Property Crowd Funding Position Essay Example | Topics and Well Written Essays - 500 words

Property Crowd Funding Position - Essay Example There are three types of crowdfunding, which include donation, debt, and equity. Donation crowdfunding is mostly related to noble causes, where most people decide to invest simply for they believe in the purpose of Crowdfunding. Similarly, debt crowdfunding is based on the concept of peer-to-peer lending process1. In debt crowdfunding, the entire process revolves around lending money, wherein the investors expect to receive their interest on their invested amount and thus, gain profits. In this case of debt crowdfunding, along with the financial returns, investors also aim at gaining the benefit of contributing to the success of a particular purpose, which they believe as worthwhile. Additionally, in the case of equity crowdfunding, people invest in exchange for equity. Fundamentally, here the money is exchanged with the shares. Correspondingly, it can be stated that when the funding is successful, the community’s share value goes up, and vice-versa2. It is worth mentioning in this regard that both debt crowdfunding and equity crowdfunding can be related to property crowdfunding concepts, wherein investors tend to buy a real estate in order to sell it or let it out in order to obtain profits or returns. Aimed at elaborating on the context of property crowdfunding, the discussion henceforth will elaborate on two main themes, which are property or real estate and crowdfunding. In the view of today’s competitive global business world, crowdfunding in real estate has emerged as a new investment option with secured high returns for many. It was following this augmentation in the rate of property crowdfunding that the Jumpstart Our Business Startups (JOBS) Act of 2012 was brought into effect in the US. This new rule was intended to allow all the investors from every income level to gain direct access to the real estate market with the help of crowdfunding.  

Demand Analysis of low-calorie microwavable food Essay Example for Free

Demand Analysis of low-calorie microwavable food Essay QD = 20,000 10P + 1500A + 5PX + 10 I Since R2 is considerable high, the model explains the demand quite well. Putting the values of P, A, Px and I in the above equation, we get, Converting all price into dollars, we get, QD = 20,000 – (10Ãâ€"8000) + (1500Ãâ€"64) + (5Ãâ€"9000) + (10Ãâ€"5000) = 131000 Now, own price elasticity (ep) = Ãâ€" = -10, P = 8000, Q = 131000 Own Price elasticity (ep) = 10 Ãâ€" = 0.61 (approx.) Cross price elasticity (exy) = Ãâ€" = 5, Px = 9000, Q = 131000 Cross price elasticity (exy) = 5 Ãâ€" = 0. 34 (approx.) Income elasticity (eI) = Ãâ€" = 10, I = 5000, Q = 131000 Income elasticity (eI) = 10 Ãâ€" = 0.38 (approx.) Advertisement elasticity (eA) = Ãâ€" = 1500, A = 64, Q = 131000 Advertisement elasticity (eA) = 1500 Ãâ€" = 0.73 (approx.) From the above results, we can see that the own price elasticity is 0.61. Thus the demand for the low-calorie microwavable food is inelastic in nature. This implies that an increase in the price of the food leads to the fall of the quantity demanded by less than proportionate amount. Income elasticity of the good calculated is 0.38. This implies that the good selected is normal good. The cross price elasticity is 0.34. Therefore the two goods are almost substitute goods. Finally, coming to the advertisement  elasticity, we can see that the advertisement elasticity is 0.73. Thus advertisement has an important impact on the sales of the product. Since price elasticity is less than 1, total revenue will fall if price falls. Moreover the cross price elasticity of the product is almost close to zero. So, if the firm will never lower its price to increase its market share. i) The demand curve s drawn below: ii) At these prices there is always an excess supply. Thus market forces cannot determine the equilibrium. iii) The factors can influence demand and supply are: Demand – Advertisement, Income, price of the competitor’s product, etc. Supply – technological improvement, supply shocks, etc. Increase in advertisement expenditure can increase the demand this will shift the demand curve rightward. Similarly any reduction in advertisement expenditure will shift the demand curve leftward. Similarly, a rise in per capita income will shift the demand curve rightward and viceversa. Now, the supply curve can shift rightward if there is any improvement in the technology. On the other hand any supply shock can shift the supply curve leftward. References: Varian, H. R. (2011). Intermediate Microeconomics: A Modern Approach (8th ed.). NY: Norton Walter Nicholson, Christopher Snyder (2012). Microeconomic Theory: Basic Principles and Extensions (11th ed.). USA: Cengage Learning TR Jain, VK Ohri (2010). Introductory Microeconomics and Macroeconomics (7th ed.). India: V.K.Publications

Pablo Ruiz Picasso Essays -- Art History Artisits

Pablo Ruiz Picasso Pablo Picasso was born in Malaga in 1881. Pablo was the son of a respected art teacher, and due to his father’s influence, young Pablo entered the Academy at Barcelona at age 14. This was where he painted his first great work, â€Å"Girl with Bare Feet†. After two years of schooling, Picasso transferred for even for advanced tutelage. This did not hold Picasso’s interest, so instead he spent much of his time in cafes and in brothels. Three years later, Picasso won a gold medal for his work, â€Å"Customs of Aragon†. This work was displayed on exhibit in Picasso’s home town. In 1901, Picasso set up a studio in the northern section of Paris known as Montmartre. Picasso had mastered traditional forms of art by now. However, he was affected by the works of such artists as Toulouse-Lautrec, Degas, Vuillard which can be noticed in his works at the time. â€Å"Longchamp† and â€Å"The Blue Room† are good examples of this change in Picasso’s style. Soon after this, Picasso began to develop his own methods. Illness struck Picasso in 1898 and he temporarily retired from the city and rested in the country. Upon his return, Picasso was distressed with modern art and proceeded to use mother’s maiden name. Picasso underwent an distressing part of his life for the next 4 years (1901-1904) and demonstrated the life of the poor. The next two years following those last four were rather bright and vigorous. Perhaps this was because he realized how his life differe...

Nutritional needs

Insufficiency leads to Beriberi, Wrinkle-Coworkers syndrome Riboflavin (32) Insufficiency leads to Riboflavin's Intact (83) Peanuts Legumes Enriched grains Insufficiency leads to diarrhea, dementia, dermatitis Cabling (Bal 2) Animal protein Insufficiency leads to pernicious anemia Folic Acid Orange Juice Leafy green vegetables Insufficiency leads to anemia and neural tube defects Ascorbic Acid (Vitamin C): wound healing, hormone synthesis Citrus fruits Insufficiency leads to scurvy, bleeding gums Vitamin A: vision, tissue growth, immune, reproductive function Animal foodsFortified milk Insufficiency leads to night blindness, cerographical Vitamin D: calcium and phosphorus metabolism, PATH, kidney Fortified food sources Insufficiency leads to rickets, astronomical Vitamin E: antioxidant, immune Vegetable oil Margarine Insufficiency leads to hemolytic of Orbs Vitamin K: blood clotting Liver Insufficiency leads to hemorrhage Apricots Avocado Bananas Cantaloupes Raw carrots Peas / Dried beans Dried fruits Oranges Potatoes Prune Juice Spinach Tomatoes Winter squash Calcium (also use for kidney stones) Chocolate BeansLentils Canned / smoked fish (except tuna) Flour Cocoa Green leafy vegetables Trainee / Dopamine Restrictions (for people taking Mayo's) Aged Cheese Smoked fish Processed meats FAA beans Soy sauce Purina (gout / uric acid stones) Organ meats Anchovies Sardines Salmon Herring Venison Goose Seafood Oxalate's (kidney stones) Asparagus Beets Celery Cabbage Dark green leafy vegetables Green beans Beer Cola Nuts -area Acid-Ash Foods

Environment Impact Assessment Process in India

ENVIRONMENT IMPACT ASSESSMENT PROCESS IN INDIA AND THE DRAWBACKS Prepared by – Environment Conservation Team (Aruna Murthy, Himansu Sekhar Patra) September 2005 Vasundhara, 15, Sahid Nagar Bhubaneshwar – 751 007 1 ENVIRONMENTAL IMPACT ASSESSMENT PROCESS IN INDIA AND THE DRAW BACKS INTRODUCTION EIA is an exercise to be carried out before any project or major activity is undertaken to ensure that it will not in any way harm the environment on a short term or long term basis.Any developmental endeavor requires not only the analysis of the need of such a project, the monetary costs and benefits involved but most important, it requires a consideration and detailed assessment of the effect of a proposed development on the environment. The environment impact process was introduced with the purpose of identifying /evaluating the potential beneficial and adverse impacts of development projects on the environment, taking in to account environmental, social, cultural and aesthetic considerations.All of these considerations are critical to determine the viability of a project and to decide if a project should be granted environmental clearance. An EIA concentrate on problems, conflicts and natural resource constraints which might affect the viability of a project. It also predicts how the project could harm to people, their homeland, their livelihoods, and the other nearby developmental activities. After predicting potential impacts, the EIA identifies measures to minimize the impacts and suggests ways to improve the project viability.The aim of an EIA is to ensure that potential impacts are identified and addressed at an early stage in the projects planning and design. To achieve this aim, the assessment finding are communicated to all the relevant groups who will make decisions about the proposed projects, the project developers and their investors as well as regulators , planners and the politicians. Having read the conclusions of an environmental impact a ssessment, project planners and engineers can shape the project so that its benefits can be achieved and sustained with out causing adverse impacts.In recent years, major projects have encountered serious difficulties because insufficient account has been taken of their relationship with the surrounding environment. Some projects have been found to be unsustainable because of resource depletion. Others have been abandoned because of public opposition, financially encumbered by unforeseen costs, held liable for damages to natural resources and even been the cause of disastrous accidents.Given this experience, it is very risky to undertake finance, or approve a major project without first taking in to account its environmental consequences and then siting and designing the project so as to minimize adverse impacts. Due to public pressure on the government to accept accountability for the activities of its agencies the National Environmental Policy Act (NEPA) was formed in USA during 1 970. This was the basis for the development of a mechanism which came to be known as Environmental Impact Assessment (EIA). THE EIA PROCESS IN INDIA The role for EIA was formally recognized at the earth summit held at Rio conference in 1992. Principle 17 of the Rio declaration states that – â€Å"EIA as a national instrument shall be undertaken for the proposed activities that are likely to have significant adverse impact on the environment and are subject to a decision of a competent national authority†. In India many of the developmental projects till as recently as the 1980s were implemented with very little or no environmental concerns.The environmental issues began receiving attention when a national committee on environmental planning and coordination was set up under the 4th five year plan (19691978). Till 1980, the subjects of environment and forests were the concern of the Dept of Science and Technology and Ministry of Agriculture respectively. Later, the issu es were formally attended by the Dept of Environment which was established in 1980. This was then upgraded to the Ministry of Environment & Forest in 1985.In 1980, clearance of large projects from the environmental angle became an administrative requirement to the extent that the planning commission and the central investment board sought proof of such clearance before according financial sanction. Five year later, the Dept of Environment and Forests, Government of India, issued guidelines for Environmental Assessment of river valley projects. These guidelines require various studies such as impacts on forests and wild life in the submergence zone, water logging potential, upstream and down stream aquatic ecosystems and fisheries, water related diseases, climatic changes and sesmicity.A major legislative measures for the purpose of environmental clearance was in 1994 when specific notification was issued under section 3 and rule 5 of the environment protection Act , 1986 called the â€Å"Environment impact Assessment Notification 1994†. The first step in seeking environmental clearance for a development project is to determine what statutory legislations apply to the particular project. The MOEF has brought out several notifications restricting the development of industries in specified ecologically sensitive areas.In addition there are also draft rules framed for the siting of industries. Environmental clearance for development projects can be obtained either at the state level or at the central level depending on certain criteria concerning the characteristics of the project. However (regardless of where the final environmental clearance is obtained from), for most projects the consent must first be taken from the state pollution control board or pollution control committees in the case of union territories. 