Financial Literacy in the Philippines Essay

Money. That word enough is enough to turn the heads of almost any one in this world today. It’s not a hidden fact or a myth, or an exaggeration that money indeed makes the world go round today. In legal matters, money is the only reasonable way to amend some matters. In a cynical point of view, you could say that money is the law. In these times of corporate international booming, there’s no exaggeration that money holds your life today. Financial literacy is the knowledge that is the answer to these times of finance emphasized earth. But what is financial literacy? Financial literacy is, according to Wikipedia, â€Å"the ability of a person to understand how money works†. It is basically how one is skilled at handling financial matters, and how one is informed of insurances, investing and over-all money management. Knowing this term, then I am asked, Am I financially literate? As a young adult, it is necessary that one knows how to manage money. Especially that I go to school everyday, riding public transportation, eating out; One can say that isn’t everyone financially literate because they know how to budget their money after all? If it’s that easy, then I could say I am, but it isn’t. I’m not financially literate. As far as my money goes, I only know a little about saving. In fact, I don’t even own a real bank account in this age of 20. I know very little about insurances, investments, let alone the stock market. I only save money so I can spend it on going out with my friends, not for, as they say, the rainy days. Bank accounts are the only thing I know about and as far as I’m concerned it’s just about them keeping my money secured. I’m supposed to be a little embarrassed, but then I look around my community and see I’m not the only one. No, in this country, I’m one of the majority that is not. Why am I not? Why are most of us not financially literate in this world where money is a crucial necessity? I’ve read one article in the internet by Randell Tiongson entitled â€Å"Pinoys and Financial Literacy†. The article tackled how us Filipinos are not as financially literate as we think and the fact that most Filipinos give very little attention to actually be more knowledgeable in handling finances. In contrast though, it states that little by little, we are getting better; but still we have a long way to go to being called a financially stable country. I learned that most Filipinos have the same mind set as I have. We think having a bank account is already financial security. I think I am one of the population that is generally very clueless. Looking at other countries, they have these programs where they actually give seminars and lectures on being financially literate; to them the booming money world can only be survived through education. All I see in our country today are seminars about bank accounts and piggy banks. Where is the education that us Filipinos need in this world of financial dependence? We may turn our eyes from it, but money is a concrete fact of living. All my life I’ve been taught that saving money is the best thing you can do to your money; budget and management. But those are all kids stuff. I’m actually now worried that I am not well informed. One of the reasons I am not financially literate is definitely because of poor education on these matters. No one really taught me the words ‘investing’, or ‘insurance’ or ‘the stock market’ in school. Well maybe in definition, but I never came across how-to’s and guide to how to use these terms in the practical world. I think I would be scolded that I’m asking to be spoon-fed but, to be frank, this country never really made me grow up with concerns about financial literacy. And I am even one of those people with a good education†¦ how about our co-citizens with even less? Another reason is probably how our traditions and culture never really had a chance to understand these legal matters formally. Unlike other countries, we are generally the most traditional ones. We held our religions close, believing that everything happens in God’s time, if it’s safe to say, I think we are relying in Him too much. They didn’t talk about life insurances in the bible. We tend to believe that whatever happens, it happens on God’s will. Religion has been our security for ages. And I think that is why my own parents doesn’t have too much of a clue in investments issues. And as their child, how am I supposed to have a grasp in this area. No matter how I am accused of having enough resources because of the internet, it’s still not enough to carry a curiosity on finance matters. Because as tradition was, in this country, if you have a bank account, you’re saved. My family isn’t really one of those homes where everyone’s so money-savvy. I think it’s also because we’re a young family, with me as the eldest child. So I think I should be the one starting, learning about financial literacy. And this goes, with my last reason: Families with low financial status tend to not to be exposed in these opportunities. We’re not exactly in the higher middle class which many people may think because I’m studying in Mapua. We’re extremely in the middle middle class and as I have observed in television and the internet, those who already have the money are the ones only given the chance to be literate financially. It isn’t a theory that you need money for education, though there are other ways to stay informed but this is the truth. Most people in this country are lower middle class and could you even imagine the opportunities given to their level? It’s just concerning. Money-education for only those who already have money, or the promise of it. And I think that should be the one of the main concerns of this country. In conclusion, the main reason is our own country’s lack of financial literacy education. Resources: https://en. wikipedia. org/wiki/Financial_literacy , http://www. investopedia. com/terms/f/financial-literacy. asp ,http://www. randelltiongson. com/? s=financial+literacy+in+the+philippines , http://www. getsmarteraboutmoney. ca/en/managing-your-money/planning/investing-basics/Pages/what-is-financial-literacy. aspx.

Cover Letter for Front Desk Position

Dear XXX, I would like to express my interest in the summer front desk internship offered by (Company Name) This internship would allow me to gain knowledge and experience in the hospitality industry and apply what I have learned throughout my collegiate education. Hopefully the internship would lead to a career opportunity as well.I will be graduating May 2006 from the University of Florida with a Bachelor’s of Science Degree in Management with a Minor in Entrepreneurship. This position is a one that I believe I would excel at. Not only am I self motivated and eager to succeed, but I also work well in groups and have effective communication skills. This was noted in my Organizational Structures and Behavior Management course when I was awarded for outstanding group presentation.This enthusiasm for success and team player attitude will allow me to constantly strive to work with others to better serve customers and complete daily tasks during the front desk internship. Past exp erience in the retail industry as a sales associate at Academy Sports and Outdoors has also equipped me with quality customer service skills that can also be applied to the front desk internship. I am an excellent listener and problem solver, which enables me to adapt to changing and challenging situations.My organizational skills also allow me to multitask and manage my time effectively when performing daily tasks and meeting deadlines. I hope that you will consider me for the summer front desk internship. My skills and capabilities acquired in previous work experiences and education would benefit both you and me if I gained this internship. Enclosed is a copy of my resume for you review. I would appreciate the opportunity and look forward to hearing from you. Sincerely, (Your Name) Enclosure

The Inenvention of the Wheel

The invention of the wheel is the single most important invention in the world. The wheel did not only shape our world in transportation but it helped evolve many inventions. The wheel is estimated to have been invented in 3500 B. C. (Reynolds). There have been many changes to the wheel that have made it a more advanced invention and changed into newer inventions. The wheel has shaped our world geographically, economically, and culturally. The evolution of transportation became capable with the invention of the wheel.Without the wheel the wagon would never had been invented (Reynolds). The invention of the wagon was the first of many inventions that came from the wheel that helped the transportation of goods for trade (Reynolds). The steam engine train was also another break through of technology from the wheel. The steam engine train made it possible to transport items from a greater distance, faster delivery, and it also made transporting goods for trade less expensive which led to a greater profit for the merchants (â€Å"Transportation Revolution†).With the capability of transporting goods over land quicker the economics of the world turned for the better. With the invention of vehicles people were beginning to be able to see the more of the world. The wheel helped many people see the amazing geography of their surroundings. In 1845 most vehicles had wooden and steel tires (Colvin). Robert Thomas invented the pneumatic tire which gave people and smoother and more enjoyable ride to see the places they wanted to visit (Colvin).The first type of wheel that was being used on vehicles was made of peer rubber, but later John Dunlop improved the solid rubber wheel into an air filled rubber wheel (Colvin). Even in China during 2000 BC wheels were put on chariots to carry kings and emperors around to see their kingdom (â€Å"Wheel†). Still today vehicles are the main source of getting around quickly. Many people travel the country in RVs to see at that is to see. Even the airplane would not be able to land without a wheel at the bottom.Without the invention for the wheel there would be no other way of getting around on land to see the sites that the world has in store for us. There are many inventions that use the same basic idea as the wheel. The pottery wheel never would have been invented if the wheel was never developed. The pottery wheel is an invention that has simply changed a few things about the wheel to make it work. The potter’s wheel is estimated to have been invented in 3000 BC and is a very important feature to the culture of nearly every country (Bryant).Pottery is one of the only ways we can tell how the ancient towns had worked. Many archeologists work for weeks if not months to try to dig up ancient pottery so that we can better understand the ancient culture. Pottery is not the only thing that the wheel affected. The wheel also helped the sport of racing become a big part of our culture. On April 23, 191 1 the world first of the world’s fastest mile was completed in 25 seconds (Carter). This was the start of many races in the US. Today without the ever being invented the sport of NASCAR never would have been thought up.Many people in the US enjoy watching this port and have made it a huge part of their life. The wheel is not only a great invention put it has shaped our would in so many different ways. The wheel has not only been changed many times but it has evolved into the greatest invention of man kind. The wheel has helped the world economically, geographically, and culturally for the better. This is why the wheel is considered to by the best invention in the world.Works Cited Bryant, Victor. â€Å"The Origins of the Pottery Wheel. † Ceramics Today. 26 Jan. 1996. Web. 14 Nov. 2009. . Carter, C. F. , and Isaac Marcosson. â€Å"Man’s Fastest Mile: The Automobile Age. † A. D. 1911. The Great Events by Famous Historians, Vol 21. Harrogate, TN: The Nationa l Alunmi, 1926. World Book Advanced. Web. 22 Nov. 2009. Colvin, Howard A. â€Å"Tire. † World Book Advanced. World Book, 2009. Web. 28 Oct. 2009. Reynolds, Terry S. â€Å"Invention. † World Book Advanced. World Book, 2009. Web. 28 Oct. 2009. â€Å"Transportation Revolution. † World History: The Modern Era. ABC-CLIO, 2009. Web. 28 Oct. 2009. . â€Å"Wheel. † The Columbia Encyclopedia, Sixth Edition. 2008. Encyclopedia. com. 15 Nov. 2009 .

