Casabianca free essay sample

The kid remained on the consuming deck, Whence everything except he had fled; The fire that lit the battle’s wreck Shone round him o’er the dead. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of grit, penance, duty, energy and control through the narrative of Casabianca. Clarification: In these lines poetess tells that Casabianca was remaining on the leading group of the boat which was ablaze. He was remaining solitary while all others had left the boat. The flares of fire ascending on all sides. These flares were sparkling over dead assortments of the warriors executed in the fight. 2. However delightful and brilliant he remained, As destined to control the tempest, An animal of Heroic blood A glad, through youngster †like structure. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of grit, penance, obligation, enthusiasm and order through the narrative of Casabianca. Clarification: In these lines poetess tells that the kid remained on the leading body of the boat inspite of consuming flares. He glanced very hardsome in the light of these blazes. It appeared that he was destined to administer over tempests. He had acquired honorability from his front dads. In spite of the fact that he was of young age, he looked courageous and glad to do the order of father. 3. The flares moved on †he would not abandon his father’s word That father black out in death underneath His voice not, at this point heard. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of dauntlessness, penance, obligation, energy and control through the tale of Casabianca. Clarification: In these lines poetess says that blazes hurried at Casabianca. Be that as it may, he had settled not to leave the spot except if his dad allowed him. His dad was laying dead in the lower some portion of the boat so his voice could be heard no more. 4. He called out loud: â€Å"Say father! State If yet my assignment is finished? † He knew no that the boss tain lay Unconscious of his child. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of fortitude, penance, obligation, energy and control through the account of Casabianca. Clarification: In these lines poetess tells that the kid called his dad in a noisy voice. He asked whether, the obligation relegated to him was finished or not. He didn't realize that leader of the boat was uninformed about the state of his child. 5. â€Å"Speak father! † Once again he cried. â€Å"If I may yet be gone†! What's more, yet the blasting shots answered, And quick the flares moved on. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of dauntlessness, penance, duty, nationalism and order through the narrative of Casabianca. In these lines poetess tells that the kid again cried and inquired as to whether e could go. He needed to state all the more however his voice was suffocated amidst substantial commotion of weapons and the flares surged on quick. 6. Upon his temple he felt their breath, And in his waving hair, And looked from that solitary post of death, In still, yet valiant hopelessness. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of dauntlessness, penance, obligation, nationalism and control through the tale of Casabianca. Clarification: In these lines poetess says that the blazes hurried at the kid. He felt their warmth on his front head and in waving hair. Despite the fact that he knew, that his demise was close however he stood very and quiet. He checked out him from spot of death with striking heart however he was frustrated. 7. What's more, yelled however again out loud â€Å"My father! Must I stay†? While o’er him quick, through sail and cover The wreathing fires cleared a path. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of grit, penance, duty, nationalism and order through the account of Casabianca. Clarification: In these lines poetess says that the kid by and by shouted out in noisy voice. He needed to know whether it was important for him to remain there. Simply then the flares raced through sails and ropes. 8. They wrapt the boat in quality wild, They got the banner high, And gushed over the chivalrous kid, Like banness in the sky. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of valiance, penance, obligation, nationalism and order through the tale of Casabianca. Clarification: In these lines poetess tells that the flares encompassed the boat and secured it on all sides. They even arrived at the banner which was flying exceptionally high. They additionally encompassed the valiant kid like the flag’s shadows in the sky. 9. There came an explosion of thunder sound, The kid goodness! Where right? Ask of the breezes that far around With sections thew the ocean. Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of boldness, penance, duty, energy and control through the narrative of Casabianca. Clarification: In these lines poetess tells that unexpectedly a noisy commotion was heard there and nobody can envision that where the group of daring kid was. Just the breezes could state which were blowing around the kid that where was he. 10. With pole and steerage and pennon reasonable, That all around had borne their part; But the noblest thing which died there, Was that youthful steadfast heart! Reference to Context: These lines have been taken from the sonnet â€Å"Casabianca† composed by Felicia Dorothea Hemans. In the sonnet poetess passes on the message of valiance, penance, duty, nationalism and control through the account of Casabianca. Clarification: In these lines poetess tells that part played by pole, rudder and the banner flying on pole is acclaim commendable. In any case, the noblest thing which kicked the bucket there was the youthful submissive and trained heart, that was Casabianca. Synopsis The sonnet Casabianca was composed by Mrs. Felicia Dorothea Hemans. It begins with the notable line, the kid remained on the consuming deck. The story identifies with an uncommon episode of commitment and gallantry saw during the Battle of the Nile. It was on the night of July 28 of 1798 that the English maritime unit under Lord Nelson cruised in. They had gotten the French armada at stay and ill-equipped. The French lead was simply the LOrient and it before long discovered flanked by English boats assaulting from the two sides. A wild fight was before long seething and the glimmers of 2000 weapons lit up the boats in the social event obscurity. LOrient was gotten by the English broadsides and was set burning. It was then that the English mariners saw an astounding sight. There on that consuming deck they saw a kid remaining solitary. He was Cassabianca, the multi year old child of one of the boats officials. There he stood, alone at his post. He was encircled by blazes and confronting the dumbfounded English adversary. Before long a short time later the fire arrived at the powder magazine where it counts in the hold. The kid died when the entire boat ejected in a huge blast. The sound of LOrient exploding was heard at Rosetta 20 miles away. What's more, the sparkle of the fireball was found in Alexandria. It was a tremendous blast of a greatness once in a while observed back in those occasions. The English mariners felt overwhelmed at what they had quite recently seen. For exactly twenty minutes the firearms were quiet. The English officials and men were totally alarmed at the slaughter that had occurred. They sent a boat to save the survivors from the water. Around 70 French mariners were spared. The record of that kid who remained on that consuming deck was told and retold. In the long run it passed on into legend. The story stays a great case of commitment and dependable assistance. Also, the sonnet keeps on filling in as a wellspring of motivation and miracle for some all through Christendom. That kid who remained at his post on that consuming deck has not been overlooked. Furthermore, the tale of his chivalrous stand is recalled straight up to the current day.

