Insurance Analysis in Kenya Essay Example

Insurance Analysis in Kenya Essay Introduction Insurance in Kenya is known to have been in existence for over sixty years now with the first insurance companies believed to have been owned by British insurers during the colonial times. The industry is governed by the Insurance Act and regulated by the Insurance Regulatory Authority. The Insurance Regulatory Authority (IRA) was created by the Insurance (Amendment) Act of 2006 and came into operation on 1st May 2007. The Authority was established with the mandate of regulating, supervising and developing the insurance industry. Before the establishment of IRA, these functions were performed by the Department of Insurance in the Ministry of Finance. (IRA 2010) As per AKI Insurance Industry Report for the year 2009, there were 44 licensed insurance companies, majority offering non-life insurance business only, nine of them life insurance business while fifteen were composite (both life and non life). There were 137 licensed insurance brokers, 21 medical insurance providers (MIP’s) and 3,076 insurance agents. Other licensed players included 106 investigators, 57 motor assessors, 18 loss adjusters, 2 claims settling agents, 5 risk managers and 26 insurance surveyors. The industry’s contribution to the country’s GDP is still low although there has been notable growth for the last seven years. The gross written premium by the industry was Kshs 64. 47 billion compared to Kshs 55. 19 billion in 2008, representing a growth of 16. 8 %. The gross written premium in non-life insurance was Kshs 43. 11 billion (2008: Kshs 36. 89 billion) while that from life insurance business was Kshs 21. 36 billion (2008: Kshs 18. 30). Non-life insurance premium grew by 16. 8 % while life insurance premium and contributions from deposit administration business grew by 16. %. The combined industry profit after taxation increased by 14. 4% to Kshs. 4. 29 billion compared to Kshs 3. 85 billion in 2008. In 2009 the industry paid Kshs. 20 billion for claims for general insurance business and as benefits to life policy holders. (AKI 2009) Penetration of insurance in the year 2009 was 2. 84% compared to 2. 63% in 2008. Life insurance recorded a penetration ratio o f 0. 94% (2008:0. 87%) while that of non-life insurance was 1. 90% (2008:1. 76%). Only half a million Kenyans, about 1% of the total population are said to have take up life insurance. We will write a custom essay sample on Insurance Analysis in Kenya specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Insurance Analysis in Kenya specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Insurance Analysis in Kenya specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Up to 80% of Kenyans have no insurance cover due to widespread poverty and a false belief that insurance covers are mainly for the rich. However, based on the recent industry statistics, there is an emerging trend that Kenyans are indeed sensitive to the need for protection against an uncertain risky future. According to Swiss Re (World Insurance Report2009), South Africa is the leading African country in the insurance industry, accounting for 90% of the total volume, followed by Morocco then Egypt. Growth in non life insurance business in Africa was sluggish at 0. 4%. The report pointed out that Africa produced only 1. 4% of the global premium volume in 2009. South Africa’s life insurance premium fell by 16%, premium Growth in Morocco remained flat at 0. 1%, while in Egypt premiums shrank by 5%. There are currently five major players in the insurance industry in Kenya. These include The Co-Operative Insurance Company of Kenya Ltd. (CIC), UAP Financial Services Ltd, APA, Jubil ee Insurance and Resolution Health East Africa. Majority of these insurers operate nationally with a few operating regionally. Some international insurers have entered the Kenyan market through mergers with already existing players. Two of the leading companies were formed through a merger between two existing insurance companies, for instance, APA was formed after a merger between Apollo and Pan-Africa General divisions. Others form partnerships with small insurance companies to cover non-traditional policies like political violence. Solutions need to be developed to address new risks. Insurers have finally recognized the growing needs of the Kenyan people. Agricultural insurance is one of the new policies designed for farmers located in the different parts of the country to shield them from financial loss caused by unfavourable weather conditions. The Cover is provided for livestock, specific crops and poultry losses. Payment of premiums is quick and easy for the farmers, premium payments are done through a specially designed mobile application and in the event of a loss, and farmers are paid through the same method. Medical insurance is divided into three segments, one health cover operated by employers, the second individual cover and the third coverage operated by the government targeting low income earners through the National Health Insurance Fund (NHIF). Health insurers have raised concern about clients who view cover value as expensive as opposed to the benefits. That’s why insurers are coming up with affordable schemes. Medical e-cards that users top up, similar to prepaid airtime scratch cards, any member of the family can use the e-card as long it has money. Due to poor health infrastructure in the country, rural hospitals have inadequate facilities and are understaffed, thereby making people to travel to major city for treatment; this has also contributed to the rise in health insurance cost. Many insurers have shied