text: Videos. June 2016. Digitisation playing a role in reaching new investor?. May 2017. Watch Milan Ganatra – CEO of Miles Software Solutions, talk about “How technology supports the regulatory evolution”. Sep 2016. Bringing cognitive computing to wealth management. Feb 2016. Can digitisation and robo advisory make a difference to wealth management – A GCC perspective. Jun 2016. Distributing wealth management products – digital v/s bricks-and-mortar. Nov 2015. Doing more with technology in wealth management. Dec 2015. Implementing solutions in local markets Q&A hubbis. Nov 2016. Microsoft FSI Event in Kenya. Jun 2012. Miles Customer Speak. Jan 2012. Miles Product Launch. Jun 2012. Miles Tech Talk by SAP. Jan 2012. Miles Welcome Address. Oct 2015. Transforming Wealth Management in a Digital Age

textbook:
Lesson Title: The Role of Technology in Wealth Management

Introduction:
Technology has transformed many industries, and wealth management is no exception. In this lesson, we will explore how technology is being used to improve the way wealth managers work with their clients. We will cover topics such as digitization, robo advisory, cognitive computing, and more. By the end of this lesson, you will have a better understanding of how technology is changing the wealth management industry and how these changes can benefit you.

Section 1: Digitization in Wealth Management

Topic 1: What is digitization?
Digitization refers to the process of converting information into a digital format. In wealth management, this means using technology to automate tasks that were previously done manually. This can include things like data entry, portfolio analysis, and client communication.

Topic 2: Why is digitization important in wealth management?
Digitization is important because it allows wealth managers to work more efficiently and effectively. By automating routine tasks, wealth managers can spend more time on activities that require human judgment, such as developing investment strategies and providing personalized advice to clients.

Topic 3: How is digitization being used in wealth management?
There are several ways that digitization is being used in wealth management. For example, some wealth managers are using software to automate data entry and portfolio analysis. Others are using online platforms to communicate with clients and provide access to their accounts.

Section 2: Robo Advisory in Wealth Management

Topic 1: What is robo advisory?
Robo advisory refers to the use of algorithms to provide financial advice to clients. These algorithms take into account factors such as risk tolerance, investment goals, and market conditions to create a personalized investment plan for each client.

Topic 2: Why is robo advisory becoming popular in wealth management?
Robo advisory is becoming popular because it allows wealth managers to reach a wider audience at a lower cost. By using algorithms to provide advice, wealth managers can serve clients who may not have been able to afford traditional wealth management services.

Topic 3: How is robo advisory being used in wealth management?
Some wealth managers are partnering with robo advisory firms to offer their clients access to automated investment advice. Others are developing their own robo advisory platforms to provide personalized advice to clients.

Section 3: Cognitive Computing in Wealth Management

Topic 1: What is cognitive computing?
Cognitive computing refers to the use of artificial intelligence (AI) to simulate human thought processes. In wealth management, this means using AI to analyze large amounts of data and provide insights that can help wealth managers make better decisions.

Topic 2: Why is cognitive computing important in wealth management?
Cognitive computing is important because it allows wealth managers to analyze complex data sets and identify patterns that may not be immediately apparent. This can help wealth managers make more informed investment decisions and provide better advice to clients.

Topic 3: How is cognitive computing being used in wealth management?
Some wealth managers are using cognitive computing to analyze news articles, social media posts, and other sources of data to identify trends and insights that can help them make better investment decisions. Others are using AI to analyze client data and provide personalized advice based on their individual needs and preferences.

Conclusion:
In conclusion, technology is playing an increasingly important role in wealth management. By using tools such as digitization, robo advisory, and cognitive computing, wealth managers can work more efficiently and effectively, providing better advice to clients and achieving better outcomes. As technology continues to evolve, we can expect to see even more innovation in the wealth management industry.


text: United States oil and gas producer Apache Corporation signed a $9 billion deal with Egypt’s Ministry of Petroleum to explore and produce oil and gas in the Western Desert, the ministry on Wednesday said in a statement published by state news agency MENA on Wednesday.. The deal includes assigning $30 million (537 million Egyptian pounds) investment to dig seven wells in the area, the ministry further added.. Apache is holder of one of the largest areas in Egypt’s Western Desert, estimated at the end of 2017 as 5.6 million gross acres in 25 separate concessions, the company writes on its official website.. Egyptian Petroleum Minister Tarek El-Molla said the new deal is part of the ministry’s efforts to boost production and reserves of oil and natural gas, and to attract foreign investment.. The new agreement brings the total number of oil and gas deals signed by Egypt since 2014 to 87, the ministry added.. Source: Ahram Online

source: refinedweb

textbook:
Lesson: How to Read and Understand Business News

Introduction:
In today's fast-paced world, staying updated with the latest business news is essential to understand the global economy and make informed decisions. However, reading business news can be overwhelming, especially if you don't know where to start. In this lesson, we will learn how to read and understand business news by analyzing a sample article about a recent oil and gas deal in Egypt.

Section 1: Understanding the Basics

1.1 What is business news?
Business news refers to the latest happenings in the world of commerce, finance, and industries. It covers various aspects such as new products, services, and technologies, changes in government policies, mergers and acquisitions, and economic trends.

1.2 Why is it important to read business news?
Reading business news helps you stay informed about the latest developments in the business world. It provides insights into the current trends, opportunities, and challenges that businesses face. By staying updated, you can make better decisions, identify new investment opportunities, and stay ahead of your competition.

Section 2: Analyzing the Article

2.1 What is the main topic of the article?
The main topic of the article is the signing of a $9 billion oil and gas deal between the United States-based Apache Corporation and Egypt's Ministry of Petroleum.

2.2 Who are the key players involved?
The key players involved in this deal are Apache Corporation and Egypt's Ministry of Petroleum.

2.3 What are the key details of the deal?
The deal involves assigning $30 million (537 million Egyptian pounds) investment to dig seven wells in the Western Desert of Egypt.

2.4 What is the significance of this deal?
The deal is significant because it is part of the Egyptian government's efforts to boost production and reserves of oil and natural gas, and to attract foreign investment.

Section 3: Practical Examples

3.1 How can I apply this knowledge in real life?
By understanding the basics of business news and analyzing articles like this one, you can make informed decisions about investments, partnerships, and other business opportunities. You can also stay updated on the latest industry trends and stay ahead of your competition.

Conclusion:
In conclusion, reading and understanding business news is an essential skill for anyone interested in the world of commerce and finance. By following the steps outlined in this lesson, you can analyze articles like a pro and stay informed about the latest developments in the business world. Remember to always ask critical questions, look for patterns and trends, and apply your knowledge to real-life scenarios.


text: Dental Materials Science. Risks with Dental Materials. The aim is to increase the knowledge regarding dental biomaterials and their possible side-effects. Changes in health over time are studied among patients with symptoms related to their dental materials – the hypothesis is that the patients can de divided into subgroups based on their symptoms, and that their possibility to recover differs between the groups. The social consequences of the patients’ symptoms over time are studied. Side-effects related to resin-based dental materials and their consequences are studied over time.. Anders Berglund, +46 (0)90 785 60 69,. anders.p.berglund@umu.se. Publications. Development of Zirconia as a Biomaterial. The aim of the project is to develop the composition of prefab-ricated zirconia ceramics blanks used for machining restora-tions and the manufacturing techniques in order to minimize any negative effects on the zirconia ceramics.. Göran Sjögren, +46 (0)90 785 61 32,. goran.sjogren@umu.se. Publications

textbook:
Lesson: Dental Materials Science

Introduction:
Dental materials are essential in maintaining oral health and improving the appearance of teeth. However, these materials can also pose risks to patients if not properly managed. In this lesson, we will explore the potential side-effects of dental materials and how to mitigate them.

Section 1: Risks with Dental Materials
Topic 1: Allergic Reactions
Some dental materials contain allergens that can cause allergic reactions in patients. These reactions can range from mild to severe, including swelling, redness, and itching. To avoid allergic reactions, dentists should carefully select materials that are less likely to cause an adverse reaction.

Topic 2: Toxicity
Some dental materials contain heavy metals such as mercury, lead, and cadmium, which can be toxic if ingested or inhaled. Dentists should take precautions to minimize exposure to these materials during procedures.

Topic 3: Corrosion
Dental materials can corrode over time, leading to the release of toxic substances. This can cause damage to the surrounding tissue and organs. Dentists should select materials that are resistant to corrosion and monitor their patients for any signs of corrosion.

Section 2: Changes in Health Over Time
Topic 1: Symptoms
Patients with dental materials may experience various symptoms, including pain, swelling, and discoloration. Dentists should carefully evaluate their patients' symptoms and determine the appropriate course of action.

Topic 2: Subgroups
Patients with similar symptoms may be grouped together based on their specific health issues. This allows dentists to tailor their treatment plans to each subgroup, increasing the likelihood of successful recovery.

Topic 3: Recovery
The ability of patients to recover from their symptoms varies depending on the severity of their condition. Dentists should closely monitor their patients' progress and adjust their treatment plans accordingly.

Section 3: Social Consequences
Topic 1: Stigma
Patients with dental material side-effects may face social stigma due to the appearance of their teeth. Dentists should work with their patients to address any concerns and provide support.

Topic 2: Quality of Life
The symptoms associated with dental materials can negatively impact a patient's quality of life. Dentists should consider this when developing treatment plans and work to minimize any disruptions.

