Analysis of the UK Anti-Money Laundering legislation in the light of Coursework

Analysis of the UK Anti-Money Laundering legislation in the light of implementation of the EU Directives - Coursework Example The UK, being home to the global financial hub of London, has necessarily had to enact a number of measures traceable to the 1993 Money Laundering Regulations. The paper is an analysis of the UK Anti-Money Laundering legislation in the light of implementation of the EU Directives Money laundering is a criminal process of accruing supposedly legitimate assets or moneys, through diverse means and procedures, which are able to ‘clean’ illegal criminal proceeds. Fundamentally, due to its diverse impacts upon the economy, it has been vital for not only localized and regional attention but also global implementation of watchdog policy initiatives. The dynamic nature of criminal enterprise, has necessarily dictated the need for constant updating of prevailing legislation in line with the new methods, processes and avenues of laundering ‘dirty’ money. As a result, the term ‘Money laundering’, has come to be categorized and connected to other diverse forms of financial crime in relation to the general misuse of existing financial systems. Accordingly, under this categorization, diverse forms of financial system misuse i.e. of traditional and digital currencies, credit cards and securities amongst others, have been interlinked to the criminal act1. Furthermore, this has led to the association of terrorism funding, as well as diverse evasion measures of international sanctions with the criminal act of money laundering. Initially, pertinent legislation dealing with this form of criminal activity was mainly focused on local and regional settings, as various nations experienced the positive impacts of industrial growth. Accordingly, the diverse legislations enacted were principled along these contexts, mainly dealing on a local and national scale. However, due to the influence of gradual globalization process, there was need for a re-think of the prevailing preventative measures. Of fundamental importance, because of the link

House Wren Use of Riparian Corridors

House Wren Use of Riparian Corridors PROJECT JUSTIFICATION The South Platte Wildlife Management Area (SPWMA) is a 5,908 Ha property consisting of about 40km of floodplain forest with surrounding upland prairie (Knopf 1986). Riparian forests such as that which occurs along the South Platte River have been of particular interest to researchers investigating avian use of riparian corridors during migration (Machtans et al. 1996, Skagen et al. 1998), and juvenile dispersal (Machtans et al. 1996). A riparian corridor is a strip of vegetation that connects two or more larger patches, and through which an organism will likely move over time (Fischer and Fischenich 2000). Regardless of size or degree of connectivity, many studies have shown these vegetation strips along rivers support a higher diversity and abundance of birds than adjacent upland forests or grasslands (Stauffer and Best 1980, Tockner and Ward 1999). Periodic inundation of alluvial landscapes creates a shifting mosaic of aquatic and terrestrial transition zones (Tockner and Ward 1999 ). This ever-changing mosaic paired with increased water quality (Fischer and Fischenich 2000) results in the increased biodiversity. In 1980, researchers inventoried breeding bird communities at the South Platte River WMA in both riparian and upland areas and compared species densities between them (Knopf 1980). Their results indicated that the floodplain forest is valuable habitat for both resident and migratory species; while 38 species occurred along the rivers edge, only 9 species were present in the adjacent upland. In addition, 30 species were observed only in the floodplain, suggesting that these birds may not have been present at SPWMA in the absence of a riparian forest. Yet another surprising finding of this study was that House Wrens made up more than 20% of the bird community within the floodplain with an estimated density of 3.3 birds/Ha. House Wrens are secondary cavity nesters (SCN), and further studies have found that density of large trees, length of dead limbs and cavity density are the most important habitat variables for density of House Wrens at SPWMA (Sedgewick and Knopf 1990). Furthermore, cottonwoods are probably critical in creating suitable nesting habitat, and a lack of regeneration due to inundation could reduce the overall density of cavity nesters (Sedgewick and Knopf 1990). Many bird species not requiring cavities however, such as Brown Thrasher and Spotted Towhee, do not appear to be as immediately affected by flooding (Knopf and Sedgewick 1987). In 1992, researchers at SPWMA found that SCN bird density was indeed being limited by cavity availability along the river (Sedgewick and Knopf 1992). Knopfs studies over 30 years ago continues to be relevant to this day. As modern day urban sprawl encroaches on to natural landscapes, research on areas important to wildlife remains crucial. It is our goal to continue this study by assessing House Wren use of the area, by estimating House Wren density both within the wooded area, and in the adjacent upland using point counts. Furthermore, we would like to gain insight into whether House Wrens use this riparian corridor for dispersal movements through grasslands. OBJECTIVES The purpose of this study is to estimate House Wren density along the South Platte River floodplain near Crook, Colorado using circular plot surveys. Specifically, our objectives are to: Compare House Wren use of a riparian forest and the adjacent prairie within the SPWMA; Estimate density of House Wrens within the riparian woodland and extrapolate this to other floodplain regions in the United States; and Compare this density with that of previous densities estimated in 1980. METHODS Survey Design Woodland vs. Upland Point Counts Building off of Knopfs 1980 study at this location, we will conduct 60- 6 minute (Thompson and Schwalbach 1995) point counts along the riparian woodland area encompassing about 3,800 Ha, and 60 counts within the adjacent upland area of 22,560 Ha. Points in both areas were created using the create random points tool in ArcMap 10.4.1, with a 300m allowance between points (Fig. 1). Any points falling in the river were moved to another random location. These surveys will be conducted between 24 May and 27 May. Riparian Woodland Use Point Counts Using a similar survey design, another set of 155 surveys will be conducted within the riparian woodland only. Although the efficiency in detecting new birds decreases after 3 visits to the same point (Smith et al. 1995), surveys will be replicated 4 times between 10 May and 26 May to adhere to Knopfs study. These survey locations were placed within the riparian buffer using a 200m allowance (Gutzwiller 1991) between points. These surveys will give a more accurate depiction of House Wren use of the woodland. Figure 1- Point count design Point Count Protocol Observers will use Garmin GPSMAP64 GPS units (Garmin Ltd., Schaffhausen, Switzerland) to navigate to each point. Observers will arrive at the first point of the day 30 minutes before sunrise, and wait silently for 5 minutes to allow birds to reposition themselves. Using a stopwatch, observers will recording all birds they see or hear for 6 minutes. All birds detected within 200m will be recorded (Savard and Hooper 1995, Thompson and Schwalbach 1995, Wolf et al. 1995), along with the radial distance to the bird from the point using a Nikon Aculon AL11 620 laser range finder (Nikon Corporation, Tokyo, Japan). Surveys will continue until 3 hours after sunrise (Lynch 1995). Additional environmental information will be recorded according to the provided survey data sheet (Appendix A). Assumptions in Survey Design In order to extrapolate the House Wren use of the surveyed area to the entire study area, we must meet two assumptions in regards to our survey design. These assumptions are critical to address before implementing the survey to ensure extrapolation is possible. First, the points must be randomly located. This states that to the best of our knowledge, the surveyed area is representative of the entire study region. In addition, we need a large sample of points (>20 points) that are evenly distributed across the study region. A sample of 60 points in each habitat meets this criteria, and an even distribution was achieved through use of a 200m allowance between points. Analysis Detection Function The probability of detecting a bird, given that it is a distance r from the observer is the detection function, denoted by g(r). This value will tell us how many House Wrens we are detecting relative to the real number of House Wrens in a survey. This is important to know, as not every individual is usually detected. We expect to see a detection function that has a broad shoulder and then decreases as distance increases (Thomas et al 2010). This means that the observer detects birds that are nearby at a higher rate, and as the distance from observer to bird increases, detection ability falls. Distance Sampling Assumptions In order to obtain reliable density estimates from point counts, we must meet several critical assumptions. The first is that birds are distributed independently of the point, which we did by placing the points