Saturday, December 28, 2019

How Morals Were Shaped Through The Creation Stories

How morals were shaped through the creation stories in the book of Genesis â€Å"The first principle of value that we need to rediscover is this: that all reality hinges on moral foundations. In other words, that this is a moral universe, and that there are moral laws of the universe just abiding as the physical laws† (Martin Luther King Jr.). Everyone around the world, regardless of gender, race, religion, and political views are defined by their own moral compass. The decisions that people make are heavily influenced by their own unique moral compass that was shaped through the culture and societal norms exposed around them. In particular, the book Genesis describes the creation of man and through their creation, brings forth the ideal†¦show more content†¦However, this creation story raises multiple questions regarding Huynh 2 morality in today s contemporary beliefs. Before, people may blindly take it that God is always right and that we should obey Him because we will be severely punished if we disobey. Now, people in general have become more open minded and analytical with what they read. For instance, the story depicts that the reason why Adam and Eve were punished because they ate the fruit that gave them knowledge of right and wrong. However, Adam and Eve did not know the difference between right and wrong before eating the fruit. For example, after eating the fruit, Adam and Eve knew it was wrong for them to be naked and tried to cover themselves. So was it right for God to punish Adam and Eve when they did not know that it was right or wrong to disobey Him? Is it moral to punish those who do not understand what is right and wrong, much less differentiate the two? In fact, the first story in Genesis shows how destructive God can be to those who do not obey His commands which raises question s about morality to the reader. Depending on the reader s interpretation, the story influences their moral compass. Several interpretations could be: â€Å"It is morally wrong to disobey God and to disobey God means we will face dire consequences† or â€Å"It is morally wrong to disobey God, but was it unjust for God to punish those who are ignorant of what is

