Transactional and relationship marketing

Transactional and relationship marketing In this age of modernization and technological advancement one must be on top of the game to succeed in a competitive business market. And to accomplish this task a firm need not only produce high quality products but also effectively handle customer queries and complaints, which results in maintaining good customer relationship. Two different types of marketing approaches have been discussed here. Transactional marketing which focuses only on individual transactions and gives no importance for customer relationship. On the other hand, Relationship Marketing gives top most importance for building long term customer relationships and concentrates on customer satisfaction. Differences between these two approaches have been provided for better understanding of the concepts. Detailed study has been done on customer relationship management techniques, how it is beneficial for the organisation, etc. In the end, we will be discussing the best practices followed by ICICI Bank Ltd, a successf ul and leading organisation in the banking industry. Transactional Marketing is a traditional marketing approach that concentrates only on individual transactions. It mainly focuses on the single sale formula, pushing the sales through mass marketing and promotions of the product. It is based on short period of time, with little or no emphasis on customer service. It is a theory that includes low-price competition, cost cutting, promotion, return on investment etc. They also believe that they can gain market share with only price and customer loyalty is not a major factor. Effective use of the internet helps them to reach customers in a cost effective manner. Transactional Marketing is done by the purchase of consumer information in the form of databases. The company then reaches the consumer by telemarketing, mass e-mailing and other promotional activities. It is not very popular currently as there is no post sale consulting or service. Example: A sales agent who is given commission for each successful sale. He / she tries to persuade the customer to buy the product by describing the features of the product, and then never get back to the customer after closing the sale. http://farm2.static.flickr.com/1146/541909499_13501229b7.jpg In simple words, we can say that Transactional Marketing focuses on maximizing the profit of the company by attracting more customers to purchase the firms product. Relationship Marketing Relationship marketing is concerned with developing and strengthening the relationship with both current and prospective customers. It is more focused on providing the valued products and services to the customers rather than advertisement and promotion. It differs from other marketing schemes as it aims to value the long term relationship and customers contribution towards the business. The main emphasis will be on retention of existing customers for the long term benefits of the company, not on attracting new customers on a daily basis. This gives the organization a competitive gain over its rivals. The biggest threat every company face is the fear that their customers could switch to its competitors. But, if an organization follows a good relationship strategy, their customers are less likely to switch to the competitors. Today, companies are trying their best to build long term relationship with the customers, which will lower the cost of attracting new ones. This ongoing process of building and creating new values with individual customers, and sharing lifetime benefits with them is vital and very important for the organisation because it creates the sense of loyalty in customers and long-term profit for the company. Customer loyalty, particularly to a small business is the key to companys survival. Example: In banking industry, it is very important to maintain a very good relationship with the customers. More number of happy customers will help in terms of expanding customer base, which will result in more revenue and gaining competitive edge over others in the industry. http://www.cxo.eu.com/media/media-news/news-thumb/100517/customer-relationship-management.jpg Comparison between Transactional and Relationship Marketing Transactional Marketing Relationship Marketing Short time scale Long time scale Focus on single sale Focus on retention of the customer No importance to customer service Top priority for customer service Orientation to product features Orientation to customer values Limited commitment towards customers Higher commitment towards customers Focus on product quality while production Ensure product quality in all aspects No post sale consulting or services Follow up after sales to ensure customer satisfaction Mechanical and production oriented business model More humanistic and relationship based business model In conclusion, we can say that Relationship Marketing is a much more affordable approach in terms of a companys budget as it focuses on current customers and prospective clients rather than blindly searching for individuals who may have no interest in the product or services offered by the company. http://courseware.finntrack.eu/images/RelationshipMarketingIsNotJustLoyaltyPrograms.jpg Customer Relationship Management Customer Relationship Management (CRM) is a comprehensive approach for creating, maintaining and expanding customer relationships. An excellent customer relationship management is at the heart of every business success. With CRM, you will easily understand customer requirements, meet those needs effectively, predict market trends and enhance your bottom line. A good CRM will help the business to become more efficient and effective. CRM is the strategic use of Information, processes, technology and people to manage the customers relationship with your company (Marketing, sales, services and support) across the whole customer life cycle. CRM will help the business to improve customer satisfaction, increase staff productivity, slash operational costs and maximize the effectiveness of each customer interaction. CRM programs enhance the customer-friendly services by automating all proceedings and procedures in a company. All CRM systems are primarily large customer databases capable of storing all customer information such as customers name, address, customer contacting method, ability to spend money on products, money spending per visit etc. The specific programs built in these systems integrate the stored data on demand to identify good customers and help to create better service plans for them. The finest CRM system chiefly computerizes the customer service process and also makes it more competent and user friendly. Customers can effortlessly navigate their way to the exact information, so that personal exchanges such as phone calls, emails can be put away for, out of the ordinary situations. http://www.masternewmedia.org/images/customer_relationships_management_handshake_id180610_size485_b.jpg The key to targeting new customers is relatively straight forward, holding onto them is another thing altogether, and this is where good customer service plays an important role. Taking all the efforts to keep a client happy, will vastly improve the chances of them returning with their custom in the future. Effective CRM is central to any successful business. In short, it is the process a company follows to track and organise its current customer base. If implemented correctly, a holistic CRM approach can help businesses of all sizes to make better informed marketing decisions, offer more efficient customer service and support and, ultimately, create shorter sales cycles. CRM software enables companies to proactively create sales that otherwise may not have happened. And ultimately, the long term success of any business will depend on the effectiveness of their overall customer relationship management strategy. Success of any business small, medium or large greatly depends on customer satisfaction and the manner in which an enterprise makes attempts to cater to client requirements and boost customer relationships. It is herein that the concept of CRM becomes vital to win customers and sustain their growth. Benefits of CRM Customer Satisfaction: Using CRM, marketing, selling and servicing your customers will be organized and systematic. As every customer interaction is done in a consistent way, your business exceeds customers expectations. A well-implemented CRM will increase customer satisfaction. A Customer Relationship Management for your company is a worthwhile investment and a smart solution to keep your business stay competitive. Today, CRM programs have become the most effective tools for all marketing and service providing companies to enhance their customer satisfaction. Increased Revenue: CRM will result to shorter sales cycles because of efficient management of accounts and orders. This will then naturally encourage business growth and long term profitability as the number of customers increase and opportunities are maximized. In the cut throat environment of modern times, a CRM system then emerges as a valuable tool to help build customer loyalty. CRM as the acronym suggests is all about managing the customer. If the customer is managed in an effective manner, the profit on a continuous basis is the logical by-product. A business can generate profit only when it has a committed and faithful following of customers. It does not matter whether your business is small, or you are running a large business, the longevity of your business relays on the information you acquire about your customer. Profits can be maximized first and foremost on a continued basis by having retaining satisfied customers. It can be done only through a personal touch. This personal touch can be ensured through maintaining a database on the needs and preferences of your customers. Building a relationship of trust and understanding by knowing their needs and wants will help you and your customer develop a long term relationship, or more importantly, partnership. Reduced costs: Through the use of CRM, work and activities become systematic and coordinated. This will eliminate waste of funds and leads to reduced labour costs. CRM solution providers bring in healthy solutions to enable companies to better serve their customers and recognize their target customers, manage marketing campaigns and generate quality leads for the sales team. Statistics reveal that expenditure is much higher in acquiring a new customer than to retain an existing one. This can be guaranteed by keeping a database on the requirements of your customers. CRM system allows you to have a better grip on your customers. This in turn saves a lot of time and money thereby by being twice as more beneficial to your concern than any other similar system. Why CRM is crucial? CRM is an effective tool to take the business forward as it helps to evaluate the companys customer base and manage their customer data efficiently and effectively. It is required to have a proper planning and a strategic device to expand their footprint as well as retain their old customers, while also winning new