...HFCS(High Fructose Corn Syrup) is worse than sugar and should be substituted. HFCS is extremely unhealthy and causes obesity and there is no reason that we should put it in food, other than it tastes good. HFCS is made up disaccharides called glucose and fructose, both of them together make sucrose which is the base of HFCS (Reshanov, 2012). Therefore making it not very healthy because the amount of sugar. All sugars themselves aren’t good for the human body but HFCS contains a lot of sugar. An experiment that put rats on a high fructose corn syrup diet resulted in a major decrease in B cells which is a major cell in the adaptive immune system (Rizkalla, 2010). “In 1980, Coca-Cola began using HFCS in its beverages, and by the mid...
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...YOUR CUSTOMER’ & ‘ANTI MONEY LAUNDEERNG MEASURES’ FOR HFCs Please refer to our Circular NHB(ND)/DRS/POL. No. 13/2006 dated April 10, 2006 and circulars issued subsequent thereto from time to time on the above subject advising Housing Finance Companies (HFCs) to ensure that a proper policy framework on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ is put in place with the approval of their Board. In this connection we wish to inform that the said Guidelines have since been reviewed in the light of subsequent developments including amendments in the Prevention of Money Laundering Act and Rules framed there under.The revised Guidelines on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ that are to be followed are enclosed. HFCs are advised to amend their existing policy framework keeping the above Guidelines in view with the approval of their Board within one month from the date of issue of this circular and ensure their strict compliance. A copy of the modified policy should be sent to the National Housing Bank. Please acknowledge receipt. Yours faithfully, (R.S.Garg) General Manager Department of Regulation and Supervision Annexure : Guidelines on ‘Know Your Customer’ and ‘Anti Money Lending Measures’. GUIDELINES ON ‘KNOW YOUR CUSTOMER’ AND ANTI-MONEY LAUNDERING MEASURES 'Know Your Customer' Guidelines The objective of ‘Know Your Customer (KYC) Guidelines’ is to prevent housing finance companies (HFCs) from being used, intentionally or unintentionally,...
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...High Fructose Corn Syrup Terry Johnson Devry University 9/11/2014 HFCS was first introduced by Richard O. Marshall and Earl R. Kooi in 1957. They were, however, unsuccessful in making it viable for mass production, primarily because the glucose-isomerizing activity they discovered required arsenate, which was highly toxic to humans. An industrially feasible glucose isomerase, which did not require arsenate ion for its catalytic activity, was first discovered by Dr. Kei Yamanaka, Kagawa University, Japan, in 1961. The industrial production process was refined by Dr. Yoshiyuki Takasaki ay the Agency of Industrial Science and Technology of Ministry of International Trade and Industry of Japan in 1965-1970. High-fructose corn syrup (HFCS) is a fructose/glucose liquid sweetener substitute for sucrose common table sugar, first introduced to the food and beverage industry in the 1970s. There is not much different in the composition or metabolism of other fructose/glucose sweeteners like sucrose (sugar), honey, and concentrated fruit juices. HFCS was broadly accepted by food designers, its use grew between the mid-1970s and mid-1990s as an alternative for sugar. HFCS instantly proved itself as an alternative to sugar in liquid applications because of its salability in acidic foods and beverages. HFCS it is syrup, and can be pumped from delivery vehicles to storage and mixing tanks, requiring only simple dilution before use. This ingredient derived from corn a dependable, renewable...
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...Yuren Xia Monday, September 29, 2014 Biology 101, section 11 Dr. Hannes A Reply Letter for Dear Aunt Dear Aunt. How have you been? I am now taking biology 101, hopefully, I can clear out some of your confusions regarding to high fructose corn syrup vs. table sugar with my so called highly scientifically literate brain. The high fructose corn syrup (HFCS) was introduced in 1957 by scientists in a short report. According to the article Sweet Confusion (Beil 2014), two chemists Richard Marshall and Earl Kooi found out a way to rearrange the components of glucose from corn, and discovered a fluid like sweeter sweetener. Because HFCS has better solubility, high applicability, and most importantly high...
