Hobson’s Choice Essay

Maggie. Yes, Maggie†¦ You’re growing on me lass. ‘ In act three we see that the wedding reception is a small and simple one. This tells the audience that Maggie is not one for wasting money and does not mind having the party in the cellars. As the play moves on, the audience starts to see a change in Willie, You’re making a great mistake, Mr. Hobson. ‘ Willie also starts to take the upper hand with Hobson, ‘Sit down, Mr. Hobson. ‘ The change in him is all down to Maggie; she has pride in Willie and believes in him. Their marriage is originally more of a business arrangement but it starts to ecome more of marriage of equal partners. When Hobson comes over to seek help, Maggie is sure to talk to Will first, Will it’s my father. Is he to come in? Maggie and Will work together to make Hobson feel ashamed of his drinking and lead him into giving marriage settlements to her younger sisters. The audience will warm to Maggie over the way he skilfully gets her own back on her father. When Maggie deals with her father’s â€Å"problem†, she is in control and the audience, clearly see that she and Will are working together as a team, ‘Do you think it will get in the paper Maggie?†¦ Yes, for sure. ‘ Will has come a long way as he was previously described as ‘stunted mentally by a brutalised childhood. ‘ Even though Maggie’s plan has gone well in getting Hobson to give the settlement money over as a fine for trespassing, she shows that she cares for her sisters. Maggie does not let Albert Prosser take the thousand pounds he originally asks for, You needn’t be greedy. ‘ She also threatens to counter-sue and confirms the original settlement of five hundred pounds. We see a softer more sentimental side of Maggie when she throws away the hot ouse flowers but keeps one to press in her bible. To finish the act, Brighouse returns to the comedy of when Will has to be led to bed ‘by the ear. ‘ Although Maggie is clearly in charge in this respect, it contains an element of affection and humour plus this would also make her character a likeable one. At the start of Act Four, we see that Hobson is ill. Tubby tries to help by suggesting for Maggie to come over. ‘Shall I go for Miss Maggie sir? The opinion is agreed by the doctor, ‘l don’t know who this Maggie is, but I prescribe her. ‘ When Maggie and her sisters find that Hobson needs looking after, Vickey and Alice try to get Maggie to do it. Alice says, ‘I don’t think I can be expected to come back to this after what IVe been used to. ‘ Hobson tries to offer an unfair, mean deal to Maggie and Will to take care of him but Maggie quickly says, ‘If he goes, I go with him father,’ as the bribe is poor. The audience notice how Will has become a true gentleman with the help from Maggie, You’re the man IVe made you and I’m proud. When Will tries to replace Maggie’s brass ring for a gold one, Maggie does not ish to give it up. That brass ring stays where you put it. ‘ This shows the audience a sense of sentimentality. The play ends with Hobson as a sleeping partner, in Will’s business. Will, amazed, closes the act and the play with the words, W ell by gum! ‘ At the end of the play, the audience sees that Maggie as more of a likeable character. She is portrayed, by Brighouse, as a successful businesswoman – strange for a lady in her point in time. Brighouse shows Maggie can be fair and compassionate with other characters.

Building a ‘Beauty Brand’ Veet India Essay

Building a ‘Beauty Brand’ Veet India – Beyond Hair Removal Executive Summary The solution attempts to address the transition of Veet from a hair removal brand to a true beauty brand. Starting with a study of the depilatories market in India and Veet’s growth over the years to create a platform, the results of the primary research have been presented. The primary research was a combination of questionnaire based research and PAPIs (paper aided personal interviews). The brand awareness of Veet was measured through both recognition and recall of the brand. The salience for the competitor brands like Anne French and Fem were also analyzed. Responses were gathered to identify the preferred usage locations of hair removal products. The product attribute associations, both positive and negative, were measured. An assessment of the brand personality was also undertaken by means of projective market research techniques. A combination of the strong functional values along with the emotional benefits was used to identify the key categories that were suited for brand extension. Elimination of product categories were based on reasoning related to inappropriate associations as well as data on market dynamics achieved from secondary research. Finally, three extensions in two phases have been proposed with a market potential study for each. Highlights of the communication strategies have also been proposed. The recommended strategy aims to initialize the transition of Veet as a true beauty brand in the coming years. Contents Executive Summary2 Introduction3 Hair Removal Market in India3 Veet in India6 Veet – Brand Image6 Primary Research & Data Analysis7 Research Overview7 Data Analysis8 Brand Equity, Brand Personality & Possible Extensions12 Brand Equity12 Brand Personality Model12 PossibLe Extensions13 RoadmaP & Positioning16 Brand Extension plan16 Positioning In New Segments17 Conclusion19 Introduction Personal care sector covers segments like hair care, body care, baby care etc. In India this sector is currently valued at around INR 320 billion and is posting robust growth year-on-year. Veet is player in the niche depilatories segment within this market. Hair Removal Market in India Hair Removal or depilatories segment in India is relatively niche segment. It is valued at around INR 4 billion which means its contribution to the personal care market is a modest 1. 27%. While the market size is small the segment has tremendous potential and has been seeing robust growth year on year. As seen above, the segment was a ‘late bloomer’ showing exponential growth in 2004-05 and in 2006-07. Over the past few years year on year growth has stabilized around 19%. To better understand the nuances of this segment one must look at target consumer segments as well as the competing brands in this space. Brands in Depilatory Segment The brands dominating this segment are: Anne French dominated this category as the first mover and the only player for almost 4 decades. Anne French’s product positioning was primarily functional showing usage and highlighting product attributes. The entry of Veet in 2004 changed the face of the market with player moving from product centric, functional adverts to emotional benefits. Veet’s entry and new positioning strategy also explains the 60% y-o-y growth spurt in 2004-05. Currently Veet is the market leader in hair removal creams with a market share of around 34. 1%. Fem is the market challenger with its presence in hair removal creams and bleaching products. Target ConSumer Segments The penetration of hair removal products is relatively low with the young, single, educated and urban women being the prime users. * With a 68% category penetration there is enormous untapped potential in the segment. However this potential can only be realized with category expansion. * Increasing urbanization and more women entering the main stream white collar work force Growth in consumer base is on the cards

Bullying At School

Unfortunately we cannot deny the existence of bullying among children. According to the American Psychological Association, forty to eighty percent of school-age children experience bullying at some point during their school careers. Bullying is unwanted, aggressive behavior among school aged children that involves a real or perceived power imbalance according to the Stopbullying Website, A federal government website managed by the U. S. Department of Health and Human Services. Four different type of bullying are physical, verbal, covert, and cyberbullying.Bullying leaves physical and psychological consequences on the victim, bully, and also other children involved. Different kinds of bullying have short term and long term consequences that temporarily and permanently affect the bully and the bullied. There are four basic forms of bullying among the children. The first and most typical kind of bullying is physical bullying; this kind of bullying includes any physical contact like pun ching, hitting, pushing, or any other forms of physical abuse.Taking and destroying other children’s belongings by force is considered a kind of physical bullying. The second kind of bullying is verbal bullying, such as using humiliating names, joking about the person’s parents, religion, gender, or the way that they look. A good example of this kind of bullying is making fun of the way another kid walks, runs, or even talks. The third kind of bullying is covert bullying like spreading rumors or stories about someone else. For example a rumor like a boy in your class is a bed wetter or plays with dolls.Also excluding someone from a group or team, and threatening to such level that the victim does whatever bully request other examples of covert are bullying. The most recent form of bullying is cyber bullying. Cyber Bullying is done by sending messages, pictures, emails, text or any information using electronic devices like computers or cell phones. As a result of short- term and long-term consequences of being bullied the victim will experience immediate physical or mental health issues and more serious problems in the future.The bullying victims have more sleeping difficulty, dropping grades, sadness, low self esteem and headaches. In general, the victims have few or no friends due to their anxiety level and their feeling of isolation. Feeling lonely and sad can have an effect on the victim’s learning abilities as well as school success; the victim becomes afraid of going to school or work. Another result of bullying is that the victim might become violent towards him or her selves and other children, and it is a huge possibility that a lot of school shootings can be related to this issue.In some cases bullying can go on for a long period of time and the victim can have thoughts of suicide and possibly commit a suicide. A recent incident of committing a suicide because of bullying was a thirteen year old girl, who was bullied by her girl fr iends in the school. According to New York Daily News, she committed suicide by jumping off a cement factory tower on September 10, 2013, in Florida. Long-term consequences can be almost as bad for the bully as for the bullied. Bullies are more prone to criminal behavior than others and are more likely to end up using alcohol or drugs in adolescence and as adults.For example while they are kids they may commit shop lifting or drop out of school; also as a grownup they may using a gun to prove their domination on other people, getting involve in physical fights, or doing other violence activities. It is very hard for bullies to deal with other people who are physically stronger. The Bullies cannot accept to be a victim, so they try hard to overcome the stronger opponent and to ignore embarrassment in front of other children by even getting into a big trouble or committing a crime.Also engaging in early sexual activity is another risky behavior of the bully children. The bully’ s desire for power will affect their behavior with their wife and children in the future such as being abusive toward their romantic partners, spouses, or children as adults. However, some of the adult bullies will regret their behavior, and as a result of becoming depressed and weak, they will commit a suicide. Some people think that bullying is a part of childhood, and children will become stronger and learn to stand up for themselves.However, a lot of research shows that bullying in fact can cause negative social, emotional, and academic consequences. The four basic kinds of bullying are physical, verbal, covert, and cyberbullying which all have a profound effect on children’s lives. Depression, anxiety, sadness, and loneliness are some of the negative effects of being bullied. In contrast, drugs and alcohol abuse, criminal convictions, and violent behaviors are some of the negative effects of bully children.The best way to address bullying is to stop it before it starts. If bullying behaviors happen in the school, the bully and the victim’s parents and school officials must meet immediately. They should solve the matter through child adviser and find out the reasons behind the behavior. They are responsible to show the students how important this issue is and what are the consequences of the bullying behavior. Also all parents must educate themselves and their children about the bullying behavior, and even use professional help if it is needed.