at random locations. Secondly, we assume that birds directly on the point are detected with certainty, or g(0)=1. Third, all objects are recorded at their original location, prior to movement in response to the observer. Since observers are not moving, and utilize a resting period before a survey begins, point counts for a House Wren seems to be advantageous over a line transect. Next, all distances recorded are assumed to be accurately measured. This assumption will be met since observers will be using a range finder. Lastly, all detections are assumed to be independent from one another. This means that the presence of one House Wren will not attract or deter another wren from being present. Density Estimates Density estimates will be attained using DISTANCE 7.0 (CREEM, St. Andrews, Scotland). Since we already know that density and habitat differs to some degree between the forested and upland areas, we made sure to stratify the survey area into upland and riparian. Thus, density estimates will be calculated separately for each habitat. Density in point counts are calculated using the following equation (Thomas et al. 2006): where k is the number of points, w is the radius of each plot, and n is the number of birds detected within the plot. Once we have calculated House Wren density for both prairie and woodland habitats, we can also obtain global(overall) density for the entire area. This is done using the individual area sizes, and overall density for both habitats, in the following equation (Thomas et al. 2006): EXPECTED RESULTS AND BENEFITS With the South Platte River watershed encompassing such a large area, it is important to know how any land management practices would alter the bird community and secondary cavity nesters such as the House Wren. The proposed study will increase our knowledge of avian use of the woodland area surrounding the Platte River, which in turn will aid in future habitat alteration decisions. If funding for the proposed project is given, the project would start right away. Reports of raw abundance and estimated density will be submitted annually, and a final report in the form of a thesis will be presented at project closure. Project Deliverables will include: Annual Report of House Wren abundance and densities in each habitat. Final report by end of study discussing results and future considerations; final report will be in the form of a thesis. ENDANGERED SPECIES CONSIDERATIONS No special considerations need to be taken for the project in regards to endangered species, as our surveys will be non-invasive and do not require capture of animals. NECESSITY AND ETHICAL USE OF ANIMALS We will not be trapping or coming in contact with the study animals, however all federal and state guidelines regarding use of animals will be properly followed. PERSONNEL This study will require 3 avian survey technicians in order to meet the goals of the project. Two biologists already trained in identification of Colorado birds will be obtained through the Texas AM job board. The third person involved in this project will be a masters students at Texas AM University- Kingsville, and will act as the project leader. 2 field technicians to conduct point count surveys and enter data 1 project leader (M.S. student) to conduct surveys and coordinate survey methodology BUDGET Year1:$2.91 Flagging tape (Walmart), 3 at $0.97 $509.97 Laser rangefinder (Nikon Aculon AL11 620), 3 at $169.99 $599.97GPS unit (Garmin GPSMAP64), 3 at $199.99 $1000.00Apartment rental for one month $1,200. 00Rental truck (AVIS) $3200.00Technician salary, 2 at $1600.00 for one month Total:$6512.85 Year 2:$1000.00Apartment rental for one month $1,200. 00Rental truck (AVIS) $3200.00Technician salary, 2 at $1600.00 for one month Total:$5400.00 Year 3:$1000.00Apartment rental for one month $1,200. 00Rental truck (AVIS) $3200.00Technician salary, 2 at $1600.00 for one month Total:$5400.00 Project Total:$17,312.85 TIME SCHEDULE 2017Activity May 1-5Place flagging tape and distance markers at appropriate locations. May 10-23Conduct surveys within riparian woodland May 24-27Continue riparian woodland use surveys Begin woodland and prairie comparison surveys May 28Take down flagging tape and distance markers, data entry JuneData analysis July 312017 annual report turned in 2018Activity May 1-5Place flagging tape and distance markers at appropriate locations. May 10-23Conduct surveys within riparian woodland May 24-27Continue riparian woodland use surveys Begin woodland and prairie comparison surveys May 28Take down flagging tape and distance markers, data entry JuneData analysis July 312018 annual report turned in 2019Activity May 1-5Place flagging tape and distance markers at appropriate locations. May 10-23Conduct surveys within riparian woodland May 24-27Continue riparian woodland use surveys Begin woodland and prairie comparison surveys May 28Take down flagging tape and distance markers, data entry JuneData Analysis July 312019 annual report turned in DecemberFinal report turned in as M.S. thesis LITERATURE CITED Fischer, R.A., and J.C. Fischenich. 