Wednesday, January 29, 2020

Philippines Economic Growth Essay Example for Free

Philippines Economic Growth Essay The Philippines has a representative democracy modeled on United States system of government. Its republic type of government has also a presidential system of government with bicameral legislature and an independent judiciary wherein the president is limited to six years of terms. Whenever there are troubles experienced within the government of the Philippines, leaders tends to seek help and often times united States always offers help and assistance to the Philippines. Although historically speaking, they were once the conquerors of the Philippines. Both government are being attcked by terrorist which opposes the kind of leaders and leadership in the country.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Philippines is considered as one newly industrialized country located in South east Asia. It is also the fastest growing economy in Southeast Asia posting a GDP growth rate of 7.5% in 2007s second quarter. (Hookway, 2007.p.A1). As compared to the United States the GDP of the Philippines is really far from US GDP rate of 88% over the past decades and until the present. United States is really a great country and is considered to be where the worlds largest gross domestic product rate is.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   GDP per capita of the Philippines is estimated to be $5,700 in 2007 which is far behind the GDP per capita of the United States which is estimated $44,000 for this year.( US treasury Dept. 2007)   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Unemployment rates in the Philippines is 7.9% while US is just half of it at 4.4%. This reflects how hardworking the Americans as compare to Filipinos who merely wants a simple life and simple way of living. Inflation rates in the Philippines is 2.3% which makes the economy more hopeful in the present statistics. The national government debt as a percentage of GDP rates in the Philippines is as high as $316.65 billion or 69.9% of GDP while United States only has $19billion or 0.16% of GDP. (wikipedia)   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The level of technological development in the Philippines is not also as greater than in the United states. The Philippines is attracted to Japan made products and China influenced imitation of much lower quality technologies as compared to hight technological quality provided in the United States. This is one great disappointment regarding consumer decision making bf Filipinos who tends to buy more goods and commodities at a cheaper price but not of high quality. They tend to overlook the specifications of   a certain of product because of high costs.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The level of infrastructural development in the Philippines is not really that far, because the country is taking its phase in cities where rises of buildings and commercial establishments are rampant. There are certain issues concerning how this infrastructures will be built because tax in the Philippines is really high thats why investors sometimes thinks twice of getting involved in dealing   businesses in the country.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The high cost of materials, manpower and cost of permit is sometimes unfair on the part of investor. It becomes a gamble investing on a place where you will think twice if it will really profit once its already made and set up there. While infrastructural developments in the United States can be considerably good because in cities like New York where it is known to as the city that never sleeps, one business establishment will really profit because people keeps on going and going all day and night long.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Socioeconomic indicators that greatly affects the statistics of a certain country such as education, access to health care, clean water, etc. is also considered as one great factor in a progressive nation.   For a country like Philippines, educational system can be considered competitive enough because it produces competent and skilled professionals nowadays. As far as United States education is concern because of course reality speaks that American Student are really ahead in terms of quality of education. Going back to History, American are also known as Thomasites which brought up high standards of education in the Philippines. Brain Drain is one common problem in the Philippines, after years of studying where Filipinos receive of high quality education, they goes out of the country and work for a higher salary. The tendency is the economy of such country raises and the downfall of professional statistics in the Philippines is experienced. They prefer to use the knowledge theyve learned from their own country as a stepping stone to more opportunities abroad. Health Problems and medical assistance is also a factor in a countrys economic growth for Filipinos who lives in a country with   more illness there is a bigger tendency not to perform well in school for students who are still studying and for employees who works hard int heir professions. The more persuasive you are working, the more tendency of being sick is. The sad part is that there are some instances that medical assistance is far at hand like in cases that we still need to ask help from other countries like the United States which is more medically advanced and this also results a deduction in our statistics because we need to pay for those medicines and medical experts from foreign countries. Abusing the environment is also one reason why people tends to suffer economically. Improper use of natural resources and pollution is one great threat on the Philippines Economic growth.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   At present, there are many Foreign investors who wants to take risk and be involved in having business with the Philippines and this also provides greater opportunity on the countries statistics because it paves way for a more chance of paying debts and increase employment rates to Filipinos.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Talking about change, we really dont need to compete with any other countries, we can content our economic needs by providing what it needs and at the same time going about business in supporting services and exports that have brought in much needed foreign exchange and help raising our economic status at its best. Great rates and percentage economically comes from people who strives hard and decides best in doing businesses and witty decision making. References   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Hookway, James. (2007). Wall Street Journal p. A1   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     United States Department of Treasury 2007   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   www.wikipedia.org

