Assessment of Patient’s Perceptions Essay

Caring has been widely discussed in the health care professions, especially in nursing which is considered to be one of the caring professions (Boykin and Schoenhofer 2001). Watson (1985) describes caring as a moral ideal of nursing. According to Watson, caring preserves human dignity in cure dominated health care systems and becomes a standard by which cure is measured (Watson 1988c, p. 177). Research literature indicates that the assessment of quality of care from the patient’s perspective has been operationalised as patient satisfaction (Dufrene 2000). Nurse caring has been related to patient satisfaction in western literature (Wolf et al 2003; Wolf et al 1998; Forbes and Brown 1995; Boyle et al 1989). There are so many factors that influence patients’ perceptions of care given by the opposite sex. Some of these are: Age, ethnicity, gender, socio-economic and health status. The most consistent finding has been related to age. Older patients tend to be more satisfied with their health care. Studies that have looked at ethnicity have generally held that being a member of a minority group is associated with lower rates of satisfaction. Studies on the effect of gender show that women tend to be less satisfied and other studies show the opposite. Most studies have found that individuals of lower socio-economic status and less education tend to be less satisfied with their health care. Other studies have shown that poorer satisfaction with care is associated with experiencing worry, depression, fear or hopelessness, as is having a psychiatric diagnosis such as schizophrenia, post-traumatic stress disorder or drug abuse. Health status can greatly influence satisfaction of an individual (Hall, 1990). It is important to examine the relationships of nurse caring to patient satisfaction in Cape Coast because of severe staff shortages, heavy workload, and low salaries in Cape Coast Hospitals. Nursing literature had long recognized importance of these perceptions as major factors militating against prompt and effective service delivery in the care environment. One of the critical roles and ethics of the nurse is to treat all patients irrespective of their gender, colour, creed, political inclination and religious affiliations. High quality nurse-client communication is the backbone of the art and science of nursing. It has a significant impact on patient well-being as well as the quality and outcome of nursing care, and is related to patients’ overall satisfaction with their care. The maintenance of high nurse patient communication also depends on the nurse and patient. The quality of care in a hospital has been shown to be influenced by several factors including: inadequate nursing staff, lack of regular water supply on wards, too much nursing documentation, too long waiting time, and lack of specialized nurses. In Ghana, there is crisis in nurse-client communication evidence from four sources. These are personal observation, anecdotes from client and their families, media reports, and official health reports. Although there is ample evidence to demonstrate that most nurses are females, one cannot discount the enormous services that male nurses provide irrespective of their gender. The ever increasing number of female nurses compared to male nurses in our wards, coupled with patient dissatisfaction toward treatment received has raised a lot of questions as to whether there is a perceived idea that male nurses offer better care or otherwise. With the introduction of Health Insurance a few years ago, more patients report to the hospital and are also consciously aware of their rights and responsibilities as patients and hence will demand for better service delivery from care givers. Recently, patient dissatisfaction has been on the ascendancy in several hospitals across Ghana including University of Cape Coast Hospital. This has raised a lot of concerns about the perceptions patients have regarding the care given by male nurses.

Discuss How Shakespeare Uses Language Essay

Discuss how Shakespeare uses language and dramatic techniques for character development in Act 2 Scene 2 of Measure for Measure. Shakespeare uses a variety of linguistic devices and dramatic techniques for character development from Act 2 Scene 2 to Scene 4. We see Angelo’s precise, business-like persona transform to temptation, and final cruelty whilst we see the true, confident side of Isabella as as she attempts to convince Angelo to reverse his judgement, but eventually loses her ignorant hope on the realisation of his true ‘purpose’. In Act 2 Scene 2 Shakespeare portrays Angelo as precise, intelligently dealing with the pleas of Isabella to save the life of her brother by reversing the death sentence that has been handed down to him. The scene begins with the Provost and Angelo discussing Claudio’s punishment. The Provost dares to ask Angelo if he really wants Claudio murdered, ‘All sects, all ages smack of this vice, and he to die for’t!’, and Angelo states that he does, ‘Did not I tell yea? Hast thou no order? Why dost thou ask again? ’. Shakespeare instantly uses dramatic technique of foreshadowing the conflict that is to follow through the sharp words exchanged between the two. Provost then asks what’s to be done with the woman he got pregnant, Juliet. Angelo still refuses to relent, and says that Juliet, who is in labour, should go to a more fitting place, away from everything that is going on ‘Dispose of her To some more fitter place’ Shakespeare’s lexical choice conveys his ruthless nature to the audience, in this context would mean ‘send her away’, but of course reading the text using more modern language; ‘dispose’ is an unpleasant word, especially when referring to a human being, where it seems incongruous, especially in reference to a pregnant woman, thus subtly foreshadowing the revealing of Angelo’s animalistic nature later in the scene. Angelo also calls Juliet a ‘fornicatress’, the harsh constanents of the name once again conjuring the theme that is constantly present through the play, that of appearance versus reality. Although Juliet appears from Angelo’s quick appraisal to be just a sinful person, her reality is far more complex; she is much better than most women of the time, she is not a prostitute or adulterer, rather her only fault was not securing a marriage contract before she slept with her fiancee. She is actually a woman of strength and principle, not the simple sinner that Angelo’s developing harsh, cruel character reduces her to. Isabella comes to see Angelo innocently, as shy as she appeared in her first scene at the nunnery, and begins to plead with him for Claudio’s life, ‘I have a brother is condemned to die. I do beseech you, let it be his fault, And not my brother’. Angelo is portrayed to be business-like and unrelenting, ‘Condemn the fault, and not the actor of it? Why, every fault’s condemned ere it be done’ but Lucio urges her to persist, encouraging her ‘Ay, touch him, there’s the vein’ acting as a kind of Greek chorus for the audience. She does, and calls upon Angelo’s pity, mercy, and moderation; she recognises that Angelo has the power to enforce the law in full, but impresses upon him that one must use power with moderation. Isabella’s strategy is a keen one, trying to persuade Angelo to have the same mercy for her brother that she has. Once again, the issue of mercy is urged upon Angelo, as is the theme of human weakness, which all, Isabella stresses, fall victim to. Her character is portrayed as increasingly canny, when she has to be; her argument is strong and persuasive, although it is not her argument that causes Angelo to relent, but his attraction to her. Isabella also touches upon the theme of use of power; ‘it is excellent to have a giant’s strength,’ she tells Angelo, ‘but it is tyrannous to use it as a giant’, making an allusion to ‘Jove’ to demonstrate her point – even the gods, with tremendous power, know how best to use their awesome abilities. This is another lesson that Angelo’s character must learn; for although he can use the law to its full extent if he wishes, he has to learn how to temper his power with mercy and heed moderation. Comparing the characters of Angelo and Isabella, one could argue that Isabella is ‘the symbol of goodness and mercy set against a background of moral decay’. Alternatively, one could see her character as self-righteous and hypocritical, as we later discover when she values her chastity higher than her brother’s life. Isabella continues arguing with Angelo until he finally relents and tells her to come back the next day to hear his judgement. Everyone leaves, and Angelo speaks a rather striking soliloquy, apparently talking to himself ‘†¦what art thou Angelo? Dost thou desire her foully for those things that make her good? ’. Thus, through Shakespeare’s staging, we learn that Angelo admits to himself that he is in love with Isabella because of her virtue and purity. Often characters in Shakespeare’s plays have soliloquies but they do not often refer to themselves in third person and when they do, it is often a sign of madness. Perhaps Shakespeare is suggesting this as a sign for Angelo. What is certain is that he is struggling with an inward battle between what he knows he should do and what he desires to do, as his develops and starts questioning the morality of his own character. It is with great irony that Isabella’s call to Angelo to mark the weaknesses in his own heart is answered by Angelo’s acknowledgement that he is tempted by Isabella. It is this temptation that brings from Angelo his first statement of mercy toward Claudio: ‘O, let her brother live! Thieves for their robbery have authority when judges steal themselves!’ Shakespeare shows how Angelo realises that with experience of one’s own weakness comes mercy for others’ failings; however, he soon ignores this lesson, and falls into hypocrisy in Act 2 Scene 4. In this scene, Isabella comes back the next day as Angelo had asked, and he begins by saying that Claudio must die. Isabella begins to leave, but Angelo begins to tempt her to save her brother, by offering herself instead. Isabella ignorantly misunderstands Angelo’s subtle sexual offer, and he is forced to tell her plainly that if she sleeps with him he will let Claudio live. Angelo accuses her of hypocrisy, and they discuss the frailty of women. In terms of character development in this scene, Angelo begins in a state of agitation, pondering why he cannot pray and with a new awareness of how the appearance of things might not be true to reality. Where before Angelo was unified in his intentions and actions, he has now become internally divided, ‘O place, O form, How often does thou with thy case, thy habit, Wrench awe from fools, and tie the wiser souls to thy false seeming! Blood, thou art blood. ’- questioning the power of authority, position and outward appearance to convince even wise men that false men are virtuous. Shakespeare uses language of coercion, ‘wrench’ and ‘tie’, and apostrophe – ‘O place, O form’ to perhaps illustrate the sophisticated and baffling nature of false appearances. Shakespeare also shows how Angelo is beginning to seduce Isabella with subtle and ambiguous lexis, but moving more and more towards blunt, harsh and animalistic discourse as the scene progresses. ‘I have begun, and now I give my sensual race the rein’; Shakespeare shows how Angelo has almost been possessed by his animal side. This is perhaps emphasised by the use of horse imagery, ‘race the rein’, as well as the use of plosives and dentals ‘fit they consent to my sharp appetite’, drawing attention to his teeth and lips, reinforcing his sexual lust and passion for Isabella. When Isabella enters, however, she meekly accepts Angelo’s judgement, but as the scene progresses she continues to find her voice. As Angelo descends into sensuality, she seems to become more pious and religously extreme, almost swapping roles with Angelo. ‘Th’ impression of keen whips I’d wear as rubies, and strip myself to death’ – Shakespeare uses images of love, death and falgellation to express her disgust at the idea of submitting to Angelo. Though the sentiment is spiritual, the language and images are highly physical, suggesting that her character would resist the carnal sexuality by yielding herself to more gruesome lovers: torture and death. Her innocence is also shattered by Angelo’s crass offer – she seems shocked to find out that justice might not be as perfect as it appears. Her naivety is gradually stripped away as Angelo easily overcomes her threat to expose him, and she sees that virtue does not necessarily triumph over iniquity. Yet, she still has ignorant faith in the honour of her brother, Claudio, and trusts that he will defend her honour even at the cost of his life.