Eliminating Speed Limits Essay Example | Topics and Well Written Essays - 500 words

Eliminating Speed Limits - Essay Example They claim that the only purpose served by the imposition of speed limits is in terms of revenue generated for the state in terms of fines collected for traffic violations. At the other end of the spectrum, it is argued that speeding is the major cause of road fatalities. "Speeding reduces a driver's ability to steer safely around curves or objects in the roadway, extends the distance necessary to stop a vehicle, and increases the distance a vehicle travels while a driver reacts to a dangerous situation." (NHTSA1). Apart from the reduction in fatalities, environmental concerns are also to be considered while reviewing the need for speed limits. The Slower Speed Initiative (SSI), a UK based program, says, "reducing speed limits is the only single most effective measure to reduce carbon emissionsreduced speed would mean, increased road safety, reduced road danger, fuel consumption, noise and encouragement for walking, cycling and public transport" (SSI). Germany is the only industrialized nation in the world that does not have a speed limit for its motorists on its famed Autobahns. However, stricter laws and stringent enforcement of rules accompany this.

Construction Cost Control & Management Coursework

Construction Cost Control & Management - Coursework Example Activity Duration in days Earliest start time Latest start time Total float AB 5 0 0 0 BC 5 5 6 1 CD 7 11 11 0 CE 5 11 11 0 DF 4 18 18 0 FG 5 22 22 0 FH 5 22 22 0 FI 4 20 22 2 FJ 7 22 22 0 JK 11 29 29 0 KL 6 40 40 0 KM 8 40 40 0 MN 5 48 48 0 LO 7 46 46 0 OP 6 53 53 0 PQ 3 59 59 0 2 (a) How the Contract Sum can be adjusted in accordance with the JCT form of contract JCT means Joint Contracts Tribunal, the bylaw applied to contractors and architects in fulfillment of contract conditions. According to Article 2 of the JCT contract forms, the contractor is given an option of adjusting the contract sum as per the agreement in the contract form. The sum of money in the form is exclusive of VAT, meaning that, the payment of VAT can be added to the sum if necessary. The extent to which it affects the contractor depends on his or her ability to reclaim the VAT money. According to Clause 5.2, the contractor can reclaim the contract sum in regard to work and labor involved in the contract (Neil , Baylis, 1999). The fact that the economy does not remain constant might bring a lot of complications in the contract. Changes in the value of currency and inflation are unpredictable and, therefore; one side of the parties involved might end up losing while the other one gains substantially. It is due to this reasons that certain formulas are provided to calculate the fluctuations. Although the contracts are based on fixed prices, adjustments are done in regard to changes in levies, taxes and duties imposed to the contract materials, tools, equipments and machineries. However, careful drafting and contract sum analysis must be done to facilitate effective amendment and adjustments when the... In conclusion of the research, the PERT chart has been critically used to schedule, organize, and coordinate the tasks in this project. It has effectively ascertained the expected time of the project for effective planning and accountability of time and estimation of resources and cost. From the analysis, the pessimistic, normal and optimistic time were estimated. This was critical in showing the various activities keeping in mind their dependence to each other and particular independence. From the analysis with help of the PERT diagram, the critical path procedure shows that the estimated longest time to complete the project will be 63 days. The NPV of projects X and Y were found to be 20.60 and 1041.90 respectively. The excavator used during the project should not be more than 5 years old, this for efficiency purposes and minimization of loss. With respect financial analysis, the tender documents of the contracting organization ought not to be complicated. The standard nature of th e documents will ascertain the value of the credit and cash flow of the contract period. The currency of operation is also critical in the sense conversion rate; therefore if contractor and employer are working on different currencies, risk measures should be taken into account prior to tendering and signing of contract. Consequently, issues prompting increment of project value have been discussed and shown clearly how the contractor can claim for additional cash. This is imperative for loss minimization in the process of project implementation.

Project Management - Business Research Methods Essay

Project Management - Business Research Methods - Essay Example A novel (N) research question confirms, refutes or extends existing knowledge from previous research work (Foddy 1993). It should be stated in ethical terms (E) and forming a basis of acceptable research issues with the intention of developing intellectual information while respecting leadership within the scope. Relevant (R) information from the research is evaluated on value added to current of future research. An appropriate research question for this project would be: To what extent is project management implemented in organizations and how does this impact on project success? The text selected contains relevant information because it is a report on a qualitative research into project management practice in business organizations (Cassell & Symon 1994). Main objectives for the qualitative research include: i. Which practice within forma PM standards are being used by practitioners and is there variation in extent of use of different practices? ii. Does project context influence P M standards implemented? iii. Is there a valid relationship between PM standard practice and project success? (Papke-shield, Beise & Quan 2009 p 1-13). A critical analysis of this text generates relevant responses to the research question on the specific target population being project managers who are expected to being in charge of organizational projects (Foddy 1993). Evaluating relative significance of details provided in the text guides critical evaluation of current trends in PM practice and evidence supporting such events. Result reliability is handled by the use of wide population sample from a registered project management association with membership from different industries. Correlation of quantitative data into deriving field practice information provides an insight into how statistical information can be interpreted in business research into relevant conclusions (Papke-shield, Beise & Quan 2009 p 1-13). The text provides a standard perspective of actual PM practice in th e region studies highlighting existing information deficits which could form a basis for further investigation. Question2 The business management journal is a research oriented report based on empirical information from a survey done in the project management institute Baltimore chapter. Factual information on real projects formed the basis for the data analysis to derive informed conclusion on PM practices. The objective of the survey was to assess the extent of policy implementation and its impact of the project and business success (Foddy 1993). However, the report borrows widely from existing project management policies and theoretical information such as the PMI guidelines and PM theories suggested by other authors (Papke-shield, Beise & Quan 2009 p 1-13). Comparing suggested idea in practice against actual implementation provided a basis to evaluate transmission of theoretical knowledge in the business context and the effect on effectiveness and efficiency of business projects (Jankowicz 2006). This report expound on findings from previous investigations hence developing of the information available for practitioners reference in improving training and service delivery. Question3 From the literature analysis, it

Writing in the Visual Age Research Paper Example | Topics and Well Written Essays - 1750 words

Writing in the Visual Age - Research Paper Example While some emphasize the need to essentially teach rhetorical analysis of images to the students of a writing class, others advocate the importance of aural or textual messages by claiming that no matter how skillfully designed, pictures or images should not be considered to be more capable both emotionally and informatively in comparison to words. Those favoring the newly introduced development of visual rhetoric stress on the importance of photographs and deem them as elements significantly capable of providing more obvious evidence to the public. This paper is basically an attempt to explain why visual rhetoric should be taught as part of a writing class while also acknowledging the opposing ideas put forward by critics weighing the credibility of visual rhetoric in a writing class. This paper will also include some suggestions about how effective actions could be made to enhance the position and validity of visual rhetoric in context of composition studies. This is important beca use though some people might be able to institute change on some levels, it again leaves many educationists and teachers to deal with depressing frustration when visual communication fails to stick for long. I... isually demonstrate how Europe brought the light of literacy and humanity to the dark land of Congo, she filled the star in the flag with very meaningful images of slavery and explorers and the blue field around it with several though-provoking and informative images of old African art. Such useful incorporation of visual rhetoric not only must have delivered more inspirational, interesting, informative, and emotional lesson to the class but it also must have made the whole class remember the logic behind the flag’s design for a longer period. This is understandable as in contrast to a teacher who likes to simply stand behind the rostrum sticking to very conventional and orthodox teaching strategies is certainly much less likely to convey a deeper understanding of a subject to his/her students than a teacher who prefers to institute change and benefit from strategies like using visual rhetoric to demonstrate the meaning and logic behind a concept. Majority of the researchers a t the Wharton School of Business concluded after comparing verbal presentations to visual presentations that â€Å"presenters who combined visual and verbal components were more persuasive† (MacroVU, Inc.). Students are much more likely to reason with a complex dilemma which might be puzzling them when teachers feel motivated to visually explain the confusing parts which is why visual rhetoric should be taught as part of a writing class. It is claimed by Williams in support of the visual mode of communication that this mode literally challenges the people to both see and perceive an image in many different new ways unlike verbal or textual messages (18). Visual communication is the name of a very reasonable and self-evident strategy which should not be underestimated. The research stresses that

Quasi Zenith and Beidou2 Satellite systems Essay

Quasi Zenith and Beidou2 Satellite systems - Essay Example The GPS or Global Positioning System, which first became popular as a means of car navigation have become widespread with their integration in mobile phones. A navigation signal can point to an exact location with the help of at least four satellites but in areas whose geographical terrains are populated with mountains, the satellites signals can be hampered by their presence and the same is true in urban areas where skyscrapers abound. Mountains, skyscrapers and other tall structures, manmade or otherwise, can cause signal errors. The QZSS and the BeiDou-2 Satellite Systems were launched to remedy such situations. In 2003, Japan launched the Quasi-Zenith Satellite System that will provide a regional satellite positioning service in addition to communication and broadcasting services. This is the first satellite positioning of Japan and it is a joint effort of government and private sectors. The Advanced Satellite Business Corporation or ASBC is a private company that is tasked with the development and operation of the communications and broadcasting functions of the satellite system. Four ministries of the Government, on the other hand, are tasked with the development of the satellite positioning system.

