Peer Review Using the checklist on p. 130 of the text, evaluate the first draft of one of your classmates. Upload your draft you submitted to the W4 Assignment as a file attachment and post a tactful but honest evaluation of one of the drafts your classmates posts; each student must review another student’s draft and no student may receive more than one review to ensure that every student receives one. Discuss the strengths and weaknesses you found regarding your own writing and how you plan to build upon and/or improve what you discovered. Please respond (or give advice) to at least two of your peers. FIN 3610 Assignment 10 Name_______________________ Chapters 22 and 23 Please remember that you must do your own work. Any plagiarism will result in a grade of zero for all students involved. Please use your own words even if you are using the textbook for answers. Always provide a citation when a reference is used. 1. There are several types of Homeowner policies available. Please list and briefly discuss four of these. 2. The Section I and I of the Homeowner 3 policy provide different types of coverages to an insured. For each of the following coverages, briefly describe the type of coverage provided, a. Coverage A b. Coverage B c. Coverage C d. Coverage D e. Coverage E f. Coverage F 3. Briefly describe the special limits of liability that apply to certain types of personal property. Why are these special limits used? 4. Briefly describe two duties imposed on the insured under a homeowner’s policy after a property loss occurs. 5. Explain briefly how the mortgage clause protects the insurable interest of the lending institution (mortgagee). 6. Section two provides coverage to third parties. Indicate whether the following losses are covered under Section II of the homeowner’s policy. Assume there are no special endorsements. Explain your answers. a. The named insured’s dog bites a neighbor’s child. b. A son living at home accidentally injures another player while playing softball. c. A guest slips on a waxed kitchen floor and breaks an arm. d. A neighbor’s child falls off a swing in the named insured’s yard and breaks an arm. e. The named insured accidentally falls on an icy sidewalk and breaks a leg. f. While driving to the supermarket, the named insured injures another motorist with the automobile. Pride or Propaganda 1 Pride or Propaganda CA499 Professional Strategies Rodney Hopper Grantham University G00066147 Pride or Propaganda Terrorist, extremist, villainous, heinous, atrocious, militant, are just a few words to describe those in the opposition to a certain political or ideological point of view. Patriot, citizen, hero, soldier, etc. different or are they words media use to promote a governmental idea or agenda? Imagine being on the other side of the issue from your opposition. Looking them square in the face and actually listening to their point of view and how their view point is not unlike yours in many ways. Bot.

1. Peer Review
Using the checklist on p. 130 of the text, evaluate the first draft
of one of your classmates. Upload your draft you submitted to
the W4 Assignment as a file attachment and post a tactful but
honest evaluation of one of the drafts your classmates posts;
each student must review another student’s draft and no student
may receive more than one review to ensure that every student
receives one. Discuss the strengths and weaknesses you found
regarding your own writing and how you plan to build upon
and/or improve what you discovered. Please respond (or give
advice) to at least two of your peers.
FIN 3610 Assignment 10
Name_______________________
Chapters 22 and 23
Please remember that you must do your own work. Any
plagiarism will result in a grade of zero for all students
involved. Please use your own words even if you are using the
textbook for answers. Always provide a citation when a
reference is used.
1. There are several types of Homeowner policies available.
Please list and briefly discuss four of these.
2. The Section I and I of the Homeowner 3 policy provide
different types of coverages to an insured. For each of the
following coverages, briefly describe the type of coverage
provided,
a. Coverage A
b. Coverage B
c. Coverage C
d. Coverage D
e. Coverage E

2. f. Coverage F
3. Briefly describe the special limits of liability that apply to
certain types of personal property. Why are these special limits
used?
4. Briefly describe two duties imposed on the insured under a
homeowner’s policy after a property loss occurs.
5. Explain briefly how the mortgage clause protects the
insurable interest of the lending institution (mortgagee).
6. Section two provides coverage to third parties. Indicate
whether the following losses are covered under Section II of the
homeowner’s policy. Assume there are no special endorsements.
Explain your answers.
a. The named insured’s dog bites a neighbor’s child.
b. A son living at home accidentally injures another player
while playing softball.
c. A guest slips on a waxed kitchen floor and breaks an arm.
d. A neighbor’s child falls off a swing in the named insured’s
yard and breaks an arm.
e. The named insured accidentally falls on an icy sidewalk and
breaks a leg.
f. While driving to the supermarket, the named insured injures
another motorist with the automobile.
Pride or Propaganda
1
Pride or Propaganda
CA499 Professional Strategies
Rodney Hopper
Grantham University G00066147