away from HIVAIDs insurance because of the risks involved. Travel cover is currently being offered by only two insurers, one of them has partnered with Kenya’s main airline company to provide a package that covers loss of luggage, flight delays, cancellation, medical emergency and personal liability. The premium cost is based on traveller’s destination and length of stay. Claims are made online or when the client returns from their trip. The cover can be acquired when buying a ticket or through travel agents. Higher learning has become very expensive both for local and overseas universities, forcing parents to borrow heavily from banks to pay university fees. Education policy is definitely necessary for most parents who want their kids to get good education. The industry is definitely on the growth stage and most insurers are strengthening their market share by positioning themselves as affordable insurance providers offering new products for the untapped regions such as younger and older people. Industry analysis PESTE Political Economic Social Technological Political Factors The political violence experienced in 2007 resulted in major losses for businesses and individuals mainly because current insurance companies were not offering cover for such risks. The unrest has made insurers quickly come up policies to cover these risks. Motor insurance is reported to have doubled in the last six months; the government through the Insurance Regulatory Board has increased the premiums in a move to counter fraud and fake claims known to have forced over ten motor insurance companies to shutdown due to losses incurred through claims. Economic Factors High tax imposed on life and health insurance has made policies to be expensive and affordable to a small percentage of the population. The insurance industry is pushing for tax deductible premiums paid on life and health insurance to be tax deductible from chargeable income up to 30 percent of the gross income. Income Tax Act Cap 470, Section 19(5) and (6) Poverty and unemployment are still the biggest challenges facing the industry. With no source of income for many youth and women, the last thing that this demographic prioritize is insurance. This makes it very hard for the growth and development of the insurance companies because of the low number of clients which represents the few employed people who in turn can be able to pay for the insurance policies provided by the insurance companies. This situation is further compounded by the rise of HIV and AIDS which adversely affects the working class that forms a critical target group for insurance services. The rising levels of poverty and high cost of living has reduced disposable income hence relegating insurance matters to the back burner. This is as a result of people first meeting their basic needs first before considering other expenses, which include insurance policies. Perhaps the government can relax some of the strict regulations present for private investors to encourage investment both locally and internationally. This may increase the number of the insurance companies in the country allowing more space for competition thus in the long run lowering the costs of insurance policies to the advantage of the consumers. High inflation rates has increased operation costs , raised the cost of living and therefore, made it difficult for the citizens to be able to afford insurance policies due to the current turbulent economic conditions that has led to an increase in policy prices. Fraud / Corruption largely affect the development of the insurance sector in Kenya. It has undermined the economic development of the country by generating considerable distortions and inefficiency. This makes the companies to constantly perform poorly and thus calls for the introduction of anti money laundering which helps to curb the vice. Social Factors In order to boost penetration of insurance in Kenya, vigorous awareness campaigns should be used to educate people on the importance of insurance. Policy covers should be packaged with the end-user in mind, for example selling agricultural insurance cover to non-farmers is useless. Product development should be flexible to allow the ever changing needs of the dynamic insurance industry. oIncrease in lifestyle diseases – oIlliteracy levels spread Insurance knowledge and risk management to clients looking to reduce losses, advice clients how to manage their finances and how they can help minimize risks oInadequate health facilities Cultural values – harambee culture oDemographic changes oNegative perception on insurance, bad publicity fraud, fake claims Technological Factors Mobile phone use has eased the communication between clients and the insurance companies in the sense that if any of the two parties want to contact the other, it becomes very simple. Increase use of the Internet has enabled customers to access information, submit claims and compare policies from different providers. Environment †¢ Climatic changes †¢ Emergence of informal settlements. Legal †¢ Lengthy legislation process. †¢ Corruption and fraud. †¢ Lack of structured compensation scheme. Porters 5 Competitive Forces Analysis 1. Rivalry among existing players. The insurance industry is becoming highly competitive. The difference between one insurance company and another is usually not that great. As a result, insurance has become more like a commodity an area in which the insurance company with the low cost structure, greater efficiency and better customer service will beat out competitors. Insurance companies also use higher investment returns and a variety of insurance investment products to try to lure in customers. In the long run, were likely to see more consolidation in the insurance industry. Larger companies prefer to take over or merge with other companies rather than spend the money to market and advertise to people. 