Valentine's Catholic Mass ritual Essay Example | Topics and Well Written Essays - 500 words

Valentine's Catholic Mass ritual - Essay Example Hence, emphasizing the intention of ritual in every denomination or religion meant to pass on message not only to that religion’s adherents but also other people who may intend to have that experience. This is because universal love practically has no bounds especially if expressed from humanity’s point of view. Another connection encompasses asserting the essence of ritual in all religions or denominations leave alone that day’s attached essence. This implies that day in the calendar of a certain religion serves the purpose of togetherness as people observe it dutifully with the intention of enhancing its theme as well as bring people of same like mindedness and spirituality together. The connection between my observations and class’ materials encompasses an already set formula instituted in such a way to ensure it not only occurs at that day but continues even in the time to come. Hence, continuance of a tradition mostly associated with religions evident in the way people usually observe it each year. The essence of this role based on church encompasses arousing love in marriages and troubled relationships. Hence, ensure continuance of love especially in the institution of marriage which according to any religion is a sacred union. Based on my opinion, the day serves as remembrance of those troubled lovers to draw attention to people in any form of relationship, for instance, in a family setting. In terms religion’s doctrine and its connection with people, this particular day serves as a time meant to invoke celestial intervention for lovers through the aid of St. Valentine. This comprises one part of religion’s doctrinal practices whose core role is to draw people together to enjoy having that feeling of connection as well as experiencing celestial communion though on earth. Celestial experience, which in most cases involves spirituality, encompasses invoking the concerned saint to

Future of the Signal Corp Research Paper Example | Topics and Well Written Essays - 1250 words

Future of the Signal Corp - Research Paper Example However, implementation of the cyber offensive, defensive and network management remains a challenge to the department of defense. To support future force structure, there are fundamental strategies that the department of defense must set. Recognition of technological changes is important for successful implementation of the transformations. Signal soldiers should undertake their missions while considering the global arena’s upcoming technological challenges. The department of defense should adopt strategies that support successful implementation of the cyber offensive, defensive and network management. Adopted strategies should support reforms in accordance with the advancemnets in technology. Signal soldiers’ commanders should strive to attain six notable goals in the effort to adopt the requirements of micro-cyber transformation. First, there must be reforms in the operations of signal regiment. Second, there is necessity to upgrade the technological equipment applie d in the operations of signal regiments. Third, it is highly recommendable that there should be a change in the level of support provided to the signal regiment. Fourth, it is recommendable to update the process adopted in the purchase of necessary equipment. Modernization of the approach to training signal soldiers is the fifth concern. It is also recommendable to reduce the number of signal military specialization. Reforms should include combining signal soldiers from diverse occupational specialties to render them capable to undertake challenging missions while retaining the number. Signal soldiers should attain high level of competence in responding to demanding mission situations2. Implementation of the cyber offensive, defensive, and network management necessitates the establishment of tactical operations centers. Establishment of centers is significant to ensure successful mission command. Tactical operations center is important to enhance successful systems validation and co ordination of mission command. Training centers are essential in sensitization of signal soldiers of potential cyber threats that may hinder successful execution of their missions. Training centers are also important to sensitize soldiers on how to survive in cases of cyber attacks. Should cyber attacks threaten the network of signal soldiers, they shall have knowledge on how to respond to the situation. Trainers and army cyber commanders sensitize signal soldiers on survival in case of total failure of the entire communication system or in the absence of networks. Training at the center would advance signal soldiers’ knowledge on how they respond to and work without networks at accessible range. Successful implementation of the cyber offensive, defensive and network management requires suitable training of signal soldiers on how best to ensure protection of sensitive networks during their missions. The capability to secure and protect sensitive networks during missions is a vital success factor for signal soldiers during their missions. Knowledge on proper response mechanism is important to enhance soldiers’ success during missions. Training also focuses on enhanced cooperation between the intelligence and signal soldiers’ staffs to attend to any upcoming or arising threats during missions. Incorporating the role of intelligence and operations officers in enhancing the role of signal soldiers

Corporate strategy Essay Example | Topics and Well Written Essays - 1250 words

Corporate strategy - Essay Example This strategy pertains to the introduction of a free reward card system. Starbucks Coffee Starbucks Corporation is a global coffeehouse chain originated from Seattle, Washington. The company is the largest coffeehouse across the world having more than 17,000 stores in over 56 countries. This includes over 1,000 stores in Canada, 11,000 in the United States, more than 150 in Turkey and over 700 in the United Kingdom (Starbucks, 2011). The major products of Starbucks comprises of the espresso-based hot drinks, drip brewed coffee, coffee beans, other cold and hot drinks, hot and cold sandwiches, salads and Panini, snacks, pastries, and items such as tumblers and mugs. Besides these eatables, the company has also diversified itself to create a Hear Music brand in the Starbucks Entertainment division, and also markets books, films and music (Bolton, Ruth, Kannan, & Matthew, 2000, pp. 95). Many products of the company’s products are only specific to the store’s location or th e season. Starbucks-brand ice cream and coffee are also offered at grocery stores. Corporate Strategy at Starbucks The diversified and well managed company, Starbucks, manages its operations with the help of its corporate strategies. The company guides its scope and direction through its strategy in the long term and fulfils the expectations of its stakeholders successfully (Sharp, Byron & Anne, 1997, pp. 473). The corporate strategy of any organisation is also usually termed as its "mission statement". Requirements for the Implementation of a Strategy Before the implementation of any strategy, the organisation needs to analyse and understand whether the desired strategy is required within the company or not. In order to give life to the mission and vision of the company, the strategies are implemented which provide a far-sighted view and a correct direction for the activities of the organisation. Thus, for the purpose of formulating a new strategy and implementing it effectively, i t is essential that the style, structure, leadership, resources, change management and the entire system of the organisation act like a supporting block. A new strategy in an organisation would need the assistance of change management the most, for the reason that it would demand new resources, different management style and an entirely modern viewpoint of execution. It would require: Effective leadership; Additional tangible and non-tangible resources; Change management system; New processes and methods; Skilled human resources; and Modern system implementation. All these elements constitute the requirement of introducing a new strategy in an organisation. Implementation of the free reward card system The free reward cards pertain to the loyalty cards and such incentive coupons which are offered to the customers in order to increase their loyalty and the retention rate in the organisation (Lewis, Michael, 2004, pp. 281). The implementation of the free reward cards would assist Star buck’s corporate strategy and marketing strategies in many ways. If we consider the 7S model given by the Mintzberg and Quinn, the effect of the strategy implementation of Starbucks can clearly be analysed through the seven factors. It is explained as follows: 7S Framework by Mintzberg and Quinn The 7S framework was given by Mintzberg and comprises of the following elements: 1. Strategy: this pertains to the set of connected activities which are chosen to be applied as a course of action in the

The economic consequences for Ukraine in joining the Thesis

The economic consequences for Ukraine in joining the Russia-Belarus-Kazakhstan customs union - Thesis Example 1 Overview Statistics of Ukraine Economic Status p. 19 Fig. 2 Real Sector Performance of Ukraine p. 20 Fig. 3 State Budget Execution p. 21 Fig. 4 main State Budget Indicators for 2012-2013 p. 21 Fig. 5 Map of the Commonwealth of Independent States p. 22 Fig. 6 A Look at the Economic Picture for the CU in 2010-2011 p. 25 Fig. 7 EEU Timeline Implementation Infrastructure p. 29 Fig. 8 Nominal GDP of BRK Countries and Ukraine, 2000-2011 p. 32 Fig. 9 Structure of Gross Value Added in BRK and Ukraine, 2005 and 2010 p. 33 Fig 10 Structure of Industry by Branch in BRK and Ukraine, 2005 and 2010 p. 34 Fig. 11 Belarus Foreign Trade by Country Groupings p. 35 Fig. 12 Russia Foreign Trade by Country Groupings p.37 Fig. 13 Kazakhstan Foreign Trade by Country Groupings p. 39 Fig. 14 Ukraine Foreign Trade by Country Groupings p. 40 Fig. 15 Kazakhstan Foreign Trade Developments p.41 Fig. 16 Russia Foreign Trade Developments p.42 Fig. 17 Belarus Foreign Trade Developments p.43 Fig. 18 Ukraine Foreign Trade Developments p.44 Fig. 19 Service Imports p. 45 Fig. 20 Service Exports p. 46 Fig. 21 Belarus Export/Import Charts p. 47 Fig. 22 Kazakhstan Export/Import Charts p. 47 Fig. 23 Russia Export/Import Charts p. 48 Fig. 24 Common External Tariff of the BRK Customs Union p.50 Fig. 25 Gas Production Forecast Table 2005-2016 p. 52 Fig. 26 Gas Production Forecast Table 2014-2021 p. 53 Fig. 27 Major LNG Fields and Pipeline Network p. 54 Fig. 28 Global Competitiveness Index (GCI) Rankings p.55 Fig. 29 Mutualism in Europe: The Diverse Realities of the EU p. 57 Fig. 30 Common Principles of European Mutual Societies p.58 Fig. 31 Import Tariffs Before and After the Customs Union Creation p. 51 Fig.32.Global Financial... The purpose for this paper is to look at the surrounding circumstances of the Ukraine, what state the economy is in, what Ukraine’s main resources are, and how export and import situations would benefit if Ukraine were to join the Customs Union. In one section, three examples of Ukraine’s position in the marketplace will be examined with a projected analysis gleaned from literature review research as to whether joining the Union on a limited basis would be better or whether joining as a full member would be best, and finally, how Ukraine would manage by not joining at all. Consequently, this analysis would present a picture in time, based on certain circumstances only. War and natural disasters can strongly disrupt any strategic plans, no matter how carefully set up. Notwithstanding unexpected occurrences, perhaps other Unions may decide to relax some of their rules in order to bring Ukraine in to membership. For now, the European Union, while once a possibility, seems to be sidelined by Ukraine’s current political environment. The research motivation is to compare the various literature reviews by expert economists and scholars of scenarios and resulting factors of Ukraine joining the CU under various structures of membership. In that capacity, literature review is necessary for finding the picture currently available for the Ukraine and for the Customs Union through economic trends over the last few years and to bring that forward into the comparative analysis. The question in this thesis is to ‘determine how the Ukraine will fare economically if it does join the Common Union currently consisting of Russia, Kazakhstan and Belarus.’

