Author: chris

From Chapter: HEALTH INSURANCE MARKET AND THE DEMAND FOR HEALTH INSURANCE
answer the following questions.
1. What is adverse selection? How does its existence affect the market for health insurance? What are some ways insurance companies protect themselves from adverse selection?
2. What is moral hazard and how does it affect the demand for health insurance? What approaches do insurance companies use to control its existence?
3. How will a change in price affect the demand for health insurance? Discuss each of the factors affecting the demand for health insurance. Indicate the effect that each has on demand.
4. What is the difference between “experience” rating and “community” rating? Under which pricing system do insurers have an incentive to engage in preferred risk selection?

UTILITY ETHICS
Background
In the Module 3 Case, we will use the Utility Test to inform our understanding of the Enron case study.
Required Reading
Visit the library, and locate the following article:
Madsen, S., & Vance, C. (2009). Unlearned lessons from the past: An insider’s view of Enron’s downfall.Corporate Governance, 9(2), 216-227. Retrieved from ProQuest.
Optional Resources
The following additional readings may also be helpful to you as you consider the Case:
Chandra, G. (2003). The Enron implosion and its lessons. Journal of Management Research, 3(2), 98-111. Retrieved from ProQuest.
Free, C., Macintosh, N., & Stein, M. (2007). Management controls: The organizational fraud triangle of leadership, culture and control in Enron. Ivey Business Journal Online. Retrieved from ProQuest.
Sims, R. R., & Brinkmann, J. (2003). Enron ethics (or: culture matters more than codes). Journal of Business Ethics, 45(3), 243-256. Retrieved from ProQuest.
Assignment
In a well-written, 4- to 5-page paper, apply the Utility Test to the Enron case study.
Keys to the Assignment
1. Choose an ethical issue raised by the Enron case study – e.g., Enron’s accounting fraud, the company’s reward systems, its use of “special purpose entities,” or Enron’s “deal making” culture.
2. Apply the Utility Test: http://ethicsops.com/UtilityTest.php
3. Be sure that you follow each step of the Utility Test (use a separate section heading for discussion of each step of the test):
A. Introduce the test.
B. Briefly discuss why utility ethics is a valid way of deciding right and wrong.
C. Apply the test
Step 1: Identify the alternative actions that are possible and the persons and groups (the stakeholders) who will be affected by these actions.
Step 2: For each of the most promising alternatives, determine the benefits and costs to each person or group affected.
Step 3: Select the action in the current situation that produces the greatest benefits over costs for all affected.
Step 4: Discuss what would happen if the action were a policy for all similar situations.
D. Draw a conclusion. If the same action is selected in Steps 3 & 4, then the action is an ethical one. If different actions are selected, decide whether the individual action will produce the greatest good and the least harm, for all affected, over the long term.
4. Be sure to use at least two sources from the library to support your discussion and analysis (choose sources that are not included in the Background section of Module 3).
Follow the guidelines in The Student Guide to Writing a High Quality Academic Paper.
You are expected to demonstrate evidence of critical thinking – as defined in the background materials and the grading rubric

This paper is the second of two Technology Reviews that you will research and write for this course. For this paper, you must choose an emerging application of technology which is suitable for future use in systems, hardware, or software which are used to operate or support a critical infrastructure.

The technology review papers will be used to prepare your technology selection paper for the Analysis of Alternatives exercise later in the course. Your audience for these papers is a group of senior executives who will be meeting to decide which emerging technologies or emerging applications of infrastructure technologies should be selected for one or more security-focused, Internal Research & Development projects during the next budget cycle. Each of these executives is responsible for a business area that will (a) develop systems and services which incorporate the emerging technologies or (b) depend upon such systems and services to support their organization’s operation of portions of the identified critical infrastructure.

For this paper, you will perform the first three stages of the technology scan:

Technology scanning is an evaluation model that is used when you need to develop a list of candidate technology solutions. A technology scan can also be used when you need to obtain information about the latest advancements in security products and technologies.

SCOPING

The scoping phase of this technology scan has already been performed. For this paper, your scope is late stage1 and stages 2 through 5 (as shown in the figure below).

Image Source: http://www.atp.nist.gov/eao/gcr02-841/chapt2.htm

Your scope is further restricted to technologies which are used in the computers, digital devices, and other electronic / electrical technologies (this includes networks and network infrastructures) which will be deployed or used in a critical infrastructure. For definitions of critical infrastructures, see https://www.dhs.gov/critical-infrastructure-sectors

SEARCHING

To begin, select a technology which is in the basic research or proof of concept / invention (stage 1 and early stage 2 in the diagram above) and which meets the scoping restriction. You may use news articles, press releases, and government or company Web sites to help you find an appropriate technology. (Remember to cite these sources in your paper.)