Monday, January 20, 2020

Protagonists Essay -- English Literature Essays

Protagonists The protagonists in â€Å"The Yellow Wallpaper†, â€Å"The Storm†, and â€Å"Eveline† all seem to have similarities in their character. They are all women that have lived in an era in which women are seen as nothing. This woman had no identity in this world because they were told what to do by men. Human nature is also another important element that these women have in common. Calixta from â€Å"The Storm† is a married woman with a family. She is living in a time period in which woman have no control in what goes on in their life. The husband handles everything and she does the housework and childbearing. Te other two women in the novels seem to be in the same situation. Throughout the novel there seems to be a lot of sexuality and passion as another man enters the picture. This man is an old boyfriend who comes to take shelter from â€Å"The Storm†. Calixta and Alcee rediscover the passion there is between them. â€Å"Alcee’s arm encircled her, and for an instant he drew her close and spasmodically to him† (362). While the storm is going on outside the passion inside the house is also storming between Calixta and Alcee. In â€Å"The Yellow Wallpaper† the protagonists is also dealing with the issues of control with her husband. She is also living in the same era as Calixta where she is told what to do. This poor woman seems to have been pushed in to the state of mind that she is currently in because of her husband. She basically was living in a prison with watch guards at her side. She ...

Sunday, January 12, 2020

Endometritis

Postpartum Endometritis Evidence Based Paper March 13, 2012 Endometritis is the inflammation or irritation of the uterus, which is a common post partum complication that occurs in more than 15% of all pregnancies and is currently the leading cause of maternal mortality (Scott & Hasik, 2001). When endometritis is not related to pregnancy, it is referred to as pelvic inflammatory disease (PID).The Centers for Disease Control and Prevention (CDC) 2010 sexually transmitted diseases treatment guideline defines PID as any combination of endometritis, salpingitis, tubo-ovarian abscess, and pelvic peritonitis. From a pathologic perspective, endometritis can be classified as acute versus chronic. Acute endometritis is distinguished by the presence of neutrophils within the endometrial glands. Chronic endometritis is characterized by the presence of plasma cells and lymphocytes within the endometrial stroma.Chronic endometritis in the postpartum or post abortion patient is usually associat ed with retained products of conception after delivery or abortion. In the nonobstetric population, chronic endometritis has been associated with infections such as chlamydia, tuberculosis, bacterial vaginosis, and the presence of intrauterine devices (Rivlin, 2011). Early-onset postpartum endometritis occurs within two days of delivery, and the late-onset of the disease can occur up to six weeks postpartum.This condition will usually start as a local infection at the placental attachment site and if left untreated, can spread to the entire uterine endometrium (French & Smaill, 2004). There are numerous risks associated with this condition, and diagnosis relies heavily on the clinical judgment of the practitioner. The contamination of the uterine cavity with vaginal organisms during labor and delivery causes the disease. Both bacterial and viral infections may initiate endometritis and many of the agents that cause the infection are naturally present in the vagina.This condition arises commonly after delivery because delivery results in tears, rips or incisions in the vagina, cervix or uterus that allow these agents to enter the uterine lining. The infection can have several species of causative agents that can be aerobic or anaerobic flora (French & Smaill, 2004). The method of delivery will determine which causative agents prognosticate the possibility of endometritis. For vaginal deliveries, the presence of the organisms associated with bacterial vaginosis or genital cultures positive for aerobic gram-negative organisms can indicate endometritis.In cesarean births, the occurrence of certain bacteria such as group A hemolytic streptococci, staphylococci B, Neisseria gonorrhoeae, or Mycoplasma hominis in amniotic fluid cultures will put the patient at an increased risk for this infection (French & Smaill, 2004). With the increasing number of people opting for natural birth methods, including water births, the danger only multiplies. This is becaus e disinfecting procedures as they are carried out before major surgery is usually not practiced in a home environment.Prompt treatment is essential to prevent the spread of the infection through other areas of the body, including the blood. Prolonged infection can be fatal. The immediate postpartum period following birth is a time of increased risk for all women for infection. Microorganisms entering the reproductive tract