An Empirical Investigation of International Consumer Market Segmentation Decisions They may also be more effective at exerting voice to manage agent
behavior, even without the exit option that school choice policies provide (Hirschman,
1970). Finally, student composition may operate as an employment amenity for teachers and
administrators, reducing the salaries that the school must pay and increasing the quality of
teachers that can be hired for any fixed salary (Antos and Rosen, 1975).
What Ford lacked, however, was a necessary responsiveness to ever changing consumer demands. His
production systems meant that he could not produce variety in his automobiles. By the end of the 1920's,
therefore, competitors more oriented toward customer demands (and less towards efficiency) dominated
the automobile market, and Ford’s manufacturing strategies were lost.
Japanese manufacturers recovering
from World War II were next to catch on to Ford’s ideals. In 1950, W. Edwards Deming pitched system-
wide quality improvement concepts to Japanese managers.
Local content, primarily news, is produced and carried on a range of media
platforms by public and private providers. News consistently ranks as the most
important content genre for audiences. Nine out of ten adults regularly consume
some form of local news3
and over three-quarters of people rate local news and
weather as important types of media4
. News at all levels is an integral part of
the democratic process in the UK as it helps to hold institutions and individuals
to account. It is also an important sector for the practice of journalism and
In this chapter, students will be able to understand: Know when to use consumer loans and be able to differentiate between the major types; identify the various sources of consumer loans; choose the best loans by comparing finance charges, maturity, collateral, and other loan terms; describe the features of, and calculate the finance charges on, single-payment loans; evaluate the benefits of an installment loan; determine the costs of installment loans and analyze whether it is better to pay cash or to take out a loan.
In this chapter, you will: Examine the link between buyers’ willingness to pay for a good and the demand curve, learn how to define and measure consumer surplus, examine the link between sellers’ costs of producing a good and the supply curve, learn how to define and measure producer surplus, see that the equilibrium of supply and demand maximizes total surplus in a market.
It started through word of mouth. People ask you to do this as a favor and it really is a job. I
found that having children, people assumed that I would be in town more often so they would
ask me to watch their house. Also because I love animals and have a dog and two cats, they
assumed that it was OK to ask me if they could drop one more pet off while they were out of
town, “just for the weekend.” Well it is still a job. So, because I am too nice, I would always say...
under the multiemployer insurance program, PBgC generally provides financial
assistance to an insolvent plan in the form of a loan or loans, although it occasionally
provides lump-sum settlements in lieu of future financial assistance. loans are usually
made quarterly but sometimes monthly in an amount which, when combined with the
plan’s other income, covers both the plan’s reasonable administrative expenses and its
statutorily guaranteed benefits payments.
From time to time, an event may need to be canceled, postponed, or interrupted. If a
crowd has already gathered, these actions have the potential to create dangerous crowd
reactions. Have plans in place to manage an angry crowd appropriately and to address the
possible readmission of patrons to the venue.
One major aspect to consider is authority to cancel or postpone an event. During the
planning phase, the promoter and the planning team must discuss who has the authority to
cancel or postpone an event as well as when and under what conditions the event...
The Review takes an international perspective. Climate change is global in its
causes and consequences, and international collective action will be critical in driving
an effective, efficient and equitable response on the scale required. This response
will require deeper international co-operation in many areas - most notably in creating
price signals and markets for carbon, spurring technology research, development
and deployment, and promoting adaptation, particularly for developing countries. ...
Clearly there is not enough training. National and local governments
should start paying more attention to training needs and budgets, be-
cause the bilateral and the multilateral agencies cannot keep supporting
training at the current rate. National budgets have to start allocating
resources for training.
There are some management issues. A demand-driven approach may
reduce funding for poorer communities, because they are often the ones
least able to develop their own projects.
Whether you should buy a long-term care insurance policy will depend on
your age, health status, overall retirement goals, income and assets. For
instance, if your only source of income is a Social Security benefit or
Supplemental Security Income (SSI), you probably shouldn’t buy long-term
care insurance, as you may not be able to afford the premium.
On the other hand, if you have a large amount of assets but don’t want to
use them to pay for long-term care, you may want to buy a long-term care
These estimates were obtained by asking respondents several questions about their current health
insurance coverage. Separate questions were asked about Medicare, Wisconsin Medicaid, BadgerCare
Plus, private health insurance, employer-sponsored health insurance and other kinds of health care
coverage for each household member. Those without any current health care coverage were considered
uninsured at the time of the interview. (See Table 5, page 18, for specific types of health insurance
The presence of substances in groundwater may be affected by naturally occurring processes
as well as by actions directly associated with human activities. Naturally occurring processes
such as decomposition of organic material in soils or leaching of mineral deposits can result in
increased concentrations of several substances. Those of health concern include arsenic,
fluoride, selenium, uranium, nitrate, metals, and radionuclides such as radon. Problems of
aesthetic quality and acceptance may be caused by iron, manganese, sulphate, chloride and
organic matter. ...
Yet in recent years, ailing institutions have also made use of bad banks as a method for
repairing the balance sheets without governmental interference. Between 2003 and 2005,
Dresdner Bank transferred 35.5 billion euros in toxic loans and shares which had lost
strategic relevance to a so-called Institutional Restructuring Unit (IRU).
WestLB, the Landesbank partially owned by the state of North Rhine-Westphalia,
founded a consolidation vehicle named “Phoenix” in Dublin, Ireland.
Environmental accounting is a term with a variety of meanings. In many contexts,
environmental accounting is taken to mean the identification and reporting of environment-
specific costs, such as liability costs or waste disposal costs. For the purposes of this analysis,
a much more general definition is used. "Environmental accounting" is more than accounting
for environmental benefits and costs. It is accounting for any costs and benefits that arise
from changes to a firm's products or processes, where the change also involves a change in
The North Carolina Solar Center at NC State University, in collaboration with the National
Renewable Energy Laboratory, examined 10 state financial-incentive programs in six states
using a case-study approach in order to clarify the key factors—both internal and external to
the program—that influence their effectiveness at stimulating deployment of renewable
energy technologies. While existing information resources such as the National Database of
State Incentives for Renewable Energy (DSIRE, www.dsireusa.
The significance of these institutional developments cannot be over-empha-
sized. They truly revolutionized agricultural production in the United States,
and had many positive spillover effects around the world. Indeed, few industries
have been as productive and innovative as agriculture during much of the 20th
Century. The quantity, quality, and availability of food have increased many-
fold, and real food prices have steadily declined. Today, less than 1 percent of
For the HR context there is a supplementary and vital research question: ‘How should an
HR manager respond to the competing pressures of recruiting and retaining attractive employees
while at the same time keeping legislative and professional competence intact?’ What stance,
either personal or organisational, gives rise to potential ethical anxieties?
Unanswered here but noted are gender differences for aesthetic labour and also for
sprezzatura, treated historically as the male mind at work.
Further development of banding techniques and study
of prometaphase chromosomes facilitated better identification of these variations with
high resolution. Culturing of free amniocytes was another breakthrough that allowed
the identification of chromosomal abnormalities associated with birth defects. These
classical cytogenetic techniques became mandatory for several clinical conditions and
were adopted by many laboratories as a routine.
When small, independent providers want to
negotiate with multiple health plans, large
insurers exert enormous pressure to stop them.
The statewide trade group for doctors in New
York sued UnitedHealth Group Inc., the nation’s
second-largest health insurer by enrollment, for
allegedly using illegal coercion in just such a
scheme to limit competition.26
In a separate matter UnitedHealth agreed to pay
$400 million to settle multiple suits alleging
price fixing and other anti-competitive