2. Threat of New Entrants. Mergers and strategic partnerships are on the rise to introduce products with low premium rates. While the industry leaders have already positioned themselves there are still untapped areas such as the youth and the older generation. Government requires all insurers to maintain a solvency margin of about USD 12,476, or 5 percent of assets in excess of liabilities. This might prevent new players from entering the market because of the high margins required 3. . Availability of Substitutes. Since the existing products in the market are similar, consumers will look for an affordable product to suit their needs. Some policies have many substitutes others have few for instance motor insurance is offered by most of the insurer while health is offered by a selected few. Most large insurance companies offer similar suites of services. Wh ether it is auto, home, commercial, health or life insurance, chances are there are competitors that can offer similar services. In some areas of insurance, however, the availability of substitutes is few and far between. Companies focusing on niche areas usually have a competitive advantage, but this advantage depends entirely on the size of the niche and on whether there are any barriers preventing other firms from entering. 5. Bargaining Power of Buyers. Individuals looking for a good cover obviously have a lower bargaining power compared to corporate customers. 6. Power of Suppliers. Foreign investors are starting to have an interest in this industry. Since insurance is still growing, existing experts in the industry tend to hop from one company to another looking for better pay

Creative Story Writing Lesson for ESL Students

Creative Story Writing Lesson for ESL Students Helping Students Write a Creative Story Once students have become familiar with the basics of English and have begun communicating, writing can help open up new avenues of expression. These first steps are often difficult as students struggle to combine simple sentences into more complex structures. This guided writing lesson is intended to help bridge the gap from simply writing sentences to developing a larger structure. During the course of the lesson students become familiar with the sentence connectors so and because. Aim: Guided Writing - learning to use the sentence connectors so and because Activity: Sentence combination exercise followed by guided writing exercise Level: lower intermediate Outline: Write a sentence with so and a sentence with because on the board: Example: We needed some food so I went to the supermarket. | He studied all night because he had a difficult test the next day.Ask students which sentence expresses a reason (because) and which sentence expresses a consequence (so).Now, write these variations of the sentences on the board: Example: I went to the supermarket because we needed some food. | He had a difficult test so he studied all night.Ask students to explain what has changed in the sentences. Check the students understanding of the differences between so and because.Give the students the sentence matching exercise. Students should match the two sentences that logically go together.Once students have completed this exercise, ask them to combine the two sentences in each pair using so or because. Check their answers as a class.Read the example story to the class as a listening exercise which also sets the tone for the follow Story:A young Swedish man na med Lars met a beautiful young French woman named Lise. They met in a cafe in Amsterdam during the afternoon. As soon as Lars saw Lise, he fell hopelessly in love because she was so beautiful and sophisticated. He wanted to meet her, so he introduced himself and asked her if he could speak to her. Soon, they were talking about their two countries and having a wonderful time. They decided to continue their discussion that evening so they made a date to have dinner in a wonderful restaurant. They continued to see each other every day because they had such a wonderful time together. Five months later, Lars moved to France and they married and lived happily ever after. Have students write a similar story using the guided writing prompts provided on their worksheet. Tell them they should be a creative as possible as that will make their story all the more enjoyable.Circulate around the room helping students with their short compositions.As a follow-up listening exercise which can be a lot of fun, have students read their stories aloud to the class. Results and Reasons I had to get up early.Im hungry.She wants to speak Spanish.We needed a vacation.Theyre going to visit us soon.I went for a walk.Jack won the lottery.They bought a CD.I needed some fresh air.She takes evening courses.Their friend had a birthday.We went to the seaside.I had an early meeting at work.He bought a new house.We havent seen them in a long time.Im cooking dinner. Writing A Short Story Quickly answer the questions below and then use the information to write your short story. Use your imagination to make the story as enjoyable as possible! Which man? (nationality, age)Loved who? (nationality, age)Where did they meet? (place, when, situation)Why did the man fall in love?What did he do next?What did the two do together that day?What did they do after that day?Why did they continue to see each other?How does the story end? Do they get married, do they separate?Is your story a sad or happy story?

