Friday, 29 November 2019

ANTEBELLUM FINANCIAL CRISES Example

ANTEBELLUM FINANCIAL CRISES Example ANTEBELLUM FINANCIAL CRISES – Book Report/Review Example ANTEBELLUM FINANCIAL CRISES September 22, Antebellum Financial Crises, Bruchey Ch. 6 The chapter imparts enormous knowledge to the reader by providing detailed information concerning several aspects of money and banking before and partly before the civil war. Crucial information about the currency establishment among European countries is well analyzed. Basics of the origin of currencies that was the use of coins is well-discussed making one understand the origin of exchange rates. It came as a result of value of the mixture portion of the material component used to make the coins. Different nations had varied combinations thus the difference in value and exchange rates among the nations that were mainly done by merchants who were involved in imports and exports of goods that were in demand during those times.Further significance of the chapter is well-portrayed by provision of information on how the banking industry and its growth had an effect on the economy. Introduction of paper money is well-analyzed with the reasons behind the idea of bank notes. Several entrepreneurs are discussed in the chapter and the ideas they came up with which some are still used in the banking industry (Bruchey 189). For example, the transfer of money, in this case bank notes, from one individual to another was possible by an order from the customer to transfer funds to another person to the other with the amount clearly stated and record kept. The chapter also helps us understand the bank war that took place at around 1830 during the leadership of Jackson who had little concern on the second bank of America. Seldom did he mention it in his campaign and thats how he became president without questions on the same. The chapter clearly gives answers to critical questions such as the achievements of Nicholas Riddlc at around 1816 where he was trying to enact measures to maintain the value of a currency on the international market. When going through the reading, one can relate the mon etary regulatory situation. It is clear that poor regulations and allowing too much liquid cash to the public is more likely to cause inflation.

Monday, 25 November 2019

Free Essays on Africa

The Legacy of Colonialism: Integration, Dependency, and Responsibility The economic philosophy of colonialism has contributed to the present economic instability of the continent of Africa. Assigned third-world economy status, dependent upon the world market, and caught amid social and political wars, Africa has not adapted well to the changes thrust upon it by colonial rule. But while historical events have played a significant role in condemning Africa to poverty and underdevelopment, African leaders themselves have also failed to own up to their leadership responsibilities. A factor contributing to Africa’s inability to manage itself effectively is the colonial economic system, which has been thrust prematurely upon Africa, and which has relegated the African economies to a peripheral third-world status within the world economy. The most notable legacy of colonialism has been the integration of socialist-type colonies into the global capitalist economy. The main force keeping economies in the global system and sustaining imperialism is the market itself. For the wealthy in Africa, the market is a wonderful benefit, offering goods that Africa does not manufacture. The world market enables African elites to consume products of western civilization without having to initiate the difficult and long-term process of constructing the productive base of their societies. It is easier, and makes more short-term sense, to embrace the global market than to try to build industries from the ground up. Unfortunately, the virtual non-existence of an indigenous m anufacturing industry renders Africa dependent on and vulnerable to the changing world market. The economy’s reliance on the world market is an important economic effect of colonialism, as are the new social and demographic changes effected by Africa’s incorporation into the global economy. The introduction of an organized commercial economy has largely replaced Africa’s tradit... Free Essays on Africa Free Essays on Africa Africa in General and Madagascar Africa, until the middle to late nineteenth century was known as The Dark Continent. The reason for this reputation was that at the time no outsider was able to go in land of the big continent and see the diversity and the complexity of it. The first impression the European got was what they saw that the coastal areas of Africa and took this impression back to their countries and labeled the continent as being dark, not only because the encounter they had with dark skinned people also because of their ignorance. Africa can be looked at in several different ways, such as climate, ethnicity, history, languages, vegetation, natural resources, physical feature, and religions. First, Africa has five main climate regions: tropical rain forests, mediterranean, savanna, steppe, and desert. It also has small regions of highland, marine, and subtropical. Second, the vegetation varies depending on the climate area. In desert regions it is mostly barren but does have small amount of vegetation, which has adapted to a limited supply of water. Tropical rain forest usually has three layers of trees, all of which are broadleaf evergreens. They also have a variety of small ferns, vines, and shrubs. In the mediterranean environment there are evergreen trees mixed with coniferous and broadleaf trees. Oaks, pines, and small shrubs also are common. There are two types of savanna, woodland that has tall tress and perennial grasses and grassland, which consists of low growing deciduous, evergreen, and shrubbery. Grassland savannas also have many species of bare thorn shrubbery and the grasses are almost barren. Depending on the area, Africa's cash crop consists of coffee, gum, rubber, tobacco, cocoa, grapes, ground nuts, sugar, citrus, cotton, oil palm, and tea. Then we can say that the climatic region determines what vegetation, cash crop or natural can survive where. Generally speaking however Africa's natural resources a... Free Essays on Africa The Legacy of Colonialism: Integration, Dependency, and Responsibility The economic philosophy of colonialism has contributed to the present economic instability of the continent of Africa. Assigned third-world economy status, dependent upon the world market, and caught amid social and political wars, Africa has not adapted well to the changes thrust upon it by colonial rule. But while historical events have played a significant role in condemning Africa to poverty and underdevelopment, African leaders themselves have also failed to own up to their leadership responsibilities. A factor contributing to Africa’s inability to manage itself effectively is the colonial economic system, which has been thrust prematurely upon Africa, and which has relegated the African economies to a peripheral third-world status within the world economy. The most notable legacy of colonialism has been the integration of socialist-type colonies into the global capitalist economy. The main force keeping economies in the global system and sustaining imperialism is the market itself. For the wealthy in Africa, the market is a wonderful benefit, offering goods that Africa does not manufacture. The world market enables African elites to consume products of western civilization without having to initiate the difficult and long-term process of constructing the productive base of their societies. It is easier, and makes more short-term sense, to embrace the global market than to try to build industries from the ground up. Unfortunately, the virtual non-existence of an indigenous m anufacturing industry renders Africa dependent on and vulnerable to the changing world market. The economy’s reliance on the world market is an important economic effect of colonialism, as are the new social and demographic changes effected by Africa’s incorporation into the global economy. The introduction of an organized commercial economy has largely replaced Africa’s tradit...

