9-11 and how it affected the United States Essay

Tuesday, September 11, 2001 was a day that devastated our entire nation and changed the lives of every American in some way. This was one of the most horrible tragedies in our nations history, because of all the lives lost and the twin towers that were demolished. The events that took place on September 11 had an outstanding effect on our country. The 9-11 tragedy was terrible yet unforgettable event. One year after this tragedy feels like a very short period of time. There was Pearl Harbor, Oklahoma City, and now 9-11 is added to the list of American tragedies. With all the deaths of 9-11 almost everyone knows someone or knows someone who knows someone that was either in the World Trade Center and survived or died in the World Trade Center. This is an extremely sad but true way to look at it. Our country now tries to move on from this terrible experience, but will never forget it. 9-11 affected everyone as a whole as well as personally. See more:Â  Social Satire in The Adventures of Huckleberry Finn Essay For better or for worse the September 11 tragedy changed America. Besides taking thousands of lives and knocking down the Twin Towers this tragedy has brought our nation closer together. We will now have another topic to add to the history books and pass on to prevent something like this from happening again. All Americans will remember where they were when the Twin Towers went down. Another affect anyone can see all around our country is patriotism. Everyone now has new pride in the United States. Although the events of 9-11 took so much away from us it made our country stronger as a whole.

Luscios Imagery Essay

Analysis by Usama Ehsan The poem â€Å"An Apple-Gathering† by Christina Rossetti because is powerful and moving. This poem is about the narrator, who, after plucking blossoms from the apple tree, is surprised to find no apples there. The first quartet shows the narrator, probably because they looked pretty, â€Å"plucked pink blossoms from my apple and wore them all evening in my hair. † She appeared disappointed and perplexed that there were â€Å"no apples there† in the â€Å"due season. † Like many of Rossetti’s poems, a theme of betrayed love or unfulfilment of love is seen in this poem. She watches all her female friends walk by with full baskets, with neighbours â€Å"mocking her† because of her empty basket. The full baskets are teasing her â€Å"like a jeer. † This is an example of pathetic fallacy. However, other friends are helped by â€Å"a stronger hand than hers†, like Gertrude. The narrator believes that the love of a man is more important to her than just about anything, including song and the rosiest apples. The lines â€Å"A voice talked with her thro’ the shadows cool, more sweet to me than song† and â€Å"I counted rosiest apples on the earth more sweet to me than song† demonstrate these ideas. At the poem’s conclusion, she loitered, and, symbolising her tears, â€Å"the dews fell†. Her tears fell, as the â€Å"latest† person said when they passed her, â€Å"the night grew chill† and she was alone. This poem has an ABAB rhyming scheme, Alliteration is also used in several lines of the poem. In â€Å"plucked pink blossoms from my apple tree,† the short and sharp ‘p’ sound gives the impression of actually plucking the blossom from the tree. â€Å"Sweet voiced they sang beneath the sunset sky† is an example of sibilance. The soft ‘s’ showing a soft, happy line – also, the people in that line (Lilian and Lilias) are together, which is the narrator’s view of happiness. Overall, â€Å"An Apple-Gathering† by Christina Rossetti is a poem dealing with a young woman’s past rejection in love – at the beginning of the poem, she picks the apple blossoms instead of leaving them on the tree to bloom. Therefore, instead of leaving them to become apples and for her former lover Willie to help her carry them, she is left to walk home empty-handed and embarrassed. Goblin Market Rossetti is making an incredibly strong statment here. She was a devout Anglican, and in this poem, she portrays Lizzie as a Christ figure, and Laura as Eve, whom it was thought to be the reason for sin in the world (though the bible blames it on Adam as well. ) She is taking a very radical stance with the homoerotic nature of this poem, and says that females have strong appetites but must learn to not give into temptation. The homoerotic bonds between the sisters are also a strong statement for Victorian times, as men are thought to have had to do everything for women. Rossetti demonstrates her stance against this â€Å"chivalry† by barely mentioning male roles in the poem. n Christina Rossetti’s long narrative poem, â€Å"Goblin Market,† two sisters are tempted by evil goblin merchants who haunt the woods and allure maidens with sumptuous fruits, the traditional symbol of temptation in the Bible. Christina Rossetti clearly intended the fruit of the goblin merchants to symbolize the forbidden fruit in the biblical story when Laura asks Lizzie if she has tasted â€Å"for my sake the fruit forbidden. Christina Rossetti’s use of meaningful religious symbolism contrasts with Dante Gabriel’s tendency to take up traditionally religious symbols but leave them vague and empty of meaning. â€Å"Goblin Market,† one of Christina’s most sexual poems, contains numerous analogies to sexual appetites, but it is unclear whether she was aware of these sexual innuendos. As her desire for sensuous fulfillment becomes more intense, Laura takes on the characteristics of a beast, recalling the fate of many lustful figures in Dante’s Inferno: (Laura) Then sat up in a passionate yearning, And gnashed her teeth for balked desire, and wept As if her heart would break. The character of Laura closely parallels the figure of the She-Wolf which represents excessive desire: â€Å"her nature is so squalid, so malicious / that she can never sate her greedy will; / When she has fed, she’s hungrier than ever† (Inferno, I, 97-99). When humans are dominated by their emotions and sensations, they are reduced to the animal level and lose their capacity for freedom. Such errant desire unchecked by reason or the will of God resulted in the fall of man (Paradiso, XXIV, 103). Whereas Laura succumbs to the Gobin’s seduction, her sister Lizzie remains firmly resistant. Fearing for her sister who has started to physically waste away, Lizzie heroically braves the temptations of the goblins and exposes herself to their abuse in order save her sister’s life: Though the goblins cuffed and caught her, Coaxed and fought her, Bullied and besought her, Scratched her, pinched her black as ink, Kicked and knocked her, Mauled and mocked her, Lizzie uttered not a word; Would not open lip from lip Lest they should cram a mouthful in. In this scene, the goblins violently taunt and torment Lizzie, but she never wavers in her resistance. Rossetti paints a picture of female resistance that is passive and silent unlike â€Å"Song† in which the woman actually â€Å"talks back. † Lizzie can be viewed as a self-sacrificing martyr figure who suffers in order to save her sister’s life. Although the poem ends on a feminist note, calling for female bonds and sisterhood, Lizzie cannot be simply characterized as a strong female heroine, because she passively endures the goblin brothers’ transgressions of her body. Visual imagery and depictions of women in Christina Rossetti’s â€Å"Goblin Market† Exploding with luscious imagery, Christina Rossetti’s â€Å"Goblin Market† basically contains both passages that convey narrative details — but nonetheless include visual information — and passages that vividly create the mood of a scene almost entirely by means of rich visual descriptions. The latter passages represent distinct pauses in the progression of the poem, allowing the reader to rest in a moment and absorb the details that the author describes. These portions provide appealing imagery presented in language that heightens its effect. Thus, as descriptions of objects tempt the mind’s eye, similarly alluring language draws the reader in, increasing the momentum of the poem even as the narrative action has halted. After succumbing to the goblin brothers’ fruit, Laura describes the pleasures of the forbidden delicacies to her sister Lizzie, who has resisted the temptation. â€Å"Have done with sorrow; I’ll bring you plums to-morrow Fresh on their mother twigs, Cherries worth getting; You cannot think what figs My teeth have met in, What melons, icy-cold Piled on a dish of gold Too huge for me to hold,

Incorporating Quality Through Business Excellence Models Case Study

Incorporating Quality Through Business Excellence Models - Case Study Example TQM is the management function, which should be incorporated in all the processes that will happen in an organization. Furthermore, if Excellence is inbuilt into that TQM, then there will be optimal quality in all the processes, making the organization’s every initiative a successful endeavor. So, this paper by focusing on the â€Å"Excellence Models† from the perspective of TQM, will discuss how excellence can be managed optimally in an organization with the leader playing the optimal role. According to princeton.edu, Excellence can be defined as the â€Å"quality of excelling and also possessing good qualities of the highest degree†. The term gives the same meaning when analyzed from the organizational perspective as well. That is, when the organization manufactures products or offers services, during that process, they have to incorporate quality in every level. Only if the quality is incorporated at every level, the product or service will be of optimal quali ty, when it reaches the intended clients. Otherwise, the clients can find out the deficiency in quality in the initial stages or later, and surely it will be disliked by them. While trying to achieve than expected quality, organizations in many sectors will also or should also try to achieve excellence. This standard or level of excellence could be something that is set by the organization themselves or by certain external agencies focusing on quality testing and certifications. Thus, if the organizations following its own quality standards or external standards, achieve excellence in quality, it can maximally reach the ‘minds’ of the customers. When they entice their minds, they can ‘make’ the customers use their hands to buy the product or utilize the services.