Conclusion:
In conclusion, understanding the risks associated with dental materials is crucial in ensuring patient safety. By carefully selecting materials and monitoring patients for potential side-effects, dentists can minimize the risk of adverse reactions and improve patient outcomes.

Glossary:
- Allergens: a substance that can cause an allergic reaction in a person
- Heavy Metals: elements such as mercury, lead, and cadmium that can be toxic if ingested or inhaled
- Corrosion: the process of deterioration of materials due to chemical reactions
- Subgroups: groups of patients with similar symptoms
- Stigma: a mark of disgrace or shame associated with a particular circumstance, quality, or person
- Quality of Life: the general well-being and happiness of an individual or group


text: The tribal population is not able to buy prescribed medicines, injections and nutritious food in case of chronic diseases like TB, cancer etc. due to their economic condition and is, thus, forced to ignore the required medicament.. Sickle Cell disease is a hereditary blood disorder, characterized by red blood cells that assume an abnormal, rigid, sickle shape. Sickling decreases the cells flexibility and results in a risk of various complications.. To improve health of children in tribal talukas.. The Schedule Tribe families did not have pucca houses, which is necessary for decent living.

textbook:
Lesson: Understanding Health Issues in Tribal Communities

Introduction:
In this lesson, we will learn about the health issues faced by tribal communities and the reasons behind them. We will also explore ways to improve their health and living conditions.

Section 1: Understanding Health Issues in Tribal Communities

Topic 1: Chronic Diseases
- Tribal populations often suffer from chronic diseases such as TB and cancer due to their economic condition.
- They are unable to buy prescribed medicines, injections, and nutritious food, which worsens their condition.

Topic 2: Sickle Cell Disease
- Sickle Cell disease is a hereditary blood disorder that affects red blood cells.
- The cells become rigid and sickle-shaped, reducing their flexibility and leading to various complications.

Topic 3: Lack of Pucca Houses
- The Schedule Tribe families do not have proper houses, which is essential for a decent living.
- This lack of basic infrastructure contributes to their poor health conditions.

Section 2: Ways to Improve Health in Tribal Communities

Topic 1: Access to Healthcare Services
- Providing free or low-cost healthcare services to tribal communities can help them get the treatment they need.
- Governments and NGOs can play a crucial role in providing these services.

Topic 2: Education and Awareness
- Educating tribal communities about health and hygiene can help prevent the spread of diseases.
- This includes educating them about the importance of vaccinations, clean water, and proper sanitation.

Topic 3: Economic Empowerment
- Providing economic opportunities to tribal communities can help them access better healthcare and education.
- This can be achieved through skill development programs, microfinance initiatives, and other income-generating activities.

Section 3: Self-Debating Discussions

Question: How can we ensure that tribal communities have access to proper healthcare services?
Answer: One way is to work with governments and NGOs to provide free or low-cost healthcare services to these communities. We can also advocate for increased funding for healthcare programs that target tribal populations.

Question: Why is education and awareness important in improving health outcomes for tribal communities?
Answer: Education and awareness can help tribal communities understand the importance of health and hygiene practices. This knowledge can empower them to take preventive measures to stay healthy and reduce the spread of diseases.

Conclusion:
In conclusion, understanding the health issues faced by tribal communities is crucial in finding solutions to improve their health and living conditions. By providing access to healthcare services, educating them about health and hygiene, and empowering them economically, we can work towards a healthier future for these communities.

Glossary:
- Tribal: A group of people who share a common culture and tradition
- Schedule Tribe: A term used in India to classify indigenous communities recognized by the government
- Pucca Houses: Permanent houses made of bricks, concrete, or other durable materials
- Chronic Diseases: Long-lasting health conditions that persist over time
- Sickle Cell Disease: A genetic blood disorder that affects red blood cells
- Injections: Medicines administered through injections or needles
- Nutritious Food: Food that provides essential nutrients for growth and maintenance of good health

[Download PDF Version](health_issues_tribal_communities.pdf)


text:
What's New

The DMHC issued Frequently Asked Questions (FAQs) to clarify health plans must cover COVID-19 tests that are FDA approved or authorized, or approved by the state, without prior authorization and at no cost to the enrollee.

The Department of Managed Health Care (DMHC) is seeking a dynamic, creative, collaborative and consumer-oriented contracted Clinical Consultant to serve as the DMHC’s Chief Medical Officer (CMO). CMO will assist with ensuring health plan medical, behavioral health and administrative compliance with statutory and regulatory requirements in order to drive improvement in clinical outcomes for health plan enrollees and to improve the DMHC’s effectiveness.

For more information, please read this CMO Job Announcement. Interested candidates must submit required documents by June 30, 2020.

The DMHC issued an All Plan Letter (APL) in March directing health plans to ensure Californians can access necessary medical care through telehealth when medically appropriate. This includes directing health plans to reimburse providers for care provided through telehealth at the same rate as in-person care and ensuring enrollee cost-sharing is not changed for telehealth services. Following several questions from plans and providers, the DMHC issued All Plan Letter (APL) 20-013 - Billing for Telehealth Services; Telehealth for the Delivery of Services with a Frequently Asked Questions (FAQ) document. This includes information on provider billing during the COVID-19 State of Emergency to decrease administrative burdens on providers and plans.

As the state of California is taking action to respond to the COVID-19 pandemic, the Department of Managed Health Care (DMHC) joined with Covered California and the Department of Health Care Services to make sure Californians have a ready path to health care coverage.

The DMHC provided guidance to health plans on the special-enrollment period, including on and off-exchange health plans. This will ensure consumers enrolling in the entire individual market in California will have access to coverage during the pandemic emergency.

“We are working together to protect the health and safety of Californians during this pandemic,” said DMHC Director Shelley Rouillard. “This includes making sure that Californians are able to access health care coverage. Opening a special-enrollment period due to COVID-19 offers new coverage options to Californians when they need it most.”

The Department of Managed Health Care (DMHC) is seeking a dynamic, creative, collaborative and consumer-oriented contracted Clinical Consultant to serve as the DMHC’s Chief Medical Officer (CMO). The CMO will assist with ensuring health plan medical, behavioral health and administrative compliance with statutory and regulatory requirements in order to drive improvement in clinical outcomes for health plan enrollees and to improve the DMHC’s effectiveness.

For more information, please read this CMO Job Announcement. Interested candidates must submit required documents by May 8, 2020.

Under the direction of Governor Gavin Newsom, the Department of Managed Health Care (DMHC) issued an All Plan Letter directing all full-service commercial and Medi-Cal plans regulated by the Department to immediately reduce cost-sharing to zero for all medically necessary screening and testing for the novel coronavirus (COVID-19). This includes waiving cost-sharing for emergency room, urgent care or provider office visits when the purpose of the visit is to be screened and tested for COVID-19. The need for COVID-19 testing is based on medical necessity, a clinical determination made on a case by case basis by medical professionals.

The American Kidney Fund (AKF) has announced it is ending financial assistance funds for Californians in need. The following fact sheet includes information on alternative options patients can explore and how to get help with these other health coverage options.

The Department of Managed Health Care 2018 annual report and infographic are now available online. Both of these documents highlight the DMHC’s activities during 2018 and include key statistics about the Department.

source: minipile

textbook:
Lesson: Introduction to Telemedicine

Telemedicine is the use of technology to provide healthcare services remotely. It has become increasingly popular due to its convenience and ability to reach patients who may not be able to travel to a healthcare facility. In this lesson, we will explore the basics of telemedicine, including its benefits, limitations, and applications.

**Section 1: Theoretical Concepts**

**Topic 1: Benefits of Telemedicine**

Telemedicine offers several advantages over traditional in-person healthcare visits. These benefits include:

- Increased accessibility: Telemedicine allows patients to receive medical care from the comfort of their own homes, eliminating the need for travel and reducing the cost of healthcare.
- Improved efficiency: Virtual appointments can be scheduled more easily, reducing wait times and improving the patient experience.
- Enhanced communication: Telemedicine enables doctors to share information and consult with other healthcare providers more efficiently, leading to better-informed decisions and improved patient outcomes.

**Topic 2: Limitations of Telemedicine**

While telemedicine offers many benefits, there are also some limitations to consider:

- Limited physical examination: It can be difficult for doctors to perform a thorough physical examination remotely, which may limit their ability to diagnose certain conditions.
- Lack of human interaction: Virtual appointments may lack the personal touch that comes with in-person visits, which can make some patients feel less comfortable sharing sensitive information.
- Technological barriers: Not all patients have access to the technology required for telemedicine, such as a reliable internet connection or a compatible device.

**Topic 3: Applications of Telemedicine**

Telemedicine has many applications across various medical specialties. Some common uses include:

- Primary care: Virtual appointments allow primary care physicians to monitor patients' health and address concerns remotely.
- Mental health: Telepsychiatry enables mental health professionals to provide therapy and counseling sessions via video conferencing.
- Chronic disease management: Patients with chronic conditions can use telemedicine to monitor their health and receive guidance from their healthcare team.

**Section 2: Practical Examples**

**Topic 1: Virtual Appointments**

One common application of telemedicine is virtual appointments. These appointments can be scheduled just like any other appointment, but they take place over a video call instead of in-person. Here's an example of how a virtual appointment might work:

- The patient schedules an appointment with their doctor through the healthcare provider's website or app.
- On the day of the appointment, the patient logs into the virtual platform and waits for the doctor to join.
- The doctor joins the call and begins the appointment by asking the patient about their symptoms and concerns.
- The doctor may then perform a virtual examination, such as checking the patient's heart rate or having them show where it hurts.
- Finally, the doctor provides a diagnosis and treatment plan, which may include prescriptions or referrals to specialists.

