Saturday, March 14, 2020
A goal as defined in WebsterÃ¢â¬â¢s New Encyclopedic Dictionary is Ã¢â¬Å"a strong desire to achieve somethingÃ¢â¬ . When I first heard of University of Phoenix, I was extremely excited to pursue my ultimate goal in life, to obtain a bachelorÃ¢â¬â¢s degree in a small amount of time. The pop up message from University of Phoenix stating Ã¢â¬Å"turn your goal into achievements Ã¢â¬ ¦ isnÃ¢â¬â¢t it time you achieve the success you deserve?Ã¢â¬ encouraged me to contact the Phoenix counselor. When I first spoke to the counselor, I was overwhelmed by the information given to me. Attending a prestigious school such as the University of Phoenix will allow me to accomplish my goals at a pace that fits my busy schedule. University of phoenix enables its students to acquire knowledge, think critically, communicate clearly, and lead effectively so they may enjoy fulfilling lives and successful careers. A challenging and caring institutional environment encourages and supports studen ts as they recognize and develop their potential. An extremely distinguished faculty, a milieu replete with academic activity, and an excellent online business management program which blends high quality course work and research facilities at the cutting edge of every sub-field are the factors which have motivated me to choose Phoenix University as my choice for Bachelors studies. I believe the program offered will help me acquire the versatility needed to reach my full potential. Due to the practical curriculum offered by the University of Phoenix, I am able to work full-time, maintain a social and professional life without conflicting my personal life, and study at the same time. By managing my time efficiently, I can complete my BachelorÃ¢â¬â¢s in Business from University of Phoenix and then pursue my goals for a better career and eventually a better life. Also, I am hoping that as a University of Phoenix student, I will learn to manage my time wisely. Juggling work and school is no piec... Free Essays on Acheiving Goals Free Essays on Acheiving Goals A goal as defined in WebsterÃ¢â¬â¢s New Encyclopedic Dictionary is Ã¢â¬Å"a strong desire to achieve somethingÃ¢â¬ . When I first heard of University of Phoenix, I was extremely excited to pursue my ultimate goal in life, to obtain a bachelorÃ¢â¬â¢s degree in a small amount of time. The pop up message from University of Phoenix stating Ã¢â¬Å"turn your goal into achievements Ã¢â¬ ¦ isnÃ¢â¬â¢t it time you achieve the success you deserve?Ã¢â¬ encouraged me to contact the Phoenix counselor. When I first spoke to the counselor, I was overwhelmed by the information given to me. Attending a prestigious school such as the University of Phoenix will allow me to accomplish my goals at a pace that fits my busy schedule. University of phoenix enables its students to acquire knowledge, think critically, communicate clearly, and lead effectively so they may enjoy fulfilling lives and successful careers. A challenging and caring institutional environment encourages and supports studen ts as they recognize and develop their potential. An extremely distinguished faculty, a milieu replete with academic activity, and an excellent online business management program which blends high quality course work and research facilities at the cutting edge of every sub-field are the factors which have motivated me to choose Phoenix University as my choice for Bachelors studies. I believe the program offered will help me acquire the versatility needed to reach my full potential. Due to the practical curriculum offered by the University of Phoenix, I am able to work full-time, maintain a social and professional life without conflicting my personal life, and study at the same time. By managing my time efficiently, I can complete my BachelorÃ¢â¬â¢s in Business from University of Phoenix and then pursue my goals for a better career and eventually a better life. Also, I am hoping that as a University of Phoenix student, I will learn to manage my time wisely. Juggling work and school is no piec...