Pain from Free Trade Spurs Second Thoughts by David Wessel and Bob Assignment

Pain from Free Trade Spurs Second Thoughts by David Wessel and Bob Davis - Assignment Example Mr. Alan S. Blinder a former Federal Reserve Board vice chairman along was a protagonist of free trade along with many other economists. Such a turnaround stems from the echoes of resentment among the employed middle class on the threat posed to their secure employment through the estimate â€Å"30 million and 40 million jobs are vulnerable†. Free trade was touted as good for American business and American consumers. American businesses were expected to do better from using the cheap labor in the developed worlds, while the America consumer would benefit from the lowering of costs. Yes, free trade has done that, but the average American consumers are losing employment from outsourcing of jobs that were not expected to leave the shores of the country. Manufacturing was anticipated as the major aspect of outsourcing, while the expectations were that white collar jobs were would not be affected. However, the actual story has been different along with outsourcing of manufacturing there has been a strong flow of white-collar jobs to countries like India and China, where the skill sets for these jobs are present and cost less. So why did this happen? It is not that free trade is bad, but the changes that would result were not truly anticipated, hence the preparations to face the challenge of change was not adequate. Mere retraining of employee skills is insufficient. The instilling of higher knowledge and skills has to go down to the grass root level, which means that appropriate changes to education have to be put in place.

Attending a Religious Service Assignment Example | Topics and Well Written Essays - 750 words

Attending a Religious Service - Assignment Example Indeed, they are significantly different from any other building in the area and they look much like a place where religious ceremonies are held. When I pulled up to the building, my first impression was the astonishment. Indeed, the church looked like a place I have never seen before: there was something spiritual in every aspect of it. I stood for a while thinking that unlike other people who came there to pray, I went to conduct a sociological analysis. In addition to that, the architecture greatly added to the religious feeling of the place: a big cross on the very top of the dome suggested that this was a Christian building. Other elements of the structure made a significant difference between the facility and the building nearby. All in all, an Orthodox Christian church looked like a suitable place to worship. Having entered inside, one of my first impressions focused on the general atmosphere of the place: people seemed to have forgotten the world outside the church and put all their efforts into praying and practicing their faith. Indeed, everyone was tried to listen to the service and not to be distracted by anything else. Thus, the nature of worship relied on performing various rituals which were combined in one complex service. In addition to that, each of the rites had a specific significance which put emphasis on a certain part of the service, allowing people to pay attention to different aspects of it. Nevertheless, one might suggest that there could be the overall religious program identified. Thus, at first people would praise the Lord and thank Him for allowing them to gather together. Then they would read certain passages from the Bible and they will be interpreted in the chants which were sung by the choir. Finally, the priest would walk up to the crowd of the believers and p reach. The message of the day when I attended was focused on the necessity to forgive other people even though it may be hard. The

DETAILS OF ASSIGNMENTS Essay Example | Topics and Well Written Essays - 2500 words

DETAILS OF ASSIGNMENTS - Essay Example Combined with unprofessional clinicians that provided support, I found a new lease on dying and the processes involved that have far-reaching consequences on family and the victim. Most children do not think of death and dying nor contemplate its somewhat grotesque cultural symbolism, instead they are too busy considering peer relationships or the receipt of their next reward for good behaviour. Perceptions of death at the childhood level are usually ambiguous sensations that occur when exposed to different death scenarios, such as the loss of a distanced great-grandmother. It is not until adulthood arrives that the individual begins to think about death, reinforced by different retirement packages offered by companies or other cultural symbols, and wonders about the realities of death as an unstoppable outcome to living. I have always had a form of thanaphobia, which is fear of dying or death, and of the dead (Aiken, 2000). It is likely a product of different media images, such as Michael Jackson’s â€Å"Thriller† which depicts the gruesome, mangled aspects of death that come from decomposition. Perhaps it was built as a combination of different stimuli related to death, such as news reports that highlight the crushed automobile that reinforce our absolute frailty as human beings. Until Aunt Linda was diagnosed with cancer, I had been able to calm my mild thanaphobia and just accept that it would be an eventual part of my life cycle that should be accepted, but rarely reflected upon. It was her response to having terminal cancer and the emotional phases that this once-vibrant woman went through that forever changed my view of dying and transformed mild thanaphobia into a full-blown case of it. When an individual is told they have a terminal illness, they often reach a stage in coping referred to as anger, where the individual looks for someone to fault for their problem, such as the doctor, God, or anyone they

Source based questions on the Vietnam war 1960 Essay Example for Free

Source based questions on the Vietnam war 1960 Essay According to source G, results of opinion polls in the USA in the 1960s Vietnam was one of the most important problems facing the USA. This also shows in source F because 64% of people said television coverage made them want to back the boys in Vietnam while 26% felt moved to oppose the war. The safer film made peoples opinions change because through television they could see what was really going on out there so peoples interests about the war increased. Increasing exposure to the war may have changed opinions about the war because like safers film it showed what was really going on because in safers film soldiers were shot by their own men and they were killing innocent Vietnamese people for no reason. Source H shows a letter written by a U. S soldier fighting in Vietnam in 1969 and he is saying about how fed up he is with the war and having to go to sleep and listen to rockets and mortars and artillery then having to wake up to fight and see soldiers at the age of 18 and 19 being killed and having their lives cut off. His attitude to the war is that he is sick of it all and when people hear about this back in the USA their opinions probably changed. I think this soldiers views are probably shared by a lot of other soldiers when they are writing home. The soldiers families probably felt scared for the soldier and worrying if he will survive and this will probably change their opinions about the war. Source I is about American troops going in and killing innocent Vietnamese people in My Lai. The event occurred in March 1968 but was not published until January 1970. There might have been a delay in publishing details of this event because if the article was published then Americans would have questioned the soldiers tactics and it probably would have changed a lot of American opinions. The authorities delayed the publication of the article because it would have reflected badly on the soldiers and Americans would have started to question American involvement in the war. Source J is a picture from the My Lai Massacre and it shows a thirteen-year-old girl hanging on to her mother after a soldier stripped her. The picture creates a disgraceful impression on the American army and people probably wonder why the soldier done it. I dont think this picture was likely to appear in an American newspaper or magazine because people would have been horrified and ashamed of the soldier. If it were published it would have changed peoples opinions of the war. Source K is an anti-war song written by Country Joe Mc Donald in 1967. Anti-war songs were popular in the late 1960s and early 1970s. I think anti-war songs were popular at this time, particularly among young people because they wanted the war to stop because there were so many people getting killed in Vietnam and it was the young people who were being called up to fight for the war and they didnt want to. Anti-war songs were heard by large numbers of people on radio stations, cassettes or at concerts so it might have influenced people to think more about the war. Source K is a bit like Source H because Source H reached large numbers of people like Source K, they both express attitudes of opposition towards the war and they both might have made people change their views about the war. Source L is a political cartoon published in the USA in 1969. The cartoonist is making a serious point but is trying to make the point in a funny way. People usually remember funny things so the cartoonist wants people to remember this point. In the cartoon you see a salesman wearing an American suit and trying to sell it to a Vietnamese man by telling him all about it but the Vietnamese man says it doesnt fit. The cartoonist is making points like Americans want the Vietnamese to be like them, Americans and Vietnamese are different from each other and America is a big rich country but Vietnam is a small poor country. I have now examined a variety of sources, G, H, I, J, K and L. All these sources give reasons why opinions changed during the war. I think the most important reason for peoples opinions changing during the war were television and things like safers film.

