Saturday, December 28, 2019

Essay about The Color of Fear by Lee Mun Wah - 692 Words

Race, privilege, and gender are three key issues addressed in Lee Mun Wahs The Color of Fear. Different characters in the film bring out these issues and discuss how they have come about and how they are apparent in our society today. Lee Mun Wah uses different variations of visual language and compositions to show certain perspectives on the different characters. Also there is a theme of interlocking hierarchies presented in the film. Certain characters in the film bring out the idea of white privilege. These privileges and advantages of whites in our society often go ignored and unasserted. Victor states how white men stand on the heads of their women, meaning that men degrade†¦show more content†¦White people have an invisible package of unearned assets. Invisible in the way that they cant be seen or touched, but can be cashed in everyday at colored peoples expense. White people have these unearned advantages and privileges just for being white, and in our society this leads to a systematic tendency to over empowerment, where denial of these advantages occurs leading to no changes in society. In the film we see issues of race and racism as being a white problem, contrary to what we see in society as race and racism as being a colored problem. Victor and David Lee both make the statement that to be American is to be white. In society we usually see racism as individual acts of violence or discrimination towards others, but as David Lee points out, racism is an invisible system conferring unsought racial dominance by am oppressive group, mainly whites. White power secures its dominance by seeming not to be anything in particular (Lipsitz, 135). Victor says how he could get things his mother couldnt get just because his skin was a lighter black than hers. Lee then brings in a picture of Victor and his mother where the difference in skin color can be seen. Lee often brings in pictures of the participants of when they were young, and when th ey are with their families. This helps the viewers to draw more of identification with the characters. Often in between scenes Lee MinShow MoreRelated Analysis of Spike Lees Do the Right Thing Essay1420 Words   |  6 Pages Director and actor Spike Lee presents his truth about race relations in his movie Do the Right Thing. The film exhibits the spectacle of black discrimination and racial altercations. Through serious, angry, and loud sounds, Lee stays true to the ethnicity of his characters, all of which reflect their own individualism. Lee uses insulting diction and intense scenes to show how severe racism can lead to violence. The biases reflected through Do the Right Thing model those of today which hasRead MoreSelf Reflection1662 Words   |  7 Pages(Rogers, 2016). Social workers use these levels to conceptualize clients’ problems (Rogers, 2016). These external analysis, overlaps and interact with each other, to demonstrate how people are affected by their e nvironment. For example, I am a woman of color who have a three month old baby at home, and participate in WIC (Women, Infants, and Children) welfare program. I am a 28 year old single parent, earning under $25, 000. On that salary, I cannot afford to pay rent, food, clothes and daycare. The costRead More Racism: A Historical and Social Construct in America Essay2951 Words   |  12 Pagesstudents because â€Å"They are organized by parents, not the school.† In â€Å"Racial Formation† by Michael Omi and Howard Winant, it was stated that W.E.B. Du Bois argued for a sociopolitical definition of race by identifying â€Å"the color line† as the â€Å"problem of the 20th century.† However, the color line still seems to be the problem in the 21st century. Cathy j. Tashiro in â€Å"Mixed but Not Matched†, argues that although there is more genetic heterogeneity within than between the groups we call â€Å"races†, the belief

