Vision’s of Light

Applying â€Å"Visions of Light: The Art of Cinematography† After watching the film, â€Å"Visions of Light: The Art of Cinematography,† I was introduced to the beauty of capturing perfected lighting, highlighting, and shadowing. Before watching this documentary, I never truly focused on how a scene was portrayed and why it made me feel how I did. After careful consideration, I have decided to apply my new knowledge to why I feel, â€Å"A Little Princess† has been perfected by cinematographer, Emmanuel Lubezki. Furthermore, why I am pleased to know that â€Å"A Little Princess,† was nominated Academy Award for Best Cinematography back in 1996.During the film, â€Å"Visions of Light,† I learned about the importance of how lighting an individual or a certain part of a room can speak for itself. One fact that I found was interesting, was one character in a scene will have more light on them than any others in the room to show the importance of that cha racter in that moment. Another interesting fact I learned was on female actresses, they used flashing to make the image look soft and beautiful. In â€Å"A Little Princess,† Emmanuel Lubezki used flashing during filming.My favorite scenes are of India with the contrast between the richness of whites, oranges, and bright yellows. The cinematography is so soft and beautiful, it can easily consume one. Another scene that takes my breath away, is when Sara wakes up one morning to the light shining into her glass windows. As she gets out of bed, her windows fly open with little snow flakes floating in the air. The light captures it so well, you can see each speck of glittering snow. The rest of the room is dark, while the light strictly focuses on her while she twirls in the snow.It truly is alluring. On the contrary, shadowing and darkening also can speak for itself. â€Å"Visions of Light,† referenced darkening scenes to give off sadness, lonesome, anxious, and horror. It builds up suspense and thrill. This aspect of â€Å"lighting† is applied to â€Å"A Little Princess,† as well. There is such a dullness to New York in the movie. It has colors of green, black and white. Each scene is gloomy and sad. The scene where Sara Crew's father has recently been presumed dead, she is walking up to the attic where she will be living with absolute nothing.During her walk, the long hall behind her is dark with only a few candles lit. As Sara proceeds to walk to her bed, the room is shadowed and darkened, giving the watchers a sense of sadness and loneliness. The way this movies heightens and diminishes colors is quite symbolic. The cinematography captures the beauty in the movie so well, it almost creates the story on it's own. Being more advanced in knowledge, I cannot wait to start comparing differences between movies and how each cinematographer displays their own piece of art.

Discuss the character of Holmes Essay

Discuss the character of Holmes, the construction  of the stories and why the stories were and are so popular  Sherlock Holmes is one of the greatest and renowned detectives ever to exist, except for the fact that he is fictional, created by Sir Conan Doyle. Doyle began writing Sherlock Holmes from 1822. The character Sherlock Holmes, he devised was intensely influenced by one of his university professor encountered during a lecture. His works fascinated Doyle and we can see how it reflects to some of the things Sherlock Holmes does for e.g. his extraordinary deductive skills. Doyle has successfully prevailed upon the hearts of readers with his marvellous masterpieces. A famous museum has been dedicated on Holmes behalf for his outstanding temperament. One quite intriguing fact that proves just how phenomenal Sherlock Holmes is that Conan Doyle decided to withdraw Holmes in the year 1893, as he wanted to focus more on his other desires; however, he was unsuccessful as many readers protested upon this matter, while some even sent him death threats. Therefore, he was compelled to carry on and he did this by making the unstoppable detective Sherlock Holmes’ cheat a narrow death. So in this essay I will be analysing 3 stories: ‘A Scandal in Bohemia’, ‘The Speckled Band’ and ‘The Man with the Twisted Lip’ in which I will be marking out the distinct characteristics of Holmes that seems to attract everyone and Conan Doyle’s brilliant techniques used to captivate vast number of people.  First, I shall discuss about Sherlock Holmes himself in detail. He enjoys his work and is incredibly determined. Motivated by the actual work and not wealth, he devotes all his time and effort into solving mysteries as Watson notifies at the start of the ‘The Speckled Band’, ‘†¦for, working as he did rather for the love of his art than for the acquirement of wealth.’ Shortly afterwards Holmes declares this himself when his client Helen Stoner admits she can only reward him in a few months time; â€Å"As to reward, my profession is its own reward.† Although he does require Helen to pay for any expense occurred during the case; â€Å"but you are at liberty to defray whatever expenses I may be put to, at the time which suits you best.† I believe since Holmes does not accept (mostly) money as a payment to his practice, he does not have any money to pay for the expenses. I presume because of Holmes’ obsession towards his work, he will take any desperate measures he has to adopt in order to comprehend the truth as Watson encouragingly notifies in ‘The Man with the Twisted Lip’, â€Å"Sherlock Holmes was a man, however, who when he had an unsolved problem upon his mind would go for days, and even for week, without rest†¦Ã¢â‚¬  Due to this extreme dedication, he completes his objectives effectively and efficiently. Hence, the immortal figure and the eagerness for his position, awards Holmes a very positive effect on the reader. We learn about Holmes’ particular self-esteem, which to some extent can be very annoying and arrogant. For example, Sherlock Holmes cannot prevent himself from producing a soft amusement expression whenever someone fails to match his intelligence for e.g. in ‘A Scandal in Bohemia’ Watson baffled, says, ‘He chuckled to himself and rubbed his long nervous hands together,’ subsequent to Holmes’ brilliantly mastered deduction. It illustrates Holmes as quite an egotistical arrogant person and takes Watson for granted since the mild vague snigger may have been a trifle mock. It was not that Watson was just some ordinary person. He had achieved the title Doctor but even his attributes was nowhere near identical to the wit of Holmes. Holmes is only passionate about cases containing strange and abnormities; in ‘The Speckled Band’, Watson comments, â€Å"he refused to associate himself with any investigation which did not tend towards the unusual, and even the fantastic.† No wonder why all the cases seem to be of the most remarkable quality and from the fact that he worked in cases the official police discarded, â€Å"and clearing up those mysteries, which had been abandoned as hopeless by the official police,† mainly because of too much intricacy. Thus, the extraordinary power he acquires makes him a valuable utility for the police force. This however also presents him as an arrogant person who believes he is too good for the cases he assumes low skilled.