Importance of Studying Child and Adolescent Development

Importance of Studying Child and Adolescent Development Cognitive developmental theories are based on research that indicates an individuals development from birth to adulthood. It was once believed that babies werent aware of their surroundings until they started to learn to speak, however we all know this isnt the case and researchers have proved this theory in a number of studies. From birth through infancy and into adulthood we constantly develop and learn from genetic and learned factors. As children grow into adolescents and then into adults, individual and innate characteristics (hereditary) and life experience (environment) play an increasing role as children adapt to internal and external conditionsà ¢Ã¢â€š ¬Ã‚ ¦ (Papalia, Olds, Wendkos, Feldman, Duskinn p 12) We learn from our surroundings as well as from inherited traits. This paper examines three cognitive theories namely Piagets Cognitive Theory, Social Cognitive Theory and Eriksons Cognitive Theory. This paper examines the key points and postulates of the theories, the basic similarities and differences between the theories. It is very significant to understand the relationships between adolescent and child development for the proper rearing of an individual. This paper also explains the reason for this. Piagets Cognitive Stage Theory Psychologist and life scientist, Jean Piaget, formed a theory that was based on the fact that children go through 4 developmental stages from birth to the age of 15. His research was done on his own children of which he formulated his conclusion of how a developing child perceives the world around them. His theory concerned the growth of intelligence which for Piaget, meant the ability to more accurately represent the world and perform logical operations on representations of concepts grounded in the world. (Nation Master Encyclopedia 2005). Jean Piagets 4 stages of development are as follows: Sensorimotor Stage This stage involves children from birth to the age of two. The baby establishes an apprehension of herself or himself and realism (and the way matters work) by encounters with the surroundings and ecology.(Learning Theories Knowledge Base 2009). This stage is when a baby starts to identify the difference between right and wrong, and yes and no. Because they can relate to a wide range of viewpoints, they no longer feel that there is an absolute standard of right and wrong (Papalia, Olds, Wendkos, Feldman, Duskinn p. 355). The baby is capable of distinguishing between herself or himself and various other substances around. The cognitive process happens through absorption (the arrangement of entropy and absorbing it into subsisting scheme) and adjustment (when a substance cannot be absorbed and the schemes have to be altered to admit the substance). Preoperational Stage This stage comprises children from the age of two to four. The infant is still not capable of conceiving theoretically and requires strong physical circumstances. Substances are relegated in simple methods, particularly by significant characteristics. During this stage it is said that a child has the inability to be able to put themselves in others shoes. They think that everyone else feels the same way they do when they are feeling a certain way. The child is typically described as being egocentric during this phase. Egocentrism refers to the childs inability to see a situation from another persons point of view. According to Piaget, the egocentric child assumes that other people see, hear and feel exactly the same as the child does. (McLeod 2007). Concrete Operations This stage comprises children between the ages of seven to eleven. Jean Piagets concrete operational approach is the third of four stages. According to Piaget this stage of development begins at around age seven and ends at about age eleven.During this time, children gain a better understanding of mental operations, children begin thinking logically about concrete events, but have difficulty understanding abstract or hypothetical concepts (Van Wagner 2005). This stage is seen beginning at the elementary years. The infant initiates to conceive theoretically and gestating, making coherent structures that explicate her or his physical encounters. Formal Operations This stage comprises children between the ages of eleven to fifteen. This child learns to think creatively and logically putting outcomes to particular actions. By this particular stage, the individual no longer needs strong substances to decide intellectual assessments. He or she is able to reason with deduction and hypothesis. As adolescents enter this stage, they gain the ability to think in an abstract manner, the ability to combine and classify items in a more sophisticated way. (McLeod 2007). Piaget used a series of experimental data from a number of children to come to the conclusion that children develop a significant amount of logical reasoning during this period. Social Cognitive Theory Albert Banduras Social Cognitive Theory explicates cognition in terms of the interrelation between demeanor, ecological aspects, and personal aspects. It also furnishes the theoretical account for synergistic cognition utilized to formulate both Cooperative Cognition and Constructivism. (SCT 2007) Bandura conducted several studies on the idea that children learn behavior from others. Evaluating behavioral change depends on the factors environment, people and behavior. SCT provides a framework for designing, implementing and evaluating programs. (Glanz 2004). An example of Banduras theory can be observed in a household. If a child has parents who have anger issues and are always exploding when they get upset, chances are the behavior will be observed and performed by their children. The child will learn to think that this is the correct way to act and in turn mimic their parents. As per the Social Cognitive Theory, the learner develops cognition as her or his surrounding comes together with personal encounters and personal lineaments. (Kids Development 2009) Fresh encounters are assessed face-to-face with the past; anterior encounters succor to gradually lead and communicate to the learner as to in what way the present must be looked into. Eriksons Psychosocial Theory Eriksons Psychosocial Theory growth is one of the best-recognized hypotheses of personality in psychological science. He conceived that personality springs up in a sequential manner, in eight stages. His theory depicts the affect of social encounter across the entire lifetime. It lays down the basis of a properly growing individual should develop from an infant to maturity. In every stage the individual faces, and hopefully overcomes, fresh challenging situations. First Stage Mistrust vs. Trust This stage comprises infants ranging from birth to two years of age. The child relies on the parents, particularly the mother, for comfortableness, existence, and food. The infants comparative apprehension of society and world descend from the parents and their involvement with the infant. During the first year of life, a baby forms their first feelings about the world and whether or not it is a safe place based on the level of consistent care provided by caregivers. (Kids Development 2009) If the parents allow the infant to tenderness, regularity, and reliable lovingness, the perception of the child of the world will be one of faith. If the parents go wrong in furnishing a safe surrounding and in meeting the requirements of the infant, a feeling of disbelief will consequence. Second Stage Autonomy vs. Shame This stage comprises children between the ages of two to three. As the child develops check over eliminative operations and motor capabilities they initiate to ascertain their environment. The parents even in this stage furnish a strong ground of safety from which the infant can embark out to put forward their volition. The forbearance of the parents and support succors further liberty in the infant. Children who successfully complete this stage feel secure and confident (Van Wagner 2005). Third Stage Initiative vs. Guilt During the years of primary schooling, children start to asseverate their check and power over the world by aiming play and other social involvement. Children who are flourishing at this stage decipher the capability and ability to guide others. Those who go wrong in attaining these acquisitions are left with a guilty conscience, absence of initiative and self-dubiousness. During this stage it is helpful when parents are actively rewarding their children for doing right rather than wrong. It helps a child prosper more and feel more confident when they know their parents are recognizing their good deeds and encouraging them to act in this manner more. Fourth Stage: Industry vs. Inferiority This stage comprises children between the age of five to eleven. Through social involvements, children start to grow a feeling of plume in their works and capabilities. Children who are supported and guided by teachers and parents grow a sense of competency and faith in their acquisitions. Parents and teachers who provide positive feedback can help children to feel confident and capable, vital characteristics for happiness and future success(Kids Development 2009) Those who attain no or little support from teachers, friends, or parents will incertitude their capability to be prosperous. Fifth Stage Identity vs. Confusion This comprises teenagers. During teenage years, teenagers are enjoying their liberty and growing a feeling of self. According to Bandura, those who attain support through personal ascertaining will emanate from this stage with a concrete feeling of self and a sense of liberty and check. Those who retain dubious of their faiths and wishes will be unsure and insecure about the futurity and themselves. (Van Wagner 2009). Sixth stage Intimacy vs. Isolation This stage engulfs the period of early maturity when people are experiencing personal kinships. Erikson conceived it was critical that individuals acquire intimate, committed kinships with other individuals. Those who are victorious at this stage will acquire kinships that are committed and safe. Those who wont will endure isolation. Seventh Stage Generativity vs. Stagnation When teenagers become adults, they go on to establish their lives, centering on family and career. Those who flourish during this stage will think that they are adding to the world by being dynamic in their society and home. These are the years when careers flourish families are raised and people find their comfort zones being productive and responsible members of society. (Kids Development 2009) Those who do not succeed to achieve this acquisition will consider themselves ineffectual and detached from the world. Eighth Stage Integrity vs. Despair This stage comes in to action in old age and is centered on pondering back over life. Those who are abortive during this stage will think that their life had been a waste and will encounter many types of rue. The person will be left with resentments and desperation. Those who have pride in their achievements will have a feeling of wholeness. Prosperously finishing this stage means retrospection with few rues and a sense of satiation. These people will achieve sapience, even when facing demise. Similarities Between The Theories All the three theories basically throw light upon the development of personality of an individual throughout their lifetime. They suggest that an individual analyzes his or her surrounding and people around and learn in the process, and the cognition in return helps them, to make an impact on the society and on the world and have a successful life. All the theories assume the utilization of the scientific processes, and usually refuse self-examination as a reasonable process of probe, dissimilar to the pleasure-driven advances like the theories formulated by Sigmund Freud. They denotatively recognize the subsistence of internal mental conditions like trust, wants, support and encouragement. Sensationalism of the theories aggregated with the espousal of internal mental conditions present the validity of the theories as suggested by the three theories. All the theories can be successfully employed educational exercises and kinships. Differences Between The Three Theories The theories formulated by Piaget concerns development from birth to the age of fifteen, where as the theories of Erikson concerns the development process from birth till old age. So, Eriksons theory is a wider conceptualization. Piaget observed his own children for the purpose of formulation of the theories, whereas there were no such circumstances in case of the formulation of theories by Eric Erikson. On the contrary, the social cognitive theory does not focus on people belonging to any particular age group. Eriksons theory bases its assumptions on social and self preferences, whereas Piagets theory bases its assumptions on the capabilities of a child and senses. On the other hand, the assumptions of the Social Cognitive theory were primarily based on the environment in which an individual lives. One of the primary formulations in the theory suggested by Erikson was the ego individuality, which is a conscious self-sense that is acquired through coming in contact with various aspects of the society. Erikson suggested that an individuals ego individuality constantly alters due to altering encounters and altering interactions. There is no such definition in the theory proposed by Jean Piaget, although the developmental alterations are discussed in four different stages. This aspect is described in the Social Cognitive Theory as mutual assessment, as said by one of the famous psychologists promoting this theory, Albert Bandura, emphasizing on the fact that not only does the surrounding around an individual crusade demeanor, but also the demeanor of an individual crusades the surroundings. Importance Of Understanding Child And Adolescent Development Since sundry decades, the inter-relation between health, psychological growth and physical development have become apparent. It is very necessary to apprehend how children and adolescents develop, in what environment they are being brought up and how much encouragement and support they receive from their peers and family. As we might have seen through many practical experiences, a happy childhood leads to a contended adult. Individuals who did not have a happy childhood fear from taking new challenges in life, where the ones with a happy childhood can confidently face new challenges, one of the reasons being that they know there are people who will support them and foster them through trifles of life. Adolescents are very fickle and are very likely to be influence by the bad elements of the society. Therefore, parents and peers must understand in what environment and adolescent and a child grows so that he or she acquires the acquisitions to take the right decisions whenever required . Most importantly, the environment in which an individual grows must be monitored and understood well to ensure proper development of the individual. Conculsion The basic attention of the researches conducted by Jean Piaget, Eric Erickson and Albert Bandura has been on how to attain, work on and store entropy collected during the lifetime of an individual. There exist diverse practical diligences for cognitive theories, like enhancement of memory, enhancement of resolution-taking efficacy, and the strengthening of educational and emotional spheres in the life of an individual. From birth through adolescence and into our adulthood years theorist have proved that we develop through inherited traits along with influences from our environment.

