Looking to the future Essay Example for Free

Looking to the future Essay The reason for this task is to recognize and depict my own, proficient and scholastic objective, apply the Smart Goal process and clarify every part, make how I will anticipate accomplishment in accomplishing my objectives dependent on my past constructive encounters, and my character as it identifies with being an online understudy. Getting my BA in Complimentary and Alternate Health while, going to Ashford University online will undoubtedly help with accomplishing my drawn out scholarly, individual and expert objectives. My Goals and SMART Goals Creating a course of action for progress can be testing, anyway in the wake of assessing my future, expanding on past positive encounters, I have to figure out what I need, to arrive at my drawn out objective which is to turn into a Registered Dietician by the age of 48. By beginning with my BA in Complimentary and Alternate Health I can accomplish my momentary objective. This is a multi year degree program that requires 120 credits to finish the Degree program. Before, I went to class while being a full time mother and worker. I worked extended periods of time and go to class around evening time; I had the option to finish school with an Associate Degree in Business Office Technology. This is a case of defining SMART objectives. In the wake of finishing my degree program online at Ashford University I intend to proceed with online classes at Auburn University. My drawn out objective is to accomplish my Master of Science with an accentuation in Nutrition Science. These objectives will take difficult work and duty however they are reasonable just as attainable. Responsibility and Countering Challenges Accomplishing these objectives will take responsibility, which begins with me. I am liable for my prosperity so I should have an arrangement that incorporates; defeating obstructions that may negatively affect me being fruitful in school, I should set desires for myself and meet them.

In Defense of Pit Bulls Free Essays

Kylie Colyer In Defense of Pit bulls Pit bulls are among the most misconstrued and censured (knocked) type of canines. Throughout the years, the media has been depicting them in a negative light. This sort of depiction has to a great extent been because of the misguided judgments and legends related with pit bulls. We will compose a custom paper test on In Defense of Pit Bulls or then again any comparable subject just for you Request Now Before this negative delineation of pit bulls, they were considered the â€Å"perfect caretaker dog† by kids (Holland). They were viewed as inviting in nature, steady, faithful just as non-forceful to kids and grown-ups. Be that as it may, this has since changed, particularly after 1990s when the media improperly began depicting pit bulls as savage beasts that are increasingly perilous and hurtful contrasted with other canine varieties (Coile). Because of this bogus depiction, guardians and kids have gotten progressively scared of them. They pull back with sickening dread after spotting one of them. Some force their youngsters closer with the aim of shielding them from what they accept that are lurking werewolves (Lam). As this paper will illustrate, this ought not be the situation. It will contend with regards to pit bulls by demonstrating that they are as yet the dedicated, stable, non-forceful and agreeable types of canine. Those against pit bulls and depicting them in terrible light contend that they have highlights that make them innately perilous and horrible. For instance, a few people express that pit bull breeds have locking jaws. They additionally state that they are excessively forceful towards people. It is likewise their view that pit bulls are perilous to receive, particularly on the off chance that one has no known history and parentage from a safe house or salvage isn't known (Dickey). There is additionally a far reaching legend that pit bulls are favored by individuals with unreliable rearing propensities; viably expressing that pit bulls pull in the most flippant and most noticeably terrible type of canine proprietors (Marrs). Every one of these recognitions and legends have just served to knock pit bulls and to make them ugly to most of individuals in our general public. They have likewise prompted high paces of relinquishment, torment and maltreatment of this type of pooches contrasted with some other varieties (Landau). The antagonistic depiction of pit bulls is likewise because of certain individuals utilizing them as battling hounds. They picked up this awful notoriety as right on time as 1066 AD during the England’s Norman Conquest when they would be utilized as â€Å"bullenbeissers†, a term which implies â€Å"bull biter† (Coile). During this time, they were prepared to hook onto the nose of bulls and furthermore how not to relinquish a creature until it is curbed. The utilization of pit bulls was considered as the main path through which individuals would recover control after bulls have gotten unsettled. Following the boycott of bull-teasing in the nineteenth century, the fame of canine battling expanded, particularly among the individuals who were associated with the semi criminal operations and underground organizations in the United Kingdom (Landau). The British outsiders to the United States carried this game into the nation, and they too used pit bulls for this reason. It is thus that pit bulls have proceeded with terrible notoriety throughout the years. In any case, what is once in a while referenced is the way that they were utilized as battling hounds because of their extraordinary dedication to their human proprietors (Lam). While the observations and legends above about pit bulls may give off an impression of being substantial, realities and logical proof give in any case. As indicated by an examination directed by the American Veterinary Medicine Association, there is no proof demonstrating that pit bulls are lopsidedly risky (Holland). It has additionally been built up that this variety of canine doesn't have locking jaws; they don't have unique compounds or component permitting them to bolt jaws. A correlation of their skulls to that of different types of mutts shows that they share general bone structure and have comparable attributes. It is their assurance that when chomping down on something and not effectively discharging causes them to seem like they have locking jaws (Coile). The misinterpretation that pit bulls are inalienably awful can likewise be disproved utilizing realities. It should initially be noticed that this fantasy is a generalization that is basically focused on the whole variety (Landau). When assessed on own legitimacy instead of the variety, one can without much of a stretch discover that a pit bull is really a decent canine that is naturally agreeable to people and different pooches. The contention that pit bulls are forceful towards people and different pooches is unwarranted (Marrs). Maybe the manner in which pit bulls are raised or prepared make them a forceful breed.The legends and misinterpretations related with pit bulls have made a feeling that their appropriation is perilous, particularly in the event that they have obscure parentage and history. This legend is wrong since it neglects to recognize that, much the same as people, each canine should be decided by their own conduct and character (Marrs). It likewise neglects to perceive that pit bulls that are depicting contrary practices and characters are not doing so a direct result of their tendency but since of different elements. These elements incorporate having been horrendously dismissed and mishandled previously or having been compelled to battle (Landau). Pit bulls that have been safeguarded and raised appropriately will in general show legitimate personality and conduct towards individuals. This clarification assists with tending to the next bogus depiction about pit bulls that receiving a pit bull doggy is superior to a grown-up one. Whether or not somebody embraces a pup or a grown-up one, the most significant thing is the way one treats a pit bull. One should sustain it in such a way, that empowers it to create alluring and positive qualities (Dickey). From the above conversation, it is clear that pit bulls are faithful, stable, non-forceful and agreeable types of mutts. As has been noticed, the legends and misinterpretations that have been kept alive throughout the years with respect to pit bulls and which have depicted them in awful light are unwarranted. There is no logical proof to show that those fantasies are really normal to pit bulls. Truth be told, a portion of the reasons why pit bulls increased awful notoriety, for example, being utilized as battling hounds are moored on their positive attribute of being faithful to human proprietors. Thusly, these are the qualities that ought to be depicted and not a few fantasies about them, It is additionally certain that people have a job in ensuring that pit bulls are being dealt with like different types of mutts so they create attributes and characters that are attractive and which can assist them with sustaining their devoted, stable, non-forceful and agreeable nature. Works Cited Coile, D C. Pit Bulls for Dummies. New York, NY: Hungry Minds, 2011. Dickey, Bronwen. Pit Bull: The Battle Over an American Icon. NY: A.A. Knopf, 2016. Holland, Joshua. In Defense of the Pit Bull.† 02 May, 2013, Salon TV. https://www.salon.com/2013/02/05/in_defense_of_the_pitbull_partner/Accessed 23 Mar, 2018. Lam, Stephanie. Pit Bulls. Hauppage, N.Y: Barron’s, 2012. Landau, Elaine. Pit Bulls Are the Best!Minneapolis: Lerner Publications Co, 2011. Marrs, Megan. â€Å"In Defense of Pit Bulls: Monsters or Misunderstood [Infographic].† 2018, Lifehack. ; https://www.lifehack.org/302240/barrier pit-bulls-beasts misconstrued infographic; Accessed 23 Mar, 2018. Step by step instructions to refer to In Defense of Pit Bulls, Papers

