ShantanuT01/DACTYL-Pretraining huggingface dataset:
Taking on debt has become a norm for most Americans, with the total debt by the population exceeding $13 trillion (Renzulli, 2018). This is partially due to the increased comfort level that people have with taking on debt. It is influenced by various factors including a social mentality that accepts credit card usage as an inherent part of Capitalism. Other aspects include lack of education or understanding about the intricacies of debt and the damage it could do if one is suddenly unable to make payments. As the Federal Reserve continues to lead a strategy of increasing national interest rates, this impacts lower level consumers using credit cards. Many credit cards have interest rates that are connected to the prime rate, which varies based on the national interest rates. Therefore, it will become more expensive to maintain the credit balance one has accrued. Forbes magazine offers solutions to manage this problem if the issue becomes overwhelming, including a balance transfer, negotiations with the credit card company, or a personal loan (Clements, 2017). Accumulating credit card debt is significantly easier than the challenge of paying it off. It is based on human psychology, which credit card companies manipulate for profit. It is extremely critical to use strategies and self-control which can protect you from overwhelming debt. This includes creating an emergency fund with any leftover monthly revenue, resisting the urge to spend it on personal desires. If a credit card should be used, one should only charge what you can afford to pay off that month, or two at the most. Furthermore, one should avoid cash advances and missing credit card payments as it will create additional interest and debt (Irby, 2018).
Introduction This research paper sets to analyze the underlying truth between Jesus and God, while basing the analysis on the facet of Christology. The paper tries to offer a better understanding on the relationship of Jesus and Almighty God especially on the person and nature of God the Son. This is who Jesus is and what can be termed as him. Body The Trinitarian believers puts the position of Jesus while trying to explain whom he was in comparison to the father in a better and more comprehensive fashion, that the Father is God, as well as the Son and the Holy Ghost. Both the three are termed as God. Amidst this, it continues to edify The Father, who is God, is not in any way the Son, nor is He the Holy Ghost. Similarly, a distinction is made to clearly separate the son from the Holy Ghost while creating the impression that, there is only one indivisible and perfect God and not three Gods as might imply. As much as the trinity is criticized as having some ambiguity and clouded with concerns, it sets the best example as to who Jesus was. However, the New Testament fails to offer a formal and clear doctrine concerning the Trinity while it hardly discusses it as it is. Nevertheless, Stagg (38) has categorically stated that the New Testament has repeatedly spoken about God the Father, Son as well as the Holy Ghost This is what compels a comprehensive understanding of God in the threshold of Trinity. To demystify the relationship existing between God the Son and God the Father, it is important to look at all the references to God the Son and the Father (Torrance 10 ) . This sets clarity on the kind of relationship that the Father and Son have. For instance, the baptism of Jesus gives a perfect distinction between them, as seen in the book of Matt. 3:16-17. After baptism and while leaving the water, Matthew alleges the heavens opened and another God , a part of the Trinity, the Holy Ghost, desc
Executive Summary The purpose of this report is to develop an Integrated Marketing Communication plan to aware specific target market about the products and services of not-for-profit organization “Fitness Australia” to increase health conscious customer base and offer exceptional service at lower costs. In order to do so, this report will focus on many external and internal factors such as objectives of IMC plan, SWOT analysis, target market, selection of media, slogan of the campaign, time frame, budget, messages, IMC strategy, and so on. Introduction Fitness Australia has already arranged many programs such as Business Membership Program of this organization provides benefits to the industry suppliers, Exercise Professional Registration Scheme sets an industry standard, and Continuing Education Scheme provides courses for fitness industry professionals and owners (Fitness Australia, 2011). About 10 million people who need this sort of therapy and numbers of adult citizen of the country are classified as “clinically obese” for having the notable impact of stress and disability at a larger ratio; therefore, Fitness Australia would arrange IMC Campaign to encourage the professionals to increase standards of customer services and aware customers to lead healthy life. The core services and facilities offered by Fitness Australia comprises fitness room, composed of latest training materials, circuit training room with PACE hydraulic system, swimming pool, walking track, hot tub, cardio- centre including modern cardiovascular materials of stair climbers, elliptical cross trainers, recumbent and stationary bicycle, and treadmills saunas, racquetball courts, Wally ball court, etc. Target Market Analysis The healthcare products and services of Fitness Australia is suitable for all customers, but this company should target mainly health conscious people who like to lead healthy life by giving effort for regular exercise. However, Fitness Australia should target middle-class and higher-class middle-aged people and teenagers (15 to 45 age groups) for this IMC campaign project though all people would be benefited from this campaign. Market Segmentation Fitness Australia believes that the success of the IMC campaign would generate great awareness amongst the people of Australia and help the nation to build a new generation that will be physically fit to work on for the national welfare. With this vision, the company wants to focus on not only the people aging from 20 to 35, but rather, the entire nation; therefore, it is essential for the firm to assess the demography of the country before undertaking the IMC campaign: Segmentation Through Age Structures and Inhabitants Total populace                                       21,766,711 in 2011 estimation