Friday, 22 November 2019

The Internationalization Process of Mapfre Dissertation

The Internationalization Process of Mapfre - Dissertation Example This dissertation focuses on MAPFRE Co. that is the parent corporation of a group involved in the underwriting and stipulation of insurance in Spain and overseas. MAPFRE is acronym of Mutualidad Agrupadora de Propietarios Fincas Rà ºsticas de Espaà ±a that is Group of Rustic Properties owners’ Mutual of Spain. Insurance policies offered comprise: life, non-life, accident, homeowner, general and health. MAPFRE is affianced in the provision of reinsurance, the management of investment funds, pension funds and pension plans, real estate and related services. The researcher aims to investigate the internationalization process of MAPFRE, highly successful in Latin America and Mediterranean countries but failed in Germany and UK. He also aims to investigate strategies on howto recover from such failures; whether the current internationalization is feasible in China and which strategies should be followed in the Road China Assistance project. Based on the data gathered from the cur rentdissertation, MAPFRE has to undertake the following changes to support an internationalization process. Firstly, it is significant to generate an icon of something to which people could relate, to establish a unique, competent service. Secondly, internationalization is likely to mean bringing together a range of resources and skills and focusing activity through teams. Thirdly, the researcher states that MAPFRE needed to understand customers desire in terms of a relationship. Other changes were described in the dissertation in details as well.

Wednesday, 20 November 2019

Strategic Management and Strategic Competitiveness Essay - 9

Strategic Management and Strategic Competitiveness - Essay Example Having being founded in 1984, the company has extensively invested in geothermal energy under the leadership of John Watson, the current chairman and CEO. Chevron success has not only been based on the product diversification but also due to merger and acquisition strategies that it has adopted. Some of the notable companies that Chevron has acquired include Texaco in 2000, GM Ovonics, Unocal Corporation and ATLAS Energy Incorporation among others. Chevron Corporation is an international company that has established outlets in many countries that includes Angola, Australia, Azerbaijan, Brazil, Cambodia, Liberia, Kuwait, Russia, Thailand, Ukraine and Malaysia among may other countries. In this way, the company has been able to effectively distribute its brands resulting to high sales and sustainable profit. In order to ensure that the company meets the needs of all its stakeholders, Chevron supports diversity while at the same time it fosters inclusion. The company has rich diversity of ideas that has been generated by experienced and skilled workforce. Most importantly, the company has maintained The Chevron Way, which indicates that Chevron learns from and respect the cultures in which it operates. Additionally, the company is committed to being recognized as a global leader that backs its strategies with quantifiable results. During its operations, Chevron undertakes its operations in a way that indicates respect for its emp loyees as well as the world community. One of the company achievements is that it was the first major energy firm to involve sexual orientation in its nondiscriminatory working policies. In 2012, Chevron was honored as the top corporation by Women Business Enterprise National Council due to its ability to provide adequate opportunities to women entrepreneurs. Similarly, the company was recognized in 2012 and was awarded Diversity Leader Award due to it commitment to diversity as well

Monday, 18 November 2019

American Past Essay Example | Topics and Well Written Essays - 750 words

American Past - Essay Example To understand the American historical expansion, an extensive analyses and evaluation of the existing primary sources is significant. The essay analyses and evaluates two closely related primary sources of American past from Reading the American Past Volume 1 by Michael Johnson (a history of the United States of America and America revolution in South Carolina). The essay will as well elaborate in detail some of the main developments in American history. One primary source (A history of the United States of America) expounds on revolutionary incidences in the United States of America while the other sources (America Revolution in South Carolina) is focused on slave trade in america and its impacts to modern development.The two documents under study present a wide range of information on social, cultural, political, and economic development of America’s historical past. The American Past Volume 1 was authored by Michael Johnson. The main aim of the text, A History of the United States of America source was to incorporate ideas and experiences from different scholars in one volume. The source was also intended to provide a trustworthy basis for explaining contemporary developments in the United States of America. Michael has offered a decisive overview of the historical social, economic, and political challenges in the development of modern global superpower state that is the United States of America. ... American History Volume one author has as well documented the American Revolution in South Carolina, a source that talks about slave trade and slavery. The source was anticipated to give details on the role of immigrants, native inhabitants and slaves to the modern flourishing economic prosperity in America. The source also clarifies on the historical American revolutions that were solely responsible for the modern American civilization. The sources expounds on the incidents that took place in the settlement and exploration of American states, especially in South Carolina. The author outlines the impact and contribution of the initial inhabitants in the development Carolina states. The sources also analyses how the modern unique Carolina states cultures was shaped by slave trade and immigrants. The first source â€Å"A History of the United States of America† was documented to help scholars, economists, politicians and historians appreciate and utilize the past incidents and e xperiences in coming up with productive and sensible decisions and policies. The source is also significant to modern learners and thinkers as it offers an insight on the necessities relevant in modern and future development. The second source â€Å"America revolution in South Carolina† has emerged as an incredibly relevant source of information to the United States of America learners. Lawmakers and legislatures have used the source to make laws and policies that will minimize gender and racial based discrimination. The first source has as well offered an intensive explanation on historical wars, violence and their impact on ancient economic development. The source has also explained views and perceptions of different