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...2005 and about a third of that number of bees is no longer available (Benjamin and McCallum, 2009). Since 2007, nearly a third of the honeybees in North America, Europe, and South America have died for unknown reasons. How important is this to our lives? A U.S. Department of Agriculture/Cornell University study estimates that honeybees pollinate nearly a third of everything that we eat (beeculture.com, 2000). If these bees disappear, fruits, vegetables, and nuts will go with them, meat production will severely decline, and we will be in very bad shape, indeed. Two significant changes have occurred in the world of honeybees in the United States since the mid1970s: (1) there has been a steady increase in the amount of high fructose corn syrup (HFCS) consumed by honeybees, and (2) about one third of the honeybee colonies in the U.S. have “collapsed” and are no longer available. The latter phenomenon is called colony collapse disorder (CCD) (Kaplan, 2009). It must be noted, however, that while these phenomena correlate, correlation can exist without causation. This case study will consider whether...
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...Syrup: The New Scapegoat to Obesity Recently, the majority of the United States population has been increasingly concerned with the affect of the controversial issue surrounding high fructose corn syrup (HFCS) in their diet. Today, about 55 percent of Americans list the infamous sweetener among their food-safety worries, right behind mad cow disease and mercury in seafood, according to the consumer research firm NPD Group (Parker-Pope, 2010). It has caused a major stir in the media, nutritionist and dietitians, food manufacturers, corn refiners and above all, consumers. As a result, there have been opposing conclusions amongst researchers. Of course, there are always two sides of the story. Hence, researchers have conducted numerous and time-consuming lab experiments on rats and human subjects alike to contradict each other’s studies and conclusions. It is a matter of which side to believe and how reliable the information presented. For starter, research claims that HFCS is linked to obesity. However, on the other side of the spectrum, researchers claim that HFCS is nothing less than a table sugar in a liquid form and it actually provides many benefits to processed foods. Although they are in strong opposition, both seem to agree on one thing: Consumption of HFCS moderately may reduce obesity. In doing my research, I learned that high fructose corn syrup is not as dreadful as many inadequately informed consumers make it out to be. The key to avoiding obesity is to...
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...SECTION 3 : MARKET TRENDS Vinod Wadhwani Home Loans Brief review of the performance The housing sector plays an important role in the economic development of the country. Every rupee invested in housing adds 78 paise to the GDP. Over 269 industries are directly or indirectly dependent on the housing sector. There is an estimated shortage of 20 million housing units in the country with an estimated investment requirement of over Rs 1500 billion. In this context it is important to note that that the organized housing finance industry barely accounts for 30% of the home loans disbursed in the country. The last few years have seen the home loans market growing at a CAGR of over 30 percent. The growth has been mainly fuelled by certain fiscal, social and regulatory drivers: • Changes in demographic profile including increase in the rate of household formation due to structural shift from joint family system to nuclear family • Ever increasing middle class, migration of population and increasing urbanization resulting in acute shortage of housing units Vice President Ambit Corporate Finance Pte. Ltd. Vinod Wadhwani is Vice President, Ambit Corporate Finance Pte Ltd., He is responsible for Mergers and Acquisitions Group in the company. Earlier, he has worked as a marine engineer in merchant navy for eight years. • Increase in disposable income levels due to decrease in marginal tax rates and increase in total income levels • Tax benefits and other fiscal incentives announced...
