National Missile Defense Essay -- Weapons War Cold War American Histor

National Missile Defense Recorded Perspective On March 23, 1983, through a broadly broadcast address to the country, at that point President Ronald Reagan imagined a †Star Wars† resistance framework to supplant the current component of common prevention between the two Cold War superpowers. The framework requires a cutting edge invulnerable ballistic rocket shield for the United States. The discourse denotes the introduction of the Strategic Defense Initiative1 (SDI). It came about when the Soviets at that point had numerical bit of leeway over the United States in ballistic rockets that are progressively exact and amazing. Truth be told, the Soviets can overpower the United States' rockets on the ground should a contention ever happen. Weapons contest is an endless loop in itself and won't add to the reason for world harmony. In this way, to render this favorable position barren and out of date, President Reagan coordinates the nation’s capable and government organizations to start investigating and exploring programs that will accomplish a definitive objective of dispensing with dangers because of weapons of mass obliteration now and for the years to come. In under 10 years in the wake of setting the vision, the United States was terribly helped to remember the need of utilizing a competent rocket protection framework during the Gulf War. On February 25, 1991, in a rocket assault on Dhahran, Saudi Arabia, an Iraqi-propelled Scud missile’s warhead hit a distribution center that filled in as a United States sleeping shelter, slaughtering 28 officers and harming scores of others all the while. Evidently, one Patriot battery was not operational while the other couldn't follow the approaching rocket because of a product issue. Quick Perspective The quantity of countries having ballistic rockets has expanded ov... ...ense What Does It All Mean? Missile Defense Issue Brief. Focal point of Defense Information. 17 May 2002. <http://www.cdi.org/Hotspots/nmdissuebrief/nmd32.pdf> 10. Antonia Handler Chayes and Paul Doty. Shielding Deterrence. Virgina: Pergamon- Brassey's International Defense Publishers, Inc., 1989. 11. Editorial: The Moral Necessity of Missile Defense. Reason, Individualism, Accomplishment and, Freedom. Blemish. 2001. The Objectivist Center. 17 May 2002. <http://www.objectivistcenter.org/articles/jrobbins_moral-need rocket defense.asp> 12. Lieutenant Ron G. Jacobson Profound quality of Nuclear Deterrence and Missile Defense. Military Philosophy and Ethnics. Feb. 1999 National Security Affairs. 18 May 2002. <http://nsa.nps.navy.mil/Publications/Micewski/Jacobson.html>

ETHICS DAY QUESTIONS Essay Example | Topics and Well Written Essays - 250 words

Morals DAY QUESTIONS - Essay Example This essentially implies individuals affirm and recognize that the strict instructing on doing unto others what one needs others to do unto thyself is obviously grounded on moral and good codes. In one’s experience, religion, through lessons like the Ten Commandments, give rules to making the wisest decision and submitting to all inclusive gauges of profound quality and morals. This is generally relevant in circumstances and societies where lessons have been soaked up and moved starting with one age then onto the next. In like manner, one additionally accepts that a few people could comply with good and moral guidelines; but then declare that they are not associated with any strict gatherings. An open figure, Barack Obama, who represents or displays a moral hypothesis that best fits this individual is utilitarianism, or attesting that activities ought to be led dependent on the potential result of profiting the best number of individuals for more noteworthy's benefit. Obama’s religion was noted to be Christian (Lederman, 2013). As the President of the United States, a country known to advance decent variety, he is required to be fair-minded in rehearsing the religion that shifted individuals like. All things considered, the most suitable moral hypothesis is the advancement of utilitarianism which fits Obama, as the leader of an amazing and law based country. Lederman, J. (2013, October 19). Obamas Religion Is Out Of Spotlight But Christian Spirituality Serves During Tough Times. Recovered from Huffington Post:

Coping With a Family Members or Loved Ones OCD

Coping With a Family Members or Loved Ones OCD OCD Living With OCD Print How OCD Affects Your Relationships Symptoms and Disability Can Complicate Personal and Professional Relationships By Owen Kelly, PhD Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on August 04, 2019 Image Source/Image Source/Getty Images More in OCD Living With OCD Causes Symptoms and Diagnosis Treatment Types Related Conditions If you have OCD or are the family member, friend or partner of someone with OCD, you probably know that that the symptoms and disability associated with OCD can place a great deal of strain on both personal and professional relationships. OCD and Romantic Relationships One thing that many people with OCD are frustrated by is difficulties in establishing and maintaining romantic relationships. Many people with OCD are single and those who are in a relationship or are married often report a significant amount of relationship stress. Unfortunately, symptoms and stigma can often get in the way of making a romantic connection. OCD and Sexual Intimacy Although it is not often talked about, a major barrier for many people with OCD engaging in a romantic relationship is problems related to sexual functioning. For many people, one of the key ingredients required for a healthy romantic relationship is active sex life. Although sexual problems are relatively common, research suggests that people with OCD report higher than average levels of problems with sexual functioning. Sometimes symptoms such as obsessions can relate directly to matters of sexuality or sexual practices. Also, some medications meant to help OCD can affect sex drive. OCD and Work: Dealing With Employers Personal relationships aside, for many people with OCD, seeking out, obtaining and maintaining gainful employment is a significant challenge. While symptoms of OCD themselves can get in the way of completing the required duties of a particular job, there is also the significant challenge of stigma, prejudice, and discrimination that is associated with OCD and other forms of mental illness. All of these can conspire to make it difficult to forge strong professional relationships. Coping When a Family Member Has OCD Given these challenges, family members often want to help. However, as the family member of someone with OCD, it can be difficult to know what is the right thing to do, what to say or how to cope -- especially when symptoms are severe or complex or accompanied by other illnesses such as depression and other anxiety disorders. Dating Someone With OCD Likewise, although any intimate relationship has its ups and downs, dating someone with OCD can present some additional challenges. Above all, it is important to remember that an illness is what a person has, not who they are.