Ethical Standards Within the Healthcare Industry Essay

ABSTRACT   Ã‚  Ã‚  Ã‚   This research functions as an analysis of the essential similarities and differences between the ethical standards upheld by the health care sector and the non health care sector. The health care sector includes hospitals, clinics, and private practices while the non-health care sector includes commercial, technological, industrial and other sectors. The paper discusses regulations and legislation of ethical practices and finds that the extent to which ethics and law overlap is dependent on such factors as the type of harm that can be done to citizens as a result of an action. The paper also discusses the extent to which the administration of ethical rules takes place within the sectors in question.   Ã‚  Ã‚  Ã‚   It posits that the health care sector maintains a high standard in ethical practice, especially in the medical, pharmaceutical and a few paramedical fields. It distinguishes as well as defines clearly the concept of ethics and law and how they are legislated in a few selected establishments. Meticulous care has also been taken to probe and illuminate the nuances of the controversial disclosure law and to give insight into the strong ethical question that it addresses in the health care industry. Equally, the issues concerning the consent and privacy rules were also dealt with in an in-depth and comprehensive manner. In addition to this, the paper explains the several ways in which information can be protected from physical and electronic abuse. It also delves into the areas of weakness and threat faced in technological security.   Ã‚  Ã‚  Ã‚   The ethics of the health care and the non health care sectors were also examined through these lens of technological security, and analysis was done of the methods used by each sector to secure information. Finally, the implications of this research outlined at the end of this report and recommendations are then given for improving ethical practice. The researcher suggests ways of improving the quality of ethical standard in the major health sector as well as other branches like the paramedical. Furthermore, the recent developments in electronic assessment and the dissemination of business information are shown to create a need for both regulation and legislation. There is a demonstrated need for simplification of all ethical legislating and regulating information so that such might be made available to everybody who desires to learn and abide by ethical standards. Chapter 1 INTRODUCTION BACKGROUND   Ã‚  Ã‚     Ethics is a philosophy of life and became a part of the business world. The complexity and critical needs of the health care industry are more prone to medical errors which could cost human lives. The quality of care is measured by ethical factors related with the medical industry. However, ethics go beyond quality of care and include many other areas in the health care industry. The role of health care administration in the organization is to ensure that customers are protected completely and that their privacy are not violated.   Ã‚  Ã‚  Ã‚     The practice of ethics is also one of the duties and responsibilities of the Health Care Administrator and as such, the present paper aims to identify the position and practice of ethics in the health care industry with other non health care industries. In doing so, the paper intends to gain insights of ethical practices of non-health care industries and tries to recommend the best practices for the health care industry if gaps are found. In order to evaluate the key issues of ethical practices in both sectors, the paper considers the Information Security aspect of business Information.   Ã‚  Ã‚     Thus, the paper aims to compare the ethical practices mainly concentrating in the primary areas of information Privacy and Security from health care and the E-commerce sectors. Every responsible activity in any organized sector of human endeavor requires some form of regulation. Whether it is written or unwritten, legally documented or morally documented, the study also tries to observe the ethical practices against the industry specific ethical standards and legal policies.   Ã‚  Ã‚  Ã‚   Ethics can be defined as learning of what is right or wrong and then doing the right thing. Generally, ethics are aimed at the employees of organizations whose management experienced problems. LAW AND ETHICS   Ã‚  Ã‚  Ã‚   The Legal Information Institute (1999) defines â€Å"law† as a set of rules that are considered universal and that show both internal and external consistency. They are publicized and are usually accepted by the society in which they are published. They should also be enforced. Such laws are regulations that govern how persons in a given society are expected to behave toward others, who make up the society, and standards the persons who live within that environment are required (and not just expected) to adhere to. The government is responsible for enacting such laws, and is empowered to use security forces to ensure these laws are enforced. Sue Anstead (1999) has identified five following criteria that must exist for laws to be considered as such: consistency, universality, publication, acceptance, and enforcement. First, Consistency refers to the idea that contradictory requirements cannot be considered law, as it would be impossible for people to obey both. Second, universality demonstrates that the requirements should apply to all who share similar situations within a given society. Third, publication promotes the idea that the requirements should be available to all via some method of written publication. Fourth, acceptance means that the requirements must be generally considered appropriate. When acceptance of the law occurs, it will be nearly universally obeyed. Finally, the enforcement criterion reflects the idea that the members of the given group must be forced to comply with the regulation and punished should they choose to disobey.   Ã‚  Ã‚  Ã‚  Ã‚   Anstead (1999) has also noted that the Greek word ethos is that from which the English word â€Å"ethics† is derived. The Greek word is one that means character, and the Latin equivalent of same words adds the idea of custom to the meaning of the term. The combination of these ideas reflects the choice that people within a society make regarding their mode of interaction. The philosophical rendering of the word â€Å"ethics† gives the definition as that which is good or wholesome for the person as well as his social environment and it also describes the duties that should be performed from one person to another.   Ã‚  Ã‚  Ã‚  Ã‚   Ethics has many philosophical traits that one might describe as â€Å"common† to all forms of the term. It is concerned with the apprehension of things considered acceptable—or the distinguishing of right from wrong. Furthermore, ethics are designed compel the individuals to choose the right over the wrong. Decisions that are considered ethical are generally attended by consequences that extend over a discernible period. There are also generally several options regarding behavior, so that a person must make a choice to be ethical in his/her behavior.      Ã‚  Ã‚  However, ethics are not considered to be the same as morality. The difference that lies between them is delicate but important to learn   and understand. Judgment is at the heart of morality, as it has to do with certain â€Å"standards of behavior by which individuals are judged, and [†¦] which people in general are judged in their relationships with others (Anstead, 1999).† Ethics, however, differs from this as it encircles the entire belief system upon which a certain version of morality rests. The values connected with ethics and those principles one finds in conjunction with the law are generally related to each other. However, ethical responsibilities are often greater than legal ones. However, the opposite is also true at times. As a matter of fact, it might be said that â€Å"although law most times embodies ethical principles, law and ethics are far from co-extensive (Ibid).†   One finds that no laws exist against certain actions that may be considered even by many as unethical. On the other hand, the law does prohibit some acts that are not considered unethical but may just be dangerous. Examples of these abound, but just to name a couple: making false claims about a certain situation or betraying the trust of a friend is, in most cases, not considered illegal. However, such an act is almost universally considered unethical. Similarly, speeding is against the law, though many would agree that most people do not find such an action unethical (AMA, 1994; Anste ad, 1999).   Ã‚  Ã‚  Ã‚   McNamara (1999) has described a scenario in which the relationship between law and ethics is depicted. When setting up a set of criteria or guidelines that help in the detection, resolution, and the warding off or discouragement of breaches to ethical codes, an organization is often secured against involvement in further legal problems. According to Anstead (1999), â€Å"Federal sentencing guidelines passed in 1991, for example, permit judges to reduce fines and jail time for executives proportionate to the ethical measures a company has taken (Ibid).† This makes it a wise decision for any company to take time to develop a code of ethics. If an organization develops positive methods for dealing with situations concerning ethics, this will give them the opportunity to extend mitigated punishments, in the event that legal violations do occur.   Ã‚  Ã‚  Ã‚   Guidelines or codes that govern the conduct of individuals, and which are of the sort that is universally agreed upon as good actions, should be provided to the public in written form within a document. Such a document must be observed and upheld as one containing principles that are designed to guide the public (Anstead, 1999). At this point, the document should then be transformed into law. In several contexts, and especially in non-healthcare situations, one finds that the law contains no real documented types of ethical legislation. A person is generally viewed as being capable of and willing to exercise ethical conduct within a given scenario as the need arises. However, no general effort is usually placed into predicting the types of scenarios in which ethics might play a part, as well as the types of ethical behaviors that might be required. As a result, no systematic code of ethics has been captured and written down for several industries outside of the healthcare industry (Anstead, 1999). Many laws have been drafted and put into place, guarding against harm to employees and other modes of unethical conduct in the working environment. The Department of Labor is responsible for the administration of such laws within the United States. However, they are generally reflective of ethical benchmarks adhered to by most persons and organizations within society. Laws that perform such duties include the Americans with the Disabilities Act of 1990 (ADA). The ADA (1990) has stipulated the following: No covered entity shall discriminate against a qualified individual with a disability because of the disability of such individual with regard to job application procedures, the hiring, advancement, or discharge of employees, employee compensation, job training, and other terms, conditions, and privileges of employment (ADA, 1990).   Ã‚  Ã‚  Ã‚   It would not be against the ethical standards of most to admit that the denial of employment, promotions, or other benefits to a person with a disability would be wrong once that denial is based only on the fact that the person carries that handicap. This is especially true when the disability in question poses no impediment to the proper completion of the task required by the job. Ethics in the workplace also extends to the business person who finds himself under no legal obligation to refrain from divulging information given to him in private by a colleague. This is in direct opposition to the kind of confidentiality required in the healthcare system. Medical professionals must adhere to strict guidelines concerning the sharing of information about patients’ medical conditions (Agelus, 2004; AMA, 1994). In doing this, these professionals adhere both to ethical as well as legally binding guidelines. ETHICAL RULES FOR EMPLOYEES   Ã‚  Ã‚  Ã‚   Employees that work within corporations and at executive levels are held to guidelines that are usually termed â€Å"ethics standards† (Anstead, 1999). The sources from which these guidelines are obtained as statutes concerning â€Å"criminal conflict of interests† and those concerning â€Å"administrative standards of ethical conduct† (Ibid). It is by way of such statutes that the government itself has become involved in the enforcement of ethical behavior within the corporate world (Budd, 2005).   Ã‚  Ã‚  Ã‚   The United States has a Criminal Conflict of Interest Statute, and the ethical nature of this law can be reflected within the United States Code. This statute bans such behavior as employees performing such actions that show their own interests to be given priority over that of the Federal government itself. It is known that obtaining information within a business setting is for the purpose of protecting the interested parties equally. In the healthcare industry, this refers to the doctor and the patient. In these scenarios, it becomes in the interest of all persons involved that information divulged in private remains confidential (AMA, 1994). Part 2635 of the Code of Federal Regulations exemplifies standards of administration as stipulated by the Ethical Conduct Regulation. According to Anstead (1999), â€Å"The standards of conduct regulation establish principles of ethical conduct for employees within the executive branch and the regulation not only identifies the principles but also provides easy to understand examples of how the principles apply (Ibid).† These guidelines that govern conduct refer to such actions as how to handle the receipt of gifts obtained from sources outside the organization; how to regulate the exchange of gifts between one employee and another; how to mediate conflicts of interests in financial situations; the removal of biases when conducting official business; how to go about finding alternate employment; the proper handling of a position of authority; how properly to balance activities outside and inside the organization. CODE OF ETHICS   Ã‚  Ã‚  Ã‚   Companies and organizations within the private, non-health sector often set up their own ethical guidelines in addition to the already established guidelines provided by the government. These guidelines may be written in a formal manner, or just informally understood among those persons involved. It is usually up to these private bodies to enforce such codes, as the government is generally not capable. When these codes are violated, employees or members within the organization or group may have their employment terminated.   Ã‚  Ã‚  Ã‚   Within the healthcare industry, as well as in any related sector in which humans are heavily involved in research, strict rules generally govern the actions of the professionals involved. One example of the strictness of such rules is found in the ethics that govern the carrying out of experiments that involve human subjects. Such research is carried out in hospitals, clinics, and even in universities around the world. In such cases, ethics and law work hand-in-hand, and the idea of consent (which shall later be discussed in further detail) form a large part of that research.   Ã‚  Ã‚  Ã‚   The principle concern of all ethical research done on humans is the offer of informed consent to the subjects who participate in that research. This is defined by the researchers’ granting respect and justice to those being studied (Schrag, 1979). Such research methods that include deception, covert observation, or any other type of concealment regarding the use of information or purpose of the research is considered to be unethical. In some cases, however, it might be necessary that participants be recruited, who are unaware of certain aspects of the processes involved in the study. In such cases, an institutional review board or ethics committee must be approached, and accommodations made, to satisfy the committee’s stipulations of certain aspects of the project that may require deception (NHMRC, 2001). STATEMENT OF THE PROBLEM   Ã‚  Ã‚  Ã‚   In the main, this paper seeks to examine from a manager’s point of view, the ethical standards of securing business information in the healthcare industry and in comparison with the ethical standards of securing business information in the non-healthcare industries. As such, this paper intends to answer the following specific questions: What are the ethical standards of securing business information in the healthcare industry? What are the ethical standards of securing business information in the non-healthcare industries? and What is the comparison between the ethical standards of securing business information in the healthcare industry and the non-health care industries? HYPOTHESIS   Ã‚  Ã‚  Ã‚   The ethical standards of securing business information in the healthcare industry are more rigid and standardized compared with the ethical standards of securing business information in the non-health care industries. OBJECTIVES OF THE STUDY   Ã‚  Ã‚  Ã‚   This paper is written in order to achieve the following objectives from a manager’s point of view: To determine the ethical standards of securing business information in the healthcare industry; To determine the ethical standards of securing business information in the non-healthcare industries; To compare and analyze the similarities and differences between the ethical standards of securing business information in the healthcare and non-health care industries; and To recommend for policies or managerial improvements based upon the analysis and implications of the comparison of ethical standards in the healthcare industry, and non-health care industries.   METHODOLOGY   Ã‚  Ã‚  Ã‚   In this study, the literature search is considered to eliminate the possibility of needless duplication of the outcome of the study. The study found that there is no evidence that a comparative analysis of ethical practices was conducted in the health care and e-commerce industries. Hence the study started analyzing the ethical practices in both the industries to make a recommendation to the health care professionals.   The study found that literature review saves considerable time by building on what is already known as well as using tested methodology, including instruments. The study progresses by assessing the merit of previous studies: their soundness, relevance, design quality, findings and conclusions.   Ã‚  Ã‚  Ã‚   The literature research, especially in the findings and recommendations of others, often provides more and more persuasive justification for research on the problem. Previous researchers often identify gaps or areas where more research is needed. Besides enlarging the knowledge about the topic, the method allows to gain and demonstrate skills in areas such as: Information seeking: the ability to scan the literature efficiently, using manual or computerized methods, to identify a set of useful articles and books, and Critical appraisal: the ability to apply principles of analysis to identify unbiased and valid studies.   Ã‚  Ã‚  Ã‚   The Literature is collected from Journal articles, books, Government reports, Theses, Internet articles and online magazines. Each of the sources has its own contribution to the paper. Journal articles were used for their up-to-date and concise information. Books were reviewed to have a basic ground theory and to collect facts on ethical practices. Government and corporate reports were studied to understand the relevant policies and legal frameworks for the ethical practices of the industries considered for the study. Theses and research papers were reviewed to understand and compare the knowledge gained in similar fields by authors and scholars.   Internet articles and online magazines were studied to review the application areas of the study in recent times to gather different opinions and illustrations. ORGANIZATION OF THE STUDY   Ã‚  Ã‚  Ã‚   This paper is organized and structured in accordance with the American Pyschological Association (APA) format. Chapter one discusses the introduction and background of the study including the statement of the problem, hypothesis, and its objectives, and methodology. Chapter two reviews the literature which is also the main research method in data gathering as well as in the preparation for analysis and discussion.   