Friday, December 27, 2019
Business Plan - 1172 Words
BUSINESS PLAN ENTER YOUR BUSINESS NAME Enter your name July 17, 2008 SECTION 1: THE BUSINESS PROFILE Description of My Business (Session 1): Describe your product or service. Targeted Market and Customers (Session 1): Describe your customer profile and why customers want or need your product or service. Growth Trends In This Business (Session 1): Is the market for your product or service growing or shrinking? Pricing Power (Session 1): Explain the unique qualities or circumstances concerning your product or service that will enable you to maintain profitable pricing. SECTION 2: THE VISION AND THE PEOPLE (Session 2): Describe convincingly that you are passionately committed to your new business andâ⬠¦show more contentâ⬠¦Explain any government assistance or loan guarantee programs you intend to apply for. If your business is for use with potential lenders, include a cash flow projection and projected income statements to show sources of repayment of loans. Be conservative in your forecasts. List your sources of referrals to lending institutions. (Your accountant, etc.) SECTION 10: E-COMMERCE E-Commerce Plans (Session 10): Describe in detail how you plan to use the Internet in marketing your product or service. E-Commerce Budgeting (Session 10): Provide a detailed breakdown of the costs involved in creating, operating and maintaining your e-commerce activities. E-Commerce Competition (Session 10): Describe how your best competitors utilize e-commerce and your strategy to improve on their practices. SECTION 11: ACQUISITIONS Due Diligence Procedures for Acquisitions (Session 11): List the following: Your consulting team: Attorney, accountant, banker, broker, etc. Verification of sellerââ¬â¢s revenues: how you plan to authenticate. Sellers records to be inspected: Financial statements, income tax returns, sales backlog, cash deposit records, utility bills, accounts payable and receivable, backlog, financial comparisons of similar businesses, etc. Inspections and approval of leases and contracts. Appraisals, as appropriate. If aShow MoreRelatedBusiness Plan For A Business Essay1708 Words à |à 7 Pagesbrand-new business, expand an existing company, or get financing for a business venture, you will need to write a business plan. A business plan not only lends your business a sense of credibility, but also helps you to cover all your bases, increasing your chances of success. Although writing a business plan can be a lengthy, intimidating project, it is not necessarily difficult. Here is an overview of how to write a successful business plan. What to Include in Your Business Plan Your businessRead MoreBusiness Plan For A New Venture1355 Words à |à 6 PagesA business plan can be used for beginning a new business, to create a more profitable business or for consideration of new services and ideas. A business plan is a written document that gives details on a business idea or venture and present the outlook of the business over a number of years. This plan will guide the business project management and operations, assist in vital decisions and measure performance. There are many types of business plans and not one of them is considered a universal planRead MoreEssay about Creating a Business Plan1119 Words à |à 5 Pagesyou must have guidelines, so to speak, to know where you are heading in the future. That is why before you can start a business you need to draw up a detailed business plan. Business plans are considered blueprints. A business plan is what is needed to get your business off the ground and to attract potential investors. A business plan is way to show that you are in the business to make money. Introduce the company and the product/service idea for the new venture. Triple S Night Club is a new companyRead MoreBusiness Plan For An Casual Dining Mexican Restaurant1804 Words à |à 8 PagesThe critical analysis essay is based on the business plan of an upcoming casual dining Mexican restaurant in an upmarket locality of Benowa Gardens, Gold Coast, Queensland. The restaurant is called Burrito Bar, which specialises in modern Mexican food along with alcoholic drinks and operates on a franchising model. The business plan was made by one Mr.Paddu for the purpose of procuring a bank loan/private funding to kick-start the project. The business plan follows the general format used in the restaurant/hospitalityRead MoreRenee Business Plan5082 Words à |à 21 PagesBusiness Plan for a Startup Business The business plan consists of a narrative and several financial worksheets. The narrative template is the body of the business plan. It contains more than 150 questions divided into several sections. Work through the sections in any order that you want, except for the Executive Summary, which should be done last. Skip any questions that do not apply to your type of business. When you are finished writing your first draft, youââ¬â¢ll have a collection of small essaysRead MoreBusiness Plan For A Business1546 Words à |à 7 Pagesenterprise, especially a business, usually with considerable initiative or riskâ⬠. They are usually characterized as people with greatly valued self-reliance, with high optimism and people who who strive for distinction through excellence. I am interested in starting my own basketball business and becoming an entrepreneur. In order to start a business I need a business plan. From research, I have learned that my business plan needs to have an executive summary, identification of my business, financial recordsRead MoreBusiness