Human Resource Management and Building Employee Loyalty Case Study

Human Resource Management and Building Employee Loyalty - Case Study Example Human resource management of Xeleco is a matter of recognizing people as perhaps the most important asset of Xeleco and to manage these people the best way possible. Xeleco's competitiveness in its market refers to their capability to uphold and expand market share. Competitiveness is related to Xeleco's effectiveness, which is determined by how much Xeleco satisfies the requirements of its stakeholders. The significant stakeholders comprise stockholders, customers as well as employees. Therefore, retention of employees becomes an important factor of Xeleco competitiveness. Xeleco's core employees are those that are essential to the service(s) Xeleco provides. These employees work year round, typically full time, and drive the business. Retention of core employees is vital to the business. To retain employees it is no longer enough to be competitive concerning pay. Employees of today relate their jobs to their private lives far more than they did in the earlier days. In earlier days employees would go to work, do their job, get their pay, and go home to a life often totally separated from work. Today the types of work have changed, and people's conceptions of work have changed in a way that makes retention of employees something much more complex than adding more pay. A dangerous myth existing from earlier days is that people only work for money. And yes, people do work for money, but they work even more for meaning in their lives, for fun, for jobs that will contribute something to their lives, and their family's life. Pay cannot substitute for a working environment high on trust, fun, and meaningful work. Companies that pay no attention to this fact are fundamentally bribing their employees and will pay the cost in lack of loyalty as well as obligation, and difficulty in retaining important employees. Today, employee benefits are a major force in determining employee retention, or employee happiness. One could argue that content employees make content customers, and that content customers make content stockholders. In this view, employee benefits become crucial to Xeleco's success. Incorporating retention strategies into the HR and succession plan plays a major role in the changing and increasingly mobile workforce. This has been linked with the move towards the Protean career where a person's career is frequently changing. Hence organisations must be ready to adapt to this change by benefiting them with career development programs thereby enhancing reputation and achieving greater retention of valued employees. In order to retain employees the organization must When considering succession planning, employee development is an integral strategic process which enables knowledge, skills and behaviour to be acquired to meet job changes and client requirements in the future as opposed to training which is immediate current job

There is no longer a need for prerogative powers today. They should Essay

There is no longer a need for prerogative powers today. They should all be in statutory form. - Discuss - Essay Example Thus, there is near consensus amongst the members of Parliament and the general public for discarding this concept. In the Iraq war issue, Prime Minister Tony Blair empowered Parliament to vote in support of the war. This was defective on two counts. First, Parliament should be empowered to declare war, without having to rely on any transfer of power by the Prime Minister. Second, there is no safeguard to prevent a future Prime Minister from waging war, without the consent of Parliament.2 The executive governmental powers constitute some of the prerogative powers. For example, the Crown is empowered, among other things, to conduct foreign relations. It is also empowered to conduct international affairs, declare war and sue for peace. The Crown can deploy the armed forces, appoint ministers and dissolve Parliament. However, the exercise of these powers necessitates the advice of the government. 3 Her Majesty has been provided with certain constitutional powers, which she can exercise as personal prerogative. These include the power of immunity from prosecution in the courts. Another such power is immunity from tax. Furthermore, the Queen enjoys proprietary interests in royal fish. Thus, the Royal Prerogative is an admixture of powers, rights, immunities, duties, and obligations.4 The empowerment of the Crown to conduct foreign relations and international affairs, to deploy the armed forces to a limited extent, to appoint ministers, dissolve Parliament and provide assent to bills, and to declare war or sue for peace, constitute its prerogative or executive powers. However, most of these powers can only be exercised by Her Majesty the Queen, after obtaining the advice of the government. There are a few powers that the Monarch can exercise independently; such as the dissolution of Parliament, creation of peers and providing assent to bills. In addition, the Queen can exercise some constitutional powers, as a part of her personal prerogative. These include immunity from prosecution, tax, and some proprietary interests. Thus, the royal prerogative is comprised of powers, immunities, rights and a miscellany of minor attributes like the prerogative of mercy. The Bill of Rights 1689 reduced the prerogatives of the Crown to a significant extent. The immunity for liability of the Crown in tort and contract was abolished by the Crown Proceedings Act 1947. In the Amphitrite case, the court ruled that the government of the UK was not bound by the assurance given to the ship owners. The courts had determined and controlled the scope and limitations of the executive powers of the government. Such powers had been distinguished from the executive powers derived from the Royal Prerogative.5 This decision brought home the fact that the prerogative powers were not absolute. The powers related to the Royal Prerogative, saw the light of the day, only in the year 2003. Most of these powers were left untouched, because their use would have resulted in a constitut ional crisis. This was evident in an issue in which the monarch refused the Royal Assent to an Act of the Parliament. These powers include the right to declare war on a foreign country and impose a state of emergency, within the nation. In addition, it consists of the right to pardon offenders in serious crimes.6 Moreover, it comprises of the right to deny passports and to exercise Crown ownership in several areas.

Luxury Store Audit Essay Example for Free

Luxury Store Audit Essay Monaco is a small country, but well known all over the world. All over the world it is known as a place of luxury. Every year a lot of tourists visit Monaco to have a good vacation visiting casinos, luxury restaurants and off course to do a shopping in a most known, luxury brands. In Monaco you can find a lot of different luxury boutiques for every taste; you can find everything from luxury cars to a luxury clothes and accessories. During the course of Luxury audit services we study a lot about the services in luxury stores. So our goal was to divide into groups and to do an audit of few stores. Our group was a big enough for such a mission, so we were thinking how to do it in a better way. And once we got a good idea. According to the information we received during the seminar with Guillaume Rose, in Monaco there are a lot of Russian millionaires, and they are always â€Å"invited guests† in different places. So we decided to split our group on two smaller groups and to compare the experience received in Gucci store and in Celine which are situated in the heart of Monaco, near the Casino and Hotel de Paris. I will share with you the Russian experience. I asked my friend, she is from Russia, for some help in this mission. Our story was that we family couple came from Russia for my friend’s wedding and as we already bought a new skirt for my wife we need to buy a new bag, which must be one of the last collections. And the second part of our group was native French with two different scenarios in two stores. As we will see next we received a little bit different experiences. Gucci store audit Firstly we decided to audit one of the most famous brands in the world, Gucci. At 12. 00 we entered the store. Before entering the store, we noticed that the showcase was clean, with good lighting, but there were no goods exposed. Entering the store, I noticed that the main glass door was all in hand prints and it was just 12. 00. Going to the store and pretending a married couple, we were arguing about the fact that my wife has already a bunch of bags and for what reason she is looking for one new. Staff in the store noticed us at once and ran to the side waving their heads as a greeting. Only the guard who was near the enter greeted us in a very polite form. We were walking through the shop for 3 minutes and a half and it gives us a good opportunity to study the store. We noticed that the reception area was clean as it is required, but there were not enough light, it gives to the store a much groomed look. And also no music and even no fresh flowers in the store. After 3 minutes and a half we meat a sales person who greeted us and introduced himself as a David. He asked us a few open questions in order to know what we are looking for. After he listened our story he was interesting in our previous experience with Gucci brand. We pretend that we don’t know anything about Gucci. He told us some information about the brand about its uniqueness and heritage. After that David proposed a few bags, he explained the value of that model and brought all the colors for that model. Also he guaranteed that the model will be in a trend for the next few years. What was not really very good it’s a careless handling of the bag and he put them on one big heap. And what impressed me very much is that he even don’t show the inner part of the bag, on my opinion it is very important to know how it is inside the bah which you are going to buy for a big amount of money. As I was pretending a husband who is not really happy to buy a new bag, I asked about the discount, and I get an answer in very polite form that there is no discount at all in Gucci store in Monaco. My pretending wife was asking me to buy the bag she liked and I was strong on my opinion. So a after that dialogue with my wife he proposed to book the bag till the evening for the case if I will change my mind. This was very polite from his side. But he doesn’t accompany us to the door and didn’t offer to giva us a business card and to right down us into the customers database. Totally we spend in the store 26 minutes. So in conclusion I can say that the experience I have received together with my pretending wife was far different from the French experience of my group mates. Celine store audit The second we decided to audit was the Celine also situated in the heart of Monaco. Our story was the same, we were looking for a bag which will be good to my â€Å"wife’s† new skirt which we have bought for a wedding we are invited here in Monaco. The showcase was very clean with good exposition of some goods. When we entered the store we noticed staff talking together near the cash machine, although all of them greeted us in their store. The area of the class was very clean , there were enough light, giving a good look to the goods represented in the store. After a minute and 20-30 seconds of waiting we meat a vendor, she was Russian so we were able to speak on our native language. It impressed me very much, so I was ready to buy everything in that store. She was asking a lot of open questions, to get more information about our needs and it was great, because after that she proposed a few models which were facing all our needs. She was very listening, so it helps her to understand our needs. She explained everything about the product, how to clean it and how to use it to leave it in a new condition. Of course she valued the model and showed a few others and different colors. She knows the material and the price for that bag without looking anywhere. But what upset me she didn’t spoke about the brand, because we don’t know anything about that brand, except that it is a luxury and expensive brand. As the bag we liked the most she proposed to book it till the next day midday, so that we can think about purchasing it. She remains courtesy even in the case of not buying that bag. She put our names in database and proposed her help for any other matters. She accompanies us to the door and wish a good day for us. We spend in that store 23 minutes and the felling was like we spend there almost an hour, the experience we received in the Celine store was great dispute of some moments. Conclusion As our group was divided for two smaller groups in order to compare different experiences. As Russian group visiting the Gucci store we received almost a great experience. Points to improve, I would recommend to put some products on a showcases, it is needed to clean the entry glass door and if there is such a need to clean it every hour. They need to put more lights in the store, because it was too dark. Some fresh flowers will do only a good role and some soft music will be very great. And of course some training course for the staff. Celine experience was really great and there is nothing to speak about. I wish them to continue in that way. The experience we received during these audits was one of the greatest. We were participating in the process not just as a customer’s but almost as professionals who can notice almost everything in the store. Thanks to Ozzy Monaco for a great course.

