Wednesday, May 13, 2020

28 Serious Quotes From British Comedian Charlie Chaplin

Charlie Chaplin (1889-1977) became a star well before movies had sound. But his talent to turn the tragedies of everyday people into epic comedies has made him immortal on the silver screen as he played everything from a tramp to a buffoon dictator. The following quotes consist of Chaplins observations on his life, career, and the study of human nature. Charlie Chaplin on Laughter and a Positive Outlook A day without laughter is a day wasted.To truly laugh, you must be able to take your pain, and play with it!Youll never find a rainbow if youre looking down.Failure is unimportant. It takes courage to make a fool of yourself. On Despair and Tragedy Despair is a narcotic. It lulls the mind into indifference.I always like walking in the rain, so no one can see me crying.Life is a tragedy when seen in close-up, but a comedy in long-shot.Nothing is permanent in this wicked world, not even our troubles.The saddest thing I can imagine is to get used to luxury.We might as well die as to go on living like this. Chaplins Comedy and Career All I need to make a comedy is a park, a  policeman, and a pretty girl.I dont believe that the public knows what it wants; this is the conclusion that I have drawn from my career.I went into the business for the money, and the art grew out of it. If people are disillusioned by that remark, I cant help it. Its the truth.The basic essential of a great actor is that he loves himself in acting.Imagination means nothing without doing.Why should poetry have to make sense? On Human Nature A mans true character comes out when hes drunk.I am at peace with God. My conflict is with Man.I am for people. I cant help it.We think too much and feel too little.What do you want a meaning for? Life is a desire, not a meaning.We all want to help one another. Human beings are like that. We want to live by each others happiness, not by each others misery. On Beauty and Understanding I do not have much patience with a thing of beauty that must be explained to be understood.If it does need additional interpretation by someone other than the creator, then I question whether it has fulfilled its purpose. On Politics I remain just one thing, and one thing only, and that is a clown. It places me on a far higher plane than any politician.The hate of men will pass, and dictators die, and the power they took from the people will return to the people. And so long as men die, liberty will never perish.Dictators free themselves, but they enslave the people.Id sooner be called a successful crook than a destitute monarch.

Wednesday, May 6, 2020

Reliable Techniques for Buy Term Papers Online Canada That You Can Use Starting Today

