...Changes in Workforce Demographics and the Future of Work and Retirement Dr. Jost Lottes Institute on Aging Portland State University No single trend will play a larger role in shaping the social, economic, and geopolitical order throughout the developed and developing world than global aging A historic transformation approaches— the “inversion” of the age pyramid. •!Populations throughout history have all shown a steep pyramid-shaped age distribution—with more young than old people. •!In the near future, starting with developed countries, the distribution will transform into an inverted pyramid— with more old than young people. Pyramid inversion in the developed world—1950 to 2050. year 1950 median age 28.6 Pyramid inversion in the developed world—1950 to 2050. year 1960 median age 29.6 Pyramid inversion in the developed world—1950 to 2050. year 1970 median age 30.6 Pyramid inversion in the developed world—1950 to 2050. year 1980 median age 31.9 Pyramid inversion in the developed world—1950 to 2050. year 1990 median age 34.4 Pyramid inversion in the developed world—1950 to 2050. year 2000 median age 37.6 Pyramid inversion in the developed world—1950 to 2050. year 2005 median age 39.3 WHERE WE ARE TODAY Pyramid inversion in the developed world—1950 to 2050. year 2010 median age 40.8 Pyramid inversion in the developed world—1950 to 2050. year 2020 ...
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...SAP BusinessObjects Web Intelligence Users Guide ■ SAP BusinessObjects Business Intelligence Suite 4.0 Support Package 4 2012-06-11 Copyright © 2012 SAP AG. All rights reserved.SAP, R/3, SAP NetWeaver, Duet, PartnerEdge, ByDesign, SAP BusinessObjects Explorer, StreamWork, SAP HANA and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and other countries.Business Objects and the Business Objects logo, BusinessObjects, Crystal Reports, Crystal Decisions, Web Intelligence, Xcelsius, and other Business Objects products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Business Objects Software Ltd. Business Objects is an SAP company.Sybase and Adaptive Server, iAnywhere, Sybase 365, SQL Anywhere, and other Sybase products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Sybase, Inc. Sybase is an SAP company. Crossgate, m@gic EDDY, B2B 360°, B2B 360° Services are registered trademarks of Crossgate AG in Germany and other countries. Crossgate is an SAP company. All other product and service names mentioned are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary.These materials are subject to change without notice. These materials are provided by SAP AG...
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...RULE OF LAW: THE LAMP THAT ILLUMINATES By: Elai The law is the last result of human wisdom acting upon human experience for the benefit of the public. -Dr. Samuel Johnson- In one of my seemingly usual college days, my professor in International Law unexpectedly lowered her wall and allowed her students to see her evident desperation over our nation’s state of affairs. This emotion was triggered by the fact that the white board marker did not have enough ink to allow the professor to scribble an outline of her day’s lecture. She was desperate because she was supposed to be honing the most brilliant minds in the country’s premiere university. And this premiere state university did not even have the minimum facilities for her to do just that. An example - the white board marker that does not leave a mark at all. In the midst of her outburst, and with tears in her eyes, she said “ I hoped that my generation could bequeath you with a nation you deserve. I hoped. I guess in more ways, we have failed you.” Sooner than expected, half of the members of the class were likewise crying. This made our professor ask her students why. We told her “your generation was better than ours and you failed. What will the next generation expect of us?” A few years later, the constantly confused law student that I am, I find myself pondering at the scene and finding its relevance as I try to understand the role that the rule of law has to play in the development of our nation’s...
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...Case Seminar Advanced Corporate Finance Tuesday 10:00 – 13:00, Room 23 Instructor: Tim Adam This case seminar discusses real-world business cases, which relate to the materials covered in Corporate Finance and Advanced Corporate Finance. The main topics are company valuation, capital structure, bankruptcy, corporate governance, project finance and corporate risk management. The main objective of the seminar is to apply the theoretical concepts of corporate finance and corporate governance to real-world situations. To do so we will discuss six Harvard Business School cases. In addition, there will be several company presentations of real-world business cases. This seminar has a high level of practical relevance, but it is also very labor intensive. Expect to spend at least eight hours each week on case preparations. Prerequisites All participants must have successfully passed Corporate Finance, and take Advanced Corporate Finance parallel or prior to this case seminar. Registration Students need to register for this seminar. Please submit your applications electronically (CV, most recent transcript) to Mrs. Bulwahn by April 8, 2016. If you do not attend the first session, your place may be given to other students on the waiting list. Evaluation Four case reports (80%), class participation (20%). Seminar attendance is obligatory. Course materials Cases can be purchased for a total cost of US$ 23.70 using a credit...
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...‡KejgvÎ 2011-2012 wk¶ve‡l© 1g †mwg÷v‡i bZzb fwZ©K…Z wk¶v_©x‡`i Rb¨ cÖ‡hvR¨ Government of People’s Republic of Bangladesh Ministry of Education Directorate of Technical Education Skills and Training Enhancement Project F-4/B Agargaon, shere banglanagar, Dhaka-1207 1 Copy passport size Photograph Stipend Application Form for Students Student ID: [to be filled up by project office] (DD) (MM) (YYYY) Date of Application: Current Semester: Admission Year : SSC/Equivalent Pass Year : (YYYY) A. Student Information 01. Name of the institution: ………………………………………………………………………………… 02. Registration number and Year (if any): Reg # ………………….. Year: ……………………………… 03. Technology currently enrolled: ……………………………………………………….……………….. 04a. Full Name: ……………………………………………………………………………………………. 04b. Nick Name: …………………………............. 05a. Father’s Name: ……………………………… 04c. Any Other Name: …………………................ 05b. National ID (if any): …………...……………. 05c. Father’s Nick Name (if known to all): …………………………………………………......................... 06a. Mothers Name: ……………………………… 06b. National ID (if any): ………………………… 07. Name of Immediate Guardian: …………………………………………………………………………. (Who bears your expenses if Father or Mother absent or unable to bear your expenses) 08. Relationship with the immediate guardian: Code List for relationship: 1-Grand Father; 2 – Grand Mother; 3 – Uncle; 4 – Aunt; 5 – Sister; 6 – Brother; 7- Other (specify)________ (MM (DD) ) (YYYY) 09. Date of Birth: 10. Age:….......Years 11...
