Does flexibility in location and time affect behavior towards work Research Paper

Does flexibility in location and time affect behavior towards work - Research Paper Example The researcher clearly identifies the research problem before working on the research. He clearly states the problem and links the problem to the current way of doing things. In the title, â€Å"New ways of working: does flexibility in time and location of work change work behavior and affect business outcomes?† the researcher has here clearly indicated, using this title, that he intends to identify, if any, how flexibility in time and location of work changes the work behavior and affect business outcomes. Further, in the abstract, the researcher explains what he means by business outcomes, where he identifies business outcomes to be the productivity of a business. It is important to note that his identification of what business outcomes means breaks would be ambiguity in the statement and makes it easier for the reader to follow on the purpose of the research. Therefore, the question that lingers is whether it is easy to determine what the researcher intends research? Yes it is. The researcher intends to find out how the â€Å"New Ways of Working† which bring about the flexibility in the time and location of work affects the productivity of a business and the impacts it has on the work behavior. (Strauss, Kochan, & Ichnowiski, 2000) Literature Review The author has not literature review section, which in my view weakens the credibility of the research. Having literature review works to give legitimacy to what one is studying and connects it to previously done works. Such a connection would enable readers of the research document to figure out what previous researchers have suggested in their findings regarding a similar topic or a related one. With nothing to compare the research with or to derive scientific knowledge from this puts dents on the findings of this research because of the lack of a benchmark. That having been said, the researcher tried to use others findings in his references and in text citations e.g. â€Å"The Telework Trendlines 2009 [7] reported that the number of U.S. employees who worked remotely at least one day per month increased 39% in two years from approximately 12.4 million in 2006 to 17.2 million in 2008.† Though this is worth mentioning, it cannot be used to replace the literature review sectio n (Merle, Schelvis, Groenesteijn, & Vink, 2012). Objective and hypothesis When it comes to the identification of the objectives and the hypotheses of the research, the researcher did a good job since it is very clear from the beginning what the research intends to achieve. The research question is â€Å"does flexibility in time and location of work change work behavior and affect business outcomes?† which is clear in the tile of the research and severally repeated throughout the research document. The hypothesis of the research has not been clearly stated though was indirectly alluded. â€Å"Expectations of these measures are often high, such as a reduction in operating costs and an increase of productivity.† Here the researcher is trying to give the general expectations of the research though he is not clearly stating what the hypothesis is. Ordinarily, the researcher would be expected to identify the research hypothesis

Reflective Article Review Log Assignment Example | Topics and Well Written Essays - 2000 words

Reflective Article Review Log - Assignment Example The new demands of the learning environment can only be met if the instructional methods remain dynamic and provide a comprehensive understanding of the learning needs. By identifying the various changes in the learning environment, the authors lay a ground for launching a new strategy for meeting the learners’ demands. The article relies on empirical studies to identify the various learning needs of a diverse school population. The article summarizes the findings of hundreds of empirical studies to identify five common needs of a learner. Ming and Dukes (2010) identify phonemic awareness, phonics, fluency, vocabulary and comprehension as the key elements of a comprehensive lesson that can help children to become proficient readers. Phonemic awareness is defined as the ability to auditorily identify and manipulate individual sounds in words. On the other hand, phonics is the ability of the learner to identify the letters within a word. The two helps a learner to have a flow of the language what the authors term as fluency of the language. Next, the learners can learn how to use vocabulary which refers to the language words that add taste to the language. The last and the most important step is for the learner to comprehend the meaning of the language which is essential for a complete learning proce ss. The article provides a basis which instructors can perform a close analysis of the lessons and evaluate the dimensions that they omit in their lessons. Through a scientific approach, Ming and Dukes (2010) develops a strategy through which an instructor can develop incorporate the â€Å"big five† dimension in a diverse learning environment. The article emphasizes the need for preplanning stage in developing a comprehensive lesson plan. It is a stage that the instructor lays down the objectives the lesson and the various learners’ outcomes that he must attain at the end of their teaching. Next, the article

