La cobertura de canasta básica aplica para:

Desempleo Involuntario e Incapacidad Temporal por Accidente

¿Si la empresa para la que labora el trabajador dependiente se declara en quiebra y no indemniza al empleado por los años laborados, se estaría brindando la cobertura por desempleo involuntario?

No, porque no es un despido involuntario ya que la empresa se declara en quiebra y no indemniza al trabajador

Si, porque es un desempleo involuntario

aplicaría si la empresa no realizo la notificación de quiebra

PLAN PROTECCION DE PAGOS HONDURAS

Le vieillissement est l’ensemble des processus physiologiques et psychologiques qui modifient la structure et les fonctions de l’organisme à partir de l’âge mûr. Il résulte des effets combinés de facteurs génétiques et environnementaux auxquels est soumis l’organisme tout au long de sa vie. Il s’agit d’un processus lent et progressif qui est la conséquence de l’action du temps sur les fonctions de l’organisme. La sénescence est le processus de vieillissement biologique, la suite des changements irréversibles dans un organisme qui conduisent à la mort. Ce processus physiologique débute après la phase de maturité et se traduit par la dégradation progressive et inéluctable des fonctions vitales : reproduction, motricité, système immunitaire, etc. La sénilité est la détérioration pathologique (liée à une maladie) des facultés physiques et mentales d’un individu âgé. Il existe trois modalités différentes de vieillissement : le vieillissement réussi, avec une absence ou une atteinte minime des fonctions physiologiques et une absence de pathologies ; le vieillissement habituel, avec des atteintes considérées comme physiologiques, liées à l’âge, de certaines fonctions, mais sans pathologies invalidantes ; le vieillissement pathologique lié à des maladies sévères évolutives ou compliquées et responsable le plus souvent d’une dépendance importante. À ces trois notions, il est important d’ajouter la notion de fragilité qui correspond à un état d’équilibre précaire avec l’impossibilité de répondre de façon adaptée à un stress qu’il soit médical, psychologique ou social. Après 65 ans, 10 à 20% des personnes peuvent être considérées comme fragiles et jusqu’à 50% après 85 ans. Il s’agit de personnes à haut risque d’hospitalisation, d’institutionnalisation et de décès. Les psychologues décrivent 5 grands types de personnalité liés au vieillissement, plus ou moins présents chez chacun : le mature est actif, tolérant et il s’adapte parfaitement à son évolution ; le pantouflard est passif, indulgent envers lui-même et il utilise son âge pour valoriser son inactivité ; le blindé est mentalement rigide, il a peur de la déchéance et s’enferme dans ses souvenirs de jeunesse ; le mécontent est amer, intolérant et pessimiste, anxieux face à la mort ; il en veut au monde entier de son état et de ses échecs ; le déprécié est dépressif, insatisfait de sa vie, sans estime de soi et envahi de regrets sur le passé ; il envisage la mort comme une délivrance ou une finalité. La solitude a un effet important sur la santé. Si nous comparons des personnes âgées qui conservent un vaste réseau de relations sociales à d’autres qui sont isolées, ces dernières auraient un risque supérieur de mort prématurée. Parler et échanger avec les autres est essentiel au bien-être. Stimuler la mémoire d’une personne âgée lui permettra de conserver son autonomie et de retarder la dépendance. Pour rester en forme, le cerveau doit travailler de manière complète. Plusieurs activités peuvent donc permettre à la personne dépendante de garder une bonne mémoire le plus longtemps possible : tenir un agenda, rédiger un journal, jouer à des jeux ou encore pratiquer des activités de création. Pour