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...Appendix (a) Descriptive Statistics: Income ($1000) Variable N N* Mean SE Mean StDev Minimum Q1 Median Q3 Income ($1000) 50 0 43.74 2.07 14.64 21.00 30.00 43.00 55.00 Variable Maximum Income ($1000) 67.00 Test of mu = 50 vs < 50 The assumed standard deviation = 16.64 95% Upper N Mean SE Mean Bound Z P 50 43.74 2.35 47.61 -2.66 0.004 The assumed standard deviation = 16.64 N Mean SE Mean 90% CI 50 43.74 2.35 (39.87, 47.61) (b) Descriptive Statistics: Years Variable Location N N* Mean SE Mean StDev Minimum Q1 Median Years Rural 13 0 12.31 1.59 5.75 1.00 9.00 12.00 Suburban 15 0 14.600 0.798 3.089 9.000 13.000 14.000 Urban 22 0 10.64 1.14 5.33 1.00 5.75 11.00 Variable Location Q3 Maximum Years Rural 17.50 20.00 Suburban 18.000 20.000 Urban 16.00 18.00 Test and CI for One Proportion Test of p = 0.4 vs p > 0.4 95% Lower Exact Sample X N Sample p Bound P-Value 1 22 50 0.440000 0.319826 0.330 Test and CI for One Proportion Sample X N Sample p 90% CI 1 22 50 0.440000 (0.324532, 0.555468) (c) Descriptive Statistics: Years Variable N N* Mean SE Mean StDev Minimum ...
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...In the world today nothing is more confusing than choosing for your education. Considering, there are different ways to access a higher education, it is clear to see that understanding your options of traditional and online programs can certainly help you decide which method best meets your needs and individual situation. In Fact, looking at the benefits each option offers can guide you in making a responsible educational decision on which program is right for you. Even though obtaining a traditional education can be beneficial and similar to online education, the flexibility, environment, and length of class makes online a better decision. Looking further within the variables of flexibility, traditional education is considered to be very structured. The classes are set for specific times and days of the week without change. Undoubtedly, this can be very helpful when scheduling your everyday activities or goals. In addition, you know when you have to attend classes. In fact, attendance is a requirement; to receive an adequate lecture of course materials and information you need to be there to receive the appropriate knowledge to pass the class. Of course, disciplining yourself with your attendance, travel time to school, and organization of your life and education will guide you on a path to achieve a good traditional education. However, if a strict schedule through traditional education is more demanding of you, and you would prefer having a more flexible schedule, the convenience...
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...sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. Level 1 Heading AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. Level 2 Heading AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu...
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...ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. Level 1 Heading AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz. Level 2 Heading AAA bbb cccc dddd eeee ffff gggg hhhh iiii jjjj kkkk llll mmmm nnnn oooo pppp qqqq rrrr sssss tttt uuuu vvvv wwww xxxx yyyy zzzz....
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...Full Title of Paper Your Name Harding University Abstract The Abstract is a summary of the paper, not an intro. The reader should be able to read the Abstract and get a good idea of what the paper is about and the conclusion you drew. It is written in block form without the first line indented and should be 150 or less in length. The entire paper should be in Times New Roman 12 font, double spaced with no extra spaces between sections, headers and text, paragraphs, etc. Go to the Home tab of Word and click on Paragraph. Under Paragraph, choose 0 under the Spacing section. Choose Double Space under Line Spacing and First Line under Special. Again, the first line of the Abstract should not be indented, but the rest of the paragraphs in the paper should be. Full Title of the Paper For this section you will need to decide on a thesis statement for the paper. This is a general statement about your topic that shows your approach and point of view. It is an introduction and shows how the entire paper fits together. The length will vary, but should be at least a few paragraphs with new ideas in each paragraph Level 1 Heading Here is where you start the body of your paper. Tie it in with the previous section to make sure the paper flows well. Break your ideas into paragraphs, one idea per paragraph. Long paragraphs are difficult to follow, especially if they contain multiple ideas. The first sentence of each paragraph should...
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...Loltttttttttttttttttttttttttttttttt t tt tttt ttt tt The bargaining power of buyers is low in the industry as well. McDonald’s, Burger King, Wendy’s, among others, are highly competitive with their product pricing as it stands. Price floors are already being experimented with through dollar menus at McDonald’s and Burger King, and 99¢ menu at Wendy’s, at which some of these companies actually operate at a loss for each sale from this value menu. Therefore, with low prices already established in the industry, the bargaining power of buyers will be low because fast food restaurants already offer selections at various price points that cater to all budgets. Competition Restaurant industry is highly competitive industry. There are many small fast food businesses in theindustry who fight with each other to improve their customer base; McDonalds is not an exception to this.Since its establishment in 1940, MCD has excelled in the sector. Nevertheless, to stay in the competition,it started with McCafé. This helped the company to stay in the business as a major fastfood business.Another major step came out when McDonald started Breakfast to compete with the existing businessserving breakfast. Hence, this industry is extremely competitive and the MDC should be up to date withcustomer taste & preferences. Ease of Entry Although it is hard to enter the restaurant business, it is hard to establish a distinct brand name. There is ahigh cost of entry in the market and there is \ high...
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