An Introduction to Piano

Branding, Pricing, and Distribution - 1034 Words

Assignment 3: Branding, Pricing, and Distribution Dr. Englehart MKT: 500 Marketing Management A. Keaton December 20, 2013 Domestic and Global Product Branding Strategy Branding is a necessary strategy in which Organic Vita-Hair must use to create product awareness and recognition. This is especially the case since the company has chosen global markets as its target market due to its e-commerce structure. In order to complete this branding strategy, the company will use the following logo on all of its products, websites, and other related material: The goal of the company is to create a strong sense of recognition for this logo so that consumers recognize it when browsing through products on other websites such as†¦show more content†¦The product is made of natural ingredients such as coffee, cinnamon, lemon juice, and beets. Consumers feel assured that their hair will not be damaged from chemicals similar to those in harsh dye ingredient lists. Branding strategies will include promotional advertisements showing the simple ingredient list in comparison to ingredients in other salon grade sh ampoo products. Distribution Channel Analysis Although the website allows automated ordering and delivering, there are times when customers may have questions or find difficulty ordering products on the company’s website. Customer service is important in sales volume and customer satisfaction. It is crucial that Organic Vita-Hair offers constant customer service to their current and potential customers. Two of the company’s service representatives are dedicated to these types of inquiries on a constant basis while the other two representatives are in charge of sales and order fulfillment. There are three specific distribution channels in which Organic Vita-Hair will use: The company’s own website platform, E-Bay, and Amazon. This way, the company can flood its brand and its image into the marketplace quickly. Once the product is well-known and there is a strong sense of brand recognition, then the company will revert back to focusing solely on their website. When the company first began,Show MoreRelatedBranding, Pricing, and Distribution1715 Words   |  7 PagesBranding, Pricing, and Distribution In today s marketplace you need a strategy that insures a consistent approach to offering your product or service in a way that stands out from the competition. Branding, pricing, and distribution are all important parts of a strategic marketing plan. Brand identity is a very important part of a business. Brand identity is the impression in the consumer’s mind of a brands total personality. The brand personality is the image the company wants to convey throughRead MoreBranding Pricing and Distribution1395 Words   |  6 PagesBranding Pricing and Distribution Presented to Presented by May 20, 2012 Abstract The company chosen and used for this paper is a mobile transport company that caters specifically to senior citizens. This particular paper will explain in detail domestic and global product branding strategy, optimum pricing strategy and a distribution channel analysis that identifies the wholesaler, distributor, and retailer relationships including e-Commerce. Discussions within the paper will also includeRead MoreBranding, Pricing, and Distribution1528 Words   |  7 PagesBranding, Pricing, and Distribution Gary D. Tate Strayer University Marketing-500 Instructor: Brett Jordon 5/17/2012 Branding, pricing, and distribution are all integral parts of a strategic marketing plan. Each segment of the plan needs to be developed individually with the entire culmination of the plan in mind. In other words, each segment should be a link in the chain to a completed marketing strategy. The ultimate goal is to reach a successful culmination of all three tiers that willRead MoreBranding, Pricing, and Distribution Strategies1691 Words   |  7 PagesASSIGNMENT 3 MARKETING PLAN FOR TEACH CHINA BRANDING, PRICING, AND DISTRIBUTION STRATEGIES This section of Teach China’s Marketing Plan will focus in on key factors related to branding, pricing, and distribution: creation and development of the domestic and global product branding strategy; determination of optimum pricing strategy; looking at how the pricing strategy supports Teach China’s branding strategy, preparation of a distribution channel analysis, justification of opting for a pushRead MoreBranding, Pricing, and Distribution: Home Depot1559 Words   |  7 Pageswill then focus on the branding, pricing, and distribution of the lift. The plan will also need to include a product branding and pricing strategy, as well as examine how the pricing strategy supports the branding strategy. In addition, Home Depot will prepare a distribution channel analysis from which it will create a distribution strategy, determine whether the company is going to use a push or a pull strategy, and how the distribution strategy fits the product. Branding Strategy A brand is utilizedRead MoreMKT 500: Branding, Pricing, and Distribution1264 Words   |  6 Pagesï » ¿ Branding, Pricing, and Distribution Strayer University MKT 500/ Marketing Management 08/06/2013 Abstract This assignment focuses on branding, pricing, and distribution of Clear-Springs, Inc.’s product and service. In this assignment, a domestic and global product branding strategy was created and the optimum pricing strategy was determined and discussed in detail. An examination on how the company’s pricing strategy supports its branding strategy was compelled andRead MoreAssignment 3: Branding, Pricing, and Distribution Essay1194 Words   |  5 Pages1 Assignment 3: Branding, Pricing, and Distribution Kenneth Lee 8/6/2012 Marketing 500 Dr. R. Kay Green Strayer University 2 Authors Note Kenneth L. Lee Graduate of Strayer University. Kenneth L. Lee Is now the owner of Lee’s Recruiting Training Team. The research was done form share holder investments. Correspondence concerning this report should be addressed to Kenneth Lee, owner and author of Lee’s Recruiting Training TeamRead MoreClear Vision Incs Branding Pricing and Distribution1266 Words   |  5 PagesBranding, Pricing, and Distribution Clear Vision Inc.s Background Clear Vision, Inc.s core competency is provision of traditional contact lenses. In a bid to satisfy the needs of its increasing range of customers, it has undertaken to focus on creating conventional liquid drop contact lenses. Its customers are transforming from wearing the traditional contact lenses to liquid drop lenses. It intends to use state of the art technology to create liquid lenses. Its opportunities and strengths areRead MoreM K Business Strategy1077 Words   |  5 Pagesimpossible to put it back together. MK Shredding Branding Strategy Well-managed brand shift demand in several ways: by commanding a higher price, generating more volume or some of both. Too high a price will dampen demand and reduce revenues, but the stronger a company’s brand, the further out it can push this intersection of volume and price in order to maximize revenues and profits (Almquist Dor-Ner, 2012). MK SHREDDING will focus its branding strategy on creating the right marketing mixRead MoreMarketing Analysis : Marketing Strategy1611 Words   |  7 Pagesthe run. Key Approaches to Incorporate Branding and Co-Branding Opportunities Branding is the process involved in establishing a distinct name and image for a new product in the customers’ mind. On the other hand, co-branding is an arrangement that relates a single service or product with more than one brand name, or otherwise relates a product with someone other than the main producer (Sandhusen, 2000). Many of the opportunities for branding and co-branding include communication, customer service

Night World Spellbinder Chapter 10 Free Essays