clients; CRM becomes imperative in the current situation. CRM also helps businesses to simplify sales and marketing processes, while also reducing costs. http://www.thebmrant.com/wp-content/uploads/2009/03/crm-12.jpg The main objective of CRM is to maintain a better understanding of the customer requirements and manage customer relationship through the use of software, Web-based integration of business processes and methodologies. Besides, CRM programme provides a swift mechanism to monitor all contact points between a client and the company, thereby reducing the hassles of handling customer complaints. Loyal Customers are Most Important Profit Drivers Best customers, allow you to earn your acquisition cost and generate a positive return on investment. The longer you keep them, the more positive your returns will be. Loyal customers are more likely to buy more things from you. They dont have to be sold as hard because they understand your value proposition and, since they have a relationship with you, they are more likely to see your marketing, which increases revenue and profit, and reduces acquisition cost. Loyal customers will pay a higher price. They understand your product and see its value. You dont have to bribe them to buy again. This further improves the profitability of the company. Experienced customers cost less to service. Because they know how your product or service works. All this reduces your cost, which improves profitability. Loyal customers will happily tell their friends and associates about your product. This brings in more great customers with no acquisition cost. http://images04.olx.com.ph/ui/13/95/62/1300216362_177789362_2-Pictures-ofBuild-Your-Business-With-Loyal-Customers.jpg http://themarketbureauwebsite.businesscatalyst.com/images/blog/growth2.jpg Impact of CRM on Marketing and Operations of an Organisation This view of CRM completely changed the operations of the organisations. Companies became more concerned about keeping the existing customer than searching for new ones. This new dimension of marketing changed the entire approach, companies changed their marketing strategies, and every customer is different than other, so each one is being treated differently. Different CRM strategies are used by the companies, which allow them to identify their best customers, try to satisfy their needs and continuously increase their level of satisfaction and take them up to the loyalty level. CRM has affected the marketing of the organisation in a sense that it made organisations to change all its marketing strategies and operations. CRM based organisations are concerned about the customers. Organisations now attempt to define the characteristics of the best customers, estimate their lifetime value, and are changing their marketing strategies accordingly. CRM system is mostly technology based, and it affects the customers behaviour a lot, if it is not implemented properly. CRM has a huge impact on marketing of the organization. It has almost shifted the focus from mass marketing to individual customer. Managing each customer relationship is the heart of CRM, while traditional market metrics hardly allowed the companies to make operational decisions that affect individual customers. CRM helped the organizations to improve its mass marketing and campaign measures. These retention campaigns cost a lot but its very effective in longer run. Furthermore, having a regular client base also alleviates a lot of the pressure that comes with continuously having to target new customers, which is not only costly and time consuming, but there is no guarantee how much revenue any new marketing initiative will generate. http://www.divessi-indo.com/images/loyalty-cycle.gif By having access to customers detailed buying history, its possible to offer related products and services. Known as cross-selling, this is an extremely effective means of generating additional revenue. Then there is what is known as up-selling, which is where the customer is encouraged to buy upgrades or add-ons at the point of sale. Traditional marketing approach was more focused on the sales while CRM has a view of long-term relationship with the customers. This idea of retaining the customers made huge changes within the organizations and changed its marketing and operations. Organisations started building and maintaining databases of the customers information. CRM made businesses more conscious about customer services, acquiring and serving the customers, increasing their value towards the company, retaining good customers and determining which customer should be retained or given a higher level of services. Businesses today put a lot of efforts on analysing the purchasing behaviour of the customer; they manage several databases where they keep records of each customer. According to the information each customer is targeted separately. Different schemes and campaigns are being organized by the business to retain the customers. These schemes include different promotions to create a sense of loyalty among the customer. Like different newspapers give a free copy to its regular customers. http://securitysystemprice.com/images/opfso-2.jpg http://t2.gstatic.com/images?q=tbn:ANd9GcSbDzvInkO7kX_1BM9EIfTILUYrMayXiYqzJKgmmVjN5SsYzG5goAt=1 A CRM system could run better if the organisation have the right employees, who have knowledge of the CRM system, so organisations now have to spend more on training the employees and make them aware of the system. CRM system is more or less technology based so certain tools should be upgraded continuously like Web Pages. Organisations now tend to make databases of the customers, which have increased the burden because this approach of one-to-one marketing and customer loyalty expects a lot. With the implementation of CRM system in the organizations, their marketing strategies seemed to be customer centric (striving to create the customer loyalty rather than making new customer every time) and focus is being given to One-to-one marketing, rather than mass marketing. Today, organisations are more customer centric. In simple worlds organization makes sure that its customers could easily contact it. The best example of customer centric organization could be Amazon.com. They have personalized web pages with wide range of products to select, the low price lead towards the customer loyalty and a long-term relationship of Amazon.com. One-to-one Marketing: It is also expressed as 1:1 Marketing. Its a CRM strategy which emphasis on personalized interaction with customers. It is thought that this personalized interaction will grow customer loyalty and will give a better return on the marketing investments. This one-to-one marketing term could be new but the approach is quite old. And its been taking place since the commerce came into existence. For example: the owner of a grocery store would naturally take this one-to-one approach while dealing with customers, i.e. remembering the customer details about their preferences and their characteristics and ultimately providing the services based on that knowledge. http://www.websitepromotionsltd.co.uk/images/customer-focus3.jpg?__SQUARESPACE_CACHEVERSION=1295915031625 http://kiranmendekar.files.wordpress.com/2010/06/customer_focus.jpg In Conclusion, we can say that CRM has given organization great benefits in terms of improved marketing methods, customer retention, a growth in the market share and an analysis of customer profitability. CRM provides the organization with a sustainable competitive advantage. CRM is the comprehensive approach of creating and maintaining long term relationships. This one to-one marketing approach has impacted a lot on different aspects of the organization; this is more technology-based approach to stay in touch with customers, striving to make them loyal with the company. Due to this relation maintaining approach, companies have also affected in terms of their marketing strategies, and their operations. Companies have to change all of their previous strategies and start working on this new approach. http://www.awinsjclarke.com/wp-content/uploads/diag_serv_crm2.gif Case Study Best CRM Practices followed by ICICI Bank Ltd CRM at ICICI involves increased communication between the bank and the customers. ICICI believes that a true customer-centric relationship can only be accomplished by considering the unique perspectives of every single customer. ICICI also believes in one to one marketing strategy by tracking complete customer life-cycle history. Effective use of Cross Selling technique helped the bank in terms of generating more revenue. Implementing CRM at ICICI Bank Business Focus: There are various components of CRM like customer information, sales, marketing trends and marketing effectiveness that acted in tandem to improve relationship between ICICI and its consumers. ICICI captured customer data and analyzed them while dealing with customers at these very touch points. A CRM solution from Siebel was implemented for the automation of customer handling in all key retail products of the Group. The solution allows customer service agents to track all customer complaints and requests. It also allows target setting and centralized tracking of turnaround times for request fulfilment. The bank has also undertaken a retail data warehouse initiative to achieve customer integration at the back-office. This central view of the total customer relationship is being used extensively for identifying opportunities to cross-sell new products and services to the existing customer base. Technology Focus: ICICI Bank continues to leverage information and computer technology as a strategic tool for its business operations to gain competitive advantage. Its technology strategy emphasizes enhanced level of customer services through 247 availability, multi-channel banking and straight through processing, and cost efficiency through optimal use of electronic channels, wider and focused market reach and opportunities for cross-selling. The Technology Management Group (TMG) is the focal point for the ICICI Groups technology strategy and Group-wide technology initiatives. This group reports directly to the Managing Director CEO. A key to ICICIs success has been its ability to harness business information to CRM initiatives that have fuelled growth and helped attract more than 30 million customers. http://www.foxif.com/wp-content/uploads/2011/02/ICICI-Bank.jpg http://thezerolife.com/kobnaghar/wp-content/uploads/ICICIBankCustomerFirstTheZeroLife.Com_thumb.jpg Components of CRM Cycle Understand and Differentiate: Organisations need to understand their customers in order to have a relationship with them. ICICI understands every individual and offer products and services based on their learning. Develop and Customise: In a customer-focused world, Organizations are increasingly developing products and services, and even new channels based on customer needs and service expectations. ICICI believes that the extent of customization should be based on the potential value delivered by the customer segment. Interact and Deliver: ICICI is strongly of the opinion that value is not just based on the price of the product or the discounts offered, but are based on a number of factors including the quality of products and services, convenience, speed, ease of use, responsiveness, and service excellence. Acquire and Retain: The more ICICI learns about customers, the easier it is to pinpoint those that are producing the greatest value for the organization. They aim to continue to learn more about each customer segment and use it for successful customer retention. As ICICI moves step further in CRM they hopes to gain insight and understanding that enhance the subsequent efforts. Successful customer retention is based on the organizations ability to constantly deliver the best services to its customers. http://cdn.information-management.com/media/editorial/dmreview/199911/199911_060_1.gif We can say that ICICI Bank has achieved this level by way of focussed and customer centric approach using various customer relationship management techniques. CRM plays a vital role for organisations growth and success. Effective use of the latest and proven CRM techniques will help organisations to be competitive in this changing world. http://www.gwtindia.com/wp-content/uploads/2010/08/crm_internship.jpg