Evaluate Assignment Research Paper Example | Topics and Well Written Essays - 1000 words

Evaluate Assignment - Research Paper Example ied to suit the training need and purpose which was developing competent financial advisors with proper product knowledge and enhances professional sales skills for their future careers. Part I: Complete Part I first by taking notes throughout the exercise. On the left-hand side of the paper, write down only what you see and hear from both facilitator(s) and participants. Note some of the following: 1) It was generally observed that some of the participants had little or no background in finance and hence could not be treated equally as participants with an academic background in business or finance. It is therefore suggested that separate course be established to cater for non finance advisors to get basic finance knowledge before advancing to the effective financial advisor course. 2) Another design flow is that it is assumed that all the advisors are interested in sales of all the products and does not give provisions for product specialization or choice of leaning on customer care. The design is also not considerate of already experienced staff that is aware and has already developed sufficient work competencies. The course should also separate total novices and experts in the trainings in future dates. 3) Lastly the training should be more field based as the skills being taught are mostly to be applied in the field. It is therefore not appropriate to evaluate the sales skills of an individual in a classroom setting. A cooperative course in future where some of the selling and communication skills are integrated in an actual environment under the instructors supervision. That would be more effective. Please rate, on a scale of 1 to 5, your overall assessment of the course relative to the statements provided below, with 1 indicating strong disagreement with the statement and 5 indicating strong

Uninsured 2 Research Paper Example | Topics and Well Written Essays - 750 words

Uninsured 2 - Research Paper Example Mayo Clinic is a non-profit medical practice as well as a medical research group that is based in Rochester, Minnesota. The medical facility was founded in 1889 and its current Chief Executive Officer is John Noseworthy. It original founders include Charles Horace Mayo and William James Mayo. It mainly serves North America and has its headquarters in Rochester, Minnesota in the United States (Fye, 2010). Mayo hospital was found to have an asset value of 6.947 billion USD, with an annual generation of revenue at 3.137 billion USD. Moreover, the medical facility employs more that 3,800 scientists and physicians and has 50,900 allied health staff (Mayo Clinic, 2013). This has enabled the hospital to propel itself be near the top of the U.S News and World Report list of â€Å"Best Hospitals† for a period of more than 20 years. The Mayo Clinic is significantly present in three U.S metropolitan areas: Jacksonville (Florida), Rochester (Minnesota), and Phoenix (Arizona). As a consequence, in 2013 the U.S News & World Report ranked Mayo Clinic third overall hospital in America. (U.S. News & World Report, 2013). As pointed out by Baier (2012) the American data has shown that the number of Minnesotans aged 65 years and above will rise by 40% in the next 10 years, shifting demographics which are already evident. These patients in the previous year accounted for approximately half of the 1.1 million patients visiting the Mayo Clinic Health System and Mayo Clinic. With regard to research, researchers from Mayo Clinic contribute significantly to the comprehension of best clinical practices, disease processes, and translation of findings from the laboratory to the clinical practice. It has also been shown that it spends over $500 million annually on research. The health facility employs an estimated 400 doctoral level physicians and research scientists. It has an additional 2,800 allied health

Minority Discrimination Essay Example | Topics and Well Written Essays - 1250 words

Minority Discrimination - Essay Example I, being a Muslim, have faced it to an extent that I feel depressed and its not just about me, many of US Muslims face it regularly. There is always some reason behind the opposition and discrimination against a community, country or a person. After facing such bias and disgrace from others, I was forced to find out the reasons behind it. According to my research, I think that most of the population of US is against Muslims because of the wrongdoings of a portion of our community. They humiliate us and call us "terrorists" regardless of the fact that we're innocent and have not taken part in any such action. The discrimination that Muslims face is not limited to US but there is wide range of countries where Muslims face and bear it. The mayor of our region is of Asian Descent; hence we have relatively less troubles in coping up with our day to day life. People of our community strictly follow the rules made by the mayor, presented by the