Aviation insurance Essays

Aviation insurance Essays Aviation insurance Essay Aviation insurance Essay Words fall short to express my deep sense of gratitude towards them all, who have imparted their valuable time, energy and intellect towards the beautification of my project. I express my sincere gratitude to our principal our coordinator for their continuous support and encouragement. I extend my sincere gratitude to PROOF. PROHIBIT JITTERS my guide for guiding me throughout the project and for helping me whenever required. I also thank my collage library for also thank My God, My parents and My friends for their contribution towards the project. Objective of the project This project has been undertaken with following objectives in mind: To understand the Insurance Sector in India, its nature functioning. To understand the concept of Aviation Insurance. To comprehend the impacts of the new norms on the functioning of the Insurance sector in India. To understand how these norms are put to practice. This involves understanding of the coalition of input data, the process of data sorting, computing according to the norms, assessing different stress scenarios and the final output of such computations. It also involves close observation of the problems faced in implementation. To draw a parallel of this situation to the Insurance industry as whole. RESEARCH METHODOLOGY Research always starts with a question or a problem. Its purpose is to question through the application of the scientific method. It is a systematic and intensive study directed towards a more complete knowledge of the subject studied. There are two types of data collection method use in my project report. Primary data For my project, I decided on primary data collection method for observing Aviation Insurance Company. For this information I visited to the Reliance General Insurance. Asked the questions to sales manager about the aviation insurance. Secondary data I decided on Secondary data collection method was used by referring to various websites, books, magazines, Journals and daily newspapers for collecting information regarding project under study. Executive Summary Aviation Insurance was first introduced in the early years of the 20th Century. The first aviation insurance policy was written by Loads of London in 1911. The company at an air meet caused losses on many of those first policies. Insurance is one of the most popular in business today since they characterized the new economy acceptance of country boundaries. The purpose of these study the valuation process approaches in aviation by analyzing the insurance corporation case base upon the valuation this report will identify the why aviation insurance is needed. This report the Indian Insurance sector, History of insurance in India, History of Aviation Insurance, products features of Aviation Insurance, Effects Of 9/1 1 Attack On Aviation Insurance INDEX SIR. NO CHAPTER History Of Insurance 9_15 2. Origin Development Of Insurance 16-21 3. History Of Aviation Insurance 22-27 4. Products Of Aviation Insurance 28-37 5. Future of aviation insurance 38-49 6. Case Study 50-58 7. Conclusion Bibliography Aviation Insurance CHAPTER 1 HISTORY OF INSURANCE 1. 1 Introduction Humans have always sought security. This quest for security was an important motivating force in the earliest formations of families, tribes, and other groups. The groups have been the primary source of both emotional and physical security since the beginning of humankind. Humans today continue their quest o achieve security and reduce uncertainty. We still rely on groups for financial stability. With industrialization our physical and economic security has diminished. Mankind is exposed to many serious hazards, which cause stoppage of income. The biggest worry any human being has is the economic worry. He is always thinking of tomorrow and the days to come and he will be planning to meet the demands of his family, his business and that of his own needs. The economic worries may arise due to stoppage of income. Our income dependent, wealth- acquiring lifestyle renders us and our families more vulnerable to environmental and social changes over which we have no control. There may be accidents, sickness disability, or due to premature death of the readiness. It is impossible to prevent such calamities. But it is always possible to provide against the loss of income that may result out of such these perils. Risk is defined as uncertainty of financial loss. If the event were certain to happen, then there be no loss if the event were certain not to happen, then also there is no loss. It is the uncertainty about the time of loss that worries the mankind. Insurance in India The insurance sector in India has come a full circle from being an open competitive market to nationalization and back to a liberalized market again. Tracing the developments in the Indian insurance sector reveals the 360 degree turn witnessed over a period of almost two centuries. 1. 2 An Overview of Insurance Industry Insurance has a long history in India. Life Insurance in its current form was introduced in 1818 when Oriental Life Insurance Company began its operations in Triton Insurance company set up its base in Kola. History of Insurance in India can be broadly bifurcated into three areas: a) Pre Nationalization b) Nationalization and c) Post Nationalization. Life Insurance was the first to nationalize in 1956. Life Insurance Corporation of India was formed by consolidating the operations of various insurance companies. General Insurance followed suit and was nationalized in 1973. General Insurance Corporation of India was set up as the controlling body with New India, United India, National and Oriental as its subsidiaries. The process of opening up the insurance sector was initiated against the background of Economic Reform process which commenced from 1991. For this purpose Malory Committee was formed during this year who submitted their report in 1994 and Insurance Regulatory Development Act (ERDA) was passed in 1999. Resultantly Indian Insurance was opened for private impasses and Private Insurance Company effectively started operations from 2001. 1. 3 Global Standards While the world is eyeing India for growth and expansion, Indian companies are becoming increasingly world class. Take the case of LICK, which has set its sight on becoming a major global player following an Rests-core investment from the Indian government. The company now operates in Mauritius, Fiji, the I-J, Sir Lankan, and Nepal and will soon start operations in Saudi Arabia. It also plans to venture into the African and Asia-Pacific regions in 2006. The year 2005 was a testing phase for the mineral insurance industry with a series of catastrophes hitting the Indian sub- continent. However, with robust reinsurance programmers in place, insurers have successfully managed to tide over the crisis without any adverse impact on their balance sheets. With life insurance premiums being Just 2. 5% of GAP and general insurance premiums being 0. 