The ZOPA model will soon dominate personal banking in the UK Essay

The ZOPA model will soon dominate personal banking in the UK - Essay Example Zopa UK has been operating in the UK virtual environment for 6 years. ZOPA has been providing a lending and borrowing medium to people at cost-effective and competitive rates unlike banks that charge higher rates to borrowers at their own terms and conditions. Zopa member strength was just 300 when it started in 2005. Within next 4 months, it reached to 26,000 members. Zopa has been able to offer competitive rates as its products are riskier to other market players (Chaffey, 2008). The company was established by the three founders namely chief executive Richard Duvall, chief financial officer James Alexander and David Nicholson. All the three founders of Zopa had some connection with Egg; Richard Duvall was the leading man behind the creation of online bank for Prudential in 1998; Mr. Alexander had been the strategy director when he joined Egg in 2000 and before that he was working for Smile, an online bank. Egg’s brand development director Sarah Mathew also joined the league to write a successful story on Zopa in 2005 (Chaffey, 2008). Zopa is an online marketplace that brings investors and borrowers on the same platform for the realisation of a personal loan at competitive rates to both the parties unlike banks that charge higher interest rates. At Zopa there is no need to worry about overhead charges, unethical investments, managing employees in thousands and branches in hundreds.

Infectious Diseases and the Immune System Assignment

Infectious Diseases and the Immune System - Assignment Example Tracheal cytotoxin then leads to the paralysis of the ciliated cells. Finally, the adenylate cyclase initiates the infection and causes reduction of the phagocytic activity. Non-specific immunity: It includes a nonantigen-specific method of immunization that ensures immediate maximal response by the body. The vaccine provides the antigen to initiate antibodies against the bacteria. Symptoms include low fever, sneezing, slight cough, and later whooping. Diagnosis can be through physical and visual examination of the patient accompanied by a laboratory test to determine the bacteria. Treatment includes the use of antibiotics. Acellular vaccination includes one where there is the use of inactivated bacteria and one or less concentrated bacterial components. The Whole-cell vaccination is a mode of vaccination where the vaccines are administered with diphtheria and tetanus (DPT) and are more effective. Pearl was a scientist from Wheaton, Illinois, who has suffered from whooping cough and recovered. The respiratory illness had surfaced in different continents leading to various deaths due to its way of transmission. After surviving from the killer disease, she engaged in research and other scientific activities to ensure that there was a cure to prevent more deaths. Other French scientists namely Jules Border and Octave Genguo motivated her work. She used her experience on the disease’s symptoms to understand how the bacteria reacted during the incubation period. Consequently, she teamed up with other scientist and begun working towards establishing an antibiotic for the disease. The antibiotics were attained through laboratory tests on the bacteria’s trends. The process reduces the baby’s chances of contracting the disease due to the pre-determined vaccination schedule. Additionally, it saves on costs because the prevention of a disease is substantially cheaper than its