Relationship between Workload and Effectiveness in the Nursing Research Paper

Relationship between Workload and Effectiveness in the Nursing Practice - Research Paper Example Unfortunately, though, there often arise factors such imbalanced nurse-patient ratio, lack of motivation, ill-resourced facilities and absence of on-the-job training that prevent nurses from working as effectively as they are expected to. It is against this background that the present project is being carried out to ascertain how a properly planned nurse-to-patient ratio can help in improving the service delivery given by nurses to patients. Some emphasis will be given to nurse-to-patient ratio through the other factors mentioned shall be considered. At the end of the project, it is expected that there will be a clear outline of new responsibilities expected of nurses even as their duties will be adjusted. There will also be a major recommendation to cut down the couple-per-nurse from four mothers and four babies to three mothers and three babies per nurse. The work of the nurse is undoubtedly one of the most stressful professions. This is because it entails working with different people with different needs and attitudes. Regardless of the health needs of the patient and the patient’s personal attitude, the nurse is expected to fit in squarely without fail. This indeed is a very challenging situation for any nurse at all. In light of this, researchers have come to study the relationship between the workload of a nurse and effectiveness at the workplace. According to a recent study, nurses work best if the workload they have to handle per day (8 hours) is minimal enough to attract full attention. This means that overcrowding of patient population would automatically stress the nurse up and affect her effectiveness at work. Such nurses may either resort to falling on inexperienced nursing assistance or abandoning certain core aspects of their work.  

Rhetorical Analysis of Print Advertisement Essay

Rhetorical Analysis of Print Advertisement - Essay Example The rhetorical perspective is often quite subtle and covert and as such quite hard to detect on the fly. Herein, the various ways in which the advertiser has used will be examined with reference to the provided HP advertisement. The appeals used are mostly ethos, and pathos, appeal by association, and sentiment respectively. The poster is a picture of what could be a rocket or missile seconds after it is launched, it is shooting skywards, and leaving a considerable trial of smoke in its wake. At the bottom of the picture is the words â€Å"make it matter†, and then there is the HP insignia in bigger letters than any other words in the advert. The picture itself presents an appeal to pathos; a shooting rocket can be easily associated with power potency, and masculinity. With such an interpretation, men since they readily relate to the concept, nonetheless, even the women who are competing in the corporate world recently a man’s domain will forge an association. It could be said on introspection that the picture is seen as a semiotic representation of a virile male. The fact that most men want to be seen in this light makes it easy for a male viewer to relate the use of HP products to masculinity, virility, and power. The HP legend is done in stark, bold, blue letters it is then located strategically near the cloud of smoke seeming to be near the launching pad. Before it are the words, â€Å"make it matter†. This means the observer will see first words in small print, and possibly wonder what it is that they need to happen, and then they will see the huge HP insignia. This way HP will appear to be â€Å"what makes it matter† this generalization will appeal to audiences across a wide scope, this is because people have something close to their hearts they would like to see happening. This ranges from winning a lottery to getting a satisfactory grade in school and/or get a promotion. As such, most people have something they would want to make happen. By associating the product with that concept, it can transcend a myriad of social cultural boundaries. This is because human desire for perfection is universal and the advert can appeal to anyone at any place or job. The advert contains an appeal to ethos; this is because of its use of a rocket being launched. The average American knows that rocket launching and flying is an extremely tricky and difficult task. They also know that for safety to be achieved, precision and high levels of accuracy must be achieved. As such, a picture of a rocket that appears to have been launched successfully is used to create an association of HP being an exceptionally competent and effective company. Furthermore, while one may expect to see a rocket being launched in a metropolitan area the picture is shot on what looks like a desolate village, there are a few electric wires at the background, but they appear vague. This is to create in the customer the impression that HP has products, a re available, and suitable even when the area around is not seriously advanced. However, the rocket juxtaposes the surrounding environment, which seems to be a relatively unprosperous background, and modern technology, which is prominently showed in idea of the rocket. The power lines in the background may have been used further imply that fact that HP has "power†

Engineering Research Paper Example | Topics and Well Written Essays - 750 words

Engineering - Research Paper Example It is essential that appliances which were introduced earlier (with usage of old technologies), prevail in energy consumption distribution; see Table above. For instance, energy consumption of the light bulbs, the kettle, and the electric oven takes over than 50% of total energy consumption. Simultaneously, usage of notebook, TV, and CD/DVD player takes less than 10% of total energy consumption in the household. Then, introducing of numerous appliances with high power inputs reflects in ecology due to necessity to make more electric power stations. It is essential that energy consumption can be reduced significantly without compromising human needs. There are several means to reduce adverse effects of usage of appliances with high energy consumption. First step is in limited usage of such appliances, e.g. switching-off non used light bulbs, unplugging seldom-used appliances and chargers for cell phone and other personal gadgets, setting computer to "sleep mode" or "hibernate mode", etc. Next step is more radical. This is replacement of appliances with high power inputs by equivalent appliances with less power inputs. For instance, replacement of old CRT monitor or TV by new TFT monitor or TV panel can significantly reduce energy consumption because these appliances are often used. ... However, these appliances need for enormous power supply and engineering support of appropriate infrastructure. It is essential that appliances which were introduced earlier (with usage of old technologies), prevail in energy consumption distribution; see Table above. For instance, energy consumption of the light bulbs, the kettle, and the electric oven takes over than 50% of total energy consumption. Simultaneously, usage of notebook, TV, and CD/DVD player takes less than 10% of total energy consumption in the household. Then, introducing of numerous appliances with high power inputs reflects in ecology due to necessity to make more electric power stations. 3. How to save energy in the household It is essential that energy consumption can be reduced significantly without compromising human needs. There are several means to reduce adverse effects of usage of appliances with high energy consumption. First step is in limited usage of such appliances, e.g. switching-off non used light bulbs, unplugging seldom-used appliances and chargers for cell phone and other personal gadgets, setting computer to "sleep mode" or "hibernate mode", etc. Next step is more radical. This is replacement of appliances with high power inputs by equivalent appliances with less power inputs. For instance, replacement of old CRT monitor or TV by new TFT monitor or TV panel can significantly reduce energy consumption because these appliances are often used. Replacement of standard light bulbs (100W) by low-energy fluorescent bulbs (less than 20W) is another example of such strategy. Many of new appliances use half the energy of those from decade ago. It is necessary to note that usually new appliances ar e more ergonomic and safe. Finally, there are

This paper will apply project management skills to Brown Educational Case Study

This paper will apply project management skills to Brown Educational Gaming studio Ltd - Case Study Example Also, we will discuss the process of exploring the model, arriving at recommended actions and implementing these actions within the culture of the organization. "Brown Educational Gaming Company (BEG) is a UK-based educational gaming company specialising in young children's educational games. The company has operated from the start through projects, starting with the development of two major and highly successful games. Now there are many more; no-one quite know how many projects are taking place at BEG at present if the truth be known. BEG has just completed their fourth year of operation. The company has received a large influx of capital for growth by issuing stock privately through an investment bank. The return on investment for the 2006 and 2007 was 80% per year and for 2007-08 will be 25%. Parents and grandparents of young children have been buying BEG products almost as fast as they are developed. Every member of the 56-person firm is enthusiastic and looking forward to helping the firm grow to be the largest and best educational gaming company in the world. The founder of the firm, Sally Peters, has been awarded the accolade of The Guardian Business Woman of the Year 2007 for her ability to develop an organizational culture in which all stakeholders are committed to innovation, continuous improvement and organizational learning. Last year, the 10 top managers of B... This year the same 10 managers had a weekend away in a 4 star hotel in Barcelona, to formulate next year's strategic plan, using the same strategic plan. Most executives seem to have a consensus of where the firm should go in the intermediate and long-term, but there is little consensus on how this should be accomplished. Peters, now Managing Director of BEG feels she may be losing control. The frequency of conflicts seems to be increasing. Some individuals are always requested for any new project created. When resource conflicts occur among projects, each project managers believes his or her project is most important. More projects are not meeting deadlines and are coming in over budget. Yesterday's management meeting revealed some top BEG talent have been working on an international business game for college students. This project does not fit the organization's vision or market niche. At times it seems everyone is doing what they like. Somehow more focus is needed to ensure everyo ne agrees on how strategy should be implemented, given the resources available to the organization. Yesterday's meeting alarmed Peters. These emerging problems are coming at a bad time. Next week BEG is increasing the size of the organization, the number of new products and its marketing effort. Fifteen new people will join BEG next month. Peters is concerned that policies be in place that will ensure that the new people are used most productively. An additional potential problem looms on the horizon. Other gaming companies have noticed the success of BEG; recently one rival company tried to hire a key product development employee away from BEG. Peters wants BEG to be ready to meet any potential competition head on and to discourage any new entries

Is the French ban on headscarves (al-hijab) in schools a good idea Research Paper

Is the French ban on headscarves (al-hijab) in schools a good idea - Research Paper Example During the period of 2004, the government of France passed a legislation that disallowed individuals from wearing and using any religious symbol in public schools (Hrw.org 1)1. This move made by the French government has been opposed as well as supported by Muslim and non-Muslim populations France. Around 80% of the people living in France have the ban on hijab (Coleman 1)2. Banning of Hijab is a good idea because The ban on headscarf levied by the government of France is correct because such legislation is consistent with the laws and regulations of human rights. The article 18 of human rights law states that individuals should only be allowed to freely practice their religion if their practice does not coerce or leads to public’s feeling of insecurity (Minorityrights.org 1)3. Recently, Muslims have been majorly held responsible for conducting acts of terrorism and due to this the public has started feeling insecure due to the presence of Muslims around them. Individuals even experience fear and mental torture when they see a Muslim female wearing a headscarf in the public. This fear of hijab is recognized as Islamophobia and islamophobia is infringing upon the rights of the student population of France to freely move around without the fear of being attacked (Crg.berkeley.edu 1)4. Since headscarf infringes upon other’s right of living a life without fear, headscarf’s ar e against the rules and regulations of human rights and should be continued to be banned in French schools. Another reason due to which France was correct in banning hijab in public schools was to protect the female Muslim student population from being coerced and discriminated against. Since the terrorist attacks of 9/11 Muslims have been heavily discriminated against throughout the world. They are discriminated in organizations, schools as well as in public. They have been beaten up and pushed around in different settings.