65% of GAP, the opportunities in the Indian market place is immense. The next five years will be challenging but those that can build scale and market share will survive and prosper. 1. REGULATORY ACTS A number of acts govern the insurance sector The Insurance Act, 1938 The Insurance Act, 1938 was the first legislation governing all forms of insurance to provide strict state control over insurance business. General Insurance Business (Nationalization) Act, 1972 The General Insurance Business (Nationalization) Act 1972 was enacted to nationalize the 100 odd general insurance companies and subsequent ly merging them into four companies. All the companies were amalgamated into National Insurance, New India Assurance, Oriental Insurance, and United India Insurance. Insurance Regulatory and Development Authority Act, 1999 Till 1999, there were not any private insurance companies in Indian insurance sector. The Gobo. Of India then introduced the Insurance Regulatory and Development Authority Act in 1999, thereby De-regulating the insurance sector and allowing and capped at 26% holding in the Indian insurance companies. 1. 5 Regulations for Indian Insurers To protect the interests of holder of insurance policy and to regulate, promote and ensure orderly growth of the insurance industry Insurance Regulatory and Development Authority (ERDA) was established. Under the new dispensation Indian insurance companies in private sector were permitted to operate in India with he following conditions: Company is formed and registered under the Companies Act, 1956. The aggregate holdings of equity shares by a foreign company, either by itself or through its subsidiary companies or its nominees, do not exceed 26%, paid up equity capital of such Indian insurance company. The Companys sole purpose is to carry on life insurance business or general insurance business or reinsurance business. The minimum paid up equity capital for life or general insurance business is crossers. The minimum paid up equity capital for carrying on reinsurance business has been prescribed as crossers. . 6 Role Functions of ERDA: Section 14 of ERDA Act, 1999 lays down the duties, powers and functions of ERDA. Subject to the provisions of this Act and any other law for the time being in force, the Authority shall have the duty to regulate, promote and ensure orderly growth of the insurance business and re-insurance business. Without prejudice to the generality of the provisions contained in sub-section (1), the powers and functions of the Authority shall include. Issue to the applicant a certificate of registration, renews, modify, withdraw, suspend or cancel such registration. Protection of the interests of the policy holders in matters concerning assigning of policy, nomination by policy holders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance. Specifying requisite qualifications, code of conduct and practical training for intermediary or insurance intermediaries and agents. Specifying the code of conduct for surveyors and loss assessors. Promoting efficiency in the conduct of insurance business. Promoting and regulating professional organizations connected with the insurance and re-insurance business. Levying fees and other charges for carrying out the purposes of this Act. 1. 7 Functions of Insurance The function of insurance is to safeguard against such misfortunes by having contributions of the many pay for the losses of the unfortunate few. This is the essence of insurance- the sharing of losses and, in the process, the substitution of certain, small loss called the premium for an uncertain, large loss. From an economic perspective, insurance is a financial intermediation function by which individuals exposed to a specified contingency each contribute to a pool from which overfed events suffered by participating individuals are paid. Insurance then is a is an agreement, the insurance policy or insurance contract, by which one party, the policy owner, pays a stipulated consideration called the premium to the other party called the insurer, in return for which the insurer agrees to pay a defined amount of provide a defined service if a covered event occurs during the policy term. The person whose life, health or property is the object of the insurance policy is referred to as the insured. Insurance provides certainty of payment of sum assured at the happening of the event. Since no one can predict the happening of the event in advance, it is not possible to compensate against the loss There is an uncertainty about the time of the event happening. We will not be also sure about the quantum of loss. Provides Assistance to Business Large capital investments on buildings and machinery can be protected against loss by Insurance. The cost of Insurance will be very small compared to the total loss. Provides financial stability to commerce and industry When material damage takes place due to peril, there will be stoppage in production resulting in reduction in profit. Loss of profit Insurance can take care of the loss in net profits in addition to loss of machinery. Insurance serves as a basis of credit Industry and commerce approach banks and financial institutions for financial assistance to develop their business. A collateral security may be necessary to secure against the finance advanced. Insurance policies can provide against such advances. Insurance plays a role in reduction of losses. Insurance companies render advice as to how losses can be minimized by using various safety measures because of their experience. Insurance provides fund for investment The Insurer will have huge funds collected from Insured by way of premiums. These funds are not kept idle, but invested in nation building activities. Insurance earns foreign exchange Indian Insurance companies have branches in different countries, where large volume of business is transacted. This will fetch huge amount in foreign currency. 1. Nature of Insurance Sharing Of Risk Insurance is a social devise to share the financial loss, which may befall individuals due to many events. Whereas it is not possible to share deaths, accidents or sickness, it is always possible to share the economic losses, which come out of Hess events. All persons who are exposed to similar risks come together and share the loss. Co-operat ive Endeavourer In every type of Insurance, large number of persons are brought together to share the loss. They have a common goal biz. , to plan the economic future. Such people come together voluntarily or through publicity or through soliciting. It is the Insurer who compensates the loss of few from the contributions received from many. Value of risk The risk or financial loss is measured in terms of money before insuring. This is done by means of past experience of the Insurer. This will enable him to collect the cost of Insurance in adequate measure. Payment at contingency insured. It may be premature death or end of the term in Life Insurance. In non-life, it may be the happening of the event. Amount of payment In Life Insurance the amount is fixed at the beginning of the contract and full amount is paid at death or end of term. But in other types of Insurance the amount of loss only is paid. CHAPTER 2 Origin and Development of Insurance 2. 