Economics is the social science that focuses on the behavior of organizations, groups of people, and individuals that manage (use, allocate, accumulate) resources. Microeconomics studies the behavior of individuals and small groups managing scarce resources. It is necessary to note that economics uses a scientific method which helps to achieve “accurate representations of reality” (Wetzstein 12). Thus, researchers define variables, factors which are exposed to changes and try to understand the correlation between the variables. Thus, the hypothesis is an assumption that variables correlate in a certain way, and researchers try to find evidence which could prove that the correlation exists. It is necessary to note that economics faces certain social science challenges. Thus, in natural sciences, researchers often employ controlled experiments, but the natural experiment is mainly used in social sciences (Arnold 17). It can be explained easily as economics studies different processes and trends in the society, and it is impossible to check a hypothesis in laboratory conditions as all trends and concepts have to be observed within the society. It is also important to add that there are several theoretical approaches exploited in economics. Different researchers have focused on certain principles, factors, and variables, which led to the development of numerous approaches (Tucker 280). Researchers have been interested like prices and product system, their allocation, and restoration. One of the approaches which had a great impact on the development of economics was Classical Political Economy (CPE). Thus, the ‘correct’ prices are set to allocate commodities to optimal social welfare (Tucker 756). The government plays an important role in this process, and the economy is regulated significantly. Another important approach is the neoclassical economy. According to this approach, the price depends on “market demand and supply curves” (Wetzstein 17). In other words, prices are set by demand and supply, and cannot be regulated by the government (if the two factors mentioned above are ignored). Another influential theoretical model is labor production-based economy, which stresses the correlation between prices and labor production (Mankiw 24). The exchange-based approach is another model based on the assumption that people are willing to substitute goods by other goods (Mankiw 57). Assumed convexity of preferences is one more approach which has gained much popularity. According to this model, the average “well-balanced commodity bundles” are preferred to extreme or unbalanced bundles (Wetzstein 46). Finally, the concept of endowment plays an important role in modern economics. Supporters of this approach note that people tend to value certain endowment when they own it (Arnold 167). At that, it is believed that people tend to value different commodities, and it is possible to
The US apparel industry is extremely lucrative. The industry is worth more than one hundred billion dollars. The profitability of the industry has attracted tens of thousands of shopping malls that specialize in selling various types of attire. Women clothing stores have a lion’s share of the market. The size of shopping malls ranges from small boutiques to large stores, whose operations span various states. Nordstrom is one of the largest apparel retail stores in the US. Nordstrom’s popularity rises from the fact that it offers high quality clothing to its customers, and strives to meet the specific needs of its customers. The retail clothing industry faces great uncertainties due to the economic situation in the US and Europe. Economic uncertainties increase volatility of prices and create significant shortage of labor. Economic situation in Europe increases the threa
Abstract Background Several microarray studies have revealed the gene lists for forecasting the outcome of various methods of treating diseases. These studies have compiled gene lists that overlap to a small extent, signifying that the findings from any one study are unstable. It has been proposed that the fundamental pathways are alike and that the expression of gene sets, instead of that of individual genes, may give more information in predicting and understanding the basic biological processes. Results In this experiment, we wanted to study the constancy of prognostic traits based on gene arrays instead of single genes. We documented breast cancer findings from five microarray studies concerning the risk of metastasis. The traits of the individual genes in the sets are cumulated by utilizing a set statistic. In doing this, it was found out that the ensuing prognostic gene sets were as predictive as when individual genes were used but exhibited more steady rankings via bootstrap replication within datasets. Besides, the resultant prognostic genes produced more steady classifiers across dissimilar datasets, this made them easier to interpret as they studied gene expression in the context of the adjacent genes in the pathway. Conclusion Currently, most studies of gene expression have centered at the level of individual genes. This experiment demonstrates that an alternative method of examining data using predefined gene sets can lower the errors and could give further information into the fundamental biological pathways. Introduction Roughly, 12% of females in the US will develop cancer in the course of their life (Wang et al, pp. 4). Despite the