Sunday, March 15, 2020
president essays
president essays Election day is right around the corner. On November 7, 2000 American citizens will be voting whether they want George W. Bush as our president or Al Gore . Both candidate are well qualified for the job. As Alan Litchman said you have to have a certain basic level of intelligence. Al Gore has been our vice president for the past eight years and Mr. Bush is currently the Governor of George W. Bush and his running mate for vice president Dick Cheney are representing the Republican party. Mr.Bush has many plans for taxes such as: a portion of taxes should go to retirement, no one should have to pay more than a third of their pay check to taxes, eliminate the death tax, and to double the child deduction. He also wants to strengthen medicare by making prescription drugs affordable and available to senior citizens. He wants local government to have control of schools. He thinks that the military should get better pay and For the Democratic party Al Gore and running mate Joe Lieberman plan to continue to build on past successes. The Democratic Convention opens Monday in Los Angeles, but Gore will not give his acceptance speech until Thursday. Gore wants to distance himself from President Clinton with the words such as fresh start with regard to the Clinton scandals. Gore believes that that Georges budgets dont balance, because of a huge tax give aways to the wealthy instead of the middle class, and large deficits that can lead to high interest rates. Gore is also trying to burden the Bush campaign with voters memories of thehigh unemployment rates and weak economic growth that helped drive his father from the White House in 1992. I think which ever candidate is chosen for President will have many challenges in bringing respect and trust back into t ...
Thursday, February 27, 2020
Workers compensation claim Assignment Example | Topics and Well Written Essays - 750 words
Workers compensation claim - Assignment Example Employee can claim workers compensation benefits after being injured or when he or she develops a disease that is work related. Not all injuries are covered under Employee Compensation Law even after the injury ââ¬Å"on the job. For it to be covered it must be accidental and arising in the course of carrying out work related duties. The law only protects workers. A genuine relationship between employer and employee must exist. Compensable injury claim must arise out of the employment (Jasper, 2008). Deriving support from Rensing v. Indiana State University (1993) and Coleman v. Western Michigan University (1983) cases it is clear that the student will not prevail in the case on the ground that workers compensation benefit is only available to employees. A student who is a football player who gets injured in the field cannot claim for workers compensation benefits because there is no working relationship between him and the university management. According to the employees, act the student does not meet the legal meaning of an employee. Workers Disability Compensation Act, which defines employees every person providing a service to another under contract of hire or apprenticeship, impress or implied, written or unwritten (Hotchkiss, 2003).The law is not limited to minors or aliens. The law also excludes volunteers. Student in this case is a volunteer since he is not paid any wages after playing football. The student is not regarded as an employee because he is not hired by the school to play football. For compensation to take place, the plaintiff must proof the following: that the company dictates or controls the actions of the employee, that there are rights to discipline or fire an employee. The plaintiff must also prove that payment of wages to cater for living expenses and whether task performed by proposed employee is an essential part of the employers business. The plaintiff cannot
Tuesday, February 11, 2020
Puerto Rican Americian Essay Example | Topics and Well Written Essays - 1250 words
Puerto Rican Americian - Essay Example In 1508 Juan Ponce De Leon took over the island in the search of gold and killed many natives in this quest. Many of the Tainos were killed in this quest and the remaining Tainos fleed away to the mountains to save themselves. It was then that human trade began on this island and half the population of the island consisted of these slaves of African origin. In 1898 the Spanish American war decided the fate of the island in the hands of the United States. The island has ever since been in the control of United States and the people have accepted the fact by cutting down on their movement launched against the US. It has its own government but the presence of the American military is disturbing for some of the Puerto Ricans. The culture of the country is a blend between the natives and the African culture. People there can have the darkest of skin or they can even have a freckled white skin. The diverse culture of the country is the most interesting point along with the occasions that t he people of Puerto Rico celebrate. Traditions and culture would be the most important part of this essay and is discussed in the following paragraphs (Morris 1995; Galvan 2009). Importance of Puerto Rico to the United States Puerto