The Waiting Room, By Director Peter Nix Essay - 2090 Words

The documentary The Waiting Room is about a safety-net hospital located in Oakland, California. In the film, director Peter Nix follows patients, doctors, and staff throughout a typical day. Furthermore, the film displays how the staff is overworked, and how the American health care system is affecting millions of uninsured patients who try to cope with injury and disease. The film utilizes techniques from the observational mode such as long takes, crisis structure, and documenting unplanned everyday experiences to convey the cruel realities of Americans seeking hope and treatment. The Waiting Room incorporates the observational mode trait of long takes to illustrate the chaos that occurs in the waiting room and behind the scenes of the hospital. Moreover, the long takes in the film provide a bit of each patients’ background story and allows people to express their concerns instead of revealing character individuality, which can help the viewer infer why the health care system in America is failing. The long takes help uncover, â€Å"The body language, and eye contact, the intonation and tone of the voices, the pauses and â€Å"empty† time that gives the encounter the sense of concrete, lived reality† (Nicholas 176), that depicts each patients’ harsh reality of what it is like living with no health insurance. For example, there is a scene where a little girl and her mom follow a nurse into a room, the camera follows them and the viewer can see the crazy amount of working staff. AsShow MoreRelatedThe Waiting Room, By Director Peter Ni x Essay2052 Words   |  9 PagesThe documentary The Waiting Room, is about a safety-net hospital called Highland Hospital located in Oakland, California. In the film, director Peter Nix follows patients, doctors, and staff all throughout a typical day at the hospital. Furthermore, the film displays how the staff is overworked, and how the American health care system is affecting millions of uninsured patients who try to cope with injury and disease. The film utilizes techniques from the observational mode like: long takes, crisisRead MoreThe Waiting Room Presents A Safety Net Hospital Essay2098 Words   |  9 PagesThe documentary The Waiting Room presents a safety-net hospital located in Oakland, California. In the film, director Peter Nix follows patients, doctors, and staff throughout a typical day. Furthermore, the film displays how the staff is overworked, causing an impact regarding how the American health care system is affecting millions of uninsured patients who try to c ope with injury and disease. The film utilizes techniques from the observational mode such as long takes, crisis structure, and documenting

Energy Metabolism Cardiovascular and Digestive Systems

Task 4 (P4) P4: Explain the physiology of two named body systems in relation to energy metabolism in the body In your role as a health and social care professional in a respite care home you have been asked to prepare a booklet to explain to your client group how the body requires and uses energy. You should produce an information booklet that gives an overview of how energy is produced and utilised in the body. You booklet should include information on: * Energy forms * Energy laws * Why the body needs energy and where does it come from. * An explanation of the physiology of two named body system, and their role in the utilisation of energy in the body. An examples of 2 systems the you could discuss are as†¦show more content†¦The blood contains the oxygen, platelets, nutrients, red and white blood cells, hormones which are all important materials for metabolism. M1/ D1 Discuss the role of energy in the body – digestive system Analyse how two body systems inter-relate to perform a named function Metabolism is a chemical process that converts fuel from food into energy needed for the body’s activities. For example, thinking, running and jumping etc. are all an example of the bodies activities. Catabolism is the breakdown of larger molecules into smaller units to produce energy. In the digestive system, large substances such as molecules of fats and oils are broken down by an Enzyme called lipases into fatty acids, which is used and stored as energy. For example, when an athletic swimmer swims for a long time, they are due to run out of energy because they naturally get exhausted; hence, the body tends to use the stored energy in the muscles (fatty acids) to get the athlete energised again. Also, large substances such as, proteins are broken down by enzymes called proteases into amino acids, which is used and stored as energy. An example of this is; when the body gets exhausted the fuel which is converted from the protein is used as energy and also to repair worn out tissues to keep the body healthy and energised. It also stimulates the immune system and aids the body in ATP production. Moreover,Show MoreRelatedExplain the Physiology the Cardiovascular and the Digestive System in the Body in Relation to Energy Metabolism in the Body. Discuss the Role of Energy in the Body and Analyse How Those Two Body Systems Interrelate to Perform a Named Functions.2469 Words   |  10 Pagesthe physiology the cardiovascular and the digestive system in the body in relation to energy metabolism in the body. Discuss the role of energy in the body and analyse how those two body systems interrelate to perform a named functions. For distinction analyse Energy it is the ability to do work. Energy cannot be destroyed but it can be changed to another form. Without energy we would not be able to growth or