Serum-hepatocyte Growth Factor (S-HGF) in Diagnosis of SPNs

Serum-hepatocyte Growth Factor (S-HGF) in Diagnosis of SPNs Value of hepatocyte growth factor in the differential diagnosis of solitary pulmonary nodules[F1] Haixin Yu, Yan Wang*, Wenduan Ma, Haixiang Yu, Shengtao Shang Abstract Purpose: To evaluate serum-hepatocyte growth factor (S-HGF) in the differentiation of solitary pulmonary nodules(SPNs)[F2].[F3] Methods: The study comprised 42 serum samples from SPN patients and 10 healthy samples as control. The HGF was measured by the commercially available immunoassay[F4].[F5] Serum levels of HGF of 42 patients with SPN was measured by ELISA kit, and compared with the control group of 10 normal subjects. The nodules were diagnosed by operation and pathology. Results: The median level of S-HGF was 180( range from 100 to 300) pg/ ml in the healthy control group, 165( range from 100 to 400) pg/ ml in benign SPNs group and while 395( range from 100 to 1550) pg/ ml in malignant SPNs group, The S-HGF mean level of malignant group was significantly higher than the with significant difference observed between the malignant group and control group(P. Moreover, the malignant group was also significantly higher than the , and between the malignant group and the benign group(Pwhile no significant difference between the benign , but not between the benign group and the control group(Pà ¯Ã‚ ¼Ã… ¾0.05). Furthermore, the S-HGF was also shown no statistically significant difference was observed(Pà ¯Ã‚ ¼Ã… ¾0.05) in different pathologic types of the limited number of lung cancer patients.In addition, when S-HGF in different pathologic types of the limited number of lung cancer patients were compared, no statistically significant difference was observed (Pà ¯Ã‚ ¼Ã… ¾0.05). Conclusion: S-HGF is valuable in the differential diagnosis of solitary pulmonary nodules. It was suggest that the patients with SPNs should consider an operation when the S-HGF level ≠¥250pg/ml, and malignant SPNs are highly suspected while S-HGF level ≠¥400pg/ml, surgical intervention should be taken immediately.S-HGF is valuable in the differential diagnosis of solitary pulmonary nodules. An elevated S-HGF level≠¥250pg/ml in patients with SPNs may strongly speak for malignant nodules and operation is suggested. If S-HGF level ≠¥400pg/ml, malignant SPNs are highly suspected, active surgical intervention should be taken. Key words: diagnosis, hepatocyte growth factor, solitary pulmonary nodule, NSCLClung cancer 1. Introduction The solitary pulmonary nodules (SPNs) is a single mass in the lung less than or equal to 3 cm in diameter, without concomitant pneumonia and atelectasis of involved lung segments and lobes [1]. In the general population, it’s reported that approximately 5% of SPN patients show lung cancer by radiology [2], which is considered one of the most common forms of cancer with a high death incidence ratio in the world [3]. Diagnoses of benign and malignant SPN has been concerned and become a challenge in these decades [4, 5]. Therefore, it is utmost important to improve the method in the characterization of SPNs[6].   With the development of modern medical science and technology, several detecting and monitoring method were used in screening the SPNs and lung cancer [2, 7, 8], Momen[9] et al. have compared three detection methods for identifying malignant SPNs for the sensitivity and specificity. The positron emission tomography (PET) imaging was consistently higher (80 to 100%) for its sensitivity, while was with lower specificity and larger variation (40 to 100%). Also, they found the similar results in dynamic CT with enhancement (sensitivity, 98 to 100%; specificity, 54 to 93%). In studies of CT-guided needle biopsy, sensitivity and specificity performed excellent, but nondiagnostic results were seen approximately 20%. Dalli[8] et al. also showed the similar result in 2013. While Carsten[10] et al. suggested that routine flexible bronchoscopy should be included in the pre-operative work-up of patients with SPNs in his study. Even so, it seems to find a better detection method of long cancer an d characterization of SPNs is still necessary. Serum-hepatocyte growth factor (S-HGF, Serum-HGF) is an important fibroblast-secreted protein that mediates development and progression of cancers[11]. Nagio et al. [12] gave the evidence that the S-HGF levels of patients with small cell lung cancer (SCLC) were significantly higher than those of patients with benign SPNs and healthy subjects. Ujiie et al[13] had proved that the levels of HGF in serum could be used as prognostic indicators of the patients with stage III non-small cell lung cancer (NSCLC) undergoing surgery and chemotherapy. Kasahara et al. [14] found that higher HGF levels were significantly associated with a shorter progression-free survival (PFS) and overall survival (OS) in patients with non-small cell lung adenocarcinoma. The expression level of S-HGF could be a sensitive indicator and an independent biomarker for evaluating the therapeutic effects and the prognosis in patients with lung cancer. Therefore, we give the hypothesis that S-HGF may be a potential targ et in diagnoses of benign and malignant SPNs associated with lung cancer. In our study, we used Enzyme linked immunospot assay (ELISA) method to detect the S-HGF levels between different serum samples from SPNs patients and healthy subjects. The solitary pulmonary nodule(SPN) is defined as a round opacity ≠¤3 cm in diameter surrounded by lung parenchyma[1].There should be no associated with hilar lymphadenopathy, atelectasis, pneumonia or chest wall pathologies. With more importance attached to physical examination and the development of medical imaging examination technology, the detection rate of SPN is on the increase. In the general population, approximately 5% of all SPNs shown by radiology are reported to be carcinomas[2]. In eight large trials of lung cancer screening, Momen et al[3] have compared the sensitivity and specificity in three detection methods for identifying malignant SPNs. The sensitivity of PET imaging was consistently high (80 to 100%), whereas specificity was lower and more variable (40 to 100%). They found similar results in dynamic CT with enhancement(sensitivity, 98 to 100%; specificity, 54 to 93%).In studies of CT-guided needle biopsy, sensitivity and specificity were excellent, but nondiagnostic results were seen approximately 20% of the time. Carsten et al[4], in a study of 225 patients with SPN of unknown origin, observed that the bronchoscopic biopsy results were positive in 84(46.5%) patients with lung cancer. The differential diagnosis between malignant and benign solitary pulmonary nodules (SPNs) is always a difficult point in clinical practice. In this study, we inv estigate the clinical significance of the serum level of hepatocyte growth factor(HGF) in patients with SPNs. 2. Methods 2.1. Patients According to the definition, inclusion criteria was setà ¯Ã‚ ¼Ã… ¡Ãƒ ¯Ã‚ ¼Ã‹â€ 1à ¯Ã‚ ¼Ã¢â‚¬ °On computed tomography (CT), SPN is a round opacity ≠¤3 cm in diameter surrounded by lung parenchyma.à ¯Ã‚ ¼Ã‹â€ 2à ¯Ã‚ ¼Ã¢â‚¬ °There should be no associated with hilar lymphadenopathy, atelectasis, pneumonia or chest wall pathologies.à ¯Ã‚ ¼Ã‹â€ 3à ¯Ã‚ ¼Ã¢â‚¬ °Regardless of age and gender. In consideration of some influences, exclusion criteria was setà ¯Ã‚ ¼Ã… ¡(1)Inflammation or infection within a month. (2)Surgery or trauma within 6 months. (3)Various liver diseases. (4)Chronic renal failure. (5)Arteriosclerosis. (6)Rheumatoid arthritis and osteoarthritis. (7)Diabetes mellitus. The case group included 42 patients with SPNs, mean age 60.7 years (range, 42 to 72). Besides, 10 healthy adult subjects were chosen as control. 2.2. Specimen collection The morning fasting venous blood of all subjects was collected in sterile polypropylene tubes, containing ethylenediamine tetraacetic acid (EDTA), and immediately centrifuged at 400rpm for 10min. Then, the plasma was stored at -70 °C until the assays were performed. 2.3. Assay for S-HGF We used Sandwich enzyme-linked immunosorbent assay(ELISA) to measure S-HGF. The HGF monoclonal antibody and standard substance for the assays were purchased from American RD systems. Goat-anti-human HGF polyclonal antibody as the primary antibody and donkey-anti-goat IgG polyclonal antibody labeled with horseradish peroxidase as the secondary antibody were both purchased from British biotech company Abcam. 2.4. Pathological diagnoses All the 42 patients with SPNs were pathological diagnosed postoperatively. 12 cases were benign nodules(4/12 were tuberculoma, 6/12 were inflammatory pseudotumor, 2/12 were hamartoma) and 30 cases were malignant nodules(17/30 were adenocarcinoma, 13/30 were squamous carcinoma). 2.5. Statistical methods All data were analyzed by SPSS 19.0. Because the measured data manifested as skewed distribution, geometrical mean Gà ¯Ã‚ ¼Ã‹â€ logG ±sà ¯Ã‚ ¼Ã¢â‚¬ °was calculated in each group after logarithmic transformation had been carried out on each datum. Then, Students t test was performed on both sides. Differences were considered statistically significant at Pà ¯Ã‚ ¼Ã…“0.05. 3. Result The S-HGF data measured of healthy control group, benign SPNs group and malignant SPNs group is shown in Table 1Table 1 are the measured S-HGF data of healthy control group, benign SPNs group and malignant SPNs group. All the data manifest as skewed distribution(All Pà ¯Ã‚ ¼Ã…“0.05). Geometrical mean Gà ¯Ã‚ ¼Ã‹â€ logG ±sà ¯Ã‚ ¼Ã¢â‚¬ °was calculated in each group after logarithmic transformation had been carried out on each datum(Table 2). TABLE 1 The S-HGF levelà ¯Ã‚ ¼Ã‹â€ pg/mlà ¯Ã‚ ¼Ã¢â‚¬ ° of healthy control group, benign SPNs group and malignant SPNs group. TABLE 2 The comparison of S-HGF level of each group after logarithmic transformation had been carried out on each datum. aBenign SPNs group vs healthy control group, Pà ¯Ã‚ ¼Ã… ¾0.05 bMalignant SPNs group vs healthy control group, Pà ¯Ã‚ ¼Ã…“0.05 cMalignant SPNs group vs benign SPNs group, Pà ¯Ã‚ ¼Ã…“0.05 The S-HGF level of benign SPNs group compared with the healthy control group, there were no significant differences (Pà ¯Ã‚ ¼Ã… ¾0.05). The S-HGF levels of malignant SPNs group were significantly higher than those of healthy control group(Psignificant differences (Pà ¯Ã‚ ¼Ã… ¾0.05, Table 3). TABLE 3 The comparison of S-HGF level of adenocarcinoma and squamous carcinoma aSquamous carcinoma vs adenocarcinoma, Pà ¯Ã‚ ¼Ã… ¾0.05 4. Discussion Hepatocyte growth factor/scatter factor (HGF/SF) from the serum of hepatectomized rats was first partially purified and described by Nakamura in 1984[15]. HGF receptor encoded by the c-met proto-oncogene is a member of the tyrosine kinase class of cell surface receptors. As a kind of cytokine, the hepatocyte growth factor(HGF) has widely biological activities, including regeneration, antifibrosis, cytoprotection, and differentiation[16]. Moreover, HGF is a predominant fibroblast-derived factor that stimulates mitogenesis, motogenesis, and the invasion and metastasis of human carcinoma cells [17]. The growth and metastasis of tumors depend on angiogenesis which is the result of the imbalance of promoters and inhibitors. The S-HGF levels in patients with acute hepatitis, chronic hepatitis and cirrhosis were found to be slightly higher than those in normal subjects[18]. So the patients with various liver and gall diseases were first excluded. So far, some studies showed the S-HGF levels were significantly increased in patients with Inflammation, infection, underwent surgery or trauma. Therefore, the patients with inflammation or infection within a month and the patients underwent surgery or trauma within 6 months were both excluded. Johanna et al. [19] had concluded that patients with chronic renal failure (CRF) have a systemic HGF profile reflecting a chronic inflammatory condition with high concentration, but low biological activity, of HGF. Therefore, the patient samples with CRF were also excluded. The S-HGF levels in patients with arteriosclerosis, rheumatoid arthritis, osteoarthritis, and diabetes mellitus were reported to be significantly higher than that in healthy population. So, the patients with these diseases were excluded as well. Tsao et al.