stimuler l’activité sociale d’une personne âgée, faire des rencontres est le meilleur moyen de rester en forme : rencontrer des personnes, poursuivre les activités qu’on aime, se servir du téléphone et même d’internet si possible. Il y a des personnes âgées qui ne parlent à personne pendant des semaines. Pour d’autres, le contact se limite aux relations avec les caissières des supermarchés. Avec l’âge, certains de nos aînés sont murés dans le silence. Pas par choix. Mais parce que les liens familiaux se sont distendus ou n’existent plus. Ils se retrouvent alors seuls, sans échange, sans partage et sans affection. Un des grands défis à relever pour l’avenir est la lutte contre la solitude des personnes âgées. Il faut savoir que la solitude est désormais considérée comme un facteur de risque de la maladie d’Alzheimer. Lutter contre la solitude, c’est prévenir l’exclusion, la pauvreté et la perte d’autonomie. Quel est le secret pour préserver son corps malgré les années ? Un peu d’activité physique et des repas équilibrés ! Pour lutter contre l’apparition des rides ou la chute des cheveux et conserver ses capacités physiques et cognitives, mieux vaut surveiller son assiette. Inutile d’aller chercher des produits miracles pour rester jeune : il faut commencer par manger mieux! Car en fonction des aliments qu’on choisit, on préserve son capital santé et on garde la forme durant de longues années. Les problèmes alimentaires spécifiques au vieillissement apparaissent à des âges variables et sont beaucoup plus marqués après 85 ans. Une bonne nutrition a un rôle de prévention de mieux en mieux connu sur les pathologies liées à l’âge. Un bon régime pour un senior comprend beaucoup de fruits et de légumes, du pain, du riz, des pâtes et des fibres. Il ne faut pas oublier le poisson, surtout le thon, le saumon et les sardines, et limiter les viandes rouges, en préférant le poulet, la dinde ou le lapin. Il faut aussi réduire le sel et le sucre, et tous les aliments riches en graisses comme les frites, les fritures ou les gâteaux. L’eau est très importante, mais on peut aussi boire du thé, des jus de fruits sans sucre ou du lait écrémé ou demi – écrémé. Il faut aussi de la vitamine D pour garder les os en bonne santé. On peut la trouver dans le poisson, la margarine et les céréales du petit déjeuner. Le corps produit tout seul la vitamine D quand il est exposé au soleil, il est donc conseillé de profiter du soleil de temps en temps avec de la protection pour aider le corps à produire cette vitamine. Étape naturelle de la vie d’une femme, la ménopause mérite quelques attentions sur le plan nutritionnel à cause de la modification du statut hormonal. Beaucoup de femmes prennent du poids à la cinquantaine. Souvent tout simplement parce que leur mode de vie change, avec moins de dépenses physiques et plus de temps pour apprécier les plaisirs de la table ! Mais aussi parce que les transformations hormonales de la ménopause vont favoriser la mise en réserve de graisses. Le premier antidote contre ce risque de surpoids est une activité physique suffisante et, en complément, une alimentation allégée grâce à l’élimination des calories «inutiles». À éviter ou à consommer avec beaucoup de modération : les boissons sucrées comme les sodas, les bonbons, les biscuits salés ou sucrés, l’alcool sous toutes ses formes, les glaces et les pâtisseries, les plats riches en graisses, les frites et les fritures, les sauces classiques, la mayonnaise, les sauces barbecue et tous les laitages au lait entier. Les modifications hormonales et la diminution de l’activité physique ont également pour conséquence une “fonte” progressive de la masse musculaire. Pour lutter contre ce phénomène, il y a une seule solution : bouger !

