3/29/2008
Cancer Diet - The Role of Fibre
3/16/2008
Cancer Diet: The Important Vitamins
3/15/2008
Cancer and Chlorine
3/14/2008
Cancer and Diet
3/13/2008
How to Find Affordable Health Insurance
Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.
Affordable health insurance, however, is definitely available -if you know how and where to look.
When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway.
Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.
1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.
2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.
3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.
4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).
5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".
The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.
Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.
Yes, finding affordable health insurance is much easier than most people think.
Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.
Mouth Cancer: A Painful Disease that can Strike Anyone
3/12/2008
Mesothelioma: Your Health In Jeopardy
3/11/2008
Mesothelioma – Your Basic Information
3/10/2008
Mesothelioma: Treatments for Mesothelioma Cancer
Mesothelioma Treatment
3/09/2008
Mesothelioma: Symptoms of Mesothelioma Cancer
3/08/2008
Mesothelioma – Origin, Cause and Prevention
Mesothelioma: New treatments for Mesothelioma cancer
3/07/2008
Mesothelioma: More About this Asbestos Cancer
3/06/2008
Mesothelioma: What Mesothelioma Cancer is
3/05/2008
Mesothelioma: Mesothelioma Cancer main factors
3/04/2008
Mesothelioma - Is Cancer Hibernating in You?
Mesothelioma Fact - Alarming Truth
3/03/2008
Mesothelioma - Catch It Early To Avoid Big Trouble
Many people have never heard of Mesothelioma and are unaware of its symptoms. Although considered a rare form of cancer, each year the number of cases grows. With the prevalence of this disease on the rise, it is critical to understand why and how Mesothelioma develops and what courses of action can be taken in the event of diagnosis. The following are some questions and answers that will provide you with information on Mesothelioma. **What is Mesothelioma?** Mesothelioma is a rare form of cancer in which malignant (cancerous) cells are found in the mesothelium, a protective sac that covers most of the body's internal organs. The organs most commonly affected are the lungs, heart and abdominal organs. The most common form of Mesothelioma is Pleural Mesothelioma -- cancer of the lung lining. But cancerous cells are also found in the lining of the abdominal cavity (the peritoneum) and the lining around the heart (the pericardium). **What causes Mesothelioma?** Mesothelioma is almost always caused by exposure to asbestos. Asbestos is often found in building materials used before the mid 1970’s. In addition, materials such as pipes, boiler insulation, floor, ceiling and roof tiles may contain asbestos. It is believed that even insignificant exposure to asbestos in environments such as asbestos mills, mines, shipping yards, some older Navy ships or even in patient's homes can result in mesothelioma. In many cases mesothelioma does not occur for decades after initial exposure to this cancer-causing asbestos. 2000-3000 cases of mesothelioma per year are currently being diagnosed. Family members of workers exposed to asbestos can also contract this disease through exposure to the worker's clothing. Like many other cancers, smoking greatly increases the risk of contracting mesothelioma. **How much asbestos exposure will cause Mesothelioma?** Generally, the probability of developing this form of cancer is directly related to the length of time you are exposed to asbestos. The health risk also increases with the intensity of the exposure to asbestos. However, an exposure of as little as one or two months can result in mesothelioma 30 or 40 years later. At the age of 48, Canadian Member of Parliament Chuck Strahl, was recently diagnosed with mesothelioma and traces the cause back to changing brake pads on logging equipment after he graduated from high school. Strahl's case is a good example of the fact that Mesothelioma has a latency period of anywhere from 20 to 50 years. Like thousands of others he developed the disease long after his exposure to asbestos. **What are the symptoms of Mesothelioma?** Mesothelioma is a very subtle form of cancer providing only a few noticeable symptoms until it becomes extremely advanced. 75% of all mesolthelioma cases are Pleural mesothelioma - cancer of the lung lining. This type of cancer causes shortness of breath and/or chronic coughing that can easily be mistaken for allergies or a common cold. Mesothelioma is often discovered by accident when patients are being examined for these common symptoms. Other symptoms of pleural mesothelioma may include: chest pain, shortness of breath, chronic coughing that worsens over time, fatigue, wheezing, lung infection, hoarseness, weight loss, difficulty swallowing, chest or abdominal pain or blood in the phlegm from the lungs when coughing Peritoneal mesothelioma affects the lining around the stomach and intestines and can be just as dangerous and deadly. Symptoms of Peritoneal mesothelioma include: pain or swelling in the abdomen, weight loss, bowel obstruction (blockage in the large or small intestines), anemia (reduced number of red blood cells) , and fever. The onset of Mesothelioma is usually quite slow. Patients will begin to experience symptoms such as lower back pain and chest pain. Unfortunately, once Mesothelioma develops, it quickly becomes aggressive and treatment must be sought immediately. **Can Mesothelioma be treated?** Unfortunately, by the time most infected people become aware they have mesothelioma it has ceased being dormant and becomes extremely aggressive. Once it is no longer dormant, this type of cancer can travel quickly, and this makes it almost impossible to stop. While there are treatments that are available in order to keep the patient comfortable, there is currently no cure for Mesothelioma, and as many as 75% of those who develop the disease will lose their life within one year. The remainder may last for up to an additional six months. Among the treatments that are used in order to reduce the effects of the disease are oxygen, postural drainage and pain killers. A wide range of treatment approaches are being tested, ranging from attempts to fortify the body's natural immune system to gene therapy which tries to attack the problem at the DNA level to homeopathy, herbs and acupuncture. But none have yet been shown to be very effective once the disease reaches the aggressive stage. Given the generally poor prognosis for people who do not catch the disease in time, early detection is the best defence against Mesothelioma. If you have worked in an industry such as construction or suspect that you may have been exposed to asbestos, be alert for symptoms and contact your doctor immediately. Like all forms of cancer, detecting Mesothelioma at the earliest stage possible greatly increases your chances for survival.
