Faith Diversity Essay Example for Free

Faith Diversity Essay This paper will look and examine four diverse faiths: Christianity, Buddhism, Rastafarianism and Islam spiritual perspective on healing. In Christianity, prayer is a way that a person can stay healthy physically, mentally and spiritually. Health is viewed by having a strong spiritual relationship with the Lord and living ones life by the word of God. Buddhist need a balance of health both mentally and physically in order to achieve optimal health. They way that they are able to restore health would be by practicing healthy dietary habits or meditation. Rastafarianism view on health as a balance of the mind, the body and the soul achieved with a more holistic approach like prayer and herbal treatments. Lastly, Islam reaches ultimate purity by having a clean body and soul. They must cleanse often and pray often. Religions differ in many ways; they could have a different sacred books, have different deities, or have different views on how to live a full life, ultimately they want the same thing, to have their faiths respected and incorporated into the care they are receiving. Introduction Throughout the world, there are thousands of distinctly different religious affiliations. In the United States alone, there are approximately 313 religions and denominations (All Religions and Denominations in the US, 2008). This paper will examine four diverse faiths Christianity, Buddhism, Rastafarianism and Islam. It will look at the philosophy of these four faiths when having care provided to them. It will specifically look at the spiritual perspective on healing. It will examine the critical components of healing for these faiths. Along with looking at these diverse faiths, this paper will look at what is important for people who are receiving care from health care providers whose views differ from their own. Christianity The Christians were the first people to start the worlds first voluntary charitable institutions which were hospitals (Trangelder, 2007). The reason that they started these hospitals is because they wanted to help the poor and those that were sick and dying (Trangelder, 2007). Health care and Christian belief go hand in hand. One of the most crucial components in healing is prayer. The Christians hold prayer in very high regard. They feel that prayer has the ability to make them better. In the book James 5:14-15(English Standard Version) it states, Let him call for the elders of the church, and let them pray over him, anointing him with oil in the name of the Lord. And the prayer of faith will save the one who is sick, and the Lord will raise him up(Biblegateway, 2001). Along with prayer, the bible mentions many ways that a person can stay healthy physically, mentally and spiritually. Ultimately, the way to stay healthy is by having a strong spiritual relationship with the Lord and living ones life by the word of God. Buddhism The Buddhist has a different holy book then the Christian faith. There sacred book is called Tripitaka. This holy book mentions that the only way to be truly healed is to be healthy in mind and body. Western medicine focuses on curing symptoms to treat medical problems, but the Buddhist see this only as a short term fix. In order for one to be healed one must also treat the spiritual aspect of the disease and its mind-based causes and remedies must be the primary considerations(Buddhism, Medicine, and Health, n. d. ). Buddhist feel that possible reasons for illness or disease would be 1) an imbalance of the four elements (earth, water, fire, and wind), 2) irregular dietary habits, 3) incorrect meditation methods, 4) disturbances by spirits, 5) demon possession, and 6) the force of bad karma (Buddhism, Medicine, and Health, n. d. ). They way that they are able to restore health would be by practicing healthy dietary habits, meditation, paying respect to the Buddha, repentance, reciting mantras, reciting the Buddhas name and using the dharma as medicine (Buddhism, Medicine, and Health, n. d. ). By doing this they would be able to find a balance physical and mentally and find long-term health. Rastafarianism Like the Christians, the Rastafarians sacred text that they pray to is the Bible, but the difference is how it is interpreted. The Rastafarians also feel that the head or God incarnate is Haile Selassie. He was a former Emperor of Ethiopia (Griffith, 2009). In Rastafarianism health care takes a holistic approach to healing; they believe that the concept of health extends to three spheres: the mind, the body and the soul (though sometimes the psychological and spiritual can sometimes be categorized together)(Rastafari and the Environment, 2012). They cure illnesses by use of home remedies or tonics rather than visiting a doctor. Rastafarians disown western influences of ideology, diet, lifestyle and religion in favor of belief systems and practices of African origin, which emphasizes the use of natural ingredients and tools(Rastafari and the Environment, 2012). Islam For the Islam, their sacred text is the Quran. In the Quran, unlike the Christians, Muhammad is the prophet sent to Earth to pass the word of the Lord, Allah. The Muslims feel that good health is one of the ways