3RESPONSIBILITY OF PREPARATION OF EIA STATEMENT The project proponent is responsible for the preparation of the EIA statement, with the help of e xternal consultant or institution. THE IMPACT ASSESSEMENT AGENCY The MOEF is the agency for environmental clearance. If necessary, it may consult a committee of experts with a composition specified in schedule III of notification. TIMING OF EIA Ideally EIA should provide information to decision makers at early stage of the project planning cycle. It should be initiated as early as possible before the commencement of projects.If the projects secure approval, EIA should include a provision to cover the audit of the project. COST The amount allocated and spent for preparation of EIA by the project proponents are usually abysmally low compared to the overall project costs (often less than 1% of over all projects). 4 LIST OF PROJECTS REQUIRING ENVIRONMENTAL CLEARANCE FROM THE CENTRAL GOVERNMENT 1. Nuclear Power and related projects such as Heavy Water Plants, nuclear fuel complex, Rare Earths. 2. River Valley projects including hydel power, major Irrigation & their combination including flood control. . Ports, Harbours, Airports (except minor ports and harbours). 4. Petroleum Refineries including crude and product pipelines. 5. Chemical Fertilizers (Nitrogenous and Phosphatic other than single superphosphate). 6. Pesticides (Technical). 7. Petrochemical complexes (Both Olefinic and Aromatic) and Petro-chemical intermediates such as DMT, Caprolactam, LAB etc. and production of basic plastics such as LLDPE, HDPE, PP, PVC. 8. Bulk drugs and pharmaceuticals. 9. Exploration for oil and gas and their production, transportation and storage. 10.Synthetic Rubber. 11. Asbestos and Asbestos products. 12. Hydrocyanic acid and its derivatives. 13 (a) Primary metallurgical industries (such as production of Iron and Steel, Aluminium, Copper, Zinc, Lead and Ferro Alloys). (b) Electric arc furnaces (Mini Steel Plants). 14. Chlor alkali industry. 15. Integrated paint complex including manufacture of resins and basic raw materials required in the manufacture of paints. 16. Viscose St aple fibre and filament yarn. 17. Storage batteries integrated with manufacture of oxides of lead and lead antimony alloys. 18.All tourism projects between 200m—500 metres of High Water Line and at locations with an elevation of more than 1000 metres with investment of more than Rs. 5 crores. 19. Thermal Power Plants. 20. Mining projects *(major minerals)* with leases more than 5 hectares. 21. Highway Projects **except projects relating to improvement work including widening and strengthening of roads with marginal land acquisition along the existing alignments provided it does not pass through ecologically sensitive areas such as National Parks, Sanctuaries, Tiger Reserves, Reserve Forests** 22.Tarred Roads in the Himalayas and or Forest areas. 23. Distilleries. 24. Raw Skins and Hides 25. Pulp, paper and newsprint. 26. Dyes. 27. Cement. 28. Foundries (individual) 29. Electroplating 30. Meta amino phenol 5 PROCESS There are two ‘tiers’ of assessment which should be applied to the project before proceeding with a full scale EIA, Screening and preliminary assessment. Where these first tiers of assessment are a regulatory requirement, the developer normally does the work and submits the results to the regulatory agency.The agency may then decide that either there is nothing to be concerned about or the evaluation should proceed to the next tier. The most important step in the process of obtaining environmental clearance under the EIA notification is for the project proponent to conduct an environmental impact assessment of the project. For this purpose the project proponent engages an environmental consultant to prepare an EIA report. The EIA report must be prepared by incorporation of data during all the four seasons of the year.Such an EIA is termed a â€Å"comprehensive EIA†. How ever, there is provision for a single season collection of data, but this should not be done during the monsoon season. Such an EIA reports is termed a â⠂¬Å"Rapid EIA†. There are two tiers of assessment which should be applied to the project before proceeding with a full scale EIA – Screening and Preliminary Assessment. Wherever these first tiers of assessment are a regulatory requirement, the developer normally does the work and submits the results to the regulatory agency.The agency may then decide whether there is anything to be concerned about or whether the evaluation should proceed to the next tier. BEFORE STARTING THE EIA SCREENING: The screening is the first and simplest tier in project evaluation. Screening helps to clear those types of projects, which from past experience are not likely to cause significant environmental problems. The activity may take one of the following several forms: 1- Measurements using simple criteria such as size or location. 2- Comparing the proposal with list of projects rarely needing an EIA (e. g. chools) or definitely needing one (e. g. coal mines). 3- Estimating general impacts ( e. g. increased in infrastructure needed) and comparing these impacts against set thresholds. 4- Doing complex analyses, but using readily available data. Draw back in the Indian system: 1- Even though some of the industrial set ups do not require EIA as per the statutory norms, they might involve certain technological processes which could be harmful to the environment, as a result of which such enlisted industries could have potential impacts on the environment and on public health. – Exempting industries from the EIA requirements based on the investment value of specific projects is not acceptable. There are no specific studies conducted till now which demonstrate that environmental impacts are always inconsequential for projects under a given value. It is a well established fact that the small scale industries are contributing more pollution with respect to the major industry. 6 PRELIMINARY ASSESSMENT: If screening does not clear a project, the developer may be required t o undertake a preliminary Assessment.This involves sufficient research, review of available data and expert advice in order to identify the key impacts of the project on the local environment, predict the extent of the impacts and briefly evaluate their importance to decision makers. The preliminary assessment can be used to assist early project planning (for instance, to narrow the discussion of possible sites) and it can serve as an early warning to the serious environmental problems that the project may cause. It is in the developer’s interest to do a preliminary assessment since, in practice, this step can clear projects of the need for a full EIA.If after reviewing a preliminary assessment the competent authority deems that a full EIA is needed, the next step for the project developer is the preparation of the EIA report. This entails 1- Commissioning and briefing an independent co-coordinator and expert study team. 2- Identifying the key decision makers who will plan, f inance, permit and control the proposed project, so as to characterize the audience for the EIA. 3- Researching laws and regulations that will affect these decisions. 4- Making contact with each of various decision makers. – Determining how and when the EIAs finding will be communicated. Draw back in the Indian system: It is being found that the team formed for conducting EIA studies is lacking the expertise in various fields such as Anthropologists and Social Scientists (to study the social impact of the project) or even wild life experts. FORMATION OF AN EIA TEAM: SCOPING: The first task of the EIA study team is scoping the EIA. The aim of scoping is to ensure that the study address all the issues of importance to the decision makers.First of all the team’s outlook is broadened by the discussions (with the project proponents , decision makers, the regulatory agency, scientific institutions , local community representative and others) to include all the possible issue s and concerns raises by various groups. Then the study team selects primary impacts for the EIA to focus upon depending on the basis of magnitude, geographical extent, significance to decision makers or because the area is special locally (e. g. soil erosion, the presence of an endangered species, or a near by historical sites) or is an eco-sensitive area.Draw back in the Indian system: 1- There is a lack of exhaustive ecological and socio-economic indicators for impact assessment. 2- Public comments are not taken into account at the early stage, which often leads to conflict at the later stage of project clearance. 7 MAIN EIA: After â€Å"scoping† the main EIA begins. The EIA attempts to answer five questions basically: 1- What will happen as a result of the project? 2- What will be the extent of the changes? 3- Do the changes matter? 4- What can be done about them? 5- How can decision makers be informed of what needs to be done?The EIA becomes a cyclic process of asking an d further asking the first four questions until decision makers can be offered workable solutions. IDENTIFICATION: Identification means the answer to the first question, i. e. â€Å"what will happen as result of the project? † If a preliminary assessment has been done it will have broadly reviewed the projects effect, also scoping will have focused the study on the most important issues for decision makers. Taking these findings in to account the full EIA study now formally identifies those impacts which should be assessed in detail.This identification phase of the study may use these or other methods 1- Compile a list of key impacts (e. g. changes in air quality, noise levels, wild life habitats, species diversity, landscape views, social and cultural systems, settlement patterns and employment levels from other EIA s for similar projects) 2- Name all the projects sources of impacts (e. g. smoke emissions, water consumption, construction jobs) using checklists of questionnai res, then list possible receptors in the environment (e. g. rops, communities using same water for drinking, migrant of labour) by surveying the existing environment and consulting with interested parties. 3- Identify impacts themselves through the use of checklist, matrices, networks, overlays, models and simulations. Draw back in the Indian system: 1- There is always a lack of reliable data sources. 2- The secondary data is also not reliable. 3- The data collectors do not pay respect to the indigenous knowledge of local people. 