1 Introduction Insurance in the modern form originated in the Mediterranean during 14th century. The earliest references to insurance have been found in Babylonian, he Greeks and the Romans. The use of insurance appeared in the account of North Italian merchant banks who then dominated the international trade in Europe at that time. Marine insurance is the oldest form of insurance followed by life insurance and fire insurance. The patterns that have been used in England followed in other countries also in these kinds of insurance. The origin and growth of Marine Insurance, life Insurance, Fire Insurance and miscellaneous insurance are given below: 1. Marine Insurance The oldest and the earliest records of marine policy relates to a Mediterranean voyage in 1347. In the year 1400, a book written by a merchant of Florence, indicates premium rates charged for the shipments by sea from London to Pisa. Marine Insurance spread from Italy to trading routes in other countries of Europe. Marine Insurance in India There is evidence that marine insurance was practiced in India some three thousand years ago. In earlier days travelers by sea and land were exposed to risk of losing their vessels and merchandise because of piracy on the open seas. Moreland has maintained that the practice of insurance was quite common during the rule of Kafka to Rearrange, but the nature and coverage f insurance in this period is not well known. It was the British, insurers who introduced general insurance in India, in its modern form. The Bruisers opened general insurance in India around the year 1700. The first company, known as the Sun Insurance Office Ltd. Was set up in Calcutta in the year 1710. This followed by several insurance companies of different parts of the world, in the field of marine insurance. In 1972, the government of India nationalized the general insurance business by forming GIG. 2. Life Insurance The early developments of life insurance were closely linked with that of urine insurance. The first insurers of life were the marine insurance underwriters who started issuing life insurance policies on the life of master and crew of the ship, and the merchants. The early insurance contracts took the nature of policies for a short period only. The underwriters issued annuities and pension for a fixed period or for life to provide relief to widows on the death of life of William Gibbons for a period of 12 months. Life Insurance in India The British companies started life insurance business in India, by issuing policies exclusively on the lives of European soldiers and civilians. They sometimes issued policies on the lives of Indians by charging extra. Different insurance companies like Bombay Insurance Company LTD. 1793) and Oriental Life Assurance Company (1818) was formed to issue life assurance policies in India. Gradually, the first Indian Company named as Bombay Mutual Life Insurance Society Ltd. Was formed in DCE. 1870. By 1971, the total numbers of companies working in India were 15, out of which 7 were Indian and the remaining were British companies. After several changes have been made for the period from 1930 to 1938, the Government of India passed Insurance Act, 1938. The act still applies to all kinds of insurance business by instituting necessary amendments from time to time. . Fire Insurance Fire insurance has its origin in Germany where it was introduced in municipalities for providing compensation to owners of the property, in return for an annual contribution, based on the rent of those premises. The fire insurance in its present form started after the most disastrous fire in human history known as the Great Fire in London, which had destroyed several buildings. It drew the attention of the public and the first fire insurance commercially transacted in 1667. The Industrial Revolution (1720-1850) gave much impetus to fire insurance. The Nineteenth century marked the development of fire insurance. Fire Insurance in India In India, fire insurance was started during the British regime. The oldest of these companies include the Sun Insurance Office, Calcutta (1710), London Assurance and Royal Exchange Assurance (1720), Phoenix Assurance Company (1782), etc. 4. Miscellaneous Insurance Due to the increasing demands of the time, different forms of insurance have been developed. Industrial Revolution of 19th century had facilitated the placement of accidental insurance, theft and didactic, fidelity insurance, etc. In 20th century, many types of social insurance started operating, biz. , unemployment insurance, crop insurance, cattle insurance, etc. This way the business of insurance developed simultaneously with human and social development. Today, the use of computers in the field of insurance is frequently increasing. Insurance becomes an inseparable part of human development. Miscellaneous insurance are of many types like: Health Insurance All-risks Insurance Consequential Loss Insurance General Public Liability Insurance Burglary Insurance Golf Insurance Money Insurance Fidelity Guarantee Insurance Workmen Compensation Insurance Aviation Insurance which is again a type of miscellaneous insurance, concentrating on each and every aspect of aviation insurance and how it has affected the service sector in recent times. Aviation is the most expensive industry means of transport today. This sector gained importance and created awareness after the 9/1 1 attack on the twin towers of America. After this attack lot of changes took place in the aviation sector and also lot of amendments were made by the law to regulate the aviation insurance contracts. So let us see what these changes are and how aviation insurance forms one of the important part of any countrys insurance sector. 2. 2 Effects of 9/1 1 Attack on Aviation Insurance Following the September 1 1 the attack in the United States, the subject of aviation insurance attracted much attention in the media and elsewhere after aviation insurers worldwide withdrew cover for the specific acts of war and terrorism. As a result, many national governments stepped in to provide temporary insurance cover to ensure that airlines continued flying. Short to medium term solutions At the request of the airline industry the International Civil Aviation Organization established a special group on war risk insurance (SWIG) which, as a short and medium term measure recommended the setting up of an international mechanism funded by insurance premiums to provide no concealable third-party aviation war risk coverage through a non-profit special purpose insurance entity (GLOBAL TIME) with multilateral government backing for the initial years. As a long-term solution the SWIG recommended that an international convention be developed which would limit the third-party liability of he aviation industry for losses arising from war, hijacking and allied perils. Uncertainty