Beowulf literary analysis free essay sample

In Beowulf, numerous contentions emerge. I will address one specifically. this debate being over Beowulf being viewed as a Christ-like figure. What is it about him that represents a Christ-like portrayal? Given circumstance, is Beowulf seen as a Christ-like fgure, my answer is yes. By saying this, I imply that the crowd of Beowulf considered him to be a Christ-like figure. I accept the artist who composed Beowulf was Christian or had Christian convictions. I can plainly observe that the writer associated the characters in the sonnet to individuals in Gods time. Grendel for instance, was viewed as a descendent of Cain who as one of the, expelled beasts, Cains faction, whom the Creator had banned and denounced as outcasts(34-35). The equivalent was valid with Satan and the entirety of his adherents in Gods time. Grendel was frequently alluded to as God-cursed(35) and a beast out of Hell(34) in the sonnet. We will compose a custom article test on Beowulf abstract examination or on the other hand any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page At the point when Jesus took a seat at the Last Supper he gave blessings; wine and bread. In the sonnet, the rulers would give endowments too to the individuals who did amazing errands. Beowulf slaughtered to exhibit his quality and boldness to upgrade his own wonder, which was Hrothgars eminent endowments, the material insignias of that brilliance. The writer additionally makes reference to that Beowulf was aware of his compelling quality, the wonderous endowments God showered on Beowulf appeared to accept that God had an enormous impact in his life, invigorating him his and choosing the result of his fights. Beowulf appeared to accept that the entirety of his fghts were won distinctly with the assistance of God. He accepted that he was guided by God, and Holy God chose the victory(66). Beowulf watched and guided his God-sent quality and his remarkable regular powers(79). Beowulf didn't accept his own self to be Christ-like, yet realized that he was honored with quality and extraordinary forces. He believed he wouldnt have had the option to win the battles if God wasnt there helping him. The writer was no uncertainty attempting to pressure the way that God was a key factor in this sonnet. The facts confirm that it would be bizarre and impossible for a writer to be a Christian in Beowulfs time. Then again, the writer may have gotten the story some place and transformed it to fit Christian convictions, or the artist could have basically composed it in an a lot later time about Beowulfs time and Just turned the realities a piece to fit the artists convictions. Whatever the case, Beowulf, the Danes and the Geats all petitioned God. They said thanks to him for Beowulfs safe returns and fights and petitioned God for help when issues would emerge. Beowulf was a man that runs over a colossal sea to support these individuals (the Danes) he doesn't live with. He showed up with the aim to assist them with vanquishing a beast or the like however who additionally had some bind to people, that no other man had ever had the option to murder. I need to contend that Grendel was to some degree human since when he went out slaughtering people, they looked for retribution for their kin against him. When Grendel was slaughtered, his mom looked for retribution for her children passing. This was just a standard between people. It was false that a creature would look for vengeance on a human and the other way around. Beowulfs name was perceived when he showed up. The individuals had heard that he moved another man to swim the colossal waters with him. In spite of the fact that Beowulf was not first to complete the swim, he endured the longest and simultaneously had a lot of warding off tremendous whales and ocean beasts. He battled and murdered them with his blade, leaving numerous to just waste of time on the shore. As group of goliaths, and around evening time in the waves killed water beasts, endured extraordinary agony, venged a tribulation of the Weather-Geats on the individuals who experienced requested difficulty ground foes to bits(43). Just a man of incredible force and selflessness would have the option to finish such a chivalrous and far-fetched task. The Geats accepted some other man would have been gulped in the event that not by the waters itself, yet then by the ocean beasts he experienced. The ocean was not his solitary incredible accomplishment. Beowulf kept on holding the title of being Christ-like when he overcomes Grendel. Here is a goliath humanoid beast, unfit to be vanquished by any man. Grendel had killed numerous men one after another scaping any injury. Nobody man or even a military had the option to carry the goliath to rest. Not so much as a weapon had the option to bother the incomparable Grendel until Beowulf went along. Furthermore, a weapon it was not, yet Beowulfs very hand that sent Grendel to his last rest. As portrayed in the sonnet, the daring hearted man on the bed, connected towards him, the enemy with his hand; on the double in wild reaction Beowulf held onto it and sat up, inclining toward his own arm (48). Once more, just a man with Christ-like forces and selflessness would be capable