3. Pride or Propaganda
Terrorist, extremist, villainous, heinous, atrocious, militant, are
just a few words to describe those in the opposition to a certain
political or ideological point of view. Patriot, citizen, hero,
soldier, etc. different or are they words media use to promote a
governmental idea or agenda? Imagine being on the other side
of the issue from your opposition. Looking them square in the
face and actually listening to their point of view and how their
view point is not unlike yours in many ways. Both feel as if
they are right and the other is wrong. Both feel as if one is
destroying, effecting or infringing on the rights, beliefs or way
of life of the other? Both consider the other to be unwelcomed,
unwanted and a nuisance. Both would agree that they feel as if
they are the hero of their story and the other is the villain.
These are points that would be agreed upon, only in the
perspective of the narrative of the person telling the story. How
did they get here? To what extent made them feel as if they are
right and the other is wrong? An agenda, propaganda or material
that was used, gave them a sense of entitlement, of belonging,
and pride. Each having their rights, or liberties being infringed
and feeling it necessary to villainize the other seems to be the
only rational way. So how did we as American’s get to this
conclusion of always being the good guy? Did we just come to
this on our own collectively? Did we somehow just see all the
wrong in the world and without guidance, come to a common
goal or interest? No. We have for years been programmed,
inundated and conditioned to believe that we are, above all
others and regardless of circumstances, Right. I will attempt to
answer the question of why do most American’s feel as if our
country is always in the right and all others are in the wrong? Is
it Pride or propaganda? I will explain a brief history of how our
country was not only founded in such propaganda as well as
how that same type of information has formed our national
pride. I will explain some basic forms of programming that we
undergo daily that instills this pride. I will also explain that
even our media often spins topics in the favor of America and

4. often depicting certain types of attacks as happening more often
based on their correlation with certain separatist or “extremist”
groups.
We have been practicing the subtle art of nationalism and
promoting our cause for hundreds of years. All the way back to
the revolutionary war where we used pictures and writings to
show tyrants from across a vast sea imposing their heinous
tyranny, on us, the good people of the new world. This was to
inforce a sense of togetherness, a bond and as a means to fund
and finance a revolution (Clevelandfed.org, 2015). So as you
can see our founding fathers used such tactics because brute
force alone could not get the job done. We needed to win
people’s hearts and minds. We needed people to believe in one
common goal and we needed other countries to help us. What
better way then through illustrations and newspaper articles to
get our word out. We did then and do now still use media, social
media and other venues to finance wars, to influence our people
and others abroad to buy into a certain ideal or set of
circumstances.
So when did our nation really make an art of crafting
propaganda and use it in the way that it actually works? In
1917, George Creel wrote a letter to Woodrow Wilson
explaining the need for a committee that had the nation’s best
interest in mind. Creel was a well-known journalist who made a
name for himself by writing a book about Woodrow Wilson that
many believe helped Wilson win the election. They needed a
campaign that actually made people want to fight as well as
influence other countries to join. Journalist famous for writing
about Wilson and getting him elected. “As chairman of the
Committee on Public Information (CPI), Creel became the
mastermind behind the U.S. government’s propaganda campaign
in the Great War. For two years, he rallied the American public
to the cause of war and sold the globe a vision of America and
President Wilson’s plans for a world order. He was a

5. controversial figure in wartime Washington, but his efforts
changed the ideological landscape at home and abroad, and
many of the methods and approaches he pioneered became a
standard part of U.S. statecraft” (Cull, 2012). Hollywood even
bought in a started to make movies such as Perishing’s Crusader
and a slew of other glamorized war movies. CPI even went as
far as to block the export of films that depicted Americans in
illegal or Wild West activity and blocked showing German films
etc. As you can see this is a very effective and important aspect
of programming or influencing through propaganda. If other
countries believe you’re a bunch of wild cowboys running
through the west shooting up the place who wants any part of
that? American had an image to uphold and they were going to
keep their reputation no matter what. There were multiple
reports that Creel and this committee often had operatives and
sympathizers alike to report in a favorable way to the American
cause. I understand that all countries look out for the welfare or
image of their society but to actually change media when much
of the premise of free press and free speech is infringed all to
win a war? Seems a little hypocritical, but all justified under the
war effort.
So what types of propaganda do we have today that we use to
influence this sense of pride in our country? The Pledge of
Allegiance for example, written in 1892 by Francis Bellamy but
adopted by the United States in 1923 in a time where “Daniel
Sharp Ford, the owner of a magazine called Youth's Companion,
was on a crusade to put American flags in every school in the
country. He sensed that the U.S. needed a boost of patriotism.
Keep in mind: Not even 30 years before, the Civil War had still
been raging. National unity was a fragile concept” ("Pledge of
Allegiance," 1995). How has this creed or pledge to America
been instilled and conditioned into our fabric as to have such
strong pride and ownership of an institution. How does this
simple act or pledge influence America’s youth at an early age
to conform to the nationalist ideals? Do you think that having

