Notes, summaries, assignments, exams, and problems

Local Inflammation

1. Occurs when bacteria enter a break in the skin.
2. Inflammatory reaction is initiated by nonspecific mechanisms of phagocytosis and complement activation.
3. Complement activation attracts phagocytes to the area.
4. As inflammation progresses, B cells produce antibodies against bacterial antigens.
5. Attachment of antibodies to antigens amplifies nonspecific responses because of complement activation.
6. Promotes phagocytic activity of neutrophils, macrophages, and monocytes (through opsonization).
7. In the inflamed area, leukocytes attach to the surface of endothelial cells.
8. Move by chemotaxis to the inflamed site.

• Neutrophils arrive first, then monocytes, then T cells.
  • Undergo extravasation (the entire process of movement of leukocytes from the bloodstream

Lymphocyte Migration and Immune Response

Lymphocytes constantly migrate through the blood and lymph, moving from one lymphoid organ to another. This process:

• Enhances the chance that an antibody will encounter its specific antigen.
• The spleen filters blood, while other lymphoid organs filter lymph.

Phagocytosis: A Non-Specific Innate Immune Response

Phagocytosis is the ingestion of microorganisms or particulate matter by a cell. It is performed by phagocytes, which are certain types of white blood cells or their derivatives.

Actions of Phagocytic Cells

1. Among the granulocytes, neutrophils are the most important phagocytes.
2. Enlarged monocytes transform into wandering macrophages and fixed macrophages.
3. Fixed macrophages are located in selected tissues

Immunity Fundamentals

The ability to ward off disease through the body's defenses is called immunity.

Understanding Immunity Concepts

• Susceptibility

  Lack of resistance to a disease.

• Immunity Defined

  The ability to ward off disease.

• Genetic Resistance

  The inability of a pathogen to cause disease.

  • Genetic variation in an individual results in a lack of receptors for pathogen binding or other structures required by the pathogen.

• Innate Immunity

  Defenses against any pathogen.

  • Present at birth.
  • Comprises all body defenses that protect the body against any kind of pathogen.

• Adaptive Immunity

  Immunity or resistance to a specific pathogen.

  • Defenses (antibodies) against specific microorganisms.

Innate Immunity Activation

Innate immunity is activated by protein receptors... Continue reading "Understanding Innate Immunity: Body's First Defenses" »

1. Insurance Agents

An insurance agent legally represents the insurance company (principal) and acts on its behalf. Their authority stems from express, implied, and apparent authority.

2. Insurance Brokers

A broker legally represents the insured. They don't have the authority to bind the insurer but can solicit and accept insurance applications, placing coverage with a suitable insurer. Brokers receive commissions from insurers where the business is placed.

3. Exclusive Agency System

In this system, an agent represents only one insurer or a group of insurers under common ownership. Agents may be contractually restricted from representing other insurers. They don't own policy expirations or renewal rights; the agency does. Renewal commissions are... Continue reading "Insurance Entities: Agents, Brokers, and Insurer Types" »

Contractual Capacity

Individuals Lacking Capacity

• Minors (under 18 years of age)
• Individuals suffering from a mental disability
• Individuals who are intoxicated

Misrepresentation in Contracts

Types of Misrepresentation

• Fraudulent Misrepresentation
• Innocent Misrepresentation
• Negligent Misrepresentation

Proving Duress

Elements of Duress

• Demonstrate that illegitimate means were used.
• The illegitimate means used were a reason for entering the contract.
• The evidence presented is honest and accepted.

Undue Influence

Presumed Special Relationships

• Parent/Child
• Guardian/Ward
• Doctor/Patient

Discharge of Contracts

Primary Methods of Contract Discharge

• By Performance
• By Agreement
• By Frustration
• By Breach

Discharge by Agreement Methods

• Mutual Discharge
• Release
• Waiver
• Substitution

Recovering

The external environment significantly influences a company's operations and strategic direction. In Bosnia and Herzegovina (BiH), businesses like the retail giant Bingo are particularly susceptible to shifts in the political, economic, and social landscape. These external factors are crucial considerations in strategic planning, often analyzed through a PEST framework.

Political Factors and Business Impact in BiH

Changes in government and political leadership in BiH have a profound impact on businesses, especially those in the private sector. Given the country's complex political situation, even minor shifts in leadership can ripple through the business community. Governments establish the rules and frameworks within which businesses operate... Continue reading "Bosnian Business Environment: Bingo's Strategic Adaptation" »

Jackson and Cox's Three Experimental Designs

Jackson and Cox describe three primary types of experimental designs:

Lab Experiments

Lab experiments are designed to manipulate both the social networks within which exchanges will be undertaken, as well as the form of social exchange.

Strengths:

• Manipulation of independent variables indicates cause-and-effect relationships.
• Increased control and accurate measurement.
• Standardized procedures allow for replication.

Weaknesses:

• Total control over all variables is not possible.
• Artificial conditions may produce unnatural behavior that lacks ecological validity.
• Results are likely to be biased by sampling, demand characteristics, and experimenter expectancy.
• May raise ethical concerns, such as deception.

Field Experiments

A... Continue reading "Understanding Experimental Designs: Lab, Field, and Survey Methods" »

The Washington Consensus: Policies and Origins

The concept and name of the Washington Consensus were first presented in 1989 by economist John Williamson, who used the term to summarize policies advised by Washington-based institutions such as the International Monetary Fund (IMF), World Bank, and U.S. Treasury Department. These policies were believed to be necessary for the recovery of countries in Latin America from the economic and financial crises of the 1980s. These key policies include:

• Downscaling of government
• Deregulation
• Trade liberalization
• Liberalization of capital flows
• Privatization

Foreign Direct Investment: Drawbacks for Developing Nations

Foreign Direct Investment (FDI) refers to a company's physical investment into building a plant... Continue reading "Washington Consensus & FDI: Impact on Developing Economies" »

Power Distance (PD) is a fundamental cultural dimension that defines the extent to which less powerful members of a society accept and expect that power is distributed unequally. This concept is crucial for comprehending societal structures and interactions across different nations.

High Power Distance Cultures

In high Power Distance cultures, individuals generally accept and expect a clear social hierarchy. Everyone has their rightful place, and the acceptance and exercise of authority come naturally. For example, in Japanese culture, this hierarchical understanding is often viewed as normal and natural from childhood. This contrasts sharply with the Western notion of authoritarianism, which often carries negative connotations.

• Power Concentration:

Essential English Vocabulary and Phrases

Common Phrasal Verbs

• Stay on: To continue in a place, position, or situation.
• Save up: To accumulate money for future use.
• Look up: To search for something on the internet or in a book.
• Look up to: To admire someone or something.

Money and Education

• Earning money: Getting money for work that you do.
• Allowance: An amount of money given regularly.
• Changed my mind: Had a change of opinion.
• Encourage: To inspire or motivate.
• Skip: To avoid going to; to miss.
• Immediately: Straight away.
• Career: A chosen pursuit; a profession or occupation.
• Degree: An academic title conferred by universities and colleges upon completion of studies, or as an honorary recognition of achievement.
• A-level: Exams which students in England and