move. To stay alive we need regular and permanent supply of energy or else we would dieRead Moreâ€Å"Explain the Physiology of Two Named Body Systems in Relation to Energy Metabolism in Your Body†1390 Words   |  6 Pagesand Social Care Assignment 3 Body Systems and their role in Energy Metabolism and The Inter-relationship between Body Systems Anatomy and Physiology for Health and Social Care Assignment 3 Body Systems and their role in Energy Metabolism and The Inter-relationship between Body Systems â€Å"Explain the physiology of two named body systems in relation to energy metabolism in your body† Cardiovascular system The cardiovascular system has many different functions. The fourRead MoreAnatomy and Physiology - Energy Metabolism1339 Words   |  6 Pagesï » ¿Unit 5: Anatomy and Physiology (P4) Explain the physiology of two named body systems in relation to energy metabolism in the body In this task I am going to discuss the three systems involved in energy metabolism in the body. The chemical equation for cellular respiration is: C6H12O6 + O2 = E + CO2 + H2O OR Glucose + Oxygen = Energy + Carbon Dioxide + Water In order to release energy we need glucose which is a simple carbohydrate that is produced after digestion of food and we also need oxygenRead MoreExplain the Physiology of Two Named Body Systems in Relation to Energy Metabolism in the Body1053 Words   |  5 PagesThe Physiology Of Two Named Body Systems In Relation To Energy Metabolism In The Body I am going to explain the physiology of the respiratory and cardiovascular system in relation to the energy metabolism in the body. Energy metabolism is where the nutrients oxygen and glucose are took in and delivered the organs. Energy is needed in order for our body to be able to function. Energy helps break down molecules and to build new molecules. The cardiovascular system consists of the heart, blood andRead MoreAssignment Brief to Break Down Unit 5 Health and Social Care Level 11545 Words   |  7 Pagesanatomy and physiology of the systems involved in energy metabolism. Functional Skills Development: This assignment will give you the opportunity to develop skills in Level 2 English, Math’s and ICT. The functional skills being improved will be identified at the end of each task. Learning outcomes On completion of this unit a learner should: 1 Know the organisation of the human body 2 Understand the functioning of the body systems associated with energy metabolism 3 Understand how homeostaticRead MoreM1,M2, M3 Anatomy and Physiology1612 Words   |  7 PagesDiscuss the role of energy in the body The three systems in our body that work together are cardiovascular, respiratory and digestive systems which supply energy to the cells of the body. 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The breakdown of large molecules into their simpler forms to releaseRead MoreNervous System and The Endocrine System, Questions and Answers1394 Words   |  6 PagesNervous System to Endocrine System The Endocrine System carries hormones into the blood and other body fluids. These chemicals are most important for our growth, responses to stress, metabolism and water and mineral balance. The hormones that the endocrine system distribute throughout the body provide feedback to the brain for neural processing. The reproductive hormones can somehow affect the nervous system development. The Hypothalamus controls some of the endocrine glands. 2. Nervous System to DigestiveRead MoreHealth and Social Care Ocr Level 3 Unit 51747 Words   |  7 PagesD1: Analyse how system of the body use energy Introduction In this task I will be examining how the different body systems use energy and why the body needs energy. I will also be analysing cellular respiration which is the process in which energy is made, along with the by-products and anabolism and catabolism. Later on in this task I will be analysing how ATP is used in muscle action, protein production and how we as mammals use the energy released as heat. * Fight infections * MovementRead MoreOrgan Systems And The Nervous System Essay2084 Words   |  9 Pagesorgan systems in the human body are the nervous system, cardiovascular system, endocrine system, digestive system, skeletal system and the reproductive system. Nervous System There are two parts to the nervous system which are: the central nervous system and the peripheral nervous system. The central nervous system includes the brain and spinal cord and some nerves, whereas the peripheral nervous system includes all the other nerves and it carries information to the central nervous system and also

Case Study Of High Strength Concrete Construction Essay Example For Students

Case Study Of High Strength Concrete Construction Essay In the text below I have tried my best and set in all of my attempts to make a papers that might assist other pupils even without any anterior cognition of the topic to understand the really of import capable concrete with thorough apprehension of the concrete. The text gives the basic cognition of the lesser of import constructs and has been written to depth for of import and practical constructs. I have tried to make a papers that shall be used to give talks and cover the spread between a professor with in deepness cognition of the topic and a pupil who has merely been introduced to the topic. I am besides grateful to my professors and friends for their support in finishing this work. I hope the papers acts as a manner of information instead than being a saber saw mystifier and carry through all the demands for the formal entry. Introduction: Civil technology is the oldest