Bis Corporation Essay

Prepare a written report with the results organized in tables. Submit your project to me via email by the deadline. In your email should include your written report in pdf format and your Excel implementation. Attach the two documents to your email separately, do not compress the two into an archive file, e.g. zip, rar, 7z. This can be undertaken as a group project or you may choose to work individually. You may work as a team of maximum of 4 students. Significant points will be deducted if you fail to follow the above instructions, submit only an Excel document, or submit the work of someone else. Bis Corporation Recall the Bis Corporation example covered in class. SKUs are aggregated into 3 groups. Customers are aggregated into 25 groups. Project data is uploaded as an Excel workbook. In this workbook SKU groups value, volume and weight data are given. Monthly demand AVG and STD values for each customer group are given in SKUs. Highway distances between all Turkish cities are given. The distances in the diagonal of the matrix corresponds to the average distance of two points (e.g. factory-warehouse or warehouse-customer) within the same city. There are two factories: Kocaeli plant produces S01 and S02 groups only, Adana plant produces S03 group only. Warehouse parameters and annual fixed costs are given. Inbound transportation is carried out on semi-trailer trucks, outbound transportation on regular trucks. There two alternatives to be compared: A1 with 2 warehouses and A2 with 5 warehouses. a) Calculate and present in a table inbound and outbound unit cost of transportation of each SKU group. For each SKU group and truck type first find whether the truck capacity (number of SKUs that can be loaded) is limited by volume or weight. Then use the load factor to calculate how many SKUs can be loaded on average. Then calculate the cost of transporting one SKU to a distance of 100km. b) For alternative A1 calculate monthly costs. Calculate the monthly outbound transportation costs for each customer group and SKU group. Calculate the monthly inbound cost of transporting SKUs from factories warehouses. Calculate the average inventory levels at each warehouse by volume and value. Calculate the required warehouse capacities and then which warehouse choice will be made. Then find the corresponding warehouse fixed cost (convert it into a monthly cost). Calculate the monthly holding costs and handling costs at each warehouse. Finally calculate the monthly total cost as the sum of all costs. c) Repeat part (b) for alternative A2.

Cooperative learning Assignment Example | Topics and Well Written Essays - 500 words

Cooperative learning - Assignment Example The Teaching and Evaluating the Collaborative Process step is the most important that requires more time to plan and execute. The result of a cooperative learning process is determined by how well the group can communicate to each other effectively without misunderstanding. Moreover, learning how to communicate individuals ideas and feelings give confidence to individuals and enable a successful goal achievement. Tutors and another teaching staff can effectively choose the members of groups in monitoring performance stage (Borich). During this state, members have already conceptualized what is supposed to be done and played their part. Thus, it prudent to separate individuals according to their capabilities to ensure the achievement of goals. Moreover, it is important to use different ways of monitoring to ensure keeping track on each group activities. Moreover, it is important to establish problems and rectify them as the group progresses. Active un-involvement can be incorporated in a cooperating learning tasks by assigning tasks that require division of labor (Borich). In addition, un-involvement in a group can be minimized by integrating members of the group’s role to correct each other when they err in their roles (Borich). Furthermore, passive and active un-involvement can be solved by encouraging the poor and slow learners to work hard to achieve the group goal (Borich). However, the best way to deal with non-engaged performers in a group is by assigning individual roles to group members (Borich). Through this, each member will have to engage other when he or she is in a difficult

Global strategic Management Essay Example | Topics and Well Written Essays - 4000 words

Global strategic Management - Essay Example Due to innovative strategic management and product development, the company has experienced a rapid growth in domestic as well as international market. The company has identified a better and potential opportunities in international markets and hence, it has entered into major markets of Asia, Europe, Middle East etc. In the process of international expansion involves a number of issues relating to multiple macro-economic, specifically due to cultural diversity. Besides, the industry forces of is also prominent for determining the attractiveness of the industry. Industry for packaged gas and chemical manufacturing has a great economic importance as it offers very vital raw materials to other industries. The global gas and chemical manufacturing industry is becoming very competitive with increasing opportunities. However, the overall industry competition is quite attractive as higher availability of consumers comparing to international organisation. To cater the international market A ir product must use its strengths to counter the underlying opportunities. In this process, the foremost task is to identify the multiple factors influencing international business and the major factors are external forces (political, culture, market trend, geographic features etc) and consumer behaviours. Air product must assess these factors for framing proper strategies. However, the core organisational strategy should support international strategy and Air product must develop distinct strategy for each country. To identify the strategic direction for international market, it can use the nine strategic windows. Marketing mix should also be considers the feature of prevailing international market. The glocalisation strategy should be core essence of global strategic management and hence, it should acts as local company in international market with the international standards. To meet short term and specific aims, the functional strategies should focus on understanding the culture of the market and consumers. Moreover, it also needs to comply with legal frameworks to avoid the country related risks. 2. Introduction There have been significant changes in the nature of trade and business activities. The Industrial Revolution of 18th century can be considered as the first occurrence that changed the thought process of the entire world regarding industrialization. People and world economies have realized that industrialization is one of the most crucial tools for bringing economic and social developments within a country. In order to encourage industrialisation, economic policy makers have to take necessary initiatives so that people can use their entrepreneurial and productive skills. Besides, industrialization also requires multiple resources like labour, capital, materials etc and many countries are not self sufficient in this respect. Therefore, the world economies are inter-dependent on each other for their own benefits i.e. domestic market

Respond to classmate Essay Example | Topics and Well Written Essays - 250 words - 3

Respond to classmate - Essay Example Next to be considered is conciseness. When communicating, be sure you are not beating around the bush. Be direct and to the point while communicating. Following conciseness is consideration. Be aware who needs the information and consider all those who need to know. When considering your communication you need to be concrete and use specific facts and figures along with clarity so those you are communicating with will have no possible confusion. Lastly, Courteous and correctness go hand in hand. As a communicator you should be courteous of the listener and uses correct language and also in messaging use correct grammar, punctuation, spelling, and accurate facts and figures. Using these seven C’s can guide and promote effective communication in the workplace.   Ã‚  Ã‚  Ã‚   In my workplace, communication is a must. As a Title one paraprofessional, I am working with several teachers to help those struggling students to improve in reading, writing, and arithmetic. If I was given the students and teachers did not consider what the students’ needs were I would not know what to teach them. It is my job to collaborate with each grade to better the students time and help them progress. It is also courteous on the teacher’s part to keep us in the loop so we can be correct and concise in who needs extra help. Without proper communication, I would fail in helping those students to progress and learn. Communication is essential in every aspect. Nordmeyer, Billie. Keys to Building Effective Communication in the Workplace. Everydaylife.globalpost.com. Retrieved from http://everydaylife.globalpost.com/keys-building-effective-communication-workplace-1575.html I agree with the seven Cs presented in this article and wondered if they talked about delivery methods too?   There are times it is difficult to deliver all the information in a concise manner if there are a lot of details to be discussed.   About a week ago I was trying to explain a situation at

How did the modern states of Iraq, Syria, Jordan, and Lebanon come Research Paper

How did the modern states of Iraq, Syria, Jordan, and Lebanon come into being, and what role did Britain and France play in their formation - Research Paper Example On the other hand, the French controlled Ottoman Syria now the modern Syria2. With the formation of these territories after the war, the French and the British took over them and ensured that they became formal by the League of Nations systems of mandate. In this case, the French were assigned the Syria mandate by 19233. The mandate included the present-day Lebanon and the modern Syria. On its part, the British got Southern Iran and Jordan from Baghdad to Basra. However, the French later on gave up the Northern part of Iran in exchange for oil revenues at 2 percent. Through the mandate created, it is quite evident that France and Britain played significant roles in the formation of the modern Iraq, Syria, Lebanon and Jordan after the war. The drawing of the four states was primarily based on the exploitation of diverse sectarian make