Suggested technologies include:

• Autonomous Vehicles (ground, sea, or air): Transportation Systems Sector

• Crypto Currencies: Financial Services Sector (DO NOT CHOOSE Bitcoins)

• Deep Space Communication Networks: Communications Sector

• Implantable Medical Devices: Healthcare and Public Health Sector

• Precision Agriculture (integrated systems using satellite imagery, GPS, Sensors, Robots): Food & Agriculture Sector

• Robot inspectors for physical infrastructures (buildings, roads, railways, pipelines, etc.): Multiple Sectors

• Smart Grid (also called Advanced Metering Infrastructure): Energy Sector (DO NOT CHOOSE Smart Meters)

• Wearable Sensors for Hazardous Materials Detection (e.g. CBRNE): Emergency Services Sector

You are encouraged to look for and investigate additional appropriate technologies before deciding upon your technology choice for this assignment.

If you decide to research a technology that is not on the suggested technologies list (see above), you must first request and receive your instructor’s permission. Your instructor may require that you do preliminary library searches for research papers and technical papers to prove that you can find a sufficient number of resources to complete the assignment.

Survey of the Professional Literature

During your survey of the professional literature, you will identify 10 research papers or technical papers which provide technical information about your selected technology (see selection requirements for each paper). These papers must be dated 2011, 2012, 2013, 2014, or 2015 (five year window).

Allowable sources for research papers / technical papers are: (a) professional journals, (b) conference proceedings, (c) dissertations or theses, and (d) technical magazines (published by either the ACM or IEEE). If an article from one of the above sources does not have a reference list containing at least 3 references you may use it in your review paper but it WILL NOT COUNT towards the “10 research or technical papers” requirement.

The requirement to “survey the professional literature” must be met by using research papers/publications and technical papers which are available from the following UMUC online library databases: ACM Digital Library, Dissertations & Theses (Pro Quest), IEEE Computer Society Digital Library, and Science Direct.

EVALUATING

In this stage, you will evaluate and report upon the information found during your survey of the professional literature. Read the abstract, introduction section, and closing sections for each of the sources identified in your survey of the professional literature. From this information, develop a summary of the technology that includes: (a) a description of technology and (b) planned uses of the technology (products, services, etc.). IMPORTANT: your technology review must incorporate information from each of your 10 “papers” from the professional literature.

Note: You may use other sources in addition to the papers which comprise your survey of the professional literature.

Next, brainstorm the security implications of this technology (if these are not specifically discussed by your sources). You should consider use of the technology to improve cybersecurity and uses which will negatively impact the security posture of an organization or the security of individual consumers or users of the product. It is very important that you consider BOTH SIDES OF THIS ISSUE.

Note: Remember that the security posture of a system or product is framed in terms of risk, threats, vulnerabilities, etc. Improvements to the security posture (positive security implications) will result in reduced risk, increased resistance to threats or attacks, and decreased vulnerability. Negative impacts on the security posture will result in increased risk, decreased resistance to threats / attacks, and increased vulnerability (weakness).

Write down your thoughts and ideas about the security implications of this technology using (a) the Five Pillars of Information Assurance and/or (b) the Five Pillars of Information Security. For your paper, you do not need to include all ten “pillars” but you should address a minimum of three. If you are targeting an “A” on your paper, address at least five of the pillars. (See Technology Review #1 Detailed Project Description for definitions of the pillars and references.)

You should provide specific examples using characteristics and/or applications of the technology, e.g. an emerging nano technology which can be used to tag “genuine” parts with an identification code. Such a technology may be chosen to replace etched serial numbers or bar codes because the new tags will decrease the probability that substitute or non-genuine parts will enter the supply chain undetected. This will, in turn, decrease the risk of substitution which then decreases the probability of loss of availability caused by non-genuine parts. Decreasing the probability of a negative event will decrease the risk associated with that event.

WRITING YOUR EVALUATION

Your paper must provide the reader with an overview of the technology followed by information about the potential security risks and/or benefits of its use (the security posture ).You MUST use information paraphrased from the papers found during your Survey of the Professional Literature (with appropriate in-text citations).

Your Technology Review papers should be at least three pages in length but no more than five pages (excluding the title page and references page).

Your papers must comply with the formatting guidance provided by your instructor. All papers in this course must also comply with APA Style for references and citations.

You are expected to write grammatically correct English in every assignment that you submit for grading. Do not turn in any work without (a) using spell check, (b) using grammar check, (c) verifying that your punctuation is correct and (d) reviewing your work for correct word usage and correctly structured sentences and paragraphs. Together, these items constitute the professionalism category in the assignment grading rubrics (worth 20% of the assignment’s grade).

Grading: Consult the grading rubric for specific content and formatting requirements for this assignment.

APA Formatting: See the resources posted under Content > Course Documents > APA Resources.

This paper need to be related to the story “The Man That Was Used up” by Edgar Allan Poe. I have the primary source and the 10 bibliography for the research paper. Five of the ten bibliography need to be use as the center of the main research paper.