Friday, December 20, 2019

Synthesis From The Law Of Conservation Of Energy - 1470 Words

introduction A thermodynamic cycle consists of a sequence of multiple thermodynamic processes that encompass the transfer of heat and work into and out of the system. This process can have many variables within the system including pressure, temperature. (saylor.org, n.d.)The cycle ends with the system returning to its initial state. The first law of thermodynamics is simply an adaption from the law of conservation of energy but is slightly changed to encompass the differences. (clarkson.edu, n.d.) This law when put simply states that the change in energy within the system is directly proportional to the difference of the heat input to the system and the workout put of the system. (ucdavis.edu, n.d.)This gives the following equation: ∆U=Q-W Where; ∆U is the change in internal energy of the sytem Q is the amount of energy added to the system through heat W is the amount of energy lost due to work done by the sytem Power cycles Thermodynamic power cycles are the origin of the operation of heat engines which supply a majority of the world electric power and also run a majority of motor vehicles. These power cycles can be put into one of two categories; real cycles and ideal cycles. (saylor.org, n.d.) Real cycles are those found within the real world and as quite difficult to analyse due to the presence of complicating factors such as friction. To allow ease of design and analysis, ideal cycles were created; these ideal models allowed engineers to study the major limitationsShow MoreRelatedChemical Reaction : Chemical Reactions948 Words   |  4 Pagesatoms are formed or broken.† The substance that goes into a chemical reaction is the reactant, and the substances produced produced at the end of the reaction are known as products. Chemical reactions are all around us constantly occurring, anything from a candle burning to the rusting on a fence are examples of a chemical reaction. Chemical reactions can be noticed by Chemical Change some example of chemical change are change in temperature, change in color, bubbles, precipitate, light, and odor.Read MoreChemical Reactions. . A Chemical Reaction Is A â€Å"Chemical1009 Words   |  5 Pagesatoms are formed or broken.† The substance that goes into a chemical reaction is the reactant, and the substances produced produced at the end of the reaction are known as products. Chemical reactions are all around us constantly occurring, anything from a candle burning to the rusting on a fence are examples of a chemical reaction. Chemical reactions can be noticed by Chemical Change some example of chemical change are change in temperature, change in color, bubbles, precipitate, light, and odor.Read MoreModule 4 DBA notes966 Words   |  4 Pagesformation of a substance in a different state (for example, a solid from the mixing of two liquids) Chemical equations: a representation, using formulas and symbols, of a chemical reaction. Reactants: The substances that are present at the beginning and undergo a chemical reaction. Products: The new substances that are formed or produced by a chemical reaction. (reactantsïÆ'  products) -(aq) for aqueous solution Law of Conservation of Mass: Matter is neither created nor destroyed during an ordinaryRead MoreBiography Of Leopold s A Sand County Almanac Essay1571 Words   |  7 Pagesfor food or the history of a tree. The Oxford English Dictionary defines the word â€Å"conserve† as to, â€Å"protect (something, especially something of environmental or cultural importance) from harm or destruction† (â€Å"Conserve†). Once we are able to appreciate nature, we become more aware of the importance of conservation. When you do not care about nature, it is easy to overuse and mistreat it in such a way that it harms the environment. On the contrary, if one is able to truly appreciate nature, he orRead MoreThe Six Branches Of Chemistry1482 Words   |  6 Pagesproductive and efficient processes, characterizes new compounds and materials, and helps other researchers extract useful knowledge from mountains of data. use mathematical algorithms, statistics, and large databases to i ntegrate chemical theory and modeling with experimental observations, design experiments and new materials, bind a new drug molecule or create models of synthesis reactions to demonstrate the effects of kinetics and thermodynamics on the amount and kinds of product, pharmaceutical industryRead MoreA Brief Introduction to the Pinch Analysis930 Words   |  4 Pagesproduction, limitation of global energy supply, and the realities of environmental conservation are an enduring concern for all industries. Wherever you turn, there’s another entreaty to save energy, reduce carbon emissions and protect the environment for posterity. 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In the second part Modeled ResearchRead MoreCritique of Nicolas Maxwell’s Aim-Oriented Empiricism2252 Words   |  10 PagesEmpiricism In his paper, â€Å"Popper, Kuhn, Lakatos and Aim-Oriented Empiricism,† Nicholas Maxwell proposes the latest version of his conception of natural science, which he calls aim-oriented empiricism (AOE). Maxwell states that AOE â€Å"is a kind of synthesis of the views of Popper, Kuhn, and Lakatos, but is also an improvement over the views of all three.†(181) It is Maxwell’s conception of aim-oriented empiricism (hereafter referred to as AOE) that this paper is addressed to. There are two centralRead More Pollution and Environment Essay - We Must Find a Balance Between Man and Nature1630 Words   |  7 Pagesnature. Though nature is not the quintessence that many believe, it is nonetheless valuable to humans. For me, nature is any part of the world not directly controlled by humanity. Two concepts regarding nature frequently arise. The refined view from the prosperous city dwellers presents nature as a majestic landscape of imposing mountains and elegant terrain. The other, more common view is that nature no longer exists; instead, it is a symbol of uncertainties and dangers that needs to be tailoredRead MoreCellular Respiration2544 Words   |  11 PagesGlycolysis — Prep Reaction — Krebs Cycle (Citric Acid Cycle) — Electron Transport Chain — Fermentation — The Ingredients — You already know what is needed for Cellular Respiration Food + Oxygen Carbon Dioxide+ Water +ENERGY! C6H12O6 + O2 CO2 +H2O + ATP — Redox Reactions (the shuffling of electrons) †¢ Most of the reactions involved in the process are possible because of the redox reaction of NAD, an electron carrier †¢ Oxidation – a reaction in which a substance

