The style of Gabriel Garcia Marquez Essay Example

The style of Gabriel Garcia Marquez Paper As the novel arrives at its closing stages, pundits state the mind-set is incomprehensibly prophetically catastrophic (Telgen 236). It uncovers the contention ahead. As Fermina and Florentiono are taking their vessel trip together, he advises the skipper to fly the yellow banner representing cholera with the goal that no travelers will jump on or off. The commander does as such anyway reproves Florentino by saying that the encompassing towns are nearly stripped uncovered of wood. As though fated, they stall out in the water and are addressed by the police regarding the cholera ready. Here, they at last understand that hindrances despite everything exist in their affection and they can't just sail off with the security that they wanted. It is confusing in light of the fact that this is the second Florentino has been hanging tight for his entire life and the current circumstance restrains him from living in that fantasy. The subject that adoration realizes no limits is as yet observed here as Florentino takes uncommon measures to hold protection for himself and Fermina. In any case, he should go to the acknowledgment that exploring the waterways everlastingly covered behind a yellow cholera banner is no arrangement. We will compose a custom paper test on The style of Gabriel Garcia Marquez explicitly for you for just $16.38 $13.9/page Request now We will compose a custom exposition test on The style of Gabriel Garcia Marquez explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on The style of Gabriel Garcia Marquez explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer The perspective and structure of the novel, two things that add to helping the peruser recognize the topic of the piece, are amazingly entwined with what pundits term the Garcimarquesian voice (Ryan 217). It is told from a constrained omniscient perspective, subsequently, the presence of one storyteller through various flashbacks, and Marquez may some of the time retain omniscient understanding from his characters (Telgen 228). This is particularly obvious in the last piece of the book when Fermina leaves and Florentino is separated from everyone else to consider why she has unexpectedly left. The peruser knows yet it is unimaginable for the characters to have that equivalent information. The structure of the novel, isolated into three primary books, is described by an equal arrangement of vessel rides (229). Each character appears to leave independently sooner or later and make promises to oneself that will change the result of the novel, and, hence, the subject. The principal vessel ride, taken by Florentino, is an endeavor to disregard Fermina. In any case, it demonstrates unbeneficial as he makes plans to cherish Fermina for a mind-blowing remainder (225). The subsequent vessel ride, taken by Fermina, is the start of another life as she is currently hitched to Dr. Urbino; she makes plans to cherish her significant other with psyche and heart. The third pontoon ride happens as their very own culmination love and represents the association of two older individuals who meet up in spite of cultural generalizations. It precisely shows an older people wishes as he/she can keep on accepting enthusiastic satisfaction as far as possible. Subjects of ceaseless love and how genuine affection can triumph are clear while following the improvement of adoration through the development of the characters; this topic is again reflected in equal pontoon rides. The Garcimarquesian voice (Ryan 217) comes about due to Marqeuzs extraordinary authority of language and his uncommon style known as mystical authenticity. Despite the fact that not as obvious in Love in the Time of Cholera as in his different works, for example, 100 Years of Solitude, enchantment authenticity is characterized by the pundits as something that moves when nothing else does. It is the thing that a phase chief searches for when teaches an entertainer to keep the hands or feet still; to tie them, with the goal that the highlights of the shoulders can make an increasingly expressive presentation. Garcia Marquezs craftsmanship is a powerful transfiguration of these bound developments (Telgen 237). It has an effortlessness that is so intricate and expressive. The peruser can detect every development and make qualifications among all the activities. Another increasingly solid definition is that otherworldly authenticity is a classification of fiction which mixes baffling, heavenly, and even strange occasions with the hard political and social real factors of life (Telgen 223). It compares two contrary energies, reality and perfect world, so well that the characters appear overwhelmed in their own reality and the peruser is taken in by that. Love in the Time of Cholera depends more on social authenticity which centers around social issues and the difficulties of regular day to day existence (Coover 253). Increasingly social detail is available with less supernatural quality as Marquez sets this novel in a city tormented by cholera. The sharp class divisions are appeared by the detail with which certain occasions are depicted. On Dr. Urbinos visit to the slave quarters upon the solicitation of a late companion, Dr. Urbinos horse drawn carriage was recognizable from the couple of still left in the city in light of the fact that the patent cowhide rooftop was constantly kept cleaned, and it had fittings of bronze that would not be eroded by salt, and haggles painted red with plated cutting like occasion evenings at the Opera (Marquez 12). Likewise, the novel is principally centered around urban culture, as can be derived from the nearness of a bustling boat port, and dynamic world class society (Telgen 229). This setting adds to the subject in making the association that the side effects of affection and cholera are the equivalent (224). Love, similar to cholera during pandemic occasions, leaves its imprint, particularly on account of Florentino, who held up fifty one years. The ceaseless love and reliability communicated by him is honorable. Love in the Time of Cholera effectively interlaces a few elaborate gadgets to make a novel with profound significance. The well established subject of affection realizing no limits is unmistakably shown by Marquezs mix of legend and history in manners that make the legends appears to be more genuine than truth (Ryan 218). His compositions are mysterious and otherworldly and precisely depict the transient idea of life, especially conspicuous as the primary characters proceed to age and develop (218). The epic burdens that nothing is everlasting and love never remains since individuals change, yet rather remains since it has changed with the time that has changed the individuals. Love, once in a while depicted as transient, has figured out how to get lasting in the life of Florentino Ariza as he held up fifty one years, nine months, and four days to be with the one he adores. Works Cited Beetz, Kirk. Love in the Time of Cholera. Beachams Encyclopedia of Popular Fiction. Vol. 5. Florida: Beacham, 1996. 14 vols. Coover, Robert. The Gossip on the Wall. New York Times Book Review. Rpt. In Gabriel Marquez. Contemporary Literary Criticism. Ed. Sharon Gunton. Vol 15. Detroit: Gale Research, 1980. 78 vols. 252-255 . Marquez, Gabriel G. Love in the Time of Cholera. Trans. Edith Grossman. New York: Alfred A. Knopf,Inc. , 1988. Ryan, Bryan. Gabriel Garcia Marquez. Hispanic Writers. Vol. 2. London: Gale, 1991. 2 vols. Telgen, Diane. Love in the Time of Cholera. Books for Students. Vol 1. Detroit: Gale, 1997. 13 vols. 1 Show review just The above see is unformatted text This understudy composed bit of work is one of numerous that can be found in our University Degree Social Theory area.

Underground Metal Scene in Morocco free essay sample

5 Basic Tips To Proofread Your Blog Posts Easily

5 Basic Tips To Proofread Your Blog Posts Easily Make Money Online Queries? Struggling To Get Traffic To Your Blog? Sign Up On (HBB) Forum Now!5 Basic Tips To Proofread Your Blog Posts EasilyUpdated On 08/03/2016Author : JasmineTopic : BloggingShort URL : http://hbb.me/1gGb37w CONNECT WITH HBB ON SOCIAL MEDIA Follow @HellBoundBlogWhat comes to mind when you read a blog post peppered with grammatical errors? You’d either doubt the writer’s credibility or think he is a complete idiot if the post is simply incomprehensible. You dont have to use bombastic words or various idioms; these are probably going to confuse your readers as well but it is important to just make sure that your spelling is correct and simple sentences are grammatically correct.You could either be careless or your language grasp isnt strong enough to detect errors, so there are various methods or tools to help you proofread your posts before you publish it. Here are 5 of the most popular and effective methods:1. Use spell and grammar checkMS Word already has this function which would highlight words spelt incorrectly or sentences with a ‘strange’ structure. Make good use of this function by first activating it and then selecting the language that you will be using. The spell and grammar check are pretty reliable and helps to keep many boo-boos away.2. Print it outSomehow people act differently when viewing items on screen and on paper. It is this same reason why some writers still opt to write or type their pieces by typewriter.Maybe it is the glare from the PC screen that causes ‘blind spots’ for grammar and spelling mistakes. Whatever it is, if you think that you can detect mistakes easier if you read your posts in print, print out your writing by all means.3. Take a breakAfter spending hours at your desks drafting a post, dont you think your mind would be so exhausted to go through the text again to spot errors? You might even be eager to just publish the post and get over it once and for all.Stay calm and take a break just b efore doing a proofread. Step away from your desk, grab a drink and come back with a fresher mind. You’d feel ready to tackle the piece for one last time and be able to spot mistakes better. This is what I usually do after writing a long web hosting article. I would be tired that I usually take a break and come back to proofread it later.4. Ask someone to do itIt is always more effective if someone proofreads your writing because at times, you wouldn’t even know that the words or sentences you’ve used are wrong. Get a friend or anyone who is willing to proofread for you. Just make sure that the person you approach for help isnt worse off than you!READHow Drinking Water Regularly While You Blog Helps You Write Better5. Read aloudThis method is best in deciding which sentence structure to use. Only when you read aloud would you be able to determine if the sentence sounds good and right. Of course you dont have to read the entire post aloud; only parts of it which you are dubious of.When you are rereading your post, here are some things to watch out for:PunctuationIt is common to miss out punctuation, especially the apostrophes, as we type furiously at the keyboard. Make sure that you capitalize the proper nouns and put commas, colons and such wherever needed.ContractionsNo, these are not referring to the contractions experienced before child-birth! Contractions are the shortened versions of a string of words, eg. they’re, you’re and it’s. Many are either careless or confused when to use they’re vs their, you’re vs your and it’s vs its. Learn up which is which and keep an eye for these when proofreading.HomonymsHomonyms are similar-sounding words, eg. accept and except. Again, if you aren’t sure which is which, revise your schoolbooks and practise so that you’ll never make this mistake again in your writing.NumbersHaving an extra ‘0’ in your figures is a big blunder! Just imagine how it would be if you are selling a blouse that costs $30 but you had made a typo and it now costs $300? If your eyes go haywire trying to count the number of zeroes, use commas to separate the digits or dont be afraid to use your fingers to guide you!With so many ways given to proofread your work and additional tips on what to look out for, there is no reason for you to continue publishing posts filled with typos and grammatical and spelling errors. This is also a good time to brush up on your English if you aren’t able to tell comma from coma and spell grammar as grammer.