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Tuesday, May 5, 2020

Status of Vaccine Research and Development †MyAssignmenthelp.com

Question: Discuss about the Status of Vaccine Research and Development. Answer: Introduction By April 13th, 2016, there have been more than 28,000 cases of the Ebola Virus disease. Globalization and the acceptance of new forms of technologies and innovations are changing human relations with respect to the spread of viral diseases. The more social media penetrates the world economic sphere the more it is easier to contain such cases as that of Ebola. Social media is rapidly connecting the world and making instant communication a success and hence it is easy to take note of all the cases of the spread of the diseases as they happen. Of all the cases of Ebola virus, 11,000 were fatal, representing 40% of all the cases. Many of the Ebola cases were centered on Ghana, Liberia, Guinea, and Sierra Leone. The first significant outbreak of Ebola Virus occurred in West Africa and was the worst manifestation of the disease since it was first discovered. Globalization has aided in controlling the spread of the disease via the collaboration between mainstream and alternative media has s hall be elaborated. The theory of Diffusion and Innovation was developed by E.M Rodgers in 1962. The scientific theory helps in the understanding of phenomenon like the spread of infections among the populations. This is a theory that tends to explain how people react to an innovation whether it is an idea or something. It seeks to explain how, why and at what rate new ideas and technology spread(World Health Organization , 2018). The theory explains the channels and rates through which ideas spread and this explanation can be used to explain the rapid expansion of myelopathy. In the following case the object of study is the spread of Ebola among the populations at the wake of globalization and media penetration. Alternative media has grown and developed to become part of the society today(WHO, 2014). The study of the spread of technologies of social media among communities is pertinent to understanding the spread of the Ebola virus among populations. The specific area of interest is at the major leaning institutions and concentration centers where many people converge for common services. Rogers explains that people react to an innovation in varying rate. There are those who are interested in the technology itself and work around it to come up with new ideas. These people carry just 2.5% of the population in a unit area(UNICEF, 2018). These people are the innovators. From these comes an idea or a new way of doing something. The other category of people that he describes is the early adopters. There are people who are risk takers. They are quick to pick the idea from the innovators and try it out. They are interested in the use of the innovation. They consist of 13.5% of the population in a given area. These come second after the innovators(Trimble, 2018). The youth mostly fall in this category. When hybrid seeds here are used to proof this theory, the results were that the younger and the most educated were able to quickly adapt to the change and use the hybrid seeds(Stefano, et al., 2018). The youth take advantage of whatever the technology offers them and are eager to try it themselves without listening to others peoples encounter. They utilize the opportunities offered by the new things. This is not different when it comes to their response social media and other forms of the alternative media(CDC, 2018). They pay all it takes to be current and not to miss the trend. The youth are there to try the newest app in town. Some fall victims of peer pressure. Unknowingly some are trapped in the ugly side of the media while there are so many opportunities that one can have to developed their social life with the alternative media(Stefano, et al., 2018). The other categories are the early majority. These consist of 34% of the population per unit area. They are not as quick to try something as the early adopters are. They are the first group to introduce the innovation for use by the common people. They introduce it to be used for common purpose(Start Center , 2016). The late majority are another category of people. They try the innovation after it has been tried by everyone else and it has worked. They do not just try out something before many people have tried it and think it is good. They are also 34% in a given community(Pengcheng, et al., 2014). The last category of people is the laggards. These people are skeptical of change. They do not just take up new ideas. They are conservative in nature and eve ry innovation is avoided and looked at suspiciously. The laggards are mostly the old people. These are contained in 16% of a population. In case of alternative media, they are not interested in using new forms of technology(Miller, 2017). Rodgers (1962) demonstrates that there is a highly susceptible demographic to adoption of innovation. The youth in campus fall in the category of being young, educated, and so are nave to the new ways of technology(Mangan, 2018). The youth have the energy to try out something new and have the time to try out new experiences now and then. This can explain their ability to adopt the innovations even of alternative media. Sometimes these changes can be too extreme and harmful. They may go beyond the healthy levels and cause harm to the users. The youth will go into trying them out without a sense of skeptic(Lakea, et al., 2017). This poses a challenge to not only them that use these means but also the recipients the messages sent through that media. However, not all the innovations are harmful to the users. Even those who take long adopt a new idea have their own disadvantages too. Alternative media is affordable and non-professional. This makes it easier to access than the mainstream media. It allows for commenting and giving of additional information. This information can be opinionated and even if misleading some people can take it as the gospel truth(Lakea, et al., 2017). The additional information does not always have to be factual since some of it consists of opinions. In the case of the online platform, the controversial information will go viral. As long as the publisher has many viewers, the search engine will rate their information among the top most and the most important ones even when they are not morally right(Johnson, 2018). There is a sense of accountability that comes with the mainstream media publications since they may lose revenue from advertiser if they do not have it. However, this is different when it comes to the alternative media. They are interested in the mass appeal. Morality therefore gets out question as long as the material is goo d enough to sell. In the current generation, media users are interested in the raw information(Future Scan , 2015). They want unedited bloody scenes. Sex sells is the phrase for many and this end up corrupting the media platforms and largely affects the media decisions. The aspect of social responsibility is overlooked in the alternative media. Just an alert can draw attention to millions of viewers. Information that is not well researched can become misleading. Some of the alternative media platforms such as wiki are not recognized as credible sources of academic research yet are one of the most pronounced and most visited websites(CDC, 2018). There is that information that can be published in the same but with the skeptical attitude created that information is not considered credible. The alternative media platforms value audience more than anything else does. Their goal is to get more viewership. Some of the listeners are manipulated to recreate reality. This may lead to compromise of the content of the posts that they do(CDC, 2017). The result of this is that, at the end of the day those who least contributed to the compromise end up being affected. In the case of collaborative journalism, the consumers