Thursday, December 12, 2019

Culture in Urban Schools - Paper on the Movie Precious free essay sample

Culture in Urban Schools SOSE 3306 Final Exam Directions: Choose movie from the list below to answer the following questions. Answer the questions within the framework of the Culture in Urban in Schools 3306 class. Each question is 20 points each. Suggested Movies or Books: Slumdog Millionaire CRASH Freedom Writers The Secret Lives of Bees Save the Last Dance To Kill a Mockingbird Precious Name of Movie: _____________________Precious___________________ 1. Describe the movie/book setting by using Sociocultural Theory. Look at the dominant and marginalized groups, the structural inequality of the systems in the story, and the power/privilege of the characters. How does the author tell their story or stories? The setting of the movie â€Å"Precious† shows the main character, Claireece, struggling to find her identity and self-worth in the midst of oppression and abuse. She is surrounded by abuse in her home life and oppression at school. She loses her self-identity but never loses the will to find out. She grows up living in an environment where she is constantly labeled and called out of her name. The dominant groups in the movie, her father and mother, was abusive and enslaved Claireece, and this was offset by other dominant group, the teachers and the counselor, who pushed to deposit positivity and self-worth into her. The movie demonstrated Claireece’s inner desire to find herself, her belief that there was hope, a wish, for change, by her inner thoughts, daydreams, and her mental escapes during her moments of abuse. The movie gives a small glimpse the students, the marginalized group, in the education system. The public school represents a system where the learning approach is typical, bureaucratic and mono-cultural. It was evident that the majority of the students were not being reached, there was a disconnect between teacher and students. The opposite was the alternative school Claireece enrolled in. â€Å"Each One, Teach One† demonstrated more of a Critical Pedagogy approach, where the curriculum was based around the student’s experiences and was fueled by their regular input. The author/director told Claireece’s story by showing how she grew as she was around a support system that included teachers and peeps, instead of inclusion among the midst of decay. Other characters used their power/privilege in a positive light. Even though Claireece’s junior high school principal was directly tied to an oppressed system, which suspended Claireece from school, not because of academic or behavioral problems, but simply because she was pregnant, at no fault of her own. This was a clear example of structural inequality, however, her principal, with help from her math teacher, used her power to reach out to Claireece and offer her an avenue of escape. Also the male nurse, Nurse John, went beyond the set parameters of his job to show Claireece kindness and genuine concern. 2. Identify the characters in the story. How do the characters identify their cultural identity? Utilize the cultural markers or elements that we have discussed in class. I will focus on three characters of the movie. Claireece (Precious). She possessed a foundation of love and acceptance, which was now covered in low self-esteem and self- worth. My her name alone, Precious, is proof that in the beginning up to some point she was loved and felt loved by her mother, and possibly her father. She continued to reach back to that love that once experienced, hoping it would resurrect her from the bondage she is experiencing. Her home environment shaped her language, social skills, and personal outlook. Mary Jones (Claireece’s mother). Her mother is an interesting character because she portrays both a dominant and marginalized group. She both uses her power and also presents herself powerless. Her cultural identity is portrayed in her work and moral ethics. Instead of encouraging Claireece to attend school, learn to read, or even to find work to help support her children, the constant advice was to forget school because she was â€Å"too stupid to learn† and to sign up for welfare. This was advice lived because Mary avoided work by scamming the public assistance program. Blu Rain (Claireece’s alternative school teacher). Claireece’s alternative school teacher