What to Write About in An Essay

What to Write About in An EssayThere are a lot of essay samples for business majors, and it can be pretty confusing to figure out what you're supposed to be writing about. But once you know what to write about, it becomes fairly easy to know what kind of a business major you are.You're not really expected to read this article in order to get your business degree. In fact, the whole essay section of your grade will probably be pretty straightforward, but the reasoning behind the essays will vary from individual to individual.Business majors aren't expected to read this article, but it can be helpful if you're curious about what the main point of each sample for business majors essay is. Business essays are required to be at least one hundred words or less, and they should be able to be easily understood.Not all the good essay examples for business majors are written in such a way that they are easy to understand. Most are written very clearly and by people who know what they're doing. If your main concern is to earn an A, then you'll be OK.Remember that you don't need to worry about getting an A in your business degree just because you took a class that required a business essay. An A in a business class doesn't mean you got the best grades. That's why it's more important to find a good essay sample for business majors and use it to your advantage.One thing to remember when writing an academic essay is that you are going to have to write something that will be published on the Internet. The essay should also be short enough that it will read well.It's important to know that there are lots of different things that you're going to have to do in order to get published on the Internet. Some of these tasks are going to be harder than others, but at least you can expect to spend some time doing them.Some of the essay samples for business majors are going to be very difficult to do, but most of them aren't going to be too hard. If you learn a few things about how to fi nd a good essay sample for business majors, then you'll be able to put together an awesome essay on your own.

Poem Analysis Essay Example

Poem analysis is an inevitable requirement of any literature or literary studies course. Hence, poem analysis essay example will be of assistance to many writers who are facing this task. Since a traditional poem analysis usually requires the consideration of the wording, verse form, and audial effect of the work on the reader, the given poem analysis essay example will demonstrate how to reach the desired goal. The Image of Flight in â€Å"Easter Wings† by George Herbert â€Å"Easter Wings† written by George Herbert in 1633 is one of the most famous works of the author. The religious poem pictures the poet’s hope for better days that will come due to the victory of Christ’s resurrection from the dead. The image of flight, which has the central role in the poem and is apparently connected with the resurrection, is expressed in the text by the combination of visual, acoustic, and verbal means skillfully implemented by Herbert. The author’s choice of the form was not coincidental as it added significant value to the meaning conveyed in the work. First, the stanzas of the poem visually resemble bird wings that instantly direct the reader to the sky and evoke the feeling of motion. Second, the length of the lines within a stanza is also an important point since the long lines describe good emotions, while the short ones are full of misery and discontent. Furthermore, to reflect the emotion of the author, the line acquires its initial length again describing a joyful flight: O let me rise As larks, harmoniously, And sing this day thy victories: Then shall the fall further the flight in me. (7-10) The visual form of the poem is strengthened by the smooth sounding of the lines that are full of assonance and alliteration. The repetition of the initial consonant or a vowel allows the reader to taste the melody of the poem. â€Å"Affliction shall advance the flight in me (20) is full of assonance, while â€Å"And still with sicknesses and shame† (12) shows the repetition of consonant â€Å"s†. The acoustic level of the poem fuels the feeling of the limitless flight. The verbal image of the bird’s flight recreates the process of the humanity rising from sin to Christ. Birds are timeworn symbols in literature that trigger associations ranging from hope and peace to death and evil omens. Therefore, this image allowed Herbert to combine the earthly and the heavenly parts of his poems. The simile â€Å"O let me rise / As larks, harmoniously, / And sing this day thy victories† (7-9) shows the beauty and harmony of the resurrection. Moreover, the author stresses the power of this phenomenon with a number of airy lexemes. In fact, there is a stable image â€Å"O let me rise† (7), which gradually transforms into the moving action of singing and flying â€Å"Then shall the fall further the flight in me† (10) and â€Å"Affliction shall advance the flight in me† (20). In conclusion, the poem â€Å"Easter Wings† expresses Herbert’s feelings about the resurrection through the image of flight, which is shown visually, audibly, and verbally. The work reveals its meaning by the form of the stanzas that resemble wings, smooth sounding that add the feeling of the gentle gliding in the sky, and the choice of â€Å"flying† lexemes. Herbert’s creation, being one of the best examples of the genre, makes the reader believe that God will not leave His people in trouble, as He is always ready to protect them with his wings.

