The Risk Management Function Of A General Insurer

Assignment 1 You are the Head of the Risk Management Function of a general insurer. The insurer is currently reviewing its corporate strategy. The insurer has always distributed its products directly to customers, but it is now considering distributing its products via insurance brokers or even purchasing an insurance broker. Question As part of the strategic planning process, you have been asked by the Board to: †¢ Explain the contribution that risk management can make to an effective strategic planning process. †¢ Analyse the risks for this insurer if it decides to distribute its products via insurance brokers; and the risks for this insurer of owning an insurance broker. Learning Outcomes This question covers the following core†¦show more content†¦Ã¢â‚¬ ¢ Assessing the different types of risks the insurer will face via distribution through brokers and owning a broker. Furthermore, I will also assess the impact of distributing products to clients directly. Explain the contribution that risk management can make to an effective strategic planning process. NFU – expanding outside it’s farming community – strategic risk Directline – strategic risk Strategy A well adopted strategic approach to risk management involves the process of ‘identifying, assessing and managing’ of risk within a company, thus forming the fundamental steps towards the whole risk management process. Strategy involving risk management can be regarded as adopting a coherent and controlled approach to risk management process (identifying, analysing, and managing). The process of identifying and reviewing the risks that you face is known as risk assessment. By assessing risks you are able to be actively aware of where uncertainty surrounding events or outcomes exists and identifying steps that can be taken to protect the organisation, people and assets concerned. How this is achieved and the level of detail which is considered can vary between organisations. In many circumstances, where staff or volunteers have a more hands-on role in the organisation, the Management Committee may not carry out the risk assessment themselves. An effective strategic approach to risk management enables us to assess the

Music And Painting From 20th Century Western Music History

Yaojun Song Mus114 Sam Music and Painting During the study of 20th-century Western music history in this class, I found out there are may same movements of art and music. I took 20th century Art history as well so there is always the comparison of them in my mind. Music and art appear to be two different art forms. Music is both auditory art, but also an art of time and movement. Music express musicians’ feelings through sound, it will create images in the mind of the viewer for them to have a variety of feelings, and to elicit in the viewer emotional resonance. Painting is a visual art, space art. It is static. Painters use lines, shades and other forms to sketched out some figurative or abstract pattern. It provide visually to the viewer a strong impression and cause them reflect a variety of emotions, resulting in aesthetic stimulation. Music and painting each is done through a different medium with different means of artistic expression. They both convey people the author’s expression of the content an d emotion. Many artists themselves are both musicians and painters, such as Kandinsky, Schoenberg, Leonardo da Vinci and extra. One of the great examples is Wassily Kandinsky. He is one of the representatives of Russian expressionism painter. He also was a man versed in music. He is a friend of expressionist music composer, Schoenberg. By listening to Schoenberg s works, he felt like a recklessly in front of the same lines in countless dance. Since KandinskyShow MoreRelatedMy Point Of View 20th Century1110 Words   |  5 Pages A. From my point of view 20th century period is the best and the worst time to represent the western culture. But it’s the best for the most part. Western culture refers to the culture of any country that is a part of the western world. The western country is always democratic has neo-liberal capitalist economy. Has a separation of church and state, and high livings standards with materialistic society? The USA, UK, France are examples of western countries. Western culture is also a music typeRead MoreEssay on Arnold Schoenbergs Musical Influence1220 Words   |  5 Pagesmusical influences of the mid 20th Century. He was born on September 13, 1874, to a Jewish family in Vienna, Austria (Schoenberg 1). Schoenberg was a young Jewish man during World War I (WWI) living in Berlin. He was directly affected by the invasion of the Nazis. In 1933, he had to leave Berlin and desert his faith for Lutheranism later on taking on the faith of Judaism. At the early age of eight, he began violin lessons and almost immediately started composing music (Schoenberg 1). He was self-taughtRead MoreArnold Schoenberg 31268 Words   |  6 Pagesmusical influences of the mid 20th Century. He was born on September 13, 1874, to a Jewish family in Vienna, Austria (Schoenberg 1). Schoenberg was a young Jewish man during World War I (WWI) living in Berlin. He was directly affected by the invasion of the Nazis. In 1933, he had