offers hope and fills the social and emotion voids in Claireece’s life. Blu goes beyond classroom curriculum to reach Claireece. She pushes Claireece to begin to learn to read and write and to open up and become vulnerable. Blu opened her home to Claireece, exposed her own controversial lifestyle to her and displayed unconditional love to her. Blu also struggled to find Claireece somewhere to live when she finally left home. Blu’s cultural identity is seen in her relationship, and her personal and professional morals. . Are the characters using their culture to acculturate, assimilate, or isolate from the dominant culture? Claireece’s used her culture to acculturate from the dominant culture. This was practiced at home for reasons of self preservation. She took on traits of her mother to appease her and attempt to lessen the episodes of abuse. In society, Clair eece’s used her culture to isolate herself. She often commented about loneliness and feelings of isolation. Claireece’s mom, Mary used her culture to assimilate from the dominant culture, all for the purpose of obtaining public assistance. She used her dominance over Claireece’s to manipulate the system of the dominant culture and used it to her advantage. In my opinion Rain used her culture to isolate from the dominant culture. Her isolation is critical for her to provide educational and cultural opportunities for marginal groups. Even though Claireece was sent to the alternative school, it was not a recommendation as part of dominant group program or system; in contrast, it was because of the extra effort of her junior high school’s principal. 4. What was the author’s purpose for writing/creating this story? The author had a two-fold purpose for writing this story. First, the obvious story on the surface, which is the story of a person who struggles to rise above the ashes of the decay surrounding her life to provide a better opportunity for not only herself, but for the children. One of the poignant moments of the movie is when Claireece declares that she is actually the best option for her son, her children. Despite the void of the usual things needed, she is determined to give her children a different life, which means a different life for her. I also think the other story in the movie is about those people who sacrifice of their own life to provide hope for the marginalized group. Blu Rain, and also Mrs. Weiss, the social worker, shows the passion and dedication needed to reach students and those in need. Mrs. Weiss could have simply followed the Q A protocol at her dress and push the necessary paperwork through for Claireece, all in the name of â€Å"doing her job†, but instead she went through great pain and discomfort to get Claireece to open and face her own reality; to step outside of the protective shell she created. . What are your connections to this story? My connections to this story are about those with power and privilege stepping out of the structural inequality of the system and giving me opportunities. In kindergarten I demonstrated an academic advancement that the other students did not portray. I showed clearly that I was beyond the regular class curriculum. Instead of allowing the system to oppres s and arginalize me, I was given an opportunity to study with the first grade class while I was still in kindergarten and by the time I graduated from kindergarten I had already complete the first grade curriculum, therefore I was allow to go directly to second grade and therefore I was able to be challenged academically and socially which provided me with growth opportunities. Also, as a basketball coach of high-school aged boys in the urban neighborhood, I was given the opportunity to often step outside the normal parameters of a sports coach, and often life lessons to the boys on the team. Each boy had his own unique story and therefore I had to use a different method to reach each boy. As being the one with power and privilege and part of the dominant group vs. the marginal groups, I was sensitive to the fact that I did not suppress their uniqueness, nor did I minimize their cultural contributions they brought to the team, because there was more than just black kids on the team. In the end, I provided a platform where each teammate was able to contribute to the success of the team beyond just their performance on the basketball court.

