ShantanuT01/DACTYL-Pretraining huggingface dataset:
According to “What Compliance Looks Like,” What 4 basic elements of the Red Flags Rule must one include in their Identity Theft Prevention Program? For elements that must be included in the identity theft prevention program:  1. Descriptions and features helping to identify suspicious operations and harmful activities that can be recognized as identity theft attempts and called Red Flags.  2. Activities listed as red flags.  3. Instructions explaining how to act after a red flag is detected.  4. Improvements that are needed for the program to remain effective with the newly appearing threats. Who must comply with the Red Flags Rule? The Red Flags rule is designed for financial institutions and some of the creditors and only should be implemented in cases when covered accounts are detected. What is a “financial institution?” Financial institutions can be a state or federal credit union, savings, and loan association, a state, national, or mutual savings bank, or a person that, directly or indirectly, owns a transaction account that belongs to a client. What is a “creditor?” A creditor is a business or organization that defers payments and grants or arranges credits, can set the terms of credits, extend or renew them. A creditor also receives credit reports and provides finds for the clients who are obliged to repay later. What is a “covered account?” The Red Flags Rule is implemented when an organization or a business has covered accounts. The Red Flags Rule differentiates between two types of covered accounts. The first type includes consumer accounts created for personal purposes such as saving and checking accounts, mortgage or automobile loans. The second type includes any other counts that a creditor institution may hold, which can be under a risk of identity theft harmful for the customers of the institution; such accounts are a small business or sole proprietorship accounts. What staff members must be trained? To administer the program, the organization managers are to train the staff relevant to the practices covered by the Red Flags Rule. This means that all of the service providers who perform practices and tasks identified by the Rule (for example, operations involving granting and arranging credits) should be appropriately trained. What are the penalties for non-compliance with the Red Flags Rule? The responses to the non-compliance with the Red Flags Rule may include such actions as changing security codes and passwords of the affected accounts, contacting services such as law enforcement, notifying the customer of the account, checking the activities of the account for proofs of identity theft, closing the account altogether, reopening the affected account under a different number. List 3 types of Identity Theft? Three types of identity theft are:  1. Tax-related identity theft (includes frauds with stolen social
Overview of contemporary issues Contemporary issues refer to the various issues that might be facing the organization in the present time. These issues may include International Conflict, Terrorism, Waste Management, Natural Resources & Energy Conservation, mobile technology and communication, and many other current issues. In hospitality and tourism, the major contemporary issues include emotional intelligence, Professional Development (including employee empowerment, personality and conflict), Globalization and Cultural Diversity, Sustainability, Corporate Social Responsibility, values and Ethics. This paper will focus on corporate social responsibility as the contemporary issues facing hospitality industry. Corporate Social Responsibility In the hospitality industry, the issue of corporate social responsibility has been debated in detail and it is not yet clear how the industry should be regulated using corporate social responsibility actions. Corporate social responsibility deals with corporate conduct in respect to the broader societal values. It questions the responsibilities of hospitality establishment to the entire society. Despite the lack of an accepted theory of corporate social responsibility, it is obvious that CSR draws on the fields of ethics and morals, which are basic to most cultures (Averch, 1990). Hospitality establishments do not operate in a vacuum but constantly interact with the society. This is because it is a part of society. It interacts at a primary level with groups such as employees, distributors, consumers, stockholders, banks, suppliers and competitors. At a secondary level, it interacts with such institutions as governments, local communities, media social pressure groups, business support groups and the public. With all these interactions, hospitality establishments cannot afford to go on with their businesses without responding to issues affecting these groups. Thus, the reaction of hospitality establishments towards these groups is the source of corporate social responsibility (Demsetz, 1979). Some people argue that there is no such thing as corporate social responsibility. Others argue that CSR must and will eventually result in long run profits, while others feel that modern organizations must undertake social responsibility regardless of the profit. Whatever the argument, the question of accountability arises making CSR become a major contemporary issue in the hospitality establishments (De Wit, 2004). Corporate social responsibility involves decisions. The corporate world is decision oriented and corporations have an impact on society through these decisions. Therefore, CSR raises the question of rightfulness of decisions and of which decisions are more right. Furthermore, social responsibility goes beyond short run profitability of hospitality establishment. Merely meeti
Policy-making in healthcare is a complicated process where different parties are involved. It is important to understand that nurses are essential members of the medical team who can see the flaws of the healthcare policy through their everyday work. Therefore, registered nurses (RNs) and advanced practice registered nurses (APRNs) should be aware of their policy-making opportunities and be able to suggest their ideas. Even though they do not usually take an actual part in policy-making, they can influence the decisions of legislators. For example, Burke (2016) recommends RNs explore the general principles of policy-making and contact different nursing organizations, such as AARP. She states that it is always possible to volunteer to participate in policy-making activities and prepare a report on the necessary changes to present to decision-makers. APRNs are more experienced, and therefore, may have a greater influence on decision-making. The problem for both RNs and APRNs may be the lack of knowledge on how to address legislation-related issues (Houskova, 2018). Burke (2016) emphasizes that a nurse should always seek opportunities to increase knowledge in this field by exploring related resources. Moreover, participation in conferences and nursing associations is a good way to discuss these issues with colleagues and exchange experience. Legislators confirm that the engagement of NPs and APRNs in policy development is vital, but their opportunities are not addressed properly. One of the solutions would be to raise awareness of these opportunities through professional nursing organizations (Patton et al., 2018). It is also possible to form coalition groups to advocate for nurses’ engagement and collect their opinions about the current public policy (Patton et al., 2018). Another strategy is connected with the lack of nurses’ knowledge about the general principles of policy-making. American Nurses Association California suggests providing its members with necessary educational material and continuous support (Houskova, 2018). Together, these methods would demonstrate the opportunities for RNs and APRNs and increase their involvement in the policy-making process.