and migrating into the blood and other parts of the body could result in life threatening septicemia (French & Smaill, 2004). Timely diagnosis and aggressive treatment is essential to prevent these complications.Complications of endometritis include infertility, extension of infection to involve the peritoneal cavity with peritonitis, intra-abdominal abscess, and septic pelvic thrombophelbitis. Septic pelvic thrombophelbitis is a condition in which blood clots in one of the pelvic vessels become infected. If untreated it could progress to septic pulmonary embo li, in which the infected blood clots travel to the lungs and lead to death (French & Smaill, 2004).Septic shock is a life-threatening systemic infection usually caused by bacteria and on rare occasions follows postpartum endometritis. The bacteria that invade the bloodstream release a substance known as endotoxin, which causes decreased blood pressure, clot formation, major tissue injury, and leakage of fluids. Accordingly, organs may fail because they are not receiving enough blood and nutrients. Fortunately, this condition during pregnancy or in the postpartum period is a rare clinical event (Mazzeffi and Chen, 2010).Major risk factors for obstetric endometritis include the following: Cesarean delivery (especially if before 28 weeks' gestation), rupture of membranes lasting more than 24 hours, excessively long labors, severely meconium-stained amniotic fluid, manual placental removal, and extremes of patient age. Other threatening factors have been identified in additional st udies, including no prior cesarean delivery, preterm or postterm gestation, low infant Apgar scores, antepartum infections, preeclampsia, amnioinfusion, postpartum anemia, the presence of internal monitors, and steroid medications (Olsen, Butler, Willers ;amp; Gilad, 2010).Acute endometritis is typified by the existence of neutrophil cells in the endometrium. Neutrophils are white blood cells with cytoplasmic granules that consume harmful bacteria, fungi, and other foreign materials. Characteristic symptoms of endometritis include abdominal distention or swelling, abnormal vaginal bleeding, abnormal vaginal discharge, fever (100 to 104 degrees Fahrenheit), general discomfort, uneasiness, or ill feeling (malaise), and lower abdominal or pelvic pain (uterine pain). Anemia occurs when a patient’s red blood cell count is lower than 4. -6. 0 million red blood cells per micro liter of blood. Losing large amounts of blood during delivery or prior to delivery may be a contributing fa ctor for a low red blood count, anemia and potentially endometritis. Red blood counts (RBC) are needed to indicate anemia and the sedimentation rate (ESR). The sedimentation rate measures the rate at which red blood cells sediment in a period of 1 hour. It is a common hematology test that is a non-specific measure of inflammation, which is evident in endometritis.The diagnosis of postpartum endometritis is based on the presence of fever in the absence of any other cause. Uterine tenderness, purulent or foul-smelling lochia and leukocytosis are common clinical findings used to support the diagnosis of endometritis. Leukocytosis is a raised white blood cell count (the leukocyte count) above the normal range in the blood. The standard definition for puerperal fever used for reporting rates of puerperal morbidity is an oral temperature of 100. 4 degrees centigrade or more on any two of the first ten days postpartum or 101. degrees or higher during the first 24 hours postpartum (French ; amp; Smaill, 2004). Additionally, when the above symptoms occur, urinalysis and urine culture may be done. However, endometrial cultures are rarely indicated because specimens collected through the cervix are usually contaminated by vaginal and cervical flora. A sterile technique with a speculum is used to avoid vaginal contamination, and the sample is sent for aerobic and anaerobic cultures. If fever persists for 48 hours (Some clinicians use a 72-hour cutoff) after endometritis is adequately treated, ther causes such as pelvic abscess and pelvic thrombophlebitis should be considered. Abdominal and pelvic imaging, usually done by CT, is sensitive for abscess but detects pelvic thrombophlebitis only if the clots are large. If the results of the imaging are negative, a trial of heparin is typically begun to treat presumed pelvic thrombophlebitis as a diagnosis of exclusion (Moldenhauer, 2008). Before the advent of the antibiotic era, puerperal fever was an important cause of maternal death.With the use of antibiotics, a sharp decrease in maternal acute postpartum infections has been observed, and it is now accepted that antibiotic treatment for postpartum endometritis is warranted. Intravenous broad-spectrum therapy (cephalsporins, penicillins, or clindamycin and genatmicin) is appropriate for the treatment of endometritis. Regimens with activity against penicillin-resistant anaerobic bacteria are better than those without. There is no evidence that any one regimen