Wednesday, December 4, 2019

Effectiveness Of Protection For Financial - Myassignmenthelp.Com

Questions: What Are The Ways To Protect The Customers Using Bank Services? What Is The Difference Between The Competition Arrangement Of Hong Kong With That Of The Other Countries Like US, UK, Singapore And Australia? What Are The Flaws In The Provisions Laid Down In HK Towards The Protection Of Customers? What Are The Consideration And Implication Changes Required For The Protection Of Customers? Answers: Introduction There is a view which is held by the Hong Kong Monitory Authority (HKMA) that the cornerstone for the sustainable development of banks is the confidence and trust of the consumers. These concepts promote the stability of banking within the country. To attain and maintain the trust and confidence of the consumers the banks have the responsibility of providing a fair and just treatment to its consumers. One of the initiatives which have been taken by the HKMA in this regard is the credit card reforms. The practice includes the HMKA operating alongside other industries which it provide enhanced credit card experience to the consumers which is provided in Australia, US and UK. The industry announced total of 31 measures which have been implemented duly within the industry. The purpose of this measures is the promotion of fair and reasonable practices in relation to credit card providers. A few of these measures aim to reduce the cost which is borne by the customers in relation to credit cards and also enhance the accounting and disclosure of credit card providers. The implementation of these reforms is set to lift the standard of Hong Kong in relation to good credit card practices up to other countries such as UK, US and Australia. The HKMA has also worked towards development of the Treat Customers Fairly (TCF) Charter for retail banks as well as Treat Customers Fairly Charter for Private Wealth Management Industry which can be applied on private banks. Five high levels TCF principles are incorporated through both charters which have been drawn from good local and oversee practices as well as G20 High-Level Principles on Financial Consumer Protection[1]. However the situation in which the banking industry of Hong Kong is presently is not up to the standards which is provided by some of the other global financial leaders such s Australia, UK and USA. The primary purpose of the research will to be find ways to provide better protection to the consumers of banking product within Hong Kong. Title of the research Assessment of the Effectiveness of Legislative Protection for Financial Product Consumer in Hong Kong as Comparative of Other Major Global Financial Centre and North Asia Counterparts Reasons and concept for research As the problems in relation to issues like increase in bank fee and charge are rising, the demands that the HKMA should be looking to find out ways for the purpose of protecting the bank customers. Research Objectives The objectives of the research To find out ways to protect the customers using bank services To compare the competition arrangement of Hong Kong with that of the other countries like US, UK, Singapore and Australia To identify the flaws in the provisions laid down in HK towards the protection of customers. To identify the consideration and implication changes required for the protection of customers. This section of the research is going to conduct a review of literature in relation to Effectiveness of Legislative Protection for Financial Product Consumer in Hong Kong. The section will also identify the protection framework which is provided to consumers of banking products in the other counties such as United States, United Kingdom and Australia. The section of the paper will also describe the legislative framework in place in Hong Kong for the protection of consumers of banking products. Several journal articles would be analyzed by this section of the research in order to locate the gap between what research is available and what research is required in relation to the topic. Customer protection Consumer protection has been defined by Douglas as the concept of developing trust and confidence of the consumer towards the market and to ensure that organizations do not indulge in activities which would jeopardize the interest of the consumer in order to make personal gains. Therefore the section will look to consider in details the meaning of consumer protection in relation to the financial sector of Hong Kong[2]. Financial Regulation and Banking Consumer Protection The Financial Services Authority is a prudent regulator operating within the UK for the purpose of ensuring protection of consumers in the financial sector. On the other hand in Australia the Australian Securities and investment Commission is an independent regulator which does the same job. However in contract there is no express authority which has been designated for the purpose of protecting consumers within the banking industry. The Financial Services Authority (FSA) provides express mandates in relation to consumer protection in the marketing industry. There are various regulatory objectives which the FSA has and two out of which are related to consumers. They are namely promoting the understanding in relation to the financial system within the consumers and also to secure a reasonable and adequate degree of protection for them. Other services such as promoting education and financial literacy among the consumers are also provided by the regulator. The authority also conducts c ompetition scrutiny in relation to the industry[3]. When it comes to Australia, the country adopts a functional model in relation to financial supervision where different aspects of the market is looked after by different agencies. The Australian Prudential Regulation Authority (APRA) is the agency which operates in relation to prudential regulations on the other hand the Australian Competition and Consumer Commission (ACCC) and ASIC deal with competition in financial system and consumer protection respectively. Even where the main function of APRA is in relation to ensuring financial safety it is also directed to "balance the objectives of financial safety and efficiency, competition, contestability and competitive neutrality." Irrespective of its other functions the ASIC is also required to ensure compliance in relation to Australian Code of Banking Practice, approving dispute resolution schemes like Ombudsman Scheme, checking customer complaints system, and promoting consumer education. In relation to economy-wide remit the respons ibility of ACCC also extends to ensuring that the financial system is competitive[4]. When it comes to Hong Kong the division of financial supervisory duties is done among different regulators with reference to the financial market