Saturday, 16 November 2019

The Benefits Of FDI To MNCs

The Benefits Of FDI To MNCs Globalisation commenced after the World War II, but grew explicitly after the mid-1980s driven by the technological progress as well as rising liberalization of trade and capital markets. However, according to Hood and Young (2000) globalisation began at the time of World Economic Crisis in 1970 (Asian crisis, oil crisis, post-Vietnam war). During that time Western industrialized countries experienced slow down in economies, reduction in profits as well as strong competition. As a result, the following strategies were used in order to tackle these problems: cheap labor usage in manufacturing process, new market exploration as well as strategic alliances formation. MNCs began to cut their costs by utilizing cheap labor from developing countries, such as Mexico, Tunisia and Taiwan. (Hood and Young, 2000) According to Strange (1997) observations globalization has increased mobility of capital, knowledge and information. (Hood N. and Young S., 2000) The globalization process has let multinationals desire to optimize market competitive variable and costs within a liberalizing trade and investment environment. (Hood N. and Young S., 2000). During the process of globalisation following institutions were established: the World Bank, International Monetary Fund (IMF), General Agreement on Tariffs and Trade (GATT), as well as World Trade Organisation (WTO). The later played a significant role in favouring free trade, instead of protectionism. FDI deregulationà ¢Ã¢â€š ¬Ã‚ ¦has played an important role for investment into privatezed firms as well as the domestic economy growth and price stabilization. . (Hood N. and Young S., 2000) will research moreà ¢Ã¢â€š ¬Ã‚ ¦More information in terms of deregulation should be at beginning when you start the globalization Benefits of FDI MNCs may be motivated to undertake foreign direct investment to get more demand as well as get into the markets where they could generate greater profits. Both these motives are usually based on opportunities to get higher revenues in foreign markets. Other motives are related to the cost efficiency, when using foreign factors of production: raw materials or technology. Moreover, MNCs may be involved in FDI in order to protect foreign to protect their foreign market share, to respond to exchange rate changes, or to evade trade restrictions (can be used in conclusions) For instance, a company considering FDI in Asia or USA may still be attracted by Asia due to higher growth potential for a company as well as higher profit margins. Moreover, if case the local currency depreciates there will be less costs necessary to establish a subsidiary. MNCs may decrease its exposure to economic conditions by expanding their business activities between different economies. When foreign direct investment occurs, constant reassessment is needed in order to anticipate whether further expansion should take place. The decision is influenced by the economic conditions in the subsidiarys country, parents country, host country government as well as MNCs experience in operating abroad. MNCs which will not experience problems will be the ones which will employ local labour as well as manuacture the goods that have no direct substitutes in a foreign country. Usually the ideal FDI is the one by the means of which the problems of local unemployment and technological scarcity is solved with no threat to the local firms. Global markets join those who may offer capital and those who require capital, hence promoting economic growth. Moreover, global markets create pleasant conditions for mutually beneficial trading. Economists tend to favour free flow of capital due to the following reasons: Get the highest rate of return Reduce the risk by diversifying the lending and investment. Huge corporations, like Coca-Cola, Nestle, and Gillette took advantage of the globalisation by spreading their international operations across boarders, hence to become more competitive, meet global demand as well as cut their production costs.  [1]  Investing into emerging markets has brought much of success to these companies. Like any investor, an MNC is valuating its risk and return, when forming international projects. The portfolio of all projects determines the MNC as a whole. In fact, the riskier the country, the less probably the investors will invest, however this might anticipate higher returns. In fact, risky project may offer negative returns, however a high-risk alliance might be successful and bring high returns, for example, Google. Lower risk investment is likely to offer positive returns. Therefore, when choosing a portfolio a company should evaluate how much extra return is needed in order to offset the extra risk or how much extra return the company is ready to sacrifice in order to have lower risk. Project portfolios generate higher returns than the individual ones due to the diversification characteristics. The less the correlation in project returns the less should be the project portfolio risk. Along the efficient frontier of project portfolios, there is no portfolio to be said as an optimal for all MNCs. This is due to the fact that MNCs differ in readiness to accept risk. If the MNC is very cautious and may select between the portfolios reflected by the frontier it will probably favour one that shows low risk. However, more risk tolerant strategy would be to undertake the projects risk return close to the top of frontier. In fact, the location of frontier is determined by the business MNC is undertaking. For example, Eurosteel plc trades steel only to European markets, then its frontier of efficient project portfolios indicate high risk, as this company sells only one product as well as it trades with countries whose economies are correlated. However, Uniliver plc sells variety of products worldwide, hence due its diversified range is less exposed to the project portfolio risk. Here is assumed that the Uniliver plc is well informed about all the products as well as the markets where it operates. MNCs may get more attractive risk-return from the projects portfolios if they enough diversify among products as well as geographic markets. Moreover, it may However if it is a new company it international investment activity is affected by the country risk. The risks may overtake the returns. For example: Conclusions: Usual motivation for foreign direct investment relates to international diversification. This lets MNC to stabilise its cash flows as well as lessens its risk exposure. Such a goal is desirable because it may reduce the firms cost of financing. International projects may let the company to be exposed to lower risk than if undertaking solely domestic projects and not sacrificing its expected returns. International diversification impacts risk reduction if FDI is performed in countries whose economies are low correlated to MNCs home country economy.