to get to heaven. In the Quran, it has teachings that show people how to protect his or her health and live life in a state of purity (Muslim Health Network (n. d). The single most important thing for this faith is prayer. Muslims perform it five times a day. The obligatory prayers provide a good means for the circulation of blood, breathing and general suppleness of joints (Muslim Health Network (n. d). Along with prayer they must cleanse after prayer, have a healthy diet, fast and refrain from intoxicates. Despite these religious differences in the United States, peoples only wish is to have their religious views respected and honored if possible. No matter if healthcare providers spiritual beliefs differ from those in their care, patients want their faith to be incorporated into the care that they are receiving. The Christian philosophy as written in the book of Luke 6:31 (English Standard Version) And as you wish that others would do to you, do so to them(Biblegateway, n. d. ). This goes in line as all people would like to be treated, no matter how different spiritual views might be. In conclusion, the author learned that although many religions differ ultimately they want the same thing, to have their faith incorporated into the care they are receiving. Religions differ in many ways, they could have a different scared book, have different deities, or have different views on how to live a full life. Medication, chanting or prayer can help achieve inner peace to ultimately reach health inside and out. ? References Biblegateway (2001). James 5:14-15 ESV Is anyone among you sick? Let him call Bible Gateway. Retrieved from http://www. biblegateway. com/passage/? search=James+5%3A14-15version=ESV Biblegateway (n. d. ). Luke 6:31 ESV And as you wish that others would do to Bible Gateway. Retrieved from http://www. biblegateway. com/passage/? search=Luke%206:31version=ESV Buddhism, Medicine, and Health. (n. d. ). Retrieved from http://www. blia. org/english/publications/booklet/pages/37. htm Griffith, J. K. (2009). THE RELIGIOUS ASPECTS OF NURSING CARE (4th ed. ). Vancouver, B. C Muslim Health Network (n. d. ). Islam Health. Retrieved from http://www. muslimhealthnetwork. org/islamandhealth. shtml Tangelder, J. D. (2007). A Christian Perspective on Healthcare. Retrieved from http://www. reformedreflections. ca/faith-and-life/chr-perspective-healthcare. html Rastafari and the Environment (2012). Natural Healing and Medicine. Retrieved from http://caribbeanreligionuvm. wordpress. com/category/natural-healing-and-medicine/

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Neither agile nor plan-driven processes and methods provide a silver bullet. As per Boehm and Turner concepts of balancing agility and Discipline six exemplary conclusions were made, of which first one is that neither agile nor plan-driven processes and methods provide a silver bullet which implies that either of the agile or plan-driven approach is not applicable in all situations. Both the processes deals with the essential software engineering complications like complexity, changeability, invisibility and conformity while both the processes have its own advantages and disadvantages. Agile method to some extent achieves changeability and invisibility as the project’s strategies and its implementation is discussed and shared among all the members of a team whereas it fizzles to handle complexity of the project and conformity. Also agile method fails in scaling up to large complex projects. Plan driven concepts handle conformity and invisibility as thorough documentation and extensive planning is done. But it fails in handling changeability as it is di fficult to do re-documentation every time and also fails to handle increasing complexity as new systems are added which involves enterprise integration. Hence it can be said that neither agile nor plan-driven processes provide silver bullets instead they can be termed as lead bullets individually. Agile and plan-driven processes and methods have home grounds where one clearly dominates the other. Considering the set of conditions under which the project is most likely to succeed home grounds are derived both for the agile and plan driven processes. As the project differ from the home ground conditions the risk in using the approach also increases. Analyzing these home ground factor... ...pproaches for achieving balance between agile and plan driven processes like crystal orange, DSDM, FDD and lean development. Same is followed for plan driven methods that are more lightweight like RUP (Rational Unified Process).Basing upon the project requirements the methods best suitable to the project are developed with a blend of both agile and plan driven approaches. It is better to build your process and method up than to tailor it down. Generally plan driven processes practices developing all inclusive approaches designed to be tailoring it down to fit a particular situation. But tailoring down all inclusive methods requires highly experienced staff and leads to unnecessary expenses in time and resources, Instead it is recommended that we build up our own method starting with minimal sets of practices and adding extras only if it is necessary and justified.