to leave Berlin and desert his faith for Lutheranism later on taking on the faith of Judaism. At the early age of eight, he began violin lessons and almost immediately started composing music (Schoenberg 1). He was self-taughtRead MoreRobert Rauschenberg And John Cage1388 Words   |  6 PagesIn the early 20th Century, western history has entered a new era with the fast development of modernization, industrialization and the technologies. The machines took over the human labor they gradually replace the important role of human in the process of making an d change the ways people live, started the fast pace, high speed of modern lifestyle. Modern art approached with a number of painter, sculptures, poets who individually or collectively to redefine through around this century. The new artRead MoreLiterature and Other Arts1033 Words   |  5 Pagesinterpreted in Richard Staruss’ music – of course, also assure the logics for most songs. The majority of ballets and modern types of dances are written based only on stories and poetry; in tone occasions, music and dancing â€Å"go along† with a text which is read by a speaker or sang by a choir. The mid 19th century represents the â€Å"peek† of literary, historical, and anecdotal painting despite the Surrealists , this â€Å"statement† in literature faded in the 20th century. The broken boundary betweenRead More Musical Modernism with Claude Debussy, Igor Stravinsky and Arnold Schoenberg1894 Words   |  8 PagesMusical modernism can be seen as the time where music emerges its liberty from Romantic era style -that started in the late nineteen century to end of the Second World War- and gains new ideas and freedom. With the political turmoil and chaos that took over the European countries, -that lured countries into the First World War- composers and artists started to find, create more and new ways to express themselves. They eagerly began to discover the art of Eastern countries with the hope of findingRead MoreBritish Arts5612 Words   |  23 Pagessociety 1.3. The characteristics of British arts and letters 1. Types of arts 2.4. Theatre and cinema 2.5. Music 2.6. Literature 2.7. The fine arts III. Conclusion 1. Overview of the arts in Britain 2.1. What are â€Å"The arts†? The art is the term which is used to refer to literature, music, painting, sculpture, film, opera, crafts, theatre, ballet etc. This term is usually called â€Å"umbrella term† and usually implies seriousness, so thatRead MoreEssay on Pre-Columbian civilizations1533 Words   |  7 Pagesconquest led by Hernan CORTES in the early 16th century. According to their own legends, they originated from a place called Aztlan, somewhere in north or northwest Mexico. At that time the Aztecs (who referred to themselves as the Mexica or Tenochca) were a small, nomadic, Nahuatl-speaking aggregation of tribal peoples living on the margins of civilized Mesoamerica. Sometime in the 12th century they embarked on a period of wandering and in the 13th century settled in the central basin of Mà ©xico (Encarta)Read MoreArt, the Individual and Society3260 Words   |  14 PagesNeanderthal men started painting on the walls of the cave. Throughout the centuries, art has evolved to several forms am ong which are sculpting, painting, and even poetry. Art is the product or process of deliberately arranging items in a way that influences and affects one or more of the senses, emotions, and intellect. It encompasses a diverse range of human activities, creations, and modes of expression, including music, literature, film, photography, sculpture, and paintings. The meaning of art isRead MoreClassical Music And Modern Music2002 Words   |  9 PagesClassical tradition in modern music Nowadays, modern music has created more colorful styles and each of the branch has their own personality. Different forms of music are all the responses to the modern world. It seems like the modern music has a great difference from the classical music. But all the modern music’s creation are on the basic of classical music. They have so many advantages to be the reference. Many good composers are in the shadow of the classical music. We could say if there is

Has Bluewater shopping centre been a benefit to the surrounding communities Free Essays

string(51) " surrounding Bluewater to get jobs and earn money\." Retail services (shopping) are so important in people’s lives because it means that people can purchase luxury goods it can also be a socialising meeting point for people. Retail services sell useful products that the community needs and would benefit from. Some retail services provide conveniences goods. We will write a custom essay sample on Has Bluewater shopping centre been a benefit to the surrounding communities? or any similar topic only for you Order Now This is important to people because they have the opportunity to get their daily needs. Other retail services provide people with clothing, entertainments, and home furniture’s etc. heses are all important in people’s lives without clothes people will be cold during the winter. Not all shopping centres provide the same goods and services. Smaller shopping centres provide everyday essential goods for people. They also supply their goods in smaller quantities. Whereas, larger shopping