civilization or set by the religion. They follow the same way of dressing, language, cultural values and ethical principles. The people of our community are tied strongly in a loop where their brotherhood, peace, love and respect do not allow them to take any action against each other. I personally think that we are living a life of heaven in this age of discrimination and conflicts. ... However, one cannot deny the fact that, despite of the uphill struggle, people suffer. The reason of discrimination is basically the revenge of others who treat or treated us badly. This discrimination is, however, not conducted by our mayor but other officials. The issue of Police Officer Susan L. Purtee can be taken as an example. Officer Purtee and her sister, Barbara Gordon-Bell, were accused of making videos which were against Jews, Cubans, Blacks and a few other nations. They tried to convey a message that all the illegal immigrants, blacks and some other minorities are the cause of a number of social evils. This statement and humiliation was a clear-cut discrimination against minorities. The issue was raised because of the position Purtee held (Marx & Narciso, 2007). Such an action by a Police Officer, which may cause hatred, uproar and discipline disorders among the public, was hard to be absorbed. However, on the other hand, Mayor goes up against those videos and the statements of Officer Purtee and her sister. He says "I am personally offended by her racist and anti-Semitic comments, and I believe our citizens should be equally offended. As Mayor, I am highly concerned that this unacceptable conduct will reflect negatively on the entire Division and the City of Columbus. Clearly, Officer Purtee is not representative of our Division's many great Officers. While we respect the right of free speech, we also demand that every Officer meets the highest standard of conduct on and off the job. In my opinion, Officer Purtee's conduct falls far below this City's expectations (Text of Mayor Coleman's letter, 2007)". This clearly shows his despise of such an act from a Government Official. Islam is a religion of peace and justice. Our community

Vertigo, 1958 | Film Analysis

Vertigo, 1958 | Film Analysis Vertigo is a 1958 suspense thriller directed by Alfred Hitchcock, written by Alec Coppel and Samuel Taylor and based upon the 1954 novel Dentre Les Morts by Pierre Boileau and Thomas Narcejac. Starring James Stewart, Kim Novak and co-starring Barbara Bel Geddes. James Stewart plays the part of detective John Ferguson or Scottie as he is known throughout the film, who develops a fear of heights, acrophobia, after he watches a policeman fall to his death during a police chase over the San Francisco rooftops. Following the incident, Scottie retires from the police force, but old friend Gavin Elster (Tom Helmore) hires him as a private detective to follow his wife, Madeleine Elster (Kim Novak) as she has been behaving strangely. Elster believes that she is possessed by the ghost of a dead relative, Carlotta Valdez. It is not long before Scottie starts to find himself becoming obsessed with the beautiful but troubled Madeleine and falls in love with her. As the introductions roll onto the screen, we are confronted by a close up of a black and white womans face, first her lips, her nose, her eyes, then onto one eye, where we can see a tear Her gaze only briefly meets ours, when we first see her eyes, but then they are skirting from left to right. The music gets more intense and the scene turns red, as the eye we are focused on widens in what we can only assume as shock or horror. We then see coloured patterns, starting first in the pupil, then swirling round on the black screen, gradually becoming larger and enveloping the screen and the audience. This setting of emotion and involvement of the audience in what is to be classed as misà ©-en-scene; the creation of emotion through visuals and audio. Fig. 9 Introductory scenes The opening scene underpins the whole of Scotties acrophobia, and as an audience, we also get to experience what it is hes feeling. The music is tense, we can see the skyline, we see them jumping from roof to roof, then we see Scottie slip, hes clinging on to the gutter by his fingertips to stop himself from plunging to a certain death. The other policeman turns to help him, asks him for his hand, but he falls from the roof, to the ground hundreds of feet below. The distance and acrophobia is highlighted by the view on the ground below panning in and out toward us. People who suffer with vertigo feel as if they or their surroundings are moving. These false sensations are often accompanied by a feeling of spinning (Smith et al, 2000: 603). It has also to be noted that psychologists believe there is tension from the feeling of vertigo, whereby there is a desire to fall yet there is a dread of falling. The audience is made to feel the fear and terror that Scottie is experiencing, the fe eling that death is so close, could be so easy. To survive he has to desperately cling to the gutter, his