Wednesday, November 27, 2019

5 parts of the run free essay sample

1. scene survey/ ABCDE’s A. scene survey a. location b. clues at scene c. weather d. time of day e. patient position f. determine MOI or nature of illness g. consider back up h. Anything about the patient that jumps out at you! i. Age, sex/Wt. Walk up to patient introduce yourself and check for pulse. Determine the C/C B. ABCDE’s   C-spine if any suspected trauma or injuries r/o later if not needed a. Airway-determine if the airway is open if closed open with head tilt chin lift or in trauma jaw trust maneuver. If the patient is alert and responsive the airway is patent. Assess, intervene, reassess b. Breathing- determines if breathing is adequate or inadequate (lung sounds, O2 sat). Asses breathing by looking listening and feeling for amount of air in/out (tidal volume, place hand on chest) and the rate of breathing. Look for any obvious signs such as JVD, apnea, nasal flaring, trachea tugging, outside the rate 8-24 adult and unequal movement. We will write a custom essay sample on 5 parts of the run or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page If adequate o2 therapy if not BVM. Assess, intervene, reassess. c. Circulation-pulse; assess if there is a pulse or no pulse if no pulse in wrist (80mmHg) go to brachial (70mmHg) then carotid (60mmHg) determine the regularity and strength(EKG), possible major bleeding; control any arterial bleeding or venous bleeding by placing gloved hand and then getting pressure dressing, skin color: assessing color, temperature and condition, capillary refill (immediate2sec).assess, intervene, reassess d. Disability- alert and orientation use AVPU or BRIM or Glasgow coma scale. What, where, when, how it occurred, recall event (AOX4), events leading to injury. Causes of ALOC AEIOUTIPS, e. Expose, Examine, Environment- expose any life threating injuries or pertinent negatives (chest pain expose chest, abdominal pain expose abdomen etc)  examine for pertinent negatives (intercostals muscle use, abdominal rigidity, guarding, JVD etc†¦) consider environment affecting patient( cold dangerous etc..) Consider status of patient: Mild (0to1 sign and symptom, moderate 2to3 signs and symptoms, acute 3 or more signs and symptoms) General impression and transport decision split with partner here. 2. Investigation of C/C chief complaint: Medical Trauma or ALOC, language barrier OnsetBreathing tidal volume, effectiveness ProvokedResponse (person, place, time, event) QualityI eyes (PERL) Radiation, relief, reoccurrence, regionMotor sensation (MAEX4) SeverityChest (pertinent negatives) TimeAbdomen (pertinent negatives) Cap Refill (immediate or delayed) May have to do Y/N questions. Follow up with bystanders Special questions when find pertinent negatives (physical findings) 3. Paramedic Vitals/signs Pulse LOC Respirations Lungs Sounds O2 SaturationSugar Blood PressureSkins EyesTemp EKG Prioritize vitals Marry vitals to C/C (lung sounds, respirations, O2 Sat) Always do first set If done in initial assessment do again! Act on abnormal vitals Consider specialize vitals Orthostatic (lying flat, sitting up, standing) 4. Focused history and physical exam, special questions( narrow down C/C): Complete Head to toe (secondary) or a rapid trauma assessment (for patients with ALOC or significant MOI, or critical findings in Initial assessment and for unknown injuries suspected) Focused trauma assessment(focused on injury site, for No MOI, no multiple injuries, No ALOC, No critical findings on initial assessment) same for medical either focused or rapid medical(head to toe) Obtain Sample (use team effort radio person can obtain) special questions with pertinent negatives (JVD, intercostal muscle use are you have chest pain with SOB etc)