Discourse Community Essay Example | Topics and Well Written Essays - 1000 words - 1

Discourse Community - Essay Example Many enjoy this and aspire to actually experience it. This is the main reason why car racing games are so popular. I remember watching an episode of the comedy series Malcolm in the Middle years ago. Malcolm’s father devised a plan to get him and his brothers out of school for the day to watch NASCAR. It was the first time they or he would ever watch it live. They were so excited because they know that it will be action-packed with cars going around at full speed. More specifically, his father is more excited at being able to watch cars flying and flipping around at the expense of the driver. Because admittedly so, granted that this may cause the life and limb of the driver, watching it happen is something to talk about. They all though they were going to have a blast and it will be so fast. But of course it was not. The race took hours with the cars going round and round for hundreds of laps. And much to Malcolm’s father’s disappointment, nothing eventful happened that day and they went home bored as ever. Of course, they were not the only ones unfamiliar with the rules of racing because they have only seen the highlights on television. Unlike that NASCAR event they have attended, safety is not always guaranteed on the race track. The driver must rely on his crew and his skills to be able to win and to ensure that he is not hurt whenever he goes out to race. Anyone who wants to learn this sport, as an spectator or as a would-be driver himself must know the rules, the proficiency and the composition of the sport. It contains a language all its own that must be learned to be able to keep track of what is happening. This is vital so that one will not be misled or unaware. A great example of the exclusive language used nonverbally during matches is the flags. The different colors signify different signals to the drivers and his team. The yellow flag or caution flag signifies that there is something wrong on the track and they must slow down.

Associates Capstone Essay Example for Free

Associates Capstone Essay Executive Summary In going through some of things regarding buying the business I think Mike should make sure that the coffee shop is up to code. He should talk to officials about required standards, for running a coffee shop, licenses; the different laws for having the shop in Sunnydale, Illinois, all of will be needed and will help to keep the restaurant running properly inside and out. It is also important that he reviews each file for all employees making sure all documents that are needed for hire are there, reading through and seeing the difference in their duties and the performance prior to him buying the shop and respond accordingly and whatever decisions he makes with each one or if hiring new document all that is done to cover himself within the law. Going through the business files and reading the comments given by customers is important for this will help to give him proper information on what is liked and dislike about the coffee shop and making a plan to change things or get new things to keep them satisfied and coming back, for ex: as accepting credit cards for payments as well as cash. Going more into the business files checking on the finances and accounting is important to be sure all is accounted for, profits are being make and what the next plan would be according to what is found. This will also help in what they are spending for supplies and necessities and where he can save money and use it for other things needed, also go over the income part to see where they can change prices and get better ideas compare the coffee shop to the competitors place and prices. Also make sure all appliances are up to date and properly handle according to code. After reviewing all of these things an going forward making a proper business plan and procedures of moving forward will give Mike a properly ran business with happy customers coming in and employees glad to keep it running and making profits. Regulations In reviewing some of the personnel files on the employees it seems you will have to definitely put together a company/employee/personnel manual. This will help with the government regulations for the State in which the coffee shop is in and it will also spell out what the Company will expect of the employees and what they expect in terms of benefits and other topics related to employment. (The Complete Idiot’s Guide to Starting Your Own Business, page 203). Be sure that when creating this manual you have included all the necessary rules that you want and intend to enforce, (no drinking on the job, no smoking in the workplace, excessive tardiness, or absenteeism, no sexual harassment, no discrimination in the workplace, no stealing and all other rules that will be enforced, then have a meeting with the current employees and any new employee to review before getting started and have them each sign it to keep in their personnel files. This will let them know that you intend to en force these rules and if not followed the consequences could be termination. Management First thing I would do is create a business plan, Mike is considered the Strategic Manager for the coffee shop and he will need to create a plan, organize it, lead it and control the outcome of all that will happen within the business. He will need to focus on the long term goals of the shop and once he has these can move forward in communicating with the employees. He will then need to meet with each of the employees individually to go over their files, be sure to update them with all proper paperwork and they are legal to work. When discussing things with them do not bring up personal topics: marital status, race, religion, etc. for this would be a violation and is not permitted during any type of interview or meeting with an existing employee or new employee. You can let them know the good things about working for you at the shop and even some things that are not so good, make sure the employee knows what work they will be doing and agrees to it and they will be able to perform these duties, you can also see if they have questions regarding the manual and take care of it at that moment have them sign indicating they have read and understand it. I think he should also review the break room and clean it up putting up the proper documents on the board and take down all that unnecessary stuff on it. He needs to have posted the proper documents of the law with minimum wage and health. The only other thing up there could be the schedule and notes of reminders of what needs to be done. He then should take care of the stock room and office to have them both properly cleaned up things in right places. Once all these things have been accomplished it will make for a better organized area and easier for him to control and lead his employees and have a well established running coffee shop. Finance and Accounting Reviewing the finances is important; it seems they have a very high salary expense (for a coffee shop) and supplies expense that needs attending to. This means checking with other suppliers and their prices. As for the salaries we would need to go over everyone’s positions held and the salary they are being paid and make sure it fits with their positions and pay scale. As I continued going through the files I noticed the income tax/employment tax and other forms were still from 2006, need to get all those updated from previous owner or get them taken care of and all financial and payroll taxes to date. Not filing properly for state taxes/employment/unemployment is a violation and subject to penalties. I would also review the loan that was taken out on the freezer and be sure all payments had been made previously on time and see what the payoff is, he may be able to save monies on paying it off then paying the extra interest each month. Once all of these are reviewed and items that need attention either corrected or forms filled out and all things brought to date, Mike will have a better understanding of the numbers and all within in the business to get him started and ready to go. Make the decisions on what actions need to be taken to achieve these goals. This is part of the strategic planning of the long term goals for the company; it covers major portions of the company. Organizing, Joe will have to get organize the departments, get the right people in place, create the proper systems needed to properly run the company, bring together all resources needed to have it run properly. Now he will have to take these and lead his employees under him to want to be there and work and give there all, with motivation and communication. He will maintain good contact with them to give them what they need to keep the company running properly with all he has organized. Proper leading of employees will help to give more of themselves to produce quality work by giving guidance and inspiration to them. Leading takes place in many areas of the business not just from the top, also from teams, divisions and departments. He will also set values and mission with his leading. Now the last part of the management function is controlling, taking all of the planning, organizing and leading and controlling it to keep it functional. All the other functions isn’t the success of the company it is the monitoring the performance and make changes where necessary. He needs to make sure the plans are being used and goals are being met within the company, also needs feedback in all areas so that he can make changes, to processes, procedures where needed. Financial Statements Checking to be sure all the financial statements have been done and balanced is very important. In checking the business files it seems they balanced but not all were completed, this will help to know where the business stands and where changes could be made. There are 4 parts to the financial statements, income statement, balance sheet, cash flows and owner’s equity. I only noticed 2 of the 4 mentioned in the business files each one of these statements has its own meaning that should be understood even if Mike plans to have someone else handle it, income statement will let him know whether or not the business is profitable, it totals the revenue and then subtracts the expenses associated with making that revenue; results being the pretax profit and after taxes are paid net income. These statements can be done monthly, yearly, quarterly or year to date, I think for Mike monthly would be good for it will show how much he has sold and what it cost to create the sales each month. The balance sheet is a snapshot of how things are at a particular moment, shows the amount of assets and liabilities at a particular point and time, where his income statement shows the flow of money in and out of the company in a specific time frame. His cash flow statement could be the most important for it will tell him whether or not he has enough cash to pay the bills. This statement will reflect investments, borrowing, etc. and other balance sheet changes. The key challenge is that he will need to keep more cash coming in than going out especially with just starting out. His owner’s equity will be the portion of the balance sheet which shows what is left over when all liabilities are subtracted from all assets. This is the number he wants to maximize because it can reflect th e book value of his company. Once Mike has reviewed all of these and are updated he will know what changes will need to be made within the coffee shop from many points. Problem Solving Problem solving and decision making are very important factors in every managers or persons within their business, even in the Coffee Shop for Mike. He will have things that happen or a daily basis and even on an hourly basis in which his skills as the owner and manger are in demand. He may at first with many as a reaction to things react against it, which can cause a downward spiral. He may look at the past and use the old way to fix a current problem and that usually doesn’t work. Mike will need to have a planned approach and then execute it. By doing this he will avoid having the same problem over and over again and use doesn’t continually solve a different problem the same way as the other. There are a few approaches he can take, he can define the problem, look at the potential causes, find different ways to solving the problem, choose which solution is best, make the action plan and then monitor and verify the solution. By doing these things it will help to ensure all is working properly as it should after the solution has been decided. Mike can use these basic steps in his new role as Owner/Manager of the Coffee Shop, making this plan to solve a problem and the decision will make for a better team in the Coffee Shop. Reference(s) Management, Bateman and Snell, Chapter 1 and Chapter 4, 2010 http://ezinearticles.com/?Top-Level-of-Managementid=20181389 The Complete Idiot’s Guide to Starting Your Own Business, Fourth Edition by Edward Paulson http://www.brighthub.com/office/project-management/article/87158.aspx