6. youths, impressionable people, or even adults recite something
over and over again, everyday, influence their beliefs in that
system? Let’s inject the word God, in 1954 during the cold war,
into the creed and give the impression that God is protecting
and guiding our nation and now you’ve reached those who are
God fearing. Do you think that this simple task could steer some
or the mass majority of citizens? Do you think that the majority
of other countries practice this type of pledge? Don’t get me
wrong, people all over the world are proud of their flags, they
revere that sense of national pride by displaying it openly, but
do they get up and pledge to a nation everyday as youths?
Turns out there are multiple pledge of oaths and kids in North
Korea pledge their allegiance to their ruler. Not to say the
United States is in any way like North Korea but this
indoctrination is important to consider and how it shapes our
youths to have faith and allegiance, no matter what.
So does reporting of news and the American perspective still
happen today? Yes! According the Washington post, they give
drastically more coverage to attacks by Muslims, particularly
foreign-born Muslims — even though those are far less common
than other kinds of terrorist attacks. “In total, there were 89
attacks committed by different perpetrators in the United
States during the five-year period we examined. Between 2011
and 2015 in the United States, Muslims perpetrated 12.4 percent
of those attacks. In real numbers, the average attack with a
Muslim perpetrator is covered in 90.8 articles. Attacks with a
Muslim, foreign-born perpetrator are covered in 192.8 articles
on average. Compare this with other attacks, which received an
average of 18.1 articles. Attacks by a Muslim perpetrator get,
on average, about 4½ times more coverage. In other words,
whether intentional or not, U.S. media outlets
disproportionately emphasize the smaller number of terrorist
attacks by Muslims — leading Americans to have an
exaggerated sense of that threat.” (Lemieux, 2017) Without
getting into a complete Muslim extremist debate, the point I’m

7. making is simple. That right now, ISIS and other fundamental
extremist groups are an enemy of the state. So the desire or
need to report on them seems to be exponentially higher than
reporting on anyone or anything else that would be closely
related. If you can realize for just one second, that even though
the media wants to stay objective of its reporting it’s very much
reporting to the populous of a nation of people who are
fundamentally “patriotic” in their beliefs and therefore feel the
need to report to what they see as the biggest threat to our way
of life? So tomorrow if Mickey Mouse says or does something
irrational, and the American government deems them an enemy
that the news will shift gears to reporting anything and
everything that Mickey mouse and his pose of miscreants have
done, or will do wrong?
In conclusion I have explained why I think that our Country is
systematically predisposition to believe that we as a nation are
always in the right. Propaganda is pride in a certain sense, it is
a method by which you influence people and their actions to
follow an agenda of those who are elected. I have explained
how American has used propaganda tools over the years to
influence its own people as well as those who we would call
allies. I have explained a basic form of programming that most
Americans have received as children or still do to this day and
its direct result to how they grow up and view America and its
opposition. Most important I hope that I have shown a direct
correlation between how American’s are have such pride and
the media reports to them in such a way that they have been
handed misinformation all in the name sake of being an enemy
of the state. It is important for the reader to understand that
from every point there is a counter point. There is a different
perspective to understand and sometimes empathize with, that
no matter your view point, there is another to consider.
References
Alter, J. (2002, March 4). Truth: The Best Propaganda.

8. Newsweek, pp. Vol 139, Issue 9.
Betus, A. (2017, March 13). Yes, the media do underreport
some terrorist attacks. Just not the ones most people think of. -
The Washington Post. Retrieved from
https://www.washingtonpost.com/news/monkey-
cage/wp/2017/03/13/yes-the-media-do-underreport-some-
terrorist-attacks-just-not-the-ones-most-people-think-
of/?utm_term=.4ff9b08b18c3
Cull, N. J. (2012). Master of American Propaganda | American
Experience | Official Site | PBS. Retrieved from
http://www.pbs.org/wgbh/americanexperience/features/the-
great-war-master-of-american-propaganda/
The Pledge of Allegiance. (1995, July 4). Retrieved from
http://www.ushistory.org/documents/pledge.htm
Propaganda and Patriotism:: Federal Reserve Bank of
Cleveland. (2013). Retrieved from
https://www.clevelandfed.org/warbonds/index.html
Snow, N. (2008). Us Propaganda. American Thought and
Culture in the 21st Century, 97-110.
doi:10.3366/edinburgh/9780748626014.003.0007
Lemieux. (2017, March 13). Yes, the media do underreport
some terrorist attacks. Just not the ones most people think of. -
The Washington Post. Retrieved from
https://www.washingtonpost.com/news/monkey-
cage/wp/2017/03/13/yes-the-media-do-underreport-some-
terrorist-attacks-just-not-the-ones-most-people-think-
of/?utm_term=.4ff9b08b18c3