4- The credibility of the primary data collected by the data collectors is doubtful.The next step called predictions answers the EIA’s second question: â€Å"what will be the extent of the changes†. As far as is practicable, prediction scientifically characterizes the impacts causes and effects and its secondary and synergetic consequences for the environment and the local community. Prediction follows an impact within a single environmental p arameter (e. g. toxic liquid effluents) in to its subsequent effects in many disciplines (e. g. reduced water quality, adverse impacts on fisheries, economic effects on fishing villages, and resulting socio-cultural changes).Prediction draws on physical, biological, socioeconomic and anthropological data techniques . In quantifying impacts, it may employ mathematical models, physical models, socio cultural models, economic models, experiments or expert judgments. PREDICTION: 8 All prediction techniques by their nature involve some degree of uncertainty. So along with each attempt to quantify an impact, the study team should also quantify the predictions uncertainty in terms of probabilities or margins of error. Draw back in the Indian system: 1- The detail method used for the prediction and evaluation of the project is not mentioned in the report.Limited explanations are given both to quantitative estimation of magnitude of impact and to the assumptions and judgments used in the eva luation of impacts. 2- The limited coverage of scoping is confined mainly to direct impacts. The third question addressed by the EIA – do the changes matter is answered in the next step. Evaluation is so called because it evaluates the predicated adverse impacts to determine whether they are significant enough to warrant mitigation. Thus judgment of significance can be based on one or more of the followings. 1234Comparison with laws, regulations or accepted standards.Consultation with the relevant decision makers. Reference to pre set criteria such as protected sites features of species. Acceptability to the local community or the general public. EVALUATION: MITIGATION: In this phase the study team formally analyses mitigation. A wide range of measures are proposed to prevent, reduce, remedy or compensate for each of the adverse impacts evaluated as significant. Possible mitigation measures include: 1- Changing project sites, routes, processes, raw materials, operating method s, disposal methods, disposal routes or locations, timing or engineering designs. – Introducing pollution controls, waste treatment monitoring, phased implementation, landscaping, personal training, special social services or public education. 3- Offering (as compensation) restoration of damaged resources, money to affected persons , concessions on other issues, or off site programmes to enhance some other aspects of the environment or quality of life for the community. All mitigation measures cost something and this cost must be quantified too.These various measures are then compared, trade-offs between alternative measures are weighed, and the EIA study team proposes one or more action plans, usually combining a number of measures. The action plan may include technical control measures, an integrated management scheme (for a major project) monitoring, contingency plans, operating practices, project scheduling, or even joint management (with affected groups). The study team should explicitly analyze the implications of adopting different alternatives, to help make the choices clearer for the decision makers. Several analytical techniques are available for this purpose as given below: 1- Cost benefit analysis in which all quantifiable factors are converted to monetary values , and actions are assessed for their effect on project costs and benefits 2- Explaining what course of action would follow from various broad ‘value judgments’(e. g. that social impacts are more important than resources) 3- A simple matrix of environmental parameters versus mitigation measures, contain brief description of the effects of each measure. – Pair wise comparisons, whereby the effects of an action are briefly compared with the effects of each of the alternative actions are briefly compared with the effects of each of the alternative actions, one pair at a time. Draw back in the Indian system: 1- Details regarding the effectiveness and implementation of mitigation measures are often not provided. 2- Often, and more so for strategic industries such as nuclear energy projected, the EMP s are kept confidential for political and administrative reasons 3- Emergency preparedness plans are not discussed in sufficient details and the information not disseminated to the communities.DOCUMENTATION: The last step in the EIA process, which answers the question – how decision makers be informed of what needs to be done? In documenting an EIA, this means identifying the key decisions makers, perceiving the question they will be asking and providing them with straight forward answers formatted for easy interpretation in relation to their decision making (e. g. tables, graphs, summary, points). Successful EIA documentation is more readily produced if the audience and their needs are established at the start of the EIA, and then made to affect how the research is focused and reported.It is the job of the study team’s communications ex pert to make this happen. An EIA report should contains: 1234An executive summary of the EIA findings. A description of the proposed development projects. The major environmental and natural resource issues that needed clarification and elaboration. The projects impacts on the environment (in comparison with a base line were identified and predicated. ). 5- A discussion of options for mitigating adverse impacts and for shaping the project to suit its proposed environment, and an analysis of the trade offs involved in choosing between alternative actions. – An over view of gaps or uncertainties in the information. 7- A summary of the EIA for the general public. 10 Once the EIA reports has been completed, the project proponent needs to submit 20 copies of the copy of executive summary of the proposed proposal containing the salient features of the project, the form XII prescribed under water rules, 1975, form I prescribed under Air rules,1983 and other information or documents to the SPCB for getting the non clearance certificate(NOC). On receiving the required documents from the project proponents it is the responsibility of the SPCB to conduct the public hearing.After completion of the public hearing the project proponents has to submit to the secretary of MOEF for the environmental clearance Draw back in the Indian system: One of the biggest concerns with the environmental clearance process is related to the quality of EIA report that are being carried out. The reports are generally incomplete and provided with false data. EIA reports ignore several aspects while carrying out assessments and significant information is found to omitted. Many EIA report are based on single season data and are not adequate to determine whether environmental clearance should be granted.All this makes the entire exercise contrary to its very intent. As things stand today, it is the responsibility of the project proponent to commission the preparation of the EIA for its proj ect. The EIA is actually funded by an agency or individual whose primary interest is to procure clearance for the project proposed. There is little chance that the final assessment presented is un biased, even if the consultant may provide an unbiased assessment that is critical of the proposed project. Some times it is found that a consultancy which is working in the project area has no specialization in the concerned subject.For example for the preparation of EIA report of the proposed oil exploration in coast of Orissa by the reliance group has been given to the life science Dept of Berhampur university which has no expertise on the study of turtles and its life cycle. The EIA document in itself is so bulky and technical, which makes it very difficult to decipher so as to aid in the decision making process. There are so many cases of fraudulent EIA studies where erroneous data has been used, same facts used for two totally different places etc.This is due to the lack of a central ized baseline data bank, where such data can be crosschecked. There is no accreditation of EIA consultants, therefore any such consultant with a track record of fraudulent cases cannot be held liable for discrepancies. It is hard to imagine any consultant after being paid lakh of rupees, preparing a report for the project proponents, indicating that the project is not viable. In nearly every case, the consultants try to interpret and tailor the information looking for ways and means to provide their clients with a report that gives them their moneys worth.ENVIRONMENTAL APPRAISAL PROCEDURE The MOEF is the nodal agency for environmental clearance. The environmental division plays a key role, but the forest and wild life divisions are consulted when projects involve diversion of forestland or the alignment of roads and highways along or within the wild life areas. The project proponents of new projects must submit an application to the secretary, ministry of Environment and Forests, Ne w Delhi in the standard Performa specified in the EIA notification. The application should be accompanied by a feasibility/ project report, including: 11 Environmental Appraisal questionnaire developed by MOEF. 2 Environment Impact Assessment Report. 3 Environment Management Plan and disaster Management plan 4 Details of public Hearing as in schedule IV of the notification (where ever necessary) 5 Rehabilitation plans (where ever necessary) 6 Forest clearance certificate (where ever necessary) 7 NOC from the state pollution control board (SPCB) The application is evaluated and assessed by the Impact Assessment Agency (IAA). The IAA may consult a committee of experts constituted by it or other body authorized by it in this regard, if necessary.The composition of the expert team is described in the box no-2 The committee has full right of entry and inspection of the site or factory premises prior to, during or after the commencement of the project . The IAA prepares a set of recommend ations based on technical assessment of documents and data , furnished by the project authorities or collected during visits to sites or factories and details of public hearing. The assessment shall be completed with in 90 days from receipt of documents and data from the project authorities and completion of public hearing and decision conveyed within 30 days there after.If granted the clearance shall be valid for a period of five years for commencement of the construction or operation of the project. Draw back in the Indian system: There are several concerns with reference to the granting of environmental clearance of projects. Firstly, for projects that require site clearance it is often assumed by project proponents that once site clearance is granted, environmental clearance will follow. As a result, many project proponents begin construction of the project components (like housing colonies, roads), even before the environmental clearance is granted.This is despite the fact that it has been specified in the EIA notification that this should not be done. At another level, when environmental clearance is granted despite public objection / rejection , the reasons for the same are not conveyed to all those who have sent in written objections and/or attended the public hearing. There are very few ways to get information regarding project clearances. For those with access to the internet, the MOEF website seems to be of some help. However, very often the information on the website is updated much after the decision is taken. 