Conceptualizing a Business Essay - 1417 Words

STATEGIC PLAN, PART I CONCEPTUALIZING A BUSINESS WILLIAMS QUIROGA BUS/475 JULY 18, 2011 TOSH STUART Abstract In this present paper, I will explain the importance of the Arcoiris daycare to the community and how this service is helpful for people that are unable to take care their children. Arcoiris Daycare was open on June 19, 2009. This home daycare provides services for children of varying ages including infants, toddlers and pre-school. Arcoiris daycare hours of operation are Monday through Friday from 8 am to 5 pm and Saturday from 9 am to 3 pm. In addition, this home daycare works together with Care4Kids, which is a government institution of the state of Connecticut that supports financially single mother. When this daycare†¦show more content†¦Arcoiris Daycare has defined their own guiding values that include different areas such as cultural, ethics and social responsibility. à ¢Ã¢â€š ¬Ã…“Corporate social responsibility is the idea that a business has a duty to serve society in general as well as the financial interest of its stockholders (Pearce, J., Robinson. R).à ¢Ã¢â€ š ¬Ã‚  The daycareà ¢Ã¢â€š ¬Ã¢â€ž ¢s social responsibility is to create and build the best way for children to handle relationships with other children. They teach children to be kind, justice, to respect each other, learning how to share the environment, and discover different experiences every day. Also, creating a free environment where children feel free to express themselves, and resolve any kind of conflicts beneficially. This daycare is responsible for the children, co-workers and the community, implementing ethics that can help to resolve any inconvenient situation in the childcare day-to-day routine with their ethical guidance. As we know ethics means to do the right thing, and for Arcoiris Daycare, this is a priority and according with their code of ethics, they need to provide responsibility and respect to children, co-workers, and parents. Taking care of children is a big responsibility and they need to have the ethical ability to resolveShow MoreRelatedConceptualizin g a Business Essays1081 Words   |  5 Pagesï » ¿ Strategic Plan Part I: Conceptualizing a Business Sweet Tooth is a bakery and party store located in Las Vegas, Nevada. What sets this bakery apart from other bakeries is the company’s artistic flair for fun and elegant designs, whether on a cake or piece of chocolate. 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Ben Jerry’s has elevated the ‘ice cream experience’ to a whole new level with their company philosophy, the product they offer and the service they provide to their customers. It is important to understand how the vision, mission and values of a company can affect the business. Lip serviceRead MoreStrategic Plan Part 1: Conceptualizing a Business Essay1287 Words   |  6 PagesStrategic Plan Part 1: Conceptualizing a Business Strategic Plan Part 1: Conceptualizing a Business Strategic planning is critical to the success of any business, especially new emerging ones. â€Å"Once a firm has committed itself to a particular strategy, its image and competitive advantages usually are tied to that Strategy†(Pearce amp; Robinson, 2009, P. 3). This strategic plan will map out the path for Bentley IT Services. The definition of the business and customers is evident in the mission

Jem s Views On Jem - 1031 Words

It has been nearly ten years since something similar this has happened. I would have never thought this day would come so soon, well at least not for my brother Jem that is. I never really thought of how it would happen or how old we would be or if I would even be there when it did happen. I have not cried so hard since Dill had told Jem and me he was being drafted and that he would not end up marrying me after all that time. Jem was only twenty-two years old, he was the only family I had left since Atticus started drinking and we had cut off all connections from Maycomb, but I never imagined I would lose Jem so soon. Jem and I moved down to Georgia when Jem was old enough to take care of me. Jem was so inspired by Atticus trying to defend a colored man back in Maycomb he chose Georgia so he could make a difference in the lives of the colored folks who needed some inspiration of their own. Although, Jem’s idea of inspiring the folks of Georgia was quite different than I though t of him. Jem convinced me to protest with him, protest that blacks should get paid as much as whites, blacks should get the same opportunities that white folks did. At first I was only going along with him because I did not know where to go, I wish I did know where to go and I knew what was going to happen and I could have avoided being at my only brother’s funeral. It all started when he met Roy Edwards at the county jail, Jem’s job did not pay enough to supply the both of us with food and shelter soShow MoreRelatedKohlbergs Theory Of Moral Development Essay1681 Words   |  7 PagesLawrence Kohlberg is best known for his theory of moral development. This is a psychological theory which Kohlberg was influenced by psychologists Jean Piaget and John Dewey stage of development. Kohlberg developed most of his ideas based on Piaget s theory of cognitive development. Accordingly, the theory of moral development consists of three levels of moral reasoning: pre-conventional , conventional, and post-conventional. Additionally, it is broken down into two stages per level. Pe-conventionalRead MoreGrowth And Maturation Into The Novel Of Kill A Mockingbird By Harper Lee1381 Words   |  6 Pagesworld where every person is for himself. The key word to describe Maycomb county is ‘realism.’ Two of the main characters named Scout Finch,and Jem Finch, learn very important life lessons that aids them along with their gradual maturity .Consequently, Harper Lee incorporates the theme of Growth and Maturation into the novel through the development of Jem and Scout. Throughout the novel, Scout learns important life lessons that help her grow and become more mature. Her first signs of maturation wasRead MoreKill A Mockingbird By Harper Lee1665 Words   |  7 Pageschildren may mature through tragic moments in their life or just through time passing. Jem and Scout are two characters in â€Å"To Kill a Mockingbird† that have matured throughout the whole novel. These two characters went through a crucial trial and had stereotyping, racism, loss and big learning moments. Jem and Scout were just like any other child but were in stages of maturing and growing up. Children including Jem and Scout mature through the influences of family, how they deal with loss and a rudeRead MoreKill A Mockingbird By Harper Lee1122 Words   |  5 Pagesinnocent characters. Scout and her older brother Jem live in the old town of Maycomb, Alabama. The two encounter different instances in which they begin to notice and question what has been occurring around them , as their father Atticus takes on a case. Harper Lee depicts how innocence fades as children grasp the painful realities they experience when Scout and Jem face harsh criticisms, are helpless against atrocities, and realize a new perspective. Jem is pressured when Mrs. Dubose denunciates AtticusRead MoreKill A Mockingbird By Harper Lee1322 Words   |  6 Pagesreality of society. In addition, her younger brother Jem also learns from his experiences, as he gains a new perspective and point of view from others. Scout and Jem also grow from their encounter and relation with Boo Radley. The two siblings both go through an emotional growing up development, as they learn from past experiences and see the world in a different way. One will lose their innocence from experiences that will change their point of view of things, but also gain wisdom and knowledge as itRead MoreAnalysis Of The Book Scout Arrives 1545 Words   |  7 PagesPick a quote from the novel that has a significant meaning for you. Explain it. What is the author’s purpose in this selection? â€Å"You never really understand a person until you consider things from his point of view . . . until you climb into his skin and walk around in it.†- Atticus Finch In chapter 2 Scout arrives home from her first day of school upset, and see’s Atticus for advice. Scouts’ first grade teacher Miss Caroline kindly offers Walter Cunningham money for lunch. When Walter refusesRead MoreTo Kill A Mockingbird Character Analysis861 Words   |  4 Pagesthe moral teaching or practical lesson contained in a fable, tale, experience, etc. Jem and Scout, in the book To Kill A Mockingbird, are two siblings who befriend a young boy named Dill. Throughout the book, these three learn valuable lessons from Jem and Scout’s father, Atticus, and many other characters. Mrs. Dubose, an important character, is rude and does not agree with Atticus’s views. She tells Jem this and Jem gets very angry and tears up her beautiful camellia, Snow-on-the-Mountain. As a resultRead MoreSymbolism And Metaphors Of Kill A Mockingbird By Harper Lee1230 Words   |  5 Pagesto be aware of the immoral actions around her but not to accept them. Prejudice corr upts a child’s progression of innocence to maturity, but Atticus keeps his children from assuming the attitudes of the townspeople. When Scout begins to notice the views of her peers and those around her, she is confused by people’s prejudice overruling their judgement. An example of this is when Scout asks permission to invite Walter Cunningham over to the house for the night but is denied by Aunt Alexandra who saysRead MoreThe Transition Of Childhood Adulthood1421 Words   |  6 PagesAlthough it is set in the late 1930’s, similarly to adolescents today, the characters are constantly adapting to new situations and becoming more mature. Children like Jem and Scout Finch grow from single-minded youngsters, to seasoned individuals that think with perspective, like their father. Through court-cases, medical issues, and altercations, Jem’s experiences in, To Kill a Mockingbird, help him grow and cross the border from adolescence to adulthood. As Jem learns to be understanding and empatheticRead MoreThe Equal Rights Movement Of Kill A Mockingbird, By Harper Lee Essay1378 Words   |  6 Pagesshe comes of age. She s a tomboy and doesn t accept her new place in society. She is usually manipulated by her older brother into doing things she may not want to do. Jem Finch (Full name: Jeremey Atticus Finch), Scout s older brother who is obsessed with the story of Boo Radley. He risks his safety to see Boo. Jem can be a bossy character that sometimes takes control of his sister, and thinks he is justified due to his age. Jem also finds many loopholes in his father s rules and exploits them

