Paper - 1208 Words

Kenya Bradley Kenya Bradley Before you begin, save this document to your computer. You will need to submit your answers in the area indicated below. | The Health Insurance Portability and Accountability Act (HIPAA) is a national law that protects a patient’s rights to privacy. As a Medical Administrative Assistant, it is important for you to understand and uphold this law to protect your patients’ health information. In this assignment, you will practice applying HIPAA regulations. Click here to download the Personal Health Record (PHR) to answer the first three questions. | Tips for answering questions: * Read the question more than twice, if necessary, to make sure you understand what you are asked to do. * Find the key†¦show more content†¦Moodey is not to discuss the patients lab results at all with anyone other than the patient because assistant are there to greet and make patient trust them to better help them with their needs. John should have been told that they contact him on his cell phone when the results are in but he needs to give personal information to see them on line. When the results come in Sally does not have to contact the patient because it is the patient job to make a appointment to rebook. | Question 2: Holly Valez called Dr. Moodey’s office on Monday morning to see when the paper work to release John to go back to work would be completed. Can Sally tell Holly when the forms will be ready to pick up? Explain briefly why or why not. | 10 points | Directions to complete Question 2: * Use short responses, in complete sentences with proper grammar and spelling * Length of response should be between 2 to 3 sentences per question. | Answer:Holly Valez called Dr. Moodey’s office Monday for the results for John but from my understanding that is not allowed being that confidentiality of personal information is not to be given out. How is not to tell anyone but the patient when the forms will be in. Answering the question no Holly is not allowed to give John information out not even the date without consent. | (See next page for part 3) Question 3: John was involved in an automobile accident and was taken to the Emergency Department by ambulanceShow MoreRelated Paper761 Words   |  4 Pages In the 1790s members of the industry in both Paris and London were working on inventions to try to mechanise paper-making. In England John Dickenson produced the cylinder machine that was operational by 1809. Although useful for smaller enterprises, this lacked the large scale potential of the machine resulting from the invention of Nicholas-Louis Robert in Paris, which had a more complicated incubation period. The last of the early improvements to this machine were financed by the Fourdrinier brothersRead MoreReflection Paper836 Words   |  4 Pagesand integrating quotes. Before my papers were full of â€Å"she said† and â€Å"she would say†; which was boring and showed poor ability to lengthen my word choice. I also had a tendency to just throw quotes in and not integrate it into my writings. By the end of my English 101 class my papers began to present with words like â€Å"the author noted†, or â€Å"she stated† along with many other word choices and proper ways of using quotes. Here is an example from my final research paper: â€Å"Author Stephanie Jackson, a certifiedRead MoreOn Behalf of Paper1685 Words   |  7 PagesFor centuries, people have read and learned on paper. It has loyally served man as the ideal vehicle for conveying our thoughts, feelings, and ideas. In recent years, an opponent has risen: computers. The computer brought the world to our fingertips, to the palm of our hands, but is this competitor superior? Should we drop the written and printed empire that had dominated and quenched our thirst for knowledge for so long? Paper has served an ever-changing world well, constantly adapting and morphingRead MoreReflection Paper1317 Words   |  6 Pagesused to struggle with forming my thoughts into writing, let alone a paper. I was never confident with what I wrote. My writing had no greater purpose other than the assignment. My writing process included: writing my paper, proofreading it, and turning it in. Once the paper left my hands, it also left my mind. Throughout this course we worked with others, visited the writing lab, wrote critiques, and we were able to revise our papers. I believe that all of this is has caused me to grow greatly as aRead More History of Paper1180 Words   |  5 Pages The first historical mention of paper is 104 A.D. in China. The Empress of China at that time loved books and wanted to have a lot of them made. At the time everything was written on silk scrolls which were extremely expensive and time consuming to make. She wanted something cheaper and easier to use and so she asked one of her servants, a gentleman by the name of Tsi Lun to come up with an alternative. He worked for over nine years experimenting with different things and finally came up with hempRead MoreImportance Of Writing Paper870 Words   |  4 Pages Writing papers have not always been my favorite thing to do. The main reason why I