Mrs. Dalloway - 2643 Words

I. Mrs. Dalloway, by Virginia Woolf, was published on May 14, 1925 in London, England. The novel follows Clarissa Dalloway and a variety of other characters throughout the span of one day in their lives in 1923 London. Woolf utilizes a narrative method of writing. With the novel’s structure, the narrator possesses the ability to move inside of a character’s mind and compose her thoughts and emotions immediately as events occur throughout the day. The novel’s main character, Clarissa, is a middle-aged woman who belongs to the upper-middle class in society and is well-married to a Member of Parliament—Richard Dalloway. Clarissa’s day is full of arrangements for a dinner party she plans to host that evening. During the novel, numerous other†¦show more content†¦Rather than hold lengthy conversations between characters, she frequently writes only of small talk and leaves more serious topics to be recited in an individual’s exclusive thou ghts. One of her purposes in writing the novel is to expose the hypocrisy of society. The characters in the novel range from eccentric acquaintances to extravagant lords and ladies to vindictive tutors to suicidal veterans. One example of this theme occurs when Rezia and Septimus attempt to settle down in the park. When the airplane soars overhead, she writes, â€Å"Tears ran down his cheeks (Woolf 21).† While one may mistake this as joy or, at worst, sorrow over the recent war, Woolf gives the reality of the action beneath the surface, stating, â€Å"They are signaling to me†¦ this exquisite beauty†¦ but he would not go mad. He would see no more (21).† While Septimus dwindles on the brink of insanity, Rezia chatters away about nature, unaware of the mess resting beside her. Septimus portrays the appearance of one man yet expresses an entirely new persona through his contemplations. Another instance of the theme transpires when Miss Kilman and Clarissa wait for Elizabeth to retrieve her gloves before going shopping. Clarissa and Kilman both make attempts at small talk. However, both give their attentions to a mutual disgust of each other. Clarissa simply asks if Kilman is taking Elizabeth to the stores. Kilman replies dryly, but inShow MoreRelatedMrs Dalloway1427 Words   |  6 PagesAnalysis of Mrs. Dalloway Ââ€" Virginia Woolf Mrs. Dalloway, published in 1925, is a romantic drama with deep psychological approaching in to the world of urban English society in the summer of 1923, five years after the end of World War I. The book begins in the morning with the arrangements for a party Clarissa Dalloway will give and it ends late in the evening when the guests are all leaving. There are many flashbacks to tell us the past of each character, but it does not leave the range of thoseRead MoreEssay On Mrs Dalloway1021 Words   |  5 Pages Influenced Women Taking a Stand in Mrs. Dalloway Virginia Woolf’s Mrs. Dalloway is a detailed day of a high society british woman named Clarissa Dalloway who is the host of a party. As she goes on with her day for preparations for the party, a tragic event stumbles upon an acquaintance of hers before the grand festivity. When word spreads of the shocking yet terrifying accident, Clarissa has an eye-opening realization because of the event that causes her to change her life and future for theRead MoreFeminism in Mrs. Dalloway1354 Words   |  6 PagesFeminism in Mrs. Dalloway Virginia Woolf is one of the greatest writers whose works reflect her philosophy of life and identification of women. She grew up with an intense interest in the feminist question, and her novels hold the key to the meaning of life and the position of women in the existing patriarchal society. She portrays the impact of the patriarchal English society on women’s lives, the loneliness and frustration of women’s lives that had been shaped by the moral, ideological and conventionalRead MoreChristianity In Mrs Dalloway1723 Words   |  7 Pagesdisconnected and hopeless about the world they lived in. However, this essay will focus primarily on society’s deteriorating relationship with Christianity. Accordingly, this essay will demonstrate how Woolf represented this struggle in her novel Mrs Dalloway through the use of stream of consciousness. Predominantly, this essay will focus how different perspectives of Christianity is represented in various characters in the no vel and how their clashes with each other demonstrates the internal turmoilRead MoreLondon of Mrs Dalloway1184 Words   |  5 PagesMrs. Dalloway’s London When a man is tired of London, he is tired of life; for there is in London all that life can afford. --Samuel Johnson The early part of the Twentieth Century saw England as the major super power in the world. During this time, England ascended to the height of its imperial powers, with its grasp and influence worldwide. A phrase was even coined in recognition of this fact: â€Å"The Empire on which the sun never sets†. And yet despite England’s great power, its citizenryRead MoreAnalysis Of Mrs. Dalloway1298 Words   |  6 Pagesof the stars. He also regains peace within himself after finding a new outlet for understanding. This idea of non-conformity being a precursor to self-actualization and inner-peace similarly resonates in Virginia Woolf’s novel Mrs. Dalloway. The portrayal Clarissa Dalloway and Septimus Smith are both examples in the novel that show the negative consequences of conformity. In the beginning lines of the poem, the speaker begins to tell an anecdote about a time he heard a â€Å"learn’d astronomer†Read MoreMrs. Dalloway Paper1209 Words   |  5 PagesMrs. Dalloway Paper Mrs. Dalloway, by Virginia Woolf, was written in 1925, a time filled with many large changes to civilization. The book was written and set right after the biggest war human-kind can remember which killed millions of people, during the peak of industrialization which caused the mass production of items and created thousands of new inventions, while modernist arts and thoughts were growing and, and when national pride was very large for the citizens of the Allied countries in WorldRead MoreDeath in Mrs. Dalloway561 Words   |  2 PagesIn Mrs. Dalloway, references to life and death are seen frequently throughout the entire novel. It would not be correct to claim that Mrs. Dalloway focuses more on one or the other, for the novel brings attention to both life and death. Virginia Woolf exhibits these profound ideas through the thoughts of her characters in Mrs. Dalloway. The thought of death is constantly lurking in the thoughts of each character, and it makes even the most ordinary even ts become meaningful, and sometimes threateningRead MoreMrs. Dalloway And The Good Soldier1338 Words   |  6 Pages Mrs. Dalloway/ The Good Soldier The Good Soldier and Mrs. Dalloway have many similarities, one being both of the main characters belong to the upper class. But they have one major difference, The Good Soldier only has one point of view, while Mrs. Dalloway has many different points of views during the novel. In The Good Soldier, the story is only told through John Dowell’s perspective, so only his view is seen throughout the novel. He does not truly know how the other characters are feelingRead MoreMrs. Dalloway, By Virginia Woolf1498 Words   |  6 Pagestemporary. Both One of Ours, written by Willa Cather, and Mrs. Dalloway, written by Virginia Woolf, take place during this era. Despite being set during a time of supposed progress for women’s rights, the roles that women are expected to fulfill in these texts are still oppressive.Examining these novels, it becomes apparent that the roles of women did not change as a result of the war. In fact, Enid, in One of Ours, and Mrs. Dalloway, in Mrs. Da lloway, exist in an unchanged, oppressive society, despite

Our Helpless Dependance on Technology - 1674 Words

Technology started out as a necessity, people needed it back when they werent guaranteed safety, heat, shelter etc. Technology similarly started off by accidental discoveries that slowly morphed into technology today. Technology in the past is much more different than what it is today. Take the example of fire. Fire started by accident but furthermore led to expansion into creating bigger fires. To be exact this happened because there was a need to keep warm and have a source of light. The discovery may have led to the idea that they need more fires. Maintaining fires accordingly may have led into the discovery of cooking, because of the need to cook and food to be nutritious must have been very important. Technology in the past meant slowly advancing to make lives easier. If you see technology today the first few things you think are, computers, tablets, and other common household objects. With the fast pace of technology today, technology is harming our businesses, brains and our b odies. The fast pace of technology as a result has played a big part in running us and our society. As technology advances (which is a good thing) so does our total dependency on it makes it run our society. The fast pace of technology consequently doubles our dependency therefore harming us physically, emotionally and physcologically. Technology isnt the reason why it is hurting us, it is our dependence on technology that hurts. To illustrate the idea of the dependance on technlogy when the

Marketing and Aesop - 12007 Words

International Marketing Plan: Aesop’s Expansion into Italy TBS982 Marketing in a Global Economy Patjira Aiemsumang 4304834 Natthanee Chatpahol 4230723 Cheuk Kin Jeremy Sin 4429448 Thanyaporn Theerawatphothong 4222490 July 22, 2013 Word Count: 6713 1. Executive Summary The cosmetic industry worldwide seems to be continuously developing, now more than ever with the advent of the Internet companies. Many famous companies sell their cosmetic products online also in countries in which they do not have representatives. Aesop is the trading name of a range of skin care products from Australian company Aesop Retail Pty Ltd. Aesop was founded by hairdresser Dennis Paphitis in 1987 in the city of Melbourne. It is an Australian based super†¦show more content†¦3.1.6. 3.1.7. 3.1.8. 3.1.9. 3.2. 3.3. 3.4. 3.5. 3.1.10. Management and Leadership ................................................................................. 8 Context Analysis ............................................................................................................ 8 Competitors and Industry Analysis .............................................................................. 11 Key Competitors ................................................................................................... 13 Market segmentation and target market group ..................................................... 16 Customer Analysis ....................................................................................................... 14 Collaborators ................................................................................................................ 17 3.3.1. 3.4.1. 4. Strategy Formulation ........................................................................................ 17 4.1. 4.2. 4.3. 4.4. SWOT Analysis ............................................................................................................ 17 VRIO analysis .............................................................................................................. 18 Possibility Statements .................................................................................................. 20 Overarching Strategy SelectionShow MoreRelatedMarketing Analysis Of Aesop s Marketing2696 Words   |  11 PagesMarketing Analysis of Aesop Marketing Background Aesop is one of the Australia’s success stories in the competitive world of retailing. Dennis Paphitis established this first luxury beauty and skincare brand in 1987 in Melbourne, Australia. The purpose behind establishment of this luxury brand was to create superlative products for the skin, hair and body (Aesop: the stuff of Fables, 2012). Aesop specializes in making greatest anti-oxidant products using both plant-based and laboratory-made ingredientsRead MoreMarketing Analysis Of Aesop ( Http )1848 Words   |  8 Pages 2015-BUS5MMS (BU-W0507) - MGT AND MKT FOR SVC Individual Marketing Assignment – Marketing Analysis of Aesop (http://www.aesop.com) 30th January 30, 2015 Submitted to- xyz Submitted by – Deepak Singh (18174976) CONTENTS Company Overview†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.1 Products†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦2 Sustainable Practices†¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.3 Company Overview Aesop is a 1987 established cosmetics selling company with an idea to make a high range of magnificent products whichRead MoreMarketing Environment And Strategy Of Aesop2668 Words   |  11 Pages Marketing analysis of Aesop Aim: A study of the marketing environment and strategy of Aesop Introduction and marketing background Aesop is a firm that started its operations in Australia and works in an extremely competitive environment. 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The right and left robotic arms replicate the arms of the surgeon, and the third arm is an AESOP voice-controlled robotic endoscope for visualization. In the Zeus system, the surgeon is seated comfortably upright with the video monitor and instrument handles positioned ergonomically to maximize dexterity and allow complete visualization of the