Plan For A Business840 Words à |à 4 Pagesââ¬Å"Business plans are statement of a business goals, reason they are attainable and plans on meeting itââ¬â¢ (FoxBuisness, 2013). A business plan maps the course and gives a detail plan on how these goals are achievable. It is also important to establish a solid business plan for funding. Some small business use venture capital, bank loans, personal funds, and private investors as sources of funding. The business plan must therefore, sell investors. A well-written convincing business plan can buy investorsRead MoreBusiness Plan1439 Words à |à 6 PagesBusiness Plan What is Blueberry Nights? Type: bar and restaurant for young people Category: II. class Service method: plate service Menu type: Aââ¬â¢la Carte Opening hours: Sunday to Wednesday 10:00-22:00 Thursday to Saturday 13:00-05:00 No day off Target market: students, tourists and residents Location: Budapest, Margit kà ¶rà ºt Few steps from Margaret Island Easy to reach by tram Seating capacity: 120 (80+40) 1st floor: kitchen area, 80 seated restaurant, bar, armchairsRead Morebusiness plan5494 Words à |à 22 Pagesbecause we as a young generation that want to open new shop sold the ââ¬Å"Keropok Lekoâ⬠. OBJECTIVE OF THE ORGANIZATION Every business opportunity begins with the existence of various customers needs and wants for particular product or service. A need is something that is basic in life such as food, clothes and shelter. Therefore, our companies take these advantages and venture a business based on food industries. Our main activity is to manufacture keropok lekor that is made from fish paste, flour, and saltsRead MoreBusiness Plan For A Business1866 Words à |à 8 Pages Business Plan Buiness model in theory and practice according to Wikipedia is used for a broad range of informal and forma l descriptions to represent the core aspects of a business, including the purposes of that business, its process, target customers, of ferings, strategies , infrastructure, organizational structures, trading practice, and operational processes and policies . Below, we would look at two kinds of business model (franchise and tradition al business) , their pros and cons, o r their
Wednesday, December 18, 2019
Sports Participation Of The World - 2449 Words
In a day of technology, most kids being born into the world are almost born with a sixth sense which is how to use any type of technology. With the millions of different things you can do with technology most kids spend way too much time using their devices. Due to all this technology use kids donââ¬â¢t seem to be outside playing and having fun as they once did. Kids use to be always outside playing sports and running around with their friends but since the rapid evolution of technology kids have sadly started to stay inside. ââ¬Å"According to the 2005 GSS, boys aged 5 to 14 are still more likely to participate in sports than girls the same age, but the gap is narrowing. Sports participation of boys has declined from 66% in 1992 to 56% in 2005. Over the same time period, sports participation of girls has changed little from 49% to 45%.â⬠These statistics can easily be blamed on the evolution of technology. This essay is going to persuade you on why every kid should play tea m sports throughout their later years of elementary school and through high school. Most kids growing up in the 90ââ¬â¢s and early 2000ââ¬â¢s were always outside running around and playing with their friends. The kids didn t only do this because it was fun but because it was one of our only sources of entertainment growing up and even though technology was around it was as advanced as it is today. Team sports is one of the main things these kids would be doing all the time. It benefited kids in numerous ways that not onlyShow MoreRelatedThe Role Of Sports For Athletes And Women Athletes1500 Words à |à 6 PagesMarketisation and commoditisation provide leverage for powerful nations to assert their dominance over their sport competitors by, for instance, buying their best athletes from the dominated countries and sometimes offering those athletes citizenship. There are instances when international corporate entities sponsor and own clubs in other countries, make all management decisions, and secure profits which they return to their home countries thereby leaving host countries further impoverished (NaurightRead MoreSociology of Sport Essay1085 Words à |à 5 PagesWhat is the social role of sport? To what extent does social structure influence the practice and experience of sport? Discuss in relation to two of the following: gender, class, ethnicity or Aboriginality, or region. Illustrate your answer with at least three examples from sporting contexts (local or international). Sport plays a huge role in todayââ¬â¢s society. It contributes to oneââ¬â¢s health and fitness, social interaction, social and motor skills, patriotism, fun and entertainment. It alsoRead MoreParticipation Trophies : Helpful Or Harmful?1027 Words à |à 5 PagesParticipation Trophies: Helpful or Harmful? A new trend across America has risen in sports. Event officials are doling out participation trophies in massive numbers. The question is, are these participation trophies negatively changing the basic American values we treasure in these children? Yes, participation trophies are shaping a new cultural norm of entitlement and it promotes a new attitude of doing nothing, yet still being rewarded for it. This trend must be put to a halt and reversedRead MoreCause And Effect Of Fantasy Sports On Fans