Ã‚  Ã‚  Ã‚   Chapter three analyzes and discussed the ethical standards of gathering information in the healthcare and non-health care industries. Finally, Chapter four concludes and make recommendations. Chapter 2 REVIEW OF LITERATURE DISCLOSURE LAW AND SECURING INFORMATION   Ã‚  Ã‚  Ã‚   It must be agreed that the health sector is one of the most delicate and even complicated sectors of the national economy, and that it requires handling with utmost care. It is intimately concerned with handling the most delicate areas of personal information, as it is involved in the documentation of health records, and the treatment and handling of all ailments suffered by persons within society. So, the management of healthcare data requires competence and very high standard of ethics (Agelus, 2004). So here what must also inevitably be considered is the question of drafting laws and regulations to govern how this information can be secured in the best interest of the stakeholders (Morejon, 2006). Of importance is the question of what the ethical rules are which govern security of these data and information. Also of importance is the protection of the rights of all concerned, and this is what shall be explored here. Sage (2000) has identified the fact of the extreme popularity of laws that require physicians, hospitals, and other healthcare organizations to give extensive disclosure privileges to patients and customers.   He continues: The reason for this lies in politics, not policy: disclosure laws suggest a less intrusive role for government and greater reliance on individual choice and free markets than do other oversight mechanisms. This strikes   responsive chord in today’s anti-regulatory political climate. At a policy level, however, few healthcare disclosure laws have been carefully designed to achieve specific objectives (Sage, 2000).   Ã‚  Ã‚  Ã‚   An interesting and important way in which this process in which regulations are diversified is able to manifest itself is though the popularity of these disclosure laws. (Morejon, 2006). Researchers have expounded on this matter by showing how patients have been requesting extensive information about their health records in direct response to the widening scope of managed healthcare (Marshall et al., 2000).   Ã‚  Ã‚  Ã‚   It has also been applied to regulation ensuring the quality and safety of hospitals and physicians as well as to the laws that are responsible for the decisions made by patients concerning their treatment. The main issue that is currently being faced in the healthcare sector with the laws concerning disclosure is that they are not focused. In the words of Sage (2000), they are â€Å"scattershot, reflecting short-term political compromises or the equities of individual lawsuits rather than a coherent understanding of the purposes served by mandatory disclosure and the conditions necessary to achieve desired effects.† So it is obvious that managing and securing business information is a whole lot of serious issues. In spite of this fact, persons who advocate disclosure are usually quick to point toward such laws issued concerning federal securities as models for healthcare disclosure laws. Their argument is that Congress should carve out for the healthcare industry ethical regulations that are similar to those drafted and enforced by the Securities and Exchange Commission (SEC) or by other financial agencies, such as the Financial Accounting Standards Board (FASB). Sage (2000) agrees that these boards do have the ability to illuminate some of the issues regarding ethics that face the healthcare sector. However, Sage goes on to point out that â€Å"well-designed information requirements can serve therapeutic goals regarding openness, trust, and participation and can remind physicians and other health professionals of the tensions between their daily practice environment and their overarching ethical obligations (Sage, 1999).† Therefore, in order to design fitting ethical standards and reg ulations, the particular idiosyncrasies of the healthcare industry must be taken into consideration.   Ã‚  Ã‚  Ã‚   It is the job of the government to collaborate with the healthcare personnel to establish a hierarchy of actions through which ethical standards might be met. This will necessitate the prioritizing of such issues as education of the public and overall improvement of performance in as far as social issues may have a bearing on decisions made in healthcare. Furthermore, financial considerations should not have too great a bearing on the privacy and self-determination rights of citizens (Hsinchun et al., 2005). These are some of the basic issues that must be kept in mind in understanding the important role the healthcare sector is playing in securing and managing information. Another dimension of ethics exists in the form of economic theory, and in this dimension, no rule exists which stipulates that all consumers must necessarily be completely informed in order that efficiency exist in the sector (Baird et al., 1994). In fact, according to Sage: The SEC has had to accept the fact that the meaning of intricate corporate disclosure may elude unsophisticated recipients, especially as larger segments of the population purchase securities. It has become obvious that, the absence of a secondary market pricing mechanism in healthcare reduces the ability of a few sophisticated parties—such as large employers or government purchasers—to discipline the entire market and those few have smaller incentives to achieve informational superiority (Sage, 2000).   Ã‚  Ã‚  Ã‚   In the opinion of Baird et. al. (1994), â€Å"overcoming the current degree of public ignorance is [still] a weighty challenge for a disclosure regime. This is particularly true because the least educated users of healthcare often have the greatest health needs and are vulnerable both to risk-selection in insurance and to substandard provision of care (Baird et. al., 1994).† The federal security laws establishing disclosure law, as pointed out by Sage (1999), has suggested three core reasons for its necessity, which are to (1) Facilitate market competition; (2) Monitor agents and intermediaries; and (3) Improve corporate governance. The researcher has seen fit to take the time to explain what these disclosure law is as it is considered the basis upon which rests a healthcare officer’s ability to comply with his ethical demands. Again, â€Å"it can serve varied and sophisticated purposes, but only if objectives are clearly articulated and laws carefully designed to achieve them (Sage, 2000).† Dealing with the science of human even veterinary medicine without properly enabling regulatory laws will only lead to frustrations and conflicts (Agelus, 2004; AMA, 1994). This is the foundation and   understanding upon which this research is based. ETHICS IN BOTH INDUSTRIES Every sector in the health delivery field has governing ethical standards that regulate its operations, be it theoretical, clinical, paramedic or even veterinary sectors. Regardless of the different departments, the governing ethical rules are basically very similar. Therefore, bodies exist for the purpose of overseeing and managing, as well as securing the interest, survival and maintenance of these ethical standards. In the same way, the non healthcare sector (covering such fields as technology, law, business, commerce and sports) have their own ethical standards by which all companies are expected to act (Agelus, 2004; Budd, 2005). The stringency of laws that back these ethics, however, tends to differ between the two sectors. Every one who operates in the field of life has a moral or compulsive obligation to play by the rules, and every organized body is governed by sets of rules. These might be rules concerning financial management, training, membership, and qualification for certification in certain fields. These rules all involve the regulation of standards of practice and may be as diverse as the scope of the organization itself. The fact and reality to be noted here is that every member, and all those who desire to be responsibly associated with such a body, must abide by the ethics of such profession in good conscience, and may even be willing to be reprimanded and disciplined when the need calls for it (Baird et al., 1994). For example, lawyers believe that advertising their profession will have dire consequences (David, 2005). So it is expected that no lawyer will be so hungry for patronage as to put up an advertisement to improve his number of cases handled. Professionally that would be unacceptable. In instances such as this, a violation of an ethical standard does not constitute a punishable offence, but would be regarded as a moral burden on such an individual. If it is agreed that lawyers must appear noble, if a â€Å"deviant† lawyer decides to publicly put up an advertisement in the papers or electronic media, there is no law that recommends prosecution. Colleagues, however, may look down on him, or at least see his actions as contemptuous. On the other hand, a civil engineer who opts to carry out an inferior job for a client may go unnoticed for a while. But if, by chance, such a building collapses over time, he may be sought out and may face possible prosecution. However, the reality is that certain ethical standards hardly have strong backing from the law enforcement agencies. The reason for this is that many are merely regulations and unwritten codes of understanding (Anstead, 1999). On the other hand, most health sector fields are very strict in adherence and implementation of their ethics of practice (AMA, 1994). The reason is quite obvious. The health sector has very strong relationship with maintaining human life, human health, hygiene, animal life, environmental concern, etc. So laxity, negligence, deliberate omission and commission may lead to casualties and unintended sad consequences. It could be conceded, therefore, that the ethics in the healthcare sector has a much stronger backing than its counterpart in the non-healthcare sector. For instance, a doctor who violates his code of practice, or carries out action that is not in conformity with the rules of practice will stand the risk of having his license withdrawn In his preface to his book, The Ethics of Human Resources and Industrial Relations, J.W. Budd, had this to say: In the business and economic spheres, many of the most pressing ethical issues involve the employment relationship, such as the rights of employees versus ER shareholders, employee privacy and monitoring, whistle blowing, pay equity, discrimination, employee safety, anti-union campaigns, and minimum labor standards. Since the field of human resources and industrial relations is ultimately about people and quality of life, there is a pressing need to develop applications of business ethics for the employment relationship in the context of research, practice, and teaching (2005, p. 1).   Ã‚  Ã‚  Ã‚   In following the media coverage of the many scandals which have plagued countries throughout the world, the public has gained a greater understanding of what can happen when businesses do not adhere to ethical practices. Many scholars of business ethics consider that it is now time for the human resources and industrial relations communities to explore the application of ethics to the employment relationship and to discover the importance of treating employees, not just numbers, properly. This goes to show that the issue of observing ethics in profession is gradually taking a more serious dimension (Marshall et. al., 2000; Sage,   2000). POSSIBLE CONFLICTS   Ã‚  Ã‚  Ã‚     It has already been emphasized that certain beliefs and actions may be perfectly legal, but might yet be considered unethical. One organization, the Marriot Corporation, holds itself and its employees to some very high ethical standards (Anstead, 1999). In fact, certain aspects of the company’s standards might be said to be overdone. However, in the pursuit of comprehensive ethical standards, the dress code, for example, had once included certain stipulations that might today even be considered unethical. This had to do with the appearance of its employees while on the job, and on some level extends itself into areas that differentiate the sexes in what might be considered inappropriate ways today.   Some stipulations were (1) Prohibition of women from wearing skirts that go higher than about four inches above knee level; (2) Prohibition of women from showing bare legs and the requirement that they wear panty hose or long pants always; (3) Prohibition of women from wearing clothing that exposed their shoulders; (4) Prohibition of men from wearing their hair at a length that touches or goes beyond the collar without having express religious reasons for doing so; and (5) Prohibition of men from wearing certain types of jewelry, such as earrings. Despite the fact that such rules were considered binding within the confines of the company itself, nothing regarding them had anything to do with legal status at a judicial level. Still, within the culture of the Marriot Corporation, behaviors that went against the established codes were considered unethical (Anstead, 1999).   Ã‚  Ã‚  Ã‚   There is also no law exists that prohibits companies from outsourcing their manufacturing jobs for the sake of profit. Furthermore, though minimum wages might differ greatly between the host country and the United States, corporations are not bound to meet anything more than the minimum wage requirement of the host country in order to remain unsusceptible to legal action.    Succinct with to the two aforementioned examples, other practices (though lesser in degree by comparison) demonstrating illegal actions might be considered ethical by the majority of the public. The removal of office supplies at ones place of employment for personal use is one such example. Another is the installation of a copyrighted program on multiple computers within a company. Technically, such an action is in violation of intellectual property and other copyright laws (Budd, 2005; Software Use, 1999). Despite this, â€Å"the piracy of software is widespread, even in corporations that con sider themselves ethical† (Anstead, 1999). Like the healthcare industry, the software community has plenty of legal backing when it comes to the proper use of its products. Unlike the healthcare community, however, many breaches to the legal guidelines take place and little is (or can be) done to prevent this. One reason for this is that such illegal conduct is difficult to detect and control, and such widespread software knowledge exists that hackers may be able to get around security measures, further complicating the matter.   Ã‚  Ã‚  Ã‚   Copyright law enacted by the Federal government seeks to protect software creators as soon as the product has been developed. Title 17 of the United States Code concerns the Copyright Act, see 17 U.S.C.A.  § 102, and accords exclusively to the developers and owners of software the right to reproduce and disseminate the work in question. Anyone found to encroach upon the rights of the owner of the copyright is subject to penalties, and those who purchase a copy the software has license only to put the software on one computer and create a back-up copy for the purposes of archiving it.   Ã‚  Ã‚  Ã‚   The discrepancy one finds between the sentiments of different persons concerning software piracy is akin to the delicate difference between what is legal and what is ethical. Many people are adamant in their belief that certain illegal uses of software are indeed ethical. Yet, the financial impact that such piracy has globally is significant. One study has shown that in 1998, approximately 38% of all software installed in businesses worldwide was pirated, and this amounted to a reduction in profits of approximately $11 billion (SILA, 1999).   Ã‚  Ã‚  Ã‚   When one considers the management of a non-healthcare businesses, it becomes clear that rules governing ethical practices are less stringent than those within the healthcare industry. Ethics are not compulsory, though it usually benefits the company to demonstrate ethical practices. The relationship between law and ethics becomes evident here again, and such a relationship is of immense importance in the area of management. It is one of the duties of managers to assess both what is considered legal and what is considered ethical in the running of their businesses. It is the job of managers, therefore, to ascertain whether employees and the company as a whole abide by the legal statutes and societal standards concerning ethics. Also important here is the evaluation of what is considered acceptable and ethical behaviors by customers—as they also must be satisfied as much as managers and employees are with the ethics of the company (Budd, 2005). It is of course true that no policy developed to secure ethical standards will be satisfactory to all concerned. However, managers have the responsibility of establishing the most comprehensive code of ethics possible given the information currently available to him or her. The code will have the advantage of demonstrating to employees, customers, and society alike that the company is at least concerned with the ethical practices of those who do business in and with it. In this way, businesses outside the health industry do themselves a favor by demonstrating ethical practices above and beyond their legal obligations. However, within most non-healthcare sectors, such attention to ethics is not mandatory (Budd, 2005).   Pains have been taken to go through the above details for the purpose of making it possible for readers to appreciate what and how ethics apply in other aspects of life. However, this study will be limited to the healthcare and non healthcare industries, focusing on their ethical standards in securing information. ETHICS AND PRIVACY   Sometimes, people may act deliberately to defy the written and unwritten codes of ethics within their line of work in the organizations. This may be done through deviant means, such as sophisticated electronic devices that facilitate the bugging or taping conversations that were never meant to be recorded. It appears that such actions occur more in the business world than in the health world. It is not, for example, common to hear of health workers engaging in such extreme activities in order to gain access to information of a delicate and private nature. However, one does hear of other forms of ethical breaches in the health sector and the pharmaceutical industry. Some scientists may also attempt to misrepresent the results of clinical trials for similar reasons. Such actions are unethical as they may eventually prove harmful to the public at large (Bassett, et al., 1992; Girotra, Terwiesch & Ulrich, 2006).   Ã‚  Ã‚  Ã‚   The issue of consent according to the Privacy Rule, states that workers and establishments in the healthcare sector, such as physicians, hospitals and clinics must receive consent from patients or other clients before compromising or turning over to a third party information concerning that person’s state of health. Such permission must be given in written form prior to the disclosure and before any form of treatment or other operation can be performed (Sage, 2000). Currently, it is the practice of healthcare providers to â€Å"obtain a patient’s consent for disclosure of information to insurance companies or for other purposes (DHHS, 2001, p. 4).