Wednesday, 13 November 2019

Existentialists: I Am Me, And You Are You :: essays research papers

Existentialists: I Am Me, and You Are You   Ã‚  Ã‚  Ã‚  Ã‚  Existentialists view mankind as individuals whose unique past experiences establish personal characteristics that set all of us apart. This idea can be best expressed in an intuitive statement by a celebrated individualist, Tarzan. â€Å"Me Tarzan, you Jane† is at the nucleus of the beliefs of the existential atom. This seemingly simplistic statement relates to existentialism by leading us to the idea of man's individualism, guiding us to belief of existence before essence and ushering us to the notion of freedom of choice. These three beliefs can then be related to the characters in the existential writer Jean-Paul Sartre's â€Å"No Exit.†   Ã‚  Ã‚  Ã‚  Ã‚  At first reading of this statement, one notices Tarzan's word choice. â€Å" Me Tarzan, you Jane† implies that Tarzan and Jane are not one and the same. Instead, they are two different people who lead very different lives. Tarzan, the Ape Man, is by nature different than his newfound lady friend. Existentialists would further this train of thought to say that since people are always different, they can never be the same. They would then argue that every person is an individual, not a copy from a predetermined mold. Jean-Paul Sartre also portrays his characters as individuals, not carbon copies of each other. Garcin, a soldier who went AWOL, certainly lived a different life than the baby- killer Estelle.   Ã‚  Ã‚  Ã‚  Ã‚  These individualistic qualities lead to us by Tarzan's statement, now guide us to the existential belief of existence before essence. This idea consists of the belief that people are formed from their own unique past experiences. Tarzan, a lonely boy who was raised by a pack of gorillas, has not experienced the touch of mankind. His isolation from the world is completely opposite from that of Jane's past. Jane, a women raised in the indulgence of the modern day, has experienced many unique events that have made her what she is. Jane can never know what is like to be Tarzan because she can never experience what he has gone through. Likewise, Tarzan, the Ape Man, can never experience what it is like to be Jane because he can never live through the unique events of Jane's past. Sartre also gives us characters with very unique backgrounds. Garcin can never experience the troubled past that Inez had and Inez in turn can never understand why Garcin needs to be told he is not a coward.   Ã‚  Ã‚  Ã‚  Ã‚  After now understanding that existentialists view people as individuals who have unique past experiences that make them who they are, existentialists would now usher us to the notion of each character's freedom of choice. Existentialists: I Am Me, And You Are You :: essays research papers Existentialists: I Am Me, and You Are You   Ã‚  Ã‚  Ã‚  Ã‚  Existentialists view mankind as individuals whose unique past experiences establish personal characteristics that set all of us apart. This idea can be best expressed in an intuitive statement by a celebrated individualist, Tarzan. â€Å"Me Tarzan, you Jane† is at the nucleus of the beliefs of the existential atom. This seemingly simplistic statement relates to existentialism by leading us to the idea of man's individualism, guiding us to belief of existence before essence and ushering us to the notion of freedom of choice. These three beliefs can then be related to the characters in the existential writer Jean-Paul Sartre's â€Å"No Exit.†   Ã‚  Ã‚  Ã‚  Ã‚  At first reading of this statement, one notices Tarzan's word choice. â€Å" Me Tarzan, you Jane† implies that Tarzan and Jane are not one and the same. Instead, they are two different people who lead very different lives. Tarzan, the Ape Man, is by nature different than his newfound lady friend. Existentialists would further this train of thought to say that since people are always different, they can never be the same. They would then argue that every person is an individual, not a copy from a predetermined mold. Jean-Paul Sartre also portrays his characters as individuals, not carbon copies of each other. Garcin, a soldier who went AWOL, certainly lived a different life than the baby- killer Estelle.   Ã‚  Ã‚  Ã‚  Ã‚  These individualistic qualities lead to us by Tarzan's statement, now guide us to the existential belief of existence before essence. This idea consists of the belief that people are formed from their own unique past experiences. Tarzan, a lonely boy who was raised by a pack of gorillas, has not experienced the touch of mankind. His isolation from the world is completely opposite from that of Jane's past. Jane, a women raised in the indulgence of the modern day, has experienced many unique events that have made her what she is. Jane can never know what is like to be Tarzan because she can never experience what he has gone through. Likewise, Tarzan, the Ape Man, can never experience what it is like to be Jane because he can never live through the unique events of Jane's past. Sartre also gives us characters with very unique backgrounds. Garcin can never experience the troubled past that Inez had and Inez in turn can never understand why Garcin needs to be told he is not a coward.   Ã‚  Ã‚  Ã‚  Ã‚  After now understanding that existentialists view people as individuals who have unique past experiences that make them who they are, existentialists would now usher us to the notion of each character's freedom of choice.

Monday, 11 November 2019

Food Security of Bangladesh Essay

Though they have taken so many initiatives for food security recently, but those are not sufficient comparatively to our growing population. Although food grain is more available in good harvest years, Bangladesh as a whole still has a very low level of nutrition. This means many households and individuals do not eat a balanced, nutritious diet, even in good years. According to the World Bank, approximately 33 million of the 150 million people in Bangladesh cannot afford an average daily intake of more than 1800 kilocalories (the minimum standard for nutrition as set by the World Food Program). For people in most developing countries, the daily calorie average is 2,828. In Bangladesh, that average is only 2,190. Poverty is the major factor effecting food security in Bangladesh. Despite the impressive increases in food grain, around half of Bangladeshis remain below the established food based poverty line. And, as many as one third are living in extreme poverty and severely undernourished. Recent food price increases, regular natural disasters, and strains on the global economic market have caused additional destabilization. Bangladesh is a agricultural land. And our country comprises 30% of GDP by producing food. Rice is our main food and our population requires 55. 0 million tons of rice per year. However our country is now producing 27. 32 million tons for more than 140 million people (BBS and DAE, 2007). Though the growth of productivity goes up, but these growths of productivity cannot reduce the poor people’s hunger of our country. Without rice, Bangladesh cultivates other crop, vegetables and fruits. Though having natural calamities production of these things are well. But to distribute all over the country Bangladesh has to import some. And for this reason market price of these foods remain high for some corrupted business, tax and for unplanned steps of government. For this reasons people of our country suffer a lot recently. Not only this, imbalanced and unequal livelihood is quite responsible for food security. There are so many rich peoples in Bangladesh who leads luxurious life, eat rich and expensive and at the same time waste a lot. And they don’t have any concern about the poor people of their country!