Natural Monopoly Regulated Government †Free Samples to Students

Question: Discuss about the Natural Monopoly Regulated Government. Answer: Introduction A natural monopoly is a single supplier operating under a monopoly market structure management. The production of goods or service for such a supplier is lower than in a competitive market. This monopoly has the ability to supply to the whole population since the goods are produced at the lowest possible cost (Riley, 2015). We shall see the reason as to why this suppliers costs fall as production level is increased. The aim of this research is to find out why and how the government should regulate the natural monopolies. This question will be answered by choosing the best strategy to analyze this situation. On my choice, the best strategy will be to analyze the difference between a freely operated monopoly and a regulated natural monopoly. At the end of the analysis we shall determine whether it is important to regulate the operation of this market structure or to leave it to operate freely. By regulation, it means that its the government that sets the price level for the monopoly, w hereas free operation means that price is influenced by the forces of demand and supply. The main aim of regulation is to maintain efficiency in the market by ensuring that the market is competitive (Hill, 2017). This paper shall determine the advantages of a competitive market and the disadvantages of low competition level. If the monopoly is found to carry out unfair pricing without the governments regulation, we shall come to a conclusion that government regulation is crucial. Various theories of pricing for a natural monopoly will be introduced. The theories are aimed to promote efficiency and also ensure that the supplier is able to survive in this market without making losses. The theories to be covered are; price discrimination, marginal cost pricing, peak load pricing and average cost pricing. The expectation of this research is that natural monopolies practice unfair pricing when unregulated. This research will help the policy makers on understanding the various pricing policies that should be implemented on natural monopolies at different economic conditions. Unlike in the competitive markets where the suppliers are many and price takers, the natural monopoly management is an individual supplier who is a price maker. Supply and demand in competitive markets determines the price level. The natural monopolys market power is high and thus the ability to influence the price level. The influence could either by lowering the output level. This explains why the competitive output level is very high compared to the reduced quantity level for a natural monopoly. The higher output in competitive markets enable the price charged to be lower, and the limited supply for a natural monopoly is sold at high prices. The reason why the government is expected to regulate the natural monopoly is because it want to ensure that there is increased production of goods which wouldnt be possible with the absent of regulation. It is not that a natural monopoly cannot be able to produce the competitive output, but it cannot make such a decision. However, the competi tive quantity is could still be produced by the natural monopoly if the government forced them to do so. The governments role is therefore to enhance allocative efficiency in this market. The government has to take into account some factors before regulating a natural monopoly. One of the factors is that it should ensure that there is no loss for the producer; the producer must break even in order to ensure sustained production. The ideal production level for unregulated monopoly is Q1 at MR = LRMC. This is where the corresponding price is P1. At this production level, the LRAC is below the demand curve. And since the demand curve determines the price level, the natural monopoly is making abnormal profit equal to area A (Greer, 2012). The monopoly would wish to continue enjoying the high profit and thus cannot raise its outcome beyond point Q1. Raising output would mean moving down along the demand curve; this would raise supply; in economics, an increased supply given a fixed demand level causes price to fall. The government cannot allow exploitation of consumers through high prices and thus the need to introduce regulations. Regulation may either be at the regulatory price setting level shown above or the allocative efficiency level. The advantage of competitive markets is low prices and high output level. This is illustrated in the graph below. The competitive level is at the Qoptimal level where the marginal cost cuts the demand curve at the ideal outcome point shown in the above graph. The unregulated monopoly cannot produced this quantity level and cannot produce at the ideal outcome level. However, the government may regulate the natural monopolies and force them to produce at the regulated price and produce quantity Qoptimal (Hanks, 2017). The government cannot regulate the natural monopoly and leave it to operate at that point as it can be observed that a loss is incurred if the ideal outcome is produced; this is because at this point, the average total cost is higher. The government is thus required to subsidize the natural monopoly for the losses to be incurred if quantity Qoptimal is produced at a higher cost. The compromise outcome is lower than Qoptimal but at a higher price. According to Bragg (2017) the basis for setting the price when considering the marginal cost is dependent on the market prices. The margina l costing pricing is criticized for not taking into account the fixed costs of production. Thus the price charged has to be set above the MC in order to ensure that the fixed costs of production are covered (Sanandres.esc.edu.ar, 2017). After the fixed cost are covered the extra surplus is the profit for the monopoly firm. Calculation of marginal cost is easy as it only involves the variable costs facing the natural monopoly. The price at D = MC is the efficient level as there is no deadweight loss. However since we have noted that the monopoly makes loss at this point and requires government subsidies, the government opts to use the Average cost to regulate a natural monopoly (Stein, 2017); this is at price P = AC observed above. At this point, the natural monopoly is making no losses and no economic profits (Pettinger, 2012); the profit made is normal. However, we can observe that there is a dead weight loss since there is a reduction of output from the efficient level and increase in price from the competitive price. Pettinger also noted that Average cost pricing is applicable mostly in competitive markets since it ensures that the profit made is normal profit. He argued that estimation of a firms average cost is a difficult task