And Professional Sports951 Words à |à 4 PagesCause and Effect of Fantasy Sports on Fans and Professional Sports Fantasy sports are a popular activity in the contemporary world today. More than 32 million people across the world are participating in this activity. In 2009, it was estimated that 27 million people living in North America participated in this popular sporting activity. In this sport, the competition among individual participants is based on an online environment. Further, this activity has grown into a pop-culture (Howie Luke,Read MoreSports Participation : A Symbol Of The Olympics Games1500 Words à |à 6 PagesBRIEF HISTORY To the Greek, sports in 776 BC (about 3000 years ago) represented masculinity evidenced in the male sculpture as a symbol of the Olympics games (Bamber 2001). Women were excluded from the first Olympics games and only started to participate in the 1900 Olympics four years after the introduction of modern Olympics games (OIC Factsheet 2014). In the 1970s, western countries like Canada and the United States, saw an increase in women participation in sports involving physical activitiesRead MoreHarry H. Hiller s Definition Of A Mega Event1656 Words à |à 7 Pagesshort-term basis. The event has a high profile, there is a worldwide interest linked to the event and there is a sustainable and measurable economic outcomeââ¬â¢ (Harry H. Hiller, 1998, vol1, no.1). With the main focus being the sports mega events of the Olympics and FIFA World Cup. The modern Olympic games began in 1896, since then, there has been a significant increase in the number of bidding candidates. Which has led to an increase in the funds invested in the Olympic bids. Increased expenditureRead MoreEthnographic Background Of Ethnography And Ethnography1492 Words à |à 6 Pagesthat requires a researcher to be immersed personally in the ongoing social activities of an individual or group participating in the study (Wolcott 1995). The goal of ethnography is ââ¬Å"to grasp the nativeââ¬â¢s point of viewâ⬠¦to realize his vision of the worldâ⬠(Malinowski 1922:25). According to Guba and Lincoln (1997:198), the several hypotheses, theories, and interpretive frameworks brought by outside investigators ââ¬Å"may have little or no meaning within the emic view of studied individuals, groups, societiesRead MoreAnalysis Of A Miniature Lit 1742 Words à |à 7 PagesJarvis Washington Miniature Lit Review Introduction Gender inequality in sport is a hot button issue in our society today. Women, for the most part, have been on the short end of the stick for centuries in reference to participation in sports. Way back in Ancient times, women were not even allowed to watch the Olympics games because they were deemed ââ¬Å"ladylikeâ⬠. Women slowly began to play sports beginning in the 1800s. Some notable events were the first all-womenââ¬â¢s golf tournament in Scotland inRead MoreSports as a Tool of Integration1725 Words à |à 7 PagesINTRODUCTION What is sport? According to the Oxford Advanced Learnerââ¬â¢s Dictionary. The meaning of ââ¬Å"sportâ⬠is , activity that you do for pleasure and that needs physical effort or skill, usually done in a special area and according to fixed rules. Through Wikipedia, sport is all forms of physical activity which, through casual or organised participation, aim to use, maintain or improve physical fitness and provide entertainment to participants. Sport may be competitive, where a winner or winnersRead MorePromoting The Participation For People With Disabilities1333 Words à |à 6 Pages Welfare Committee Promoting the participation for people with disabilities in physical activities, and sports Forum: Special Assembly Issue: Promoting the participation for people with disabilities in physical activities, and sports Student Officer: Michael Schmid Introduction Physical activities, and sports are beneficial for all ages, and especially give people with disabilities, a chance to participate in a team, and give them a sense of inclusion
Tuesday, December 10, 2019
Israels Blitzkrieg in the Desert free essay sample
This paper is a summary of the military history of the 1967 Middle East War. Topics covered include: The causes leading to the outbreak of hostilities, the three fronts of conflict, and a brief discussion of the aftermath. There is also a close look at individual battles. To the southwest, the fortress of Jerardi was the main defense around Rahfa. The fortress itself contained thirty bunkered tanks and several thousand troops. The Egyptian 7th division defended the whole of Rahfa, supported by a substantial amount of artillery. Following a thirty-minute air strike, Israeli armor charged the fortification. Immediately, the lead tank struck a mine and exploded into flames. Immediately, the Israeli columns decided to flank the positions, and infantry in half-tracks followed close behind. The attack quickly bogged down in the dunes, but not before the Israeli Patton tanks succeeded in knocking out all of the six battalions of Arab artillery. As a result, Jerardi fell to the Israelis, fifty of whom lay dead (Marshall, 1967 pg. We will write a custom essay sample on Israels Blitzkrieg in the Desert or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 45). However, once a lead IDF tank force reached El Arish, the Egyptians closed their scattered forces around the highway and retook Jerardi, which the IDF had no garrisoned. The result was 10 hours of close combat with submachine guns and grenades. Once the fighting had ended, the division spent until dawn Tuesday regrouping.