Saturday, 9 November 2019

Psychology and Family Law Essay

Introduction: The Rise in Divorce Rates.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Rasul began his paper on the economics of child custody with an observation and analysis of the American family. For him, the last thirty years had been witness to dramatic transformations involving the American family (Rasul, 2006, 1).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   This dramatic change since the 1970s consists in the composition of American families. Where thirty years ago, more than half of the American families consisted of a father, mother, and child or children, today such composition only forms one in five families (Rasul, 2006, 1).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Such significant change is attributed to one factor alone, which is divorce. Rasul observes that the instances of divorce have risen dramatically over the years, such that it affects more than one million children every year (Rasul, 2006, 1). In the United Kingdom, another industrialized region, forty-one percent of marriages end up in divorce within fourteen years (Lamb, Sternberg, & Thompson, 1997, 394).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   While divorce rates also increased in industrialized countries other than the United States, and the divorce rates in the United States already reached a plateau, the fact remains that the United States Bureau of Census estimated in 1992 that more than forty percent of first marriages in the country is bound to end in divorce. Moreover, the relative decline in divorce rates is accompanied by an equivalent effect, which is the number of people cohabiting without marriage and nonmarital child bearing. These other arrangements cause the decline in divorce, but end in the same situation of a broken family. (Emery, Sbarra & Grover, 2005, 22).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The increase in divorce rates can also be attributed to the certain developments since the 1970s, which include the growing tolerance of society for divorce. Moreover, society is no longer strictly insistent on the maintenance of stereotypical family arrangements (D’Errico & Elwork, 1991, 104). Changes in Family Law.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   As a consequence of these dramatic changes, changes in the field of family law also occur. These changes can be found both in substantive and procedural law (D’Errico & Elwork, 1991, 104-105).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Substantive law has changed due to observations of the effects of restrictive and punitive laws on divorce. Thus, many jurisdictions already steered away from the rule that one of the spouses must have committed some transgression before they can be granted divorce. Now, the prevalent rule in most jurisdictions is in accordance with the â€Å"no-fault† doctrine. This doctrine allows married couples to file for divorce on the simple ground of â€Å"irreconcilable differences (D’Errico & Elwork, 1991, 104).†   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Another change in substantive law and policy can be found in the gender-neutral stance taken by courts in cases of divorce. The past decades illustrated a bias, manifested in the assumption that mothers have more inherent capability to take care of their children. Today, such an assumption is no longer strongly held. Rather, courts are now showing neutrality in gender and the determination of a family law case now hinges on the consideration of the â€Å"best interests of the child (D’Errico & Elwork, 1991, 104-105).†   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Another change in substantial law and policy is manifested in the observation that there is a growing predilection over self-determined divorce and child custody arrangements. This trend of change is largely attributable to the belief that divorce is a private matter that must be left amongst them to be resolved. This belief is a break away from the previous prevailing thought about the state’s interest in protecting the sanctity of marriage through the regulation of its dissolution (D’Errico & Elwork, 1991, 104).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   These changes in substantive law on divorce and family law necessarily caused changes in the procedural aspect of the law. Thus, the increased ease by which couples could seek divorce and the option of individualizing post divorce arrangements heavily increased the dockets of courts with divorce cases. This led the courts to encourage divorcing couples to find other alternative means of resolving their issues (D’Errico & Elwork, 1991, 105).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   There are also other factors that make alternative means of resolving family disputes and divorce issues more appealing. The lack of necessity for proving fault in a divorce action removed the need to adjudicate family issues. Moreover, the removal of the presumption in favor of the mother’s capability to care for the child involved courts into making a determination about vague issues, such as love and care, which could be difficult to measure in a court setting. These factors all contributed to the growing popularity of other modes of dispute resolution, such as mediation (D’Errico & Elwork, 1991, 105). Divorce Mediation.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   One such alternative mode of dispute resolution recently applied in family law is mediation. Thus, divorce mediation, under which process a neutral third party intervenes to help the couple settle their differences through negotiation, receives the most attention lately (D’Errico & Elwork, 1991, 105) especially among parents who wish to get divorced (Emery, Sbarra & Grover, 2005, 22).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   When applied to help couples arrive at self-determined arrangements on matters of divorce and child custody, mediation is believed to cause four benefits, namely, â€Å"(a) more satisfaction with the terms of agreements, (b) greater compliance with agreements, (c) less postdivorce conflict between ex-spouses, and (d) better postdivorce emotional adjustment (D’Errico & Elwork, 1991, 105).†   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Indeed, mediation posed itself as a solution to the ever-increasing rates of divorce in the Untied States, as well as an alternative to ineffective and traditional methods of dispute settlement, such as litigation (Emery, Sbarra & Grover, 2005, 22). Mediation is becoming the alternative method of dispute resolution of choice since it provides professional help to divorces, which have a high probability of getting acrimonious. Thus, there are only few couples that could manage to suffer a divorce in amicable terms. In a survey of two California counties, it was found that 24 percent of divorces therein required professional intervention, while 25 percent involved intense conflict (Emery, Sbarra & Grover, 2005, 23).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Mediation is also popular among couples seeking divorce because unlike court action or litigation, it has the ability to facilitate administration of justice and reduce cost, specifically in terms of money and time. Moreover, adversary settlement procedures are now believed to cause problems involving post separation family relationships, arising from parental conflict and divorce. (Emery, Sbarra & Grover, 2005, 23). Comparison of Divorce Mediation and Adversary Settlement.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is not uncommon for mediation to get compared from other forms of dispute settlement, such as adversary settlement. In a study conducted by Emery, Sbarra and Grover, a comparison was made between mediation and adversary settlement through random assignment (2005, 25). They randomly approached families that were interested in contested custody hearing and offered them a mediation program as an eleventh hour settlement attempt (Emery, Sbarra & Grover, 2005, 25).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   This study yielded positive results with respect to the time of settlement of issues. Thus, the authors found that cases assigned to mediation were settled in half the time that settlement using adversary settlement occurred. On the other hand, there are other studies that conclude that mediation is better over adversary settlement in terms of cost, because the former is less expensive than the latter. In addition, it was observed that there is a â€Å"trend for greater compliance with child support orders among nonresidential parents who mediated† (Emery, Sbarra & Grover, 2005, 27).