Art Essay Example | Topics and Well Written Essays - 1000 words - 7

Workmanship - Essay Example This is recognized to be one of the artist’s most popular prints, and has been repeated a few times from the couple of impressions accessible. When contrasted with his later impressions, there are noted to be a few contrasts, for example, the state of the arm â€Å"which isn't so far completely defined† (Ivins: 182). This is one of the few aquatints made by Goya during the most recent long stretches of his life. As per Schider (p. xxii), the tone of the image can be helped by scratching, however can't be obscured, consequently the strategy includes a demanding technique. Like work done by mezzotint etchers the copper was first roughened with grainy aquatint. At that point Goya made the perfect work of art by scratching features into the readied surface of the coppersheet. The threatening and secretive figure of the enormous being who could be a Titan, for example, Prometheus or Zeus, was hence etched out of the dimness of the foundation. In Goya’s etchings with aquatint, known as â€Å"the Caprices†, his principle specialized accomplishment was: making a visual world in which shapes rise up out of the murkiness (Murray: 153). The artist’s bad dreams are depicted; the structure and substance of which are oblivious of the regular laws of the universe. The light falls on the pic ture suggestively, yet isn't reasonable. The exact implications of the pictures that he made were not unmistakably clarified, and were left to the onlooker’s creative mind to decipher freely. Francisco de Goya y Lucientes is seen to have for the most part kept away from traditional subjects, and particularly didn't utilize universal neoclassicism which characterized an inclination for line over shading, utilized static postures and shunned portraying feeling. The term sentimental elegance was instituted by the craftsmanship history specialist Sigfried Giedion, who accepted that neoclassicism as an autonomous style didn't exist, and that traditional relic was perfect with sentimentalism

Evolution of Distance Education Research Paper Example | Topics and Well Written Essays - 1750 words