Saturday, November 23, 2019

Online Business Issues

Online Business Issues Big Data and eBusiness Relevance Nowadays, more people get to know the term Big Data and try to understand its essence and make use of it to benefit in the chosen activities. According to Yin, Jiang, Lin, Luo, and Liu (2014), Big Data makes it possible to open a new era of science and human abilities to discover it through data-driven computing.  Many scientists and researchers offer their ideas on how to develop the Big Data paradigm and why people need pay more attention to this concept.Advertising We will write a custom report sample on Online Business Issues specifically for you for only $16.05 $11/page Learn More For example, Jao (2014), the CEO of one of the retention automation platform for eCommerce, admits that Big Data is beneficial from a variety of perspectives: it helps to improve business, choose the best advertising, decide on the marketing strategies, control customer retention, etc. It is hard to imagine the world of eBusiness, and eCommer ce in particular, without Big Data. Its impact remains to be huge, and the following examples can prove its urgency.  First of all, the organisation of information can be facilitated. For a long period, different companies have been challenged to collect, save, and keep data from different sources at one place. It was necessary to spend much time analysing each piece of the source chosen. Big Data helps to extract a certain value from data given (Nwokpoku 2015). People, who are involved in eBusiness, win a lot with Big Data concept due to the existing relevance by means of which people can combine data from browsers, social media, and different records and underline those ideas that become more important.  Secondly, Big Data provides business people with an opportunity to make decisions that are more informed and data-driven. The key features of this concept are variability, velocity, variety, and value (Gandomi Haider 2014). They show that each piece of information is a powerf ul combination of different credible facts that may touch upon different spheres of life and help people make fast and properly-grounded decisions. Such ability is necessary for the world of eBusiness; therefore, this relevance cannot be neglected in the analysis. Thirdly, the personalisation of information becomes possible with Big Data. Though some people may think that such general concept with a variety of sources can hardly promote privacy or similar issues, Big Data is created to help sellers observe the changes of users’/consumers’ behaviour and make the necessary connections to realise what can be done more to achieve more efficient results. Finally, it is wrong to believe that Big Data and eBusiness relevance is only about some positive aspects. All people, who are going to use it, should remember that Big Data is a complex mechanism that can work only for those, who know how to use it, when to stop or change a direction, and how to make the correct solutions. Big Data, as well as eCommerce, is a big world of information from different regions. It is so hard to get lost, and people should be ready for any challenge.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More How to handle Big Data for a company As Chief Information Officer (CIO), I want to underline that it is not an easy task to handle Bib Data for any company. Each manager has to be ready to learn a lot and improve personal knowledge constantly because the majority of technical errors happen because of people, who make mistakes, not because of some technological glitches. I want to underline that Big Data should be treated in two different ways: on the one hand, it is a marketing term that involve people, their needs, interests, and offers; on the other hand, it is a technical term because it depends on technologies and the way they can work.  To benefit from Big Data, it is important to pay more attention to a company’s informative lifecycle process. It is not enough to check the quality of information; it is necessary to consider the insights and criticise them on a professional level. The company should have powerful leaders, who can set the goals clearly, choose the most talented managers, who can organise the work with information, and underline the importance of a company as a whole because Big Data is for a team not for one person (McAfee Brynjolfsson 2012). Impact of the Internet on Porter’s 5 Forces Model The sphere of eBusiness undergoes considerable changes because of the Internet and people’s burning desire to use it all the time. Still, the changes are not always positive. The Internet is one of the most unpredictable inventions on the earth, and it is hard to guess if it is a chance or a challenge. As many business models and strategies, Porter’s model undergoes certain changes as soon as the Internet spreads i ts power over people. Though Karagiannopoulos, Georgopoulos, and Nikolopoulos (2005) found out that the Internet did not promote significant changes, and this traditional model can be used for the examination of business and its peculiarities. Porter’s model is a powerful attempt to analyse the world of business with its threats of entrants and substitutes, power of buyers and suppliers, and rivalry that has been developing during a considerable period (Hax 2009). It helps to understand if the company is profitable enough for competitions and investments. The modern world of business depends on how its people can use Porter’s model and choose the most appropriate ways to succeed. At the same time, the modern eBusiness world has been dramatically changed because of the Internet and the opportunities available. Therefore, the impact of the Internet on the Five Competitive Forces remains to be crucial and cannot be controlled by those, who know a little about actual abili ties of the Internet.Advertising We will write a custom report sample on Online Business Issues specifically for you for only $16.05 $11/page Learn More All business students are provided with knowledge about the Internet’s direct impact on business. Though students spend much time learning and analysing the current opportunities and technological progress, they cannot understand how exactly this issue defines the quality of all work done. Not all business people are ready to compare the possibilities of the past with the possibilities of the future to make the correct decision today. Porter’s model is about the analysis, and if the Internet changes the compositions of the analysis, it will change the essence of the analysis itself. It is wrong to believe that no dramatic changes can happen to the model. It is inappropriate to believe that the change of one aspect can lead to the change of another aspect. It may happen that the Internet can in fluence the bargaining power of buyers or substitutes and has nothing to offer to change the threats of entry. Therefore, the analysis of each dimension is necessary. How the Internet Changes the Game The Internet has enough powers to impact business games modern people are so eager to play day by day and promote economic benefits (Bernard Souza 2009). Even if people do not want to agree with the fact that they are the players that can win or lose one day, all business people want to use their thinking abilities and chances to achieve more (Werbach Hunter 2012). Each dimension of Porter’s model changes because of the power of the Internet to business. The bargaining power of customers and buyers may be considerably increased due to a variety of information available through the Internet. The threat of new entrants and substitute products may be also changed, still, it is hard to predict what kind of changes can be. On the one hand, it is easier to enter a new market with th e Internet because there is no necessity to open a real store or business centre or something else (Morais, Pires, Moreira 2012). It is enough to create a captivating site and make people learn about their possibilities for the services offered. On the other hand, people can get access to many e-business companies that can offer the same services at more reasonable prices. Therefore, the level of substitutes and abilities of business players can be dramatic for each other. The peculiar feature of the Internet is its ability to create unexpected outcomes and influence the whole system in the most unpredictable way. And if Porter’s model has been always about something that is expected and can be explained, it cannot stay this way because of the Internet opportunities for people, who develop e-business.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The rivalry achieves a new stage because of the Internet as well. People have to think how to spread their services and offers globally. It is not enough to achieve some local benefits. It is more important to inform as many people as possible to underline the urgency and success of the chosen business. Reference List Bernard, RRS Souza, MP 2009, ‘Dominance in online business games competitions’, Developments in Business Simulation and Experiential Learning, 36, pp. 287-294. Gandomi, A Haider, M 2014, ‘Beyond the hype: big data concepts, methods, and analytics’, International Journal of Information Management, vol. 35, pp. 134-144. Hax, AC 2009, The Delta model: reinventing your business strategy, Springer Science Business Media, Cambridge, MA. Jao, J 2014, ‘Why big data is a must in ecommerce’, The Big Data Landscape. Web. Karagiannopoulos, G.D., Georgopoulos, N. and Nikolopoulos, K 2005, ‘Fathoming Porters five forces model in the in ternet era’, Info, vol. 7, no. 6, pp. 66 – 76. McAfee, A Brynjolfsson, E 2012, ‘Big Data: the management revolution’, Harvard Business Review. Web. Morais, EP, Pires, JA, Moreira, R 2012, ‘E-business maturity: constraints associated with their evolution’, Journal of Organizational Computing and Electronic Commerce, vol. 22, no. 3, pp. 280-300. Nwokpoku, J 2015, ‘Big data: driving e-business through open access’, Vanguard. Web. Werbach, K Hunter, D 2012, For the win: how game thinking can revolutionize your business, Wharton Digital Press, Philadelphia, PA. Yin, H, Jiang, Y, Luo, Y, Liu, Y 2014, ‘Big data: transforming the design philosophy of future internet’, IEEE Network Magazine, vol. 28, no. 4, pp. 14-19.

Thursday, November 21, 2019

The major operating system and network you are using on a daily basis Essay

The major operating system and network you are using on a daily basis - Essay Example First a cable based on CAT6a ( Able Infrastructure Solutions, n.d.) 1 Gbps switched network. The Second is an 802.11n wireless (Wi-Fi) network. Both networks are configured with Transmission Control Protocol (TCP) and the Internet Protocol (IP) (TCP/IP), Internet Protocol Version 4 (IPV4). (Brookshear, et al., 2011) The operating system and network are adequately designed and developed to perform their tasks in our environment. †¢ Windows OS allows for quick develop of wide and varied multithread applications. Ability to support a wide variety of hardware devices through device drivers is important in a hospital setting as is an interactive user experience through use of a GUI interface. †¢ Combining a star and bus network topology creates a scalable network, with the ability to maintain a requirement for low amounts of down time encase of failure of devices. (Brookshear, et al., 2011) The advantages outweigh and disadvantages the Windows OS bring can be summarised as: †¢ The advantages are outweigh such as quicker support for newer hardware, vendors availability of readymade applications and varied devices available that work with Windows vs. other OS’s (MNS Group, 2012) †¢ Ability to be adapted and access to a wide support knowledge base to fix problems or issues A few highlighted disadvantages to the Windows OS are: †¢ Vulnerability to frequent virus or security attacks. Microsoft does offer regular security updates to protect against vulnerabilities. †¢ Closed source single source for procuring creates high acquisition cost for this OS. †¢ Variable hardware implementation compatibilities can create high support workload (RJ Systems, 2010) (Stallings, 2005)