12For citizens and communities who do not have access to the internet, this information is not available. The availability of this information immediately after a decision on the clearance is taken is of crucial importance, in case it needs to be challenged before the National Environment Appellate Authority. The environmental clearance process after the public hearing appears to be a closed door secretive process as far as the public is con cerned. In cases of environmental clearance being granted, the public have no access to the rational behind which the clearance was given.All that emits from the ministry are the conditions and recommendations based on which clearance is granted which often does not address the whole gamut of concerns and issues raised during public hearing. PUBLIC HEARING PROCESS IN INDIA A fully informed public participation has been recognized as an essential element in EIA. However, it was noted that public participation was a difficult exercise particularly if it led to a conflict between government policies and the public. Public hearing is not just an administrative exercise wherein a hearing is conducted to meet the requirements of the legislations.It is a measure to disclose all the relevant information regarding a developmental project to various sections of society, which are either affected by its implementation or have interests in project. In India public hearing of development project s has been made mandatory for environmental clearance by the Amendment to the EIA Notification of April 10, 1997 (Box no-3). The salient features of the public hearings notification are as follows: Notice for public hearing: The SPCB must issue notice for environmental public hearing by publishing it in at least two newspapers circulated in the region around the project.One of the publications must be in the vernacular language of the locality concerned. The date, time and place of public hearing should be mentioned in the newspaper article. The notice must be given at least 30 days prior to the public hearing. Involvement of the public: Written suggestions, views, comments and objection by the public can be handed over to the SPCB within 30 days from the date of publication of the notice. Oral /written suggestions can be made to the SPCB during the public hearing. Who can participate?All the affected person, including residents residing in and around the project site or the site of displacement or site of alleged adverse environmental impact. It also includes environmental groups and any association of persons whether incorporated or not, likely to be affected by the project and/or functioning in the field of environment. Persons who own or have control over the project can also participate. Access to the documents: The public are entitled to have access to the executive summary containing the salient features of the project, both in English as well as the local language.They 13 are also entitled to the Environmental Impact Assessment Report. These documents can be obtained from the following places: Office of the district collector, District industry centre. Office of the zila parisad CEO of municipal corporation commissioner /local body. SPCB head office and its concerned regional office. State government department dealing with environment. Public hearing panel and its members: panel for the public hearing: The following persons may include in the SPCB rep resentative. District collector/ nominee.State government representative dealing with the project. Representative of concerned department of the state government. Not more than 3 representative of the local bodies like panchayat/ municipality. Not more than 3 senior citizens of the area nominated by the district collector. Note: According to a Gujarat high court judgment 15 the quorum for a public hearing should be at least half of the member specified i. e. three members. Also, at least the following members should present viz. The officer from the pollution control board.The officer from the Department of Environment and Forest of the state government. One of three citizens nominated by the collector. Projects exempted from public hearing Public hearing is not required for the following projects: Small scale industrial undertakings located in a) Notified or designed industrial areas/ industrial estates. b) Areas marked for industries under the jurisdiction of industrial developmen t authorities. Widening and strengthening of highways Mining projects (major minerals) with lease areas upto 25 hectares 14Units located in export processing zones and special economic zones and Modernization of existing irrigation projects. Note: off sore exploration activities beyond 10 km from the nearest inhabited village boundaries, Gothans , and ecologically sensitive areas, such as mangroves ( minimum of 1000sq. m. ), corals, coral reefs , national parks, marine parks, sanctuaries, reserve forests and breeding and spawning grounds of fish and other marine life have been proposed by the MOEF to be exempted from the public hearing )Draw back in the Indian system: A number of projects with significant environmental and social impacts have been excluded from the mandatory public hearing process. There are also concerns on how much value is given to opinions expressed during the public hearing. Most projects are located in the resource rich tribal and rural areas. Due to the inher ent social conditions in such areas, such as lack of literacy and the simple nature of Tribals, people are easily convinced and lured by the prospect of money and jobs.The local environmental and social groups face a uphill task educating the people about the true nature and impacts of the project and getting them to forcefully raise objections and issues of concern. Similarly the affected peoples are informed just few days before the stipulated date of public hearing. In many cases it is found out that the owners of the project employs antisocial peoples to suppress the voices of people during the public hearing. The local administration also supports the projects owner. The SPCB which are responsible for conducting the public hearings are not equipped in terms of manpower or infrastructure.The notification does not prescribe clear and well defined guidelines for conducting the public hearing. The bearing of the expenses involved in conducting the public hearing are not dealt with by the notification. This is another problem with no clear answers. The documents which the public are entitled to are seldom available on time. The notification prescribes a number of places where one can access these documents , but does not stipulated who is responsible for ensuring that the documents are made available at these locations.The mentioned websites are not updated. The result is that one seldom finds the documents available at the designed locations. In many cases minutes of public hearing or recommendations of the public hearing panels do not reflect the actual proceedings and objections raised. Further the recommendations of the public hearing panel are only advisory and it is not mandatory for the impact assessment agency to even consider these while granting environmental clearance to projects. 15 SOME OTHER DRAW BACKS IN THE INDIAN SYSTEMA-APPLICABILITY OF THE EIA NOTIFICATION: As it stands today, there are several projects with significant environmental impacts that are exempted from the notification either because they are not listed in schedule1, or their investments are less than what is provided for in the notification. Importantly, several projects located in zones covered by other notifications such as CRZ notification are exempted from the provisions of the EIA notification. Other projects such as defence-related road construction and railway projects are explicitly exempted from the EIA notification altogether.The amendment in EIA notification, 1994 made on 4th July 2005 in gazette no. s. o. 942(E) has provision that any expansion or modernization project of item 1,2,3,19,20,- nuclear, river valley, ports and harbors, thermal power plant and mining projects may obtain temporary working permission of max two years till it gets environmental condition. Box no-4 shows the details of the 12 amendments that has been brought up in last 11 years to dilute the EIA notification. B- MONITORING, COMPLIANCE AND INSTITUTIONAL ARRANGEMENTS. Pro jects are granted clearances based on certain conditions, which the project authorities need to comply with.These are both related to the construction phase and post construction phase of a project. For instance, conditions may be imposed on muck disposal of effluent discharge to be confined to certain areas and within specified limits. The regional offices of the MOEF are to monitor the compliance of these conditions and prepare the reports. However the local population does not even know of these conditions and are not a part of its monitoring. It is not known if project authorities reflect the true status of compliance in their reports to the MOEF. Access to these compliance reports is only subject to public interest.The lack of access to compliance reports has severe repercussions on the rights of people who were opposed to the project and for whose benefits some conditions may have been laid out for the project to follow. While monitoring compliance with conditions imposed for environmental clearance, it is found that pollution control boards have their own standards, whereas the standards under the EPA, which the MOEF and the regional offices follow, are quite different. Another problem in monitoring is the location of the regional offices and their large jurisdictions, which make it difficult for them to discharge their functions effectively.While the increased threat to the environment is matched by the enactment of an increasing amount of legislation, the responsibilities and capacities of the various agencies, including the regional offices of the MOEF, to monitor compliance has not been appropriately defined and strengthened. C- CAPACITY BUILDING: There is an urgent need to build capacities of government agencies, communities, NGOs and the judiciary with regard to the implementation of the existing EIA notification.Even in the instances where the provisions allow for peoples participation or monitoring, the lack of information and capacity are great hindrances in implementation. For instances, the public hearing panel often has no clue on the scope of 16 their role in environmental clearance process. Judiciary, which is involved in the redressal , is comprised of judges who may not be clued into the environmental issues and their interface with laws. No matter how good the provisions of the law are, their implementation hinges on the capacities of official who are meant to do it.D- REDRESSAL: The present redressal mechanism meant exclusively for the challenging environmental clearance is extremely weak and limited in its scope. The National Environmental Appellate Authority has heard only 15 cases in the last eight years. The process of seeking redressal from courts requires a fair amount of energy and financial allocation. It is not possible for all those with grievances to take on legal battles against large and powerful project proponents. RECOMMENDATIONS Independent EIA Authority: Civil society groups have suggested the ne ed for an independent Environmental Impact Assessment authority headed by a udicial officer and comprising of representatives from communities, peoples group, scientists, sociologists and environmentalists. Such body would be independent of the ministry of environment and forests. The decision of this authority would be binding on the MOEF. Sector wide EIA s needed: There is a need to conduct policy-level and sector-wide EIAs in the form of strategic impact assessments ( for various sectors including mining , power and so on). This is critical to judge the impacts of macro- economic, developmental and other policies, schemes and programmes.Conduct options Assessment: EIA s should follow only after an options assessment and a least cost plan for a project is done by the state or central government. For this the following steps are of relevance for both public and private sector projects: aIn case of projects proposed by PSU s and the state/central governments, the options assessment preceding the EIA should provide information on the best strategies to meet the need of the region, be it power , irrigation , employment or some other stated benefit.In case of private sector projects, the project proponents project justification statement should be accompanied by a mandatory project justification report prepared by the state or central governments. This project justification report would provide information assessing the need for the project and the benefits accruing from it for the state / nation and the people of the area. The options Assessment or project justification reports should also state how the proposed project fixes in to the existing developmental plans of the state or the state or the region. – c- 17 d- e- The information should be included in a computation of environmental and social costs, apart