† This is done for reasons having to do with ethics and professionalism. The Rule itself has as its foundation these said practices, and these rules are eventually expanded for the purpose of having a uniform system by which workers in the healthcare sector can systematically gain consent for the procedu res necessary to ensure the proper treatment of patients (DHHS, 2001; Hsinchun et al., 2005). GENERAL PROVISIONS   Ã‚  Ã‚   According to McNamarra (1999), the general provisions for ethical standards in the healthcare industry are as follows:  Ã‚   It is necessary for patients to give consent prior to being treated by health care provider that offers direct treatment to that patient. Such a health care provider may utilize or share protected health information (PHI) only for purposes of TPO. Exceptions to this standard are given subsequently; When an emergency arises (such as in the event of life-threatening accidents or communication barriers), it is possible for health care workers to use and disclose information concerning a patient without first having obtained his/her consent. This is especially true in the health care sector, where laws require that workers treat patients that come into their care; Certain members of the healthcare community whose employees have very minimal contact with patients, such as persons who work in laboratories, may use or disclose information concerning those patients without first obtaining their consent. Other organizations within the health care sector, such as health insurance agencies and clearinghouses also have the privilege of using or divulging patients’ information without gaining consent. These agencies do have the option of getting this consent if they wish to do so—but it is left to their discretion; Health care providers have the right to refuse treatment to any patient who fails to grant permission for disclosing their protected health information. It is not necessary for such consent to be obtained by more than one provider at any given time; and There is no real need for the document that gives consent to be an in-depth one. Such permissions may be given in very general language. The language must, however, be plain enough to be easily understood. It must also contain all that is necessary to make it clear to the patient that any information that is provided might be shared and that he/she does have the right to refuse, impose restrictions, and to peruse the privacy statement of the organization. The consent may be a brief document in written from with general terms. Any such statement must then be signed and dated by either the patient himself or the patient’s proxy (McNamara, 1999). INDIVIDUAL RIGHTS   Ã‚  Ã‚  Ã‚     Individuals have the right to revoke statement of consent except when the health care provider has already acted in response to the consent. Restrictions may be imposed upon the permissions for disclosures and uses of protected information. The provider is not obligated to agree to these restrictions, but must abide by those to which it does agree (McNamara, 1999).   Ã‚  Ã‚     Patients must be privy to the privacy codes of the entity to which he/she gives permission to use or disclose information—and such access to the privacy code must occur before signing consent forms (Ibid). ADMINISTRATIVE ISSUES According to the Department of Health and Human Services (DHHS), any consent form that is signed by a patient must be kept by the health care provider (or other entity) for a period of six years following its last effective date. The forms may be retained in paper form, electronically, or otherwise—this is left to the discretion of the provider.   Ã‚  Ã‚  Ã‚   Further provisions for privacy and consent have been issued, which stipulate that if a covered entity obtains consent and also receives an authorization to disclose PHI for TPO, the covered entity may disclose information only in accordance with the more restrictive document, unless the covered entity resolves the conflict with the individual. CONSENT VERSUS AUTHORIZATION â€Å"Consent† is the name given to any document that accords to health care personnel the permission regarding the usage and disclosure of delicate information regarding a patient. This permission is granted solely to the particular health personnel (Sage, 2000). It is not necessary that the consent form be specific about the type of information that will be used included in the disclosure (Sage, 2000). It is generally only the â€Å"direct treatment provider† that has the legal right to obtain consent from the patient, and such a person should be â€Å"one that treats a patient directly, rather than based on the orders of another provider, and/or provides health care services or test results directly to patients.   Ã‚  Ã‚  Ã‚   An authorization differs in that it offers requests for permissions to patients in a fashion more tailored to suit them and their health needs. This offers permissions to use specific portions of a patient’s PHI for detailed and specific purposes. Such purposes are usually for things that are unrelated to the TPO or for disclosure to be done with a specified third party. Authorizations expire, while consent forms are more open concerning the time-frame in which information might be used or disclosed. Further stipulations include the fact that â€Å"covered entities may not condition treatment or coverage on the individual providing an authorization† and that it â€Å"states the purpose for which the information may be used or disclosed† (DHHS, 2001, p. 6). PRIVACY RULES IN THE HEALTH CARE SECTOR   Ã‚  Ã‚  Ã‚   It is highly necessary to have a deeper understanding of what privacy rule entails as a basis for sustaining quality ethical standard especially for someone working in the healthcare sector. In the healthcare industry, privacy is a more delicate issue than other sectors and its workings are very intricate. The background information released from the Office for Civil Rights, (DHHS, 2001; OCR, n.d.) indicates the intricacy of the Privacy Rule, which became effective on April 14, 2001. The Privacy Rule, according to the Department of Health and Human Services, â€Å"provides the first comprehensive federal protection for the privacy of health information† (DHHS, 2001, p. 1).   Ã‚  Ã‚  Ã‚     The different departments within the health care sector have all joined in support of the aims advocated by this rule to protect the privacy of the patient. However, these departments also understand how necessary it is that privacy not interferes with the treatment of patients (DHHS, 2001; OCR, n.d.). The delicacy of the privacy problem becomes even more apparent for other reasons. Though privacy consents and authorizations are generally granted to primary care providers, health care clearing houses and health insurers, it is usually the case that such entities require the aid of yet other entities (such as contractors) in order to provide the best care possible to the patient. To make allowance for the possibility of divulging PHI to such associates, conditions and stipulations are included in the privacy rule for ensuring that the provider obtain satisfactory assurances that the business associate will use the information only for the purposes for which they were engaged by the covered entity, will safeguard the information from misuse, and will help the covered entity comply with the covered entity’s duties to provide individuals with access to health information about them and a history of certain disclosures. Therefore, personal health information can only be shared with contractors and associates when such information is necessary for the providers to do their jobs accurately and thoroughly. To facilitate the usefulness of this regulation to the health care officer as well as the individual in securing information in compliance to the ethical requirements, most health care providers must know that they are covered by the new rule and therefore must comply with the new requirements. Analysts have wondered whether these requirements for consent have not presented barriers to the proper treatment of patients, as this often necessitates open consultation with other specialists and health care providers. However, the stipulations of the consent requirements should not hinder such comprehensive treatment, as those providers who had at one time treated the patient would have also been required to obtain such consent. Furthermore, since necessary consultations with other health personnel are considered part of the â€Å"treatment of an individual, it is considered within consensual boundaries to engage in such consultation. Such actions are therefore considered ethical.   Ã‚  Ã‚  Ã‚   The ethical practices in the commercial, technological and other industrial sectors are governed by corporate regulations and social responsibilities. The issues of these sectors differ from those of the health care sector, which deals with the more serious issues of providing medication for human and veterinary sciences, and as such, requires more serious and stringent ethical standard compliance (Hsinchun et al., 2005). PRIVACY IN THE CONTEXT OF E-COMMERCE   Ã‚  Ã‚  Ã‚   The ethical difficulties associated with e-commerce revolve around privacy and identity, both with reference to the human subject involved in the transaction and transaction non refutability (Baum 1998, p.65; Suprina 1997, pp.8–12; Joyanes, 1997, pp.277–281).   Ã‚  Ã‚  Ã‚   The online e-store Amazon (Linden, G., Smith, B. & York, J. as cited in Teemu Mutanen) uses consumer data on cross-selling growth and the   information about buying patterns is transformed into recommendations. Chris Anderson as cited in Teemu Mutanen argues that this combination of good-quality recommendations with huge inventory of items is a real business advantage. The advantage is gained only if the customer can be targeted with relevant recommendations, the variety of items is not sufficient. Hence E-commerce organizations tend to use the consumer data they have collected from their visitors through online transactions.   Ã‚  Ã‚  Ã‚   However, the online consumers expect ethics from the e-commerce traders in protecting the privacy of their details.   They want the e-commerce sites to have and to display a highly visible privacy policy, which can be easily understood. They want a prominent page where corrections of past mistakes are available. Berman & Mulligan highlights that an internet-user possesses three expectations when online: (1) an expectation of anonymity, (2) an expectation of fairness and control over personal information, and (3) an expectation confidentiality (Berman & Mulligan 1999).All three expectations are eliminated through three critical cyberspace practices that are (Gindin, 1997): 1) personal information provided on the Internet, (2) online transactions, and (3) government record keeping. Although each practice provides only a minute description of an individual’s personal life, the slow accumulation of such descriptive material may eventually expose a detailed profi le (Mason 1986).   Ã‚  Ã‚  Ã‚   The consumers’ experiences on the Net concerning their privacy lists several themes. Beth Givens in his presentation, ‘Privacy Expectations in a High Tech World’ outlined the following themes on consumer experiences regarding privacy concerns: The first theme is the invisibility of data capture.   Ã‚  Ã‚  Ã‚   A second theme is the potential ubiquitousness of data gathering, and the ability of data from several sources to be merged to create massive electronic dossiers on individuals. A third theme is invasion. Web sites can capture and track visitors’ clickstream data by placing small text files called â€Å"cookies† onto their hard drives. Unless users are savvy enough to set their browsers to notify them about the pending placement of a cookie, it is done without the user’s consent, and it’s an invisible process. A fourth theme is the fear of harm befalling Internet users – fear, and a fifth theme is confusion over their privacy rights.   Ã‚  Ã‚  Ã‚   The problem of privacy in e-commerce is concerned with the difficulty of securely conveying the information required for online transactions (Suprina, 1997 as cited in A.J.G. Sison).   Ã‚  Ã‚  Ã‚   Information technology and computer professionals began seriously considering the long-term effects of computer ethics in the late 1980s and early 1990s. They recognized the need to organize professionally through such bodies as the Association for Computing Machinery and the Institute of Electrical and Electronics Engineers to devise professional codes of conduct. However, the increasing proliferation of powerful computers in the hands of nonprofessionals widens the scope of potential problems. PRIVACY AND ETHICAL INFORMATION AMBIGUITY Ethical ideologists have confusing opinions most of the time, and such problems can actually undermine ethical practices (Budd, 2005). In one profession, an action which is not ethically sound may not even be considered an offense in law. In many cases, there is no clear demarcation as to what is ethically wrong and what is legally offensive.   Ã‚  Ã‚  Ã‚   These are some problems encountered by those who practice in the healthcare field, and there exists by no means a consensus on what should be done in such cases (AMA, 1994). For example, economic ethical theorists believe it is the right of every citizen of a country to access health and medical opportunities, irrespective of his financial status (Budd, 2005).   DISCLOSURE LAW IN HEALTH CARE   Ã‚  Ã‚  Ã‚   It must be agreed that the health sector is one of the most delicate and even complicated sectors of the national economy, and that it requires handling with utmost care. It is intimately concerned with handling the most delicate areas of personal information, as it is involved in the documentation of health records, and the treatment and handling of all ailments suffered by persons within society. So, the management of healthcare data requires competence and very high standard of ethics (Agelus, 2004). So here what must also inevitably be considered is the question of drafting laws and regulations to govern how this information can be secured in the best interest of the stakeholders (Morejon, 2006). Of importance is the question of what the ethical rules are, that govern security of these data and information. Also of importance is the protection of the rights of all concerned, and this is what shall be explored here. Sage (2000) has identified the fact of the extreme popularity of laws that require physicians, hospitals, and other health care organizations to give extensive disclosure privileges to patients and customers.   He continues: â€Å"The main issue that is currently being faced in the health care sector with the laws concerning disclosure is that they are unfocussed†. In the words of Sage (2000), they are â€Å"scattershot, reflecting short-term political compromises or the equities of individual lawsuits rather than a coherent understanding of the purposes served by mandatory disclosure and the conditions necessary to achieve desired effects.† So it is obvious that managing and securing business information is becoming a serious issue from the standpoint of ethics and law. In spite of this fact, persons who advocate disclosure are usually quick to point toward such laws issued concerning federal securities as models for healthcare disclosure laws. However, Sage goes on to point out that â€Å"well-designed information requirements can serve therapeutic goals regarding openness, trust, and participation and can remind physicians and other health professionals of the tensions between their daily practice environment and their overarching ethical obligations† (Sage, 1999).   Ã‚  Ã‚  Ã‚  Ã‚  Therefore, in order to design fitting ethical standards and regulations, the particular idiosyncrasies of the health care industry must be taken into consideration. This will necessitate the prioritizing of such issues as education of the public and overall improvement of performance in as far as social issues may have a bearing on decisions made in health care. Furthermore, financial considerations should not have too great a bearing on the privacy and self-d etermination rights of citizens (Hsinchun et al., 2005). These are some of the basic issues that must be kept in mind in understanding the important role the health care sector is playing in securing and managing information.   Ã‚  Ã‚  Ã‚   Certain practices that may be acceptable in a health care setting are included below under the condition that measures are taken to keep   minimum disclosures and other ways of exposing delicate information (Sage, 2000):   Health care personnel are at liberty to coordinate actions orally for the service of patients when located at nursing stations within a hospital;   Doctors, nurses, and others responsible for patients are allowed to converse about the condition of a patient currently under their care, whether on the phone, in the presence of the patient, with a provider, or with another (authorized) family member;   Doctors and nurses are allowed to converse concerning test results from a   laboratory. They may do so with the patient or just amongst themselves in an area for joint treatment; and   Health care personnel are also allowed to discuss the condition of a patient when involved in rounds dedicated to training when in an institution that facilitates the training of health care workers (Sage, 2000).   Ã‚  Ã‚  Ã‚   Also necessary are ethical measures that govern the language that might be used during the care of a patient. When talking in elevated tones becomes necessary in a less-than-private location, the language used should be carefully tailored and then reinforced as the proper method of oral communication among colleagues.   In the same way, businessmen who may be discussing classified information may not be aware of the ability of a person in another room to hear the details of their private conversation. Nothing forces this hearer to block his ears or otherwise ignore the delicate information being transmitted to him, and as a result he becomes privy to privileged information (Budd, 2005; Sage, 2000).   Ã‚  Ã‚  Ã‚   Self-protection mechanism can be described with the online users when they decide on the choices provided for them without any assistance.   When individuals chooses not reply to â€Å"Spam† e-mail even to request removal from a mailing list since replies indicate to a company that individual’s e-mail account is active and marketable (Navrette, 1998). Such measures protect privacy information by providing steps that may prevent the transmission of personal information to business and criminals. In this protective mechanism, individuals remain in control of their own personal information without the assistance of other groups. ROLE OF HEALTH CARE ADMINISTRATOR   Ã‚  Ã‚  Ã‚   Health care industry is also a business industry including management and administrative responsibilities. The managers of the health care industry are called as health care administrators who take responsibilities for planning, direction, coordination, and supervision and the delivery of health care. Unlike the administrators in other industries, health care managers include specialists and generalists. Generalists manage or help manage an entire facility or system, while specialists are in charge of specific clinical departments or services.   Ã‚  Ã‚  Ã‚   Due to the rapid changing in the structure, technology adaptations, evolving integrated health care delivery systems, an increasingly complex regulatory environment, restructuring of work, and an increased focus on preventive care, the role of the health care administrator is also changing and modifying according to the situation. They are responsible to improve efficiency in health care facilities and the quality of the health care provided.   Ã‚  Ã‚  Ã‚   The health care administrators are responsible for the maintenance of patient records, health plans etc., along with the regular Information System managers. In order to maintain authentication and privacy of such key records, the Healthcare administrators should be flexible with the technology, requirements and the developments in and around the industry. The accurate and continuous maintenance of patient record database lies in the hands of the health care administrator and he should maintain the patient record database accurately and completely.   In addition,   as the health care data is also being shared with others for the purpose of research and compliance practices, the expertise and skill levels of health care administrators have become more crucial in maintaining privacy and ethical practices of the industry.   Ã‚  Ã‚  Ã‚   In this context the health care administrators are often called on to maintain and develop professional standards, procedures, and policies for their institutional activities. The expanding role of the health care administrator includes management of preventive medicine and health care programs, medical and vocational rehabilitation, community health and welfare etc. which needs good leadership and managerial skills along with sound knowledge of policy and protection regulations. CONCLUSION   Ã‚  Ã‚  Ã‚  Ã‚   The review of the literature is also the main research method in this study. As such, it was found in the review that ethical standards in acquiring business information in the healthcare industries are much more rigid and organized compared to the ethical standards in the non-health care industries. Thus, the review   affirms the temporarily the hypothesis of this study. Thus, the next chapter would further discuss and analyze the ethical standards of both industries so as to make a conclusive finding regarding the hypothesis of this study.

