Jada Garrison - jgarris5@kent.edu Essays - Neuroscience, Biology

Jada Garrison - jgarris5@kent.edu Essays - Neuroscience, Biology Jada Garrison - [emailprotected] Manchester Hall KSU - Twin Towers Desk 575 Senhauser Drive Kent, Ohio 44234-1079 28 October 2017 Ohio Department of Education 25 South Front Street Columbus, Ohio 43215-4183 To Whom It May Concern, Calendar requests of society cause a lot of lack of sleep among teenagers. As an ongoing secondary school graduate and now understudy, I can feel the distinction by they way I learn. Numerous variables could have an impact in this yet I am sure that the later beginning to my scholastic day has for a colossal effect. With my school day beginning at nine AM contrasted with eight o'clock, it gives personal time in the first part of the day to more readily set myself up for the up and coming day. I feel every single secondary school the nation over ought to consider starting the chime plan later toward the beginning of the day to profit the wellbeing and execution of their understudies and staff. Seeing secondary schools the nation over, 93 percent of them start the school day too soon as indicated by the 2014 School Health Policies and Practices Study. The cerebrum does the best reasoning when it is in obtaining mode, as a rule between 10 a.m. to 2 p.m. what's more, again between 4 p.m. to 10 p.m. With most schools beginning at the U.S normal time of 8:03 a.m. this moves the understudy to get an entire night of rest. I realize we may remain up somewhat late, yet our bodies as a tween/youngster is encountering what is known as a move in our normal rest plan. This makes it hard for bodies to nod off before 10:30-11:00 around evening time. With our bodies disdaining rest we need to battle with ourselves to get persuaded toward the beginning of the day, regardless of whether it implies we don't get an entire eight hours of rest. The deferral wouldn't just lift the understudy's vitality for the school day, it has additionally been demonstrated to prompt higher scores on state san ctioned tests. Early morning classes can be hard for the understudy to be solid and steady to get the data they are going to be introduced. Lack of sleep can negatively affect a youngsters dynamic procedure. Studies have demonstrated that the absence of rest can impact the decisions they make and even lead to nervousness, discouragement, and heftiness. Studies have demonstrated that illicit or unsafe practices completed by more established understudies occur somewhere in the range of two and four toward the evening, with a later beginning in the first part of the day will bring about a later end time at night. This may cut crime percentages and sketchy conduct of understudies. Despite the fact that adolescents may add to the difficult purchase expending caffeine to attempt to wake themselves up or remain up past the point of no return on an electronic gadget, this despite everything falls back on the bodies develop of melatonin forestalling rest. The discharge of melatonin is the thing that makes one nod off, in adolescent this doesn't happen until some other time around evening time. Guardians are influenced by this emergency also. There are a few hints for the understudies and guardians to best set them up for the forthcoming fight that they should confront. One is for understudies to take brief 15 brief rests at night, yet being wary not to rest too long affecting their daily rest plan. Guardians should put forth an extraordinary attempt to attempt to make a steady rest plan for their kids at a youthful age to help set up the body for the up and coming battle. A concerned understudy, Jada Garrison

The Man Of A Million Faces Essays - English-language Films

The Man Of A Million Faces Essays - English-language Films The Man Of A Million Faces The Man of a Million Faces Jim Carrey is a man who exceeds expectations at the field of satire and acting. The explanation that he exceeds expectations is that he is exceptionally sensible, his character exemplifies how a great deal of young people act and feel today, and he is amazingly well known. James Eugene Carrey is by all accounts one of the most rational individuals that you will ever observe on TV. Regardless of whether it is on the Tonight Show or Entertainment Tonight, Jim can transform any dull second into something comedic. At the point when I was as of late finding out about him I discovered that despite the fact that he is a whiz he appreciates huge numbers of very similar things that us ordinary individuals like. For instance Jims most loved sort of food is sandwiches, chips, and a little bowl of frozen yogurt for dessert. He truly isn't in to the entire fabulous VIP thing. He appreciates the straightforward things throughout everyday life. I likewise discovered that Jim cherishes kid's shows and his preferred character is Deputy Dog. Jim likewise wears something that a ton of people wear, Fruit of the Loom clothing. As indicated by my perusing they are the underpants of decision for a ton of VIPs. At last, and I think this is more than anybody has to know, Jim l ean towards Charmin tissue. I don't have the foggiest idea why anybody would truly think about this yet it was recorded as a reality about him. Another explanation that he is so acceptable at what he does is that he demonstrations simply like the children that are watching his motion pictures. After a Jim Carrey film is discharged I recommend that you tune in to a couple of discussions among young people. You are nearly guaranteed the most recent Jim Carrey statement, and you can be certain that a pantomime isn't a long ways behind. There is only something about what he says that sticks in youngsters minds. Something different that sets Jim separated from all the rest is his uncanny method of making faces. Now and again you need to think about whether his jaw is disjoined. He can get things done with his mouth no other human can achieve. It is unfathomable. I feel that the most compelling motivation that he is so popular is his exhibition in Ace Ventura; Pet Detective. He accomplished something that a great deal of young people and grown-ups wish they could do. He conversed with his transport through his behind. Most workers want to do that at any rate once every week, if not more. The last explanation that he exceeds expectations is the interest to have him in films and to show up at your capacity, whatever it might be. For instance as of late he showed up on the MTV Video Music Awards. Jim has nothing to do with music, however is name alone as a main event could have been the reason for the immense group. His essence in a film can truly represent the deciding moment it. He has featured in the blockbusters, Ace Ventura, Dumb and Dumber, The Truman Show, Man on the Moon, and the up and coming How the Grinch Stole Christmas. Since 1982 Carrey has featured in 20 motion pictures and various TV programs. He likewise has won and been selected for some honors. So as should be obvious Jim Carrey is an awesome on-screen character and comic. He is sought after and is cherished by many.

How to Be More Thoughtful When I Have Social Anxiety

How to Be More Thoughtful When I Have Social Anxiety Social Anxiety Disorder Coping Print How Can I Be More Thoughtful When I Have Social Anxiety? Tips for Becoming More Aware of Others Needs When You Have SAD By Arlin Cuncic Arlin Cuncic, MA, is the author of Therapy in Focus: What to Expect from CBT for Social Anxiety Disorder and 7 Weeks to Reduce Anxiety. Learn about our editorial policy Arlin Cuncic Updated on June 24, 2019 Social Anxiety Disorder Overview Symptoms & Diagnosis Causes Treatment Living With In Children Ikon Images/Marcus Butt/Getty Images How can you be more thoughtful when you have social anxiety? People who are thoughtful think about the happiness and well-being of others. They anticipate what other people need and have the ability to see things from their perspective. One of the difficulties those with social anxiety disorder (SAD) face is the tendency towards being self-conscious and inwardly focused. When you are overly concerned with how others perceive you and how you come across, it is difficult to be concerned with making others comfortable and thinking of their needs. If you are receiving treatment for SAD, one avenue for broadening your focus is to learn to become more thoughtful of others. Find Treatment With the 7 Best Online Anxiety Support Groups This can be accomplished by making a simple goal to do five thoughtful things each day. You might plan the first three items and then let the other two come about spontaneously. Although at first it will feel unnatural, with practice you will learn to automatically think about the needs of others. Eventually, you will make it a priority to be considerate of others in any interaction. Remember that thoughtfulness will also bring good karma your way. Below are some suggestions of ways that you can show thoughtfulness for others. Give a Compliment. Consider giving a compliment to a stranger such as a cashier, waitress or other service person. The compliment will be unexpected and appreciated; and you will have a chance to practice making small talk.Smile. Something as simple as smiling at people can make a difference to their day. Social skills expert Leil Lowndes advises that if you really want to make an impact, learn to slow down your smile. When you meet someone, pause first and then as you look at them slowly let a full smile emerge. It will feel to that person like your smile is genuine and meant just for him.Send Cards. Thank you cards, birthday cards, get well cards; sending friends and family cards even when there is no special occasion is an easy way to be thoughtful. If you have trouble remembering dates, use technology to keep track.Let People In. Not in the emotional sense of allowing people to get close, but in the literal sense: Let people go ahead of you! Whether it is holding a door open for someone, letting someone with fewer items go ahead in line at the supermarket, or allowing a car to merge, letting people in is a small thoughtful gesture that anyone can do.Be Tidy. You might not automatically associate being tidy with being thoughtful, but keeping your personal space and belongings tidy helps others; particularly those you live or work with. Good personal hygiene also shows thoughtfulness for those around you.Cook or Bake for Others. If you know someone who is ill or who has a new baby, bringing over a home-cooked meal is a thoughtful gesture. A homemade lasagna ready for cooking or a batch of cookies are just a few ideas.Give Someone Your Full Attention. When you listen, give your full attention! This might seem like a simple gesture, but it is a simple way to be thoughtful when you are with others. It also gives you a chance to practice active listening skills.Take Notes. When you give someone your full attention, make mental notes about the things that person l ikes. Then, when it comes time to give a gift, you can give one that shows you are thinking specifically about that persons interests.Practice Anonymous Thoughtfulness. Being thoughtful doesnt always have to mean that the other person knows it was you who did the good deed. Consider adding change to a parking meter or paying for the person behind you in line at the drive-through. You are spreading kindness without expecting anything in return; which is simply good karma.Start with Gratitude. Start each day by reading a quote about gratitude to set your mind in the right direction. Then, write out three people or things that you are grateful for. Starting with gratitude will naturally make you more thoughtful during the day.Respond. If someone leaves a voice mail, emails you, or talks to you on the street, respond! It only takes a minute no matter how busy you are. Acknowledging others is a thoughtful action. Be even more proactive, and like or comment on social media posts made by f riends and family to let them know you are thinking of them.Carry Snacks. Not sure how to respond to requests from homeless people? Carry portable snacks like granola bars that you can hand out if asked for money. If you suffer with social anxiety, you might think that it is hard to be thoughtful. Thoughtful people often tend to be outgoing and talkative; they show thoughtfulness in their connections with others. You might feel like you are not good enough or well-liked enough to show outward thoughtfulness toward others. In fact, thoughtfulness needs to start with yourself. When you learn to talk to yourself and treat yourself well, you will be more thoughtful of others as part of the process. If you suffer with severe social anxiety and have not received treatment, consider looking into different alternatives with your doctor, such as medication or therapy. If you dont feel up to doing it for yourself, think about how the changes that you make could impact those around you. Finally, what if people notice your changes? How can you explain your sudden thoughtfulness? Honesty is as good an explanation as any. Perhaps tell others it is a New Years Resolution to be more thoughtful and think of others more. Or, that you just read a book on the topic. Let go of any guilt about your past behavior and start on a new path today.