2000. Design recommendations for riparian corridors and vegetated buffer strips (No. ERDC-TN-EMRRP-SR-24). Army Engineer Waterways Experiment Station, Vicksburg, MS. Engineer Research and Development Center. Gutzwiller, K.J. 1991. Estimating winter species richness with unlimited-distance point counts. The Auk 108(4):853-862. Knopf, F.L. 1986. Changing landscapes and the cosmopolitism of the eastern Colorado avifauna. Wildlife Society Bulletin 14(2):132-142. Knopf, F.L., and J.A. Sedgewick. 1987. Latent population responses of summer birds to a catastrophic, climatological event. The Condor 89: 869-873. Lynch, J.F. 1995. Effects of point count duration, time-of-day, and aural stimuli on detectability of migratory and resident bird species in Quintana Roo, Mexico. General Technical Report. PSW-GTR-149. USDA Forest Service. Machtans, C.S., M.A. Villard, and S.J. Hannon. 1996. Use of riparian buffer strips as movement corridors by forest birds. Conservation Biology 10(5):1366-1379. Savard, J.L., and T.D. Hooper. 1995. Influence of survey length and radius size on grassland bird surveys by point counts at Williams Lake, British Columbia. General Technical Report. PSW-GTR-149. USDA Forest Service. Sedgewick, J.A., and F.L. Knopf. 1992. Cavity turnover and equilibrium cavity densities in a cottonwood bottomland. The Journal of Wildlife Management 56(3):477-484. Sedgewick, J.A., and F.L. Knopf. 1990. Habitat relationships and nest site characteristics of cavity-nesting birds in cottonwood floodplains. The Journal of Wildlife Management 54(1):112-124. Skagen S.K., C.P. Melcher, W.H. Howe, and F.L. Knopf. 1998. Comparative use of riparian corridors and oases by migrating birds in southeast Arizona. Conservation Biology 12(4):896-909. Smith, W.P., D.J. Twedt, R.J. Cooper, D.A. Widenfeld, P.B. Hamel, R.P. Ford. 1955. Sample size and allocation of effort in point count sampling of birds in bottomland hardwood forests. Monitoring bird populations by point counts. General Technical Report. PSW-GTR-149. Albany, CA. USDA, Forest Service, Pacific Southwest Research Station p. 7-18. Stauffer, D.F., and L.B. Best. 1980. Habitat selection by birds of riparian communities: evaluating effects of habitat alterations. The Journal of Wildlife Management 44(1):1-15. Thomas, L., S.T. Buckland, K.P. Burnham, D.R. Anderson, J.L. Laake, D.L. Borches, S. Strindberg. 2006. Distance sampling. Encyclopedia of Environmetrics. Thomas, L., S.T. Buckland, E.A. Rexstad, J.L. Laake, S. Strindberg, S.L. Hedley, J.R. Bishop, T.A. Marques, and K.P. Burnham. 2010. Distance software: design and analysis of distance sampling surveys for estimating population size. Journal of Applied Ecology 47:5-14. Thompson, F.R. and M.J. Schwalbach. 1995. Analysis of sample size, counting times, and plot size from an avian point count survey on Hoosier National Forest, Indiana. General Technical Report. PSW-GTR-149. USDA Forest Service. Tockner, K., and J.V. Ward. 1999. Biodiversity along riparian corridors. Large Rivers 11(3):293-310. Wolf, A.T., R.W. Howe, G.J. Davis. 1995. Detectibility of forest birds from stationary points in northern Wisconsin. General Technical Report PSW-GTR-149. USDA Forest Service, Pacific Southwest Research Station. Albany, CA. Apendix A- data sheet for avian point counts at South Platte Wildlife Management Area SOUTH PLATTE WILDLIFE MANAGEMENT AREA BIRD SURVEY Site #: ________________Habitat Type: Prairie / WoodlandDate: __________________ Observer Name: __________________________Start Time: _________________________ Wind: calm light moderate strongTemperature: 70 Cloud %: _________Precipitation: drizzle snow fog   Ã‚   SPECIES TIME Visual/ Aural DISTANCE (meters) NOT IN HABITAT (Flyover/ adjacent habitat) COMMENTS

The Grieving of The Mother by Gwendolyn Brooks :: Essay on Gwendolyn Brooks