progress made in treatment options such as chemotherapy, Wang et al (4) assert that breast cancer still ranks as the second most dangerous cancer in women. This points to the growing need for the improvement of methods to predict the prognosis for the disease. With the introduction of large genetic databases and the drop in costs for the studies, scientists are faced with selecting from a large pool of likely prognostic markers from various examinations of breast cancer gene trait reports. Methods The experiment observed several techniques for extracting gene sets and the data collected are as described below. Data Five sets of breast cancer data were used for the study from NCBI GEO, these were GSE2034, GSE4922, GSE6532, GSE7390, and GSE11121 (Abraham et al, pp. 2). The five datasets are Affymetrix HG-U133A microarrays, the data first underwent a quality control procedure where some values were eliminated based on the variance on the datasets, this left each dataset with 22,215 probesets. They were then independently normalized. Data Composition The data in each of the five datasets contain both negative and positive lymph nodes from the examined patients. The patients were placed into two categories of low and high risk. Information gathered from patients with more than five years was removed from the dataset as these patients were considered non-informative. Set Statistics The importance of the set statistic is to decrea
Summary A user manual is a document used to guide the user on how to setup, operate and maintain a particular product. There is a standard universal structure of designing a user manual that must be followed by all manufactures in order o make the use of various products and devices easy and enjoyable. Failure to provide users with a clear and comprehensive user guides or manuals can lead to serious consequences such as accidents or damaging of the product. This paper describes and analyses user manuals of two devices in relation to the manual evaluation criteria. Manual description This paper will describe the content and organization of the Nokia internet modem manual together with the Apple TV user guide for the sake of analysis using the manual evaluation criteria. Nokia internet modem user manual The Nokia internet modem manual is a detailed manual designed to provide the user with appropriate knowledge of operating and maintaining the device. The manual has a title page that contains the title of the device manual with the edition notice at the back of the title page. The manual begins with a table of contents that enables the user to locate the required information as fast as possible. Major topics and subtopics are listed in the table of contents showing the exact location of specific information by page. The Nokia internet modem manual has a brief introduction that contains an overview of the modem in general. The guide goes ahead to show the user how to get started in connecting the modem to the computer. The manual shows the main view of the modem describing the main features. The manual has the shortcuts section that helps the user to access websites, applications and files. The manual highlights predefined shortcuts and how to create new shortcuts. The manual also has messages and contacts section that describes all the features of a messages menu together with contacts. The fundamental section of this manual is the tools and settings section that demonstrates to the user how to use different tools. The manual has got troubleshooting information to the help the user fix problems that might occur in the course of using the modem. This section highlights both general and connection settings of the Nokia
Introduction Modern human civilization is build on and continues to be principally dependent on large quantities of energy to sustain it. The primary source of this energy has been fossil fuels. As early as the 19 th century, fossil fuels were being used to power industries and to date; they continue to be the primary source of energy for man’s industrial efforts. However, as a result of the exponential industrial expansion and the population explosion that subsequently followed, these traditional sources of energy have been stretched to their limits as the demand for energy continuous to grow. In additional to this threat of exhaustion, it has in the recent decades been acknowledged that fossil fuels are largely responsible for adverse effects on the environment. A wider exploitation of renewable energy sources has been seen as the key to enhancing the energy security for many nations as well as mitigating environmental effects caused by fossil fuels. Governments have therefore begun to seek alternative energy sources such as wind, wave, ocean currents and solar energy. These sources are to act as alternatives to the use of existing oil and natural gas sources. While alternative energy sources have been hailed by some as the only way through which man will be able to satisfy his energy needs, other people view these means as unfeasible. This paper will argue that renewable energy sources if fully utilized can lead to an end to the world’s energy need problems and mitigate the environmental hazards caused by fossil fuels. To reinforce this assertion, this paper will engage in a detailed discussion as to why renewable energy sources should be adopted and reliance on fossil fuels decreased. A case for Renewable Energy The world cannot run on fossil fuels indefinitely since there is only a finite amount of fossil fuel reserves on earth. Issitt and Warhol reveal that according to a BP report, only 1,200billion barrels of crude oil remain in the world’s oil reserves (1). Bearing in mind that the current consumption rate is about 31billion barrels per annum, it can be projected that the world will run out of its reserves in the next 4 decades. This is a bleak reality since most of the world’s technology is made to utilize fossil fuels (Issitt and Warhol 1). As such, governments must invest more in alternative energy so as to reduce the dependency on fossil fuels which are predicted to run out in the not so distant future. The overreliance on fossil fuels results in the increased dependency of the U.S. to the oil producing nations. While the U.S. does produce some fossil fuels, The US department of Energy notes that the contribution of the US is only 3% while its consumption is up to 25% (Issitt and Warhol 1). These points to a high dependency on oil imported from other countries by the US. This inevi