Friday, December 20, 2019

Bilingual Education The Dual Language Program - 1224 Words

Sagun Khadka Ms. Scarola English 1113 May 6, 2015 The Dual Language Program Bilingual education is an educational system in which students are taught in both their native and international language. It has been practiced in various forms in different countries of the world. There are still conflicts between people in case of bilingual education because some people prefer bilingual education whereas, some refuse it, depending upon their own thoughts and reasons and they are still arguing about it. Whatever the argument is, bilingual education should be prioritized, especially in the country like United States where thousands of immigrants from all over the world are welcomed every year, because being linguistic has observable practical benefit in an increasingly globalized world rather than being monolingual. Bilingual education also helps maintaining the fluency of the native language, improving the academic proficiency of the second language learned, hence it is the better system of education. The Bilingual programs have shown many benefits academically an d socially to the students. Being significant there are numerous example of people succeeding with the bilingual program; Critics like Temes and Nyika has deliberated bilingual education being effective educational program in cognitive development process of childrens. However, bilingual education program these days seems to be popular in the Asian countries which is famous for cultural diversity. Countries like, Nepal,Show MoreRelatedBenefits of Creating Dual Language Programs Essay1332 Words   |  6 PagesDual language is a form of education in which students are taught to read and write in two languages. The majority of dual language programs in the United States teach in English and Spanish, although there are emerging programs that teach in Mandarin, Japanese and Hindi. The programs start of mostly in kindergarten sand 1st grade and continue throughout primary education, in addition some dual language programs depending on the grade continue through middle and high school. Even Hayward’s own BurbankRead MoreDual Language Learners Are Children Learning Two Or More1148 Words   |  5 Pages Dual language learners are children learning two or more languages at the same time, as well as those learning a second language while continuing t o develop their first (or home) language (Dual language learning, 2008). The number of children being raised in bilingual homes is large and growing, however the mechanism of language development in children from bilingual homes is not well described or understood (Hoff et al., 2011). A large body of research has refuted the opinion that dual languageRead MoreDual Immersion Education For Students1376 Words   |  6 Pagesual immersion education aims for students to become fluent in two languages, English and whichever language they are enrolled in. This education is done through a program where students are exposed to two languages in the classroom. Dual immersion education is beginning to expand towards more cities and needs to be better financed. As it expands, the popularity grows resulting in more parents becoming aware of the program and then wanting it offered at their child’s school. Dual immersion education’sRead MoreThe Primary Responsibilities Of An Educator 1412 Words   |  6 Pagesstates that â€Å"bilingual education has the potential of being a transformative school practice, able to educate all children in ways that stimulate and expand their intellect and imagination, as they gain ways of expression and access different ways of being in the world† (p.12). Implementing a two-way Spanish and English immersion program provides students with a unique educational experience in which students have access to instruction in their primary language and a second language, with the goalRead MoreDual Language Education And Education1247 Words   |  5 PagesEven though Brown v. Board of Education ruled segregation in schools unconstitutional, it exists in a different form today. While the most students in schools are in normal classes, English Language Learners are often separated from the rest of the student body. These students, mostly hispanic immigrants, are put in special classes separate from the main student body where they are given special English instruction. They rarely interact with the main student body, and it often seems that theyRead MoreBenefits Of Dual Language Bilingual Education784 Words   |  4 PagesA dual language bilingual education strategy is usually employed in public schools. Typically the minority language students and the majority language students are evenly distributed throughout the classrooms. Both languages are used for instruction with evenly distributed 50/50 time. One teacher shall instruct with the home language while other instruction is in English. The two teachers work collaboratively through all the lessons. Since these students are in mainstream education, it is noRead MoreBilingual Educatio1291 Words   |  6 PagesBilingual language is beneficial for the child’s first language and English development â€Å"Language constitutes us, it gives us meaning and allows us to make meaning, and it develops and abolishes spaces.† (Benjamin, 2002). Critiques of bilingual education continually claim that children can only learn one language at a time after which they are taught a second language (Krashen, 2000). They assert that bilingual education cause confusion among children and limit their intelligence capabilities;Read MoreBilingual Education And Bilingualism1102 Words   |  5 Pages Benefits of Bilingual Education and Bilingualism The United States of America is host to a large population of immigrants from all over the globe. For this reason, bilingual education has been a topic of discussion for decades, as children who have migrated with their families need an adequate education that will allow them to succeed. In order to provide English language learners (ELLs) with the best educational experience, it is important to recognize that bilingual education and bilingualismRead MoreNeeds Assessment Essay1678 Words   |  7 Pagesdemographics being majority white and English speaking, and the ELs of a very diverse background, poses a challenge on creating two-way dual language programs in the district which would benefit the students most. According to The Bilingual Advantage, â€Å"Even if children and adolescents are not fully proficient in their primary language, enabling students to use their strongest language in school in addition o English will support them in their developing bilingualism, and also bri ng with it all of its cognitiveRead MoreThe Importance of Bilingual Education in America Essay1019 Words   |  5 PagesThe Importance of Bilingual Education in America First off, it’s important to understand the difference between learning and education. Learning is the ability of an individual’s brain to acquire and retain information for a lifetime, whereas education is an aide to further strengthen a student’s learning capacity with the use of resources: teachers, libraries, classroom environment, etc. All students are essentially equal when they enter the educational environment, however students who don’t