Principles and Practice of Management - 2867 Words

Read the following case and answer the questions given at the end of the case. LOSING A GOOD MAN Sundar Steel Limited was a medium-sized steel company manufacturing special steels of various types and grades. It employed 5,000 workers and 450 executives. Under the General Manager operation, maintenance, and headed by a chief. The Chief of and under him Mukherjee Maintenance Engineer. The total was 500 workers, 25 executives, (Production), there were services groups, each Maintenance was Shukla was working as the strength of Maintenance and 50 supervisors. Chatterjee was working in Maintenance as a worker for three years. He was efficient. He had initiative and drive. He performed his duties in a near perfect manner. He was a man of proven†¦show more content†¦Read the following case and answer the questions given at the end. ABC manufacturing The ABC Manufacturing Company is a metal working plant under the direction of a plant manager who is known as a strict disciplinarian. One day a foreman noticed Bhola, one of the workers, at the time-clock punching out two cards his own and the card of Nathu, a fellow worker. Since it was the rule of the company that each man must punch out his own card, the foreman asked Bhola to accompany him to the Personnel Director, who interpreted the incident as a direct violation of a rule and gave immediate notice of discharge to both workers. The two workers came to see the Personnel Director on the following day. Nathu claimed innocence on the ground that he had not asked for his card to be punched and did not know at the time that it was being punched. He had been offered a ride by a friend who had already punched out and who could not wait for him to go through the punch-out procedure. Nathu was worried about his wife who was ill at home and was anxious to reach home as quickly as possib le. He planned to take his card to the foreman the next morning for reinstatement, a provision sometimes exercised in such cases. These circumstances were verified by Bhola. He claimed that he had punched Nathus card the same time he punched his own, not being conscious of any wrongdoing. The Personnel Director was inclined to believe the story of the two men but did notShow MoreRelatedPrinciples and Practices of Management1560 Words   |  7 PagesPrinciples and Practices of Management Subject Code – B-101 Section A: Objective Type Q1. A plan is a trap laid to capture the ___________ a) Future Q2. It is the function of employing suitable person for the enterprise: b) Staffing Q3. ______________ means â€Å"group of activities employee into departments†: (d) Departmentation Q4. This theory states that authority is the power that is accepted by others. a) Acceptance theory Q5. It means dispersal of decision makingRead MorePrinciples and Practices of Management6031 Words   |  25 PagesPRINCIPLES AND PRACICE OF MANAGEMENT( Unit-1) MANAGEMENT Management makes remarkable differences between the companies regarding their performance in term of productivity , products, sales, profitability, service to the customer, employee welfare etc. Management plays a vital role in deciding the destiny of business as well as non-business organisations. Concept Of Management- Read MorePrinciples Practices of Management1333 Words   |  6 PagesExamination Paper Semester I: Principles and Practice of Management IIBM Institute of Business Management IIBM Institute of Business Management Semester-1 Examination Paper MM.100 Principles and Practice of Management Section A: Objective Type (30 marks)  · This section consists of Multiple Choices Short Notes type Questions.  · Answer all the Questions.  · Part one carries 1 mark each Part two carries 5 marks each. 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Mr.  Durant,  the  new  CEO  since  2005,  embarked  on the new strategy by offering 15percent new products in its hypermarkets and 10 percent in its supermarkets. Moreover, he wants to employ more staff, extend the operating hours in certain hypermarkets, cutting prices, trying small stores, and pushing down decision making. MrRead MorePrinciple Practice of Management1622 Words   |  7 PagesPRINCIPLE amp; PRACTICE OF MANAGEMENT International Case : Carrefour — Which Way to Go? How should Mr. Durant assess the opportunities in various countries around the world? Mr.  Durant,  the  new  CEO  since  2005,  embarked  on the new strategy by offering 15percent new products in its hypermarkets and 10 percent in its supermarkets. Moreover, he wants to employ more staff, extend the operating hours in certain hypermarkets, cutting prices, trying small stores, and pushing down decision making. Mr. DurantRead MorePrinciples Practice of Management2003 Words   |  9 Pagesï » ¿Examination Paper Principles and Practice of Management Section A: Objective Type (30 marks) Part one: Multiple Choices: 1. A plan is a trap laid to capture the ________. Ans.: A) Future 2. It is the function of employing suitable person for the enterprise Ans.: B) Staffing 3. ___________ means â€Å" group of activities employees into departments† Ans.: D) Departmentation 4. This theory states that authority is the power that is accepted by others Ans.: A) Acceptance theory Read MorePrinciples and Practices of Management1800 Words   |  8 PagesPrinciples and Practices of Management Assignment A Marks 15 Answer all questions. 1. What were the Hawthorne studies? What effect did they have on the Management practices? 2. What steps can an organisation take to increase the motivational force for high levels of performance? 3. Explain briefly various Management Functions. What is the basis for saying that planning is the most crucial management function? Discuss. 4. Explain the MBO Process. 5. Elucidate the relationship betweenRead MoreManagement Principles and Practice7126 Words   |  29 PagesTable of Contents * The meaning of Management * Management Functions and Process * Management Approaches * Motivation Theory * The Meaning of Management Management may be defined in many different ways: â€Å"Management is the development of people and not the direction of things† - Lawrence A Appley â€Å"Management is defined as the process by which a co- operative group directs action towards common goals† - Joseph Massie â€Å"Management is a distinct process consisting of planningRead MorePRINCIPLES AND PRACTICES OF MANAGEMENT2416 Words   |  10 Pagessafety Needs 3. Social Needs 4. Esteem or ego needs 5. Self – actualization needs. 2. Define Management By Objectives. According to John Humble - Management By Objectives or â€Å"MBO is a dynamic system which integrates the company’s need to achieve its goals for profit and growth, with the manager’s need to contribute and develop himself.† In other words, MBO is a dynamic system of management; it recognizes the need of the manager to achieve and to grow on the job and it integrates the individual

In This Paper I Will Be Discussing The Troubles Faced By

In this paper I will be discussing the troubles faced by an individual who experienced depression as a teenager and even into their adult life. I will be exploring the experiences that they faced that may have lead them to depression and how these experiences may be attributed to other larger public issues. The method in which we are going to be examining this issue is commonly referred to as the sociological imagination. The sociological imagination looks at the issues or struggles of an individual and examine the external factors that contribute to this issue. These external factors can be so impactful that they cause a large population of people to suffer from the same issue. As a result of this, sociologist will attribute these†¦show more content†¦By this point their parents had noticed this self harm and stepped in. The parents quickly took steps to pursue professional help for their child through a variety of therapists to help address issues. Over time he began to do better and turn away from self harm and beginning open to seeking the help of others but his anxiety was still there. It wasn’t till he reached college that his anxiety was dealt with once he began to take anti depression medication. In society depression has been an issue that has been ignored and kept quiet for years. A stigma has been placed on depression as something that is a mindset instead of a mental health issue. Especially for males, the concept of being overly emotional has long been frowned upon for males of all ages. Being emotional is commonly seen as unmasculine and young males are usually taught to keep their emotions to themselves.(Nemade, 2007) In a study done by the American Psychological Association, it is found that about 6 million men suffer from depression every year. The American Psychological Association is urging mental health care providers to take special action to address this issue since men are less open to seeing help for issues for mental health issues compared to women. In addition, since men have â€Å"higher risk of abusive anger, substance abuse, risky behavior and suicide.† addressing mental issues in men mayShow MoreRelatedThe Syrian Refugee Crisis869 Words   |   4 Pagesterm for change over time. However, this word extends to much more than simply a bird’s beak getting longer over generations. This principle can also be associated with the growth of a person, but in a much more metaphysical fashion. To give an example, throughout this performance task, I have evolved as a writer, student, and team member. This is clearly exemplified through the steps my team and I took to complete this essay. We began with plainly discussing all of my members’ ideas, eventuallyRead MoreMy Writing An Argument Paper Over The Hit Podcast Serial 950 Words   |  4 PagesAs I began to type the opening paragraph for my argument paper over the hit podcast â€Å"Serial,† I began to realize I was in serious trouble as the words refused to flow. Even without any formal writing education, I prided myself on my ability to write, and convey my ideas with ease through the means of a keyboard. By the end of these pages, it is my hope that you the reader, will be able to get a sense of the adversities I had faced, and what helped me develop my writing process, and abilities. GrowingRead MoreThe Reason For God By Timothy Keller Essay1478 Words   |  6 Pages For my book review I chose The Reason for God by Timothy Keller. I have read this book before, but I wanted to go through again, summarize and analyze it. 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Why do we care so much Free Essays

Introduction. People generally search for positive feedback pertaining to the self, in order to maintain a positive self-image. People also generally do not seek external feedback that accurately reflects their self-image, but rather a fair looking glass that displays positive images of the self, which serve to protect their personal self-esteem. We will write a custom essay sample on Why do we care so much? or any similar topic only for you Order Now (Brehm, Cassin, Fein, 5th ed. 1998) Definition. Along these lines, Tesser’s self-evaluation maintenance model states that the performance of others in our social environments can affect our self-evaluations, (Taylor Brown, 1988). When a person we are close to performs well on a task, what will determine whether we will react positively or negatively to that behavior? Factors. There are three (3) influential factors that lead to having positive or negative thoughts on others successes when dealing with the self. They are crucial in understanding the idea of self-esteem maintenance. The factors are Performance, Closeness, and Importance. Performance is the most straight forward, and states that one will make decisions about their feelings towards others, based on how well that person performed on the same task that another has already completed. lecture 2/13/03) This is made by a measurement of some sort. In this case, Satoka got a higher grade then Steve and Sarah on the exam. This caused Steve to show feelings of jealousy towards Satoka, however Sarah, having gotten the same grade as Steve, was indifferent due to other factors. Closeness is a little trickier to deal with. It has to do with the relationship between the two people in question. If they are closely related, one would begin to hypothesize that they would be happy for each other’s successes. That is not what the data suggests. Steve, Satoka and Sarah, in the given problem, are all very close friends. The data suggests that this close bond will cause some tension and perhaps establish competition that could lead to envy and discomfort toward Satoka. (lecture 1/13/03) The last of the three factors is Importance. This is a crucial factor because, if the task in question is not that important to one’s self-concept or maintenance of high self esteem, then the individual simply won’t care enough to let it have any affect on him/herself. (lecture 1/13/03) Steve and Satoka in this example, are both aspiring psychology majors, which is the item that makes this factor so significant, and makes this exam score so important to their self concept. They have established some kind of subconscious competition. Knowing that Satoka has done better then him on the exam, could cause Steve to feel threatened. Satoka might now be a better candidate to be a psych. Major because of his superior performance on the exam. This exam however is not of crucial importance to Sarah’s concept of the self, because she is not in a field relating to psychology. Thus, she has an apposite reaction to the exam score, and Satoka, Processes. Based on the prior description of the factors, and how they relate to Steve and Sarah’s reaction in this situation, one can further infer processes to account for their reactions.. The first process is called comparison. The comparison process states that if another person who is close to you, on a task that is of importance to you, out performs you, you will show resentment, or feel badly. (lecture 1/13/03) The second process is Reflection. As it’s name suggests, this is when you reflect on someone else’s success, and you feel good about yourself, because they performed well. This is the process that Sarah is exemplifying. Recovery. There are three things that Steve can do, (one in relation with each of the factors) in order to relieve himself of this burden of negative feelings towards Satoka. (lecture 1/13/03) The first is that he can change his performance on the task, (do better on the exam) and that will lead to a better feeling when comparing with Satoka’s high score. Another thing he can do is change how close he is with Sataoka, meaning, he would distance himself in the friendship to help save positive self-esteem. Lastly, he could change the amount of emphasis or importance that he places on the exam. One solution would be to change majors. (lecture 1/13/03) Conclusion. The idea of self-concept maintenance is one that the average person deals with in a typical day during the course of his/her interaction with friends and strangers. If the population is all more aware of why we feel the way we do about certain things, it might be possible to prevent a lot of the negative hostility that is harbored for one another in certain situations, especially jealousy among friends. How to cite Why do we care so much?, Papers