Prejudice In Organizations Essay Example for Free

Prejudice In Organizations Essay ?Question 2: Prejudice can be hurtful and destructive discuss how you can personally reduce prejudice in your workplace please provide an example. Prejudice can be described as a word which is derived from the Latin word Prae Judicium meaning ‘to try in advance’ (Clawson et al: 1990). Prejudice happens when we pre-judge individuals on first encounter about their character or appeal. Most individuals who are prejudiced are usually rigid in their prejudices and their beliefs are unsubstantiated. Prejudice can create serious tension in an organization because it has the potential to strain interpersonal relationships in a workplace. People can practice prejudices in various forms. Some of the areas of potential prejudice could be gender, race, age, religion, sexual orientation, ethnicity and physical disabilities. Prejudices can be systematically dealt with in the workplace. I work for one of the United Nations (UN) agencies. The UN has noted and is mindful of potential prejudices that can exist in the workplace, especially that the workplace is made up of employees from various countries, backgrounds, ethnic groupings, varying religious beliefs (including atheists), sexual orientation, races and as an organization, The organisation has a very diverse workforce. This diversity has not been ignored. The UN has taken deliberate steps to introduce workplace policies that encourage tolerance amongst employees and in turn, tolerance in the communities in which we serve. The policies are part of the orientation package for every new employee who joins the UN. There are Executive Directives (EXDs) that are issued and reviewed on an ongoing basis. In the current directive, disagreement between a staff member and supervisor is not considered as prejudice. The policies are clear on the definition of prejudices and also on the consequences of perpetuating the vice. If I were to be found in a work environment where prejudices are rife, I would first of all admit that prejudices are real and we all have some form of prejudices. The first step to deal with a problem is to admit that you have one. You can only begin to work on one’s prejudices once they realize they have them, and they can begin to work more carefully with the prejudices of others without anger and force (Clawson et al: 1990). It’s a realization that we all have them that helps us to deal with them. Members of staff in an organization, must be allowed to deal with perceived prejudices. It is not advisable to pretend that the problem does not exist as it becomes difficult to deal with a hidden or unperceived problem. Once the problem has been identified, then comes the process of working on your own as well as the prejudices of others in the organisation. This can be achieved through redirecting prejudiced statements by colleagues towards functional discrimination e. g. instead of lamenting how a workmate or subordinate is not achieving her objectives because she is a woman, this can be countered by a statement that shows how previously, a male colleague had also failed in a similar position to show that, gender has nothing to do with functioning in a position. For prejudices which are merely based on ignorance like â€Å"all Muslims are terrorists†, it would be helpful to team up Muslim staff members and some of the staff members who are holding on to this kind of prejudice. That way, it allows them to interact at a personal level and get the truth about Islam. If this doesn’t work, then interactions between such colleagues should either be kept to the minimum or topics of discussion should stir away from sensitive issues. I would also learn to listen to others with an open mind, not listening with an intention to respond as this is likely to attract judgmental behaviour. In a multi ethnic organisation, learning about the cultures of other countries helps us be more tolerant. People are more likely to react in a certain way because of the environments they have been brought up in. Prejudices will always exist in organisations, it would therefore helpful to encourage tolerance among employees, this can be achieved through deliberate company policy, sensitisation and clear consequences for behaviour promotes prejudice.