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...corn syrup. First it was made and introduced in United States in late 1950s, but it was not perfected. A decade later Japan have improved and started using it for mass production. HFCS was added to processed foods and soft drinks as a sugar substitute. Advantage of this new food additive was a much easier production and a low price. Right after Japan, USA started using it too; however, no one new its affects on the human body. Since USA started to add HFCS to manufactured food and soft drinks, the rates of obesity, heart diseases and metabolism problems has grown. Since we started to use HFCS in our manufactured food our obesity rates have been increased among the all ages of USA residents. According to Centers for Desease Control and Prevention (CDC), “During the past 20 years, there has been a dramatic increase in obesity in the United States and rates remain high. By state, obesity prevalence ranged from 21.0% in Colorado to 34.0% in Mississippi in 2010. No state had a prevalence of obesity less than 20%. Thirty-six states had a prevalence of 25% or more; 12 of these states (Alabama, Arkansas, Kentucky, Louisiana Michigan, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, and West Virginia) had a prevalence of 30% or more.” One significant problem that causes obesity is that HFCS mainly consists of “empty calories”. When people consume...
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...HERSHEY FOODS CORPORATION: BITTER TIMES IN A SWEET PLACE Teaching Note Synopsis and Objectives The proposed sale of Hershey Foods Corporation (HFC) during the summer of 2002 captured headlines and imaginations. After all, Hershey was an American icon, and when the company’s largest shareholder, the Hershey Trust Company (HSY), asked HFC management to explore a sale, the story drew national and international attention. The company’s unusual governance structure put the Hershey Trust’s board in the difficult position of making both an economic and a governance decision. On the one hand, the board faced a challenging economic decision that centered on determining whether the solicited bids provided a fair premium for HFC shareholders. On the other hand, the governance decision required the board to balance its fiduciary responsibility against the original mandate of Milton Hershey to support the Hershey School in perpetuity. The fiduciary responsibility is relatively simple compared with satisfying a broad array of constituents, including the Hershey community, HFC employees, and Pennsylvania’s attorney general. In addition to this teaching note, we provide a variety of teaching supplements to support a discussion of the complex issues presented by the case: • Video footage of the Hershey community and key players in the case • Excel spreadsheets for key case exhibits • Excel spreadsheets for key teaching-note exhibits • Projection-ready...
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...Why then should there be any significant difference between consuming sucrose and HFCS-55? A: I believe that when the bees consume HFCS-55 that their body breaks it down and poisons the bees’ body. Q: Can HFCS-55 be considered a natural substance? Explain your reasoning, specifically listing the criteria by which you believe a substance may be considered “natural” as opposed to “unnatural.” A: I would say that HFCS is “unnatural” because HFCS is produced by using an enzyme (Alpha-amylase) to break down corn-starch. This leads me to ask why must we need the enzyme if it were “nature” Q: Both “natural” and genetically modified (GM) forms of corn are available in the United States. Based on the criteria that you have listed for Question 2, does your answer to the previous question depend on whether the HFCS-55 is made from “natural” or GM corn? Explain your reasoning. A: Yes, I believe that HFCS-55 is not “natural” and that it is a genetically modified form of corn. Q: It has been argued that just the process of transporting honeybees from one crop location to another over long distances may contribute to CCD regardless of what the colonies are fed. Is there evidence to support or refute this argument? A: Yes, I think that taking these bees all over the country each year is causing them stress and not to mention the fact that they need to eat and are being feed HFCS-55. It may be weakening their bodies because it’s a cheap way to feed them. They...
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...The harmful intake of HFCS and fructose and its contributes to obesity Obesity has grown to become a very serious health issue with Americans in the United States. A survey done by the World Health Organization from 2000 to 2008 revealed that obesity has become a globe problem. Everything that we consume in the body on a daily basis needs to be monitored, studied and researched to find the source that is causing obesity with Americans. The intake of fructose and high-fructose corn syrup in the past couple of years has linked to health problems and obesity. The overall statistics are from adults, young adults and children. Dieting and excising has been a firm recommended source to stay healthy and fit however, the consumption of Americans’ diet...