Wednesday, December 11, 2019

Strategic management study Lululemon Athletica Incâ€Free Samples

Question: Discuss About The Strategic Management Study Of Lululemon? Answer: Introduction The aim of the essay is to analyse internal and external business environment of Lululemon Athletica Inc. This is a Canada based retail company, which provides athletes apparel bat premium price. As per May 2016, the profit margin of the company is 12.36%. Quarterly revenue growth of this company is 17%. Current ratio of the company is 4.80, which indicates that the company has strong financial position (Ca.finance.yahoo.com, 2016). Current ratio value more than 2 indicates that current asset of the company is more than current liabilities, which helps the company to meet short term liabilities. Despite facing controversies regarding product quality several times, the company has strong position in market. The essay analyses competitive advantage of Lulu lemon in the sports apparel industry. In a competitive market the company faces several challenges and risks, which are analysed here. Weaknesses and opportunity of the company in future are highlighted to assess companys growth pros pect. Discussion Lululemon operates in a competitive environment. The market of sport apparel is oligopolistic market, as there is few numbers of sellers. Strong competitors of Lululemon are Adidas, Nike, GPS and Under Armour etc (blogs.ubc.ca, 2013). Quarterly revenue growth of Lululemon is more than the competitors and even more than the industry growth rate. Market capitalisation of this company is less than Nike and Adidas. Labour power of the competitors is more than that of Lululemon. Financial position of Lululemon is stronger compared to other competitors as it has current ratio of 4.80. High current ratio is attractive to the investors, as it signify that the company has sufficient current assets to finance the current liabilities, Comparisons among the direct competitors (in USD) LULU NKE Adidas AG (Pvt1) GPS Industry Market Cap: 10.97B 95.99B 31.27B 10.30B 983.09M Employees: 11,000 70,700 537,311 141,000 3.60k Quarterly Rev Growth (Year Over Year): 0.17 0.06 0.13 -0.06 0.16 Revenue (ttm): 2.13B 32.38B 17.67B 15.58B 1.46B Gross Margin (ttm): 0.48 0.46 N/A 0.36 0.42 EBITDA (ttm): 432.14M 5.16B N/A 2.06B 131.05M Operating Margin (ttm): 0.17 0.14 .78 0.09 0.05 Net Income (ttm): 263.57M 3.76B 595.60M1 808.00M N/A EPS (ttm): 1.89 2.16 4.49 1.99 0.39 P/E (ttm): 42.49 26.49 N/A 12.98 20.24 PEG (5 yr expected): 2.25 1.68 N/A 1.61 1.48 P/S (Trailing Twelve Months (as of May 1, 2016)): 5.04 2.95 N/A 0.65 1.19 Table: Companiess key statistics as of 2014 (Source: Ca.finance.yahoo.com, 2016) Competitive advantage of Lululemon can be categorised into four segments such as efficiency, quality, innovation and customer loyalty. Competitive advantage adds value to the business. Lululemon efficiently outsource the products in different countries like Bangladesh, Indonesia, Israel, Peru and China. The products are outsourced through its own labels. Unique products and market segmentation gives the company sustainable competitive advantages. Providing different types of products for sportswear for both men and women gives advantage in the market. The company provides option for online purchase and free delivery of goods. Free delivery gives benefit to the customer in terms of cost and time saving (McGrath 2013). The activities of the company are divided among different departments. This strategy brings operational efficiency in the company. The guest education centre is a part of the company, which provides education and knowledge about products to the users and greater communit y. Distribution centre is a different segment, which manages the supply chain of the company (DaSilva and Trkman 2014). The store support centre has expert team on various aspects such as product innovation, training of the employees, finance, technical support, merchandise management and community relation. There is a specific department, which researches continuously for product up gradation. This company applies differentiated business strategy such as giving 15% discount to the certified yoga and fitness instructors. Brand recognition and maintaining product quality facilitates the company. More than 60% consumers perceive that Lululemon provides women brand. The competencies of the company are high quality products with innovative features and comfort. Continuous innovation gives the company competency in the market (AJ and Jain 2013). It has collaboration with fashion designer to bring new styles in products. The company has strong brand recognition. Although it has less number of employees compared to the competitors, it has well trained staffs. Currently the company has 11000 staffs across different stores. Quarterly revenue growth of the company is 17% and gross profit margin is US$997.17mn. Operating cash flow during 2016 is US$317.53 mn. Increasing stock value and revenue growth gives advantage to the Lululemon in the market. Inventory management system of the company is very strong (Ca.finance.yahoo.com, 2016). Figure: Growth statistics of Lululemon Athletic Inc (Source: Ca.finance.yahoo.com, 2016) The company faces challenges since 2013 regarding fall in revenues. Despite having more than 100 stores in US, this company has low brand recognition in U.S market. Limited global exposure is another weakness of the company. It has presence in some developing company, however, there is no such exposure in developed companies. During global slowdown, demand for Lululemon product is likely to decrease due high price (Azarian et al. 2014). The external environment such as political and legal factors affects the companys business performance. The company manufactures in Canada and United states however, depend on distribution channel in China, Peru, South Korea, Thailand and Vietnam etc. Changing environment of these countries affect the operational performance of the company (Monczka et al. 2015). In doing business US, Lululemon has faced challenge regarding California Transparency in Supply Chain Act of 2010. This act deals with human trafficking and slavery in supply chain. Internal trade laws have impact on the business of Lululemon. During economic crisis, consumers cut their spending on costly products. In order to coup up with changing economic environment, the company can provide differentiated product. In business process, the company has to maintain environmental standard of the economy in which it is operating. Reduction in paper usage, reducing packaging wastage in the office is strategy of