and the most basic watercourse of technology. When we think of civil technology the first thing that comes to mind is cement and building, when we come down to the more utilizations of civil technology we think of concrete. Concrete is non such a simple thing as it may look down to a non building related individual, it is due to the fact that it has so many practical utilizations, more than any building stuff that it has a specialisation of its ain. So the survey of concrete is really helpful or may be considered the most necessary surveies for a civil applied scientist. Nowadays the survey of concrete is considered as the anchor of the building industry. This topic has its ain specialisations available for survey is such a huge topic that for a building industry or company the success is decided by its concrete applied scientists. The modern industry of the todayaa‚Â ¬a„?s universe relies wholly on the building of concrete c onstructions. Concrete has experienced this great assortment of usage due to its fantastic belongingss that wholly distinguish it from any of the remainder of building stuffs. The history of building hints back to the times of Assyrians and Babylonians who foremost made the usage of clay as a cementing stuff. The ancient garrisons and military edifices, the defence constructions have witnessed a broad usage of the concrete made of sums and calcium hydroxide as a binder. Construction of the pyramids in Egypt has besides proved the usage of calcium hydroxide and gypsum as a binder in the concrete works. The outstanding scientists of the concrete survey are Vitruvius who is believed to hold the cognition of chemical science of the cementitious calcium hydroxide. One of the singular antediluvian plants is the pantheon, which consists of a dome spanning 43.43m and is made wholly of concrete. The Romans besides used suited cements made of suited limestone burned in kiln or were mixtures o f calcium hydroxide and puzzolanic stuffs ( volcanic, ash, tufa ) uniting into a difficult concrete. Vitruviusaa‚Â ¬a„?s work was followed by the researches made by M. Vicat of France. Joseph Aspedin of Yorkshire ( U.K. ) was the first to present Portland cement in 1824 formed by heating a mixture of limestone and finely divided clay in a furnace to a temperature high plenty to drive off the carbonaceous acid gas. In 1845, Issac C. Johnson invented the cement by increasing the temperature at which the mixture of limestone and clay were burned to organize cinder. This cement was the paradigm of the modern Portland cement. From so onwards, a gradual betterment in the belongingss and qualities of cement has been made possible by research workers in U.S.A. , U.K. , France and Germany. What precisely is concrete: Concrete is a composite semisynthetic stuff most widely used edifice stuff in the building industry. It consists of a rationally chosen mixture of adhering stuff such as calcium hydroxide or cement, good graded mulct and coarse sums, H2O and alloies ( to bring forth concrete with particular belongingss ) . In a concrete mix, cement and H2O form a paste or matrix which in add-on to make fulling the nothingnesss of the all right sum, coats the surface of all right and harsh sums and binds them together. The matrix is normally 22-34 % of the entire volume. Freshly assorted concrete before set is known as moisture or green concrete whereas after puting and indurating it is known as set or hardened concrete. The moulded concrete mix after sufficient bring arounding becomes hard like rock due to chemical action between the H2O and adhering stuff. It would be impossible to discourse all the facets of this stuff in few pages and the treatment is confined to the g eneral features and quality trials necessary for its usage by civil applied scientists and designers. Most of the ancient constructions and historical edifices had been constructed with lime concrete. With the coming of cement, the usage of lime concrete has been confined to doing bases for concrete foundations and roof terracing. The major factors responsible for broad use of cement-concrete are mouldability, early hardening, high early compressive strength, development of coveted belongingss with alloies to be used in inauspicious state of affairss, suitableness for guniting, pumpability and lastingness. The simple ground for its extended usage in the building of about all civil technology plants is that the belongingss can be controlled within a broad scope by utilizing appropriate ingredients and by particular mechanical, physical and chemical processing techniques Buildingsaa‚Â ¬ from individual floor to multistorey, Bridgess, wharfs, dikes, weirs, retaining walls, liquid retaining constructions, reservoirs chimneys, bins, silos, tracks, pavings, shells, arches, railroad slumberers are but a few illustrations of cement concrete applications. Concept of high strength concrete: Concrete due to its versatile belongingss is used for many heavy and medium or low cost buildings. So the concrete used in these plants is non wholly same. Thus for more of import and demanding works a concrete with higher strength is needed. This concrete can be given excess strength by assorted methods. Normally any concrete which falls in a class over M65 is considered or called high strength concrete. This M65 signifies a compressive strength of 65N/mm2 after 28 yearss. This strength apart from other methods can be reached by Reinforcing the concrete with other stuffs of higher strength. Reinforcing means the blending the concrete mix with other stuffs. The stuffs most normally used are