Includes recommendations for banking in China Essay

The bank is progressively upgrading its services and is attempting to match the best practices in the banking industry. This is evident from its Factoring programme for businesses. This enables business people to assign receivables to Bank of China and in turn they are provided with all facilities for collection, finance of trade, risk control and ledger sales management. In addition there is easy finance on production of delivery of goods, provision of capital at low cost, protection of credit to the seller despite any financial difficulty of the buyer, thus in some cases it will be the buyer also who will be benefiting along with the seller in case Factoring is undertaken. The Factoring services include export and import factoring as well export and domestic invoice discounting and domestic full factoring. Being the first and the largest factoring services provider in China’s banking sector, it has build extensive experience in this field and therefore will provide assured services. (Factoring, 2006). BOC has developed partnerships with large state held Chinese corporations such as the oil and petroleum company China National Petroleum Corporation. This will add value to its global business and create partnerships for growth. Security and risk management in Bank of China is dependent on its corporate governance policy. This is determined and controlled by the board of directors which oversees the overall operation and administration. As per standard norms of banks, committees are appointed to supervise various banking functions which include those for strategic planning, audit, risk management, personnel and remuneration and transaction controls. (Governance, 2006). The various stake holders in the bank include apart from the state government, the share holders, a board of directors, in which the posts of Chairman and President are said to be separate, a board o f supervisors and senior management. (Governance, 2006). The large quantum of non performing assets and a state control however does not immediately contribute to confidence in this area. The Bank is prone to provide for areas which are determined by the Central government and to that extent its policies are not ruled by the needs of ensuring profitability and efficiency. The picture in China is however continuously changing and greater progress in this sphere is anticipated in the future. HSBC exploits it legacy of banking in China to effect as it has been present in the Middle Kingdom since 1865. (HSBC China, 2006). The Bank provides the customers the advantage of being a single banker for domestic as well as foreign banking services thereby providing it convenience, speed, security and assurance. (HSBC China, 2006). HSBC is seen to operate at an entirely different level. The products, services and processes for the customers have been well established by the bank. It is now marketing these facilities to provide growth both in the personal and business banking sectors. Modern banking as practiced by HSBC is not only creating facilities such as automated teller and cash machines but actually recognizing the benefits of customers using these. This leads banks as HSBC to sponsor various gift schemes for users who use cash machines or pay their bills online. This indicates that services are not mere conveniences but offers which enable the bank to actually increase its efficiency. Then there are services such as money managers for the business, high interest deposit bonds, money market account and clients deposit account which enables pooling of money in a single account. HSBC also manages pensions of employers for a business as well for individuals. For business there are other factilities that are being provided such as business internet banking as well as HSBCnet which provides larger companies with a complete range of services on the internet, invoice finance, Against the internal growth outlook of Bank of China, HSBC is seeking more challenges externally as the Worlds local bank and is investing in many developing countries such as Vietnam, Saudi Arabia and even Iraq. (Schuman, 2006). The low penetration of modern banking systems services for example credit cards in China which for a 1. 3 billion population has only 10 million card holders has promised greater possibility and scope for banks such as HSBC. While HSBC sees itself as the Worlds local bank, the BOC wants to seek primacy in Chinese banking by providing assistance in doing business globally. Thus there is a difference in the focus of both the banks. This also underlines an essential difference in the states of the Chinese banking industry vis a vis global banking conglomerates as HSBC. The Chinese banking industry is still in its nascence and thus sees itself as a provider of financial services to its domestic clientele be it personal or corporate to operate internationally. On the other hand HSBC sees itself as a bank for global banking regardless of the nationality of its clients. The Bank of China will have to face these challenges in the future in a very cohesive manner. Bank of China is well established domestically as well as globally. It can conduct sustained operations as it has adequate experience and exposure to varied political, economic and financial regimes. The global orientation of the bank is particularly favorable for its sustained growth and expansion in the future. It can thus provide the lead to other banks in China.

