...l University of Phoenix Material Personality Theories Matrix THEORY | Psychoanalytic | Neo-Freudian | Trait | Biological | Humanistic |Behavioral/ Social | Cognitive | |School of Thought (List the factors that each school believes influence personality development) |Psychosexual stages: 1.Oral-Focus on mouth and a satisfaction of sucking and biting. 2. Anal-Pleasure of anus and a concern with feces. 3.Phallic-Fear and anxiety of castration from his father because of sexual desires for one’s mother. 4. Latency-Repression of infantile sexuality. 5.Gential-Maturity of sexuality, capable of genuine love. Concepts of Mental structure: 1. Id-Basic impulses, sexual and aggressive. Impulsive and irrational. This is also known as the pleasure principle when one seeks immediate satisfaction regardless of the consciences. 2. Ego-Test reality, seeks safety and survival, rational, and logic. 3. Super-Ego-Ideal and moral, strives for perfection, dictates, incorporative, imposes limitations on satisfactions. Unconscious Conflict: This is when a person may have a fear of certain things and may use other things to describe the fear. Example: If someone was afraid of an animal that they have never been in contact with. This may be a sign of a fear that is revealed as an unconscious conflict with something they know nothing about. |Alfred Adler: Strive for superiority: Born with a sense of inferiority. Striving to overcome these deficiencies of weakness and helplessness...
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...humans act in a given situation or how they feel about their actions, play into how they conduct themselves in their personal and business affairs. Killing, raping, and stealing are examples of such obvious actions that most people would agree are unethical. This relates to the subjective belief of rather Bernard Lawrence "Bernie" Madoff should remain in prison or out on bail because of the practicing of Ponzi schemes because it lies in the not so obvious realm of behavior. Why? There is no essential difference between someone who steals $5 and someone who steals billions it is all the same, however, in the criminal justice system the belief in crimes at different levels are arranged at different social and cultural standards. White collar vs. blue collar White collar crime is particularly interesting it provides a sharp contrast to the common crimes and street criminals that usually attract the attention of people. A white-collar is associated by individual of a higher social class. Some of the crime can be characterized as any antitrust violations, computer and internet fraud, credit card fraud, phone and telemarketing fraud, bankruptcy fraud, healthcare fraud, environmental law violations, insurance fraud, mail fraud, government fraud, tax evasion, financial fraud, securities fraud, insider trading, bribery, kickbacks, counterfeiting, public corruption, money...
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...MANDATES Piec vs. Caisse d’economie polonaise (p. 59) 01-Jul-92 Date of Bad Boy’s forged mandate 15-May-92 Bad Boy gets mandate from Grandma 03-Jul-92 Grandma dies 11-Aug-92 Bad Boy gives forged mandate to bank Bad Boy comes to Canada 18-Aug-92 Bad Boy withdraws $26k payable too cash Grandma = Stephania Wojcicka Bad Boy = nephew Tadeusz Wojcicki Niece (Margaret Wojcicka) is executor of will Facts | * Three mandates: 1. Gma goes on extended trip, gives power of attorney for banking matters to Bad Boy 2. Niece has mandate as executor of the will (mandate only kicks in when Gma dies) 3. Bank has mandate for Gma’s finances * Grandma’s bank account summary: $5 membership, $1k term deposit, $26k term deposit (can’t take out until 26-Oct-92 or wil receive no interest) * Bank didn’t k6now Gma was dead when Bad Boy removed funds | Question | 1. Was bank guilty of not [2138] exercising prudence and diligence for its [2130] mandate? 2. Does the valid mandate authorize the bank to give the term deposits (no) 3. What effect should be given to the letter of july 1st (none) 4. Did the bank owe obligation to grandma, and not rely on the letter (yes, 2138) | Ratio | 1. Argument: Bank is a special type of agent, v. strong fiduciary duties; if they’ve been defrauded they are 100% liable. Answer: Bank should have been more [2138] prudent and diligent; it wasn’t prudent cash out the account, and the bank wasn’t diligent in its duty...