ahead? Some four years on from 9/11, most governments have withdrawn guarantees for hull and over to airlines and airport service providers. Notable exceptions include the United States, China and Singapore. The market has now responded with certain insurers offering major airlines limited no concealable third party coverage. Enthusiasm for GLOBAL TIME has waned and a new convention on damage caused to third parties on the ground has yet to be agreed. In Asia at least, the airline industry has experienced a dramatic turnaround in retunes with renewed prosperity. However, as with other classes of catastrophe business, there remain underlying uncertainties in the aviation insurance market that could dramatically change the environment. Convention and statutory limits The Montreal Convention 1999, which governs the liability of airlines in relation to passengers and cargo interests, requires airlines to obtain adequate insurance to cover their liabilities under the Convention. In addition, airlines are required by many states to have minimum insurance limits to cover such liabilities including third party surface damage. After the September 1 1, 2001,

Psychological disorders and how they affect every day life Essay

Psychological disorders and how they affect every day life - Essay Example Bipolar disorder mainly affects those in the adult stage of life and it lasts a lifetime and very few cases of Bipolar disorder have been reported in childhood. Bipolar disorders are characterized by extreme mood changes that cause patients to exhibit inconsistent moods and feelings. The condition, if not well managed, can be a cause for stress and agony for both the victim and the family members who are affected indirectly or directly by the sharp mood fluctuations of their loved ones as a result of the Bipolar disorder. While the manic state leads to dangerous behavior, the depressive state for Bipolar disorder can result into suicide. This paper further looks at incidences of misdiagnosis, as well as the available treatments for the Bipolar disorder. Bipolar disorders are manifested in various forms such as suffering from mania state as well as depressions state which interrupts the patient's normal way of life such as sleeping, eating, studies for students, as well as many other parts of life such as relationship in marriage given that such mood swings affects how couples, partners and spouses communicate with one another (Soares, & Mann, 1997.26-76). The seriousness of the Bipolar disorder is such that it can result into a sense of hyperactivity in an individual whereby a patient, full of energy gets easily excited and energized to such high levels that they may get involved in uncontrollable behavior (American Psychiatric Association, 1994). The fact that Bipolar disorder is hard to predict, control due to sudden mood changes makes its diagnosis a hard task, something that has resulted into misdiagnosis in the past (American Psychiatric Association, 1994.43-59). Bipolar disorder is known to be caused by a wide range of factors all tied to genetics or environment and are linked to the brain (Soares, & Mann, 1997.54-74). Soares, and Mann, (1997.61-74) further notes that, biological factors such as imbalance of neurotransmitters, triggers such as; unexpected or major life events are possible causes of Bipolar disorder although research in this area is ongoing and new evidence can come up in the next few years. The Bipolar disorder consists of the following episodes according to (Hyman, & Rudorfer, 2000.78-125) - depression, mania, hypomania as well as mixed moods. Depression mood episode refers to a situation whereby the Bipolar disorder patient experiences long durations of sadness, laziness that makes the bipolar patient to experience unusually difficulties in waking up and/or taking meals. Mania mood episode results into hyperactivity characterized by risky behavior which can cause harm to those around the patient. Hypomania mood episode exhibits symptoms similar to those of mania, although Hypomania symptoms are less severe. Hypomania is characterized by false 'good' feeling although this can sometimes degenerate into other mood episodes such as depression and mania, which can lead the patient into engaging in the risky behavior characteristic to mania episodes. Mixed mood episode is the condition whereby, the patient experiences symptoms of mania and depression in a single day, something which means that the bipolar patient can be overwhelmed by the mood changes. In addition, Bipolar disorder is a condition that lasts a whole life time and therefore the better it is managed, the more the quality of life a patient is exposed to. Also proper medication are preferred and recommended

College Controversial Essay Topics - Writing the Essay Youve Always Wanted

College Controversial Essay Topics - Writing the Essay You've Always WantedIf you are about to write a college controversial essay topic, you should know that it is very important. Your essay is not just an important part of your entire degree, but is the one thing that will determine whether or not you get accepted for the program you want to go to. Therefore, it's important that you give it the proper attention and writing that it deserves.Before even starting your college critical essay topics, it is important that you think about how your topic will affect the other students in the class. If you're writing a history paper, then there is no doubt that the student in the back of the class might start to feel that he or she doesn't have a voice in the class. If you use your essay to support their point of view, then you might upset the other students in the class.If you write about race relations in the United States, then you might upset a few students who aren't particularly race conscious. So how do you make sure that your essay topic does not upset other students?Since this is what your college essay topics are going to be about, it's crucial that you make sure that you go over each of your topic ideas and decide whether or not you can support it. One way to do this is to write down your personal opinions and then let the other students in the class to hear those opinions.While you might find it difficult to talk about yourself in a classroom, remember that writing about your opinion about a particular subject will help you make sure that you are writing a good persuasive essay topic. And if the topic is controversial, that can only help you to show the other students why you should get into your college program.One way to make sure that your controversial essay topics do not offend the students in the class is to read the other essays in the class. This will help you see if there are topics that you might disagree with and you can either leave out the par ts that are your personal opinion or write them into the article.While writing your college controversial essay topics, you have to make sure that you are writing from a place of opinion. You can't do that if you're just doing it because you want to get into college.