arms and body stretched to their capacity, his mind full of terror, whereas to die, he only has to let go. Within this scene, the audience is given minimal information. We see three men in sequence climb over the top rung of a ladder, the second being a policeman, so we assume the first is a suspect? Thirdly, there is Scottie, but he is in plain clothes, so he could be anybody, but he must be connected to the policeman as he is pursuing him. This is shown as three close up shots, then we have panned out to reveal all three men running across the roof. In turn, they jump to another roof. This is when we see Scottie slip. This can be related to Freuds theory of the Id, Ego and Superego. The Id is the first man; he wants his urges satisfied regardless of society, his focus solely on his pleasure, relative to criminality. The second man, being the policeman, can be shown as the Supe rego, with strict and rigid morals, relatable to the father. It is also in this scene that we can take into account the Oedipus Complex, the son, Scottie, is responsible for the fathers, the policemans, death as he tries to save him from falling, whilst the Id has got free into the darkness. Scottie is left hanging from the gutter; we never see how it is he escapes this situation, leaving him metaphorically stuck there for the remainder of the film. Wood also mentions this theory in his book when he revisits Hitchcocks films. Fig. 10 Hanging and falling Another thing to take into account here is Freuds relation between events and birth trauma and the separation between mother and child. Although he said that a child couldnt recall these memories, they were still instilled within our subconscious. So the idea of falling is, in a way, a re-enactment of birth trauma and separation. This was thought to be at the forefront of anxiety. In the next scene, we are placed within Midges apartment. It is constructed on separate shots between Scottie and Midge and the male/female space in which they inhabit throughout the conversation. They are defined by definite objects, such as Scotties cane and the bra that Midge is sketching. Scottie is re-affirming that he will be free of the corset that is binding him tomorrow, taking back him masculinity and power within the situation. It is only at three points throughout the scene that Midge and Scottie are shown together. Firstly, when Scottie approaches Midge to talk about the bra she is drawing-she speaks of it in a very matter of fact way, telling Scottie that he is a big boy and knows of such things. Next, Scottie talks of curing his acrophobia a small step at a time, he stands on a stool, Midge takes over the situation by bringing him a set of steps to climb, which she encourages him to do so. He sees out of the window between the buildings, like the scene he saw when hang ing from the gutter at the start of the film, but we are still held in reality by the flowers on the windowsill, but his vertigo grips him again. Even the security of Midges home is not enough, that becomes the vision and the drop becomes real. Next, we see Scottie clutched to Midges breast, whilst she holds him and soothes oh Johnny, Johnny. The common theme throughout is the presentation of Midge as the mother figure. In the scenes where they are shown together depict the mother/child relationship that they have. This is a reason why Scottie wouldnt be attracted to her like he is to Madeleine. She is too independent, whereas Madeleine is helpless and mysterious as we find out as the film continues. Fig. 11 Motherly love It is this scene that particularly also states Scotties condition as feminine. When he approaches Midge to ask her what the bra on a wire frame is, she relates the design is based on that on a bridge, the latest in revolutionary uplift made by an aircraft engineer. Not only is the relation of a bridge, which is a high place with regard to Scotties acrophobia, linked with the femininity of a womans undergarment, but the design of it has also been constructed by a man, thus saying that femininity is exactly that. Scottie cannot fulfil his role in society as a police man because of the fear, like Jefferies couldnt in Rear Window because of his injuries. Next we are presented with the exterior of Gavin Elsters office, then straight to Scottie and Elster having a conversation inside. Elster is asking Scottie to follow his wife for him. Around the office, there are mentions of ships, suggesting escape, and also references of the old San Francisco, relating to the power and freedom you gained then, as a man, again, this is mentioned later on whilst Scottie and Midge are talking to Pop Leibel in his bookstore. This relates to the conversation they are having about Elster wife, she is the object in the conversation between the two men, an intensifier of the taboo desire that we often see within films; one woman and two men who both lust after her. The position of power is also shifting between Scottie and Elster. When we first enter the room, Elster is sitting behind his desk, whilst Scottie