from the other projects costs such as technical and financial costs. Based on this, a set of options should be put forth from which the least expens ive and least damaging option is selected. The EIA for the projects should follow only after this options is decided. Creation of an information desk: An information dissemination desk may be assigned within the MOEF which anyone can write to regarding the status of clearance of projects.This desk should be mandated to respond within a maximum of ten days by post/ courier and a maximum of two days by email, to the contact information that has been furnished by the person seeking the information. Since all meetings and discussion are documented as electronic data, the officers should furnish this information regarding the status of clearance, with a record of the discussions in the Expert committee on the projects. Environmental Risk Assessment: New approaches such as Environmental Risk Assessment which enable more flexible and dynamic assessments of direct and indirect impacts must be explored.As part of this process, recognized Safety and Environmental Auditors must compulsorily me et local populations and submit a detailed report of potential risks due to the project. Issue a complete notification: The MOEF must issue and maintain on its website at all times a consolidated notification incorporating all the amendments till date. As of now what is available on the MOEF website is the notification updated up to 2003 and copies of subsequent amendments, which are not incorporated within the main text of the notification.In the absence of this critical document, it is difficult for implementing agencies and stakeholders in general to understand the position of the law. Following is a set of recommendations towards ensuring applicability of the environmental clearance process to all categories of projects. It can be described in different chapter wise as follows: Applicability of EIA notification: The provisions of the EIA notification, including public hearings should be applicable to all hitherto exempt categories of projects ( including large scale agriculture/ monoculture plantation projects) which have environmental impacts.As an immediate measure, it needs to be ensured that all those projects where there is likely to be a significant alternation of ecosystems like rivers, lakes, wetlands, forests , grasslands ,coastal and marine ecosystems, need to go through the process of environmental clearance, without exception. This should apply if they are likely to reduce the biodiversity of the region( both wild and cultivated) , if they are likely to affect regions that have not been 18 studied adequately for flora, fauna, or socially/ culturally fragile human communities, of if they are likely to displace people or disrupt live hoods , temporarily or permanently.No industrial or large scale developmental activity should be permitted in ecologically sensitive areas. Only developmental activities / processes which do not alter the basic ecological characteristics of such an area or do not cause destruction of the fragile ecosystems should be allowed. Separate and specific notifications issued for each of these clearly listing would help in effective implementation of this clause. Quality of EIA reports : preparation and content The focus of EIA needs to shift from utilization and exploitation of natural resources to conservation of natural resources.Many EIA reports tend to justify the need for the project, shifting the focus of the EIA from a process that provides insights in to the viability and desirability of the project, to one that finds justification for the projects and on rare occasions one that offers simplistic solutions on minimizing impacts of projects already declared important. At present EIA reports are extremely weak when it comes to assessment of biological diversity of a project area and the consequent impacts on it.This is particularly so when it comes to domesticated ( both live stock and agricultural ) biodiversity, aquatic biodiversity other than commercial fish lesser or non endangered plants and animals ( i. e. those other than mega fauna like tigers and elephant of charismatic plants like orchid species) , ecosystem benefits and services ( including supporting live hood needs of communities , essential hydrological functions , soil conservation etc), and flora- fauna inter relationships. This gap needs to be plugged through a specific guidelines and if necessary through amendments to the EIA notification.The checklist needs to include impacts on agricultural biodiversity, biodiversity related traditional knowledge and live hoods . Further, cumulative impacts of projects that are technically linked or located in the same ecological region, and impacts of the eventual closure of the project or components of the project should also be incorporated in to the checklist. Finally the list should contain details on a full exploration of alternatives , especially decentralized alternatives, to mega projects . the checklist also needs to cover various kinds of impacts resulting fro m a particular activity.Comprehensive EIA s needs to be undertaken for industries and operations working in clusters such as in zones identified for chemical industries or export oriented units. For instance, the present EIA notification states that assessments do not need to be conducted for mining up to 5 hectares, and do not need to hold public hearings for mining up to 25 hectares. How ever , it is recognized that many mining activities take place in clusters (several leases for small mining projects allowed in close proximity to each other in one geographical area) and that EIA s need to assess their cumulative impacts on the environment and biodiversity. 9 All EIA reports should clearly state what are the adverse impacts that a proposed projects will have. This should be a separate chapter and not hidden within technical details. Based upon this the EMP plan should be also be drawn which should integrate a specific set of measures , which are to identified to mitigate these im pacts with costs and time frame included .EIA should contain details of the assessment process as annexure such as 1- Full information regarding all the parties involved in assessments including sub consultants so that there is no scope for anonymity and parties can be held accountable for their findings and recommendations. 2- The terms of reference of every group/ individual involved in any aspect of the assessment process. 3- Full reference of all information sourced from secondary sources so that they can be independently verified by any one interested in doing so. – Details of the time spent and activities, number of days spent in each area, names of villages , name of interviewers should be mentioned. 5- Details of expenses incurred for various activities for preparing the EIA report, including who was paid and for what activities. The sub components or subsidiary reports of EIA reports ( e. g. Assessments of Biodiversity impacts done by a sub consultant) should be made publicly accessible as stand alone reports with the EIA. This should be available on the websites of the MOEF. EIA s should be based on full studies carried out over at least one year.Single season data on environmental parameters like biodiversity, as is being done for several rapid assessments is not adequate to gain understanding of the full impact of the proposed project. It is critical that the preparation of an EIA is completely independent of the project proponent. One option for this could be the creation of a central fund for the EIA s which contains fees deposited by project proponents while seeking that an EIA be done for their proposed project. State and central governments should maintain a list of credible, independent and competent agencies that can carry out EIA s. imilarly the EIA consultant those are making false reports should be black listed. A national level accreditation to environment consultancy should be adopted. Public hearings: The public hearing should b e held for all projects which are likely to have environmental and social impacts. This should be strictly implemented. The scope of the public hearings needs to be widened to at least those projects which require forest clearance under the forest conservation act,1980. Public hearing should be done in at least three phases or stages. 20 – The preliminary hearing may be required to explain the process of conducting the assessment so that the scope of the assessment is decided with the participation of the public. The local level NGO can also participate in this. 2- The second can be with a purpose of presenting and discussing all aspects of the assessments findings, with the help of booklets presentation in local languages. Some of the aspects can also include environmental impacts, costs and benefit of the project, displacement and rehabilitation aspects. 3- The third hearing can be held after a week but no later than a month following the second meetings.This period being i ntended to give people a chance to analyze the information and points they have at the earlier hearing. This can be primarily to record the views and objections of the people. It needs to be ensured that full information related to the EIA is provided to all the concerned citizens. For this it is critical to provide translation of the EIA and relevant documents in the local languages, to conduct the hearing process in local language and to proactively advertise the public hearing to as many people as possible. The gram panchayat office can be used for these purposes.A video recording of the proceedings could be made mandatory and the local activist should be allowed for video recording. Accountability should be built in to the public hearing procedure. The minutes of the public hearing should be compulsorily available at designed places to be specified in schedule 1 of the EIA notification. The project proponents should be asked to explain during and after the hearing as to how they propose to deal with the concerns raised at the public hearings. It should be ensured that the three representatives of the local people should have demonstrated commitment towards social and environmental concerns.The local communities, NGO s and civil society groups must be allowed a chance to place their opinions and concerns directly to the expert committee and the MOEF. Although this is partly possible since anyone is allowed to write to the MOEF after the public hearing is announced , an opportunity to make a presentation before the MOEF and the expert committee should be given to these constituencies just as it is given to project proponents and consultants . This would also help the MOEF and expert committees to understand the concerns directly from these parties rather than indirectly from the minutes of a public hearing or from a letter.MOEF should incorporate the above points and any others in to asset of guidelines on conducting public hearings to be issued to all state governments, district collectors, and other relevant agencies. 