Marketing Communications Plan Research Paper Example | Topics and Well Written Essays - 4750 words

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Unanswered Questions About College Prowler 2 000 No Essay Scholarship Application

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Top Guide of Human Impact on the Environment Essay Topics

Top Guide of Human Impact on the Environment Essay Topics Understanding Human Impact on the Environment Essay Topics There's no distinct book to prepare rather apply your GS knowledge to compose a thorough essay. There's need to understand how long you should pay for each question from the different section. Some people might believe that the fantastic content might be written on any topic and the paper success is dependent just on the mastery of the writer. One of the most typical essay topics is the matter of environmental pollution. Life is about information processing and the ability to reproduce without relinquishing complexity. Wasting documents ought to be discouraged everyplace. Time for Change Humans play a critical part in nature much like everything else. The deficiency of planning can be quite damageable for the travel market. For instance, when manufacturing an item, you want to appear at the environmental effect of the merchandise entire lifecycle, from development to disposal before finalizing your designs. There's a finite quantity of available organic resources for our use and just so much land we can inhabit. The advantages of social media are extremely tricky to ignore. All About Human Impact on the Environment Essay Topics Quite simply, if everything is natural, we should develop some much better metric for guiding our actions vis-a-vis sustainability and the remainder. The true trouble is simply in the time it ought to regenerate. The reality is that now more than ever we've got the ability to ascertain our fate as a species. To begin with, the notion of friends was once very easy. Hammerhead sharks aren't the only ones targeted though. It is vital to produce sustainable food choices. Humans are unique in that respect, that is the origin of the issue. It is vital to explore the many different forms of pollution and all probable methods of their prevention to be able to make our planet a safe location for the rise and development of all living things. Before social media, you could get an opinion but you may only tell a few individuals near you, and now, the story differs. Therefore, the topic needs to be debatable! These topics are dynamic and static. Like there is just 1012 topic which could be asked for 16 Marks. Introduction Human health is understood to be the state of well-being with respect to the mental, physical and societal facets of the human condition. Social networking is now utilized in nearly every portion of our lives. Business ethics is usually connected with doing the proper thing, which is ultimately good in the event of ethical decisions. Technology will be a significant part of the solution. Further, it impacts the health leading to respiratory diseases, cancers and other difficulties. Thus, air pollution is just one of the contributors to the international warming. Learn about the big polluters in your region to defend the air and water where you reside. There's the same quantity of water now on Earth as when it was initially created. Furthermore, the consequences of carbon emission are not just restricted to the atmosphere, but it contributes to other health hazards. The contamination of the living environment contributes to the deaths of the whole organic ecosystems. Global warming is just one of the biggest threats to our environment. The ocean's ecosystem will likewise be investigated in connection to the diminishing shark population. In general, the idea of emotional intelligence doesn't have a generally accepted definition. Though a change in attitudes would demand a comprehensive overhaul of our present economic and political structures, it's something that has to be accomplished. It is difficult to believe but true that only a tiny positive movements by everyone may bring a massive shift in the declining atmosphere. The changes we're instilling on the pure world are occurring at an unprecedented speed, which then affects us as well. All the evolution of the infrastructure has the only goal to earn places for human living more comfortable. The remarkable development of technological progress has negative effect on the ecological state of our planet. All the stairss of the developments want to get planned sing their possible bad influence on the surroundings. At precisely the same time, technology magnifies our collective effect on Earth. Getting the Best Human Impact on the Environment Essay Topics Environment is also sometimes known as habitat. Water is among the best natural resources of the entire humanity. Water pollution is just one of the pivotal problems nowadays. Pollution is a procedure of contaminating the surroundings in a manner it will become unsafe to use. Environmental pollution happens when pollutants contaminate the organic surroundings. It refers to the introduction of harmful pollutants into the environment. It is one of the main threats for our planet.

Mel Brooks as Jewish Comedian Essay Example for Free

Mel Brooks as Jewish Comedian Essay Mel Brookss membership in the elite club of Jewish comedians is essentially impossible to dispute. The question is whether or not his comedy is atypical. Satirizing Jewish history and klutzy old Jewish men is normal for Jewish comedy. However, Dont be stupid, be a smarty, come and join the Nazi party, is something that you would not expect to hear in typical Jewish comedy (The Producers). Defined broadly, there are two forms which Mel Brookss Jewish humor takes. The first form is to discuss specifically Jewish topics in a funny way. This is evident in The Producers and in the Inquisition scene from History of the World, Part I. The other form is to use certain aspects of Judaism for comedic value. This form, is typically used by Brooks as a means for a quick laugh as opposed to a major source of plot definition, and is most apparent in such scenes as that with the Yiddish-speaking Indian in Blazing Saddles. While exploring Brookss types of Jewish humor, this paper will limit its scope. Only four of Brookss films will be discussed in this paper-The Producers, Blazing Saddles, History of the World, Part I, and To Be or Not To Be. These films were chosen because the quantity of Jewish content in all of them is considerably more than in his other films such as Young Frankenstein or Silent Movie. The four films chosen do an excellent job of portraying the complete range of the types of Jewish-related humor, which Brooks uses. To understand Mel Brooks identity as a specifically Jewish comedian it is important to understand how Jewish he actually was. Melvin Kaminsky was born as the youngest of four brothers in a crowded New York City apartment to Kitty and Max Kaminsky. He grew up in a very Jewish area were on Saturdays, the shops were closed, the pushcarts parked, and Yiddish replaced with Hebrew in over seventy orthodox synagogues. However, Brooks himself spent his Saturdays enjoying matinees at the Marcy Theater. He married a non-Jewish woman