and ready to hide the quality and courageous heart that Beowulf observed. The annihilation of Grendel was not normal for the test Beowulf confronted when he went to confront the Dragon. Beowulf at that point doesn't appear to have a similar quality as he did previously, and it was this penance he picked that took his life. The Dragon, dissimilar to Grendel, we know is definitely not a human by any stretch of the imagination. The Dragon was enormous and spit fire. No man, particularly in Beowulfs time, stood near getting an opportunity against the Dragon. At the point when Beowulf went to fght the Dragon it was his penance to his kin. He knew whether he kicked the bucket or not, he would be sparing the Geats and a fortune would be left for them. The equivalent was genuine when Christ yielded his life for his kin. He realized his kin would be spared and would have tranquility. His kin were not really spared, yet it was his goals to do as such. The Geats needed to go to a cruel acknowledgment that Beowulf is nevertheless Just a man. Genuine he is presently old and not youthful as he was before in his superb triumphs. With Beowulf being so a lot more established, and still the individuals hold their exclusive standards of him, we are currently brought to our subsequent debate. Should Beowulf have battled the Dragon or not? Beowulf was old, this is valid, and his trength was not as it had been the point at which he was youthful. A considerable lot of the Geats accepted he ought to have remained at home and played Lord to his kin, sending other men out to battle the Dragon. The Dragon was at that point devastating fortunes and homes, including Beowulfs. At that point the fear was made known to Beowulf, rapidly in its reality, that his own home, best of structures, had softened in flooding flares, the seat of the Geats (75). I don't accept his penance was corrupt. His expectations again were not narrow minded, however were extremely caring. I accept if Beowulf would not have gone to fght the Dragon himself, each other man would have been too apprehensive to even think about standing up to the monster. Similarly as Christ in his time was the just one ready to submit such a penance as giving his own life for other people. The Dragon could have pulverized mankind. At that point the insidious soul started to upchuck flares, consume splendid abodes; burst of fire rose, to the ghastliness of men; there the fatal thing would leave nothing alive (75). Beowulf anyway didn't decide to be such a Lord.

Ethical and Legal Implications Assurance †Myassignmenthelp.com

Question: Talk about the Ethical and Legal Implications Assurance. Answer: Presentation: The act of human services isn't constrained to the legitimate world view. In human services practice conveyance is bound to me across legitimate procedure and limits, which addresses our activities lawfully by law. Medicinal services practice has no high ground with respect to legal procedure. Legal laws have importance in the medicinal services practice. Law are rules which fill the need of precision in the general public and bring moderation. Laws and guideline effectively provide deliberateness conduct in aggregate society. Laws are a piece of a standardized, arbitration and implementation of lawfulness. Laws can start from various sources this incorporates, parliamentary laws. In many states, parliaments are the standards organs of enactment. For laws to be instituted they need to follow different procedures in the parliament to accomplish that that. Human services structure legal is as of now present to effectively ensure clinical administrations are brought into coordinated obl igation regarding the legislature. The lawful contributing elements assume key job in overseeing of the medicinal services administrations for the individuals. Human rights survey fills the need to secure the privileges of different gatherings of individuals. In UK, they ensure the principal privileges of individuals by presenting human rights show. The human rights survey process illegalises authority or people utilizing elements of open nature to act in manners that inconsistent with human rights audit except if they are under various audit process or pertinent legal arrangements which the important authority could act in an alternate manner. The human rights survey effectively ensures that administrations are given legitimately of the individuals. The open authority has the command to remember different partners for the administration of wellbeing administrations, (Baker et al., 2014). Legal Committee of Privy Council The legal advisory group of the Privy Council fill the need in regard for different activities submitted in human services. The court commission is comprised of councilors with senior administration positions, re-appraising locale for choices made in the disciplinary board of the general clinical gathering and other pertinent wellbeing related bodies including the common and criminal segments with perspective on federation nation associations. Human rights survey serves the interests of the individuals. Qualities mediated by human rights standards serve the reason for arrangement of medicinal services, the option to live, and correspondence and may more have been the reason