In this 500-word essay, you will reflect upon the ways that social, political, and cultural developments have an impact upon you and your actions.Your essay may be about how the economy has changed your work, how technology has had an impact on your career pursuits, why you decided to pursue your degree, or other factors. Consider the cultural expectations from co-workers, friends and family, and your response to these expectations. You are not limited to this list, but may think of any external force and your internal action and personal response.Author Seth Godin gives a definition of art that goes beyond the first impression of someone who paints, draws or makes music. In fact, you can engage in art whenever you aim to make a difference and share your potential. Thus, you can be an artist in customer service, manual labor, helping professions, or law enforcement. “An artist is someone who uses bravery, insight, creativity, and boldness to challenge the status quo. An artist takes it personally…Art is a personal gift that changes the recipient. The medium does not matter. The intent does. Art is a personal act of courage, something one human does that creates change in another (Godin, p. 83-84).” On this definition, your artistic expression may be pursuing your education, volunteering in your community, mentoring young people, or being the best parent you can be. The possibilities are broad.You should open with an introduction that gives the scope for your essay, a preview of your main points, and a thesis. You will answer the following questions.Define one external factor that you believe has an influence on you. Introduce it and explain what it is and why you believe it is a good choice for investigation.Write about the impact of this external factor. Assess how you may have had to change to adapt, or how you have taken action in the face of external change.In Godin’s definition, art is about caring, creating change, and acting courageously. How might you do this in the future? Social, cultural, and political forces may cause you to change, but how have you been able to create a change that you direct?The paper should conclude with a substantive and meaningful conclusion that restates the thesis and main points. You are welcome to write this paper in first person, since you are writing from your own impressions and experience.Reference:Godin, Seth. (2010) Linchpin: Are You Indispensable? New York, New York: Penguin Group.

As a practicing independent Behavior Analyst, you have received an email from a staff member representing a provider of education and/or human services requesting your services. Specifically, this staff member has asked you to meet with other staff and/or administrators to develop a behavior intervention plan for a third grade student at a local elementary school. This student is demonstrating significant problem behaviors in the form of disruptive behaviors in his classroom and in other settings within the school (lunch, recess, specials, etc.). Disruptive behaviors have been termed “aggressive” and “non-compliant” by school staff.Please detail responses to the following:Specify the referral problem. Be creative and describe the type of provider that has requested your services, the client, and provide operational definitions for the problem behaviors indicated in the scenario.In a script or narrative format, provide information to the members of the “planning” meeting including the following:Describe the specific purposes of a Functional Behavioral Assessment (FBA) and discuss why conducting the FBA prior to the development of a behavior intervention plan is important.Describe, in specific detail, how Antecedent stimuli and conditions could be potentially important for the assessment of the target behaviors in the scenario. Please include discussion of the influence of Discriminative Stimuli and Motivating Operations in triggering the target behaviors.Describe, in specific detail, how Consequence stimuli and conditions could be potentially important for the assessment of the target behaviors. Be sure to indicate the influences of Positive Reinforcement, Negative Reinforcement, and Automatic Reinforcement in maintaining the target behaviors.Describe three (3) Indirect Functional Assessment procedures that you may be implementing during the process of the Functional Behavioral Assessment. Be sure to specify how they will be used and what the purpose of each tool is.Describe three (3) Direct Descriptive Assessment procedures you may be implementing during the process of the Functional Behavioral Assessment. Be sure to specify how they will be used and what the purpose of each tool is.Describe, in specific detail, at least two (2) ethical obligations and/or concerns that would be necessary to address within the current case scenario. (You may use either or both APA and BACB guidelines as reference).Tips for developing your responses:The staff that you are presenting to think that, as a Behavior Analyst, you will be able to develop a behavior plan on the spot during this meeting that is both easy to