the company for r eduction ecological footprint (Ganin 2014). Considering the external environment, the company has developed ivivva brand for children. In order to maintain global customer base, this company has developed the e-commerce business. The company has decided to launch new brand for men in different countries during 2016. Presently the company has strong brand recognition in womens apparel. Breaking the perception may give the company wider customer base (Lavrence and Lozanski 2014). The main advantage of Lululemons business level strategy is sustainability in the business model. Customer segmentation and product differentiation are core business strategy of Lululemon (Info.lululemon.com, 2016). It focuses on the health and fitness of the customers. This company provides yoga class to thee employees and customer to grow awareness. Executives of the company conduct direct market survey through visit in stores in order to observe consumer behaviour. Customers of the company are treated as guests rather than buyer (Monczka et al. 2015). There is different complaint and comment section, which receives and addresses the issues coming from customers. Therefore, building up good relation with customers facilitates the company to meet the customer needs and product development. The product design team analyse the market trends based on market research and intelligence (Hassan 2013). The company generates artificial scarcity in industry to keep demand high. The scarcity i s created by keeping low level of inventory. The artificial scarcity creates urge among the customers for new products. Therefore, when demand exceeds the supply, they release the stock in the market and the market clears before the expiration date. Products of the company are mostly technology driven. The business model of the company emphasises on own capabilities of product development. Helping customer in maintaining healthy lifestyle and stylish performance apparel is one of the business strategies of the company. The future strategy of the company is to increase sales of ivivva globally. Penetration in new market is a risk for the company (Vendemia 2015). Strong rivalry and growing competition in online retail market are also risks for the company. Duuring 2012-13 the company-faced challenges regarding ecommerce business. Sales fell during this period. Lululemon faced controversies regarding stocks valuation (blogs.ubc.ca 2013). At this period, the company faced serious quality issues, which caught media attention. Maintenance of high quality at premium price always remains business strategy of the company. Therefore, any news regarding quality issue is sensitive for the business of Lululemon (Chesbrough 2013). The business expansion in new market depends on economic and social structure of the country. Hence, demand, per capita income, infrastructure of the locality, demographic structure etc influence the business. Expansion of business depends on cultural aspects (Fernie and Sparks 2014). Market penetration may not be successful if there are cultural differences between the organisation and target economy. Hence, incorporation of dynamic culture in business model is recommended for the company to reach local customers. In th e competitive environment, creating scarcity may not be sustainable in future. Therefore, the innovative business model needs to be undertaken to reduce future risks. ; Conclusion The essay highlights the business strategy of Lululemon. This is a Canada based company; however, it has global presence. The company has strong brand recognition in Canada market. There is a scope for the company to expand business in the international market. The business model relies on the sustainability and maintaining premium quality product. This company has faced challenges regarding quality during 2012-13. Therefore, it experienced fall in sale during this time. After 2014, it started recovering by changing its market strategy. References A.J. and Jain, A.K., 2013.Crafting Executing Strategy 19/e: The Quest for Competitive Advantage: Concepts and Cases. McGraw-Hill Education. Azarian, R., Sociologiska institutionen, Stockholms universitet Samhllsvetenskapliga fakulteten 2014, "Trade-offs in choice of inter-firm transaction structure: A qualitative study of perceived comparative advantages of business relation over vertical integration",Journal of Sociology,vol. 50, no. 4, pp. 472-485. blogs.ubc.ca. (2013). lululemon athletica inc.. [online] Available at: https://blogs.ubc.ca/ssdong/files/2013/12/LULU-Stock-Report-eportfilio-1.pdf [Accessed 19 Aug. 2016]. Ca.finance.yahoo.com. (2016). LULU Key Statistics | lululemon athletica inc. Stock - Yahoo! Canada Finance. [online] Available at: https://ca.finance.yahoo.com/q/ks?s=LULU [Accessed 19 Aug. 2016]. Chesbrough, H., 2013.Open business models: How to thrive in the new innovation landscape. Harvard Business Press. DaSilva, C.M. and Trkman, P., 2014. Business model: What it is and what it is not.Long Range Planning,47(6), pp.379-389. Fernie, J. and Sparks, L., 2014.Logistics and retail management: emerging issues and new challenges in the retail supply chain. Kogan Page Publishers. Ganin, C., 2014. American Apparel, Crumbs Cupcakes, and Lululemon, Oh My-Examples of Why Increased Shareholder Invovlement Will Not Fix Corporate America.Ariz. L. Rev.,56, p.937. Hassan, D., 2013. Managing the business of sport.Managing the Business of Sport: An Introduction, p.446. Info.lululemon.com. (2016). Responsible Supply Chain | lululemon athletica. [online] Available at: https://info.lululemon.com/sustainability/responsible-supply-chain [Accessed 19 Aug. 2016]. Khan, I., 2016. Impact of Visual Merchandising on Consumer Buying Behavior: A Study on Retail Outlets.International Journal of Scientific Research,4(5). Lavrence, C. and Lozanski, K., 2014. This Is Not Your Practice Life: lululemon and the Neoliberal Governance of Self.Canadian Review of Sociology/Revue canadienne de sociologie,51(1), pp.76-94. McGrath, R.G., 2013.The end of competitive advantage: How to keep your strategy moving as fast as your business. Harvard Business Review Press. Thompson, A., Peteraf, M., Gamble, J., Strickland III, Monczka, R.M., Handfield, R.B., Giunipero, L.C. and Patterson, J.L., 2015.Purchasing and supply chain management. Cengage Learning. Seijts, G. and Gandz, J., 2013. Good leaders learn.Developing Leaders: Executive Education in Practice, pp.50-57. Vendemia, M.A., 2015.Seeing Is Believing? Perceptions of Interactivity in Company-Consumer Interactions on Social Networking Sites(Doctoral dissertation, The Ohio State University).