for social insurance advancement for individuals and clinical world. The wellbeing and professionals and court commission effectively determine disciplinary activities for the staff purchased against them by people in general or any affronted party..t he council sole command is to offer disciplinary continuing for those irritated in the act of human services, (Collins, 2006). The inability commission effectively promote the privileges of debilitate individuals. Its key center territories incorporates insurance from savagery and misuse, giving equivalent instruction and psychological sickness wellbeing for the individuals and the privileges of the old towards access to Medicare, (ALRC, 2014). The security commission in New Zealand effectively serves the general population and private area. It is endowed with the assignment of ensuring data are that are pertinent. The commission principle capacities are, exploring grumbles, codes of training adherence, looking at data, guidance on protection sway appraisals, making meeting with different offices and data exposure process. Wellbeing Practitioners Disciplinary Tribunal The commission hears and releases obligations on matter of disciplinary against clinical professionals in the wellbeing division. The council serve a scope of callings in the human services. The premise of the law is on wellbeing and ability and confirmation of staff in the wellbeing area, (HPCA, 2013.) In this law, associations and individual people have the protection obligation to think about themselves and one another, influenced by the exercises done. If there should arise an occurrence of any separation procedures can be started on people who may sue for harms or criticisms utilizing the common law, because of any injury brought about by the other person,(Stroumsa, 2014). Anyway in squeezing for this procedures to proceed there is requirement for the harmed individual to show that the litigant had the sole command to take essential consideration procedure to forestall harm, and that have experienced injury a similar procedure. The casualty for this situation has the chance to give the proof he has against the paramedic , on his job of carelessness, on the other part the harm individual has the obligation to show the classification of injury got and the harmed cases to himself, which was predictable outcome to himself after the break of obligation to mind. The bearing obligation for such issues is the issue left exclusively for the courts. With perspective on all the conditions if the case and activities and measures it is sensible to respond from one another. On the off chance that the courts conclude that specific case wear have any obligation, at that point it will be programmed response of the case or it can likewise change harms expenses to mirror any mix-ups of carelessness on the part influenced individual. The gathering who is distressed can make guarantee that the casualty has truly dedicated the demonstration by creation of proof and confirmation of realities. In the event that this isn't done, the case stands no ground for standing the criminal obligation. The oppressed patient looking into the issue needs to go before the proof he has, significantly from the circled the post and utilize that as premise on building truthful evidential data. Confirmations accessible must release the weight of evidence extreme facts,(Furrow et al., 2014) Standard of verification appraisal needs to point on standard of confirmation is the degree of weight. In criminal procedures, standard of evidence is past any sensible uncertainty that may happen. Standard of verification might be settled exclusively upon evidential condition. For this situation the paramedic and the casualty have to that paramedic shared the data without his insight in a sensible uncertainty. The casualty for this situation the patient has the privileges to raise his complaints and present in court with the end goal of evidence the weights promotion hearing the evidential data he will give against the paramedic. The courts will decide the proof in any way, shape or form o question before offering any subsequent stage procedures. The patient has the weight of evidence to show how the paramedic captured the image and sent to outsider without and play guarantee for the paramedic official. On the off chance that he has the proof, which is accessible, that that the paramedic truly circled the photos, at that point he would have passed the weight of confirmation benchmarks. The weight of verification lies with the patient, as he needs to legitimize and connect viably the activities done yet paramedic staff past any proof condition. All case is based on claims that must be demonstrated. In court framework, criminal case alluded to as data prosecution and common case in which explanation is laid on articulation of case. The case issue in this issue is the paramedic official is subject to criminal procedures and the casualty has the command to advance weight of evidence and evidential weight to connect him with his activities which has made harm him, (Gostine Sridhar, 2014). South Africa Consumer Policy Framework The execution of arrangement enactment in South Africa on draft green paper on shopper strategy system in 09/02 planned