Journal writting ( refer to the attachment) Essay - 1

Journal writting ( refer to the attachment) - Essay Example The reason for trying to classify things and people is because we want to simplify things and reduce the task of processing information. Stereotypes are â€Å"beliefs about the personal attributes of a group of people† (Myers, 1999 p336) Stereotypes may be positive or negative, accurate or inaccurate (Jussim, McCauley & Lee, 1995). Stereotypes may be classified by their characteristics, appearance, activities, occupations, interests, and goals in their lives. Commenting on gender stereotypes (Iackman and Senter (1981) enumerate that people are stereotyped according to the ethnic background and nationality. For eg. Italians are amorous, British are cool and so on†¦They can also be grouped according to their race. Eg. African Americans can dance or Jews can’t dance. They can be segregated even according to their occupation- for e.g Lecturers are intelligent but absent minded or Accountants are boring. No human is perfect and as such are bound to make errors in judgment. We also hold a lot of biases because we deliberately tend to adjust information to suit these biases. â€Å"All work and no play makes Jack a dull boy† is a very famous saying that is 100% true. Both leisure and play are vital to a child’s all round development. Both learning and development takes place only through play and therefore it is inevitable that a child is given time for that. According to the children’s charter of the United Nations – â€Å"The child shall not be admitted to employment before an appropriate age; the child shall in no case be caused or permitted to engage in any occupation or employment which would prejudice their health or education, or interfere with their physical, mental or moral development† (Principle 9) While leisure provides an adult with an opportunity to boost his self esteem and self worth, play provides this platform for children. Play is

Discuss How the relationship between kinship and politics is Essay

Discuss How the relationship between kinship and politics is illustrated in texts of Aeschylus's Eumenides and extract from Theogony by Hesiod - Essay Example Unknown to Thyestes, Atreus had secretly murdered all of his children and have served them to him in a way that the true origin of the meat was disguised. Needless to say, he had unwittingly eaten his own children. Atreus had revealed to him the true nature of what he has been eating by the end of the meal, and Thyestes, in his rage, called down a curse on Atreus house. With Aegisthus, his sole surviving child, they fled from the house. (2) Agamemnon and Menelaus are Atreus sons. Agamemnon wedded Clytaemestra, and Menelaus wedded Helen. Menelaus wife, however, was seduced by Paris of Troy, with whom she went willingly with back to his city. Agamemnon and Menelaus had arranged the chieftains of Greece into a massive force in retaliation to win her back. The fleet met at Aulis, but was incapable of setting sail due to the anger of the goddess Artemis who had been keeping the weather against them. The prophet Calchas said to Agamemnon that in order to pacify the goddess, the king would have to sacrifice his own daughter, Iphigeneia. As he did so, he and his troops were able to set sail. They waged a war against Troy for ten long years, which eventually destroyed the city and killed or enslaved all of the people in the city. On their journey back home, Agamemnons contingent was faced by a terrible sea storm wherein only Agamemnons ship was able to survive. In his return, Agamemnon brought with him a captive mistress, the prophetess Cassandra. His wife, Clytaemestra, had taken a lover while he was away who just so happened to be Aegisthus, the only surviving son of Thyestes. Not long after Agamemnons return, Clytaemestra murdered the king in his bath. Her next victim was Cassandra. The prophetess, with the conviction that she is incapable of changing her fate decided to walk wittingly towards her own death. (5) Clytaemestra exhibited the corpse of the king while proclaiming that justice had been served. Her motives were a tangled mix