"The Mother," by Gwendolyn Brooks, is about a mother who has experienced a number of abortions and now has remorse. You can feel the remorse she is going through when reading the poem. She is regretful, yet explains that she had no other choice. It is a heartfelt poem where she talks bout how she will not be able to do certain things for the children that she aborted. This poem may be a reflection of what many other women are dealing with. The first stanza starts off with "Abortions will not let you forget," which sounds like the woman is talking in general terms. She is talking about how future experiences will never take place. Things like "You will never wind up the sucking-thumb or scuttle off the ghosts that come," are some of the many that will not be done. In a way, the women being told this are reminded of the pain they are going through. In the second stanza, the woman is talking about her pain and loss. In "I have heard in the voices of the wind the voices of my dim killed children," she is haunted by her own children's faint cries that she hears in her mind. She then makes the transition from telling the reader to explaining to her children why she did what she did. It feels as though she can't control her emotions and finally breaks down. She forgets about the reader and focuses on her children. She is asking for some understanding when she says, "Believe that in my deliberateness I was not deliberate. . . . Though why should I whine," she asks, "Whine that the crime was other than mine." She feels that she did what she had to do. She probably couldn't handle having kids at the time because of her situation, whatever it was, so she had an abortion. She probably didn't think it was a crime, but society has made her believe it is and she feels guilty. She tries to brush it off when she says, "Since you are dead," but then admonishes herself by euphemizing the meaning by saying, "or rather, or instead, you were never made." In the third stanza, she picks up where she left in the second stanza, but this time she tries to figure out what she did.

Persuasive essay on buying a car over leasing a car

It can well be stated that it is always better to opt for a long termed vision rather than an instant and short termed goal. This true for all the great personalities all over the world and it is also true for all the multinational corporate houses operating on a large scale over multiple continents. The same is true for any and every successful individuals in the globe. (Lamb, 2004) Thus it can well be mentioned that when it comes to the general mass and more particularly an individual things cannot be different in any manner.As a result it is always recommended that one should always go for buying a new car rather than leasing it. In ancient oriental religious texts it is often stated that â€Å"Mahamati Mahajan, je pothe koren gomon, se poth prataswaraniya†. This means â€Å"Trustworthy are the routes that have been taken by eminent saints†. This is because â€Å"Mahamati Mahajan, dristi anata, bakya bhobe duradristisampanna† or â€Å"they are the people in t his world who act on the determination of tomorrow†.(Cunningham, 1978) Thus it can well be seen from these scriptures that it is always recommended to have a long termed goal rather than living for the day. In more practical context it can be stated that if one is about to buy a car then the person is better positioned than a person who is in habit of leasing it. The simple reason behind this is plan arithmetic. Suppose a person needs a car for a day every week. He rents it from the local rental services.This way he pays about $50 a day a week for four days in four weeks and the total amount comes to $200. Now consider this. If one is willing to pay $200 per month to the rental service would not it be much better to pay it as an installment or EMI to a car dealer? Furthermore, under such circumstances the person is due to own the car in a year or two spending the same amount of money as he was spending at a rental service. (King, 2006) It is clear from this illustration that t he person opting for buying a car is the absolute gainer.It can be stated in the same context that in this era of market economy driven livelihood it is essential to be at par with the current trends of buying rather than wasting valuable amount of money for something where the utility of the value is always reducing. Thus it is better to remove all sorts short sight ness and opt for long termed programs and take a page from all the successful people and corporate all over the world. In conclusion it should be mentioned that if one is not able to decide for oneself it is much better to follow examples and analyze simple notions of arithmetic.This is the right approach not only about cars or gadgets but it is also applicable for life as a whole. One should be calculative and analytical and one should always go for buying when it comes to cars rather than leasing or renting it. References Cunningham, R; (1978); Selected Verses from Matsya Purana; National Book Trust King, H; (2006); M anagement principals: Leadership Today; HBT & Brooks Ltd Lamb, Davis; (2004); Cult to Culture: The Development of Civilization on the Strategic Strata; National Book Trust