Factors that affect employee motivation

Factors that affect employee motivation Motivation has to do with the understanding of the reasons why human beings act the way they do. It is said to be the study of psychology and is concerned with explaining all forms of human behaviours (Phil Gorman, 2004). Motivation is a very important aspect of psychology that tries to explain why humans or animals act in a certain manner (David A.H, 1995). Motivation studies have to do with the study of the Human psychology and behavioural patterns, it is an attempt to explain why and what the reasons are for actions we take. Mitchell (1982) suggests that the term motivation represents those psychological process that cause the awakening, direction and persistence of voluntary actions that are goal oriented. It is a psychological process resulting from the corresponding interaction between the individual and the environment that affects a persons choices, effort and persistence (Gary P. L and Christopher T, 2006). Motivation seeks to explain the why of behaviour (Phil Gorman, 2004). When we ask why a person or animal behaves in a particular manner, we are essentially asking about motivation (Mook, 1996). Motivation has generally been related to the need to achieve specific goals. It is concerned with goal-directed behaviours that pushes us towards certain actions and not others and is also the complex process that moves individuals towards some goals (Phil Gorman, 2004). Robbins (1993) defined motivation as the willingness to exert high levels of effort toward organisational goals, conditioned by the efforts and ability to satisfy some personal needs. According to David A. H (1995), Motivation examines two aspects of behaviour; the direction of behaviour those concerned with the influences which cause specific actions in humans and the intensity of behaviour concerned with the strength of behaviour. It is concerned with what causes specific actions, the reasons for actions we undertake and what determines the intensity of such action. Two individuals could be motivated towards a specific goal, say passing an exam. They will both be motivated to read, but the degree or intensity of motivation will usually not be the same for both individuals. Motivation studies are undertaken in order to explain the onset, the direction, the intensity and the persistence of behaviour directed towards the attainment of one or more goals or objectives (Mark R. Z ,2006). So many authors have written and established various motivation theories. The following chapters in this review will discuss on the various motivation theories and contributions of renowned writers in the field of motivation studies. MOTIVATION THEORIES MAJOR CONCEPTS AND CONTRIBUTIONS. ABRAHAM H. MASLOWS HIERARCHY OF NEEDS THEORY This theory advocates that all individuals are born with natural needs and if these needs are not fulfilled, the individual will be motivated to act in a manner that will enable him satisfy them. Maslow A.H (1954) suggests that all individuals have a series of human needs which are prioritised on an ascending scale, with basic physiological survival needs at the bottom and the more psychological individual needs at the top. Maslow (1954)s Hierarchy of needs stems from Physiological needs (survival), Safety needs, Social needs, Esteem needs and Self-actualization at the top. According to this theory, humans have gone beyond the need of only basic survival needs but are now driven towards greater achievements and high needs up till self actualization. Maslow (1954)s theory also assumes that these needs are activated in a sequential order starting from the bottom and a higher need emerging when the lower need has been satisfied and that after a need has been satisfied it ceases to dominate behaviour. Physiological needs: These are the basic biological needs of man to survive. These needs are food, water, shelter etc. Maslow (1954) believes that humans are likely to be motivated by physiological needs rather than any other need. Once this needs have been satisfied, he is then motivated by the next level set of needs. Safety needs: This refers to the need for security, freedom from fear and anxiety, need for stability and protection. Maslow (1954) suggests that this safety needs are mostly apparent in chaotic societies and when there is a stable, smooth running and good society, this need will not be so desired. Social needs: This is the need for love and social belonging. When these needs are not satisfied, individuals will do all in their power to get affection from family and friends (Maslow, 1954) Esteem needs: This refers to the need for prestige and recognition from others. It refers to the need for development, maintenance of self-respect and respect from others (David A.H, 1995). Self actualization: This is the individual need of achieving ones full capability. It is the satisfaction of reaching what the individual believes to be his/her full potential. Maslow (1954) however, was of the view that very few people manage to satisfy the highest set of needs such as self actualization. Some strengths of the theory; Theory acknowledges that all individuals have in-born natural needs and when these needs are not satisfied the individual is compelled to act in a manner that will enable him satisfy these needs. He has been able to combine both physiological and psychological needs in his hierarchy of needs theory. Physiological having to do with the innate needs and instinctive drives to satisfy these needs in the body. While psychological needs stem from cognitive conscious assessment before actions are taken. David A.H (1995) noted that the ascending hierarchy of needs is not a one way process, if lower needs become unsatisfied, the individual will go back towards satisfying those lower needs. The theory also suggests that the hierarchy does not apply rigidly to all individuals and some individuals may seek to satisfy some higher needs at the expense of lower ones (Maslow. 1954) Pointed out below are some weaknesses of the theory; Phil Gorman (2004) pointed out that the theory doesnt seem to take account of the possibility that people who make small achievements in their lives may feel satisfied and fulfilled believing that they have truly achieved their full potential. He suggests that this may be due to restrictions placed upon them by their social background. The theory does not consider that other factors such as environment and society can influence the individual to act in a particular manner. According to Stanworth and Curran (1973) the theory ignores the way the culture of a society and its subcultures, structure the aspirations and expectations of individuals and groups. Ivan T. R, et al (1992) bares the opinion that Maslows theory barely touches on the role of environmental factors in the development of his hierarchy. The theory is difficult to apply in some situations. Stanworth and Curran (1973) also pointed out that most people who set up businesses would seem to be satisfying the higher level of needs in Maslows theory and going into a business is quite a risky venture. This means they are more concerned about a higher need of opening a business than a lower need, security and risk of having a business. HERZBERG F.W HYGIENE THEORY This theory is primarily concerned with motivation at the work place. According to Herzberg et al (1959) there are basically two sets of factors that influence behaviour; Hygiene Factors (dissatisfiers) and Motivators (satisfiers) Hygiene factors (dissatisfiers) These are factors that do not satisfy the individuals but only keep them from being dissatisfied. The presence of these factors in a work place will mean the individuals will not be unsatisfied but they will not be motivated either. These factors include, good working conditions, good salary, supervision, security, relationship with peers, company policy and administration. Most of these factors are classified as being extrinsic (David A.H, 1995). Motivators (satisfiers) These are those factors that actually motivate the individuals in the work place. They give the individual a feeling of self satisfaction and achievement. These factors are essentially internal and examples of these motivators are need for recognition, personal development and advancement and the need for growth. These motivators are related to the content of the job that allows the individual employee to develop their occupation as a source of personal growth. Employees will be motivated with such factors as they allow them satisfy the need for self actualization (Herzberg et al, 1959). Part of the strengths of this theory is that just like Maslows theory, Herzberg et al (1959) believes that all human beings have physiological needs that can be satisfied with money e.g. Food and water and psychological needs such as the need for self-development and self-actualization. While a major weakness is that Herzberg has also neglected the influence of the environment and societal background as possible motivators. Some of his hygiene factors such as good salary which he suggests will only prevent an individual from being dissatisfied, in some case can actually provide motivation to the individual (David A.H, 1995). McGREGOR DOUGLAS. -THEORY X AND Y McGregor (1960), suggest that there is a direct relation between the way managers treat their workers and workers motivation. McGregor believes there are two major approaches to the management of people and they have to do with a managers view on workers attitude towards work. He formulated the theories X and Y. Theory X In this theory, management treats workers with little or no respect. The attitude of managers towards workers in this theory is based on: The belief that the average human being dislikes work and will avoid it if possible. That most people have to be controlled, forced, directed and punished to get them to put adequate efforts towards the achievement of organisation objectives. That the average human, prefers to be directed wish to avoid responsibility and wants security above all (Evans D, 1990). Theory X is patronizing and makes no allowance for workers individualism. It is based on aspects of management such as discipline and control (David A.H, 1995). Theory Y This theory concentrates on delegation, decentralization, participation and consultation. The characteristics of management here are as follows: External control and the threat of punishment are not the only means of bringing out efforts towards achieving organisation objectives. People are committed to objectives in proportion to the rewards associated with achieving the objectives. That the average human being learns, under proper conditions not only to accept but to seek responsibility (David A.H, 1995). The theory encourages participative management and suggests that for workers to be motivated it is necessary to allow them use their skills within the work place. This will make them feel involved as part of the organisation. ALDERFERS EXISTENCE RELATEDNESS AND GROWTH THEORY (ERG) This theory advocates that in the attempt to achieve individual satisfaction, people are motivated to act in a specific manner (Aldefer C.P, 1972). He suggests that satisfaction relies on the fulfilment of natural needs such as existence, relatedness and growth. Individuals constantly interact with their environment which as an effect in their behaviour. He believes that these 3 sets of needs are able to exist simultaneously and can be satisfied in a flexible order. Existence needs: These needs are concerned with physiological and material factors related to survival such as hunger, thirst, salary and working conditions. Relatedness: This has to do with the need to relate with others in the society. Individuals are motivated to seek satisfaction in their social relationships. Growth needs: This refers to creating the optimum use of existing capacities and the development of new capacities. Satisfaction of growth needs depends on the individual developing to their full potential (Alderfer C.P, 1972). This theory does suggest a rigid hierarchical structure and does not propose that an individual will try to satisfy one set of needs at a time (David A.H, 1995). McCLELLANDS NEED FOR ACHIEVEMENT THEORY This theory is also based on three innate needs which are of optimum importance. They are the need for achievement, affiliation and power (McClelland, 1961). Robbins (1993) believes that those who have strong drives to succeed are searching for personal achievements rather than rewards. They have the drive to improve on better ways of doing things. Need for achievement (N.arch): This can be described as the need for success and high standards of personal excellence (David A.H, 1995). It is the drive to achieve success. Need for affiliation: This is the need for a good relationship with other individuals. Need for power: This is the need to want to influence and exert some level of control over others. McClelland (1961) believes that all individuals have each of these needs although the level of intensity of the needs varies between each person. This means that some people might have high needs of some and low of the others. According to McClelland et al (1953), any attempt to understand a persons motivation to achieve must take into account both the personality and situation the individual finds him or herself in. He also suggested that the desire for achievement in a society could be measured from the kind of achievement imagery presented to the children (McClelland, 1961). Stanjworth Curran (1973), pointed out that McClellands theory considers differences between groups in motivational pattern and relates this to social and cultural factors. EDWARD TOLMANSS EXPECTANCY THEORY Tolman E.C (1948), theory suggests that the motivation of individuals is not based on needs or drives but is determined by the presence of goals and the expectancy that their behaviour will lead to the attainment of this goal. He believes that human beings will be motivated in a specific manner when they are convinced that the results of the behaviour will be desired by them. The theory basically harps on individual motivation and the influence of the society. Tolmans theory recognises that people have different types of needs, desires and goals and proposes that the amount of effort people are prepared to put in task depends on whether the effort will produce better performance (Ivan T.R et al, 1992). VROOM V.H EXPECTANCY, VALENCE INSRRUMENTALITY THEORY This theory stems from Tolmans expectancy theory but in addition to expectancy Vroom added valence and instrumentality as determinants of motivation. Expectancy: Vroom Edward (1970) suggests that expectancy is a momentary belief concerning the likelihood that a particular act will be followed by a particular outcome. Instrumentality: This assumes that the behaviour of individuals is influenced by the degree to which additional desired goals can be attained as the direct result of such behaviour (Vroom Edward, 1970). The theory suggests that the amount of effort people are willing to put