steel, bamboo, wire mesh, sticks etc. These stuffs provide those belongingss to the concrete that the concrete itself lacks. The concrete so strengthened becomes so strong that no other stuff can be compared to it. Besides the strength to be ratio of this is really less as compared to any other stuff available in the market. RCC and concrete: RCC and concrete are the same thing but for the fact that RCC has some support provided to the mix and the field concrete is merely a mix of cement sand and H2O along with sums. The support is placed where the construction has to be built and concrete is subsequently put on it and both of these bond together to organize a high strength concrete. The most common reenforcing stuff used is steel in the signifier of steel bars and wire mesh. So the wire mesh or the steel bars are easy to topographic point and the chief work so lies in decently fixing the concrete mix. So we shall now analyze the readying of the concrete mix. Preparation of concrete: The concrete is reasonably easy to fabricate. The readying of concrete is a stepwise procedure. Its readying involves storage of stuffs viz. sand sum, cement, H2O. After that follows batching of stuffs which is a procedure of measuring of stuffs by different, convenient methods. Then falls the procedure of blending which is a critical procedure ; the most of belongingss depend on the commixture conditions and the type of blending done. Mixing is the procedure of blending the stuffs, batched before and fixing the concluding concrete mix or paste. The concrete so prepared is now needs to be transported to the site of usage. This is done by utilizing pans, wheel saloon rows, theodolite sociables, chutes, bell conveyors, pumps, tower Crane and hoists etc. Now that the concrete has been brought to the site it needs to be placed such that it additions maximal strength every bit easy as possible. So the placing is besides a really critical procedure of the concreti ng operation. Now that the concrete has been placed we now have to do certain that no nothingnesss are left in the located mix. Compacting the concrete mix makes certain that the concrete additions fullest of its strength. Then remains coating of the concrete work done to do certain that it looks good aesthetically. Then the concrete needs to be cured to look into the development of clefts and command the heat of hydration. Lifetime Goals and Achievements EssayClasss lower than M30 should non be used in station tensioned prestressed concrete. Classs lower than M40 should non be used in pre tensioned prestressed concrete. There are two types of concretes based on the method of proportioning: Ordinary concrete ( normal mix concrete ) Controlled concrete ( design mix concrete ) Ordinary concrete ( normal mix concrete ) : The concrete in which the proportions of cement, sums and H2O are determined by following nominal concrete mixes and no preliminary trials are performed is called ordinary concrete. It is merely used when it is non possible to utilize controlled concrete. It may be used for classs M20 or lower if designed mix concrete can non be used for some grounds. The proportions of the ingredients are specified by the applied scientist normally without proving the stuffs. There is no warrant that a M20 nominal mix with adopted proportions ( say 1:4:8 ) will hold a 28 yearss cube strength of 20N/mm2. IS 456:2000 suggests the proportions of stuffs required for nominal mix concrete as shown in the tabular array below: Class of concrete Entire measure of dry sum per 50 kilogram of cement ( kilogram ) Proportions of all right sum to coarse sum by wt. Maximum measure of H2O per 50kg of cement ( litres ) M10 480 By and large 1:2 but upper 34 M15 330 Limit is 1:1.5 and lower 32 M20 250 Limit is 1:1.25 30 Controlled concrete ( design mix concrete ) : The concrete in which the proportions of cement, sum and H2O are determined by carry oning preliminary trials for the design of mix is called controlled concrete. A design mix concrete is preferred over a nominal mix concrete for lastingness, strength and economic system. Reinforced cement concrete: RCC or reinforced concrete cement is yet another type of high strength concrete. As explained when reenforcing stuffs of higher strength are added to the concrete it becomes strengthened cement concrete. The chief characteristic of adding this support is that it makes the concrete really strong even in tenseness ; otherwise in which concrete is really weak. This happens due to the bonding between reenforcing stuffs and the concrete mix. The concrete so prepared is used for many intents such as wharfs, Bridgess, overpasss, dikes, slabs, arches etc. The strength of same proportions of stuffs of concrete when reinforced outputs more than twice the strength as it would otherwise. IS codifications help us design constructions of RCC by sing assorted norms and bounds of safety and other factors. These tell us what excess commissariats are needed to be made in certain conditions. The usually used supports are steel bars which are explained in item as under: Steel bars are available in the market in assorted sizes which are the step of the diameter of the saloon. These sizes range from 6 millimeters to 24 millimeter for general intent. Other larger and specialized sizes are besides available for particular buildings. These bars are cast of steel formed by add-on of approximately 1 % of C content to press while itaa‚Â ¬a„?s fabrication. This steel is really difficult and is really malleable. Traces of other stuffs are besides added to this steel to modify suited