centres provide a wider range of products and in bigger quantities. Shopping centres located in a smaller settlement supply their customers with fewer goods. Villages are a good example of small shopping centres. This can be because there are fewer people to provide products for as not a lot of people live in the villages. However, most large settlements are located in cities, in the central business district. ‘Out-of-town’ shopping centres are being built because it makes money for the business that owns it. There are also larger areas that are cheaper to buy or rent for business use. There is more space for development for a bigger shopping centre. The advantages of and ‘out-of-town’ shopping centre is that it provides costumers with a free parking space, which is more convenient for people. Land on the edge of cities is being used to build houses, schools, roads and car parks for the shopping centres. It is also being used to build other useful facilities such as parks and leisure centres. There is a conflict about how such areas of lands called `development sites` are used because some developments cause harm to the land such as cars and factories pollution. When deciding how land should be developed, the factors that planner has to take into account are the residents living nearby also whether the development would effect the environment and all its inhabitants. They also have to put into account the advantages and disadvantages it would bring to the public. When a new shopping centre is proposed, many different groups of people might be affected by this development. The elderly, teenagers, middle class, lower class and working class might be affected but the way each group is affected is different. The elderly would find living next to a shopping centre difficult this is because many people would visit the shopping centre that means a lot of noise would be made disturbing the elderly. However, for some elderly it could be a chance for them to keep themselves busy by strolling down to the shopping centre. Teenagers would see it has a opportunity to go shopping regularly which would make the retail services more money also the teenagers would go the shopping centre as a place where they could go and talk to friend and keep themselves warm in the winter. The shopping centre would also give some teenagers an opportunity to earn money as they could work there. It would keep teenagers entertained. Aims I will begin my investigation by showing the location of Bluewater by including maps and descriptions of where Bluewater is also which other places it is linked to. Then my investigation is going to include what range of services, and types of services are provided at Bluewater. I am also going to write about who uses Bluewater and where they come from. Then my investigation is going to question how successful has the Bluewater development been. I am going to explore the benefits and the costs of the development and find out which sections of the community have been benefited and who has lost out. My investigation will then be followed by the question whether the development of shopping facilities at Bluewater has been more desirable than any other uses that they could have used for this site/ land, for example housing or industry. Then I will be giving my opinion as to whether I think that the local planning authority was right to allow the shopping centre to be developed. The investigation would then consider future developments in the area and finally I will reflect on how I could do things differently if I was to do this investigation again. Data used I needed information to carry out my investigation as to whether Bluewater shopping centre has been a benefit to the surrounding communities. I obtained some of data’s from my fieldtrip to Bluewater. I needed to interview people at Bluewater to find out how often people come shopping to Bluewater, how long their journey was and what is the most important reason why they people come to shop at Bluewater. I used the information collected from the interview to help me answer the question of has Bluewater shopping centre been a benefit to the surrounding communities. I also did a visitor profile sheet to help me investigate the age and gender of Bluewater’s visitors. I collected images of maps and pictures of Bluewater to help me locate where Bluewater is and the surrounding areas. Some of the evidence that I used was from the Bluewater downloaded student pack. Using this helped me answer questions and get extra information about Bluewater that I needed. The student pack also provided the number figures and percentages that e couldn’t get from other sources. I gathered extra information about Bluewater from the Internet e. g. he Bluewater official website. Presentation This information was from the Bluewater student pack. â€Å"Bluewater is a shopping centre containing about 360 shops, which is built in a 50 meters high chalk quarry. It is located in Greenhithe in the borough of Dartford. † The development of Bluewater has enabled the local communities surrounding Bluewater to get jobs and earn money. You read "Has Bluewater shopping centre been a benefit to the surrounding communities?" in category "Papers" It has also provided shops for