in a task depends on whether the performance when achieved will pay off in terms of outcomes (Ivan T.R et al, 1992). Valence: This refers to the value of the outcomes. Vroom Edward (1970) suggests that individuals value some outcomes highly and hence desire them and can value outcomes lowly and try to avoid them. He states that we are motivated by the fact that we expect specific behaviours to result in specific outcomes and that such outcomes will have a degree of valence. The main motivation points of Vroom according to David A.H (1995) are The expectancy that specific behaviour will result in that attainment of a specific goal, the value of the desired goal and the degree to which such behaviour is instrumental to the attainment of other additional goals. EDWIN A. LOCKE GOAL THEORY Basically this theory looks at motivation from the angle of motivating the employer. It suggests that when specific goals and targets are set out for individuals, they become motivated in order to achieve the goals. This theory has identified that human beings act in a specific way when they are faced with a particular goal (Locke E.A, 1968). The highlights of this theory are that difficult goals should be set because they result in higher performance, employees should be part of the goal setting and that there should be adequate feedback with guidance and advice (Locke Latham, 1984). Locke pointed out that incentives such as money, participation, competition and praise can influence goals. According to Ivan T. Robertson et al (1992) goals have been demonstrated to affect performance through four mechanisms: Directing attention and action. Mobilizing effort Increasing task persistence. Motivating the search for appropriate performance strategies. Ivan T. Robertson et al (1992) also added two goal attributes that could be relevant for motivation. Goal content the level of goal difficulty and how specific it is and Goal intensity strength and commitment attached to the goal. RECENT IDEAS ON MOTIVATION THEORIES The recent theories on motivation havent really come up with any new idea very different from what other older writers on the subject have written; instead they have built on it to make it more adaptable to the changing environment and human perspective. SHEILA RITCHIE AND PETER MARTIN 12 FACTORS OF MOTIVATION They gathered a list of factors that affected motivation in the work place and finally trimmed them down to 12 basic factors. Their observation method was to create a self assessment profile which was developed in other to find out what motivated people and also to weight the factors against each other. Their result was a unique motivational profile for each person which gave the relative strength of each factor when compared to each other. The 12 factors were developed from older theories of motivation (Sheila R Peter M, 1999). The 12 factors of motivation pointed out by Sheila R Peter M (1999) where: Money and tangible rewards: This is where money and tangible result is the overwhelming driving force. Where money is the motivator, people so inclined will be ready to tolerate any amount of boredom, work long hours. Undertake repetitive task over periods of months and years and even put work before family. People who have high money needs will regard their physical conditions at work with complete indifference. This factor relates to Tolman and Vrooms expectancy theory where they suggest that individuals act in a particular way when they expect a kind of reward that, they value (Vroom Edward, 1970). Physical condition: In their theory, physical conditions have to do with those physical factors that could motivate in a work place. This touches on the work space, work environment and how comfortable it is. Some people could be motivated by the mare fact that they work in a very comfortable and beautiful environment. However, they pointed out that physical factors in relation to other motivating factors are not seen as very important. Structure: This has to do with the organisational structure and administration of a work place. They believe that people with differing structure requirements need to be motivated in significantly different ways, the right approach motivates and the wrong approach will de-motivate. They suggest that very high structured people need to know where they stand. They need to know the rules and be assured that they have followed the right procedures. Anxiety may be the root cause of their desire for structure and may find a lack of structure very stressful. Some features of structure include timing, rules and procedures, societys norm and expectation, planning, good communication and information circulation etc (Sheila R Peter M, 1999). People Contact: People with this factor enjoy dealing with other people and derive comfort and satisfaction from having a number of others around them. They would prefer to work with other people nearby rather than on their own. Most are likely to be highly tolerant with the rowdiness that working with others entail and will even perform better in such situation (Sheila R Peter M, 1999). This in a way is related to Maslows hierarchys third stage that refers to the need for love and human relationship. Relationship: This has to do with those motivated by the need for relationships. They suggest that this need can be satisfied outside the work place but for organisations based on commitment and trust between employees will need long term relationships between employees. According to Sheila R Peter M (1999), this particular need usually depends on the organisation in question. Organisations were members of staff are interchanged, work shifts and level of skills are low, will not be in need of long term relationships. This is also related to Maslows need for love and relationship needs. Recognition: This factor harps on the need for attention and praise. Sheila R Peter M (1999) pointed out that high recognition needs can make people so dependent on others for approval, that in occasions where there is no recognition, they are unable to act independently. People with high need of this will always take care that they meet expectation. Achievement: Sheila R Peter M (1999) suggests that a strong characteristics of those with a high achievement drive is that they which to do things on their own. People with this need can find themselves voluntarily working long hours and driving themselves hard. They have to be satisfied that the targets they are aiming are achievable. High achievers are likely to be motivated, if they are not achieving they are likely to feel worthless. They will do whatever it takes to achieve their goals. Motivating such people has to start with the definition of the target (Sheila R Peter M, 1999). Power and Influence: This is the need to possess power and influence others. The ability to lead and influence people used properly according to Sheila R Peter M (1999) is one of the most desirable human qualities. The difference of this factor from others is that it involves people impinging directly on other people. They pointed out that here is also an element of risk that other people might not react favourably. Variety and change: This is the need to always want to do something different. This kind of people we need stimulation to move on to something different with boredom setting in after an initial discharge of energy. These individuals cope better where there is constant demand for new energy and new initiatives. Sheila R Peter M (1999), pointed out that the problem with this factor is that since the stimulation to change does not always arise, there is always the likely hood of uncompleted business or no motivation. Creativity: This concerns the original idea and the development of the new out of the old. They believe that the creative drive has a very important part to play in the organisation. They advocate that those who have the need for creativity to be given an enabling environment for them to operate (Sheila R Peter M, 1999). Self development: This factors shows that people who have high self development needs will judge their work in terms of what it does for them. These individuals are not motivated except it has something to do with their self development. Motivating such people requires an understanding of what they are looking for and an ability to relate what the organisation requires to what the need (Sheila R Peter M, 1999). Interest and usefulness: Sheila R Peter M (1999) believes that the need for job interest or usefulness is higher on average than the need for any other motivator. They stated that Professional and managerial people are more motivated for example by feeling of usefulness or interest than for opportunities to influence, achieve or be recognised. This factor suggests that the work place has to be structured in such a way that the employees find it useful and interesting and that in the absence of this factor, all other motivators will not work to full potential. (Sheila R Peter M, 1999). These 12 factors have covered in a way most motivating factors talked about by early researchers in the topic. REISS AND HAVERCAMPS SENSITIVITY REINFORCEMENT THEORY According to Reiss and Havercamp (1996), sensitivity theory suggests that individuals differ in both the types of reinforcement they desire and in the type of reinforcement they need to satisfy them and that people crave too much love, attention, acceptance, companionship or too much of some other fundamental reinforce are at the risk for peculiar behaviour because normative behaviour does not produce the desired amount of reinforcement. This theory generally postulates the idea of individual differences in reinforcement effectiveness. In discussing the theory, Reiss and Havercamp (1996) defined the concept of reinforcement sensitivity as an individual difference in the reinforcing effectiveness of a fundamental motivator. They mention three key phases of this theory: Reinforcing effectiveness, Individual difference and fundamental motivation. The high points of the theory according to Reiss and Havercamp (1996) are that the theory identifies individual differences in desired amount of reinforcement that is individual differences in rates of satisfaction, as an understudied and potentially important variable, suggesting that because people spend considerable time and energy seeking the reinforcement they desire, these individual differences may predict some person-environment interactions. Secondly, the theory suggests the need for research to identify the fundamental sources of motivation. And finally, that a new theory in the development of psychopathology is suggested based on the assumption that different individuals not only desire different types of reinforcement but also desire widely varying amounts of each fundamental reinforcer. CONCLUSION APPLICATION OF MOTIVATION THEORIES IN THE BUILT ENVIRONMENT AND CONSTRUCTION INDUSTRY The Built Environment and Construction industry is a labour intensive industry; therefore the application of motivation theories cant be ignored. The nature of the construction industry is different in the sense that it offers jobs which appeal to many people because of their interesting, challenging and rewarding nature (Birchall D.W 1977). According to Olomolaiye Ogunlana (1988) construction operatives in developing countries are faced with many problems unlike those experienced by their counterparts in developed countries. They believe the construction environment is different in terms of site organisation, quality of supervision and availability of production resources, so also is their socio-economic environment. This environment produces a different worker probably motivated by different factors. In this situation, even when we have highly motivated labour force, it is not right to assume that their motivation will lead to higher productivity. Inability to produce as expected, could lead to frustration and de-motivation. Essentially, extrinsic factors such as good working condition, availability working materials and resources can go a long way in motivation construction workers in developing countries. In the construction industry like every other industry productivity is paramount. The motivation theories discussed in the earlier chapters have shown that productivity of workers is directly related to motivation. When workers are highly motivated the will put more efforts in order to achieve self-fulfilment from doing so, and thereby resulting in higher productivity (Lam and Tang, 2003). Lam and Tang (2003), also added that motivation theories such as Maslows hierarchy of needs, Herzbergs Hygiene theory, McGregors X and Y theories, Vroomss expectancy theory, etc. are often applied to increase productivity in construction projects. Borcherding and Gamer (1981) in their view, have pointed out that there are certain factors that will cause dissatisfaction amongst construction workers. The factors include material availability, tool availability, overcrowded areas, inspection delays, incompetence of foremen, etc. and they also suggested that factors like good craftsman relationship, good orientation program, pay. Recognition, defined goals and projects well planned can motivate construction employees. In the application of motivation theories to the construction industry, Maslow and Herzbergs theories form the basis. Once a worker satisfies his/her physiological needs, he will strive towards satisfying safety and social needs. And then later on seek to satisfy the needs of social belonging and self-actualization. In order to satisfy the construction workers physiological needs and increase motivation a suitable salary scheme and employment policy should be established (Lam and Tang, 2003). Lam and Tang (2000) also noted that though eccentric rewards such as salary and financial benefits do not motivate employees to high work performance, they could lower employee dissatisfaction. Construction companies should maintain a high level of security, health and safety policy at work environment in order to satisfy the safety needs of workers. Effective communication will also give them a g=feeling that their jobs are secured. For social and relationship needs to be satisfied in the construction industry, induction programs for new employees should be organised to introduce them to company objectives, other colleagues, the facilities and the working environment. The concepts above will motivate the construction workers in the short term. Lam Tang (2003) also suggested that to motivate the construction employees on the long term, the below listed approaches will come in handy: Proper resource management and job design. Life-long learning programs. Open door communication. Effective rewarding systems. Diverse and contingency style of leadership. Empowering and valuing construction employees. Continual assessments and improvement of motivation programs. In summary the study and application of motivational theories in management is a very essential tool for all managers in all works of life, especially when there are direct interactions with human beings.