detested writing papers, was because I considered my English horrible. English is not my native language and learning it was difficult i n my opinion. Especially, when as a child the only place where you could speak English was at school. Other than that, the only language I was allowed to speak at home was Spanish. Throughout the years I eventually got the hang of it, and at the beginning of fourth grade, I was placedRead MoreCharacteristics And Quality Of A Paper1062 Words   |  5 PagesChoosing the right paper is more complex and it requires more work than just picking any expensive sheet and keeping your fingers crossed. To choose the right paper, you should not choose one based on the highest quality available, or the most expensive one. Instead, you should choose your paper based on the paper size options, durability, finishing, color, the paper weight, price, availability, opacity, and brightness. To choose between the function and quality of a paper is not very easy. It isRead MoreSelf-Reflective Paper 838 Words   |  3 Pagesfixed. Although it was a process, I finally got around to clearly understanding what the objectives were for English 1302 and how to apply them to my papers for this course. The first objective that is given in the syllabus is to meet the requirement of 20 pages total by the end of the course. The objective includes being able to revise and edit papers in a proper fashion. There was a time where revising and editing did not seem important, however, it can make a significant difference in a grade.Read MoreRecycling Waste Paper11594 Words   |  47 PagesPaper recycling  is the process of recovering waste paper and remaking it into new paper products. There are three categories of paper that can be used as feedstocks for making recycled paper: mill broke, pre-consumer waste, and post-consumer waste.[1]  Mill broke  is paper trimmings and other paper scrap from the manufacture of paper, and is recycled internally in a  paper mill.  Pre-consumer waste  is material which left the paper mill but was discarded before it was ready for consumer use.  Post-consumer  wasteRead MoreCarabao Grass Paper17210 Words   |  69 PagesINTRODUCTION History Paper is believed to have originated in China sometime around A.D. 105. Its invention is credited to a Chinese artisan by the name of Tsai-Lun. Tsai Lun created the first type of paper by mixing macerated cellulose fiber with water. His method was simple. He beat rags to a pulp and diluted this with lots of water. He then drained the resultant mixture through a form of a sieve. The fibers matted together and, when it dried, formed what we know now as paper. This papermaking process

Personal Essay Topics and Prompts

A personal essay is an essay about your life, thoughts, or experiences. This type of essay will give readers a glimpse into your most intimate life experiences and life lessons. There are many reasons you may need to write a personal essay, from a simple class assignment to a college application requirement. You can use the list below for inspiration. Consider each statement a starting point, and write about a memorable moment that the prompt brings to mind. Your bravest momentHow you met your best friendWhat makes your mom or dad specialHow you overcame a fearWhy you will succeedWhy you made a difficult choiceA special placeA place you try to avoidWhen a friend let you downAn event that changed your lifeA special encounter with an animalA time when you felt out of placeAn odd experience that didnt make sense at the timeWords of wisdom that hit home and changed your way of thinkingA person that you do not likeA time when you disappointed someoneYour fondest memoryA time when you saw your parent cryThe moment when you knew you were grown upYour earliest memory of holiday celebrations in your homeTimes when you should have made a better choiceA time when you dodged a dangerous situationA person you will think about at the end of your lifeYour favorite time periodA failure youve experiencedA disappointment youve experiencedA surprising turn of eventsWhat you would do with powerWhat superpower you would chooseIf you could switch lives with s omeoneHow money matters in your lifeYour biggest lossA time when you felt you did the wrong thingA proud moment when you did the right thingAn experience that youve never shared with another personA special place that you shared with a childhood friendA first encounter with a strangerYour first handshakeWhere you go to hideIf you had a do-overA book that changed your lifeWords that stungWhen you had the desire to runWhen you had the urge to crawl into a holeWords that prompted hopeWhen a child taught you a lessonYour proudest momentIf your dog could talkYour favorite time with familyIf you could live in another countryIf you could invent somethingThe world a hundred years from nowIf you had lived a hundred years earlierThe animal youd like to beOne thing youd change at your schoolThe greatest movie momentThe type of teacher you would beIf you could be a buildingA statue youd like to seeIf you could live anywhereThe greatest discoveryIf you could