Tuesday, December 3, 2019
Violence in the Media Essay Example For Students
Violence in the Media Essay In the world we live in, violence is a way of life for many people. Chancesare, most of the people reading this live in nice, upper-middle class suburbs,just like I do. But, just because we dont see this violence doesnt mean itdoesnt happen. We all know it happens, were not stupid, we watch the news, weread the newspaper. So why does the government try to censor violence? Why doesthe government try to censor sex? Is it because we cant handle it? No. I canhandle it. I may be what most psychologists would call desensitized, but thatdoesnt mean Im going to shoot up my junior high school. I could never do that. We will write a custom essay on Violence in the Media specifically for you for only $16.38 $13.9/page Order now After all, the government has kept me away from guns. We simply arent allowedto view violence and sex because well, I cant think of a good reason. But,hey, at least the government sucks at censoring stuff. Im 13 and Ive seenPlayboys. Ive seen at least a gajillion R rated movies, and I can walk into anystore in Connecticut and buy some M rated video games. You know why? No onecares anymore. Theyre as desensitized as we are, and thats a good thing. It isa sad fact that we find violence so entertaining, but hell, it is. I freakinglove to see movies where there are more scenes of mindless violence than thereare actual scenes of acting. These movies are aimed at the lowest commondenominator because intelligent movie goers are as extinct as the Dodo bird. Movies like Showgirls make more money than Panther because they are more fun,not because they are better. It will always be this way. The government shouldnot, and can not, keep us from seeing what we want to see. Just for a moment, lets pretend we live in a future where TV containingsex or violence is illegal, and so are video games and any other medium. Now, ifwe want to see sex, under agers are going to have sex. If you cant get sex inthe media, youre going to want it in real life. If you cant get it there, somepsychopaths are going to rape poor, defenseless people. That creates a lot moreproblems than it solves, not to mention that rape is hell of a lot worse then aminor watching Striptease. The same holds true for violence. Crazy people willalways do crazy things, and there is nothing the government can do to stop it. Category: Music and Movies
Wednesday, November 27, 2019
Impacts Of Oil On Sea Turtles - Sea Turtles and Oil Spills
Impacts Of Oil On Sea Turtles - Sea Turtles and Oil Spills Oil spills can be devastating for a variety of marine life, especially for endangered species like sea turtles.à There are 7 species of sea turtles, and all are endangered. Sea turtles are animals that travel widely, sometimes thousands of miles. They also use the shorelines, crawling up onto beaches to lay their eggs. Because of their endangered status and their wide range, sea turtles are species that are of particular concern in an oil spill. There are several ways that oil can impact sea turtles. How Do Oil Spills Effect Sea Turtles? Ingestion of Oil or Oil-Contaminated Prey: Turtles dont tend to avoid oil spill areas, and may continue to feed in these areas. They may eat oil or prey that has been contaminated by oil, resulting in a number of complications for the turtle. These can include bleeding, ulcers, inflammation of the gastrointestinal system, problems with digestion, damage to internal organs, and overall effects on the immune and reproductive systems. External Effects From Swimming in Oil: Swimming in oil can be dangerous for a turtle. Breathing vapors from the oil can result in injury (see below). Oil on the turtles skin may result in skin and eye problems and increased potential for infection. Turtles can also suffer burns to their mucous membranes in the eyes and mouth. Inhalation of Oil Vapors: Sea turtles must come to the ocean surface to breathe. When they come to the surface in or near an oil spill, they may breathe toxic fumes from the oil. Fumes may result in irritation of the turtles eyes or mouth, and internal damage such as irritation to the respiratory system, injured tissues or pneumonia. Impacts On Sea Turtle Nesting: Sea turtles nest on beaches - crawling up on the beach and digging holes for their eggs. They lay their eggs, and then cover them up, until the turtles hatch and the hatchlings make their way to the seas. Oil on beaches may affect the health of the eggs and the hatchlings, leading to a lower hatchling survival rate. What Can Be Done? If affected turtles are found and collected, they can be rehabilitated. In the case of the Gulf of Mexico oil spill, turtles are being rehabilitated at 4 facilities (1 in Louisiana, 1 in Mississippi, and 2 in Florida). More Information on Oil Spills and Sea Turtles: Louisiana Marine Mammal and Sea Turtle Rescue Program. Accessed June 10, 2010.NOAA. 2010.à Sea Turtle Strandings and the Deepwater Oil Spillà (Online). NOAA. Accessed June 10, 2010.