Anonymous Research Essay Example for Free

Anonymous Research Essay Anonymous (used as a mass noun) is a loosely associated hacktivist group. It (is estimated to have) originated in 2003 on the imageboard 4chan, representing the concept of many online and offline community users simultaneously existing as an anarchic, digitized global brain.[2] It is also generally considered to be a blanket term for members of certain Internet subcultures, a way to refer to the actions of people in an environment where their actual identities are not known.[3] It strongly opposes Internet censorship and surveillance, and has hacked various government websites. It has also targeted major security corporations.[4][5][6] It also opposes Scientology, government corruption and homophobia. Its members can be distinguished in public by the wearing of stylised Guy Fawkes masks.[7] In its early form, the concept was adopted by a decentralized online community acting anonymously in a coordinated manner, usually toward a loosely self-agreed goal, and primarily focused on entertainment. Beginning with 2008, the Anonymous collective became increasingly associated with collaborative, international hacktivism. They undertook protests and other actions in retaliation against anti-digital piracy campaigns by motion picture and recording industry trade associations.[8][9] Actions credited to Anonymous were undertaken by unidentified individuals who applied the Anonymous label to themselves as attribution.[10] They have been called the freedom fighters of the Internet,[11] a digital Robin Hood,[12] and anarchic cyber-guerrillas.[13] Although not necessarily tied to a single online entity, many websites are strongly associated with Anonymous. This includes notable imageboardssuch as 4chan, their associated wikis, Encyclopà ¦dia Dramatica, and a number of forums.[14] After a series of controversial, widely publicized protests, distributed denial of service (DDoS) and website defacement attacks by Anonymous in 2008, incidents linked to its cadre members have increased.[15] In consideration of its capabilities, Anonymous has been posited by CNN to be one of the three major successors to WikiLeaks.[16] In 2012, Time named Anonymous as one of the most influential groups in the world.[17] Origins The name Anonymous itself is inspired by the perceived anonymity under which users post images and comments on the Internet. Usage of the term Anonymous in the sense of a shared identity began on imageboards.[14] A tag of Anonymous is assigned to visitors who leave comments without identifying the originator of the posted content. Users of imageboards sometimes jokingly acted as if Anonymous were a real person. The concept of the Anonymous entity advanced in 2004 when an administrator on the 4chan image board activated a Forced_Anon protocol that signed all posts as Anonymous.[14] As the popularity of imageboards increased, the idea of Anonymous as a collective of unnamed individuals became an Internet meme.[18] Anonymous broadly represents the concept of any and all people as an unnamed collective. As a multiple-use name, individuals who share in the Anonymous moniker also adopt a shared online identity, characterized as hedonistic and uninhibited. This is intended as a satirical, conscious adoption of the online disinhibition effect.[19] â€Å"| We [Anonymous] just happen to be a group of people on the internet who need—just kind of an outlet to do as we wish, that we wouldnt be able to do in regular society. Thats more or less the point of it. Do as you wish. Theres a common phrase: we are doing it for the lulz.| †| —Trent Peacock. Search Engine: The face of Anonymous, February 7, 2008.[19]| Definitions tend to emphasize that the concept, and by extension the collective of users, cannot be readily encompassed by a simple definition. Instead Anonymous is often defined by aphorismsdescribing perceived qualities.[2] One self-description, originating from a protest video targeted at the Church of Scientology, is: We are Anonymous. We are Legion. We do not fo rgive. We do not forget. Expect us.[20] Overview â€Å"| [Anonymous is] the first Internet-basedsuperconsciousness. Anonymous is a group, in the sense that a flock of birds is a group. How do you know theyre a group? Because theyre traveling in the same direction. At any given moment, more birds could join, leave, peel off in another direction entirely.| †| —Chris Landers. Baltimore City Paper, April 2, 2008.[2]| Anonymous consists largely of users from multiple imageboards and Internet forums. In addition, several wikis and Internet Relay Chat networks are maintained to overcome the limitations of traditional imageboards. These modes of communication are the means by which Anonymous protesters participating in Project Chanology communicate and organize upcoming protests.[21][22] A loose coalition of Internet denizens,[23] the group bands together through the Internet, using IRC channels[21] and sites such as 4chan,[21][23] 711chan,[21] Encyclopà ¦dia Dramatica,[24] and YouTube.[3] Social networking services, such as Facebook, are used for to mobilize groups for real-world protests.[25] Anonymous has no leader or controlling party and relies on the collective power of its individual participants acting in such a way that the net effect benefits the group.[23] Anyone who wants to can be Anonymous and work toward a set of goals a member of Anonymous explained to the Baltimore City Paper. We have this agenda that we all agree on and we all coordinate and act, but all act independently toward it, without any want for recognition. We just want to get something that we feel is important done[2] Anonymous members have previously collaborated with hacker group LulzSec.[citation needed] Membership It is impossible to join Anonymous, as there is no leadership, no ranking, and no single means of communication. Anonymous is spread over many mediums and languages, with membership being achieved simply by wishing to join.[26] Commander X and the Peoples Liberation Front A person known as Commander X provided interviews and videos about Anonymous.[27] In 2011, he was at the center of an investigation into Anonymous by HBGary CEO Aaron Barr, who claimed to have identified him as a San Francisco gardener. Interviewed following the attack on HBGary Federal, Commander X revealed that while Barr suspected that he was a leader of the group, he was in his own words a peon. However, Commander X did claim to be a skilled hacker and founding member of an allied organization, the Peoples Liberation Front (PLF).[28] According to Commander X, Peoples Liberation Front, a collective of hactivists founded in 1985, acted with AnonOps, another sub-group of Anonymous, to carry out denial-of-service (DDOS) attacks against government websites in Tunisia, Iran, Egypt, and Bahrain. Explaining the relationship between Anonymous and the PLF, he suggested an analogy to NATO, with the PLF being a smaller sub-group that could choose to opt in or out of a specific project. AnonOps and the PLF are both capable of creating huge Internet armies. The main difference is AnonOps moves with huge force, but very slowly because of their decision making process. The PLF moves with great speed, like a scalpel.[29] On September 23, 2011, a homeless man in California named Christopher Doyon was arrested and stated by officials to have used the Commander X screen name.[30] He pleaded not guilty.[31] Low Orbit Ion Cannon Main article: LOIC The Low Orbit Ion Cannon is a network stress testing application that has been used by Anonymous to accomplish its DDOS attacks. Individual users download the LOIC and voluntarily contribute their computer to a bot net. This bot net is then directed against the target by AnonOps.[32] Joining the bot net and volunteering ones resources for the use of the group is thus one way of being a member, a concept that is otherwise hard to define. The Pirate Bay In April 2009, after The Pirate Bay co-defendants were found guilty of facilitating extensive copyright infringement in a commercial and organized form, Anonymous launched a coordinated DDoS attack against the International Federation of the Phonographic Industry (IFPI), an organisation responsible for safeguarding recording artists rights.[33] When co-founders lost their appeal against convictions for encouraging piracy, Anonymous again targeted the IFPI, labelling them parasites. A statement read: We will continue to attack those who embrace censorship. You will not be able to hide your ludicrous ways to control us. Megaupload On January 19, 2012, Megaupload, a website providing file-sharing services, was shut down by the US Department of Justice (DOJ) and the Federal Bureau of Investigation (FBI).[36] In the hours following the shutdown, hackers took down the sites of the DOJ and FBI, as well as the Motion Picture Association of America (MPAA), the Recording Industry Association of America (RIAA), and Broadcast Music, Inc. (BMI) using distributed denial-of-service (DDoS) attacks.[37]Barrett Brown, described as a spokesperson for Anonymous, called the attack the single largest Internet attack in [Anonymous] history.[38] With the protests against the Stop Online Piracy Act (SOPA) protests only a day old, Brown stated that internet users were by-and-far ready to defend an open Internet.[38] Although the actions of Anonymous received support,[citation needed] some commentators argued that the denial of service attack risked damaging the anti-SOPA case. Molly Wood of CNET wrote that [i]f the SOPA/PIPA protests were the Webs moment of inspiring, non-violent, hand-holding civil disobedience, #OpMegaUpload feels like the unsettling wave of car-burning hooligans that sweep in and incite the riot portion of the play.[39] Dwight Silverman of the Houston Chronicle concurred, stating that Anonymous actions hurt the movement to kill SOPA/PIPA by highlighting online lawlessness.[40] The Oxford Internet Institutes Joss Wright wrote that In one sense the actions of Anonymous are themselves, anonymously and unaccountably, censoring websites in response to positions with which they disagree.[37] Government websites Anonymous claimed responsibility for taking down government websites in the UK in April 2012 in protest against government extradition and surveillance policies. A message was left on Twitter saying it was for your draconian surveillance proposals.[41] Occupy movement Anonymous activists merged with Occupy Wall Street protesters. Anonymous members descended on New Yorks Zucotti Park and organized it partly. After it became known that some Occupy protesters would get violent, Anonymous used social networking to urge Occupy protesters to avoid disorder. Anonymous used Twitter trends to keep protests peaceful.[42] A similar protest occurred outside the London Stock Exchange in early May 2012 during a May Day Occupy protest.[43] Internet pedophilia Alleged Internet predator Chris Forcand, 53, was charged with child sexual and firearm offenses.[44] A newspaper report stated that Forcand was already being tracked by cyber-vigilantes before police investigations commenced.[45] A television report identified a self-described Internet vigilante group called Anonymous who contacted the police after some members were propositioned by Forcand. The report stated this was the first time a suspected Internet predator was arrested by the police as a result of Internet vigilantism.[46] In October 2011, Operation Darknet was launched as an attempt to cease the activities of child porn sites accessed through hidden services in the deep web.[47] Anonymous published in apastebin link what it claimed were the user names of 1,589 members of Lolita City, a child porn site accessed via the Tor network. Anonymous said that it had found the site via The Hidden Wiki, and that it contained over 100 gigabytes of child pornography. Anonymous launched a d enial-of-service attack to take Lolita City offline. Cyber-attacks and other activities The group is responsible for cyber-attacks on the Pentagon, News Corp and has also threatened to destroy Facebook.[54] In October 2011, Anonymous hackers threatened the Mexican drug cartel known as Los Zetas in an online video after one of their members was kidnapped.[55] In late May 2012 alleged Anonymous members claimed responsibility for taking down a GM crops website.[56] In early September 2012 alleged Anonymous members claimed responsibility for taking down GoDaddys Domain Name Servers, affecting small businesses around the globe.[57] In mid-September 2012, Anonymous hackers threatened the Hong Kong government organization, known as National Education Centre. In their online video, Anonymous members claimed responsibility for leaking classified government documents and taking down the National Education Centre website, after the Hong Kong government repeatedly ignored months of wide-scale protests against the establishment of a new core Moral and National Education curriculum for children from 6–18 years of age. The new syllabus came under heavy criticism and international media attention, as it does not award students based on how much factual information is learned, but instead grades and evaluates students based on their level of emotional attachment and approval of the Communist Party of China, almost in blind brain-washing fashion.[58] Israel In response to Operation Pillar of Cloud in November 2012, Anonymous launched a series of attacks on Israeli government websites. Anonymous protested what they called the barbaric, brutal and despicable treatment of the Palestinian people.[59] Syria On November 30, 2012, the group declared an operation to shut down websites of the Syrian government, in response to a internet blackout the previous day believed to be imposed by Syrian authorities in an attempt to silence opposition groups of the Syrian civil war Reaction from law enforcement agencies Arrests â€Å"| First, who is this group called Anonymous? Put simply, it is an international cabal of criminal hackers dating back to 2003, who have shut down the websites of the U.S. Department of Justice and the F.B.I. They have hacked into the phone lines of Scotland Yard. They are responsible for attacks against MasterCard, Visa, Sony and the Governments of the U.S., U.K., Turkey, Australia, Egypt, Algeria, Libya, Iran, Chile, Colombia and New Zealand.| †| —Canadian MP Marc Garneau, 2012[67]| In December 2010, the Dutch police arrested a 16-year old for cyberattacks against Visa, MasterCard and PayPal in conjunction with Anonymous DDoS attacks against companies opposing Wikileaks.[68] In January 2011, the FBI issued more than 40 search warrants in a probe against the Anonymous attacks on companies that opposed Wikileaks. The FBI did not issue any arrest warrants, but issued a statement that participating in DDoS attacks is a criminal offense with a sentence of up to 10 years in prison.[69][70] In January 2011, the British police arrested five male suspects between the ages of 15 and 26 with suspicion of participating in Anonymous DDoS attacks.[71] Matthew George, a Newcastle, New South Wales resident, concerned with forthcoming Australian internet filtration legislation, was arrested for his participation in Anonymous DDoS activities. George participated in Anonymous IRC discussions, and allowed his computer to be used in a denial of service attack associated with Operati on Titstorm. Tracked down by authorities, he was fined $550, though he was not fully aware that his actions were illegal, and believed his participation in Operation Titstorm had been a legal form of civil protest. His experience left him disillusioned with the potential of online anonymity, warning others: There is no way to hide on the internet, no matter how hard you cover your tracks you can get caught. Youre not invincible.[72] On June 10, 2011, the Spanish police captured three purported members of Anonymous in the cities of Gijon, Barcelona and Valencia. The operation deactivated the main server from which the three men coordinated DDoS attacks. This particular group had made attacks on the web servers of the PlayStation Store, BBVA, Bankia, and the websites of the governments of Egypt, Algeria, Libya, Iran, Chile, Colombia and New Zealand. The operation revealed that their structure consisted of cells which at any given time could coordinate attacks through the downloading of software; the decision-making process to attack occurred in chat rooms. The Spanish national police stated that this operation corresponds to the fact that the Spanish government and NATO considers this group of hackers a threat to national security.[73] On June 13, 2011, officials in Turkey arrested 32 individuals that were allegedly involved in DDoS attacks on Turkish government websites. These members of Anonymous were captured in different cities of Turkey including Istanbul and Ankara. According to PC Magazine these individuals were arrested after they attacked these websites as a response to the Turkish government demand to ISPs to implement a system of filters that many have perceived as censorship.[74][75] During July 19–20, 2011, as many as 20 or more arrests were made of suspected Anonymous hackers in the US, UK, and Netherlands following the 2010 Operation Avenge Assange in which the group attacked PayPal, as well as attacking MasterCard and Visa after they froze Wikileaks accounts. According to US officials statements suspects homes were raided and suspects were arrested in Alabama, Arizona, California, Colorado, Washington DC, Florida, Massachusetts, Nevada, New Mexico, and Ohio, as well as a 16 year old boy being held by the police in south London on suspicion of breaching the Computer Misuse Act 1990, and four being held in the Netherlands.[76][77][78][79] On February 28, 2012, Interpol issued warrants for the arrests of 25 people with suspected links to Anonymous, according to a statement from the international police agency. The suspects, between the ages of 17 and 40, were all arrested.[80] On September 12, 2012; Anonymous spokesman Barrett Brown was arrested at his home in Dallas on charges of threatening an FBI agent. Agents arrested Brown while he was in the middle of aTinychat session.[81]