change one thing about yourselfAn ani mal that could be in chargeSomething you can do that robots could never doYou most unfortunate dayYour secret talentYour secret loveThe most beautiful thing youve ever seenThe ugliest thing youve seenSomething youve witnessedAn accident that changed everythingA wrong choiceA right choiceIf you were a foodHow youd spend a million dollarsIf you could start a charityThe meaning of colorA close callYour favorite giftA chore youd do away withA secret placeSomething you cant resistA hard lessonA visitor youll never forgetAn unexplained eventYour longest minuteAn awkward social momentAn experience with deathWhy youll never tell a lieIf your mom knew shed kill youA kiss that meant a lotWhen you needed a hugThe hardest news youve had to deliverA special morning

Voices From The Heartland By Julie Carson Essay - 1224 Words

Voices from the Heartland is an anthology of essays that relates the stories of Oklahoma women. The authors share their experiences about their lives in Oklahoma: childhood experiences, relationships with neighbors, devastating times, life-changing events. The essays are organized under a set of themes, not limiting the contributors to a specific topic. Some of the pieces are light-hearted, such as Julie Carson’s essay about her left-handedness, while others deal with the struggles the authors have gone through because of their gender. While the gender issues accentuated in the book are conveyed by Oklahoma women, they are relevant to women everywhere, in America, other industrialized nations, as well as developing countries. Women are often confined to a set of ideals and expectations because of one simple fact: they are women. Many of the women who contributed to this book have faced gender stereotyping and discrimination. Instead of allowing traditional social norms to confine them to an unwanted lifestyle, they challenged these conventional ideals, risking failure and facing condemnation from strangers as well as people close to them. People often associate feminism with negativity and pessimism. In â€Å"Feminism is a Dirty Word,† Cindy Simon Rosenthal talks about how people refuse to define themselves as a â€Å"feminist.† However, the movement does not advocate for women’s special privileges. Feminism celebrates social equality and supports the utilization of all talents.

Ncaa Monopoly - 2137 Words

Edgar Galvan NCAA as a Monopoly After over a century of existence, the National Collegiate Athletic Association stands today as a multi-million dollar organization, one of the largest and most successful organizations in the nation. The NCAA is in charge of overlooking every college athletic competition in the United States. Every year millions of fans watch NCAA organized games and follow the top prospects of every sport. However, all schools and players involved with the NCAA are obligated to follow a strict set of rules to be eligible to compete at the college level. The NCAA holds college athletes specifically to a very strict set of rules. Under the NCAA all athletes are considered amateurs. The term amateur is used to describe a†¦show more content†¦Although students enjoy playing their own specific sports, they are doing it with millions of people following their path and they are generating millions of dollars to the NCAA, they just are not allowed to have any of it. Therefore, they can not be considered amateurs. In fact, these students really are not even in college to get an education. In her blog Confessions of a Whistleblower, Mary Willingham an academic advisor from the University of North Carolina, revealed that the athletes in the most successful college teams are given paper classes to replace real classes. These paper classes are classes that do not require students to attend class. Their only assignment is to turn in a paper at the end of a semester and are 100 percent of the time graded A or B. A method used to keep stud ents eligible. Also, according to Ross Finkel and Martin Trevor in their documentary Schooled: The Price of College Sports, players have one year contracts with the schools based only on athletics. This means that even if a student-athlete had straight A’s, they could lose their scholarship if they were no longer competing on the field. Their education would be over. Finally, there is transfer rules that restrict athletes from transferring from one four year University to another and play their first year(â€Å"Division 1 Initial- Eligibility ToolKit.