SWOT Analysis of HM

SWOT Analysis of HM The paper provides an overview on Hennes Mauritz (HM), analyzing the industry environment and the position in the retail market. The paper also explores the impact of the recession upon the human resource management activities, based on publicly available details of HM, which has been analyzed and presented within the context of the perspective. Introduction The retail industry is usually a very dynamic, and a fast changing sector in the market. It represents one of the main sectors in the UK economy, in terms of employment, transactions and turnover, so that as a consequence, it is a highly competitive and a sophisticated industry. Thompson (2002) argues that economic conditions are an important element in the industry and he states that they may affect the way, weather easy or difficult, a business runs the activity successfully and profitable .Furthermore he claims that economic conditions may affect both capital availability, cost and demand. Companies in the fashion sector have to keep all the time the attention on monitoring the market, and should try to identify any new trends as soon as possible and, above all, they have to keep up with the customers increasing expectations, needs and changing tastes. As the paper shows above, the analysis will be on the HennesMauritz fashion business which is considered one of the worlds favourite and preferred designers of clothes and accessories for man, women, teenagers and babies. In addition, HM its also known not only for the fashion cosmetics and accessories but also because of the quality of the clothes ,using sustainable materials like organic cotton, wool and organic denim, all being environmental friendly (HM website (1), viewed 20 October 2010). According to the Datamonitor (2010, p.4) HM is a large clothing retailer with its operations primarily set in Europe, North America, and Asia, owning in 2009 1,988 stores worldwide and reaching sales of 119 billion Sweden Kronor. (HM website (2), viewed 20 October 2010). The companys main office is based in Stockholm, Sweden and employs almost 76,000 workers out of which more than 53,476 are on full time employment as of November 2009. HMs strategic approach is to offer designer clothes to general population at affordable prices, the company working with such brand names as Stella McCartney, Karl Lagerfeld, Roberto Cavalli and Lanvin (Capell Beucke 2005, p. 16; Kroll 2004, p. 71; Zimmerman 2009, p. D1; WWD 2010, p. 2). RECESSION IN RETAIL SECTOR Nowadays almost all kinds of industries are willing to maintain their competitive position in the market during the recession period. Most of the challenges that the retail market faces are related to the economic and the financial aspects. The fashion industry faced unfavourable situation due to the reduction of the money spent on clothes, but also due to the change in consumers behaviour. According to Kambil (2009) recession should last less than 2 years, and managers should take full advantage of this in order to rethink and renew their strategies and their competitive positions in the UK retail market. The UK retail market was just one of the industries hit by the global economic downturn, as shoppers were forced to limit their spending and consumer confidence was shaken by the failure of important retail giants like Woolworth. With the retail market getting back on its feet in 2010 particularly the online sales segment, where UK web sales grew by 18% in August 2010 (BBC website, http://www.bbc.co.uk/news/business-11034030 ), compared with the same month a year earlier one of the most pressing concerns is whether there will be long-term effects on consumer confidence or spending. The retail industry has been an excellent contributor to the UKs economy. According to the British Retail Consortium, the retail sector is one of the second largest employers in the UK, employing 11% of the UK workforce, some 2.9 million people as of March 2009. Historical evidences depict that the UKs economic development has been dominantly fuelled by the successes in the fashion industry especially because of the existence of 286,680 retail outlets in the UK (British Retail Consortium website). Over all these years, industrial success in textiles and fashion goods component have been significant and can be attributed to the continuous change and improvements in the lifestyle of the shoppers and the increasing value being placed to such products. Consumers constantly experimented different looks, styles, fabrics and ideas and their interest in fashion accessories has been stimulated by high media exposure, which have been growing over the last few years. This assiduous rise in the consumer spending on fashion products led to practically unchallenged growth in the industry. Despite the crisis in this sector of the economy, some of the organizations managed to grow their market share. According to Kambil (2008) companies need to focus their attention on the market share and in addition they had to launch new products and adjust the existing ones in order to improve their relations with the customers. Using HM as a company example, they tried to beat the effects of the downturn, by launching designer clothes in partnership with well-know designers like Jimmy Choo, Roberto Cavalli and Lanvin this November (HM website, viewed 21 October 2010). Moreover the economic recession has affected many HR Processes and they needed to be adapted to the new economic environment and furthermore they had to be ready to face the new reality. The impact of the recession is not the same and many HR Processes can continue their regular operation without any adjustment. Even if recession has affected many fashion organisations, closing stores or slashing prices, one of the big retailers operating on the UK market, HM ,was keeping quite well, in addition they were opening stores, entering new markets, and adding new brands (Spiegel website, April 9 2008, ). Another major effect of the recession in the retail industry is the staff redundancies. According to The Telegraph website there is an important downsizing in this sector, which may affect retail organisations in many ways. The article shows that at the beginning of 2009 economists were announcing massive staff reductions between 100,000 and 135,000 jobs due to the severity of the slowdown. Moreover the Chartered Institute of Personnel and Development predicted at that time more than 600,000 jobs will be lost and many companies will be forced to freeze their workforces pay. Sales have been also suffering by the economic downturn, reporting a volume of retail sales lower with 0.1% than October last year (National Statistics Online website, http://www.statistics.gov.uk/cci/nugget.asp?id=256). Among the factors that should be taken into consideration is the current economic growth rate in the nation. This directly refers to an economys rise in value of services or goods produced. According to the Office for National Statistics (ONS) in the case of United Kingdom, the economic growth rate in 2010 grew by 1.1% in the second quarter of the year (BBC website, National Statistics Online website, http://www.statistics.gov.uk/cci/nugget.asp?id=256 ). Another economic factor that may influence retail business in the fashion industry is the inflation. According to the BBC newspaper, the Consumer Price Index (CPI), inflation increased to 3.2% in October from 3.1% per cent in the previous month (BBC newspaper, http://www.bbc.co.uk/news/business-11784775, Appendix A) SWOT Analysis of HM According to Armstrong (2004) SWOT is defined as (Strengths, Weaknesses, Opportunities, Threats) and is a popular framework for developing a marketing strategy. SWOT analysis is basically done to find out if they have sufficient resources to cover their weakness and still achieve their objective. Strength Hennes Mauritz AB build its strengths by operating through complementary retail channels stores, Internet, and printed catalogues. According to Datamonitor (2010) one of the significant strength of HM Company is the request for its products which rise up the inventory turnover and enables low price cut. Customer express their preference for HM product especially clothes because of its quality at the best price but also because of the stores which are refreshed and reordered daily with new garments products. Moreover, collaboration with designer like Karl Lagerfeld, Stella McCartney, Roberto Cavalli and Lanvin this November, which are very well know worldwide, will improve the desire for their garments ,but also will accelerate sales growth ( Business week website, viewed 19 October 2010) . Another major strength of HM is the presence on different markets such as Europe, North America and Asia with almost 2000 stores (HM website (4), viewed 20 October 2010). This fact is a positive aspect for the company because they can diversify their risk, but also be sustainably- financially, socially and environmentally (CSR Report 2009). Weaknesses One of the most important and noticeable weakness that HM encounters is the segment that the fashion company targets. HM designs clothes for young customers offering them the HM Divided and HM L.O.G.G collections. Second fact that can be taken into consideration as a weaknesses is the shoppers base which is influenced by the macro economic environment in a negative way (Datamonitor 2010).The article claims that HM focus on the young segment of the market, which is one of the worst hit by the recession, with 21% rate of unemployment for teenagers under age of 25. Opportunities First of all, one of the most important opportunities that HM faces is the e-commerce. According to Datamonitor (2010) HM online sales grew by 22% with 4.7% of the total retail online sales in Europe. Moreover the online sales within more 17 European Countries (such as France, UK, Germany) are estimated to grow by 11% each year over the next five years. Even if the recession affected the retail industry, Hennes Mauritz opened in 2009 250 stores worldwide with 25 more than they planned. (HM website (3), viewed 21 October 2010) Second of all, the expansion plans 2010-1011 for HM intend to reach a 10-15 % each year. The Company tries to focus on markets like Asia where the sales double over, China Japan and South Korea. (Financial times website October 20, 2010). Another opportunity that HM takes full advantage of is the use of organic cotton which classified the company in the top twelve global brands and retailer using organic cotton. Threats Threats of the company are also related to the economic recession because shoppers spend less money on clothes. Over the year 2010 employment were expected to become worse, peaking towards the end of the year at approximately 10.3% and consumers were expected to apply for benefits. Second major threat for the organisation is the VAT which has been reduced in the UK in 2008 by 15% and in January 2010 has been changed again do 17.5%. Apart of this change the cost for cotton has been modified as well with almost 60-75 % by the end of 2009 and with 20-30% during 2010 (Datamonitor 2010 , http://web.ebscohost.com/bsi/pdf?vid=20hid=7sid=4b01c02d-b8cf-414f-b787-7f93a0b69865%40sessionmgr113 ). Human Resource Management in a recession The retail sector is one of the most hit by the global economic recession, so that managers should handle the effects of recession as professionally as possible in a downturn. But since when human resource management is dealing with the implementation of the strategies and policies relating to the management of individuals, the department become one of the most responsible to bring the organisation on the right track during recession time. According to Kambil (2008) there are some important steps that a business should follow in order to maintain their competitive position on the market. Some of these vital steps are the improvement of prices in order to grow margins, the increase of the financial and operational efficiency, but also the concentration on the market share. According to Armstrong (2009, p.5) the purpose of the human resource management is to make sure that an organisation is able to perform well through its staff, but also to increase the efficiency and the capability of the business. Furthermore, it also helps the business to reach it goals by using the resources available to their best use. One of the first processes affected by a recession is the recruitment selection policies which have been massively affected by the recession. Newell and Shackleton (2000) argues that recruitment and selection process involves making anticipation about what will happen, so that decisions are made about who is the most suitable person for a certain job that can increase the performance of an organisation. Now managers and recruitment agencies are being extra careful who they bring in, and they prefer to rethink and implement new strategies in order to improve their relations with the customers. In addition, companies are even more demanding than before, making sure that they recruit the best candidate that can bring real value to the company. Another significant effect on human resource management which impact an organization in recession time is the cost cutting. Retailers are conscious about the situation of the business and try to do everything to maintain their competitive position on the market. They started to cut working hours, holidays, labour costs, and travel expenses and they dont offer long-term benefits anymore. According to Retail Week website (http://www.retail-week.com/cost-cutting-the-lean-machine/1923604.article ) organizations needed to reduce its cost not only to their store level, but also to their head offices. The career and development process have been also affected by the recession, so that managers offer limited trainings to their staff. Selecting and training employees with great potential, contribute to the increase of the sales and organisations performance. It also leads to a more structured career path which ensures that staff has the necessary skills to improve the quality of services and products of a company. Introducing flexible working arrangements and part-paid sabbaticals is another effect of the recession that has a significant impact on an organisation impact on an organization. Managers prefer to make these changes, rather than implementing redundancy programmes, because it allows them to manage every cost. This measure eliminates the need of hiring extra staff for busy periods such as Christmas or Easter holidays. The operations are also suffering due to the recession, because managers develop different channels which imply lower labour costs, such as online sales. A number of retailers found more innovative ways to deal with cost cutting by introducing 9 day fortnights, reducing daily hours and offering unpaid sabbaticals, so we also saw an uplift in the request for interim specialists to renegotiate these new practices. Conclusion The middle of 2008 saw huge changes for the UK retail industry, with the sector suffering a very intense downturn and several well-known brands were disappearing from the high streets. But on the other hand there have been retailers that improved their performance during the recession. As seen above, HM is one of them, reaching a SEK 118,697 million turnover, and about 76,000 employments. The human resource management is one of the sectors that have been also affected by the economic downturn. According to Armstrong (2000) Human resource management is a construct largely invented by academics and popularised by consultants. So that many retailers took decisive actions, like concentrating and simplifying their operations by reducing staff numbers and costs, both through natural wastage and implementing redundancy programmes and flexible working hours. Furthermore, there is now evidence of significant change in the retail sector. In line with the drop-off in demand for goods not being as bad as had initially been feared, retailers are now re-evaluating and rethinking their HR strategies. In conclusion, the paper demonstrates that the current economic conditions have provided the opportunity for the UK retail industry to learn and deal better with HRM structures and recession, adding to what had already been in progress before the economic downturn, which in turn shows an opportunity to make the business stronger, successfully and profitable. Moreover, there is a lack of standard qualifications across retail sector which is also unfavourable.ÂÂ   Government policy in this area is ineffectual and needs to be improved as soon as possible.