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Use of informants in criminal investigation - Essay Example Identifying motivators, insuring the informant has access to the information that is desired, and maintaining control over the informant are the essential components for successful use of an informant in an investigation. The basis for American law enforcement in using informants is the concept of probable cause. In Aguilar v. Texas, the Supreme court designed a test that was divided into two aspects of determination under which to establish probable cause on hearsay evidence. The two things that must be accomplished are 1). the credibility of the informant be established, and 2). the reliability of the informant’s information also be established (Greene, 2007, pp 353). An informant’s credibility could be established by checking to see if the statements that have been made were able to lead to prosecution. An informant who has been used more than once has established a record of success or has been shown to be without value. The second aspect of determining probable cause requires that the reliability of the information be established, which is accomplished by checking to see if the informant has direct knowledge of the information that is being A variety of sources can be cultivated by law enforcement officers A cultivated source is one who is engaged in a legal business that allows for access to a person of interest. These individuals are can be hair stylists, hotel employees, doormen, legitimate gun dealers, bartenders, or anyone who does business with someone who has the potential to commit a crime and then allows some evidence of that crime to be discovered by the informant. This kind of network of individuals who watch the world as it functions within their job parameters allows for law enforcement to create a source of information that is more widespread, and sometimes very unexpected. Service workers, especially, aren’t necessarily identified as a threat and can sometimes allow for a