†). This rule makes it hard for athletes to transfer fromShow MoreRelatedAntitrust Practices and Market Power Essay835 Words   |  4 PagesAct†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.page 2-3 Monopolies Bad for Society†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....... page 3-4 Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.......... page 4 References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...... page 5 Antitrust Practices and Market Power Introduction This paper will discuss the antitrust law, specifically the Sherman Act of 1870. A claim was filed against the NCAA by the Governor of Pennsylvania for reasons that violate this act. It will also discuss monopolies and oligopolies, given an exampleRead MoreHow A Cartel Is A Competitive Market1719 Words   |  7 Pagessellers or buyers of a cartel agree to fix selling prices, purchase price or reduce production using a variety of tactics so that competing on price is avoided. Because most of these firms are monopolies, they tend to have considerable amounts of market power, thus making them want to behave like monopolies. With its lack of power, a cartel acts as a counter-veil to an imperfectly competitive market where fewer sellers have the ability to base their products on decision making and supply and demandRead MoreReview Of The U Conn 987 Words   |  4 Pagesseems to be making off of them. US News writes, â€Å"The NCAA basketball tournaments, or March Madness, have become a huge business. As Forbes Chris Smith wrote, CBS and Turner Broadcasting make more than $1 billion off the games, thanks in part to a $700,000 ad rate for a 30-second spot during the Final Four. Athletic conferences receive millions of dollars in payouts from the NCAA when their teams advance deep into the tournament. The NCAA, as a whole, makes $6 billion annually.† Now that payoutRead MoreAmerican Intercollegiate Sporting Has Come A Long Way Since The New York Times1615 Words   |  7 Pagessay ‘Michigan’ and they understand those striped helmets running under the banner.† College sports have become larger than a genuine competition between institutions. It has become a monopoly and oligopoly, in the same level as Bell Telephone (also known as ATT), like Standard Oil a century ago, like Luxottica, NCAA has become a an equally powered cartel in today s society. As athletes celebrate a title win, who is really the winner in this situation. Marc Edelman argues, that across the countryRead MoreShould Student Athletes Be Paid?1270 Words   |  6 PagesAssociation (NCAA), it also contributes to the income of colleges and the NCAA. Without student athletes, these colleges and the NCAA would not reap the benefits of college athletics, such as: increased awareness of colleges, higher application rates, and of course the revenue brought in from game and event tickets, apparel, and contracts for licensing and television rights. Since the student athletes, who devote a great deal of time to their sport, are the cog in the machine that is the NCAA and collegeRead MoreShould College Athletes Be Paid?3174 Words   |  13 PagesGene Goldston Brian Hance English 12 01/28/15 Should College Athletes Be Paid? College sports are a highly paid business. It is produced sold just like all other commercial products. The NCAA generated over $70 million in the basketball tournaments. Schools who made it to the finale instantly earned over $1.3 million. $275 thousand was given to those who were invited to the tournament. Football is just the same. The (1988-89) seasons produces $53 million and $66 million and was split between allRead More The Tragedy of Commercialism in College Sports Essay4106 Words   |  17 Pageslocations on March 12 (Hiestand). For fans of the sport ESPN has become a college hoops haven. CBS may garner the most attention for its $6 billion 11-year contract, which gives the network exclusive broadcasting rights for the season-ending mens NCAA tournament, but it is ESPN, which is responsible for the games dramatic rise in popularity. Before ESPN launched in September of 1979, college basketball games on TV were hard to find and national broadcasts of the sport were unheard of. BackRead MoreThe Federal League Of Baseball1376 Words   |  6 Pagesin a company. Baltimore was abandoned by the owners, and with the antitrust law settled as part of the agreement, they decide to have their own antitrust law against the leagues and the Federal League, claiming that they had talked about forming a monopoly on baseball, by destroying the Federal League. Baltimore won the case. Having 80,000.00 of damages, then it tripled to $240,000.00 under the Clayton Act. The Court of Appeals reversed the verdict saying that baseball was not a subject to the ShermanRead MoreCollege Athletes Should Not Be Paid1513 Words   |  7 Pages College institutions under the NCAA should be required to pay their athletes more than just a scholarship. College athletes are being manipulated every day. Student athletes are working day in and day o ut to meet academic standards and to keep their level of play competitive. These athletes need to be rewarded and credited for their achievements. Not only are these athletes not being compensated for, but they are also living with no money because they aren t allowed to hold a job that pays anRead MoreThe Debate Over The Adequacy Of Restrictions On Commercial Speech And Free Market Competition1605 Words   |  7 Pagesare the cornerstone in determining the conditions that enable individuals to capture the potential benefits of trade and exchange. In the instance of commercial free speech and competition, the decisions in the cases of the Virginia State Board, the NCAA, and Microsoft Corporation, personify how the corresponding laws have proven to be beneficial to both society and business. The Supreme Court Case of Virginia State Board of Pharmacy v. Virginia Citizens Consumer Council was an important case in