Green Building Guide

 ® IGBC Green Homes  ® IGBC Green Homes Rating System Ver 1. 0 Abridged Reference Guide April 2009 Confederation of Indian Industry CII-Sohrabji Godrej Green Business Centre  ® IGBC Green Homes  ® IGBC Green Homes Rating System Ver 1. 0 Abridged Reference Guide April 2009 Confederation of Indian Industry CII-Sohrabji Godrej Green Business Centre Copyright Copyright  © 2008 by the Indian Green Building Council. All rights reserved. The Indian Green Building Council (IGBC) authorises you to view the IGBC Green Homes Version 1. Abridged Reference Guide for your individual use. You agree not to sell or modify the IGBC Green Homes Reference Guide or to reproduce, display or distribute IGBC Green Homes Reference Guide in any way for any public or commercial purpose, including display on a website or in a networked environment. Unauthorised use of the IGBC Green Homes Abridged Reference Guide violates copyright, trademark and other laws and is prohibited. Note that the National an d local codes, norms, etc. , used in the IGBC Green Homes Reference Guide are in the public domain.All other content in the IGBC Green Homes Reference Guide are owned by the Indian Green Building Council and are protected by copyright. Disclaimer None of the parties involved in developing the IGBC Green Homes Version 1. 0 Abridged Reference Guide, including the Indian Green Building Council assume any liability or responsibility, to the user or any third parties for any injuries, losses or damages arising out of such use. Indian Green Building Council C/o Confederation of Indian Industry CII – Sohrabji Godrej Green Business Centre Survey No. 64, Kothaguda Post Near Kothaguda Cross Roads, R R Dist Hyderabad – 500 032 2Acknowledgements The IGBC Green Homes Abridged Reference Guide has been made possible through the efforts of many dedicated volunteers, staff members and others in the IGBC community. The Reference Guide was developed by the IGBC Green Homes Core Committee and many other members. We extend our deepest gratitude to all these members. Tremendous inputs also came in at the ‘IGBC Green Homes’ launch on 02 May 2008, which had an overwhelming response from stakeholders all over the country. IGBC places on record its sincere thanks to the participating companies and individuals who enthusiastically volunteered during the break-out sessions.Our special thanks to the following members for their participation and contributions in developing the rating programme: †¢ Mr Sharukh Mistry, Chairman, IGBC – Green Homes Steering Committee & Director, Mistry Architects, Bangalore †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ Dr Prem C Jain, Chairman, Indian Green Building Council & Chairman and Managing Director, Spectral Services Consultants Private Limited, Noida Mr Sanjay Seth, Energy Economist, Bureau of Energy of Efficiency, New Delhi Mr V Madhwa Raja, Superintendin g Engineer, HMDA, Hyderabad Mr Arjun Valluri,Chairman, Surya Ray, Hyderabad Mr Ankoor Sanghvi, Architect, Ankoor Sanghvi Architects, Rajkot Dr Archana Walia, Programme Management Specialist, USAID, New Delhi Mr Chandrashekar Hariharan, CEO, Biodiversity Conservation [India] Limited, Bangalore Mr C. N. Raghavendran, Chairman, IGBC-Chennai Chapter & Partner, CRN Architects & Engineers, Chennai Mr C Shekar Reddy, President, Builders Forum, Hyderabad Mr Gerard Da Cunha, Proprietor, Architecture Autonomous, Goa Mr H N Daruwalla, Vice President, Godrej & Boyce Mfg.Co. Ltd. , Mumbai Mr Jaffer A A Khan, Principal Architect, JDS Architects, Bangalore Mr Jahangir Yar Khan, General Manager-Projects, Shree Ram Urban Infrastructure Ltd, Mumbai †¢ †¢ Dr Jyotirmay Mathur, Reader, Malaviya National Institute of Technology, Jaipur Mr K K Bhattacharya, Sr. Executive Director, DLF Utilities Pvt Ltd, Gurgaon 3 †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ Mr K P Ragh avan, Vice President & Head – Buildings & Factories Sector, Larsen & Toubro Ltd. Chennai Mr K R Gopinath, Chairman, KRG Rainwater Foundation, Chennai Ms Meenu Garg, Consultant, Hyderabad Mr Pawan Malhotra, Managing Director, Mahindra Lifespace Developers Ltd, Mumbai Mr Rajan Rawal, Professor, CEPT University, Ahmedabad Mr Rajan Venkateswaran, Chief Architect, Larsen & Toubro Ltd, Chennai Mr Rumi P Engineer, Dy. General Manager, Godrej & Boyce Mfg. Co.Ltd, Mumbai Mr R Sri Kumar, Additional Director General of Police, Chairman and Managing Director, Karnataka State Police Housing Corporation Limited, Bangalore Mr Sanjay Chawla, Chairman, IGBC – Hyderabad Chapter, Business Head (Commercial and SEZ), Maytas Properties Ltd, Hyderabad Ms Suhasini Ayer, Architect, Auroville Design Consultants, Pondicherry Mr Vidur Bharadwaj, Chairman, IGBC – Delhi Chapter & Managing Partner, Design & Development Consultants, New Delhi Dr Vishal Garg, Associate Professor, Centre for IT in Building Science, International Institute of Information Technology, Hyderabad Mr Zubin Irani, Managing Director, Carrier Airconditioning & Refrigeration Limited, Gurgaon †¢ †¢ †¢ †¢ 4Our sincere thanks are due to the following organisations for their participation in the programme: †¢ Adapt Technologies & Consultancy Services India Pvt Ltd, Hyderabad †¢ ADC KRONE ,Bangalore †¢ Advance Cooling Towers Pvt Ltd, Mumbai †¢ AFRA Consultancy, Hyderabad †¢ Ala Inc, Chennai †¢ Aliens Developers Private Limited, Hyderabad †¢ Altimate Envirocare Asia Pvt Ltd, Mumbai †¢ Aluplast India Pvt. Ltd, New Delhi †¢ Ankoor Sanghvi Architects, Rajkot †¢ Armstrong World Ind. India Pvt Ltd , Bangalore †¢ Architecture Autonomous, Goa †¢ Architect Hafeez Contractor, Mumbai †¢ Asahi India Glass Limited (AIS),Hyderaba d †¢ Auroville Design Consultants, Pondicherry †¢ Bamboo Finance, Switzerland †¢ Blue Run V entures, New Delhi †¢ Blue Star Limited, Hyderabad †¢ Brigade Group, Bangalore †¢ Buhari Holdings Private Limited, Chennai †¢ Bureau of Energy Efficiency, New Delhi †¢ Conserve Consultants Pvt.Ltd, Chennai †¢ Carrier Airconditioning & Refrigeration Limited, Gurgaon †¢ CEPT University, Ahmedabad †¢ CRN Architects & Engineers, Chennai †¢ CSR Estates, Hyderabad †¢ Design & Development Consultants, New Delhi †¢ DLF Services Limited, Gurgaon †¢ DLF Utilities Pvt Ltd, Gurgaon †¢ Dow Chemical International Pvt Ltd, Mumbai †¢ DSL Infrastructure & Space Developers, Hyderabad †¢ Dynacraft Air Controls , Mumbai †¢ Emaar MGF Land Limited, New Delhi †¢ EN3 Consulting, Chennai †¢ KRG Rainwater Foundation, Chennai †¢ KRVIA, Mumbai †¢ L&T Infocity Limited, Hyder abad †¢ Larsen & Toubro Limited, Chennai †¢ Lodha Group of Companies, Mumbai †¢ Mahindra Lifespace Developers Ltd, Mumbai â⠂¬ ¢ Maithel & Associates Architects Pvt.Ltd, Jaipur †¢ Malaviya National Institute of Technology, Jaipur †¢ Manasaram Architects, Bangalore †¢ Master Consultancy & Productivity Pvt Ltd, Hyderabad †¢ Maxvel Technologies Pvt Ltd, Mumbai †¢ Maytas Properties Ltd, Hyderabad †¢ Mistry Architects, Bangalore †¢ Mozaic Design Combine, Goa †¢ Nippon Paint (India) Pvt Ltd, Hyderabad †¢ Oceanus Infrastructure (P) Ltd, Bangalor e †¢ Olympia Tech Park, Chennai †¢ Orbit Group, Kolkata †¢ Owens Corning Enterprise (India) Pvt Ltd, Mumbai †¢ Parsvnath Developers Ltd, New Delhi †¢ Potential Service Consultants (P) Ltd, Bangalore †¢ Prasad Escendo Consultancy, Hyderabad †¢ Rajarathnam Constructions (P) Ltd, Chennai †¢ Rajco Metal Industries Pvt Ltd, Mumbai †¢ RITES Ltd, Gurgaon †¢ Roads and Buildings Dept. , Govt. , AP, Hyderabad †¢ S V Properties, Hyderabad †¢ S&S Constructions (India) Pvt. Ltd, Hyderabad †¢ Sai Construction Corporation, Hyderabad †¢ Saint – Gobain Glass India Ltd, Chennai †¢ Sangam Project Consultants, Mumbai †¢ Satya Vani Project & Consultants Pvt. Ltd, Hyderabad †¢ Schneider Electric India Pvt. Ltd, New Delhi 5 Energy Conservation Mission, Hyderabad †¢ Everest Industries Ltd, Gopalapuram Tamilnadu †¢ ETA Engineering Private Limited, Hyderabad †¢ Eximcorp India Pvt Ltd, New Delhi †¢ Federation of Engineering Institutions of South and Central Asia, Hyderabad †¢ Forbo Flooring India, New Delhi †¢ Forum (FBH), Hyderabad †¢ Genesis Planner (Pvt) Ltd, Mumbai †¢ Gherzi Eastern Limited, Mumbai †¢ Ghosh, Bose & Associates, Kolkata †¢ GMR Hyderabad Intl. Ltd, Hyderabad †¢ Godrej & Boyce Mfg. Co. Ltd, Mumbai †¢ Godrej Properties, Mumbai †¢ Greentech Knowledge Solutions (P) Ltd, New Delhi †¢ Green Tek Indika (GTI), Hyderabad †¢ Hindustan Aeronautics Ltd, Hydera bad †¢ Honeywell, Chennai †¢ Indu Projects Limited, Hyderabad †¢ Infinity Infotech Parks Ltd, Kolkata †¢ Infinity Township Pvt.Ltd, Hyderabad †¢ Infosys BPO Limited, Bangalore †¢ Interface Flor India Pvt Ltd, Hyderabad †¢ International Institute of Information Technology, Hyderabad †¢ JDS Architects, Bangalore †¢ Johnson Control s, Mumbai †¢ Jones Lang LaSalle Meghraj, Gurgaon †¢ Kalpataru Ltd, Mumbai †¢ Karnataka State Police Housing Corporation Limited, Bangalore †¢ Khivraj Tech Park Pvt Ltd, Chennai †¢ Kirloskar Brothers Ltd, Coimbatore †¢ K Raheja Corp, Mumbai †¢ Sequoia Capital India Advisors Pvt. Ltd, Bangalore †¢ Sevcon (India) Pvt Ltd, New Delhi †¢ SEW Constructions Ltd, Hyderabad †¢ Shapoorji Pallonji & Company Limited, Mumbai †¢ Shika Management Services, Hyderabad †¢ Shilpa Architects, Chennai †¢ SMR Builders Pvt Ltd, Hyderabad †¢ SMR Live Spaces, Hyderabad à ¢â‚¬ ¢ Shree Ram Urban Infrastructure Ltd, Mumbai †¢ Spectral Services Consultants Private Limited, Noida †¢ Srinivasa Shipping & Property Development Ltd, Chennai †¢ Studio Decode, Bangalore †¢ Suchirindia Developers Pvt Ltd, Hyderabad †¢ Sugan Automatics Pvt.Ltd, Hyderabad †¢ Surbana International Consultants (India) Pvt Ltd, Hyderabad †¢ Supreme Petrochem Ltd, Mumbai †¢ Tameer Consulting Associates, Hyderabad †¢ Tata Housing Development Co. Ltd , Bangalore †¢ Team Labs & Consultants, Jaipur †¢ Terra Verde Architects, Hyderabad †¢ The Indian Institute of Architects, New Delhi †¢ Total Environment, Bangalore †¢ TSI Ventures, Bangalore †¢ UNUS Architects and Interior Designers, Hyderabad †¢ U P Twiga Fiberglass Ltd, Hyderabad †¢ USAID, New Delhi †¢ Vida Calma Homes Private Limited, Goa †¢ Virtuoso Consultants, Hyderabad †¢ Voltas Limited, Hyderabad †¢ V Raheja Design Construction , Bangalore 6  ® Contents Foreword from Indian Green Building Council IGBC Green Homes 9 10 11 11 12 14 17 18Introduction Benefits of Green Homes National Priorities addressed in the Rating system IGBC Green Home Rating System IGBC Green Home Process Updates and Addenda Green Homes Project Checklist Site Selection and Planning Mandatory Requirement 1 Mandatory Requirement 2 Site Credit 1. 