string(38) " they opened the door and nabbed him\." Gran told me that the only person who can send a spirit back is the one who called it up,† Thea said. â€Å"But the problem is that you have to be able to see the spirit, you have to be close to it. Then you can do the sending-back spell. We will write a custom essay sample on Night World : Spellbinder Chapter 10 or any similar topic only for you Order Now † â€Å"Okay,† Dani said, nodding. â€Å"But-â€Å" â€Å"Wait, I’m getting to it.† Thea got up and began to pace the few steps between her bed and Blaise’s. She spoke slowly at first, then more rapidly. â€Å"What I’m thinking is that this can’t be the first time this has happened. Sometime, somewhere, somehow, some witch must have called up a spirit and let it get away. And then had to go out and get hold of it again.† â€Å"I’m sure that’s true. But so what?† â€Å"So if we could find a record of how she did it-how she tracked the spirit down-we might be in business.† Dani was getting excited. â€Å"Yeah-and it wouldn’t even have to be a case of a summoned spirit. I mean, some spirits just won’t go to the other side at all after they’ve died, right? Maybe there’s a record about how one of them got sent across the veil.† â€Å"Or a story. Or a poem. Anything that would give us a clue about how to get them to stay in the same room with you while you do the spell.† Thea stopped and grinned at Dani. â€Å"And if there’s one thing Gran has lots of, it’s records and stories and poems. There are hundreds of books in the workshop.† Dani jumped up, dark eyes snapping. â€Å"I’ll call my mom and tell her I’m staying over tonight. Then- we find it.† After Dani called her mother, Thea called Eric to make sure he was okay. Now that she knew there was a demented spirit on the loose she was worried about him. â€Å"You’re sure you’re all right?† he said. â€Å"I mean, I still feel awful about taking you to that place. I wanted-well, I’d like it if we could see each other without something terrible happening.† Thea felt as if someone had squeezed her heart. â€Å"Me, too.† â€Å"Maybe we could do something tomorrow. If you’re up to it.† â€Å"That would be good.† She didn’t dare to keep talking to him with Dani around. It would be too easy for anyone listening to guess her feelings. The first thing Thea noticed in the workshop was that Blaise had taken her new project with her. She must be close to finishing it. â€Å"I’ll start here,† Dani said, standing in front of a large bookcase. â€Å"Some of these look really old.† Thea picked another case. There were books of every kind: leather-bound, paper-bound, cloth-bound, suede-bound, unbound. Some were printed, some were handwritten, some were illuminated. Some were in languages Thea didn’t know. The first shelf yielded nothing except an interesting spell titled â€Å"how to make an elixir of abhorrence, which works quite as well, or perhaps a little worse than the traditional Elixirs of Loathing or Detestation, and is less delicate and expensive than the Elixir of Odium used by royals and members of the nobility, and will also keep extremely well for a very long time.† Hmm†¦ Thea put that book aside. She’d looked through another half a shelf when Dani said, â€Å"Hey, I found your family tree.† Thea scooted over. â€Å"Yeah, that’s the one Gran keeps. It doesn’t go anywhere near back to Hellewise.† She laughed. â€Å"Who’s this guy?† Dani put her finger on a name. † ‘Hunter Redfern.’ I thought the Redferns were that hotshot vampire family.† â€Å"Lamia family. I mean, there’s a difference, you know. Someone who’s made into a vampire can’t have kids.† â€Å"But what’s the lamia guy doing in your family tree?† â€Å"He’s the one who did a kinship ceremony with Maeve Harman, back in the sixteen hundreds. She was the leader of the Harmans then. See? And we’re all descended from their daughter Roseclear.† â€Å"She did it with a vampire? Creepy.† Thea smiled. â€Å"She did it to stop their families from fighting-they had a feud going on. And so now all of us modern Harmans have a little vampire blood.† â€Å"I’ll remember to watch out if you start looking at my throat.† Dani traced a finger down the tree. â€Å"It looks like you and Blaise are the last of the female Harmans.† â€Å"Yeah, we’re it. The last Hearth-Women.† â€Å"That’s a big responsibility.† It was almost exactly what Gran had said. Thea suddenly felt uncomfortable with family trees. â€Å"Yeah. Um, I guess we’d better keep reading.† It was several hours later when Dani said quietly, â€Å"I’ve got it.† â€Å"What?† Thea went to sit by her. The book on Dani’s knees was bound in green with a crescent moon and three stars on the front-a Night World symbol for witches. â€Å"It’s a book of humorous stories, but they’re supposed to be true. This one is about a guy named Walstan Harman back in seventeen seventy. He died, but he didn’t cross over. He just hung around town playing jokes on everybody-appearing at night with his head under his arm and stuff like that. He never stayed in one place long enough for them to catch him, though.† â€Å"So how did they track him down?† Dani flashed a triumphant smile. â€Å"They didn’t. They lured him in.† Light dawned for Thea. â€Å"Of course-I’m so stupid. But how?† Dani’s slender finger swept down the page. â€Å"Well, first they waited till Samhain, so the veil between the worlds would be thinnest. Then Nicholas Harman had this big feast prepared, this huge table piled up with Walstan’s favorite food.† Dani made a face. â€Å"Which happened to be mince pie made with bear meat and pumpkin, with a cornmeal crust. They have a recipe for it here, too. Gah.† â€Å"Never mind that. Did it work?† â€Å"Apparently. They set up the table with the pies in an empty room, then they cast a circle around it. Old Walstan was attracted to the food-I guess he just couldn’t resist taking a look, even if he couldn’t eat it. And when he came down to check it out, they opened the door and nabbed him.† † ‘Sent him speedily and conveniently through the narrow path to the airy void,’ † Thea read over Dani’s shoulder. The story sounded genuine-only someone who’d actually seen a summoning or a sending-back would know those words. â€Å"So now we know how to do it,† Dani said. â€Å"We wait until Halloween and then we lure her. We just have to find something she likes-â€Å" â€Å"Or†¦ something she hates,† Thea broke in as an idea struck her. They stared at each other. â€Å"Like what she saw at the old gym,† Dani breathed. â€Å"Something that reminded her of what they did to her.† â€Å"Yes, except†¦Ã¢â‚¬  Thea stopped. Her mind was rating on, but she didn’t want to share her thoughts with Dani. Except that the humans might already be doing something oh ? Halloween, something that would attract Suzanne. If the police opened the old gym, the Halloween party would be an incredibly strong lure. All those horror booths†¦ So if I wanted to draw her somewhere else, I’d need to be doing something even worse, something that would remind her even more of what happened to her. And I’d need bait, somebody she’d want to kill. A human. Somebody who’d work with me, who’d be willing†¦ Not Eric. Her thoughts came up short as she realized where they were leading. She found that her hands were icy cold and her heart was pounding slowly. No. Not Eric, no matter what. Not even to save lives. She pushed the thought from her mind. Of course there was some other way, and she’d find it. There was time†¦. â€Å"Thea? You still with me?† Dani was watching her. â€Å"I was just trying to figure it all out.† Thea forced herself to speak calmly, to focus on Dani. â€Å"Urn, listen, there’s one good thing I just thought of-we may have a little time. If Suzanne is still watching the old gym, it could work for us. As long as the gym is closed up, people won’t go in there, and she won’t be able to get anybody.† â€Å"I hope so,† Dani said. â€Å"I mean, I understand why she’s upset, but nobody deserves to die the way Kevin did. Not even a human.