Evidence-Based Practice Summary Brief (Revised)
P: The Population or Patients: (Sample of subjects recruited for the study. What are the characteristics of the patients or people?) (age, gender, ethnicity, certain disorder-please describe thoroughly)
I: The Intervention, Influence, Exposure, Area or Variable of Interest: (What are the interventions or therapies or interest? What are the potentially harmful influences/Exposures of concern? What is the treatment that will be provided to subjects enrolled in the study? What did the researchers do for the patient-specific tests, therapies, medications? )
C: Comparison (you might not have this) (Refers to what was used as a reference group to compare with the treatment intervention-control group vs comparison group)
O: Outcome (What are the outcomes or consequences in which we are interested? What is the goal of the research? What do the researchers wish to gain from doing this research)
T: Time (you might not have this) (The time it takes to demonstrate an outcome, how long participants are observed, duration for data collection)
Background: Briefly tell the story of the issue and why it deserves our attention.
Stakeholders/Change Agents: Who and what organizations are concerned with, will benefit from or be affected by this research? This may include patients, students, agencies, Joint Commission, insurance companies etc.
Apply the Evidence: Since you have been studying this research article all semester please give a few recommendations that you might have thought of for future research on this topic.
Answer each section in complete sentences.
Example 1:
Question: ‘In men, does having a vasectomy (compared to not having one) increase the risk of getting testicular cancer in the future?’
P= Population/patient = adult males
I= Intervention/indicator = vasectomy
C= Comparator/control = no vasectomy
O= Outcome = testicular cancer
Example 2:
Is St. John’s wort (hypericum) as effective as antidepressants for treatment of adults with depression? (These study participants were followed for 6 months)
P = adults with depression
I = St. John’s wort
C = antidepressants
O = relief of symptoms
T = six months
Example 3:
For patients receiving chemotherapy and experiencing moderate nausea and vomiting, is taking ginger as effective as prochlorperazine (antiemetic) in reducing these symptoms?
P= patients receiving chemotherapy and experiencing moderate nausea and vomiting
I= ginger
C= effective as prochlorperazine
O= in reducing nausea and vomiting

In this assignment, you will analyze two different multicultural scenarios by defining and identifying key components of the worldviews and communication styles taking place in them. You can find Scenarios 1 and 2 in the Scenarios for Week 3 document available in Books and Resources.
Write a paper that addresses the following questions from each scenario: Times New SIZE 12 Double Spaced- APA FORMATTING
Scenario 1:
Analyze the school testing scenario. In your analysis, be sure to address the following:
• Which of the four standards of equivalence in test materials may have been violated in this scenario? Do you think the results of this test would be valid and appropriate for use in school placement for this child?
• Both parties in this scenario were Americans. Tell how other issues such as race, gender, and status influenced their worldviews. How would you describe each person involved in terms of Kluckhorn’s “Three dimensions of humanity”?
• Was this a high stakes test, and if so for whom?
• Analyze the typical hierarchical cultural relationships in the relationship between the tester and the student, initially, and how these changed during the course of the interview.
Scenario 2:
Analyze the social meeting scenario using these criteria:
• Analyze this scenario from an eticis and emic point of view.
• Explain how the behaviors of the individuals involved (formal vs. informal) may have reflected deeper values and worldviews.
• How did the nonverbal aspects of language lead to misunderstandings in this example?
• Analyze the communication that occurred during this scenario, both before and after the younger woman learned the foreign language, in terms of proxemics, kinesics, paralanguage, and high and low context communication factors.
Scenario 3:
Provide a third example, a scenario from your own experience, television, or a movie regarding an intercultural interaction. Your analysis should be based on the principles and concepts in the text and in the culture module. (Remember that you are neither expected nor encouraged to reveal personal information).

The initiation of medicare part D (prescription benefit) was the result of many elderly not being able to afford their prescriptions and being admitted to hospitals for preventable conditions. As many retirees have lost their retirement savings because of the economic downturn it is likely that they would be event more challenged to pay for their prescriptions now.
How would you address low income retirees who cannot afford their medications? Or is it an issue of personal responsibility and they should have access to products that they can pay for?

Analyze a news article which discusses special interest groups. Consider issues such as education (schools affiliated with religious groups or with ethnicity), health, access to services, etc. How are the needs of this group presented, challenged, supported or dismissed?

write a case that should be based on an unethical behavior that the student has observed in a healthcare environment or by a healthcare professional.
Use the appropriate references from an appropriate websites.
Give a link for me to access to those references because i need to print hard copies of those references.

1. Read “Writing your Philosophy of Education” in the Conten folder.

2. Go to the following websites to read sample philosophies of education:
http://oregonstate.edu/instruct/ed416/sample.html
http://www2.sfasu.edu/cte/Michelle_Files/HMS_300_Web_Content/PhilosophyofEducation.pdf

3. Finally, write your Philosophy of Education. Your philosophy should be 4-6 paragragraphs. Be sure to include your views on (each bullet should be a seperate paragraph):
the purpose of education
the role of the student in education
the role of the teacher in education
the role of the teacher in the community