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   They also observed that there are more families coming from mediation that go back in order to update or change their existing arrangements. The authors view this in a positive light, saying that parenting plans should be viewed as living agreements that must be changed in accordance with corresponding changes in the stakeholders’ lives. Such changes are best made by going back to the mediation process (Emery, Sbarra & Grover, 2005, 27).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In addition, Emery, Sbarra and Grover noticed in the follow-up sessions to their study that most of their subjects who belonged to the mediation group were more open to the idea or suggestion of changing their original agreements. They are also the ones who actually adjusted their arrangements more often than those subjects who belonged to the adversary system (Emery, Sbarra & Grover, 2005, 28).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The authors noted that the willingness of the subjects to modify their original arrangements, coupled with the actual facts of modification, is a positive finding. Aside from the fact that the changes had been far from chaotic, they prove that parents who underwent mediation had become more flexible in accommodating changes that are important in the lives of their children and their own (Emery, Sbarra & Grover, 2005, 28).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The authors also looked into another factor to compare mediation with the adversary process. This factor is party satisfaction. They noted that each kind of method of dispute settlement has certain strengths. For example, the adversary system’s known strength is that it ensures that the rights of both parties are protected. On the other hand, mediation is known for being more understanding of the feelings of the parties involved (Emery, Sbarra & Grover, 2005, 28).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   However, this main difference, which had looked so glaring before study, disappeared in view of the results that showed that mediation consistently got high rates of party satisfaction over the adversary system, even if the assessment was based on the criterion that is known for being the strength of such system. More importantly, the authors observed that such high rate of party satisfaction remains relatively unchanged among different time durations. Thus, a party may be satisfied with mediation six weeks after mediation, but surprisingly, parties remain satisfied even after a period of more than a year (Emery, Sbarra & Grover, 2005, 28). Important Elements of Mediation.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Mediation remains on the top of the list of effective methods of dispute settlement, especially in divorce rates, because it boasts of certain elements that ensure the process’ success. One such element is its capability of enlisting the cooperation of parents in order to take the long view, and consider the best interests of their children in the future (Emery, Sbarra & Grover, 2005, 32).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Considering that divorce cases often involve high conflict, open hostility, and tension, it is difficult to call upon parents to cooperate with each other. However, mediation allows parents to take a look at the future of their relationship, maybe not as a couple, but as permanent parents (Emery, Sbarra & Grover, 2005, 32).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Mediation is also effective in educating divorcing parents and couples about emotions. These emotions involve not only those felt by the couple involved, but more importantly, those of their child or children. There are several techniques by which the goal of emotional education can be achieved, but one effective way is through the mediator’s reflection of a child’s possible emotional reactions to the crisis situation using his self as a medium. For example, the mediator could say how uncomfortable and scary an experience becomes when the couple starts fighting each other. Thus, mediation allows parents to realize that their bickering actually affects the emotions of people around them, and thereby stop thinking about themselves. It is apparent therefore that mediation does not necessarily provide therapy for the emotional problems of the parties, but it allows them to understand the feelings and emotions involved in order to help them control such emotions in the best possible way and, in the process, achieve a good plan for the family (Emery, Sbarra & Grover, 2005, 33).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Finally, mediation is an effective process because it helps parties avoid treating each other as adversaries. A business-like approach such as the one commonly used in mediation allows the parties to approach issues in a distant and less emotional state. Moreover, not treating each other as adversaries avoids the road to strained relationships that only cause the wounds of the divorce to get worse (Emery, Sbarra & Grover, 2005, 34). Effects of Divorce on Children   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The trend in favor of divorce and single parenthood in industrialized countries has raised concerns about the effects of such family arrangements to children involved. Unfortunately for children, divorce often leads to negative immediate effects, such as serious emotional and psychological disturbance. Considering that psychological symptoms such as emotional disturbance, loneliness, depression, anger, helplessness, and many others are common among the parents or couples involved, it should be expected that such negative effects would be experienced more severely by the children trapped inside the crisis (Lamb, Sternberg, & Thompson, 1997, 394).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is worth noting that the difficulty of children in dealing with their parents’ divorce is aggravated by the fact that the parents involved in the crisis are often too preoccupied with their personal emotions such that they fail to give much-needed support to their children. Worse, these parents often fall in the temptation to make too much demand that worsen the situation for their children (Lamb, Sternberg, & Thompson, 1997, 395).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Another problem common to children in divorce situations is the economic problem brought about by the need to maintain two separate residences, and the common situation of mothers who are more economically-challenged than the fathers. However, such situation is avoided or minimized in cases where the parents resolve their conflicts and work out a way of providing for the educational, emotional, and economic needs of their children (Lamb, Sternberg, & Thompson, 1997, 395-396). Conclusion.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Divorce and single parenting is increasingly becoming common in industrialized regions such as the United States and the United Kingdom. This trend is caused by several factors and, in turn, causes several issues, practices, and concerns in many different levels, such as the family, children, substantive and procedural law, and alternative dispute resolution mechanisms (Rasul, 2006, 1; D’Errico & Elwork, 1991, 104).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Divorce causes deleterious effects on the parties. However, the negative impact of divorce is more squarely felt by the affected children who, in their tender age, are forced into adjusting and coping with the emotional stress and burden necessitated by divorce proceedings (Lamb, Sternberg, & Thompson, 1997, 394).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Such hardships could be minimized by different factors, such as cooperation between parents in providing emotional, economic and educational support to their children. Parents also have the option of minimizing or totally avoiding antagonism and hostility in the divorce proceedings by choosing to undergo mediation rather than court litigation. Indeed, mediation provides many advantages and avoids the stress involved in court action (Emery, Sbarra & Grover, 2005, 22). References D’Errico, M. G. & Elwork, A. (1991). Are Self-Determined Divorce and Child Custody   Ã‚   Agreements Really Better? Family and Conciliation Courts Review 29(2), 104-  Ã‚   113.  Emery, R. E., Sbarra, D. & Grover, T. (2005). Divorce Mediation: Research and Reflections. Family Court Review 43(1), 22-37.  Lamb, M. E., Sternberg, K. J., & Thompson, R. A. (1997). The Effects of Divorce and    Custody Arrangements on Children’s Behavior, Development, and Adjustment.   Ã‚  Ã‚  Ã‚   Family and Conciliation Courts Review 35(4), 393-404.  Rasul, I. (2006). The Economics of Child Custody. Economica 73, 1-25.