Wednesday, February 26, 2020
Compare and Contrast Home Depot and Umpqua Bank - Essay Example Different companies have different cultures, which will be discussed here in the light of the HofstedeÃ¢â¬â¢s dimensions. Masculinity When both managers of home depot and Umpqua bank took office, their first initiative was to change organizational cultures so as to make the companies more competitive. This was a common goal and therefore each of the company took an initiative to ensure that its culture is transformed. Both companies gave the mandate to different individuals who are males thereby indicating the gender biasness in the two banks. Home depot hired Dennis Donovan while Umpqua hired David from Ziba to research and therefore come up with a solution. Low Uncertainty Avoidance Both of the company embarked on an environmental creation mission because they are change oriented and are ready to take risks. Umpqua ensured that it cleaned all its surrounding as this had a bad image on the company. It also refurbished its structures to ensure that the image of the company changes completely and becomes more user friendly to all customers (Freeze n.d). They did this by changing the structures to become open door one so that each customer can feel free to get in. This is because offices that are regarded as of higher standards keep off lower ranked employees and even customers who refer them as out of their reach. On the other hand, home depot structures such as low light in its orange store houses gave it a new look. Others included cluttered aisles and sparse signage (Charan, 2006). These changes in structures, which are part of organizational culture, saw great improvement in the performance of both companies. There was a major difference on how both companies implemented their policies of changing the organizational structure. Umpqua set aside a budget while home depot company just implemented the policy silently without interrupting the companies program. This played a major role in ensuring that the performance of the company is maintained even in the pe riod of transformation. Low Power Distance Language and relationship between the company officials is another important aspect that both companies undertook. Relation between the members especially the attitude in communicating plays a major role in ensuring that organization work together in achieving the set goals and objectives. Home depot ensured that it installs a good discipline among all members of the organization and all those who were not ready to comply with the new condition were swept out of the company (Charan, 2006). This showed how this aspect of culture was important to the whole performance of the company. Home depot applied an important tactic to ensure that cultural change does not get much resistance from the employees. This was through making the employees understand the benefits that the company will accrue from the change. It did this by holding various meetings with all stakeholders while the project was made clear to all people. On the other hand Umpqua cha nged its philosophies of which the employees came to uphold. It also did this by changing the features of its brand which signaled a new change in the company which was welcomed by the employees (Edger, 2010). Both companies ensured that they install a positive belief on their employees and workers. This gave both companies an upper hand as it changed the mindset of the customers towards the companiesÃ¢â¬â¢
Monday, February 10, 2020
Essay Example For life insurance it is the person, who is claiming the insurance, in case of general insurance the insurable interest must be present at place when the application for insurance is being made as well as during the claim of the insurance. The principle of insurable interest mentioned that the person or the object which is getting insured must have insurable interest in the object of insurance or the life of the person who is being insured. A person who has an insurable interest when the physical presence of the insured object gives him some gain but its non-existence will give him a loss. In simple words, the insured person must suffer some financial loss by the damage of the insured object. The owner of a commercial vehicle (be it a taxi/bus or tempo) has insurable interest in the vehicle because he is earning money by using that vehicle directly or indirectly from it. Same way owner of any bus or tempo or goods vehicle, if give that on rent still have the insurable interest on it as well as the person who is driving the same because indirectly he or she is earning money from it. But, if someone sells the vehicle then he or she will not have an insurable interest left in that vehicle because the individual already have earned money one time basis from the same. By analyzing this we can easily mentioned that ownership plays an important role in the evaluation of insurable interest. Same way every individual person has an insurable interest in his or her own life.. The subject of insurance can be any property or interests such as a house,car, a personÃ¢â¬â¢s life, or his or her liability that rises in significance of the death or injury of or damage to the property of another person.In insurance terms, the above-mentioned definition is known as insurable interest.(Korttermynversekering, 2013). The term is associated with sea and inland waterway transport. It means that the seller delivers goods and product
Thursday, January 30, 2020