The obstacles first-generation college students face The first-generation college students refer to those whose parents did not receive a four-year degree. Among the obstacles encountered by such students, one may note the increasing costs of education in the US, degree completion, as well as feeling uncomfortable due to inappropriate treatment by others and social class divisions. The situation is complicated by the students’ unawareness of special programs such as Gear-Up or Trio initiated to support them. To help the first-generation college students in overcoming the mentioned challenges, it is possible to establish proper funding as their parents are often unable to pay for education. At the same time, one may recommend promoting awareness among them by presenting special programs on official websites of colleges. By hiring and training more stuff along with initiating an advising system, it is possible to achieve greater effectiveness in first-generation college students’ learning. Colleges may also assist such students by means of re-considering the Summer Bridge Program and becoming more conscious in identifying the mentioned students and monitoring their progress. The efficiency of salaries and incentives in retaining teachers Salaries and incentives are useful to retain teachers, but there are also some other tools such as motivation and engagement. As teacher salaries increased significantly since the 1950s, the remuneration now does not play the most important role in teacher attraction and retaining. Teacher unions also help in the above missions as they provide room for expression and reforms, targeting better working conditions and serving as a place for the experiment to improve teacher job satisfaction, thus retaining them. Another positive role taken by teacher unions refers to the formation of a partnership between teachers and the government by linking them to achieving a common goal. The re-consideration of teaching and schooling roles today’s ever-changing environment is one more responsibility of such unions. In general, advocating for teachers’ rights is the paramount contribution of teacher unions in the system of education in the US. Therefore, they seem to be rather helpful to retain teachers. The reasons for differences in educational achievement of men, women, and members of various race and income levels Gender, race, and income level disparities exist in the educational context as a result of different goals and conditions accompanying students. The given study suggests that girls tend to leave boys behind in terms of education since most of the latter target the subsequent two-year education or military service, while females are more likely to receive a four-year higher education. Males, especially African-American ones, misbehave more than females, which also identifies their learning outcomes. Along with career plans, the family environment and the income level determine a student’s learning grades since
To plan for the future early enough is a good thing, and as a precautionary measure, I have a Will, Durable Power of Attorney as well as Power of Attorney for Health Care. The paragraphs below will elaborate on general Will, Durable Power of Attorney, and Power of Attorney for Health Care. Besides, the importance of planning ahead and the challenges that the family faces when one fails to plan are discussed. Will is a unique legal document that specifies who will own or rather manage the estate or property of the “testator” when he or she dies. Writing a Will is not an easy thing for most people. A survey conducted by NSW Trustee and Guardian in the United States showed that two out of five Americans do not have a Will. Experts warn that if the testator fails to compile a Will, the estate will be divided according to government formulas. The case of Terri Schiavo is an example of the burden the lack of Will puts on the family of the testator. Terri’s husband and parents engaged in a conflict concerning her life support. The negotiations and endless trails took the family years to come to the final solution. This happened because Terri’s husband insisted that there was no point in maintaining her vegetative state, while her parents confronted the diagnosis and insisted on the continuation of Terri’s life support. Power of Attorney is a particular right the ‘Principal’ grants an ‘Agent’ or ‘Attorney-in-Fact.’ The Agent is required by legal authority, to make decisions for the Principal in case of their incapacitation. Principals should be very careful when choosing Agents because the “actions” of the Attorney-in-Fact will be deemed legally as those of the Principal. Unfortunately, the legal framework and court system do not have any regulatory mechanism over the Power of Attorney. As it happened in the case of Terri Schiavo, in 1998, a right-to-die litigator, filed a petition to withdraw life support as her husband wanted. The court detracted the report of the guardian ad litem in favor of Michael’s interests. Power of Attorney for Health Care requires the Principal to appoint a surrogate who will act as a trusted healthcare agent. All the health preferences of the Principal are set out in this document. Since illnesses and death are inevitable, this is a necessary measure. This way, experts warn that selecting the right person as a surrogate is highly important. In Terri Schiavo’s situation, the decision about her health lay in the hands of her husband and parents just because she never communicated her desires considering her properties and capital as well as her life support. Terri ignored these actions even though he had been ill for years. Planning is an essential way of living for a responsible human being. Planning is important when it comes to health risk and opportunity assessment. Terri Schiavo’s case is an ugly scenario where the testator failed to write a Will in time. Failure to compile a Will creates a huge pressure on the family members after that the family may start court battles and exhausting arguments, which are v