0 Site Credit 2. 0 Site Credit 3. 0 Site Credit 4. 0 Site Credit 5. 0 Site Credit 6. 0 Site Credit 7. 0 Water Efficiency Mandatory Requirement 1 Mandatory Requirement 2 Water Credit 1. 0 Water Credit 2. 0 Water Credit 3. 0 Water Credit 4. 0 Water Credit 5. 0 Water Credit 6. 0 Water Credit 7. 0 Water Credit 8. 0 Water Credit 9. 0 Energy Efficiency Mandatory Requirement 1 Mandatory Requirement 2 Energy Credit 1. 0 Energy Credit 2. 0 Energy Credit 3. 0 Energy Credit 4. 0 Energy Credit 5. 0 Energy Credit 6. Energy Credit 7. 0 Energy Credit 8. 0 CFC-Free Equipment Minimum Energy Performance Energy Per formance Energy Metering Refrigerators Solar Water Heating Systems : 50%,75%,95% Captive power Generation Onsite Renewable Energy : 2. 5%, 5. 0%, 7. 5%, 10% Efficient Luminaries & Lighting Power Density: 20% Energy Saving Measures in other Appliances & Equipment 7 Local Regulations Soil Erosion Basic Amenities Natural Topography or Landscape : 15%, 20% Heat Island Effect – Roof : 50%, 75% Parking Facilities for Visitors Electric Charging Facility for Vehicles Design for Differently Abled Green Home Guidelines – Design & Post Occupancy 21 22 23 25 26 27 28 29 30Rainwater Harvesting, 50% Water Efficient Fixtures Turf Design : 20%,40% Drought Tolerant Species : 25% Management of Irrigation Systems Rainwater Harvesting, 75%, 95% Grey Water Treatment : 50%,75%,95% Treated Grey Water for Landscaping : 50%,75%,95% Treated Grey Water for Flushing : 50%,75%,95% Water Efficient Fixtures : 20%, 30% Water Metering 32 33 34 35 36 37 39 41 43 45 47 49 50 51 57 58 59 60 61 62 64 Mate rials Mandatory Requirement 1 Materials Credit 1. 0 Materials Credit 2. 0 Materials Credit 3. 0 Materials Credit 4. 0 Materials Credit 5. 0 Materials Credit 6. 0 Materials Credit 7. 0 Separation of Wastes Waste Reduction during Construction : 75% Organic Waste Management, Post Occupancy : 50%, 95% Materials with Recycled Content : 10%, 20% Rapidly Renewable Materials : 2. 5%, 5% Local Materials : 50%, 75% Reuse of Salvaged Materials : 2. 5%, 5% Certified Wood Based Materials and Furniture: 50%, 75% 66 67 68 69 70 71 72 73Indoor Environmental Quality Mandatory Requirement 1 Mandatory Requirement 2 Mandatory Requirement 3 IEQ Credit 1. 0 IEQ Credit 2. 0 IEQ Credit 3. 0 IEQ Credit 4. 0 IEQ Credit 5. 0 IEQ Credit 6. 0 IEQ Credit 7. 0 Innovation and Design Process INN Credit 1. 1 INN Credit 1. 2 INN Credit 1. 3 INN Credit 2. 0 Annexure Abbreviations Innovation and Design Process Innovation and Design process Innovation and Design Process IGBC AP 91 91 91 92 93 103 Tobacco Smoke Control D aylighting : 50% Fresh Air Ventilation Exhaust Systems Enhanced Fresh Air Ventilation : 30% Low VOC Materials Carpets : 5% Building Flush Out Daylighting : 75%, 85%, 95% Cross Ventilation 75 76 78 80 81 83 85 86 87 89 8Foreword from the IGBC India is witnessing tremendous growth in infrastructure and construction development. The construction industry in India is one of the largest economic activities and is growing at an average rate of 9. 5% as compared to the global average of 5%. As the sector is growing rapidly, preserving the environment poses a host of challenges. To enable the construction industry to be environmentally sensitive, CII-Sohrabji Godrej Green Business Centre has established the Indian Green Building Council (IGBC). IGBC is a consensus driven not-forprofit council representing the building industry, consisting of more than 500 committed members.The council encourages builders, developers and owners to build green to enhance the economic and environmental perform ance of buildings. The Green Building Movement in India has been spearheaded by IGBC since 2001, by creating national awareness. The council’s activities have enabled a market transformation with regard to Green Building concepts, materials and technologies. IGBC continuously works to provide tools that facilitate the adoption of green building practices in India. The development of IGBC Green Homes Rating System is another important step in this direction. IGBC Membership IGBC draws its strength from its members who have been partners in facilitating the Green Building Movement in India.The local chapters led by individual champions and committed members have been instrumental in reaching out the vision of the IGBC at the regional levels. IGBC is today seen as a leader in spearheading the Indian green building movement. The council is member driven and consensus based. Contact : Indian Green Building Council C/o Confederation of Indian Industry CII – Sohrabji Godrej G reen Business Centre Survey No. 64, Kothaguda Post Near Kothaguda Cross Roads, R R District Hyderabad – 500 032, India Ph: +91 40 23112971-74 Fax : +91 40 23112837 Email: [email  protected] in Web: www. igbc. in 9 I. Introduction The housing sector in India is growing at a rapid pace and contributing immensely to the growth of the economy.This augurs well for the country and now there is an imminent need to introduce green concepts and techniques in this sector, which can aid growth in a sustainable manner. Green concepts and techniques in the residential sector can help address national issues like handling of consumer waste, water efficiency, reduction in fossil fuel use in commuting, energy efficiency and conserving natural resources. Most importantly, these concepts can enhance occupant health, happiness and wellbeing. Against this background, Indian Green Building Council (IGBC) has launched ‘IGBC Green Homes Rating System’ to address the national prioriti es. By applying IGBC Green Homes criteria, homes which are sustainable over the life cycle of the building can be constructed.This rating programme is a tool which enables the designer to apply green concepts and criteria, so as to reduce the environmental impacts, which are measurable. The programme covers methodologies to cover diverse climatic zones and changing lifestyles. IGBC Green Homes is the first rating programme developed in India, exclusively for the residential sector. It is based on accepted energy and environmental principles and strikes a balance between known established practices and emerging concepts. The system is designed to be comprehensive in scope, yet simple in operation. IGBC has set up the Green Homes Core Committee to develop the rating programme. This committee comprised of key stakeholders including architects, developers, home owners, manufacturers, institutions and industry representatives.The committee, with a diverse background and knowledge has enr iched the rating system both in its content and process. 10 II. Benefits of Green Homes Green homes can have tremendous benefits, both tangible and intangible. The most tangible benefits are the reduction in water and energy consumption right from day one of occupancy. The energy savings could range from 20 – 30 % and water savings around 30 – 50%. Intangible benefits of Green homes include enhanced air quality, excellent daylighting, health & wellbeing of the occupants, safety benefits and conservation of scarce national resources. Green Homes rating system can also enhance marketability of a project. III.National Priorities Addressed in the Rating System The Green Homes Rating System addresses the most important National priorities which include water conservation, handling of consumer waste, energy conservation, conservation of resources like wood and lesser dependence on usage of virgin materials. Water Efficiency: Most of the Asian countries are water stressed and in countries like India the water table has reduced drastically over the last decade. Green Homes encourages use of water in a self – sustainable manner through reducing, recycling and reusing strategies. By adopting this rating programme green homes can save potable water to an extent of 30 – 50%.Handling of House -hold Waste: Handling of waste in residential buildings is extremely difficult as most of the waste generated is not segregated at source and has a high probability of going to land fills. This continues to be a challenge to the municipalities which needs to be addressed. IGBC intents to address this by encouraging green homes to segregate the house hold waste. Energy Efficiency: The residential sector is a large consumer of electrical energy. IGBC Green Homes can reduce energy consumption through energy efficient lighting, air conditioning systems, motors, pumps etc. , The rating system encourages green homes which select and use BEE labeled equipment and appliances. The energy savings that can be realised by adopting this rating programme can be to the tune of 20 – 30%.Reduced Use of Fossil Fuels: Fossil fuel is a slowly depleting resource, world over. The use of fossil fuel for transportation has been a major source of pollution. The rating system encourages the use of alternate fuels for transportation and captive power generation. Reduced Dependency on Virgin Materials: The rating system encourages projects to use recycled & reused material and discourages the use of virgin wood thereby addressing environmental impacts associated with extraction and processing of virgin materials. Reduced usage of virgin wood is also encouraged. 11 Health and Well-being of Occupants: Health and well-being of occupants is the most important aspect of Green Homes.IGBC Green Homes Rating System ensures minimum performance of daylighting and ventilation aspects which are critical in a home. The rating system recognises measures to minimise the indoor air pollutants. IV. IGBC Green Homes Rating System IGBC has set up the Green Homes Core Committee to focus on residential sector. The committee includes architects, realtors, experts on building science and industry representatives. The varied experience and professions of the committee members brings in a holistic perspective in the process of developing the rating programme. A. Evolution of the Rating System IGBC, in its endeavor to extend green building concepts to all building types envisioned a rating programme for homes in December 2007.A core committee was formed under the leadership of Ar Sharukh Mistry, Mistry Architects, Bangalore. The committee drafted the pilot version of the programme which was launched in May 2008. The rating system is designed to suit Indian climate and construction practices. About 220 members representing 120 organisations participated in the pilot programme. 52 projects with 41. 