which is to be regulated. The primary regulators are the Securities and Futur, es Commission (SFC), the Office of the Commissioner of Insurance (OCI) and Hong Kong Monetary Authority (HKMA). The general function of the HMKA is to "to promote and encourage proper standards of conduct" and "to provide a measure of protection to depositors" in relation to authorized institutions. However the consideration of such functions has to be done in the light of the primary functions of the HKMA that is the promotion of effective working and general stability of the banking system. Therefore as the primary functions of HKMA are in relation to macro issue towards the functioning of the banking system, its formal powers in relation to the banking ordinances cannot be said to be suited towards consumer matters. There are others means through which the HMK A is well equipped such as moral suasion, encouraging compliance to the Code of Banking Practice and handling of customer complaints which may be to an extent effective in relation to consumer affairs[5]. Self-regulation by way of Codes of Banking Practice Moreover apart from the official regulations provided by the regulator, self regulations imposed by the industries plays a important role in the consumer education and protection through setting up a minimum standard in relation to market conduct. Voluntary codes of banking practices sponsored or issued through the industry association have been formulate by all the three countries[6]. Although there may be variation in relation to the exact content, the scope of such codes usually covers disclosure requirements, account operation, dispute resolution and principles of conduct. However irrespective of other differences the effectiveness and from of compliance monitoring may vary. Both the Australian and UK codes mandated that the subscribers must incorporate internal procedures in order to handle customer complaints which have to comply with certain standards. Moreover the members have to be a part of an external dispute resolution mechanism like Ombudsman scheme for customers future recourse[7]. Summary Thus through the section the researcher will establish the shortcoming of the system which operates within Hong Kong in relation to the protection of the consumers as compared to that of the regulations which have been imposed on the banking sectors of countries like UK and Australia. The gap which has been identified by the researcher in relation to the research will be attempted to be closed by him while conducting this research Black-letter approach in doctrinal research For the purpose of conducting the research the researcher is going to adopt the Black-letter approach in doctrinal research. This method will be selected by the researcher through taking into consideration the topic of the research. The researcher will also taken into consideration the amount of resources and time which the researcher is willing to allocate in relation to the research. The 'black letter' project-management is the most traditional approach in relation to a law research. The method takes its name through the tendency of legalistic approaches of concentrating only on the 'letter of the law'. Through this method the researcher will reduce the topic of law to a mandatory descriptive analysis of several co-ordinate and technical legal rules which are found through primary sources. The primary objective why which the researcher will use this approach in relation to the research is to organize, collate and describe legal rules as well as provide commentary on the significanc e and emergence of authoritative legal sources through which consideration of rules on relation case laws is done for identifying an underlying system. The selected methodology mandates the researcher to give meaning to a cases based on the fact that its forms a system of inter-related rules instead of a stand alone decision[8]. Comparative approaches The researcher is going to have a comparative approach in relation to the research. Through this approach the researcher would be able to compare and contrast the legislative framework of Honk Kong in relation to consumer protection with the legislative framework of the other countries such as Australia and UK. The approach is usually adopted when the aim of the researcher is to find out the short coming of a system and r=make recommendations in relation to the topic[9]. Ethics application While collecting data in relation to the research which is going to be both secondary and primary in nature the researcher is going to comply with the provisions of the data protection legislation. The data collected in relation to the research is going to be kept confidential and would not be disclosed without permission. The researcher will acknowledge all sources which have been used for the purpose of conducting this research[10]. Other provisional chapters The research will have a discussion section where the results which have been obtained in relation to the research will be analyzed the researcher. The research will also include the chapters of recommendation and conclusion where the result obtained through the research will be stated. References Arner, Douglas W., et al. Financial Markets in Hong Kong: law and practice. Oxford University Press, 2016.ral Caprio, Gerard, et al. "Macro-financial determinants of the great financial crisis: Implications for financial regulation."Journal of Banking Finance44 (2014): 114-129. Coffee Jr, John C., Hillary Sale, and M. Todd Henderson. "Securities regulation: Cases and materials." (2015). Cranston, Ross.Principles of banking law. Oxford university press, 2017. Dressler, Joshua.Black Letter Outline on Criminal Law. West Academic, 2015. Egan, Mark, Ali Hortasu, and Gregor Matvos. "Deposit competition and financial fragility: Evidence from the us banking sector."The American Economic Review107.1 (2017): 169-216. Egan, Mark, Ali Hortasu, and Gregor Matvos. "Deposit competition and financial fragility: Evidence from the us banking sector."The American Economic Review107.1 (2017): 169-216. Frame, W. Scott, and Lawrence J. White. "Technological change, financial innovation, and diffusion in banking." (2014). Glesne, Corrine.Becoming qualitative researchers: An introduction. Pearson, 2015. Kastner, Lisa. "Much ado about nothing?Transnational civil society, consumer operations and financial regulatory reform."Review of International Political Economy21.6 (2014): 1313-1345. Kay, John.Other People's Money: Masters of the Universe Or Servants of the People?. Profile Books, 2015. Sekaran, Uma, and Roger Bougie.Research methods for business: A skill building approach. John Wiley Sons, 2016. Yu, Jia-Ying. "Comparison of Financial Regulatory Sandboxs History and Development-Take United Kingdom, Singapore, Australia for Example." (2017)