Rico has proved to be an important territory for the United States as it can access different states through this region. It has also proved to be a region in which they can train and test their weapons. The bases of United States in Panama were closed in 1999 and Puerto Rico has ever since served the purpose (Giger & Davidhizar 2008). Economy of Puerto Rico The economics of the country depend upon different sources mainly tourism and different crops. The climate of the region ranges from 75 degree Farenheit to 85 degrees Farenheit. It has one of the most beautiful cruise ship ports known as San Juan. The tourism of the territory depends upon different resources and beaches and ports are one of these resources. Resorts and attractive destinations have pr oved to be a tourist attraction. The economy also depends upon different crops which include coffee, pineapples, mangos and plants. Although its economy is not suffering from any blow the per capita income of the state is still low in comparison to the United States of America (Giger & Davidhizar 2008). Culture of Puerto Rico The culture of Puerto Rico is diverse and people from different backgrounds reside in the region. The language spoken in the region is English and Spanish. The people of Puerto Rico are known for their hospitality and love. People in Puerto Rico express their love through gifts and homemade food. If a guest rejects a gift it might be considered as an insult by the individual who gifts. The celebrations in the region are respected by many people. The people of Puerto Rico also celebrate the holidays of the United States along with their own designated holidays. Puerto Rico Day, Three Kings Day and Constitution Day are all celebrated as the holidays of Puerto Ric o. Most of the people living in Puerto Rico are Catholics and they celebrate their holidays accordingly (Journal of Multilingual and Multicultural Development 1997; Morris & Bonilla 1997). Family values are respected a lot in the region and people have to live according to the old traditions. Marriage is a respected institution in the culture as they believe that having a kin is very important to expand their family. Although
Friday, January 31, 2020
Exposure to Stereotypes Essay Example for Free
Exposure to Stereotypes Essay Exposures to Stereotypes The following paper will be an informative paper about stereotyping and exposure. Children are exposed to racism, cultural and gender stereotypes every day. This paper will explain why it is believed that movies, television series, children products smears childrenââ¬â¢s understanding of race, culture and gender and the messages that are being transpired. Examples will be given on the stereotypes. Strategies will also be given. Included in this paper will also include my thoughts and objectives. Stereotyping people has been happening for many centuries now. Early as in preschool is when most people begin being stereotyped. The saying, ââ¬Å"Donââ¬â¢t judge a book by its cover,â⬠never seems to work because people take one look at someone else and judge. They judge them by how they walk, what they wear, how they present themselves, and then they have already stereotyped the person before getting to know them. When turning on the television many children are being introduced to many different stereotypes. The Cosby Show comes to mind when I think about coming up as a child. I somehow thought that this was the typical African American family. I learn a lot from this series however. This show was still on at a time when African American shows were unheard of to stay on a television station. It showed a wealthy family a dad that was a lawyer and a mom who was a doctor dealt with 5 children that kept them busy with school and other common youth issues. When I realize that my family was not the same I was devastated because I thought that all African Americans should be somewhat like the Huxtables Family. Moving along, when I became a little older my teacher showed my class a viewing of the movie collection of ââ¬Å"Rootsâ⬠. I was horrified but what I had seen. I thought that all Caucasians were mean because of me being exposed to racism in such a horrific way. Time made me so much wiser; it showed me that you cannot assume that all people of a certain race in bad just because a few people of a certain race made a very bad choice in life. Crying and yelling at night for about a week is what this movie did for me at that time. I had dreams of me being wrongfully mistreated and whipped. My mom came into my room one particular night and we talked about the situation. She told me that what I had seen in that movie was wrong but that it happened in a time were people were dealing with hatred. Furthermore, it was then that I realized that the media, music, books, toys, peers, adults, and many more all have either a negative or a positive effect on children. I also object to children being exposed or introduced to certain racial aspects of life. It is understood that we cannot protect them from everything but we can make a great effort a point to intercept the negativity. References: York, S. (2003) Roots and wings: Affirming culture in early childhood programs [Revised Ed]. Pearson Education. Upper Saddle River, NJ 120528-002549 Ticket#.