5 million sq. ft of building footprint area from various clima tic zones registered under the pilot rating programme. After one year of implementation, feedback from pilot projects were reviewed by the core committee and the suggestions have been incorporated in the final rating system launched in March 2009. The rating system will be subjected to a eview by the core committee, every 6 months, to ensure that it is updated and contemporary. B. Features of IGBC Green Homes IGBC Green Homes Rating System is a voluntary and consensus based programme. The rating system has been developed based on materials and technologies that are presently available. The objective of IGBC Green Homes is to facilitate the creation of energy efficient, water efficient, healthy, comfortable and environmentally friendly houses. The rating system evaluates certain credit points using a prescriptive approach and other credits on a performance based approach. The rating system is evolved so as to be comprehensive and at the same time user-friendly.The programme is fundam entally designed to address national priorities and quality of life for occupants. 12 The rating programme uses well accepted national standards and wherever local or national standards are not available, appropriate international benchmarks have been considered. C. Scope of IGBC Green Homes IGBC Green Homes Rating System is a measurement system designed for rating new residential buildings which broadly include two construction types: 1. Dwellings where interiors are part of the project. 2. Dwellings where interiors are not part of the project *Interiors include but not limited to refrigerators, internal lighting, furniture, carpets, etc.Based on the scope of work, projects can choose any of the above options. The following categories of dwelling can apply for rating: v Individual homes v Gated communities v High rise residential apartments v Existing residential buildings v Residential buildings with major renovation v Hostels, Service apartments, Resorts, Motels and Guest houses In general all dwelling spaces which can meet the mandatory requirements and minimum points can apply. Various levels of green building certification are awarded based on the total points earned. D. The Future of IGBC Green Homes Many new green building materials, equipment and technologies are being introduced in the market.With continuous up-gradation and introduction of new green technologies and products, it is important that the rating programme also keeps pace with current standards and technologies. Therefore, the rating programme will also undergo periodic revisions to incorporate the latest advances and changes. It is important to note that project teams applying for IGBC Green Homes should register their projects with the latest version of the rating system. During the course of implementation, projects have an option to transit to the latest version of the rating system. IGBC will highlight new developments on its website on a continuous basis at www. igbc. in 13 V. IGBC Green Homes Process The guidelines detailed under each credit enable the design and construction of green homes of all sizes and types.IGBC Green Homes addresses green features under the following categories: v Site Selection and Planning v Water Efficiency v v v v Energy Efficiency Materials Indoor Environmental Quality Innovation & Design Process Different levels of green building certification are awarded based on the total credits earned. However, every Green Home should meet certain mandatory requirements, which are non-negotiable. The various levels of rating awarded are: v ‘Certified’ to recognise best practices v ‘Silver’ to recognise outstanding performance v ‘Gold’ to recognise national excellence v ‘Platinum’ to recognise global leadership a. When to use IGBC Green Homes IGBC Green Homes is designed primarily for new residential buildings.However, it is also applicable for existing buildings redesigned in accordance with the IGBC Green Homes criteria. The project team can evaluate all the possible points to apply under the rating system using a suitable checklist. The project can apply for IGBC Green Homes certification if it can meet all mandatory requirements and achieve the minimum required points. b. IGBC Green Homes Registration Project teams interested in IGBC Green Homes Certification for their project must first register with IGBC. Projects can be registered on IGBC website (www. igbc. in) under ‘IGBC Green Homes’. The website includes information on registration fee for IGBC member companies as well as non-members.Registration is the initial step which helps establish contact with IGBC and provides access to the required documents, templates, important communications and other necessary information. Consult the web site for important details about IGBC Green Homes application as well as the certification review process, schedule and fee. 14 c. IGBC Green Homes Certification Le vels The rating system caters to projects like individual houses, apartments, motels, resorts, hostels, etc. , Amongst the different types, projects are broadly classified into two categories: v Projects where interiors are part of scope of work v Projects where interiors are not part of the scope of work Interiors include but not limited to materials like interior finishes & furniture and appliances like refrigerators, fans, lights etc. As a general guideline, individual owners can use the checklist ‘Projects with Interiors’ and developers & builders can use the checklist titled ‘Projects without Interiors’. However, if the context varies, projects can adopt the one which is the closest fit. The threshold criteria for certification levels are as under: Certification Level Certified Silver Gold Platinum Points for projects with interiors 32 – 39 40 – 47 48 – 59 60 – 80 Points for projects without interiors 30 – 36 37 †“ 44 45 – 55 56 – 75 d. Documentation The project team is expected to provide supporting documents at each stage of submission for all the mandatory requirements and the credits attempted.Supporting documents are those which provide specific proof of meeting the required performance level, such as, specifications, drawings (in native format only), cutsheets, manufacturer’s literature, purchase invoices and other documents. These details are mentioned in this guide, under each credit / mandatory requirement. Documentation is submitted in two phases – design submittals and construction submittals: v The design submission involves those credits which can be evaluated at the design stage. The reference guide provides the list of design and construction phase credits. After the design submission, review is done by third party assessors and review comments would be provided within 40 working days. v The next phase involves submission of clarifications to desi gn queries and construction document submittal.The construction document is submitted on completion of the project. This review will also be provided within 40 working days, after which the rating is awarded. 15 It is important to note that the credits earned at the design review are only considered as anticipated and are not awarded until the final construction documents are submitted along with additional documents showing implementation of design features. If there are changes for any design credit anticipated, these changes need to be documented and resubmitted for the construction review phase. IGBC will recognise homes that achieve one of the rating levels with a formal letter of certification and a mountable plaque. e.Precertification Projects by developers can register for Precertification. This is an option provided for projects aspiring to get precertified at the design stage. The documentation submitted for precertification must detail the project design features which wi ll be implemented. The rating awarded under precertification is based on the project’s intention to conform to the requirements of Green Homes Rating system. It is important to note that the precertification rating awarded need not neccesarily correspond to the final certification. Precertified projects are required to provide the status of the project to IGBC, in relation to the rating, once in every six months until the award of the final rating.Precertification gives the owner/developer a unique advantage to market the project to potential buyers. Those projects which seek precertification need to submit the following documentation: †¢ †¢ †¢ †¢ For each credit, a narrative on how the project would meet the goal Design calculations, wherever appropriate Drawings (in native format only) as appropriate Filled in templates wherever applicable IGBC would take 40 working days to review the first set of precertification documents. On receiving the clarificatio ns posed in the first review, IGBC would take another 40 working days to award the precertification. A certificate and a letter are provided to projects on precertification. f.Credit Interpretation Ruling In some instances the design team can face certain challenges in applying or interpreting a mandatory requirement or a credit. It can also happen in cases where the project can opt to achieve the same goal through a different compliance route. To resolve this IGBC uses the process of ‘Credit Interpretation Ruling’ (CIR) to ensure that rulings are consistent and applicable to other projects as well. 16 The following are the steps to be followed in case the project team faces a problem: v Consult the Reference Guide for description of the credit goal, compliance options and calculations. v Review the goal of the credit or mandatory requirement and self-evaluate whether the project satisfies the goal. Review the Credit Interpretation web page for previous CIR on the relev ant credit or mandatory requirement. All projects registered under IGBC Green Homes will have access to this page. v If a similar CIR has not been addressed or does not answer the question sufficiently, submit a credit interpretation request. Only registered projects are eligible to post CIRs. Two CIRs are answered without levying any fee and for any CIR beyond the first two CIRs, a fee is levied. g. Appeal Generally credits get denied due to misinterpretation of the goal. On receipt of the final review, the project team has the option to appeal to IGBC for reassessment of denied credits or mandatory requirements.The documentation for the mandatory requirements or credits seeking appeal may be resubmitted to IGBC along with necessary fee. IGBC will take 40 working days to review such documentation. These submissions would be reviewed by an assessor not involved in the earlier assessments. Documentation for appeals should include the following i. Documentation submitted for design su bmission ii. Documentation submitted for construction submission iii. Clarifications along with necessary drawings and calculations VI. Fee Certification fee details can be found on IGBC website. VII. Updates and Addenda This is the first version of IGBC Green Homes Abridged Reference Guide. As the rating system continues to improve and evolve, updates and addenda to he reference guide will be made available through the website. These additions will be incorporated in the next version of the rating system. 