Roles and Responsibilities of a Qualified Nurse

Roles and Responsibilities of a Qualified Nurse Professional Role Development The aim of this essay is to explore and discuss important aspects of the roles and responsibilities of the newly qualified nurse. It will look at and abroad discuss on different type of roles and responsibilities including transition. The roles and responsibilities of a qualified nurse include essential professional skills such as leading in care management and care delivery situations as well as maintaining standards of care. The focus of the essay will be discussing in detail two particular roles of the newly qualified nurse (delegation and patient group direction). It will discuss the meaning of these concepts and their importance for nurses and provide some practical contextual examples. It will also discuss the rational of chosen roles A new qualified nurse expected to be competent to work in all environments and situations. This emerging health care system requires a registered nurse workforce at all levels post initial registration capable of critical reflective thinking in order to create this system. Lofmark A (2006) claim that with registration comes a shift in professional accountability together with wider clinical management and teaching responsibilities. On becoming a qualified nurse, the expectations and dynamics of relationships changes fundamentally. Suddenly the newly qualified nurse is the one who must know the answer whether it is a query from a patient, a career, a work colleague or a student. The newly qualified nurse will encounter many challenging situations where she or he must lead care delivery. This includes dealing with care management within the team, dealing with patients/service users, dealing with other professionals and dealing with the required needs of the whole workplace environment. The NMC requires a student nurse to demonstrate professional and ethical practice, be competent in care delivery and care management and show personal and professional development in order to join the register NMC (2010). It is recognized that nurses should be provided with some form of preceptorship and supervision in their role for a period of four months time NMC (2006)) once qualified. Even in this period of preceptorship, there are new expectations and challenges faced by the newly qualified nurse. Mooney (2007) found that newly qualified nurses were faced with assumptions from others that they should know everything. This was also a high expectation they had of themselves. In meeting the NMC standards of proficiency, the nurse should have demonstrated the relevant knowledge and skills in order to practise in their career. However, it is important to recognise that not every nurse knows everything about everything in their career especially if they are practising in highly specialized fields. What they need is to be able to develop and adapt to changing situations. Therefore, for the nurse it is impossible to know everything but they should have developed the skills to find out relevant information, reflect on it, and apply this to their practice. In essence they should have learnt how to learn. There is a great deal to be learnt once qualified especially related to a nurses new area of work and a good deal of the development needs to take place on the job Lofmark A (2006). The study by Jackson. K (2005) suggested that a successful transition requires the nurse to develop a self-image relevant to the change in status to be able to do the job and that they meet the expectations with others with appropriate support. Mooney (2007) also points out that the duties faced by most newly qualified nurses were not patient contact centred. There were a lot of duties related to contacting and dealing with other professionals and services. These brought anxieties related to the responsibilities that might be faced as the nurses would become increasingly senior in their roles with others expecting them to provide the actions and the answers in complex situations. This highlights how the experience of nursing of transition from student to newly qualified nurse can be daunting. In the current environment there is an expectation that nurses have a preceptor one qualifying for aid in these transitions but the literature still suggests there is a difficulty in the transit ion process for such professionals. Hole. J, (2009) found that individual accountability, delegating duties without appearing bossy and some challenging clinical situations such as death and dying and specialised technological roles were found to be stressful by qualifying nurses. Issues of the preceptorship of newly qualified nurses become apparent and important in dealing with the transition from supervised student to autonomous practitioner. The approach taken throughout the rest of this essay will be to provide a discussion of the main theories, concepts, and issues related to the roles and responsibilities of delegation and PGD for newly qualified nurses. It will discuss the meaning of these concepts and their importance for nurses, and provide some practical contextual examples. The rational of choosing these two roles are because: Firstly delegation is a huge newly qualified nurses concern. According Hole. J, (2005) newly qualified nurses are not capable to delegate tasks to someone else and they end up overloading themselves. This is because an accountability issue or not knowing the staffs well as they is new to the ward. Secondly, it is a legal requirement that newly qualified nurses need to have knowledge of PGDs in order to work within legal and ethical frameworks that underpin safe and effective medicines management NMC (2010). For this reason, I personally was interested and picked them to discuss in order to develop my understanding and prepare me to successfully make the transition from student nurse to a registered professional. Delegation is a major function of an effective manager of patient care and is an essential skill when directing the activities of others at all levels in an organization. It is the means by which an individual is able to accomplish needed tasks with and through others. Although the delegator remains accountable for the task, the delegate is also accountable to the delegator for the responsibilities assumed. Delegation can help others to develop or enhance their skills, promotes teamwork and improves productivity Sollivan.E.J et al (2009). Therefore, delegation is the area where newly qualified staff experience huge difficulties. Often they do not feel confident enough to ask someone else to do something for them. Consequently, they try to do all of the work themselves and end up leaving late or providing less than adequate standards of care. Other members of staff will not mind if they delegate tasks to them as long as they apply the basic rules such as ensuring that it is something they are competent to do. When delegating, the delegator remain responsible for that care if he/she do not delegate appropriately as stated by NMC (2008). It is also important that the delegator explained clearly what it is he/she want them to do and why because he/she might genuinely busy or is it just something that he/she does not want to do. Hole.J, (2005) point out that as long as he/she asks the other member of staff in a courteous manner and stick to the rules, there will be few problems. However, there may always be someone who has the potential to react in a negative way to his/her request. These people are often known for this type of behaviour and it should be dealt with swiftly by the manager. This type of reaction experience should be discussed with the member of staff or if he/she not feels confident enough to do this, he/she should talk to the manager. As mention above this will be a difficult skill for a newly qualified nurse especially at first. They will need to get to know the other staff before they will feel truly comfortable delegating to others in the team. They may feel guilty about asking others to do tasks which they feel that they should be doing themselves. What they need to realise is that they cannot possibly do everything themselves and that they will need to work as a team in order to deliver good patient care. The new qualified nurses may well feel that they cannot ask others especially HCAs who have worked on the ward for years to do things for them. The nurse will probably feel self-conscious and embarrassed. The answer is that it is not what the nurse asks them to do that are important. It is how he/she asks them. Good communication is the key to successful delegation. The nurse should take a few minutes to discuss with the HCA/student with whom he/she is working who will be doing what during that shift. Share the workload and be realistic. Therefore the newly qualified nurses must not overload themselves with care they do not really think they can give. The member of staff would rather know what their workload is at the beginning of the shift so that they can organise their time effectively. If the delegator has to ask them to take on extra work during the shift, they will find this difficult Ellis, J.R. and Hartley, C.L, (2005). So the delegator should keep communicating with them during the shift, and if he/she is held up with relatives or an acutely ill patient, he/she should tell them and explain that he/she will try to help them as soon as possible. According to Hole.J, (2005) when the new qualified nurses are delegating, it is important to ensure that this is appropriate as it is their responsibility to ensure that the member of staff to whom they delegate is competent to perform the task. This means that if they delegate a task to a member of staff who is not competent and they perform the task wrongly, they are accountable for the harm caused to the patient. Although the member of staff responsible, they remain accountable. For example, they cannot assume that the HCA/student with whom they are working is competent in the skill of measuring and recording a patients blood pressure. Just because the member of staff has worked on that ward for a period of time, this does not mean that they have been taught correctly. They must assess their competence to perform the task before they allow them to do this independently. They can then justify their delegation of that skill if necessary. A Patient Group Direction (PGD) is a written instruction for the supply and/or administration of a licensed medicine (medicines) in an identified clinical situation signed by a doctor or a dentist and pharmacist. It applies to a group of patients who may not be individually identified before presenting for treatment NPC (2009), page 11. In simple terms, a PGD is the supply and/or administration of a specified medicine or medicines by named authorised health professionals for a group of patients requiring treatment for the condition described in the PGD. Conversely the health professional must be registered. RCN (2004) state that implementing PGDs may be appropriate both in circumstances where groups of patients may not have been previously identified for example, minor injuries and first contact services and in services where assessment and treatment follows a clearly predictable pattern such as immunisation, family planning and so on. Professionals using a PGD must be registered or equivalent members of their profession and act within their appropriate code of professional conduct. This differs from supplementary prescribers and independent prescribers who must also successfully complete specific prescribing training and be appropriately registered before they may prescribe. However, organisations using PGDs must designate an appropriate person within the organisation. For example, a clinical supervisor, line manager or General Practitioner to ensure that only fully competent, qualified and trained healthcare professionals use PGDs. Individual practitioners using a PGD must be named NP C (2009). A Patient Group Direction allows specified registered health care professionals to supply or administer a medicine directly to a patient with an identified clinical condition without him/her necessarily seeing a prescriber. For example, patients may present directly to health care professionals using PGDs in their services without seeing a doctor. Alternatively, the patient may have been referred by a doctor to another service. Whichever way the patient presents, the healthcare professional who works under the PGD is responsible for assessing the patient to ensure that patient fits the criteria set out in the PGD. In general, a PGD is not meant to be a long-term means of managing a patients clinical condition. This is best achieved by a health care professional prescribing for an individual patient on a one-to-one basis NPC (2009). The use of PGDs is widespread throughout the NHS and since April 2003, some non-NHS organisations have been able to use them suggested by NPC (2009). Organisations must ensure that staff responsible for the development / implementation of PGDs and those authorised to work under PGDs have the experience, knowledge and skills necessary to do so. However, different supplementary prescribers, nurse independent prescribers and healthcare professionals using PGDs do not have to become specifically qualified to do so. Alternatively, they must be assessed by their organisations as fully competent, qualified and trained to operate within a PGD. A suitably competent and experienced health care professional who will be working under the PGD should be involved in the writing of the PGD to ensure that the PGD meets the needs of the service. NPC (2009) suggests that there is no specific national training for healthcare professionals producing PGDs. Therefore, the role by RCN (2004) for nurse proposes that the registered nurse must be assessed as competent in medicines administration, must be trained to operate within a PGD and must follow the 6 Rs of medicines administration. Also In order to work under the PGD, register nurses need to be qualified for at least 6 months. They must assess the patients to ensure they fit the criteria as detailed in the PGD as well as ensuring the PGD meets the necessary legal requirements. Importantly, the supplying/dispensing or administration stage cannot delegate to another registered nurse or student nurse. The newly qualified nurses are not expected to be able to operate under a PGD until competent in medicines administration. However, they need to have knowledge of PGDs for their patient safety. For example, if patient under PGD admitted to the ward, the nurse must ensure that the medicines not stopped. The NMC (2010) code of conduct outline that newly qualified nurses to be fully understood all methods of supplying medicines. This includes Medicines Act exemptions, patient group directions (PGDs), clinical management plans and other forms of prescribing. They are expected to demonstrate knowledge and application of the principles required for safe and effective supply and administration via a patient group direction including an understanding of role and accountability. And also demonstrate how to supply and administer via a patient group direction. The newly qualified nurses may be involved with PGDs such as assisting and identifying areas where a PGD would offer more benefits than a PSD, understand the principles and processes of PGDs and be fully conversant with all the principles associated with dispensing and administering medicines they may also be working in a variety of settings where PGDs are used for example prison health care setting, nurse led service, walk in centres In my conclusion, I have learnt the roles and responsibilities of newly qualified nurses and I have developed skills and professional knowledge to work effectively with others. The Patient Group Direction helped me how the laws and policies are set up to ensure safe and effective delivery of care given to service users under a patient group direction. I am now prepared for the challenges I will face on being a newly qualified nurse by providing the knowledge and skills required to become effective and accountable practitioners. Clinical decisions will still have to be made in relation to meeting the needs of the people within my care. However, becoming a qualified nurse brings with its wider responsibilities in making and taking decisions related to the nursing team, other staff, and the work environment as a whole. These changes require a large shift from the experience of being a student and a mentored supervised learner, so it is essential that I am equipped with all the skills re quired to successfully make the transition.