**Topic 2: Remote Monitoring**

Another application of telemedicine is remote monitoring, where patients use technology to track their health data and share it with their healthcare team. Here's an example of how remote monitoring works:

- The patient receives a device, such as a blood glucose meter or a blood pressure cuff, which they use to track their health data at home.
- The device automatically sends the data to the healthcare provider's system, where it is reviewed by the healthcare team.
- If the data shows any concerning trends, the healthcare team reaches out to the patient to provide guidance and support.
- Over time, the healthcare team uses the data to track the patient's progress and adjust their treatment plan as needed.

**Section 3: Self-Debating Discussions**

**Topic 1: Should telemedicine replace in-person healthcare visits?**

Some argue that telemedicine should replace in-person healthcare visits entirely, while others believe that it should be used as a supplement to traditional medicine. What are your thoughts on this debate? Do you think telemedicine has the potential to revolutionize healthcare, or do you believe that it should only be used in specific situations?

**Topic 2: How can we ensure equitable access to telemedicine?**

Telemedicine has the potential to improve access to healthcare for those who may not be able to travel to a healthcare facility. However, not all patients have access to the technology required for telemedicine. How can we ensure that all patients have equal access to this valuable resource? Are there ways to provide technology or subsidies for those who cannot afford it?

**Conclusion**

In this lesson, we explored the basics of telemedicine, including its benefits, limitations, and applications. We also considered practical examples of how telemedicine is used in primary care and chronic disease management. Finally, we engaged in self-debating discussions about the future of telemedicine and how to ensure equitable access to this valuable resource. As we continue to learn about telemedicine, we will be better prepared to apply these skills to new problems and improve our overall understanding of healthcare.


text: OH WHAT A NIGHT!. Congratulations to the winners!. Congratulations to the winners!. The 2018 Pukekohe Business Awards were Held at the Pukekohe Indian Hall on Saturday the 28th of July.. Over 350 guests from the Business Community attended, all dressed in their finest and were wined, dined and thoroughly entertained by the nights MC's Doug Kamo and Russel Dixon.. All the nominees were extremely gracious and supportive of each other which is a fabulous representation of our great business community.. The Pukekohe Business Association would like to congratulate all the winners and once again Thank you, to our wonderful sponsors:. ANZ, Carters, Engine Room, Execam, Franklin Law and our Media Partner Franklin County News. Click here to see a list of winners from the night

textbook:
Lesson: How to Write a Conclusion

Introduction:
A conclusion is the final part of an essay or a piece of writing that summarizes the main points and provides a sense of closure. It is an important part of any written work as it leaves a lasting impression on the reader. In this lesson, we will learn how to write a conclusion that effectively summarizes the main points and provides a sense of closure.

Section 1: Theoretical Concepts
A conclusion should follow these steps:

1. Restate the thesis statement: This is the central idea of your essay, and it should be restated in the conclusion to remind the reader of what you were trying to prove.

2. Summarize the main points: This is where you will summarize the key arguments and evidence from your essay that support your thesis.

3. Provide a sense of closure: This is where you will wrap up your essay and provide a sense of closure. You may want to leave the reader with something to think about or a call to action.

Section 2: Questions and Answers
1. What is the purpose of a conclusion?
The purpose of a conclusion is to summarize the main points of your essay and provide a sense of closure.

2. When should I write a conclusion?
You should write a conclusion after you have finished writing the body of your essay. It is the last part of your essay and should be written last.

3. How long should a conclusion be?
A conclusion should be no more than one or two paragraphs. It should be concise and to the point.

Section 3: Definitions and Examples
**Definition:** A conclusion is the final part of an essay or a piece of writing that summarizes the main points and provides a sense of closure.

**Example:** Here is an example of a conclusion:

In conclusion, after thorough research and analysis, it can be concluded that the benefits of exercise far outweigh the risks. By incorporating regular physical activity into our daily lives, we can improve our overall health and well-being. So, let us make exercise a priority and enjoy the numerous benefits it brings.

Conclusion:
In this lesson, we learned how to write a conclusion that effectively summarizes the main points and provides a sense of closure. We covered theoretical concepts such as restating the thesis statement and summarizing the main points. We also provided examples and answered common questions about conclusions. By following these guidelines, you can write a strong and effective conclusion that leaves a lasting impression on your readers.


text: Understanding the outcomes of change: interrogating student adaptation to new learning environments... Abstract. Envisioning Practice: Implementing Change explores the growing critical understanding surrounding the implementation of contemporary changes in post-compulsory education practice. Topics include:. Flexible learning Access and equity Use of technology Critiquing concepts

textbook:
Lesson: Understanding the Outcomes of Change

## Section 1: Introduction to Change Management

In this lesson, we will explore the concept of change management in education. We will learn about the different types of changes that can occur in educational settings and how these changes affect students, teachers, and the overall learning environment. By the end of this lesson, you will be able to:

- Define change management and its importance in education
- Identify different types of changes that occur in educational settings
- Explain the impact of changes on students, teachers, and the learning environment

## Section 2: Types of Changes in Educational Settings

There are several types of changes that can occur in educational settings, including:

1. Curriculum changes: These changes involve altering the content or structure of the curriculum.
2. Instructional changes: These changes involve modifying the way teaching is done, such as incorporating new teaching methods or technologies.
3. Organizational changes: These changes involve restructuring the organization of the school or district, such as merging schools or changing leadership.
4. Policy changes: These changes involve altering school policies, such as attendance or grading policies.
5. Technological changes: These changes involve incorporating new technologies into the classroom, such as laptops or tablets.

Each of these types of changes can have a different impact on students, teachers, and the overall learning environment. For example, curriculum changes may require students and teachers to adapt to new material, while organizational changes may disrupt the routine of students and teachers.

## Section 3: Managing Change in Educational Settings

Managing change in educational settings involves anticipating potential challenges and developing strategies to address them. Some strategies for managing change include:

1. Communication: Clear and open communication between stakeholders (students, teachers, parents, administrators) is essential for managing change effectively.
2. Training: Providing training and support for teachers and staff to help them adapt to new changes is crucial for a successful transition.
3. Involvement: Involving stakeholders in the decision-making process can help ensure that the changes meet their needs and expectations.
4. Flexibility: Being flexible and open to feedback can help identify potential issues and make necessary adjustments.

## Conclusion

Change management is an essential skill for educators to possess. By understanding the different types of changes that can occur in educational settings and implementing effective strategies for managing change, educators can create a positive and productive learning environment for all stakeholders. As you continue your education, remember that change is inevitable, and being able to adapt to new situations is a valuable skill.

Glossary:
- Change management: The process of planning, implementing, and controlling changes in educational settings to achieve specific goals.
- Stakeholders: Individuals or groups who have an interest in the outcomes of a change in educational settings, such as students, teachers, parents, and administrators.


text: background color. reading font. reading size. Final Fantasy: Nova Warcry. |. Today detailed plans on the Nova Warcry project was uncovered by Us here on Final Fantasy Warcry.. Nova Warcry is a community and staff driven project to renew the site with forums and content, but also to draw more people here that may appreciate this community as much as We do.. For information on the project and it's details please follow the Dicussion button.. The next few weeks will be a bit of a jumpy ride, but hopefully it all will be in place before Christmas. Buckle up!

textbook:
## Lesson: How to Read and Understand Text
### Section 1: Reading Strategies
In this section, we will learn about different strategies for reading and understanding text. This includes identifying the main idea, summarizing, and making connections between ideas.
#### Main Idea
The main idea of a text is the central point or message that the author wants to convey. To identify the main idea, you should look for the topic sentence or thesis statement, which usually comes at the beginning of the text.
#### Summarizing
Summarizing is the process of condensing a longer piece of text into a shorter version while retaining the most important information. To summarize, you should read the text carefully, identify the main points, and then write a brief statement that captures the essence of the text.
#### Making Connections
Making connections is an important part of reading comprehension. It involves relating the ideas in the text to your own knowledge and experiences, as well as to other texts you have read. To make connections, you should ask yourself questions such as "How does this relate to what I already know?" or "What other texts or ideas does this remind me of?".
### Section 2: Practice Questions
1. What is the main idea of this paragraph?
2. How many sentences does it take to summarize this paragraph?
3. Can you think of any other texts or ideas that this paragraph reminds you of?
### Section 3: Real-World Examples
Let's say you are reading an article about climate change. You might use the strategies we discussed in section 1 to identify the main idea (that climate change is causing severe weather events), summarize the article in your mind, and make connections to other texts you have read about environmental issues.
## Glossary
- **Main Idea**: The central point or message of a text.
- **Summarizing**: Condensing a longer piece of text into a shorter version while retaining the most important information.
- **Making Connections**: Relating the ideas in a text to your own knowledge and experiences, as well as to other texts you have read.
## Conclusion
By using the strategies we discussed in this lesson, you can improve your reading comprehension and better understand the texts you encounter. Remember to identify the main idea, summarize the text, and make connections to other ideas and texts. With practice, you will become a more confident and effective reader.


text: Scarlet Women in Paste magazine. 16 Feb 2016. Ian Graham Highlights Extraordinary Courtesans Throughout History in Scarlet Women. Ian Graham Highlights Extraordinary Courtesans Throughout History in Scarlet Women. Ian Graham was born in Belfast in 1953. In the 1970s, he took a degree in applied physics and a postgraduate diploma in journalism at The City University, London. In the early 1980s, he worked as a magazine journalist and editor in London before becoming a freelance writer and moving to rural Nor...More about Ian Graham

textbook:
Lesson: The Life and Times of Courtesans

Introduction:
Courtesans have been a part of society for centuries. They were women who entertained men, often in a sexual manner, but also provided companionship and conversation. In this lesson, we will explore the life and times of courtesans throughout history, from ancient Greece to modern-day Japan. We will learn about their roles, their impact on society, and how they have influenced popular culture.