Customer Behavior in Hotel Industry

Question: Discuss about theCustomer Behavior in Hotel Industry. Answer: Literature Review On the literature review the report has focused on three background on the study; these are historical background, theoretical and the methodological. These concepts have been clearly explained comprehensively as follows. Historical Background Hospitality is a distinctive sector, which offers a variety of the considerable products in addition to the insubstantial services similar to accommodation, meals as well as the drink. The customer behaviour is primarily complex as well as essential towards the hotel sector(Eid, 2012). Distinctly, the hotel industry is pointed out on the customer encounters as well as these experiences to a great degree impact on their sensations, beliefs, as well as purchasing objective. Consequently, this results in a ensuing behaviour. The encounter in the hospitality industry usually is diversified as well as vast. It is will probably be distinctive from one consumer to another for example leisure client behavior differs from that of organization. Hotel tend to develop as well as monitor on the guests comprehending to be able to render a constructive pertinent relationship with the customers as prospective guests spill leading consideration on the satisfaction as well as the familiarity whenever selecting the hotel(Guerrier, 2009) . As outlined by Zeithamal on his research, the client behaviour can initiate the visitor allegiance. Nevertheless, Reid and Botanic (2009), claims that the client possibly not will certainly revisit once again because of the adjustable of the client expectations although these are pleased with the high hotel experience quality delivered. The re-purchased form of the hotel industry in certain extent mainly affects the customer expectations (Yi Gong, 2013). Consequently, hotel consumers have valid reasons along with the right to choose the hotel instead of the hotel contenders, visit again regularly if the hotelier comprehend on the customer behavior, and offer continuous satisfaction. Theoretical Background Since 1980s, a coherent theoretical framework has surfaced to underpinning the consumer study. Even though you will discover, still several sub-theories as well as areas of the minor disagreement the picture could be widely be summarized given below. The consumers are believed to view the service in the hotel concerning a couple of the attributes example the features, which make it suitable, ascribing various levels of important to every one of the attribute. As reported by Hawking et al. (2010) defines the consumer behaviour as the research of the businesses, persons, or even groups. In further, the process they employ to dispose, secure, utilize as well as choose of the service to gratify on the needs along with implications on the consumers as well matters. The customer behavior is complex in the hotel industry because of some nature of the hospitality. The client satisfaction might be broken by advance payment approach of the hospitality business on account of the concept of expe ctation gap in their psychological worth(Kumar, 2006). Entirely, consumer allegiance could possibly be vitally affected by the customer satisfaction but this interrelation is not typified in the hospitality sector. Methodological Background The results of the research conducted the quantitative and the qualitative analysis within the defined methodology and the overall finding of the project are presented in the report. On this report, there was a critical analysis that was done in order to get data in regards to the consumer behavior. The method that was used to get data from this report was through interview, questionnaire and through the focus group( Perdue, Immermans Uysal, 2004). The researcher on this study made sure that all the consumer behavior aspects where studied when the data collection was done. On the research the customers are studied in order to determine on how they behave in the hotels and on their satisfaction how influences their decision. The customer satisfaction is crucial in any business success and on this report aims as establishing how the consumer behavior are influenced in the hotel industry. References Eid, R. (2012). Successful Customer Relationship Management Programs and Technologies. Hershey: IGI Global. Guerrier, Y. (2009). Organizational Behaviour in Hotels and Restaurants: An International Perspective. Hoboken, New Jersey: Wiley. Isabelle Szmigin, M. P. (2014). Consumer Behavior. Oxford: Oxford University Press. Kumar. (Ney York). Mktg Of Hospitality Tourism Serv. 2006: Tata McGraw-Hill Education. R. Perdue, H. J. (2004). Consumer Psychology of Tourism, Hospitality and Leisure, Volume 3. Wallingford, Oxfordshire: CABI. Yi, Y., Gong, T. (2013). Customer value co-creation behavior: Scale development and validation. Journal of Business Research, 66(9), 1279-1284.