21 Grant of clearance: The notification needs to make it clear that the provision for site clearance does not imply any commitment on the part of the impact Assessment agency to grant full environmental clearance. The prior informed consent of local communities and urban wards or residents association needs to be made mandatory before the grant of environmental clearance.The consent should be from the full general body, not from the Sarpanch or the head. Minutes of the experts committees meeting and other related documents indicating the rationale for grant of clearance must be made available on request to civil society, at the concerned district head quarters and at the concerned sub divisional head quarters. The language used for specifying conditions of clearance must be clear and specific. Composition of expert committees: The present executive committees should be replaced by experts people from various stakeholder groups , who are reputed in environmental and other relevant fields.The process of selection of those committees should be open and transparent , the minutes of the committee meetings , decisions and advice by these committee should be open to public. Monitoring, compliance and institutional arrangements: The EIA notification needs to build within it an automatic withdrawal of clearance if the conditions of clearance are being violated, and introduce more stringent punishment for noncompliance. At present the EIA notification limits itself to the stage when environmental clearance is granted.The MOEF should set up more regional offices, each with smaller areas of jurisdiction, to effectively monitor the compliance of clearance conditions. It would be useful to have advisory Expert committees at the MOEF regional offices, comprising of ecologists, sociologists, local community members, government officials and representative of local institutions to help with the clearance of projec ts at the regional levels and monitoring of compliance of conditions. A robust monitoring mechanism should be established by the state department where the central projects involving forest clearance is given out.Such a monitoring body should be given powers to address compliance of both sets of clearance conditions together and to take punitive action against the project proponent in case of non compliance of any of the conditions. Local communities should be brought in to the formal monitoring and reporting process of the compliance of conditions presently done by the regional offices of the MOEF. This would help 22 the regional office as well since the geographical areas and number of project that comes under each office is vast which affects the efficiency and regularity of the monitoring process.Redressal: The scope of the National Environment Appellate Authority ( NEAA) needs to be expanded to deal with more than just challenging environmental clearance of projects. Citizen sh ould be able to access the authority for redressal of all violation of the EIA notification as well as issues relating to non-compliance. The composition of the NEAA needs to be changed to include more NGO and civil society representatives as well as as professionals from the field of environment.It may thus be necessary to increase the number of representatives that is presently allowed for the authority. The duration of the authority can be three years, after which it can be reconstituted. Capacity building: NGO s, civil society groups and local communities need to build their capacities to use the EIA notification towards better decision making on projects that can impact their local environments and live hoods. Capacities can be built to proactively and effectively use the notification rather than respond in a manner that is seen as negative or unproductive. 23 Box no -1Acts, Rules and Notifications referred while granting clearance Water The water ( prevention and control of po llution) Act,1974, The water ( prevention and control of pollution) Rules,1975 Air The Air (prevention and control of pollution) act 1981 The Air (prevention and control of pollution) Rules,1982 The Air (prevention and control of pollution) (union territories) Rules, 1983 Environmental protection The Environment ( protection) Act,1986, The Environment ( protection) Rules,1986, Environment ( siting for industrial projects) Rules,1999 Coastal stretches Declaration of coastal stretches as coastal Regulation zone (CRZ) Hazardous process and organisms The rules for the manufacture , use , import, export and storage of Hazardous micro organisims genetically engineered organisms or cells1989 The manufacture , storage and import of Hazardous chemical rules,1989 The Hazardous wastes ( management and handling)rules,1989 Dumping and disposal of fly ash discharged from coal of lignite based thermal power plants on land,1999. Noise pollution The noise pollution ( Regulation and control) ( Amendm ent) Rules, Noise pollution (Regulation and control ) Rules,2000 Wild life and forests The Indian wildlife ( protection) acts,1972 The wildlife( protection) rules,1995 Forest ( conservation),acts,1980 The Indian forest act,1927 Guidelines for diversion of forests lands for non forest purposes under the forest (conservation) act,1980 Ecologically sensitive zones Prohibiting industries in Murud- Janjra area of Raigadh district of Maharashtra, 1989. Restricting location of industries, mining and other activities in Doon valley, 1989.Dhaanu Taluka , district Thane to declare as ecologically fragile area, amended 1999 Restricting certain activities causing environmental degradation at Aravallli Range,1992. No development zone at Numalilgarh , East of Kaziranga,1996 Order constituting the Taj Trapezium zone pollution( prevention and control) authority 1998 Pachmarhi Region as an eco sensitive zone, 1998 Mahabaleswar panchgani region as an ecological sensitive region. 2001 Matheran and sur rounding region as an eco sensitive zone,2003 24 Box no-2 COMPOSITION OF THE EXPERT COMMITTEES FOR ENVIRONMENTAL IMPACT ASSESSMENT 1. *The Committees will consist of experts in the following disciplines:* (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) 2.Eco-system Management Air/Water Pollution Control Water Resource Management Flora/Fauna conservation and management Land Use Planning Social Sciences/Rehabilitation Project Appraisal Ecology Environmental Health Subject Area Specialists Representatives of NGOs/persons concerned with environmental issues. The Chairman will be an outstanding and experienced ecologist or environmentalist or technical professional with wide managerial experience in the relevant development sector. The representative of Impact Assessment Agency will act as a Member-Secretary. Chairman and Members will serve in their individual capacities except those specifically nominated as representatives. The Membership of a Committee shall not exceed 15. 3. 4. 5. 25 Box No – 3 SCHEDULE-IV (1)Process of Public Hearing: – Whoever apply for environmental clearance of projects, shall submit to the concerned StatePollution Control Board twenty sets of the following documents namely: (i) An executive summary containing the salient features of the project both in English as well as local language. (ii)Form XIII prescribed under Water (Prevention and Control of Pollution) Rules, 1975 where discharge of sewage, trade effluents, treatment of water in any form, is required. (iii)Form I prescribed under Air (Prevention and Control of Pollution) Under Territory Rules, 1983 where discharge of emissions are involved in any process, operation or industry. (iv)Any other information or document, which is necessary in the opinion of the Board for their final disposal of the application. 2)Notice of Public Hearing: (i) The State Pollution Control Board shall cause a notice for environmental public hearing which shall be published in at least two newspapers widely circulated in the region around the project, one of which shall be in the vernacular language of the locality concerned. State Pollution Control Board shall mention the date, time and place of public hearing. Suggestions, views, comments and objections of the public shall be invited within thirty days from the date of publication of the notification. (ii)All persons including bona fide residents, environmental groups and others located at the project site/sites of displacement/sites likely to be affected can participate in the public hearing. They can also make oral/written suggestions to the State Pollution Control Board.Explanation: – For the purpose of the paragraph person means: (a) Any person who is likely to be affected by the grant of environmental clearance; (b) Any person who owns or has control over the project with respect to which an application has been submitted for environmental clearance; (c) Any association of persons whether incorporat ed or not like to be affected by the project and/or functioning in the filed of environment; (d) Any local authority within any part of whose local limits is within the neighbourhood, wherein the project is proposed to be located. (3)Composition of public hearing panel: – The composition of Public Hearing Panel may consist of the following, namely: (i) Representative of State Pollution Control Board; (ii)District Collector or his nominee; (iii)Representative of State Government dealing with the subject; (iv)Representative of Department of the State Government d

What You Should Know About Nigeria

What You Should Know About Nigeria Population: 152,217,341 (July 2010 estimate)Capital: AbujaBordering Countries: Benin, Cameroon, Chad, NigerLand Area: 356,667 square miles (923,768 sq km)Coastline: 530 miles (853 km)Highest Point: Chappal Waddi at 7,936 feet (2,419 m)Nigeria is a country located in West Africa along the Atlantic Oceans Gulf of Guinea. Its land borders are with Benin to the west, Cameroon, and Chad to the east and Niger to the north. Nigerias main ethnic groups are Hausa, Igbo, and Yoruba. It is the most populous country in Africa and its economy is considered one of the fastest growing in the world. Nigeria is known for being the regional center of West Africa. History of Nigeria Nigeria has a long history that dates back as far as 9000 B.C.E. as shown in archaeological records. The earliest cities in Nigeria were the northern cities of Kano and Katsina that started around 1000 C.E. Around 1400, the Yoruba kingdom of Oyo was founded in the southwest and reach its height from the 17th to the 19th century. Around this same time, European traders began establishing ports for the slave trade to the Americas. In the 19th century, this changed to the trading of goods like palm oil and timber. In 1885, the British claimed a sphere of influence over Nigeria and in 1886, the Royal Niger Company was established. In 1900, the area became controlled by the British government and in 1914 it became the Colony and Protectorate of Nigeria. Throughout the mid-1900s and especially after World War II, the people of Nigeria began pushing for independence. In October 1960, it came when it was established as a federation of three regions with a parliamentary government. In 1963 however, Nigeria proclaimed itself a federal republic and drafted a new constitution. Throughout the 1960s, Nigerias government was unstable as it underwent several governmental overthrows; its prime minister was assassinated and was engaged in a civil war. Following the civil war, Nigeria focused on economic development and in 1977, after several more years of government instability, the country drafted a new constitution. Political corruption remained throughout the late 1970s and into the 1980s though and 1983, the Second Republic government as it came to be known was overthrown. In 1989, the Third Republic began and in the early 1990s, government corruption remained and there were several attempts to again overthrown the government. Finally, in 1995, Nigeria began to transition into a civilian rule. In 1999 a new constitution and in May of that same year, Nigeria became a democratic nation after years of political instability and military rule. Olusegun Obasanjo was the first president during this time and he worked to improve Nigerias infrastructure, the governments relationship with its people and its economy. In 2007, Obasanjo stepped down as president. Umaru YarAdua then became the president of Nigeria and he vowed to reform the countrys elections, fight its crime problems and continue working on economic growth. On May 5, 2010, YarAdua died and Goodluck Jonathan became the president of Nigeria on May 6. Government of Nigeria Nigerias government is considered a federal republic and it has a legal system based on English common law, Islamic law (in its northern states) and traditional laws. Nigerias executive branch is made up of a chief of state and a head of government- both of which are filled by the president. It also has a bicameral National Assembly consisting of the Senate and the House of Representatives. Nigerias judicial branch is made up of the Supreme Court and the Federal Court of Appeal. Nigeria is divided into 36 states and one territory for local administration. Economics and Land Use in Nigeria Although Nigeria has long had problems of political corruption and a lack of infrastructure it is rich in natural resources like oil and recently its economy has begun to grow into one of the fastest in the world. However, oil alone provides 95% of its foreign exchange earnings. Nigerias other industries include coal, tin, columbite, rubber products, wood, hides and skins, textiles, cement and other construction materials, food products, footwear, chemicals, fertilizer, printing, ceramics, and steel. Nigerias agricultural products are cocoa, peanuts, cotton, palm oil, corn, rice, sorghum, millet, cassava, yams, rubber, cattle, sheep, goats, pigs, timber, and fish. Geography and Climate of Nigeria Nigeria is a large country that has a varied topography. It is about twice the size of the U.S. state of California and is located between Benin and Cameroon. In the south, it has lowlands that climb into hills and plateaus in the central part of the country. In the southeast, there are mountains while the north consists mainly of plains. Nigerias climate also varies but the center and the south are tropical due to their locations near the equator, while the north is arid. More Facts about Nigeria Life expectancy in Nigeria is 47 years of ageEnglish is Nigerias official language but Hausa, Igbo Yoruba, Fulani, and Kanuri are others that are spoken in the countryLagos, Kano, and Ibadan are the largest cities in Nigeria References Central Intelligence Agency. (1 June 2010). CIA - The World Factbook - Nigeria. Retrieved from: https://www.cia.gov/library/publications/the-world-factbook/geos/ni.html Infoplease.com. (n.d.). Nigeria: History, Geography, Government, and Culture- Infoplease.com. Retrieved from: infoplease.com/ipa/A0107847.htmlUnited States Department of State. (12 May 2010). Nigeria. Retrieved from: state.gov/r/pa/ei/bgn/2836.htmWikipedia.com. (30 June 2010). Nigeria - Wikipedia, the Free Encyclopedia. Retrieved from: http://en.wikipedia.org/wiki/Nigeria