is associated with fewer side effects.Once uncomplicated, endometritis has clinically improved with intravenous therapy, and oral therapy is not needed (French, 2003). Furthermore, it is essential that the patient receive supportive care including hydration, rest and pain relief. Antibiotics should be discontinued 24 hours after the patient is asymptomatic. Assessments should be taken of the lochia, vital signs, and changes in the women’s condition continue during treatment (Perry, Hockenberry ;amp; Lowdermilk, 2010). Treatment is usually considered successful after the woman is afebrile for 24 to 48 hours.If the initial antibiotic regimen does not result in resolution of fever and other symptoms within three days, the antibiotic regimen is usually changed. Consideration is also given to the possibility that the woman may have complications requiring specific treatment. The most effective treatment and least expensive treatment of postpartum infection is prevention. Preventative measures include good prenatal nutrition to control anemia and intrapartal hemorrhage. Good maternal perineal hygiene with through hand hygiene is emphasized.Strict adherence to aseptic techniques by all healthcare professionals during childbirth and the postpartum period is very important (Perry, Hockenberry ;amp; Lowdermilk, 2010). Endometritis is usually caused, in the postpartum scenario, because of a deficient care taken to avoid streptococcus and staphylococcus infections in the delivery ar ea. These two bacteria are present on every inch of our skin, and considering that delivery is the one time when the mother's insides are most exposed, precautionary measures to maintain a sterile environment in the delivery or birthing room should be taken.The benefit of antibiotic therapy for laboring women has been unquestionably established. Intravaginal metronidazole as surgical preparation and oral methylergometrine after delivery are two interventions that show promise as additional prophylactic interventions (French, 2003). Having a baby by Caesarean section is becoming increasingly common, despite the higher risks associated with the surgery compared to a vaginal birth. One important concern is the risk of infection, which is between five and 20 times greater for women who undergo scheduled or emergency Caesarean section.According to the Cochrane Review, â€Å"the single most important risk factor for postpartum maternal infection is Caesarean section. † The review f urther cited that antibiotics to women undergoing Caesarean section reduced the incidence of fever by 45 percent, wound infection by 39 percent, inflammation of the uterine lining by 38 percent and serious infectious complications for the mother by 31 percent (Nelson, 2010). This approach can significantly lower the risk of endometritis, particularly in women having surgery after extended labor and ruptured membranes.To prevent future infection, most doctors prescribe Cefazolin, which is administered intravenously immediately after the baby's umbilical cord is clamped. If you are at high risk, a second dose may be given eight hours later (French ;amp; Smaill, 2004). The overall goal for the postpartum client with endometritis is, â€Å"The patient will be free from infection. † Nursing management and general interventions of the patient would include the collection of vaginal and blood cultures, education on handy hygiene, the administration IV antibiotics and analgesics as p rescribed.Non-pharmacological interventions include distraction, imagery, relaxation, and application of hot and cold. Non-pharmacological interventions can restore the client’s sense of self-control, personal efficacy, and active participation in her care. It is essential that the information and method of delivery of information be tailored to the specific client and family (French ;amp; Smaill, 2004). Secondary to free from infection, an accurate nursing care plan for a postpartum patient with an with endometritis would include: 1.The patient will follow a specific, mutually agreed upon, healthcare maintenance plan. (The nurse should assume that first-time mothers lack sufficient knowledge regarding condition and treatment diagnosis, and therefore, needs education and specific instructions during the postpartum recovery period). If a mother has given birth to more than one child a review of proper heath care regimens is also justifiable. The new mother should receive instr uction pertaining to hygienic care for her perineal area. This care would include changing her perineal pad frequently and washing her hands afterwards.The presence of a wet pad against sutures is an excellent medium for the development of an infection that could potentially spread to the uterus. The use tampons should be prohibited for six weeks after delivery, since tampon use can cause infection or even toxic shock syndrome. It is the nurse’s responsibility to promote adequate rest and encourage a generous intake of nutrients and fluids. The patient will report that pain management regimens achieves comfort function goal without adverse effects (Ackley ;amp; Ladwig, 2011).The nurse should administer comfort measures to ease pain and teach the patient proper understanding of the condition as well as taking measures to correct the complications of endometritis (Perry, Hockenberry ;amp; Lowdermilk, 2010). 