for driving competiveness ands boosting buyer certainty and business greatness. In actualizing this demonstration it puts together its proof with respect to the reality customer insurance as a basic piece of present day, successful and proficient commercial center. It ascribes to certain buyers driving seriousness. The politically-sanctioned racial segregation impact in South Africa in South Africa has huge effect on shoppers; there is earnest need to advance estimations of value on utilization of products and ventures and to furnish defenseless customers with privileges of course of review. With the administration playing key, job, it lead to presentation of social and financial arrangements, for example, recreation and advancement program and the work conveyance organize as a method of relieving and changing these impacts. Key deficiencies are that they should be improved including access to customer dependent on the racial separation similarity; this can be annihilated by setting up laws that ensure balance and guarantee the execution to the last mentioned, (Rowe Moodley, 2013). The customer security Act of 2007 gives a lawful premise to ensuring the buyers through different measures, which consolidate consistence viability, purchaser enactments and code of training and implementation measures. The shopper assurance act condemns the retailers or the retailer for distorting data on products and administration is so as to get all the more procuring and net revenues. The Act gives denial to administrations which hurt the buyer. The deceptive data incorporates the accompanying, misdirecting practice, which it includes giving bogus and deceiving and tricky data on the customers. Adverts and shows which give none verifiable data, the buyer insurance act bans commitment of forceful practices like provocation or compulsion from any key segment or individual. Customer Act order has consistence systems on the most proficient method to follow it. They incorporate abstaining from participating in restrict business administrations, business administrations accessible needs to reasonable, not deluding and non obtrusive. I advocate s for reasonable term in the standard agreements and consistence with worldwide administrative bodies. Punishments forced on break of these laws incorporate indictment, arrangement, compliances sees and fixed installment takes note. Issue concerning the law has seen measures set up to cushi

Toyota Company Environmental Audit Literature review

Toyota Company Environmental Audit - Literature survey Example Right off the bat, the paper will recognize the various drivers making attention to natural harm. Furthermore, the paper will depict Toyota’s current ‘green’ arrangements alongside steady confirmations. Thirdly, the paper will talk about how viably the association has created and executed green approaches. At long last, the paper will suggest the Toyota the board on how the association can improve its advertising blend by growing further ‘green’ techniques including its items and markets. A standard research technique has been utilized for this investigation, including auxiliary data and chief sources. The speculation is that cutting edge clients give incredible accentuation on ecological security while thinking about the acquisition of cars. 2. Writing Review Evidently, outside and inward drivers power Toyota to turn out to be all the more earth focussed. The outside drivers basically incorporate government approach and enactment while cost reserve f unds, business morals, manageability, and advertising establish interior drivers. Notwithstanding, interior drivers are more grounded than outside elements in compelling the association to create and actualize improved green methodologies. The association is still in its development stage and subsequently Toyota the board endeavors to improve its corporate social duty approaches. Outside drivers While breaking down various authoritative frameworks, greater part of the national governments force severe limitations on vehicle fabricating industry as this segment is represented an eminent percent of the complete worldwide contamination. Burning of petroleum products in vehicles causes discharge of huge volumes of CO2, which is a significant green house gas adding to ozone layer exhaustion and in this manner an Earth-wide temperature boost (OECD, 2001, p.173). As Cleff et al (2004, p. 157) call attention to, the European Union has forced a lot of intense limitations on its car industry so as to advance natural manageability. The creators opine that such limitations would cultivate intensity and mechanical developments in the car area notwithstanding advancing naturally well disposed tasks (in the same place). Inner drivers Business maintainability is one of the major inward drivers which powers Toyota to give explicit consideration to natural wellbeing. As talked about before, individuals today dismiss naturally compromising items paying little mind to their boss highlights. Henceforth, car makes would be tossed out of the market in the event that they can't effectively create eco-accommodating vehicles. Clearly, Toyota likewise is constrained to adjust to new market inclines that advance ecological maintainability. Costs sparing procedures urge Toyota to turn out to be all the more earth focussed. For example, people’s developing mindfulness on electric and sun oriented vehicles may help the organization to trim down its item advancement costs. Additionall y, naturally neighborly tasks would help the organization to take out pointless fines emerging out of ecological strategy infringement. At last, such an activity may help the organization to furnish its clients with some value benefits too. As indicated by promoting blend idea, cost is one of the significant determinants of an item achievement, which likewise drives the organization to give more concentrate on natural administration (Lecture note). Business morals and advertising are other interior drivers affecting the association on the