Wednesday, November 20, 2019

Summarise the main criticisms that Jane Jacobs levelled at urban Essay

Summarise the main criticisms that Jane Jacobs levelled at urban planning thought at the beginning of the 1960s, and discuss whether her criticisms are still relevant to planners today - Essay Example Jane Jacobs was particularly active in her role against the surge of urban renewal politics that emerged in the past-war period. She was of the view that modernist urban renewal measures destroyed cities rather than improving the social and economical conditions that needed to be addressed. In the post-war period, that is the period after the Second World War, there arose a need for the redevelopment of bombed cities. It was decided to rebuild them on an organized framework and proper planning. However, there arose many criticisms to the approach adopted by architects and engineers. The critique that Jacobs leveled at the renewal plan was normative in nature, emphasizing on the values of the planning rather than the physical design. One of her significant contributions is her perception of cities as â€Å"problems of organized complexity,† which entail â€Å"dealing simultaneously with a sizeable number of factors which are interrelated into an organic whole† (Jacobs 1992). One of the criticisms that Jacobs put across was the ideology of utopian comprehensiveness. In plan cities effectively and sustain the development plans, Jacobs saw the need to have an acute understanding of the way cities function. If city planners did not understand the lifestyles and needs of the residents, they would not be able to devise a plan that incorporated the needs of the community. Therefore she rejected the ideal models that emerged during post-war planning of towns and cities. According to Jacobs, Howard’s garden city model, and Le Corbusier’s vision of the city of the future and his radiant city did not explicitly illustrate a framework that fulfilled of the needs of the community and led to a more functional urban setting. Her argument was that modern city planners had little insight into the functioning of cities, their models can not

Sunday, November 17, 2019

Morality as Anti-Nature Essay Example for Free

Morality as Anti-Nature Essay Friedrich Nietzsche stands as one of the philosophers who tackled about the complexities of human existence and its condition. It is noteworthy to state that most of his works made several standpoints to what he refers to as the Ubermensch. The conception of such is designed to inspire the individual to substantiate his existence and rouse his self-overcoming and affirmative character. This can be said to arise from the idea of creating a self through the process of undergoing a destructive condition that enables the self to acquire greater power in relation to others. The development of such a self is dependent upon the recognition of the anti-naturalistic character of morality which he discusses in The Twilight of the Idols in the section entitled â€Å"Morality as Anti-Nature†. Within the aforementioned text, Nietzsche argues that morality hinders the individual from experiencing life as it limits an individual’s freewill thereby in the process leading to the creation of an individual who is incapable of life itself. He states, morality is a â€Å"revolt against life† (2006, p. 467). It is a revolt against life as it is based on the negation of an individual’s basic instinct to act freely in accordance to his passions. According to Nietzsche, this is evident in the case of Christian morality which places emphasis on the control of the passions. Within Christian morality, an individual who is incapable of controlling his passions is considered to be immoral as he is incapable of practicing restraint upon himself. Examples of this are evident if one considers that within Christian morality, to be saintly requires restraining one’s desires and hence one can only follow the path of Christ if one denies all of his desires, the denial of which involves the denial of all worldly things. He states, within the context of this morality â€Å"disciplining†¦has put the emphasis throughout the ages on eradication†¦but attacking the passions at the root means attacking life at the root: the practice of the church is inimical to life (Nietzsche, 2006, p. 66). The practice of the church, its imposition of morality contradicts the essence of life which is the actualization of an individual’s self since it delimits an individual to one particular kind of existence. For example, Christian morality has the Ten Commandments. If an individual follows these commandments, the individual’s spiritual life is ensured in the afterworld. Nietzsche argues that by following these commandments, the individual is at once delimited to one particular form of existence. This does not necessarily mean that Nietzsche applauds acts of murder; he is merely stating that by following moral rules and moral norms the individual is at once preventing himself from the experiencing a particular form of life and hence the actuality of life itself. It is important to note that by presenting a criticism of Christian moral values and moral values in general, Nietzsche does not necessarily prescribe an individual to follow his moral code. In fact one might state that Nietzsche does not possess a moral code. He states, Whenever we speak of values, we speak under the inspiration†¦of life: life forces us to establish values; life itself evaluates through us when we posit values†¦It follows from this that even that anti-nature of a morality which conceives God as the antithesis and condemnation of life is merely a value judgment on the part of life. (Nietzsche, 2006, p. 467) Within this context, Nietzsche recognizes that the anti-nature of morality is a value in itself. It differs however from a moral code since it does not delimit an individual by prescribing actions which he ought and ought not to follow. The importance of the anti-nature of morality lies in its emphasis on the affirmation of the individual. Within the text, Nietzsche claims, â€Å"morality in so far as it condemns†¦is a specific error†¦We seek our honour in being affirmative† (2006, p. 468). It is within this context that one may understand why for Nietzsche; the Ubermensch is an individual whose choices are dependent upon the ends justifying the means since to state that one performs a particular action since the means justifies the end is equivalent to performing a particular action since the act itself adheres to what a particular moral rule considers to be ‘good’. This is evident if one considers that in order for an individual S to consider Q a ‘good’ act wherein Q is good due to P and Q necessarily follows from P, it is necessary for P to be good within the context of a moral norm M. For example, a person may consider giving alms to the poor good since the act of giving alms itself is considered ‘good’ within the context of a particular moral norm. As opposed to the example mentioned above, the Ubermensch acts in accordance to what may be achieved by an act [the end of the act itself] since what the Ubermensch places emphasis on is the joy that may be achieved in the act itself. Alex MacIntyre states, â€Å"joy in the actual and active of every kind constitutes the fundamental end from which Nietzsche develops his critique of morality† (1999, p. 6). Although Nietzsche’s criticism of morality and its constraints upon an individual are valid, it is still impossible to conceive of a world wherein no morality is applied. Within the context of social reality, moral norms function to ensure order within society. Although laws may function by themselves to ensure the order of society, laws themselves are dependent upon a particular moral norm which the society adheres to. References McIntyre, A. (1997). The Sovereignty of Joy: Nietzsche’s Vision of Grand Politics. Toronto: U of Toronto P. Nietzsche, F. (2006). Morality as Anti-Nature. The Nietzsche Reader. Eds. K. Ansell-Pearson D. Large. London: Wiley-Blackwell.