are allowed to add, delete, or edit materi als posted in the websites. Misleading and malicious information can therefore be included. The low cost of internet cost makes the youth even those who are not employed to easily access even the streaming media. There are so many internet access points such as dial-up, landline, Wi-satellites, and cell phones. In campuses, the youth take advantage of public places of internet access such as libraries and internet cafes(Boyle, 2017). The attempt to define morality has posed challenges to the scholars and researchers of the same field. This controversy has led to research h, which has led to development of different explanations, and definition of what morality is(Boyle, 2017). The individuals have categorized the definitions according to the nature of their argument. These have been labeled as descriptive and normative modes of definitions of morality. Some schools of thought describe it as particular codes of conduct proposed by a group or a society like a particular religion and adopted by individuals for their behavior. The description has been criticized many other schools of thought(Lakea, et al., 2017). The argument put forth for criticism is that not all codes qualify as codes of conduct. Various societies and groups have different means of conducting their behaviors in reaction to the spread of the myelopathy. Some of the methods entail the carrying out of different roles by different people. It is not obvious that all codes are moral codes. This form of defining morality is therefore termed as descriptive. The other definition of morality takes a normative sense. It varies from the description of morality as just codes(Stefano, et al., 2018). In this case, the definition of morality remains a code of conduct accorded specific conditions and put forward by all rational people. Not all moral codes qualify as markers of moral ity. The definition of morality in terms of the spread of the Ebola Virus is developed from two perspectives that vary. The two varying perspectives are combined to come up with a more complete one. Morality is defined as the most essential code of conduct put forth and accepted by any group or by any individual. In this case, what a society or the individual accepts has to be considered something of importance. In our traditional society such codes related to how one treats others. How they conduct themselves in different occasions and what the society expected of them. For example; it was a moral obligation of the youth to give way to the elders. They were supposed to give up their seats to the elders and remain standing where the seats were not enough whether in a function or in vehicles(Lakea, et al., 2017). This however does not hold any longer in our society today. It has been challenged by relativism, which is a component of postmodernism. Postmodernism is one of the major factors that mark the shift to new media. New media is characterized by being digital and interactive, a character so evident in the alternative media. There exists no code of conduct that holds in this current age. Skepticism is the order of the day where rules exist and everything is questioned. Unless something is testable, it does not qualify to be a truth, and even if it is, it is only to those who can proof it. Alternative media has acted as a catalyst in this moral revolution(Johnson, 2018). This is clearly illustrated by sexual revolution where the common trend of sex only for married couple was respected in the past but now it is a non-issue. The youth have lifted what is offered to them by their daily companion. They have adopted the alternative media platforms and have sought to impose it to their lives. This has had a variety of results including negative ones. The youth has been conformed to the lifestyles in the media. Globalization plays a major role in the creation of new avenues for preventive medicine as opposed to curative medicine. Social media sites are responsible for increasing awareness about the outbreak and the spread of such diseases as the Ebola virus. Gregg talks of moral absolutism. This as he explains is the idea that there are moral values that exist in the universe at large that transcend any human or locality and could in theory be discovered or have been discovered. However, the idea however has been disputed by many people and especially those in the current postmodernism society. There are those who argue that since there is no standard for determining the absolutism of these moral codes then it does not exist. The other view that he discusses is moral relativism. In this view, the moral code is seen as constructed in its local or cultural context and one cannot apply judgments from one context to another. In moral relativism, whatever course of action one ought to take is de termined by their values and their culture. There is no solid rule that guides people on how to live. References Batti, R. (2013). Perioperative Nursing and Education: What the IOM Future of Nursing Report Tells Us. AORN Journal, 98(3), 249-259. Boyle, D. (2017). Nursing Specialty Certification and Patient Outcomes: What We Know in Acute Care Hospitals and Future Directions. Journal of the Association for Vascular Access, 22(3), 137-142. CDC. (2017, December 12). Center for Disease Control and Preention . Immunization Retrieved December from : www.cdc.gov/preconception/careforwomen/immunization.html CDC. (2018, February 3). Center for Disease Control and Prevention. Deaths and Mortality Retrieved from : www.cdc.gov/nchs/fastats/deaths.htm Fleming, C. (2013, October 10). October Health Affairs Issue: Economic Trends and Quality Trade Offs . Health Issues Retrieved from : www.mail.google.com/mail/u/0/#search/185843353/15b94aef55bce586?projector=1 Future Scan . (2015). FutureScan 2015. New York : Future Scan . Johnson, D. (2018, January 9). American Babies Are Less Likely to Survive Their First Year Than Babies in Other Rich Countries. Time Magazine Retrieved from : www.time.com/5090112/infant-mortality-rate-usa/ Lakea, D., K.Engelke, M., A.Koskoa, D., Roberson, D. W., Fany, J., Feliciana, J., et al. (2017). Nicaraguan and US nursing collaborative evaluation study: Identifying similarities and differences between US and Nicaraguan Curricula and Teaching Modalities Using the Community Engagement Model. Nurse Education Today, 51(1), 34-40. Mangan, D. (2018, January 8). US has the Worst Rates of Child Mortality Among 20 Rich Nations . CNBC Retrieved from: www.cnbc.com/2018/01/08/us-has-worst-rate-of-child-mortality-among-20-rich-nations.html Miller, B. (2017, April 24). Creating a Culture of Whole Health: A Realistic Framework for Advancing Behavioural Health and Primary Care Together. Health Affairs Blog Retrieved from About : www.mail.google.com/mail/u/0/#search/185843353/15b94aef55bce586?projector=1 Pengcheng, L., Chengyue, L., Ying, W., Wei, Z., Hua, W., Honghui, W., et al. (2014). The Impact of the Major Causes of Death On Life Expectancy in China: A 60-year Old Longitudinal Study. BMC Public Heath, 10(14), 1-30. Start Center . (2016). Straytegic Analysis Research and Training Center . Wachington: Bill and Melinda Gates Foundation. Stefano, F., Davis, R., Jackson, L., Thompson, R., Mullolly, J., Black, B., et al. (2018). The Vaccine Safety Data Link: Immunization Research in Health Maintenance Organizations. Immunization Safety, 78(2), 186-195. Trimble, M. (2018, January 11). U.S. Kids More Likely to Die Than Kids in 19 Other Nations . Best Countries Retrieved from : www.usnews.com/news/best-countries/articles/2018-01-11/us-has-highest-child-mortality-rate-of-20-rich-countries UNICEF. (2018). Sustainability of Achievements: Lessons Learned from Universal Child Immunization. New York: UNICEF. WHO. (2014). Status of Vaccine Research and Development of Vaccines for RSV . New York : WHO. World Health Organization . (2018, March 17). World Health Organization . 10 Causes of Death Retrieved from Top: www.who.int/mediacentre/factsheets/fs310/en/index3.html