businesses to use. (see next section about jobs. ) Local retailers have also benefit from the development of Bluewater because they use the open spaces at Bluewater to sell products. at Christmas) According to the Bluewater student pack, the site of Bluewater provides an easy access route, as it is just a mile away from M25 junction 2, between Dartford and Gravesend on the A2 London to Canterbury road. Travellers from the south can get to Bluewater using the A2 or from the north using the new south Thames development route or STDR. This indicates that people from local communities can reach Bluewater easily. Bluewater is approximately 4 kilometres from the planned Ebbsfleet station on the new high-speed rail link between the channel tunnel and London. This is an advantage for people that live further away but it does not benefit the local communities. The location of Bluewater gives it a large catchments area. The fast motorway links attracts almost 10 million shoppers within an hour’s drive and 4. 8 million people in the principal catchments. Going back to my introduction, retail services sell useful products that the community needs and would benefit from. Bluewater as a retail services provides useful products that the community needs and would benefit from. It also supplies different range of shops and services. From the Bluewater student pack, Over 14 hectares are for retail space and nearly 1. 5 hectares are for indoor leisure use and the rest of the site is occupied by parkland, lakes and car parking. Approximately 330 shops unit are located at Bluewater including large flagship stores. Bluewater offers the finest products from top shops like John Lewis, Marks Spencer and House of Fraser. These anchor shops sell wide range of goods that people will need in their lives. This benefits the local communities because they have the opportunity to purchase the luxuries goods from Bluewater without having to travel very far. Bluewater is a shopping centre that is developed to cater for everyone’s need because this means selling some products at more affordable prices for other people. While I was at the shopping centre I could see that Bluewater has Variety of products. These include clothes, accessories, electronics, home wares, games, media and many more. From my trip to Bluewater I could see that there were many catering services that provide shoppers and staffs with quality cafes, restaurants, fast foods and bars. Bluewater is a benefit for people because it contains many shops that sell all kinds of different goods under one roof. This is an advantage for shoppers because they don’t have to travel far to get what they need. Bluewater also contains mini convince stores to get daily goods at reasonable prices for everyone. The local communities benefits from this because they could do their shopping all in one go at Bluewater saving valuable time. While on the field trip to Bluewater I could see that they provide shoppers and the local communities with entertainment services such as leisure centre, cinema, and ice rink for use in winter etc. As well as making sure that shoppers have the best range in products. In my opinion I think that Bluewater focuses on services that would help make shopping at Bluewater easier and convenient for people. These services includes a valet parking which would make life easier for shoppers as they don’t have to worry about where to put their car because it is being done for them already. Bluewater also provides disabled people with toilets just for them and convenient parking spaces for them to use. The shopping centre includes elevators that will make life easier for disabled people and mothers using prams. Toilets are put inside the centre for people to use. Baby changing have also been placed in the store to make it stress free for parents. Banks and CCTV are in the site and these are useful towards the shoppers and staff. A good thing about ‘out- of-town’ shopping centre from my introduction such as Bluewater is that they provide free parking space for visitors. From my survey, shoppers travel from different locations and distances to get to Bluewater. Some travel further than others while people that live near Bluewater do not travel very far. To help me figure out how long the journey to Bluewater was I interviewed shoppers and workers. This would help me with my investigation because with the results I would be able to see clearly who benefits most from the development of Bluewater. It would help me to see roughly how many of the local people visit Bluewater. From the chart below, I could see that people that come from areas such as Tunbridge, Bexley, Bromley, Dartford and Medway are the people that live locally. It would take them less time to travel to Bluewater. While I was at Bluewater I could see that most of the shoppers were adults this could be because they were off work and decided to start buying Christmas present as it was getting close to Christmas. It could also be that they were on break and they wanted to get lunch from the food court provided. While I was at Bluewater I interviewed a elderly woman who said the reason why she comes to Bluewater is because of the leisure centre which, her and her husband attend she also did not