[20] showed the HGF messenger RNA(mRNA) and protein were predominantly expressed by the tumor cells in a high percentage of primary NSCLC. Our study showed serum of the healthy control group contained trace amounts of S-HGF, the S-HGF levels of the patients with benign SPNs were nearly close to the healthy control group(PHGF levels of the patients with malignant SPNs were significantly higher than the healthy control group(Pà ¯Ã‚ ¼Ã… ¾0.05) and the benign SPNs group(Pà ¯Ã‚ ¼Ã… ¾0.05). It illustrated that the high level of S-HGF was associated with lung cancer. And it was further confirmed that S-HGF could be expressed by the carcinoma cells in NSCLC. The S-HGF levels of part of patients with squamous carcinoma in the malignant SPNs group were observed to be higher(à ¯Ã‚ ¼Ã… ¾700pg/ml) and the S-HGF statistical analysis by the statistical difference between the squamous carcinoma group and adenocarcinoma group, for the S-HGF, the median level of the squamous carcinoma group was 370(100-1500)pg/ml while the adenocarcinoma group was 420(100-1550)pg/ml, no statistically significant difference between the two groups(P>0.05). No further conclusions could be made, in case of the number limitation of the samples. The result confirmation should be amortized awaits further research. Further analysis of the 20 patients with high levels of S-HGF(≠¥250pg/ml), there are 3 patients(15%) with benign SPNs and 17 patients(85%) with malignant SPNs. Furthermore, for the 20 patients, the result shows that 1 patients (6.25%) with benign SPNs and 15 patients (93.75%) with malignant SPNs in the 16 patients with high levels of S-HGF(≠¥400pg/ml), It reveals that an elevated S-HGF level ≠¥250pg/ml in patients with SPNs are more likely to be malignant and when the S-HGF level ≠¥400pg/ml, malignant SPNs are highly suspected. Conclusion In conclusion, our study shows significant in the differential diagnosis between malignant and benign solitary pulmonary nodules (SPNs) for the S-FGF assay. The S-HGF levels of malignant SPNs group are significantly higher than the healthy control group(P SPNs group(Pà ¯Ã‚ ¼Ã…“0.05). The differences between benign SPNs group and healthy control group have no statistically significant(Pà ¯Ã‚ ¼Ã… ¾0.05). An elevated S-HGF level ≠¥250pg/ml in patients with SPNs are more likely to be malignant, surgical therapy should be considered. If S-HGF level ≠¥400pg/ml, malignant SPNs are highly suspected, surgical intervention is recommended without delay. Hepatocyte growth factor/scatter factor (HGF/SF) from the serum of hepatectomized rats was partially purified and described by Nakamura for the first time in 1984. HGF receptor encoded by the c-met proto-oncogene is a member of the tyrosine kinase class of cell surface receptors. As a kind of cytokine, the hepatocyte growth factor( HGF) has widely biological activities, including regeneration, antifibrosis, cytoprotection, and differentiation[5]. Moreover, HGF is a predominant fibroblast-derived factor that stimulates mitogenesis, motogenesis, and the invasion and metastasis of human carcinoma cells[6]. The growth and metastasis of tumors depend on angiogenesis which is the result of the imbalance of promoters and inhibitors. Sengupta et al[7] had demonstrated that HGF/SF could induce angiogenesis independently of VEGF, possibly through the direct activation of the Akt and ERKs. The S-HGF levels in patients with acute hepatitis, chronic hepatitis and cirrhosis were found to be slightly higher than those in normal subjects[8]. So the patients with various liver and gall diseases were first excluded. So far, some studies have found the S-HGF levels were significantly increased in patients with Inflammation or infection, or underwent surgery or trauma. Therefore, the patients with inflammation or infection within a month and the patients underwent surgery or trauma within 6 months were both excluded. Johanna et al[9] had concluded that patients with CRF have a systemic HGF profile reflecting a chronic inflammatory condition with high concentration, but low biological activity, of HGF. Therefore, the patients with CRF were also excluded. The S-HGF levels in patients with arteriosclerosis, rheumatoid arthritis, osteoarthritis, and diabetes mellitus were reported to be significantly higher than that in healthy population. So, the patients with these diseases were all excluded. Tsao et al[10] had showed that HGF messenger RNA(mRNA) and protein were predominantly expressed by the tumor cells in a high percentage of primary NSCLC. It indicated in our research that the serum of the healthy control group only contained trace amounts of S-HGF, the levels of S-HGF of the patients with benign SPNs were close to those of the healthy control group(Pà ¯Ã‚ ¼Ã… ¾0.05) and the benign SPNs group(Pà ¯Ã‚ ¼Ã… ¾0.05). It illustrated the fact that high level of S-HGF was associated with lung cancer. And, it was further confirmed that S-HGF could be expressed by the carcinoma cells in NSCLC. In addition, Nagio et al[11] had proved that the levels of S-HGF of patients with SCLC were significantly higher than those of patients with benign SPNs and healthy subjects. The levels of S-HGF of a portion of patients with squamous carcinoma in the malignant SPNs group were observed to be higher(à ¯Ã‚ ¼Ã… ¾700pg/ml) and statistical analysis was conducted to fond the statistical difference of S-HGF between the squamous carcinoma group and the adenocarcinoma group. The S-HGF median of the squamous carcinoma group was 370(100-1500)pg/ml and the adenocarcinoma group was 420(100-1550)pg/ml, no statistically significant difference was found between the two groups(P>0.05). No firm conclusions could be made, possibly due to the limited number of cases. It is of concern and remains to be further studied. Further analysis was taken in 20 patients with high levels of S-HGF(≠¥250pg/ml), 3 patients(15%) had benign SPNs and 17 patients(85%) had malignant SPNs. Further observation was made, among the 20 patients, there were 16 patients with high levels of S-HGF(≠¥400pg/ml), 1 patients(6.25%) had benign SPNs and 15 patients(93.75%) had malignant SPNs. It reveals that an elevated S-HGF level ≠¥250pg/ml in patients with SPNs are more likely to be malignant and if S-HGF level ≠¥400pg/ml, malignant SPNs are highly suspected. Ujiie et al[11] had proved that the levels of HGF in serum could be useful prognostic indicators of the survival of patients with stage III NSCLC undergoing surgery and chemotherapy. Kasahara et al[12] had shown that higher HGF levels were significantly associated with a shorter progression-free survival (PFS) and overall survival (OS) in patients with non-small cell lung adenocarcinoma. The expression level of S-HGF could be a sensitive indicator and an independent judgement standard for evaluating the therapeutic effects and the prognosis in patients with lung cancer. Furthermore, understanding the role of HGF in the tumor progression may help in designing new therapeutic strategies for lung cancer. In conclusion, the assay for S-HGF may be of some significance in the differential diagnosis between malignant and benign solitary pulmonary nodules(SPNs). The S-HGF levels of malignant SPNs group were significantly higher than those of healthy control group(Pà ¯Ã‚ ¼Ã…“0.05). The differences between benign SPNs group and healthy control group had no statistically significant(Pà ¯Ã‚ ¼Ã… ¾0.05). An elevated S-HGF level ≠¥250pg/ml in patients with SPNs are more likely to be malignant, surgical therapy should be suggested. If S-HGF level ≠¥400pg/ml, malignant SPNs are highly suspected, active surgical intervention should be taken. References 1.  Hansell, D.M., et al., Fleischner Society: glossary of terms for thoracic imaging. Radiology, 2008. 246(3): p. 697-722[à ¥Ã‚ ¼Ã‚  Ãƒ ¨Ã¢â‚¬ ¹Ã‚ ±Ãƒ ¥Ã‚ ½Ã‚ ª13]. 2.  Klein, J.S. and M.A. Zarka, Transthoracic needle biopsy: an overview. J Thorac Imaging, 1997. 12(4): p. 232-49. 3.  Siegel, R., D. Naishadham, and A. Jemal, Cancer statistics. CA Cancer J Clin, 2012. 62(1): p. 10-29. 4.  Cao, C., et al., A meta-analysis of unmatched and matched patients comparing video-assisted thoracoscopic lobectomy and conventional open lobectomy. Ann Cardiothorac Surg,2012. 1(1): p. 16-23. 5.  Zhan, P., Q. Qian, and L.K. Yu, Prognostic value of COX-2 expression in patients with non-small cell lung cancer: a systematic review and meta-analysis. J Thorac Dis, 2013. 5(1): p. 40-7. 6.  Tong, X., et al., [Clinical experience of the treatment of solitary pulmonary nodules with da vinci surgical system]. Zhongguo Fei Ai Za Zhi, 2014. 17(7): p. 541-4. 7.  Aberle, D.R., et al., Results of the two incidence screenings in the National Lung Screening Trial. N Engl J Med, 2013. 369(10): p. 920-31. 8.  Dalli, A., et al., Diagnostic value of PET/CT in differentiating benign from malignant solitary pulmonary nodules. J BUON, 2013. 18(4): p. 935-41. 9.  Wahidi, M.M., et al., Evidence for the treatment of patients with pulmonary nodules: when is it lung cancer?: ACCP evidence-based clinical practice guidelines (2nd edition). Chest, 2007. 132(3 Suppl): p. 94S-107S. 10.  Schwarz, C., et al., Value of flexible bronchoscopy in the pre-operative work-up of solitary pulmonary nodules. Eur Respir J, 2012. 41(1): p. 177-82. 11.  Ma, D.C., et al., [Hepatocyte growth factor did not enhance the effects of bone marrow-derived mesenchymal stem cells transplantation on cardiac repair in a porcine acute myocardial infarction model]. Zhonghua Xin Xue Guan Bing Za Zhi, 2006. 34(2): p. 119-22. 12.  Takigawa, N., et al., Serum hepatocyte growth factor/scatter factor levels in small cell lung cancer patients. Lung Cancer, 1997. 17(2-3): p. 211-8. 13.  Ujiie, H., et al., Serum hepatocyte growth f