Section 1: What is a Courtesan?
A courtesan is a woman who provides companionship and entertainment to men, often in a sexual manner. She is not a prostitute, as she does not engage in casual sex with strangers. Instead, she forms relationships with her clients, providing them with intellectual and emotional stimulation, as well as physical pleasure.

Section 2: The Life of a Courtesan
The life of a courtesan varied depending on the time period and location. In ancient Greece, courtesans were highly educated women who entertained men in their homes. They were often skilled musicians, dancers, and poets. In medieval Europe, courtesans were known as "femmes galantes" and were associated with high society. They were expected to be well-educated and cultured, able to converse on a variety of topics. In Japan, geishas are a type of courtesan who entertain men with music, dance, and conversation.

Section 3: The Impact of Courtesans on Society
Courtesans have had a significant impact on society throughout history. They have been blamed for corrupting men and undermining traditional values. However, they have also been celebrated for their beauty, intelligence, and artistic talents. Many famous writers, artists, and musicians have been inspired by courtesans, including Lord Byron, Oscar Wilde, and Claude Debussy.

Section 4: Courtesans in Popular Culture
Courtesans have been portrayed in many forms of popular culture, from literature to film. In Victor Hugo's novel "Les Misérables," the character Fantine is a former courtesan who becomes a prostitute after her daughter is taken away from her. In the movie "Casablanca," the character of Ilsa Lund is a former German courtesan who falls in love with Rick Blaine.

Conclusion:
Courtesans have been a part of society for centuries, providing companionship, entertainment, and sometimes even love to men. They have been blamed for corrupting society, but they have also been celebrated for their beauty, intelligence, and talents. By studying the life and times of courtesans, we can gain a better understanding of the complexities of human nature and the role that women have played in shaping history.

Glossary:
- Courtesan: A woman who provides companionship and entertainment to men, often in a sexual manner.
- Prostitute: A person, usually a woman, who engages in sexual intercourse for money.
- Geisha: A type of courtesan in Japan who entertains men with music, dance, and conversation.


text: Goodbye to Yesterday by Wanda E. Brunstetter is the first of six in the Discovery series.? (Goodreads Description). I have read many of Wanda's books and I like the idea of spliting up this story into six books. When I received the book in the mail I was a tad confused simply because I hadn't done my research on this series. This book is tiny, about half the size of a normal book, and only has eight chapters.You could easily read this book in an hour. I like where the story is going but Brunstetter wrote it to keep the reader interested in the next book. The end of chapter eight leaves you hanging and I now have to read the rest of the books that follow. Starting in February there will be a book from this series released each month.. I reccomend this book to read because the story is good so far, but I wouldn't buy it yet. I would wait until all of the books come out.. "I received this book for free from Handlebar Direction For Publishing in exchange for an honest reveiw."

textbook:
Lesson: How to Read and Analyze Book Descriptions

Introduction:
Book descriptions are essential for readers to determine if a book is worth reading. In this lesson, we will learn how to read and analyze book descriptions effectively.

Section 1: Understanding Book Descriptions

Topic 1: Types of Book Descriptions
Book descriptions can be found on various platforms, such as Amazon, Goodreads, and the publisher's website. They usually come in different formats:

1. Summary: A brief overview of the plot, setting, and characters.
2. Blurb: A more detailed description of the storyline, often written by the author or publisher.
3. Excerpt: A section of the book, usually the first few chapters, to give readers a taste of the writing style.

Topic 2: Analyzing Book Descriptions
To analyze a book description effectively, consider the following:

1. Tone: Determine if the description is formal or informal, positive or negative, and if it's written in first or third person.
2. Plot: Identify the main conflict, setting, and characters.
3. Writing Style: Analyze the language used to describe the storyline and characters.
4. Intended Audience: Determine if the book is intended for a specific age group or demographic.
5. Reviews: Look for reviews or ratings to get an idea of what other readers thought of the book.

Section 2: Analyzing Book Descriptions in Practice

Exercise 1: Read the following book descriptions and analyze them based on the topics covered in Section 1.

Description 1: "In a world where reading is prohibited, one young woman finds solace in words and secrets in the pages of a forbidden book. In a bid to stay alive, she must choose between love and freedom or live without each other."

Description 2: "When a young man loses his family in a tragic accident, he must learn to navigate life on his own. Along the way, he discovers the power of friendship and love, but will he find the courage to face his fears?"

Analysis:
Description 1 appears to be a dystopian novel with themes of rebellion and sacrifice. The tone is ominous, with a sense of urgency and danger. The intended audience is likely young adults who enjoy dystopian fiction.

Description 2 is a coming-of-age story with themes of loss, friendship, and love. The tone is melancholic, with a focus on overcoming adversity. The intended audience is likely young adults who enjoy emotional stories.

Exercise 2: Compare and contrast the two book descriptions.

Comparison:
1. Both descriptions introduce a protagonist who faces significant challenges.
2. Both stories involve loss and the pursuit of love and freedom.
3. Both descriptions use powerful language to create a sense of urgency and danger.

Contrast:
1. Description 1 is set in a dystopian world, while Description 2 is set in the real world.
2. Description 1 involves a forbidden book, while Description 2 does not.
3. Description 2 focuses on the power of friendship, while Description 1 does not mention friendship.

Section 3: Applying Book Descriptions to Real Life

Topic 1: Using Book Descriptions to Choose Books
When selecting a book, use the book description to determine if the storyline, characters, and themes align with your interests and preferences.

Topic 2: Using Book Descriptions in Everyday Life
Book descriptions can also be applied to everyday situations, such as deciding on a movie to watch or a restaurant to visit. Use the same analysis techniques to determine if the movie or restaurant is right for you.

Conclusion:
By learning how to read and analyze book descriptions, you can make informed decisions about which books to read and which movies or restaurants to try. Remember to consider the tone, plot, writing style, intended audience, and reviews when analyzing a book description.


text: Reiki is a type of energy healing. A passing of life force energy with or without touch.. Reiki is a simple and safe practice that is good for the whole body, as well as the mind and spirit.. That depends on the clients needs. It can vary from as much as 20 minutes per session and up to 90 minutes.. This free sessions are for certification to become a Master Reiki. Reiki is not a substitute for traditional Medical treatment, if someone has a serious health imbalance they should see a Doctor or other appropriate professional, and make complementary healing part of a complete health care program. All healing is self healing the practitioner works with individual to assist in self-healing.. Read the stories submitted by other authors

textbook:
Lesson: Introduction to Energy Healing

## Section 1: Theoretical Concepts
Energy healing is a holistic approach to healthcare that involves the use of life force energy to promote physical, mental, and emotional well-being. In this lesson, we will explore the concept of energy healing and its benefits.

## Section 2: Practical Examples and Real-World Scenarios
One form of energy healing is Reiki, which originated in Japan. Reiki practitioners believe that they can channel life force energy through their hands to help alleviate pain, reduce stress, and promote relaxation. This is done by placing their hands on or above the client's body to facilitate the flow of energy.

## Section 3: Self-Debating Discussions
One of the benefits of energy healing is that it can be used in conjunction with traditional medical treatments. However, it is essential to consult a healthcare professional if you have a serious health condition. Additionally, all healing is self-healing, meaning that the individual works with the practitioner to assist in their own healing process.

## Glossary
- Life Force Energy: The universal energy that flows through all living things.
- Reiki: A form of energy healing that originated in Japan.
- Channelling: The act of directing or guiding the flow of energy.
- Holistic: Relating to the overall well-being of an individual, including physical, mental, and emotional aspects.
- Conjunction: Used in combination with something else.

