Saturday, December 28, 2019
Office Of The Inspector General - 1681 Words
Office of the Inspector General: Review of TOPOFF 2005 The Top Officials Exercise (TOPOFF) held in April 2005, is the third iteration of the mandated biennial national exercise for top officials and key personnel in emergency management, domestic response and consequence management; that included planning events and seminars in order to strengthen the U.S. to assist in the preparation to prevent, prepare for, respond to, and recover from a large scale attack (A Review, 2005). It has been sponsored by the Department of Justice (DOJ), the Department of Homeland Secuirty (DHS), and the Federal Emergency Management Agency (FEMA). In 2009, it was announced that the exercise would be renamed Tier 1 National Level Exercises and would still beâ⬠¦show more contentâ⬠¦According to the Office of Inspector Generalââ¬â¢s (OIG) document (2005), the exercise starts 30 days prior to the simulated event and involves the Intelligence Community (IC). While the exercise is fictional, it is based off of real world events and actual terrorist groups . It was designed to test law enforcement personnel and the IC to detect and disrupt the terrorist strategy as early as possible and react to unclear and evolving information. The exercise was to let the IC and law enforcement agencies employ operational procedures, engage analysis, and provide timely and correct information to the participants of the exercise (ââ¬Å"A Reviewâ⬠, 2005, p. 4). There were 15 different types of simulated attacks that played throughout the years. A 10-kiloton improvised nuclear device, explosives attack, biological attacks ââ¬â anthrax, influenza, and plague, food contamination, and foreign animal disease (zoonotic); chemical attacks of blister agent, toxic industrial chemicals, nerve agent, and chlorine attacks; natural disasters (earthquake and hurricane); radiological attack, and a cyber-attack (ââ¬Å"A Reviewâ⬠, 2005, p. 6). Event 1. TOPOFF 1, May 2000. TOPOFF took place before the events of 9/11 were realized, and was a congressionally mandated drill which lasted 10 days. The simulated bioterrorism attack in Denver and a chemical warfare attack (mustard gas) in New Hampshire were the main targets of the exercise. Lessons learned included the quick
Friday, December 20, 2019
Greece The Greek Debt Crisis - 877 Words
In 2009, The Greek debt crisis began. This crisis is still ongoing today, but there have been many changes that occurred in Greece. This is also known as the Greek Depression. It is part of the ongoing Eurozone crisis, which was generated by the global economic recession which started in October of 2008. It is said to be caused by a combination of a weak Greek economy and an overly high structural deficit and debt to the countries government debt and the gross domestic product. Later in 2009, the question/ fear of sovereign debt crisis, which is the failure or refusal of the government to pay back debt in full, developed concerning Greeceââ¬â¢s ability to even meet its obligations of paying its debt. This all led to a full blown crisis and risk insurance on credit default swaps, which are pretty much giving out loans to help pay off some of their debts. There was a downgrade of the Greek government in April 2010 that alarmed the financial markets. Bond yields rose so high that private capital markets were no longer an option for Greece as a support foundation. In May 2010, the Eurozone countries and the International Monetary Fund gave Greece a ââ¬Å"bailout loanâ⬠of $110 billion, conditional on compliance with 3 conditions 1.)restore fiscal balance 2.) privatization of government assets worth $50 billion by the end of 2015 to be sustainable 3.) to improve competitiveness and growth prospects. Sadly, Greece worked slower than expected and they needed another year offer and moreShow MoreRelatedThe Greek Debt Crisis : Greece1831 Words à |à 8 PagesIII. The Greek Debt Crisis 3.1 From Greeceââ¬â¢s Perspective This section aims to discuss the root of two aspects of the Greek debt crisis. 1.) How did the development of financial system pave the way to Greeceââ¬â¢s economic plight? Structural weakness In the case of Greece, the failure to establish a structural balance between the rule of law and democracy before 1974 affected the functioning of the state by decreasing the potential to implement laws effectively thereby curbing the desire toRead MoreGreece : The Greek Debt Crisis Essay1757 Words à |à 8 PagesBryan Wombles ECON 592 FALL 2016 The Greek Debt Crisis Explained The roots of Greeceââ¬â¢s economic complications spread deep down into the recesses of history. In 2001, these deep rooted issues were forgotten and hid from the rest of the Eurozone after the government joined the Eurozone by dropping the Drachma and adopting the Euro. The initial adoption of euro by entering the Eurozone, Greeceââ¬â¢s economy grew rapidly on average of 4% annually, a rate extremely alarming for the sure fact that it wasRead MoreCauses of the Greek liquidity crisis; how conditions were before the crisis Events that happened1600 Words à |à 7 Pages Causes of the Greek liquidity crisis; how conditions were before the crisis Events that happened preceding the crisis The structural economic support weakened ââ¬âwhen Greece entered the euro zone in 2001 the convergence criteria which supposed to provide sound financial systems within the economy and the GSP were established to prevent financial and economicRead MoreThe Greek Sovereign Debt Crisis1418 Words à |à 6 PagesThe Greek sovereign debt crisis has required multiple controversial bailouts; due to deflation and tense political that have caused Greek citizens to unsatisfied current economic condition. This is a large problem of economic stability and political unity facing the European Union. This study seeks to answer two main questions. Firstly, why should European Union help Greece bailouts its economy woes? Secondly, should Greece change its domestic economic policies in response to demands from the EURead MoreGreek Crisis Case Study1376 Words à |à 6 Pages The Greek Crisis Case Study Kevette Woolfalk Georgia College and State University WMBA6030 Global Business Dr. Doreen Sams Ã¢â¬Æ' Table of Contents Introduction 2 Is Greece Responsible for the Crisis? 3 Alternative Solutions to the Greek Crisis 4 Conclusion 5 References 6 Ã¢â¬Æ' Greek Crisis Introduction At one point in time Europe operated as a zone of trade barriers which made doing trade beyond the border basically impossible. However, this all changed when World War II absolutely overcame EuropeRead MoreGreek Debt Crisis1492 Words à |à 6 PagesOF THE EU AND IMF IN MITIGATING THE GREEK DEBT CRISIS European Sovereign Debt Crisis Timeline: â â" 2008, Icelandââ¬Ës international banking system collapsed following the collapse of the US financial sector â â" Late 2009, fears of a sovereign debt crisis developed concerning some European states. Sovereign debts (Govââ¬â¢t debt) externally issued rose sharply due to numerous bank bailouts. â â" 2010, tensions rose in the countries of Greece, Ireland, Portugal, Hungary, and RomaniaRead MoreThe Principles Of Macroeconomics : Greek Depression Essay1320 Words à |à 6 PagesSection 1 Case Study for Principles of Macroeconomics: Greek Depression Unlike microeconomics, macroeconomics concerns the economy as a whole. It evaluates those key issues like: inflation, GDP and employment rates. It deals with the structure and behaviour of the economy as a whole. Rather than considering the markets as individuals, people in the macroeconomic field develops models to analyse the correlation between consumption, output, inflation, and other international related indicators. InRead MoreGreece - Debt Crisis890 Words à |à 4 PagesBackground on Greeceââ¬â¢s Debt Crisis ââ¬Å"You cannot spend more than (what) you earnâ⬠¦you should not borrow more than (what) you can afford.â⬠This, according to an editorial published by the Greek newspaper Kathimerini, may be the lesson Greeks are now learning the hard way.1 Unrestrained spending of successive Greek governments over a long period may have driven the countryââ¬â¢s budget and current account deficits.2 Greece borrowed heavily from international capital markets to finance public sector jobs,Read MoreThe Greece Crisis : Tragedy Or Opportunity?811 Words à |à 4 PagesThe Greece Crisis ? Tragedy or Opportunity? Ram Subramonian (Buckeye Cohort), FT MBA ?17 How did Greece get into this difficult situation? Whose fault was it? Greece?s affair with the Euro began with huge hopes when it joined the multi-national currency zone in 2001. The, it went horribly wrong after that. At its core, the problems that face Greece today are to do with an economy reeling in debt and low productivity and in which, revenues don?t offset the massive piles of debt. So how did GreeceRead MoreGreece s Euro As A Solution Of Its Budget Deficits Essay924 Words à |à 4 PagesGreece has joined Europe Union since 1981. In the 1990s, it steadily ran substantial budget deficits while using the Drachma as its currency. As a result, in 2001 Greece decided to adopt the euro as a solution of its budget deficits. After using euro, all went well for the first several years. Like other Eurozone countries, Greece benefited from the power of the euro, which meant lower interest rates and an inflow of investment capital and loans. Greece enjoyed a period of growth from 2001 to 2007
Thursday, December 12, 2019
Phantom Warriors Essay Example For Students
Phantom Warriors Essay Title: Phantom Warriors ,book 1Author: Garry A.LindererMain characters: many LRRPs LRPs and Ranger nits in VietnamSummary: The book I read was about LRRPs (long range reconnaissance patrol) ,LRPs (long range patrols) , and Ranger units in Vietnam. The book told stories ofseveral different types of operations in the units most challenging times. The job of a unitof this type was to infiltrate a designated RA( recon area) stealth like as possible with afour to seven man team (sometimes larger). Once on the ground a team would set up anOP ( observation post) and would always try and remain undetected. Because of thesmall number of size an LRP would always avoid contact with the enemy but , the bookproved to me that when confrontation was inevitable the special forces units provedthemselves a truly deadly force. I would say at least ninety percent of the time LRPswould find themselves out numbered in a confrontation. If at all possible they would tryand escape but sometimes fighting your way out was the only way. The LRRPDetactchment, 1st Brigade, 101st Airborne Division had a problem like this. StaffSergeant Papy Lynch and his team where patrolling a high activity area when there teamwas abutted by fifteen or twenty Viet Cong. Off the bat three men went down twoseriously injured and the other shot in the head. There six man team was then a three manteam. The two men at camp where busy fending off the invaders while one man that wasoff doing his business was finding his way back. He too was cought up in theunexpected fire and went down. Staff Sergeant Lynch called in the coordinates and afterthe ammo and grenades where almost out , air support showed up. Most of the VC wherekilled or ran away in fear of Death from Above. This was one of the most heroic storiesin the book. Weaknesses: This was a good book. I couldnt find many weaknesses at all . Theone thing I did notice was the similarity in each of the stories. It seamed liked the samething would happen in a row. The team would usually end up running from a force oflarge amount. If he would have mixed up the accounts with the ones when the team didnthave to run it would have made the book more fun to read. Changes: In order to read this book you had to use the Abbreviation dictionary inthe back. It didnt bother me though. I learned a lot from it . So the only change was theone in the Weaknesses I wrote. I would only recommend this book to people who are interested in history orwars.
Wednesday, December 4, 2019
The Great Gasby free essay sample
Every day thousands of people think about what it means to live the American Dream. F. Scott Fitzgerald is a well known American author whose most memorable book, The Great Gatsby, depicts characters with traits showing them living, which is the dream. The American Dream is a theme in this book that is essential to its plot development and several of the main characters encounter their own version of the American Dream. What is the true definition of the American Dream? It differs between many people and that it is no different in this book between the characters.Shaping the book into an interesting turn of events, Daisy, Nick, and Gatsby all stumble upon the American Dream, living their lives how each would want to. While Daisyââ¬â¢s life is taken over and fought over by the men in the book, Nick discovers love, Myrtle begins and ends a relationship with different people, and Gatsby finds out that life is not necessarily all about money and the woman that he loves, Daisy. Daisy is considered a beautiful girl, although to the peripheral reader she may seem a bit perplexing. Daisy has feelings for Gatsby that have altered throughout their lives. Later in her life, Daisy may only like Gatsby for his riches and because of their previous relationship. Gatsby also has lived ââ¬Å"the American Dream,â⬠according to some of Daisyââ¬â¢s beliefs. He is rich, elegant, and has made a living by working hard, or so she thinks until it becomes clear that Gatsby is a bootlegger. Daisy does not know exactly what he has done in order to make all this money, but she doesnââ¬â¢t argue with it or question it. Her current husband, Tom, can represent the average husband, but he is the type of man that can sweet talk his way out of anything.For this reason, he takes advantage of Daisy by having an affair, but also because he is big and just a plain bully. Like Daisy, Tom loves his spouse, but there are times when this may not be so apparent. They come together and seemingly make the perfect couple to an outside audience because they both like to have their fun with others, but when it comes down to their marriage, they do love each other because they do not have any other choice. After all, they both said their vows. ââ¬Å"ââ¬â¢You two start on home now, Daisyâ⬠¦. Go on.He wonââ¬â¢t annoy you. I think he realizes that his presumptuous little flirtation is overââ¬â¢Ã¢â¬ (142). Tom says this referring to Gatsbyââ¬â¢s and Daisyââ¬â¢s flirtation ending. Daisy knows she would rather Tom than Gatsby and that her fling with Gatsby is over now for good. Unfortunately, Daisyââ¬â¢s wishes for her American Dream had little to do with money, although she does like her men rich. She wanted to have a husband and her true love too, but with Tom and Gatsbyââ¬â¢s dislike for each other, it is not possible and her dream of true love is shattered.Nick is the epitome of the American Dream. He has lived a good life, does not have a ton of money, but still is somewhat happy, though lonely at the same time. His little home is in between two mansions on West Egg, an island in New York. He meets a woman through Daisy named Jordan Baker and cannot decide whether he really likes her or not but thinks that there may be a future between them but in the end decides that it will probably just be just a fling. For Nick, living the American Dream is having everything ââ¬â money, women, and happiness.At this point in time for Nick, that is not a possibility. Nick has a strongly mixed reaction to life on the East Coast, one that creates a powerful internal conflict that he does not resolve until the end of the book. On the one hand, Nick is attracted to the fast-paced, fun-driven lifestyle of New York. On the other hand, he finds that lifestyle grotesque and damaging. His inner conflict is symbolized throughout the book by his romantic affair with Jordan Baker.He is attracted to her vivacity and her sophistication just as he is repelled by her dishonesty and her lack of consideration for other people. About Jordan, Nick says, ââ¬Å"She was incurably dishonest. She wasnââ¬â¢t able to endure being at a disadvantage, and given this unwillingness, I suppose she had begun dealing in subterfuges when she was very young in order to keep that cool smile turned towards the worldâ⬠(63). Jordan has a lot to do with Nickââ¬â¢s American Dream but also plays a role in destroying it for him as well.The term ââ¬Å"The American Dreamâ⬠gets thrown around a lot, but it would appear to the exterior reader that Gatsby is the real deal in terms of really achieving the American Dream. He is rich, successful in his secretive business, and has many acquaintances who attend his famous, popular parties. Gatsby has everything he wanted in life, except for the one girl he wanted, who is Daisy. And even after he considers this, he thinks he has a chance to make up with her and make their relationship work, but he blows it and she oes back to her husband, Tom. More than anything else in the world is the desire that Gatsby has to get Daisy back; more than the riches, the reputation, and being a war hero. Fitzgerald uses this technique of delayed character revelation to emphasize the too good to be true quality of Gatsbys approach to life, which is an important part of his personality. Gatsby has literally created his own character, even changing his name from James Gatz to Jay Gatsby to represent his reinvention of himself.As his relentless quest for Daisy demonstrates, Gatsby has an extraordinary ability to transform his hopes and dreams into reality; at the beginning of the novel, he appears to the reader just as he desires to appear to the world. ââ¬Å"This talent for self-invention is what gives Gatsby his quality of ââ¬Å"greatnessâ⬠: indeed, the title ââ¬Å"The Great Gatsbyâ⬠is reminiscent of billings for such vaudeville magicians as ââ¬Å"The Great Houdiniâ⬠(Millett). Referencing Gatsby, Nick states, ââ¬Å"Gats by believed in the green light, the orgastic future that year by year recedes before us.
Thursday, November 28, 2019
Justice Whats the Right Thing to Do
Introduction ââ¬Å"Justice: Whatââ¬â¢s the Right Thing to Do?â⬠is a book that discusses the theory of justice and the diverse ways in which it is perceived by different people in the society. The author, Michael Sandel, tries to force the reader to look into the circumstances that happen in real life and allows them to make the decisions on the right thing to do.Advertising We will write a custom essay sample on Justice: Whatââ¬â¢s the Right Thing to Do? specifically for you for only $16.05 $11/page Learn More Sandel pushes his readers into tracking their personal moral obligations by laying a series of challenges based on everyday situations, which help them make the best resolutions on the right actions to take. In this essay, the first five chapters of the book are reviewed based on the main concepts. Chapter review In Chapter 1, titled ââ¬Å"doing the right thingâ⬠, three cases are presented. Case one concern the laws prohibiting g auging of prices. Precisely, it refers to the price changes that came into effect subsequent to the Floridaââ¬â¢s Hurricane Charley. As clarified by Sandel, the arguments in support to and in contrast to price-gauging laws are based on three concepts: well-being, liberty and virtue. He then discusses about who is eligible for the ââ¬Å"Purple Heartâ⬠. In determining this, people need to know precisely which qualities are necessary to deserve this honor. The final case is regarding the latest bailout that came after the financial crisis. Specifically, he discusses about the feelings of different people towards the bonuses awarded to the executives of the companies involved. Even though some felt that the bonuses were justified, most individuals thought it was unfair primarily because they compensated failure rather than success. The author describes three conceptions of justice that aids in understanding how decisions are made and he discusses them all through the book. Util itarianism, also described as capitalization on welfare, is the first conception. This is followed by another conception regarding liberty and personal rights. The last conception discusses the idea that justice is associated with virtue and a decent life in general. Before recounting the various concepts of justice, Sandel also discusses what are described as the moral dilemmas. These can be clarified by applying ethics in the reasoning process, which directs every individual in different ways dependent on their characters and the manner in which they deliberate and justify their decisions. In this case, clashes may result from partial reasoning or contradictory moral obligations.Advertising Looking for essay on political sciences? Let's see if we can help you! Get your first paper with 15% OFF Learn More Chapter two, labeled ââ¬Å"The Greatest Happiness Principle or Utilitarianismâ⬠, deliberates over the idea of utilitarianism by relating two various attitudes. First is the idea of Jeremy Bentham. The idea concentrates on getting maximum pleasure and lessening pain so as to make the most out of the overall utility. In this notion, the rights of a person may be disregarded, like in the incident of torture. The idea of John Stuart Mill presents the second concept of utilitarianism. According to Mill, people are at liberty in doing whatever they need to as long as it does not cause any damage to others. In addition, he is argues that there are superior and inferior pleasures (Sandel, 2010). Chapter three, ââ¬Å"Do We Own Ourselves or Libertarianismâ⬠, argues that there should be minimal supervision and every individual should have the freedom of choosing the right action to take in different situations. According Sandel, libertarians are against authoritarianism, moral regulation and redeployment of income. For instance, libertarianism opponents claim that tax system is necessary since everybody needs to contribute towards the welfare of the society. Similarly, they argue that wealthy persons need to give back part of their riches since it was generated by the society. The author then deliberates on the implications associated with purchasing and retailing of organs. Sandel then reflects on the market and moralities and ways in which an open market may be founded on either sovereignty or wellbeing. In chapter four, ââ¬Å"markets and moralsâ⬠, Sandel talks about the morals of forfeiting persons to do various kinds of work, like fighting in wars and giving birth to children. The debate is whether there is need for market, where currency is involved, to the feature of morals. The best example presented by the author in this section is ââ¬Å"remuneration for pregnancyâ⬠. Deliberating through the moralities and injustices in this instance aids in clarifying the variations amongst the leading philosophies of justice. In his opinion, it is not necessary for an individual to demand pay for certain services be cause of morals.Advertising We will write a custom essay sample on Justice: Whatââ¬â¢s the Right Thing to Do? specifically for you for only $16.05 $11/page Learn More Chapter five, ââ¬Å"What Matters is the Motiveâ⬠, the author draws the attention of the reader towards understanding why motive is necessary. He does this by explaining the idea of Kant. He argues that morality concerns with respect to people, regardless of who they are. This involves doing the correct thing simply because it is right. Sandel then argues for the idea of egalitarianism based on the perception of John Rawls. Similarly, he clarifies how it is different from the concept of libertarianism and utilitarianism. According to Rawl, people need fairness with regard to fundamental freedoms and societal and financial life. Reference Sandel, M. J. (2010). Justice: Whatââ¬â¢s the right thing to do?. London: Penguin Books. This essay on Justice: Whatââ¬â¢s the Right Thing to Do? was written and submitted by user Lexie Pate to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.
Sunday, November 24, 2019
Free Essays on Presentation On The Changing Political Causes Of The French Revolution.
Presentation On The Changing Political Causes Of The French Revolution. Class struggles in Britain in the 1960ââ¬â¢s and 70ââ¬â¢s led to greater divisions amongst the people. Because of the ideological desire for something to benefit the people amid increasing social chaos, socialism looked attractive and many Marxist ideas gained popularity and support. This struggle was echoed throughout much of the world. The French Revolution was perceived as a great success for democracy. Its three key aims of liberty, equality and fraternity became desirable objectives. In the late 1960ââ¬â¢s, the concept of moral decline in society was introduced by the right to explain crumbling traditional values. For example by 1968, students in France were rioting. This period of minor revolt was echoed throughout the world. All sides recognised that changes urgently needed to be made. The law and order element of politics made its first appearance, aimed at targets of a non political kind, including, student movements, counter cultures, the drift towards moral permissiveness, and the conflict between authority and social values. Many, Marxists amongst the great masses became detached from their nations traditional ideologies. Their growing power caused a cry to come from below for the restoration of the old order, for discipline and moral regulation. Social formation reached the worst crisis point for two decades ââ¬â some would argue, nearly a century. The conservatives in the 70ââ¬â¢s tried to renovate the social formation of a society fraught with class battles. Heath attempted to achieve this by employing the twin instruments of the economic free for all and legal compulsion. It ended in ruins, brought to a conclusion of widening and defensive class militancy. The long-term crisis of the British economy coincided with a world recession; the oil crisis put paid to any ideas of regeneration in economic conditions. Militant action and increased wage... Free Essays on Presentation On The Changing Political Causes Of The French Revolution. Free Essays on Presentation On The Changing Political Causes Of The French Revolution. Presentation On The Changing Political Causes Of The French Revolution. Class struggles in Britain in the 1960ââ¬â¢s and 70ââ¬â¢s led to greater divisions amongst the people. Because of the ideological desire for something to benefit the people amid increasing social chaos, socialism looked attractive and many Marxist ideas gained popularity and support. This struggle was echoed throughout much of the world. The French Revolution was perceived as a great success for democracy. Its three key aims of liberty, equality and fraternity became desirable objectives. In the late 1960ââ¬â¢s, the concept of moral decline in society was introduced by the right to explain crumbling traditional values. For example by 1968, students in France were rioting. This period of minor revolt was echoed throughout the world. All sides recognised that changes urgently needed to be made. The law and order element of politics made its first appearance, aimed at targets of a non political kind, including, student movements, counter cultures, the drift towards moral permissiveness, and the conflict between authority and social values. Many, Marxists amongst the great masses became detached from their nations traditional ideologies. Their growing power caused a cry to come from below for the restoration of the old order, for discipline and moral regulation. Social formation reached the worst crisis point for two decades ââ¬â some would argue, nearly a century. The conservatives in the 70ââ¬â¢s tried to renovate the social formation of a society fraught with class battles. Heath attempted to achieve this by employing the twin instruments of the economic free for all and legal compulsion. It ended in ruins, brought to a conclusion of widening and defensive class militancy. The long-term crisis of the British economy coincided with a world recession; the oil crisis put paid to any ideas of regeneration in economic conditions. Militant action and increased wage...
Thursday, November 21, 2019
Micro economics Essay Example | Topics and Well Written Essays - 1000 words - 1
Micro economics - Essay Example Choice and revealed preference are two important factors affecting consumer demand Economic aspect looks at decision making of households. It is more concerned with demand and supply and the effect of changing prices on the former two. Marketing approach looks at not just the impact of price but also of promotions, advertising, distribution, branding etc. Economic concepts hold the condition of cetrus paribus (all else held constant). They assume that the consumer is rational and will not make un practical decisions. The marketing aspect includes the effect of emotions, feelings, point of purchase advertising material etc. They assume that the consumer can be affected something as small as the music being played in a shop. They assume that consumers can even make irrational decisions as according to the concept impulse buying. Economics is all about making choices. People make choices because they cant have everything they want. Whenever a choice is made, something is given up. The opportunity cost of that choice is the value of the best alternative given up. People whose wants are satisfied by using goods and services are called consumers. To make efficient decisions - decisions that provide the greatest possible return from the resources available, people and society must weigh the benefits and costs of using their resources to do more of some things, and less of others. The Economic approach goes into the demand and supply details. It looks at household buying power and savings. It also looks at spousal control in household buying decisions. The decision making framework (under uncertainity) is characterized as Consumer economics is also included in this area of economics. It is a broad field, principally concerned with microeconomic analysis behavior in units of consumers, families, or individuals (in contrast to traditional economics, which primarily government or business units). It sometimes also encompasses family financial planning and
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