Wednesday, 6 November 2019

Pre-Pottery Neolithic - Farms and Feasts Before Pottery

Pre-Pottery Neolithic - Farms and Feasts Before Pottery The Pre-Pottery Neolithic (abbreviated PPN and often spelled as PrePottery Neolithic) is the name given to the people who domesticated the earliest plants and lived in farming communities in the Levant and Near East. The PPN culture contained most of the attributes we think of Neolithicexcept pottery, which was not used in the Levant until ca. 5500 BC. The designations PPNA and PPNB (for Pre-Pottery Neolithic A and so forth) were first developed by Kathleen Kenyon to use at the complex excavations at Jericho, which is probably the best known PPN site. PPNC, referring to the terminal Early Neolithic was first identified at Ain Ghazal by Gary O. Rollefson. Pre-Pottery Neolithic Chronology PPNA (ca 10,500 to 9,500 BP) Jericho, Netiv Hagdud, Nahul Oren, Gesher, Dhar, Jerf al Ahmar, Abu Hureyra, Gà ¶bekli Tepe, Chogha Golan, BeidhaPPNB (ca 9,500 to 8200 BP) Abu Hureyra, Ain Ghazal, Çatalhà ¶yà ¼k, Cayà ¶nà ¼ Tepesi, Jericho, Shillourokambos, Chogha Golan, Gobekli Tepe PPNC (ca 8200 to 7500 BP) Hagoshrim, Ain Ghazal PPN Rituals Ritual behavior during the Pre-Pottery Neolithic is quite remarkable, indicated by the presence of large human figurines at sites such as Ain Ghazal, and plastered skulls at Ain Ghazal, Jericho, Beisomoun and Kfar HaHoresh. A plastered skull was made by modeling a plaster replica of skin and features onto a human skull. In some cases, cowry shells were used for eyes, and sometimes they were painted using cinnabar or other iron-rich elements. Monumental architecturelarge buildings constructed by the community for use as gathering spaces for those communities and allied peoplehad its very first beginnings in the PPN, at sites such as  Nevali Çori and Hallan Çemi; hunter-gatherers of the PPN also constructed the significant site of  Ã¢â‚¬â€¹Gà ¶bekli Tepe, an apparently nonresidential structure built for ritual gathering purposes. Crops of the Pre-Pottery Neolithic Crops domesticated during the PPN include the founder crops: the cereals (einkorn and emmer wheat and barley), the pulses (lentil, pea, bitter vetch, and chickpea), and a fiber crop (flax). Domesticated forms of these crops have been excavated at sites such as Abu Hureyra, Cafer Hà ¼yà ¼k, Cayà ¶nà ¼ and Nevali Çori. In addition, the sites of Gilgal and Netiv Hagdud have produced some evidence supporting the domestication of fig trees during the PPNA. Animals domesticated during the PPNB include sheep, goats, and possibly  cattle. Domestication as a Collaborative Process? A recent study at the site of Chogha Golan in Iran (Riehl, Zeidi and Conard 2013) has provided information concerning the apparently wide-spread and perhaps collaborative nature of the domestication process. Based on the exception preservation of the botanical remains, the researchers were able to compare the Chogha Golan assemblage to other PPN sites from all over the Fertile Crescent and extending into Turkey, Israel and Cyprus, and have concluded that there might very well have been inter-regional information and crop flow, which might account for the nearly simultaneous invention of agriculture in the region. In particular, they note that crop domestication of seed plants (such as emmer and einkorn wheat  and barley) seems to have arisen throughout the region at the same time, leading the Tà ¼bingen-Iranian Stone Age Research Project (TISARP) to conclude that inter-regional information flow must have occurred. Sources This Guide to Prehistory is part of the About.com Guide to the Neolithic and the Guide to European Prehistory. Garrard AN, and Byrd BF. 2013. Beyond the Fertile Crescent: Late Palaeolithic and Neolithic Communities of the Jordanian Steppe. The Azraq Basin Project. Oxford: Oxbow Press.Goren Y, Goring-Morris AN, and Segal I. 2001. The Technology of Skull Modelling in the Pre-Pottery Neolithic B (PPNB): Regional Variability, the Relation of Technology and Iconography and their Archaeological Implications. Journal of Archaeological Science 28(7):671-690.Haber A, and Dayan T. 2004. Analyzing the process of domestication: Hagoshrim as a case study. Journal of Archaeological Science 31(11):1587-1601.Hardy-Smith T, and Edwards PC. 2004. The Garbage Crisis in prehistory: artefact discard patterns at the Early Natufian site of Wadi Hammeh 27 and the origins of household refuse disposal strategies. Journal of Anthropological Archaeology 23(3):253-289.Kuijt I. 2000. People and Space in Early Agricultural Villages: Exploring Daily Lives, Community Size, and Architecture in the Late Pre-Pottery Neolithic. Journal of Anthropological Archaeology 19(1):75-102. Lev-Yadun S, Abbo S, and Doebley J. 2002. Wheat, rye, and barley on the cob? Nature Biotechnology 20(4):337-338.Pinhasi R, and Pluciennik M. 2004. A Regional Biological Approach to the Spread of Farming in Europe: Anatolia, the Levant, South-Eastern Europe, and the Mediterranean. Current Anthropology 45(S4):S59-S82.Riehl S, Pustovoytov K, Weippert H, Klett S, and Hole F. 2014. Drought stress variability in ancient Near Eastern agricultural systems evidenced by d13C in barley grain. Proceedings of the National Academy of Sciences 111(34):12348-12353.Riehl S, Zeidi M, and Conard NJ. 2013. Emergence of agriculture in the foothills of the Zagros mountains of Iran. Science 341:65-67.