Success Depends on Opportunity and Not on Character free essay sample

What Are Steroids? Steroids has more than one meaning. Your body naturally produces some steroids, to help you fight stress and grow bigger during puberty. (But your body knows just the right amount that you need, so theres no need to take any extra. ) Theres also a type of medicine called steroids that people might take if they have pain, asthma, or a skin problem. But these arent the kind of steroids getting attention in sports. When people say steroids (say: stare-oydz), they often mean illegal anabolic steroids.Anabolic steroids are artificially produced hormones that are the same as, or similar to, androgens, the male-type sex hormones in the body. The most powerful of these is testosterone (say: tes-tos-tuh-rone). Anabolic steroids can be taken in the form of pills, powders, or injections. Anabolic steroids are always illegal, meaning that you could get arrested for buying, selling, or taking them. We will write a custom essay sample on Success Depends on Opportunity and Not on Character or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Some athletes take anabolic steroids because of their testosterone-like effects, such as increasing muscle mass and strength. This might sound like just a guy thing, but girls also have used steroids to get stronger and change the way they look.And its not only professional athletes who have taken these illegal drugs. Investigations and studies have shown that teens, college athletes, and others have taken steroids. There are supplements available that contain anabolic steroids. You might see ads for these on the Internet or in the back of sports or body building magazines. Some have been banned in the United States while others are still legal. Legal or illegal, these supplements can cause health problems. Kids should not take any steroid supplement, even those that are still on the market.Dangers of Steroids Anabolic steroids cause many different types of problems. Less serious side effects include acne, oily hair, purple or red spots on the body, swelling of the legs and feet, and persistent bad breath. A kid or teen who takes steroids might not grow as tall as he or she was supposed to grow. Some other serious and long-lasting side effects are: †¢premature balding †¢dizziness †¢mood swings, including anger and sadness †¢seeing or hearing things that arent there (hallucinations) †¢extreme feelings of mistrust or fear (paranoia) †¢problems sleeping nausea †¢vomiting †¢trembling †¢high blood pressure that can damage the heart or blood vessels over time †¢aching joints †¢greater chance of injuring muscles and tendons †¢jaundice or yellowing of the skin; liver damage †¢trouble peeing †¢increased risk of developing heart disease, stroke, and some types of cancer These risks affect girls: †¢increased facial hair growth †¢deeper voice, like a mans †¢shrinking of the breasts †¢period changes Specific risks for boys include: †¢shrinkage of the testicles and penis problems †¢pain when urinating (peeing) †¢breast developmentBecause steroids can be injected (given in a shot), users run the risk of getting illnesses that can be passed through needles that are dirty, or shared. These include HIV/AIDS and hepatitis, a serious liver disease. Though some problems may show up right away, others may not appear for years. One former Oakland Raiders lineman who died of brain cancer believed that steroid use during his football career was one reason he got the disease. Using Steroids Isnt Playing Fair Your health is the No. 1 reason not to use steroids or a steroid supplement. But theres another very important reason: Its just not fair.When people use steroids, it gives them an unfair advantage against others who trained and practiced without using illegal steroids. And because all levels of sports — from high school to the pros — are testing athletes for steroid use, theres a growing chance the person will get caught. If caught, he or she will face a lot of embarrassment and could be banned from the sport. But maybe worst of all, any achievements the athlete made while on steroids could be questioned. Someone might say, He didnt really deserve to be on the All-Star team, he was on steroids. Or, She shouldnt have that trophy, she was cheating

Hallstead Jewelers free essay sample

Report for Hallstead Jewelers Hallstead Jewelers is a jewelry merchandiser, which sells range from fine jewelry, gems to tabletop gifts. It has been established for 83 years and once has become one of the largest jewelry retailers in the past. With the changing of retail jewelry industry, it has appeared two competitive competitors: Tiffany amp; company, which was the largest diamond seller in the US and be known as their â€Å"blue box†, and Blue Nile, which found online and was the second diamond seller in the US. However, unfortunately the sales and profits of Hallstead have been fallen since 1999. Moreover, they experienced losses in the 2006 although they have taken the action to expand their business and moved to the principle shopping area. The reason for the losses is that by adopting actual costing system, Hallstead had never budgeted their fixed-cost which should be allocated. From the Exhibit 1, we can see that the rent and salaries are increased significantly compared with the figure in last two years. We will write a custom essay sample on Hallstead Jewelers or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Especially the rent already doubled compared with last year. Whereas other figures like advertising and administration fee almost the same as the prior year. This implied that these two fixed-cost are the main contribution to the losses. In fact, moved to the new location cannot boost the enough profits. From Exhibit 2, in the 2003 and 2004, the sales space is 10230 square feet, and the sales per square foot are $839 and $729 respectively. However, in the 2006, the sales space increased to 15280 square feet but the sales per square foot decreased to $701. It means that there is more space than they needed. In other words, the space cannot make profits they expected but increased the fixed cost. At the mean time, with the expansion of space, the more staff or sales person are needed. Thus the salaries expense has been raised near to 50%($3215). This causes that the gross margin has to cover more fixed cost. In total, the contribution margin is not enough to cover the extended salaries expense and rent fee and thus Hallstead jewelers encounter this difficulty The solution for Hallstead jewelers is to budget and allocate all the fixed cost. The first should take into consideration is salaries expense and rent fee. If possible, the manager should lease a portion sales space of store to decrease rent expense. At the same time, the number of staff can be eliminated. This action can save fixed cost in a large extent. Apart from that, eliminating sales commission and increasing advertising fee seem to be a possible method to boost sales. Although commissions have been the appropriate action for past success, Hallstead still has to change this strategy and use another to boost sales. This is because with the increasing commission in 2006, the sales seemed not increased considerably. On the contrast, increasing advertising fee might bring more customers and can competitive with internet jewelry retailer. Assume eliminate all the commissions, but sales and other fixed cost remain the same, the advertising fee can increased by $130 000 and still keep break even (use the figure in 2006). To summary, the way to reduce the losses in the Hallstead is allocate the fixed cost and budget it.

Silver Linings Playbook Bipolar DIsorder Essays

Silver Linings Playbook Bipolar DIsorder Essays Silver Linings Playbook Bipolar DIsorder Essay Silver Linings Playbook Bipolar DIsorder Essay As the term bipolar disorder suggests, afflicted individuals also experience the poop site of mania depression. The result is an oscillation between extreme mood states that is o ten accompanied by severe distress and impairment and requires consistent and intensive med action management (the traditional remedy is a mood stabilizer such as Lithium, although many to her classes of drugs have been shown to be effective for its treatment). In the role of Pat Jar. Bradley Cooper (best known for his role in the raunchy Hangover films) shows hurtfulnesss range and talent. As is often the case with individual s with bipolar disorder, he plays Pat Jar. As remarkably charismatic and intense. Despite this, the portrayal of bipolar disorder is a mixed bag. Only in one terrific scene when Pat Jar. Obsess veal finishes a classic novel and storms into his parents bedroom in the middle of the night t o deliver a rapider rant about the books ending do we see a true manifestation of the d crosier. Throughout most of the rest of the film, his tendency toward verbal and physic cal aggression and his obsessive thought patterns are the primary symptoms on display. Although h these symptoms are not atypical of bipolar disorder, they are hardly the hallmarks and overlap with a wide range of other pathologies. There is nothing particularly dishonest or blatantly niacin rate about the depiction, but it pales in comparison to others that have been captured on fill m and television. The relationship between Pat Jar. And Tiffany is an extremely Odd one. It involve sees enormous deceit, a fair amount of stalking, and offensive, blunt, and callous barbs repeat deadly flung back and forth. Despite this, the incredible chemistry of Cooper and Lawrence (and some sharp writing) makes the audience root for them to fall in love. But is that really a g DOD idea? A great deal of work in evolutionary and social psychology has focused on the factors that go into our election of potential mates. We know that individuals across cultures and thro ought history are attracted to others who share our attitudes, values, and various other character restricts. (If we want to speak in clicks, the research concludes that in general birds of a feather FL sock together, not that opposites attract. ) We also know that individuals with mental illness are more likely to have unstable and unsuccessful romantic relationships and that this is nana cede when both individuals have mental illness.

Week 1 Coursework Example | Topics and Well Written Essays - 250 words

Week 1 - Coursework Example Most of these eligibility cases rise because of immigration status, citizenship and income. Only the immigrants legally in the country can buy the health insurance through the exchanges, these include the refugees, people on workers and the student’s visas, and the immigrants with green cards (Goodnough, 2014, p.13). The article provides a national perspective as its focus the immigrants in the United States and their failure to provide legal documents. The article states that the issue about eligibility is mainly in Florida and Texas that happen to have the largest number of immigrants. The information in the article affects many people living in the United States as it slows down the process of acquiring the health insurance. The immigrants face a greater problem as according to the administration most of these cases arise from the provision of wrong information by the immigrants. By 5th September, the immigrants should submit their documents failure to which they will lose the health care insurance. The provision of fraudulent information and the carelessness of the administration results to the cases of eligibility, these in turn affects all the citizens of the United States in the process of acquiring the health insurance. The article provides solutions for the immigrants to avoid losing their health insurance; these include the provision of immigration and citizenship documents by the immigrants. All immigrants in the country should provide the required legit information in order to avoid losing their health insurance (Goodnough, 2014,

E learning Research Paper Example | Topics and Well Written Essays - 2500 words

E learning - Research Paper Example Despite these strengths and opportunities, e-learning faces several distinct barriers. These barriers will be explored in this paper. Diverse barriers to e-learning can prevent or delay the effective design or implementation of e-learning programs. This section discusses some of the widespread categories of hindrances to e-learning. Table 1 shows the various barriers to e-learning that are arranged according to publication. Inadequate technological tools, such as lack of computers, and poor or limited Internet availability can impede the adoption of e-learning. Poorly designed e-learning programs are barriers to e-learning too. The learning system for e-learning must be applied to preservice teaching, and if not, there will be problems in the design and implementation of e-learning. In India, schools do not have sufficient equipment for delivering e-learning, especially in rural areas, and bandwidth problems are also widespread concerns. The absence of a reliable ICT infrastructure shapes e-learning adoption similarly. Negative stereotypes against older learners impact the participation of older students in e-learning platforms (334). Lack of ICT knowledge and skills among older students are barriers to e-learning too. Teachers are more likely to implement e-learning, if it is aligned with public educations policies and standards. KSA must go over the possibility of mandating e-learning across public education levels to enhance its adoption. Differences in policies and implementation because of administrative dimensions can affect e-learning diffusion. Poor professional development toward e-learning can be attributed to the organization because of lack of resources and/or political will and unity. Teachers may not adopt e-learning if they do not see that the administration as supportive to the skills training and other needs of e-learning platform. Poor alignment between e-learning goals and curriculum can hinder e-learning effectiveness. Table 1 shows