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...issue Hugo identified that the long term future of the automotive industry was uncertain as it relied heavily on finite fossil fuels. Hugo identified a market opportunity that would take advantage of the current issues the automotive industry had by proposing a vehicle that did not depend entirely on the consumption of finite fossil fuels. The creation of the LIFEcar project was Hugo’s answer to clean transport and it seemed to be the way forward and future of automotive technology. With the concept of the LIFEcar project underway Hugo identified another potential market for Hydrogen fuel cell Car, one which he believed seemed to be a more ideological market and moved away from the development of a HFC sports car. Hugo identified that a more promising early market would be for HFC city-cars, this lead to the development of a second project the Hyrban city-car. The Hyrban city-car had similar technological aspects to those that were introduced in the LIFEcar project and therefore seems to just be a slight variation of the LIFEcar to allow it to enter another potential market. The development on the project structure for the LIFEcar project began with Hugo creating a consortium of partners of both academic and private organisation. The partners of the LIFEcar project...
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...obtaining a Home Loan. The followings are the step by step procedure of getting home loan: Step 1 : Application form The first step involved in applying for home loan is the procurement of application form from the HFC of your choice. The Performa of application every HFC (Housing Finance Companies) is different from the other but about 80% information required to be furnished is the same. Along with the application form necessary documents like address proof, age proof, proof of income, bank balance etc. are also to be attached with the application form before it is submitted to the HFC. Along with all these documents HFCs also ask for processing fee of the home loan that varies 0.25% to 0.50% of the total loan amount. Step 2 : Personal Discussion After successfully filling the application form and submitting it to the authority the next step is face to face with bank or HFC where you have applied for the home loan. The bank first evaluates the papers submitted and summons the applicant for the personal discussion regarding the home loan applied for. It is advisable that you carry all your original documents of whose copy you have submitted along with the application. Step 3 : Bank's Field Investigation The next step is the field investigation done by the HFC or banks. They sent their representatives to the existing residence of the applicants or...
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...High Fructose Corn Syrup High Fructose Corn Syrup is often used as a sugar replacement. This is because in the US it is cheaper from a combination of Corn subsidies and sugar taxes, also because HFCS is transported as a liquid as opposed to sugar, which is a solid. Even though there are multiple steps that require expensive enzymes, the HFCS is still less expensive than the alternative. The lower cost means food producers are able to produce their food and drinks for cheaper and also earn more profit on the goods they sell. The process to develop HFCS was discovered in the 1970’s. Its popularity in America rose quickly; its use saw an increase from 3 million tons in 1980 to 8 million tons in 1995. HFCS use surpassed the use of sugar in the late 90’s and continues today to be more widely used. More HFCS is consumed than sugar by Americans. The process is more difficult than the process to get sugar from sugar cane or beets. There are multiple steps involved including three enzymes needed to break down the complex glucose molecules of the cornstarch to the simple glucose and fructose sugars. Each enzyme breaks down the molecule to smaller pieces, until the manufacturer ends up with 40% fructose and 50 to 52% glucose. Other sugar molecules are also still in the mixture. The final two steps result in the 55% fructose mixture that the industry requires. A 90% mix of fructose is poured back in to the original mixture of glucose and fructose. There are...
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...Connection between Poverty and Obesity English 135 DeVry University Farm subsidy payments are over $10 billion and are authorized to make payments to people “who aren’t even farmers anymore” (Morgan, Gaul, Cohen, 2006, para. 3). This has been going on, in some cases, over 10 years (para. 6). As long as you owned the farmland, you don’t even have to be growing anything and you would continue to receive a subsidy check (para. 3). Bottom line is all these billions of dollars in government subsidies contribute to lowering the cost of processed foods; not a good occurrence if you have low-income and cannot afford the high cost of healthier foods. The processed foods are so cheap to buy and are the unhealthiest that can be consumed by any human being. They are high-density, high-calorie, high-fat junk food that the unfortunate and less-advantaged part of our society has no choice but to buy because it is all they can afford. Studies show a strong connection between poverty and obesity, the government should appoint a task force to regulate and limit or repeal farm subsidies and overproduction of certain agriculture commodities like corn that is used to create highly processed, cheaply priced, high-calorie, high-density “junk foods”, so that prices of natural whole foods can once again be competitive and give the low-income consumers healthier food choices, thus contributing to the reduction of obesity. The U.S. budget for government financial subsidies to U.S...
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