Oil Platforms Case Study

Oil Platforms Case Study The Oil Platforms Case The Rule of Force in International Law I. Introduction This paper relates to the Case Concerning Oil Platforms (Islamic Republic of Iran v. United States) of the International Court of Justice and its decision on the same delivered on November 6th, 2003. The dispute is related to a series of events that occurred during the Iran-Iraq war 1980-1988. During the war, due to attacks on merchant shipping vessels in the Persian Gulf, the US and other states engaged in â€Å"counter-attack† by targeting two Iranian oil platforms and severely damaging them in separate incidents. The US argued that it was only responding to a perceived threat and the attacks were only in the interest of security in the region. Tehran, not buying this theory of self-defence put forth by the US, cited several violations of bi-lateral International treaties crying foul over such use force. The prohibition of the usage of force by states in engrafted in customary international law as well as in Article 2 (4) of the UN Charter. But both fall short of containing force that is used in the States exercise of the right of self-defence. The ICJ in this particular case had to assert whether the force used by the US was really pre-emptive in nature; if it was, was it proportionate. The court whilst delivering its judgment developed an interesting new theory on such use of force by a state, a theory which has only been received critically. This paper shall seek to explore this particular theory in light of the aforementioned case. It must also be noted that this being a recent judgment holds immense practical significance with regard to the US operations in Afghanistan, Iraq and the troubled Baluchistan and NWFP provinces of Pakistan. To facilitate easy study, this paper has been divided into three parts; the first shall be an appraisal of the facts of the case itself, the second shall be a study of Article 2(4) and the final part will be a review judgment. II. The Facts of the Case and its Backdrop The case arose out of certain incidents during the Iran-Iraq war from 1980 to 1988. The case before the international Court of Justice revolved around the legality of the use of force with relation to two specific attacks against Iranian interests by US forces during the course of the war. The first instance was on October 19th, 1987. The US navy launched armed attacks against Irans Reshadat and Resalat oil complexes, both located in the Persian Gulf. This resulted in the complete annihilation of one of the oil platforms, whereas the other was severely damaged. As justification, the US claimed it was acting in ‘self-defence and the attack was in response to a missile strike three days prior on the Sea Isle City, a Kuwaiti tanker rebadged as a US flag-carrier in order to better ensure its safety. The second attack occurred a year later on April 18th, 1988 when US naval strikes severely damaged the Iranian Nasr and Salman complexes, nearly destroying the former. This time the US resorted to its prior justification of â€Å"acting in self-defence† again by stating that the attacks were in response to an American frigate, the USS Samuel B. Roberts, having been struck by a mine whilst sailing in international waters near Bahrain. On both instances the US notified the United Nations Security Council of its course of action in accordance with Article 51 of the UN Charter. The Iranian Government in its Application to the court based its claims on the 1955Treaty of Amity, Economic Relations and Consular Rights between the US and Iran (the Treaty), not sparing basic principles of international law. The Courts (the International Court of Justice) jurisdiction was founded on Article XXI (2) of the Treaty. Article I of the Treaty provided that â€Å"there shall be firm and enduring peace and sincere friendship between the United States of America and Iran†. Article X(1) of the Treaty provided that there should be freedom of commerce and navigation between the parties territories: â€Å"Between the territories of the two High Contracting Parties there shall be freedom of commerce and navigation.† Based on Articles I and X(1) of the Treaty of Amity, Iran accused the United States of having breached the Treaty by attacking and destroying the oil platforms. It also submitted that United States â€Å"patently hostile and threatening attitude towards the Islamic Republic of Iran† was a breach of the very purpose and object of the Treaty of amity including Articles I and X(1), and principles of international law, and that the US was under an obligation to make reparations to Iran for the violation of such legal obligations. The US denied any breach of obligation with Iran under Article X(1) and replied that the attacks were necessary to protect its national security. This, according to the US, was covered by Article XX(1)(d) of the Treaty and read: â€Å"The present Treaty shall not preclude the application of measures: (d) necessary to fulfill the obligations of a High Contracting Party for the maintenance or restoration of international peace and security, or necessary to protect its essential security interests.† Also, the US, in another counter-claim pleaded unsuccessfully, claimed that Iran had violated Article X of the Treaty by attacking its vessels and laying mines in the Persian Gulf and â€Å"engaging in activities from 1987 to 1988 that were dangerous and detrimental to maritime commerce and navigation†. The US claims of military attack on merchant vessels and warships were not completely unfounded. During the from 1984 to 1988, known as the Tanker War, numerous vessels were attacked in the Persian Gulf and such attacks were perceived to be purported by the Iranian military by means of aerial attacks and the use of mines. The Llyods Maritime Information Service list noted more 546 incidents, 200 of which were directly attributed to Iran. Iran, however, directed such accusations to Iraq and claimed responsibility for none. It must be noted here that the Treaty of Amity was signed between the US and Iran back in 1955. After the Islamic Revolution of 1979 in Iran and the installation of the Khomeini as the head-of-state in all practical aspects, relations between the two states soured and was particularly before the start of the Iran-Iraq war. During the revolution, the US expressed its dissatisfaction with affairs in Iran by severing all diplomatic ties with the Islamic state. The American embassy at Tehran was seiged by supporters of the Khomeini and Americans were taken hostage for a considerable period of time. Irans previous democratically regime headed by the Shah had been seen by the US as an ally; this did not go down too well with its new Government which accused the US of â€Å"over-involvement† with its internal affairs during the past regime. Further, the new government of Iran saw the inability of the Security Council to prevent and contain Iraqs invasion of Iran in September, 1980 as the result of an anti-Iran bias in the Council and even in the UN as a whole. Under such circumstances, the Iranian regime saw the increasing presence of American forces in the Persian Gulf as a perceived threat to its interests resulting in the attacks. Ergo, this conflict was not completely unpredictable; nor was it unavoidable as it had been on the offing for a while. In this respect, the Security Council had failed to check the rising tension between the two states. As a body whose primary task is maintaining world peace and stability it had failed to contain such a conflict which could have been resolved had it played a more active role in mediation between the states. III. Article 2(4) The Blind-spot Article 2(4) of the UN Charter reads: This provision of the Charter however, finds itself lacking and is ill-equipped to handle a rather important aspect international armed conflict. Its blind-spot it has no provisions for prohibition of military threats or the threat of use of force. The ambit of article 2(4) is limited to actual use of military force and â€Å"threats† to impose economic or political sanctions are beyond it. According to the general scheme of the UN charter, a violation of Ar. 2(4) may be justified only on two grounds recourse to self defence and authorisation by the UNSC. This brings us to the moot question Are states free to reciprocate to threats when no armed attack has actually occurred? This question has been left unanswered and its outcome the many wars fought even after the UN Charter was adopted. Two perfect examples of such a situation arose in Europe in August, 1914, the beginning of the First World War and again during the Second World War. The question before a nation is whether to ignore the military threat or to issue a counter-threat. In such a situation when one party is advantaged by overwhelming military threat, the threat involved will become lopsided and there will not be any real escalation or build-up of bilateral tension. Any country will always place self-defence on a higher footing as compared to a policy of self-restraint considering the demands of national security. The prohibition on the use of force is found both in customary international law and, as stated above, in Article 2(4) of the UN Charter. According to the UN Charter a state is not allowed to use force as a response to any intervention that falls short of an armed attack. The criterions established for the exercise of such retaliatory force include requirements that the force used must be necessary to repel the armed attack; it must be absolutely unavoidable and the force used must be proportionate. The Nicaragua decision [Case Concerning Paramilitary Activities in and against Nicaragua (Nicaragua v. USA)] echoed this principle. Article 51 carrying forward from Article 2(4) too recognizes states right to act in individual and collective self-defence if an armed attack is suffered by any member-state of the UN. Under Chapter VII of the UN Charter, force may also be used to preserve or restore international peace and security in accordance with decisions of the UN Security Council. In the Nicaragua case, the Court rejected US arguments that US support for military and paramilitary activities in and against Nicaragua could be justified on a basis of collective self-defence. These activities included certain activity of the contras in Nicaragua, including specified attacks, secret mine-laying, and a trade embargo imposed by the US against Nicaragua. The Court found the United States was in breach inter-alia of its obligations under customary international law not to intervene in the affairs of another State, not to violate the sovereignty of another State, not to interrupt peaceful maritime commerce and not to use force against another State. The US had also violated bilateral obligations to Nicaragua under a 1956 Treaty of Friendship, Commerce and Navigation between the United States of America and the Republic of Nicaragua. In the Nicaragua case the US chose not to appear before the Court during proceedings on the merits of the case. The Courts jurisdiction was founded on the United States 1946 declaration of acceptance of the Courts jurisdiction under Article 36(2) of the Statute of the Court, as well as on the bilateral 1956 Treaty. IV. The Judgement The approach taken by the International Court of Justice in the Oil Platforms case was controversial. In respect of Irans claim, the Court decided to address the question of whether the US attacks on Iranian oil platforms fell within Article XX(1)(d), before moving on to considerwhether there had been a breach of Article X(1) as requestedby Iran. In examining the application of Article XX(1)(d) the Courtdecided to focus on whether US recourse to force had been consistentwith international law on self-defence. The Court reasoned that evena provision protecting national security interests could not have beenintended to sanction the use of force inconsistently with relevant internationallaw. The Court proceeded to find that the US had exceededthe boundaries of international law on the use of force, and this disposedof the US claim that it was protected by Article XX(1)(d). In this way, the case centred on the illegality of the usage of force by the US. Recalling the discussion Article 2(4), the Court found that the US had failed to produce enough evidence to prove an Iranian â€Å"armed attack† in the case of the Sea Isle City and the Samuel B. Roberts. The evidence furnished by the US was so inconclusive that the Court did not discount the possibility of the attacks being carried out by Iraq. The Court noted that the Sea Isle City, at the time of the attack, was in Kuwaiti waters and the missile was launched on to it from a distance of over a hundred kilometres. The target of the missile, considering the great distance, could not have been pre-determined and it could have been intended to strike just about any target in Kuwaiti waters. With regard to the impugned mine-laying activities of Iran, the Court was again discontent with the evidence provided. There was no conclusive evidence to prove that the mine struck by the USS Samuel B. Roberts was indeed an Iranian one. The region at that time was in a state of turmoil. Both parties were engaged in mining the conflict zone and merely because the impugned mines bore numbers matching an Iranian series, Iran can not be held guilty. Whilst leaving room for speculation with the issue of the origin of the mines, the Court felt that even if they had actually been of Iranian origin, the US attacks on the Salman and Nasr complexes were unjustified. Recalling the Nicaragua decision, the Court opined that the Iranian attacks, if at all they were Iranian, did not qualify as â€Å"the ‘most grave form of the use of force† and the US can not claim the defence of â€Å"inherent right of self-defence†. The US contended that the oil platforms were being used as military bases by Iran and were being used for the collection and reporting of intelligence on passing vessels. In this regard too, the Court found the American evidence lacking. Even if the accusations against Iran had been true, the Court opined that the attacks made on the platforms could not have been justified as acts of self-defence. The criteria for claiming the defence of ‘self-defence had been established by the Court while acting in its advisory role in the case of Legality of the Threat or Use of Nuclear Weapons; they were â€Å"necessity† and â€Å"proportionality†. The US had failed to make out a sufficient cause on both grounds. The Court noted that the attacks on the platforms were not ‘necessary as a response to the attacks on the American vessels and the US admitted to have attacked them as a â€Å"target of opportunity† and not as pre-determined military targets. While the US attack on the Reshadat and Resalat complexes might have been considered proportionate if it had been found to be necessary, the Court made clear its view that the US attack on the Salman and Nasr platforms could not be regarded as meeting the criterion of proportionality. Although the Samuel B. Roberts had been severely damaged it had not been sunk and there had been no loss of life. The Court concluded that as the US attacks on the Iranian oil platform were not consistent with these requirements of international law on self-defence they could not be found to fall within the protection of Article XX(1)(d) of the Treaty of Amity. Only at this point did the US get some reprieve when the Court turned to the Iranian accusation of the US having breached Article X(1) of the Treaty of Amity by interfering with the freedom of commerce and navigation between the territories of the two parties. The Court found that Iran had failed to establish that the US had breached Article X(1) on the occasion of either of the attacks at issue. In respect of the first US attack, on the Reshadat and Resalat platforms, the Court reached this conclusion primarily on the basis that these platforms had been put out of commission by earlier Iraqi attacks and were not producing oil at the time. Therefore there was no interference with commerce in oil. In respect of the second US attack, on the Salman and Nasr platforms, the Courts reasoning was that the US had already stopped all direct oil imports from Iran under an embargo imposed by Executive Order. Therefore, no interference with commerce in oil had resulted from this second attack. T he Court emphasised that Article X(1) applied only to protect freedom of commerce and navigation between the territories of the two parties, and its protection did not extend to indirect commerce in oil that continued despite the embargo via the territories of third parties. Accordingly, neither of the US attacks on the Iranian Oil Platforms was found to have interfered with freedom of commerce in oil. The US counterclaim against Iran likewise failed because none of the affected vessels was engaged in commerce or navigation between the territories of the two parties. Summing the case, in its dispositif at the end of its judgment, the Court stated that, by fourteen votes to two, it: Finds the actions of the United States of America against Iranian oil platforms on 19 October 1987 and 18 April 1988 cannot be justified as measures necessary to protect the essential security interests of the United States of America under Article XX, paragraph 1(d), of the 1955 Treaty of Amity, Economic Relations and Consular Rights between the United States of America and Iran, as interpreted in the light of international law on the use of force; finds further that the Court cannot however uphold the submission of the Islamic Republic of Iran that those actions constitute a breach of the obligations of the United States of America under Article X, paragraph 1, of that Treaty, regarding freedom of commerce between the territories of the parties, and that, accordingly, the claim of the Islamic Republic of Iran for reparation also cannot be upheld. V. Comments The Oil Platforms case is of immense significance in present times in light of the growing military activities of the US in the Middle East, especially in Iraq and Afghanistan. However, its detractors criticise the judgment by stating that it laid too little importance on the aspect of trade and commerce and the role it plays in armed conflict. This can not be ignored completely; after all, most battles are fought with a hidden economic interest for atleast one of the parties. The dissenting judges opined that the Court let pass an opportunity for more lengthy engagement with significant questions associated with the effects of armed conflict on trade and commercial activity. But, this cases primary focus was the use of force and in the opinion of the researcher it has done absolute justice in establishing its principle. The conditions of â€Å"necessity† and â€Å"proportionality† have not only been reinforced by the Court but also been developed to address the growing concerns of armed conflicts between states. As the future of Afghanistan and Iraq unfold before us and American interest in Irans affairs rises, the contribution of the judgment in the Oil Platforms case can not be ignored. It shall be the judge in assessing US activities in the region and will assist in developing the yard-stick of the usage of force. In a way future military activities of the US and other NATO allies will be moulded by it, ensuring a more secure world. Bibliography Harris D.J., Cases and Materials on International Law, Sweet Maxwell, London, 6th edition. Goodrich Leland, Hanbro Eward, Simmons Anne, Charter of the UN: Commentary Documents, Oxford University Press, 3rd edition. Sturchler Nikolas, The Threat of force in International Law, Cambridge University Press, Cambridge, 2007. General List No 90, I.C.J. Reports 2003 Sturchler Nikolas, The Threat of force in International Law, Cambridge University Press, Cambridge, 2007. See the Courts Order dated 12th December, 1996. Judgment of the Court, para 23. Counter-Memorial of the United States, Exhibit 9, referred to in the Separate Opinion of Judge Kooijmans, para 11. See the Courts Judgment of 24 May 1980 in the Case Concerning United States Diplomatic and Consular Staff in Tehran. Judgment of the Court, para 23ff; Separate Opinion of Judge Kooijmans, para 5ff. Goodrich Leland, Hanbro Eward, Simmons Anne, Charter of the UN: Commentary Documents, Oxford University Press, 3rd edition, p. 49. Supra n.2 Sturchler Nikolas, The Threat of force in International Law, Cambridge University Press, Cambridge, 2007. General List no.70, Judgment of the Court of 27th June, 1986. Ibid. Judgment of the Court, para 61. Ibid., para 72. Ibid., para 64. Judgment of the Court, para. 71. Judgment of the Court, para. 64. Judgment of the Court, para. 74. ICJ Reports 1996 (I), p. 245, para.41. Judgment of the Court, para. 76. Judgment of the Court, para. 77. Judgment of the Court, para. 92ff. Judgment of the Court, para. 94ff. Separate Opinion of Judge Higgins para 51.