administer and effective at modifying the behavior of the client in question. The staff clearly knows nothing about behavioral assessment processes. It is your job to assist them in understanding the process of Functional Behavioral Assessment and its necessity before any interventions can be developed and implemented.Be sure to discuss antecedent stimuli and consequence stimuli based on the function (purpose) that the target (problem) behavior serves and not the choice of intervention. The goal is to identify variables that are related to the occurrence of the problem behavior, not to develop an intervention.Be mindful of making solid choices of the procedures you will be highlighting based on the scenario presented as well as a rationale for your choices.Indirect Assessment Tools / Procedures (Unit 6):The Functional Behavioral Assessment Screening FormThe Behavioral Stream InterviewThe Antecedent Variables Assessment FormThe Individual Variables Assessment FormThe Consequence Variables Assessment FormDirective Descriptive Tools / Procedures (Unit 7):Task Difficulty Antecedent Analysis FormThe Conditional Probability RecordThe Functional Behavioral Assessment FormInterval Recording ProceduresTask Analysis Recording ProcedureProject Assignment GuidelinesAssignment should be a minimum of 3-5 pages not including the title and reference pages.Use APA Format.Utilize the readings and other course material from Units 4-7.If you feel you must find outside resources for assistance, please utilize academically legitimate resources. (DO NOT use websites and Wiki’s that are not peer-reviewed)DO NOT focus on the use of diagnoses or labels.Be specific and detailed; do not just list items and facts.You may take creative license and add to the scenario by fleshing out the student’s history or presenting problems if you choose.Include References, at least one from: Steege, M. W. (2009). Conducting School-Based Functional Behavioral Assessments, Second Edition, 2nd Edition

Please write no more than one paragraph to address the topic in the short answer. 1.Explain the difference between All Risk and Named Perils and the shift of the burden of proof associated with both, explain the difference between RCV and ACV. 2.Please briefly describe how Lloyds of London worked? 3.Please briefly explain the 8 corners rule? 4.Please briefly describe the differences between the Duty to Defend and the Duty to Indemnify? 5.When a client seeks your advice on the defense of a civil matter, in Texas, do you have an obligation to inquire about possible insurance coverages and advise? Why or why not? __________________________________________________________________________________ Essay Portion 1. Answer the following question in 1-2 pages: Given the changes recently in legislation, new regulatory enforcement and court decisions regarding small captive insurance companies making an 831(b) tax election, how would you advise a client seeking alternative risk transfer today? Please address specifically a recommendation regarding the below fact pattern. Client is a health services provider based in California. "HealthToYou, LLC" provides mobile testing for various health markers. Client has come to you seeking review and recommendations of how to more efficiently use operate its captives. HealthToYou has commercial liability from a third-party carrier. Client formed 5 captives over 4 years, all making an 831(b) election. In 2019, the client paid a premium of $2,000,000 to each captive for a total of $10,000,000 and $50,000,000 in coverage. These 831(b) captives are located in North Carolina and cover non-traditional risk. There is a captive manager that has client participating in a risk pool to share 51% of the reserves in the pool. The client formed another captive in 2017 with another captive insurance manager. The captive is located in Bermuda. The coverage provided by this captive is deducible reimbursement. Premium has been $5,000,000 for the last 3 years with coverage written at $15,000,000. The captive does not participate in a third-party risk sharing arrangement. Management's main considerations are: Cost savings and regulatory compliance. Discuss the history, benefits, drawbacks, and status of the captive market and how it applies to these facts. How would you advise HealthToYou,LLC? _____________________________________________________________________________________________ 2. Write an essay that addresses the concerns expressed in the question at the top of the fact pattern. You should identify legal issues impacting on the outcome of the claim, review the rule(s) and apply it to the facts. Situation:  You are either 1) a risk manager employed by the “Bluebonnet ‘We’re on it’ Insurance Company” (BWIC) or 2) an in-house coverage attorney in the trial division of “Bluebonnet ‘We’re on it’ Insurance Company” (BWIC). Question: You have been asked to draft a memo for the SVP of Claims addressing the coverage implications arising from the claim situation described below. Facts: “Bluebonnet ‘We’re on it’ Insurance Company” (BWIC) has presented the following set