Friday, November 15, 2019

Spring Oscillation to Find the Spring Constant

Spring Oscillation to Find the Spring Constant Title: Using a spring oscillation to find the spring constant. The aim of my report is to find the K (spring constant) by measuring the time of 10 complete oscillations with the range of mass of 0.05kg up to 0.3kg. It was been demonstrated by the lecturer and also the following instruction that I’ve been given. This experiment will show and prove that with this method, we can calculate the spring constant by using the following formula, In the meantime, we’ll be experience that we can get to find the spring constant, k, through this type method. What is a spring constant? Spring constant is a measure of stiffness or the ability to resist displacement under a load. It is denoted by K where; The SI unit for the spring constant; Nm-1 The spring constant tells u that it is the ratio of change of force with respect of deflection. So in other words, it is directly proportional to each other. The spring constant can also be known as the force constant. It is a measure of the elasticity of the spring. In theory, the more its elastic value, the more the force you will need to act to extend the spring. For example, a short spring has a higher spring constant than that of a long spring IF the other aspects or characteristics of it are the same or equal (thickness, material). It will take you 10N to extend a short spring with 1cm. To extend the long spring by the same amount, it would take less force, perhaps 5N for example. Introduction on Hooke’s Law Hooke’s law is the law of elasticity that was founded by the English scientist, Robert Hooke in the early 1660. It states that the extension or compression of a spring is directly proportional to the force exerted upon it. Sometimes Hooke’s law is formulated asF=−kx where as in this expressionFis no longer the applied force but it was the equal and oppositely directed restoring force that causes elastic materials like springs to return to their original forms. The law can also be expressed as the ratio of stress and strain. Stress is the force on unit areas within a material that develops as a result of the externally applied force while strain is the relative deformation produced by stress. For relatively small stresses, stress is proportional to strain. For particular expressions of Hooke’s law in this form, see bulk modulus; shear modulus; Young’s modulus. Diagram of the apparatus used Clear Description of the Method Used As can be seen from the previous page, these are the description of the method by using the apparatus from the picture and as prepared by the lecturer. At first, set up the apparatus which demonstrated by the lecturer. Hang the first mass on the spring. Allow the mass to oscillate up and down with a small amplitude and measure the time for ten complete oscillations. Calculate the average from both of the time’s sets. Find the time period T by dividing the average time by 10 Repeat all of the measuring of time by 5 more times with different masses which are from 0.05g. Make a table regarding the results that you analysed. Data Analysis Table Graph of T ² (y-axis) against m (x-axis) Analysis Discussion The first thing that needed to do is get all the information of the data that I’ve collected from this experiment using the method and Hooke’s Law. Next step, all the result data were then arranged in a Microsoft Excel, which is to be completed by using the table. With the results that I’ve got from the method to measure k (speed constant) and for every each of the value from the â€Å"Blue dots†, (from the graph) was accurate enough to its original value. Although, most of my values are in the range of 2 N/m, it is acceptable. Gradient To find the gradient of the graph, firstly, we need two particular points which included 2 values from x-axis and 2 more values from y-axis. The formula to find gradient is à ¯Ã†â€™Ã‚   The equation of a line is à ¯Ã†â€™Ã‚   For example, these values are from the graph: à ¯Ã†â€™Ã‚   (0.06, 0.06) à ¯Ã†â€™Ã‚   (0.29, 0.46) SUBSTITUTE à ¯Ã†â€™Ã‚   = 1.74 (value of my gradient) (look at my graph) Therefore it links with the equation of a line which is, Like this, Therefore the gradient is, Thus, substitute the following gradient value with this to find k. Value of k (speed constant) Finding the value of k, from the equation, The gradient that I found is 1.74N/m. Substitute it into the following gradient formula, Total value of k = 22.7Nmˆ°Ã‚ ¹ Percentage Difference (My total original value of spring constant divided by the value of spring constant) Multiply by 100. Ãâ€" 100 = 60.3% Accuracy and reliability First thing that we should know is that the spring constant is depended on the displacement under a load. So by the result that I have calculated with the method and the formula given to find T ² from the lecturer is not accurate as we would expected because of the formula that we should use is † â€Å". The required unit for spring constant value is the acceleration of the free fall gravity and the displacement of the spring. Even though we can find the constant K by using the method from our lecturer, it will not be as accurate as the one with the formula â€Å"â€Å", and with measuring time there’s a lot of miss accurate because of the possibility of human error. We can also substitute into† â€Å", however there is no value given for the length or displacement of the springs given, thus, giving us more uncertainties error. Comment: Reasons for Uncertainties Amplitude is different from each of the results causing it not to be precise. The disability of finding the missing length of the spring which is not constructed by the lecturer is very important to find the spring constant. Spring constant cannot be invented because as the number of how much weight or force that we need to apply to make the spring extended by 1 metre and based on the spring function. Due to the human error, the reaction of calculating time of the stopwatch will never be accurate. The measurement of an angle from working out the oscillation is inaccurate. Improvement for Uncertainties Firstly, we need the value of the spring length which will be easier to be calculated and comparing the percentage difference between the method that I’ve used and the one with this improvement. If there is a modern technology that can be invented that can measure the length of the spring when they stretch and to determine the time of oscillation with the creation of lasers to determine the period for each oscillation. Need an instrument that can hold the pendulum before and after the 10 complete oscillations so that every each of the oscillation within both period (time and time 2) will be measured accurately. In my honest opinion, the more accurate method to find the spring constant is to measure the spring’s displacement rather than using time as the unit to find k, spring constant, so we can now substitute the one we got previously to the formula Referencing Lists Bray, A. Barbato, G. Levi, R. (1990). Theory and Practise of Force Measurement. San Diego: Academic Press Limited. 52-53. Hosch, W.L. (2006). Hooke’s law Retrieved from http://www.britannica.com/EBchecked/topic/271336/Hookes-law Iris. (2009). what is spring constant? Retrieved from http://answers.yahoo.com/question/index?qid=20090902015640AAmDuLn Keller, J.F. (1993). Physics Classical and Modern (2nd ed.). McGraw-hill Inc. 331-350.