Why do we care so much Free Essays

Introduction. People generally search for positive feedback pertaining to the self, in order to maintain a positive self-image. People also generally do not seek external feedback that accurately reflects their self-image, but rather a fair looking glass that displays positive images of the self, which serve to protect their personal self-esteem. We will write a custom essay sample on Why do we care so much? or any similar topic only for you Order Now (Brehm, Cassin, Fein, 5th ed. 1998) Definition. Along these lines, Tesser’s self-evaluation maintenance model states that the performance of others in our social environments can affect our self-evaluations, (Taylor Brown, 1988). When a person we are close to performs well on a task, what will determine whether we will react positively or negatively to that behavior? Factors. There are three (3) influential factors that lead to having positive or negative thoughts on others successes when dealing with the self. They are crucial in understanding the idea of self-esteem maintenance. The factors are Performance, Closeness, and Importance. Performance is the most straight forward, and states that one will make decisions about their feelings towards others, based on how well that person performed on the same task that another has already completed. lecture 2/13/03) This is made by a measurement of some sort. In this case, Satoka got a higher grade then Steve and Sarah on the exam. This caused Steve to show feelings of jealousy towards Satoka, however Sarah, having gotten the same grade as Steve, was indifferent due to other factors. Closeness is a little trickier to deal with. It has to do with the relationship between the two people in question. If they are closely related, one would begin to hypothesize that they would be happy for each other’s successes. That is not what the data suggests. Steve, Satoka and Sarah, in the given problem, are all very close friends. The data suggests that this close bond will cause some tension and perhaps establish competition that could lead to envy and discomfort toward Satoka. (lecture 1/13/03) The last of the three factors is Importance. This is a crucial factor because, if the task in question is not that important to one’s self-concept or maintenance of high self esteem, then the individual simply won’t care enough to let it have any affect on him/herself. (lecture 1/13/03) Steve and Satoka in this example, are both aspiring psychology majors, which is the item that makes this factor so significant, and makes this exam score so important to their self concept. They have established some kind of subconscious competition. Knowing that Satoka has done better then him on the exam, could cause Steve to feel threatened. Satoka might now be a better candidate to be a psych. Major because of his superior performance on the exam. This exam however is not of crucial importance to Sarah’s concept of the self, because she is not in a field relating to psychology. Thus, she has an apposite reaction to the exam score, and Satoka, Processes. Based on the prior description of the factors, and how they relate to Steve and Sarah’s reaction in this situation, one can further infer processes to account for their reactions.. The first process is called comparison. The comparison process states that if another person who is close to you, on a task that is of importance to you, out performs you, you will show resentment, or feel badly. (lecture 1/13/03) The second process is Reflection. As it’s name suggests, this is when you reflect on someone else’s success, and you feel good about yourself, because they performed well. This is the process that Sarah is exemplifying. Recovery. There are three things that Steve can do, (one in relation with each of the factors) in order to relieve himself of this burden of negative feelings towards Satoka. (lecture 1/13/03) The first is that he can change his performance on the task, (do better on the exam) and that will lead to a better feeling when comparing with Satoka’s high score. Another thing he can do is change how close he is with Sataoka, meaning, he would distance himself in the friendship to help save positive self-esteem. Lastly, he could change the amount of emphasis or importance that he places on the exam. One solution would be to change majors. (lecture 1/13/03) Conclusion. The idea of self-concept maintenance is one that the average person deals with in a typical day during the course of his/her interaction with friends and strangers. If the population is all more aware of why we feel the way we do about certain things, it might be possible to prevent a lot of the negative hostility that is harbored for one another in certain situations, especially jealousy among friends. How to cite Why do we care so much?, Papers

Outline and Critically Evaluate the design Argument Essay Example

Outline and Critically Evaluate the design Argument Essay Also known as the Teleological Argument, Originating from the Latin word for teleos meaning distance, the Design Argument is the basis for the existence of God, or at least the existence of a designer. Many Theologians such as Charles Darwin, Michael Paley and David Hume have all commented on their views concerning this argument, which I shall consider in my assessment. The Design argument states that the cosmos shows signs of designer in its regularity; Seasons, day and night and phases of the moon, and that certain features serve specific purposes (teats for several young). Such design needs to have been created by a designer, the designer being God. This implies that the universe was created for an eventual, distant purpose, whether known or to be found. This specific argument has two parts to consider when discussing certain aspects. Design qua regularity and Design qua Purpose. Design Qua Regularity apposes that the universe shows sign of regularity as exampled before, but raises the question of how. Philosophers supporting this argument believe that such signs can conclude a designer at work. Design Qua Purpose suggests that some characteristics of the cosmos point toward a purpose. Certain elements seem to correspond with others for no apparent reason other than pure design. As if the world were a machine, God, the designer, has engineered and supervised his designs specifically to keep regularity upon it. A good supportive account used when discussing the Design argument is found in Natural Theology, called The watch and the watchmaker, William Paley. Paley argues that just like the watch in his story, some things have a clear purpose like the sun, to give light and heat, whereas other things such as the stone and other planets have no clear purpose that we yet know of. We will write a custom essay sample on Outline and Critically Evaluate the design Argument specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Outline and Critically Evaluate the design Argument specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Outline and Critically Evaluate the design Argument specifically for you FOR ONLY $16.38 $13.9/page Hire Writer His narrative is convincing in the way he uses the watch and its parts to show specificity of design and purpose. He explains that although we have not seen the watch produced, we know it has a designer who intended it to be used for a reason. We cannot be ignorant and simply suggest that a stone serves no purpose just because we know not of it and have not seen it personally created. Neither can we simply conclude that pure chance allowed the cosmos to occur. Natural instinct, resulting in survival and Newtons law of motion were also viewed to aid Paleys beliefs. Perhaps the most famous argument of design, I feel this story shows a broad understanding of the question in mind and portrays a simple, understandable prospect of the Design argument. Another, more obvious place to find support of the design argument can be seen in the Bible. Genesis shows evidence of Regularity and Purpose as well as design. Lights to put light upon the earth and the evening and the morning Although some people may not believe the teachings of the Bible, there appears to be some sense behind these writings, which corresponds with the theories of Theologians worldwide. As with any discussion, there happens to be an opposition in the form of David Hume. He criticized the design argument as seen in Dialogues concerning natural religion, David Hume, where he finds Paleys suggestions absurd and irrelevant to the existence of design. Instead, and rather sarcastically, Hume implies that a cabbage makes a better example of purpose, but doesnt necessarily conclude a dominant figure behind its existence, instead pure mystery or science. He also embarks on the fact that many Gods may have been involved in the creation of the universe, agreeing with other religious beliefs, he portrays an anti Judaic-Christian concept, questioning monotheism. As we ourselves can see, the world is far from perfect, Hume included, faulty first rude essay of some infant deity who afterwards abandoned it. Humes theories closely link to a more scientific, modern approach to such arguments. Similarities occur when discussing the apparent existence of the world and inhabitants of it. Hume believes that the world shows evidence of regularity as expected from such a great thing otherwise it could not continue. Scientists have concluded their own theory, steering away from religious stereotypical views, but closely relating their discoveries to issues raised in religious beliefs. The big bang theory states that the universe began 15,000 million years ago, with the explosion of a dense nucleus matter, hence the big bang. This discovery catches out the Bible as the universe is actually Older than we once thought. This could deter peoples opinions towards this theory and criticize more religious views. By measuring the distance between stars, scientists were able to make these discoveries and conclude that the universe is always expanding, showing natural movement and creation. The Biblical account could be counted as myth, although inaccurate, it shows meaning and thought behind its teachings and some truth. Let there be light (Genesis) could be interpreted as the big bang, but in simple terms for instance. Another Critic to consider is John Stuart Mill. He raises the same point as Hume in that the world is far from perfect with pain and suffering, both naturally e. g. hurricanes, droughts, and floods together with man-made suffering such as war. He argues that God being the all powerful figure in question has all abilities to aid in the decrease of such events, but intentionally creates such situations as believed by others. Immoral and evil is not the view commonly taken on board when thinking of such a being, but can be considered when deciding the success of the world in the eyes of a designer. He therefore concludes that there can be no designer or that such a designer has corrupt intentions. Individuals could argue that these occurrences serve a purpose, either as punishments or to eventually lead to good, much the same way a divorce could work. You could be happy or equally depressed as a result, contradicting all possibility of a motive. A more famous Critic to this argument is Charles Darwin. In his travels among the Galapagos Islands, he noted that Giant tortoises belonging to different islands had distinguishing features that differed to their relatives. He concluded that the tortoises had somehow adapted to their environment to suit their needs. He realised that this fact contradicted the Teleological argument and therefore needed to be considered among such discussions. Having gained such knowledge of the way in which species evolve, he looked at the evolution of man, clearly seeing that our ancestors take form in the shape of monkeys. Darwin made this discovery apparent to the Victorians who of course were disgusted with his tales, mainly due to the fact that they believed that animals had no souls. This is because the Bible clearly states that God made man in his own image, not as monkeys or apes. But Darwin was right and so scientists continued their discoveries and studies on evolution and survival of the fittest. Darwins book The origin of species persuaded people that we should look upon fact and science, steering people away from their religious beliefs. The Anthropic principle is another form of the Design argument that focuses on the argument towards design. Knowing that Darwins theories contradict the Bible and previous beliefs, it claims that the cosmos breeds development and evolution of intelligent life. The evolution of man and animals was not coincidence but a product of design and purpose. Supporters of this design are Tennant and Swinburne. Swinburne concludes that the cosmos could just as easily be chaotic as it is governed. The fact that it is not, to him, suggests design and a designer, over ruling chance and coincidence. He decided that the fact that the universe is so complex means that there had to be a designer, the most likely figure being God. Tennant believed the opposite to Swinburne, chaos among the universe could be possible. He realised that there was order present but didnt claim it to be an impossibility. The universe to him was also seen as a development ground for intelligent life to grow and flourish in such environments provided. The next form of the anthropic principle is the argument from design. This can be associated with critics such as Paley as it appeals to instances of design among the cosmos. Using both forms it is possible to reach some kind of conclusion about the design and purpose of the universe. We could say that the Bible cannot always be taken literally but we should not overrule the theories included. In some instances, design could be present but not totally confirmed. It seems as though for every breakthrough there is a downfall when discussing the Teleological argument. Maybe we should be more open-minded and develop new ways of thinking like Darwin. Even so we must take into account the previous comments and theories used time and time before if we are to reach any justified conclusion. I believe that the cosmos does indeed shoes sign or regularity, perhaps pointing toward design but not concluding design. I can see the reasons behind such claims but cannot back them as I believe that the universe could just as easily have been formed by chance or possibly the big bang. I would say that the Biblical account is more about a story than fact, as the people who wrote it had no knowledge of the scientific discoveries around now such as natural selection. I am just as confused and un-convinced as before, but hold greater knowledge of the factors effecting the way we discuss and think about the way in which we view the Design Arguemnt.