The Ultimate Tragic Hero King Lear English Literature Essay

The Ultimate Tragic Hero King Lear English Literature Essay King Lear, one of William Shakespeares greatest tragedies, depicts a society in grim circumstances. As with all tragedies, there exists a tragic hero  [1]  , one who possesses a fatal flaw that initiates the tragedy and all the sufferings that follow. In this play, the tragic hero is undoubtedly the title character, King Lear. The plot is driven by the power and consequence of losses, more specifically, the losses of Lear. In the course the play, King Lear, because of his flaws, loses his authority as a king, his identity as a father, and his sanity as a man. One loss builds on another, but moreover, his greatest loss, and what distinguishes this tragedy from all others, is his chance of redemption. Unlike other tragedies, there is no salvation for the tragic hero or any sign of optimism in the conclusion. This bleak portrayal of King Lear, through his losses, makes him the ultimate tragic hero, and the play an ultimate tragedy. The play begins with King Lears decision to divide his kingdom among his three daughters. This is the first sign of Lears loss the loss of authority. Wanting to abandon his responsibilities before his time, Lear claims, tis our fast intent / To shake all cares and business from our age, / Conferring them on younger strengths while we / Unburdened crawl toward death (I.i.38-41). It can be argued that his flaw is in his decision to prematurely abdicate the throne, going against nature. However, it is more crucial to realize that his major flaw is actually in his character, shown through his judgment in renouncing his power. Lear carries immense insecurity and egotism as he announces that he will offer the largest share of kingdom to the daughter who professes the greatest love for him. Goneril and Regan both proclaim in fulsome terms that they love him more than anything in the world, while Cordelia speaks from her heart in honest terms that she loves him exactly as a daughter should love her father. Valuing self-importance above all else, Lear is blind to the loyalty and love of Cordelia and instead, perceptive to the flattery of his two vile daughters. Furthermore, Lear is infuriated when Kent objects and protests to his decision: Thy youngest daughter does not love thee least, / Nor are those emptyhearted whose low sounds / Reverb no hollowness (I.i.153-155). This fatal flaw of insecurity and egotism induces Lear to make error in his judgment, resulting in the improper division of his kingdom and the loss of his two most loyal companions Cordelia and Kent. The consequences of this error build up throughout the play, leading to Lears ultimate tragic fall. Lears lost royal authority now transfers to his two daughters, Goneril and Regan, and they deceitfully use this power against him. Ironically, Lear also falls in status, to a level inferior to that of his own children. Goneril no longer loves him beyond all manner and Regan no longer is an enemy to all other joys as they have professed in the beginning (I.i. 61, 73). Instead, Goneril reprimands his father for the way his servants and knights have infected her home (I.iv.237). Regan follows suit, and insist that The old man and his people/ Cannot be well bestowed (II.iv.258). His daughters no longer even respect him. Lear has now lost his identity as a father, since he even confesses that [He] should be false persuaded / [He] had daughters (I.iv.227-228). Troubled and confused, Lear reveals his weakened sense of identity when asking Who is it that can tell me who I am (I.iv.224). Stripped of authority as king, Lear has now also lost authority as a father over his own flesh and blood. King Lears banishment from his daughters undoubtedly has tremendous psychological effect on him. He not only loses youth as he crawl toward death, but also loses sanity as his heartà ¢Ã¢â€š ¬Ã‚ ¦break into a hundred thousand flaws and heà ¢Ã¢â€š ¬Ã‚ ¦go mad (I.i.41, II.iv.284-286). With so much suffering