Interview with Teenagers Essay Example for Free

Interview with Teenagers Essay Interviewing teenagers turned out to be rather interesting. Its very relevant the difference in my time of growing up a teen, to now. Teens these days have way more issues to worry about being that drugs, sex, and pregnancy are more tangible then the past. With media using tv, radio, magazines and music to tell teens how they need to be, its not hard to believe all the increase in teen violence, depression, and suicide. During the course of this paper I will be discussing the interview that I gave too four teen girls. Each of them came from different backgrounds and had very different, but yet the same answers to being a teen in today’s society. Jasmine Small, Ashley Leivas, Shavon McCorvey, and Emily Morales were the four teens that I chose to interview. Each of these girls comes from different backgrounds. Jasmine grew up without a father, Ashley grew up in foster care, Shavon had both parents present in her household, and Emily was taken from her mother as a child and was raised by her aunt. Just off of me knowing their background it was prevalent that the answers were going to be different and interesting in the same. In the beginning I made sure to discuss the purpose of this interview and notified them that they could stop me at any time for questions, or if the interview becomes too personal. After having done that all of the girls seemed to be relieved, and at that moment my interview began. What do you like about being a teenager was the first question asked all the girls. All of the girls agreed that having friends and having fun, and hanging out were the highlights of their youth. They all had their group of friends and all liked to go to the mall, movies, and â€Å"kick-backs† (parties). When I asked if school was significant to them they all laughed and said that they like school but it wasn’t too important to them. When asked about their dislikes they all had different answers. Jasmine answered that her dislike was going to school. She felt as if she didn’t learn anything, as if school was useless. Ashley disliked the fact that there is a lot of drama as far as people gossiping inside of school. She explained how many people perceived her as a person that likes to fight, and is promiscuous, when she is the exact opposite. She has issues that she’s dealing with and doesn’t seem to get along with other girl which is why she finds herself in a lot of altercations. Shavon’s dislike was growing up in Lancaster, she was born and raised in Los Angeles and was recently brought out here two years ago. She just wished that she had control over where she lived. Emily didn’t have an answer to this question she was having a difficult time with trying to determine what was a huge dislike. She couldn’t think of any so we moved on. Who is the most important thing in your life right now was an interesting question that I couldn’t wait to ask. Each answer was unique and heartwarming. Jasmines was her mother, she was very happy about having such a good mother who did all she could for children. She had not one bad thing to say about her mother. Ashley’s was her brother; her brother was the only biological family member that she had. She had seven other family members but all were split up in foster care in different states. Shavon’s was her sister; she was very close to her sister and shared everything with her. Emily’s was her cousin, whom she considered as a sister, she was close with her, and like Shavon, shared everything with her. They all had their individual stories on how close they were with their important person, and how they couldn’t imagine life without them. Of all the questions I believe that the question, if you could change one thing about your life what would it be and why, was the most important question. It showed that the girls all seemed to have some issues with growing up whether it be peer pressure or living without certain family members. Jasmine said that she would have her father in her life. She felt as if she had her father she would be a different person. She really wanted to have a relationship with her father. Ashley main thing she would change is to have a mother that cared and wasn’t on drugs. She said that she is very appreciative of her foster mother, but she would love to have known her real mother. Shavon’s change would be for her to move back to Los Angeles. She said that since she has moved to Lancaster everything has changed and that she is being mistreated at school. She began to explain that she left behind a lot of friends and didn’t seem to fit in. Emily, like Ashley, wanted her biological mother back. Unlike Ashley, Emily lived with her mother god enough to remember her before she was taken out her home. She remembered her mother for the good things that she did and not the drugs, like everyone else portrayed her mother as. During this interview it was very evident the issues that teens these days face. Later on in the interview we talked about peer pressure and if it affected them. They all stressed that peer pressure is hard not to fall into and that do have plenty of friends who are weak minded and whom have become pregnant or is having unprotected sex. They all are very smart and know how to say no when peer pressure arises. Being that I’m not that far in age many other the issues that they face, I did to growing up. There aren’t many differences except that everything is more prevalent as far as sex and pregnancy.

Mephistophilis in Marlowe’s Faustus Essay examples -- Marlowe Faustus

Mephistophilis in Marlowe’s Faustus Mephistophilis is a striking central character in the play ‘Doctor Faustus’, written by Christopher Marlowe in the late sixteenth century. His role in this flamboyant yet tragic play is ultimately to aid Faustus’ downfall from renowned scholar to foolhardy prey of Lucifer. However, Mephistophilis’ motives are perceptibly ambiguous throughout ‘Doctor Faustus’; he seemingly alternates between a typically gleeful medieval devil, and a romantically suffering fallen angel. Mephistophilis first appears in ‘Doctor Faustus’ in the third scene, when he is summoned by Faustus’ experimental necromancy, as taught to him by Valdes and Cornelius. Faustus becomes intrigued by the notion of employing dark magic to supply him with what he most craves: knowledge. Mephistophilis first appears to Faustus in his true, terrifying form (suggested on the Elizabethan stage by a lowered dragon). This wholly terrifying image is in keeping with the medieval concept of the devil as a hellish supernatural being that encapsulated horror. Mephistophilis’ appearance shocks Faustus to the extent that he implores him to return in a different form, this time as an â€Å"old Franciscan friar†. This embodiment epitomises much of the confusion concerning the devil’s character: although the costume of a friar is seemingly unpretentious and reassuring (and, for Marlowe’s contemporaries, a daring anti-catholic joke), in a stage performance of ‘Doctor Faustus’ the raised hood and floor-length robe is ominous and chilling. It is this contradictory melange of qualities that make Mephistophilis such an ambiguous character throughout the play. In his first scene, Mephistophilis adopts the deflating and belittlin... ...is is a wonderfully multi-dimensional character, developed in an intriguing manner that makes the devil intensely unpredictable and thrilling. The sharp contrast between his fiendishly gleeful qualities and the aspects that suggest a romantically suffering angel fallen from grace, in my opinion, make the character much more absorbing. Perhaps Marlowe realised that the most captivating characters could never remain one-dimensional. Although many critics are unhappy with the apparent inconsistencies, I think it is the combination of the gleeful and tormented aspects of the character that make him the central masterpiece of ‘Doctor Faustus’. Bibliography ------------ - ‘Doctor Faustus’ by Christopher Marlowe (edited by John D. Jump) - www.sparknotes.com - ‘Marlowe: Doctor Faustus’ by Philip Brockbank - ‘Marlowe The Overreacher’ by Harry Levin