## Conclusion
In conclusion, energy healing is a valuable tool for promoting overall well-being. By understanding the principles behind energy healing and its practical applications, individuals can harness its power to improve their health and quality of life.


text: This term, Year 3 will be reading:. One small girl.. An unexpected detective.. A handful of suspects.. All aboard the night train, where no one is as they seem!. Our English work will be based around Max’s thrilling journey across Europe and helping her to solve the mystery of the missing diamond. about length, mass and volume. These will also form part of problem solving.. Topic – Crime and Punishment. This half term our topic work will be based on Crime and Punishment. They will look at the rules of law and how these have changed and been implemented over time.. Science. Science is taught as through Science Weeks. This half term, Year 3 will be learning about plants. Pupils will identify and describe different parts of flowering plants. They will explore the requirements of life for plants and understand their life cycle.

textbook:
Lesson: Measurement - Length, Mass, and Volume
Introduction:
Measurement is an essential skill in mathematics and science. In this lesson, we will learn about three fundamental units of measurement: length, mass, and volume. We will also explore how these units are used in everyday life and problem-solving.
Length
Length is a measure of how long something is. It can be measured in centimeters (cm), meters (m), or kilometers (km). To measure length, we use a ruler or tape measure.
Mass
Mass is a measure of how heavy something is. It can be measured in grams (g) or kilograms (kg). To measure mass, we use a scale.
Volume
Volume is a measure of how much space something takes up. It can be measured in milliliters (mL), liters (L), or cubic meters (m³). To measure volume, we use a measuring cup or container.
Problem Solving
Now that we know about length, mass, and volume, let's try some problem-solving exercises.
1. Maria baked cookies and wants to know how many she can fit in a 2-liter bottle. How many cookies can she fit?
Answer: Maria can fit approximately 2000 cm³ of cookies in a 2-liter bottle.
2. John has a box that measures 50 cm x 30 cm x 20 cm. How much space does the box take up?
Answer: The box takes up 10000 cm³ of space.
Conclusion:
In this lesson, we learned about length, mass, and volume, and how they are used in everyday life and problem-solving. By understanding these units of measurement, we can make informed decisions and solve problems more effectively.


text: Ron Paul: Political Immorality And Personal Immorality – OpEd. Many Americans have been shocked by recent revelations of the extent of sexual harassment in Congress. However, no one should be too surprised that those who spend their lives defending and expanding the welfare-warfare state engage in immoral personal conduct. It is only natural that an immoral system, like the welfare-warfare state, tends to attract individuals likely to practice personal immorality.. The welfare-warfare state is built on a foundation of taxation and fiat currency controlled by a secretive central bank. While some type of taxation may be necessary to fund the few legitimate functions of government, taking people’s money to fund a redistributive welfare state at home and a global empire abroad is nothing more than theft. The Federal Reserve’s erosion of purchasing power is also a form of theft.. The... This article was published by RonPaul Institute.

textbook:
Lesson: Understanding the Welfare-Warfare State and Its Impact on Personal Immorality

Introduction:
The welfare-warfare state refers to a political and economic system characterized by a large government bureaucracy that provides social welfare programs and engages in perpetual warfare. This system is built on a foundation of taxation and fiat currency controlled by a central bank. In this lesson, we will explore the principles behind the welfare-warfare state, its impact on personal immorality, and ways to combat its negative effects.

I. Understanding the Welfare-Warfare State

A. Definition: The welfare-warfare state is a political and economic system characterized by a large government bureaucracy that provides social welfare programs and engages in perpetual warfare.

B. Principles:
1. Taxation: The welfare-warfare state relies on taxation to fund its programs and operations.
2. Fiat Currency: The central bank controls the money supply, which leads to inflation and devaluation of currency.
3. Redistribution of Wealth: The welfare state redistributes wealth from the productive to the non-productive, creating a dependent class.
4. Perpetual Warfare: The warfare state engages in perpetual warfare to maintain its power and influence.

C. Impact on Personal Immorality: The welfare-warfare state creates an environment that encourages personal immorality.

II. Impact on Personal Immorality

A. Explanation: The welfare-warfare state creates a moral hazard by providing a safety net that discourages personal responsibility and accountability.

B. Example: People who receive government handouts may become dependent on them and lose the incentive to work hard and be productive members of society.

C. Conclusion: The welfare-warfare state contributes to personal immorality by undermining the values of hard work, responsibility, and self-reliance.

III. Combating the Negative Effects of the Welfare-Warfare State

A. Education: Educate others about the dangers of the welfare-warfare state and the importance of personal responsibility and accountability.

B. Activism: Engage in political activism to promote policies that reduce the size and scope of government and promote free market solutions.

C. Self-Reliance: Practice self-reliance by reducing dependence on government programs and services and promoting entrepreneurship and small business ownership.

Conclusion: By understanding the principles behind the welfare-warfare state and its impact on personal immorality, we can take steps to combat its negative effects and promote a society based on personal responsibility, accountability, and self-reliance.

Glossary:
- Welfare State: A political and economic system characterized by a large government bureaucracy that provides social welfare programs.
- Warfare State: A political and economic system characterized by a large government bureaucracy that engages in perpetual warfare.
- Fiat Currency: A currency that is not backed by a physical commodity, such as gold or silver, but rather by the government's authority to print money.
- Central Bank: A government institution that controls the money supply and interest rates.

[Insert image of a table here]

Table: Comparison of Welfare-Warfare State and Free Market Solutions
| Welfare-Warfare State | Free Market Solutions |
|----------------------|------------------------|
| Large government bureaucracy| Small government and decentralized power|
| Perpetual warfare| Peaceful diplomacy and international trade|
| Redistribution of wealth| Incentivizing hard work and personal responsibility|
| Fiat currency| Sound money backed by a physical commodity|
| Central bank control of money supply| Competitive banking and financial institutions|

[Insert image of a formula here]

Formula: The welfare-warfare state = taxation + fiat currency + redistribution of wealth + perpetual warfare.


text: Please Rotate Your Device. We will consider tax efficient planning for all of our investment and retirement solutions. Once you have built up your wealth, you will want to consider preserving this to be passed down to future generations.. Inheritance Tax (IHT) planning can help to ensure that your assets are passed down to your family, rather than being taxed at 40%. Without careful planning you could end up leaving a substantial tax liability on your death, thereby reducing the value of your estate paid to your chosen beneficiaries.. Our IHT planning service can include solutions such as:. Integrity365 was founded by an extremely strong and experienced management team who all work together successfully to provide an exceptional client experience.View Brochure

textbook:
Lesson: Introduction to Inheritance Tax Planning
## Section 1: What is Inheritance Tax?
Inheritance Tax (IHT) is a tax levied by the government on the estate of a deceased individual. It is payable on the value of the estate that exceeds a certain threshold, known as the nil rate band. The current nil rate band is £325,000, which means that the first £325,000 of an estate is exempt from IHT. Any amount above this threshold is taxed at a rate of 40%.
## Section 2: Why is IHT Planning Important?
IHT planning is essential because it helps to minimize the tax liability on your estate and ensure that your assets are passed down to your beneficiaries. Without proper planning, you could end up leaving a substantial tax liability on your death, which would reduce the value of your estate paid to your chosen beneficiaries. Additionally, IHT planning can help to protect your assets from creditors and other potential claims against your estate.
## Section 3: How does IHT Planning Work?
IHT planning involves a variety of strategies aimed at reducing the tax liability on your estate. Some common strategies include:
- Gifting: You can gift up to £3,000 each year without incurring IHT, and you can also make gifts of unlimited size to your spouse or civil partner.
- Trusts: You can set up trusts to hold assets for the benefit of your beneficiaries. Trusts can help to protect assets from creditors and provide a degree of control over how the assets are used.
- Investments: You can invest your assets in a way that maximizes their growth while minimizing their tax liability. For example, you can invest in assets that are exempt from IHT, such as qualifying business property relief (BPR) or agricultural property relief (APR).
## Section 4: Practical Examples
Let's consider two examples to illustrate how IHT planning works:
Example 1: John has a house worth £500,000 and some stocks worth £200,000. He wants to leave his assets to his children. Without any planning, the tax bill on his estate would be £80,000 (40% of £200,000). However, he sets up a trust to hold the house, and gifts £3,000 each year to his children. This reduces the value of his estate, and the tax bill on his death is only £20,000.
Example 2: Sarah has a pension pot worth £500,000 and some savings worth £200,000. She wants to leave her assets to her grandchildren. Without any planning, the tax bill on her estate would be £80,000 (40% of £200,000). However, she sets up a trust to hold her pension pot, and gifts £3,000 each year to her grandchildren. This reduces the value of her estate, and the tax bill on her death is only £20,000.
## Section 5: Conclusion
IHT planning is essential to ensure that your assets are passed down to your beneficiaries and to minimize the tax liability on your estate. By understanding the strategies involved in IHT planning, you can make informed decisions about how to structure your finances and protect your assets.


text:
COMPTROLLER AND AUDITOR
GENERAL (CAG) PART -2
CAG
Comptroller and Auditor
General of India

ARTICLES RELATED TO CAG
.148-COMPTROLLER AND AUDITOR GENERAL OF
INDIA.
.149-DUTIES AND POWERS OF CAG
150-FORM OF THE ACCOUNTS OF UNION AND
STATE.
151-AUDIT REPORTS

DUTIES AND POWERS
Article 149 authorizes parliament to prescribe duties and
powers of CAG
Parliament enacted the CAG's( Duties, Power , Condition of
service)act,1971.
Act was amended in 1976 to separate accounts for audit in
the Central government
Audits the accounts related to all expenditure form
1.Consolidated fund of India
2.Consolidated fund of each state.
3.Consolidated fund of each union territory having a
egislative assembly

OHe audits all expenditure forms
1.Contingency fund of India
2.Public account of India and states
Any department of the central govt. and state govt.
Audits the receipts and expenditure of th centre and the
state
OAudits the accounts of any other authority when requestec
by the President or Governor
For ex: audit of local bodies.
Advises the President with regard to prescription of the form
in which accounts of the Centre and State shall be kept(article
150)
He submits his audit reports relating to accounts of the
centre to President, who shall in turn ,place them before
houses of the parliament(article151)

OHe submits his audit reports relating to the accounts of a
state to a governor ,who shall in turn,place them before the
state legislature(article 151)
oHe ascertains and certifies the net proceeds of any tax or
duty(article-279)
His certification is final -the net proceeds means the proceed
of a tax or a duty minus the cost of collection.
He acts as a guide , friend
Oln 1976,he was relieved of his responsibilities with regard to
the compilation and maintenance of accounts of the central
govt. due to separation of accounts from audit , this is
departmentalization of accounts.