black and white :: essays research papers

Change as changing times and techology................. People often use these terms without realizing that word CHANGE has neither a denotation nor a connotation of advancement,improvement or progress; a change can take place at any direction: forward, backward, up and downward! In common, plain English, speaker is required to specify the condition and direction of Change as the expressions are used to define the changing subject matter as in: "change for the better" "change for the worse" Those who promote and seek change in society, by their misuse of the word CHANGE, mostly will misrepresent their agenda or program for change in existing conditions and stations of their community. Beware when you hear the talk of changing societty I am going to write this paper through the eyes of someone else, who had a impact on my life. As it made me realize the number of different ways people are being taught about a specific issue. It was at the beginning of my freshmen semester, I went into a classroom without the intentions of it having any impact of my life. What I did not know was that this course held not only a vision for the future but also answers to my past. Growing up, I was influenced by a society that was inhabited almost entirely by blacks. For that reason only, I have been completely aware of any bias or unfair treatment to minorities. Because of this upbringing, I found many incidences discussed in this one class I was in quite believable. However, my views on our society and the educational system have been broadened which leads me to believe that the teachers of the future now have the key to a fair, unbias education for each student that enters the school. As she seen me in class, and I seen the curiousty in those blue eyes, I knew it was only time before we were going to examine the differences in our lives as well as our values, As time went on we learned that we shared some of the same hurdles growing up. The death of a sibling as well as the experience at multiple schools as "the new student" are just a few of the ways in me and her that were quite similar. As many people know, dealing with issues like this can be quite hazardous to how a young child develops into a functioning adult. She would say to me, the course discussions and lectures that I experienced had a dynamic impact on my personal beliefs and values.

Foundations of Political Thought Essay examples -- Philosophy, Aristot

Aristotle and Socrates and Plato’s beliefs have similarities mainly evident in their denouncement of democracy for the state. The views of Socrates expressed and written by his pupil Plato are vastly philosophical in nature and he promotes the idea of questioning life to achieve insight. The philosophers who possess the absolute truth are the best equipped to rule society according to Plato and his Allegory of the Cave. Conversely, Aristotle takes a more political science approach of discussing and analyzing various constitutions to determine the best form of government, where the rational beings in a society are the natural rulers. Aristotle promotes the idea of rule based on law rather than simple superiority. The differences in these beliefs are important because of the implications of Aristotle’s writings, which provide a way for citizens and statesmen to utilize philosophy in politics and the state. Consequently, information in Politics is seen again througho ut modern politics. The similarities of Aristotle’s beliefs expressed through his writings in Politics to the beliefs of Plato and Socrates expressed in the recorded dialogues of The Republic are centered mainly on a fear of democracy. Aristotle asserts that only those who are concerned with virtue and good government should be the leaders in a society or community (Politics, 80). In Book III of Politics Aristotle describes what the role of the majority should be in politics, By means of these considerations, too, one might solve the problem mentioned earlier and also the related one of what the free should have authority over, that is to say, the multitude of the citizens who are not rich and have no claim whatsoever arising from virtue. For it would not be... ...archy and democracy into polity. Through this idea of addressing factions and political interdependence Aristotle outlines the way to a lasting state. In Federalist 10, Madison describes in a similar way that competing factions imposing a system of checks and balances can protect against dominance of a single faction or class. Aristotle’s claims of law, constitution, polity, factions, and citizenship all have comparability to many U.S. notions of political life, even his justification of slavery is reminiscent of the views of some founding fathers. Aristotle discovered and outlined many elements of early American political thought long before the existence of the United States. Aristotle himself said, â€Å"For practically speaking, all things have been discovered, although some have not been collected, and others are known about but not used† (Politics, 34).

Human Anatomy and Physiology Essay

Abstract On October 1, 2014, a 56 year old man, Mr. Brown, came in for his follow-up appointment to talk about his cholesterol panel. Mr. Brown’s cholesterol levels are not within healthy standards and he needs to change his life style before his health diminishes. Mr. Brown likes to eat and hates to exercise. I am going to show him his cholesterol levels so that he can see what he is doing to his body. If he does not get his cholesterol levels where they need to be his arteries might get so clogged up that he could have a heart attack or stroke. He needs to do some preventive medicine on his own with a little help from me and my staff. Hello Mr. Brown thank you for coming back for your follow up on your test results. My name is Laura Bramlett and I am the Physician Assistant (PA) that will be going over your tests results. First I would like to give you some good news. Your Triglycerides is at 145 mg which is a normal range. Triglycerides are fats, oils, and waxes known as Lipids that are in your body and their functions are energy storage, insulation, and protection. Now your cholesterol on the other hand are in a dangerous bad area. Cholesterol is a waxy, fat-like substance found in the body cells to make hormones, vitamin D and substances that help you digest foods (NIH). Your overall cholesterol level is 210 mg/dl which is border line high and your Low Density Lipoproteins (LDL) and High Density Lipoproteins (HDL) are just as high. Lipoproteins is made up of protein and lipids. In reference to your LDL and your HDL they are out of control and I am here to help you get them under control. Your LDL is 160 mg/dl which is high and we need to get it down to the normal range of 100 – 129 mg and your HDL is 33 mg/dl which is a poor level and needs to be 60mg/dl or higher to be at its best levels. (Mayo) What is LDL and HDL? Mr. Brown LDL is known as bad cholesterol and could lead to a buildup of cholesterols in your arteries if we do not get it under control. HDL is known as good cholesterol and it carries and collects the cholesterol from all over your body and sends it to the liver and the liver will remove the choleste rol from your body. Cholesterol is produced in the liver and small  amounts of it is produced in the small intestine and individual cells and the causes of high cholesterol are as follows: is a person who is a smoker, is obese, has a poor diet with lack of exercise and a possible diabetic. (NIH) Mr. Brown, our records show that you smoke and are obese for your age and height. We need to get your good (HDL) and bad (LDL) cholesterol under control before it is too late and you have a heart attack or stroke. Reducing your high cholesterol is manageable and treatable, we just need you to commit on eating right and healthy so that you can lose some of your weight. I know you do not like to exercise but if you can just walk around the block or walk 30 min a day to start off with it will jump start everything to a better health. There is medication that I can give you however, I would like for you start off exercising and eating right to lower your cholesterol before we resort to medication. One of the medications that I would have you take is called Crestor and it will help lower your LDL or bad cholesterol and increase your HDL or good cholesterol. However, like most medications Crestor does have some side effects. You could experience muscle pain or weakness, feel unusually tired or have a fever, and have  headaches or abdominal pain. Sir, if you have any of these symptoms I need you to come back in so we can see what is going on. Once I give you your medication I still need you to exercise, at least walk, for 15 – 30 min a day. Mr. Brown, it is better for you to exercise and eat right before we add Crestor to your diet. Because of the side effects that the medication gives I believe we should try everything else before adding something that is at risk to you and your health. Mr. Brown I know that you might be unwilling to change your life style but take your family into consideration. If you do not get your health, especially your cholesterol under control you might end up in the emergency room and not only will you be suffering but so will your family. I know that I have said it before but I really need you to consider walking and exercising to get your Cholesterol down before we think about giving you the Crestor. The Gwinnett Medical Hospital, my staff, and I are here for you to help with any concerns or fears you might have to jump start your healthy life style. I assure you that if you start to walk during halftime of your football games or even during your games it will make a difference in your life. Here are some pamphlets I would like for you to read about Cholesterol and what it can do to your body. Focus on small accomplishments first and then we can set up some larger goals and accomplishments. Now if you have any more question or concerns ab out your health, after you leave here, please give us a call immediately. References Griffin, Morgan R., Cholesterol and Triglycerides Health Center, High Cholesterol Treatment – What Works? WebMD retrieve from http://www.webmd.com/cholesterol-management/features/high-cholesterol-treatme nt-what-works Mayo Clinic, Diseases and Conditions, High cholesterol, Cholesterol levels: What numbers should you aim for? Retrieve from http://www.mayoclinic.org/diseases-conditions/high-blood-cholesterol/in-depth/cholesterol-levels/art-20048245 National Heart, Lung, and Blood Institute, What is Chlosterol? Retrieve from http://www.nhlbi.nih.gov/health/health-topics/topics/hbc/ Tortora, G. J. and Derrickson, B. (2014), Principles of Anatomy and Physiology, Hoboken, NJ. Wiley & Son Inc.,