Narrative Paragraph Essay The toddler climbed laboriously up onto the stool, determined to Ã¢â¬Å"helpÃ¢â¬ her mother. But her mother did not notice; she was far too busy with the frantic preparations for the birthday party. Ten three-year-olds and their mothers coming for an afternoon of treats, games and face painting: a herald of another party, ten years from now, when make up would be the order of the day, the childÃ¢â¬â¢s father had observed. As the mixer whirred and the dishwasher swished and the oven beeped its warning of impending culinary disaster, the childÃ¢â¬â¢s attempt to be a part of the busy-ness was more than her mother could attend to. She did not notice when the girl reached the top of the stool, nor did she see the tiny hand reach out toward the glinting beaters as they beat the pale golden batter. As she faced the oven, removing the first cookie tray, she heard the scream. Whirling, she took in the tiny hand held high, the tragic face, and the stream of scarlet mixing itself into the cake. A kiss, a cuddle and a band-aid calmed the birthday girl; a shake of her head and a moment of revelation calmed her mother. A birthday candle in a cookie would be just fine. See more: how to start a narrative essay Paragraph Analysis Purpose: to tell a brief story Structure: no real thesis statement, as there is nothing to be proven in this paragraph, but there is an introductory sentence that establishes character, setting and situation, there are body sentences, and there is a concluding sentence that summarizes the resolution of the main conflict Language: language is relatively casual and includes a single example of the language of the three-year-old child to help establish character Features: narrative components such as plot, characters, setting, conflict and resolution are evident; use of onomatopoeia (Ã¢â¬Å"whirred,Ã¢â¬ Ã¢â¬Å"swished,Ã¢â¬ Ã¢â¬Å"beepedÃ¢â¬ ) to mimic the distracting effects of the busy kitchen EXPOSITORY PARAGRAPH An expository paragraph explains something; its purpose is to help the reader understand. In order to ensure that the purpose is achieved, the writer of the paragraph may utilize a number of paragraph features and language techniques. One essential feature is logical organization. This may take a number of forms, including demonstrating cause and effect or following aÃ chronological order. Another important feature is providing support for the explanation being made. This support may consist of examples, illustrations, statistical or expert evidence, or even appropriate anecdotes. A final critical feature is clarity of language. The paragraph may make employ language devices such as metaphors or allusions to help illustrate its points, but they must be relatively straight forward and easy to follow so that no misunderstanding of the important points will occur. By employing these kinds of features and techniques, the writer of an expository paragraph will ensure that the paragraphÃ¢â¬â¢s meaning is clear to the reader. Paragraph Analysis Purpose: to explain some of the techniques used by the writer of an expository paragraph to achieve his or her purpose (!) Structure: The first sentence is a topic sentence; the second is the thesis statement. The body sentences list, explain and give examples of the paragraphÃ¢â¬â¢s features, and the concluding sentence summarizes the main point of the paragraph. Language: language is relatively formal Features: The paragraph uses a format of making a point followed by examples. There is Ã¢â¬Å"listingÃ¢â¬ transition (Ã¢â¬Å"One essential feature,Ã¢â¬ Ã¢â¬Å"Another important feature,Ã¢â¬ Ã¢â¬Å"A final critical featureÃ¢â¬ ) between sentences to help the flow of the paragraph. PERSUASIVE PARAGRAPH Telephone solicitation is more than just an annoyance to those on the receiving end of the calls. In fact, telephone solicitation can be disastrous for people in all kinds of situations and, thus, must be stopped. For one thing, telephone solicitation typically occurs in the late afternoon and early evening, prime family time. This can cause chaos in two ways. One, continual interruption of shared family meal times, rare as they can be, can put a significant strain on family relationships; this is a troublesome point in light of the divorce statistics of today. Even worse, when families are embroiled in homework wars or are having trouble getting toddlers to bed, a poorly-timed telephone call may be the straw that breaks the camelÃ¢â¬â¢s back, moving the suffering parents to lose their coolÃ completely. This could result in a form of domestic violence, verbal or even physical: yet another reason for a family to break apart. Another way in which telephone solicitation can prove dangerous to people stems from its very familiarity. Because so many telephone calls come from telephone solicitors, offering everything from insurance opportunities to vinyl siding, the calls become accepted as a legitimate way to do business. This plays into the hands of criminals. The trust individuals place in the honesty of the legitimate solicitors is extended to those who are, in fact, dishonest and out to abscond with the proceeds of othersÃ¢â¬â¢ bank accounts. Clearly, in order to save families and their hard-earned dollars, telephone solicitation should be banned. Paragraph Analysis Purpose: to convince the reader that telephone solicitation should be banned Structure: introductory sentence, thesis statement (sentence #2), body sentences which provide examples for points made, a concluding sentence which states the thesis in stronger terms Language: language is emotionally loaded at times (ex., Ã¢â¬Å"disastrous,Ã¢â¬ Ã¢â¬Å"chaos,Ã¢â¬ Ã¢â¬Å"embroiled in homework wars,Ã¢â¬ Ã¢â¬Å"domestic violenceÃ¢â¬ ); added words such as Ã¢â¬Å"ClearlyÃ¢â¬ in the concluding sentence makes it difficult to argue against the point Features: strong rhetorical language; a variety of sentence lengths keep the paragraph moving; short sentences highlight and give Ã¢â¬Å"punchÃ¢â¬ to inflammatory statements (ex., Ã¢â¬Å"This plays into the hands of criminals.