† Late that night, while Dani was breathing peacefully in Blaise’s bed, Thea lay and stared at the faint glow above the window curtains. It wasn’t just visions of Kevin. Her mind kept returning to what Dani and Gran had said about her responsibility. Even if I send Suzanne back, even if Gran gets well, even if I manage to keep Blaise from killing Eric†¦ where am I? I’m a renegade witch. And there’s no future for Eric and me†¦ unless we run away. But that would mean him leaving his family forever-and us being hunted wherever we went. And me betraying the Hearth-Women and the Night World. One last thought glimmered before she could force her mind into blankness. There’s no way everybody is going to come out of this happy. The next morning Thea was late for school. And she had a hard time tracking down Blaise-it wasn’t until lunchtime that she and Dani found the Circle Midnight witches in the front courtyard. â€Å"Please let us see it,† Selene was saying as Thea and Dani walked up. â€Å"Just one peek. Please?† â€Å"I want to do a trial run first,† Blaise said, looking very pleased with herself. She took a drink of iced tea, ignoring Thea and Dani. â€Å"How’s Gran?† Thea broke in without preamble. Blaise turned. â€Å"Better, no thanks to you. Why didn’t you call this morning?† â€Å"I overslept.† After terrible nightmares about strangled people. â€Å"We were up late last night,† Dani said. â€Å"It’s not Thea’s fault.† â€Å"Your grandma’s really doing well,† Vivienne said kindly. â€Å"She just needs to rest for a while-Mom’ll probably keep her at our place for a couple of days. Sleep heals, you know.† Thea felt a tiny breath of relief, like a spring breeze. If Gran was getting better she had one less thing to worry about. â€Å"Thanks, Viv. Please thank your mom, too.† Blaise raised her eyebrows and made a tiny sound like â€Å"Hmf.† Then she tapped her chin with one long nail. â€Å"A trial run†¦Ã¢â‚¬  she said again, gazing far away. She was dressed unusually, in a bronze silk jacket with a high collar that was zipped up to her chin. Thea had a sudden sinking feeling. â€Å"What are you trying out?† Dani asked. Blaise gave them a slow smile. â€Å"Hang around and you’ll see.† She scanned the courtyard and said sweetly, â€Å"And there is the perfect mark. Selene, will you go ask him to come here?† Selene got up and languidly drifted to the boy Blaise had pointed at. Thea recognized him. He was Luke Price, a guy who drove a sleek red Maserati and looked like a bad-boy Hollywood star. He was fashionably unshaven and unkempt, had electric blue eyes, and right now looked vaguely surprised to find himself following Selene back to Blaise. â€Å"Luke, how’s it going?† Blaise said pleasantly. Luke shrugged. â€Å"Okay. What do you want?† His electric blue eyes lingered on Blaise, but he was obviously used to playing the tough guy with girls. Blaise laughed shortly, as if taken off guard by the question. â€Å"Nothing I can have,† she murmured-and then looked slightly startled at herself. â€Å"I want to talk to you,† she said smoothly, recovering. â€Å"And†¦Ã¢â‚¬  She tilted her head thoughtfully. â€Å"Maybe the keys to your car.† Luke laughed out loud. He leaned one hip against the concrete wall by the stairs, two fingers fishing in his T-shirt pocket for a cigarette. â€Å"You’re crazy,† he said indistinctly. Dani coughed as smoke drifted toward her. Thea swirled her plastic bottle of Evian water in one hand. Blaise made a face. â€Å"Put that out; it’s disgusting,† she said. Luke blew smoke toward her. â€Å"If you’ve got something to say, say it.† He was eyeing Blaise’s zipped-to-the-neck jacket with disfavor. â€Å"Otherwise stop wasting my time.† Blaise smiled. She touched the zipper at her throat. â€Å"You want to guess what’s under here?† Luke’s eyes went up and down the silk of the jacket, particularly where Blaise made it curve. â€Å"Maybe you’d better show me.† â€Å"You want me to show you? You’re sure, now?† Thea looked heavenward, thumb playing with the opening to her Evian bottle. Luke was scowling, blowing smoke between tight lips. His electric blue eyes were narrow. â€Å"I think you’re some kind of tease†¦.† Blaise took the zipper between two fingers and slid it down. The necklace fit like a collar, lying against the pale skin of her throat and the matte black of her simple blouse. And it was everything Thea had known it would be. It was delicate, exquisite, magical. Swirls of stars and moons in enchanted patterns. Gems of all kinds tucked into the mysterious curves. Green garnet, imperial topaz, sunstone, cinnabar. Violet sapphire, African emerald, smokestone. It seemed to move as you looked at it, the lines changing and flowing. Pulling you into the center of its mystery, winding around you like strands of softly burnished hair. Holding you fast†¦ Thea pulled herself away with a physical jerk. She had to shut her eyes and put up a hand to do it. And if it does that to me†¦ Luke was staring. Thea could actually see the change in his face as the necklace worked its spell. Like some Oscar-winning actor transforming from bad boy to vulnerable kid right there on screen. His jaw softened, his tight lips relaxed. The muscles around his eyes shifted and he lost his tense squint. He looked surprised, then defenseless. Open. Those electric blue eyes seemed dazzled, pupils widening. He sucked in a breath as if he couldn’t get enough air. Now he looked awed; now hypnotized; now yearning†¦ Spellbound. Luke had been transformed. His whole body seemed smaller. His lips were parted. His eyes were huge and full of light. He looked as if at any second he might fall down and start worshiping Blaise. Blaise sat like a queen, with her midnight hair tumbling around the necklace, her chest moving slightly as she breathed, her eyes as brilliant as jewels. â€Å"Put the disgusting cigarette down,† she said. Luke dropped the cigarette and stamped on it as if it were a spider. Then he looked back at Blaise. â€Å"You†¦ you’re beautiful.† He reached a hand toward her. â€Å"Wait,† Blaise said. Her face assumed a tragic, wistful expression. â€Å"First, I’m going to tell you a sad story. I used to have a little dog that I loved, a cocker spaniel, and we would take long walks together around dusk.† Thea gave her cousin a narrow sideways look. She’d never heard such a lie. And what was Blaise talking about dogs for? â€Å"But he was run over by an eighteen-wheel Piggiy Wiggly truck,† Blaise murmured. â€Å"And ever since, I’ve been so lonely†¦. I miss him so much.† She fixed her eyes on the boy in front of her. â€Å"Luke . .. will you be my little dog?† Luke looked confused. â€Å"You see,† Blaise went on, slipping a hand in her pocket, â€Å"if I could just have somebody to remind me of him, I’d feel so much better. So if you’d wear this for me†¦Ã¢â‚¬  She was holding a blue dog collar. Luke looked even more confused. Redness was creeping up his neck and jaw. His eyes filled. â€Å"For me?† Blaise coaxed, jingling the collar- which was way too big for a spaniel, Thea noticed. â€Å"I’d be so grateful.† Luke looked as if he were having a tremendous internal struggle. His breathing was uneven. He swallowed. A muscle in his jaw twitched. Then, very slowly, he reached for the collar. Blaise held it down low. Luke’s eyes followed the collar. Jerkily, as if his muscles were fighting each other, he knelt down at Blaise’s side. He stayed there, stone-faced, as Blaise fastened the dog collar around his neck. When it was secure, Blaise laughed. She glanced at the other girls, then jingled the metal loop for the dog tag. â€Å"Good boy,† she said, and patted his head. Luke’s face lit up with an excitement that bordered on ecstasy. He stared into Blaise’s eyes. â€Å"I love you,† he said huskily, still squatting. Blaise wrinkled her nose and laughed again. Then she zipped up the bronze jacket. The change on Luke’s face was much quicker this time than his first transformation. For an instant he looked completely blank, then he glanced around as if he’d suddenly woken up in a classroom. His fingers went to the dog collar. His face contracted in anger and horror and he jumped up. â€Å"What’s going on? What am I doing?