Tuesday, November 12, 2019

Return to Normalcy Essay

â€Å"Return to Normalcy† – United States presidential candidate Warren G. Harding’s campaign promise in the election of 1920. Doc 7 – Muscle Shoals – famous for its contributions to American popular music in the 1920’s. Doc 24 – Election of 1924 – Republican Calvin Coolidge wins election by a landslide. Doc 11 – Federal Farm Board – created in 1929, before the stock market crash on Black Tuesday, 1929, but its powers were later enlarged to meet the economic crisis farmers faced during the Great Depression. It was established by the Agricultural Marketing Act to stabilize prices and to promote the sale of agricultural products. The board would help farmers stabilize prices by holding surplus grain and cotton in storage. Doc 7 – Theodore Dreiser – an American novelist and journalist of the naturalist school. His novels often featured main characters that succeeded at their objectives despite a lack of a firm moral code, and literary situations that more closely resemble studies of nature than tales of choice and agency. Dreiser’s best known novels include Sister Carrie (1900) and An American Tragedy (1925). Doc 3 – T. S. Eliot – a publisher, playwright, literary and social critic and â€Å"arguably the most important English-language poet of the 20th century. † Although he was born an American, he moved to the United Kingdom in 1914 (at age 25) and was naturalized as a British subject in 1927 at age 39. Doc 1 – Fundamentalists – The demand for a strict adherence to specific theological doctrines usually understood as a reaction against Modernist theology, combined with a vigorous attack on outside threats to their religious culture. The term â€Å"fundamentalism† was originally coined by its supporters to describe a specific package of theological beliefs that developed into a movement within the Protestant community of the United States in the early part of the 20th century, and that had its roots in the Fundamentalist–Modernist Controversy of that time. Doc 20 – Billy Sunday – an American athlete who, after being a popular outfielder in baseball’s National League during the 1880s, became the most celebrated and influential American evangelistduring the first two decades of the 20th century. Henry Ford [Model T]- an automobile that was produced by Henry Ford’s Ford Motor Company from September 1908 to October 1927. It is generally regarded as the first affordable automobile, the car that opened travel to the common middle-class American; some of this was because of Ford’s innovations, including assembly line production instead of individual hand crafting. (23) flappers- a â€Å"new breed† of young Western women in the 1920s who wore short skirts, bobbed their hair, listened to jazz, and flaunted their disdain for what was then considered acceptable behavior. Flappers were seen as brash for wearing excessive makeup, drinking, treating sex in a casual manner, smoking, driving automobiles and otherwise flouting social and sexual norms. (8,9,14,22) Harlem Renaissance- a cultural movement that spanned the 1920s and 1930s. At the time, it was known as the â€Å"New Negro Movement†, named after the 1925 anthology by Alain Locke. Though it was centered in the Harlem neighborhood of New York City, many French-speaking black writers from African and Caribbean colonies who lived in Paris were also influenced by the Harlem Renaissance. 3) Marcus Garvey- a Jamaican publisher, journalist, entrepreneur, and orator who was a staunch proponent of the Black Nationalism and Pan-Africanism movements, to which end he founded the Universal Negro Improvement Association and African Communities League (UNIA-ACL). He founded the Black Star Line, part of the Back-to-Africa movement, which promoted the return of the African Diaspora to their ancestral lands. (10) Charles Lindbergh- an American aviator, author, inventor, explorer, and social activist. As a 25-year-old U. S.  Air Mail pilot Lindbergh emerged suddenly from virtual obscurity to instantaneous world fame as the result of his Orteig Prize-winning solo non-stop flight on May 20–21, 1927, made from Roosevelt Field[N 1] located in Garden City on New York’s Long Island to Le Bourget Field in Paris, France. (5,21) Twenty-One Demands- a set of demands made by the Empire of Japan under Prime Minister Okuma Shigenobu sent to the nominal government of the Republic of China on January 18, 1915, resulting in two treaties with Japan on May 25, 1915. 5:5:3:1. 75:1. 5 naval ratio- after World War I, many nations became concerned about the threat of another war and the possibility of an arms race. To address these issues in the naval arena, in 1922, Great Britain, the United States, Japan, France, and Italy signed the Five Powers Treaty at the Washington Conference. In the treaty, the powers agreed to a 5:5:3:1. 75:1. 75 ratio of naval tonnage and restrictions with regard to new building of both ships and bases. Young Plan- a program for settlement of German reparations debts after World War I written in 1929 and formally adopted in 1930. It was presented by the committee headed (1929–30) by American Owen D. Young. The reparations, set in January 1921 by an Inter-Allied Reparations Commission at 269 billion gold marks (the equivalent of around 100,000 tonnes of pure gold) were deliberately crushing. Teapot Dome Scandal- a bribery incident that took place in the United States in 1922–1923, during the administration of President Warren G. Harding. Secretary of the Interior Albert B. Fall leased Navy petroleum reserves at Teapot Dome and two other locations to private oil companies at low rates without competitive bidding. doc 24 Secy. of the Treasury Mellon (tax cuts)- Mellon came into office with a goal of reducing the huge federal debt from World War I. To do this, he needed to increase the federal revenue and cut spending. He believed that if the tax rates were too high, then the people would try to avoid paying them. He observed that as tax rates had increased during the first part of the 20th century, investors moved to avoid the highest rates by choosing tax-free municipal bonds, for instance. (doc 15 Progressive Party- was an American political party. It was formed by former President Theodore Roosevelt, after a split in the Republican Party between himself and President William Howard Taft. â€Å"The Lost Generation†- is a term used to refer to the generation, actually a cohort, that came of age during World War I. The term was popularized by Ernest Hemingway who used it as one of two contrasting epigraphs for his novel, The Sun Also Rises. (doc 9, Doc 13 Ernest Hemingway [A Farewell to Arms]- a semi-autobiographical novel written by Ernest Hemingway concerning events during the Italian campaigns during the First World War. The book, which was first published in 1929, is a first-person account of American Frederic Henry, serving as a Lieutenant (â€Å"Tenente†) in the ambulance corps of the Italian Army. The title is taken from a poem by 16th-century English dramatist George Peele. (doc 13 prohibition [Volstead Act]- prohibited the production, sale, and transport of â€Å"intoxicating liquors†, it did not define â€Å"intoxicating liquors† or provide penalties. It granted both the federal government and the states the power to enforce the ban by â€Å"appropriate legislation. † A bill to do so was introduced in Congress in 1919. (Doc 2 Immigration Acts (1921, 1924)- was a United States federal law that limited the annual number of immigrants who could be admitted from any country to 2% of the number of people from that country who were already living in the United States in 1890, down from the 3% cap set by the Immigration Restriction Act of 1921, according to the Census of 1890. doc 11, doc 17 Scopes Trial- was a landmark American legal case in 1925 in which high school science teacher, John Scopes, was accused of violating Tennessee’s Butler Act which made it unlawful to teach evolution in any state-funded school. (Doc 1 The Jazz Singer (Doc 7)- is a 1927 American musical film. The first feature-length motion picture with synchronized dialogue sequences, its release heralded the commercial ascendance of the â€Å"talkiesâ⠂¬  and the decline of the silent film era. Produced by Warner Bros. with its Vitaphone sound-on-disc system, the movie stars Al Jolson, who performs six songs. The â€Å"New Woman† (Doc 22)- was a feminist ideal that emerged in the late 19th century. The New Woman pushed the limits set by male-dominated society, especially as modeled in the plays of Norwegian Henrik Ibsen (1828–1906). â€Å"The New Woman sprang fully armed from Ibsen’s brain,† according to a joke by Max Beerbohm (1872–1956). Langston Hughes (Doc. 3)- was an American poet, social activist, novelist, playwright, and columnist. He was one of the earliest innovators of the then-new literary art form jazz poetry. Hughes is best known for his work during the Harlem Renaissance. Pan-African Movement (Document 10)- is a movement that seeks to unify African people or people living in Africa, into a â€Å"one African community† Differing types of Pan-Africanism seek different levels of economic, racial, social, or political unity. Spirit of St. Louis (Doc 21)- is the custom-built, single engine, single-seat monoplane that was flown solo by Charles Lindbergh on May 20–21, 1927, on the first non-stop flight from New York to Paris for which Lindbergh won the $25,000 Orteig Prize. Washington Naval Conference(NA)- also called the Washington Arms Conference, was a military conference called by President Warren G. Harding and held in Washington from 12 November 1921 to 6 February 1922. Conducted outside the auspices of the League of Nations, it was attended by nine nations. Dawes Plan(NA)- was an attempt in 1924 to solve the reparations problem, which had bedeviled international politics, in the wake of the Ruhr occupation and the hyperinflation crisis. It provided for the Allies to collect war reparations debt from Germany. Intended as an interim measure, the Young Plan was adopted in 1929 to replace it. Kellogg-Briand Treaty(NA)- agreement, signed Aug. 27, 1928, condemning â€Å"recourse to war for the solution of international controversies. † It is more properly known as the Pact of Paris. In June, 1927, Aristide Briand, foreign minister of France, proposed to the U. S. government a treaty outlawing war between the two countries.