Development of Distance Education - Research Paper Example Reports on the equivalent uncover it to have rehearsed this technique for instruction for more than 20 years. The progression of the present innovation has come about to heightening of this training in greater part of foundations in the US. The WVU has actualized internet learning meetings for conveying custom curriculum. Since the time previously, intercession of the separation between understudies, organizations along with the individual educators have been controlled by the most present innovation used. In this way, this content is of significant criticalness, as it would effectively portray the development of separation training by introducing an examination plan (Ludlow and Duff, 2009). Proclamation of the exploration issue This examination focuses on the recognizable proof of how separation training has advanced since its introduction. Various sources tends to a similar issue however from divergent points of view. The use of separation instruction has been abused in various pie ces of the globe, and this achieves the prominent varieties. It is in taking note of the degree to which this type of training has developed that distinguishing those elements fundamental for such an event would be simpler. This examination plans to uncover systems that those included should actualize in upgrading adequacy required in this type of administration conveyance. The less created and creating nations are insufficient of the most present innovation that is determinedly being used by the effectively evolved states. These countries, particularly those from Africa will have the option to get familiar with the ideas to embrace so as to start the separation instruction program. In this manner, the exploration question is; does improvement in innovation contribute towards the advancement of separation training? Survey of the related writing The enlargement in the present innovation has permitted WVU to use the innovation supported separation training. As per an examination led b y various researchers, such a college has drilled separation instruction for over two decades since 1980s (Ludlow and Duff, 2009). As this college started this procedure, it just tried to test whether it could work. In any case, their test endeavors have come about to the current far reaching advancement in the utilization of this idea. The WVU separation training manages offering programs on a specialized curriculum. The cautious audit of the writing assigns an expansion in the portion of those taking a crack at these projects every year. Furthermore, it additionally delineates an ascent in those finishing such a program every scholastic year. During the presentation of this idea in the college, most of the members were from inside, however right now the members exude from everywhere throughout the US. In addition, the innovation headway has empowered people from everywhere throughout the globe to take an interest out yonder learning movement. Writing shows that the communicate TV; the most confused innovation of the day was utilized during the presentation of separation training programs. The advancement of courses that could be made accessible to understudies through the Public Broadcasting System (PBS) is the thing that came about to usage of the TV (Huett et al., 2008). After these understudies finishing the schedule, they sat for assignments later submitted for checking by means of the mail. The underlying utilization of satellite for training purposes experienced various difficulties. For example,

Child development observations Research Paper Example | Topics and Well Written Essays - 500 words

Kid improvement perceptions - Research Paper Example 5:05-She is as yet looking and stops at one specific page and attempts to peruse she makes an intense face and calls attention to an image of MASHED POTATO however says â€Å"ICE-CREAM†. â€Å"With chocolate sauce and chocolate-chips† she includes in the wake of choosing what she needed to have. 5:10-She puts them all together and returns the remain from where she got it. â€Å"When will my food be ready?† she enquired. Her face looks somewhat anxious now as she gazes at the servers conveying plate to different tables. 5:11-She begins scratching her legs with her correct hand. When the server moves toward her table, G gazes toward the plate he was conveying. Her eyes pillar up when she sees the enormous bowl of parfait. She grins and takes a gander at the bowl with wonderment filled eyes. 5:12-G gets the spoon with her correct hand and glances around. She at that point looks inclines forward on her seat and delves into the frozen yogurt with the spoon. She can't recover an appropriate scoop which falls when she picks it. With her left hand she goes after the cherry put on the highest point of the dessert. 5:13-G put the cherry into her mouth with her left hand and afterward utilized both her hands to hold the spoon and scoop a touch of the dessert. She views assurance all over. She at long last figures out how to achieve her assignment and put the spoon into her mouth and eats the dessert off it. â€Å"Its cold!!!† she shouts and shakes her head left to right multiple times. 5:15-She drops a touch of the softened sweet on her dress and looks down with a look of disturb. G at that point grins and attempts to pick the fallen bits of treat with her spoon. She falls flat since the frozen yogurt melts and runs down her garments. 5:18-â€Å"I am done would i be able to have the cheese?† she inquires. She is currently taking a gander at the sandwich kept right over her. G is given a touch of the cheddar cut. G joyfully takes it with her correct hand and places it into her mouth on the double. She bites on it

Reforming U.S. Political System free essay sample

Inspects hypotheses, requirement for, elective ways to deal with diminishing optional separated govt., gridlock, organization, social war, open lack of interest. Examiners have watched an expansion among the electorate in both detachment and alienation toward all degrees of government. Individuals have consistently grumbled about the organization they need to confront when they have business with the legislature. They have consistently condemned programs which didn't work and spending they feel is misled. They have likewise consistently known about legislative debasement and now and again have been pretty much ready to acknowledge it as guaranteed if not to endure it. As of late, however, moral inquiries have gotten progressively significant as people in general has gotten tired of failures in their bureaucratic structure. The observation is that legislature is assailed by gridlock, inadequacy, and defilement, and individuals have little tolerance with the debasement specifically. What is looked for is a model of bureaucratic duty to manage this issue. We will compose a custom article test on Improving U.S. Political System or on the other hand any comparative theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page .