Monday, 4 November 2019

Comparison of my manifesto and Hugo ball manifesto Research Paper

Comparison of my manifesto and Hugo ball manifesto - Research Paper Example As one of the most adorable artists in today’s world of researchers, and through his piecework directed to artistically, he has articulated various researches based on description of philosophical meaning and usually terming it as â€Å"my problem, my life, my suffering.† All this started when he begun to write his Friedrich Nietzsche dissertation. Hugo’s manifesto is justified just from his top-notch researches he has ever delivered. First and for most, Hugo anticipated intense studies mechanism, one of the articulation that I intend to administer and keep at bay as my top-notch manifesto. From his autobiography, Hugo Ball intensified himself by reading widely basing understanding norm on the various systems of thought. This was through German moral philosophy he learnt, with modern psychoanalysis, without forgetting Russian anarchism and Indian as well as Christianity mysticism. Reading widely to get knowledge is one of my manifestos I entail to employ since th rough this I see my artistically work grows widely and be among the top-notch artists with outstanding research work adopted within my policy. Hugo in his work as an artist provided an aspect of Dada movement probably in Zurich and his philosophical roots of his revolt emphasized this. I intend to adopt the cultural and norm to propel my manifesto towards success. In consideration of my culture and the surrounding environment, I believe that my policy will be availed accordingly, based on my experience and surrounding environment which affects anyone both internally and externally. Hugo Ball explains and justifies well the principles of Dada movement, bringing in the aspect Dadaism that explains why the anticipation has huge impact between the artists and other people as well. Motivational and social transformation is one of my Manifestos I intend to use as an artist. In comparison with my manifesto, Hugo also anticipated an aspect of motivational and social transformation norm in h is work. This is evident from the fact that Hugo Ball gives out a motivational and inspiration to upcoming artists by starting that â€Å"The reason for this huge impact is that it is very different that the â€Å"art† known for years. It is against everything in art. The name of this movement is very simple. It has different meanings in different languages.† This is evident further especially after learning that â€Å"The use of such an ordinary and simple word also refers to not being captivated by the rules and norms in every aspect of life. This means that the simplification should be valid in every aspect such as the name of the movement. It also rejects the use of word invented by others; they want to use their own inventions of words.† (Ball 10-13). Visual Arts and Film Studies generally require extensive and diverse knowledge from various levels of life hierarchy and well versant with current issue at hand. I intend to bring out lively articulation in ar t by initiating current issues that will in turn involve the technology being availed and in support with traditional point of view within my manifesto. This will be through written books that oversee the past and the present. Hugo Ball also used this manifesto articulation by ensuring that all the information were written down before being presented which brought about coherence and a sense of feelings as far as artistically work is of concern. â€Å"He began writing a book on Bakunin that would continue to occupy him for the rest of his life. At the beginning of the manifesto, Hugo Ball explains these meanings. In French, it means hobbyhorse, in German it means good-bye and in Romanian it means â€Å"yes, definitely right. As it can be seen it is such a

Saturday, 2 November 2019

A Case Study Of A Small Business And A Reflection On A Program Of Essay

A Case Study Of A Small Business And A Reflection On A Program Of Reading I Have Implemented For The Course - Essay Example Simpson et al. (2011) noted that the use of internet technology is a fairly recent development in small business. They said further that in recent years, more and more small businesses are using internet technology. I tried to find a small business firm that appear to have acquired a wide global reach and yet continued to be a small business. I am interested to find out how a small business firm can do it and yet remain in the category of being a small business. For me such a case is important: the case can provide lessons on how one can have a global reach despite being small or despite being initially small. Towards the end of this work, I will be saying that being small is actually a business strategy for Marketii. Being small is a business decision and strategy that will allow her the greatest chances for survival and resilience in the competitive business world. This realization is an eye-opener that created in me a strong belief that the study of small business firms must reall y include the study of firms like Marketii: SMALL but the decision to be small is actually the result of a business strategy that will allow the firm to acquire the greatest profitability, chances of survival, resilience, and success. There are several ways of defining a small business. However, the way Marketii is being operated defies the expectations suggested from the definitions of Simpson et al. (2011) and D’Amboise & Muldowney (1988).... irms must really include the study of firms like Marketii: SMALL but the decision to be small is actually the result of a business strategy that will allow the firm to acquire the greatest profitability, chances of survival, resilience, and success. There are several ways of defining a small business. However, the way Marketii is being operated defies the expectations suggested from the definitions of Simpson et al. (2011) and D’Amboise & Muldowney (1988). Marketti’s small business structure may be a way of implementing downsizing as a business strategy (Appelbaum et al. 1999). 2. Study Method Because my means and resources are limited and also because I anticipated that business firms like Marketii would be strongly protecting its business secrets, I decided to employ a study method that would allow me to get a large amount of details on a firm by using records and data that are widely accessible to the public. In particular, I maximized the use of the internet for get ting data on Marketti. On hindsight, I believe I have not been wrong on my decision because the data that I have acquired on Marketii allowed me to have a very good and in-depth idea of how Marketii is being managed and on how firms like Marketii, small and yet conducting international operations, are being operated. The study method that I have employed is not inferior because in the process of studying Marketii by using data that are available to the public, I have obtained this important insight for small business: some of the small businesses that we actually see operating in the world of business are small not primarily because the business owners have capital constraints but they are small primarily because it is the business owner’s decision to keep their business small so it would be