Thursday, January 23, 2020
American History X Essay -- essays research papers
American History X Derek & Dannyââ¬â¢s Turning Point à à à à à Many factors contribute to decisions we make, often life changing decisions, like we see in ââ¬Å"American History Xâ⬠with brothers Danny and Derek. Both are active skinheads in Venice California, under command of Cameron Alexander a Neo-Nazi leader. Derek and Danny were not raised as racist, but when their father was killed by a black gang member, their views changed. Derekââ¬â¢s turning point for the better was during his time in jail. His brother is headed in the same direction, but Derek was a major influence in his racist deprogramming. à à à à à Derek is the oldest of four children, his father was killed in a drive by, by a black gang member. This along with the persuasion of Cameron Alexander, Derek and his younger brother became hardcore skinheads. It took a lot of time, but Derekââ¬â¢s unfortunate experiences changed his racial views. The first we see this, is during the scene where he is released from prison. After his departure from jail, his old principal, Dr. Bob Sweeny, calls him and expresses his concern about the Hitler essay Danny wrote. Derek shares the principals concern and lectures Danny about what he has written, indicating that he has changed his views. Now that we realize he has had second thoughts, Derek warns Danny not to attend Cameronââ¬â¢s skinhead party, despite his word, Danny goes. Derek goes to the party to find Cameron, and tell him he is done, ââ¬Å"I am done with all that bullshit out there and all of your bullshit. Iââ¬â¢m out.â⬠Cameron promises to kill Derek and Derek proceeds to beat him senseless. Danny refuses to go back with Derek, so he rushes out of there, after the other skinheads hear what he has done to Cameron. à à à à à After the party, Danny catches up with Derek, and Derek explains what has caused him to reconsider his racist views. This is a crucial turning point, as we start to see his life in prison. While in jail, Derek becomes friends with the Neo-Nazi prisoners, but soon became disillusioned because of the inter-racial activities between his friends and the black inmates. Despite the racial hostility, the white prisoners bought drugs from the Hispanics. A large part of Derekââ¬â¢s rehabilitation comes when he bonds with a black inmate Lamont, another prisoner he works with. Lamont gives Derek helpful and friend... ... the same one he had a confrontation with earlier. Derek runs in and holds his head, and says ââ¬Å"What did I do? God, what did I do?â⬠This is powerful, in the sense that he feels responsible for the death of his brother, after they had changed their racist views torwards blacks. à à à à à The movie ends, with a powerful quote from Dannyââ¬â¢s essay, although he is dead. ââ¬Å"Hate is baggage. Lifeââ¬â¢s too short to be pissed off all the time. Itââ¬â¢s just not worth it. We are not enemies, but friends.â⬠ââ¬Å" We must not be enemies, though passion may have strength, it must not break our bonds of affection. The mystic cores of memory will swell and again touch as surely they will be by the better angels of our nature.â⬠à à à à à In conclusion, I believe that the movie is teaching anti-racism, as seen in the turning point of Derek and Danny Vineyard. Although the movie has shocking scenes, it is the harsh reality of what is really happening in America. The characters were very strong, and had distinct personalities. You can debate whether this is a pro-white movie, or anti-white movie, but I believe that it shows both sides, and you gain what you want from it.
Wednesday, January 15, 2020
Bank Notes Essay
Linear Probability Models (LPMs) * Econometric model to explain repayment experience on past/old loans. * Regression model with a ââ¬Å"dummyâ⬠dependent variable Z; Z = 1 default and Z=0 no default. * Weakness: no guarantee that the estimated default probabilities will always lie between 0 and 1 (theoretical flaw) Logit and Probit Models * Developed to overcome weakness of LPM. * Explicitly restrict the estimated range of default probabilities to lie between 0 and 1. * Logit: assumes probability of default to be logistically distributed. Probit: assumes probability of default has a cumulative normal distribution function. Linear Discriminant Analysis * Derived from statistical technique called multivariate analysis. * Divides borrowers into high or low default risk classes. * Altmanââ¬â¢s LDM = most famous model developed in the late 1960s. Z < 1. 