Emerging Issues In Financial Management And Risk Management Finance Essay

Emerging Issues In Financial Management And Risk Management Finance Essay Housing Development Finance Corporation Limited or HDFC founded 1977 by Ravi Maurya and Hasmukhbhai Parekh, is an Indian NBFC, focusing on home mortgages. HDFCs distribution network spans 243 outlets that include 49 offices of HDFCs distribution company, HDFC Sales Private Limited. In addition, HDFC covers over 90 locations through its outreach programmers. HDFCs marketing efforts continue to be concentrated on developing a stronger distribution network. Helping Indians experience the joy of home ownership. The road to success is a tough and challenging journey in the dark where only obstacles light the path. However, success on a terrain like this is not without a solution. Our objective, from the beginning, has been to enhance residential housing stock and promote home ownership. Now, our offerings range from hassle-free home loans and deposit products, to property related services and a training facility. We also offer specialized financial services to our customer base through partnerships with some of the best financial institutions worldwide. TYPES OF RISK FACED BY THE NBFCs These are the risks that face: 1.Operational Risk:- An operational risk is a risk arising from execution of a companys business functions. As such, it is a very broad concept including e.g. fraud risks, legal risks, physical or environmental risks, etc. The term operational risk is most commonly found in risk management programs of financial institutions that must organize their risk management program according to Basel II. In Basel II, risk management is divided into credit, market, liquidity and operational risk management. The following lists the official Basel II defined event types with some examples for each category: Internal Fraud External Fraud Employment Practices and Workplace Clients, Products, Business Practice Damage to Physical Business Disruption Systems Failures Execution, Delivery, Process Management 2. Market Risk:- The day-to-day potential for an investor to experience losses from fluctuations in securities prices. This risk cannot be diversified away. Also referred to as systematic risk. The beta of a stock is a measure of how much market risk a stock faces. Market risk includes:- Interest rate risk Foreign exchange risk Equity price risk Commodity risk 3. Financial Risk:- The risk that a company  will not have  adequate  cash flow to  meet financial obligations. Financial risk is normally any risk associated with any form of financing. Risk is probability of unfavorable condition; in financial sector it is the probability of actual return being less than expected return. There will be uncertainty in every business; the level of uncertainty present is called risk. Financial risk includes:- CAPITAL RISK:- A common concern with any investment is that the initial amount invested may be lost (also known as the capital). This risk is therefore often referred to as capital risk. CURRENCY RISK:- If the invested assets are being held in another currency, there is a risk that currency movements alone may affect the value. This is referred to as currency risk. LIQUIDITY RISK:- Many forms of investment may not be readily salable on the open market (e.g. commercial property) or the market has a small capacity and may therefore take time to sell. Assets that are easily sold are termed liquid: therefore this type of risk is termed liquidity risk. HDFC selects Nt(Neural Technologies) for Risk Management HDFC, one of Indias premiers, today announced that it is using neural predictive models from Neural Technologies for risk management in its Credit Cards and other Retail Assets portfolios. HDFC selected Neural Technologies following a comprehensive proof of concept study, aimed at finding a supplier who could provide them with a superior analytical and scientific approach to reduce the delinquency rates in their credit card and retail assets portfolio. Following selection, Neural Technologies worked alongside HDFCs personnel to develop models for Credit Card Collections, Credit Card Recovery and Retail Assets (Personal Loans) Collections. The models are proving to be very successful. Rajesh Kumar, Sr Vice President of HDFC said We selected Neural Technologies based upon the performance of their models and the predicted return on investment, and we are extremely satisfied with the results achieved so far.HDFC has plans to expand its relationship with Neural Technologies and explore new areas in their business where they might benefit from Nts expertise. Arinjay Jain, Director of Neural Technologies Indian operation said, Neural predictive analytics is an ideal risk management tool, providing valuable decision-support to businesses looking to manage and reduce credit risk and fraud losses. A pioneer in this field among the Indian, HDFC has enthusiastically embraced the concept and is now starting to reap the benefits. We look forward to a long and mutually beneficial relationship between our two companies. MEASURES USED BY HDFC TO CONTROL THE RISK OF NBFCs HDFC India live with SunGards Adaptive Market Risk Indias HDFC has deployed SunGards Adaptive Market Risk technology at its head office in Mumbai to support company treasury operations. SunGard says the system will be used to support HDFCs front-to-back office processing and risk management for: money market, debt securities, foreign exchange and derivatives activities and Basel II compliance. The platform, says SunGard, will also enable the to extend its product coverage by creating new instrument types and integrating new proprietary or third party pricing models. Data model field customization, internal workflow automation via scripting and client-specific analytical ad-hoc reports may also be produced. Sudhir Joshi, treasurer, HDFC comments: adaptive will provide centralized processing out of Mumbai for cross-asset trading, risk management and back-office operations, and will help HDFC to achieve improved processing and operational efficiencies.HDFC becomes SunGards first live adaptive customer in India.

Acid Rain :: essays research papers fc

Acid Rain and its Effects On Our Aquatic Ecosystems In the past century, one of the greatest threats to North America's aquatic ecosystem has been the widespread acidification of hundreds of thousands of waterways. Acid rain has effected plant and animal life within aquatic ecosystems, as well as microbiologic activity by affecting the rates of decomposition and the accumulation of organic matter. What causes this poisonous rain, and what can be done to improve North America's water quality and prevent future catastrophes? To answer these questions, we must first examine the cause and formation of acid rain, as well as understand ways to decrease or prevent its formation. Formation of acid rain. Acid deposition, more commonly known as acid rain, occurs when emissions of sulfur dioxide (SO2) and nitrogen oxides (NOx) react in the atmosphere with water, oxygen, and oxidants to form acidic compounds. This mixture forms a mild solution of sulfuric and nitric acid which then falls to the earth in either wet (rain, snow, sleet or fog) or dry (gas and particles) form. Approximately one-half of the atmosphere's acidity falls back to earth through dry deposition in the form of particles and gases, and are then spread hundreds of miles by winds where they settle on surfaces of buildings, cars, homes, and trees. When acid rain falls, the dry deposited gases and particles are sometimes washed from buildings, trees and other surfaces making the runoff water combine with the acid rain more acidic than the falling acid rain alone. This new combination is referred to as acid deposition. The runoff water is then transported by strong prevailing winds and public sewer systems into lakes and s treams. Although some natural sources such as volcanic eruptions, fire and lightening contribute to the emissions of sulfur dioxide and nitrogen oxides in the atmosphere, more than 90% is the result of human activities such as coal burning, smelting of metals such as zinc, nickel and copper, and the burning of oil, coal and gas in power plants and automobiles. When does rain become acidic? Scientists determine whether rain or lake water is acidic by measuring its pH (the measure of acidity or alkalinity of a solution on a scale of 0 to 14). A value of 7 is considered neutral, whereas values less than 7 are acidic and values over 7 are alkaline or basic. A change of one unit on the pH scale represents a factor of ten in acidity; for example, a solution with a pH of five is ten times as acid as one with a pH of six .

Sherman Alexie: What it means to be an Indian in America Essay

Sherman Alexie: What it means to be an Indian in America â€Å"Dr. Mather, if the Ghost Dance worked, there would be no exceptions. All you white people would disappear. All of you. If those dead Indians came back to life, they wouldn’t crawl into a sweathouse with you. They wouldn‘t smoke the pipe with you. They’d kill you. They’d gut you and eat your heart.† -Marie, Indian Killer, 314 The identity of the modern Native American is not found in simple language or description. Neither does a badge or collection of eagle feathers determine Native American identity. As Alexie demonstrates through the character of Dr. Mather and Wilson, pony-tails and store bought drums are mere materialistic symbols and stereotypes: they have no real value or respect for the history behind a person’s cultural heritage. Hanging out in Indian bars is insufficient. The identity of the Native American is formed in a context of opposition and resistance, of irreversible historical travesty, and of inescapable conflict. Given the complex and lengthy history of U.S. atrocities against the Indians, and the equally violent aggressions of Indians against whites, bloodshed and animosity were the basis original Indian- U.S. relations. The original brutality these relations cannot be underestimated; nor the intricate series of laws and Acts passed throughout the ninteeth and twentieth centur ies for the destruction of Indian culture and heritage. Yet, as Alexie argues, the forces of hatred cannot be exclusively emphasized in determining the identity of the Native American. Indian Killer by Sherman Alexie is a work of humor, an investigation of community identity and family love, as well as a discussion of race and hate. Marie’s speech to the hapless Dr. Mat... ...efers back to Marie’s hostile statement. Although not every Indian feels as Marie and Reggie do, certainly not John Smith in his dream, the ominous metaphor of the owls marks Alexie’s prediction for the future: unless hate can be reconciled, the spirit of murder and blood shed will continue to plague man kind. While the title of the work serves to encompass victims of both white and Indian cultural backgrounds and closes on the image of the ambiguous killer, (could it be Wilson dancing wildly with his store bought cassette tape? Or could it be Reggie living large in his bloody victories?), the content of the novel is a living account of human actions to historical contexts. Alexies’ work is exaggerated beyond reality, to be sure, yet his assessment of Native American identity is intriguing and universal in the story of recovery from human inflicted violence and hate.

