Everyone, it seems, has a health problem. After pouring billions into the National Health Service, British people moan about dirty hospitals, long waits and wasted money. In Germany the new chancellor, Angela Merkel, is under fire for suggesting changing the financing of its health system. Canada’s new Conservative Prime Minister, Stephen Harper, made a big fuss during the election about reducing the country’s lengthy medical queues. Across the rich world, affluence, ageing and advancing technology are driving up health spending faster than income.
But nowhere has a bigger health problem than America. Soaring medical bills are squeezing wages, swelling the ranks of the uninsured and pushing huge firms and perhaps even the government towards bankruptcy. Ford’s announcement this week that it would cut up to 30,000 jobs by 2012 was as much a sign of its “legacy” health-care costs as of the ills of the car industry. Pushed by polls that show health care is one of his main domestic problems and by forecasts showing that the retiring baby-boomers (生育高峰期出生的人) will crush the government’s finances, George Bush is expected to unveil a reform plan in next week’s state-of-the-union address.
America’s health system is unlike any other. The Unite States spends 16% of its GDP on health, around twice the rich-country average, equivalent to $6,280 for every American each year. Yet it is the only rich country that does not guarantee universal health coverage. Thanks to an accident of history, most Americans receive health insurance through their employer, with the government picking up the bill for the poor and the elderly.
This curious hybrid (混合物) certainly has its strengths. Americans have more choice than anybody else, and their health-care system is much more innovative. Europeans’ bills could be much higher if American medicine were not doing much of their Research and Development (R&D) for them. But there are also huge weaknesses. The one most often cited—especially by foreigners—is the army of uninsured. Some 46 million Americans do not have cover. In many cases that is out of choice and if they fall seriously ill, hospitals have to treat them. But it is still deeply unequal. And there are also shocking inefficiencies: by some measures, 30% of American health spending is wasted.
Then there is the question of state support. Many Americans disapprove of the “socialized medicine” of Canada and Europe. In fact, even if much of the administration is done privately, around 60% of America’s heath-care bill ends up being met by the government. Proportionately, the American state already spends as much on health as the OECD (Organization of Economic Cooperation and Development) average, and that share is set to grow as the baby-boomers run up their Medicare bills and ever more employers avoid providing health-care coverage. America is, in effect, heading towards a version’ of socialized medicine by default.
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Bookstore, co.uk Discount offered： 30% or over Ordering methods： online or via (2) ______ Terms of delivery： 1) time limit: within 48 hours 2) means: global (3) __________ Target customers: private (4) _____ schools and organizations worldwide Ways to find a book: use the search or (5) __________ |
求函数的定义域.
It never rains but it pours. Just as bosses and boards have finally sorted out their worst accounting and compliance troubles, and improved their feeble corporation governance, a new problem threatens to earn them—especially in America—the sort of nasty headlines that inevitably lead to heads rolling in the executive suite: data insecurity. Left, until now, to odd, low-level IT staff to put right, and seen as a concern only of data-rich industries such as banking, telecoms and air travel, information protection is now high on the boss’s agenda in businesses of every variety.
Several massive leakages of customer and employee data this year—from organizations as diverse as Time Warner, the American defense contractor Science Applications International Corp and even the University of California, Berkeley—have left managers hurriedly peering into their intricate IT systems and business processes in search of potential vulnerabilities.
“Data is becoming an asset which needs to be guarded as much as any other asset,” says Haim Mendelson of Stanford. University’s business School. “The ability to guard customer data is the key to market value, which the board is responsible for on behalf of shareholders”. Indeed, just as there is the concept of Generally Accepted Accounting Principles (GAAP), perhaps it is time for GASP, Generally Accepted Security Practices, suggested Eli Noam of New York’s Columbia Business School. “Setting the proper investment level for security, redundancy, and recovery is a management issue, not a technical one,” he says.
The mystery is that this should come as a surprise to any boss. Surely it should be obvious to the dimmest executive that trust, that most valuable of economic assets, is easily destroyed and hugely expensive to restore—and that few things are more likely to destroy trust than a company letting sensitive personal data get into the wrong hands.
The current state of affairs may have been encouraged—though not justified—by the lack of legal penalty (in America, but not Europe) for data leakage. Until California recently passed a law, American firms did not have to tell anyone, even the victim, when data went astray. That may change fast: lots of proposed data-security legislation is now doing the rounds in Washington, D.C. Meanwhile, the theft of information about some 40 million credit-card accounts in America, disclosed on June 17th, overshadowed a hugely important decision a day earlier by America’s Federal Trade Commission (FTC) that puts corporate America on notice that regulators will act if firms fail to provide adequate data security.
People are, on the whole, poor at considering background information when making individual decisions. At first glance this might seem like a strength that (1) _______ the ability to make judgments which are unbiased by (2) _______ factors. But Dr. Uri Simonsohn speculated that an inability to consider the big (3) _______ was leading decision-makers to be biased by the daily samples of information they were working with. (4) _______, he theorised that a judge (5) _______ of appearing too soft (6) _______ crime might be more likely to send someone to prison (7) _______ he had already sentenced five or six other defendants only to forced community service on that day.