17 Points Available Checklist for Green Homes Site Selection and Planning Local Regulations Soil Erosion Basic Amenities Natural Topography or Landscape : 15%, 25% Heat Island Effect – Roof : 50%, 75% Parking Facilities for Visitors Electric charging Facility for Vehicl es Design for Differently Abled Green Home Guidelines – Design & Post Occupancy Projects with Interiors Projects without Interiors Mandatory Requirement 1 Mandatory Requirement 2 Site Credit 1. 0 Site Credit 2. 0 Site Credit 3. 0 Site Credit 4. 0 Site Credit 5. 0 Site Credit 6. 0 Site Credit 7. 0Required Required 1 2 2 1 1 1 NA 8 Required Required 1 2 2 1 1 1 1 9 Required Required 2 1 2 2 3 3 3 3 1 20 Required Required 10 1 NA 3 1 4 1 1 21 Mandatory Requirement 1 Mandatory Requirement 2 Water Credit 1. 0 Water Credit 2. 0 Water Credit 3. 0 Water Credit 4. 0 Water Credit 5. 0 Water Credit 6. 0 Water Credit 7. 0 Water Credit 8. 0 Water Credit 9. 0 Water Efficiency Rainwater Harvesting, 50% Water Efficient Fixtures Turf Design : 20%, 40% Drought Tolerant Species : 25% Management of Irrigation System s Rainwater Harvesting : 75%,95% Grey Water Treatment : 50%, 75%, 95% Treated Grey Water for Landscaping : 50%, 75%, 95% Treated Grey Water forFlushing : 50%, 75%, 95% Water Efficient Fixtures : 20%, 30% Water Metering Energy Efficiency CFC Free Equipment Minimum Energy Performance Energy Performance Energy Metering Refrigerators Solar Water Heating Systems : 50%, 75%, 95% Captive Power Generation On-site Renewable Energy : 2. 5%, 5. 0%, 7. 5%, 10% Efficient luminaries & Lighting power density : 20% Energy Saving Measures in Other Appliances & Equipment Required Required 2 1 2 2 3 3 3 3 1 20 Mandatory Requirement 1 Mandatory Requirement 2 Energy Credit 1. 0 Energy Credit 2. 0 Energy Credit 3. 0 Energy Credit 4. 0 Energy Credit 5. 0 Energy Credit 6. 0 Energy Credit 7. 0 Energy Credit 8. 0 Required Required 10 1 1 3 1 4 1 1 22 18 Materials Mandatory Requirement 1 Material Credit 1. 0 Material Credit 2. 0 Material Credit 3. 0 Material Credit 4. 0 Materials Credit 5. 0 Material Credit 6. 0 Material Credit 7. Separation of Waste Waste Reduction During Construction : 75% Organic Waste Management, Post Occupancy : 50%, 95% Materials with Recycled Content : 10%, 20% Rapidly Renewable Materials : 2. 5%, 5% Local Materials : 50%, 75% Reuse of Salvaged Materials : 2. 5%, 5% Certified Wood Based Materials and Furniture : 50%, 75% Indoor Environmental Quality Tobacco Smoke Con trol Daylighting : 50% Fresh Air Ventilation Exhaust Systems Enhanced Fresh Air Ventilation : 30% Low VOC Materials Carpets : 5% Building Flush Out Daylighting : 75%, 85%, 95% Cross Ventilation Innovation and Design Process Innovation and Design Process Innovation and Design Process Innovation and Design Process IGBC AP Total Required 1 2 2 2 2 2 2 13 Mandatory Requirement 1 Mandatory Requirement 2 Mandatory Requirement 3 IEQ Credit 1. IEQ Credit 2. 0 IEQ Credit 3. 0 IEQ Credit 4. 0 IEQ Credit 5. 0 IEQ Credit 6. 0 IEQ Credit 7. 0 Required Required Required 2 2 2 1 1 3 2 13 INN Credit 1. 1 INN Credit 1. 2 INN Credit 1. 3 INN Credit 2. 0 1 1 1 1 4 80 Required 1 2 2 1 2 2 2 12 Required Required Required NA 2 2 NA NA 3 2 9 1 1 1 1 4 75 IGBC Green Homes Certification Levels Rating Certified Silver Gold Platinum Projects with Interiors 32 – 39 40 – 47 48 – 59 60 – 80 Points Projects without Interiors 30 – 36 37 – 44 45 – 55 56 – 75 1 9 SITE SELECTION AND PLANNING Site Selection and Planning 20 SITE SELECTION AND PLANNING Local Regulations Mandatory Requirement 1 Goal: Construction SubmittalTo ensure that the building complies with the required statutory regulatory codes. Compliance Options: The following measures need to be ensured: †¢ †¢ Approval of the plan from the competent Government authority Fit for occupancy document from the competent Government authority Documentation Required: Provide an approved plan and / or fit for occupancy documents obtained from the competent Government authority. Provide photographs / as-built drawings of the completed building. Approach and Methodologies: Survey the statutory requirements in the area that the building is constructed. Ensure that these requirements are incorporated at the design stage. 21 SITE SELECTION AND PLANNINGSoil Erosion Mandatory Requirement 2 Goal: To control soil erosion and thereby reduce negative impacts to the site. Compliance Options: Ad opt the following measures: Construction Submittal v Ensure erosion control measures that conform to the best management practices highlighted in the National Building Code (NBC) of India. v Ensure that topsoil is stockpiled for reuse later. v Develop appropriate measures to address soil erosion, post occupancy. Documentation Required: Provide photographs to show stockpiling of topsoil. Submit a description on the measures implemented / provide the erosion control plan adopted. Submit a post occupancy erosion control plan.Approach and Methodologies: Evolve strategies to stockpile top soil and reuse later for landscaping purpose or stockpiled soil can be donated to other sites for landscaping purpose. Consider adopting measures such as temporary and permanent seeding, mulching, earth dikes, silt fencing, sediment traps, and sediment basins as appropriate. Open areas can be landscaped (eg. , grass, trees, shrubs). Paved areas can be installed with permeable paving. For impermeable sur faces direct all run off towards storm water collection pits. 22 SITE SELECTION AND PLANNING Basic Amenities Site Credit 1. 0 Goal: Design Submittal Point: 1 To reduce the negative impacts from automobile use and enhance the overall quality of life by providing amenities.Compliance Options: Select a site with access to atleast five amenities, within a walking distance of 1 Km (see list in Exhibit A) AND In multi-dwelling units, provide seating area & toilets in the common area and tot-lots within the campus. Note: This point can be earned only if the amenities are available before or at the time of project completion. Documentation Required: Provide an area map (to scale) indicating the path and distances from the proposed building to the household amenities or public transport systems. Provide photographs. Approach and Methodologies: Select sites near public transit and / or household services and amenities that are accessible by safe, convenient pedestrian pathways. Only restauran ts can be counted twice and all other amenities to be considered only once. 23SITE SELECTION AND PLANNING Exhibit A – List of Basic Amenities †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ Grocery store Electrician / Plumbing services School Dhobi / Laundry Bank / ATM Creche Fitness Center /Gym Library Medical clinic / Hospital Pharmacy Post Office / Courier service Place of Worship Restaurant Supermarket Other neighborhood-serving retail Electricity / Water utility bills payment counter Playground Jogging track 24 SITE SELECTION AND PLANNING Natural Topography or Landscape : 15%, 25% Site Credit 2. 0 Goal: Construction Submittal Points: 2 Minimise disturbances to the building site so as to reduce long-term environmental impacts. Compliance Options: Avoid disturbance to site by etaining the natural topography of the site and / or design landscape for at least 15% of the site area. Points are awarded as below: Points for retaining natural topography or landscaping Percentage of site area with natural topography and/or landscaped area > 15% > 25% Notes: †¢ †¢ †¢ †¢ †¢ Parking areas, walkways etc. , are considered as site disturbances. Landscape refers to soft landscaping which include only vegetative materials. Natural topography in its broad sense means preserving natural features of the terrain. Landscaped areas over built structures such as roofs, basement etc cannot be considered for the purpose of calculation of landscaped area. Potted plants will not be considered as landscape. Points 1 2Documentation Required: Provide drawings, calculations and photographs showing the site area with natural topography (and / or) landscaped area. Approach and Methodologies: Design the building with a minimal footprint (by tightening design needs and stacking floor plans). Consider retaining the natural topography in the site or design landscape t o the extent possible. In sites which have fully grown trees, avoid destruction. Avoid developing paved surfaces on the site, as much as possible. 25 SITE SELECTION AND PLANNING Heat Island Effect – Roof : 50%, 75% Site Credit 3. 0 Goal: Construction Submittal Points: 2 Reduce heat islands (thermal gradient differences between developed and undeveloped areas) to minimise impact on microclimate.Compliance Options: Use material with high solar reflectance and thermal emittance (such as, white china mosaic or white cement tiles or any other highly reflective materials) and / or provide vegetation to cover atleast 50% of the exposed roof areas. Points are awarded as below: Points for Heat Island Effect – Roof Percentage of green roof/ high reflective material > 50% > 75% Note: Exposed roof area does not include areas occupied by equipment such as HVAC, solar water heater, photovoltaic etc. , Documentation Required: Provide roof drawings highlighting location and the extent of highly reflective roof materials / green roof provided.Approach and Methodologies: To maximise energy savings and minimise heat island effect, select materials that exhibit high reflectivity and high emissivity. Consider providing green roofs or using highly reflective materials over roof to reduce the heat island effect. Typical materials with high reflective properties include china mosaic, white cement tiles, paints with high Solar Reflective Index (SRI) values etc. , Points 1 2 26 SITE SELECTION AND PLANNING Parking Facilities for Visitors Site Credit 4. 0 Goal: Design Submittal Points: 1 To provide adequate parking within the site to minimise disturbance caused due to parking on public roads and thereby enhance quality of life.Compliance Options: Parking capacity to be provided as per local byelaws and parking for visitors to be provided as follows: †¢ †¢ For individual homes provide 1 visitor car park For multi-dwelling units provide an additional 10% parking are a over and above the local code, reserved for visitors only. Documentation Required: Provide calculations on parking provisions as per local regulations. Submit plans indicating the visitor car park area. Approach and Methodologies: Design the building to ensure adequate parking provisions are made to cater to the occupants as well as the visitors. Parking provisions should take into account two wheelers and four wheelers. While designing parking facilities, consider basement/ stilts parking to reduce the heat island effect. When surface parking is planned, consider permanent cover; or other design strategies to address heat island effect as a result of such provisions. 27SITE SELECTION AND PLANNING Electric Charging Facility for Vehicles Site Credit 5. 