Im Going to College Essay -- College Admissions Essays

I'm Going to College Neither my grandmother, nor any of my great aunts, went on to college.   It was too expensive for their family.   My great Aunt Nancy, however, did try to take night classes at the University Extension, which was held at her high school.   Unfortunately, she was unable to continue paying for these classes, so she left the University Extension program with only twelve credits earned. Aunt Nancy just continued to work at the job she acquired, right out of high school, and work her way up through the ranks at this job.   There was no push by her parents to continue her education, and therefore, there was no pressure on her to attend college.   Aunt Nancy had once told me, "There is great value in a college education, for career purpose.   It is so necessary now, where as years ago it was not as essential."   She also explained to me that college can help to build better social skills, which will be used in everyday life.   Now that Aunt Nancy is retired, she reads a lot.   When she was younger, her mother only took her to the city library three times a year to get books to read.   So, as a child she did not read as much as she reads now.   While in school, she only preformed the necessary reading and writing that was required.   Now, she reads the newspaper, books, or a magazine almost everyday.   My mother, on the other hand, did attend college.   Actually, she has attended college twice now.   The first time she went, she gained a degree as a Medical Laboratory Technician.   Later in life, she went back to college and attained her accounting degree.   My mother decided that she was not happy as a Medical Technician, so she wanted to go back to school to learn of what fields would interest her... ...of reading to your children.   He explained that as long as you read to your child, or as long as they are reading to themselves, it would increase your child's comprehension skills.   At this point in time, I no longer enjoyed having my mother read to me, but I was reading books to myself so I was still learning and establishing the proper skills gained through reading and writing. Books and an education seem to be important to everyone, no matter how old or young.   I have learned many things both in school and just by reading.   Obviously, books and schooling can have the same effect on others.   College is a time to grow, both intellectually and socially.   I strongly encourage future generations to attend college and get a good education throughout life.   It will prove to be extremely beneficial, and you will learn a lot about yourself in the process.

Two Rivers :: essays research papers

Two Rivers, Wisconsin   Ã‚  Ã‚  Ã‚  Ã‚  If one were to travel 36 miles Southeast of Green Bay they would run into a small town known as Two Rivers. Two rivers is located on the coast of Lake Michigan. Two Rivers is surrounded on three sides by the majestic Lake Michigan. Not far from Two Rivers is its sister city Manitowoc.   Ã‚  Ã‚  Ã‚  Ã‚  French Canadians as well as the Chippewa Indians founded two Rivers. The Chippewa Indians called the area Neshotah that means â€Å"a junction of 2 rivers†, since the twin rivers join together before entering Lake Michigan. The Chippewa Indians also named the twin rivers. The West River is known as â€Å"Neshoto† meaning west, and the East river is â€Å"Mishicot† meaning east. Two Rivers is obviously named after these twin rivers. The rivers themselves are almost geographically the same. The rivers are split between the city capital that is located in the center of downtown, and then rejoin together right before they hit Lake Michigan. There is more than seven miles of clean and wide white sandy beaches along the city’s edges for the town’s people as well as the tourist to enjoy. Swimming, wind surfings, beach coming, or just even to take a brake and relax in the sun are just some of the things you can enjoy in Two Rivers. Not t o mention one of the biggest activities to enjoy is the fishing. Fishing charters is a major tourist attraction, the Kiwanis fishing derby brings anglers from throughout the Midwest. You can fish on or off shore in almost all of the four seasons. Not only are the Twin rivers a good resource for fishing they are a major and important resource for water. The rivers stream are usually calm and slow, which you could say it matches the way of life of Two Rivers.   Ã‚  Ã‚  Ã‚  Ã‚  Two Rivers is a town were the pace of life doesn’t get any slower. Its slow paced atmosphere and friendly townspeople make you feel like you are in the South. Trees line the quiet streets of the all American city. In the center of town are gracious old buildings that frame Central Park. Young and old gather here for festivals, or just to sit and talk. Band Concerts are also held in Central Park on a regular basis. Tourists shop at all the well-kept stores and are often greeted with a friendly smile. Two Rivers is a town were every body knows your name.

Privatization In Russia Essay -- essays research papers

For some, the privatization of Russian industry has been one of the great success stories of Russia’s painful economic transition: quick, firm and radical action was taken to shift the great bulk of Russian industry out of state hands, thereby laying the basis for a radical restructuring of enterprises and improvements in their performance. Others see privatization as a best a failure, at worst a catastrophe. Not surprisingly those opposed to the market and economic reform as a whole share this view. But many commentators who see themselves as supporters of reform find plenty in Russian privatization to criticize: the process led to the transfer of ownership to inappropriate people and as a consequence no beneficial restructuring of enterprises or the economy can be expected. While this paper will attempt to cover the three key facets of privatization: that enterprises be transferred to private ownership; that the new owners be able de jure and de facto to exercise ownership rights; and, finally and ultimately most importantly, that the new owners exercise their ownership rights in such a way as to bring about improvements in enterprise performance. The key issues to be surveyed, therefore, are: who as a result of privatization obtained ownership of Russian industrial assets, and are they appropriate owners; can new owners, particularly if they are appropriate owners, exercise their ownership rights; and has privatization led to improvements in enterprise performance? The paper will deal with privatization only within the industrial sector; thereby ignoring the highly controversial privatization’s of the last twelve months or so in the energy and utility sectors. Who are the new owners? Global data showing about 70% of GNP being produced in the private sector reflects the high levels of privatization of industrial enterprises, with the great bulk of enterprises having been privatized by mid-1994. However privatization does not necessarily mean the complete removal of the state from an equity involvement in enterprises. State ownership. The state retains shareholdings in a significant number of privatized enterprises on the basis of government decrees declaring the ‘strategic significance for national security’ of the enterprise. Shareholdings range from 20 to 51 per cent or a Golden Share (a single share giving veto rights over certain strategic iss... ...nagers does not stand up. The indications are that they knew what they were doing and judged that outside owners would eventually assert themselves. Gradually they are doing so, and gradually they are improving their ability to exercise and enforce their ownership rights. Sometimes they are doing so in ways that are no less reprehensible than the methods of the manager-owners. There are also reasons to be concerned about the long-term consequences of the sort of bank-dominated and highly integrated ownership that many of the outsiders have brought. The best that can be said at this stage is that all modern economies have at their peak a corporate sector dominated by large integrated institutions. Clearly the private sector, and thereby privatization, has to bear some responsibility for an economy in which it has a 70% share but which is unable to provide in anything like adequate proportions growth or welfare. But in this there are other factors also at work. Indeed there are some small indications, at both macro- and micro-levels, of a positive correlation between private ownership and good performance. With time that correlation could well become stronger and more evident.