Abstract In the given paper, the threats that one is likely to encounter in the profession of an insurance agent are discussed. Because of the great responsibility that one takes when insuring something, the understanding of the liability in the given sphere is quite different from everything that one might experience in the other spheres. It cannot be doubted that only taking a specific approach to the peculiarities of the profession and the extraordinary cases when one has to take specific care of the problems in question. Therefore, the aspect of being an insurance agent demands serious considerations. Because of the liability issues that the profession presupposes to tackle with, one can face considerable difficulties. Therefore, the aspects of insurance are to be considered carefully. Introduction: To Start from the Scratch Being an insurance agent involves considerable responsibility and the need to take account of every plausible effect that the given action might have on the customer and on his/her state of affairs. Considering both the profit of the client and the well-being of the company often leads to certain conflicts that must be solved, otherwise both parties are highly likely to loose. Therefore, the liability of an insurance agent is the prior thing to consider when it comes to speaking of the specifics of the profession. Identifying the Problem: Where the Shoe Pinches It is reasonable to mark that the profession of an insurance agent requires the skills to sell insurance and promote the services of the company for the probable clients to apply. However, historically, these were banks that owed the prerogative to sell insurance. This is where the constant struggle between the banks and the insurance agents in selling insurance stems from. It is highly important to mark that the concern for the right to sell insurance is mainly the concern for the client and his/her further profit. Therefore, the problem has been brewing for quite long until it finally began to resolve: “Thus, for example, U.S. banks complained for decades about being prohibited from selling insurance, because agents opposed to banks selling insurance influenced legislators and regulators” (Skipper 180). Fig. 1. Aflac. However, it can seem rather doubtful that banks are not able to provide the clients with the same amount of safety as the insurance agencies can. Indeed, banks with their settled and long-established system of work and the well-developed infrastructure might seem reliable enough to be trusted in. Yet it proves that the insurance agencies can provide a greater degree of safety for their clients, which means that insurance agencies have all reasons to be trusted in. Thus, the struggle between the two opponents has been long and painstaking, yet nothing has been resolved so far,
There exists considerable controversy over the judgment of the Molly Maguires. While labor rights activists term them as labor heroes, a score of anti-terrorists have branded them with descriptions like “bloodthirsty terrorists” (Metress, 2000, p. 1). The group developed as a labor group protecting the rights of coal-mine workers who were being mistreated. It existed from mid to the late nineteenth century. The membership of the Molly Maguires was mainly Irish and the name was taken to be synonymous to assassins and murderers. In America, therefore, all Irish miners were known to be Molly Maguires and any person supporting labor unions was called a Molly. The name was adopted from the name of a widow who was firmly established in Catholicism and could not change her faith even after Protestants of Scottish, English and other origins attempted to alienate her from Catholicism. In summary, the name Molly Maguire was a general name that was given to violent Irish miners who had ethno religious beliefs, killed p and crippled people without any qualms. Let us have a detailed look at how the bloodthirsty labor union started (Tonny, 1998, p. 1). In the proximities of mid nineteen century, the Irish moved to America looking for jobs. During this time, coal mining was common in Pennsylvania and it offered ready jobs. This attracted the Irish men and women, who had agricultural backgrounds. Since they were pretty inexperienced as compared to the Welsh laborers, they were offered unskilled positions under the supervision of the Welsh. Mine owners owned everything in the mine including the homes of the laborers and the shops from which they bought goods. They were then forced to make their purchases from the shops that were operated by the mine owner whose goods had prices that were considerably higher than the prices of the same goods in private shops. Consequently, the miners were always indebted to the owner of the mine. The Irish, despite their hard work, also faced other insurmountable problems that included religious prejudice that was directed towards their belief in Catholicism. With the continued immigration of more Catholic Irishmen, natives started to riot and remarkably burnt two Catholic Churches in Philadelphia. Such kind of attacked were directed towards the Irish, generally, and thus it was not limited to Catholics. As a result of this mistreatment, the Catholics began to form unions meant to help new immigrants adapt to American life (Weisman, 1999, p. 1). The societies were peaceful as demanded by the Catholic faith but with time, members of these unions were continuously prosecuted. With the stated continued prosecution of Irishmen, the unions started to retaliate violently; this was deeply rooted in Irish culture. In 1857, the ter