belongingss. These bars are of two types based on the procedure of fabrication or concluding belongingss: TMT- thermo automatically treated bars Sal- ordinary ribbed bars. TMT: this is a merchandise of the new age and has evolved as a consequence of scientific research over the old ages in the Fieldss of metallurgy and other related field such as metallurgy and the belongingss of metals. These bars as the name suggests are automatically treated to do stronger. These are foremost heated to a temp of 1400C ( ruddy hot ) and so cooled all of a sudden which makes it stronger. Then these bars are besides ribbed which makes them stronger at bonding. These bars are available in the market and are preferred over the other field or ribbed or SAL bars. SAL: these are the traditional bars which were foremost tested by organizing corrugations or ribs. The ribs on these are coiling in form. These are less strong than the other types of bars ( TMT ) . These bars are manufactured from steel with 0.8-1.2 % of C content in Fe. These bars are brickle and less malleable. So these are presents traveling out of market. These are non used in any of the technology plant. The cost of these is non well less than the TMT bars. These bars are available in sizes runing from 8mm to 26mm. these bars make a weaker bond than TMT and should non be used for any of import plants. Design of RCC: RCC constructions need rather a batch of mathematical analysis to be done before the values of concluding building are received. The maximal sum of steel that can be added to the constructions is 4 % of the cross sectional country. The slabs and beams designed of RCC are categorized into two parts- singly strengthened constructions and double reinforced constructions. Singly reinforced constructions are those in which the steel support is added to the lower side of the beam or the slab that bears tenseness. Doubly reinforced constructions are those in which the steel support is added to both- upper and lower side of the construction for instances of variable tenseness and compaction values ; or excess strength is required for higher burden values or when the dimensions of the member to be cast are limited due to some ground or other. These sorts of things make the RCC structures anchor of the building industry. These RCC constructions with steel are besides really safe for shear and torsional forces excessively. Changes of belongingss of concrete ( Admixtures ) : The concrete has its certain belongingss that sometimes are needed to be changed, for this grounds other stuffs other than the basic ingredients are added to the concrete while blending. These stuffs are called alloies. These are categorized into several divisions: Accelerators Retarders Water-reducing alloies Air-entraining alloies Plasticizers Some common illustrations of alloies are fly ashes, silicon oxide smoke, rice chaff ash, metakaolin. Now inside informations of these types of alloies Accelerators: Accelerators are the chemicals used to speed up the scene and hardening of concrete. Accelerators are added to concrete to: Increase the rate of hydration and hence to increase the rate of strength development. Reduce the scene clip. E.g. of accelerators- Ca chloride, triethenolamine etc. Retarding alloies ( Retarders ) : Retarders are the chemicals used to detain the scene and hardening of concrete. Retarders slow down the chemical procedure of hydration so that concrete remains fictile and feasible for a longer clip than a concrete without retarder. E.g. of retarders are sugar, calcium sulfate, skimmed milk, ammonium chloride, Ca borate, Ca tartarate, mucic acid etc. Water cut downing alloies: These are used to: Increase the workability of freshly assorted concrete without increasing H2O cement ratio. Maintain workability with decreased H2O cement ratio. Sugar in add-on to moving as a retarder, improves the workability of concrete besides. Carbohydrates and organic acids are other illustrations of H2O cut downing alloies. Air entraining agents: Air-entraining alloies are used to entrain air in signifier of really little disconnected air bubbles in concrete. The air bubbles ( about.01 to.25mm Defense Intelligence Agency ) act as flexible ball bearings and modify the belongingss of fictile concrete. It besides modifies the belongingss of hard-boiled concrete. Plasticizers: Plasticizing alloy is a substance which imparts really high workability with a big lessening in H2O content ( at least 20 % ) for a given workability. It besides permits the usage of lower H2O cement ratio for the same workability. Materials used as plasticisers: Anionic substances such as lignosulphonates. Nonionized wetting agents such as hydroxylated carboxylic acid. Other merchandises such as saccharides. Calcium, Na, and ammonium lignosulphonates are largely used as plasticisers. Plasticizers are used in the sum of 0.1 to 4 % by weight of cement. A 0.5 % concentration of plasticiser by weight of cement can: Increase the 28 yearss compressive strength by 30 % with 20 % decrease in H2O cement ratio. Increase slack from 25 to 100mm. Necessitate 15 % less cement. Uses: these can be used where a high grade of workability is required in state of affairss like: Deep beams. Column and beam junctions. Tremie concrete. Pumping of concrete. Thin walls of H2O retaining constructions with high per centum of steel support. This was it about the instance survey of high strength concrete. I have tried my best to give the best attack possible to every facet of any construct. Still worlds will maintain devising errors so that they can larn from them. Thankss.