Sarbanes-Oxley Act Article Essay Essays

Sarbanes-Oxley Act Article Essay Essays Sarbanes-Oxley Act Article Essay Essay Sarbanes-Oxley Act Article Essay Essay Section 404 of the Sarbanes-Oxley ActThis article reappraisal is on the article written by David S. Addington called â€Å"Congress Should Repeal or Fix Section 404 of the Sarbanes-Oxley Act to Help Create Jobs. † The Heritage Foundation published the article on September 30 2013. In the article. the writer addresses concerns among companies remaining in conformity with Section 404 of the Sarbanes-Oxley Act. The writer indicates that subdivision 404 of the Sarbanes-Oxley act has caused a fiscal load on companies. Companies spend a big sum of money to remain in conformity with the ordinances on subdivision 404 of the Sarbanes-Oxley Act. Furthermore. companies could utilize the money spent on scrutinizing fiscal records to put in more concern lines and make more occupations ( Additon. 2011 ) . Section 404 of the Sarbanes-Oxley Act requires companies to include a statement of the duty of the company direction for â€Å"establishing and keeping an equal internal control construction and processs for fiscal reporting† along with their study filed with the Securities and Exchange Commission ( SEC ) . The one-year study must include an appraisal of the effectivity of the company’s internal control construction and processs for fiscal coverage. followed by holding a registered public accounting house â€Å"attest on. and study on the appraisal made by the direction. † This facet of the statute law requires companies to document of import fiscal paperss along with the reappraisal from the certified public accounting house ; it requires enormous attempt and big sums of money for companies to follow with this facet of the Sarbanes-Oxley Act ( Additon. 2011 ) . The writer indicates that companies can utilize the money spent by companies to remain in conformity o n other concerns lines ; making more occupation chances and profiting the economic system. The writer demands that Congress should analyze whether subdivision 404 is needed. and if so. how to cut its dearly-won load on concerns. Modifying or revoking subdivision 404 of the Sarbanes-Oxley Act can liberate concerns to excite the economic system ( Additon. 2011 ) . Businesses must remain in conformity with the jurisprudence to run expeditiously at all times. Companies should remain in conformity to acquire the assurance and trust from investors. The 2012 Sarbanes-Oxley Compliance Survey listed where companies stand on reexamining cost. clip. attempts. processes to remain in conformity with the ordinances. Approximately 35 % of midsize organisations spend from $ 100. 000 to $ 500. 000 yearly. and about 80 % spend $ 1 million or less. By twelvemonth four of Sarbanes-Oxley conformity. most organisation are passing $ 100. 000 to $ 500. 000 yearly ( 2012 Sarbanes-Oxley Compliance Survey ) ; this is comparatively a little sum of money compared the entire sum the company really makes. The Sarbanes-Oxley act protects the populace from unethical behaviour by companies. If the authorities does non keep companies accountable for their funding. it will take to unconfident investors in the market ; if the populace is non puting in concerns the economic system will non be better. The award the company pays to remain in conformity with the Sarbanes-Oxley Act is at the right monetary value. accomplishing trust. and assurance from the popula ce. MentionsDavid S. Addington â€Å"Congress Should Repeal or Fix Section 404 of the Sarbanes-Oxley Act to Help Create Jobs. † The Heritage Foundation. September 30. 2011. Web. Retrieved from: hypertext transfer protocol: //www. heritage. org/research/reports/2011/09/congress-should-repeal-or-fix-section-404-of-the-sarbanes-oxley-act-to-help-create-jobs 2012 Sarbanes-Oxley Compliance Survey. Retrieved from: hypertext transfer protocol: //www. protiviti. com/en-US/Documents/Surveys/2012-SOX-Compliance-Survey-Protiviti. pdf

Niels Bohr and the Manhattan Project

Niels Bohr and the Manhattan Project Danish physicist, Niels Bohr won the 1922 Nobel Prize in Physics in recognition of his work on the structure of atoms and quantum mechanics. He was part of the group of scientists that invented the atomic bomb as part of the Manhattan Project. He worked on the Manhattan Project under the assumed name of Nicholas Baker for security reasons. Model of Atomic Structure Niels Bohr published his model of atomic structure in 1913. His theory was the first to present: that electrons traveled in orbits around the atoms nucleusthat the chemical properties of the element was largely determined by the number of electrons in the outer orbitsthat an electron could drop from a higher-energy orbit to a lower one, emitting a photon (light quantum) of discrete energy Niels Bohr model of atomic structure became the basis for all future quantum theories. Werner Heisenberg and Niels Bohr In 1941, German scientist Werner Heisenberg made a secret and dangerous trip to Denmark to visit his former mentor, physicist Niels Bohr. The two friends had once worked together to split the atom until World War II divided them. Werner Heisenberg worked on a German project to develop atomic weapons, while Niels Bohr worked on the Manhattan Project to create the first atomic bomb. Biography 1885 - 1962 Niels Bohr was born in Copenhagen, Denmark, on October 7, 1885. His father was Christian Bohr, Professor of Physiology at Copenhagen University, and his mother was Ellen Bohr. Niels Bohr Education In 1903, he entered Copenhagen University to study physics. He received his Masters degree in Physics in 1909 and his Doctors degree in 1911. While still a student he was awarded a gold medal from the Danish Academy of Sciences and Letters, for his experimental and theoretical investigation of the surface tension by means of oscillating fluid jets. Professional Work Awards As a post-doctoral student, Niels Bohr worked under J. J. Thomson at Trinity College, Cambridge and studied under Ernest Rutherford at the University of Manchester, England. Inspired by Rutherfords theories of atomic structure, Bohr published his revolutionary model of atomic structure in 1913. In 1916, Niels Bohr became a professor of physics at the University of Copenhagen. In 1920, he was named director of the Institute of Theoretical Physics at the University. In 1922, he was awarded the Nobel Prize in Physics ​for recognition of his work on the structure of atoms and quantum mechanics. In 1926, Bohr became a Fellow of the Royal Society of London and received the Royal Society Copley Medal in 1938. The Manhattan Project During World War II, Niels Bohr fled Copenhagen to escape Nazis prosecution under Hitler. He traveled to Los Alamos, New Mexico to work as a consultant for the Manhattan Project. After the war, he returned to Denmark. He became an advocate for the peaceful use of nuclear power.

Country Analysis Essay Example | Topics and Well Written Essays - 500 words

Country Analysis - Essay Example Leaders who are charismatic are perceived to have a strong impact on their fan base or followers (Sotik et al 2002). Such leaders show dominance, self confidence and extraversion. They employ emotional appeals instead of authority (Yulk 2006) to elicit obedience from followers. Thinking of France, this form of leadership has been adapted very well. Despite the French being collective, they were not ready to be subjected to authority. Moreover, France tends to deject coercion into altering their ways. Such conditions are always needed from followers inspired by transformational leadership (Strang 2005). In contrary, French followers are likely to be influenced by a leader who is charismatic as they have a feeling of obedience to him. This appeals to the French as they believe in free will and the right to do whatever they want (laizzes faire). The similarity between the value of followers and vision in a charismatic leader and followers’ conception show why the style is effective in France. The style is relevant to charismatic leadership but direct approach in this style makes the difference. The literature implied transformational leadership made the followers loyal, trust and admire and have respect for the leaders while the followers had the motivation to extend beyond expectation. In other studies, there was a suggestion that transformational leadership changed and followers be induced by giving them instructions on criticality of objectives to attain. Therefore, the leaders made followers to be impelled to give up their aspirations for team’s or organization’s benefit. In his previous works, Yulk (2006) stated that contingencies in which transformational style was probable to spring was in an unstable and dynamic environment, a friendly and flexible one to innovation. Nevertheless, the French never considered innovation friendliness to be a

Advertising plan for Vodafone Assignment Example | Topics and Well Written Essays - 2500 words

Advertising plan for Vodafone - Assignment Example In the current world, it’s not only about sending text messages and vocal communication; there is also the need to send photos, videos etc.  Vodafone  provides all these options. Because of all these facilities more customers are attracted to  Vodafone. Their Broadband services are also used by most of the customers. Apart from the products and services they offer, they have started a Vodafone Group Foundation. The fund of this foundation is collected from the Vodafone Group annually. The Foundation has been started in more than 25 countries and they are involved in many community involvement and social activities.   Vodafone was awarded the UK's first mobile license in the year 1982. They started the first international mobile roaming service in the year 1991.In 2002 they started providing the facility to access internet in mobile. Apart from all these, recently they started the Vodafone money transfer service through mobile. Through this the customers can send and re ceive money through safest and easiest way. Vodafone have around 45% stake on Verizon Wireless services. They acquired a company named Telsim from Turkey in the year 2006 with an investment of around 2.5 billion Euros. In 2007 they acquired a company Vodafone Essar and entered into the Indian Mobile Market with an investment of around 5 billion Euros. The Vodafone Group is listed in the Stock Exchanges of London and NASDAQ and the headquarters of Vodafone is in London. Vodafone is mainly based on Middle East, Europe, Africa, United States and Asia Pacific. They have expanded their network in other countries also. Partner Market Agreements were made between Vodafone and their partners. With their co-operation, they entered into the marketing of global products and services with different levels of brand. By this strategy  Vodafone  enters into different countries and expanded their network and made their partners and customers getting more values and services. Also for the Vodafo ne customers who are travelling to other countries, they no need to invest again in that country because of this facility and they can make use of their partner network. The main products of Vodafone are  Vodafone live,  Vodafone Connect to Friends, Vodafone Euro-traveller,  Vodafone Mobile Connect USB Modem,  Vodafone 710,  Vodafone Freedom Packs, Vodafone at Home and Vodafone Money Transfer. In 2009 Vodafone launched a new business unit for health named as mHealth.   In 2010, they launched another product named  Vodafone 150. It is labelled as the world's cheapest mobile phone. Some of the main markets of Vodafone are Germany, Spain, UK, Netherlands, Turkey, Portugal, Greece, Romania, Hungary, Ireland, New Zealand etc. In these countries Vodafone have 100% ownership. In South Africa 94% of the stake is owned by Vodacom Group and from these 94%, 65% is owned by Vodafone Group. In Italy 76% of stake is owned by Vodafone. In India 65% of stake is owned by Vodafone. Voda fone also invested in a company named  Safari com  it is a market leader in Kenya and it has an ownership of 40%. They have around 25 million subscribers. They have an indirect investment of 4% in Bharti Airtel. Product & Service A wide range of services are offered by Vodafone. A few of them are 1) Voice 2) Messaging 3) Data and fixed line solutions and devices to assist customers in meeting their overall communication