Wednesday, December 4, 2019

Legal Risk Management Faggs Mitre Store

Question: Discuss about the Legal Risk Managementfor Faggs Mitre Store. Answer: Introduction Faggs Mitre store is one of hardware stores which are under renovations on its interior as well as the exterior design and make of the outer warehouse. The project majors on the extension as well as some key refurbishment. According to the structural design of the contractor on the proposed design and blueprint, there be renovations on the hardware and garden centre, which will be done using timber. Consequently, there shall be an extension on the east side of the wing, which is the deliveries received and the dispatch area, using wood. According to the structural and contractors blueprint, there shall be renovations on the roof of the hardware on the pieces where they have been primarily affected. Extensions are also expected to be done on the ceiling bearing in mind that, there shall be extensions on the infrastructure, on the ground. From the formation of the idea in the mindset of oneself or a group of investors to the finalisation of construction of the being that existed in the minds of them, laws and regulations have to be followed to the later with all parties involved taking step by step. These rules and regulations lie under the construction laws, which is a branch of law which mainly deals with matters of building construction, engineering and other related fields. The law extends its role to covers the legal process that includes negligence, contract, liens and sureties (Cooke, et al, 2013). In Australia like any other country has legislations that would contribute and influence significantly the building and construction of the project at hand which is the Fagg store. This because they asset to govern the entire renovation and extension process, the relations of the employees, the safety and health of the employees as well as the disputes. The owner of the store will together with the architect submit the drafts of the extension and renovation process to the national building and construction department. At this juncture, the owner and the architect would be respecting the act of the federal building and construction act. The law stipulates that after the owner together with the articles has finalised on the draft of the plan, they will have to submit the blueprint to the department. At this point, if the design is approved by the officials then the owner may proceed to look for the builder. If the blueprint is not approved, then the owner together with the architects reviews on the design should submit same to the building department at the state offices for recommendations. Compliance with this law is paramount since the board cannot approve a building without the structural capacity to hold the desired number of people and stock that will be stored in it. Compliance with the act is also significance since the owner of the business will receive a blueprint of an approved building and the extensions hence no worries for future collapse. The other and very vital law to consider doing the process of building and construction is the tendering and procurement act. Although this is so much in the corporate business, in this case, the owner of the store has to follow all the laid down statutes and laws that control the tendering and procurement process. According to the act, the owner has the sole right out directly choosing the contractor, or by requesting all the contractors who feel they are fit for the position (Cooke, et al, 2013). The owner should at this point engage the public building and construction company so as to be able to distinguish and choose the best contractor fit for the renovations and extensions. In many cases, the social construction and building department will advocate consideration of the first contractor who did the first work so as to ensure they have a preview of the housing planning and the previous plans. The board will also give the bid to the highest bidder who has a lot of refines and co mpleted jobs. Some of the key legislation regarding such construction of the store includes the building and construction industry payment act. The act 2004 ensures that all the parties that are involved in the contractual chain of the whole development process are awarded the sufficient protection so as to receive the payment for the work they have undertaken. According to this law governing the construction period, then the owner and the contract who have agreed to work on the renovation of the store has to make sure that they negotiate on the terms of services and payment claims, schedules as well as periods for the payment disbursement (Forbes, et al, 2011). This is a substantive act, and law one has to consider at the early stages of the project so as to avert any case of the owner failing to pay for the work which has been done as well as the contractor failing to complete the work as expected and has been paid. There have been several cases in Australia where employers who offered contracts to some unscrupulous contractors who after receiving a lump