0 Goal: Design Submittal Point: 1 To encourage the use of electric vehicles to reduce pollution from automobile use. Compliance Options: Provide electric charging facility within the site, as follows: †¢ †¢ For individual h omes provide atleast one such facility For multi-dwelling units provide electric charging facility, to cover 10% of the total parking capacity reserved for building occupants and visitors. The electric charging facility should cater to both two wheelers and four wheelers. Documentation Required: Provide parking plans showing provisions for electric charging facility.Provide calculations demonstrating that these facilities meet the credit criteria. Approach and Methodologies: Survey the type of electric vehicles already plying on the roads and also survey the kind of vehicles which may come up in the future. Create facilities so as to charge these kinds of vehicles. Consider having adequate number of charging facilities based on the charging time. While considering such charging facilities, ensure that all safety aspects have been addressed. 28 SITE SELECTION AND PLANNING Design for Differently Abled Site Credit 6. 0 Goal: To ensure that the building can cater to differently abled pe ople Compliance Options: Design Submittal Point: 1The building design should incorporate the following provisions for differently abled people, as applicable: †¢ Appropriately designed preferred car parking spaces in an area which has easy access to the main entrance or closer to the lift (one parking space for every 100 dwelling units) Provision for easy access to the main entrance Uniformity in flooring level/ ramps in common areas Rest rooms (toilets) in common areas designed for differently abled people Braille and audio assistance in lifts for visually impaired people †¢ †¢ †¢ †¢ Documentation Required: Provide drawings showing provisions for differently abled people. Also submit photographs.Approach and Methodologies: Identify all probable facilities required to cater to differently abled people. Design the building to ensure that certain basic minimum provisions for differently abled people are incorporated. 29 SITE SELECTION AND PLANNING Green Home G uidelines – Design & Post Occupancy Site Credit 7. 0 Design Submittal Point: 1 Not applicable for projects with interiors Goal: Provide prospective buyers and occupants with descriptive guidelines that educate and help them implement green design features within their apartment / houses. Compliance Options: Marketing and design stage: Include green design features proposed along with details of the green homes rating pursued in the marketing brochures.Post Occupancy stage: Publish green home guidelines providing information that helps occupants to implement green ideas. Documentation Required: Provide a copy of the marketing brochure along with green design features. Also submit a copy of the ‘Green Home Guidelines’ which will be given to the occupants. Approach and Methodologies: Develop a summary of sustainable design features incorporated in the Green Home project. Also include tips and guidelines which can be considered by the occupants in designing the inter iors. 30 WATER EFFICIENCY Water Efficiency 31 WATER EFFICIENCY Rainwater Harvesting, 50% Mandatory Requirement 1 Goal: Construction SubmittalTo increase the ground water table or to reduce the usage of water through effective and appropriate rainwater management. Compliance Options: Provide rainwater harvesting or storage system to capture atleast 50% of the runoff volumes from the roof surfaces. In coastal areas where the groundwater table is shallow and water percolation is limited, collection tanks may be provided meeting the above requirement. Runoff coefficients for Typical Surface Types S. No 1 2 3 4 5 Note: For normal annual rainfall refer Metrological Department data at http://www. imd. gov. in Documentation Required: Provide details on the rainwater harvesting system specifying storage capacity and volume of water captured. Provide details of captured rainwater.Approach and Methodologies: Survey the water table in the area. Design appropriate harvesting system based on the sub-surface characteristics. Factors to be considered include weathering, fractures & joints for rocky sites and thickness of aquifer for sedimentary sites. Capture rainwater from roof top for reuse. The design should also include flushing arrangement to let out impurities in the first few showers. Such pollutants and impurities include paper waste, leaves, bird droppings, dust, etc. Surface Type Cemented/ tiled Roof Roofs Conventional Roof Garden ( 500 mm) Runoff Coefficient 0. 95 0. 95 0. 95 0. 30 0. 10 32 WATER EFFICIENCY Water Efficient Fixtures Mandatory Requirement 2Goal: To minimise indoor water usage by installing efficient water fixtures. Compliance Options: Construction Submittal Select water fixtures whose average flow rates / capacities meet the values mentioned in the table below: Baseline Flow Rates / Capacity for Water Fixtures in a Typical Household S. No 1 2 Items Flush fixtures Flow fixtures Units LPF LPM Base line average flow rates / capacity 6/3 12 * At a flowin g water pressure of 3 bar Notes: †¢ †¢ Flow fixtures include faucets, basin mixer, taps, showers, shower mixers. The baseline flows can be demonstrated at flowing water pressure of 3 bar. Flowing water pressure of 3bar does not mean that the water supply in the building is at 3 bar. The uilding fixtures can operate at lower pressures but to show compliance under this credit, the design flow rates are to be submitted at 3 bar. The average flow rate is a simple arithmetic average of all the respective flush / flow fixtures. †¢ Documentation Required: Submit data manual by product manufacturer to confirm that conditions above have been satisfied. Approach and Methodologies: While selecting water fixtures, look for the efficiencies. The product catalogue or the brochure may detail the flow rates at various pressures. Fixtures are available with ultra high efficiency which can reduce substantial quantity of water consumption. 33 WATER EFFICIENCY Turf Design : 20%, 40% Wate r Credit 1. 0Goal: To limit such landscape which consumes large quantities of water. Compliance Options: Design Submittal Points: 2 Limit the use of turf on the site so as to conserve water. Points are awarded as below. Points for Limited Use of Turf Turf area as a percentage of total landscaped area < 20% < 40% Points 2 1 Areas planted with turf should not exceed a slope of 25 percent (i. e. , a 4 to 1 slope). Notes: †¢ †¢ This point is applicable only for those projects which have atleast 15% of the site area landscaped. Landscape refers to soft landscaping which include only vegetative materials. Documentation Required: Provide a landscape plan specifying the species used.Provide photographs. Approach and Methodologies: During landscape design minimise turf to the extent possible. Select plants, shrubs and trees which consume less water. 34 WATER EFFICIENCY Drought Tolerant Species : 25% Water Credit 2. 0 Goal: Landscape to be designed to ensure minimum consumption of w ater. Compliance Options: Design Submittal Points: 1 Ensure that atleast 25% of the landscaped area is planted with drought tolerant species. Notes: †¢ †¢ This point is applicable only for those projects which have atleast 15% of the site/ plot area landscaped. Drought tolerant species are those species that do not require supplemental irrigation.Generally accepted time frame for temporary irrigation is one to two years. Documentation Required: Provide a landscape plan indicating the percentage of landscaped area which uses drought tolerant species. Also provide a list of the species used and highlight their drought tolerant nature. Approach and Methodologies: Select species that are well-adapted to the site. Select those species which are drought tolerant. Consider xeriscaping as an approach for landscaping. 35 WATER EFFICIENCY Management of Irrigation Systems Water Credit 3. 0 Goal: Construction Submittal Points: 2 Reduce the demand for irrigation water through water-eff icient management techniques.Compliance Options: (1 point for any three features) Provide highly efficient irrigation system incorporating atleast two features mentioned below: †¢ †¢ †¢ †¢ †¢ †¢ †¢ Provide a central shut-off valve Provide a moisture sensor controller Turf and each type of bedding area must be segregated into independent zones based on watering needs Atleast 50% of landscape planting beds must have drip irrigation system to reduce evaporation Install time based controller for the valves such that the evaporation loss is minimum and plant health is ensured Use pressure regulating devices to maintain optimal pressure to prevent water loss Any other innovative methods for watering Documentation Required: Provide a detailed description of managing the irrigation systems installed. Provide landscape plans with the names of the species. Provide cut sheets and photographs of the systems installed.Approach and Methodologies: The irrigation management system must be designed based on the requirements of the landscape plan, and installed as per the design. The designer and the installer must work together and ensure the planned performance of the system. 36 WATER EFFICIENCY Rainwater Harvesting, 75%, 95% Water Credit 4. 0 Goal: Construction Submittal Points: 2 To increase the ground water table or to reduce the usage of water through effective and appropriate rainwater management. Compliance Options: Provide rainwater harvesting system to capture roof water generated from roof area to utilize in landscape irrigation or indoor water usage. In coastal areas where the groundwater table is shallow and water percolation is limited, collection tanks may be provided meeting the above requirement.Points are awarded as below: Points for Rainwater Harvesting Rainwater Harvesting System to capture / recharge †¢ 75% runoff from roof area †¢ 95% runoff from roof area Notes: †¢ †¢ In areas where recharging the aqu ifier is not feasible, collection and reuse may be considered. For normal annual http://www. imd. gov. in rainfall refer Metrological Department data at Points 1 2 Documentation Required: Provide details on the rainwater harvesting system specifying storage capacity and volume of water captured. Provide details of captured rainwater. 37 WATER EFFICIENCY Approach and Methodologies: Survey the water table in the area. Design appropriate harvesting structure based on the sub-surface characteristics. Factors to be considered include weathering, fractures & joints for rocky sites and thickness of aquifer for sedimentary sites.Capture rainwater from roof top for reuse. The design should also include flushing arrangement to let out impurities in the first few showers. Such pollutants and impurities include paper waste, leaves, bird droppings, dust, etc. 38 WATER EFFICIENCY Grey Water Treatment : 50%, 75%, 95% Water Credit 5. 