IMPORTANT POINTS
CAG submit three audit report to the President
1.Audit report on appropriation of accounts
2.Audit report on finance accounts
3.Audit report on public undertakings
OPresident lay these reports before the both the houses of the
parliament.
After this -public accounts committee examine
CAG is an agent of the parliament and conducts audit of
expenditure on behalf of the parliament.
Therefore, he is only responsible to the parliament.
OCAG has no control over the issue of money from consolidated
fund of India and many departments are authorized to draw
money by issuing cheques without specify authority from CAG
which is only concerned at the audit stage when expenditure has
already takenprace

CAG AND CORPORATIONS
1.Some audited totally and directly by CAGG
2.Some audited by private professionals auditors (appointed
by CG in consultation with the CAG
CAG can conduct supplementary audit
3.Some :totally subject to private audit (no role of CAG)
Role of CAG in govt. corporation is also limited :by private
auditors(appointed by govt.)+ CAG can supplementary audit.
In 1968 audit board was established including 2 members
and chairman appointed by CAG
RECOMMENDATION BY ARC

textbook:
Lesson: Introduction to Comptroller and Auditor General (CAG) of India

**Objective:** To introduce students to the role and functions of the Comptroller and Auditor General (CAG) of India.

**Grade Level:** Primary through High School

**Section 1:** Introduction to CAG

- What is the Comptroller and Auditor General (CAG) of India?
- Who appoints the CAG?
- What are the duties and powers of the CAG?

**Section 2:** Functions of CAG

- What are the accounts that the CAG audits?
- What are the expenditures that the CAG audits?
- What are the authorities that the CAG can audit?
- What is the role of the CAG in advising the President on the form of accounts?

**Section 3:** Importance of CAG

- Why is it important to have an independent auditor for government accounts?
- How does the CAG help ensure accountability and transparency in government finances?
- What are some examples of how the CAG's reports have led to changes in government policies or practices?

**Section 4:** Conclusion

- Summarize the key points learned about the CAG and their role in auditing government accounts.
- Discuss how understanding the CAG's functions can help students become informed citizens and contribute to a democratic society.

**Glossary:**

- Comptroller and Auditor General (CAG): An independent constitutional authority responsible for auditing the accounts of the Union and State Governments.
- Audit: An examination and verification of accounts and records to check their accuracy and compliance with rules and procedures.
- Consolidated Fund: A fund into which all revenues received by the government, except those which are specifically exempted, are credited.
- Contingency Fund: A fund created by the government to meet unforeseen expenses.
- Public Account: A fund into which all revenues not credited to the Consolidated Fund are credited.
- Receipts: Money received by the government from various sources such as taxes, fees, and grants.
- Expenditure: Money spent by the government on various programs, projects, and services.


text: Appalachian Trail Conservancy's Annual Leaders In Conservation Awards Gala... "Over the past few decades the Appalachian Trail Conservancy, along with countless agencies and partners, have worked hard to protect the Appalachian Trail. This would not be possible without the dedication and cooperation of such leaders as Senator Udall, Senator Collins, and Pam Underhill," stated Mark Wenger, Executive Director/CEO of the ATC.. Congresswoman Shelley Moore Capito of West Virginia and Congressman Jim Moran of Virginia will serve as Honorary Co-Chairs for this event. Terry L. Lierman and Goodloe E. Byron Jr. will serve as Co-Chairs of the Host Committee... For more information about this event visit. For sponsorship opportunities or tickets, contact Amy McCormick at 304-535-2200 x123 or by amccormick@appalachiantrail.org.. For more information about the ATC visit.. Contact: Javier Folgar. Appalachian Trail Conservancy. Tel: 304-535-2200x117. jfolgar@appalachiantrail.org. SOURCE Appalachian Trail Conservancy. RELATED LINKS

textbook:
Lesson: Introduction to Conservation

Conservation is the act of preserving and protecting natural resources for future generations. It involves managing and using resources in a way that ensures they are available for current and future needs while minimizing negative impacts on the environment. Conservation is important because it helps to maintain the health of ecosystems, protect endangered species, and prevent soil erosion.

In this lesson, we will explore the basics of conservation, including why it is important, what actions can be taken to conserve resources, and how conservation efforts can benefit both people and the environment.

Section 1: Why is Conservation Important?

Conservation is important for several reasons. Firstly, it helps to ensure that there are enough resources available to meet the needs of current and future generations. This means that we can continue to use resources like water, timber, and minerals while also ensuring that these resources are available for future generations.

Secondly, conservation helps to protect the environment. By using resources sustainably, we can reduce our impact on the environment and help to prevent things like soil erosion, pollution, and habitat destruction. This, in turn, helps to maintain the health of ecosystems and protect endangered species.

Finally, conservation can also have economic benefits. By using resources more sustainably, we can reduce the costs associated with things like waste disposal, pollution cleanup, and resource depletion. This can save money for individuals, businesses, and governments alike.

Section 2: What Actions Can Be Taken to Conserve Resources?

There are many actions that individuals, businesses, and governments can take to conserve resources. Here are a few examples:

- Reduce, reuse, and recycle: These three Rs are the foundation of sustainable living. By reducing our consumption of resources, reusing items instead of throwing them away, and recycling materials, we can reduce our impact on the environment and conserve resources.

- Use energy-efficient appliances and light bulbs: Energy-efficient appliances and light bulbs use less electricity than traditional models, which means they can help you save money on your energy bills while also reducing your carbon footprint.

- Plant trees: Trees absorb carbon dioxide from the atmosphere, which helps to combat climate change. They also provide habitats for wildlife and can help to prevent soil erosion.

- Support conservation organizations: There are many organizations working to protect the environment and promote sustainable practices. By supporting these organizations, you can help to fund their important work and spread awareness about the importance of conservation.

Section 3: How Can Conservation Efforts Benefit People and the Environment?

Conservation efforts can benefit both people and the environment in several ways. Here are a few examples:

- Protecting ecosystems: By conserving natural resources, we can help to maintain the health of ecosystems and protect endangered species. This, in turn, can help to ensure that these ecosystems continue to provide valuable services like clean air and water, as well as food and shelter for wildlife.

- Providing resources for future generations: By using resources sustainably, we can ensure that there are enough resources available to meet the needs of current and future generations. This means that we can continue to enjoy the benefits of resources like water, timber, and minerals while also ensuring that these resources are available for future generations.

- Saving money: By using resources more sustainably, we can reduce the costs associated with things like waste disposal, pollution cleanup, and resource depletion. This can save money for individuals, businesses, and governments alike.

Conclusion:

Conservation is an important practice that helps to protect the environment and ensure that resources are available for future generations. By taking actions like reducing our consumption of resources, using energy-efficient appliances, and supporting conservation organizations, we can make a difference in the world around us. By learning about conservation, we can become better stewards of the planet and work towards a more sustainable future for all.


text: SV3DPRINTER is a friendly community. We love environmental friendly, science and technology with artificial Intelligence.. We would like to have 3D Design GROUPS so we can share nice and creative ideas. This is Rapidly advancing emerging technology.. 3D Design groups will make the great community for the artists who make, design, write. 3D print groups or an artist can send us News, Design, or any information about 3D printing; 4D printing; Artificial Intelligence, Nano Technology.. More we use 3DPrinting we will have invention for better lifestyle, and better future.:). we will include in sv3d Design Groups for views. Thanks.. Please contribute your Design and group, about 3D, 4D printings emerging technology. Thanks. 🙂. sv3dprinter@gmail.com

textbook:
Lesson: Introduction to 3D Printing

## Section 1: What is 3D Printing?
3D printing, also known as additive manufacturing, is a process of creating three-dimensional objects from digital models. It involves laying down layers of material in a specific pattern until the object is complete. This technology has revolutionized the way products are designed and manufactured, making it possible to produce complex shapes and geometries that were once impossible to create using traditional methods.

## Section 2: How does 3D Printing Work?
3D printing works by slicing a digital model into thin layers, which are then printed one at a time. A printer extrudes molten plastic or other materials layer by layer, building up the object layer by layer. The material hardens immediately after it is extruded, and the object is built up gradually until it is complete.

## Section 3: Why is 3D Printing Important?
3D printing is important because it allows for rapid prototyping and customization. It enables designers and engineers to quickly test and refine their designs, reducing the time and cost associated with traditional manufacturing methods. Additionally, 3D printing allows for the creation of unique and personalized objects, such as jewelry or prosthetic limbs, that can be tailored to individual needs.

## Section 4: Real-World Examples of 3D Printing
3D printing has numerous applications across a wide range of industries. Some examples include:

- Healthcare: 3D printing is used to create prosthetics, dental aligners, and medical implants.
- Automotive: Car manufacturers use 3D printing to create prototypes and production tools.
- Architecture: Architects use 3D printing to create scale models of buildings and urban landscapes.
- Aerospace: Aerospace companies use 3D printing to create lightweight and durable parts for aircraft and rockets.

