occurring for a long time, and globalization has just sped up the process and increased the rates. But what all does deforestation actually affect? The list is nearly endless, becaus e it is different in every environment and population. On a global scale though deforestation affects greenhouse gases, climate, soil fertility, water quality, watersheds, and biodiversity.Deforestation causes all of the CO2 gases stored in trees to be released into the atmosphere which increases greenhouse gases and ultimately affects the climate and global warming. Tropical deforestation alone, â€Å"accounts for about 15 percent of the world’s global warming pollution—more than that produced by every car, truck, plane, ship, and train on Earth† (Boucher 1). The area where deforestation occurs destroys the soil’s fertility inhibiting it from being able to regrow there. Erosion caused by deforestation runs off into streams, rivers, and lakes which affect the water quality and watersheds.Deforestation also affects biodiversity, because it kills or helps kill off plants and animals that are important to the local environment. With all of these negative eff ects, you would think that deforestation would be a hot topic. The truth is that most people will agree that deforestation is wrong, but very few of them will do anything about it. That is why I believe all of the policies, laws and programs which surround deforestation should be brought to greater attention and enforced. One of the leading rograms which has helped reduce deforestation in several countries is REDD, Reducing Emissions from Deforestation and forest Degradation. Seeing deforestation has a leading cause of emissions is new and this program has had more success than past ones. Basically, â€Å"countries are compensated if they reduce their carbon emissions from forest clearing† (Boucher 1). This gives developing and developed countries incentive to reduce deforestation because they would make more money from not deforesting than they would from deforesting.This program has gained support from the United Nations and several countries are already adopting it. But, i f we want to slow down or even stop this â€Å"monster† called deforestation then we need all of the world’s help. That is why we need to get programs like REDD and the effects of deforestation out to the public. We have all of these ideas, programs, policies, and laws which could help with the issue of deforestation, but nothing is being done to help enforce and inform people about them.All industries should try to make their products as green as possible because every little bit counts. Sure, it might cost a little more, but in the long run it is for the greater good. Just as Franklin D. Roosevelt once said, â€Å"A nation that destroys its soils destroys itself. Forests are the lungs of our land, purifying the air and giving fresh strength to our people. † Although the forests are much more than that, it is true that deforestation will destroy a country and the world in time.

The Process of Conditioning - 963 Words

Florida Sahay Professor Griffin Psychology 1101 Fall 2009 The Conditioning Process It was raining when Sarah was driving home from work. Both she and the driver of the car in front of her were speeding. The car in front of her had immediately braked. There was not enough distance between that car and her own car to safely slow to a stop, so she had quickly switched lanes to avoid a car accident. Instead, the slick pavement caused her car to swerve out of control. When her car finally skidded to a stop, it was inches away from colliding into a tree. Two weeks later, Sarah noticed that she had become anxious every time she had to drive in the rain. Believe it or not, Sarah’s anxiety is due to an associative learning process†¦show more content†¦All three groups were to run through a complicated maze. Group A was rewarded food daily when they were able to get to the end of the maze. Group B did not receive any food and group C was rewarded food on their 11th trial. Group A showed a much improvement in a short course of time (approximately sev enteen days) due to the reinforcement. Group B and C, however, showed little improvement over the course of 10 days. After the 11th trial, group C showed a drastic improvement and even exceeded group A. Tolman determined that the rats in group C have been learning the maze just as much as group A. The motivation of the reward seemed to increase group C’s potential. He termed this as latent learning, which is dormant knowledge that an organism has, but does not express until it is needed. Later on in the study of psychology, cognitive factors were integrated into the study of conditioning. A major theme during the study of conditioning was nature vs. nature (Weiten, 2008). Behavioral traits were thought to be explained through environmental factors, but the recent decades of evidence from the study of classical and operant conditioning has proved that the process of conditioning is impaired by biological constraints. Heritage and the environment once again challenge the theories of nurture when influencing behaviors in organisms. Child-care facilities, schools, factories, and major businessesShow MoreRelatedClassical Conditioning And Operant Conditioning1492 Words   |  6 Pages To expand upon the concepts of the two forms of conditioning listed above, three additional principals not previously listed for the sake of convenience are present in both forms of conditioning; these