The Importance of Star Carr Mesolithic Archaeological Site

The Importance of Star Carr Mesolithic Archeological Site Star Carr is viewed as a significant site for understanding the Mesolithic time frame. Consider why this circumstance exists and layout what elements limit the accessible proof for tracker accumulates in Britain during this period. To comprehend Star Carr, we most spot the site in setting with the bigger Mesolithic scene of Britain. Is Star Carr significant and if so why? What proof stars Carr show us of Mesolithic tracker assembles, and what does this proof propose. Alongside these inquiries we most additionally take a gander at how much proof there is for tracker assembles in Britain and what job Star Carr plays in this proof. Responding to these inquiries alongside, why there is such constrained proof in Britain for Mesolithic tracker accumulates is the thing that this paper will take a gander at. Star Carr which is situated in The Vale of Pickering, Yorkshire, picked up the status of ‘Type Site after J. G. D. Clarks unearthings which began in 1949. This status put on Star Carr was principally for the degree of natural protection, which is unmatched in some other British Mesolithic site (Hunter Ralston 2009). The conservation could be to a great extent added to the wet condition where a ton of Clarks finds were recorded from. The abundance of discovers Clark recorded at Star Carr included: a lot of stone (both worked and waste), a birch wood stage on the lakes edge and bunches of deer horn alongside other creature remains. The discovers make the significance of Star Carr undeniable albeit how postulations finds arrived and the motivation behind Star Carr is an alternate contention (Clark 1954). Star Carr is apparently the most reevaluated site in European Prehistory. The primary territories of reevaluation appear to be right off the bat and ostensibly the most significant, which season was Star Carr really involved, winter or summer? Clarks starting understanding of the proof persuaded that the site was a significant base camp involved by four or five families throughout the winter months. The absence of proof for fish, for example, pike at Star Carr which would of been available in the frigid lake Star Carr is arranged close to could conceivable show that the site was utilized throughout the winter months, as proof from Europe recommends Mesolithic pike cultivating was done throughout the mid year months. This absence of proof in addition to the positive proof of a lot of Red deer tusks, roughly 102 develop stag prongs that were recouped from the site is the thing that unequivocally recommend a winter base camp (Clark 1954). Rather than this Legge Rowley-Conway (1988) et a l propose that the capacity of Star Carr may have been progressively particular, for example, a chasing camp and not involved by an entire family or more distant family yet by five or six trackers. The second fundamental contention is by all accounts of the capacity of Star Carr. Alongside the recently referenced hypothesis by Legge Rowley-Conway, another clarification for the a lot of tusk found at Starr Carr could be that Star Carr was a specific mechanical site working the two horns for devices and treating leathers for garments. This would recommend that the tusks were brought to the site to be worked and that Starr Carr isn't the execute site. Related to this hypothesis, the recuperation of moves of birch bark, which is accepted to of been utilized as a tanning specialist would recommend it was a day camp and not as Clark suspected a winter one. The hotter temperatures would help in the tanning procedure just as making the conceals simpler to fill in as the deer would convey less fat which would should be expelled from the stows away by the trackers (Pitts 1979). This hypothesis is by all accounts a superior assessment of the proof as though the site was either a base camp involved by a family or a chasing camp it would not be outlandish to discover more proof of butcher and food arrangement. Clark reports proof for consuming of the lake side vegetation. One of the speculations for the consuming of the lake side vegetation may have been for simple access to the water for kayaks. This would implement Star Carr as a particular camp, and the completed merchandise could have been moved around the lake to other settlement destinations (Mellar Dark 1998). In the event that Clarks hypothesis on Star Carr is right this would recommend that by copying the