Mesothelioma Cancer: Early Warning Signs and Causes
Abstract: Malignant mesothelioma is a devasting, rare and deadly form of cancer, caused by exposure to asbestos. If you've lived under working conditions that exposed you to asbestos, or had a household member that worked near or with asbestos, you should bring this to the attention of a medical doctor and seek free legal counsel. What is Mesothelioma? Chances are you may never have heard of mesothelioma cancer unless you or a relative have the disease. Still considered as a rare cancer, it has been popularized by its linkage to asbestos. Exactly what is mesothelioma cancer or malignant mesothelioma? Malignant mesothelioma is a deadly cancer of the mesothelium, or lining of the lung and chest cavity. However, it sometimes can be a deadly cancer of the peritoneum (the lining of the abdomen). It is almost always caused by exposure to asbestos, and is slow forming – often taking between 20-50 years to develop after exposure to asbestos. Malignant Mesothelioma Symptoms Symptoms of malignant mesothelioma in the lung and chest cavity are as follows: - Shortness of breath - Cough - Weight Loss - Chest Pain Symptoms of malignant mesothelioma in the abdomen are as follows: - Abdominal swelling and pain - Weight Loss Wondering How You Could Have Gotten Mesothelioma Cancer? Several diseases are associated with exposure to asbestos. They include: malignant mesothelioma, asbestosis, pleural effusion, pleural plaques and thickening, and lung cancer. Prior to 1975 asbestos fibers were commonly used. You could have been exposed to asbestos while working at any number of different industries. Chief among the possibilities would be jobs at asbestos mining and milling plants, shipyards, fireproofing and heating, construction, automotive repair, insulation, pipefitting and boilermaking. If you did not work in one of these industries or another that used asbestos, it is also possible that you could have been exposed if someone in your household worked with asbestos and carried asbestos fibers home on his or her clothing, hair or body. You may also have been exposed indirectly by living near asbestos mines. Although it is true that most patients with malignant mesothelioma, lung cancer or other asbestos-related diseases likely had prolonged exposure to asbestos over a long period of time, it is also possible for one to develop one of these diseases from a brief exposure to asbestos. The odds of developing lung cancer from smoking also increases significantly from exposure to asbestos. Although most people with lung cancer are told that their lung cancer was caused from smoking, if you or someone you know has lung cancer and also worked in an environment that gave you exposure to asbestos, it is highly recommended that you contact an attorney that specializes in handling mesothelioma and lung cancer cases caused by exposure to asbestos. The justice system has been very generous in its rewards to people who suffer diseases caused by asbestos exposure. To learn more about mesothelioma cancer I recommend you visit http://www.mesothelioma-cancer-online.com (Mesothelioma Cancer Online). when searching for web resources covering mesothelioma cancer. Mesothelioma-Cancer-Online.com is an excellent resource center that offers recommendations and directory listings for numerous websites related to mesothelioma cancer, along with articles and books about mesothelioma cancer.