The Beginning of Omaxe Ltd. - Free Essay Example

Sample details Pages: 8 Words: 2464 Downloads: 1 Date added: 2017/09/15 Category Advertising Essay Did you like this example? The beginnings Incorporated as Omaxe Builders Private Limited in 1989, to undertake construction contracting business, the company changed its constitution to a limited company known as Omaxe Construction Ltd. , in 1999. The name of the company has now changed to Omaxe Ltd in 2006. Don’t waste time! Our writers will create an original "The Beginning of Omaxe Ltd." essay for you Create order [pic] Omaxe was founded by Shri. Rohtas Goel, a first generation entrepreneur, a civil engineer by qualification and a visionary. With over two decades of experience in construction and real estate development, Rohtas Goel, as Chairman Managing Director of Omaxe Ltd. has been at the forefront of the real estate industry, following its motto â€Å"Turning Dreams into Realty† through building world class residential and commercial projects. As a civil construction and contracting company, Omaxe successfully executed more than one hundred and twenty industrial, institutional, commercial and residential projects for a number of prestigious Indian private, public sector and Multinationals clients such as Amity University, LG, Pepsi, Samsung, Wave Cinemas, National Brain Research Centre, P. G. I. M. E. R, Apollo Hospitals and Delhi High Court. To capture the opportunities offered by the growing real estate market in India, Omaxe entered the real estate development business in 2001. Today and Tomorrow In the span of a few years, Omaxe Ltd. has experienced exponential growth and success, crowned by its landmark IPO oversubscribed by 68 times in 2007, and is now amongst the largest public-listed real estate development companies in India. The company has completed and delivered 17 projects across India, covering sprawling 10. 8 million sq ft of total area, consisting of 9 Group Housing projects, 2 integrated townships and 6 commercial projects. The company currently has 53 projects under execution and planning. Among these are 21 Group Housing projects, 21 Integrated Townships including a Hi-Tech City, 9 shopping malls and commercial complexes and 2 Hotel projects. These 53 projects are located in 38 towns in 10 states in northern, central and southern India. Besides, there are 8 o ngoing infrastructure contracting projects. To undertake such expansion, Omaxe Ltd. oday, is backed by a professional and competent Team Omaxe: a constantly growing workforce of currently over thirteen hundred professionals, including highly-qualified engineers, architects, Chartered Accountants, MBA’s, etc. With high standards in line with Mr. Goel’s vision and ambitions, Team Omaxe makes Omaxe Ltd. a strong, structured and high-growth ISO-certified company with a bright future. Taking forward our vision to provide an environment of professionalism, competence, teamwork and service excellence, Omaxe is working towards benchmarking our HR policies with the best employers and international standards. Thanks to its strong experience in construction, Omaxe’s uniqueness also lies in the fact that the company doesnt give its projects on sub contract: while assuring timely completion, this also allows keeping pace with the progress in construction technology, helping to give clients â€Å"value for money†. Today, OMAXE enjoys a reputation of being one of Indias leading real estate developers with an indelible focus on customer satisfaction. Omaxe has adopted quality system standards that integrate technological and design innovations with a strong technical base to provide state-of-the-art real estate options. Omaxe has also been the first to: †¢ offer Penalty Clause †¢ introduce Sample Flats concept †¢ offer ready-to-move-in homes Besides this, Omaxe is the first to have created and implemented the concept of Eco Friendly City, integrating Environment Protection Measures in all projects, with a defined implementation process. For Omaxe, environment protection and innovative architecture and practices are the standards of today and tomorrow’s in real estate development. Achievements Awards Omaxe was the first Construction Company of northern India to receive an ISO 9001:2000 Certification. Omaxe has received a number of awards from the industry as recognition of its continued commitment and efforts towards achieving excellence in concept and construction quality. ‘Svedala’, ‘Udyog Ratna, ‘Pride of the Country, ‘Arya Vaidya Sala ‘Industrial Award are some of the many prestigious awards that have honored Omaxe in the past years. | | | | | | | | Vision†: †¢ Commitment towards Quality, Integrity and Value Creation for all stakeholders / customers. †¢ Implement Best Business Practices that goes beyond customer expectations. †¢ Establish new benchmarks for the industry by besting existing standards. †¢ Deliver high quality Residential and Commercial projects that correlate with Global Developers. †¢ Lead the real estate industry with high caliber, efficient manpower and cutting edge technology. †¢ To ensure continuous delight for our customers and stakeholders by always staying a step ahead of the cu rve. Accelerate the limits of excellence through path breaking innovation and professionalism. OUR MISSION †¢ To create a progressive organization that can boast of International Standards in Integrity, Ethics, Corporate Social Responsibility and Business Transparency. †¢ To create a culture of professionalism, core competence, teamwork, leadership and service excellence. †¢ To conceive and deliver quality that conforms to the best practices of Eco – Friendly development. †¢ To leverage modern cost effective techniques resulting in