Dunkin’ Donuts Essay

In the competitive world of the coffee industry — and any industry for that matter — it’s crucial for companies to have a clear understanding of what they do best, and where they can be the best. Dunkin’ Donuts has defined its strategic heartbeat as the everyday, easy coffee stop that inspires rituals that revive. In other words, Dunkin’ Donuts provides food and drink that’s fast, fresh, and affordable — for busy people, leading busy lives. These days there is an incredible interest across the country in premium coffee. The average consumer is now demanding what Dunkin’ roducts — served fresher and faster than ever before. Dunkin’ Donuts is well positioned for the future. Taken together, Dunkin’ Donuts’ entrepreneurial business model, its culture, and the strength of its brands and menu offerings promise a strong future of successful growth. Dunkin’ Donuts is well known by generations and loved by a growing number of customers around the world. Dunkin’ Donuts is dedicated to providing delicious food and beverages to its customers and goes to great lengths to ensure only the finest ingredients are used in its recipes — including its espresso beverages. To that end, all Dunkin’ Donuts espresso beans are Fair Trade Certified. Dunkin’ Donuts was the first national brand to sell espresso beverages made exclusively with Fair Trade Certified coffee. Through Fair Trade, farmers and their families are earning a better income for their hard work, allowing them to hold onto their land, keep their children in school, and invest in the quality of their harvest. Using the most stringent standards in the coffee industry, Dunkin’ Donuts selects only the finest, high-quality beans to make its espresso blend. At the same time, Dunkin’ Donuts is working to aid the farmers who grow those beans. Small farmers in lesser-developed countries grow much of the world’s coffee. Without direct access to international markets or the business capacity necessary to compete in the global marketplace, the Fair Trade model allows farmers to receive a fair price for their coffee bean crop. The history of Dunkin’ Donuts circles back more than 55 years when Bill Rosenberg founded the company in 1950 and opened the first store in Quincy, Massachusetts. Back then, Bill had a simple philosophy: â€Å"Make and serve the freshest, most delicious coffee and donuts quickly and courteously in modern, well-merchandised stores. † That philosophy still holds true today and is the foundation that has enabled Dunkin’ Donuts to grow to be the largest coffee and baked goods chain in the world. Dunkin’ Donuts offers more than a dozen coffee beverages, donuts, bagels, muffins, breakfast sandwiches, and other baked goods. Currently, Dunkin’ Donuts has more than 7,200 shops in 34 countries worldwide. Dunkin’ Donuts has been serving highquality coffee for more than 55 years. Today, Dunkin’ Donuts is America’s largest retailer of coffee by the cup, serving nearly Donuts has been providing for over 50 years. Dunkin’ Donuts’ standards for coffee excellence are among the highest in the United States, which is no easy feat. Producing coffee takes more steps than producing wine, and Dunkin’ Donuts’ coffee experts travel around the globe to ensure quality at each step. Recently, Dunkin’ Donuts identified a new restaurant category called â€Å"Quick Quality. This represents a promise of fresh food fast and a higher evolution of the standard quick-service experience. Dunkin’ Donuts wanted to make a more meaningful promise to deliver on the value proposition consumers expect, and then some: a promise to offer fresh food, fast, and to offer more choices, served quickly, in a quality way. That means lots of innovative new 30 1 billion cups of brewed coffee each year. Using only 100 percent Arabica coffee beans, Dunkin’ Donuts offers a milder roast coffee that is milled specifically for the company and is recognized by the industry as a superior grade of coffee. In addition to serving â€Å"the best coffee in Americaâ„ ¢,† Dunkin’ Donuts is expanding its menu to include a wider range of snacks and onthe-go, delicious, quality products that will appeal to an increasingly busy consumer market. This platform will feature products that move beyond the breakfast hour in an effort to keep timestrapped people fueled and ready to face the challenges of the day — morning, noon, and night. Most recently, Dunkin’ Donuts introduced Smoothies to its popular beverage and snack menu. Made from yogurt and real fruit, Dunkin’ Donuts Smoothies are available in juicy Wildberry, luscious Mango Passion Fruit, smooth Strawberry Banana, and exotic Tropical Fruit, and are an excellent source of Vitamin C and calcium. To secure and sustain Dunkin’ Donuts’ leadership position as America’s largest retailer of coffee-bythe-cup, the company has begun an aggressive national expansion plan that will ultimately triple Dunkin’ Donuts to 15,000 stores throughout the country by 2020. Initial cities targeted for Dunkin’ Donuts’ national expansion include Atlanta, Nashville, Indianapolis, Dallas, Austin, Phoenix, and Las Vegas. In 2005, Dunkin’ Donuts unveiled a new prototype restaurant. The design, reminiscent of company roots that date over 55 years, is coupled with contemporary features to give Dunkin’ Donuts a new, modernized appearance. The new restaurant prototype features advanced equipment to meet the demands of today’s busy customers seeking fast, fresh, affordable, highquality food and beverage choices quicker and better than ever before, resulting in an improved overall in-store and drive-thru experience. A new, innovative menu that moves Dunkin’ Donuts beyond breakfast complements the store design. The new menu is part of Dunkin’ Brands’ efforts to raise the bar on the quality and variety of foods available at Dunkin’ Donuts and to change expectations about what is possible in a quick-service meal, whether in their restaurant or on the go. Perhaps the most famous of Dunkin’ Donuts advertising came in the form of the character â€Å"Fred the Baker. Throughout the 1980s â€Å"Fred the Baker† was synonymous with Dunkin’ Donuts. The advertising campaign — one of the most beloved ad campaigns in recent history — featured Michael Vale as Fred — Dunkin Donuts’ devoted, sleepy-eyed doughnut maker who woke up each morning with the mantra, â€Å"Time to make the donuts. † Fred became a character that struck a chord with most Americans; he was a hard-working man dedicated to his job regardless of the time or th e weather. Fred the Baker was featured for 15 years until he retired in 1997. In 2006, Dunkin’ Donuts unveiled a new advertising campaign that revolutionizes the brand’s position by focusing on how Dunkin’ Donuts keeps busy Americans fueled and on the go. The campaign is a fun and often quirky celebration of life, showing Americans embracing their work, their play, and everything in between — accompanied every step of the way by Dunkin’ Donuts. The launch of â€Å"America Runs on Dunkin’† marked the most significant repositioning effort in the company’s 55-year history. The campaign comes to life through a set of interactive icons that represent the campaign tagline, â€Å"America Runs on Dunkin’. † The icons help to drive the concept that Dunkin’ Donuts’ freshly made coffee and baked goods energize Americans from all walks of life so they can keep the country running on their dedicated hard work and positive outlooks. Dunkin’ Donuts customers are passionate about their Dunkin’ Donuts experience, which for millions of customers is an everyday ritual. The company recently conducted a study where customers were asked to go without Dunkin’ Donuts coffee for one week. The results showed that people felt life was harder, that their day lacked order without Dunkin’ Donuts coffee, and that competitors couldn’t fill the social and emotional need they get from a daily visit to a Dunkin’ Donuts store. People who work for Dunkin’ Donuts have a passion for what they do. And that’s because three years ago Dunkin’ Donuts located the passion of the company — the strategic heartbeat — which is the thing that the company does best. For example, Dunkin’ Donuts defined the strategic heartbeat of the company as the everyday, easy coffee stop that, by serving the best-tasting coffee, inspires rituals that revive. Dunkin’ Donuts is the No. 1 retailer of hot and iced coffee in America, selling 2. 7 million cups a day, and nearly 1 billion cups a year. Dunkin’ Donuts is also the largest coffee and baked goods chain in the world and sells more donuts, coffee, bagels, and muffins than any other quick-service restaurant in America. On an average day, Dunkin’ Donuts sells more than 30 cups of freshly brewed coffee each second. r As part of the company’s commitment to offering consumers more choices without compromising quality, Dunkin’ Donuts has assembled a new culinary team, a lineup of skilled and honored chefs and are using their talent and experience to create new and innovative menu choices for customers. The Culinary Team’s mission is to provide Dunkin’ Donuts customers with the besttasting, most creative menu items that are fast, fresh, and affordable.