Porter Five Forces Insurance Industry Essay Example

Porter Five Forces Insurance Industry Paper Introduction: Genworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 global financial security company. Genworth has more than $100 billion in assets and employs approximately 6,000 people with a presence in more than 25 countries. Its products and services help meet the investment, protection, retirement and lifestyle needs of more than 15 million customers. Genworth operates through three segments: Retirement Protection (which includes Life Insurance, Long Term Care, and Fixed and Variable Annuities), U. S. Mortgage Insurance and International (which includes payment protection products). Its products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists. Genworth Financial, which traces its roots back to 1871, became a public company in 2004 and is headquartered in Richmond, Virginia. Competitive Rivalry: Highly Competitive Industry Large insurance companies offer similar products Insurance products similar to commodity Companies with low costs, operating efficiency, and superior customer service will be more competitive Consolidation and A activity among the larger companies We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Threat of New Entrants: Difficult to enter insurance industry as a small â€Å"start-up† player due to capital and regulatory requirements Large financial services companies such as banks or investment banks offering insurance products Entrance of niche companies such as Life Settlement firms that buy existing policies Power of Suppliers: Suppliers of capital, such as reinsurers, control the cost structure of external capital which could cause difficulties with insurers to write new usiness Threat of suppliers or other competitors hiring away key professional and executive talent Power of Buyers: Individual consumers are not a major factor Brokers and distributors of Genworth products have more bargaining power as to what products to sell to consumers Availability of Substitutes: Many substitutes in the insurance industry Most of Genworth’s competitors (Met Life, John Hancock, Prudential, Protective Life) offer a similar suite of retirement and protection products Porter Five Forces Insurance Industry Essay Example Porter Five Forces Insurance Industry Paper Introduction: Genworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 global financial security company. Genworth has more than $100 billion in assets and employs approximately 6,000 people with a presence in more than 25 countries. Its products and services help meet the investment, protection, retirement and lifestyle needs of more than 15 million customers. Genworth operates through three segments: Retirement Protection (which includes Life Insurance, Long Term Care, and Fixed and Variable Annuities), U. S. Mortgage Insurance and International (which includes payment protection products). Its products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists. Genworth Financial, which traces its roots back to 1871, became a public company in 2004 and is headquartered in Richmond, Virginia. Competitive Rivalry: Highly Competitive Industry Large insurance companies offer similar products Insurance products similar to commodity Companies with low costs, operating efficiency, and superior customer service will be more competitive Consolidation and A activity among the larger companies We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Porter Five Forces Insurance Industry specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Threat of New Entrants: Difficult to enter insurance industry as a small â€Å"start-up† player due to capital and regulatory requirements Large financial services companies such as banks or investment banks offering insurance products Entrance of niche companies such as Life Settlement firms that buy existing policies Power of Suppliers: Suppliers of capital, such as reinsurers, control the cost structure of external capital which could cause difficulties with insurers to write new usiness Threat of suppliers or other competitors hiring away key professional and executive talent Power of Buyers: Individual consumers are not a major factor Brokers and distributors of Genworth products have more bargaining power as to what products to sell to consumers Availability of Substitutes: Many substitutes in the insurance industry Most of Genworth’s competitors (Met Life, John Hancock, Prudential, Protective Life) offer a similar suite of retirement and protection products