2. The patient will maintain oral temperature within adaptive levels (l ess than 100. 4 degrees). Evaluate the woman's temperature at the end of the first hour postpartum and then every four hours for the first 22 hours postpartum. Clients with endometritis typically have a fever, chills, general malaise, and may exhibit tachycardia.Oral temperature measurement provides a more accurate temperature than tympanic measurement, auxiliary, or use of a chemical dot thermometer. Use the same site and method device for temperature measurement for a given client so that temperature trends are assessed accurately (Ackley & Ladwig, 2011). 3. The patient will report that pain management regimens achieves comfort function goal without adverse effects (Ackley & Ladwig, 2011). The importance of prompt reporting of unrelieved pain is the patient’s responsibility.An important step toward improved control of pain is a better client understanding of the nature of pain, its treatment, and the role the client needs to play in pain control (Ackley & Ladwig , 2011). Despite the normalcy of childbirth, complications may arise that will have detrimental effects on the postpartum client. These include postpartum hemorrhage, thrombophlebitis, and infections such as endometritis. Healthcare providers working with postpartum clients must have a clear understanding of these complications, including the symptoms, nursing interventions, and treatment.A cognizant nurse would carefully review the results of laboratory tests for signs of anemia, infection, and electrolyte imbalance. Blood cultures to identify the causative agents of potential infections are typically done, and white blood cell (WBC) counts are monitored. However, it is important to remember that the white blood cell count is normally elevated after delivery for a short period; continued monitoring of the WBC count is required in identifying endometritis (French, L. , & Smaill, F. M, 2004).Nearly 90% of women treated with an approved regimen note improvement in 48-72 hours. Del ay in initiation of antibiotic therapy can result in systemic toxicity. Endometritis is associated with increased maternal mortality due to septic shock. However, mortality is rare in the United States because of aggressive antimicrobial management. Most cases of endometritis, including those following cesarean delivery, should be treated in an inpatient setting. For mild cases following vaginal delivery, oral antibiotics in an outpatient setting may be adequate (French, L. & Smaill, F. M, 2004). References Ackley, B. J. , & Ladwig, G. B. (2011). Nursing diagnosis handbook: An evidence-based guide to planning care. (9th ed. , pp. 47,426-429,446-449,600-604). St. Louis, Missouri: Mosby Elsevier. French, L. (2003). Prevention and treatment of postpartum endometritis. Current Women’s Health Reports, 3(4), 274-279. Retrieved from http://www. ncbi. nlm. nih. gov/pubmed/12844449 French, L. , & Smaill, F. M. (2004). Antibiotic regimens for endometritis after delivery. Co chrane Database of Systematic Reviews, Retrieved from http://www. rw. interscience. wiley. com/Cochrane/clsysrev /articles/CD001067/frame. html Mazzeffi, M. A. (2010). Severe postpartum sepsis with prolonged myocardial dysfunction: A case report by michael a. mazzeffi and katherine t. chen. Journal of Medical Case Reports, (4), 318. Retrieved from http://www. jmedicalcasereports. com/content/4/1/318 Moldenhauer, J. S. (2008, November). Puerperal endometritis. Retrieved from http://www. merckmanuals. com/professional/gynecology_and_obstetrics/postpartum_care_and_associated_disorders/puerperal_endometritis. tml Nelson, C. B. (2010, January 22). Routine antibiotic use reduces mothers’ infection risk from c- section. Health Behavior News Service. Retrieved from http://www. physorg. com/news183387263. html Olsen, M. A. , Butler, A. M. , Willers, D. M. , & Gilad, A. G. (2010). Risk factors for endometritis after low transverse cesarean delivery. Infection Control and Hospital E pidemiology, 31(1), 69-77. Retrieved from http://www. jstor. org. proxy. li. suu. edu:2048/stable/10. 1086/649018 Perry, S. E. , Hockenberry, M. J. & Lowdermilk, D. L. (2010). Maternal child nursing care. (4th ed. , pp. 586-587). Maryland Heights, MO: Mosby. Pillitteri, A. (1999) Maternal & Child Health Nursing, (3rd ed. pp. 789-792). Philadelphia: PA: Lippincott. Rivlin, M. E. (2011, June 14) Endometritis. Retrieved from http://emedicine. medscape. com/article/254169-overview Scott, L. D. , & Hasik, K. J. (2001). The similarities and differences of endometritis and pelvic inflammatory disease. Journal of Obstetric, Gynecologic, & Neonatal Nursing, 30(3), 332-41.