Sunday, November 10, 2019

Rules of evidence

Why are Americas rules of evidence more restrictive than those established by other countries? America's rules of evidence are more restrictive because unlike some countries we have Constitutional protections that safeguard Individual rights. An example of this would be the Supreme courts determination that a state rule requiring that a defendant wanting to testify In a criminal case must do so before the admission of any other defense testimony Is a violation of the Fifth and Fourteenth Amendment due process clause.The due process clause protects citizens of the united States from unfair and disorderly legal proceedings, coupled with the right to be informed of the nature and charges in accusation against them among other privileges. With this in mind it can be easily concluded as to the necessity of the restrictive nature of the rules of evidence. Although America adopted the English system of evidentially rules, many changes have been made since that time.Although the adoption of the Federal Rules of Evidence and the uniform Rules of Evidence has not embraced the simplicity that the drafters of the constitution may eave envisioned, they do bring about more uniformity and consistency to the legal system. The Federal Rules of evidence regulate evidentially matters in all proceedings In the federal courts and they bring about a significant measure of uniformity In the federal system. Unfortunately there Is far less uniformity among the states. Only thirty-six jurisdictions have adopted evidence codes that model the Federal Rules of Evidence. Out of the fifty states only forty-two have adopted these rules completely or in part. Of the remaining eight states, my home state of Georgia is in this line up. About a week ago I had the opportunity to learn of this first hand.My attorney and I were preparing a witness list to give to the District Attorney in a criminal case we have. He asked me to research the statute cited on the States witness list and tell him what i t says about using a defendant as a witness. To my surprise this is what I learned. Pursuant to O. C. G. A. 17-16-1 (2010) the deflation of a â€Å"witness statement† In a criminal proceeding Is as follows: (2) â€Å"Statement of a witness† means:A) A written or recorded statement, or copies thereof, made by the witness that is signed or otherwise adopted or approved by the witness; (B) A substantially verbatim recital of an oral statement made by the witness that is recorded contemporaneously with the making of the oral statement and is contained in a stenographic, mechanical, electrical, or other recording or a transcription thereof; or (C) A summary of the substance of a statement made by a witness contained In a memorandum, report, or other type of written document but does not Include notes r summaries made by counsel.Paragraph three of this statute is the statement that demonstrates Georgia is not homogeneous with the Federal Rules of Evidence; and it also exclud ed our defendant as a witness in her own defense. I find to be ironic that the Constitution is the supreme law of the land yet individual states are allowed to have laws that are contrary. This Constitution, and the laws of the United States which shall be made in pursuance thereof; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the Judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding. With the understanding that states can nullify federal laws that they determine to be â€Å"unconstitutional†, as was the case in Oklahoma regarding the Affordable Care Act; it is quite perplexing that Georgia along with seven other states find it unconstitutional to deny a defendant the right to testify in their own defense.