already thrown upon Lear due to his tragic flaw, it seems that Shakespeare has now shown pity and decided to set the stage for a reversal of fate. Losing sanity has given King Lear the opportunity to discover the truth and the core of humanity. With disapproval of Regan and Goneril, Lear heads outside, where a wild storm takes place. In this time of chaos, Lear meets Edgar as Poor Tom and gains profound revelation of man and life. Seeing Poor Tom bare, at humans most natural state, Lear questions, Is man no more than this? and realizes that the unaccomodated man is no more but such a poor, bare, forked animal as thou art (III.iv.103-104, 107-109). He continues with disrobing himsel f, and at the same time, removing himself from any social constraints. It is at the extreme low point that Lear strips of his rationality and relies on his inner instincts to fully grasp his identity and regain his humanity. He now understands the deep love of Cordelia and the disguise employed by his other daughters. The real King Lear finally emerges. Although Shakespeare creates this turning point for Lear, he is actually paving the way for a greater tragedy. Lear loses everything he has authority, family, and sanity, but now he faces his greatest loss the chance for redemption. After the storm, Lear is finally reunited with Cordelia as he struggles to regain his sanity. Cordelia  never loses her love for her father even after he has disowned her, and after seeing him, she cries, O my dear father, restoration hang / Thy medicine on my lips, and let this kiss / repair those violent harms that my two sisters / have in thy reverence made (IV.vii.27-30). The mention of restoration signifies Cordelias ability to redeem Lear of his previous mistakes. When Lear wakes up, he admits, I am a very foolish fond old manà ¢Ã¢â€š ¬Ã‚ ¦I fear I am not in my perfect mind (IV.vii.61,65). This reveals Lears new regained understanding of himself and his admittance to his faults, a sign of the first step towards redemption. At this point, after all the turbulence, the audience takes a sigh of relief, feeling positive and seeing hope for Lear. Unfortunately however, this play does not leave any traces optimism. In the final act, Edmund captures Lear and Cordelia as his prisoners, and orders both to be killed. Lear escapes, but Cordelia, his loyal and loving daughter, dies. Lear finally realizes only Cordelia can give him a chance which redeem all sorrows that ever [he] have felt (V.iii.272-273). Her death breaks the last thread between Lear and happiness. He expresses his deepest sufferings and declares his sorrows when sees Cordelia has gone foreverà ¢Ã¢â€š ¬Ã‚ ¦ Shes dead as earth (V.iii.265-267). With nothing left, not even the future and possibility for redemption, Lear loses the only possession that remains his life. King Lear is truly a tragic hero because he was so close to happiness after much torment, yet he is still unable to achieve salvation, and instead, he is subjected to complete deterioration, both mentally and physically. Is this the promised end? Kent, Lears loyal servant, questions at the end of the play (V.iii.270). Indeed, this is the tragic end of King Lear, a play displaying a world of corruption. King Lear, due to his tragic flaw of insecurity and egotism, makes an initial mistake that soon snowballs into a series of losses, including the loss of authority, identity and sanity. Just as he is about to redeem himself, he is deprived of that chance as he losses the only one capable of restoring him Cordelia. The play ends with the ultimate downfall of the tragic hero, as Lear dies in a state of grief. In this way, King Lear portrays not only the tragedy of a society, but more importantly, the tragedy of a man. Even though Lear has undergone much transformation and realized the meaning of humanity, the bleak society he lives in does not warrant him the opportunity for redemption. Through revealing his losses, King Lear illustrates the journey of the title character, an ultimate tragic hero.