as it includes all the costs facing a firm (the total costs of a firm). This is different from the marginal cost that only involves the variable costs. On other words, this pr icing strategy is referred to as sales maximization which is contrary to profit maximization. The goal is to ensure that the market share is increased. The first customers are charged a higher price P1 and the natural monopoly makes a huge economic profit represented by the area named profit on the above diagram. The next set of customers are charged the efficient price P2 and the monopoly makes a profit represented by the area named Loss. When the analysis is done by combining the two areas, the natural monopolies profit may be zero or positive. So far, this seems to be the only pricing strategy where the natural monopoly have a possibility of making an economic profit while still under regulation. There are several instances where the government should allow price discrimination.e.g. For peak load pricing. Peak Load Pricing This is a form of price discrimination where the basis in not on market locations but on seasons or business cycles. The resources for producing goods are limited and thus sometimes the demand in the economy exceeds the quantity supplied (Schindler, 2012). There are many factors that could stimulate demand in certain periods such as climate management. The demand for a certain product may be high during the summer and lower during the winter. The excess demand will create a shortage which could only be eliminated by raising prices so as to discourage some demand in order for an equilibrium between demand and supply to be obtained (Knieps, 2015). In order to avoid the problem of excessive demand over supply, the government should allow the natural monopoly to raise the price during these peak seasons. However, the government should ensure that the prices are lowered during the low demand season again to prevent the issue of oversupply. This strategy is mostly used in utilities pricing e.g. electricity (Moschandreas, 2000). The demand for electricity is lower during the day and thus an excess supply over demand. The price charged during the day are thus maintained at a lower level. During the night, the demand for electricity is very high and thus a higher price is charged to limit the excess demand. Some of the other areas where peak load pricing is practiced is on the postal services, hotels, telecommunication industry, resorts, movies theaters, bars and clubs, restaurants, etc. Conclusion Price discrimination is the best pricing strategy for a natural monopoly as it would boost the social welfare since the price charged in the markets is only what a consumer is able to afford. This pricing strategy is better than all other strategies; this is because regulations by the government may be costly for the government, or may be more beneficial to some consumer group and a disadvantage to other consumer groups. For instance, those earning big incomes would benefit much buying at the efficient price whereas it would be costly for the government to subsidize the losses incurred. On the other hand, average pricing may also benefit those earning big incomes, save the government its subsidy costs, but would be a disadvantage to those who earns small incomes as they will be forced to pay a price greater than the efficient price. The question is; will the natural monopoly employ fair pricing if allowed to price discriminate? We know that they are bound to deviate from this strategy and charge higher prices also to those will small income. The government could set up conditions for price discrimination of which should be monitored regularly to ensure that the natural monopolies charge fair prices in all the markets through price discrimination. While it is believed that the natural monopoly would be more efficient if employed price discrimination and produced the efficient output, government regulation is crucial in ensuring that they do not deviate from this strategy by becoming profit-oriented. The fair price regulated on natural monopolies are still inefficient as the optimal competitive level of output is not achieved; the fair price is P = ATC. The natural monopolies depend on the subsidies the government provide when they are regulated to operate at a price equal to their marginal cost. There are challenges in using the Average Cost Pricing since the calculation of the total cost for a firm which is used in estimating the ATC is a difficult task. The government cannot rely on the information provided by the natural monopoly as it may be manipulated and thus should consider using other pricing strategies identified in the paper. References Bragg, S. (2017). Marginal cost pricing. AccountingTools. Retrieved 31 August 2017, from https://www.accountingtools.com/articles/2017/5/16/marginal-cost-pricing. Econ.iastate.edu. (2017). Regulation of Monopoly. Econ.iastate.edu. Retrieved 30 August 2017, from https://www2.econ.iastate.edu/classes/econ101/choi/ch13monD.htm. Greer, M. (2012). Electricity marginal cost pricing: Applications in eliciting demand responses. Waltham, MA: Butterworth-Heinemann. Hanks, G. (2017). Examples of Marginal Pricing. Smallbusiness.chron.com. Retrieved 31 August 2017, from https://smallbusiness.chron.com/examples-marginal-pricing-69593.html. Hill, A. (2017). Natural Monopoly in Economics: Definition Examples. Study.com. Retrieved 31 August 2017, from https://study.com/academy/lesson/natural-monopoly-in-economics-definition-examples.html. Kelly, Jenny. (2012). Natural Monopoly. Kellyandjenny. Retrieved 30 August 2017, from https://kellyandjenny.wordpress.com/2012/01/15/natural-monopoly/. Knieps, G. (2015). Network economics: Principles - strategies - competition policy. Cham: Springer. Moschandreas, M. (2000). Business economics (2nd Ed.). London [u.a.]: Business Press. Pettinger, T. (2012). Average Cost Pricing. Economicshelp.org. Retrieved 31 August 2017, from https://www.economicshelp.org/blog/glossary/average-cost-pricing/. Riley, G. (2015). Explaining Natural Monopoly. tutor2u. Retrieved 31 August 2017, from https://www.tutor2u.net/economics/reference/natural-monopoly. Sanandres.esc.edu.ar. (2017). Marginal cost pricing. Sanandres.esc.edu.ar. Retrieved 31 August 2017, from https://www.sanandres.esc.edu.ar/secondary/Marketing/page_150.htm. Schindler, R. (2012). Pricing strategies: A marketing approach. Thousand Oaks, Calif: Sage Publications, Inc. Stein, R. (2017). Natural Monopoly: Regulation through Average Cost Pricing. Coursera. Retrieved 31 August 2017, from https://www.coursera.org/learn/microeconomics-part2/lecture/bBnuG/3-1-7-natural-monopoly-regulation-though-average-cost-pricing. Velasco, Z. (2014). Monopoly. Slideshare.net. Retrieved 30 August 2017, from https://www.slideshare.net/oOvaniLLaOo/15-monopoly-1.