Important Skills To Teach Children

Important Skills To Teach Children Has your child ever thrown a temper tantrum at the check register when you said no to a candy bar? (Sheldon) Most parents have had this experience with their child at some point, and at the time the parent may feel like their child will never grow out of this. There are things parents can teach their child to make these situations become less frequent. Parents should teach their child how to deal with these situations, and respond with a better reaction, which comes from self-control. However, sometimes parents can fail at teaching their child these important skills and values because they are more concerned about being their childs friend, and not being their parent which can lead them into influencing their child in the wrong ways. Even though sometimes parents can influence their children in the wrong ways , one of the most important skills and values parents can teach their children is self control because having self-control can lead to better social skills, and money management skills, and with having these skills and values will lead the child to a more successful life. In todays society more and more parents are becoming more concerned about being their childs friend then parenting them.Teaching self-control has become a big focus for early childhood education. (Shute) Parents need to focus on teaching their children these skills and values in the childs younger years. With failure to teach their children these skills when they are younger can cause the child to have a more difficult future. Parents need to step up and stop trying to be friends with their children when they are younger, in order to teach their kids the skills that will mold their future. When parents have the wrong attitude toward their child, their negativity can play a big role with the influences the parent has on them. The informal education that the family provides for their children makes more of an impact on a childs total education than the formal education system (Northrup) Parents are the childs first teachers, and if parents fail to teach important skills to their child, it could possibly affect their childs future. Having a caring parent in a childs life is one of the strongest influences towards the child having a successful life.(Northrup) If parents fail at this, their child will suffer in the long run because of the lack of the strong positive influences they need from their parents. A new study says that self-control makes the difference between getting a good job or going to jail, and we learn it in preschool. (Shute) Parents desperately need to be a part of their childs life, teaching them the important skills and values that will shape the rest of their life. Children need their parents to be there for them and teach them the skills and values needed, so they can have a successful life. Even though parents can influence their children in the wrong ways, one of the most important skills and values any parent can teach their children is self control. Having self control can lead to better social skills and money management skills. Self control is something that needs to start being taught at a young age. By learning self-control, kids can make appropriate decisions and respond to stressful situations in ways that can yield positive outcomes (Tyna). When kids learn this at younger age, it will only benefit them in the years to come. They will be able to make better decisions, and respond to difficult situations in a way that will help them gain a better and brighter future. For example, if you say that youre not serving ice cream until after dinner, your child may cry, plead, or even scream in the hopes that you will give in.(Tyna) With self control, the child can see that throwing a huge fit will only get the ice cream taken away, but if they wait patiently without ha ving a temper tantrum, they will get their ice cream. Another example that shows that having self control can lead to better social skills and money management skills is, It is widely believed that the everyday experiences in relationships with their parents are fundamental to childrens developing social skills (Mize) Parents need to take advantage of this precious time they have with their children. When their child is young, it is important to start being a positive influence in their lives. Being a positive influence can give their children the confident they may need to develop better social skills. Children look to their parents to learn these important skills, so when children looks to their parents for social skills, the parents need to be a positive influence. With self control, parents will see their child stand out with their social skills among other children, and they will be able to use these social skills in whatever they do in their future. Along with having better social skills, children with self control will also make wiser money management decisions. In addition to providing for their childrens immediate needs, parents need to provide for their childrens future temporal needs by teaching them to be financially independent adults.(Sheldon) Teaching your child how to manage money will only benefit them later in life. Parents, who teach their child how important managing money is and how to manage it, will have great success in their adult years. If children learn to make smarter money decisions now, they will take that with them the rest of their lives. Teaching children money-management skills takes practice and patience. Both parents and children will have to make adjustments and correct themselves when they make mistakes. (Sheldon) It will take time and patience for both the parent and child when they are learning the importance of money and how to handle money. Learning about how to manage money can start as young as the age of 3 years old.(Sheldon) It is never too early for parents to start teaching their child. So, whenever kids start asking and wondering about money, it is a good time to start teaching them about the importance of making wise money decisions. It does not matter the age that parents start instilling these skills into their child because they will grow with them all though their life, making the children more successful in their future. The most important skills and values parents can teach their children is self control because having these skills/values leads to better success later in life. Parents teaching these values to their children at a young age will help them, The children who struggled with self-control as preschoolers were three times as likely to have problems as young adults.(Shute) Learning self control at a younger age will simply put the child ahead and make their future a more successful one. Parents have the responsibility to teach their children these skills that will ultimately play a part in how successful the childs success is later in life. Another example that shows that having these skills/values leads to better success later in life is: The later you wait in life to try to learn self-control skills, the more problems you have to reverse and overcome.(Shute) Parents need to start instilling this knowledge when their child is young so the child can start learning how to make important decisions based the right choice not on how they feel. Having self control can help them either if it is with their social skills or with money management. Having these skills will also benefit them their whole life, not just when they learn them. Having good self control is a lot like learning math, starting off with the basic adding and subtraction, and then go into more depth from there. With self control by learning the basics first, it then allows learning more skills because of the presence have self control. So, parents need to start teaching their child these important skills and values at a young age. Some of the important skills and values parents can teach their children are self control for two main reasons. First, having self control can lead to better social skills and money management skills, but most importantly, having these skills and values will lead to better success later in life. It is important that these skills and values are taught to children when they are young. Parents are the first teachers any child will have, and they need to set the example for their child. Parents should live a life that they want to see reflected into their children. When these skills and values are beginning to be taught, parents need take the time however long it make take, letting the child know that they care and are doing this for them. Children will not like the process in which it takes to teach self control. There will be many fits thrown, but at the end of it all parents will see their child having a better and brighter future. So, having a child with self control, parents will no longer be the ones with the screaming child at the cash register having a melt down because they are not getting what they want.