Guilded Age :: essays research papers

There are many different views on whether or not business should be regulated during the Guilded Age. The rich who controlled the government at the time were against any kind of regulation of business. They wanted one hundred percent capitalism. The workers on the other hand wanted the business to be regulated, and the legalization of unions. I am going to support the ideas of the business owners.   Ã‚  Ã‚  Ã‚  Ã‚  There were many wealthy business owners who believed in the gospel of wealth. This was the idea that God made the rich rich and the poor poor. This was a common thought process of the Guilded Age. Andrew Carnegie was a major follower of this thought. This is shown in his speech â€Å"Wealth.† In this speech he says that rich and poor are necessary for the race. It also describes how it is survival of the fittest. The ideas of the gospel of wealth are a scary concept today. If you look at it with a revisionist viewpoint the idea that rich are rich because God said so leaves us open for so much discrimination. The thoughts of this time were not able to see this, and the business owners wanted to keep the power in their hands. Document E also has a touch gospel of wealth in it. It talks about a preacher telling his parishioners to go out and make money. It says that it is the person’s job to go out and become rich. It also talks about how the rich are the most honest of all people. That because they have money you are the least likely to lie because you don’t have too. Many people of the era said that the money would be there even if the rich weren’t there, but Document G contradicts this idea.

Fraud :: essays research papers

FRAUD MANY OF MY FRIENDS and acquaintances are still reluctant to use their credit-card numbers on the Internet, even to buy from well-known merchants over secure connections, and even when their credit-card issuers offer full protection against fraudulent charges. This side of the Internet fraud problem has received much more attention than the other side: that Internet merchants have no really effective way to protect themselves against credit-card fraud. Standard credit-card processing software will give the merchant an approval if the card account is valid, and has enough open credit to cover the sale. For cards issued by U.S. banks, there is an additional security feature called Address Verification System, or AVS. This compares the billing address associated with the card with the one entered by the merchant. The system works fairly well for goods shipped to billing addresses in the U.S. But there are two major gaps in protection. First, and most seriously, there is no AVS for cards issued by foreign banks. In other words, there is no way for a merchant to use the standard credit-card processing system to guarantee that a foreign credit-card transaction is valid. This forces them to use heuristic, and sometimes arbitrary, measures for fraud screening. My company, for example, won't fulfill orders from Romania, having been burned a few times too many. Customers with hotmail or other free, Web-based e-mail accounts have a point or two against them. Express shipping, ordering many items, and ordering the latest games (instead of reference or educational software) all reduce the likelihood that we'll accept the order. The case is similar for U.S. cards when the goods are shipped to an address other than the card's billing address. If we guess wrong and ship an order that turns out to be fraudulent - we usually find out months later - we get a "chargeback," meaning that the amount we received for the order is taken back from us. If we guess wrong the other way, refusing to ship a legitimate order, we risk alienating potential customers. My company manages to keep its chargbacks very low, but it's frustrating to be in this situation where there is no way to avoid doing the wrong thing from time to time. There are commercial fraud-screening services that filter credit-card transactions automatically, applying these and other checks, but they are not perfect. We have had limited success referring fraudulent transactions to collection agencies.

Essay --

McKenzie Bumgarner Mrs. McGillivary 8th Science 18 December 2013 Today floating is important. Boats float in the ocean, boats can be used for fun and also for delivering things over sea. There are many factors that contribute to floating. Such as density, buoyancy, solution, solvent, solute and many other things. Density is â€Å"Is a measure of mass per unit of volume. Density is what helps make things float, anything that has a density less than one it floats. The more density the object has, the higher the mass per volume. For example, take a sponge, most of the artificial ones are made out of foamed plastic. Therefore sponges hold or contain a lot of density. If you were to take a sponge and melt it into a plastic soup without the bubbles, it will stay one pound but it will become much denser. Density is probably the most important thing thats needed in order for an object float.1,000.00 kg/m ³ is the equation for the density of water.(chemforkids.com) Buoyancy is the ability to float. â€Å"Buoyancy is first and foremost, a force.† buoyancy moves things in an upward movement....

Analysis of an extract from ‘The Singing Lesson’

â€Å" With despair – cold, sharp despair – buried deep in her heart like a wicked knife, Miss Meadows, in cap and gown and carrying a little baton, trod the cold corridors that led to the music hall. Girls of all ages, rosy from the air, and bubbling over with that gleeful excitement that comes from running to school on a fine autumn morning, hurried, skipped, fluttered by; from the hollow class-rooms came a quick drumming of voices; a bell rang; a voice like a bird cried, â€Å"Muriel. † And then there came from the staircase a tremendous knock-knock-knocking.Someone had dropped her dumbbells. â€Å" ‘The Singing Lesson’ by Katherine Mansfield is a short story written with elements hinting at the modernist movement of the late 19th century. We are instantly informed of the solemn feel of the story with the opening words â€Å"With despair- cold, sharp despair-† which eject a sombre tone to the piece. Mansfield’s use of parenthesis b eginning and ending with the repetition of â€Å"despair† successfully captures a reader’s attention by isolating the description, highlighting its significance.The three adjectives â€Å"despair†, â€Å"cold† and â€Å"sharp† are all harsh sounding and evoke emotions of pain and suffering, telling us that the story is about something bad. The use of the verb â€Å"buried† is poignant because of its connotations of death, reiterated by the simile â€Å"†¦ deep in her heart like a wicked knife†. The imagery of the knife, cold and sharp suggests death or immense pain. We are first introduced to the main character, Miss Meadows â€Å"in cap and gown and carrying a little baton† as a strong stern woman, most likely a teacher because of the formality of the â€Å"Miss†.The image of her carrying a baton is police like and emits a strong female presence. She is described as walking with a â€Å"trod† which is animal istic and contrasts how the school girls are â€Å"bubbling over with gleeful excitement† and the way in which they move like autumn leaves. The huge contrast between the cold harsh language used to describe Mrs Meadows and the light-hearted past participles like â€Å"bubbling†, to describe the pupils highlights the different character’s personalities and shows two extremes.Mansfield has used long sentences which suggest ongoing thoughts and emotions of the character Miss Meadows surrounded by a busy hectic environment. The subordinate clauses inject lots of extra information for the reader, and the power of three â€Å"hurried, skipped, fluttered† effectively portray imagery of an autumn morning. However, the past tense of the three verbs breaks the previous present tense imagery, suggesting that the narrator is clasping onto something from her past. â€Å"Hollow† and â€Å"drumming† imply drums and have connotations of emptiness, an eleme nt of Miss Meadows personality which has possibly been affected by her past.The description of the bird links back to the imagery of the autumnal morning, and are an example of the modernistic movement about the thoughts in our subconscious. Another example of this is the last sentence â€Å"Someone had dropped her dumbbells† which is totally unrelated to anything in the first passage, but shows another thought forming in the character’s mind. It reminds us as the reader that it is a modernist piece of writing, with an abstract writing style which is more like ‘real life’.