Mesothelioma Cancer
Mesothelioma is a rare type of cancer in the general population. However, in individuals that were exposed to asbestos, it is not as rare. There are experts that have speculated on other causes. There are incidences of Mesothelioma with no known asbestos exposure. Mesothelioma is not a lung cancer. Smoking does not cause it. It is a cancer of the mesothelial cells. Causes of Mesothelioma The only known, established cause of Mesothelioma is asbestos. The asbestos fibers are breathed in, travel through the lung and become lodged in the pleura, the thin, saran wrap-type membrane that lines that encases the lung. The pleura, produces a special lubricating fluid that facilitates the ability of the lungs to move inside the chest during breathing. The process of irritation from the infiltration of the asbestos fibers creates changes in the cells, which causes the Mesothelioma. This is known as pleural Mesothelioma. Less common is peritoneal Mesothelioma, which is a cancer of the membrane that encompasses the lining of the abdomen. Symptoms of Mesothelioma An individual with Mesothelioma experiences chest pain usually caused by a build-up of fluid in the pleural space called an effusion and shortness of breath. Since many doctors may not have expertise in the area of asbestos-related diseases, these symptoms are often believed, at first, to be attributable to other medical problems. A biopsy of the pleural tissue or fluid may reveal the cancer of the mesothelial cells and a proper diagnosis can thus be established. A history of the individual’s occupational exposure shall be taken. Since there is no “safe” level of exposure to asbestos, even brief, low level exposures may be enough to cause Mesothelioma. Occurrence of Mesothelioma Mesothelioma is an aggressive cancer and its incidence is actually increasing day by day. There is presently no known cure for Mesothelioma. As the disease progresses, the cancerous cells harden the pleura and spread. As time passes, breathing, sleeping and eating become more difficult and eventually it becomes increasingly more challenging for the victim to engage in normal activities and enjoy life. Treatments of Mesothelioma A number of treatments have been established to help contain the spread of the disease and reduce the pain associated with it. Chemotherapy, radiation and radical surgery to remove the lung and pleura are among the options that have been explored by the treating physician. Prevention is better than Cure Mesothelioma is a preventable disease. Many of the corporations that manufacture and make profit from the sale of asbestos-containing products are aware of the hazards of asbestos. Alternative fibers are available that could be used instead of asbestos. But asbestos is cheap, and available, and is a good filler and binder. To Sum up The varied and non-specific symptoms associated with Mesothelioma, can delay detection and diagnosis The cancer has a very long latency period, which means that it could be thirty years or more before the person even realizes that they have contracted the cancer .The onset of symptoms can take up to fifty years or more in some cases, but once the symptoms have manifested the lifespan of the person can be as short as several months. So, if you or a loved one is experiencing any of the above symptoms, consult your doctor right away. Make sure that your physician is aware of any previous asbestos exposure, and occupational risk factors.
Mesothelioma - An Introduction
What is Mesothelium? To understand Mesothelioma let us first understand what mesothelium is. The mesothelium is a membrane that covers & protects most of the internal organs of the body, the mesothelium is composed of two layers of cells, one layer immediately surrounds the organ the other forms a sac like covering around it. The mesothelium membrane produces a lubricating fluid that is released between these layers, allowing moving organs such as the beating heart and lungs to slide easily against adjacent structures. The mesothelium is called by different names, depending on where it is located in the body. For e.g. the peritoneum is the mesothelial tissue that covers most of the organs in the abdominal cavity. The pericardium covers and protects the heart. The pleura is the membrane that surrounds the lungs and lines the wall of the chest cavity. The mesothelial tissue surrounding the male internal reproductive organs is called the tunica vaginalis testis. The tunica serosa uteri covers the internal reproductive organs in women. What is Mesothelioma? Now the next question that arises is what is Mesothelioma? Mesothelioma or the cancer of the mesothelium is a disease in which cells of the mesothelium become abnormal and divide without control or order. They can invade and damage nearby tissues and organs. Cancerous cells can also spread called metastasizing from their original place to other parts of the body. Most cases of Mesothelioma begin in the pleura or peritoneum, i.e. the lining surrounding the chest and the lungs. In malignant Mesothelioma, which is a rare form of cancer, the cancerous or malignant cells are found in the sac lining the chest (the pleura), the lining of the abdominal cavity (the peritoneum) or the lining around the heart (the pericardium). How do you get Mesothelioma? The single largest cause of Mesothelioma is working with asbestos; it is a major risk factor for Mesothelioma. A history of asbestos exposure at work is reported in about 70 percent to 80 percent of all cases. However, there have been cases where Mesothelioma has been reported in some individuals without any known exposure to asbestos. Most people with malignant Mesothelioma have worked on jobs where they breathed asbestos. Others have been exposed to asbestos in a household environment, often without their knowledge. What is Asbestos? Asbestos is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven. Asbestos has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to Mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a non cancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney. The risk of asbestos-related disease increases with heavier exposure to asbestos and longer exposure time. There is some evidence that family members and others living with asbestos workers have an increased risk of developing Mesothelioma, and possibly other asbestos-related diseases. This risk may be the result of exposure to asbestos dust brought home on the clothing and hair of asbestos workers.