19 Top Scholarships for High School Seniors

19 Top Scholarships for High School Seniors SAT / ACT Prep Online Guides and Tips Aside from grants and loans, private scholarships are some of the best ways to help fund your college education. There are thousands of scholarships out there for high school seniors, all with different eligibility requirements, deadlines, and award amounts, so it's definitely worth your time to do some research. Senior year is prime crunch time when it comes to your college scholarship search. If you’re just starting the search process and need a little help getting off on the right foot, you’ve come to the right place. I’ve compiled a list of some of the best college scholarships for high school seniors based on availability and award amounts. These scholarships are generally flexible (so you’ll be able to use them at any accredited college you attend), and they also don’t have any geographical restrictions (so you’re eligible to apply no matter where you live in the US). The list is broken down into four sub-lists: scholarship competitions, merit-based scholarships, need-based scholarships, and specialty awards. Don't forget to check out the end of the article for strategies on getting the most scholarship money possible! All scholarships are competitions- to win the following scholarships, though, you'll have to go head-to-head with other students. Scholarship Competitions The following scholarships are awarded based on performance in some sort of contest. These types of scholarships can be pretty intensive, so give yourself extra time to effectively prepare if you plan on pursuing one of them. Voice of Democracy Scholarship Competition Students compete for this award by writing and recording an audio essay on a patriotic theme. The theme for the 2019-20 contest is "What Makes America Great." The first-place winner gets a grand prize of $30,000 as well as an all-expenses-paid trip to Washington, DC. The program gives out a total of $2.1 million in awards and incentives each year. Eligibility: Students in grades 9-12 Deadline: October 31, 2019 The Fountainhead Essay Contest Students compete for this award by writing an essay on one of three topics related to Ayn Rand's book The Fountainhead. The first-place winner will receive a grand prize of $10,000. Runners-up also receive awards. Each year a total of $22,500 is given out in prize money. Eligibility: Students in grades -12 Deadline: Likely late April, 2020 Atlas Shrugged Essay Contest Students compete for this award by writing an essay on one of three topics related to Ayn Rand's novel Atlas Shrugged. The first-place winner will receive a $25,000 prize. Runners-up also win prizes, and a whopping $40,000 in scholarship money is awarded annually. Eligibility: High school seniors, college students, and graduate students Deadline: September 19, 2019 American Legion National High School Oratorical Contest Are you a good public speaker, or do you just want an excuse to hone your public-speaking skills? Then this competition would be a good fit for you. Students compete for this award by preparing and performing a three- to five-minute oration on some aspect of the US Constitution. You can view this year's topics here. The first-place winner receives $18,000, second place receives $16,000, and third place receives $14,000. There are also smaller awards for state winners. In total, annual award amounts can exceed $138,000. Eligibility: US high school students under 20 years of age Deadline: Varies by state, as contests are arranged by local American Legion departments. Get more information for your state here. Create-a-Greeting Card Scholarship Contest (Gallery Collection Scholarship) This scholarship is pretty unique- and it's great for students with some untapped artistic talents! Students compete for this award by submitting a photo, piece of artwork, or computer graphic to be used on the front of a greeting card. The winner will receive $10,000, and the winner's school will also get $1,000. Eligibility: High school and college students, aged 14 or older Deadline: March 2nd, 2020 To win these scholarships, you have to show that you're tough- or at least that your brain is tough. Scholarships Based on Academic Strength The following scholarships are generally awarded based on students' academic performance in conjunction with a few other factors, such as leadership skills and commitment to community service. As a result, the most competitive applicants will be dedicated, high-achieving students who are also invested in their communities. Coca-Cola Scholars Program Coca-Cola Scholars are judged primarily on their academic performance, extracurricular activities, leadership experience, and community service. This scholarship program is fairly big: 150 awards of $20,000 each are given out every year. You can learn more about the Coca-Cola Scholarship by reading our guide to winning the award. Eligibility: Current US high school seniors who are not children or grandchildren of Coca-Cola employees Deadline: 5pm EST Thursday, October 31, 2019 Burger King Scholars Program Applicants to this scholarship are judged on their GPA, work experience, extracurricular activities, and community service. Award amounts range from those as small as $1,000 to those as large as $50,000. Eligibility: employees and their spouses/partners/children, US high school seniors Deadline: October 15-December 15, 2019 Ronald McDonald House Charities Scholarships For these, award eligibility requirements will vary based on your local Ronald McDonald House Charity chapter. For example, some have ethnic eligibility requirements. Deadlines and award amounts will also vary by location, but some of the bigger national awards can be as large as $100,000! Check out our how-to guide to learn more about getting an RMHC scholarship. Eligibility: High school seniors, but other requirements may apply depending on scholarship Deadline: Varies depending on scholarship but likely January 2020 If your family income isn't enough to cover college expenses, need-based scholarships might be a great option for you. Scholarships Based on Financial Need The following scholarships take financial need into account when choosing award recipients. For many of these programs, though, financial need is just one of many criteria considered. In other words, strong applicants will also be successful students, leaders, or community activists. For most of these applications, you'll likely have to submit documentation about your family income. Horatio Alger Scholarship Award This generous need-based scholarship is geared toward students who have faced and overcome great obstacles. To be considered eligible, your gross adjusted family income must be at or below $55,000. At the national level, there are 106 $25,000 awards; at the state level, there are scholarships for all 50 states plus the District of Columbia of $10,000 each. This one scholarship application will get you considered for many other national, state, and specialized scholarships, which means less work for you and more opportunities for scholarship funding! Eligibility: US high school seniors who plan on getting a bachelor's degree Deadline: October 25, 2019 Jackie Robinson's Foundation Scholarship Program Applicants to this need-based scholarship are judged on theirleadership skills and commitment to community service. To be considered eligible, you must identify as a minority student. As many as 60 new scholarships are awarded annually. The scholarships are four-year awards, and recipients can receive as much as $30,000 over four years. Eligibility: US minority high school seniors who plan on getting a bachelor's degree in the US Deadline: Likely February 2020 Engebretson Foundation Scholarship This need-based scholarship is pretty straightforward: it's awarded to one student each year who demonstrates not only financial need but also impressive academic performance and leadership ability. The annual award winner receives $5,000 per semester of college. Eligibility: High school seniors with financial need who plan to attend a four-year college Deadline: March 1, 2020 (note that applications must be submitted via mail) Jack Kent Cooke Foundation College Scholarship Program In addition to providing funding for college, this scholarship program offers personal advising on selecting a college, navigating the financial aid process, and transitioning from high school to college. Applicants are judged on academic ability and achievement, financial need, persistence, desire to help others, and leadership skills. Awards are given to students each year, and can be as high as $40,000 per academic year. In 2019, 121 students were accepted into the program. Eligibility: High school seniors with financial need who plan to attend a four-year college Deadline: November 13, 2019 Elk's National Foundation Most Valuable Student Competition Applicants to this need-based scholarship are judged on their scholarship and leadership abilities. In total, 500 scholarships are awarded across the country totally $2.44 million, and award amounts (over four years) range from $4,000 to $50,000. Applications must be submitted to the Elk Lodge closest to your home address, so make sure to research the Elk Lodges in your area before you apply. Eligibility: US high school seniors who plan to attend a four-year US college Deadline: November 5, 2019 at :59 PM Gates Scholarship The Gates Scholarship aims to help scholastically-outstanding minority high school seniors reach their full potential. 