To (8) _______ this idea, he turned to the university-admissions process. In theory, the (9) _______ of an applicant should not depend on the few others (10) _______ randomly for interview during the same day, but Dr. Simonsohn suspected the truth was (11) _______.
He studied the results of 9,323 MBA interviews (12) _______ by 31 admissions officers. The interviewers had (13) _______ applicants on a scale of one to five. This scale (14) _______ numerous factors into consideration. The scores were (15) _______ used in conjunction with an applicant's score on the Graduate Management Admission Test, or GMAT, a standardized exam which is (16) _______ out of 800 points, to make a decision on whether to accept him or her.
Dr. Simonsohn found if the score of the previous candidate in a daily series of interviewees was 0.75 points or more higher than that of the one (17) _______ that, then the score for the next applicant would (18) _______ by an average of 0.075 points. This might sound small, but to (19) _______ the effects of such a decrease a candidate would need 30 more GMAT points than would otherwise have been (20) _______.
As a wise man once said, we are all ultimately alone. But an increasing number of Europeans are choosing to be so at an ever earlier age. This isn’t the stuff of gloomy philosophical contemplations, but a fact of Europe’s new economic landscape, embraced by sociologists, real-estate developers and ad executives alike. The shift away from family life to solo lifestyle, observes a French sociologist, is part of the “irresistible momentum of individualism” over the last century. The communications revolution, the shift from a business culture of stability to one of mobility and the mass entry of women into the workforce have greatly wreaked havoc on (扰乱) Europeans’ private lives.
Europe’s new economic climate has largely fostered the trend toward independence. The current generation of home-aloners came of age during Europe’s shift from social democracy to the sharper, more individualistic climate of American style capitalism. Raised in an era of privatization and increased consumer choice, today’s tech-savvy (精通技术的) workers have embraced a free market in love as well as economics. Modern Europeans are rich enough to afford to live alone, and temperamentally independent enough to want to do so.
Once upon a time, people who lived alone tended to be those on either side of marriage-twenty something professionals or widowed senior citizens. While pensioners, particularly elderly women, make up a large proportion of those living alone, the newest crop of singles are high earners in their 30s and 40s who increasingly view living alone as a lifestyle choice. Living alone was conceived to be negative-dark and cold, while being together suggested warmth and light. But then came along the idea of singles. They were young, beautiful, strong! Now, young people want to live alone.
The booming economy means people are working harder than ever. And that doesn’t leave much room for relationships. Pimpi Arroyo, a 35-year-old composer who lives alone in a house in Paris, says he hasn’t got time to get lonely because he has too much work. “I have deadlines which would make life with someone else fairly difficult.” Only an Ideal Woman would make him change his lifestyle, he says. Kaufmann, author of a recent book called “The Single Woman and Prince Charming,” thinks this fierce new individualism means that people expect more and more of mates, so relationships don’t last long-if they start at all. Eppendorf, a blond Berliner with a deep tan, teaches grade school in the mornings. In the afternoon she sunbathes or sleeps, resting up for going dancing. Just shy of 50, she says she’d never have wanted to do what her mother did-give up a career to raise a family. Instead, “I’ve always done what I wanted to do: live a self-determined life.”
While still catching up to men in some spheres of modern life, women appear to be way ahead in at least one undesirable category. “Women are particularly susceptible to developing depression and anxiety disorders in response to stress compared to men,” according to Dr. Yehuda, chief psychiatrist at New York’s Veteran’s Administration Hospital.
Studies of both animals and humans have shown that sex hormones somehow affect the stress response, causing females under stress to produce more of the trigger chemicals than do males under the same conditions. In several of the studies, when stressed-out female rats had their ovaries (the female reproductive organs) removed, their chemical responses became equal to those of the males.
Adding to a woman’s increased dose of stress chemicals, are her increased “opportunities” for stress. “It’s not necessarily that women don’t cope as well. It’s just that they have so much more to cope with,” says Dr. Yehuda. “Their capacity for tolerating stress may even be greater than men’s,” she observes, “it’s just that they’re dealing with so many more things that they become worn out from it more visibly and sooner.”
Dr. Yehuda notes another difference between the sexes. “I think that the kinds of things that women are exposed to tend to be in more of a chronic or repeated nature. Men go to war and are exposed to combat stress. Men are exposed to more acts of random physical violence. The kinds of interpersonal violence that women are exposed to tend to be in domestic situations, by, unfortunately, parents or other family members, and they tend not to be one-shot deals. The wear-and-tear that comes from these longer relationships can be quite devastating.”
Adeline Alvarez married at 18 and gave birth to a son, but was determined to finish college. “I struggled a lot to get the college degree. I was living in so much frustration that that was my escape, to go to school, and get ahead and do better.” Later, her marriage ended and she became a single mother. “It’s the hardest thing to take care of a teenager, have a job, pay the rent, pay the car payment, and pay the debt. I lived from paycheck to paycheck.”
Not everyone experiences the kinds of severe chronic’ stresses Alvarez describes. But most women today are coping with a lot of obligations, with few breaks, and feeling the strain. Alvarez’s experience demonstrates the importance of finding ways to diffuse stress before it threatens your health and your ability to function.
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求； 求二维随机变量的概率分布．