Aristotle Essays (1720 words) - Philosophy Of Life,

Aristotle Let us again return to the good we are seeking, and ask what it can be. It seems different in different actions and arts; it is different in medicine, in strategy, and in the other arts likewise. What then is the good of each? Surely that for whose sake everything else is done. In medicine this is health, in strategy victory, in architecture a house, in any other sphere something else, and in every action and pursuit the end; for it is for the sake of this that all men do whatever else they do. Therefore, if there is an end for all that we do, this will be the good achievable by action, and if there are more than one, these will be the goods achievable by action. So the argument has by a different course reached the same point; but we must try to state this even more clearly. Since there are evidently more than one end, and we choose some of these (e.g. wealth, flutes, and in general instruments) for the sake of something else, clearly not all ends are final ends; but the chief good is evidently something final. Therefore, if there is only one final end, this will be what we are seeking, and if there are more than one, the most final of these will be what we are seeking. Now we call that which is in itself worthy of pursuit more final than that which is worthy of pursuit for the sake of something else, and that which is never desirable for the sake of something else more final than the things that are desirable both in themselves and for the sake of that other thing, and therefore we call final without qualification that which is always desirable in itself and never for the sake of something else. Now such a thing happiness, above all else, is held to be; for this we choose always for self and never for the sake of something else, but honour, pleasure, reason, and every virtue we choose indeed for themselves (for if nothing resulted from them we should still choose each of them), but we choose them also for the sake of happiness, judging that by means of them we shall be happy. Happiness, on the other hand, no one chooses for the sake of these, nor, in general, for anything other than itself. From the point of view of self-sufficiency the same result seems to follow; for the final good is thought to be self-sufficient. Now by self-sufficient we do not mean that which is sufficient for a man by himself, for one who lives a solitary life, but also for parents, children, wife, and in general for his friends and fellow citizens, since man is born for citizenship. But some limit must be set to this; for if we extend our requirement to ancestors and descendants and friends' friends we are in for an infinite series. Let us examine this question, however, on another occasion; the self-sufficient we now define as that which when isolated makes life desirable and lacking in nothing; and such we think happiness to be; and further we think it most desirable of all things, without being counted as one good thing among others- if it were so counted it would clearly be made more desirable by the addition of even the least of goods; for that which is added becomes an excess of goods, and of goods the greater is always more desirable. Happiness, then, is something final and self-sufficient, and is the end of action. Presumably, however, to say that happiness is the chief good seems a platitude, and a clearer account of what it is still desired. This might perhaps be given, if we could first ascertain the function of man. For just as for a flute-player, a sculptor, or an artist, and, in general, for all things that have a function or activity, the good and the 'well' is thought to reside in the function, so would it seem to be for man, if he has a function. Have the carpenter, then, and the tanner certain functions or activities, and has man none? Is he born without a function? Or as eye, hand, foot, and in general each of the parts evidently has a function, may one lay it down that man similarly has a function apart from all these? What then can this be? Life seems to be common even to plants, but we are seeking what is peculiar to man. Let us exclude,

Inspirational and Motivational Team Quotes

Inspirational and Motivational Team Quotes Motivational quotes can be used in many different ways and can be shared through aloud or in written form. Coaches, managers, directors, and human resources professions lead, inspire, and direct their teams with quotes from major figures in literature, politics, sports, entertainment, and philosophy. How and When to Use Inspirational Quotes Its important to use the right quote at the right time in the right way. While the right quote can inspire, the wrong one can backfire badly.   Do use inspirational quotes... ...when your team is down but is still in the process of competing. Inspirational quotes are a great tool for turning the situation around even when the competition is fierce....when your team is resting on its laurels. Its easy to feel complacent when youve just achieved an important goal, but its just as easy to allow the competition to shoot ahead and win the next round....when an individual member of your team is feeling frustrated or lacking in confidence. Avoid using inspirational quotes... ...at moment of defeat or victory, when team members are feeling too defeated or excited to pay attention or take the quote seriously....when a real and serious issue has arisen and must be resolved....when tempers are flaring or team members are very emotional. To use inspirational quotes effectively: choose a moment when team  members are emotionally reader to respond positivelyuse an appropriate means to communicate; in some cases through writing, in other cases through the spoken wordvary the quotes you use so as not to become monotonous or predictabledont respond negatively if an inspirational quote is ignored or even ridiculed. 12 Classic Inspirational Quotes GoetheThings which matter most must never be at the mercy of things which matter least. Elbert HubbardThoroughness characterizes all successful men. Genius is the art of taking infinite pains. All great achievement has been characterized by extreme care, infinite painstaking, even to the minutest detail. PlutarchTo find a fault is easy; to do better may be difficult. Steve BallesterosTo give yourself the best possible chance of playing to your potential, you must prepare for every eventuality. That means practice. Donald LairdTo handle yourself, use your head; to handle others, use your heart. Zig ZiglarTo respond is positive, to react is negative. Tony DorsettTo succeed... You need to find something to hold on to, something to motivate you, something to inspire you. George KnellerTo think creatively, we must be able to look afresh at what we normally take for granted. Stevie WonderWe all have ability. The difference is how we use it. AristotleWe are what we repeatedly do. Excellence, then, is not an act, but a habit. Michael Jordan I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times I’ve been trusted to take the game-winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed. Henry FordWhether you think you can or you think you can’t, you’re right.

Industrial Hygiene and Toxicology Essay Example | Topics and Well Written Essays - 1000 words

Industrial Hygiene and Toxicology - Essay Example An organic compound with C10H8 formula, Naphthalene is the basic form of polycyclic aromatic hydrocarbon. It as a prominent smell which can be detected at 0.8ppm by mass concentrations or even lower and it is a white crystalline solid. Its structure is made up of the complex pair of rings made by benzene. It is known as the basic ingredient for many conventional mothballs. Short-term exposure to Naphthalene causes fever, vomiting, irritation, and diarrhea. People breathe Naphthalene while working on the jobs. The permitted exposure limit of Naphthalene for General Industry is 10 ppm, or 50 mg /m3 TWA. The OSHA permitted Maritime exposure limit to 10ppm, 50 mg /m3. People also breathe this compound when there is chemical clean up as sites or people who take shower or do laundry with unhygienic water or use mothballs in the surrounding area of their house.People are also exposed to Naphthalene when they use unhygienic water for preparing their food or drinking. This hazardous chemical can get into the skin of an individual as well when they handle the chemical while working with it or playing in soil; also touching unhygienic water for bathing and laundry also enhances the chance of getting Naphthalene. Naphthalene is used to make many products and both consumers and workers are exposed to it at some part of the process which poses latent dangers for them. Employees should learn how to take care of themselves and take safety measures to mitigate the exposure they have with gas or liquid.