Old-Age Pension Reform in China

-aAvailable online at www. sciencedirect. com Journal of Aging Studies 22 (2008) 74 – 87 www. elsevier. com/locate/jaging Old-age pension reform and modernization pathways: Lessons for China from Latin America Esteban Calvo ? , John B. Williamson Department of Sociology and Center for Retirement Research, Boston College, Chestnut Hill, MA 02467 USA Received 31 July 2006; received in revised form 26 January 2007; accepted 26 February 2007Abstract While numerous Western countries first experienced cultural rationalization, next economic modernization, and then faced the challenges of population aging and pension policy reform, both Latin America and China, in contrast, are dealing with these challenges in the context of much less developed economies and stronger traditional cultures. In this article we analyze old-age pension reform efforts in eight Latin American countries that have introduced funded defined contribution schemes with individual accounts.We are searching for ins ights about the potential success of similar reforms being implemented in China. All of these societies are organized primarily around the principles of family, reciprocity, loyalty and poverty. Our analysis suggests that these distinctive characteristics have important implications for the likely success of the reforms currently being implemented in China, particularly in four interrelated areas: coverage, compliance, transparency, and fiscal stability.  © 2007 Elsevier Inc. All rights reserved. Keywords: Pension reform; China; Latin America; Social Security; Culture; Economy; Rationalization . Introduction Latin America is a pioneer with respect to the shift from old-age pension schemes based on pay-as-you-go (PAYG) defined benefit models to schemes based all or in part on funded individual accounts. In 1981 Chile became the first nation to make the shift with the introduction of mandatory fully-funded privately managed individual retirement accounts (IRAs). Today there are 12 L atin American countries that have shifted to schemes influenced by the Chilean model (Gill, Packard, & Yermo, 2005; Kritzer, 2005). ? Corresponding author. E-mail addresses: [email  protected] du (E. Calvo), [email  protected] edu (J. B. Williamson). 0890-4065/$ – see front matter  © 2007 Elsevier Inc. All rights reserved. doi:10. 1016/j. jaging. 2007. 02. 004 On the opposite side of the earth, China is following a similar path, though the Chinese IRAs are currently publicly managed and remain largely unfunded (Jackson & Howe, 2004). Since 1995 China has introduced a number of reforms, the most important of which were promulgated in 1997 and 2000. By 2025, one quarter of the world's population aged 60 and over will be living in China (United Nations, 2005).For this reason the success or failure of the reform of China's old-age pension system will affect a major proportion of the world's elderly population (Williamson & Shen, 2004). In many respects the reforms in China have not been working out as had been intended. The major problems faced by the old-age pension reform in Latin America appear again in the newly introduced reforms in China. These problems include low coverage and compliance rates, poor transparency, and serious fiscal difficulties. E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 5 Our analysis tries to obtain insights about the potential consequences of reforms currently being introduced in China based on evidence from eight Latin American countries – Argentina, Bolivia, Chile, Colombia, El Salvador, Mexico, Peru and Uruguay – that introduced some form of funded IRAs (partial privatization) between 1981 and 1998. Four other countries – Costa Rica, the Dominican Republic, Ecuador, and Nicaragua – are not included because their reforms are so new, because they are not yet fully implemented, or due to the lack of information.Many differences can be found between the Latin Ameri can countries, and perhaps even more between them and China. For example, Latin American countries have undergone a variety of political regimes, but none of them has been close to Chinese communism. Differences acknowledged, our analysis emphasizes the major cultural and economic factors shared by the countries analyzed. We argue that the eight selected Latin American countries and China are strong traditional cultures and low-income economies characterized by the centrality of: (1) the family, (2) reciprocal relationships, (3) rules of loyalty, and (4) poverty.Our analysis highlights the role of these factors in shaping the unfolding of the pension reform process with respect to four areas: (1) coverage, (2) compliance, (3) transparency, and (4) fiscal stability. The role of the cultural and economic factors considered in this article has been largely overlooked in the literature on pension reform. Much of this literature focuses on political factors, such as the welfare state, co mmunism, and the World Bank policies (e. g. Esping-Andersen, 1996; Fox, 1997; Frazier, 2004; Myles & Pierson, 2001).In this article our focus is on Latin America and China, but we find it essential to make some comparisons with the Western European nations. The latter will be characterized as rationalized cultures and affluent economies displaying centrality of: (1) the institutions supporting elderly, (2) individual financial planning, (3) legality, and (4) wealth. Although a detailed analysis of Western European countries is beyond the scope of this paper, the comparison has important advantages.A comparative perspective calls attention to the factors shared by Latin America and China. In addition, the Western European nations constitute a reference point that can be used to provide all observers with a common frame through which to assess the pension reform in Latin America and from which to speculate about some of the challenges China will face in connection with pension changes currently being implemented. But above all, the comparison to Western European nations helps to uncover some of the nderlying assumptions of these pension reforms that do not entirely hold for Latin America and China. In a somewhat oversimplified formulation, these assumptions are: (1) preeminence of formal-institutional support systems of the elderly, (2) emphasis on individual responsibility for financial planning, (3) zealous attachment to the law, and (4) perception of old-age poverty as an isolated problem. Formulated in a more general way, we will argue that the reforms fail to account for some of the major cultural and economic characteristics shared by Latin America and China.Fig. 1 and Table 1 provide a brief summary of a number of key points that we have briefly introduced above, but more importantly they also serve as guide to much of the analysis which follows. 2. Modernization pathways Population aging and with it the associated problems of reforming the old-age pensio n systems are taking place around the world. However, the challenge of pension policy reform is context-specific. In Latin America and China, this challenge is framed in the context of a traditional culture and low income economy.This claim should be understood in relative or comparative terms: Latin America and China contrasted to the Western European nations. In this section we will use the construct â€Å"modernization pathway† to describe broad historical transformations of the culture and the economy that precede the old-age pension reform and are common to a number of countries. We will consider two modernization pathways, one that fits a number of Western European nations and a second which better fits China and Latin America. Both can be viewed as Weberian ideal types (Weber, 1949, 1958).They are not meant to correspond to all of the characteristics of any particular country, but rather to highlight common elements that play an important role in the pension policy ref orm acceptance and effectiveness. The Western Pathway is limited here to the Western European countries, though it may be – carefully – extended to a few Western countries outside Western Europe. Southern European countries (e. g. Spain, Portugal and Italy) are more culturally similar to Latin America and for this reason were excluded from the pathway described here.The United States was also excluded because its exceptionalism adds unnecessary complexity to the typology (Lipset, 1996). However, the United States shares many characteristics of the Western European nations and is also influencing the pension reform in Latin America and China, as proponents of 76 E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 Fig. 1. The challenge of population aging for the pension system has come through dissimilar modernization pathways. world system and dependency theories have pointed out repeatedly (Wallerstein, 2004).Culture is one important domain wh ere the Pathway of Latin America and China differs from the Western Pathway (Fig. 1). Latin America and China are both facing the challenge of population aging for their pension systems in the context of much stronger traditional cultures than found in the West. The Western Pathway, in contrast, is characterized by a deeply rationalized culture. According to Max Weber (1968) the process of rationalization tends to foster and to be associated with secularization and the view that everything is explainable by reason, at least in principle (Giddens, 1971; Kalberg, 1994; Lash & Whimster, 1987).In behavioral terms, rationality involves a second meaning: greater reliance on means-ends calculations designed to organize activity so as to more efficiently reach a particular goal. One indicator of the level of rationalization in a society is a strong and uncorrupt formal legal system which fosters a social order based in large measure on laws, not just traditional cultural practices. Fig. 2 s uggests that corruption levels are lower in Western European countries than in China and in most Latin American countries.Although a traditional culture may have a formal legal system, the social order may be less based on these laws than in Western countries (Sandholtz & Taagepera, 2005; Treisman, 2000). In China, for example, if there is a dispute between two families, rather than engage lawyers and courts, people may turn to spirit-mediums, respected in the community, familiarized with the parties involved and local history, and thus qualified to suggest solutions that are acceptable to both sides (Adler, 2002).Such evidence suggests that China and Latin America have not undergone as profound a rationalization process as have the Western European nations. Economy is a second important domain where the Pathway for Latin America and China differs from the Western Pathway (Fig. 1). In contrast to Western countries, Latin America and China are also facing the challenge of rapid popul ation aging before reaching high levels of national income. Despite rapid economic growth since the early 1980s, China is still a poor country.In 2001, more than 16% of the Chinese population was living on less than one dollar per day (World Bank, 2003). In Latin America, one-fifth of the total population lives in extreme poverty and almost half in poverty (ECLAC, 2004). Fig. 3 illustrates the recent trends in Gross Domestic Product (GDP) per capita of the Western Pathway in comparison to the trends for China and Latin America. While this data covers a very recent time period, it is consistent with and lends support to the Weberian idea that in Western Europe the rationalization process is followed by a prosperous capitalist economic development.Summing up, only after becoming rational and affluent societies do the Western countries start facing the challenge of a rapid population aging and the associated need for pension system reform. Clearly this is not the case of Latin America and China, which have Table 1 Modernization pathways and areas of challenge for old-age pension system reform China and Latin America1 Family (xiao) Reciprocity (chung) Loyalty (zhong) Poverty 1 Western Countries Institutions Individual Planning Legality Wealth Old-age pension reform Coverage Compliance Transparency Fiscal stabilityThe pinyin system of Romanization has been used for Chinese terms for Confucian virtues. E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 77 Fig. 2. Western countries are perceived as less corrupt than China and Latin America (Transparency International, 2005). much stronger traditional cultures and have not yet reached the Western European level of economic development (Fig. 1). However, these distinctive characteristics have received little attention in the design of pension reforms or in efforts to evaluate the efficacy of these reforms in Latin America and China (Gill et al. 2005; Holzmann & Hinz, 2005; Mesa-Lago, 2005; Wil liamson & Deitelbaum, 2005; World Bank, 1994, 1997). Many have argued that religion is one of the most important factors explaining the differences between Western Europe and China and Latin America (Cousino 1990; Cousino & Valenzuela, 1994; Morande, 1984; Weber , 1951, 1963, 2002). Chinese Confucianism and Latin American Marianism – the Catholic adoration of the Virgin Mary – have been said to lack the elements central to the Protestant ethic that would bring about an early and profound rationalization process and capitalist development.Max Weber posed the question: why did the modern West develop the way it did, and why did China not develop at the same time and in the same way as the West? He focused on a number of factors that distinguish European modernization from that of China arguing, for Fig. 3. The western pathway is characterized by wealth (International Monetary Fund (IMF), 2005). 78 E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74– 87 example, that Western European countries were characterized by the separation of the productive enterprise from the household, while China was organized on the basis of extended kinship clans (Weber, 1961).But the most important difference Weber (1951, 1963, 2002) highlights is that between European Protestantism and Chinese Confucianism. Protestantism is based on an ethic that prompts an active attitude to change the world and places an emphasis on the individual. Confucianism is an ethic of adjustment to the world; it accepts things as they are and promotes a contemplative, mystical and passive attitude that tends to prolong ancient traditions. In this sense, Confucianism lacks the active tension that exists between Protestant religion and the world.That is, it lacked a â€Å"mentality† or â€Å"moral energy† suited for the early emergence of modern capitalism and a rationalized social order. Similarly to Weber's comparison of Confucianism to Protestantism, Latin American Sociologists contrast Marianism with Protestantism (Cousino, 1990; Cousino & Valenzuela, 1994; Morande, 1984). The â€Å"ethic† of Marianism is that of grace and mercy rather than individual merit and responsibility. Mary is viewed as a mother-like figure with compassionate attitude towards offenders and willingness to grant favors. She recompenses devotion with clemency and unmerited divine concessions.Accordingly, Marianism – as is the case with Confucianism – lacks the â€Å"moral energy† that would bring about a profound rationalization process and early capitalist development. Note that this is an historical argument. Hence, we are not arguing that China or Latin America can not develop (or will not at some point in the future) a rationalized culture or modern capitalism; rather, we are arguing that they did not do so before and in the same way as the West. Actually, between the 1960s and 1980s, Latin America and China were actively trying t o rationalize their cultures, though the results of these efforts were modest.The rationalization efforts in China and Latin America were driven by the desire to emulate the Western countries and not the same differentiated culture that drove the rationalization process in Western Europe. We will use the term â€Å"differentiated culture† to refer to a culture in which people are confronted with conflicting world views (e. g. , Protestant vs. Catholic) and contrast it with a traditional culture in which everyone shares basically the same world views and assumptions.A differentiated culture was found on Western Europe during the sixteenth century, when the Protestant Reformation and related religious controversies split the