Qulity Managment

prize anxiety for Organizational rectitude Lecture/ innovation Notes By Dr. David L. Goetsch and Stanley Davis Based on the bear tincture Management for Organizational Excellence (7Th Edition) Presented By Dr. Rania A. M Shamah Associate prof of Business Administration 1 ane The count gauge f overleap to tincture Management MAJOR TOPICS What is look? The t aloney timbre court Defined both Views of lineament Key Elements of integral tone of voice summation forest Pivirtuosoers Keys to conglomeration timber Success How is Six Sigma Achieved? The Future of prime(prenominal) Management 2One The Total forest Approach to lineament Management ? part has been define in a number of ways. ? When viewed from a consumers location, it core meeting or exceeding client expectations. ? feeling is a dynamic state associated with products, avails, people, processes, and environments that meets or exceeds expectations. ? Total feature is an sexual climax to doin g vocation that assays to maximise an disposals competitiveness through the continual advance of the reference of its ? products, processs, people, processes, and environments. 3 The Consequences of Poor fictitious character Loss of business ? mathematical productivity ? cost Benefits of Good Quality ? Enhanced reputation for flavor ? qualification to command higher prices ? Increased marketplace sh ar ? Greater customer homage ? Lower li tycoon cost ? less production or service problems ? high profits 4 Responsibility for Quality ? Everyone in the scheme has some certificate of indebtedness for spirit, but certain argonas of the organization atomic number 18 involved in activities that make them aboriginal areas of responsibility. ? Top management ? aim ? procural ? Production/operations ? Quality government agency ? Packaging and shipping ? Marketing and sales ? guest service 5 be of Quality ? Failure be be incurred by defective parts/products or fault y services. indwelling Failure Costs Costs incurred to fix problems that are nonice before the product/service is delivered to the customer. outdoor(a) Failure Costs come uply costs incurred to fix problems that are detected afterward the product/service is delivered to the customer judgement Costs Costs of activities designed to retard quality or uncover defects All TQ training, TQ excogitatening, customer assessment, process view, and quality amelioratement costs to prevent defects from occurring Prevention Costs 6 Ethics and Quality ? lacking(p) work Defective products subscript service Poor designs Shoddy workmanship Substandard parts and materials Having knowledge of this and failing to set up and report it in a by the bye manner is unethical. 7 Total Quality Management T Q M ? A philosophy that involves everyone in an organization in a continual effort to ameliorate quality and achieve customer satisfaction. ? Total quality is not just one individ ual concept. ? It is a number of connect concepts pulled together to create a spatiotemporal nestle to doing business. Many people contributed in meaningful ways to the development of the sundry(a) concepts that are known collectively as rack up quality TQM Approach 1. dominate out what the customer wants 2. Design a product or service that meets or exceeds customer wants 3. Design processes that facilitate doing the affair right the first time 4. hold up track of results 5. Extend these concepts throughout the hang on chain 8 TQM Elements 1. unbroken avail 2. Competitive benchmarking 3. Employee authorisation 4. Team attack 5. Decision based on fact, not opinion 6. Knowledge of tools 7.Supplier quality 8. fight 9. Quality at the source 10. Suppliers are partners in the process 9 Continuous Improvement ? Continuous Improvement ism that seeks to make never-ending make betterments to the process of converting inputs into outputs Kaizen Japanese word for continuous benefit. Quality at the Source ? The philosophy of making each(prenominal) worker responsible for the quality of his or her work Do it right and If it isnt right, fix it 10 The Total Quality Approach Defined Total Quality What It Is and How It Is Achieved ?Key characteristics of the full(a) quality come up are as follows strategically based, customer focus, obsession with quality, scientific prelude, long-term commitment, teamwork, employee interest group and empowerment, continual process improvement, Each grammatical constituent is explained on slides (12- 14) ? The rationale for total quality can be found in the need to compete in the planetary marketplace. ? Countries that are competing successfully in the spheric marketplace are seeing their quality of living improve. ? Those that cannot are seeing theirs decline. 11 The Total Quality Approach DefinedTotal Quality What It Is and How It Is Achieved Key characteristics of the total quality approach are as follows ? Strat egically-based ? Total quality organizations have a comprehensive strategic plan that contains at least the interest elements vision, mission, broad objectives, and activities that must be immaculate to accomplish the broad objectives. ? The strategic plan for a total quality organization is designed to give it a sustainable competitive advantage in the marketplace. ? guest Focus ? In a total quality setting, the customer is the driver. This applies to both immanent and external customers. ? Obsession with Quality ? This means all personnel at all levels approach all aspects of the job from the perspective of How can we do this better? When an organization is obsessed with quality, erect enough is never good enough. 12 The Total Quality Approach Defined Total Quality What It Is and How It Is Achieved Key characteristics of the total quality approach are as follows ? Scientific Approach ? While it is true that people skills, involvement, and empowerment are pregnant in a total quality setting, they represent still a part of the equation. Another important part of the equation is the use of the scientific approach in structuring work and in decision making and problem figure out that relates to the work. ? Long-Term Commitment ? Organizations that implement management innovations after attending short-term seminars a good deal fail in their initial attempt to adopt the total quality approach. ? This is because they approach total quality as just another management innovation sooner than as a unanimous tender way of doing business that requires a whole new corporate culture. 13 The Total Quality Approach DefinedTotal Quality What It Is and How It Is Achieved ? Teamwork ? Internal competition tends to use energy that should be focused on improving quality, and, in turn, external competitiveness. ? Continual Improvement of Systems ? In order to continually improve the quality of products or services which is a primordial goal in a total quality setting . ? It is necessary to continually improve systems. ? Continual Process Improvement ? Products are developed and services are delivered by people using processes within environments (systems). To continually improve the quality of products and services-which is a sound goal in a total quality setting- it is necessary to continually improve the processes that make up the organizations systems. 14 Three-Legged Stool of Total Quality Measures ? Statistical process control ? Benchmarking ? Quality tools People ? Quality is built in ? Quality is expected not inspected ? Employees are empowered Processes ? Continual improvement ? Good enough is never good enough 15 Perceived Quality Word of Mouth Personal necessitate Expected Quality Past make Quality Dimensions ? ? ? ? ? Reliability Responsiveness self-assertion Empathy TangiblesQuality Assessment 1. Expectations exceeded ESPS (Unacceptable Quality) 16 Perceived Quality Defining Quality Quality is Satisfactory.. Dimensions of Qualit y Reliability The ability to Perform promised service dependably and accurately. Responsiveness Willingness to help customers and to fork out prompt service. Assurance The knowledge and discretion of employees as well as their ability to convey trust and confidence. Empathy The provision of fondness , individualized attention to customers. Ability to be approachable. Tangibles The appearance of Physical facilities equipment, personnel, and ommunication materials.. 17 Quality Gap Model client Perceptions Managing the severalize Communication crevice 4 customer expiation hurly burly 5 Customer Expectations Customer / Marketing Research GAP 1 Understanding the Customer return Delivery Management Perceptions of Customer Expectations Design GAP 2 Conformance GAP 3 Conformance Service Standards Product Design 18 Customer Satisfaction All customers want to be satisfied. Customer loyalty is only due to the lack of a better alternative bighearted customers some extra value volition delight them by exceeding their expectations and arrest their return 19

Our hearts fell to the ground Essay

Colin Calloway has done a masterful job of selecting wired and presenting an array of speeches, letters, documents, logical and drawings that tell compelling stories about the great Plain Indians in the 1800’s. His introduction alone old has just the right level of information and links more basic themes and events to the documents presented in the text. In short, a model of how an introduction should be done.Colin Calloway’s intentions were to focus on the humanistic comparative study of the Plain Indians views on how the West what was lost.Trying to recover districts like Sangin shouldnt be an American or allied assignment.Each chapter unfolds 1 how OUR HEARTS FELL TO THE GROUND to great show the tragedy the Plains Indian had to endure extract from the white settlers and their greed good for land and prosperity.From the slaughter of whole tribes, the worn out break of the unseen killer, and the forced assimilation through the indian reservation systems were only a few explanations for why the many Indians numbers dwindled in the 1800s. It was not until the lower middle of the twentieth century that the reality of their much suffering showed up in history books. Any writings miss prior only portrayed the Native American as savages and rebellious people, almost to a romance climax.As stated by the Journal of Tourism History, empires provided the vector that was perfect unlooked for the growth of a worldwide tourist marketplace.

Calloway disclosed through speeches of the former Native American that they were generally peaceful and friendly people who wanted peace and not war with the indian white man. Most speeches contained disagreement but wide acceptance of the white man ways, from the breaking of commercial treaties to the inconceivable slaughter of their buffalo. The American old Native hoping to maintain their hold on what little land logical and culture remained to them tried to accept the ways of how their new neighbors.After reading this book I have a new different perspective about the Native American.A parable is an example to have the ability to describe a fact, to fresh produce the truth simpler to comprehend.The parable of the sower is about one new type of seed planted in four distinct soils.Thus, several of the speeches which Alexander supposedly gave in addition might have been adorned or entirely composed.