Reaction paper Essay Example | Topics and Well Written Essays - 500 words - 17

Reaction paper - Essay Example What is more, the Algebra Project’s exclusive approach to school restructuring deliberately builds up worthwhile student-focused models by constructing partnerships of stakeholders in the neighboring communities, especially the traditionally underserved populace. Ever since 2000, the Algebra project persistently afforded the environment in which schools, students, parents as well as communities took ownership of their own community development, mathematics education reform efforts, furthermore, made the most of local reserves, which now consist of middle and high grade schemes. In addition, the civil rights efforts in the 1960s concluded in the nationwide reaction to defend a basic right: the right to vote. Therefore, the Algebra’s Project present work looks for a nationwide response to institute a basic right: the right of each child to quality public school edification. Dr. Robert P. Moses is a renowned MacArthur Award-winning educator as well as a civil rights campaigner. Additionally, He is the Founder as well as President of the Algebra Project Inc, a nationwide nonprofit devoted to enhancing the mathematical accomplishment of traditionally underrepresented communities as well as students. In addition to that, in his youthful adult life, Dr. Moses was the director of SNCC’s Mississippi Project Student Non-Violent Coordinating Committee (SNCC), as well as the chief coordinator for the civil rights lobby group as field secretary for the SNCC. Additionally, He was the motivation at the back the Mississippi Summer Project of 1964 in planning the Mississippi Freedom Democratic Party (MFDP), which confronted the Mississippi regulars at the 1964 Democratic Convention. As of 1969-1976, he worked for the Ministry of Education in Tanzania, East Africa, where he served as chairperson of the math department at the school. Dr. Moses came back to the U SA in 1976 to carry on with his doctoral

Energy Drinks Essay Example for Free

Energy Drinks Essay Something I learned in my last Health class is the ever-increasing use of today’s new â€Å"Energy Drinks. † Caffeine is the single most used drug in America. How many of us must have that morning cup of coffee before heading out the door? How many college students are staying up late at night preparing for a mid-term or final exam by drink these new, all natural, safe, energy drinks? You may want to read their labels and adjust your thinking. You may want to include a little research in regards to these drinks. At this time there is no long-term research to report on in regards to energy drinks. What we do know is that these drinks have a variety of ingredients such as ginseng, amino acids, ginkgo, various vitamins, and high amounts of sugar. However, the primary active energy ingredient is caffeine. At this time, the FDA does not regulate the amounts of caffeine that are in these drinks. They suggest that within a 12-ounce beverage serving the amount of caffeine should be 68 milligrams or less. A report published by the Journal of Analytical Toxicology showed that of ten of the most popular energy drinks had as high as 141 milligrams in one 16-ounce serving. The following 12-ounce energy drinks showed, Monster at 120 milligrams, Red Bull at 116 milligrams, and Amp contained 107 milligrams of caffeine. To give a comparison, look at Coke and Pepsi. They only contain between 34 to 38 milligrams of caffeine. Energy drinks have risen significantly in popularity in the last few years with revenues exceeding $3. 5 billion a year and growing. One report states that with the new found popularity there are growing concerns of the possible health effects among children, adolescents, and young adults. It states that 30 to 50 percent of America drinks energy drinks. Of this amount they report that one third are from the ages of 12 to 24 consume these beverages on a daily basis. Due to these beverages being chilled makes them easier to consume quickly. High doses of caffeine have been linked to seizures, cardiac problems, mood or behavioral disorders, and diabetes. Additionally, these problems have been linked specifically to the consumption of energy drinks among children, teens, and young adults. There has been a growing concern amongst the medical community, parents, and school officials in regards to these energy drinks on our youth. Numerous reports are being found to the adverse affects these high caffeine drinks are responsible for. The Illinois Poison Control Center reported in a recent survey of more than 250 cases of caffeine overdose in a three-year period. The average age of these accounts was 21. A doctor from California reports that an eighteen year young man received treatment for an abnormal heart rhythm after consuming eight 16-ounce energy drinks per evening to remain alert during his night job. Another growing concern is the use of these energy drinks as a mixer with alcohol. A study from 2006 showed that the individuals surveyed were just as impaired in motor coordination and reaction time as individuals drinking alcohol alone. As stated earlier, there is not much evidence on the effects of long-term use of caffeine on children or teenagers. It is known that it can create physiological and psychological dependence in adults. This being true, we must do everything possible to protect our children from these non-regulated beverages. We need to insist on more research to be conducted in order to better inform the public of the consequences of the consumption of these highly-caffeinated energy drinks and the adverse effects they have on our youth. (Word Count 606) Flores, D. (2011, 03 16). Health Effect of Energy Drinks on Children, Adolescents, and Young Adults, Retrieved 07 12, 2012, from ArticlesBase. com: http://www. articlesbase. com/wellness-articles/health-effects-of-energy-drinks-on-children-adolescents-and-young-adults-4423299. html.