0 Goal: Construction Submittal Points: 3 Reduce the consumption o f water by in situ treatment of grey water generated so as not to pollute the municipal streams. Compliance Options: Provide an on-site grey water treatment system to treat atleast 50% of grey water generated in the building, to standards suitable for flushing and landscaping purpose.Points are awarded as below: Points for Grey Water Treatment Grey Water Treated as a Percentage of Total Grey Water generated in Building †¢ 50% †¢ 75% †¢ 95% Note: Grey water is neither clean nor heavily soiled waste water that comes from clothes washers, bathtub, showers, bathroom wash basins, kitchen sinks and dish washers. More specifically, it is the untreated waste water which has not come into contact with toilet waste. Documentation Required: Provide a detailed description of the on-site grey water treatment system. Provide photographs / cut sheets from the manufacturers. Provide water balance of the building. Provide details of usage of treated grey water within the building. Poi nts 2 3 39 WATER EFFICIENCY Approach and Methodologies: Calculate the grey water volumes generated in the building. Design appropriately the capacity of the on-site grey water treatment system. While designing the treatment system, ensure that the treated grey water meets the required quality standards based on its purpose of application. Have signages all around the building to caution occupants and housekeeping staff that this water is not potable. 40 WATER EFFICIENCY Treated Grey Water for Landscaping : 50%, 75%, 95% Water Credit 6. 0 Goal: Construction Submittal Points: 3 Reduce demand for fresh water by using treated grey water for landscaping.Compliance Options: Reduce atleast 50% of potable water requirement for landscaping by using treated grey water generated within the site. AND The treated grey water for reuse must conform to the quality standards as prescribed by Central / State Pollution Control Board. Points are awarded as below. Points for Treated Grey Water for Lands caping Percentage of Treated Grey Water Treated used for Landscaping †¢ 50% †¢ 75% †¢ 95% Points 1 2 3 Note: This point can be claimed only if the grey water that is reused is treated in situ. Documentation Required: Provide a detailed description of landscaping water requirement and how the treated grey water or rain water will meet this requirement. Also provide calculations on quantity and quality of grey water reused. 41WATER EFFICIENCY Approach and Methodologies: Install an adequately sized grey water treatment plant. Ensure that the quality of the treated grey water is fit and safe for reuse. Prioritise the use of treated grey water such that irrigation requirements are given top priority. Excess treated grey water can also be used for flushing and make-up water for air-conditioning systems. Ensure periodic testing of the treated water to meet the quality standards as prescribed by Central / State Pollution Control Board. 42 WATER EFFICIENCY Treated Grey Water f or Flushing : 50%, 75%, 95% Water Credit 7. 0 Goal: Construction Submittal Points: 3 Reduce demand for fresh water by using treated grey water for flushing requirements.Compliance Options: Provide separate water plumbing lines for flushing purpose and source atleast 50% of the flushing water requirements from the treated grey water available. AND The treated grey water for reuse must conform to the quality standards as prescribed by Central / State Pollution Control Board. Points are awarded as below. Points for Treated Grey Water for Flushing Percentage of Treated Grey Water Treated used for Flushing †¢ 50% †¢ 75% †¢ 95% Note: This point can be claimed only if the grey water that is reused is treated in situ. Documentation Required: Submit drawings showing separate plumbing lines for treated grey water. Provide calculations to show the quantity of grey water used for flushing.Points 1 2 3 43 WATER EFFICIENCY Approach and Methodologies: Evaluate the water consumption in the building and ascertain the quantity of grey water generated. Also evaluate the availability of grey water for flushing purposes and accordingly install the dual plumbing lines. Design the plumbing system accordingly. 44 WATER EFFICIENCY Water Efficient Fixtures : 20%, 30% Water Credit 8. 0 Goal: To minimise indoor water usage by installing efficient water fixtures. Compliance Options: Construction Submittal Points: 3 Select water fixtures whose average flow rates / capacities are lower than the given baseline values for all the items mentioned below.Points are awarded as below: Points for Water Efficient Flow Fixtures Points Awarded S. No 1 2 Items Flush fixtures Flow fixtures * Base line Average Flow / Capacity 6/3 12 Units LPF LPM Water consumption 20% lower than baseline 1 Water consumption 30% lower than baseline 1 2 * At a flowing water pressure of 3 bar Notes: †¢ †¢ Flow fixtures include faucets, basin mixer, taps, showers, shower mixers. The baseline flows ca n be demonstrated at flowing water pressure of 3 bar. Flowing water pressure of 3bar does not mean that the water supply in the building is at 3 bar. The building fixtures can operate at lower pressures but to show compliance under this credit, the design flow rates are to be submitted at 3 bar.The average flow rate is a simple arithmetic average of all the respective flush / flow fixtures. †¢ Documentation Required: Submit data manual by product manufacturer to confirm that conditions above have been satisfied. Provide calculations to show the percentage of water savings. 45 WATER EFFICIENCY Approach and Methodologies: While selecting water fixtures, look for the efficiencies. The product catalogue or the brochure may detail the flow rates at various pressures. Fixtures are available with ultra high efficiency which can reduce substantial quantity of water consumption. 46 WATER EFFICIENCY Water Metering Water Credit 9. 0 Goal: Design Submittal Points: 1To encourage continuous monitoring and enhance the performance of the residential dwelling unit(s). Compliance Options: Provide water meters for any three of the following: †¢ †¢ †¢ †¢ †¢ †¢ Treated grey water consumption Landscape water consumption Rain water reuse Airconditioning cooling tower make-up Hot water consumption Any other major source of water consumption such as, swimming pools, water fountain, common car wash facilities Documentation Required: Describe the metering equipment installed. Provide cut sheets for the meters installed. Approach and Methodologies: Identify all the major water consuming areas and install systems to monitor their consumptions.Develop and implement a measurement and verification mechanism to compare predicted water savings to actual water consumption. 47 ENERGY EFFICIENCY Energy Efficiency 48 ENERGY EFFICIENCY CFC-Free Equipment Mandatory Requirement 1 Goal: Design Submittal To avoid the use of such refrigerants and ozone layer depleting gases which will negatively impact the environment Compliance Options: Refrigerants used in Heating, Ventilation & Air-conditioning (HVAC) equipment and unitary air-conditioners installed must be CFC-free. Documentation Required: Provide a declaration signed by a responsible party declaring that the building HVAC systems do not use CFC based refrigerants. Approach and Methodologies: Survey the market for all CFC-free HVAC systems.Such systems are also available in smaller capacities. Install HVAC equipment which does not use CFC based refrigerant. 49 ENERGY EFFICIENCY Minimum Energy Performance Mandatory Requirement 2 Goal: Design Submittal Optimise energy efficiency of the building to reduce environmental impacts from excessive energy use. Compliance Options: The project should achieve the following minimum number of points as illustrated under the Energy Credit 1. 0: Type of Building Non Air-conditioned Air-conditioned Minimum number of points to be achieved 3 4 For further detail s, refer to Energy Credit 1. 0. 50 ENERGY EFFICIENCY Energy Performance Energy Credit 1. 0 Design Submittal Points: 10

Luca Pacioli

Fra Luca Bartolomeo de Pacioli (sometimes Paciolo) (1445–1514 or 1517) was an Italian mathematician and Franciscan friar, collaborator with Leonardo da Vinci, and seminal contributor to the field now known as accounting. He was also called Luca di Borgo after his birthplace, Borgo Santo Sepolcro, Tuscany. Luca Pacioli studied in Venice and Rome and became a Franciscan friar in the 1470s. He was a travelling mathematics tutor until 1497, when he accepted an invitation from Lodovico Sforza (â€Å"Il Moro†) to work in Milan. There he collaborated with, lived with, and taught mathematics to Leonardo da Vinci. In 1499, Pacioli and Leonardo were forced to flee Milan when Louis XII of France seized the city and drove their patron out. After that, Pacioli and Leonardo frequently traveled together. Upon return to his hometown, Pacioli died of old age in 1517. Pacioli published several works on mathematics, including: Summa de arithmetica, geometria, proportioni et proportionalita (Venice 1494), a synthesis of the mathematical knowledge of his time, is also notable for including the first published description of the method of keeping accounts that Venetian merchants used during the Italian Renaissance, known as the double-entry accounting system. Although Pacioli codified rather than invented this system, he is widely regarded as the â€Å"Father of Accounting†. The system he published included most of the accounting cycle as we know it today. He described the use of journals and ledgers, and warned that a person should not go to sleep at night until the debits equalled the credits. His ledger had accounts for assets (including receivables and inventories), liabilities, capital, income, and expenses—the account categories that are reported on an organization's balance sheet and income statement, respectively. He demonstrated year-end closing entries and proposed that a trial balance be used to prove a balanced ledger. Also, his treatise touches on a wide range of related topics from accounting ethics to cost accounting.

Alcoholism and Its Effects on a Family Essay - 1592 Words

Alcoholism and Its Effects on a Family Alcoholism, although thought mostly of its impact on the alcoholic themselves, it is also a very present problem in the ruining of his or her friends and their families lives. Someone who may be a fully functional, great person to his or her family may be extremely dangerous, dishonest, and destructive while they are under the influence of alcohol. This instance occurs in The Glass Castle with Rex Walls and also occurs regularly in our society today, such as abusive parents, and husbands. Without alcohol Rex was intelligent, responsible, honest, and a overall†¦show more content†¦This entry parallels Rex Walls behavior by showing the outcome and the effects on a family suffering from a father or husband abusing alcohol and becoming a destructive monstrosity. Congruent to the article previously mentione d, Rex Walls demise in the Glass Castle is imposed to of been caused by his excessive drinking during his life. The fact was that, although Dad was only fifty- nine, he had been smoking four packs of cigarettes a day since he was thirteen, and by this time he was also putting away a good two quarts of booze daily. He was, as he had put it many a time, completely pickled.(Walls 278- 279) Considering the circumstances Rex Walls was fortunate that he had lived as long as he did. Although alcohol plays a substantial part in physical and mental destruction, it also has caused Rex and a cornucopia of other alcoholics to be dishonest and break promises. The most essential promise was that he would construct a Glass castle for their family to reside in. 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