Managing Change - L.J Essay Example | Topics and Well Written Essays - 1000 words

Managing Change - L.J - Essay Example Hayes explains that the major objective of change is to bring about a sustained efficiency in resource usage in achieving company objectives. Much of Hayes views of managing change are little more than an application of common sense and good management practice. He further states that if managers take a systematic approach to implement change, they can be more successful in taking colleagues with them and achieving their objectives. He identifies four factors for success when implementing change within one organization, which are: The senior management in an organization must demonstrate the need for change so as the line managers and junior employees can emulate. Commitment to change is very essential and must also be demonstrated by the top managers. Hayes feels that for this change to succeed and achieve the desired goals management should be consistent with what they aspire to achieve that is "they should walk and talk" but if the top leadership is not consistent with ideas, those who are supposed to implement the change will not be motivated. Since leadership is getting others to do what you want them to do because they want to do it. Pressure for change should be a driving force, the leadership must identify the need for change, make the decisions to proceed with change and... Hayes believes that for success in managing change regardless of where the original pressure for change came from, senior management commitment and drive for change is essential if momentum is to be maintained for effective implementation. The rest of the organization will need to be convinced of the need and the case for change. Everyone in an organization including the chairman, chief executive officer and other employees must be collectively behind the sought changes in the organization. The senior management must be seen to be fully supportive by what they do and say both privately and publicly. If, However, senior management "talk-the-talk" by failing to back up their statements with action and continuous commitment. Hayes believes that the progress towards the sought change will soon stall. In addition if the senior management fails to remain fully supportive of the project other conflicting or new priorities will emerge and the momentums can be lost. The senior management should be signed up to the change and communicate it to the other staff. The other staff should be given an opportunity to feed in their contribution and feel that they have joint ownership of the change being implemented. A Clear Shared Vision For change to be effective, it needs to be implemented at all levels and should be in the culture of the organization. The management must understand what motivates other employees in order to keep them together and motivated. Since change is a major cause of stress amongst the workforce and staff usually responds differently they need to be motivated to support the changes that are to be implemented. Staff, their managers and senior mangers are all

Why are policies in Germany so difficult to reform Essay - 2

Why are policies in Germany so difficult to reform - Essay Example Therefore, it is not surprising that constitutional considerations have decisively influenced the reform process. Nonetheless, the fundamental law is threatened with internal and external challenges that threaten to destabilize its significance in the long term. Germany in a long time has been considered an example of the central welfare regime and its political bodies favor the policy status quo, Stiller (2010) states. Hence, finding reforms in Germany is at odds with anticipated patterns of change in domestic policy. Conferring to a senior German political observer, change in domestic policy typically needs a longer period of planning, is usually incremental in nature, and occasionally borders on an institutional inertia degree. Opponents describe this as immobilization of policy. The perspective of the policy implies that, the country has been struggling to carry out essential reforms. However, those passed reforms that have given tend to be incremental adjustments that do not adequately address the underlying problems (Stiller, 2010). Longtime welfare state stability of Germany becomes even more puzzling if one considers the combination of pressures for reform. They comprise of obstinately high rates of unemployment and sluggish growth of the economy. Others include the comparatively high tax burden on labor and adverse demographic trends together with the rapid aging of the populace, and moderately low rates of fertility (Stiller, 2010). The institutional environment, mostly defined the labor market reforms challenge in Germany during the early 2000s. There were significant potential veto players involved in the policy process. They were given the heterogeneity of political parties in Germany and divided control of the state parliament. There was also the complexity of German federalism and the strong tradition of rendering

Can Abortion be a Morally Acceptable Choice Essay

Can Abortion be a Morally Acceptable Choice - Essay Example The fact that a majority of the people are in fact somewhere between the two positions is often lost in the vitriol of the debate. Pro-life groups state that human life begins at conception, and thus an abortion is the killing of a human being. There are some differences within the pro-life position however. Many people who say they are pro-life agree that abortions should be allowed in the case of incest , rape or to save the woman's life. This seems a somewhat odd position as, if a person believes that human life begins at conception, should it matter how the baby was conceived Is the baby any less human because its father was a rapist Is it any less human because its mother may die because of the pregnancy The answer to both these questions would seem to be 'no'. The two positions have been set out and logic, practically and ethics falls on the side that some abortions are indeed morally acceptable. Perhaps the 'easiest' types of abortion to defend are those in which the mother's life is being saved. These can be defended on a number of bases. First, the practical fact is that if the mother's life is at risk so is the baby's. If the mother dies, the baby will as well. So in this case, even if a person believes that life begins at conception, it is surely better to have a situation in which one person lives and one dies, rather than both dying. Second, the legal principle of 'self-defense' might be applied here. If the baby is a human being, then it (albeit unintentionally) is killing the mother. The mother has a perfect right to defend herself against this attack. The abortion is an example of self-defense. In cases of incest and rape, a less certain ground exists for those who believe life begins at conception. Incest may lead to genetic problems and diseases for generations to come, indeed, this is the reason that incest is taboo in most societies in the world. It seems logical that a pregnancy produced in this way, which might have hazardous effects for generations to come, should be terminated. Rape is a more difficult issue. Here the argument moves into the territory of when a fertilized egg 'becomes human'. An abortion that occurs because the mother is raped essentially falls into the 'choice' category. The pro-choice side says that a woman has the right to self-determination guaranteed by the US Constitution, specifically "life, liberty and the pursuit of happiness", and that any attempt to tell her what to do with her own body directly contradicts this right. Pro-choice groups maintain that a baby is only a 'human life' when it is able to exist independent of its mother. Thus abortions up until about six months are morally legitimate as until this time the baby cannot survive outside the mother's body. These are not abortions of independent human life but merely medical procedures undertaken by a woman and her doctor, and as such should be no one's business but the individual woman and her doctor. If a person believes the "independent of its mother" of human life then any abortion up until that time is morally justifiable. The question of rape, incest, or saving the mother's life does not come into play because the mother is just having something done to herself. This position essentially

Information Tech for Mgmt Essay Example | Topics and Well Written Essays - 250 words

Information Tech for Mgmt - Essay Example Therefore, working with big data should use systems for bulk data logging for better storage, management, security and federal compliance. The main focus is on the importance of using a data logging system that is made especially for bulk data storage and retrieval. But despite their availability, many still resort to basic log systems or spreadsheets, which are effective in small amounts of data, but may not be adequate when indexing many data, which could result to inconclusive results during a search (Olavsrud 2). Also, of the 207 respondents to the survey, only around half are concerned with big data management, and above half do not have sufficient tools to manage their large amounts of data (Olavsrud 1), and opportunities for growth can get bypassed as a result of non-upgrading. If ordinary logging systems are used, storage can be a problem, as well as filing, indexing and searches. In my opinion, it would be a good change for companies to resort to bulky data management systems, and upgrading their systems can help in making their work and data retrieval faster and more efficient. Lastly, if proper data management is used by these organizations, they could lessen chances of having their data leaked by integrating a security system along with their log management system solution. The upgrade’s benefits can be seen in the long run, especially to those that use previous data to come up with better work

Research Foundational Theorists Paper Example | Topics and Well Written Essays - 750 words

Foundational Theorists - Research Paper Example He is the main foundational theorist without question—even if some of his ideas today seem somewhat controversial and difficult to agree with. The great Austrian psychologist Sigmund Freund was very influential. He came from the psychoanalytical school (which he founded). He worked hard to deconstruct what up until that point had been considered the unitary personality or identity of individuals. Freud’s emphasis on subjectivity, the unconscious, and perspective powerfully effected artists and writers of the period. Theorists in the psychoanalytic school frequently believed that people had a fractured identity, creating a multiplicity of perspectives and views on the world, none of which was especially better than the other. In a way this is a legacy of Freud’s ideas about subjectivity. A somewhat contrary psychological school is Behaviouralism and its founding theorist was B.F. Skinner. This idea holds that psychologists who talk too much about philosophical issues lose sight of what science can prove. Skinner wanted to focus on observable data rather than people’s secret thoughts about things. These theorists that people acted in certain ways because they were conditioned to do so and had less free will than believed. A good example of a behaviourist experiment involves Pavlov’s dogs—these were dogs that were trained to salivate at the sound of a ringing bell. A third important school of psychology is Humanism. These theorists, led by Abraham Maslow, didn’t like what they saw in the literary, over philosophical aspect of psychoanalysis or in the rigid scientific way of doing things in behavioualism. They wanted to take a more common sense approach and look at what things were important to people. They showed that there were many different needs people had, and that if these needs were met, then people would be happy. A fourth school of psychology that could be said to precede all of the theories above