live very far from the shopping centre which means that she does not have to travel far. Bluewater has attracted many people for different reasons. Not everyone at Bluewater go there to shop some people go there for the entertainments while others go there to work. I think that Bluewater would attract mostly adults because they would have money and they would feel like buying things that they need. It would also attract teenagers because they would want to go there for window-shopping and for the entertainments available. Bluewater would attract less elderly people because they would not have enough money or energy to go and shop at Bluewater. I believe that the Bluewater development has been successful for the following reasons. Firstly, according to â€Å"wikipedia† it shows that around 30 million people visit Bluewater every year. I also think that the development of Bluewater has been successful because the developers spent around 30 million on making roads better for visitors. For Bluewater to spend so much money on roads it shows that it might earn lots of money. Bluewater has been designed to cater for all sections of the community. This includes the structure of the building, facilities, prices, shops etc. all of these were made to make shopping easier, affordable and enjoyable for everyone. The shopping centre placed elevators in the shop to make it easier for disabled people to get around the shop and also for the fit able people to make them not get stressed. It also provides lockers for shoppers to use while shopping at Bluewater; this enables visitors and staff to put their belongings in it without losing it or carrying it around. There are comfortable sofa’s placed in the shop for people to sit and feel relaxed. Bluewater has 13,000 parking space including separate spaces for disabled people and elderly to use. This will make life easier and safer for them. As well as catering for the elderly, Bluewater also caters for young people that visit the site. There are fun activities for them to take part in while staying at Bluewater, these activities includes boating, ice-skating and cycling. As shown in the Bluewater mall guide, there is also a criche room that allows up to 250 children to play in. this is to keep them entertain while shopping. Source used to obtain this information is the downloaded student pack. The site also caters for both genders visiting Bluewater. Female and male stores are provided to ensure that both genders get what they need to keep up with fashion. Even though Bluewater has some expensive stores in the centre. It also has some affordable stores for the majority of the people that do not own a lot of money. These shops also sell quality products but just at more reasonable price. In my opinion Bluewater is a development that has helped most of the local economy. According to the Bluewater’s student pack. Bluewater has provided thousands of jobs for the local community both during and after construction. While Bluewater was being developed it brought approximately 6,500 jobs for constructing it only. When Bluewater opened in March 1999, it created about 7,000 permanent jobs on site. About 4,000 of these are in retail trades. These jobs include sale staff and store management. Around 40% of these jobs are full time and 60% part time. The remaining of the workers is involved in non-retail jobs. This includes occupations such as cleaning, catering, Security, warehouse staff, ground staff and administration. Bluewater has been a benefit to services and the local communities. A reason for this is that it has invested lots of money in proving roads and transportations. This has made road safer and transportations better. Local communities have benefited from this. To help me with investigation of do other services and local businesses benefit from Bluewater. I used the downloaded student pack, which says that Bluewater is designed to help local businesses win contracts at Bluewater. So Bluewater has been a benefit to local businesses. However, many local businesses near Bluewater have not really benefit from Bluewater. The reason for this is that Bluewater is a large shopping centre designed to provide many services for people and make their visits enjoyable all under one roof. Local businesses do not provide enough ranges as Bluewater does. This means that many people will rather go to Bluewater for the shopping’s. The local businesses will therefore, loose out on money due to the lack of customers that shop in their shops. They might also end up going bankrupt. Though local shops lose out on money, Bluewater will provide more money for hotels. This is due the amount of tourists and people that will visit Bluewater and need a place to stay. Jobs in Bluewater have helped the local community. It has given them the opportunity to earn money. It has also helped them to work, undergo training and obtain formal qualifications, which can help them in the future. Jobs in Bluewater have reduced the mount of unemployed in the local community. From my interview with a worker at Bluewater, I have some knowledge as to whether people that work there like it. The person that I interview said she liked working there and the salary is good. Workers at Bluewater can also