Dès le début de vos recherches, vous allez collecter, produire et exploiter des données. La gestion des données (Research Data Management - RDM) fait partie du processus de recherche. Elle concerne l'ensemble des opérations de collecte, description, stockage, traitement, analyse, archivage et mise en accès des données. (extrait de : Passeport pour la Science Ouverte. Guide pratique pour les doctorants ) "La science ouverte est la diffusion sans entrave des publications et des données de la recherche. Elle s’appuie sur l’opportunité que représente la mutation numérique pour développer l’accès ouvert aux publications et – autant que possible – aux données de la recherche. "Les données de la recherche sont la matière première de la connaissance. Les partager, c'est ouvrir de nouvelles perspectives scientifiques" Source : Plan national pour la Science ouverte - Ministère ESR - Juillet 2018 Source image : https://bibliotheques.univ-tlse3.fr/file/composantes-science-ouverte Cette page est une introduction à la gestion des données de recherche. Elle présente quelques concepts et étapes clés pour vous engager dans cette démarche. Consultez les liens pour approfondir vos connaissances. • What are data ? Définition des données de recherche de l’OCDE (2007) « Enregistrements factuels (chiffres, textes, images, sons) utilisés comme source principale pour la recherche scientifique et généralement reconnus par la communauté scientifique comme nécessaires pour valider les résultats de la recherche. Un ensemble de données de recherche constitue une représentation systématique et partielle du sujet faisant l’objet de la recherche ». Exemples • les images d’une ville préhistorique deviennent des données pour un chercheur qui étudie l’histoire de cette ville; • les « données » d’un linguiste peuvent être des écrits ou des discours, des enregistrements de locuteurs ; • les « données » d’un médiéviste sont des sources archivistiques, archéologiques, épigraphiques, iconographiques, littéraires ; • les « données » d’un géologue rassemblent des coupes et observations de terrain consignées sur un carnet, des résultats de carottage, des analyses d’échantillons, des données sismographiques… • • Pourquoi partager ses données ? "La science ouverte vise à construire un écosystème dans lequel la science est plus cumulative, plus fortement étayée par des données, plus transparente, plus rapide et d’accès plus universel.La science ouverte favorise également les avancées scientifiques, particulièrement les avancées imprévues, ainsi que l’innovation, les progrès économiques et sociaux, en France, dans les pays développés et dans les pays en développement. Enfin, la science ouverte constitue un levier pour l’intégrité scientifique et favorise la confiance des citoyens dans la science. Elle constitue un progrès scientifique et un progrès de société." Source : Plan national pour la Science Ouverte (2018) Les enjeux de l'Open Data • enjeux patrimoniaux o preuve et mémoire (éviter les pertes de données) • enjeux économiques o valeur économique de la donnée o réutilisation gratuite ou payante des données, exploitation des résultats de recherches antérieures (éviter de refaire ce qui a déjà été validé), o accélération de l'innovation et le retour sur investissement dans la R&D • enjeux scientifiques o de "hypothesis-driven" à "data-driven" o plus de visibilité pour le scientifique • enjeux sociétaux o participation des citoyens et de la société civile : "Citizen science" o confiance en la recherche Pour aller plus loin • Site Doranum : https://doranum.fr/enjeux-benefices/fiche-synthetique/ • Adopter de bonnes pratiques tout au long du cycle de vie des données De bonnes pratiques de gestion à toutes les étapes du cycle de vie de la donnée sont un préalable indispensable à l’ouverture des données et à leur réutilisation. • Rechercher des données Pour identifier des jeux de données (datasets) pertinents pour votre