Ã¢â¬ ); stops argument by stating that the evidence Ã¢â¬Å"clearlyÃ¢â¬ supports the thesis LITERARY PARGRAPH Holden Caulfield, the narrator and protagonist of J.D.SalingerÃ¢â¬â¢s well-known novel, The Catcher in the Rye, is an unreliable narrator. This leads the reader to suspect that HoldenÃ¢â¬â¢s story is not all that is appears, and coaxes the reader to look more deeply into the character and his situation. Very early in the novel, Holden himself casts doubt on his reliability as a narrator when he confesses to his in-story audience, a psycho-therapist, that he is Ã¢â¬Å"the most terrific liar you ever saw in your life. ItÃ¢â¬â¢s awfulÃ¢â¬ (Chapter 3). This self-indictment alerts the reader to the fact that everything Holden says will need to be taken with a grain of salt and that it will be important to look beyond the surface of the text. Later in theÃ novel, Holden relates a story about his date with a girlfriend in which she tells him to stop yelling at a club. He protests that he Ã¢â¬Å"wasnÃ¢â¬â¢t even yellingÃ¢â¬ but it is clear from his description that he probably was yelling, and that his girlfriend was trying to calm him down. This incident, and others like it, suggests that Holden is not good at monitoring his own behaviour. This again calls into question HoldenÃ¢â¬â¢s explanations of what goes on in the novel and encourages the reader to look seriously at the words spoken by the other characters, even if they are related through HoldenÃ¢â¬â¢s eyes. Thus, through both HoldenÃ¢â¬â¢s explicit assessments of his own personality and the implicit meaning of the events in the story, the reader can see that Holden Caulfield is a less-than-reliable narrator whose story must be examined deeply in order to be understood. Paragraph Analysis Purpose: to interpret and explain an aspect of a literary text Structure: First two sentences work together to alert the reader to the topic and the thesis. The body sentences extend the discussion, and the conluding sentence restated the thesis. Language: language is formal and makes use of integrated quotations to add to the authority of the interpretation Features: identifies the title of the work and the author in the introductory sentence; uses literary terms (i.e., Ã¢â¬Å"unreliable narratorÃ¢â¬ ); uses integrated quotations to support the discussion; remains focused exclusively on the text (no Ã¢â¬Å"real lifeÃ¢â¬ references)
Wednesday, January 22, 2020
Romantic Contradiction in the Poetry of John Donne John Donne's poem "Elegy 19: To His Mistress Going to Bed" is closely related to "The Sun Rising" in its treatment of love, lust, and togetherness. Both discuss and argue different stances on the same topics, but are united by their language and development. The structure of "Elegy 19" and use of poetic techniques relate it directly and indirectly to "The Sun Rising". In "Elegy 19", there are forty-eight lines of adoration of the mistress of the title; this poem is full of reverence, veneration, and respect for the female form. In passages such as Your gown going off, such beauteous state reveals As when from flowery meads th' hill's shadow steals or perhaps Full nakedness! All joys are due to thee. As souls unbodied unclothed must be, To taste whole joys. Gems which you women use Are like Atalanta's balls, cast in men's views Donne clearly has a high and lofty image of the human female form. Yet this deification is undermined by the lusty, bawdy qualities of the poem. For example, when Donne reaches the conclusion of the poem he does not summarize his mistress' physical beauty, but instead promises sexual adventure. This is seen in the final three lines, Here is no penance, much less innocence. To teach thee, I am naked first; why then What need'st thou have more covering than a man? which clearly negates (or at least portrays negatively) the earlier, more romantic aspects of the poem. Other words have double meanings, which furthers the bawdy aspects of the poem, making seemingly innocuous passages into ribald declarations. Examples of double usage of words include "labor", which means both Ã¢â¬Ëget to work s... ...mplies sexual activity. Indeed, despite its romantic qualities, invoking the bed the lovers share as the center of the sun's orbits has a clear sensual tinge; it is as if the sexual activity of the lovers is the center of the world, for what else is a bed the symbol of, if not consummation of love? So in these two Donne poems, "Elegy 19" and "The Sun Rising", various poetic structures are used to create a split atmosphere of both romantic love and sexual love, which coexist within the fabric of the poetry. Donne skillfully uses such forms as direct address, indirect address, both stanzaic forms conventional and unconventional, and adept language manipulation to convey two messages simultaneously, and in doing so he paints an accurate portrait of the reality of love: that there is always a mix of romantic and sexual sentiments in the relationships between lovers.