Mesothelioma And Asbestos - The Killer Connection
Mesothelioma and asbestos are so much linked that many people call it by the name of mesothelioma asbestos. While mesothelioma is a serious cancer, asbestos is its main cause. While one may approve of things that remain of use for a long time, their effect on the surroundings decides the worthiness of that product in the end. The same holds true with asbestos. The 1940s and 1950s saw a surge of ‘asbestos’ as the next best thing to happen after cement in the construction industry. Due to it’s high degree of stability and resistance to very high temperatures, asbestos was applied greatly in insulators and ceiling tiles in homes, schools and factories. However, this product is a harmful contaminant. Asbestos has the tendency to break into small particles and remain suspended in the air for longer durations. Any individual that comes in contact or inhales it becomes vulnerable to serious diseases such as asbestosis, lung cancer or the mesothelioma lung cancers. Types of Mesothelioma: Mesothelioma, asbestos related cancer, acquires it’s name from the mesothelium cells that are responsible for protecting and enabling easy movement of our vital organs such as lungs, heart and the abdomen in the body. Mesothelioma is generally of three types, pleural mesothelioma, peritoneal mesothelioma and pericardial mesothelioma. If a person is suffering from hoarseness, difficulty in breathing, loss in weight, coughing, blood in sputum, chest pain, weak muscles, reduced tactile sensitivity, he may be suffering from Pleural mesothelioma or the cancer of lining of the lungs. This is the most common type of mesothelioma and almost two-thirds of the mesothelioma patients suffer from pleural mesothelioma. The Peritoneal mesothelioma or cancer of the lining of the abdomen causes impaired bowel motion, bloating, swelling in feet, and nausea. This is less common among mesothelioma patients and it affects one-third of the mesothelioma patients. Pericardial mesothelioma is of the cancer of lining of the heart. It is also caused because of asbestos exposure. However, its prevalence is rare. Pericardial mesothelioma manifests in the form of chest pain, palpitations, cough and dyspnea. Lawsuits Related to Mesothelioma and Asbestos: The hazardous consequences of long term contact with asbestos and its linkage to mesothelioma cancers has led to several lawsuits against its manufacturers. The mesothelioma or asbestos attorneys claim that the asbestos manufacturers were aware of the harmful affects of asbestos exposure and yet persisted with its use for profit motives. This is the reason why juries have ordered stringent awards in many mesothelioma and asbestos related lawsuits.
Mesothelioma: A Deadly Lung Cancer
Mesothelioma is a deadly cancer of the lungs and the abdominal cavities. Unlike other diseases, the cause of mesothelioma is not natural. In most of the cases, it is a cancer of lungs inflicted on the human beings by the modern economic factors, which are also credited to bring prosperity to the corporate world. The disease has left many dead and many more fighting for the failing health. The common symptoms related to the disease are breathlessness, dry cough and pain in the respiratory tracts followed by vomiting. The prime Cause of mesothelioma is the exposure to asbestos. Asbestos is a natural fibrous material that was widely used in various industries and building materials because of its stability and heat resistant properties. However, asbestos is also a deadly contaminant and responsible for serious diseases such as asbestosis, mesothelioma cancers and lung cancer. Most of the diseases are caused by inhalation of asbestos fibers that could settle in the internal body organs and cause serious diseases. Mesothelioma and other asbestos related diseases can lie dormant in the body for decades before diagnosis. The worst part is that after diagnosis the patient has hardly any left for fighting these diseases. Asbestos has extensively been mined in South Africa and exported to UK & US factories for reprocessing. For many years, the industrialists enjoyed the benefits of asbestos as a cheap substitute to wood in Building Material Industry and an integral part of Brake Lining material used extensively in vehicles during the World Wars. Asbestos was also widely used as an Insulation material in the buildings and industries in the US and Europe. The victims of mesothelioma can file lawsuits for seeking compensation against the companies responsible for asbestos exposure. They can seek compensation for medical expenses, loss of income, lost earning capacity, pain and sufferings. The family members and relatives of the people who die because of mesothelioma cancers can also file lawsuits for compensation to recover the loss of consortium care. A dozen of companies who made an exit from the business decades ago are still fighting the huge compensation bills pending against them for causing a major biological disorder. The courts have ordered huge amounts as compensation in most of the mesothelioma lawsuits.