quality, durability, wealth creation and value multiplication CODE OF Business conduct and ethics Philosophy The Company is committed to the adoption of best corporate governance practices which ensure accountability of management and maximisation of stakeholders value. We shall strive to put in place process, system, control and governance structures for protecting and furthering the interest of our stakeholders. |National Interest | |The Company shall be committed in all its actions to benefit the economic development of the country and work towards making | |India a developed nation. It shall not undertake any project or activity to the detriment of the national interest or those that| |will have any adverse impact on the social and cultural life. The Company shall conduct its business affairs in accordance with | |the economic development, foreign policies, objectives and priorities of the nation and shall strive to make a positive | |contribution to the achievement of such goals at the regional, national and international levels. |Stakeholders | |The Board of Directors of the Company shall duly and fairly inform its stakeholders about all relevant aspects of the Companys | |business, and disclose such information in accordance with the respective regulations and agreements. | |People | |We believe in line of our HR Philosophy to uphold the values which are at the core of our business ethics, honesty, integrity, | |team work, objectivity, self respect and human dignity. We believe in fair trustworthy relationships. | |Equal-Opportunities | |The Company shall provide equal opportunities to all its employees and all qualified applicants for employment, without regard | |to their race, caste, religion, colour, ancestry, marital status, sex, age, nationality, disability and veteran status. | |Employees of the Company shall be treated with dignity and in accordance with the Company’s policy. |Employee policies and practices shall be administered in a manner that ensures in all matters equal opportunity is provided to | |those eligible and the decisions are merit-based. | |As a good corporate citizen, OMAXE Limited is committed to a gender friendly workplace. This is in order to enhance equal | |opportunities for men and women; to prevent/stop/redress sexual harassment at the workplace and to guarantee good employment | |practices. Sexual harassment includes unwelcome sexually determined behaviour such as: unwelcome physical contact; a demand or | |request for sexual favour; sexually colored remarks; showing pornography and any other unwelcome physical, verbal or non-verbal | |conduct of a sexual nature. The Company maintains an open door for reporters; encourages employees to report any harassment | |concerns and is responsive to employee complaints about harassment or other unwelcome and offensive conduct. |Elimination of Child Labour | |It is the Company’s policy not to support child labour. The Company is committed to implement the provisions of the Child Labour| |(Prohibition and Regulation) Act, 1986. The Company is aware of social reality of the existence of child labour and recognises | |that this evil cannot be eradicated by simply setting up rules or inspections. Towards this end, the Company is committed to | |work in a pro-active manner to eradicate child labour by actively contributing to the improvement of children’s social | |situation. | |Safety, Health and Environment | |The Company attaches great importance to a healthy environment and to the safety of its employees. The Company shall be | |committed to prevent the wasteful se of natural resources and minimise any hazardous impact on environment. | |Ethical Conduct | |Every employee of the Company, which shall include a whole-time director and the managing director shall deal on behalf of the | |company with professionalism, honesty and integrity, as well as high morale and ethical standards. Such conduct shall be fair | |and transparent and be perceived to be as such by third parties. |Transparency and Accountability | |All Company employees shall ensure that their actions in the conduct of business are totally transparent except where the need | |of business security dictat es otherwise. Such transparency shall be brought through appropriate policies, systems and processes,| |including appropriate involvement of more than one manager in recording decision logic and maintaining supporting records. All | |managers shall voluntarily ensure that their areas of operation are open to audit and the conduct of their activities are | |totally auditable. | |Conflict of Interest | |All Company employees must avoid situations in which their personal interest could be in conflict with the interest of the | |Company. The guiding principle is that any conflict or potential conflict must be disclosed to higher management for guidance | |and appropriate action | |Gifts and Donations | |The Company and its employees shall neither receive nor offer or make, directly or indirectly, any illegal payments, | |remuneration or comparable benefits which are intended to or perceived to obtain business or uncompetitive favours for the | |conduct of its business, however, the company and its employees may accept and offer nominal gifts which are customarily given | |and are of commemorative nature for special events. | |The Company and its employees shall not offer or give any Company’s fund or property as donation to any government agency or | |their representatives, directly or through intermediaries, in order to obtain any favourable performance of official duties. |Financial Reporting and Records | |The Company shall prepare and maintain its accounts truly and fairly in accordance with the account ing and financial reporting | |standards which represent the generally accepted guidelines, principles, laws and regulations of the country in which the | |Company conducts its business affairs. | |Internal accounting and audit procedures shall fairly and accurately reflect all of the Companys business transactions and | |disposition of assets. All required information shall be accessible to Company’s auditors and other authorised parties and | |government agencies. There shall be no willful omissions of any company transactions from the books and records. |Any willful material misrepresentation of and/or misinformation on the financial accounts and reports shall be regarded as a | |violation of this code, apart from inviting appropriate civil or criminal action under the relevant laws. | |Regulatory Compliance | |Every employee of the Company shall, in his or her business conduct, comply with all applicable laws and regulations, both in | |letter and in spirit, in all the te rritories in which he or she operates. If the ethical and professional standards set out in | |the applicable laws and regulations are below that of the code, then the standards of the code shall prevail. |Protecting Company’s Assets | |The assets of the Company should not be misused but employed for the purpose of conducting the business for which they are | |procured. These include tangible assets such as equipment and machinery, systems, facilities, materials, resources as well as | |intangible assets such as proprietary information, relationship with customers and suppliers, etc. | |Selecting Suppliers | |The Company’s suppliers make significant contributions to our success. To create an environment where our suppliers have an | |incentive to work with the Company, they must be confident that they will be treated awfully and in an ethical manner. | |Selection of suppliers is to be made on the basis of merit, price, quality and performance. The Company’s poli cy is to select | |significant suppliers or enter into significant supplier agreements through a competitive bid process where ever possible. Under| |no circumstances should any Company employee, agent or contractor attempt to coerce suppliers in any way. The confidential | |information of a supplier is entitled to the same protection as that of any other third party . | |Competition | |The Company shall compete only in an ethical and legitimate manner. It prohibits all actions that are anti-competitive or | |otherwise contrary to laws that govern competitive practices in the market place. | |Intellectual Property Policy | |We have an utmost obligation to ourselves to identify and protect the intellectual properties, trade secrets and other | |confidential information owned by the Company and it’s clients or associates because it is critical to our success. By | |â€Å"Intellectual Property Rights (IPR)†, we mean generally patented or potentially patentable inventions, trademarks, service | |marks, trade names, copyrightable subject matter and trade secrets. |We have an obligation to protect the Company’s IPR and Client IPR at all times. | |Political Non-Alignment | |The Company shall not support, directly or indirectly, any specific political party or candidate for political office. The | |Company shall not offer or give any Company’s fund or property as donation, directly or indirectly, to any specifi c political | |party, candidate or campaign. | |Public Representation of the Company | |The Company honours the information requirement of the public and its stakeholders. In all its public appearance with respect to| |disclosing Company and business information to public constituencies such as the media, the financial community, employees and | |stakeholders, the Company shall be represented only by specifically authorised directors and employees. It will be the sole | |responsibility of these authorised representatives to disclose information to the concerned public. | |Confidential Information/Publicity | |No employee shall disclose or use any confidential information gained in the course of employment with the Company for personal | |profit or for the advantage of any other person. No employee shall provide any information either formally or informally to the | |press or to any other publicity media unless specifically authorised to do so. |Disciplinary Actions | |The Company will take appropriate action against any employee, agent, contractor or consultant whose actions are found to | |violate these policies or any other policy of the Company. Di sciplinary actions may include immediate suspension/ termination of| |employment or business relationship at the Company’s sole discretion. Where the Company has suffered a loss, it may pursue its | |remedies against the individuals or entities responsible. Where laws have been violated, the Company will cooperate fully with | |the appropriate authorities. | |Every employee shall be responsible for the implementation of and compliance with this code in his professional environment. | |Failure to adhere to the code could attract the most severe consequences, including termination of employment. |Every employee of the Company shall promptly report to the management any actual or possible violation of this code, or an event| |he or she becomes aware of that could affect the business or reputation of his/her or any other group Company. | |Accountability | |The Board of Directors (BOD) shall oversee the Company’s adherence to ethical and legal standards. All employees and t he members| |of the BOD shall undertake to stop or prevent actions that could harm customers, the system or reputation of the Company. | | | | | [pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pic][pi