take the advantages of the food court and services provided at Bluewater. The development of Bluewater has affected the environment in many ways. It has benefited the environment as well as harming the environment. I will start off by explaining the problems Bluewater causes for the environment. Firstly, Bluewater increases the amount of carbon monoxide in the air. This done by cars and Bluewater is a place that attracts many visitors with cars. The number of cars that visit Bluewater gives off carbon monoxide, which is bad for the environment, but if fewer cars visit Bluewater each day, there will be less poisonous gas in the air. Secondly, Bluewater causes noise pollution for the surrounding environment. Noise pollution is caused by the number of people that visit Bluewater this could make the place really loud and also cars that drive by make lots of noises. This affects the peace and quietness of the environment and also it disturbs the local people. Thirdly, the development of Bluewater has brought more attention to its local environment. This is because people from all over the place visit Bluewater and this can be very disturbing for the neighbourhood and very dangerous for children that play outside because they don’t know who might harm them. However, even though Bluewater causes many problems for the environment. It also benefits the environment. Bluewater is located in a stunning location. It is situated among cliffs. Bluewater is surrounded by landscape of lakes, parkland and trees. This shows the more nature side of the environment and makes the environment calming and attractive. Bluewater also brightens up the environment at night with its bright lights. Conclusion In my opinion I think that the local planning authority was right to allow the shopping centre to be developed because firstly it provided many jobs for people, something that would benefit everyone rather than living it as a chalk quarry, which would not benefit people. It also makes life easier for the local community as they do not have to travel far to get what they need. The development of Bluewater was also better for the community because it earns more money for business people, which they could use to make more businesses and offer more jobs to people. Furthermore, the local planning authority was right to allow the development because it means the majority of the people can go and shop in Bluewater rather than high streets where it would be too crowded and stocks would go quicker due to the amount of people. â€Å"Has Bluewater shopping centre been a benefit to the surrounding communities? Looking at all the information I have investigated and written. I believe that Bluewater has been a benefit to the surrounding communities. My reasons for this are that it has provided jobs for people that live there. It has also improved the roads, which the surrounding communities have benefited from. Although some people might disagree with my answer because of the environmental issues that Bluewater the shopping centre causes. I believe it has been a benefit because looking at all the different aspect; Bluewater has brought more advantages than disadvantages. Personally I think that there are lessons to be learned about future developments in the area nearby. Firstly, there should be more traffic lights and zebra crossing surrounding the developments. This is for the local community and other people to be safer and for drivers to drive with care. Secondly, it should be developed in a place where it will benefit the community without disturbing them or causing trouble for them. Finally, it should not be built near a school or places that contain many children. This is to prevent children wandering off and being safe. If I were to repeat this investigation again, I would have the courage to go up to people in the shops for interview. This is because I feel like I did not interview enough people therefore; I did not get as much information as I needed. I should have also paid more attention in filling in the visitor profile sheet because this would have helped me to make a rough judgement has to what gender attended Bluewater more on the day I visited. It would also have helped me to see what majority of age group visits Bluewater. In addition, I could have interviewed more than one worker at Bluewater and I should have asked more logical questions that would have helped me with my coursework. Finally, while on the road to Bluewater I should have paid more attention on to the amount of cars that were passing by. This would have increased my knowledge of how many people visit Bluewater and I should have been more aware of the houses and shops that were near Bluewater. This is to help me figure out exactly what advantages and disadvantages Bluewater cause for the local community. How to cite Has Bluewater shopping centre been a benefit to the surrounding communities?, Papers

Endangered Animal Tapir free essay sample