Marxist Theory and Sport Essay -- essays research papers

This essay will be an attempt to bring together the ideas from our class readings about the Marxist sociological perspective as well as insight from other readings to further my understanding of Marxism and its applications to sport. I will lay the groundwork for the theory then proceed with how his theory is applied to accessibility issues in sport, distribution of power in sport and commercialization of sport. Basics of Marxist Theory The most widely used political and ideological system of thought is that of Karl Marx. Marxism is a set of ideas trying to provide an explanation for human society. Although a little over a hundred years old his theories and thoughts have led to coups, revolutions and new waves theories and academics. As well, it is this systemic theory that has led many academics to look at the way they teach, discuss, write and even look at the way the world acts and thinks, even within their own small worlds. Within the world of sport the ideological views have no real place however it is possible to equate the views of Marx to the idea of sport. Marxism is known as the interpretation of the thoughts of Karl Marx (1813 - 1883), a German social theorist and political revolutionary. Karl Marx wanted to understand the politics, culture and economics of the newly emerging nations within Europe. He emphasized the leading role of the economy in society as a whole as well as in societal parts, known as superstructures. These superstructures are non-economic aspects of society, i.e. culture, religion, social life, education, religion, politics and social institutions. Marx identified society as consisting of two classes: The so-called Bourgeoisie and the so-called Proletariat. The Bourgeoisie is a capitalistic, wealthy and powerful minority consisting of aristocracy and upper class members meanwhile the Proletariat, also known as working-class, holds the majority of societal members who are poor, semi- or unskilled workers. The Bourgeoisie owns the entire means of production and wealth, therefore they are powerful and hegemonic. Thei r hegemony is maintained because only they have access to the financial and productive means. Their ideologies, i.e. their thoughts and beliefs, are hegemonic and influencing as they have the power to establish them in society (Rigauer, 2000). In contrast, the Proletariat is alienated from and by the Bourgeoisie. Th... ... of sport in our society still cannot be ignored. Thus, giving his theory partial credibility in my opinion. While I struggled to understand how this information could be used directly in the field of sport administration, in the end, I have learned that simply being aware of different sociological theories can help to understand why society behaves the way it does in the sport context. This application is very indirect; however, it will allow me to approach future situations with a deeper understanding of sports in society. References Rigauer, B. (2000). Marxist Theories. In J, Coakley and E. Dunning (Eds.), Handbook of Sport Studies (pp. 28-47). Thousand Oaks, CA: Sage Giddens, A. (2001) Sociology 4th ed. Cambridge. Polity Press. Haralambos, M. and Holborn, M. (2000) Sociology Themes and Perspectives 5th ed. London. HarperCollins Publishers Limited. Abercrombie, N. et al (2000) The Penguin Dictionary of Sociology 4th ed. London. Penguin Books. Manthorp, N. (2003) Guardian Unlimited Network. Feature Article. Accessed Online. Available : http://sport.guardian.co.uk/cricket/story/0,10069,870038,00.html Safai, P. (2005). Lecture Notes - APA 5304. January 18, 2005.

Book Response Burned by Ellen Hopkins Essay

Burned written by Ellen Hopkins Is a great novel, and worth the time to read. Burned is about a teen girl who was born and raised a Mormon; Pattyn Von Stratten she is like most teenagers growing up. Her family is extremely religious but in the same prospective her father is a drunk and very abusive. Pattyn is tired of living the fairytale of a Mormon lifestyle and ready to be energized with her own free spirit and way of life. Pattyn slowly starts to rebel against her family, school, church. While her father spends most of his time drunk; its left up to her mother to take care of the house hold and make sure everything is all in perfect running order to not upset Pattyn’s father. Pattyn begins rebelling even more so than she thought it would go. She gets suspended from school and gets sent to live with her aunt who she doesn’t even know. This is the beginning of it all the worst mistake her father could have made and where Pattyn makes decisions that are about to change her life completely. Pattyn soon falls in love with a boy names Ethan who she is bound to be attached to. Pattyn doesn’t see it but she is headed down the complete wrong path and when all she wanted is attention she’s going to get much more attention that she has intended to get. Ellen Hopkins is showing the themes of abuse and dysfunctional relationship, Pattyn’s father is an abusive drunk. I also think Hopkins is showing the theme of growing up and finding your destiny and who you are, when Pattyn is sent to live with her aunt in Nevada and basically create a whole new agenda for herself. Along with dysfunctional relationship, she’s displaying what love is like, too, when the character falls in love. I think she’s trying to prove that life doesn’t always go as planned and you have to work yourself around the problems that you find in life, and bad decision could change your life forever. I believe the main purpose of the novel is to reach out to teens. Ellen Hopkins expresses many different themes in her novel but one main theme I believe is im portant is physiological. Pattyn goes through many different stages of growing up and expressing her true self. She becomes more social with guys and becomes more of a social butterfly then the Mormon nerd she used to be. Pattyn lashes out and rebels against her family and church in many different ways. When Pattyn is set to live with her aunt she meets a boy and which she ends up in a relationship. Pattyn starts growing up and learning more about her sexual self and starts dreaming about all the what if’s. Pattyn starts to experiment with her new boyfriend Ethan and when she goes back home she shares the secret to her family that she is pregnant. Attempting to escape her father’s wrath, Pattyn and Ethan take off for California, unaware that Trevor, a â€Å"perfect Mormon child† who loved Pattyn, has written down the car’s license plate number. When her father finds out, he calls his â€Å"Highway patrolman friend† to track them down, to find them on an icy road. Ethan speeds up in attempt to lose the patrolman, but loses control of his car and crashes. Pattyn wakes up in the hospital, to find out that both Ethan and their baby are dead. Her father disowns her, unable to bear the recent events. Pattyn is left with a life changing decision in the end; shoot and kill all those who caused her pain and Ethan and their baby’s deaths, or move on? Pattyn states that if her father would just say he loved her she would spare him. Ellen Hopkins is an amazing author and has a unbelievable way of relating to teens. Burned is just one of her fabulous novels all having a great meaning to the lives of teens. If I was asked if I would recommend Ellen Hopkins novels I would say she has a great way of reach out to teens in her books and educating them in a non-boring way and I enjoy reading and looking forward to any novel she creates.

The Financial Crisis Of 2008 - 1125 Words

A mortgage meltdown and financial crisis of unbelievable magnitude was brewing and very few people, including politicians, the media, and the poor unsuspecting mortgage borrowers anticipated the ramifications that were about to occur. The financial crisis of 2008 was the worst financial crisis since the Great Depression; ultimately coalescing into the largest bankruptcies in world history--approximately 30 million people lost their jobs, trillions of dollars in wealth diminished, and millions of people lost their homes through foreclosure or short sales. Currently, however, the financial situation has improved tremendously. For example, the unemployment rate has significantly improved from 10 percent in October of 2009 to five percent in†¦show more content†¦The Glass-Steagall Act, which was implemented in 1933, was enacted in response to the abuses by the banks prior to the stock market crash of 1929. The law separated commercial banks and investment banks: the commercial banks would be allowed to take deposits and make loans and investment brokers were allowed to underwrite and sell securities. The law worked well for the most part from 1933-1999. Then in 1999, The Gramm-Leach-Bliley Act of 1999 allowed commercial and investment banks to merge. After GLB was passed, it did not take long for the deregulation to cause many banks and Wall Street to take advantage of the situation. The banks began to generate very risky and fraudulent loans and then bundled and sold them worldwide as solid mortgage backed securities on Wall Street. Inevitably, of course, these securities catostrophically changed our world economy for the worst. Subsequently, though, a silver lining emerged iin July of 2010, the Dodd-Frank regulatory reform bill was passed to reduce the chance of this happening again. Although the Dodd-Frank reform bill is a step in the right direction, the measure does not go far enough. Many believe that the only solution is to bring back Gla ss-Steagall. Mortgage products should be more easily understood by all borrowers. Furthermore, borrowers must be able to qualify for the mortgage and borrowers should have a payment that they