Business Ethics In The Financial Sector †MyAssignmenthelp.com

Question: Discuss about the Business Ethics In The Financial Sector. Answer: Introduction Every economy has a lifeline known as the financial sector. However, this sector is marred with a lot of issues ranging from scams in security, scandals in IPO, insider trading and churning to window dressing, agency problems in the group of corporates and greenmail (Dufrene Wong 2016). The issue of responsibility in the financial sector is not only a matter of private ethics but also entails the establishment and the maintenance of trust bonds between the capital users and the holders, and also amongst the operators. In insurance and banking, there is a surge in complexity and ethics has become not a choice between what is right and wrong but it involves having the zeal to confront ethical dilemmas during the course of the business. Therefore, this discourse seeks to explain the ethical issues in this sector, establish the sustainability focus, identify the factors that drive this sector in managing ethics and finally how ethics have helped propel the financial sector to a better c ourse. Sector Analysis The scandals in the finance sector and security scams have been available allover many economies and the back lies with ethics. Additionally, the financial markets that have advanced legal systems and authority of regulation have still undergone ethical problems. Some of these areas include the IPOs and fabrications. IPO scams are rampant in the financial sector since players play around with them to establish a ground for firm ownership (Dufrene Wong 2016). The operators in the IPO sector usually open accounts that are fake in a bid to purchase IPO equities and later sell them at prices that are hiked. As such, these scammers engage in spates of subscriptions for the ownership of IPO shares (Dufrene Wong 2016). An examples of a nation that has suffered this ordeal is India. Some of the major companies involved in this unethical practice were IndiaBulls Securities and also Karvy under Panchal and Sugandh. Another major challenge in the sector is the software problems and fabrications. Some of the software issues arise due to poor internet security issues and firewall protections (Staubus 2013). For instance, the most recent ransomware attack on computers and financial firms demanded an immediate action that was not realized whatsoever. Additionally, fraudulent bankers install software that hikes prices such a withdrawal and cash transfer charges. As such, banks enjoy undue profits from their customers. This same problem is harbored in the insurance sector and other companies in the financial facet. The other challenge affecting this sector is the securities and the premium scams where insurance companies and other firms hike the prices of their shares and premiums to steal from their customers (Staubus 2013). For instance, a company inflates its shares on the stock markets to siphon a lot of cash from the purchasers and then later the prices come down to the level at which they were bought before. This comes as a surprise to the buyers and because no one forced them to buy the shares, sufficient evidence is hard to come by in a bid to seek justice (Ethics in Finance 2015). The sustainability focus in the financial sector is inclined towards the responsible investing, social entrepreneurship, focus on renewable energy and management of risks. For instance, the Australian society has focused on the United Nations initiative to foster renewable and green energy to champion a pollution-free environment. In this regard, the financial sector has heavily invested in ensuring that this move gets a head start to promote an improved social service delivery as well as a clean and habitable environment (Olanrewaju, Aremo Aiyegbusi 2015). The major stakeholders in the financial sector includes the bankers, insurers, normal business accountants, small and middle income enterprises, companies in almost all economic sectors among others. In this regard, it is imperative to note that the major players are the bankers and insurers. Banks are key in the storage of finances and dissemination of loans to various players. Additionally, the stock exchange markets are equally vital in the financial sector because it acts as the lifeline of many businesses which attract investors who buy shares. Moreover, the stock exchange markets also invite many financial scams because vulnerability of customers is very high. These stakeholders, therefore, carry the mantle of the financial sector. There are various factors that are driving the financial sector to effectively manage ethics. Some of them includes the embodiment and cultural change, codifications around the sector, education, adjudication and monitoring, functions of compliance among others. Cultural change entails the continuous awareness that the society has as far as ethical conduct is concerned. People know that ethics need to be mainstreamed from the top of the organization to the bottom no matter what the scenarios may be. Furthermore, the federal as well as state laws provide for guidelines which outline the measures an individual may explore if an unethical scenario occurs in the financial sector. The cultural change responsibility cannot be divided or delegated into divisions of risk or compliance but needs to be a holistic approach and firms have realized that everyone knows their rights. Therefore, there is no shortcut from an ethical behavior. Financial boards need to comprehend the need for ethical policies and commit themselves to