The social and political context of the 1950?s is crucial to any unders

The social and political context of the 1950’s is crucial to any understanding of the birth of rock n roll. â€Å"Rock was formed out of the social, economic and political context of post-war America†. The social context was on the bases of the post war baby boom, which counted for the birth of 77 million babies between the years 1946-1964. By the year 1964 forty percent of America’s population was under twenty years of age. For the first time both middle and working class youths were acquiring an affluent lifestyle. Disposable income came from part-time work and pocket money, which gave youths some form of spending power, which gave them a sense of independence. This mind you were what Wicke’s point out was due to America’s economic growth and capitalism, which was reinstated in the country. The American governments distrust in politicians as well as other members in different institutions led to the investigation of numerous people and the need for government employees to sign loyalty oaths. America became obsessed with the need to conform in social behaviour, so much so that youths were placed under immense pressure to understand the important value of the American way of life, which was to do well at school. This message was deployed through the bombardment of propaganda campaigns. It was this notion of importance on school that sociologist Coleman describes as being the reason for the segregation of youths from the rest of society by forming a new culture ‘teenagers’ a gr...

Political Corruption Essay -- Ethical Issues, Public Tolerance

Political corruption is a serious problem limiting development in emerging economies. Many scholars have identified corruption as the new enemy of democratization, blaming it for limiting political and socio-economic development of most developing nations (Bardhan P.,1997; Seligson M., 2002, Canache D. and Allison M., 2005). Although no one can really measure â€Å"corruption† due to its discrete nature and the different discourses defining it, citizen’s perception of corruption can give us an idea of its direction. Manny current approaches to the study of corruption take into consideration the importance of corruption perception indexes (Johnston 2005, Acemoglu D. and Robinson J. 2001, Canache D. and Allison M., 2005), and the availability of democratic channels such as regular popular elections, freedom of the press, civic society organizations, private property rights and individual rights (O’Donell G, 1994). Corruption index reports such as Transparency Inte rnational, LatinoBarometro, Freedom House) show extensive public awareness of mass corruption in developing countries (TI, 2011; LB 2009; FH 2010). Awareness of corruption does not seem to trigger any major demands to fight corruption seriously. The question leading this literature review is why citizens, after accurately perceiving corruption and perceiving it as wrong, fail to adjust their opinions of, or simply ignore, the leaders or democratic institutions that govern them? The question of public tolerance of political corruption has assessed from different approaches. Some scholars, for instance, focus on the direct link between citizens and organization/leaders based on clientelism, nepotism, cronyism, and other informal ways of wealth redistribution (Kurer, O. 1993, R... ...ing the social construction of the â€Å"sense of ownership† of public institutions can lead us to the understanding of civil society’s sense of entitlement accountability. We have seen, for instance, how reviving civil society’s sense of entitlement to the public wealth have driven leaders in and out of power. Most of the South American leftist regimes depend on this â€Å"sense† of ownership/entitlement to win election and to stay in power. However, few of these countries show serious interest in institutionalizing the citizen-government relationship, especially if it threatens their stay in government. Further research, nonetheless, should help us understand how remittance, language and expectation of leaving the country contribute to the creation of a passive/inactive civil society. Researchers of both corruption and democratic theory should consider these approaches. Political Corruption Essay -- Ethical Issues, Public Tolerance Political corruption is a serious problem limiting development in emerging economies. Many scholars have identified corruption as the new enemy of democratization, blaming it for limiting political and socio-economic development of most developing nations (Bardhan P.,1997; Seligson M., 2002, Canache D. and Allison M., 2005). Although no one can really measure â€Å"corruption† due to its discrete nature and the different discourses defining it, citizen’s perception of corruption can give us an idea of its direction. Manny current approaches to the study of corruption take into consideration the importance of corruption perception indexes (Johnston 2005, Acemoglu D. and Robinson J. 2001, Canache D. and Allison M., 2005), and the availability of democratic channels such as regular popular elections, freedom of the press, civic society organizations, private property rights and individual rights (O’Donell G, 1994). Corruption index reports such as Transparency Inte rnational, LatinoBarometro, Freedom House) show extensive public awareness of mass corruption in developing countries (TI, 2011; LB 2009; FH 2010). Awareness of corruption does not seem to trigger any major demands to fight corruption seriously. The question leading this literature review is why citizens, after accurately perceiving corruption and perceiving it as wrong, fail to adjust their opinions of, or simply ignore, the leaders or democratic institutions that govern them? The question of public tolerance of political corruption has assessed from different approaches. Some scholars, for instance, focus on the direct link between citizens and organization/leaders based on clientelism, nepotism, cronyism, and other informal ways of wealth redistribution (Kurer, O. 1993, R... ...ing the social construction of the â€Å"sense of ownership† of public institutions can lead us to the understanding of civil society’s sense of entitlement accountability. We have seen, for instance, how reviving civil society’s sense of entitlement to the public wealth have driven leaders in and out of power. Most of the South American leftist regimes depend on this â€Å"sense† of ownership/entitlement to win election and to stay in power. However, few of these countries show serious interest in institutionalizing the citizen-government relationship, especially if it threatens their stay in government. Further research, nonetheless, should help us understand how remittance, language and expectation of leaving the country contribute to the creation of a passive/inactive civil society. Researchers of both corruption and democratic theory should consider these approaches.