Importance of Communication Skills

STUDENT NAME: NYAGOL ONYANGO BRIAN ADM NO. :EC/16/11 COURSE CODE: IRD 107 COURSE TITLE:COMMUNICATION SKILLS WORK:ASSIGNMENT. TITLE:IMPORTANCE OF COMMUNICATION SKILLS TO A UNIVERSITY STUDENT LECTURER: MR. KHWALIA DATE OF SUBMISSION: †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦/†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. /†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ STUDENT SIGNATURE: †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ IMPORTANCE OF COMMUNICATION SKILLS TO A UNIVERSITY STUDENT. Communication skills are the skills that every individual requires in order to send information to an audience in the most efficient way and receive information from a sender and interpret it correctly. A university student is in dire need of good communication skills to help him/ her undertake all fields of activities in the university including social and academic fields. This is because he/ she will be required to communicate in the most accurate and efficient way to make sure that the information sent or received is perceived in the intended manner. To start with, communications skills will help a student to have good listening habits in class. This will ensure that the student gunners a lot from what he/ she is taught in class since she learns to fully concentrate in the lectures and their subsequent subject matter. Among the skills that will help the student is listening carefully, asking questions, requesting for clarification, responding accordingly, among other things. Communication skills will be very vital for any university student who is a leader. To ensure that all their followers and supporters get them clearly, and interpret their words, gestures and facial expressions correctly, the student has to know how and when to apply these in the communication process. Without appropriate communication skills, the students may risk losing supporters or derailing the people’s confidence in him/ her. The life of a student in the university involves entry into various offices like deans’ offices, lecturers’ offices, Vice Chancellors’ offices, security offices and so on. The student will only get the expected information from the people he/ she finds in the offices if only appropriate communication skills are employed. The student has to ensure that the correct enquiry or question is asked. The student has to give full details of events especially in security offices when reporting a case in order for the correct follow up to be undertaken. Academic life of a university student also entails discussion, public speaking and presentation or research projects and group assignments. The student with good communication skills will deliver his/ her content correctly, in a chronologically planned order and confidently in front of other students. This will ensure that fear in him/ her does not distract the audience from getting the message being communicated by the student. Lack of communication skills may make the student express the information wrongly and hence wrongly interpreted by the audience. Communication skills are also vital to university students in their social relations to their fellows. This comes whenever there is any disagreement on an issue, an extended argument, or a conflict between two or more students. Good communication skills help in conflict resolution and effecting negotiations. When communication skills are implemented at such times, several damages are barred such as fights, insults and even mob actions. For example a student resolving conflict between two other students will ask questions from both parties and evaluate their responses effectively in order to come up with the best solution which suits both parties. University students stay together like four or three students in one room. Angry face all the time, quarrelling at high tones, making noise, are examples of lack communication skills that interfere with the harmonious living if such students together. However, absence of these will leave the students at ease in living together with one another and make them be able to communicate effectively and assist each other in many ways. In conclusion, communication skills are as well important to a university student as academic skills. It is evident that without good communication skills, a student may not be able to acquire knowledge effectively, may get into dangers of misunderstanding and commotions, not get intended replies in university offices, lead an unsuitable social life and many other disadvantages. All students should therefore strive to equip themselves with appropriate communication skills to ease their academic and social life in the university.

Human experience Essay

Star I thought it was a big coincidence that I ended up babysitting for a cancer patient with the same name as mine, Stephanie. Star, as she was fondly called, was a picture of hope when I first met her. I was a student then at a university near the hospital where she was confined. Her mom was a friend of my sister’s and one day, she took me with her to visit Star. That visit marked the beginning of a wonderful friendship. Every day I would visit her and she will be waiting by her window. I would bring her gifts, mostly toys and books I bought from a bookstore beside our school. We would often read the books together or play with her dad. One time, we also decorated her room with paper flowers and dolls. Star shared her dreams with me. She told me she wanted to become a doctor someday and help children like her. She wanted so much to get well that seeing her fighting for her life everyday sent tears to my eyes. But I never showed her my weakness for fear that that will bring her to her end. She taught me in her own little way to remain brave and hopeful despite the trials that come my way. It was in the afternoon of August 7, 2001 that she finally bid us goodbye. She knew it was her time to go back where she belonged, among the little angels of God where there is no pain, no tears, but only joy. That experience in my life made me wonder if God really exists and if He does, how come He didn’t answer my prayers. On the other hand, I knew that it was for the best. I myself didn’t want Star to suffer any longer. I realized God works in mysterious ways and we have to pass by many significant experiences to keep our faith and love for Him strong.

Economic Issues Simulation Paper

As a representative of Castor Insurance, the job is to maximize profit and minimize risk for the company. Healthcare is a high in demand good that the consumers of any job wants and needs to have. So it is very important to chose the right kind of healthcare for your employees. The two companeys in question Constructit and E-editors need to choose a well balanced health insurance plan that will work for there group of people. I am Jamie Ruth, I am the Vice President, Strategy and Financial Planning at Castor Collins. My duties include pricing plans and setting insurance premiums for our potential clients. Castor Collins was approached by two companies looking for employer insurance and both companies have a set rate their employees are able to pay for premiums since both groups will have to pay for his or her own insurance. The first company is Constructit that consist of 1,000 people and E-Editors that consist of 1,600 people. It is up to my team to come up with a plan the meets Constructit $4,000 max on premium and E-editors max of $4,500 premium. Our task is to keep revenue maximized and risk to a minimum by choosing one of our three plans, which are Castor Standard, Castor Enhanced and our customized plan called Castor Enhanced Minor to suit Constructit the company I have chosen. Demographics of Constructit Constructit consist of 550 men between the ages of 26 to 45 and 450 women between the ages of 26 to 42. At Constructit 32% of the workforce’s duties involve excessive physical activities. This can cause some health risk with these employees. Whereas 25% of the workforce’s duties involve modest physical activities and the remaining 43% of the workforce’s duties involve inactive activities. With the modest activity there is always a chance an injury could happen. The inactive employees mainly desk employee are not immune from injury either. Married employees consist of 60% of the workforce. The employees at Constructit are not all in perfect health. Out of 1000 employees 170 men and 210 women 38% of the workforce has no major health problems. With almost 10% of the workforce 55 men and 36 that are smokers. The majority of the workforce misses work due to injuries, respiratory system diseases, digestive disorders, migraine, and allergic conditions. Health Concerns In our investigation of the health demographics in Constructit we discovered the following health concerns. Almost half of the employees are obese, 198 men and 192 women which adds up to 39% of the workforce which in itself is a major concern. Obesity can cause High Cholesterol the second highest medical condition within this group meaning 19%, 101 men and 95 women. As well as high blood pressure is another cause of health concern with 88 men and 105 women, 19% of the workforce. We also discovered many suffer from an allergy which affects 92 men and 85 women 17% overall. Many of the employees suffer from migraines 16%, 75 men and 93 women. Although only 13% of the employees 78 men and 57 women Respiratory Diseases is still a cause of concern. The Last medical condition we discover was digestive disorders at 8% 52 men and 32 women. Now our task was to develop a plan and stay within our $4000 premium limit. Plans Here at Castor Collins we have two plans that could possibly fit the needs of Constructit. One is Castor Standard which does not cover preexisting medical conditions and the other is Castor Enhanced which does cover preexisting medical conditions. Helen one of my team members suggests we offer Constructit Castor Enhanced and eliminates a few services that have high utilization. Adam says or we could choose not to insure either group if our risk outweighs the profits. In our evaluation the risk, anticipated cost, and cost-effectiveness are different for both plans. We did not choose Castor Standard because for one it did not cover preexisting condition. The premium is within payment range enrollees can pay and our profits would be higher. The cost associated with Castor Collins providing services to Constructit does not include any copayment the enrollee has to pay. For example for inpatient hospital services for Standard the enrollee pays $114 where in Enhance they pay $144. For emergency physician or hospital care Standard is $310 where Enhances is $388. For outpatient services like physician visits the in Standard the enrollee would pay $56 and in the Enhanced he or she would pay $70. If the enrollee was to need outpatient surgery for standard he or she would pay $305 where with enhanced the cost is $381. Here is the expected utilization of services when Castor Standard or Castor Enhanced is provided to Constructit. On average utilization of the services in the population of color scheme are for the age group of 26 through 45. Inpatient hospital services are 3% for standard and 4% for enhanced with the annual average is 6% for standard and 8% for enhanced with the surgical benefits the same. For emergences the expected utilization is 6% and the annual average is the same for standard whereas for enhanced the expected utilization is still 6% however the annual average is 8% for inpatient services. In standard most of the expected utilization is anywhere from 3% to 10% whereas the annual average is 6% for standard. Outpatient services the expected utilization is anywhere from 3% to 10% and the average annually is 6%. For enhanced the expected utilization norm is 4 to 9% and with enhanced the norm is 6% for standard and enhanced is anywhere from 4 to 12%. Plan Choice For Constructit we decided to go with Castor Enhanced so we could modify it so we were able to stay within the $4000 premium prices range. Even though the copay to the enrollee is higher the benefits are revenue for us is higher. We were able to keep the premium below $4,000; the premium is $3,943 making our profit a $3. 94 million and only eliminated obesity treatment. To keep cost and risk low we decided not to include Obesity treatment. To include this service the premium would have exceeded what the enrollees would be able to pay. All other services are intact. Castor Collins earning is high and is adequate to cover the risk insuring Constructit. Services such as substances abuse treatment the expected utilization is low. Even with Castor Enhanced Minor covering preexisting medical conditions, the risk are low and the earnings could be high. Copays for services such as preventative services, diagnostic services, and chiropractic care are at 8% rate. Conclusion Our task was to evaluate the company’s demographics and develop an adequate health care plan that suits Constructit. With Castor Enhanced the premiums are below $4,000 which them enrollee can pay and still have comparable health coverage that cover preexisting medical conditions. Utilization annual average is mostly 8%. Copays are higher but the benefits are higher as well. This was a difficult task but I believe we did what was expected of us in supplying health coverage for Constructit.