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War, in international law, armed conflict between two or more governments or states. When such conflicts assume global proportions, they are known as world wars. War between different parts or factions of the same nation is called civil war.

War, in international law, armed conflict between two or more governments or states. When such conflicts assume global proportions, they are known as world wars. War between different parts or factions of the same nation is called civil war.

War, in international law, armed conflict between two or more governments or states. When such conflicts assume global proportions, they are known as world wars. War between different parts or factions of the same nation is called civil war.

The dragon is sometimes used in the West as a national emblem of China. However, this usage within both the People's Republic of China and the Republic of China on Taiwan as the symbol of nation is not common. Instead, it is generally used as the symbol of culture.The dragon is also a symbol of power, strength, and good luck. Historically, the dragon was the symbol of the Emperor of China. In the Zhou Dynasty, the 5-clawed dragon was assigned to the Son of Heaven, the 4-clawed dragon to the Zhuhou (seigneur), and the 3-clawed dragon to the Daifu. In the Qing Dynasty, the 5-clawed dragon was assigned to represent the Emperor while the 4-clawed and 3-clawed dragons were assigned to the commoners. The dragon in the Qing Dynasty appeared on national flags.[1]

Microfinance is the provision of financial services to low-income clients, including consumers and the self-employed, who traditionally lack access to banking and related services. More broadly, it is a movement whose object is "a world in which as many poor and near-poor households as possible have permanent access to an appropriate range of high quality financial services, including not just credit but also savings, insurance, and fund transfers."[1] Those who promote microfinance generally believe that such access will help poor people out of poverty

Traditionally, banks have not provided financial services, such as loans, to clients with little or no cash income. Banks incur substantial costs to manage a client account, regardless of how small the sums of money involved. For example, the total profit for a bank from delivering 100 loans worth $1,000 each will not differ greatly from the revenue that results from delivering one loan of $100,000. But the fixed cost of processing loans of any size is considerable as assessment of potential borrowers, their repayment prospects and security; administration of outstanding loans, collecting from delinquent borrowers, etc., has to be done in all cases. There is a break-even point in providing loans or deposits below which banks lose money on each transaction they make. Poor people usually fall below that breakeven point. In addition, most poor people have few assets that can be secured by a bank as collateral. As documented extensively by Hernando de Soto and others, even if they happen to own land in the developing world, they may not have effective title to it.[2] This means that the bank will have little recourse against defaulting borrowers. Seen from a broader perspective, the development of a healthy national financial system has long been viewed as a catalyst for the broader goal of national economic development (see for example Alexander Gerschenkron, Paul Rosenstein-Rodan, Joseph Schumpeter, Anne Krueger ). However, the efforts of national planners and experts to develop financial services for most people have often failed in developing countries, for reasons summarized well by Adams, Graham & Von Pischke in their classic analysis 'Undermining Rural Development with Cheap Credit'.[3] Because of these difficulties, when poor people borrow they often rely on relatives or a local moneylender, whose interest rates can be very high. An analysis of 28 studies of informal moneylending rates in 14 countries in Asia, Latin America and Africa concluded that 76% of moneylender rates exceed 10% per month, including 22% that exceeded 100% per month. Moneylenders usually charge higher rates to poorer borrowers than to less poor ones.[4] While moneylenders are often demonized and accused of usury, their services are convenient and fast, and they can be very flexible when borrowers run into problems. Hopes of quickly putting them out of business have proven unrealistic, even in places where microfinance institutions are active.[citation needed] Over the past centuries practical visionaries, from the Franciscan monks who founded the community-oriented pawnshops of the 15th century, to the founders of the European credit union movement in the 19th century (such as Friedrich Wilhelm Raiffeisen) and the founders of the microcredit movement in the 1970s (such as Muhammad Yunus) have tested practices and built institutions designed to bring the kinds of opportunities and risk-management tools that financial services can provide to the doorsteps of poor people.[5] While the success of the Grameen Bank (which now serves over 7 million poor Bangladeshi women) has inspired the world, it has proved difficult to replicate this success. In nations with lower population densities, meeting the operating costs of a retail branch by serving nearby customers has proven considerably more challenging. Hans Dieter Seibel, board member of the European Microfinance Platform, is in favour of the group model. This particular model (used by many Microfinance institutions) makes financial sense, he says, because it reduces transaction costs. Microfinance programmes also need to be based on local funds. Local Roots Although much progress has been made, the problem has not been solved yet, and the overwhelming majority of people who earn less than $1 a day, especially in the rural areas, continue to have no practical access to formal sector finance. Microfinance has been growing rapidly with $25 billion currently at work in microfinance loans.[6] It is estimated that the industry needs $250 billion to get capital to all the poor people who need it.[6] The industry has been growing rapidly, and concerns have arisen that the rate of capital flowing into microfinance is a potential risk unless managed well.[7]

The 1980 Tournament of the Americas, known now as the FIBA Americas Championship, was a basketball championship hosted by Puerto Rico from April 18 to April 25, 1980. The games were played in San Juan. This FIBA Americas Championship was to earn the berths allocated to the Americas for the 1980 Summer Olympics in Moscow. The United States did not participate in the tournament. Puerto Rico won the tournament by going 5-1 in the round robin. Because of the U.S.-led boycott of the Olympics, eventual berths went to Brazil, the fourth place finisher, and Cuba, the sixth place finisher.