Introduction One of the main qualitative aspects of the ongoing discourse of post-colonialism (concerned with defining the actual effects of political independence on the formerly colonized countries), is that it often addresses the issue of what can be considered the indications of one’s endowment with the so-called ‘post-colonial’ identity. The inquiry is usually being applied in defining what account for the psychological differences between those individuals who were born and raised during the colonial era, on one hand, and their post-colonial descendants, on the other. In this respect, the reading of the novels Things Fall Apart by Chinua Achebe (1958) and Midnight’s Children by Salman Rushdie (1981) will come in particularly handy. The reason for this is that the mentioned novels do contain a number of in-depth insights into the subject matter in question. In this paper, I will explore the validity of the above-stated at length, while elaborating on what account for the colonialism and post-colonialism’s effects on the formation of one’s sense of self-identity. Body As of today, it became a commonplace practice to suggest that there was hardly anything positive for the native people of Africa, within the context of how Westerners went about subjecting them to their rule in the late 19 th century. This suggestion is thoroughly logical. After all, while pursuing with the mentioned undertaking; Western colonizers never ceased being solely preoccupied with turning the representatives of Africa’s native populations into the subjects of merciless exploitation. There was, however, even more to it – by ‘bringing the light of civilization’ to the ‘poor savages’ in Africa, Westerners undermined the structural integrity of African native communities, where the social dynamics are being effectively defined by the factor of kinship. The reason for this is apparent – Europe’s colonial expansion in Africa proceeded in close collaboration with Christian missionaries bringing the ‘good news’ to the natives. And, as we are well aware of, Christianity deems the animistic traditional beliefs of African natives ‘wicked’. Yet, it is namely because of having been endowed with these beliefs, that their affiliates were able to lead the communally-integrated (collectivist) lifestyles, which in turn ensured the emotional well-being of the individuals in question. Therefore, there is nothing odd
Introduction Background Hennes & Mauritz AB, popularly known as H&M, is one of the world’s largest clothing retailers. Founded in 1947, the Swedish company is headquartered in Stockholm and operates in more than 74 countries (Plunkett 2004). The management of this company has been keen on aligning its operations with the emerging technologies. Currently, it has made its products available in online platforms in 33 countries. The organizational performance of this company has been a huge success, especially over the last two decades (Rein 2014). The management has been embracing creativity and innovation as ways of ensuring that they offer their customers superior products. The use of digital marketing strategies has been at the core of the firm’s operations over the recent past. Top managers have created a platform that makes it easy to embrace new concepts and technologies in the market (Grant 2009). The firm has also been investing in employees’ empowerment programs to ensure that they can cope with emerging market trends. This paper synthesizes the influence of H&M’s key digital marketing concepts and delineates their role on the organizational performance. It specifically seeks to assess the linkage between the success of H&M’s organizational performance and the use of digital marketing strategies from 2010-2020. Problem Statement Digital marketing strategies are becoming increasingly popular in the modern era. Neher (2019) explains that irrespective of a firm’s size, online marketing platforms have created unique opportunities for promoting a brand and products. Facebook has more than 2.8 billion active users around the world, YouTube has 2 billion, Instagram has 1.1 billion, and Twitter has over 300 million (Hwang 2020). Other major digital platforms through which a firm can reach out to their customers include Yahoo, Gmail, LinkedIn, Vimeo, and AOL (Clarke 2019). When social medial platforms such as Facebook emerged in 2008, most of the leading global corporation did not consider them as potential platforms through which they could promote their products and brands. The perception has changed over time as it became apparent that most of the targeted audiences spend a significant amount of time on these platforms. In fact, newspapers and magazines, which were popular about 2 decades ago, have gradually lost their appeal because of the decreasing number of people who read them (Kehoe 2018). H&M is one of the largest multinational corporations that have actively embraced the use of these digital platforms to reach out to their customers (Linkov et al . 2019). It is necessary to ascertain if there is any linkage between the success of this firm’s organizational performance and its active use of digital marketing strategies within the stated period. Purpose of the Study The purpose of this paper is to investigate the impact that the use of digital marketing strategies has had on H&M’s organizational performance. The company has been keen on aligning its operations w