## Section 5: Conclusion
3D printing is a rapidly growing technology that has the potential to revolutionize the way we design and manufacture products. By providing the ability to quickly and easily create unique and complex objects, 3D printing opens up new possibilities for innovation and customization. As this technology continues to evolve, we can expect to see even more exciting applications and uses in the future.


text:
The mass-action law based algorithms for quantitative econo-green bio-research.
The relationship between dose and effect is not random, but rather governed by the unified theory based on the median-effect equation (MEE) of the mass-action law. Rearrangement of MEE yields the mathematical form of the Michaelis-Menten, Hill, Henderson-Hasselbalch and Scatchard equations of biochemistry and biophysics, and the median-effect plot allows linearization of all dose-effect curves regardless of potency and shape. The "median" is the universal common-link and reference-point for the 1st-order to higher-order dynamics, and from single-entities to multiple-entities and thus, it allows the all for one and one for all unity theory to "integrate" simple and complex systems. Its applications include the construction of a dose-effect curve with a theoretical minimum of only two data points if they are accurately determined; quantification of synergism or antagonism at all dose and effect levels; the low-dose risk assessment for carcinogens, toxic substances or radiation; and the determination of competitiveness and exclusivity for receptor binding. Since the MEE algorithm allows the reduced requirement of the number of data points for small size experimentation, and yields quantitative bioinformatics, it points to the deterministic, efficient, low-cost biomedical research and drug discovery, and ethical planning for clinical trials. It is concluded that the contemporary biomedical sciences would greatly benefit from the mass-action law based "Green Revolution".

textbook:
Lesson: Introduction to the Mass-Action Law and its Applications

### Section 1: Theoretical Concepts

The mass-action law is a fundamental principle in chemistry that describes the relationship between the rate of a chemical reaction and the concentration of the reactants. It states that the rate of a reaction is directly proportional to the product of the concentrations of the reactants, each raised to the power of their stoichiometric coefficients.

The median-effect equation (MEE) is an extension of the mass-action law that applies to biological systems. It takes into account the fact that the dose-response relationship is not always linear and can be affected by factors such as potency and shape.

The Michaelis-Menten, Hill, Henderson-Hasselbalch, and Scatchard equations are all derived from the MEE and are used to describe the dose-response relationship in various fields such as biochemistry, biophysics, and pharmacology.

### Section 2: Practical Examples

The mass-action law and its derivatives can be applied to various scenarios in the field of biology and medicine. For example, the Hill equation can be used to model the effect of multiple drugs on a target enzyme, while the Scatchard equation can be used to determine the affinity of a ligand for its receptor.

In pharmacology, the median-effect plot can be used to analyze the dose-response relationship of a drug and determine its potency and efficacy. This information can be used to optimize drug dosing regimens and minimize side effects.

### Section 3: Self-Debating Discussions

What is the significance of the median in the mass-action law?

The median is a critical parameter in the mass-action law as it serves as the reference point for the relationship between dose and effect. It allows for the linearization of all dose-effect curves regardless of potency and shape, making it possible to compare and analyze data from various systems and experiments.

How does the mass-action law relate to the field of pharmacology?

The mass-action law and its derivatives are essential tools in the field of pharmacology. The Michaelis-Menten equation, for example, describes the relationship between the rate of a drug's metabolism and its concentration in the body. The Scatchard equation can be used to determine the affinity of a drug for its target receptor, which is crucial for drug design and development.

### Glossary

- Mass-action law: A principle in chemistry that describes the relationship between the rate of a chemical reaction and the concentration of the reactants.
- Median-effect equation (MEE): An extension of the mass-action law that applies to biological systems and takes into account the dose-response relationship.
- Michaelis-Menten equation: A derivation of the MEE that describes the relationship between the rate of a drug's metabolism and its concentration in the body.
- Hill equation: Another derivation of the MEE that models the effect of multiple drugs on a target enzyme.
- Henderson-Hasselbalch equation: A derivation of the MEE used in pharmacokinetics to describe the relationship between drug concentration, pH, and solubility.
- Scatchard equation: A derivation of the MEE used to determine the affinity of a ligand for its receptor.

### Conclusion

The mass-action law and its derivatives, such as the median-effect equation, have wide-ranging applications in the fields of chemistry, biology, and pharmacology. By understanding the principles behind these equations, researchers can better understand the relationship between dose and effect and use this knowledge to design more effective drugs and therapies.


text:
ABOUT

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In the wake of the credit crunch, and with the significant failures exposed around corporate governance, the Financial Reporting Council commenced a review of the effectiveness of the UK’s Combined Code.

A progress report and summary of the consultation is available here. However some of the key points from a performance and risk management perspective are given below.

Many commentators on the review distinguished between the management of operational risks, for which the majority considered existing processes and guidance to be sufficient (at least for non-financial companies), and the management of strategic risks, in particular “high impact, low probability” risks. In the latter case the board’s responsibility for setting the risk appetite and profile of the company was of particular importance.

There was a view that not all boards had carried out this role adequately, and in discussion with the chairmen of listed companies many agreed that the financial crisis had led their boards to devote more time to consideration of the major risks facing the company. There were differing views about the extent to which risk management systems below board level may need to be reviewed in non-financial companies.

Some commentators on the review were critical of companies’ reporting on risk, which investors felt was often uninformative. In its most recent annual review, published in October 2009, the FRRP also identified some common failings in business reviews including lack of clarity about the business model and specific risks and uncertainties, and the use of boiler-plate descriptions.

textbook:
Lesson: Introduction to Risk Management

**Objective:** To introduce students to the concept of risk management and its importance in business.

**Overview:** Risk management is the process of identifying, assessing, and minimizing risks that may affect an organization's objectives. It is an essential part of any business as it helps organizations to make informed decisions, avoid potential losses, and maximize profits.

**Section 1: Theoretical Concepts**

1. What is risk management?

Risk management is the process of identifying, assessing, and minimizing risks that may affect an organization's objectives. It involves analyzing potential risks, determining their likelihood and impact, and implementing strategies to mitigate or eliminate them.

2. Why is risk management important?

Risk management is important because it helps organizations to make informed decisions, avoid potential losses, and maximize profits. By identifying and managing risks, organizations can reduce their exposure to financial losses, legal liabilities, and reputational damage.

3. What are the different types of risks?

There are several types of risks that organizations face, including financial risks, operational risks, strategic risks, and reputational risks. Financial risks relate to the financial health of the organization, such as cash flow, liquidity, and profitability. Operational risks relate to the day-to-day operations of the organization, such as production, delivery, and customer service. Strategic risks relate to the long-term direction of the organization, such as market trends, competition, and regulatory changes. Reputational risks relate to the perception of the organization by its stakeholders, such as customers, employees, and investors.

**Section 2: Practical Examples**

4. How does risk management work in practice?

Risk management works in practice by identifying potential risks, assessing their likelihood and impact, and implementing strategies to mitigate or eliminate them. For example, a company may identify the risk of a natural disaster disrupting its production process. To mitigate this risk, the company may implement a backup power supply system or locate its production facilities in a less vulnerable area.

5. How can risk management be applied in different industries?

Risk management can be applied in different industries to manage different types of risks. For example, in the financial industry, risk management is used to manage financial risks such as interest rate fluctuations, currency exchange rates, and credit risk. In the healthcare industry, risk management is used to manage operational risks such as patient safety, medical errors, and infection control. In the technology industry, risk management is used to manage strategic risks such as technological obsolescence, cybersecurity threats, and intellectual property theft.

**Section 3: Self-Debating Discussions**

6. How do you prioritize risks?

To prioritize risks, organizations should consider the likelihood and impact of each risk. Risks with a high likelihood and impact should be prioritized higher than risks with a low likelihood and impact. Additionally, organizations should consider the potential consequences of each risk and how they align with the organization's objectives.

7. How do you communicate risks to stakeholders?

Organizations should communicate risks to stakeholders in a transparent and timely manner. This includes providing regular updates on the organization's risk management activities, highlighting any changes in risk profiles, and explaining how the organization is addressing potential risks.

**Glossary**

- Risk: A potential event or situation that could negatively impact an organization's objectives.
- Risk Management: The process of identifying, assessing, and minimizing risks that may affect an organization's objectives.
- Likelihood: The probability of a risk occurring.
- Impact: The potential consequences of a risk occurring.
- Stakeholders: Individuals or groups who have an interest in the organization, such as shareholders, employees, customers, and suppliers.

**Conclusion**

Risk management is an essential part of any business as it helps organizations to make informed decisions, avoid potential losses, and maximize profits. By identifying and managing risks, organizations can reduce their exposure to financial losses, legal liabilities, and reputational damage. This lesson has introduced students to the concept of risk management and its importance in business.


text: [ ed]edAnonymous 09 Oct 2011 02:14. is QQ for mac lion OS X?. Unknown in 10.8. Works fine in 10.7. I'm putting the finishing touches on the all-new RoaringApps, with support for Mavericks & iOS 7.. Try it out now and help me squash some bugs.. Created by Anonymous on 12 Jun 2011 08:09.. Last updated by bcammo on 16 Jul 2013 03:31.. This is the developer's only listed app.. Supports iCloud. Secured by Gatekeeper. Supports retina graphics. Free popular instant messaging program based in and mainly used in China. The native client on Windows is exclusively in Mandarin and has been translated into English, French, and Japanese for the International version.. On Mac, the International and Native versions are merged and supports English, French, Japanese, and Mandarin Chinese.. 0 rating. [[/module]]

textbook:
Lesson: Introduction to Instant Messaging

### Section 1: Theoretical Concepts
Instant messaging (IM) is a form of communication that allows users to send and receive messages in real-time over the internet. It is a popular way for people to stay in touch with friends, family, and colleagues. In this lesson, we will explore the basics of instant messaging and learn about its history, benefits, and drawbacks.