† Blaise just gazed at him serenely. Luke tore the collar off and kicked it. Although he was glaring at Blaise, he didn’t seem to remember the last few minutes. â€Å"You-are you gonna tell me what you want or not?† he snapped, his upper lip trembling. â€Å"Because I’m not going to wait all day.† Then, when nobody said anything, he walked huffily off. His buddies across the courtyard were roaring with laughter. â€Å"Oops,† Blaise said. â€Å"I forgot about the car keys.† She turned to the other girls. â€Å"But I’d say it works.† â€Å"I’d say it’s scary,† Dani whispered. â€Å"I’d say it’s incredible,† Selene murmured. â€Å"I’d say it’s unbelievable,† Vivienne added. And I’d say it’s the Armageddon of accessories, Thea thought. And, incidentally, so much for Selene and Vivienne changing their ways. They may have been shocked at what happened to Randy and Kevin, but it sure didn’t last. â€Å"Blaise,† she said tightly, â€Å"if you walk around school showing that, you are going to cause a riot.† â€Å"But I’m not going to walk around school showing it,† Blaise said. â€Å"There’s only one guy I’m interested in right now. And this†-she touched her throat- â€Å"has his blood in it. If it works like that on other people, I wonder what it will do to him?† Thea took a few deep breaths to relax her stomach. She had never gone one-on-one with Blaise in a matter of witchcraft. And no one had ever challenged Blaise for a boy. But she didn’t have a choice-and putting this off wouldn’t help. â€Å"I suppose you’re planning to find some time to ambush him,† she said. â€Å"Some time when I’m not around.† It worked. Blaise stood, tall and regal in her bronze silk jacket, hands in her pockets, hair like a waterfall behind her. She gave Thea a slow smile. â€Å"I don’t need to ambush anybody,† she said with dreadful confidence. â€Å"In fact†¦ why don’t we set up a meeting after school? Just the three of us. You, me, and Eric-a showdown. And may the best witch win.† How to cite Night World : Spellbinder Chapter 10, Essay examples

International Journal Healthcare Research -Myassignmenthelp.Com

Questions: Are the employees of UAE are aware of the role of TPA in health insurance? Are the people residing in UAE are able enjoy the health benefits under the health insurance scheme proposed by the government? What are the health threats or possible complications experienced by the UAE population in relation to health insurance policies and its associated TPA? Answers: Introduction United Arab Emirates (UAE) is a federation of seven emirates (Abu Dhabi, Ajman, Fujairah, Sharjah, Ras Al Khaimah, Umm Al Quwain and Dubai) and was established in the year 1971. The discovery of oil influenced massive economic growth in UAE. This growth bolstered massive influx of migrant workers leading to a huge change in the demography with a majority being of pre-retirement (Suliman and Al-Junaibi 2010). This high influx of workers caused high population growth in UAE (Al-Jenaibi 2017). According to the census data, the population of UAE is highest in the world with 95% of population are less than 50 years old and male: female ratio is 3:1 (U.A.E National Bureau of Statistics 2012). Increase in the population along with increase in the number of immigrants caused high rate of disease occurrence in UAE and this in turn lead to the increase in health care costs. The cost of the both the amount paid by the insured person and insurance company has increases significantly in UAE. In order to reduce this escalating cost of health care, government of UAE introduced mandatory health insurance (Loney et al. 2013). Under the Thiqa Program, the government of Abu Dhabi provides comprehensive medical coverage for all UAE nationals residing in Abu Dhabi (The Official Portal of the UAE Government 2017). Under this scheme, the citizens are assigned with the Thiqa card, which grants complete health therapy access to a huge group of private and public healthcare providers who are registered under Damans network. However, in order to qualify for the Thiqa Program, UAE national under the age bracket of 18 to 75 years are required to pass through Weqaya test conducted by Department of Health, Abu Dhabi. This screening is done in order to identify the cardiovascular risk factors (The Official Portal of the UAE Government 2017). Apart from this, in the year 2015, UAE government has also launched new health insurance program. This program was designed to support the nationals who are not covered under any government funded health insurance schemes (United Arab Emirates Healthcare Service 2016). The Dubai Health Authority (DHA) in June 2016 announced that all the residents of Dubai should be covered under the health insurance that will be tied to renewal and issuance of their UAE residence visa (United Arab Emirates Healthcare Service 2016). Moreover, the government of UAE has made it is mandatory norms for the employers to provide health insurance to their employees along with their dependents. There are currently two emirates, which mandate the employers to provide coverage of health insurance to their employees, Dubai and Abu Dhabi (The National. 2016). Dubais Employer Sponsored Health Insurance Scheme for company employees, faces trouble while regulating scheme under the influence of the economic downturn. This is because in Dubai it is mandatory for employers to pay for the medical insurance to all the dependents including the domestic worker. The scenario is different in Abu Dhabi, which has strictly enforced the employer sponsored medical insurance scheme (The National. 2016). However, if the employee has a big family then the onus of the employer only bears up to the fourth child (The National. 2016). Rationale Rule of health insurance in UAE are different. In Abu Dhabi there are two insurance schemes one is Thiqa for Emirates and another one is Abu Dhabi Basic Plan for expatriates, bestowed by the National Health Insurance Company (Daman). In Dubai, there is Essential Benefits Plan, which is procured by 12 companies. In Abu Dhabi, all the employees who are under Abu Dhabi Basic Plan are required to pay half of the insurance policy in order to get premium service for their dependents (wife and children). However, they are required to bear the cost of their dependent parents (The National 2016). According to law of UAE, the maximum amount of insured coverage in Dubai is Dh150,000 and in Abu Dhabi is Dh250,000. However, this overage plan may not include emergency or ongoing treatment and also exclude dental, vaccination eye care costs (The National 2016). However, in the midst of numerous insurance policies and their different norms, the people of 7 different emirates lack a clear picture of the insurance plans, their premium schemes and the extent of coverage. Despite the claims made by the Health Authority Abu Dhabi (HAAD), the majority of low income workers lack the clear approach about their health insurance rights (Zaman, 2010). Although they are happy with the government policy to provide health insurance coverage but they are confused with the concept of network of coverage that is clinic or hospitals they should visit (Zaman 2010). So the rationale of the research is to elucidate the problems experienced by the people of UAE while availing the benefits of the health insurance policies. The research will also aim to highlight the possible health benefits or health threats experienced by the UAE population who are under the health insurance schemes. At the end the research will try to recommend the potential