Tuesday, January 14, 2020
The spartocist uprising was also known as the January uprising, it was a general strike in Germany from 5 January to 15 January, in 1919. The aim of the spartocist was outlined in their manifesto. Ã¢â¬ËThe Spartocist manifesto 1918 The question today is not democracy of dictorship. The question that history has put on the agenda reads: bourgeois democracy or socialist democracy. For the dictatorship of the proletariat does not mean bombs, putsches (pushes), riots and anarchy, as the against of the capitalist profits deliberately and falsely claim. Rather, it means using all the instruments of political power to achieve socialism, to expropriate the capitalist class, through and in accordance with the will of the revolutionary majority of the proletariatÃ¢â¬â¢. This is referenced from: www. schoolhistory. org. uk/As level_ History/spartacistuprising. htm This shows that the communist do not wish to start was but want to help the community and its people. They want to make right and equality. The do not wish to harm their country as theyÃ¢â¬â¢re the people living in Germany. The uprising began after January 4 after the discharge of Berlin Chief of police, who was also the member of Independent Social Democratic Party (USPD) by the Ã¢â¬Å"Council of the peopleÃ¢â¬â¢s deputiesÃ¢â¬ . He had, then, refused to take up action against striking workers on Christmas Eve on December 24. In every sense, it was futile at that moment, to gesture against the government. Elbert Friedrich withdrew his government to the safety of Weimer and allowed the police and what remained of the regular army to bring peace and stability to Berlin, once again. There was no mercy shown to the spartocist/communist whose leaders were murdered after their arrest. The majority of the spartocist were civilian. No-one doubted who would win. Around 100 civilians, 17 police cop soldiers died during the fight. Liebknecht and Luxemburg were captured and killed by the police-with their death, the party fell into a temporary disorganisation and untidiness through the communist party gained strength in 1920Ã¢â¬â¢s under the leadership of Thurman. By 1928, the spartocist/communist had grown into a minority political party.
Monday, January 6, 2020
Abortion is a term use for terminating a human pregnancy, which most often performed during the first 28 weeks of pregnancy. According to the survey that Abortion Rights Coalition of Canada have conducted in 2013, there is a total of 82, 869 Canadians has had an abortion. Abortion should be legalized due to specific circumstances like incidents, disabilities, and teenage pregnancy. Rape is an act sexual intercourse without the consent of the victim. When a woman gets raped, she experiences Rape Trauma Syndrome (a medical term given to the response that survivors of rape). If the incident caused the woman to get pregnant, there is a high possibility that she might want to get an abortion. Sam Sherwin writes Ã¢â¬Å"If the fetus is the result of rape or incest, then the psychological pain of carrying it may be unbearable, and the woman may recognize that her attitude to the child after birth will be tinged with bitternessÃ¢â¬ (Cohen, 2012). After you experience a very traumatic incident (which this case is a rape), would you still want to remember it every single day of your life? You might not love or give your baby an attention that youÃ¢â¬â¢re supposed to. As a result, he/she wonÃ¢â¬â¢t get that much of attention from you and you will just be furious at your baby because he/she reminds you of your worst nightmare. If a woman is experiencing schizophrenic delusion that she thinks that her pregnancy is the result of rape or incest in spite of the fact that her pregnancy is not causedShow MoreRelatedShould Abortion Be Legalized?1357 Words Ã |Ã 6 Pagessaid Margaret Sanger (Quotes About Abortion). An abortion is the deliberate termination of a human pregnancy, most often performed during the first 28 weeks of pregnancy. 69% of women that have abortions are economically disadvantaged (The Demographics Of Abortion: It s Not What You Think). This is one of the reasons abortions should stay legalized, over half of the women would have been struggling to take care of their child without it. Abortion was legalized on January 27, 1973 in a 7-2 decisionRead MoreShould Abortion Be Legalized?1495 Words Ã |Ã 6 Pagesbetter, whom the president should be or who or if at all, we should be at war with; no one can unanimously agree on any topic in this country. This is no different then with the current hot topic of abortion. Abortion, although legal in this country, is still treated and viewed as taboo because of a dominantly Christian-American society. Some