Marketing Practices of China Research Paper Example | Topics and Well Written Essays - 1250 words

Marketing Practices of China - Research Paper Example The article from the Financial Times examines the activities of the HNA business group of China. The group is the first investment company from China to start purchasing property around the world. It indulges in purchases across various sectors ranging from the shipping industry, hotel industry and airline industry in various countries across the globe (Lemer and Rabinovitch 23). The company has a lot of capital and is increasingly obtaining more property around the world. The CEO of the group tells the writer of the article that they will purchase more companies outside his country. This will be because the financial crisis around the globe affects many companies. They will purchase those companies which are in debt since they will be cheap to acquire (Lemer and Rabinovitch 24). The other investment companies in China only invest their money in natural resources when investing outside their country. The company’s global focus comes after their witnessing of growth in their do mestic activities (Luo 15). The business uses diverse marketing strategies and professional management styles that bring it success. The businesses future plans are to spread their investment activities to other continents around the globe such as Africa and the South American continents. The company invests in a series of industries that have relations to one another. Their investments are in various industries ranging from the airline industry, the hotel industry, the shipping industry and the entertainment industry (Lemer and Rabinovitch 24). ... This will be because the financial crisis around the globe affects many companies. They will purchase those companies which are in debt since they will be cheap to acquire (Lemer and Rabinovitch 24). The other investment companies in China only invest their money in natural resources when investing outside their country. The company’s global focus comes after their witnessing of growth in their domestic activities (Luo 15). The business uses diverse marketing strategies and professional management styles that bring it success. The businesses future plans are to spread their investment activities to other continents around the globe such as Africa and the South American continents. The company invests in a series of industries that have relations to one another. Their investments are in various industries ranging from the airline industry, the hotel industry, the shipping industry and the entertainment industry (Lemer and Rabinovitch 24). The business is aware of the concerns a nd actions of their competitors and has measures to stop them. They plan to increase their investment in the financial and insurance industries in countries that are willing to accept their initiatives. However, management claims that they do not intend to invest in countries where the regimes are wary of their activities. This they say will not be good for their business activities and will not also enhance their growth activities. The management of the business also claims that all their activities are done in accordance with the existing rules and regulations (Lemer and Rabinovitch 23). The second article from Forbes magazine examines the chances of success for Chinese brands around the globe. The author states that their success is dependent on the favor they get

Planning for the Chevy Volt Essay Example for Free

Planning for the Chevy Volt Essay Question 1 The nature of strategic decision making at a large complex organization like GM appears to be done without having a thorough plan outlay to the planning groups or the business development unit within the company. There were several areas that put the company into the situation of making inappropriate strategic decision. The project was initially proposed by top two managements. Due to lack of thorough analysis and plan, they could not convince other managers in order to pursue this Chevy Volt project. This implied the missing link of strategic leadership that should have been a transformational force. In addition, the shareholder’s wealth creation had not been properly addressed and the well-defined business plan had not been emphasized and communicated when decisions were made. This implied that the management’s responsibility and expertise were all taken for granted that put the company in the threshold of a gamble betting on the success of this project. The accountability of management was disappeared. Question 2 The external environment trends that favor this project were the rising oil price, economic slowdown that made people to be more cautious about spending, the falling costs of manufacturing lithium ion batteries that help make the car price become more affordable, and global warming concern together with going-green concept. The Chevy Volt project could help promote the CSR of GM, which is favorable to the image and brand. These trends had signified that the external environment had been changed. As a green concept car, the Chevy Volt makes a point as far as cost saving for users goes in context of rising oil prices. However, what is crucial also can be exemplified in context of sustainable development process that the Chevy Volt can impact. Limiting carbon gas emission in the backdrop of global warming and greenhouse effect can significantly present a wider socio-economic relevancy and impact. Question 3 Cost is the most critical hurdle in pursuing with Chevy Volt. The cost factor is unfavorable given that GM had already invested substantial capital for the development of lithium ion batteries. The relevant cause for that could be observed from top management who were skeptical of Chevy Volt project. When the EV1 hybrid model, a green concept electric car running on conventional fuel cell, was introduced by the company way back in the 1990s and did not succeed, such model was a crucial loss in term of resource and brand image. In addition, the missing link among the strategy planning, formulation and lifecycles were also another internal obstacle unfavorable for pursuing the Chevy Volt project. Question 4.a The strategic plans are based on how well the company analyzes the existing market situation, competitors and the market trend. The external environment analysis such as the macro and micro-economic factors should also be emphasized and properly addressed. The economic theory of demand and supply should also be brought in contention when making the decision and planning the strategy. The plan should be flexible enough to reflect the dynamic business environment when the revision and amendment to the strategic plan are necessary for business to gain competitive advantages over the competitors in a timely manner. Question 4.b The Chevy Volt project strategic plan was based on assuming that oil prices would continue in rising trends which could then be able to market the company’s electric car model and generate profitability. Thus, falling oil prices could negatively affect the potential success of Chevy Volt. Question 4.c When supply is relatively limited, while the demand can increase once the global economy recovers, it would be difficult for oil prices to remain low in the future. Rising oil prices demonstrates the typical economic basis of the law of demand, in which the price depends on the market equilibrium for a product. In addition, there are no substitute product as far as fuel goes. There is still no other alternative energy or technology that can match or surpass the oil in all aspects. Question 5: What will it take for the Chevy Volt to be a successful car? For the success of the Chevy Volt project, effective marketing strategy has to be formulated. Marketing aspects should capitalize on the internal and external forces that influence the products within the industry and against its rival for the competitive factors. As the Chevy Volt is a high-tech car, the external analysis from operational and business perspective should focus on the competitive structure of the industry and factors; such as, innovations, socio-economic and environmental impact that defines value added product and the opportunistic cost that comes with it. Thus, innovation in the development process of the car should be fostered as one factor to benchmark against competitors in the industry, which is critical for success for a profitable outcome and goals achievements. Part of it also should focus on the strategic marketing aspects that give the car and its salient feature to reach the people through advertisement and awareness created in that regard are interrelated and need to be present for the Chevy Volt to be a successful car. Last but not least is the price and related costs of Chevy Volt. The price must be affordable for target group of GM’s customers in order to boost the demand and achieve cost advantage over competitors in term of economies of scale, and the related maintenance cost and useful life of lithium ion battery must be reasonable enough to be able to convince target consumers to purchase the car. It is also suggested that the strategic plan has taken into account of effect of the capitalization on the capability and expertise the company has; effective strategic management of operational process and procedures; top management involvement, responsibility and accountability; collaborative approaches to leadership; cultural and structural upgrade of the corporate echelon and strategic management panel and process; careful analysis of the opportunities and threat; and the facilitation of a dynamic leadership culture. Question 5: How risky is this venture for GM? Launching this project is very risky for GM as it involved significant resources, time and capital investment. Given that GM has already exposed to potential bankruptcy, the success of Chevy Volt will be one of the critical factors affecting the possibility of GM to diminish the bankruptcy risk and boost the future cash flows. Question 5: What are the costs of failure? The cost of failure as far as Chevy Volt car concerns is huge and tremendous. Less involvement from the managers also brought to fore the cost and its effect to directly hit the company that brought it to the stage of total shutdown of its operations. Since the company has already been in the situation of potential bankruptcy, the Chevy Volt project that failed to impact the company strategic goals and its achievements posed the total effect of bankruptcy of GM and huge economic consequences as an aftermath, because the company is already on the process of huge public debt facilitated by the government to save itself from bankruptcy. Question 5: What are the costs of not pursuing the project? There are substantial costs and adverse impacts as far as Chevy Volt project concerns when it is not pursued at all. Example costs are the huge opportunistic cost lost in between; operational and business capability that went for a toss; marketing research that has not been capitalized effectively and efficiently for result outcome; change factor and organizational learning experience; cost factors in term of direct financial investments to investors, and stakeholders; resource accumulation; brand image and identity; corporation competencies that have not been capitalized; sustainable development plans; CSR; exposure to bankruptcy risk; and economic consequences.