Living Trust

trust agreement THIS TRUST AGREEMENT, MADE THIS _____ DAY OF _____________, 20XX, BETWEEN ____________________________, PRESENTLY RESIDING AT _________ ________________ ________________________ (SETTLOR), _____________ ___________________, PRESENTLY RESIDING AT __________________________________ ______ (TRUSTEE), AND ________________ __________, PRESENTLY RESIDING AT ________ ___________________________ (SUCCESSOR TRUSTEE).THE TRUST CREATED BY THIS AGREEMENT SHALL BE KNOWN AS THE ______________________ TRUST. W I T N E S S E T H: WHEREAS, THE SETTLOR DESIRES TO CREATE AND ESTABLISH A REVOCABLE INTER VIVOS TRUST OF THE PROPERTY DESCRIBED IN SCHEDULE A ATTACHED HERETO AND MADE A PART HEREOF, WHICH PROPERTY, TOGETHER WITH THE INVESTMENTS, REINVESTMENTS, ACCUMULATED INCOME AND PROCEEDS THEREOF, AND ADDITIONS THERETO, SHALL HEREINAFTER CONSTITUTE THE PROPERTY OF THIS TRUST (THE TRUST FUND); ANDWHEREAS, the Trustee has agreed to hold, manage, invest, and reinvest the Trust Fund to collect the income therefrom and after paying all expenses properly attributable thereto, to distribute the Trust Fund in accordance with the terms and conditions herein. NOW, THEREFORE, in consideration of the premises and mutual covenants and agreements contained herein, Settlor has assigned and delivered, and the Trustee acknowledges receipt of the Trust Fund, in Trust, nevertheless, for the following purposes and under the following terms and conditions: ARTICLE I [Description] A)The Trust Fund shall be maintained by the Trustee in one (1) trust for the exclusive benefit of Settlor. Settlor reserves the right to add additional beneficiaries hereunder and Trustee agrees to undertake the duties and responsibilities of Trustee in accepting, holding, managing, and disbursing the principal and interest of the Trust Fund in accordance with the terms and conditions of this Trust Agreement. (B)Trustee may receive any other real or personal property from Settlor or from any other person or perso ns, by lifetime gift, under a will or trust or from any other source.Such property shall be indicated by adding same to Schedule A which shall be held by Trustee subject to the terms of this Trust Agreement. Trustee agrees, if he accepts such additions, to hold and manage such additions in trust for the uses and in the manner set forth herein. (C) Trustee shall receive any real or personal property derived as income produced by the Trust Fund. Such accumulated income shall be added to the Trust Fund and held by Trustee subject to the terms of this Trust Agreement. ARTICLE II [Description]The Trustee shall pay the entire net income arising from the Trust Fund in approximately equal monthly installments to or for Settlor during Settlor's entire lifetime, or as directed by Settlor from time to time, retain and reinvest designated portions thereof, provided, however, that if the net income from the principal of the said Trust Fund, together with such other income as may be available to Settlor and Settlor's spouse (Settlor's spouse) from other sources be insufficient for their comfortable support, welfare, and maintenance, then, and in such case, Trustee is authorized to pay to or use for the benefit of Settlor and Settlor's spouse during Settlor's lifetime so much of the principal of the said Trust Fund as, in Trustee's sole discretion, Trustee may deem necessary for such purposes, or to provide for an emergency of any sort, nature, or description; provided, however, subject to Article IV but notwithstanding anything else contained in this Trust Agreement to the contrary, Settlor may, at any time and from time to time during the existence of said Trust Fund, withdraw all or any part of the principal and accumulated income, if any, by filing with the Trustee a notice to that effect and filing subsequently with said Trustee a receipt for the funds so disbursed.If either or both Settlor and Settlor's spouse shall be determined, in accordance with Article III hereof, to be incapable of the care, custody, and management of the principal and income of the Trust Fund because of advanced age, impaired health, or mental or physical disability, then the Successor Trustee is specifically authorized and empowered, acting in his sole and absolute discretion, to retain all or such part of the income and principal as he deems best, and then to distribute all or part of the income and/or principal for the suitable support, welfare, and maintenance of Settlor and/or Settlor's spouse in such of the following ways as the Successor Trustee shall deem best: a)directly to such beneficiary; b)to such person as such beneficiary may nominate in writing; c)to the legally appointed guardian(s) or conservator(s) of such beneficiary; d)to some person(s) having the care of such beneficiary; or e)by the Successor Trustees using the amounts involved for or on behalf of such beneficiary for his suitable support, comfort, health, welfare, and maintenance. ARTICLE III [Descr iption]During such period that Settlor is the sole Trustee, and if in the judgment of the Successor Trustee, such step is deemed necessary, then the Successor Trustee may appoint three (3) doctors of medicine licensed to practice in the State of Settlor's then current residence, one of whom shall be Settlor's personal physician, if possible, to determine whether Settlor has become incapable of the care, custody, and management of the principal and income of the Trust Fund because of advanced age or impaired health or mental or physical disability. If the three (3) doctors unanimously determine in writing, as evidenced by signed Certificate(s) of Incapacity, that Settlor has become incapable as herein defined, of the care, custody, and management of the principal of the Trust Fund or any income from theTrust Fund, or upon the determination of a court of competent jurisdiction of the physical or mental incapacity of Settlor, then Settlor shall no longer be Trustee nor shall Settlor ha ve the right to become Trustee, and the Successor Trustee shall possess and be subject to those rights, duties, and obligations which they or it would assume if they or it had been nominated as initial Trustee under the terms of this Trust Agreement; provided, however, upon the revocation of the court order hereinabove referred to, or upon the revocation of two (2) of said Certificate(s) of Incapacity, either by any two (2) of the original certifying doctors or by any two (2) duly licensed doctors selected by the Successor Trustee, the rights and powers under this Trust Agreement shall become operative again and shall revert to Settlor. In addition to the above, Settlor is authorized, at any time and from time to time, voluntarily to relinquish his investment control by an acknowledged, written instrument to that effect, delivered to the Successor Trustee. Said instrument shall be known as a Certificate of Authorization. Such Certificate of Authorization shall specify a date after i ts delivery to the Successor Trustee, as the date on which investment control is to be relinquished.From and after such specified date, Settlor shall not possess investment control, unless and until he reassumes investment control by a subsequent acknowledged, written instrument to that effect, delivered to the Successor Trustee. Such subsequent instrument shall specify a later date after its delivery to the Successor Trustee, as the date on which investment control is to be reassumed. From and after such specified date, Settlor shall again possess investment control. ARTICLE IV [Description] During such period of time that Successor Trustee is in possession of an apparently proper and effective court order ruling Settlor to be physically or mentally incompetent to act on his behalf, or is in possession of the three (3) Certificate(s) of Incapacity, as provided in Article III, supra, at least two (2) of which are not revoked, any attempt by Settlor to xercise any reserved rights and powers under this Trust Agreement, including, but not by way of limitation, the right of modification, revocation, amendment, withdrawal of principal and/or income, or the sale of principal of the Trust Fund, shall be void and during such period of time this Trust Agreement shall be irrevocable and not amendable; provided that during such period of time that Settlor is incapacitated as hereinabove referred to Settlor shall have the power to appoint to any person(s), including his estate, any and all assets of the Trust Fund upon his death, but only by specific reference to said Power of Appointment in Settlor's Last Will and Testament, duly proved and allowed for probate.During such period of time that the Successor Trustee is in possession of a properly executed Certificate of Authorization signed by Settlor, Settlor shall retain all reserved rights and powers under this Trust Agreement with the exception of the investment control of the assets of the Trust Fund pursuant to the te rms of this Trust Agreement which shall be reserved to the Successor Trustee. ARTICLE V [Description] Upon Settlor's death, the Successor Trustee shall hold and dispose of the Trust Fund as follows: (A)If Settlor's spouse survives Settlor, the Successor Trustee shall hold, manage, and invest the Trust Fund, collect the income thereon, and pay to or apply for the benefit of Settlor's spouse the net income thereof, in quarterly or other convenient installments (but at least annually), for and during the term of Settlor's spouse's life.In addition, the Successor Trustee may pay to or apply for the benefit of Settlor's spouse so much or all of the principal of this trust as the Successor Trustee, in his sole and absolute discretion, deems necessary or desirable for the support, maintenance, health, welfare, and benefit of Settlor's spouse. Settlor's spouse, in Settlor's spouse's individual capacity, is hereby authorized by instrument in writing delivered to the Successor Trustee, to wit hdraw in the month of December of each calendar year any part of all of the principal of the trust to the extent of Five Thousand Dollars ($5,000) or five percent (5%) of the value of the principal of the trust on the last day of such year, whichever is the greater amount. This right shall be noncumulative.Upon the death of Settlor's spouse, the Successor Trustee shall distribute any undistributed net income of this trust, whether collected or accrued, to Settlor's spouse's Personal Representative and shall pay over and distribute the entire remaining principal to such of my issue, in such shares and proportions and either outright or in trust as Settlor's spouse, by specific reference in her will to said special power of appointment, hereby created, may designate and appoint, or, to the extent, if any, that Settlor's spouse may fail to effectively exercise this said special power of appointment, the remaining principal of this Trust established in this Article V, paragraph (A), sup ra, shall be distributed by my Successor Trustee as follows: (1)In the event that any portion of this Trust referred to in this Article V, paragraph (A), supra, is included in Settlor's spouse's estate, the Successor Trustee shall pay to the Personal Representative of Settlor's spouse's estate, out of the principal of the Trust, an amount equal to the estate, inheritance, transfer, succession, or other death taxes (death taxes), federal, state, or other, payable by reason of the inclusion of the value of the trust property in her estate.Such payment shall be equal to the amount by which (i) the total of such death taxes paid by Settlor's spouse's estate exceeds (ii) the total death taxes which would have been payable if the value of the trust property had not be included in Settlor's spouse's estate. The determination of the Settlor's spouse's Personal Representative of the amount payable hereunder shall be final. The Successor Trustee is directed to pay such amount promptly upon wr itten request of Settlor's spouse's Personal Representative. The final determination of the amount due hereunder shall be based upon the values as finally determined for federal estate tax purposes in Settlor's spouse's estate. After payment of the amount finally determined to be due hereunder, the Successor Trustee shall be discharged from any further liability with respect to such payment. Settlor's spouse may waive Settlor's spouse's state's right to payment under this paragraph by a will, executed after Settlor's death, in which Settlor's spouse specifically refers to the right to payment hereby given to Settlor's spouse's estate. (2)Any then remaining principal, after payment of the taxes as specified in this Article V, paragraph (A)(1), supra, shall be divided, administered, and managed as part of the trust established in Article VI, infra. Notwithstanding anything contained in this Article V, paragraph (A), if Settlor's spouse renounced Settlor's spouse's interest in any port ion of the property passing under this Article V, paragraph (A), such portion shall not pass under this Article V, paragraph (A), but shall pass under and be governed by the provisions of Article V, paragraph (B), infra.Notwithstanding anything contained in this Article V, paragraph (A), if a reduction of the property passing to the Successor Trustee under this Article V, paragraph (A), would not result in any increase in the federal estate tax upon Settlor's estate (after taking into account the unified credit and the credit for state death taxes, but only to the extent that the use of such credit does not increase state death taxes payable by Settlor's estate, and all other estate tax credits available to Settlor's estate and after assuming for this purpose only that all property passing under this paragraph will be qualified for the federal estate tax marital deduction), said property shall be reduced by the largest amount which will result in no such increase, and such amount sh all not pass under this Article V, paragraph (A), but shall pass under and be governed by the provisions of Article V, paragraph (C), infra.In determining the amount of any such reduction, the final determination of the federal estate tax proceeding relating to Settlor's estate shall control, and there shall be taken into account all property passing (or which shall have passed) to or for the benefit of Settlor's spouse (under Settlor's will, this Trust, or otherwise); however, there shall not be taken into account any renunciation by Settlor's spouse or any interest in any portion of Settlor's residuary estate which, but for such renunciation, would have passed under the provisions of this Article V, paragraph (A), and such determination shall be made on the assumption that there was no such renunciation. Such reduction shall be deemed a dollar amount reduction, and the property passing as a result thereof to the trust created under Article V, paragraph (C), infra, shall not partic ipate in increases or decreases during the administration of Settlor's estate.To the extent possible, assets with respect to which the marital deduction is not allowable for purposes of federal estate tax on Settlor's estate, or with respect to which a credit for foreign death taxes is allowable for such purposes, shall be allocated to the property passing to the trust created under Article VI, infra. It is Settlor's intention that this Trust qualify for the marital deduction allowable in determining the federal estate tax upon Settlor's estate. Accordingly, Settlor hereby authorizes the Settlor's Personal Representative to elect that any amount passing under this Article V, paragraph (A), be treated as qualified terminable interest property for the purposes of qualifying for said marital deduction.If Settlor's spouse is not living at the time of Settlor's death, the foregoing provisions of this Article V, paragraph (A), shall be of no effect and the property