of the money regarding the project at hand they never complete the construction of the building at a health risk. It is also important to have the relevant documents regarding as per the requirement of the building and construction industry payments act 2004, this is so at averting any incidence where the client would ask for escalation or in the case where the employee may request for escalation. The documents that are as per to the standards of the act will perform as prove and will cancel any attempt by both parties to work for escalation (Forbes, et al, 2011). Another legislation that is of much significance to the construction and renovations of this store is the sustainable planning act. Being a replacement of integrated planning Act 1997, the law highly seeks to manage any effect of the development on the environment (Walker, 2015). The law ensures that all the renovations and extensions to be carried out one the parts of the store are up to date with the regulations and code of environment and that there no adverse effects resulting from these developments. The law also seeks to ensure that the renovations and extensions process is up to the standard of the environmental guidelines and that there is no effect on the people living next to the store. The sustainable planning act is a significant act to review primarily for the owner of the warehouse so as to avert any scenario that would result after the construction of the extensions and renovations only to be told that the store is the health hazard and an environmental threat so it ca n only be demolished. At this point. The own may feel discouraged. The other key legislation is the work health and safety act 2011. The law allows the officials who have the permit to enter into any building and construction site immediately if they feel that there is a contravention occurring and has to provide a notice of their entry as soon as it is possible. This is a relevant act since the government will be able to monitor the process of the construction and renovations is up to standard. This would be a move and an advantage to the owner of the store since he or she will be assured of quality work in a relatively quick time when the contractors know they are being watched (Walker, 2015). The contractor of this project should also ensure that they uphold and adhere to the building and construction regulations on the plumbing and electrical installation in the store. This is so as to make sure that there is no event that the store will have electrical or plumbing problems. In any building and construction process of a residential and commercial building like the warehouse in our question, one needs to get into forms of contract. There are several types of contract that one may engage in which includes among others the lump sum contract, cost plus fixed fee contract and the lump sum and scheduled report among others. In this renovation, an extension of the store, the owner of the store could use the lump sum contract or the lump sum and scheduled contract. The lump sum contract spells out that the owner of the store agrees to the payment of a contractor specified amounts of money in a lump sum after the completion of work without any cost breakdown (McNeil, et al, 2015). This is a very high-risk contract as compared to the others since the contractor may do shoddy work or even fail to build as per the requirements of the blueprint. By this then the owner will be at a possible end to lose his or her funds to pay incomplete work. The other contract best for this is the lump sum and scheduled contract. According to this contract, the owner decides with the contractor on the total amount of pay he or she is going to pay him upon completion of the store. However the pay in broken-down as per the measurements (McNeil, et al, 2015). This type of contract has negative implications on the contractor since he or she might have spent a lot of time working at the same store but happens to complete fewer measurements, hence making lower amounts of money as compared to the other lump sum contract. References Aven, T., 2010.Risk management(pp. 121-158). Springer Berlin Heidelberg. Brook, M., 2012.Estimating and tendering for construction work. Routledge. Bunni, N.G., 2013.The FIDIC forms of contract. John Wiley Sons. Callahan, M.T., 2010.Construction delay claims. Aspen publishers. Chapman, R.J., 2011.Simple tools and techniques for enterprise risk management. John Wiley Sons. Cooke, B. and Williams, P., 2013.Construction planning, programming and control. John Wiley Sons. Friedman, L.M., 2011.Contract law in America: a social and economic case study. Quid Pro Books. Forbes, L.H. and Ahmed, S.M., 2011.Modern construction. CRC Press,. Harris, F. and McCaffer, R., 2013.Modern construction management. John Wiley Sons. Walker, A., 2015.Project management in construction. John Wiley Sons. Mahler, T., 2010. Legal risk management.Unpublished doctoral dissertation, University of Oslo. McNeil, A.J., Frey, R. and Embrechts, P., 2015.Quantitative risk management: Concepts, techniques and tools. Princeton university press.