Is Coca Cola the Perfect Business? Essay

A. One of the most important skills to learn in managerial economics is the ability to identify a good business. Discuss at least four characteristics of a good business. Based on the article about Coca-Cola, there are five essential characteristics of a business for it to be considered as a â€Å"Good Business†. First, it should be appealing to both young and old alike. Second, it must have a distinct characteristic which cannot be easily imitated by others. Third, it must already made an impact to the market because it has already earned a large portion of market share. Fourth, profit margin and rates of return should be high. And Lastly, it must have a competitive advantage or economic moat. Appealing to both young and old alike. The product that the company sells / offers can be used or consumed by people of all ages. It must be enjoyed not only by selected markets rather it should be enjoyed by all. Distinct characteristic which cannot be easily imitated by others. The product that the company sells / offers must be unique and exceptional. It must safeguard it’s â€Å"secret ingredients†. So that it cannot be easily imitated by others. Large portion of market share. The product that the company sells / offers is used or consumed by a large portion of the market and must be preferred above other companies who are in the same line of business. A good business must able to deploy a lot of incremental capital at an above average rate of return for a long time. If a business is able to do that, it will in effect be helping its shareholders compound their money at a good rate of return and saving them the trouble of having to invest the extra dividends they would have received if the company didn’t reinvest in its operations. A durable competitive advantage or economic moat is what sets apart the good and great companies from the mediocre and downright lousy companies. A significant competitive advantage allows a company to earn better than average profits or maybe even excellent profits, and protects the company’s profits from competitors that want to get a piece of the action. A strong brand, being the low-cost producer, patents, and having a near monopoly over a certain market are some sources of competitive advantage. B. Identify and talk about at least four companies that you regard as having the characteristics listed here. Apple Company – This popular company is the brain behind gadgets like iPod, iPad, iPhone, and MacBooks. Their products are user-friendly and can easily be used by people both young and old. Also, Apple always sees to it that their products offer unique features which suit the people’s wants and needs enabling the people to patronize their products; thus in return, earning a large portion of market share compared to other competitors. SM Investments Corporation – This is composed group of companies: Retail, Mall Operations, Property, and Banking & Finance. RETAIL – SM is the Philippines’ most dominant player in retail with 193 stores nationwide. Of these, 46 are SM Department Stores; 37 are SM Supermarkets, 76 are SaveMore branches; and 34 are SM Hypermarkets. MALL OPERATIONS – SM is the Philippines’ largest shopping mall developer and operator with 46 malls nationwide. SM Prime also owns 4 malls in China’s second and third-tier cities, namely Xiamen, Jinjiang, Chengdu, and Suzhou. By the end of 2012, SM Prime will have a total of 46 malls in the Philippines and five in China with a combined GFA of 6.3 mn sqm. PROPERTY – SM’s property group is a fast emerging business with interests in residential, commercial, leisure and hotel development.SMDC is rapidly growing with 15 residential projects under its SM Residences and two projects under its M Place brand. BANKING & FINANCE – SM’s bank network is the largest in the Philippines with its 41% interest in BDO Unibank and 20% interest in China Banking Corp. In 2Q 2012, BDO became the country’s largest bank in terms of assets with 744 branches nationwide. Chinabank is the 8th largest with 307 branches nationwide. ABS-CBN – is a major Filipino commercial television network owned and operated by the Filipino media conglomerate ABS-CBN Corporation, a publicly traded company. It is the country’s leading television network with an advertising revenue amounted to 17.5 billion pesos for the fiscal year 2011 San Miguel Corporation – is Southeast Asia’s largest publicly listed food, beverage and packaging company with over 17,000 employees in over 100 major facilities throughout the Asia-Pacific region. San Miguel carries many brand names in the Philippine food and beverage industry, including San Miguel Pale Pilsen, Ginebra San Miguel, Monterey, Magnolia, and Purefoods. San Miguel Beer is one of the largest selling beers and among the top ten selling beer brands in the world. SMC manufacturing operations extend beyond its home market to Hong Kong, China, Indonesia, Vietnam, Thailand, Malaysia and Australia; and its products are exported to 60 markets around the world. C. Suppose you bought common stock in each of the four companies identifies here. Three years from now, how would you know if your analysis was correct? What would convince you that your analysis was wrong? Supposing I bought common stock in each of the four companies indentified above; three years from now, I would know that my analyses were correct by simply looking back and evaluating if the company still suffice the list of characteristics of a good business. I will be convinced that my analyses were wrong if it will not suffice even just one of the characteristics listed for it to be considered as a â€Å"good business†.

The entrenchment of abortion in different countries

Legalizing or not legalizing abortion is one of the most controversial subjects in the world. Arguments for and against abortion have taken religious, political and moral perspectives with the proponents and opponents giving substantive claims to support their arguments.The entrenchment of abortion in different countries’ constitution has raised resistance from the conservatives who claims that the laws are contradicting when they impose death penalty on individual convicted of murder while legalizing abortion is itself legalizes murder of unborn. Despite the ensuing arguments over the subject, it is clear that abortion is practices in every corner of the world regardless of whether it is legal or illegal.My thesis is that abortion should be legalized since illegalizing does not deter people from aborting and it deteriorates and risks life of women. Abortion can be defined as a premature expulsion of a human fetus, whether in naturally like in case of a miscarriage or artifici ally induced through the use of surgical or chemical equipment.However the controversy around the subject surrounds about 93% of the abortion cases which are carried out for elective, based on no medical reason.Abortion should be legalized in cases case where a woman has undergone a painful ordeal like rape or incest which may affect the whole of their live and bearing such a child will rekindle painful memories of the ordeal.With rising population of homeless people and street children and families, abortion should be legalized so that those who feel that they cannot raise their children are not compelled to give birth to children who they cannot support and will leave them to wander on the street. Even in countries where abortion has not been legalized, there are rising cases of backstreet abortion where many women lose their life.These and other facts support the reasons why abortion should be legalized. I once again restate that abortion should be legalized since illegalizing do es not deter people from aborting and it deteriorates and risks life of women.Why abortion should be legalizedMy first argument is that abortion should be legalized in case where a woman conceive after undergoing a painful ordeal like rape, incest, and other sex related ordeals. Such an ordeal is likely to haunt a woman for the rest of her life.Research has revealed that one out of every six case of rape or incest usually results to pregnancy. Apart from the danger of the mother contracting venereal disease which may affect fetal formation, women who give birth to children conceived in such circumstances are likely to suffer repeated emotionally every time they see that child since they remember the ordeal.Research reveals that more than 50% of pregnancies resulting from such cases are usually aborted all over the world where abortion is legalized or illegalized (Johnson, 2008). Most women turn to backstreet abortion while many are not likely to report pregnancy resulting from rapes and incest fearing stigma. Therefore, they end up undergoing crude methods of abortion where not one risking their health.   In order to save women from such ordeals, I feel that abortion should be legalized.My second argument supporting abortion is that there are many women who conceive when they have no means of bringing up the child.   Many women will enter into a relationship and when they conceive, their partners depart them.Some have no jobs or any economic means and they end up bearing children who are left to wander in the streets.   With the declining welfare supports, abortion should be legalized in order to save women from undergoing such ordeals which are likely to affect their life and that of their children.Research shows that more than 21% of the cases if abortions are related to women who are not ready for responsibilities while 11% are related to young pregnancies mostly to teenagers who cannot take responsibility for the children they bear (Johnson, 2008).Wo men should have the choice to decide carrying to full term pregnancies which they are prepared to handle and bring up the child in a good environment. I feel that abortion should be legalized in order to give women a chance to make choices of giving birth to children who they can take care.My third argument supporting abortion is that even in countries where abortion has been illegalized, people have not been deterred from performing abortion. In contrast to countries which are legalized where women seek abortion in hospitals, there are more people who are seeking abortion in backstreet clinics through crude methods risking their health. A study by Henshaw et al.(1999) showed there were more than 26 legal and 20 illegal abortions worldwide in 1999, concluding that stringent measures against legal abortion did not guaranteed low rate of abortion.Another study by Sedgh et al. (2007) concluded that the rate of abortion in countries where it is legalized has been decreasing with time. L egalized abortion help women to access safe abortion which is not detrimental to their health while illegalizing abortion expose women to health hazards. Therefore abortion should be legalized to help women access safe abortion.ConclusionAbortion remains a controversial subject in the world. My thesis is that abortion should be legalized since illegalizing abortion does not deter people from aborting and it exposes women to health risks. Abortion should be legalized for women who undergo painful ordeals like rape and incest which are likely to haunt them throughout their life.