ways in which this gap between the understanding of the health insurance schemes and the role of TPA in providing the health insurance among the people in UAE can be negated. For this research, the researcher will only focus over the population of Dubai and Abu Dhabi as these two have proper structure of the health insurance policies in comparison to other emirates. Aims and Objectives The main objectives of the research will be Analysing the role of TPA in health and health insurance under the perspectives of UAE What are health benefits offered by TPA to the population residing in UAE What are possible health threats imposed by TPA on the health of the population residing in UAE Possible recommendation in relation to health insurance and TPA towards optimal health care access of UAE population Overview of health system reform in UAE Health system reform has been implemented in many countries globally to achieve best health outcome. The Emirate of Abu Dhabi, UAE is also one region that moved towards the journey of health care reform by introducing the mandatory insurance coverage scheme for employers. The statutory agency, the Health Authority-Abu Dhabi (HAAD) is the statutory agency that implements regulations for health care providers and insurance companies. The Emirati law makes it mandatory for employers to provide coverage of health insurance to their employees. Currently, three insurance schemes operates in the country (Paulo, Loney and Lapo 2017). The Thiqa scheme is for Emirati nationals, the basis cover is for unskilled laborers and enhanced cover for higher skilled workers. Thiqa cardholders comprise about 40.1% of the market and basic insurance holders consist of 26.5% of the market (Sharif et al. 2013). The payment scheme for individual members differs based on different insurance company. The differ ence in Thiqa cover and basic cover is mostly seen from difference in expatriate and national population. Koornneef et al. (2012) has reviewed the health system reform in Abu Dhabi and gave insight into the main components of the reform. The key driver for reform in the health care system was the Presidents Sheikh Zayed bin Sultan Al Nahyan vision of improving access to high quality health care for consumers. More than 50% of the GDP of Abu Dhabi comes from their oil reserves. However, reducing dependence on oil exports paved way for diversification of the health care system of the country. With discussion on the three insurance schemes available in the Emirate of Abu Dhabia, the study gave idea about the way health insurance has been distributed among national and expatriate population. The main strength of the evidence by Koornneef et al. (2012) is that it has pointed out to the gap in achieving affordable and sustainable health care for payers and providers. Secondly, it discussed about increase in competition through privatization of many health service contract, however no data has been provided to prove that competition between providers changes the provisions for affordability of care. Evidence by Collins et al. (2015) has showed that health care reforms increase health care coverage and affordability. Hence, poor health coverage in UAE despite health care reform is an area of future research. While evaluating the insurance coverage scheme by looking at the health system reform in Dubai, Sharif et al. (2013) has revealed that Dubai does not have compulsory health insurance requirement for expatriate workers compared to those in Abu Dhabi. The research also pointed to the challenges in UAE health system that needs attention in the future. The key challenges include responding to socio-demographic changes in the population and distribution of health insurance across all emirates. Hence, the manner in which people receive coverage by third parties may also differ based on different cities of UAE. Research done on people specifically in one city may help to clarify how third party medical (TPA) administration plays a role in enhancing coverage. Overview of the role of TPA in health coverage The TPAs emerged in the health care field to provide better service to policy holders and eliminate negative consequences of private health insurance. They are involved in coordinating between health care consumers and providers and monitoring uses of services and resources (Kennedy and Bartlett 2014). The study Hamidi and Akinci (2015) mainly focused on evaluating health care payment reforms in Abu Dhabi. The mandatory health insurance system resulted in the introduction of many payment reforms in Abu Dhabi. HAAD has been mainly involved in regulating health care across UAE. Individuals, employers and government are the three main sources of financing in the city. The author explained that apart from for-profits insurance companies and brokers, 13 TPAs are also involves in operating health insurance scheme. Many regional companies like Oman Insurance and Green Crescent are large payers and small payers outsource administration to TPAs. The significance of the Hamidi and Akinci (2015 ) study is that it gave idea about the impact of these reforms of health care consumers and providers. The positive side of health reform implementation was that it resulted in rise in demand for medical service among expatriates. Expatriates workers got the advantage of letting go off out-of-pocket payments. However, to address the issue of environment sustainability in the future, there was a need for more research to critically examine the impact of TPAs in harmonizing payment system and promoting transparency in hospital financing. This is necessary because Hoo and Lansky (2016) has argued that health care cost mainly remain unsustainable and applying principles of incentive alignment may help to fulfill shared goals. Although there are very few research which has examined the role of TPAs particularly in UAE, however research evidence has given insight into potential role of TPAs in health care system of UAE in the future. Alshamsan et al. (2017) aimed to evaluate percentage of individuals who borrowed for medical reasons and those people who failed to get adequate funds in Gulf states. This research was importance in an effort to realize the goals of universal health coverage and preventing heavy health investment. The research was mainly done in four countries of Saudi Arabia, Kuwait, UAE and Bahrain. The common characteristics for all this country were oil and gas as the main source of income, large percentage of expatriate population and high possibility of increase in demand of health services. The study findings demonstrated that poor respondents were mainly borrowing money for medical purpose and the common reason for this was that they could not get emergency funds. the main significance of this work is that it points out to equity concerns in health insurance schemes in Abu Dhabi. Hence, this drawbacks points to the need for health care reforms particularly for pore people in Gulf states. This research also points out to the future role of TPAs in enhancing consistency in terms of quality of care. Hoo and Lansky (2016) also supported the fact that utilization of TPAs by employers is necessary to manage alternative payment designs and handle challenges in health insurance plans . Health Insurance and its coverage in UAE People living in Dubai are now in a better health condition because Dubai Health Authority (DHA) has made sudden reforms in health care and health insurance system in Emirates (Jones 2017). This reform enables almost every travelling or residing to Dubai to enjoy the coverage of the health insurance. This change has improved health related outcomes across a broad range of patients as people of Dubai now feel free to visit doctors in case of even minor health related complications which was previously a fear arising out of sheer