and allowed his son, Max, to be baptized only as long as he was allowed to have a bar-mitzvah. When asked by the media if he wanted his wife to convert he replied She dont have to convert. She a star! (Yacowar 10-14). Before discussing the films, it is crucial to identify a recurring theme in Brookss work-Germans and, more specifically, Nazis. He had a brief military career in World War II with very little combat experience, and he actually ended up being the entertainment coordinator for the army. Yacowar analyzes Brooks later feelings towards Germans as subconscious frustration because of his inability to actually fight the Nazis (Yacowar 17). In an interview he was asked about his obsession with Germans, and he replied: Me not like Germans? Why should I not like Germans? Just because theyre arrogant and have fat necks and do anything theyre told as long as it is cruel, and killed millions of Jews in concentration camps and made soap out of their bodies and lamp shades out of their skins? Is that any reason to hate their f-king guts? (Yacowar 32) Brooks has mocked Germans in various works such as in Your Show of Shows and on the Carl Reiner and Mel Brooks at the Cannes film festival audio recording. Regardless, of the origin of his interest with Nazis, if one looks at enough of his work, one cannot help but notice that this theme is an obsession for Brooks (Yacowar 34-35, 48). Mel Brooks made his first feature film, The Producers, in 1967. It is about a Jewish Broadway producer (Max Bialystock) who convinces his Jewish accountant (Leo Bloom) to finance a guaranteed to fail play with the idea that they would take the profits and run to South America. The guaranteed to fail play, Springtime for Hitler turned out to be a huge success. The two main characters both represent completely different Jewish stereotypes and the third area of Jewish interest in the film is the role of Germans both in the play and the ex-Nazi author, Frank Liebkind (Altman 39). Max Bialystock (played by Zero Mostel) is obviously not a first generation American because of his name and his accent. Although he never does anything specifically Jewish, he is still Jewish so it is relevant to look at his relationship to Jewish stereotypes. In his book, Telushkin discusses the tradition of having big and lavish bar mitzvahs, he says that the Jewish tradition has few curbs to halt such excesses(74). It is interesting to see how Bialystock chooses to live in almost poverty. Although he is so poor that he says Look at me now-Im wearing a cardboard belt, he also wears a reasonably nice jacket, has a leather coach, and keeps every old ladys picture in a decent frame. Later in the film, when he gets a lot of money, he spends it on a chauffeured car, a sexy secretary, lavish offices and new clothes, rather then spending it on new office equipment or investing it for future financial security (Telushkin 83). Leo Bloom, the accountant (played by Gene Wilder), represents the opposite stereotype from Bialystock. He represents the meek Jew, the Jew-as-doormat. In the beginning of the movie, he walks in on Max trying to get some money from an investor (he catches them lying on top of each other) and is so surprised and in shock that he has to be told to say oops (The Producers). This fits right into the stereotype of Jews as remorseful and ashamed of their sexual desires (The Poducers). Bialystock fulfills the other stereotype of Jewish men who have been portrayed as sex-hungry animals in many jokes. Blooms choice of career is also known as a Jewish career. In the end, he, like Bialystock, ends up fulfilling one of the most basic stereotypes of Jews-he gives in to his greed (Telushkin 93). There are also many small Jewish references in the film. There is an ignorant, and very gay, director named Roger DeBris, who directs Springtime for Hitler and has a familiar Yiddish term in his name (Telushkin 86-87). Also, in the beginning of the movie Bialystock has a funny dialogue with his landlord and it is the only part of the movie in which religion is involved. Bialystock: Murderer, thief, how can you take the last penny out of a poor mans pocket? Landlord: I have to, Im a landlord. Bialystock: Oh lord, hear my plea: Destroy him, he maketh a blight on the land. Landlord: Dont listen to him-hes crazy (The Producers). When one hears the conversation, with the Landlord speaking in a Jewish accent and Bialystock calling out at the heavens, sounding like an abused Jewish mother, it is a lot funnier and the Jewish element is a lot clearer as well. Brooks message in this movie has been largely debated. Lester D. Freidman thinks, Bialystock and Bloom fail to find their flop because they underestimate their audiences deadened sensibilities (173). Brooks is trying to point out that the shock and horror that everyone should view the holocaust in, is mainly a Jewish mindset. In the movie, he made two perfect Jews, and their perfection caused them two have a mindset that was different from the rest of the American public. Therefore, the movie is about more than a pair of corrupt showmen. It is about the segregation of Jews. Bailystock and Bloom are not yet Americans, they still carry a separate identity. In 1974, Brooks came out with Blazing Saddles which is much less Jewish than The Producers. The movie is about a town with a corrupt Attorney General who wants take over the town. The townspeople get the governor to send a new sheriff to restore order. He sends Sheriff Bart who is a black man with Gucci saddlebags on his horse. The townspeople end up working with the new Sheriff to defeat Hedley Lamarr (the attorney general) and his band of hooligans. Jewish topics are in the film as occasional funny parts and not as major parts of the plot. The funniest and most recognizable part of the movie where Judaism is involved is Sheriff Barts recollection of how his family got to the west. According to the Sheriff, strange Indians attacked their wagon. Brooks, who plays the Indian chief, allows Bart and his family to go, he tells his tribe, Zeit nishe meshugge. Loz em gaien†¦Abee gezint. Which basically means, take off. Some feel this is Brooks trying to get some cheap laughs by using Yiddish, but Friedman points out that it is comically appropriate that the Wests most conspicuous outsider, the Indian, should speak in the tongue of historys traditional outsider, the Jew (77). Other than this reference, Blazing Saddles use of Judaism is really little more than an occasional punch line. When Hedley Lamarr is looking for a way to get the citizens of Rock Ridge to leave, his associate recommends killing the first-born male child in every family, to which Lamarr replies-too Jewish (Blazing Saddles). When Mongo (a gigantic ruffian) comes into the saloon, someone in the background says Gottenew (Oh God! ), another Yiddish term (Yacowar 110). Not surprisingly, Mel Brooks finds a way to squeeze Germans into a movie set in the late 19th Centurys Wild West. In the finale of the movie, Lamarr recruits an army of lowlifes. In the army there is a small group of German soldiers who spend much of the fistfight sitting with a Ms. Lily von Shtupp (a not so talented lounge singer) singing the same war song heard in The Producers (Blazing Saddles). Finally, the Indian on many movie promotional materials (including the video cover) has the Hebrew for kosher for Passover inscribed in his headband. Strangely enough, these relatively small Jewish references got the attention of the Jewish Film Advisory Committee, whose director, Allen Rivkin, spoke to a writer about the offensiveness of the Jewish material. The writers response was, Dad, get with it. This is another century(Doneson 128) Blazing Saddles is a movie of the second type identified. It does not deal with specifically Jewish topics. It does, however, use Jewish topics as a way of forwarding the plot and the comedy. Whether the critics were right that Brooks was just using Yiddish because he found it funny, or if he was using it because he wanted to make a point about racism and exclusion, what is most important is that he actually used Yiddish, instead of something more expected (Yacowar 110). 