Demand and House Prices in UK

Demand and House Prices in UK Introduction: This assignment is about changes in demand and house prices over the last two years in UK. What happened in last two years in the housing market, what factors are involved to change the demand of housing and pricing? What are the benefits of this research? Before going to the factors that affect the housing market in UK, it is important to know what is housing market and also see the time series graph which shows what happened with housing market in the last three years? Definition of Demand: An economic principle that describes a consumers desire and willingness to pay a price for a specific good or service. Holding all other factors constant, the price of a good or service increases as its demand increases and vice versa. Definition of Supply: The term supply refers to the quantity of a particular product that suppliers (producers and/or sellers) will make available to the market at a particular price. The higher the price, the greater the quantity that suppliers will be willing to supply to the market. (http://www.investopedia.com/terms/d/demand.asp) Real estate economics is the application of economic techniques to real estate markets. It tries to describe, explain, and predict patterns of prices, supply, and demand. The closely related fields of housing economics is narrower in scope, concentrating on residential real estate markets as does the research of real estate trends focus on the business and structural changes impacting the industry. Both draw on partial equilibrium analysis (supply and demand), urban economics, spatial economics, extensive research, surveys and finance. (http://en.wikipedia.org/wiki/Housing_market) (http://www.housingmarket.org.uk/house-prices/current-uk-house-prices-trend/08/10.8.09) If we consider the above two graphs of housing prices of UK, we come to know that the prices are going to fall from 2007, before that the prices are high. Now we analyze what happened with the housing market, and what factors are involved to change the demand curve in to the left. The factors affecting house prices and demand are as follows. Factors Affecting The UK housing market: Since the peak in July 2007, UK house prices have fallen considerable. The main reasons for falling house prices are: Difficulty of Getting Mortgage due to credit crunch. Low affordability (high house price to income ratios) Economic recession Rising unemployment Future price expectation Consumer confidence speculation Mortgage: Mortgage companies had to write off bad mortgage debts, there has been a shortage of liquidity in the banking system causing mortgages to be more expensive and difficult to get. As people defaulted on mortgages, house prices which had been booming before the credit crunch started to fall. Falling house prices means the loss of banks, because the resale value of the house was much less than the initial mortgage. Because of the bad experience with mortgage companies going bankrupt, financial institutions became much more cautious about lending money for mortgages. Also, because they had lost money, they couldnt afford to lend more. Therefore, mortgage finance was in short supply causing banks to ration mortgages by requiring large deposits and increasing the interest rates. Falling House prices exacerbate the credit crunch. Although defaults are currently low, falling house prices magnify the problem because it leaves homeowners with negative equity. Therefore, if a homeowner defaults, it multiplies the losses of banks such as Halifax. It is a vicious cycle because the shortage of mortgage funds is causing a fall in demand for houses and therefore, house prices will fall further; this makes the mortgage industry more nervous. This is why the Bank of England has extended its emergency lending to the banking system. The other problem is that peoples decision to buy a house is based on confidence. Given the unrelenting bad news, most homeowners will defer the decision to buy causing further falls in demand. (http://www.mortgageguideuk.co.uk/index.html) (http://images.google.co.uk/images?hl=ensource=hpq=demand+and+supply+curvegbv=2aq=3oq=demand) The graph also shows that the demand is changing towards left, it means the prices are going down but people are not interested to buy a home, because of uncertainty, people are more conscious to buy, because the price of houses continuously fall. Future Price Expectation: According to the independent analysts Oxford Economics, prices will continue to fall in 2010.The average price in London will drop by 16.1 % this year, then a further 3.4 percent next year. Property values will then recover by 2.1 per cent in 2011, 8.9 per cent in 2012, 10.7 per cent in 2013 and 7.4 percent in 2014. The report to the National Housing Federation claims the average price will boom to 354,900 pounds. This is an overall rise of 27.7 per cent from today, but more than 40 percent up on prices expected in late 2010. An average London property bought last year for 331500 pounds will still be worth less in 2013, at 330600 pounds. It expects the2012 Olympics to provide a welcome boost. Its Chief executive David Orr said low income families would struggle to get credit. (London Lite Monday, 3 August 2009 Page 15). These two research shows that prices are still going down in the next two years, after that it is expected the prices will boom, in these circumstances people are not willing to buy house, and research also shows that due to credit crunch low income families are also struggling for getting credits. Credit Crunch: The major factor that affects the demand for houses and prices of houses are credit crunch. The credit crunch which began two year ago shows no signs of abating. With declining economic fortunes in most OECD economies, there is also the prospect of things getting worse before getting better. These are some of the problems stemming from the credit crunch. (http://www.economicshelp.org/2008/07/problems-of-credit-crunch.html) Due to shortage of credit, banks are decline in their reserves as they write off bad debts. In UK, mortgage approval has fallen, causing fall in demand of houses and prices, people lose their confidence to buy and declines of profits of banks and share value. Because of high cost of mortgage, people have less ability to buy that is also big cause that fall the demand of houses and price. Unemployment: The other big factor that affects demand for houses and prices in UK is unemployment, after the credit crunch lot of people are unemployed and in other words they lose their jobs, if we look for the last three years ratio of unemployment in UK, we have better idea and we are in better position to find analysis of what actually happened for the house market. (http://www.economicshelp.org/2008/10/unemployment-in-uk.html) If we consider both of these graphs, we come to know that in April 2007, the employment rate is higher and in April 2009 it totally fell down. Same case happened in the second graph which shows that in April 2007 the unemployment rate is very low, but after the credit crunch, April 2009 the unemployment rate is so high. In other words we say that unemployment is high or lots of people are going to benefits. This is the big factor that affects the demand of houses and price; a lot of people lose their jobs, people do not have the ability and reserve to pay high rate of deposit or high mortgage, this is the cause the demand of houses shift to left. (http://images.google.co.uk/images?hl=ensource=hpq=demand+and+supply+curvegbv=2aq=3oq=demand) Interest Rate: Interest rate play a very important role of getting mortgage, If your interest rate is lower you have to give back less money if you have high interest rate you have to pay back more. But in last two years the interest rate is going down and down at 0.5%. According to general demand supply rules, the demand is high, but if we consider the factor that is directly linked with interest rate is mortgage, the mortgage companies are badly collapsed because of recession. However the interest rate is low people still not interested to buy homes. The main reason is that the mortgage demand high deposit, people do not have money to pay high deposit, this means even the interest rate is lower but mortgage deposit rate is high, that affect the directly to demand of housing and prices. If demand is less definitely the prices goes down. In this analysis, the interest rate is not the direct factor of reducing the demand, but the linked factor of mortgage affect the demand of housing and prices. (http://images.google.co.uk/images?hl=ensource=hpq=demand+and+supply+curvegbv=2aq=3oq=demand) Economic Recession: Many professionals and experts around the world believe that a true economic recession can only be confirmed if GDP (Gross Domestic Product) growth is negative for a period of two or more consecutive quarters. The roots of a recession and its true starting point actually rest in the several quarters of positive but slowing growth before the recession cycle really begins. Often in a mild recession the first quarter of negative growth is followed by slight positive growth, then negative growth returns and the recession trend continues. While the two quarter definition is accepted globally, many economists have trouble supporting it completely as it does not consider other important economic change variables. For instance, current national unemployment rates or consumer confidence and spending levels are all a part of the economic system and must to be taken into 0account when defining a recession and its attributes. (http://recession.org/definition). It is actually more common than you might realize for countries around the world to experience mild economic recessions. Recession (or contraction) is a natural result of the economic cycle and will adjust for changes in consumer spending and consumption or increasing and decreasing prices of goods and labor. Rarely though entirely possible, experiencing can a multitude of these negative factors simultaneously lead to a deep recession or even long economic depression. Effect Of Economic Recession: Generally, an economic recession can be spotted before it actually happens. There are ways to spot it before it actually hits by observing the changing economic landscapes in quarters that come before the actual onset. You will still see GDP growth, but it will be coupled with signs like high unemployment levels, housing price declines, stock market losses, and the absence of business expansion. When an economy sees more extended periods of economic recession, it goes beyond a recession and is declared that the economy is in a state of depression. The only real benefit of an economic recession is that it will help to cure inflation. In fact, the delicate balancing act that the Fed struggles to pursue is to slow the growth of the economy enough so that inflation will not occur, but also so that a recession will not be triggered in the process. Now, the Fed performs this balancing act without the help of fiscal policy. Fiscal policy is usually trying to stimulate the economy as much as is possible through such things as lowering taxes, spending on programs, and ignoring account deficits. (http://recession.org/definition) Consumer Confidence: During times of high consumer confidence, people are more willing to take out risky mortgages to be able to buy a house. For example, in the period 2001-07 100% mortgages and interest only mortgages were quite common. In the early 00s, people were optimistic about the housing market and so took out mortgages with a higher debt to income ratio. (http://www.uk-houseprices.co.uk/housing_market/factors_affecting_prices.html) After 2007 the recession time start, prices are continuously fall, people restricted to invest money, because they continuously fall, so the demand of houses also fall. Speculation: Everybody buy homes to live in, some people buy house for renting purposes o get more money and save the capital. But after the credit crunch the prices are going to fall, so the investors are not more interested to invest. This is bigger factor that affect the demand of houses and prices. (http://images.google.co.uk/images?hl=ensource=hpq=demand+and+supply+curvegbv=2aq=3oq=demand) Prediction: From the above information about changes in house prices and demand, I did able to predict what will happen in next two years or more? The predictions are as follows. Because of recession time, the mortgage companies are still struggling for finance and banks are also struggling to get back the money from costumers, so in these circumstances prices of houses and demand will fall more in next two years. Independent analysts oxford economics shows that prices in London will drop16.1% in 2009 and then further 3.4% in 2010.After 2010 the property will recover 2.1%, 8.9%, 10.7% and 7.4% in the coming years. These figures show that the prices of houses and demand still fall in the next two years. Unemployment rate is continuously fall and expected that still fall in the coming years up to three million people are jobless in the coming two years. This also shows that the demand of houses and price will go down further. People are mostly unemployed, and others are on benefits, so average income is not compatible to mortgage deposit, however the interest rate is lower but people do not have reserve to pay deposit, so the demand is going further to fall in the next two years. The mortgage companies are still fall in finances, they are not willing to give lenders the risky loans, it has also effect the consumer confidence, these two factors indicate further fall in demand and prices of houses. Speculation about the house prices, they are further fall in future, investors are not interested to invest, so these shows that the prices and demand further fall in future. These are facts that predicts further fall in demand and prices of houses in UK, but after 2010 it hope the prices will recover and people confidence improved and demand shift to right. Conclusion: All the factors that affect demand and prices of houses shows that prices and demand further going to fall in the next two years, after 2010 it hope the prices will recover and demand of houses will be high. This is the recession time and mortgage companies and banks are lack of finance to support people to buy homes. However the Government reduces their interest rate but people do not have the ability or reserve to pay high deposit and second reason is that a lot of people are jobless or on benefits, they are not able to pay even less mortgage. These all factors that I discussed above are inter linked with each other, thats why prices of houses and demands are going to fall. After 2010 it hope the recession time will be finish , mortgage companies and banks will be able to provide more finance to costumers, the job condition is better, income is high, so people are more able to purchase houses and demand will be high, if demand is high the prices should be rise. References: (London Lite Monday, 3 August 2009 Page 15). http://recession.org/definition http://images.google.co.uk/images?hl=ensource=hpq=demand+and+supply+curvegbv=2aq=3oq=demand+ http://www.uk-houseprices.co.uk/housing_market/factors_affecting_prices.html http://www.economicshelp.org/2008/10/unemployment-in-uk.html http://www.mortgageguideuk.co.uk/index.html http://www.economicshelp.org/2008/07/problems-of-credit-crunch.html (http://en.wikipedia.org/wiki/Housing_market).http://www.housingmarket.org.uk/house-prices/current-uk-house-prices-trend/08/24.8.09 Bibliography: http://www.uk-houseprices.co.uk/housing_market/factors_affecting_prices.html http://www.economicshelp.org/2008/10/unemployment-in-uk.html http://www.mortgageguideuk.co.uk/housing/house-price-fall.html