Friday, April 3, 2020

Corporate Web Presence Essays - E-commerce, Marketing, Internet

Corporate Web Presence Advantages and disadvantages of a Web Presence The World Wide Web is a World Wide Market. It is a new way of selling. More and more customers expect to find your product news and specifications on the web. But even on the Net, you have to advertise your product. Using Internet as a media to advertise your product is different from traditional media. Through Internet companies can be present all over the world. Using the web as an advertising tool is the cheapest way to be discovered at every time. You can also quickly change your promotional campaign, in order to gain attention that may lead the consumer to the product. Online services become so popular because they provide two major benefits to potential buyers: Convenience: Customers can order products 24 hours a day wherever they are. They don't have to sit in traffic, find a parking space, and walk through countless aisles to find and examine goods. And they don't have to drive all the way to a store, only to find out that the desired product is out of stock. Information: Customers can find reams of comparative information about companies, products, and competitors without leaving their office or home. They can focus on objective criteria such as prices, quality, performance, and availability. Customers can expect the advantage to pull the information, to be drained into detailed catalog or other information about products and services for sale that they are looking for. They do not feel forced, they are looking for the information by themselves. Nevertheless it seems that Web advertising is much more price than image oriented. Web advertising does not seem the appropriate way to advert a product. According to BMRB International (annex 1) 37% of UK Net shoppers are not ready to purchase off-line They always fear to give their account number to a company they do not know. Today a well-known brand is a real competitive advantage. BRMB International has shown that 16% of purchases has done thanks to an implicit trust of established brands. Nevertheless it does not mean that it will stay an advantage in the future. Moreover the difference with more traditional media is that customers come to you and not you to the customers. You cannot retain their attention if they feel that it does not worth it. When you wish to expand your market share trough Internet, you have to consider the specificity of your target audience. At the present time people who buy through Internet are young, daily users of computers. But there are not only people used to Internet. Because e-business is growing up (annex 2), we can assume that most people have no experience in e-business. The audience can be both good Internet users and beginners. Dealing with communication interaction Security The World Wide Web is the fastest growing part of the Internet. Increasingly, it is also the part of the Internet that is the most vulnerable to attack. For users, a secure web server is one that will safeguard any personal information (bank account number) that is received or collected. It is one that supports their privacy and will not subvert browser to download viruses or other rogue programs onto their computer For a company, a secure web server is resistant to a determined attack over the Internet or from corporate insiders. In order to increase security, you can use a system for automatically encrypting information as it is sent over the Internet and decrypting it before it is used. One of Netscape Communication's early innovations was its SSL. You can also use firewalls, which is a device that isolates an organization's internal network from the Internet at large, allowing specific connections to pass and blocking others. Marketing / Communication It is really important to get people inform of the existence of your web site. You will have to shout it from the roof tops! You can use your letterhead, your cards or your leaflets to write your web address. You can also through a TV or board advertising campaign let people know about your site existence. As Jim Sterne says: "your web site can be funny, pretty, useful, crisp and clean, but if you don't promote it, its message won't be seen". By the way you can also manage to register different key words on browsers in order to put make know your web site when people look for information in your business area. Deliveries and Payment If you use e-commerce on your website, once the buyer has searched through a