8 (critical value), there is a high chance of default. * Weaknesses * Only considers two extreme cases (default/no default). * Weights need not be stationary over time. 3. New Credit Risk Evaluation Models Newer models have been developed ââ¬â use financial theory and financial market data to make inferences about default probabilities. * Most relevant for evaluating loans to larger corporate borrowers. * Area of very active continuing research by FIs. Credit Ratings * Ratings change relatively infrequently ââ¬â objective of ratings stability. * Only chance when there is reason to believe that a long-term change in the companyââ¬â¢s creditworthiness has taken place. * S&P: AAA, AA, A, BBB, BB, B and CCC * Moodyââ¬â¢s: Aaa, Aa, A, Baa, Ba, B and Caa Bonds with ratings of BBB and above are considered to be ââ¬Å"investment gradeâ⬠Estimating Default Probabilities 1. Historical Data * Provided by rating agencies e. g. cumulative average default rates * If a company starts with a: * Good credit rating, default probabilities tend to increase with time. * Poor credit rating, default prob abilities tend to decrease with time. * Default Intensity vs Unconditional Default Probability * Default intensity or hazard rate is the probability of default conditional on no earlier default. * Unconditional default probability is the probability of default as seen at time zero. Default intensities and unconditional default probabilities for a Caa rated company in the third year Supplement point 14 by monitoring a combination of internal reports, prudential reports and market information. 16. Should intervene to require effective and timely remedial action to address liquidity deficiencies. 17. Should communicate with other regulators e. g. central banks ââ¬â cooperation TOPIC 7: CORE PRINCIPLES OF EFFECTIVE BANKING SUPERVISION Overview * Most important global standard for prudential regulation and supervision. * Endorsed by vast majority of countries. * Provides benchmark against which supervisory regimes can be assessed. * 1995: Mexican and Barings Crises Lyon Summit in 1996 for G7 Leaders. 1997: Document drafted and endorsed at G7 meeting. Final version presented at annual meetings of World Bank and IMF in Hong Kong. * 1998: G-22 endorsed * 2006: Revision of the Core Principles * 2011: Basel Committee mandates a major review, issues revised consultative paper. The Core Principles (2006) * 25 minimum requirements that need to be met for an effective re gulatory system. * May need to be supplemented by other measures. * Seven major groups * Framework for supervisory authority ââ¬â Principle 1 * Licensing and structure ââ¬â Principles 2-5 * Prudential regulations and requirements ââ¬â Principles 6-18 * Methods of ongoing banking supervision ââ¬â Principles 19-21 * Accounting and disclosure ââ¬â Principle 22 * Corrective and remedial powers of supervisors ââ¬â Principle 23 * Consolidated and cross-border banking ââ¬â Principles 24-25. * Explicitly recognise: * Effective banking supervision is essential for a strong economic environment. * Supervision seeks to ensure banks operate in a safe and sound manner and hold sufficient capital and reserves. * Strong and effective supervision is a public good and critical to financial stability. * While cost of supervision is high, the cost of poor supervision is even higher. Key objective of banking supervision: * Maintain stability and confidence in the financial system * Encourage good corporate governance and enhance market transparency Revised Core Principles (2011) * Core Principles and assessment methodology merged into a single document. * Number of core principles increased to 29. * Takes account of several key trends and developments: * Need to deal with systemically important banks * Macroprudential focus (system-wide) and systemic risk * Effective crisis management, recovery and resolution measures. Sound corporate governance * Greater public disclosure and transparency enhance market discipline. * Two broad groups: 1. Supervisory powers, responsibilities and functions. Focus on effective risk-based supervision, and the need for early intervention and timely supervisory actions. Principles 1-13. 2. Prudential regulations and requirements. Cover supervisory expectations of banks, emphasising the importance of good corporate governance and risk management, as well as compliance with supervisory standards. Supervisory powers, responsibilities and functions 1. Clear responsibilities and objectives for each authority involved. Suitable legal framework. 2. Supervisor has operational independence, transparent processes, sound governance and adequate resources, and is accountable. 3. Cooperation and collaboration with domestic authorities and foreign supervisors. 4. Permissible activities of banks is controlled. 5. Assessment of bank ownership structure and governance. 6. Power to review, reject and impose prudential conditions on any changes in ownership or controlling interests. 7. Power to approve or reject major acquisitions. 8. Forward-looking assessment of the risk profile of banks and banking groups. 9. Uses appropriate range of techniques and tools to implement supervisory approach. 10. Collects, reviews and analyses prudential reports and statistical returns. 11. Early address of unsafe and unsound practices. 12. Supervises banking group on consolidated basis (including globally) 13. Cross-border sharing of information and cooperation. Prudential regulations and requirements 14. Robust corporate governance policies and processes. 15. Banks have a comprehensive risk management process, including recovery plans. 6. Set prudent and appropriate capital adequacy requirements. 17. Banks have an adequate credit risk management process. 18. Banks have adequate policies and processes for the early identification and management of problems assets, and maintain adequate provisions and reserves. 19. Banks have adequate policies re concentration risk. 20. Banks required to enter into any transactions with related pa rties on an armââ¬â¢s length basis. 