Hr Policies of Nestle

HUMAN RESOURCE HR is dedicated to their employees, and ensures that they have all the right people with the right skills, in the right places at the right time. Understanding that their people are the bedrock of all their business strategies, it is their mandate to enhance their skills with cutting-edge training and provide them with world-standard facilities. WHAT THEY BELIEVE IN: They are a people company. Their people are their greatest strength, and nothing can be achieved without their commitment and energy. The Nestle DifferenceAt Nestle you'll find their self in a dynamic and invigorating environment, surrounded by people who are passionate about their work. You'll feel empathized to contribute to the company's business objectives and to achieve their own personal and professional goals. You and their colleagues shape and lead the organization – their energy is its greatest strength. Family ; Female-Friendly Organization: Diversity is central to the nature of their busi ness. As a global organization, Nestle caters to the needs of diverse consumers.This is only possible due to the diverse backgrounds and interests of their people and their firm commitment to embracing diversity at all levels. When they employ staff, they make a commitment to provide them with good working conditions. Female employees and their employees' families know that Nestle Pakistan has a friendly and caring attitude. They recently set up a day-care centre, and have established a comprehensive Maternity Benefits Scheme for their female employees. Total Competitive Remuneration:At Nestle you can be sure you'll get competitive and fair remuneration structures. Their remuneration is benchmarked against other organizations and surveyed on a regular basis to ensure that they remain competitive. Their pay and compensation strategy is tied to the achievement of their business objectives. This linkage helps us define a growth-oriented culture, making us the most preferred employer in the market. The benefits of working at Nestle go beyond the financial. Here, you'll find a structure to help you fulfill their ambitions and support their lives. Read also Analyze the Ways in Which British Imperial PoliciesGrowth: New employees are given responsibility at an early stage, and high performers can develop fast. Their international and multicultural working climate is conducive to creativity, innovation and personal development. And you'll get competitive working conditions, a compensation package and social benefits in line with their company's high standards. Here, you'll get the room to add value and make a real difference. If you're qualified and ready to confront new horizons, you'll have the chance for a truly international career. SAFETY AT WORKNestle is committed to being a leader in workplace safety and health. The Nestle Occupational Health and Safety Management System (NSMS) was revised in line with the 2007 edition of the international standard OHSAS 18001 and reissued to all Nestle operations, reinforcing our commitment that â€Å"Safety is non-negotiable†. They are also working towards external certification of our factories against OHSAS 18001. This will provide a common language around our health and safety management systems, and make it easier to demonstrate implementation of these standards to our stakeholders.The number of workplace injuries has been reduced. For example, in 2007 the number of injuries leading to one or more days away from work in Nestle decreased to almost one quarter of that seen in 2001. RECRUITMENT WHAT THEY LOOK FOR: It takes a special sort of person to come and work at Nestle Pakistan. That's why, when selecting candidates, they look for a set of interrelated characteristics encompassing three key areas: knowledge, personality and motivation. Professional Knowledge: Do you have a great academic record that demonstrates their intelligence, commitment and hard work?Can you show us you have a sharp analytical mind, and the drive necessary to succeed in a competitive environment? If you think you fit the bill, you may be right for Nestle Pakistan. They look for good academic results at university or equivalent qualifications. However, the class of the degree you have obtained, though very important, is not the only criterion for selection. Other experiences during their studies, previous jobs, assignments, language theses and any other significant extracurricular activities and achievements, are also given the right.They look for candidates who can identify a problem, analyze it, look at different options, and come to reasoned conclusions. They want people with drive and tenacity, energy and enthusiasm, who can initiate a project and follow through to the end. All these skills are vital during a career at Nestle Pakistan. Internships: Internships are a great way to apply the knowledge and skills you are developing at university and get experience in a leading corporation.They offer project-based internship positions in various departments at Nestle Pakistan. You may be hired as an intern at various points during their academic career: duri ng undergraduate study or graduate school. Most internship assignments are offered during the summer months and generally run for 6 to 8 weeks. At the end of the internship you will be required to submit a project or program report to the company on the topic assigned to you at the beginning of the internship program.If you impress us with their talent & hard work, you may be considered for employment opportunities after you have completed their studies. Work/Life Balance: At Nestle they believe that the employee’s private and professional life should have a good balance. Not only because it reinforces employee’s satisfaction, loyalty and enhances Productivity but also because it positively reflects on the Company’s reputation. It helps attracting and retaining people and reconciles economical imperatives with they’ll being.Nestle is willing to support employees who wish to take an active part in the life of the community or by assuming responsibilities i n professional, civic, cultural, religious or voluntary organizations it being understood that any activity during working theirs be first approved by the Company. In the same spirit, Nestle provides flexible working Conditions whenever possible and provides its employees to have interests and motivations outside work. Relationship with Suppliers Nestle aims to deal only with reputable suppliers who are willing to apply Nestle quality standards.Supplier relationships are benchmarked and evaluated with the objective of striving for continued improvement in the areas of quality, service, etc. As a relationship between a supplier and Nestle strengthens and progresses, it may evolve into one of preferred supplier status. Key suppliers with which Nestle has a contractual relationship are audited in order to ensure that they comply with the  Nestle  Corporate Business Principles  or that they are working actively to achieve compliance. Whenever instances of non-compliance are brough t to the Company’s attention, Nestle will demand that corrective measures be initiated.Nestle personnel will maintain the highest standards of integrity and professional competence in all business relationships. Sanctions will be applied in the event of misconduct or abuse of established corporate standards and guidelines. PROFESSIONAL DEVELOPMENT: Learning: Learning is part of the Company culture. Each employee, at all levels, is conscious of the need to upgrade continuously her/his knowledge and skills. The willingness to learn is therefore a non-negotiable condition to be employed by Nestle. First and foremost, training is done on-the-job.Guiding and coaching is part of the responsibility of each manager and it is crucial to make each one progress in her/his position. When formal training programs are organized they should be purpose oriented and designed to improve relevant skills and competencies. Therefore they are proposed in the framework of individual development pro grams. As a consequence, Attending: A program should never be considered as a reward. Adequate training programs are developed at the level of each operating company capitalizing on the availability of local, regional or global resource of the Group.It is the responsibility of HR staff to assist the management in the elaboration of training programs. Great importance will be attached to programs enhancing the language skills of the employees. Training programs organized at the International Training Centre Rive-Reine aim at developing and sharing best practices of the various management disciplines practiced in the Group. They also strive to strengthen corporate cohesion as they’ll as to promote networking throughout the Group. Training programs should, as much as possible, be based on action learning and reduce ex-cathedra teaching to the strict minimum.It is necessary to make optimal use of e-learning programs as a complement to or a substitute for formal training programs. According to needs they should be made available at shop floor level and enlarge the access to training. It is the role of each manager to assess progress achieved as a result of training Programs. Assessing and Developing each employee is in charge of her/his own professional development. However, the Company endeavors to offer the opportunity to progress for those having the determination and the potential to develop their capabilities.