Sunday, March 8, 2020

Hitler essays

Hitler essays On the twentieth of April in the year 1889, a day like all others, Alois Hitler and his wife Klara, which was his third, gave birth to Adolf Hitler. When Adolf was young, he was in a choir and he even actively went to church. Academically he was a good student, receiving good grades in his classes, but he failed German and Mathematics in his the last year. He did, however, achieve in Gym and Drawing class. At an age of 16, he dropped out of school to become either an artist or an architect. He moved to Vienna, Austria to attempt to get into the Academy of Arts. He failed every time he tried to join. He was somewhat skilled in drawing however the drawings lacked imagination, creativity, and originality. The Dean of this academy said that Adolf would never become a painter. This rejection led Adolf to a plunging downfall, for he couldnt apply to the school of architecture, due to a lack of a diploma. Many Historians say that if the Academy would have accepted him, the world m ight have not gone through the nightmare that it went through. Hitler was economically unable to maintain just by selling drawn pictures of famous landmarks on post cards. He read a paper, which gave him the ideas of blaming the Communists and the Jews for all the problems in the world. In the year 1913 he moved to Munich because he felt that the Germans were superior and were destined to rule the world. In 1914 when the Great War broke out, Hitler volunteered for the Imperial army of Germany. He was skilled in the martial arts, receiving many awards. However, when Germany lost the war and surrendered, Hitler was very enraged. He believed that the Jews and the Communists betrayed and sold out Germany. Germany was full of anarchy after the war. Many conflicting governments started to arise. Since Germany was in a depression, employment was limited. Hitler remained in the army and was assigned to jobs of meeting various groups of gove...

Thursday, February 20, 2020

Social work Essay Example | Topics and Well Written Essays - 2250 words

Social work - Essay Example The beauty of both theories is that both, almost in the same way, believe in the clients’ desire to solve the problems, and both aim to improve the problem solving skills of the clients, thus promoting independence instead of dependency. The Applicability with Diverse Groups The beauty of these two approaches, according to Hepworth, Rooney and GD Rooney et al (2009, p. 364) is their applicability with different groups, especially the poor, minority and ethnocultural groups. This is largely because they emphasise on the right of clients to identify issues and focus on empowering the marginalised clients. In addition, they are helpful in removing the barriers to multicultural clinical practices as they largely accept the clients’ view of problems. However, the advantage of crisis intervention strategy and task centered approach is their use with different populations. Researchers like James (2008, p. 39) are of the belief that crisis intervention has universal application to people of color as it is common for people of color to experience crisis and due to barriers of culture, ethnicity, and racism. By the time they seek help, the issue will be in a chronic state. This approach has six stages namely: defining the problem, ensuring client safety, providing support, examining alternatives, making plans, and obtaining commitment (ibid). Now, it becomes evident that both the approaches are highly beneficial tools in social work as both believe in the centeredness of individuals and both are based on the theory of empowering the clients to manage their situation themselves, thus promoting independence instead of dependency. Below are certain features that make these approaches more preferable in social situations. The Patient Centeredness Both the approaches are patient-centered in nature. The task centered approach believes in the ability of the clients to solve their problems themselves or to ameliorate their issues to a tolerable level. The task cent ered approach is based on the assumption that most people possess adequate skills and resources to solve their problems themselves. In addition, it is believed that people have their innate desire to solve their problems. Problems arise in individual, family or social spheres that can block the resolution of problems. The task centered approach believes that people have the inborn capabilities to solve their problems or to remodel the situation to a tolerable level. Similarly, crisis intervention method too is based on the assumption that intervention becomes necessary when an individual is not able to manage the disorganisation and confusion caused by a crisis. This too accepts the fact that crisis can arise in families, groups, communities, and nations. In fact, both the approaches concentrate on empowering the patient, improving the level of functioning, and developing a place for handling crisis. In addition, both believe in the active participation of clients and both are short -term in nature. The purpose of the two approaches is to regain the lost equilibrium in the client’s life. The specialty of these approaches is the total participation of the clients in the procedure, and the success of the approaches is fully dependent on the client’s readiness to perform the tasks they are assigned. In both the cases, once the tasks and goals are set, there are regular meetings to monitor progress and to offer support in the effort to achieve the goals. The skills at this juncture required for a social