Eating Disorders, Periods, and Bone Health

Eating Disorders, Periods, and Bone Health Eating Disorders Symptoms Print Amenorrhea in Disordered Eating By Lauren Muhlheim, PsyD, CEDS facebook twitter linkedin Lauren Muhlheim, PsyD, is a certified eating disorders expert and clinical psychologist who provides cognitive behavioral psychotherapy. Learn about our editorial policy Lauren Muhlheim, PsyD, CEDS Medically reviewed by Medically reviewed by Steven Gans, MD on March 11, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on January 19, 2020 Laurence Monneret / Getty Images More in Eating Disorders Symptoms Treatment Diagnosis Awareness and Prevention Women commonly dread their monthly menstrual period (menses). However, eating disorder treatment professionals are usually thrilled when a patient’s menses return after it has stopped due to an eating disorder. Although amenorrhea (absence of a menstrual cycle for three consecutive months in a female of childbearing age) has been removed from the  Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition (DSM-5  ) as a diagnostic criterion for anorexia  nervosaâ€"and the resumption of menses is not the sole criterion for  recoveryâ€"it remains a significant marker of the illness for many.?? It is important to note it is not only females that suffer from eating disorders, and  males experience them  at higher rates than were once thought. It bears noting that there is no equivalent to amenorrhea among males with eating disorders. Males often experience decreased testosterone, which can cause its own set of symptoms. This article, however, will address only amenorrhea. Eating Disorders and Amenorrhea 66 to 84 percent of women with  anorexia nervosa  experience amenorrhea, with an additional 6 to 11 percent  experiencing light or infrequent menstrual periods. Approximately 7 to 40 percent  of women with  bulimia nervosa  report amenorrhea.?? A younger adolescent may experience a delayed start of her first period as a result of an eating disorder. Amenorrhea occurs most commonly when the body is in a state of “relative energy insufficiency,” in which caloric intake is inadequate relative to energy burned. This disrupts the hormone cycle that regulates menses. Some girls with anorexia, however, continue to menstruate throughout their illness. Some girls stop menstruating before they start losing weight. Binge eating has also been found to cause menstrual disturbances. The cessation of periods in a young female with an eating disorder mimics the onset of menopause. Associated symptoms may include mood changes, night sweats, difficulty sleeping, cognitive problems, and shrunken ovaries and uterus. One of the most significant effects of these hormone changes is  osteopenia, a depletion of calcium in the bones. Depleted bones are a major concern because they fracture at higher rates. In the longer term, osteopenia may lead to irreversible and chronic problems such as osteoporosis (brittle bones).?? Myths About  Getting Your Period Back Myth:  Birth control pills can solve the problem of amenorrhea due to an eating disorder. Birth control pills are commonly prescribed in an attempt to restart menses and to minimize bone weakness. One study surveyed doctors and found that 78 percent  prescribed birth control pills for their patients with anorexia nervosa. However, research shows that birth control pills do not help to reverse osteopenia.?? They cause only an artificial period and do not get at the heart of the problem or help with bone density. In fact, because the pills may mask the problem (lack of true menstruation) they are not recommended for purposes beyond birth control (non-menstruating sexually active females may still become pregnant). Myth: Exercise will strengthen the bones of females with eating disorders and amenorrhea. Although weight-bearing exercise usually helps to strengthen and build bone, this does not hold true for patients with anorexia nervosa. Misra and colleagues wrote: [Once] they become amenorrheic, the protective effect of  exercise is lost. To date, there is no evidence that high-intensity exercise in the context of weight loss and amenorrhea is protective to bone mass in [anorexia nervosa].?? Furthermore, excessive exercise may lead to estrogen deficiency and amenorrhea, exacerbating the problem. The Truth About Getting Your Period Back The safest and most effective strategy to improve bone density in anorexia nervosa is returning to a weight that is appropriate as per growth chart and history, and natural restoration of menstrual function.?? In females, the bones will not grow stronger without adequate estrogen, which requires a resumption or initiation of menstruation. The only treatment for the resumption of menses is adequate and sustained weight restoration through refeeding and normalization of eating (including cessation of  binge and purge cycles). In many cases in which patients have improved and have been presumed cured, amenorrhea persists. It may take up to six months for menses to resume after weight has been restored. Persistence of amenorrhea beyond this point may indicate the individual is not truly fully weight restored. A study by Faust and colleagues (2013) demonstrated that standard eating disorder treatment goals may be insufficient to resolve amenorrhea.?? This study notes: The standard treatment goal for adult patients is achieving 90 percent  of expected body weight (based on body mass index, height, age, and sex).Among adolescents with anorexia nervosa in the study, the return of menses occurred on average at about 95 percent  of expected body weight, “suggesting that as a minimum this weight target is necessary to restore menses in adolescents.”They state, “Individual differences in weight trajectories should be taken into account,” (p. 5) ?many patients may have higher setpoints  (and hence, weights at which menses will resume) than population averages would suggest.They point to other research that indicates that it is not atypical for adolescents to restore menses at weights more than 5 pounds above the weight that supported menses prior to the onset of amenorrhea. Unfortunately, for some patients, depending on the length, severity, and age at onset of illness, bone density may never be fully recoverable, but the chances are greatly improved by early and aggressive treatment. The Bottom Line In conclusion, loss of menses during an eating disorder is a significant cause for concern that is best remedied by prompt weight restoration, normalization of eating behaviors, and sustained nutrition. If you or someone you love believes she is fully recovered but is not experiencing menstrual periods, it is a good idea to try increasing weight and seeing if menses return.  This offers the best opportunity for reducing lifelong debilitating consequences resulting from bone weakness.