300 students each year receive a scholarship covering the full cost of attendance (including tuition, fees, room, board, books, and transportation) that is not already covered by other financial aid and expected family contribution. Read more about the Gates Scholarship and how to win it here. Eligibility: US minority high school seniors who are Pell-eligible (Pelligible?) and have a minimum cumulative weighted GPA of 3.3 on a 4.0 scale (or equivalent) Deadline: September 15, 2019 These next scholarships are unique- just like every student applicant! Specialty Scholarships The following scholarship programs are national awards that target students who have specific or unique interests or achievements. Whether you're the next president of the SPCA or even the USA, you should be able to find a specialty scholarship that's perfect for you! CIA Undergraduate Scholars Program This program offers more than just a scholarship- if you're selected as a winner, you'll become a part of a pretty unique internship program. Interns work at the CIA during summer breaks and also get an annual salary (with benefits) and an annual scholarship award of up to $18,000. You must demonstrate financial need to qualify. Income eligibility ceilings are $70,000 for a family of four or fewer, and $80,000 for a family of five or more. Eligibility: High school seniors Deadline: Likely spring 2020, with applications opening in early 2020 Vegetarian Resource Group Scholarship Are you a proud vegetarian? This might seem like a niche award, but the scholarship is very real! Applicants are judged on their "compassion, courage, and a strong commitment to promoting a peaceful world through a vegetarian diet/lifestyle." If you've promoted vegetarianism at school or in your community, you'll likely be a strong candidate for this scholarship. The first-place winner receives $10,000, and two runners-up each receive $5,000. Eligibility: Graduating high schoolseniors Deadline: February 20, 2020 Davidson Fellowship Scholarships Do you have an extraordinary achievement you're particularly proud of? This scholarship is for students who have completed an impressive piece of work in the fields ofscience, technology, engineering, math, literature, music, or philosophy. Scholarship requirements differ based on the type of project, with awards ranging from $10,000 to $50,000. Eligibility: US citizens or permanent residents 18 years of age and under Deadline: Likely February, 2020 AXA Achievement Scholarship This scholarship targets students who have empowered society through achievements that mitigate risk. This idea can be interpreted pretty broadly, so spend some time figuring out what risk means to you and whether you've participated in making the world a safer place through any of your activities. In 2018, more than 300 students representing all 50 states; Washington, DC; and Puerto Rico received one-time scholarships in increments of $2,500, $10,000, or $25,000, and the winners' schools will also receive $1,000 for every student who wins a scholarship. Eligibility: High school seniors who will attend college in 2020-21 Deadline: Likely late 2019 William Randolph Hearst Foundations US Senate Youth Program If you're passionate about public service, this is the scholarship for you. The Senate Youth Program targets students who participate in their high school student government and plan to study history or political science in college. Applicants are judged on their leadership skills, academic performance, community involvement, and extracurricular activities. Each winner will receive a $10,000 award in addition to an all-expenses-paid educational week in Washington, DC, in March 2020. Eligibility: High school juniors and seniors Deadline: Varies depending on state but is typically in October Higher education costs in the United States have been skyrocketing for the last 20 years, but it's still possible to get a great education without breaking the bank. Learn how you can maximize the quality of your college education while minimizing costs with our six-hour online course. Tips here, get your tips here! Making the Most of Your Scholarship Applications: 3 Key Tips If you're going to go through all the work of submitting a scholarship application, then you want to make sure you have the best chances possible of winning awards. The following three tips will help you submit the greatest number of successful scholarship applications possible. #1: Do Your Own Research As you've probably noticed, many of the above scholarships are fairly generous national awards that'll likely be quite competitive. Unfortunately, you could be a strong applicant for many of these scholarships and still not win a big award. So what's a student to do? The reality is that there are countless scholarship programs out there that might be really good fits for your interests, location, background, identity, etc. The more niche a scholarship program is, the better chances you'll have of winning an award (if you're a qualified applicant, that is). So do some research on scholarships programs that operate in your area or are offered to students with your particular interests, experiences, skills, or passions. The Ronald McDonald House Charities scholarships are a good place to start. You can also pay a visit to your guidance counselor who should have more information on local scholarships. In addition, you could branch out on your own by searching online for scholarships in your area. If you have a particular talent, skill, or interest, look for scholarships that are offered to students based on those criteria. #2: Apply Broadly Applying for scholarships- like applying to colleges- is, in part, a numbers game. You wouldn't apply to just one school if you wanted to optimize your chances of getting into a great college, would you? Many scholarship applications ask similar questions and require similar information, so if you apply to one program, you might as well apply to a bunch. It's free to apply for most scholarships anyway- all it takes is a few hours of your time. Finally, take advantage of applications that submit you for consideration for many scholarship awards, such as the Horatio Alger Scholarship mentioned above. #3: Make Note of Deadlines Scholarship applications are all over the place- there's no defined "scholarship season" for submission deadlines, but many are due before college application deadlines. As such, it's better to start your scholarship search sooner rather than later so you don't miss out on any great opportunities. The summer before your senior year is a good time to start making note of programs that you're interested in. Keep track of application deadlines by maintaining a spreadsheet that you update regularly. This is especially helpful if applications require you to ask for letters of recommendation; you can make sure to give teachers and mentors plenty of advance notice to write you a letter. What's Next? Want to get a head start on scoping out scholarships? Then check out our comprehensive guides to winning some of the most competitive national scholarships available, including the Gates Scholarship, the Coca-Cola Scholarship, the Walmart Scholarships, and the McDonald's Scholarships. Looking for scholarships with low-hassle applications? Our article on the easiest scholarships to apply for will give you a great starting list. Wondering if you can get a scholarship for something like being left-handed? Learn more about the weirdest scholarships you can win here. Need more help with your scholarship search? Read our expert guide on how to find college scholarships and the best scholarship search websites. Want to improve your SAT score by 160 points or your ACT score by 4 points? We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Haym Salomon, American Revolution Spy and Financier

Haym Salomon, American Revolution Spy and Financier Born to a Sephardic Jewish family in Poland, Haym Salomon emigrated to New York during the American Revolution. His work in support of the American Revolution- first as a spy, and later brokering loans- helped the patriots win the war. Fast Facts: Haym Salomon Also Known As: Chaim SalomonKnown For: Former spy and financial broker who worked in support of the American Revolution. Born: April 7, 1740 in Leszno, PolandDied: January 6, 1785 in Philadelphia, Pennsylvania Early Years Haym Salomon (born Chaim Salomon) was born on April 7, 1740 in Leszno, Poland. His family was part of a group of Sephardic Jews descended from Spanish and Portuguese immigrants. As a young man, Haym traveled all over Europe; like many Europeans, he spoke several languages. In 1772, Salomon left Poland, following the country’s partitioning that essentially removed its status as a sovereign nation. He decided to try his luck in the British colonies, and he emigrated to New York City. War and Espionage By the time the American Revolution broke out, Salomon had already established himself as a businessman and financial broker in New York City. At some point in the 1770s, he became involved in the patriot movement and joined the Sons of Liberty, a secret organization that fought against British taxation policies. Salomon had a supply contract with the patriot army, and at some point in 1776, he was arrested in New York by the British for espionage. Although it is not known for certain that Salomon was a spy, the British authorities seem to have thought so. However, they decided to spare him from the traditional death sentence for spies. Instead, they offered him a pardon in exchange for his linguistic services. The British officers needed translators to communicate with their Hessian soldiers, most of whom spoke no English at all. Salomon was fluent in German, so he served as an interpreter. This didn’t exactly work the way the British wanted it to, as Salomon used his translating as an opportunity to encourage as many as five hundred German soldiers to desert the British ranks. He also spent a lot of time helping patriot captives escape from British prisons. He was arrested for espionage again in 1778, and sentenced to death once more. This time, there was no offer of pardon. Salomon managed to escape, fleeing to Philadelphia with his wife and children. Although he was virtually penniless when he arrived at the rebel capital, within a short amount of time he re-established himself as a merchant and financial broker. Financing the Revolution Once he had settled comfortably in Philadelphia and his brokerage business was up and running, Salomon was appointed to the role of paymaster general for French troops fighting on behalf of the colonists. He was also engaged in selling securities that supported Dutch and French loans to the Continental Congress. In addition, he advanced funds personally to members of the Continental Congress, offering financial services below market rates. Over a three year period, Salomon’s financial contributions to George Washington and the war effort totaled well over $650,000, which translates to upwards of $18M in today’s currency. Much of this money was funneled into Washington’s accounts in the latter part of 1781. In August of 1781, British general Charles Cornwallis and his troops were penned in near Yorktown. Washington’s army had Cornwallis surrounded, but because Congress was essentially out of money, the continental troops hadn’t been paid in some time. They were also low on rations and crucial uniform components. In fact, Washington’s soldiers were close to staging a coup, and many were considering desertion as a better option than staying in Yorktown. According to legend, Washington wrote to Morris, and asked him to send Haym Salomon. Bruce Leighty / Getty Images Salomon managed to secure the $20,000 in finances that Washington needed to keep his men fighting, and ultimately, the British were defeated at Yorktown, in what would be the final major battle of the American Revolution. After the war ended, Salomon brokered numerous loans between other nations and the newly formed United States government. Final Years Sadly, Haym Salomons financial efforts during the war led to his downfall. He had loaned out hundreds of thousands of dollars during the Revolution, and because of the unstable economy in the colonies, most private borrowers (and even government entities) were unable to repay their loans. In 1784, his family was nearly penniless. Salomon died on January 8, 1785 at the age of 44 from complications from tuberculosis, which he had contracted while in prison. He was buried at his synagogue, Mikveh Israel, in Philadelphia. In the 1800s, his descendants unsuccessfully petitioned Congress for compensation. However, in 1893, Congress decreed that a gold medal be struck in Salomons honor. In 1941, the City of Chicago erected a statue featuring George Washington flanked by Morris and Salomon. Sources Blythe, Bob. â€Å"The American Revolution: Haym Salomon.†Ã‚  National Parks Service, U.S. Department of the Interior, www.nps.gov/revwar/about_the_revolution/haym_salomom.html.Feldberg, Michael. â€Å"Haym Salomon: Revolutionary Broker.†Ã‚  My Jewish Learning, My Jewish Learning, www.myjewishlearning.com/article/haym-salomon-revolutionary-broker/.Percoco, James. â€Å"Haym Salomon.†Ã‚  American Battlefield Trust, 7 Aug. 2018, www.battlefields.org/learn/articles/haym-salomon.Terry, Erica. â€Å"Haym Solomon: The Man Behind the Myth of the Dollars Star of David.†Ã‚  Jspace News, 12 Dec. 2016, jspacenews.com/haym-solomon-man-behind-myth-dollars-star-david/.