Friday, November 8, 2019

The Lovers by Marguerite Duras

The Lovers by Marguerite Duras In this paper we are going to analyze, to try to look deeper or even may be to feel the main ideas, concerns, themes of the famous novel of Marguerite Duras The Love. In order to do this, we have to stop a little on the personality of the author, this is really important for understanding the style and main ideas of the novel. She was born in Saigon French Indochina. Later on she decided to take up law in the native county of her parents – France, but instead developed her talent as a writer. She wrote a number of novels, plays, short stories, was the director of several films, but her best selling book was The Lover ( L’Armant in French). This novel was translated into 43 languages and in the year 1984 it received the Prix Goncourt reward. There was also a movie shot after this novel, the director of which was Jean-Jasques Annaud. Some time later, Duras also published another book, which was a little bit different from the first one under the name – LArmant de l a Chine du Nord. Mostly her works were of an unusual style and full of romanticism. She was considered to belong also to Nouveau roman literally movement in France. The Lover is without double an autobiographical novel and there are some facts confirming this. For example the real lover of the author was also Chinese and his name was Lee. The last information that she received about him was that he became born Christian and that he really loved his family. He died at the same city where they met for the first time. The main heroine of the novel is 15, the same was the age of Duras when she had this love affair. The book is written in an unusual manner, not presenting the chronological sequences of the events and thoughts, this is more a collection of memories, feelings and dreams. The novel mixes up the present events with the past events. The short book of around 100 pages looks like an experiment, due to its style of recollecting ideas and images. At the very beginning the reader is not able to catch the thread of narration, however, really quickly he is amazed by novel. The author perfectly shows how human mind can rapidly recollect the events of the past and mix them with the present surrounding world. The memories seem to be so deep and so emotional that a person would never be able either to forget them or to get rid of them. The novel is absolutely far from simple romantic stories with happy ends, somehow it seems even to break the limits of the permitted relations for such a young girl, but this never makes it perfunctory or obscene. The story is told from the third person and then suddenly from the main heroin herself. This also contributes probably to the feeling that there are two worlds: the usual one, most people used to believe in living in and the other subtle and hidden world of persons desires and feelings. Happiness is hardly separated from violence, love and hated are mixed up, thus neither the themes nor the message of the novel are simple and transparent. The story is told in the way that sometimes there is a feeling that you are listening to a person who is talking in the state of hypnosis. Certainly the main portion of attention is drawn from the very beginning till the end of the story to the young girl, who is always sad, sad because of the situation in her family, because of lack of tender and real love from her mothers side, because of her responsibility for the youngest brother, later because of her involvement into the life of a grown up woman. She belongs to a French family, but living in Indochina, the status of the family is rather poor and low due to the death of the father. From one side this is still a very young a little naive girl, she is not able to have an affair based on pure sexual relations without falling in love. On the other hand, in many senses, this is a mature personality, psychologically older than her physical age. But it is not possible to state whether she is so wise or just gets into such situation only due to her curiosity. At the school, which she attends, other girls and she herself are not much interested in taking care of lepers, the cholera stricken. From the very beginning we have to pay attention to the appearance of the girl, because it is the same dual as her inner world: she has plaits and funny man’s hat, but on the other hand, her transparent dress and shoes make her look like a young prostitute. Thus there is also a contrast, because she is not stunningly beautiful and at the same time, when somebody looks at her he can not just pass by without noticing her ugly beauty. And exactly dressed like this she is noticed by a wealthy Chinese guy, who in a way is a contrast to her, to her clothes, appearance, manners, status. Actually, he could probably find another girl or woman who would be right for him, but he could not stand the temptation to have this one. And he starts conversation with her, though in reality the conversation seems not appropriate, she is far from his business and his compliments she accepts with childish easiness. When the girl agrees to be taken to Saigon by him, it is again not quite clear, weather she just wants to check her charms and ability to attract mens attention, or she is in really interested in this man. Maybe she is just sick and tired of her family situation, of lack of interest and care towards her and is looking to get it from a stranger. Concerning the young man and his motives for the relations with a girl, it is also hard to judge only from one side, he was probably fascinated by her image, by her youth, by her feelings, however there was no intention from his side to marry her, although he was desperately wishing to see her and to be with her. As their relations continue to develop, the girl falls in love, most likely she didn’t expect it and she didn’t want it, as she wanted first of all to be loved, but in reality she gives her body and a part of her soul to a man, who became her lover. In the event that happened after the restaurant, we again come across the duality common for the novel. On the one hand the lover hits and rapes the girl, she feels pain, humiliation, but on the other hand there is some kind of cathartic pleasure for her. Before the situation seemed to be under her control, now the man got what he wanted without her permission. But when she makes him pay the same sum of money that he would have to pay to the prostitute if he had sex with her, and he paid, in a way she manages to take her power back. The man is obsessed by the girl, not however wanting to marry her. Once the girl says that the real reason for her to be with him was money, the reader feels that it is not in this way, she probably doesnt love him deeply, but she is without doubt also attracted to him and nothing is so simple as just money. She maybe chose him for more important mission than being her man or her husband, she chose him as a person who would help her and push her to be reb orn from her old life into new one. At the end of the story it is absolutely clear that there will be no usual happy end, and that they won’t be together and would have to part sooner or later, but they still have love for each other, which is probably far from that classical feeling described by poets and shown in melodramas, but if they are strong enough to part, that doesnt mean that their love was not deep enough and that many year later the lover will not appear in the life of a writer, saying that he still loves her. At least Duras wrote the book later, when she was a quite famous writer. Overall, The Lovers is a deeply emotional, sensitive and subtle story about a man and a girl, about their love and the power of this love, about the psychological fight and about erotic desires. In a way it can be also called a feminist novel, because it mainly underlines the strength of a very young girl, woman, who has little or even no idea about relations between men and women and still she is able to attract and somehow even to control a man who is much older than she.