Lending Club Decision Making Dilemma Research Paper - 2200 Words

Lending Club Decision Making Dilemma Research Paper (Research Paper Sample) Content: Lending Club Decision Making DilemmaInstitutionNameInstructorDateLending Club Decision Making DilemmaLending club is an online peer-to-peer (P2P) lending platform that offers loans funded by lenders. The company issues notes to the lender members that beg a question whether the notes are indeed securities or not. This legal question has brought a dilemma to the Lending Club whether to move to new security model by filing with Securities and Exchange Commission (SEC) or stay with its original model. Any action the company takes has its own risks and benefits. The company is trying to weigh out the risks and opportunities associated with either action. Therefore, the dilemma is that will Lending Club be better off filing with SEC or will it be successful with its status quo. To answer this dilemma, it is necessary to conduct cost-benefit analysis to determine the best option with many benefits than costs/risks. The option that has few benefits than risks is the best ca use of action the company should take.Cost benefits analysisThis will analyze the benefits and risks of either registering with the SEC or maintaining the status quo and go ahead with creating the secondary market. 1 Moving to securities model (registering with the SEC)If Lending Club moves to the new securities model, they will comply with SEC regulations that will eventually change the way they do business with their partners, borrowers and lenders. In fact the local cost of filing with SEC is about $3.5 million. Lending Club will also be compelled to temporarily stop allowing its lenders to fund loans when it is under SEC. once the review is successful, the company will move to a new securities model that requires new marketing campaign. All these other adjustments will cost the company $1.5 million. The company will also have to set aside $450, 000 annually to meeting the new filing as well as financial reporting requirements. However, SECs position would reform P2P lending and make companies like Lending Club to have influence in the market (Tufano, Jackson Ryan, 2010).The cost of SEC is indeed high and will selectively overburden P2P business which can also restrict the growth of the P2P lending industry. Verstein (2011) noted that for-profit P2P lending platforms will be harmed continuously by the process of registration to SEC. the P2P are not allowed to sell notes before the process of registration becomes effective. They must also continue to amend their fillings in post-effective period. Therefore, the delays and costs of SEC regulation have resulted in the reduction in number of these P2P lending platforms. This has restricted the competition and growth of P2P lending industry (p.511). In fact other P2P firms such as Virgin Money, Loanio, and Pertuity closed their operations due to burden of complying with SECs regulations (Lo, 2016).Therefore, in total, the company must pay $5 million USD to get registered with SEC. More so, the registration proc ess is going to halt the companys operation. With the fact that the P2P lending industry is majorly a duopoly market with two main competitors, Prosper Inc. and Lending Club controlling 98% of the P2P market (Lo, 2016), it is likely that the company will lose its customers to Prosper and other small competitors if its operation is halted when its registration request is being reviewed by SEC. This will affect the companys business that will be compelled to use a lot of resources for marketing to gain back its market share.Verstein (2011) added that SEC lacks mandate to protect the borrowers and it might favor lenders over the borrowers when its needs information disclosures. More so, SEC involvement in P2P lending business is hurting lenders by introducing additional risks. A mandatory disclosure under SEC filings is compromising P2P borrowers privacy with limited