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...CHAPTER 2 BASIC REAL ESTATE ECONOMICS INTRODUCTION REAL ESTATE DEMAND REAL ESTATE DEMAND CONCEPTS DEMAND SENSITIVITY TO PRICE/RENT CHANGES: PRICE ELASTICITY OF DEMAND Impact of Actual Price Changes vs Expected Price Changes EXOGENOUS DETERMINANTS OF REAL ESTATE DEMAND MEASURING CHANGES IN REAL ESTATE DEMAND: ABSORPTION CONCEPTS THE SUPPLY OF REAL ESTATE REAL ESTATE SUPPLY CONCEPTS The Long-Run Aggregate Supply: Is it Relevant? The Short-Run Aggregate Supply New Construction NEW CONSTRUCTION BEHAVIOR What Determines New Construction? REAL ESTATE PRICE ADJUSTMENTS PRICE DETERMINATION MECHANISM LONG-RUN VS SHORT-RUN PRICE ADJUSTMENTS THE STOCK-FLOW MODEL: A FORECASTING TOOL ASSESSING DEMAND-SUPPLY IMBALANCES DEMAND-SUPPLY INTERACTIONS: MARKET INEFFICIENCIES ASSESSING THE EXTENT OF DISEQUILIBRIUM: POPULAR/SIMPLISTIC MEASURES Construction Minus Net Absorption (C-AB) Nominal Vacancy Rate (V) ADVANCED MEASURES/METHODOLOGIES Nominal vs Structural Vacancy (V-V*) Prevailing Rent vs Implicit Equilibrium Rent (R-R*) CHAPTER SUMMARY QUESTIONS REFERENCES AND ADDITIONAL READINGS - 30 - INTRODUCTION Urban real estate markets may be peculiar and idiosyncratic in a number of respects, but they still obey some basic economic principles: the principles of demand and supply. In what follows, we are going to elaborate on some basic/generic demand and supply concepts and demonstrate how they determine market prices. The premise is that supply and...
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...The problem is a long-standing one, going back to early observations of mass-to-light ratios by Zwicky1 . Given the distribution (by number) of galaxies with total luminosity L, φ(L), one can compute the mean luminosity density of galaxies L= which is determined to be2 L ≃ 2 ± 0.2 × 108 ho L⊙ M pc−3 (2) Lφ(L)dL (1) where L⊙ = 3.8 × 1033 erg s−1 is the solar luminosity. In the absence of a cosmological constant, one can define a critical energy density, ρc = 3H 2 /8πGN = 1.88 × 10−29 ho 2 g cm−3 , such that ρ = ρc for three-space curvature k = 0, where the present value of the Hubble parameter has been defined by Ho = 100ho km Mpc−1 s−1 . We can now define a critical mass-to-light ratio is given by (M/L)c = ρc /L ≃ 1390ho(M⊙ /L⊙ ) (3) ∗ Summary of lectures given at the Theoretical Advanced Study Institute in Elementary Particle Physics at the University of Colorado at Boulder - June 2-28, 2002. † This work was supported in part by DOE grant DE-FG02-94ER40823 at Minnesota. 1 2 which can be used to determine the cosmological density parameter Ωm = ρ = (M/L)/(M/L)c ρc (4) Mass-to-light ratios are, however, strongly dependent on the distance scale on which they are...
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...Ensco PLC Company Analysis and Sell Report Nathan Green December 2, 2010 Finance 573 Dr. John Settle Rick Watson Contents Executive Summary 4 Company Overview 5 Sale Thesis 6 Energy Industry Overview (Oil and Gas Focus) 7 The “Upstream” Oil and Gas Sub-Sector Overview (Offshore Focus) 8 Macro-Level Trends in the Oil & Gas Industry 11 Industry Attractiveness Using Porters Five Forces 13 Bargaining Power of Suppliers: Low 13 Bargaining Power of Customers: Medium 13 Threat of New Entrants: Low 13 Threat of Substitute Products: High 14 Government Action: Medium 14 Competitive Rivalry: Medium 14 Five Forces Summary 14 Ensco’s Operations & SWOT Analysis 15 Strengths & Weaknesses 15 Opportunities & Threats 16 Financial Performance 17 Revenue, Cost of Sales, Net Income, & Margins 17 Capital Expenditures 18 Return on Assets 18 Relative Valuations 19 Financial Forecast 21 Discounted Cash Flow Valuation 22 Conclusion and Recommendation 23 Table of Figures Figure 1) World-Wide Energy Consumption Growth since 1965. 7 Figure 2) Example Photograph and Diagram of "Jackup" Oil Rigs 9 Figure 3) Example Photograph and Diagram of "Semisubmersible" Oil Rigs 9 Figure 4) Comparison of the Average Size of 2009 Oil Field Discoveries: Offshore vs. Onshore 10 Figure 5) Historical WTI Oil Prices 11 Figure 6) Historical and Projected Jackup Rig Demand 12 Figure 7) EIA Projected Global Demand for Energy...