Saturday, November 23, 2019
What to Do if Youve Been Placed on a College Waitlist
What to Do if Youve Been Placed on a College Waitlist Its important to understand what it means when youve been placed on a college waitlist. Like thousands of students across the country, you havent been accepted or rejected, and the resulting limbo can be frustrating. Youll make better decisions if you have a clear picture of how waitlists work and what your options are. Key Takeaways: College Waitlists Colleges use waitlists to ensure a full incoming class. Students get off the list only if a school falls short of admission targets.Chances of getting off a waitlist vary from year to year and school to school. Because of the uncertainty, you should move on with other plans.Be sure to accept a position on the waitlist and send of letter of continued interest if allowed. In the spring, college applicants begin getting those happy and sad admissions decisions. They tend to begin something like this: Congratulations! . . . or, After careful consideration, weââ¬â¢re sorry to inform you . . . But what about that third type of notification, the one that is neither acceptance nor rejection? Thousands upon thousands of students find themselves in college admissions limbo after having been placed on a waiting list. If this is your situation, what now?à Should you accept a position on the waitlist? Should you get angry at the school for waitlisting you and decide you didnââ¬â¢t want to go there anyway? Do you go ahead and put down a deposit at a school where youââ¬â¢ve been accepted, even if your waitlist school is your first choice? Do you simply sit around and wait? The answers to these questions, of course, vary depending upon your situation and the schools to which you applied. Below youll find advice for your next steps. Here's How Waitlists Work Waitlists have a very specific purpose in the admissions process. All colleges want a full incoming class. Their financial well-being is dependent upon full classrooms and full residence halls. So, when admissions officers send out acceptance letters, they make a conservative estimate of their yield (the percentage of admitted students who will actually enroll). In case the yield falls short of their projections, they need some students on back-up who can fill out the incoming class. These are the students on the waitlist. The widespread acceptance of the Common Application, Coalition Application, and new Cappex Application make it relatively easy for students to apply to many colleges. This may be convenient for students, but it also means that students are applying to more colleges than they typically did in decades past. As a result, colleges get more half-hearted applications and its more difficult to predict the yield on their applications. The end result is that colleges need to put more students on waitlists in order to manage the uncertainty. This is particularly true at highly selective colleges and universities. What Are Your Options When Waitlisted? Most schools send out a letter asking you if you will accept a position on the waitlist. If you refuse, thatââ¬â¢s the end of the story. If you accept, you then wait. How long you wait depends on the schoolââ¬â¢s enrollment picture. Students have been known to receive acceptances from the waitlist a week before classes start. May and June are more typical notification times. You essentially have three options when waitlisted: Decline a position on the waitlist. If you got into a school you like more, you should decline. Its rude and inconvenient for other students and the college if you accept a place on the waitlist simply to see if youll get in. If you dont plan to attend, dont put yourself on the waitlist.Accept a position on the waitlist, sit back, and wait. If youre still considering the school, you should definitely put yourself on the waitlist.Accept a position on the waitlist, and then take action to improve your chances of getting off the waitlist. Be realistic here- your chances of getting off the waitlist probably are not great, and any actions you take may or may not help. Still, something as simple as a letter of continued interest can have a positive effect. What Are Your Chances of Getting Off a Waitlist? Itââ¬â¢s important that you have