thèse, des outils de recherche sont disponibles. Suivez ces liens pour les découvrir : • Site Doranum : https://doranum.fr/acces-visualisation/rechercher-donnees/ • Site DataCC - Vos besoins, trouver des données : https://www.datacc.org/vos-besoins/trouver-des-donnees/ • Fiche CoopIST : Trouver des jeux de données via des bases pluridisciplinaires et des moteurs de recherche Pensez-aussi à consulter l'entrepôt institutionnel Data INRAE Page de présentation du portail • Choisir les bons formats et bien organiser vos données  Choisir des formats de fichier : https://www6.inrae.fr/datapartage/Gerer/Choisir-des-formats-de-fichier  Nommer et organiser vos fichiers de données : https://www6.inrae.fr/datapartage/Gerer/Nommer-et-organiser-ses-fichiers-de-donnees Pour aller plus loin • Jaouen, G.- Gérer ses données. Pourquoi, Comment ? Séminaire - Guadeloupe, du 25 au 27 Novembre 2019 – CRAG INRA • Bien décrire et documenter ses données La description d’un jeu de données se fait à l’aide de métadonnées (*) qui doivent apporter suffisamment d'éléments (sur la collecte des données, les unités de mesure employées...) pour chercher et trouver le jeu de données, juger de sa qualité/fiabilité, et pouvoir le comprendre ou le réutiliser dans un autre contexte. (*) Définition des métadonnées : Ensemble d’informations structurées qui décrit, explicite, localise une ressource informationnelle, dans le but d’en faciliter la recherche, l’usage, et la gestion. Source : NISO. Understanding Metadata. 2004. Quelques liens utiles : • Site Doranum : https://doranum.fr/metadonnees-standards-formats/ • DataCC : https://www.datacc.org/vos-besoins/documenter-ses-donnees/metadonnees/ • Site DataPartage INRAE : https://www6.inrae.fr/datapartage/Gerer/Documenter-les-donnees En complément des métadonnées, la rédaction d'un fichier READ ME.txt est également recommandée. • Stocker, sécuriser, préserver ses données Bien différencier les notions de stockage et d'archivage. Anticiper pour déterminer les données à éliminer et celles qui doivent être préservées à long terme. • Dans l'environnement INRAE : https://www6.inrae.fr/datapartage/Gerer/Stocker-les-donnees • Site Doranum : https://doranum.fr/stockage-archivage/ • Site DataCC : https://www.datacc.org/vos-besoins/conserver-ses-donnees/ • Partager, ne pas partager ses données ? Dans le cadre de la Science Ouverte, il y a de plus en plus d'incitations voire d'exigences pour rendre accessibles les données, en particulier les données liées aux publications : • de l'édition scientifique : de plus en plus de revues adoptent une "data policy" (à consulter dans les instructions aux auteurs) et exigent des auteurs qu'ils fournissent les données associées aux publications, • des organismes de financement (ANR, Commission Européenne ...), • des politiques nationale (Plan national pour la Science ouverte - Ministère ESR - Juillet 2018) et institutionnelle. Mais attention, toutes les données ne sont pas partageables : assurez-vous que vos données sont bien diffusables au regard du droit et des conditions d'exercice de votre thèse et de son mode de financement (se reporter à votre contrat de thèse). Les données produites dans les organismes de recherche publics sont communicables à tous si elles n'entrent pas dans le cadre d'exceptions légales (sécurité défense, sécurité des populations, patrimoine scientifique et technique, données personnelles, données liées au secret, statistique, etc.) Liens utiles : • sur le site Data Partage, la page Partager-Publier ou la page : "Données de la recherche : qui a les droits, qui doit partager ?" • le site INRAE dédié à la protection des données personnelles et l'application du RGPD (Règlement général sur la protection des données) : https://intranet.inrae.fr/cil-dpo • Valoriser ses données Voici les principales voies de diffusion •  Partager ses données en les déposant dans un entrepôt  Choisir un entrepôt  Déposer dans Data INRAE  Partager