The creation of national parks has undoubtedly helped to protect rainforests. Yet, as national parks are open to the public, tourism is damaging some of these areas. Often, national parks are advertised to tourists before adequate management plans have been developed and implemented. Inadequate funding is allocated for preservation of forests by government departments. Governments see tourism as an easy way to make money, and therefore tourism is encouraged whilst strict management strategies are given far less government support. Ecotourism, or environmentally friendly tourism, should educate the tourists to be environmentally aware. It should also be of low impact to its environment. Unfortunately, many companies and resorts who advertise themselves as eco-tourist establishments are in fact exploiting the environment for profit. In Cape Tribulation, Australia, for example, the rainforest is being threatened by excessive tourism. Clearing for roads and pollution of waterways are two of the major problems in this area. The Wet Tropics Management Authority which oversees the surrounding World Heritage Area is promoting tourism to the area before any management plans have been formulated, before any effective waste management strategy has been devised and before any ecofriendly power alternatives have been fully explored. Solutions: The rights of indigenous forest dwellers and others who depend on intact forests must be upheld. In instances where there are campaigns opposing specific tourist developments, they should be supported. Genuine ecotourism should be preferred to other tourist enterprises.

The immediate causes of rainforest destruction are clear. The main causes of total clearance are agriculture and in drier areas, fuelwood collection. The main cause of forest degradation is logging. Mining, industrial development and large dams also have a serious impact. Tourism is becoming a larger threat to the forests.

The creation of national parks has undoubtedly helped to protect rainforests. Yet, as national parks are open to the public, tourism is damaging some of these areas. Often, national parks are advertised to tourists before adequate management plans have been developed and implemented. Inadequate funding is allocated for preservation of forests by government departments. Governments see tourism as an easy way to make money, and therefore tourism is encouraged whilst strict management strategies are given far less government support. Ecotourism, or environmentally friendly tourism, should educate the tourists to be environmentally aware. It should also be of low impact to its environment. Unfortunately, many companies and resorts who advertise themselves as eco-tourist establishments are in fact exploiting the environment for profit. In Cape Tribulation, Australia, for example, the rainforest is being threatened by excessive tourism. Clearing for roads and pollution of waterways are two of the major problems in this area. The Wet Tropics Management Authority which oversees the surrounding World Heritage Area is promoting tourism to the area before any management plans have been formulated, before any effective waste management strategy has been devised and before any ecofriendly power alternatives have been fully explored.

Europe has 321 butterfly species, while a park in the rainforest of Peru (Manu National Park) has 1300 species.

the United States has 81 species of frogs, while Madagascar which is smaller than Texas, may have 300 species.

Europe has 321 butterfly species, while a park in the rainforest of Peru (Manu National Park) has 1300 species.

he first bomb was exploded in a test at Alamogordo, New Mexico, on July 16, 1945. See also Manhattan Project. Two more bombs had been built, and the possibility arose of using them to convince the Japanese to surrender. President Harry S. Truman decided to allow the bombs to be dropped. For maximum psychological impact, they were used in quick succession, one over Hiroshima on August 6, the other over Nagasaki on August 9. These cities had not previously been bombed, and thus the bombs’ damage could be accurately assessed. U.S. estimates put the number killed or missing as a result of the bomb in Hiroshima at 60,000 to 70,000 and in Nagasaki at 40,000.

Although the human cost of the war was tremendous, casualty figures cannot always be obtained and often vary widely. Most experts estimate the military and civilian losses of Allied forces at 44 million and those of the Axis at 11 million. The total number of civilian losses includes the 5.6 million to 5.9 million Jews who were killed in the Holocaust. Of all the nations that participated in World War II, the human cost of the war fell heaviest on the USSR, for which the official total, military and civilian, is given as more than 20 million killed. The United States, which had no significant civilian losses, sustained more than 400,000 deaths.

In 1945 the war ended in a victory for the Allies. The Soviet Union and the United States subsequently emerged as the world's superpowers, setting the stage for the Cold War, which lasted for the next 46 years. The United Nations was formed in the hope of preventing another such conflict. The acceptance of the principle of self-determination accelerated decolonization movements in Asia and Africa, while Western Europe itself began moving toward integration.