otherwise segregated fo r and allocated to the trust created in this Article V, paragraph (A), shall rather be held, administered, and disposed of under and in accordance with the provisions of the trust established in Article VI, infra. In the event that Settlor or Settlor's spouse shall die under circumstances that the order of death cannot be established by adequate proof, it shall be conclusively presumed that Settlor's spouse [survived] [predeceased] Settlor, and this Trust Agreement shall be administered as though Settlor's spouse [survived] [predeceased] Settlor, and its terms shall be so interpreted and construed. Such presumption shall be conclusive and binding upon all parties having an interest under this Trust Agreement. B)If Settlor's spouse survives Settlor and renounces her interest in any amount or any portion which would otherwise have passed under the provisions of Article V, paragraph (A), supra, or renounces any portion of Settlor's estate passing to Settlor's spouse pursuant to Settlor 's Last Will and Testament, such renounce amount or portion shall be held, managed, and invested by the Successor Trustee, IN TRUST, NEVERTHELESS, upon the terms and conditions and for the uses and purposes hereinafter set forth. The Successor Trustee shall collect the income therefrom and, after deducting all charges and expenses properly attributable thereto, shall, at least as often as quarter annually, pay or apply all of such net income to or for the use and benefit of Settlor's spouse.If the principal of the Trust established under the provisions of Article V, paragraph (A), supra, is exhausted for any reason, then, from and after such exhaustion, the Successor Trustee may pay to or apply for the benefit of Settlor's spouse, so much or all of the principal as the Successor Trustee, in his sole and absolute discretion, deems necessary or desirable for the support, health, welfare, and benefit of Settlor's spouse. With regard to any property passing under this Article V, paragra ph (B), Settlor directs Settlor's Personal Representative not to elect to have the same treated as qualified terminable interest property for the purposes of qualifying for the marital deduction allowable in determining the federal estate tax on Settlor's estate. Upon the death of Settlor's spouse any then remaining principal of the trust referred to in this Article V, paragraph (B), shall be held, administered, and distributed as part of the trust established in Article VI, infra. C)If Settlor's spouse survives Settlor, and if any amount is directed to be disposed of under and governed by the provisions of this Article V, paragraph (C), said amount shall be held, managed, and administered by the Successor Trustee, IN TRUST, NEVERTHELESS. The Successor Trustee shall collect the income thereon and pay to or apply for the benefit of Settlor's spouse so much or all of the net income thereof as Successor Trustee, in his sole and absolute discretion, deems necessary or desirable for Sett lor's spouse's support, health, welfare, and benefit. Any balance of net income not so paid or applied shall be added to principal annually.If the principal of the trusts established under the provisions of Article V, paragraphs (A) and (B), supra, is exhausted for any reason whatsoever, then, from and after such exhaustion, the Successor Trustee may pay to or apply for the benefit of Settlor's spouse so much or all of the principal of this trust as the Successor Trustee, in his sole and absolute discretion, deems necessary or desirable for the support, health, welfare, and benefit of Settlor's spouse. Settlor's spouse is hereby authorized, in Settlor's spouse's individual capacity, by instrument in writing delivered to the Successor Trustee, to withdraw in the month of December of each calendar year any part of all of the principal of the trust to the extent of Five Thousand Dollars ($5,000) or five percent (5%) of the value of the principal of the trust on the last day of such yea r (which principal shall not be deemed to include undistributed income of the current year), whichever is the greater amount. This right shall be noncumulative.Settlor's spouse is hereby authorized, in Settlor's spouse's individual capacity, by instrument in writing delivered to the Successor Trustee during Settlor's spouse's lifetime, to direct the Successor Trustee to pay over and distribute, at any time or from time to time during her lifetime, so much or all of the principal of this trust to such of Settlor's then living issue, in such shares and proportions and either outright or in trust, as Settlor's spouse, in Settlor's spouse's sole and absolute discretion, may designate and appoint, provided that, no such appointment shall be effective to the extent it relieves Settlor's spouse of any obligations she may have to support any of the Settlor's then living issue. If, in Successor Trustee's sole and absolute discretion, the financial security of Settlor's spouse would not be je opardized, the Successor Trustee may, at any time or from time to time, pay to or apply for the benefit of any one or more of Settlor's then living issue so much or all or any accumulated income and so much or all of the principal of this trust as the Successor Trustee, in his sole and absolute discretion, deems necessary or desirable for the support, health, education, welfare, and benefit of such then living issue or any of them.Upon the death of Settlor's spouse, the Successor Trustee shall pay over and distribute the principal of this trust as then constituted, together with any undistributed net income, whether collected or accrued, to such of Settlor's then living issue, in such shares and proportions and either outright or in trust, as Settlor's spouse, by express reference to this provision in her will, may designate and appoint, or, to the extent, if any, that Settlor's spouse shall fail to effectively exercise this power of appointment, the remaining principal of this Trus t established in this Article V, paragraph (C), shall be held, administered, and distributed as part of the trust established in Article VI, infra. ARTICLE VI [Description]Upon the death of the Settlor's spouse after Settlor's death or if Settlor's spouse does not survive the Settlor then upon the death of the Settlor, the Successor Trustee shall divide the Trust Fund, as then constituted, into separate trusts, equal in value, one for each then living child of Settlor and one for the issue, collectively, of each child of Settlor who predeceases Settlor or Settlor's spouse leaving issue who survive Settlor. The share or portion of a share allocated to each beneficiary shall constitute and be administered as a separate trust. Separate books and records shall be kept for each trust, but it shall not be necessary that physical division of the assets be made to each trust. These trusts shall be administered as follows: (A)Each share so provided for a then living child of the Settlor who has not then attained the age of __________________ (___) years shall be paid over and distributed to such child, outright and free of trust. (B)Each share so provided for a then living child of Settlor who has not hen attained the age of __________________ (___) years shall be held, managed, invested, and reinvested by the Successor Trustee, who shall collect the income therefrom and, after deducting all charges and expenses properly attributable thereto, shall, at any time and from time to time, pay or apply to or for the support, health, education (including college and professional education), and maintenance of the child for whom such share has been placed in trust so much (even to the extent of the whole) of the net income of such share and/or principal of such share as the Successor Trustee, in his sole and absolute discretion, shall deem advisable for such purposes. The Successor Trustee need not consider such child's other sources of income when determining whether to invad e the principal of such share. The Successor Trustee shall accumulate and add to the principal of such share any balance of such net income not so paid or applied. From such time as such child attains the age of __________________ (___) years until such time as such child's share is terminated, the Successor Trustee shall pay over and distribute to such child, outright and free of trust, all income of such child's share, at least as frequently as quarter annually.At such time as such child attains the age of __________________ (___) years, the Successor Trustee shall pay over and distribute to such child outright and free of trust, all then remaining principal and undistributed income, if any, of said share. Upon the death of such child, said child's share, if not previously distributed in full pursuant to the foregoing provisions hereof, shall then be distributed as follows: The Successor Trustee shall pay over and distribute all then remaining principal and undistributed income, i f any, of said share, outright and free of trust, to the then living issue of such child, subject to the provisions of Article VII, paragraph (A), infra, per stirpes; or, if none, outright and free of trust, to the then living children of Settlor, per stirpes; or, if none, outright and free of trust , to the Settlor's heirs.Such distributions to Settlor's surviving children or to their surviving issue shall be made by the Successor Trustee herein appointed if any portion of the trust of such child or children hereinbefore established has not been distributed. If, however, such trust has been distributed, then such share shall pass directly to Settlor's then living children or their surviving issue, if any. (C)Each share so provided for the then living issue of a child of the Settlor who is then deceased shall, subject to the provisions of Article VII, paragraph (D), infra, be paid over and distributed, outright and free of trust, to such then living issue, per stirpes. D)Recognizing the possibility that the amount of the funds or property held in the trust created under this Article VI may be insufficient to justify the continuance of the trust, the Successor Trustee, in his discretion, may terminate any trust created hereunder whenever in his judgment such trust no longer serves a useful purpose, and upon any such termination, distribute the trust assets to the beneficiary of the trust, free and clear of any trust. (E)If neither Settlor's spouse, Settlor's children, nor any of the issue of Settlor's children survive Settlor, the entire Trust Fund shall be paid over and distributed by the Successor Trustee, outright and free of trust, to Settlor's heirs. ARTICLE VII [Description] (A)If any part of the Trust Fund is distributable to a person who is under the age of __________________ (___) years, then, in each case where it shall be lawful to do so, such property shall continue to be held IN TRUST by the Trustees.The Trustees shall hold, invest, and reinvest th e same, collect the income therefrom and, after deducting from said income all amounts properly chargeable thereto, at any time and from time to time, pay to or apply to the support, health, education (including college and professional education), and maintenance of such person so much of the net income as the Trustees, in their sole and absolute discretion, shall deem advisable for such purposes. The Trustees shall accumulate and add to the principal of said Trust any balance of such net income not so paid or applied. The provisions of this Article VII, paragraph (A), shall not refer to any child of the Settlor who is a beneficiary of a trust created under Article VI, supra.In addition, the Trustees shall be authorized, at any time and from time to time, to pay to or apply to the support, health, education (including college and professional education), and maintenance of such person so much (even to the extent of the whole) of the principal of said Trust as the Trustees, in their sole and absolute discretion, shall deem advisable for such purposes. The Trustees need not consider such person's other sources of income when determining whether to invade the principal of said Trust. The Trust hereunder with respect to property shall terminate when such person attains the age of __________________ (___) years or sooner dies, but in no event later than the time set forth in Article VII, paragraph (B), infra.Upon such termination, the Trustees shall pay over and distribute outright and free of trust, the then remaining principal and undistributed income, if any, of said Trust to the person for whose benefit said Trust was established, if he or she is then living; or if deceased, to his or her then living issue, per stirpes; or, if none, to any other issue of the Settlor then living, per stirpes; or, in default of all issue of the Settlor, to such deceased person's estate. (B)Notwithstanding any designation of age or distribution or any other provision contained he rein, if the creation of interests herein in any person shall violate the Rule Against Perpetuities or any other rule of law, then the interest of that person shall be accelerated and shall be deemed to vest within such time as will not violate the Rule Against Perpetuities or any other rule of law.In no event shall any such trust created pursuant to the terms of this Trust Agreement terminate later than twenty one (21) years after the death of the last to survive of the group consisting of Settlor's spouse, Settlor's children, and the issue of Settlor's children living at the time of the death of the Settlor. Upon such termination, the Successor Trustee shall pay over and distribute the then remaining principal and undistributed income, if any, of such trust, outright and free of trust, to the person for whose benefit said trust was so provided, if he or she is then living; or, if then deceased, to his or her then living issue, per stirpes; or, if none, to any descendant of the Set tlor, per stirpes; or, if one, to any then living issue of Settlor, per stirpes; or, if none, outright and free of trust, pursuant to Article VI, paragraph (E), supra. (C)Notwithstanding the foregoing provisions of this Article VII, whenever, upon the death of a beneficiary of any trust created under this Trust Agreement, all or any part of the then remaining principal and undistributed income, if any, of such trust shall be payable or distributable to a person for whose benefit the Successor Trustee is then holding property in trust under this Trust Agreement, then and in that event (in each case where it may lawfully be done) the same shall not be paid or distributed to such person, but shall instead be added to and thereafter constitute a part of the principal of the trust for such person. D)Whenever any property may be distributed to or for the support, health, welfare, education, and maintenance of a person under the age of __________________ (___) years (minor), or the net inc ome or principal of any trust created under this Trust Agreement may be paid or applied to or for the support, health, welfare, education, and maintenance of a minor, there shall be no necessity for the appointment of a guardian to receive distributions, payments, or applications for any on behalf of such minor. Rather, any such distribution, payment, or application may be made by distributing the same or paying the amount thereof to a parent, the guardian (if there is one), or any other person then caring for or having custody of such minor.Any distribution payment or application made to such parent, guardian, other person, or directly to such minor, pursuant to this paragraph (D), shall constitute a complete discharge and acquittance to the Successor Trustee, with respect to such distribution of the sum so paid or applied. (E)Except for the trust created in Article V, paragraph (A), supra, any trust created under this Trust Agreement shall be