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...Educational Psychology: Developing Learners This is a protected document. Please enter your ANGEL username and password. Username: Password: Login Need assistance logging in? Click here! If you experience any technical difficulty or have any technical questions, please contact technical support during the following hours: M-F, 6am-12am MST or Sat-Sun, 7am-12am MST by phone at (800) 800-9776 ext. 7200 or submit a ticket online by visiting http://help.gcu.edu. Doc ID: 1009-0001-191D-0000191E DEVELOPING LEARNERS JEANNE ELLIS ORMROD Professor Emerita, University of Northern Colorado EIGHTH EDITION ISBN 1-256-96292-9 Boston Columbus Indianapolis New York San Francisco Upper Saddle River Amsterdam Cape Town Dubai London Madrid Milan Munich Paris Montreal Toronto Delhi Mexico City São Paulo Sydney Hong Kong Seoul Singapore Taipei Tokyo Educational Psychology: Developing Learners, Eighth Edition, by Jeanne Ellis Ormrod. Published by Pearson. Copyright © 2014 by Pearson Education, Inc. Vice President and Editorial Director: Jeffery W. Johnston Vice President and Publisher: Kevin Davis Editorial Assistant: Lauren Carlson Development Editor: Christina Robb Vice President, Director of Marketing: Margaret Waples Marketing Manager: Joanna Sabella Senior Managing Editor: Pamela D. Bennett Project Manager: Kerry Rubadue Senior Operations Supervisor: Matthew Ottenweller Senior Art Director: Diane Lorenzo Text Designer: Candace Rowley Cover Designer:...
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...2014 Siwar Chihi, Bas Geelen, Konstantin Kraft & Ines Garic Zuyd University of Applied Sciences 2014 Siwar Chihi, Bas Geelen, Konstantin Kraft & Ines Garic Zuyd University of Applied Sciences Table of contents 1.1 Introduction to the research 3 1.2 Problem statement 3 Current 3 Desired 4 Gap 4 1.3 Methodology 5 1.4 Justification of methods 9 Research design 9 Research method 10 Research format 10 Research technique 10 2.1 Ethics 13 Data protection U.S. banks 15 Banks cash in on big data 16 Privacy vs. Security 17 Predicting with privacy 18 Privacy selling 19 Contrast between consumers privacy expectation versus their own online behavior 20 Expectations for growth internet users 2025 20 2.2Technology 22 Online banking approaches by different banks 22 SaaS business models 23 Why cloud computing for banks? 24 Privacy Trends 2014 – privacy trends in the age of technology 25 In-memory computing 27 2.3 Legislation 30 Europe Union 30 2.4 Future 31 Out in the open 31 Future sharing of finances 32 Changing Online ignorance 34 Cyber security trends for financial services 34 2.4 Results in-depth interviews 36 3.1 Basic needs 38 3.2 Drivers of change 39 3.3 Emerging consumer expectations 41 3.4 Inspiration 43 Target 43 Innovation by other banks 44 Luth Research 44 4.1 Technology 46 4.2 Changing user behaviors 46 4.3 Inconsistency 47 4.4 Legislation 47 5.1 Value...