is wandering around the office, looking at things, he then gets up and explains what he wants Scottie to do, taking power by positioning himself high er than him. Fig. 12 Stances of power Next the viewer is positioned inside the restaurant and is introduced to Madeleine with Scottie. The camera pans across the restaurant and comes to rest upon Madeleines back, her bare shoulders showing. She is shown as an object of desire; a close-up allows us to see her features as a still portrait, like that of the painting of Carlotta Valdez as she gracefully glides through the restaurant in a dream like manner. From this instance she is a mysterious object of desire that we must know more about. She has no idea that our gaze is upon her, she is helpless to it; we are an accomplice to Scottie, if not already him, and what it is in turn we are going to discover about Madelines secret life. When Scottie follows Madeleine in his car, it is downhill, to an alleyway. He follows her inside, through the back door in which she enters, where she is buying flowers. We are seeing from Scotties point of view. When he spies in through a crack in the door, this is how we see her also. When she turns, we see her reflection on the mirrored door that Scottie gazing through the door, completely unbeknown to her. She is surrounded by flowers, bathed in a soft light, enhancing her subtle beauty and femininity accompanied by a haunting music. Is she somehow a mirrored image of Scottie/the viewer? Koftman (1985 cited in Modelski 1989) stated that mens fascination with [the] eternal feminine is nothing but fascination with their own double, and the feeling of uncanniness, Unheimlichkeit, that men experience is the same as what one feels in the face of any double, and ghost, in the face of the abrupt reappearance of what one thought had been overcome or lost forever. This links back to Freud s castration complex. The view of the camera is very much from Scotties point of view, subjective, only further reiterating the point that the feminine is seen as lacking and the masculine is to look. Fig. 13 The perfect and unobtainable Within this scene, another thing to note is the recurrent theme of the oil painting, with the surround of flowers, but also the mirror, not only relating to the Koftman quote above, but also briefly I would like to touch upon John Berger. Within his essays, Ways of Seeing, he talks of the relevance of mirrors, that they reflect the judgemental gaze of others, as well as her own. They are also a symbol of vanity. If a woman is seen surveying herself in the mirror, it is for the benefit of the male, showing her subservience and willingness to become pleasing to the eye, but also her vanity. This in turn can is relatable to Freuds theory of the Electra Complex and Penis Envy. Her affections are transferred from her father to other men to give her what she ultimately wants, due to her lack of a penis, which is a child. This is turn leads onto a point made by Jacques Lacan, whereby he states that the mirror stage of a childs development is crucial so it can place itself within the world and relate to others. Much like Freud stated within the Oedipus and Castration complex, whereby the son relates to his father, wanting to be like him and grow into a man so he can have a woman of his own, like his father has his mother. The screen within the cinema frames its actors much like the mirror frames the self. As Mulvey states; It is the birth of the long love affair/despair between image and self-image which has found such intensity of expression in film and such joyous recognition in the cinema audience. (Mulvey, 2009: 18) When Madeleine falls into San Francisco bay, Scottie rescues her and takes her back to his house, undresses her and puts her to bed. Once again, he is the hero and she is the helpless woman who, without Scottie, would be dead. His obsession is becoming more and more with her. Whilst in his apartment, her near first concern is of the pins from her hair and her handbag, so she can find a mirror and put her hair up, making herself presentable for Scottie. The relation of power is also clear in this scene; Madeleine is sitting on the floor, whilst Scottie takes the higher position of the sofa arm to question her, to watch her. She is the object of desire; of his desire, as well as the male viewers object of desire. From here we can see the relation to any stereotypical fairytale; the hero rescues the helpless princess from the evil man/woman, although there is more to fairytale, for the use of this essay, I am outlining it in this very simplified manner. Take, for example, Cinderella, she is a servant to her stepmother and step sisters, but she goes to the ball, meets the prince, who does everything in his power to find his princess and rescue her. Freud also made this point, highlighting the lengths a man will go to, to rescue the woman they love, even if, as Freud (1910 cited in Perron 2005) stated, another man can claim right of possession, Madeleine being Elsters wife. This in turn, can