a sense of the math, for in most cases the numbers arenââ¬â¢t encouraging. The examples below vary widely, from Penn State where 80% of waitlisted students were admitted, to Middlebury College where 0% were offered admission. The norm tends to be in the 10% range. This is why you should move on with other options rather than pin your hopes on the waitlist. Also, realize the numbers below will vary significantly from year to year because a colleges yield will vary from year to year. Cornell University Number waitlisted: 3,213Number who accepted a place on waitlist: 1,976Number admitted from waitlist: 279Percentage admitted from waitlist: 14% Grinnell College Number waitlisted: 740Number who accepted a place on waitlist: 279Number admitted from waitlist: 16Percentage admitted from waitlist: 6% Haverford College Number waitlisted: 732Number who accepted a place on waitlist: 305Number admitted from waitlist: 10Percentage admitted from waitlist: 3% Middlebury College Number waitlisted: 1,231Number who accepted a place on waitlist: 603Number admitted from waitlist: 0Percentage admitted from waitlist: 0% Penn State University, University Park Number waitlisted: 1,828Number who accepted a place on waitlist: 1,704Number admitted from waitlist: 1,356Percentage admitted from waitlist: 80% Skidmore College Number waitlisted: 1,584Number who accepted a place on waitlist: 522Number admitted from waitlist: 59Percentage admitted from waitlist: 11% University of Michigan, Ann Arbor Number waitlisted: 8,385Number who accepted a place on waitlist: 2,776Number admitted from waitlist: 525Percentage admitted from waitlist: 19% Yale University Number waitlisted: 728Number who accepted a place on waitlist: 204Number admitted from waitlist: 56Percentage admitted from waitlist: 27% A Final Word on Waitlists Theres no reason to sugarcoat your situation. Yes, we can say, At least you werent rejected! The reality, however, is that its frustrating and discouraging to be placed on a waitlist. If you were waitlisted from your top choice school, you should definitely accept a place on the waitlist and do all you can to get an acceptance. That said, you should also move on with plan B. Accept an offer from the best college that accepted you, put down your deposit, and move forward. If you are lucky and get off the waitlist, you will likely lose your deposit, but thats a small price to pay for attending your top choice school.
Thursday, November 21, 2019
Critically examine the steps that have been taken in the EU to create Coursework
Critically examine the steps that have been taken in the EU to create a single market for banking institutions (until the year 2001). Have they been successful - Coursework Example It does not prearrange or presuppose suggestions that either Coalition party may make in the future for modifications both to the EU and to the balance of competences. Replies to the Call for Evidence, and proof from appropriate public literature, propose that in the areas covered the balance of competences, as planned in the EU Treaties, are largely suitable, but are often weakened by poor policy-making. For the balance to be completely applicable in the yet to come times, the EU ought to assume noteworthy reorganization of the current EU policy-making structure and procedures, take a more balanced method to legislation in all sub-sectors, and give better thought to the code of conduct in the subsidiarity in retail market sectors. This is reinforced by proof that: Entree to the single market in financial services and the Free Movement of Capital offers substantial paybacks for the UK financial services industry and for clients ââ¬â a number of industry shareholders stressed the UKââ¬â¢s access to the Single Market as a motive to localize in the UK and claimed that more development of the Single Market would bring supplementary profits (Klein & Giovanni, 2005). There are, nevertheless, substantial flaws in the EUââ¬â¢s existing approach to coordination and policy-making ââ¬â investors reflected on the current policy-making structure to have been insufficient for the type, volume and pace of legislation experienced in the last five years, and the value of meetings, impact assessments and drafting of comprehensive guidelines to have not been adequately high (Michelle, 2007). Dedicated reorganization is required to guarantee the attainment of the Single Market and validate the current balance of competences ââ¬â a majority of respondents supposed that a program of transformation is attainable and could spot-on mistakes on the current shortages, although extensive concerns
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