Wednesday, November 6, 2019

College Move-In Day - Long Distance Dorm Move-In Tips

College Move-In Day - Long Distance Dorm Move-In Tips Moving your child into her new home  is tough enough when youre schlepping all of her worldly possessions in the family car. Add air travel or a cross-country road trip to the mix and it becomes even more challenging. Thankfully colleges and retailers get it: Nowadays its becoming increasingly more common for kids to attend schools that are hundreds of miles from home, so you can ship belongings directly to campus, order supplies online for local pickup, or just wait until you get there to shop. Follow these tips to avoid a few key mistakes. Rent a Car An hours-long drive across several states may be  daunting, but if a one-way road trip is not too ghastly a concept, consider renting a car. Drive to the college with all the gear, move in, drop off the car at the airport, and fly back. Youll pay a premium for a one-way rental, but it may be worth it to avoid the hassle and expense of shipping large items. And save money by following these tips from U.S. News World Report: Dont buy insurance. Your insurance company may cover rental cars, so check before you travel. If not, many credit cards offer insurance for free if you use their card to pay for the car. Dont rent at the airport. Yes, youll drop off the car at the airport, but that doesnt mean you need to rent at the airport. Youll be paying a drop-off fee anyway, so skip the high price of airport rentals.Shop around. Spending just a few minutes on the internet, you can book your car online- often at a discount.Dont pay extra for GPS. Use your smartphone for navigation.Take your time when inspecting the car. Any dings or dents you miss may be billed to you upon returning the car.Return the car on time. Many rental companies determine drop-off times according to the time of day you rented the car. So, check with the company before renting. Use Storage Bins If you are driving, its much easier to pack a car (even a rental) with regularly shaped objects- boxes or large plastic bins- as opposed to plastic trash bags or grocery sacks. Plus boxes are much easier to lug up multiple flights of crowded dorm stairs once you get to the school, especially if the bins have handholds. Many dorms  dont have elevators, and those that do will be crammed. Once hes moved in, your child can use the bins for extra storage or to transport laundry to the laundry room, which is likely to be some distance away from his room. Ship Items Ahead of Time   Double check the college mailroom schedule. Some schools accept packages over the summer, and a few even deliver to the dorms. Other mailrooms, like the one at UC San Diego, dont open until several days after move-in day, a situation that may leave your child sleeping on borrowed towels until he can retrieve his bedding from the mailroom. If you run into mailroom issues, make sure your childs luggage includes the absolute essentials shell need during the first few days, including sheets, towels, toiletries, a light jacket, two pairs of shoes, and a couple of sets of clothes. Your child can create decorations, such as picture mobiles, as well as a laundry basket and even a nightstand, with easily obtainable (and inexpensive) materials. Theres no need to buy and ship such items ahead of time. If you have a friend, colleague, or relative who lives in the same area where your child will be attending school, have his belongings shipped there. And while youre packing, remember that your child won’t need his heavy woolens in August, so ship winter items later, or have him pick them up at Thanksgiving if he is planning to fly home for the holiday, as many students do. Order Online Some retailers allow you to order gear online and pick it up in stores in another state. Just verify the location, print out a copy of your order paperwork, and allow extra time for pickup. Big box stores near college campuses are always clogged during move-in day, but since youve picked everything out ahead of time youll be able to get in and out without a hitch. Shop Once You Arrive Depending on how your childs move-in and orientation schedules are structured, you might be there for one day or a weekend.  If you have an extra day for dorm room shopping, take advantage of it. It takes an incredible amount of time, but trying to find the right stores and the right stuff in a college town on move-in day can be quite an arduous task. If move-in day is just that- a day- dont panic when you realize youve forgotten something because you  will  forget something.  Locate the nearest big box stores before move-in day to save yourself some stress. If youve rented a vehicle, consider keeping it for one extra day so you can drive your child to pick up those last-minute supplies. Many stores allow you to order online and then pick up items the same day. Youll only need a laptop, tablet computer, or smartphone to order, so consider packing one of those three electronic devices, regardless of what method you use to deliver the goods- and your child- as she begins her long-distance college career.

Sunday, November 3, 2019

Foreign Currency Exposures of Medco Essay Example | Topics and Well Written Essays - 2000 words - 1

Foreign Currency Exposures of Medco - Essay Example This paper illustrates that money market hedging strategy is mainly based upon channelizing the interest rate exposures of the currencies involved i.e. the home currency and the foreign currency. Under the existing scenario, home currency is Pounds whereas the foreign currency is Euros. This strategy has the reciprocal way of dealing with the foreign currency risk in receipt and payment case. As the existing case is the receipt case, therefore, Borrow-then-invest strategy is followed. From the below-mentioned table, it can be viewed that at the first step an amount equivalent to the amount receivable in 6 months i.e. â‚ ¬500,000 are borrowed at an interest rate of 2% per annum equivalent to 1% semi-annually. The amount received from a bank is immediately converted into the amount in pounds at the spot rate of 1.2834 producing a sum of  £385,733. This amount is then invested at a rate of 4% per annum equivalent to 2% semi-annually thus producing a sum  £393,477. Forward exchang e rate hedging is mainly based upon the mechanism of locking in a pre-determined future rate at today’s rate. In another rate, when the invoice amount will be remitted, the exchange rate will not be the spot rate after 6 months rather the exchange rate will be the rate determined today i.e. forward rate. In the existing scenario, the fixed forward for 6 months is 1.2755. After 6 months, when the amount is remitted, â‚ ¬500,000 will be converted at 1.2755 which is the forward rate determined 6 months earlier and will generate a sum of  £392,003. In this way, whether the home currency is appreciated or depreciated against the foreign currency, Medco will take the forward rate as the fixed rate and either the loss or the gain will be the sole liability of the forward rate dealer. From the above two techniques, it is quite evident that the money market hedging strategy is going to yield in a higher amount i.e.  £393,447 as compared to the forward rate based hedging strateg y which will yield in  £392,003. In this way, it can be noted that money market hedging based seems more effective given the interest rates and other factors remains constant. The Board of Directors of Medco is advised to follow money market-based hedging strategy, as the same will earn a marginal benefit of  £1,444 to the company. However, the arrangement of money market hedging will require substantial efforts of management in fulfilling the requirements of the bank providing this money market hedging facility to Medco.

Friday, November 1, 2019

Living on Borrowed Money Essay Example | Topics and Well Written Essays - 500 words

Living on Borrowed Money - Essay Example These people all amassed credit card debt while in college and are now living with the consequences. Student credit card use can cause academic failure, career damage, and a lifetime of physical ailments. Students that are forced to sacrifice their study time for employment are going down the dead end road to disaster. As a student, I can confirm that college is a full time endeavor. Working beyond that, though sometimes necessary, can only detract from your study time and result in a lowered GPA. Making extraordinary efforts to pay a mounting credit card bill will come at the expense of your academic standing. The result will be dropped classes and the potential of academic probation that threatens your ability to get financial aid. These distractions will be the recipe for a failed college experience. For those students who are lucky enough to escape college with a degree, credit card debt and missed payments can continue to haunt them. It is routine for employers to do background checks on applicants that include a credit report. Recent graduates may have a history marred by missed payments and overdue bills. Lynn Nemser, president of a leading management consulting company, says that it is assumed that people with a poor credit rating are less honest and more likely to steal ("Guess Who's Looking").