traditional Catholic unity of the region. A differ- entiated culture does not provide an adequate level of social integration and requires the creation of rational arrangements to assure social order (Cousino & Valenzuela, 1994). In Latin America and China the rationalization effort took place in the context of a less differentiated culture and as a result the rationalization process has been less pervasive in these regions than in West.For example, during the Cultural Revolution (1966– 1976) the traditional culture was harshly attacked in China: temples were destroyed and Confucianism was declared an outdated ideology and popular religion mere superstition. However, starting with the 1980s there is widespread evidence of a strong revival of traditional religious practices and beliefs (Adler 2002; Lagerwey, 2004; Overmyer, 2003). Temples are being re-built and devotion to local deities continues to thrive. Festivals, rituals, dances, processions, communication with supernatural beings, fengshui, and popular medicine are now part of ordinary life for any Chinese people. Altars for ancestors and patron deities are found in many households. Confucianism remains at the core of the cultural unity of China, albeit more as an ethical philosophy or system of thought than as a formal religion. Similarly, Latin America has not experienced the level of cultural differentiation found in Western Europe. Latin American Sociologists argue that Latin American culture remains integrated by the values and norms underlying â€Å"Marianism† (Cousino, 1990; Cousino & Valenzuela, 1994; Morande, 1984).Just to remind, these claims should be understood in comparative terms: Latin America and China are strong traditional cultures relative to the West. It is also important to note that numerous factors other than religion may have influenced the modernization pathways. However, describing these factors goes beyond the scope of this article. The point that we want to stress here is the disparity between the modernization pathways of China and Latin America as opposed to Western Europe.To summarize, for the countries under consideration there is a difference in the type of cultural and economic transformations that have preced ed the challenge of rapid population aging and the associated need for pension reform. There has also been a difference in the timing of these processes. While numerous Western countries first experienced cultural rationalization, next economic modernization, and then faced the challenges of population aging and pension policy reform, both Latin America and China are dealing with these challenges in the context of much less developed economies and stronger traditional cultures (Fig. ). E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 79 3. Pension reform in low-income traditional societies Latin America and China both have traditional cultures and low-income economies. As defined here, a â€Å"traditional culture† is organized around three principles: family, reciprocity, and loyalty. In comparison, a â€Å"rationalized culture† is organized around institutions, planning, and legality. In this case the traditional cultures are also low-incom e economies characterized by poverty while the rationalized cultures are developed economies characterized by ealth (Table 1). Note that the separation of traditional and rational does not imply that traditional cultures are irrational. Conflicting principles can coexist in the same culture, but typically one has preeminence over the other. Drawing evidence from Latin America, in this section we argue that the modernization pathway preceding the aging challenge in China will shape the challenge to the old-age pension system reform in four interrelated areas: coverage, compliance, transparency, and fiscal stability (Table 1).Coverage: old-age pension institutions and family The effects of the pension reform on coverage rates in Latin America have been largely discussed in previous literature (Arenas de Mesa, 2000; ECLAC, 2006; Gill et al. , 2005; Jimenez & Cuadros, 2003; Mesa-Lago, 2004; Packard, 2002). There is not much agreement about what measure of coverage should be used. Howeve r, regardless of the indicator used, for most of the countries analyzed a substantial fraction of the popula- tion is left without coverage (Table 2).For a detailed discussion of the reason for the discrepancies between these various indicators see Rofman (2005). As with Latin America, a large fraction of the Chinese population is left without coverage. About two-thirds of Chinese workers live in rural areas and in those areas only about 11% of these workers are covered by a formal-institutional pension system. Coverage goes up to 55% of the workforce in urban areas, although even this level of coverage is insufficient by Western standards. Overall, three out of four Chinese workers have no pension coverage at all (Jackson & Howe 2004).It is generally agreed by most Chinese policymakers that it is not feasible at this point in time to extend coverage by the formal-institutional old-age pension institutions to the vast Chinese rural population, despite the high level of rural old-age poverty (Williamson & Shen, 2004). Based on analogous pension reform efforts in a number of Latin American countries, it does not seem likely that current reform efforts in China are going to substantially increase coverage any time soon (Arenas de Mesa, 2000; ECLAC, 2006; Gill et al. 2005; Jimenez & Cuadros, 2003; Mesa-Lago, 2004; Packard, 2002). Today most Chinese rely heavily on family networks for support. According to the 2000 census data, about two-thirds of those age 65 and over live with their children (Table 3). This tendency is particularly strong for elderly women living in rural areas. The lack of formal-institutional pension coverage for most elderly Chinese and the evidence from Latin America suggesting that coverage may not substantially increase any time soon, leads us to the conclusion that in ChinaTable 2 In Latin America pension system reform has left a substantial fraction of the population without coverage a Country Coverage before the reform Coverage after the reform Contributors/economically active population (year) Chile Argentina Mexico Uruguay Colombia Peru El Salvador Bolivia a b Other indicators of coverage after the reform Contributors/economically Contributors/employed Contributors/wageBenficiaries/population active population b (2002) persons b (2000–2003) earners b (2000–2003) age 65+ c (2000–2003) 0. 58 0. 26 0. 33 0. 45 0. 18 0. 12 0. 22 0. 11 0. 63 0. 40 d 0. 39 0. 65 d – 0. 14 0. 32 0. 11 0. 77 0. 55 d 0. 2 0. 79 d – 0. 31 0. 53 0. 29 0. 64 0. 68 d 0. 19 0. 87 d 0. 19 0. 24 0. 15 0. 15 0. 64 (1980) 0. 50 (1994) 0. 37 (1997) 0. 32 (1997) 0. 32 (1993) 0. 31 (1993) 0. 26 (1996) 0. 12 (1996) Adapted from AIOS, 2005; Mesa-Lago, 2005; and Rofman, 2005. These measurements could overestimate coverage for workers doing sporadic contributions, or underestimate coverage for workers not doing contributions but covered by non-contributory pensions. c This measurement could underestimate coverage for sp ouses of beneficiaries, for individuals who continue working and delayed the benefits, and individuals receiving non-contributive benefits. Information for urban areas. 80 E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 Table 3 The majority of Chinese elders live with their children1 Rural Urban Rural-urban combined Males Living alone 8. 7 7. 7 8. 4 With spouse only 26. 3 33. 7 28. 8 With spouse and other, not with children 0. 7 0. 8 0. 7 With spouse and children 36. 5 39. 0 37. 4 With children, not with spouse 25. 6 16. 8 22. 6 With others, not with spouse and 1. 9 1. 3 1. 7 children Institution 0. 3 0. 7 0. 4 Grand total 100. 0 100. 0 100. 0 Subtotal of living with spouse 63. 73. 5 66. 9 Subtotal of living with children 62. 1 55. 8 59. 9 Females Living alone 9. 8 12. 4 10. 7 With spouse only 17. 9 21. 3 19. 1 With spouse and other, not with children 0. 3 0. 6 0. 4 With spouse and children 22. 8 21. 7 22. 4 With children, not with spouse 48. 1 42. 6 46. 2 With others, not with spouse and 0. 9 1. 0 0. 9 children Institution 0. 2 0. 4 0. 3 Grand total 100. 0 100. 0 100. 0 Subtotal of living with spouse 41. 0 43. 6 41. 9 Subtotal of living with children 70. 9 64. 4 68. 7 1 of the family in the Latin American culture.There is no reason to expect a different outcome in China. The Confucian ethic of filial piety (xiao) involves respect, obedience, gratitude and the obligation to reciprocate for parents having given us life and, in comparison to the Western countries, this ethic remains very strong in China (Gu & Liang, 2000; Sung, 2000). It has been motivating children to take care of their elderly parents for centuries and will probably continue to play a role for care for the elderly long into the future (Zeng & Wang, 2003), though increasingly in combination with formal old-age pension institutions.The assumption made by some analysts that the family support system is going to break down places the Chinese case into a conceptual fram ework better suited to the Western Pathway. But that framework overlooks the fact that China continues to be a traditional culture and it limits policymakers to considering individualized ways to support retirees, relegating the family network of support to a secondary role in the policy debate about the reform. Compliance: individual financial planning and reciprocity Closely related to the coverage problem are low compliance rates and low contribution densities.One goal of the pension reform in Latin America has been to improve incentives for workers to participate in the system and to increase personal contributions to their funded accounts. A strengthened â€Å"equivalence principle† (a linkage between contributions and pension benefits) was expected to get workers to view their contributions as investments or savings rather than as a tax. This in turn was expected to increase the incentive for participating and contributing to the system (World Bank, 1994).However, the e vidence from Latin American does not point to any such trend (Gill et al. , 2005; Jimenez & Cuadros, 2003; Mesa-Lago, 2004; Packard, 2002; Rofman, 2005). Evidence presented in Table 4 shows that compliance rates have actually decreased in Latin America suggesting that IRAs are not having the expected impact on the incentive to contribute. It is generally agreed both in Latin America and in China that some segments of the population are particularly reluctant to contribute.For example, workers in rural areas, workers in the informal sector of the economy, and low-wage workers choose savings options other than IRAs, such as housing and the education of their children (ECLAC, 2006; Gill et al. , 2005; Kritzer, 2000; Mesa-Lago, 2004; Packard, 2001; Rofman, 2005). Living arrangements for Chinese population aged 65 and over, rural urban comparison, year 2000. Adapted from Zeng & Wang, 2003. family support is likely to remain the primary source of old-age security during the foreseeable fu ture, at least in rural areas, where there is virtually no pension coverage.On the other hand, the projected demographic change for China gives us reason to questions the efficacy of the traditional family support system for meeting the economic needs of tomorrow's Chinese elderly (Gubhaju & Moriki-Durand, 2003; Zeng & Wang, 2003). In 1970, the Chinese elderly were outnumbered by children six to one, but by 2040 there will be two elderly people for every child (UN 2003). This projected demographic change will place great strain in the traditional family support system and suggests that the need for old-age pensions is going to be increasing.It is clear that the Chinese elderly will not be able to rely solely on family arrangements (Friedman, James, Kane, & Queisser, 1996; World Bank, 1997). Nonetheless, it is also true that family support networks will continue to play a very important role for many of the elderly. Examination of recent pension reform efforts in Latin America sugges t that the family performs a crucial function as a source of support and protection for the elderly, given the limited coverage of the pension system in the region (ECLAC, 2004) and the centrality E.Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 Table 4 Compliance rates have declined in Latin America a Country Argentina Bolivia Chile Colombia b El Salvalor Mexico c Peru Uruguay 1998 1999 2000 2001 2002 2003 2004 2005 48. 9 – 52. 8 – 67. 2 63. 4 45. 6 67. 4 44. 3 – 53. 4 51. 6 63. 8 60. 2 45. 7 58. 7 39. 1 – 50. 9 48. 5 53. 5 57. 9 41. 7 53. 9 29. 0 47. 0 53. 7 48. 7 53. 2 44. 7 41. 2 53. 2 33. 2 46. 9 51. 0 47. 6 47. 6 41. 7 39. 4 45. 1 35. 2 39. 0 51. 9 48. 7 46. 3 39. 3 41. 9 52. 7 35. 4 44. 9 50. 4 49. 5 41. 9 38. 39. 9 52. 5 40. 3 47. 5 51. 2 50. 6 39. 5 37. 6 36. 2 55. 7 81 a Percentage of affiliates who contributed in the past month to IRAs, December 1998–2005. Source: Mesa-Lago, 2005; and AIOS, 2005. b In 1993†“2003 contributor was an affiliate who had at least one contribution in the last six months. c In 1993–2003 contributor was an affiliate who had at least one contribution in the past two months. Why might these groups avoid contributions to a reformed old-age pension system if it is clearly strengthened with respect to the equivalence principle?We will focus on explanations connected to the modernization pathway preceding the reform. One potential explanation is that individuals are â€Å"irrational†; not contributing to the IRA reveals a myopic behavior or short planning horizon (Valdes-Prieto, 2002). Here we offer an alternative explanation: the preference for the education of one's children and housing over IRAs is a â€Å"rational† behavior for an individual in a traditional culture and in a low-income economy, where the family is a strong social unit organized around reciprocity and affected by poverty.What is considered rational in Latin America and Chin a may not be considered rational from the perspective of the Western Pathway. Numerous studies in Latin America conclude that contributing to the IRAs is too costly, particularly for low-income workers who struggle to meet immediate basic needs for survival and face the pressing consumption needs of their families (Barr & Packard, 2000; Gill et al. , 2005; Jimenez & Cuadros, 2003; Kritzer, 2000; Mesa-Lago, 2004; Packard, 2002). In Fig. 4 we present aggregate data that points to a similar trend.We see that compliance rates tend to increase as GDP per capita increases, despite evidence of some variation between nations in similar GDP per capita ranges (e. g. Mexico versus Uruguay). At the cultural level, contributing to an IRA could disrupt the cycle of reciprocity inside a family. By investing in housing and childhood education, wealth is shared and transferred among generations in a permanent cycle of giving, receiving, and returning (Bataille, 1998; Mauss, 1967), a dynamic that ass ures family support at older ages.Summing up, in a lowincome economy and a culture where reciprocity has primacy over individual financial planning, a strengthened equivalence principle is likely to have little impact on a worker's propensity to contribute to the system. As with Latin-Americans, the Chinese are severely affected by poverty and tend to show a lack of enthusiasm for IRAs (Zhao & Xu, 2002), but support for the principle of reciprocity inside the family (Bengston & Putney, 2000; Gu & Liang, 2000; Sung, 2000). Therefore, it is reasonable to hypothesize that a stronger equivalence principle is an insufficient incentive for Chinese workers to contribute.Two caveats should be mentioned when assessing ways to increase compliance rates in China. First, while the value placed on reciprocity is associated with what we call an â€Å"ethic of family savings† in China, in Latin American it occurs within an â€Å"ethic of ritual spending of wealth† (Cousino, 1990; Cou sino & Valenzuela, 1994; Fig. 4. Coverage is larger in wealthier countries (International Monetary Fund (IMF), 2005; Transparency International, 2005). 