21. Banks have adequate policies re country and transfer risk. 22. Banks have an adequate market risk management process. 23. Banks have adequate systems re interest rate risk in the banking book. 24. Set prudent and appropriate liquidity requirements. 25. Banks have an adequate operational risk management framework. 26. Banks have adequate internal controls to establish and maintain a properly controlled operating environment for the conduct of their business. E. g. delegating authority and responsibility, separation of the functions that involve committing the bank. 27. Banks maintain adequate and reliable records, prepare financial statements in accordance with accounting policies etc. 8. Banks regularly publish information on a consolidated and solo basis. 29. Banks have adequate policies and processes e. g. strict customer due diligence. Preconditions for Effective Banking Supervision 1. Provision of sound and sustainable macroeconomic policies. 2. A well established framework for financial stability policy formulation. 3. A well developed public infrastructure 4. A clear framework for crisis managemen t, recovery and resolution 5. An appropriate level of systemic protection (or public safety net) 6. Effective market discipline 001: IMF and World Bank Study on Countriesââ¬â¢ Compliance with Core Principles * 32 countries are compliant with 10 or few BCPs * Only 5 countries were assessed as fully compliant with 25 or more of the BCPs. * Developing countries less compliant than advanced economies. * Advanced economies generally possess more robust internal frameworks as defined by the ââ¬Ëpreconditionsââ¬â¢ 2008: IMF Study on BCP Compliance * Based on 136 compliance assessments. * Continued work needed on strengthening banking supervision in many jurisdictions, particularly in the area of risk management. More than 40% of countries did not comply with the essential criteria of principles dealing with risk management, consolidated supervision and the abuse of financial services. * More than 30% did not possess the necessary operational independence to perform effective super vision nor have adequate ability to use their formal powers to take corrective action. * On average, countries in Western Europe demonstrated a much higher degree of compliance (above 90%) with BCP than their counterparts in other regions. * Africa and Western Hemisphere weak. Generally, high-income countries reflected a higher degree of compliance. TOPIC 8: CAPITAL ADEQUACY Overview * Adequate capital better able to withstand losses, provide credit through the business cycle and help promote public confidence in banking system. Importance of Capital Adequacy * Absorb unanticipated losses and preserve confidence in the FI * Protect uninsured depositors and other stakeholders * Protect FI insurance funds and taxpayers * Protect deposit insurance owners against increases in insurance premiums * To acquire real investments in order to provide financial services e. . equity financing is very important. Capital Adequacy * Capital too low banks may be unable to absorb high level of losses . * Capital too high banks may not be able to make the most efficient use of their resources. Constraint on credit availability. Pre-1988 * Banks regulated using balance sheet measures e. g. ratio of capital to assets. * Variations between countries re definitions, required ratios and enforcement of regulations. * 1980s: bank leverage increased, OBS derivatives trading increased. * LDC debt = major problem 1988 Basel Capital Accord (Basel I) * G10 agreed to Basel I Only covered credit risk * Capital / risk-adjusted assets > 8% * Tier 1 capital = shareholders equity and retained earnings * Tier 2 capital = additional internal and external resources e. g. loan loss reserves * Tier 1 capital / risk-adjusted assets > 4% * On-balance-sheet assets assigned to one of four categories * 0% ââ¬â cash and government bonds * 20% ââ¬â claims on OECD banks * 50% ââ¬â residential mortgages * 100% ââ¬â corporate loans, corporate bonds * Off-balance-sheet assets divided into co ntingent or guarantee contracts and FX/IR forward, futures, option and swap contracts. Two step process (i) derive credit equivalent amounts as product of FV and conversion factor then (ii) multiply amount by risk weight. * OBS market contracts or derivative instruments = potential exposure + current exposure. * Potential exposure: credit risk if counterparty defaults in the future. * Current exposure: cost of replacing a derivative securities contract at todayââ¬â¢s prices. 1996 Amendment * Implemented in 1998 * Requires banks to measure and hold capital for market risk. * k is a multiplicative factor chosen by regulators (at least 3) VaR is the 99% 10-day value at risk SRC is the specific risk charge Total Capital = 0. 08 x [Credit risk RWA + Market risk RWA] where market risk RWA = 12. 5 x [k x VaR + SRC] Basel II (2004) * Implemented in 2007 * Three pillars 1. New minimum capital requirements for credit and operational risk 2. Supervisory review: more thorough and uniform 3. Market discipline: more disclosure * Only applied to large international banks in US * Implemented by securities companies as well as banks in EU Pillar 1: Minimum Capital Requirements * Credit risk measurement: * Standardised approach (external credit rating based risk weights) * Internal rating based (IRB) Market risk = unchanged * Operational risk: * Basic indicator: 15% of gross income * Standardised: multiplicative factor for income arising from each business line. * Advanced measurement approaches: assess 99. 