construed as a spendthrift trust. No p art of the income, accumulated income, or principal of such trust is ever to be subject to transfer, assignment, sale, pledge, or anticipation in any manner by any beneficiary or remainderman, nor is the interest of any beneficiary or remainderman, prior to the termination of such trust, to be seized in any manner or held liable for the debts, contracts, obligations, or engagements of any kind whatsoever of any beneficiary or remainderman hereunder.If any beneficiary or remainderman should execute any document by which he attempts to transfer, assign, sell, pledge, or anticipate his or her interest hereunder, the Successor Trustee is to immediately terminate all payments to said beneficiary or remainderman, and the Successor Trustee thereafter may pay over to any person such sums of money or other property which the Successor Trustee, in his sole and absolute discretion, deems to be in the interest of said beneficiary or remainderman. (F)For all purposes of this Trust Agreement, the terms child or children are defined to mean a lawful descendant or lawful descendants in the first degree, whether by blood or adoption (and whether born or adopted before or after the execution of this Trust Agreement), of the parent designated, and the term issue is defined to mean a lawful descendant or lawful descendants in the first, second, or any other degree, whether by blood or adoption (and whether born or adopted before or after the execution of this Trust Agreement), of the ancestor designated.The provisions of the preceding sentence to the contrary notwithstanding, for all purposes of this Trust Agreement, any child born to or adopted by persons who are holding themselves out as husband and wife after the performance of a marriage ceremony between them shall be considered as a lawful descendant in first degree of such persons, and therefore a child (as defined in the preceding sentence) of such person even though any divorce or annulment proceeding purporting to termin ate a prior marriage of one or both of such persons is or may be invalid; and a blood descendant in the first degree of a person shall be deemed to be a lawful descendant in the first degree of such person, and therefore a child (as defined in the preceding sentence) of such person, if it is established that such person has openly and continuously held out such descendant as his or her own son or daughter. For all purposes of this Trust Agreement the term Settlor's children and terms of like import shall refer not only to the [children / child] of the Settlor now living (viz. , ________________________________) but also to any child of Settlor (as defined in this paragraph (F)) born or adopted after the execution of this Trust Agreement. (G) For all purposes of this Trust Agreement, an infant in gestation who is later born alive shall be deemed to have been in being during such period of gestation for the purposes of qualifying such infant, after its birth, as a beneficiary of any t rusts created hereunder. H) Any reference in this Trust Agreement to Settlor's heirs means those persons, other than creditors, who would take Settlor's person property under the laws of the jurisdiction of Settlor's domicile at the time of Settlor's death if Settlor had died at the time stipulated for distribution, unmarried, intestate, and domiciled in such jurisdiction; and distribution to such persons shall be made in the same manner and in the same proportion that Settlor's personal property would be distributed under the laws of such jurisdiction if Settlor had died at the time stipulated for distribution, unmarried, intestate, owning the property available for distribution and no other property, without creditors, and domiciled in such jurisdiction.ARTICLE VIII [Description] Notwithstanding any other provisions of this Trust Agreement to the contrary: (A) On receipt of a written request from the Settlor's spouse, any unproductive property held as a part of the trust created i n Article V, paragraph (A), supra, shall be made productive or converted within a reasonable time into productive property. (B) The powers and discretions of the Trustee or Successor Trustee shall not be exercised in such a manner as would cause the trust created in Article V, paragraph (A), supra, to fail to qualify for the estate tax marital deduction in the computation of the federal estate tax on the estate of the Settlor. C) The powers and discretions of the Trustee or Successor Trustee shall not be exercised in such a manner as would cause any property remaining in the trust created under Article V, paragraph (C), supra, at the death of Settlor's spouse to be included in the Settlor's spouse's estate for federal estate tax purposes. ARTICLE IX [Description] In addition to and not in limitation of the rights, powers, privileges, and discretions vested in trustees by law, Settlor gives to the Trustee, in the administration of any trust created hereunder, the following powers, to be exercised, without application to any court, to such extent, at such time or times, upon such terms, and in such manner as the Trustee, shall in his absolute discretion, deem advisable. A)To retain, for so long as is deemed advisable, any property, real or personal, included in the Trust Fund, to abandon any property, to change investments and to invest and reinvest from time to time in such other property, real or personal, within or without the United States (including, but not limited to, improved or unimproved real estate directly or through partnerships, limited liability companies, or joint ventures), stocks of any classification and shares of or interest in any discretionary common trust fund or mutual fund, without being limited in such retention, investment, or reinvestment to property authorized for the investment of trust funds or any applicable local law, without regard to diversification of assets, even though such assets are not income-producing. B) To sell, with o r without notice, at public or private sale, for cash or on credit, with or without security, to exchange and to grant options to purchase any property, real or personal, at any time held hereunder, and in so doing to execute all necessary deeds or other instruments. (C)To borrow money, to mortgage or pledge as security, otherwise encumber, any property held hereunder, and, if money is borrowed from the Trustee, to pay interest thereon at the prevailing rate. (D) To lease for any period (without regard to the duration of any trust created hereunder or to any statutory restriction), exchange, partition, divide, alter, demolish, develop, dedicate (even without consideration), improve, repair, maintain, grant easements on, or otherwise deal with real property. E) To make contracts and agreements, to compromise, settle, release, arbitrate, or accept arbitration of any debts or claims in favor of or against any trust created hereunder, to sue on behalf of any trust created hereunder and to defend any suit against the same, to foreclose any mortgage, deed of trust, or other lien securing any obligation and to bid on the property at foreclosure sale or acquire the property by deed without foreclosure, and to extend, modify, or waive the terms of leases, bonds, mortgages, and their obligations or liens. (F) To vote, in person or by proxy, any stock or securities held hereunder, and to exercise or delegate all rights and privileges (such as subscription rights and conversion privileges) and discretionary powers in connection therewith. (G) To exercise any options or warrants for the purchase of securities on such terms and conditions as the Trustee deems advisable and in the best interests of the beneficiary of any trusts created hereunder; or alternatively, not to exercise any such options or warrants (and allow them to lapse) if the Trustee deems such non-exercise to be in the best interest of such beneficiaries. H) To consent to and participate in any reorganization , consolidation, merger, dissolution, sale, lease, mortgage, purchase, or other action affecting any stock or securities held hereunder, and to make payments in connection therewith. (I) To deposit property with any protective, reorganization, or similar committee, to exercise or delegate discretionary powers in connection therewith, and to share in paying the compensation and expenses of such committee. (J) To employ agents, attorneys, accountants, brokers, counsel, including investment counsel, or others, whether individual or corporate, and to pay their reasonable compensation and expenses. The Trustee may serve in any such additional capacity and be so compensated for services rendered in such additional capacity. K) To hold any property, real or personal, in the name of a nominee, or in his name as Trustee or to take stock or securities and keep the same unregistered in such condition that such stock or securities will pass by delivery. (L) In dividing or distributing principal of any trust created hereunder, to make such division or distribution in money, kind, or partly in money and partly in kind, or by allotting or assigning undivided interests in the property, even if one or more shares be composed in whole or in part of property different in kind from that of any other share. (M) To hold, in solido, for convenience of investment and administration, property constituting principal of two or more trusts created hereunder, or to make joint or common investments in which the separate trusts shall have undivided interests. N) To perform and carry out the provisions of any business agreements to which Settlor was a party and which may be in force at the time of Settlor's death (including, but not limited to, agreements of partnership, limited partnership, or joint venture, and agreements arising out of Settlor's interest as an officer, director , stockholder, or member of any corporation or limited liability company), and to reorganize or continue to oper ate any business, whether a sole proprietorship, partnership, limited partnership, joint venture, limited liability company, or corporation, in which Settlor may have an interest at the time of his death, under such terms and conditions, with such other persons and in such manner as the Trustee, may determine. The Trustee is authorized to have a personal interest as partner, venturer, stockholder, member, owner or investor in, to be employed by, or otherwise to serve any business referred to herein, and to receive compensation for such employment or other services rendered to or for such business. The Settlor owns at the date of execution of this Trust certain business known as _________ _____________________________________________.In the event that at the time of the death of the Settlor he owns a controlling interest in said business or successor thereto or in another business enterprise (whether operated in the form of a corporation, a partnership, limited liability company, or a sole proprietorship), the Settlor hereby desires that the Successor Trustee shall continue to hold and operate each such business as a part of the Trust Fund herein created. The Settlor hereby vests the said Successor Trustee, severally, including any successors to either, with the following powers and authority, as supplemental to the ones contained in this Article IX the applicability of which to the business of the Settlor confirms without limitation by reason of specification, and in addition to powers conferred by law, all of which may be exercised with respect to every such business, whether a corporation, a partnership, limited liability company, or a sole proprietorship. 1.To retain and continue to operate the business for such period as the Successor Trustee, as the case may be, may deem advisable. 2. To control, direct, and manage the business. In this connection, the Successor Trustee, in his sole and absolute discretion, shall determine the manner and extent of its act ive participation in the operation, and the Successor Trustee may delegate all or any part of his power to supervise and operate, to such person or persons as he may select, including any associate, partner, officer, member, or employee of the business. 3. To hire and discharge officers and employees, fix their compensation and define their duties; and similarly to employ, compensate nd discharge agents, attorneys, consultants, accountants and such other representatives as the Successor Trustee may deem appropriate; including the right to employ any beneficiary (or individual Trustee) in any of the foregoing capacities. 4. To invest other estate or Trust funds in such business; to pledge other assets of the estate or Trust as security for loans made to such business; and to loan funds from the Trust Fund to such business and to borrow from any bank or other lending institution, on such terms as are currently competitive. 5. To organize a corporation under the law of this or any othe r state or country and to transfer thereto all or any part of the business or other property held in the estate or Trust, and to receive in exchange therefor such stocks, bonds and other securities as the Trustee may deem advisable. 6.To take any action required to convert any corporation or limited liability company into a partnership or sole proprietorship. 7. To treat the business as an entity separate from the estate or trusts. In its accountings to the court and to any beneficiaries, the Successor Trustee shall only be required to report the earnings and conditions of the business in accordance with standard corporate accounting practice. 8. To purchase, process, and sell merchandise of every kind and description; and to purchase and sell machinery and equipment, furniture and fixtures, and supplies of all kinds. 9. To liquidate all or any part of any business at such time and price and upon such terms and conditions (including credit) as the Successor Trustee may determine.The Successor Trustee is specifically authorized and empowered to make such sale to any partner, officer, member, or employee of the business (or to any Trustee) or to any beneficiary hereunder. 10. To exercise any of the rights and powers herein contained in conjunction with another or others. 