be linked closely with the Oedipus complex. Freud (1910 cited in Berman 1997) also stated A man rescuing a woman from water in a dream means that he makes her his own mother. In the bell tower scene where Scottie is chasing Madeleine, it is where his masculinity is compromised once more because of his acrophobia. He should have taken his role as a man and stopped her from falling, he should have rescued her, but he failed and she fell to his death. Elster had hired Scottie to follow his wife, but once again, he failed at his job, like he did as a policeman. Scottie is plagued by nightmares of the tragic event. He is falling, like Madeleine, haunted by Carlotta Valdez, colours flash red, signifying not only Scotties vertigo but also his fantasies. Fig. 14 Re-occurring fall When Scottie is back in San Francisco, every woman he sees bears a resemblance to Madeleine. Women on the street, in restaurantsHe seems like a broken man, not the strong counterpart that the audience want to relate to. He follows a woman, Judy, to her apartment and asks her out to dinner. Slowly, we can see Scottie becoming more and more obsessed with Judy, asserting his masculinity by offering to take care of her, but her flowers, clothes. Judy is becoming an ideal passive counterpart to Scotties active sadistic voyeurism. She knows her part is to perform, and only by playing it through and then replaying it can she keep Scotties erotic interest (Mulvey, 2009: 25). We, as an audience, have already made the discovery that Judy really is Madeleine, that she played a part for Elster. It is an uncomfortable discovery as Scottie doesnt know. We almost feel as though we are cheating him, hes falling into a trap and we cant warn him. We are only watchers to the scenes playing out before us, regardless of us; things will still happen and go forth. The essential fact is to get real suspense you must let the audience have information (Hitchcock cited in Bays, 2004). Scottie is trying his hardest to change Judy to Madeleine, and she is letting him. The roles of passive female and the active male are mirrored in the re-enactment of a scene that happened between Scottie and Madeleine. She is a visually objectified other, confirmed by her dress, make up and style. Also, this, again, can be linked back to the Oedipus/Castration complex, when the sole object of the boys desire was his mother. In his eyes, she was the perfect woman and satisfied all his needs. It is only when Scottie is happy that Judy looks enough like Madeleine that he begins to become sexually attracted and interested in her. He has successfully turned her into a fetish; he has eliminated the threat of castration. The tower in which Madeleine and Judy both fell off are very symbolically phallic, re-asserting the masculinity of the situation. The film makes the audience confront their own lives and past.

Metamorphosis in Sweetheart of the Song Tra Bong :: Things They Carried Essays

Metamorphosis in Sweetheart of the Song Tra Bong The story of the "Sweetheart of the Song Tra Bong" is no typical Vietnam war story. It is a story that involves no bloods, guts or glory. This story isn't so much about the physical damage caused by war as much as this story is about the emotional changes that effect not only the males. This is a story that with it's elaboration and ornamentation shows the destruction of innocence. This story is about an impossible that came true. The story in its simplest form involves two main characters and the storyteller, Rat Kiley, a well-known truth stretcher. The main people that your interest in this story is concerned with are Mark Fossie, a solider with the team of medics that Rat was with, and his girlfriend Mary Anne Belle, a young woman of barely 17 years of age. Mark Fossie and Mary Anne Belle were childhood sweethearts nearly betrothed at birth. While in Nam, Mark came up with a master plan to fly Mary Anne over to Vietnam to be with him. As men joked one evening about how easy it could be to sneak someone over Mark heard and took this as no joke. He was going to try it! He spent almost all of his money to get her over but it paid off,they were reunited. The picture of a happy couple they spent most of their time together adn for a while things seemed very normal to them. All they had ever known was being a "them" and when they were together things just seemed to be right. How blindly we see things when we are surrounded by the arms of the one we love. She was young and curious and being the only women there she was very flirtatious. Mary Anne was a bright girl and she wanted to learn all that she could about the war and the land. Her new found purpose becae to find as much as she could about the culture while she was in it. She often went for nature walks and began to learn the Vietnamese language/culture . Even her personality began to change. But eventually she began to learn about guns and war. She started to spend her free time cleaning and shooting. This began the downward trail to her becoming a camo wearing jungle woman.