9% worst case loss over one year. * Total capital = 0. 08 x [Credit risk RWA + market risk RWA + Operational risk RWA] Pillar 2: Supervisory Review * Importance of effective supervisory review of banksââ¬â¢ internal assessments of their overall risks. Pillar 3: Market discipline * Increasing transparency ââ¬â public disclosure Basel 2. 5 (Implemented 2011) * Stressed VaR for market risk * Incremental risk charge Ensures products such as bonds and derivatives in the trading book have the same capital requirement that they would if they were in the banking book. * Comprehensive risk measure (re credit default correlations) Basel III (2010) * Considerably increase quality and quantity of banks capital * Macroprudential overlay ââ¬â systemic risk * Allows time for smooth transition to new regime * Core capital only retained earnings and common shares * Reserves increased from 2% to 4. 5% * Capital conservation buffer ââ¬â 2. 5% of RWA * Countercyclical capital buffer * Tracing/monitoring of liquidity funding Introduction of a maximum leverage ratio Capital Definitions and Requirements * Common equity > 4. 5% of RWA * Tier 1 > 6% of RWA * Phased implementation of capital levels stretching to Jan 1, 2015 * Phased implementation of capital definition stretching to Jan 1, 2018 Microprudential Features * Greater focus on common equity * Loss-absorbing during stress/crisis period capital conservation buffer * Promoting integrated manageme nt of market and counterparty credit risk. * Liquidity standard introduced introduced Jan 1, 2015 Introduced Jan 1, 2018 Available Stable Funding Factors Required Stable Funding Factors Macroprudential Factors * Countercyclical buffer * Acts as a brake in good times of high credit growth and a decompressor to restrict credit during downturns. * Within a range of 0-2. 5% * Left to the discretion of national regulators * Dividends restricted when capital is below required level * Phased in between Jan 1, 2016 ââ¬â Jan 1, 2019 * Leverage Ratio * Target 3% * Ratio of Tier 1 capital to total exposure > 3% * Introduced on Jan 1, 2018 after a transition period * SIFIs * Required to hold additional loss absorbency capital, ranging from 1-2. 5% in common equity
Monday, January 6, 2020
The State of Todays Health Care System Essay - 1252 Words
The State of Todays Health Care System Todayââ¬â¢s health care system is in a constant state of fluctuation and commotion. It is sometimes difficult for the health care consumer to identify a valuable resource when they need one. The purpose of this paper is to explore one of the many health care resources that are available in the greater Philadelphia area and then visit this site to learn more about it. Philadelphia, in itself is an outstanding resource to the people of the area. In terms of healthcare resource implications this is true. There are numerous teaching hospitals, museums, clinics, and educational centers in this region. I choose to learn more about Planned Parenthood, a well-known organization in this area as well asâ⬠¦show more contentâ⬠¦Her goal was to both educate and provide for these women the reproductive services that were necessary for what she called reproductive freedom. Benefits of Planned Parenthood Planned Parenthood provides numerous programs and services to the people of Southeaste rn Pennsylvania. I spoke with a woman named Megan (no last name was provided). She informed me of these services and programs, and helped me to gain a better understanding of what PP really is and does. Health Services. Planned Parenthood provides their services to women as well as men- it is a resource to be utilized by all. It is a common misconception that PP is for women only. They offer reproductive health care for men, women, and teens. They supply every FDA approved method of reversible birth control. These include natural family planning methods, Norplant, Depo-Provera, Birth control Pill, IUD (intrauterine device), condoms, Diaphragm, and cervical caps. Something that they offer is emergency contraception or the ââ¬Å"morning after pill.â⬠It decreases the likelihood of becoming pregnant even after the conception, because it decreases the healthy nature of the uterine wall. It is only effective within seventy-two hours following conception. They also offer walk-in pre gnancy testing, options counseling andShow MoreRelatedIntegrated Healthcare Delivery Systems ( Idss )863 Words à |à 4 PagesS healthcare system has been characterized as complex, fragmented and costly, and one that thus results in an inefficient allocation of resources. Due to this, the concept of integrated healthcare delivery systems (IDSs) has gained much interest over the past few decades. Throughout healthcare policy, these systems have been considered the better solution to addressing issues surrounding not only the cost of care to the system, but the quality of care that is provided from the system. 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