financial burden. However, cancer, the leading cause of death among the Dubai, is not included under the coverage of the Essential Benefit Plan of Dubai (Jones 2017). However, DHA is now taking significant efforts to include cancer treatment under the health insurance plan as per the requirement laid by the mandatory health law. These changes are expected to come into enforcement by 2018 (Jones 2017). However, the insurance companies have given mixed response in regards to the DHA Health Funding Department decisions. This is because, cancer will lead to the increase in the reinsurance cost along with an increase in the premium of the Essential Basic Package under the banner of the Dubais mandatory health insurance schemes. Moreover, the third party administrator (TPA) are also not willing not include cancer under the health insurance schemes (Asia Insurance Review 2017). According to the Managing Director of Global Net, Dr. Sanjay Paithankar, earlier only 1/3rd of the total insured people were aware of the optimal use of the health insurance card. However, at present more than 80% of the insured group are utilizing health benefits leading to increase in cost along with reinsurance. Now including cancer in the under the plan will further lead to a hike in cost (Asia Insurance Review 2017). UAE Health Insurance and Confusion UAE has different insurance schemes for different sectors and this creates confusion among the UAE residents. The research carried out by the Health Monitor showed that people in UAE are now undertaking more onus in safeguarding the health future of their family members. This increase in awareness is getting reflected in the increase in the take up of the critical illness insurance schemes (increase by 16% in 2016). However, this tendency is more prevalent among the female population in comparison to the make population. However, 40% of the total respondents participated in the survey carried out by the Health Monitor are confused with the mandatory insurance assured by the employer and critical illness insurance (Wealth Monitor 2017). According to the managing director of Friends Provident International (FPI) of Middle East and Africa, Chris Divito, It is worrying that the number of respondents claiming to have critical illness insurance, and indicating that it is provided by their employer, has increased in the last year. I am concerned they may be confusing their mandatory health insurance with critical illness insurance, which is not something typically provided by an employer as part of a benefits package. These are two completely different types of insurance and these people may not be as well protected as they might think(Wealth Monitor 2017). Thus the people of UAE is failing to understand the basic difference between health insurance and critical illness insurance. Health insurance is designed only to cover the nursing insurance and the amount payable is dependent on the cost of the actual medical treatment. Long-term recuperation, home-care service and therapy are not included under the health insurance schemes (Wealth Monitor 2017). Critical illness insurance schemes can be used in a variety of way by the policyholders depending on their circumstances. Chirs Divito is of the opinion that the people must consider critically illness insurance as an imp ortant addition to their mandatory health insurance is they have an extended family who is totally dependent on them. On the other hand, the health insurance will take care of the cost of medical bills in short term but may not replace the earning that may get endangered in terms of critical illness (Wealth Monitor 2017). The same discrepancy in understanding is being reflected in terms of the mandatory health insurance policy. In Abu Dhabi, the low wageworkers do not have a clear idea about their health insurance rights. They are not familiar with the hospitals or clinics, which are under the coverage of the health insurance policies (Zaman 2010). According to the reports published in the Gulf News, one Indian construction worker has found complaining that none of the hospitals that he visited accepted his insurance card and hence he was compelled to avail the health care facility in his own expense. The excerpts of his statement, I did not know where to go, and was forced to pay one-third of my monthly salary when I sustained a neck injury and needed treatment. I also asked my family back home to send me the prescribed medicines (Zaman 2010). However, when the spokes person from the company was interrogated, he said that the workers could have approached the respective supervisors in the head office s in order to fetched relevant information (Zaman 2010). Summary and gaps in the research The mandatory health insurance for expatriate employees was the main component of the health care reform in the UAE, however the issue that has been found in the research by Koornneef et al. (2012) is the uneven distribution and utilization of health care despite insurance of three health insurance plans. This gap in information gives direction to fulfill the research objective. It also gives direction towards investigating the reasons for lower utilization of the health insurance schemes. The study also gave little insight regarding the affordability of health care. Hence, conducting research on the role of TPA in health insurance coverage in UAE is necessary as it can give insight into the reasons for poor utilization of the scheme. Collecting data directly from expatriate workers in UAE can give idea regarding what impact does mandatory health insurance system has had on the health care provisions of the country and how TPA support theme in claiming health insurance benefits. Hamidi and Akinci (2015) discussed about health care payment reforms in Abu Dhabi. It gave idea about the impact of reform on health care providers, however specific role and contribution of TPAs in health insurance has not been covered in past research. Due to this limitation, the current research proposal is important. Literature review has given idea about challenges in health care reform in UAE context and role of different funding sources in coverage. As small parties mainly outsource their administration from TPAs, hence it would be interesting to evaluate the strength and weakness of TPAs in addressing health insurance issue in UAE. The review of literature also provides an insight regarding how the government is trying to cover all the diseases under the mandatory health care schemes. The report published in Asia Insurance Review stated that the TPA in UAE is opposing the proposal of including the cancer coverage under the mandatory health insurance scheme. The reason cited by Jone (2017) is probable hike in the overall cost of the reinsurance. However, the review of literature did not highlight how the insured person is reacting to such policies undertaken by the government or what are their opinions in regards to the TPA's unwillingness to support cancer patient under the health scheme. This potential gap in the research opens the gate towards the analysis of the mindset of UAE population upon the proposal of including the health coverage of the cancer patient. The review of literature also highlighted that the there lies certain confusion among the low-wage workers among the optimal utilization of the health insurance schemes (Wealth Monitor 2017). However, the review of literate did not provides any specific insight regarding how or why this confusion is arising among the low-wage workers. There are also lack of insight in how the TPA is helping these people to overcome this confusion or whether they are bothered to this problem. Thus this gap in the research has open the avenue for new research direction that will anlyse that whether this group of people who are facing difficulty in understanding