82 E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 Morande, 1984).In Latin America, reciprocity is extended beyond the family to God and nature. For example, a profuse harvest is comprehended as a gift of nature or a favor from God. The spontaneous reaction of people is to greet the benefactor with sacrifices or to spend part of the wealth received in a celebration. The popular belief is that human efforts cannot succeed without luck or divine support. This belief is confirmed in Latin American semantics, where the concepts â€Å"earning† and â€Å"winning† are indistinct: you win a wage as you win a lottery.This example illustrates Latin Americans' predisposition to spend and share wealth as if it were a prize. Individual financial planning is not based on this type of reasoning where wealt h is often attributed to God or the earth. Such behavior is more typical in cultures that attribute the origin of wealth to human work. In Chinese culture this link seems to be stronger, perhaps because land is more highly regulated and is perceived as a particularly scarce resource.The Chinese more readily save wealth than Latin-Americans, though savings may be for children's prosperity and perpetuating the principle of reciprocity. Even Chinese individuals living in foreign countries, where changes in the family support patterns are more prevalent, tend to sacrifice part of their personal gain for the well-being of their family (Lan, 2002; Wong, Yoo, & Stewart, 2006). The fact that the equivalence principle could be strengthened a lot more in China constitutes a second caveat when assessing ways to increase compliance rates (Dorn, 2004; Zhao & Xu, 2002).China has formally based its old-age pension system reform, at least in part, on funded IRAs; but in actual practice these IRAs a re often closer to the NDC (notional [or unfunded] defined contribution) model than to the funded defined contribution model (Williamson & Deitelbaum, 2005). The NDC model (also referred to as the Non-Financial Defined Contribution model) is explicated in detail elsewhere (Holzmann & Palmer 2006; Williamson, 2004; Williamson & Zheng, 2003).IRAs have been set up and a record is being kept of what has been contributed, but the government routinely diverts money from IRAs to pay pensions to the currently retired. The discrepancy between pension policy as described in government documents and what happens in actual practice, has the unintended effect of contributing to distrust and discouraging both participation and compliance. Fig. 5 suggests that transparency and credibility (high CPI scores) are associated with higher compliance rates.Corruption levels in China are similar to those of Argentina and Peru, and most likely have a negative effect on compliance rates. Transparency: legal ity and loyalty The privatization reforms in Latin America were designed to provide pension systems with a high degree of resistance to political manipulation (World Bank, 1994). However, the economic crisis in Argentina that started in the late 1990s has been attributed in part to the deficit created by the old-age pension reform and poor management of the funds (Bertranou, Rofman, & Grushka, 2003; Matijascic & Kay, 2006; Mesa-Lago, 2004).Argentina deferred its debt by selling bonds to the fund management companies. This risky behavior illustrates that the new funded systems are not immune to political manipulation and that it is important to invest in asset classes other than just government bonds. The Fig. 5. Coverage is larger in countries with better CPI score (less corrupt) (International Monetary Fund (IMF), 2005; Transparency International, 2005). E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 83 case of Bolivia is another good example.Loose reg ulations led to fraudulent interpretations of the rules for the transition, contributing to higher than expected costs (Dowers, Fassina, & Pettinato, 2001; Escobar & Nina, 2004; Gill et al. , 2005). On the other hand, Chile's better coverage can be attributed, at least in part, to its lower level of corruption. Fig. 2 shows the disparity in levels of corruption between Chile and other Latin American countries. Chile has a CPI score closer to Belgium and France, while Argentina and Bolivia have the lowest scores.China also has low CPI scores; this may foreshadow problems with corruption in the funded component of the Chinese pension system. As discussed earlier, a strong and clean legal system is an indicator of rationalization. A rationalized set of laws is needed when traditional behaviors are unable to provide sufficient social order. In traditional cultures, â€Å"loyalty† upholds order to a greater extent than â€Å"legality† and leads people to provide favors and preferential treatment to friends or relatives.When a morality based on personal relationships and favors is extended to public institutions, such as the pension system, corruption is a high risk (corruption is a judgment made from the reference point of legality). Accordingly, in a traditional culture, the shift from family support to the support of a formal-institutional pension system – either with or without IRAs – is prone to corruption. China is particularly vulnerable to corruption for several reasons (Sandholtz Taagepera, 2005).First, loyalty (zhong) is a longstanding Confucian virtue that permeates all social relationships (Adler, 2002). Second, mechanisms that facilitate regulation and supervision of the pension system have been slow to emerge (Holzmann & Hinz, 2005). Third, funds are typically invested with low public transparency in a context where there is too much money for too few opportunities (Holzmann & Hinz, 2005; Williamson & Shen, 2004). Fourth, th e money is collected, administered, and owned by the government (Dorn, 2004; Jackson & Howe, 2004; Holzmann & Hinz, 2005).Consequently, separating these roles, diversifying the investment opportunities, carefully establishing and legitimating the regulatory system, creating technical organizations of supervision, and enabling greater public access to information about fund management are all much needed steps in Chinese pension reform. Fiscal stability: economic growth and poverty reduction One of the major political selling points for the partial privatization of pension schemes has been governments' difficulty with financing the increasing pension burden associated with prior PAYG defined benefit schemes.Therefore, the fiscal stability of the new systems is fundamental to the credibility of the reforms (Dowers et al. , 2001; Gill et al. , 2005). In Latin America the fiscal burden has remained substantial, though it may have been even higher, particularly in future decades, without recent reforms. The shift to partial privatization typically calls for some form of â€Å"double payments†: payments associated to the new system, but also payments recognizing benefits and contributions for those participating in the old system (Jimenez & Cuadros, 2003; Mesa-Lago, 2000).The transition costs associated with these reforms have typically turned out to be much larger and are currently projected to last much longer than had originally been expected. Permanent costs may also increase: low rates of compliance could force the government to aid more people than initially anticipated through the minimum pension guarantee and social assistance pensions. For the region as a whole the cost of social security and social assistance taken together increased from 5. 2% of the GDP in 1990–1991 to 7. % in 2002–2003 (ECLAC, 2006). These costs are likely to be high in China as well. Fiscal difficulties have been a problem affecting the Chinese old-age pension syst em since the 1980s (Jackson & Howe, 2004; Whiteford, 2003; Williamson & Deitelbaum, 2005). Previously, State-Owned-Enterprises (SOEs) were responsible for providing pensions to their retired employees. In the 1980s the finances of the SOEs became deeply strained by the transition to a market economy and the governments' decision to stop subsidizing them.Without government support and with a declining number of workers, SOEs faced serious difficulties in providing pensions for their former workers. In response to this problem, the Chinese government has called for municipal pooling of pension obligations and contributions. This reform largely shifted the financial crisis from SOEs to the municipalities. With the 1997 reforms, the pension burden, previously shifted from the SOEs to the municipalities, was in part returned to the central government.China's long history of fiscal problems in its pension system and the evidence of pervasive fiscal problems associated with the new privati zation related reforms in Latin America suggest that the pension related fiscal burden will continue to be a major challenge for pension reformers in China. China's weak fiscal situation in the years preceding recent reforms raises concerns about how the nation will deal with the impending cost of the transition. Fig. 6 illustrates the fiscal situation of Chile, Argentina, and 84 E. Calvo, J. B. Williamson / Journal of Aging Studies 22 (2008) 74–87 Fig. 6.The fiscal strength prior to the reform is key to overstep its costs. China in the years preceding the privatization related reforms. Argentina dramatically underestimated the cost of the transition, and during its recent economic crisis paid a heavy price for this mistake. In Chile the transition cost was also very high (about 5. 7% of annual GDP during the 1980s and 1990s), but the general fiscal surplus was very helpful in dealing with this burden (Gill et al. , 2005; Mesa-Lago, 2000). Fig. 6 shows that China is in a comp aratively weak position to handle the fiscal pressures of the reform.Finding a way to finance the pension system is a problem for most countries around the world, but this problem becomes particularly acute for low-income countries, such as China and those in Latin America. However, there is an important difference between China and Latin America. The Chinese government has called for a new pension system that is based in part on funded IRAs, but due to lack of alternative ways to raise the money needed to pay promised pensions to those who are currently retired, these â€Å"funded† accounts are today for the most part unfunded.The money has been used, typically by the local government to pay pensions to those who are already retired, leaving little more than electronic records in the accounts of individual workers specifying that they have made specific â€Å"contributions† to their account and the level of the unfunded balances in those accounts. In practice, China i s using a variant of â€Å"notional accounts† as a financing strategy for the pension system (Williamson, 2004; Williamson & Shen, 2004; Williamson & Zheng, 2003).The discrepancy between the formal structure of the program and what is actually going on must be contributing to mistrust of the government and to a lack of confidence in the pension system. It must also be reducing the incentive to contribute and increasing the incentive to evade paying into the scheme. However, there are advantages to the NDC model when properly designed as the model does help to spread the transition costs over more age cohorts and it does tend to reduce administrative costs.Low-income countries face difficulties as they try to balance the aims of fostering economic growth and poverty reduction as they reform their pension schemes. It is generally assumed that the main objective for an old-age pension system is to provide at least some financial security for the elderly. In those countries with many elderly in or at risk of poverty, the need for income redistribution becomes particularly salient. Minimum and non-contributive pensions can be used to help with redistribution and poverty reduction, but they do not maximize the equivalence principle and do increase the cost of the system (Gill et al. 2005; Holzmann & Hinz, 2005; Jimenez & Cuadros, 2003; Johnson & Williamson, 2006; Matijascic & Kay, 2006; Mesa-Lago, 2004). 4. Conclusion While numerous Western countries first experienced cultural rationalization, then economic modernization, and after that faced the challenges of population aging, both Latin America and China are dealing with pension system reforms in the context of much stronger traditional cultures and less developed economies (Fig. 1).The analysis presented in this article suggests that these distinctive characteristics have shaped the consequences of the reforms in Latin America and will likely do so in China. Specific challenges arise in the context of a tr aditional culture and a low-income economy where society is organized around the principles of family, reciprocity, loyalty, and poverty (Table 1). One of the most predictable challenges will be the coverage problem. Most Chinese elderly are not covered by formal old-age pension E. Calvo, J. B.Williamson / Journal of Aging Studies 22 (2008) 74–87 85 institutions and currently rely only on traditional family support. There is no evidence from the Latin American countries that have introduced pension reforms calling for partial privatization suggesting that coverage for the Chinese system is likely to approach universality in the foreseeable future. Therefore, the family unit, the traditional source of well-being at older ages, seems likely to continue being the major pillar of the old-age security, particularly in rural areas.However, in the decades ahead the Chinese elderly will with increasing frequency find that their families are not in a position to provide the needed sup port. The need for formalinstitutional pension coverage will be increasing rapidly in the years ahead. A key question will be whether the recent reforms calling for partial privatization will in the end undermine or strengthen traditional family networks of support and filial piety. Low compliance rates are another major challenge for China. Although incentives to contribute have improved, the current low compliance rates point to a preference for old-age security based on reciprocity (e. . investments on children's education) rather than individual financial planning. Strengthening the equivalence principle that links contributions and benefits could stimulate compliance for some. Nevertheless, those used to living in poverty, particularly in rural areas, may resist efforts to encourage individual financial planning and may prefer to sacrifice part of their modest wealth for the family. It would make sense for policy makers to adjust incentives in such a way as to take into conside ration historical, cultural, and contextual factors.Corruption and lack of transparency aggravate the coverage and compliance problems and constitute yet another challenge for the Chinese reforms. Where loyalty has primacy over legality, corruption and lack of transparency are likely outcomes. Favors are expected in a traditional culture, but such favors are considered corruption in a modern institutional context. Carefully designing, fully legitimating, and cautiously implementing the regulatory system and supervisory institutions are important steps to improve transparency and credibility.Another foreseeable challenge for the Chinese reform is the fiscal burden. How to finance the reform and to balance the objectives of economic growth and poverty reduction are major questions almost everywhere, but low-income countries such as China face additional difficulties. The empty IRAs, which were supposed to accumulate funds, are likely to increase distrust of government and of governmen t sponsored old-age security schemes. It might make sense for Chinese policy makers to introduce a system based on unfunded defined contribution accounts at least until it is clear that ational financial markets and administrative structures are ready for the demands of a partially privatized social security system. The nations in Latin America under consideration here have not succeeded with respect to coverage and compliance. In addition, transparency and fiscal stability are far from certain. This evidence suggests that without some major changes in the current policy direction, China may be headed for potentially serious pension policy problems in these four areas. The modernization pathway preceding old-age pension reform in China will likely shape the process and outcomes in these four areas.Chinese policymakers might well benefit from a close analysis of the flaws that are starting to become clear in connection with the new partially funded pension schemes that have been intr oduced in Latin America in recent years. Acknowledgments The authors acknowledge partial financial support for this project from the Center for Retirement Research at Boston College. 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