1981s History of the World, Part I, falls somewhere between The Producers and Blazing Saddles in its level of Jewish content (Freidman 236). The movie, is basically, a quick tour through history going from the discovery of fire to the French Revolution. Within the movie, there are two skits that are specifically of Jewish interest (Moses on Mount Sinai and the Spanish Inquisition. ) In the Old Testament, God identifies himself as the Lord, and asks Moses if he can hear Him. Mel Brooks, in a robe and white beard says Yes. I hear you. I hear you. A deaf man could hear you. When Moses tells the people of the new laws, he says, The Lord, the Lord Jehovah has given onto these 15 [crash] 10, 10 Commandments for all to obey. Although Moses obviously had to be Jewish, one wonders why he had to be so klutzy a comic. In Rome, Gregory Hines, playing Josephus, a slave who is not sold in the auction, attempts to get out of being sent to the Coliseum where he would be lion food. His excuse is that the lions only eat Christians, Christians, and I am a Jew-Jewish person. To prove this, he starts singing Havah Negilah and gets the entire crowd to join him. He even tells the slave trader to call Sammus Davis Jr. (after calling the temple and the rabbi). Eventually, the trader looks down his pants, to prove he is not Jewish (History of the World, Part I). Empress Nympho, Caesars wife, is a strange cross between a J. A. P. and a sex maniac. She has a classic Jewish mother accent and uses Yiddish occasionally-Well shlep him along, for example. Towards the end of the movie, Brooks calls a courtier of Louis XVI a petite putz (History of the World, Part I). This is obviously a strange place to hear Yiddish, unless the intent is comic effect. Finally, though, the most outrageous scene, and the one that some Jews have found quite objectionable is the one about the Spanish Inquisition. It should be noted that Brookss portrayal of the Inquisition as being directed against Jews is historically inaccurate. It was really directed against heretical Christians. Because of this inaccuracy, it is safe to assume that Brooks wanted to put this scene in as a Jewish note into his film, as he did with the other films discussed. The Inquisition scene is filmed in a medieval dungeon. It starts by introducing the Grand Inquisitor Torquemada (Mel Brooks) with Torquemada-do not implore him for compassion. Torquemada-do not beg him for forgiveness†¦. Lets face it, you cant Torquemada [talk him outta] anything, then the music starts. One of the lines in the song is A fact youre ignoring, its better to lose your skullcap with your skull, which is emphasized by two old Jewish men in stocks singing oy oy gevalt. After a few descriptions of the actual torture which individual Jews suffered, he points out that nothing is working, send in the nuns. The nuns perform a synchronized swimming routine in which Jews are sent down a chute into a pool to be dragged under by nuns. At the end of the scene, seven nuns are standing on a menorah with sparklers on their heads, while the chorus, led by Torquemada, sings, Come on you Moslems and you Jews. Weve got big news for all of youse. Youd better change your points of views today. Cause the Inquisitions here, and its here to stay. When Brooks was criticized for this scene he replied: Nothing can burst the balloon of pomposity and dictatorial splendor better than comedy†¦. In a sense, my comedy is serious, and I need a serious background to play against†¦. Poking fun at the Grand Inquisitor, Torquemada, is a wonderful counterpart to the horrors he committed (Friedman 236). This would make History of the World, Part I comparable to The Producers in its satire of Hitler, and makes Blazing Saddles also comparable through its satirical treatment of racism. If one still thought that Brooks made History of the World, Part I with only good intentions, one should also consider the treatment of Jews and Germans in the ending of the film. The promo for History of the World, Part II includes scenes such as Hitler on Ice, and Jews in Space, in which Jews are in a space craft singing Were Jews out in space. Were zooming along protecting the Hebrew race†¦. When Goyim attacks us, well give em a slap. Well smack em right back in the face. It definitely seems that History of the World, Part I is a combination, (just as the others movies discussed are) of exploitation for easy laughs and of exposing the evils of the tyrants who have tormented the Jews throughout history. In To Be or Not To Be, Mel Brooks plays Fredrick Bronski, the head actor in a Polish stage revue, around the time of the Nazi annexation of Poland. His wife, Anna Bronski (Anna Bancroft) falls in love with an Air Force lieutenant working in the Polish platoon of the RAF. The main focus of the movie is how they make fun of, get around, outwit, and ultimately escape the Nazis. This movie is actually a remake of an older film, but it still has a distinctively Mel Brooks feel. The main target of Brookss satire is the head of the Gestapo, Colonel Erhardt (Charles Durning) who is a babbling fool. For example, when on the phone, he says What? Why? Where When? When in doubt, arrest them, arrest them, arrest them! Then shoot them and interrogate them. [pause] Oh you are right, just shoot them. Soon after this, he is led to believe that the shoot first policy led to the deaths of two useful figures and after asking what idiot formed the policy, he got mad at Shultz, his assistant, for reminding him that he made the policy. Later on, he has this exchange with Shultz: Erhardt: What idiot gave the order to close the Bronskis theater? Schultz: You did, sir. Erhardt: Open it up immediately. And once and for all stop blaming everything that goes wrong on me (To Be or Not To Be). After being warned to stop making jokes about Hitler, Erhardt promises, No. Never, never, never again, [emphasis added] strange words to hear from a nazi. Although this movie is not about Jews, there are a few Jewish characters and encounters. Bronski hides a Jewish family in his theaters cellar and during the course of the movie, theyre number increases. At one point, the intelligence agent goes to the theater to find his lover, Bronskis wife. The Jewish women hiding there tells him You know that big house on Posen Street? Well dont go there, its Gestapo headquarters, before actually telling where she was staying (To Be or