11. To diminish, enlarge, or change the scope or nature of any business. The Settlor is aware of the fact that certain risks are inherent in the operation of any business and expects that decisions will be required of a businessman's risk nature as contrasted with prudent man rule. Therefore, the Settlor directs that the Trustee shall not be held liable for any loss resulting from the retention and operation of any business unless such loss shall result directly from the Successor Trustee's bad faith and willful misconduct.In determining any question of liability for losses, it should be considered that the Successor Trustee, as the case may be, is engaging in a speculative enterprise at the Set tlor's request. If any business operated by the Successor Trustee pursuant to the authorization contained in this Trust shall be unincorporated, then the Settlor directs that all liabilities arising therefrom shall be satisfied first from the business itself and second out of the estate or Trust Fund; it being the Settlor's intention that in no event shall any liability be enforced against the Successor Trustee personally. If the Successor Trustee shall be held personally liable, he shall be entitled to indemnify first from the business and second from the estate or Trust Fund.It is recognized that any business interest which may be included in any estate or trust may require additional efforts and expertise on the part of the fiduciary. Accordingly, it is recognized that additional fees may be required. Such fees shall be taken as a director's fee, which shall be remitted to the fiduciary and/or as a management consultant charge by the fiduciary. (O) To make any loans, either secur ed or unsecured, in such amounts, upon such terms, at such rates of interest, and to such persons, firms or corporations, as is deemed advisable. (P) To receive, receipt for, and collect any and all income of every kind and character whatsoever, which shall, from time to time, be produced by or arise out of the trust estate. Q) The Settlor, while acting as Trustee, shall have the exclusive power and authority (1) to establish and maintain one or more accounts, which may be margin accounts, for the purpose of purchasing, investing in, or otherwise acquiring, selling (including short sales), possessing, transferring, exchanging, pledging, or otherwise disposing of, or turning to account of, or realizing upon, and generally dealing in and with (a) any and all forms of securities, including but not by way of limitation, shares, stocks, bonds, debentures, notes, script, participation certificates, rights to subscribe, options, warrants, certificates of deposit, mortgages, choses in actio n, evidences of indebtedness, commercial paper, certificates of indebtedness, and certificates of interest of any kind and every kind and nature whatsoever, secured or unsecured, whether represented by trust, participating and/or other certificates or otherwise, and (b) any and all commodities and/or contracts for the future delivery thereof, whether represented by trust, participating and/or other certificates or otherwise; (2) to pledge trust property as collateral for any personal or business loans of Settlor, or for the benefit of any other person or entity designated by Settlor; and (3) to delegate to any agent of Settlor's choice by power of attorney or otherwise, the conducting of banking activities for Trustee, or the hiring, cancellation or use of entry of a safe deposit box or other storage facilities in the name of Trustee. Said power and authority shall be peculiar to Settlor while acting as initial Trustee. (R) To form, renew, or extend the life of any corporation or bu siness entity while under the laws of any state and/or to subscribe for, or otherwise acquire, all or any part of the capital stock, bonds, or other securities of any corporation or business entity. (S) To pay, satisfy, and discharge all taxes and assessments upon the property comprising the trust estate or upon the income derived therefrom, and, in connection with any estate, inheritance, succession, or other imilar taxes that may be imposed upon Settlor's estate, the Successor Trustee shall make provisions and payment therefor if and to the extent that the Personal Representative of Settlor's probate estate, if any, so desires; provided, further, in the event that there shall be included in the trust property and estate any United States Treasury Bonds or other obligations redeemable at par value in payment of the United States Estate Tax imposed upon or with respect to all or any part of the trust property and estate, the Successor Trustee is hereby directed to apply such Bonds o r other obligations toward the payment of said tax in an amount not to exceed the total of such tax and any interest accrued thereon, which Bonds or other obligations may be so applied directly by the Successor Trustee, or, in the Successor Trustee's discretion, may be delivered to the Personal Representative of Settlor's probate estate, if any, in which latter case the Successor Trustee may rely upon any written representations made to it by such Personal Representative as to the total of said tax and shall be under no duty to verify the same. Further, where it is permitted by law to claim expenses as either income or estate tax deductions, Settlor's Successor Trustee may, but shall not be required to, make such adjustment between income and principal as Successor Trustee shall deem proper. Settlor's Successor Trustee shall not be accountable or responsible to any person interested in Settlor's property for the manner in which it shall exercise such election, and the decisions with respect to adjustment between income and principal shall be binding and conclusive upon all persons interested in Settlor's property. T) To determine what part of cash or other property received by it is income and what part is principal, and to determine what expenses and other charges, including Trustee's fees and disbursements, shall be a charge against principal and what against income; provided, however, that stock dividends, rights to subscribe for any stock or securities, or any profit or gain which may accrue from any sale, exchange, or other disposition of assets and property comprising or included in the Trust Fund, shall not be determined to be income subject to distribution, but shall be determined to be principal and shall be added thereto and treated in all respects in the same manner as the original principal of the Trust Fund after deduction therefrom as a charge against the same of all income taxes payable with respect thereto, and all losses sustained as a result of the sale, exchange, or other disposition of assets and property comprising a part of the Trust Fund shall be charged against the income of the Trust Fund or reduce the amount of such income subject to distribution. All cash dividends except liquidating dividends shall be considered as income. U) To pay, satisfy, and discharge all last illness and funeral expenses resulting from Settlor's death, and all debts, just claims, and administration expenses outstanding at the time of Settlor's death or resulting from Settlor's death, and to pay or otherwise satisfy all specific bequests under Settlor's will, as admitted to probate, in the Successor Trustee's discretion, to the extent that the fiduciary of Settlor's estate so desires, or to the extent that there are insufficient funds in Settlor's estate to pay said aforementioned items, without requiring any reimbursement from the Settlor's executors or administrators or other persons receiving property as a result of Settlor's death, pr ovided that no qualified pension or profit-sharing plan comprising a part of the trust estate, which are deemed not to be a lump-sum distribution as defined under the Internal Revenue, and otherwise not subject to Federal Estate Tax, or life insurance proceeds shall be used for such purposes. (V) To construe the trust provisions of this Trust Agreement and any construction thereof, any action taken thereon by the Trustee in good faith shall be final and conclusive, and the Trustee may correct any defect, supply any omission, or reconcile any inconsistencies in said trust provisions in such manner, and to such extent, as the Trustee shall deem expedient to carry the same into effect, and the Trustee shall be the sole, final and conclusive judge of such expediency. W) To make all discretionary decisions provided for or required by the provisions of this Trust Agreement, in their sole, absolute and uncontrolled discretion. (X) Generally to do any and all acts and things and to execute any and all written documents with respect to any property at any time held hereunder which the Trustee would be entitled to do were such property owned absolutely by the Trustee. (Y) To elect or not to elect to treat all or any portion of estimated tax paid by any trust created hereunder as a payment by a beneficiary of such trust, which election may be made pro rata among the beneficiaries or otherwise in the discretion of the Trustee, whose decision shall be conclusive and binding upon all parties in interest.It is the Settlor's intention and purpose, except as otherwise provided in this Trust Agreement, to confer upon the Trustee and Successor Trustee the broadest and fullest power and authority with respect to each trust created hereunder which it is possible for an individual to exercise over his own property and the Trustee and the Successor Trustee shall exercise such powers and authority in their sole discretion, in such manner, and to such extent, as they shall deem advisa ble. The provisions of this Article IX shall continue in effect with respect to any property at any time held hereunder until the execution or termination of the trust with respect thereto shall have been completed by the payment or distribution thereof pursuant to the terms of this Trust Agreement.No powers of the Trustee enumerated herein or now or hereafter conferred upon the Trustee generally shall be construed to enable Settlor, or Trustee, or Successor Trustee, or any of them, or any other person to purchase, exchange, or otherwise deal with or dispose of all or any part of the Trust Fund for less than an adequate consideration in money or money's worth, or to enable Settlor to borrow all or any part of the principal or income of this Trust, directly or indirectly without adequate interest or security. No person other than Trustee shall have or exercise the power to vote or direct the voting of any shares or other securities of this Trust, to control the investment of this Tru st either by directing investments or reinvestments or by vetoing proposed investments or reinvestments, or to reacquire or exchange any property of this Trust by substituting other property of an equivalent value. ARTICLE X [Description]This Trust has been accepted by the Trustee in the State of Maryland and it is the intention of the parties hereto that this Trust Agreement shall in all respects be construed, interpreted, and administered according to the laws of the State of Maryland and that the parties in all things in respect thereto shall be governed by such laws. This Article, however, shall not be deemed a limitation upon any of the powers of the Trustee or Successor Trustee, or to prevent their investing in properties, real or personal, located outside of the State of Maryland. ARTICLE XI [Description] The Trust created by this Trust Agreement is revocable by the Settlor who, at any time, may execute such further instruments as shall be necessary to revoke it.Settlor reser ves the right to alter, amend, or revoke this Trust Agreement in whole or in part, at any time or times, and from time to time, by a letter or memorandum in writing delivered to the Successor Trustee; provided that the duties, powers, and liabilities of the Successor Trustee shall not be materially or substantially changed by such alteration or amendment without Settlor's consent thereto in writing. ARTICLE XII [Description] (A) No bond or other security shall be required of the original Trustee hereunder or of any Successor Trustee. (B) The majority of the adult beneficiaries entitled to receive or have the benefit of the income from the Trust estate may approve the accounts of any individual Trustee at any time resigning as such hereunder. The approval of such accounts shall be full and complete discharge of such Trustee and shall have the same effect as if the Trustee had presented and had its accounts approved by a court of competent jurisdiction. C) In the event any corporate T rustee shall merge or become consolidated with any other corporation, such merged or consolidated corporation is hereby appointed successor corporate Trustee, with all powers, titles, privileges, immunities, discretions, and authorities conferred upon such corporate Trustee so merging or consolidating. (D) Whenever there are co-Trustees hereunder and any Trustee is absent or unavailable, the other Trustee may act without such absent or unavailable Trustee. Any persons dealing with the co-Trustees may rely on a certificate by any one or more of them that he or they have sole authority to act because of the absence or unavailability of the other Trustee, and such certificate shall be binding on the Trust and shall require the Trustee to make fully valid the transaction with any person relying on such certificates. E) The Trustees, and any partnership, firm, corporation, limited liability company, or other business entity in which the Trustees, or any of them are interested, directly o r indirectly, whether as a partner, principal, stockholder, member, creditor, employee, or otherwise, may deal with the Trust in the same manner as a third party might, including (by way of illustration and not limitation) purchasing property from and selling services for the Trust, and joining with the Trust in a joint venture, limited partnership, partnership, limited liability company, syndicate, corporation, or other business or non-business arrangement; provided, however, that no such transaction shall take place unless the Trustees decide that the transaction is fair to the Trust and is in the best interests of the beneficiaries. (F) Any Successor Trustee may resign at any time by giving not less than thirty (30) days written notice to the Settlor, if living; and if the Settlor is then deceased, then to the remaining Successor Trustee, if any; and if there is no remaining Successor Trustee, then to all competent adult persons and the parents or guardians of all minor or incomp etent persons who are at the time entitled to receive income or principal hereunder.Upon the resignation, death, or incapacity of any Trustee or any Successor Trustee, the Settlor shall promptly designate a Successor Trustee; in the event that the Settlor is then deceased, a Successor Trustee shall be promptly designated by the remaining Successor Trustee, if any; and in the event there is no remaining Successor Trustee or if the remaining Successor Trustee fails to designate a Successor Trustee within thirty (30) days, then a Successor Trustee shall be promptly designated by majority vote of all persons who would be entitled to notice of the resignation of a Trustee if a Trustee then resigned. (G) The Settlor shall have the right at any time (i) with the consent of the Successor Trustee(s), to remove any or all of the Successor Trustee(s) and to appoint a Successor Trustee(s) to serve in place of the Successor Trustee(s) who was or were removed, and (ii) with or without the consent of the Successor Trustee(s), to remove any or all of the Successor Trustee(s) and to appoint a bank or trust company having fiduciary powers as a Successor Trustee to serve in place of Successor Trustee(s) who was or were removed. (H) The Trustees (or any of them) shall be paid a fair and reasonable compensation for services performed hereunder. I) No Successor Trustee under this Trust Agreement shall be liable for any act or omission of his predecessor, nor for any loss or expense from or occasioned by any act or omission of his predecessor, nor shall any Successor Trustee be obligated to inquire into the validity or propriety of any such act or omission. Any such Successor Trustee shall be entitled to accept as conclusive any accounting and statement of assets furnished to such Successor Trustee by his predecessor or by the personal representative of such predecessor and shall further be entitled to receipt only for those assets included in such statement. (J) The use of any gend er herein shall be deemed to include the other genders, and the use of the singular shall be deemed to include the plural (and vice versa), wherever appropriate. K) Wherever the term Trustees is employed herein, it shall be deemed to refer to the original Trustee and any Successor Trustee or Successor co-Trustee named herein or other Trustees or co-Trustees appointed hereunder. ARTICLE XIII [Description] Any Successor Trustee shall have all the duties and powers assumed by and conferred upon the Trustee under this Trust Agreement. The appointment of a Successor Trustee shall be made by a duly acknowledged instrument delivered to the beneficiaries. IN WITNESS WHEREOF, Settlor has signed and sealed this Trust Agreement and, to evidence acceptance of the terms and conditions of this Trust, the Trustee and Successor Trustee have signed and sealed this Trust Agreement, all on the day and year indicated below. witness: | |SETTLOR: