The ATM Reforms - New Evidence from Survey and Market Data

Following the introduction of direct charging in March 2009, ATM pricing has become more transparent and flexible. Cardholders continue to respond to the clearer price signals by changing their cash withdrawal behaviour to avoid paying direct charges, and newly available data indicate that behaviour varies across age groups and geographic locations. For the small proportion of transactions that do incur a direct charge, flexibility in ATM pricing has led to a distinct pattern in these charges across different types of ATM locations. Variations in business models between ATM owners mean that most consumers have access to a large number of ATMs on which they pay no direct charge, while it remains possible for ATMs to be profitably deployed in high-cost or low-volume locations.ATMs; ATM reforms; ATM fees; foreign fees; foreign ATMs; direct charging; ATM surcharging; interchange fees; ATM Access Regime; ATM Deployment; payments reform; consumer use study; payment patterns; consumer behaviour

Building Bridges: Creating a Mentoring Program focused on Training and Retaining New Employees at General Mills’ Customer Service Center

Mentoring nurtures growth, encourages learning, and brings people together. In my Leadership Action Project that follows, I relate my personal and research purposes for pursuing a study of mentoring. Through a review of current mentoring literature, conducting appreciative inquiry interviews, and creating a mentoring advisory committee, I have increased knowledge and organizational support to implement a mentoring program at General Mills‟ Customer Service Center. Upon the conclusion of my research I answered the question, “What are the qualities of a successful mentoring program for new employees at the General Mills Customer Service Center?” I addressed issues of validity by employing the techniques of triangulation, respondent validation, and intervention. After answering my research question, I completed a recommendation to create a mentoring program at the General Mills Customer Service Center including a potential mentoring handbook

Illegitimacy in British Columbia, Saskatchewan, Ontario, and Nova Scotia: A Legislative History

Over time, provincial legislation in Canada modified the common law position on the “illegitimacy” of children born outside marriage. They first imposed liability on parents for the support of illegitimate children. Second, they provided for the legitimation of children whose parents subsequently married. Finally, they abolished the concept of illegitimacy. This article describes and compares the legislative histories in four Canadian provinces, which all took somewhat different approaches: British Columbia (BC), Nova Scotia, Ontario, and Saskatchewan. Part II traces the complex history of the legislation dealing with the financial support of illegitimate children; Part III addresses the legislation dealing with legitimation; and Part IV reviews the short history of the abolition of distinctions between legitimate and illegitimate children in all Canadian provinces and territories, except for Nova Scotia. We take a chronological approach within each Part. The article is co-authored with Jennifer Flood

Prospectus, June 16, 1993

https://spark.parkland.edu/prospectus_1993/1009/thumbnail.jp

Outlook for tuberculosis elimination in California: An individual-based stochastic model.

RationaleAs part of the End TB Strategy, the World Health Organization calls for low-tuberculosis (TB) incidence settings to achieve pre-elimination (<10 cases per million) and elimination (<1 case per million) by 2035 and 2050, respectively. These targets require testing and treatment for latent tuberculosis infection (LTBI).ObjectivesTo estimate the ability and costs of testing and treatment for LTBI to reach pre-elimination and elimination targets in California.MethodsWe created an individual-based epidemic model of TB, calibrated to historical cases. We evaluated the effects of increased testing (QuantiFERON-TB Gold) and treatment (three months of isoniazid and rifapentine). We analyzed four test and treat targeting strategies: (1) individuals with medical risk factors (MRF), (2) non-USB, (3) both non-USB and MRF, and (4) all Californians. For each strategy, we estimated the effects of increasing test and treat by a factor of 2, 4, or 10 from the base case. We estimated the number of TB cases occurring and prevented, and net and incremental costs from 2017 to 2065 in 2015 U.S. dollars. Efficacy, costs, adverse events, and treatment dropout were estimated from published data. We estimated the cost per case averted and per quality-adjusted life year (QALY) gained.Measurements and main resultsIn the base case, 106,000 TB cases are predicted to 2065. Pre-elimination was achieved by 2065 in three scenarios: a 10-fold increase in the non-USB and persons with MRF (by 2052), and 4- or 10-fold increase in all Californians (by 2058 and 2035, respectively). TB elimination was not achieved by any intervention scenario. The most aggressive strategy, 10-fold in all Californians, achieved a case rate of 8 (95% UI 4-16) per million by 2050. Of scenarios that reached pre-elimination, the incremental net cost was $20 billion (non-USB and MRF) to$48 billion. These had an incremental cost per QALY of $657,000 to$3.1 million. A more efficient but somewhat less effective single-lifetime test strategy reached as low as $80,000 per QALY.ConclusionsSubstantial gains can be made in TB control in coming years by scaling-up current testing and treatment in non-USB and those with medical risks

When Tuberculosis Comes Back: Who Develops Recurrent Tuberculosis in California?

Recurrent tuberculosis suggests potentially modifiable gaps in tuberculosis treatment and control activities. The frequency of late recurrences following treatment completion has not been well-studied. We determined the frequency of, and risk factors associated with, tuberculosis that recurs at least one year after completion of anti-tuberculosis therapy in California.The study population included culture-positive, pulmonary tuberculosis patients reported to the California tuberculosis case registry from 1993 to 2007 who completed anti-tuberculosis therapy. A person with late recurrent tuberculosis was defined as an individual that appeared in the registry more than once, determined by match on name and date-of-birth, with at least one year between treatment completion of the first episode and treatment initiation of the second episode.Among 23,517 tuberculosis patients, 148 (0.63%) had a late recurrence. Independent risk factors for recurrence included: infection with a pyrazinamide mono-resistant isolate (adjusted hazard ratio, 2.93; p = 0.019); initiation of an isoniazid- and rifampin-only treatment regimen (adjusted hazard ratio, 2.55; p = 0.0412); sputum smear-positive disease (adjusted hazard ratio, 1.96; p = 0.0003); human immunodeficiency virus infection (adjusted hazard ratio, 1.81; p = 0.0149); and birth in the United States (adjusted hazard ratio, 1.88; p = 0.0002). Infection with an isoniazid mono-resistant isolate was protective (adjusted hazard ratio, 0.25; p = 0.0171).The low frequency of late recurrent tuberculosis in California suggests that local TB control programs are largely successful at preventing this adverse outcome. Nonetheless, we identified subpopulations at increased risk of late tuberculosis recurrence that may benefit from additional medical or public health interventions

Prospectus, September 1, 1993

https://spark.parkland.edu/prospectus_1993/1012/thumbnail.jp