benefits to lenders. In fact even SEC acknowledged that only a few people access information about P2P investment throug h EDGAR. The SEC lack the mandate to shield borrowers and this could potentially cause a ruthless pro-lender bias towards P2P disclosure. More so, SEC registration has the possibility of making lenders worse off. P2P lenders can only register with SEC under Securities Act Rule 415 through shelf registration. This is the only way of registering a group of securities. Nevertheless, shelf registration means that the platform must also serve as issuer but not as the individual borrowers. This exposes P2P lenders to credit risks of both the platform and the borrowers (Verstein, 2011).Therefore, securities model will expose Lending Club to financial risks, and it will get bogged in privacy issues which will bring legal and ethical. These risks are very costly: privacy issues concerning borrowers can make them sue the company which can result into payment of damages and legal costs while the companys reputation can be jeopardized. Financial risks can make the company lose a lot of resource s which can halt is operation or even makes it undergoes liquidation.However, SEC filing is also beneficial. Lo (2016) observed that unlike the traditional credit industry, lenders in P2P lending market requires more protection compared to borrowers because of their retail status. Therefore, it is likely that most of the problems about securities model has been contained or completely mitigated. Lo (2016) conducted analysis of 391,888 of Lending Clubs transactions between 2007 and 2013. From the analysis, 33,592 of these loans were matured hence they had been paid off or charged off. Each of the loan transaction contains borrower disclosures lenders rely on while making investment decisions. This empirical study significantly compares bifurcated and consolidated regulatory approaches. The result of the empirical analysis found that borrowers enjoy better rates of return than what they would have acquired from their credit cards, their immediate source of credit if they are subjected to no or fewer abusive practices. They are also protected from any exploitation from lenders. In fact credit card interest rates were 13-14% while that of Lending Club was 11-12%. They are also protected from collection polities as well as problems of small loans (Lo, 2016). Therefore, when there are regulations under SEC, borrowers will be protected from exploitation while the industry will be regulated to avoid unethical practices. 2 Status quoIn status quo condition, Lending Club will not move to the securities model. However, if Lending Club does not move to the new securities model, it will not incur these additional costs but they risk other legal and ethical issues. In status quo situation, Lending club will not be regulated with SEC. This will contravene the Securities Act which considers Lending Club notes as securities . Lending Club notes are securities because they are publicly tradable notes. Additionally, Lending Club has paired with WebBank, chartered traditional industrial bank, which issue loans to borrowers. Lending Club then buys loans and issues own promissory notes that are paid out to lenders (investors) only if a bower makes payment. Therefore, Lending Club, and to extent all P2P lending platforms, have broad market nature of investment opportunity. This means that it is a lender hence its notes falls under securities. If Lending Club fails to register with SEC, it means that it will contravene Securities Act Rule 415 which requires securities like P2P lending notes to be registered under shelf registration with SEC. more so, the definition of securities  under the Securities Act of 1933 is that it securities are any note  or investment contract.  P2P lending notes are investment contracts  and notes  under Securities Acts (Verstein, 2011). Therefore, if Lending Club fails to shift to securities model, it will face legal issues...