vegetation the families at Star Carr were urging supplicate creatures near the camp to eat the new development, making them obvious objectives. The proof of a birch wood stage at the lakes edge additionally recommends a chasing stage might be for chasing rushing winged animals, and this would likewise give additional proof to Clarks hypothesis of a winter camp (Clark 1954). The significance of the stage at Star Carr isn't being referred to just the reason it was fabricated. The stage is a large portion of the proof for wooden ant iques from Mesolithic trackers in Britain (Adkins 2006). The accessibility of a supportable food source doesnt appear to be being referred to at Star Carr. The proof for: wolf, deer, pig, beaver and even hedgehog were found alongside different remains and an enormous number of flying creatures, for example, grebes, ducks, cranes and storks (Clark 1954). In spite of the fact that this proof suggests a changed and practical food source which would go to supporting Clarks hypothesis, it doesnt help with the discussion of both which months Star Carr was involved or the essential capacity of the site. Alongside these principle discusses different parts of Star Carr have additionally pulled in varying speculations. The term that Star Carr was being used, in addition to looking at the bigger settlement example of people in Mesolithic Britain and the job Star Carr plays in it, just as the all out zone of settlement for the site. The discussion has been added to since the further unearthings that were completed between 1985 to 1997. One of the most significant disclosures of this removal was to show that the occupation at Star Carr was spread over an a lot bigger zone than Clark suspected (MellarDark 1998). This proof in addition to the varying dates got from the new removal, (10,700 to 10,400 BP contrasted with Clarks unique date of 9488 give or take 350 BP) show a distinction of a thousand years, do propose that Star Carr is as yet not completely comprehended and will continue offering more conversation starters than furnishing responses. To take a gander at Star Carr as a piece of the bigger image of Mesolithic tracker assembles in Britain and look at the finds may recommend potential responses to a portion of the inquiries encompassing Star Carr. The principle issue is the constrained measure of destinations to contrast and Star Carr. One potential site is Thatcham in the Kennet Valley in Berkshire. This site might be valuable as a correlation with Star Carr as geographically the circumstances are comparable; the two locales depend on the edges of old lakes. From the scope of antiquities recuperated from Thatcham a few similitudes can be seen, red deer, wild pig alongside elk and wild feathered creature remains were completely recouped from the two destinations. A significant distinction between Star Carr and Thatcham is at Thatcham there were next to no wooden and prong ancient rarities found, particularly worked pieces with thorned focuses. This could recommend that while these destinations are comparative in date and circumstance they had various capacities (Hunter Ralston 2009). The restrictions for correlations with Star Carr add to the disarray of understanding Star Carr. In spite of the fact that there are numerous speculations with regards to why we have discovered little proof of Mesolithic tracker assembles in Britain, for example, we glancing in an inappropriate spots or the vast majority of the settlements were waterfront and the proof has been lost because of beach front disintegration, I accept by taking a gander at the indidunous clans of North America may offer another conceivable response. These tracker assemble clans have existed for quite a long time leaving practically no proof on the scene. There roaming way of life wi9th brief camps just left the incidental fire pit as proof they were ever there. The internment customs of a portion of these clans would likewise not be plainly noticeable to archeologists today. The act of incinerating the dead on rough out yields would leave minimal basic proof as the timbers were commonly wedged in the middle of rocks and not set in pits. The proof of the consuming regular disintegration of the stone s urface were the proof would of been available. In the event that tracker accumulates existed in Britain with a comparative way of life, the chance of discovering a lot if any proof other than destinations like Star Carr isn't likely. This would raise the significance of existing destinations which incorporates Star Carr in the Mesolithic scene of Britain. To close the rise of the significance of Star Carr appears in some part to be a result of the restricted proof all through Britain for any settlements of Mesolithic tracker assembles. This reality in addition to the contrasting hypotheses on Star Carr itself most spot some disarray over the significance of Star Carr in Mesolithic Britain. In the wake of saying this, there is no disarray over the significance of Star Carr as an individual site for the archeological record of Britain, yet on the off chance that Star Carr is a ‘type site we will possibly know whether more proof is found all through Britain and if there is ever an understanding over the capacity of Star Carr.