ensuring that effectiveness is realized. Codification is all about an established code of conduct that must be adhered to. Most of the financial institutions possess an ethical code that mandates each and every employee to follow strictly. As such, firms have no choice but to adhere to the provisions in their industry (Staubus 2013). As the law also requires, firms are supposed to regularly review their codes and establish whether; consumers are protected as opposed to shareholders only and must be in a meaningful and honest way, possesses a straightforward guidance that is practical and easy to follow, stretches beyond the financial law requirements of Australia and other parts of the world (Small 2015). Clearly, firms also strive to strike a balance between the details that are prescribed in a code of ethics and the statements that are of a high level. As such, financial firms have gotten this concept right and are gearing towards adherence to the ethical codes. Another factor is the education that most stakeholders have undertaken to smell where the rot is. Financial institutions are committed to training their employees on matters of ethics and they do it regularly. Moreover, most of the educational institutions have ethics as a unit in the courses so that the learners get familiar with the ethical purview. Considering this development, the society has been infused through a sense of ethical sensitivity. These people are flocking the financial institutions and their newer ideas on ethics are put in practice. As such, the sector has realized tremendous changes. Scholars say that there is difficulty in changing the way of peoples thoughts and actions, but education is able to do that (Small 2015). Moreover, firms have learned from the previous mistakes and new measures have been put in place to eradicate the problems (Staubus 2013). Adjudication and monitoring entails people being on the look and firms have established policing systems which ensure that their employees adhere to ethical behavior. Moreover, there are regulatory bodies that monitor the operation of financial institutions and any breach of protocol attracts heavy penalties and termination of institutions. As such, there is no choice but to divert to ethical practice (Trevino Weaver 2014). Themanagement of business ethics has been instrumental in promoting various aspects in the financial sector. Additionally, the factor of corporate social responsibility has improved in the recent times on the globe (Olanrewaju, Aremo Aiyegbusi 2015). The financial sector has attracted more customers and stakeholders due to ethical behavior. Additionally, the financial sector has seen less turnover rates because of employee satisfaction. For example, the Commonwealth Bank in Australia has some of the lowest turnover rates due to its ethical standards (Why Ethics In Finance Matters?. 2014). The Australian financial sector has seen an upsurge in the investor numbers because of its best regulatory agencies and low rates of financial fraud resulting from unethical stakeholders. It is noted that Australia is ahead of most of the Asian nations such as India, China, Taiwan and others in the financial transparency levels. Additionally, an ethical sector attracts more foreign investors who then champion economic growth. The leadership and the stakeholders in the financial sector are united because of ethics. Moreover, there is an improvement in the sectors decision making and a lot of gains in the long run. Furthermore, the society is secured through financial security and improvement (Olanrewaju, Aremo Aiyegbusi 2015). In conclusion, ethics are an important aspect that anchors the financial sector to the course of economic importance. The discourse majored on the challenges in the sector, the effectivemanagement drivers in ethics and the benefits of ethics in this area. Data from various journals and economic accounts was useful in establishing and effecting this topic. Some of the challenges identified include fraud in IPOs, securities and software insecurities and dishonesty. Sustainability of the sector is established on green energy, transparency,risk management and entrepreneurship in the society. Drivers for ethical behavior includes education, codification, constant surveillance, learning from past mistakes among others. The stakeholders are bankers, insurers and SMEs. Some of the limitations of the study are; lack of honest responses from stakeholders and insufficient evidence-based accounts thus insufficient data particularly from Australia. Lastly, it is imperative to note that the financial sector is sensitive and the nitty gritty information is not wholly captured. References Dufrene, U. and Wong, A. (2016). Stakeholders Versus Stockholders and Financial Ethics: Ethics to Whom?. Managerial Finance, 22(4), pp.1-10. Ethics in Finance. (2015). Business Ethics: A European Review, 5(3), pp.178-180. Olanrewaju, O., Aremo, A. and Aiyegbusi, O. (2015). Banking sector reforms and output growth of manufacturing sector in Nigeria (1970-2011). Journal of Economics and International Finance, 7(8), pp.183-191. Small, M. (2015). Business ethics and commercial morality in Western Australia. Journal of Business Ethics, [online] 14(4), pp.279-285. Available at: Staubus, G. (2013). Ethics Failures in Corporate Financial Reporting. Journal of Business Ethics, 57(1), pp.5-15. Trevino, L. and Weaver, G. (2014). Business Ethics/Business Ethics: One Field or Two?. Business Ethics Quarterly, 4(2), p.113 Why Ethics In Finance Matters?. (2014). 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