Endangered animal Tapir A tapir is a large browsing mammal, similar in shape to a pig, with a short, prehensile snout. Tapirs inhabit jungle and forest regions of South America, Central America, and Southeast Asia. There are four species of Tapirs: the Brazilian Tapir, the Malayan Tapir, Bairds Tapir and the Mountain Tapir. All four species of tapir are classified as endangered or vulnerable. Their closest relatives are the other odd-toed ungulates, including horses and rhinoceroses. English name:Malayan Tapir Perissodactyla, Tapiridae Tapirus Indicus The Malayan Tapir has a special black and white pattern. They are good swimmers, and live in forests where there is water. But the forests have become smaller and smaller, and the Malayan tapirs are in trouble. Size and weight Body length: 180-250cm Tail length: 5-10cm Weight: 250-540kg Where they live They live around water in forests in South-East Asia. What they eat Malayan tapir eat grass and nuts, water plants, and fruits. They put food in their mouths using their noses, just like an elephant. Young Malayan tapirs have length-wise stripes. The pattern looks the same as young wild boars. It makes them very hard to see in the dark, or around trees. A black and white pattern that hides them from enemies Malayan Tapirs have black and white sections like the Giant Panda. Youd think it would make them stand out, but tigers and other predators have a hard time finding them. Malayan Tapirs go out at night, so predators can only see the white parts of them. Predators cant see their shape. They look relaxed, but can run away very quickly if in trouble. If they see a redator, they quickly hide under water. The forests are disappearing Malayan Tapirs are skilled swimmers that live in forests where there is water. The forests are disappearing. Living in small numbers in small forests, its hard to find food. Theyre also have trouble on finding mates. Their numbers are becoming smaller. Out of all tapirs, Malayan Tapirs are the closest to extinction. Tapirs are related to horses and rhinos, not to pigs. There are four species, three of which are found in Central and South America. Tapirs can weigh up to 300 kg. The Malayan tapir is the largest of the species and is distinguished by its unusual coloration. The rear half of the body above the legs is white. All young tapirs are born, however, with a pattern of dots and stripes on their body which makes them appear, in the words of one zoologist, like â€Å"watermelons with legs. † As they get older, these markings gradually fade away to be replaced by the permanent colours. Shy and solitary by nature, tapirs are often hunted in their native countries for their hide, which is tough and leathery. In some parts of Asia, tapir meat is sold in the shops, although it is said to be less than tasty, with a high fat content. The New World species seem to be headed toward extinction as the advance of civilization destroys their environment and as native people hunt them, sometimes just for sport. The Malayan species does not, for the time being at least, appear to be endangered. Now legally protected, the species nevertheless continues to be the target of poachers due to lax enforcement. Tapirs are found in small groups in the tropical rain forests of Malaysia and Central America. They are short-legged and heavy-bodied with small eyes, rounded ears and small trunks protruding over their mouths. Their body hair are often short and usually sparse. The main source of food is grass and shrubs as well as certain roots. The central American tapirs are plain grey or brown in colour, but the Malaysian tapirs have a distinct black and white pattern. The heads, shoulders and legs are black while the rumps, backs and bellies are white. The young are completely different from their parents, with a dark brown colour and streaked as well as spotted with yellowish white. Tapirs are shy and often travel near water. When they are disturbed, they will crash wildly through the undergrowth and hide in the water. Tapirs are easy prey as they do not run fast and do not have special defences, therefore easily become victims to carnivorous animals and hunters. Their habitat, the rain forests are also depleting quickly destroyed by human activities, leading even more to their decline. Conservation-There are a number of conservation projects around the world. The Tapir Specialist Group, a unit of the IUCN Species Survival Commission, strives to conserve biological diversity by stimulating, developing, and executing practical programs to study, save, restore, and manage the four species of tapir and their remaining habitats in Central and South America and Southeast Asia. 27 April 2008, was World Tapir Day. The day has been established to raise awareness about the four species of tapir that inhabit Central and South America and South-East Asia. Lack of genetic diversity in tapir populations has become a major source of concern for conservationists. Habitat loss has isolated already small populations of wild tapirs, putting each group in greater danger of dying out completely. Even in zoos, genetic diversity is limited; all captive mountain tapirs, for example, are descended from only two founder individuals Attacks on humans-Tapirs are generally shy, but when they are scared they can defend themselves with their very powerful jaws. In 1998, a zookeeper in Oklahoma City was mauled and had an arm severed after opening the door to a female tapirs enclosure to push food inside. (The tapirs 2-month-old baby also occupied the cage at the time.