Saturday, January 4, 2020

Human Resource Functions Of The Human Resources Department

Do you remember when you first decided to start a small business. The vision was clear and the excitement drove us from imagination to plan to reality. But, before we knew it, we went from happily wading in the waters of our areas of expertise into the deep and sometimes turbulent waves of the unknown; Human Resources. Human Resource functions include: Payroll, Employment Tax, Recruitment, Hiring, Employee Relations, Termination, Regulatory Compliance and Training to name a few. Each of these functions demanded specific skill sets and experience. They also began to expend valuable time and resources. The reality is that when reviewing a successful business plan there are two major areas to consider; Revenue streams and cost centers.†¦show more content†¦It is definitely money well spent. Be wary of firms that will provide you with free audits since you usually get what you pay for. The audit results should tell you exactly where you stand and specifically provide a HR roadmap to get and keep you on track. Next, ask the most important question: Do YOU have the expertise, time and interest to actually focus on those areas and do them well? Finally, consider the risks and rewards of alternative Human Resource solutions. After twenty five years of providing human resource solutions to hundreds of companies from small start ups to fortune 100 companies, my advice to many of those firms, especially small and start up businesses is to maximize their resources by at least partially outsourcing Human Resources. By outsourcing HR, companies get to focus on what they do best and avoid the hassles and dangers of managing potentially high risk areas. Remember, as an entrepreneur you want to maximize productivity, increase revenue and control costs. Outsourcing Human Resources and other administrative tasks allow management and staff to focus on core business functions. Most importantly, companies receive high end HR services for less than the cost of an administrative staff position. MINIMIZING RISK A critical component of any small business plan is minimizing risk. When reviewing potential Risk Management issues consider this; Regulatory Non-compliance and Discriminatory practices make up the majority