ses données comme matériel supplémentaire d'un article (à la demande de l'éditeur)  Publier un Data Paper (article de données) : la meilleure voie en terme de visibilité des données, et pour faciliter leur réutilisation. Pour aller plus loin • Site Doranum o Dépôts et entrepôts. Comment et où déposer mes données ? o Data papers et Data journals. Comment publier mes données comme un article scientifique ? • Site DataCC o Valoriser ses données • Site CoopIST o Déposer des données de recherche dans un entrepôt o Rédiger et publier un data paper dans une revue scientifique A télécharger : Synthèse du processus de rédaction d'un article avec des données associées • Pourquoi ne pas rédiger un plan de gestion de données (PGD) pour votre thèse ? La thèse peut être assimilée à un projet et certaines universités au Royaume Uni, aux Pays-Bas et plus récemment en France préconisent la rédaction d'un plan de gestion associé à la thèse. Le PGD (ou DMP = Data Management Plan) est un outil de planification qui peut vous aider à anticiper et bien gérer toutes les étapes du cycle de vie de vos données, à limiter les risques de perte ou corruption de données, à adopter de bonnes pratiques de gestion, pour in fine produire des données respectueuses des principes FAIR, adoptés aujourd'hui par l'ensemble des acteurs de la recherche. Il est désormais exigé par la plupart des financeurs de la recherche (Commission Européenne et ANR ...) dans le cadre de projets financés. Rédiger un PGD pour votre thèse, peut être un bon exercice pour vous préparer à la future rédaction de réponses à des appels d'offre. Comment faire en pratique ? • Site DataPartage : Pourquoi et comment rédiger un plan de gestion de données ? • Site Doranum : https://doranum.fr/plan-gestion-donnees-dmp/, La minute vidéo PGD • Site DataCC : https://www.datacc.org/bonnes-pratiques/adopter-un-plan-de-gestion-des-donnees/ • Suivre une classe virtuelle INRAE : Open Class "Rédaction d'un PGD" • Produire des données FAIR ! Favoriser la production de données FAIR (Findable - Accessible - Interoperable - Reusable) est aujourd'hui un objectif soutenu par l'ensemble des acteurs de la recherche. Source : https://open-science-training-handbook.gitbook.io/book/ Si vous suivez les conseils et recommandations de cette page, vous avez toutes les chances d'avoir produit des données de qualité. Si vous préférez une version illustrée : "Pensez FAIR" - https://datapartage.inrae.fr/Gerer/Cycle-de-la-donnee Affiche cycle de vie des données réalisée dans le cadre des Missions QualiNous & RGPD, INRAE-ACT Vous pouvez tester le niveau de "Fairification" de vos données grâce à ces outils :  ARDC : https://ardc.edu.au/resources/working-with-data/fair-data/fair-self-assessment-tool • D'autres ressources pour se former ou s'autoformer En interne INRAE • Formation à la science ouverte OSCAR - Module "Gestion et partage des données" • Le site "Gestion et partage des données" • Des classes virtuelles d'environ 2h (Open Class) sont régulièrement proposées sur : o la rédaction des plans de gestion de données, o le dépôt et la description d'un jeu de données dans Data INRAE, o la rédaction et la publication de data papers, Sites externes • Le site DORANUM (Données de la Recherche : Apprentissage NUMérique à la gestion et au partage) propose un dispositif de formation à distance intégrant de nombreuses ressources d’auto-formation déclinées sur différents supports (textes, infographies, vidéos) et sur 9 thématiques. o Parcours interactif sur la gestion des données de la recherche (2020) o • Le site DataCC. Accompagnement à la gestion des données de recherche en physique et en chimie : https://www.datacc.org/ o Data Stories : https://www.datacc.org/reseau-datacc/data-stories/ o • Le dossier "Open Access & Open Data" réalisé par l'Ecole des Ponts - ParisTech • • The Open Science Training Handbook : https://www.ouvrirlascience.fr/the-open-science-training-handbook/