three principals-extinction, spontaneous recovery, and stimulus discrimination-are among the number of basic principals of conditioning that are found in most forms of conditioning. To explain, Extinction refers to the process by which the steady weakening or diminishment of a conditioned responseRead MoreClassical Conditioning And Operant Conditioning1249 Words   |  5 Pagescognitive ability to process or retain information. Other influences are environmental, emotional or preexisting experiences or associations (Andreassi, 2000). To gain a better understanding of behaviorism in correlation to learning theories it is crucial to understand and grasp the meaning of associative learning. This process involves the association between two stimuli or a behavior and a learned stimulus. Associative learning is divided in to two central techniques, classical conditioning and operantRead MoreClassical Conditioning Vs. Operant Conditioning Essay1088 Words   |  5 Pages 1. a) Define Classical Conditioning and Behaviorism. b) Identify the two major characteristics that distinguish classical conditioning from operant conditioning. Classical Conditioning is a type of learning process of an individual when they come in contact with certain stimuli. According to Pavlov, a Russian psychologist, he developed several experiments on learning and he discovered that classical condition is the basic form of learning for an individual. However, according to Pavlov, behaviorismRead MorePavlov s Classical Conditioning Vs. Operant Conditioning1172 Words   |  5 PagesPavlov’s Classical Conditioning vs. B.F. Skinner’s Operant Conditioning Bhavika D. Patel Atlantic Community College Abstract Ivan Pavlov and B.F. Skinner both studied learning, in which they both did different experiments on different animals and with different conditioning. Classical conditioning is the process in which two stimuli become linked; once this association has been recognized, an originally neutral stimulus is conditioned to provoke an involuntary response. The dogs in Pavlov’s studiesRead MoreClassical and Operant Conditioning Essay1000 Words   |  4 Pagesworld. Classical conditioning and operant conditioning are both basic forms of learning, they have the word conditioning in common. Conditioning is the acquisition of specific patterns of behavior in the presence of well-defined stimuli. Classical conditioning is a type of learning in which an organism learns to transfer a natural response from one stimulus to another, previously neutral stimulus. Classical conditioning is achieved by manipulating reflexes. Operant conditioning is a type of learningRead MoreClassical Conditioning Paper1279 Words   |  6 PagesClassical Conditioning Suzanne Gilbert PSY/390 July 24, 2011 Dr. Tyra Ripley CERTIFICATE OF ORIGINALITY I  certify that  the attached  paper is my original work. I am familiar with, and acknowledge my responsibilities which are part of, the University of Phoenix Student Code of Academic Integrity. I affirm that any section of the paper which has been submitted previously is attributed and cited as such, and that this paper has not been submitted by anyone else.  I have identified the sourcesRead MorePhobias1174 Words   |  5 Pagescan be developed through operant conditioning and how addictions can be developed through operant conditioning. This essay also examines the distinctions between classical and operant condition and examines â€Å"extinction† as it relates to psychological theory and how extinction is achieved in classical and operant conditioning. Phobias and Addictions Numerous psychologists believe that behaviors are learned through conditioning. These conditionings are known as operant, which is basedRead MoreA Study on Operant and Classical Conditioning1477 Words   |  6 PagesOperant and Classical Conditioning Classical conditioning best explains reflective responding that is largely controlled by stimuli preceding the response, while operant conditioning is the kind of learning influenced by stimulus events that follow the responses. (Weiten). In operant conditioning, reinforcement is defined as after the fact. Reinforcement follows a response and increases tendency to make the response. In classical conditioning, the reinforcement comes before the response is madeRead MorePhobias and Addictions Related to Classical and Operant Conditioning865 Words   |  4 PagesRelated to Classical and Operant Conditioning Introduction People can become conditioned to respond to various stimuli in positive and negative ways, including phobias and addictions. In order to better understand how stimuli elicit phobic or addictive responses, this paper provides a discussion concerning phobias and addictions as related to classical and operant conditioning, including explorations of how phobias can be developed through classical conditioning and how addictions can be developedRead MoreClassical Conditioning And Operant Conditioning1146 Words   |  5 Pageslearning is known as conditioning. Conditioning stresses the relationship between stimuli and responses. The two types of conditioning found are Classical conditioning and Operant conditioning. As stated before, learning may occur in different ways but Classical and Operant conditioning are two of several theories on learning which take the behaviorist approach. â€Å"Classical conditioning is an association of one event with another that results in a pattern of beh avior.† Operant conditioning however, is â€Å"learning