Christians make it seem that if you are pro-choice then you are pro-murder. However this is not the case. I will explain what abortion really is and why it isRead MoreShould Abortion Be Legalized?869 Words Ã |Ã 4 Pages Abortion has become a common argument topic in America; numerous individuals consider themselves pro-life and others pro-choice. Those who consider themselves pro-life oppose abortion, while those who are pro-choice advocate for abortion to be legalized. I believe that abortion should be illegal and that life should be recognized upon conception. Almost all abortions occur during the first trimester when the fetus cannot live outside of the motherÃ¢â¬â¢s body. People who are pro-choice believe thatRead MoreShould Abortion Be Legalized?1172 Words Ã |Ã 5 Pages Although some believe abortion is morally and ethically wrong should it be legal for victims of rape or incest who have no other alternative? Pro-Life advocates believe as horrible as abortion is, the baby is still innocent of any crime. Nobody should be killed for the crime of another person. While Pro-Choice advocates believe if a woman is pregnant by rape, compassion demands that she be allowed to abort. On the other hand, the pro-life vs pro-choice debate tends to overlook the fact that theRead MoreAbortion Should Not Be Legalized972 Words Ã |Ã 4 PagesAbortion is killing over 1.4 million unborn children in a year (Ã¢â¬Å"TheyÃ¢â¬â¢re NotÃ¢â¬ ). For example, there was the case where a doctor got arrested for killing seven babies and a patient. The clinic he had was described as the house of horror by detectives because doctor Gosnell kept baby parts on a shelf in his clinic. In addition, it was said that he Ã¢â¬Å"forced the live birth of viable babies in the sixth, sevent h, and eighth-month pregnancy and then killed those babies by cutting into the back of the neckRead MoreShould Abortion Be Legalized?1200 Words Ã |Ã 5 PagesAbortion is a very hot topic that has been repeatedly contended over for the past few years. The argument is should abortion be legalized or not? First before we get into the many sides of abortion we must to know what is abortion. Abortion means ending a pregnancy before the fetus can live independently outside the world. If abortion happens unplanned before 24 weeks of pregnancy. It is called a miscarriage. Abortion is caused design to order to end the pregnancy (Brown, 2013). This can be completeRead MoreShould Abortion Be Legalized?1680 Words Ã |Ã 7 Pagesrights. A hot topic that is one of the most refuted in todayÃ¢â¬â¢s society is abortion. One may not see abortion to be acceptable, although, does it make it right to take away that right from someone else? It has taken women a lot of fight and willpower to gain ri ghts to their own bodies, illegalizing abortion would take that right away. Therefore, the question is, should abortion continue to be legalized? First and foremost, abortion can be seen as a way of having full control over oneÃ¢â¬â¢s personal body.Read MoreAbortion Should Be Legalized Or Not?1902 Words Ã |Ã 8 PagesDecember 2014 Abortion should be legalized or not? Abortion in itself is a very controversial topic and different people has different views on it some says it should be legalized while others in the other hand says legalization of abortion can create a lot of problems. Abortion is the spontaneous or induced termination of pregnancy before fetal viability. According to WHO, abortion is the pregnancy termination prior to 20 weeks gestation or a fetus born weighing less than 500 grams. Abortion may be self-induced;Read MoreShould Abortion Be Legalized?1685 Words Ã |Ã 7 Pagesagainst women having an abortion, no matter what situation they are in, the point of women having their own rights should include whether they choose to have their own kid or not. The United States today is very divided on the whole abortion issue, typically republicans are against it calling theirselves Ã¢â¬Å"pro-lfeÃ¢â¬ and democrats are typically for abortion and they call theirselves Ã¢â¬Å"pro-choice.Ã¢â¬ Abortion had been practiced in the United States ever since 1880, but it wasn t legalized nationwide untilRead MoreShould Abortion Be Legalized?1799 Words Ã |Ã 8 PagesAbortion across America Teenage pregnancy has become a norm in America. Sex education is gradually losing significance among the youth. Despite the wide range of contraceptives, many young women are continually getting pregnant. Additionally, the number of young boys and girls ruining their lives at an early stage as a result of quick moments of pleasure is alarming. Moreover, the advancement in technology is an increasingly contributing factor to the high rates of teenage pregnancy (Garfield