Major Banks Charged College Students Over $27 Million in Fees in 2016-17 - OppLoans

Major Banks Charged College Students Over $27 Million in Fees in 2016-17 - OppLoans Major Banks Charged College Students Over $27 Million in Fees in 2016-17 Major Banks Charged College Students Over $27 Million in Fees in 2016-17Inside Subprime: Jan 8, 2018By Aubrey Sitler  In December 2018, Politico obtained an unpublished Consumer Financial Protection Bureau (CFPB) report on college-sponsored bank accounts and financial products. The report, released after Politico filed a Freedom of Information Act request, provides an analysis of fees associated with financial products offered by 14 financial companies through formal agreements with over 500 colleges nationwide.Most notably, it provides evidence that the 1,322,000 students who used college-sponsored debit cards or other products during the 2016-17 school year paid a whopping $27.6 million in fees collectively. One major US bank allegedly charged students the highest fees of all, averaging total fees per borrower of almost $50 several times higher than those of other banks. Additionally, although they only provided about a quarter of the accounts, they reaped over half of the total f ees paid by students.The report also details differences in the nature of some of these arrangements between colleges and financial companies. That is, these banks are allowed to pay colleges for students who open accounts or use the financial products they’re promoting. Within the 457 colleges who were not paid at all by financial providers for the accounts and products they offered, there were 839,000 total active student accounts during the 2016-17 school year, and on average, students paid $11.93 in fees that year. By contrast, within the 116 colleges that were paid by financial providers, there were 482,000 total active student accounts, and those students paid an average of $36.52 in fees. These schools were paid an aggregate $16,657,800 to promote these financial products.Of course, this begs some serious ethical questions, such as whether or not revenue sharing “encourages higher-fee financial products that crowd out competition from providers of accounts for which stude nt account holders would avoid high fees and/or accounts where all student account holders overall would pay less in fees.”This report also raises concerns over whether or not colleges and banks who enter into these kinds of agreements are in violation of Department of Education’s “Cash Management” rules, which require that any financial products promoted by institutions of higher education be “not inconsistent with the best financial interests” of students and that these colleges “must document that the account fees are at or below market rates.”Although this report was never published by the CFPB, it was referenced in the resignation letter of former CFPB student loan ombudsman, Seth Frotman. In his letter, which was also obtained and published by Politico, Frotman alluded to the report’s findings and suppression as contributing to his resignation: “For example, late last year, when new evidence came to light showing that the nation’s largest banks were rippi ng off students on campuses across the country by saddling them with legally dubious fees, Bureau leadership suppressed the publication of a report prepared by Bureau staff.”For more information on  payday loans, scams, and  cash advances  and  check out our  state financial guides  including California, Florida, Illinois, Texas and more.Visit  OppLoans  on  YouTube  |  Facebook  |  Twitter  |  LinkedIn