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...University In partial fulfillment of the requirements for the degree of Masters of Science of Business Administration September 27, 2011 Table of Contents Executive Summary.……………………………………………………………………….….. 3 U.S. Housing Market Trends.…………………………………………………………………. 3 Waukesha Housing Market Trends... …………………………………………………………. 4 Factors in Buying a Home…. …………………………………………………………………. 4 Factors in Renting a House..………………………………………………………..………….. 6 Recommendations ……………………………………………………………………….…….. 7 Conclusions …………………………………………………………………………………….. 8 Bibliography ……………………………………………………………………………...…… 10 Appendix A – Home for Sale.……………………………………………………………….…. 11 Appendix B – House for Rent.…………………………………………………………………. 14 Chart 1 - Existing 1-Family Home Sales: United States ………………………………………. 15 Chart 2 - Share of Distressed Properties in Sales of Existing Homes …………………………. 15 Chart 3 - Number of Sales ……………………..………………………………………………. 16 Chart 4 - Median Sales Price.…………..………………………………………………………. 16 Chart 5 - Average Price per Sqft ………………………………………………………………. 16 Chart 6 – Number of Listings… ………………………………………….……………………. 17 Executive Summary This technical paper analyzes scenarios of renting a house and purchasing a home in Waukesha, Wisconsin. The format of this technical paper includes an overview of the United States housing market trends and an overview of Waukesha’s housing trends leading to the process of how the homeowner’s budget for either a house to rent or a home to buy. The decision...
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...CORPORATE FINANCE 307 LITERATURE REVIEW Student Name / ID: Chay Yu Xi 15907811 Jacqueline Teo Hui Yun 15805054 Ting Heng Huat 14973837 Tutor: Leo Kee Chye Tutorial Day / Time: Monday / 2pm Table of Contents Abstract The Tech Bubble Introduction Lowering of Interest Rates Adjustable Rate Mortgage Securitization Mortgage Backed Securities Collateralized Debt Obligation Credit Default Swap Government Reaction and Policies Emergency TARP Repercussions Basel Disadvantages Future Policy Requirements Controversy Conclusion Reference List Review of the causes of the 2008 Financial Crisis in US. Abstract This paper seeks to summarize a stream of research that has delved into the major causes of the financial crisis in 2008. More precisely, we will be looking at a combination of causes such as the sub-prime mortgage crisis, the mortgage backed security, the collateralized debt obligation as well as how the incidental credit-default swap contributed to the incident. This paper will begin from analyzing the past, when it happened and how it built up and resulted in the financial crisis. The significance of this literature review seeks to give a simplified explanation of the financial crisis of 2008 and will be useful for the people unversed in economics or finance but wish to have a basic understanding of its causes and history. The Tech Bubble During the early 2000, numerous companies and individuals bought new operating...
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...United States, 1999–2010 Author Manuscript Marcus A. Bachhuber, MD, Brendan Saloner, PhD, Chinazo O. Cunningham, MD, MS, and Colleen L. Barry, PhD, MPP Center for Health Equity Research and Promotion, Philadelphia Veterans Affairs Medical Center, Philadelphia, Pennsylvania (Bachhuber); Robert Wood Johnson Foundation Clinical Scholars Program, University of Pennsylvania, Philadelphia (Bachhuber); Leonard Davis Institute of Health Economics, University of Pennsylvania, Philadelphia (Bachhuber, Saloner, Barry); Robert Wood Johnson Health and Society Scholars Program, University of Pennsylvania, Philadelphia (Saloner); Division of General Internal Medicine, Montefiore Medical Center/Albert Einstein College of Medicine, Bronx, New York (Cunningham); Department of Health Policy and Management, the Johns Hopkins Bloomberg School of Public Health, Baltimore, Maryland (Barry) Abstract Author Manuscript IMPORTANCE—Opioid analgesic overdose mortality continues to rise in the United States, driven by increases in prescribing for chronic pain. Because chronic pain is a major indication for medical cannabis, laws that establish access to medical cannabis may change overdose mortality related to opioid analgesics in states that have enacted them. OBJECTIVE—To determine the association between the presence of state medical cannabis laws and opioid analgesic overdose mortality. DESIGN, SETTING, AND PARTICIPANTS—A time-series analysis was conducted of medical cannabis laws and state-level death...