The reviewed module proved to be very insightful in more ways than one. The study of the phenomena and mechanisms of economics and modern society are beneficial to one’s professional and personal development since it improves one’s awareness of the surrounding world. As for the theories that are created to attempt to understand these phenomena, they contribute to this awareness while also improving one’s cognitive skills, including critical thinking. The module was devoted to globalization and international trade, which, in my opinion, are crucial topics for the modern business since nowadays, an industry and even a single company are unlikely to remain unaffected by globalization. Globalization, however, is more than just an economic phenomenon; the term describes the processes of global integration in most fields of human activities, including communication, culture, social norms, and economics (Näätänen 2015), which eventually results in international trade (Rugman & Collinson 2012). The two theories of Absolute and Comparative Advantages attempt to explain the latter phenomenon and provide the actors with strategies that can supposedly grant a niche in the international market (Rugman & Collinson 2012). Both theories take into account the fact that the global economies are varied; some of them are capable of producing a good with greater efficiency (fewer inputs), which means that they have the absolute advantage in this respect. For instance, a tropical country has the absolute advantage in producing tropical fruits. Comparative advantage deals with lower opportunity costs of producing a good. In this case, the country that has the advantage produces and sells more of this good, and another country has the opportunity of buying it at a cost that is lower than the cost of production. In my opinion, these theories provide an insight into the way international trade complicates and facilitates modern economy: it tends to improve the well-being of humanity by promoting most efficient ways of producing goods and provides the connections that make globalization real, but the connections remain complex and tend to be affected socially and politically. An example is sanctions, for instance, the ones that have been imposed on Russia recently (Jenkins 2016). The module demonstrates that globalization is capable of affecting industries in positive and negative ways, but it is hardly reversible (Kiyotaki & Miyakawa 2013; Solodkovska &
Introduction The movie The Words depicts a story of a writer who publishes a book about a young aspiring writer (Rory) living in New York with his wife (Dora). Rory’s books are being constantly rejected by publishers; during the couple’s honeymoon in Paris, Dora buys Rory a present, an old briefcase. Only after their return to New York Rory discovers a manuscript in the briefcase and decides to sell it as a book after his wife reads the manuscript and assumes that it is his work. Rory becomes an awarded and recognized writer, but he eventually meets the author of the manuscript and realizes the mistake he has made. He wants to reveal the author at first, but his publisher advises him not to. Eventually, Rory has to keep the secret and live with it. At the end of the movie, it becomes clear that the author of the book, Clayton Hammond, wrote an autobiographical story. The three ethical issues are theft of the work of another writer, lies in marriage, and the problem of one’s doubling identity and life. Analysis Rory is a metaphor for lies, theft, and plagiarism that currently exist in our culture; his actions partially support the postmodern argument that nothing new can be created and everything is copied. Rory’s actions do not align with respect as a pillar of a character because he neither respects himself nor his wife by lying to her. Rory’s character is not just or fair (second pillar) at the beginning of the movie, but at its end, he demonstrates the desire to be fair by trying to help the old man. However, Rory does not become trustworthy (third pillar), as he decides to keep the secret from the public. Marriage is symbolic of trust, love, acceptance, and support. However, Rory wanted his wife to see him as a talented and brilliant author, which prevented him from telling her the truth. This decision led to reoccurring fights between the characters and Rory’s questioning of his identity, as he believed that he was not the person his wife loved. The author’s confrontation with Rory was based on his perception of Rory as one who had stolen his life, mistakes, and experiences, thus demolishing their significance. His confrontation is based on the fact that he “loved words more than women” and thus lost his happiness (family) due to his love for writing, which was stolen by another man (Klugma