3 Essential Tools for Starting and Maintaining a Small Business
We believe that there are 3 factors that drive the success of small businesses.
1) Acquiring start-up capital 2) Finding customers 3) Accounting for, budgeting and controlling sales and expenses
The following resources will help your small business achieve these success factors.
Acquiring Start-Up Capital
An adequate supply of capital is essential as many profitable businesses fail because they don’t have enough cash to pay their employees and suppliers. But what is an adequate supply of capital? The only way to tell is by doing a significant amount of research on your potential market and formally documenting this in a business plan. I’m sure you know that a business plan is a very important document that is crucial to convincing your banker to lend you money.
There are two ways to obtain a business plan.
1) Do it yourself by amending a business plan template, or 2) Hire a professional to do it for you.
Obviously obtain 1) will be a great deal cheaper.
Our research led to a website that has over 60 high quality and free business plan templates. We also found a directory that you can use to easily find a business plan writer in your city – where ever you live in the world.
Finding Customers
Finding customers is a difficult and expensive task for service business owners such as accountants, lawyers and plumbers. We believe that a cost effective marketing strategy for service business owners is to simply give all their personal contacts a few business cards.
Our research led to a few websites that have pre-designed business card templates. We felt that the diversity and quality of these designs was outstanding. In addition, we found that you can obtain a significant saving by finding a printing service on the Internet. We found that you could get 2,000 full color business cards for as little as US $150.
Accounting For, Budgeting and Controlling Revenue and Expenses
Accurate accounting is very important for small business owners. It’s essential that you have timely access to information that could make or break your business. If stocks are running low – you need to know about it. If a large proportion of your debtors haven’t paid – you need to know about it. If you do not react to these situations quickly you may have a situation where you don’t have enough money to pay your employees – or worse still someone is stealing cash out the till.
Our research led to a website that compares and reviews top accounting software for small businesses. The cheapest software cost US $89.99 and the most expensive software cost US $1,499. It was interesting to note that the top 3 ranked websites were not the most expensive and cost between US $250 - US $300.
Hopefully you now have an idea of some of the tools that you can use to grow and maintain your small business. If you would like to benefit from our research please visit our website. We do not charge for this research and offer the content freely on our website.
Accounting Police: Do They Exist?
Who created accounting principles? Who sets and revises accounting standards? What if you don’t follow all the rules, do you go to jail? Is there an accounting police force that investigates and arrests violators? It would seem that there must be some regulatory force to make sure that providers of financial statements conform to the rules. There is, up to a point, and here is how it works:
Mainly, it’s all voluntary and it works pretty well. First, double-entry accounting originated in Italy in the 1400’s, so its been around awhile. Accounting principles have evolved over the years just as have accounting standards. The reason why the system works is that the business community could not function if there was not commonality and consistency in financial statement reporting. It would be chaos, much like if there were no driving rules of the road.
Therefore, in the United States, a body of experts known as the Financial Accounting Standards Board (FASB pronounced Fasbee) was established in 1973, which superseded another board called the Accounting Principles Board (APB). The FASB members go through a lengthy process of analyzing and reviewing problems in the accounting field that are brought to them. After much thought, they will make a pronouncement as to what they think the new or revised way of approaching the treatment of an accounting issue should be.
They are a non-governmental organization that has private financing. A big supporter of FASB is the American Institute of Certified Public Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to this prestigious organization and are obligated to abide by its guidelines and principles of behavior. Other countries no doubt have similar organizations that require high levels of accounting professional conduct.
FASB established an accounting code called “Generally Accepted Accounting Principles” or (GAAP). The assumption is that if a business financial statement is prepared according to GAAP, then the user of that financial statement could rely on or trust the information more readily than if not prepared according to GAAP. Those businesses that deviate from GAAP, and many smaller businesses do, cannot say that their statements are prepared under GAAP; in fact, they should inform the reader that they are not. However, let the buyer beware.
One governmental body that has a policing function is the Securities Exchange Commission (SEC). It is primarily concerned with public companies because their job is to protect investors from unscrupulous acts. Recently, the SEC has gotten into the act of establishing accounting standards. It has its hands full today.
Since most businesses use their financial statements to prepare their required income tax returns, the Internal Revenue Service (IRS) may audit those tax returns and review the financial statements upon which the tax returns are based. Not following the rules can get you in trouble with this governmental body.
You can see that in many ways compliance to the principles and standards is a mixture of voluntary and regulatory behavior. Currently, there is an effort underway to set international accounting standards due to the inexorable globalization process. This is a massive undertaking that will take years, but it is obviously necessary and inevitable.


