Shawshank Redemption

Andy’s Changed Life In the film, Shawshank Redemption, directed by Frank Darabont, insight was given to the life of prisoners in bondage. Tim Robbins’ character Andy gave an excellent illustration on how new prisoners enter a world of unknown dangers and survive. Andy’s metamorphosis from â€Å"lanky new fish† to a man of prestige was definitely interesting. His change reflected on his fellow prisoners, the Prison staff, and himself as well during his sentence. Andy exemplified a man who could compromise with his surroundings and make the best of every moment.The story of Andy’s life in the Shawshank Redemption gave insight for every man beginning his prison journey. Upon the arrival of all new prisoners stood Andy, a man convicted of murder. Like any other, bets were placed on him to challenge how long he could last. Andy began his new life quiet and concrete. His fellow prisoners had no idea what type of man he would become. After being attacked a nd raped on numerous occasions Andy had to stand up for himself. As he gradually made friends with Morgan Freeman’s character, Redd, his network grew. He needed things and Redd got it for him.From that point on because of his attitude people grew interested. Andy became one of the most friendliest and dependable friends any of the prisoners ever had. The ways he carried himself and acted upon situations were accepted throughout the entire prison. Once he became well-known it was as if he was the leader of a new clan and the people enjoyed following him. He opened pathways for the men and fought for their education. Through him the prisoners were able to enjoy a library and earned opportunities to get their GED or anything else. Andy was definitely no longer a â€Å"lanky new fish† by the time he left Shawshank Prison.As for the Prison staff at Shawshank Prison, Andy’s attitude and persona took a toll on them as well. Andy was never one to cause trouble or engage in anything involving violence. After a bold act towards the head officer Andy became the accountant and tax preparer for almost the whole Prison Staff. He helped to set up college funds and savings for many of the officers. Andy’s work became so good that the warden himself used him as his personal accountant to maintain his dirty money. At this point Andy had gained respect throughout the entire prison and the officers often looked out for him.The Prison staff became dependable on Andy and his marvelous works. He handled and managed their money so they really had no choice but to trust him. I think it shocked every officer to see himself getting help from a prisoner. As Andy grew within the prison, it can be assumed that he became a prominent figure in maintain the prison itself. Therefore his role as a prisoner seemed to have disappeared and he was just a man. Officers may have feared him as a person because he grew with prestige but in the end they needed him. Every man can see a change in himself whether it is good or bad.Andy definitely saw his change from when he first entered to his last days standing on in the prison yard. When he entered prison he had no idea what he had actually done. After sitting around and living from day to day he was able to realize that life is entirely too short to sit and do nothing. He had been sentence to life on behalf of each murdered person and it was nothing he could to about. He compromised, made friends, and made the best out of every moment. He grew to recite his favorite line, â€Å"I’m innocent, isn’t everybody here? Andy noticed the life of others and knew that it wasn’t a life for him. People depended on the four walls that surrounded them, but Andy understood that they were only temporary. There was life beyond what Shawshank Prison offered. As he looked in the mirror and saw how he was aging his whole attitude changed and it reflected on in his walk and even his talk. Life is all about changing and living. Andy’s life definitely changed and he lived through each moment. His fellow prisoners had first hand experience of his life as an innocent man to a man who could and would take risk.As it shocked them, it shocked him as well. The Prison Staff didn’t clearly understand the type of man he was because he was one of a kind. I admire him because he took his surroundings and made life of it. He helped and changed people’s mind sets of life itself. Andy opened people’s hearts and minds and did it all out of his heart. I don’t believe that he needed prison to understand his purpose in life but it definitely helped him to find one. Works Cited Shawshank Redemption. Dir. Frank Darabont. Columbia Pictures, 1994. Videocassette