Ibm- Overcome the Stress of Can’t Take Off

How might IBM go about improving its flexible vacation policy to help alleviate some of the stress experience by employees who feel like they can’t take time off? The flexible vacation policy is aim to give employees the option to take limitless days off creates a better work environment. Employees have the autonomy to manage their own workload and take vacation, sick or personal days whenever they need to and for as long as they need. There is no unused time at the end of the year, there is no carry forward into the next year, and there is no payout of accrued days when the employment relationship ends.Flexible vacation policy can increase the productivity since the employee can choose the where the location they doing their job and when they are doing, these can lead employees more willing to contribute to the organization if they felt their working environment is comfortable. Otherwise, the traditional vacation policy allocates a specific number of vacation, sickness, and p ersonal days to each employee depending on length of time at the company. Sometimes employees are able to carry over a certain portion of unused vacation time into a new year or they can sell back their unused days to the company.To tracking these days off using costly and time consuming accounting and administration methods. Now there are many companies using flexible vacation policy, such as Netflix, IBM, or Morningstar. Since 2003, IBM had flexible vacation time for every employee. People who work for the company simply give their supervisors a heads up, but otherwise, take time off when they want it. Instead of tracking the hours of employees work, the electronics company has implemented what it calls a â€Å"results only work environment,† where workers are measured on achievement alone.Although flexibility vacation policy can be benefits to the organization, supervisor and employee, flexible work arrangements but it also pose a series of challenges and disadvantages. Th e stresses experienced by employees who feel like they can’t take time off mostly due to the ongoing project which in on hand, and many colleague taking time off all the same time. These are the two reasons always caused discontented happened in an organization. To deal with these problems IBM trying out a new vacation policy, in which fixed vacation rules are replaced by informal agreements between employees and their immediate supervisor.The guiding principle is that the work must get done. As long as this is the case, employees can take as much vacation as they want, even on short notice. Avoid ruining the beautiful vacation by being call back during the vacation it is better to hand over or replace the job to someone or make sure the task is fully completed before the holiday tune is on. To make this policy going on effectively that is needed the cooperation of all employees because supervisor concerns about equity.Supervisors worry about being fair to employees when they know everyone can’t have flexibility. The key is making sure that the process is the same that every employee’s request is fairly considered, even though the outcome may vary. The present of technology in flexible vacation policy may help IBM to overcome the problem of having many colleagues taking vacation at the same time. IBM can create a page for all IBM’s workers-the management information system, to update the newest information and the vacation date employees wanted or planning to take off.Management of information system is any organized of people, hardware, software, communication networks, data resources and policies and procedures that store, retrieves, transforms and disseminates information in an organization. The system can reduce the chance of error occur, such as forgot to inform their head or supervisor, clash date with colleagues vacation date and so on. To manage this page is needed a person to in charge, to allocate employees leave or vacati on based on the system data which updated by employees. Even there is flexible vacation policy but still need some workforce to carry on the organization activities.Besides that, the communications between organization, supervisor and employee also can reduce the imbalance emotion of the workforce because of they can’t take time off. Annual or semi-annually meeting or a gathering for all workers should be maintain even because of the technology’s reach can provide non specific location for workers to contact with their supervisor or head via computer or cell phone by using video conference, e-mail, mms and so on, but a face-to-face meeting can brings a lot of advantages sometimes. It can avoid conflict happened by using text conversation, it can shows the sincerity and so on.No matter how flexible the vacation policy is, the contraction between all stages of workforce should be maintain and fix in a time. Example, a general meeting of every department in held on every second week of the month, it is the chance for each department head to meet their workforce and share the newest information in between them. Other than that, company should organize two or more person work in a team so that if one of the member who take day off, there is another person who will replace the position, it can reduce the cases of calling back the worker who is on vacation.Synergy always can make task to be more efficiency and done with more effectively. If use this way, it brings a lot of advantages. First of all, colleague of the member who is on vacation can response on the continuing job which can save more time and money. Second, it can increase the satisfaction of workers inside the company because they can get their happiness vacation without the obstruction of the job. Grouping work can also increase the effectiveness and efficiency. †¢ Resisting change.Whether it’s the labor shortage, or labor mismatch, the brain drain, the traffic, the new demograp hics, or technology, there are many profound and reasonable reasons to change the way we work. Being proactive in the face of change is much better than being reactive in this fast-paced business environment. Fears of abuse. There are some employees who may take advantage of their work situation, no matter what the policy. As one supervisor put it, â€Å"There are always a few bad apples. They have to be dealt with.It’s much better to manage for the good apples. † If employees are well managed, abuses will be kept to a minimum whether the employee works on a flexible arrangement or not. †¢ Skeletons in the closet. Just because flexibility was tried with one employee in the past and didn’t work doesn’t mean that the same outcome is inevitable if it is tried again—especially if the individual is well matched with the flexible arrangement. Mistakes can be used as important tools in making improvements. It takes more time to manage. Interviews wit h managers at JPMorgan Chase who supervise employees using some flexible work arrangement reveal far fewer problems than managers anticipated: 95 percent of managers say it does not require more time to manage people on flexible arrangements; 88 percent of managers who are managing employees on flexible work arrangements report no negative impact on their ability to supervise; and 66 percent say managing flexible work arrangements enhanced their management skills.

MRP II: Inventory Management

While MRP I primarily address the inbound flow of inventory (materials management), MRP II adds other interfaces such as finance, marketing, and integrated logistics. Like MRP I, MRP II is a push inventory model which pushes product through manufacturing and distribution processes in order to meet forecast demand. However, it adds further dimensions to the basic model. MRP II not only considers the inbound flow of material, but also how much material can actually be handle within the plant. Furthermore, it actually handles production scheduling, labour needs, inventory budgets, and personnel needs. But the most important feature is the addition of the finance interface. This module provides the capability of transforming the operating production plans into financial terms, consequently the data can be used for financial planning and control purposes of a more general management nature. Another significant addition is the simulation module. This simulation capability enables management to perform a more comprehensive alternative planing work in developing the marketing and business plans. Operating variable could be regulated to examine the systemwide response to the proposed operating change. Besides MRP II includes the entire set of activities involved in the planning and control of production operations. It consists of a variety of functions of modules and includes production planing, resource requirement planning, master production scheduling, materials requirements planning (MRP I), shop floor control, and purchasing. Step 1 – Market Demand; the process begins with an aggregation demand from all sources. Examples of sources are firms† orders, forecasts, and safety stock requirements. Step 2- Production Plan; with inputs from manufacturing, finance, and marketing, the production plan would be derived. Step 3- Rough-cut capacity planning; it involves short-term capacity considerations that are affected by irregularities in demand. It formulates benchmarks for the proper use of personnel, machines, and shifts. Bills of capacity and bills of labour resources are the primary inputs to determine rough-cut capacity. In the event of incapability in producing the require output (due to limitation of capacity), adjustment to the production plan would be made. Step 4- Master production schedule; formulation of the master production schedules provides a realistic, detailed, statement of what the firm expects. It is more detail than the aggregate plan, it translates the aggregate plan into specific numbers of specific products to be produced in a specific period of time. Step 5- Material requirements planning (MRP); MRP is the heart of the entire process (MRP II). When MRP comes into play, material and schedule requirements would be generated. Step 6- Capacity requirements planning; at this stage, the capacity requirement planning determine whether the firm has enough capacity (e.g. worker, space, money) to meet the schedules. Again, if schedules could not be met, some adjustment in the master production schedule would be required else requirements would be scheduled. – Improved consistency in one-time customer delivery – Reduction in purchasing cost due to fewer expedited shipments – Inventory reduction of one-fourth to one-third (cost reduced) – Improve responsiveness to demand changes – Allowing more planning flexibility – Minimization of workforce overtime Problems in Implementation of MRP II Implementation an MRP II system is a monumental effort. The system requires a tremendous amount of information, which must be accurate if the system is to be successful. The MRP II systems is capable of affecting all function within Forges†s marketing, production, purchasing, accounting, finance and logistic. All personnel who have any interaction with the MRP II system require training. Further, Forges must be committed to make the MRP II system work. The problems that occur in implementing MRP are frequently organizational and behavioral rather than technical. Existing Systems and the Informal System If an MRP II system is replacing an existing production and inventory control system, Forges may see significant resistance to change, even if the existing system has been unsatisfactory. People generally resist to change, and they prefer the familiar to the unfamiliar. Also, when a system performs poorly, an informal system develops to deal with problems. For MRP II to operate effectively, the company must have a large amount of timely and accurate data. Besides, bill of material must be developed for all items. Furthermore, all the bill of material (BOM) must be reviewed, updated, and structured that provide the data needed by MRP II. This would not be a simple task. Frequency product changes and modification can make the process of developing a BOM challenging. To maintain the integrity of the BOM, the company must practice effective configuration control, that is, the company must control and coordinate changes to its products to ensure a smooth changeover to new product designs. After a system is installed, careful attention and discipline must be exercised to ensure at all data used by the system is accurate. For example, if a clerk is supposed to enter a code 3, indicating that the item is purchase in thousands, but instead enters code 1, indicating that it is purchase in dozens, serious error and material shortages are likely to occur. If a system gives erroneous data at times, people may develop other way to get the data they need and may no longer bother to update the system, since they no longer use it. The system could then become even less reliable and be a burden rather then a benefit. All MRP II data must be accurate to ensure system integrity, but the inventory data are the most difficult to maintain because they change frequency. The MRP II inventory data must be compared periodically with the actual physical inventory to maintain accuracy. Periodic counting involves more than just counting parts. Forges must maintain proper housekeeping so that parts are properly located, accessible and identified. When implementing MRP II for the first time, getting inventory under control can be a formidable task. Top-level managers and managers are in all parts of the organization that will be affected by MRP must clearly recognize all the efforts needed to achieve this new way of managing their activities. These mangers must fully support all the changes and must remain supportive of the new system. The participation of users of the system in its development will make the people more familiar with the system. Besides, they would also be more committed as they play a part in the system†s development. For the system to work, the entire user would have to be properly trained. Users must understand the system in order to used it effectively. A well-designed MRP system could help to improve a company†s operation greatly, however a poorly designed can lead a company into deep trouble. Wallace†s Proven Path for MRP Implementation According to Thomas Wallace, an MRP II expert, the implementation could be completed in 18 months. 12 months for implementing MRP, 3 months to â€Å"close the loop,† and three more months to implement MRP II. Figure above is a graphic representation of the implementation timetable. The process starts with first-cut education follows by developing a consensus that the company should implement MRP. Next, the education and training phase will begin and it is an ongoing activity even after implementation. By the second month, inventory accuracy and bill of material accuracy and structure will begin, they are the most time and labour consuming step. In the mid of the third month, production planning and MPS policies together with the system and software participation would start. By the eighth month, the first pilot program would commence. Subsequently the cutover phase would start. By the end of the twelveth month, the implementing of the basic MRP would be completed. The next three-month is for closing the MRP loop which encompass shop-floor control, capacity requirement planning and purchasing. Routings, work centers and system preparation will commence simultaneously. Once finished, another pilot program will commence follows by the cutover program. By the end of the fifteenth month, the MRP loop would be closed.