Not To Be). At the end of the movie, they dress up all the Jews hiding in the cellar (closer to 20 than the 3 who originally hid out in the cellar) as clowns to have them run through the aisle (in the middle of a performance for Hitler) to a truck to safety. One old lady panics in the aisle, surrounded by Nazis. To save the old lady, another clown runs up to them and pins an oversized yellow star, yelling Juden! , this causes an enormous laughter from the Nazi audience. To stall the Gestapo, Brooks dresses up as Hitler, and listens to a Jewish actor perform the Hath not a Jew eyes speech from Merchant of Venice. To Be or Not To Be appears to be Brookss final way of coping with his lack of combat in WWII. While he has The Producers make a play in which they portray the Nazis comically, the ultimate message is that the two Jews in the movie still find them to be patently offensive, and therefore, worthy of some form of respect. In To Be or Not To Be he makes the Nazis into purely comical characters, and this is a step further than Brooks went in The Producers. However, this simply may be because at the point of To Be or Not To Be, Brooks was well into his career as an established moviemaker, so he had more freedom to be offensive. Unfortunately, To Be or Not To Be ended the golden age of Mel Brooks movies, at least from a specifically Jewish point-of-view. His later films make only small mentions of Jewish topics. An example of this is Spaceballs, a parody of Star Wars where the main characters have to save a princess from Planet Druidia (Funny, she doesnt look Druish) from the evil Dark Helmet (Rick Moranis) (Spaceballs). The only Jewish reference in the movie were playing off the theme of the Druish princess and a short scene with Mel Brooks as Yogurt, a reinterpretation of Yoda as an old, Jewish man. Brooks also renamed the Force from Star Wars to something more ethnic-the Schwartz. Although these Jewish references may be equal to the Yiddish-speaking Indian in Blazing Saddles, it is too big of a stretch to link a deeper meaning to them as can be done in his earlier films. In the Big Book of Jewish Humor, Jewish humor is defined as having these five qualities: 1. It is substantive in that it is about some larger topic. 2. It, in many cases, has a point-the appropriate response is not laughter, but rather a bitter nod or a commiserating sign of recognition. 3. It is anti-authoritarian, in that it ridicules grandiosity and self-indulgence, exposes hypocrisy, and†¦. is strongly democratic. 4. It frequently has a critical edge which creates discomfort in making its point. 5. It is unsparing-it satirizes anyone and everyone (Novak and Waldoks xx-xxii). Telushkins definition of a Jewish joke is much simpler. He says it must express a Jewish sensibility (16). To Bernard Saper, a uniquely Jewish joke must contain incongruity, a sudden twist of unexpected elements (76). Christie Davies, points out that people such as Jews, who belong to a minority or peripheral ethnic groups tell jokes both about the majority group and about their own group, and they may tell more ethnic jokes about their own group (and find them funnier) than about the majority(29-30). Are the four films discussed within these definitions? Brooks movies definitely fit the Telushkin test of expressing Jewish sensibility, weather it is through how he attacks the Nazis or the random Yiddish expressions that he uses. A lot of Brooks humor is also incongruous. For example, having a Nazi say never again, fulfills Sapers requirement. Brooks films have a lot of ethnic jokes in them, which deal with Jews or Jewish topics. Brooks probably put these jokes in his movies because he found them funny, therefore fulfilling the Davies test. The definition in The Big Book of Jewish Humor is harder to fit because it is in greater detail. However, the films that were discussed fit them well. Many of Brookss films are substantive in that he deals with racism and Anti-Semitism in almost all of his movies. The point of his films may not be so sharp that when people see them they automatically feel bitterness toward someone, but his movies are definently not pure slapstick which fulfills the second part of the definition. Brooks never attacked Jewish leadership but his films are anti-authoritarian because he clearly attacks government officials such as the Nazis and the Grand Inquisitor. Since there is constant controversy about Brooks films there is always potential for discomfort to arise. Finally, Brooks leaves out nobody from his satire-Nazis, cowboys, and 15th century Spanish Jews are all satirized and made fun of in these films. Even though some of his scenes or individual jokes are not typical Jewish humor, he is a Jewish comedian who, most importantly, makes Jewish jokes. Brookss movies represent the classical paradox in Jewish humor and Jewish experience between: first, the legitimate pride that Jews have taken in their distinctive and learned religious and ethical tradition and in the remarkable intellectual eminence and entrepreneurial and professional achievement of individual members of their community, and second, the anti-Semitic abuse and denigration from hostile outsiders whose malice was fueled by Jewish autonomy and achievement (Davies 42-43). The greatest lesson that Brooks has to teach American Jews of today is the expansion of our boundaries. Through his use of Jewish humor to topics which where previously considered off-limits, he allows his viewers to cope with painful parts of history which they may not have been able to cope with in the past. Brooks describes his role as a comedian by saying, for every ten Jews beating their breasts, God designated one to be crazy and amuse the breast beaters. By the time I was five I knew I was that one (Friedman 171-172). He explains that his comedy derives from the feeling that, as a Jew and as a person, you dont fit the mainstream of American society. It comes from the realization that even though youre better and smarter, youll never belong (Friedman 172). Mel Brookss experience is very similar to that of every American Jew, and his comedy speaks uniquely to the American Jew. So, even Brookss most offensive work is rooted deeply within both typical Jewish Humor and the modern Jewish experience. The greatest lesson that Brooks has to teach American Jews of today is the expansion of our boundaries. Through his use of Jewish humor to topics which where previously considered off-limits, he allows his viewers to cope with painful parts of history which they may not have been able to cope with in the past. Brooks describes his role as a comedian by saying, for every ten Jews beating their breasts, God designated one to be crazy and amuse the breast beaters. By the time I was five I knew I was that one (Friedman 171-172). He explains that his comedy derives from the feeling that, as a Jew and as a person, you dont fit the mainstream of American society. It comes from the realization that even though youre better and smarter, youll never belong (Friedman 172). Mel Brookss experience is very similar to that of every American Jew, and his comedy speaks uniquely to the American Jew. So, even Brookss most offensive work is rooted deeply within both typical Jewish Humor and the modern Jewish experience.