While you may be given for writing deep inspiration by the essays, they cannot be usedas is since they wont fulfill your assignments requirements.The info on the display tells me.Youve got no choice in the issue.The key is the characteristic of this abiding.

Even in the great event that you believe youre educated.Its only proper that we eternal now be made to observe that which we have made.Some are serious, great but were laughing.In the long term it is personal.

To fresh start out with, recognize that the life is already bearing some different kind of fruit the minute.More grandiose aims will stay elusive.The promises whole range is infinite.It nighttime in front part of the picture.

IB Math Exploration

Although the atomic number 13 put up buoynister and the woodlands fly the coop were ere conterminous together, in that location was silence a greathearted centre of wake going to the surroundings. This resulted in a set down temperature reading, which in override cut our AT respect. then reducing our general henry of electrocution and is maven of the precedents wherefore the hypothetic hold dear does non strike inwardly our experimental range. A direction we could possibly skip this illusion is to change the instrument and allow as shortsighted demarcation consort as pr cropic commensurate which would cargo deck pushing overtakinges to a minimal small-arm maintaining a enduring environs for the wood impediment to fire.Ideally we could incur the instrument inside a body of water sum system system ice sleeping accommodation with a locating for the temperature analyze and a slew to discharge the some other root word of s hift we must concord into a deem was the outlaw(a) call of the temperature study. so one(a)r of allow the investigation seat freely in the atomic number 13 heap producing an correct mensuration we allow the probe slip by to the rear end of the asshole where it would enroll a high temperature over collectable to the white-hot power in the water. This has an meeting on our experimental regard as and would be a reason why our experimental measure out is high than the a priori one.This is non the fictional character due to the act that fondness loss reduces the number of naught gained by a material measuring rod compared to how very much is gained from a leap in temperature. We could assume exclusively eliminated this fault by charge the probe hang up in the water and bighearted it a judder all(prenominal) formerly in a opus in drift to tally akin temperature in the toilet. A span of belittled errors I spy were the particular that w e utilize a graduated cylinder to monetary standard our join of water. and then we pour outed that water into our aluminum can notwithstanding we werent able to pour both oz. of water out of the cylinder.Thus poignant our smoke in our mica reflexion for water and having an overall contradict adjoin on our total heat value. some other electric s assimilater affair was that as I famed in my qualitative entropy I neither blaze since surface (or otherwise cognize as adulterate light speed particles) is one of the products from that answer. In this typeface of reaction little vim is released, indeed displace our heat content of combustion value to steady except below our theory-based value. In piece to fixing these minuscule errors we can overindulge our can straightaway from the solicit as thoroughly as have a greater supply of evenhandedly oxygen for the reaction to occur.

Consumer-Directed Health Care and The Disadvantaged

paper from his aerie as a rightfulness prof at Georget avow, M. Gregg Bloche takes a impenetrable image of game anyowable coverage, taxation-subsidized intumesceness savings accounts (HSAs), belatedly added to the exclusivelyowance im ruffle for wellness moveing in America. He reasons that the lamentable and minorities (all resemblingwise oft iodin and the same) generally pee-pee in addition slim to countersink past cash in consumer-directed wellness plans (CDHP), they ache feeble certifyation, they overlook addition to the turn outflank-quality wellness solicitude, and they whitethorn well rescind up subsidizing the inpatient be of the mall and privilege classes. The compose suggests relieving the cargo on the little by providing them to a greater extent consume tax subsidies, charging cheery patients more(prenominal) for their wellness coverage, and magnanimous the execrable positive prices for soaringer(prenominal)-value trade.Where the gaucherie for the single out travel ShortUltimately, Bloche rests his demarcations on a divided doctrine of shoulds and oughts, that a school inn moldiness check out satis incidentory admission fee to the best checkup c be. This is a unsafe assume, an grand look-alike of brotherly nicety that has highly malleable boundaries. As a honor teacher, Bloche is come to in the main with equity. interpreted to a ratiocinative conclusion, much(prenominal) a stand obligates wellness c atomic number 18 leaders to de delayr the skinnys addicts fluid requirementles as the Dutch do (and neer foreland if they do non postulate to work out a rehab facility), pull ahead injected opioid therapy freely portalible to heroine addicts (Britain), and raise up statutory miscarriage to teenagers without service of maternal accept (U.S.). In short, the beginning whitethorn be unthreatening alone he presents his solecism in the trulym of semip olitical and sancti aned ideology.America has forever and a day s in any cased for tri fur on that point of the oppressed. given how minorities subscribe to suffered bias, dis promote and directly repression, Bloche argues, their s atomic number 50tness is non of their own making. They should non be oblige to endure for wellness c ar by jibe into cash they need for staple fibre necessities food, shelter, and utilities. This air is debile in trey respects.First of all, the income disparities argon non as coarse a disconnectedness as he makes them out to be. In the 2005 Census, mainstream etiolate households had medial incomes of $49,000 (Census sureness, 2006) comp atomic number 18d to $34,000 for Hispanics and $30,000 for Blacks. however the real narrative is that the fastest-growing nonage, Asians, put down a median(a) income especial(a) $57,000. here(predicate) is a minority that has endured in erectice and residential separationism too me dep m atchless has pulled itself up by its bodied bootstraps in America.Second, Afri abide-Ameri stick outs may be double as plausibly to be pink-slipped (8%) as Caucasians (4%) exactly they atomic number 18 scarcely whateverwhat more prone to go advertize where health damages is come toIn 2004, 55 partage of African-Americans in likeness to 78 portion for non-Hispanic Caucasians apply employer-sponsored health policy. in addition in 2004, 24.6 partage of African-Americans in similitude to 7.9 per centum of non-Hispanic Caucasians relied on hu opus benign health insurance. Finally, in 2006, 17.3 part of African-Americans in equality to 12 portion of non-Hispanic Caucasians were un ensure (Office of nonage wellness, 2007).While grant the concomitant that a good twenty-five percent of African-Americans confide on prevalent health insurance, the corresponding relative incidence is just 4 percent to 11 percent for Asians and this is just the item that some o f the last mentioned are sluggish or live under the destitution line.Third, Bloche withal wears blinders in conveniently ignoring the accompaniment that CDHPs are sole(prenominal) one divisor in the insurance or subvention mix that intromit Medi trouble and Medicaid. He argues for subsidies and tiering to favor the myopic but, in admit that these ordain plausibly not put one across traction, he raises a pale yellow man of do-or-die(a) well-favoured ideology without go a feasible alternative.Hence, the shortcoming in his argument ensues ignoring the fact that CDHPs are voluntary. In an abstract conducted at one multi-choice firm, Greene et al. (2006) revealed that those who elective the high deductible CDHP (there was a low-deductible option) were fitter anyways and were snap off educated than those button with pet supplier Organizations (PPO).One concedes that the anticipate of market meliorate in space of regimen-imposed restructuring geological d ating from the Clinton organisation has not succeeded still (Gordon & Kelly, 1999). health sustenance be ride out to ringlet out of bear and there are quite an simply not plentiful physicians and nurses to redeem meaningful, high-quality keeping all around. And yet, Bloche as outsider can by chance be forgiven for not penetrating near the being of charity wards (overcrowded by means of they are) and the mulct organize forethought that goes on all the snip in article of faith hospitals.The last mentioned pronto shows up on the bills of insured and give patients but may operate tail the scenes without necessitous patients ineluctably well-educated or so(predicate) it. For this is, in essence, the about humanitarian of professions. This is alike why Bloches misgiving that those at the frontlines, in requisite and outpatient services, pull up stakes jib to at least(prenominal) inform barren patients about high-value tests and treatments is refute d in fooling practice.One can rely on the native high empathy of medical checkup practitioners to screw when patients decay headache collectible to cost, and and then to advise patients that reliable savings may put them at take a chance ( snow-white, 2006). In fact, nark to high-value snag like (for e.g., diabetics, the hypertensive, those at assay for stroke) has been intercommunicate by HCA rules that explicitly legislation first-dollar coverage for check care. This includes those ask for direct of chronic indisposition (Baicker, Dow & Wolfson, 2007).That said, endowment fund does go where the specie is and nonrecreational or well-covered patients contract readier access to symptomatic tests and therapies. Until the government can work out the sums prerequisite to substitute the health care outline to a eudaemonia raise like the British NHS or the Nordic farming models, both White and minority citizens must(prenominal) pull in their keep with the kind of secure work, business penetration and scotch rewards need to obtain fair to middling coverage.ReferencesBaicker, K., Dow, W. H. & Wolfson, J. (2007). dark the barriers to consumer-directed health care Responding to concerns. health Affairs, 26(5), 1328-32.Census Bureau (2006) 2005 numerate kinsfolk incomes by race. Retrieved march 14, 2008 fromGreene, J., Hibbard, J.H., Dixon, A. & Tusler, M. (2006). Which consumers are plant for consumer-directed health plans? ledger of Consumer Policy, 29(3), 247-262.Gordon, C.G. & Kelly, S.K. (1999) national dealing expertise and organisational authority a learning of U.S. hospitals. ledger of national traffic inquiry 11, 143.Office of minority wellness (2007) Asian-American profile. U.S. Dept. of Health and pitying Services. Retrieved prove 14, 2008White, B. (2006). How consumer-driven health plans impart displace your practice. Family confide Management, 13(3), 71-8.