### Section 2: Practical Examples and Real-World Scenarios
One of the most significant advantages of instant messaging is its ability to facilitate communication. For example, imagine you are working on a group project with your classmates. You can use an instant messaging platform to coordinate your efforts, share files, and discuss ideas without having to rely on email or phone calls. This can save time and increase productivity.

However, there are also potential drawbacks to using instant messaging. For instance, if not used responsibly, it can be a significant distraction from work or school. Additionally, messages can be easily misinterpreted without the context of voice or body language, leading to misunderstandings or conflicts.

### Section 3: Self-Debating Discussions
One of the most crucial skills to develop when using instant messaging is critical thinking. It is essential to consider the source of information and evaluate the credibility of what is being said. This can be challenging, especially when dealing with anonymous accounts or fake news.

To practice critical thinking, let's consider the following scenario: You receive a message from an unknown sender claiming to have inside information about a celebrity's personal life. How do you determine whether this message is credible? One approach could be to look for verifiable facts or evidence to support the claim. Additionally, you could research the sender's reputation or history of sharing accurate information.

### Glossary
- Instant Messaging (IM): A form of communication that allows users to send and receive messages in real-time over the internet.
- Group Project: A collaborative effort involving multiple individuals working together towards a common goal.
- Critical Thinking: The process of actively and objectively analyzing information to make a reasoned judgment.

### Conclusion
In conclusion, instant messaging is a powerful tool for communication and collaboration. However, it is essential to use it responsibly and critically evaluate the information shared. By developing these skills, we can apply them to new problems and make informed decisions.


text:
Find Peace at Home with Paint

Are you painting a room in your house to achieve a peaceful atmosphere? Whether it be a bedroom or a living room, a foyer or a kitchen, your color choice can affect the mood you are trying to set.

Despite the environmental and cultural aspects of the way we perceive color and how it affects us, there are some universal notions we can rely on: warm colors (reds, yellows and oranges) can evoke feelings of warmth and safety, while cool colors (blues, purples and greens) bring on feelings of calm, peace and serenity.

To achieve a peaceful atmosphere you have a wide choice of hues to choose from inside the major cool colors, ranging from neutral blanc de chine to a bold blue via pastel purples. Depending on your own preference and affinities to different colors, there are different tools that can help you put together a nice palette to decorate your house with. One of my favorite is Seeds Design, which gives palettes based on photos. The Olympic collections has some nice inspiration palettes as well. I also like to visualize the different colors I pick using Colorjive to upload a photo of my room and change the color with a click.

textbook:
Lesson: How to Choose Calming Colors for Your Home

Introduction:

Choosing colors for your home can be a daunting task. However, selecting calming colors can create a peaceful atmosphere that promotes relaxation and tranquility. In this lesson, we will explore the impact of color on our emotions and learn how to choose the right colors for your home.

Section 1: Understanding the Impact of Color on Emotions

Topic 1: The Universal Notions of Color

- Warm colors (reds, yellows, and oranges) evoke feelings of warmth and safety.
- Cool colors (blues, purples, and greens) bring on feelings of calm, peace, and serenity.

Topic 2: Cultural and Environmental Aspects of Color Perception

- Different cultures perceive colors differently due to their traditions and beliefs.
- The environment in which we live also affects our perception of color.

Discussion Questions:

1. How do different cultures perceive colors?
2. How does the environment affect our perception of color?

Section 2: Choosing Calming Colors for Your Home

Topic 1: Cool Colors

- Blues: promote relaxation and tranquility.
- Purples: evoke feelings of luxury and sophistication.
- Greens: create a sense of balance and harmony.

Topic 2: Neutral Colors

- Whites: provide a clean and crisp look.
- Off-whites: create a soft and cozy feel.
- Blacks: add depth and richness to a space.

Topic 3: Warm Neutrals

- Beiges: provide a warm and inviting atmosphere.
- Taupes: create a timeless and elegant appearance.
- Greige: offer a modern and sophisticated look.

Discussion Questions:

1. Which cool color would you choose for your bedroom? Why?
2. Which neutral color would you choose for your living room? Why?

Section 3: Applying Skills Gained from This Topic to New Problems

Topic 1: Analyzing Color Schemes

- Use color wheels to analyze color schemes.
- Consider the color psychology of the room's function.

Topic 2: Creating a Cohesive Look

- Use a consistent color scheme throughout the room.
- Coordinate accent colors with the dominant color.

Discussion Questions:

1. How can we use color psychology to create a peaceful atmosphere in our homes?
2. How can we create a cohesive look using color schemes?

Glossary:

- Color wheel: a visual representation of colors arranged according to their hue, saturation, and value.
- Hue: the color of an object, determined by the wavelength of light reflected by it.
- Saturation: the intensity of a color, ranging from pale to vivid.
- Value: the lightness or darkness of a color, ranging from white to black.

Conclusion:

In conclusion, choosing calming colors for your home can create a peaceful atmosphere that promotes relaxation and tranquility. By understanding the impact of color on our emotions and selecting the right colors for your home, you can achieve a serene and inviting space.


text: I spent this week pilot testing at the Stockholm Arlanda Airport. I realize in this context, ‘pilot testing’ sounds like breathalizing the flight deck. We were actually doing some advance test measurements for the big sampling campaign we plan to start in a few weeks.. The first workers we were scheduled to measure worked the afternoon shift, starting at working 14:00 and ending at 23:30. It was a great test, and helped prepare us for the next afternoon shift on Tuesday, during the first big snowstorm of the year.. If the goal of piloting is to test our methods and our mettle, mission accomplished! It was cold and chaotic and blowing ice shards and everyone was really busy trying to de-ice the planes and get the bags loaded and unloaded. It was a little surprising to me that tractors and other machinery at Arlanda has non-pneumatic, slick tires without any tread at all. There is no chance for these to get through the snow when it starts piling up!.

textbook:
Lesson: Pilot Testing

Introduction:
Pilot testing is a process of testing a new idea, method, or product on a small scale before implementing it on a larger scale. In this lesson, we will learn about the importance of pilot testing, its benefits, and how to conduct a successful pilot test.

Core Value:
The core value of pilot testing is to minimize risks and maximize success by testing an idea, method, or product on a small scale before implementing it on a larger scale.

Section 1: Importance of Pilot Testing

Topic 1: Minimizing Risks
Purpose: To understand why pilot testing is important in minimizing risks.

Question: Why is pilot testing important?
Answer: Pilot testing is important because it allows you to test an idea, method, or product on a small scale before implementing it on a larger scale. This helps you identify potential problems and make necessary changes before implementing the idea or product on a larger scale.

Topic 2: Maximizing Success
Purpose: To understand how pilot testing can help maximize success.

Question: How does pilot testing help maximize success?
Answer: Pilot testing helps maximize success by allowing you to test your idea, method, or product on a small scale before implementing it on a larger scale. This helps you identify what works and what doesn't, so you can make necessary changes to maximize success.

Section 2: Benefits of Pilot Testing

Topic 1: Learning from Mistakes
Purpose: To understand the benefits of pilot testing in learning from mistakes.

Question: What are the benefits of pilot testing?
Answer: The benefits of pilot testing include learning from mistakes, identifying potential problems, and making necessary changes before implementing the idea or product on a larger scale.

Topic 2: Cost Savings
Purpose: To understand the benefits of pilot testing in cost savings.

Question: How does pilot testing save costs?
Answer: Pilot testing saves costs by allowing you to identify potential problems before implementing the idea or product on a larger scale. This helps you avoid costly mistakes and save money in the long run.

Section 3: How to Conduct a Successful Pilot Test

Topic 1: Planning
Purpose: To understand the importance of planning in conducting a successful pilot test.

Question: What is the importance of planning in conducting a successful pilot test?
Answer: Planning is crucial in conducting a successful pilot test because it helps you set clear goals, identify potential challenges, and develop a strategy to overcome those challenges.

Topic 2: Execution
Purpose: To understand the importance of execution in conducting a successful pilot test.

Question: What is the importance of execution in conducting a successful pilot test?
Answer: Execution is important because it determines the success of your pilot test. You must execute your plan effectively to achieve your goals and identify potential problems.

Topic 3: Evaluation
Purpose: To understand the importance of evaluation in conducting a successful pilot test.

Question: What is the importance of evaluation in conducting a successful pilot test?
Answer: Evaluation is important because it helps you determine whether your pilot test was successful or not. By evaluating your results, you can identify areas for improvement and make necessary changes before implementing the idea or product on a larger scale.

Conclusion:
In conclusion, pilot testing is an essential process that helps minimize risks and maximize success. By conducting a successful pilot test, you can identify potential problems, make necessary changes, and ensure the success of your idea or product on a larger scale. Remember to plan, execute, and evaluate your pilot test effectively to achieve your goals.

Glossary:
- Pilot Testing: A process of testing a new idea, method, or product on a small scale before implementing it on a larger scale.
- Minimizing Risks: Reducing the potential for harm or loss.
- Maximizing Success: Achieving the greatest possible degree of success.
- Cost Savings: Reduction in expenses.