the optimal use of the health insurance are aware of the help procured from the TPA in this regards or what are their understandings in the ground of role of TPA in health insurance policies. The review of literature summarizes important elements of health care reforms in UAE and the role of mandatory health insurance scheme for improving access to health services for both national and expatriate population. However, research literature also pointed out to certain limitations in health insurance coverage such as poor utilization of services, issues related to affordability of services and lack of emergency medical funds for poorer people. Although specific role of TPA in health insurance for UAE context has not covered in research literature, however TPAs are likely to play an important role in regulating the health insurance industry in UAE. The report by Nair (2018) explains that TPAs need to raise their game to comply with new requirements of health regulators. They have to play intermediary role in processing health insurance claims. The report also recommended that TPAs needs to become regional players rather than local operator of insurance. Before this requirement can be realized by TPAs, efficiency in their work can be enhanced by evaluating the strength and weakness of their current role in health insurance coverage. This research proposal topic and data coming out from research can give useful insight regarding the current role of TPA in health coverage and the changes needed in future to comply with new requirements in health insurance coverage In this research work, the researcher will follow the research philosophy of positivism with a deductive approach. This will help to formulate the research hypothesis with the help of the theoretical framework. The researcher will select stratified sampling method (Saunders, Lewis and Thornhill 2015). This will help to select the focus group upon which the interview will be done. The overall research design is descriptive type design. Qualitative analysis method will be undertaken in order to analyse the answers of the respondents in the interview (Saunders, Lewis and Thornhill 2015). Sampling For this research, the research will choose random stratified sampling technique. The criteria that will be taken into consideration while selecting the respondents for the interview are Participants must be low-wage or medium wage workers Participants must reside in Abu Dhabi or Dubai (permanent resident of UAE) The participants must have a minimum qualification up to 10th standard All the participants are adult and above the age of 18 Participants must be enrolled under the mandatory health care policy of Dubai or Abu Dhabi Participants must have minimum 1 year of work experience in Dubai or Abu Dhabi On the basis of the above mentioned criteria 30 participants will be selected Research ethics It is duty of the researcher to abide by the Data Protection Act of 1998 while conducting the research (Saunders, Lewis and Thornhill 2015). The researcher will try to avoid biasness in the process of data collection and qualitative analysis of the data. Moreover, the research will also take informed yet signed consent from each of the participants before the initiating the interview process. The consent form will also ensure that the research will maintain the confidentiality of each of the participants via not disclosing their identity (Saunders, Lewis and Thornhill 2015). The research question will be framed such a way that it avoids any personal questions. Moreover, no participants will be forced to participate in the interview and will be allowed to leave at any point of the interview process as per their will. The researcher will also ensure that the data collected for this research will not be used for other research work in order to maintain the confidentiality of the researc h (Saunders, Lewis and Thornhill 2015). References Al-Jenaibi, B., 2017. The scope and impact of workplace diversity in the United Arab EmiratesA preliminary study.Geografia-Malaysian Journal of Society and Space,8(1). Alshamsan, R., Leslie, H., Majeed, A. and Kruk, M., 2017. Financial hardship on the path to universal health coverage in the Gulf states.Health Policy,121(3), pp.315-320. Asia Insurance Review. 2017.UAE: Confusion over cancer coverage in mandatory health scheme. [online] Available at: https://www3.asiainsurancereview.com/News/View-NewsLetter-Article?id=40319Type=MiddleEast [Accessed 30 Jan. 2018]. Collins, S.R., Rasmussen, P.W., Doty, M.M. and Beutel, S., 2015. The rise in healthcare coverage and affordability since health reform took effect.New York: The Commonwealth Fund. Hamidi, S. and Akinci, F., 2015. Examining the health care payment reforms in Abu Dhabi.The International journal of health planning and management,30(2). Hoo, E. and Lansky, D., 2016. Medical Network and Payment Reform Strategies to Increase Health Care Value.American Health Policy Snstitute,17. Hoo, E. and Lansky, D., 2016. Medical Network and Payment Reform Strategies to Increase Health Care Value.American Health Policy Snstitute,17. Jones, T. 2017.Confusion over cancer coverage in Dubai. [online] UAE Medical Insurance. Available at: https://www.uae-medical-insurance.com/news/2017/10/04/dubai-cancer-confusion/ [Accessed 30 Jan. 2018]. Kennedy, B. and Bartlett, R., First Data Corp, 2014.Healthcare system and method for right-time claims adjudication and payment. U.S. Patent 8,788,293. Koornneef, E.J., Robben, P.B., Al Seiari, M.B. and Al Siksek, Z., 2012. Health system reform in the emirate of Abu Dhabi, United Arab Emirates.Health policy,108(2), pp.115-121. Loney, T., Aw, T.C., Handysides, D.G., Ali, R., Blair, I., Grivna, M., Shah, S.M., Sheek-Hussein, M., El-Sadig, M., Sharif, A.A. and El-Obaid, Y., 2013. An analysis of the health status of the United Arab Emirates: the Big 4public health issues.Global health action,6(1), p.20100. Nair, M. 2001.UAE health insurance industry faces new round of regulations.GulfNews. Retrieved 30 January 2018, from https://gulfnews.com/business/sectors/banking/uae-health-insurance-industry-faces-new-round-of-regulations-1.934145 Saunders, M.N.K., Lewis, P. and Thornhill, A., 2015. Research Methods for Business Students: Lecturers' Guide (4th edition). Prentice Hall; Pearson Education Sharif, A.A., Blair, I., Taha, N.F. and Tom, L., 2013. Health systems in the United Arab Emirates: progression, challenges and future directions.International Journal of Behavioural and Healthcare Research,4(3-5), pp.270-282. Suliman, A.A. and Al-Junaibi, Y., 2010. Commitment and turnover intention in the UAE oil industry.The International Journal of Human Resource Management,21(9), pp.1472-1489. The National. 2016.How to pick the right health insurance for your dependants in the UAE. [online] Available at: https://www.thenational.ae/business/money/how-to-pick-the-right-health-insurance-for-your-dependants-in-the-uae-1.613342 [Accessed 30 Jan. 2018]. The Official Portal of the UAE Government 2017. Health insurance for UAE nationals. [online] Available at: https://government.ae/en/information-and-services/health-and-fitness/health-insurance [Accessed 29 Jan. 2018]. United Arab Emirates - Healthcare Services | export.gov. 2016.Export.gov. Retrieved 29 January 2018, from https://www.export.gov/article?id=United-Arab-Emirates-Healthcare-Services Wealth Monitor, Get Your Money's Worth. 2017.There is still confusion between health and critical illness insurance in the UAE. [online] Available at: https://wealth-monitor.com/news-today/confusion-between-health-and-critical-illness-insurance-in-the-uae/ [Accessed 30 Jan. 2018]. Zaman, S. 2010.Workers confused about health insurance rights. [online] GulfNews. Available at: https://gulfnews.com/news/uae/health/workers-confused-about-health-insurance-rights-1.653565 [Accessed 30 Jan. 2018].