of facts for review to determine coverage and duties. The insureds, Bob & Torchie Dole lived in a nice two-story craftsman style bungalow in the Mistletoe Heights neighborhood of Fort Worth, Texas. The home has been insured for a year and a half on a Texas Homeowners Insurance Policy, Form B, (HOB Policy) on the date of loss. The current policy period was from October 1, 2018 to October 1, 2019. On April 7, 2019 a fire occurred completely destroying the home. The Dole’s Homeowners Form B policy had the following policy limits: Structure: $400,000 Contents: $350,000 Comprehensive Personal Liability: $300,000. The insureds reported an April 7, 2019 claim on April 8, 2019. They left a voicemail message for their insurance agent, Mr. Bob Lilly. Their agent never got the message and never reported the claim to BWIC.  On May 1, 2019 the Dole’s were served with a lawsuit, which they submitted, in person, to their insurance agent later that day. The loss on April 7 was a structure fire. The home owned by Mr. & Mrs. Dole burned flat to the ground. The next-door neighbors to the Dole’s immediate east were Mr. & Mrs. Wilhelm Prentiss Heflin. The Heflin’s home was damaged by fire which spread from the Dole home. The Heflin’s claim to have overheard a loud, raucous party at the Dole home on the evening of the fire. After the party ended, at about 10:30pm, they claim to have heard Mrs. Dole scream at Mr. Dole that she would “burn this bitch down” before she would ever let him divorce her and sell her dream home. Subsequently, the Helfins observed Mr. Dole retrieve his personal clothing (that had been tossed out of the master bedroom’s second floor window) and drive away dejected.  Documentary and video evidence subsequently showed Mr. Dole checking into the Worthington Hotel at 11:15pm and renting a suite for the evening. Mr. Dole did not emerge from his suite until 1pm on the following afternoon. At midnight a fire alarm was sounded at Fort Worth Fire Department regarding a structure fire at the Dole’s home. Mrs. Dole claimed to be out for a stroll at midnight and did not know how the fire began. The Fort Worth Fire Department Arson & Bomb Unit found forensic evidence indicating the fire was intentionally set. Mr. & Mrs. Heflin allege in their lawsuit that the fire loss to their home was caused intentionally by their neighbor, Mrs. “Torchie” Dole. They want the cost of their repairs, they want a “pound of flesh”, but will settle for $1.5 Million in punitive damages. Subsequently, the Heflins amended their pleadings and allege the fire to have been caused negligently. They lower their demand to an even $1.5 Million but offer a full and final release of their claims upon payment of their demanded sum. Mrs. Dole was arrested and released on $50,000 bond after indictment by a Tarrant County Grand Jury of 1st Degree Arson and 1st Degree Insurance Fraud. Mrs. Dole is claiming the entire cost of repair of her home, the replacement cost of her personal property, and demanding defense and indemnity for the lawsuit brought by the Heflins. Mr. Dole has provided a statement and cooperated fully with the Texas Department of Insurance prosecution team at the Tarrant County Criminal District Attorney’s Office as well as the FWFD Arson Unit. He showed the investigators his hidden camera footage from a ‘nanny cam’ he placed in the home of his wife, very inebriated, on the night of the fire waving around a fireplace lighter and trying to light something on fire…something about the size of a large candle or a rolled-up newspaper. Mr. Dole also provided printouts of a text message from Mrs. Dole telling him that all his worldly possessions were going up in smoke…and ending in ‘burn baby burn’. Mr. Dole has asked the insurance carrier to 1) deny his wife’s claim as an intentional act, 2) pay him a 50% share of all damages to the home and personal property as an “innocent spouse”, 3) defend him, and 4) indemnify him with regard to the Heflin lawsuit. Mr. Dole also specifically made a claim for $3,500 to replace his beloved French Bull Dog “Rocket” who expired from smoke inhalation on April 7, 2019. Upon further review it was determined that when Mrs. Dole was 18 years old she pled guilty and was sentenced to deferred adjudication for setting an ex-boyfriend’s car on fire. Additionally, Mrs. Dole’s personal vehicle was destroyed by fire when she was 21 years old, 2 years before she met Mr. Dole. Mrs. Dole completed the insurance policy application and answer “No” to the question of whether either party had ever suffered a fire loss before. Records reflect that Mr. Dole had, in fact, never suffered a fire loss of any kind before April 7, 2019.  Finally, the application question enquiring whether the Dole’s owned a dog was answered “no.”  The mortgage company has asserted a claim for the proceeds of the building portion of the claim because they are proceeding with foreclosure on the Mistletoe Heights home for non-payment of the mortgage. Please advise “Bluebonnet ‘We’re on it’ Insurance Company” as to all of the coverage exposures and generally applicable rules.