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...Prepared for: Dr. David Conner (Department of CARRS) Dr. Dale Rozeboom (Animal Science) Prepared by: Victoria Campbell-Arvai Department of CARRS, Michigan State University August 17, 2009 Literature Review: A Comparison of Dairy Production Systems SUMMARY This literature review focused on studies comparing the effects of dairy production systems (pasture-based, conventional/confinement1, and mixed) on (i) environmental issues, (ii) social issues, (iii) economic issues, (iv) human health issues, and (v) animal welfare issues. The review was based on peer-reviewed research papers identified by experts at MSU, as well as (where specifically suggested) non peer-reviewed university and government reports. Additional studies were identified from the reference section of recommended papers, as well as via their citation index (primarily Google Scholar). A synopsis of each section is available below, as well as at the end of each section. There is a great deal of research –much of it based in the United States- on the environmental effects of all types of dairy farming, including intensive/confinement, mixed, pasture-based, and management-intensive rotational grazing (MIRG) operations. The vast majority of studies identified for this review focused on the fate and management of excess nitrogen and phosphorous, their effects on terrestrial and aquatic ecosystems, and contributions to air quality and climate change. Many environmental mitigation efforts were suggested, including...
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...of the Warfare of Science with Theology in Christendom. Under White’s influence, the metaphor of “warfare” to describe the relations between science and the Christian faith became very widespread during the first half of the 20th century. The culturally dominant view in the West—even among Christians—came to be that science and Christianity are not allies in the search for truth, but adversaries. To illustrate, several years ago I had a debate with a philosopher of science at Simon Fraser University in Vancouver , Canada, on the question “Are Science and Religion Mutually Irrelevant?” When I walked onto the campus, I saw that the Christian students sponsoring the debate had advertised it with large banners and posters proclaiming “Science vs. Christianity.” The students were perpetuating the same sort of warfare mentality that Andrew Dickson White proclaimed over a hundred years ago. What has happened, however, in the second half of this century is that historians and philosophers of science have come to realize that this supposed history of warfare is a myth. As Thaxton and Pearcey point out in their recent book The Soul of Science, for over 300 years between the rise of modern science in the 1500’s and the late 1800s the relationship between science and religion can best be described as an alliance. Up until the late 19th century, scientists were typically Christian believers who saw no conflict between their science and their faith—people like Kepler, Boyle, Maxwell, Faraday...
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...MANAGEMENT PRACTICE S.A.I.M. S.A.I.M. CASE-STUDY WORKBOOK Prepared by Dr Norris W Dalton. Copyright 2002 SAIM Management Practice 1 Copyright @ 2002 - South African Institute of Management All rights reserved. No part of this publication may be reproduced or transmitted in any form by any means, electronic or mechanical, including photocopy, recording, or any information storage and retrieval system, without permission in writing from SAIM. Copyright @ 2002 Copyright 2002 SAIM First Edition (2002) Management Practice 2 MANAGEMENT PRACTICE CASE-STUDY WORKBOOK CONTENTS Page 1. Introduction. 5 2. Management in Context. 7 3. Learning to be a manager. 9 4. Case-study analysis. 11 5. Problem-solving and decision-making. 14 6. Caselets: First-line and Middle-management (Tactical/operational levels). 21 7. Case-studies: Executive / Senior management (transitional / strategic level). 119 8. Case-studies: Management failures (Reference studies). 173 9. Lessons: 201 Business {Managerial) Failure. 10. References and Further Reading. Copyright 2002 SAIM 207 Management Practice 3 Copyright 2002 SAIM Management Practice 4 MANAGEMENT PRACTICE Management Principles are easy; Management Practice is difficult. 1. Introduction The Theory of Management (20%) is easy and can be learnt in a classroom setting, since it relates to knowledge acquisition and book-learning...
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...1.5.4 1.5.5 1.6 1.7 1.7.1 1.7.2 1.7.3 1.7.4 1.7.5 Introduction and Scope . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Electron Energy Levels in Semiconductors and Energy Band Model . The Semiconductor–Electrolyte Interface at Equilibrium . . . . . . . . The Equilibration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . The Depletion Layer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mapping of the Semiconductor Band-edge Positions Relative to Solution Redox Levels . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Surface States and Other Complications . . . . . . . . . . . . . . . . . . . Charge Transfer Processes in the Dark . . . . . . . . . . . . . . . . . . . . Current-potential Behavior . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dark Processes Mediated by Surface States or by Space Charge Layer Recombination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Rate-limiting Steps in Charge Transfer Processes in the Dark . . . . . Light Absorption by the Semiconductor Electrode and Carrier Collection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Light Absorption and Carrier Generation . . . . . . . . . . . . . . . . . . . Carrier Collection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Photocurrent-potential Behavior . . . . . . . . . . . . . . . . . . . . . . . . . Dynamics of Photoinduced...
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