Wednesday, February 5, 2020

Investing in Savings Bonds Coursework Example | Topics and Well Written Essays - 1000 words

Investing in Savings Bonds - Coursework Example They have been done on an annual basis from January 2011 to January 2012. The calculations are for $ 50, $ 100, $ 500, and $ 5,000. Series Denom Issue date Next accrual Final maturity Issue price Interest Interest rate Value EE $ 50 01/2011 02/2012 01/2041 $ 25.00 $ 0.12 0.60% $ 25.12 EE $ 100 01/2011 02/2012 01/2041 $ 50.00 $ O.24 0.60% $ 50.24 EE $ 500 01/2011 02/2012 01/2041 $ 250.00 $ 1.20 0.85% $ 251.20 EE $ 5000 01/2011 02/2012 01/2041 $ 2,500.00 $ 12.00 0.60% $ 2,512.00 EE $ 50 01/2011 02/2012 01/2041 $ 50.00 $ 0.76 3.06% $ 50.76 EE $ 100 01/2011 02/2012 01/2041 $ 100.00 $ 1.52 3.06% $ 101.52 EE $ 500 01/2111 02/2012 01/2041 $ 500.00 $ 7.60 3.06% $ 507.60 EE $ 5,000 01/2011 02/2012 01/2041 $ 5,000.00 $ 76.00 3.06% $5,076.00 EE savings bonds EE Savings bonds are low risk savings that are safe and pay interests basing on the current market rates. These savings bonds may be purchased directly via TreasuryDirect. If one is a owner of an account in TreasuryDirect then he can purcha se, manage, and redeem the bonds through a web browser (Thau, 20010. These savings bonds can be used to fund education, complement retirement income, and offered as a gift. The current interest rate of these savings bonds is at 0.60% which is a fixed rate. The minimum purchase is $ 25 while the maximum is $ 10,000. E savings bonds This savings were introduced in 1941. These savings bonds were being promoted as war bonds by the government of United States between 1941 and 1980. The minimum purchase is $ 25 while the maximum is $ 10,000. These savings bonds were advertised through the media and other channels thus they became popular during those times until 1980.in 1980 the series was substituted by the EE savings bonds. The savings bonds had two maturity periods of 40 years and 30 years respectively (Lasser, 2011). I savings bonds These are the newest savings bonds and they are almost similar to the EE bonds. The difference between the two comes in the calculation of their reset int erest rates. These begin earning interest immediately after issue. These savings binds can be redeemed at any time after a one year holding period. Their security is accrual-type and if they have any interest it is usually included to the bond every month. They are low risk and they earn interest while at the same time protecting the owner from inflation. They may be purchased via TreasuryDirect or with IRS tax refund. They can also be purchased directly from ones web browser. The least purchase for this is $ 50 while buying paper bonds with IRS tax refund and $ 25 when purchased directly via TreasuryDirect. The maximum value that can be purchased is $ 10,000 in TreasuryDirect and $ 5,000 with IRS tax refund. Their current rates are at 3.06% and this will remain all through to the end of April 2012 (Lasser, 2011). Savings Notes These are also referred to as freedom shares. They were issued at a discount of 81 percent of the face amount which could vary. The savings notes were mainly introduced to encourage people in United States to save by investing. This began in 1967 whereby they came alongside the E series savings bonds. They are redeemable at anywhere any time at the most recent semiannual accrual value. The original maturity for this was four and half years however there are optional extensions of two 10-year periods (Thau, 2001). The savings notes