Economic Issues Essay

Castor Collins Health Plans, a regional health maintenance organization (HMO), in the state of Pantome provides HMO health insurance and health care services to enrollees through its statewide network of physicians and hospitals. E-Editors, a company with 1600 employees has asked Castor Collins to find an employee health insurance plan that accepts preexisting conditions at a maximum premium of $4,500 per person. Caster has two plans, which may fit the client’s demands. This paper converses the selection method including risk factors as compared to premiums that the company is willing to pay. In addition, the paper also considers the selection method of Cigna as a comparison to data available for Castor Collins. Economic Issues Simulation Paper Castor Collins Health Plans is a regional HMO founded in 1999 in the state of Pantome (University of Phoenix, 2011). Using a capitation model to pay its network of health providers, the HMO provides health insurance and health care services to enrollees statewide (University of Phoenix, 2011). Caster Collins currently has 100,000 enrollees throughout Pantome and is actively pursuing to increase this number. On January 2006, E-Editors, which comprises 1,600 people, approached Castor Collins with a need for employee health insurance plan. Currently E-Editors does not have health insurance, which means that the individuals will pay for their own insurance (University of Phoenix, 2011). The people at E-Editors are willing to pay a maximum annual premium of $4,500 per person (University of Phoenix, 2011). Caster Enhanced Minor covers preexisting conditions, but risks under this plan are lower than under Caster Enhanced, because this plan covers fewer services (University of Phoenix, 2011). For E-Editors, the premium charged for this plan is $4,491, and earnings are $7. 19 million. Because a good decision made by excluding Vision Screening, Hearing Screening, Male/Female Sterilization, and Custodial Care, the premium paid and the earnings barely cover the risks of insuring the group (University of Phoenix, 2011). If the goal were to minimize risks, one may consider not providing insurance to this group, which would mean a reduction in earnings (University of Phoenix, 2011). By including substance abuse treatment in Castor Enhanced Minor for E-Editors, the costs of providing this service are not too high and a comparison of the expected utilization of this service with average utilization shows that the risk of covering this service is low (University of Phoenix, 2011). Castor Collins has two plans suitable for this company – Castor Standard, which does not cover preexisting conditions, and Castor Enhanced, which covers preexisting conditions (University of Phoenix, 2011). In addition, Castor Collins can mitigate its risk by customizing Castor Enhanced to remove a few services that may have high utilization (University of Phoenix, 2011). Castor Collins might not insure any of these plans if the risks outweigh the profits (University of Phoenix, 2011). E-Editors will pay $4,500 as a maximum annual premium with preexisting conditions covered. Because Castor Standard does not cover preexisting conditions, the choices for E-Editors are Caster Enhanced and Caster Enhanced Minor. Caster Enhanced costs $4,556, which is $56 over the price of $4. 500. Therefore, this choice is not the optimum choice. Moreover, the Caster Enhanced Minor priced at $4,556 is also over the $4,500, but there is the option of electing to exclude some services. This tactic is exactly what E-Editors chose. Vision screening, hearing screening, male/female sterilization, and custodial care excluded from the Caster Enhanced Minor Plan lowering the total cost to $4,491. Thus, this plan covers preexisting conditions, but risks under this plan are lower than under Caster Enhanced, because this plan covers fewer services (University of Phoenix, 2011). For E-Editors, the premium charged for this plan is $4,491, and earnings are $7. 19 million (University of Phoenix, 2011). For E-Editors, the premium charged for Castor Standard is $3,485 and earnings are $5. 8 million (University of Phoenix, 2011). The risks and returns in this plan are low (University of Phoenix, 2011). A comparison of the expected utilization and the returns from providing Castor Standard to this group shows that the risks are quite high, and earnings from this plan are not sufficient to cover them (University of Phoenix, 2011). This plan is not the best choice of plan for E-Editors because one could mitigate risks by providing a different plan or by not insuring the group (University of Phoenix, 2011). Risk adverse customers buy health insurance to avoid losing income or wealth when indisposed (University of Phoenix, 2011). The insurance company in this case Castor Collins bears the risk in return for the premium and takes care of enrollees’ medical expenses (in part or full) when indisposed (University of Phoenix, 2011). The premium that Castor Collins receives is a source of revenue (University of Phoenix, 2011). It is compensation for bearing risk and for bearing expenses such payment to health care providers (University of Phoenix, 2011). If Castor Collins or any other similar company knows that a particular group of enrollees is more susceptible to a particular disorder, its risks for providing coverage for that disorder are higher (University of Phoenix, 2011). Thus, Castor Collins should charge a higher premium for covering that disorder. As in the case of E-Editors, there is a group of people not willing to pay a higher premium to cover greater risks (University of Phoenix, 2011). Therefore, Castor Collins would not provide coverage for greater risks (University of Phoenix, 2011). Castor Collins must weigh various considerations concerning the premium that enrollees pay. For example, these considerations are the risks of providing a particular plan or service, the expected utilization and hence, the costs of providing various services in the plan and the premium Castor Collins needs to charge to maintain profitability (University of Phoenix, 2011). For example, Cigna, like Castor Collins, tries to find health plans that fit the needs of the company by evaluating network strength, offering transparency and guidance, offering integrated products and services, and tailoring solutions to the size of the business (The Cigna Advantage, 2011b). Cigna recognizes that companies come in all sizes and face unique challenges and tailors solutions for businesses. Furthermore, Cigna solutions combine effective cost management, health advocacy and award-winning customer service by lowering health care costs, offering easy-to-use plans, improving health and productivity, and enjoying flexibility and choice (The Cigna Advantage, 2011a). Cigna believes in healthy, engaged employees and a healthy bottom line (The Cigna Advantage, 2011c). Improving health is the only sustainable way to lower costs. Cigna can help an organization achieve better overall health – and a healthier bottom line, through (The Cigna Advantage, 2011c): * Exceptional customer experience and engagement * Health and well-being solutions driven by integrated technologies and delivered by caring experts and coaches * Cost management that looks beyond networked discounts and into the future of consistent, high quality, affordable care Caster Collins provides health insurance and health care services throughout the state using an HMO model with capitation to pay its network of health providers (University of Phoenix, 2011). Caster Collins currently has 100,000 enrollees throughout the state and hopes to increase the number. Recently E-Editor approached Castor with a need for a health insurance product without preexisting conditions. E-Editor is willing to pay a maximum annual premium of $4,500 per person. Caster has two products that may fit the bill of which the customized Castor Enhanced Minor with modifications is the best fit for E-Editors.