Travel Protection Plan and CFAR Quiz

Travel Protection Plan

Create me a multiple choice test questions with 4 options on the following topic:Consumer Education for Different Audience 1. Children and Youth: - Focus: Building foundational knowledge about basic consumer concepts, making safe choices, understanding money and value, and recognizing scams and unsafe situations. 2. Teens and Young Adults: - Focus: Building financial literacy, responsible debt management, understanding contracts and agreements, responsible technology use, online safety, and consumer rights. 3. Working Adults and Families: - Focus: Managing budgets, making informed purchasing decisions, understanding credit and debt, finding consumer protection resources, and navigating complex financial products (mortgages, insurance, investments). 4. Seniors: - Focus: Protecting themselves from scams and fraud, understanding common consumer issues like telemarketing, identity theft, and online scams, managing medications and healthcare costs, and accessing community resources. 5. Special Populations: - Focus: Adapting consumer education programs to the specific needs of people with disabilities, immigrants, refugees, and other marginalized communities. 6. Business and Industry:- Focus: Understanding ethical marketing practices, complying with consumer protection laws, and providing clear and accurate information to consumers. 7. Policymakers and Regulators: - Focus: Understanding consumer needs, developing effective consumer protection laws, enforcing regulations, and ensuring a fair and competitive marketplace. Adapting consumer education programs for children, teens, and seniors requires tailoring content and delivery methods to their unique needs and learning styles. Children (Ages 5-12): - Understanding the concept of money: Teaching children about saving, spending, and the value of money. - Developing basic budgeting skills: Helping children learn to make choices about how to spend their allowance or pocket money. EFFECTIVE STRATEGIES •Focus on basic concepts: Introduce core concepts like saving, spending, and budgeting in a fun and engaging way. Use simple language and relatable examples. •Real-life scenarios: Use age-appropriate scenarios to illustrate financial concepts, like buying toys or snacks. •Parental involvement: Encourage parent participation and provide resources to help them reinforce lessons at home. Teens (Ages 13-18): - Building budgeting and financial planning skills: Teaching teens how to manage their money, set financial goals, and plan for the future. - Navigating the digital marketplace: Equipping teens with the knowledge and skills to make safe and informed online purchases, understand digital marketing, and protect themselves from scams. EFFECTIVE STRATEGIES • Practical skills: Focus on skills relevant to teens, like managing money for social activities, saving for college, and understanding credit cards. • Digital literacy: Address the growing influence of online shopping, social media advertising, and financial scams. • Real-world applications: Connect financial concepts to real-life decisions teens make, like choosing a part-time job or making purchases online. Seniors (Ages 65+) - Managing retirement savings and healthcare costs: Providing information and resources on retirement planning, Medicare and Medicaid, and other healthcare options. - Navigating the digital world: Offering technology training and resources to help seniors access online services and information safely and securely. EFFECTIVE STRATEGIES • Addressing specific concerns: Focus on topics relevant to senior citizens, like retirement planning, managing healthcare expenses, and avoiding scams. • Clear and concise communication: Use simple language and visual aids to ensure easy understanding. • Social interaction: Create opportunities for seniors to share experiences and learn from each other. Teaching Financial Literacy in school and Communities In Schools: Curriculum Integration: Financial literacy concepts can be seamlessly integrated into existing subjects, making learning more relevant and engaging. - Math: Budgeting exercises, calculating interest rates, analyzing financial data, and understanding compound interest are all natural applications of math skills. - Social Studies: Exploring the history of money, financial institutions, economic systems, and the impact of financial decisions on society provide valuable context. - Economics: Discussions about supply and demand, inflation, investment, and the role of consumers in the economy enhance financial literacy. Dedicated Courses: Offering elective courses or workshops specifically focused on personal finance provides deeper dives into crucial topics. - Personal Finance: Cover budgeting, saving, investing, credit, debt management, and insurance. - Entrepreneurship: Introduce concepts like business planning, marketing, financial forecasting, and managing cash flow. In Communities: Community Centers and Libraries: Workshops, seminars, and classes tailored to adults and families provide accessible learning opportunities. - Financial Planning: Cover budgeting, retirement planning, debt management, and estate planning. - Homeownership: Provide guidance on buying, selling, and maintaining a home. - Consumer Protection: Educate individuals about their rights and how to avoid scams. Partnerships with Financial Institutions: Collaborations with banks, credit unions, and financial advisors offer valuable resources, workshops, and financial literacy programs. Consumer Education for Low-Income and Vulnerable Populations Low-income refers to individuals or households with limited financial resources, typically below a certain threshold. Low-income individuals may face challenges like: 1. Limited education and job opportunities 2. Poor living conditions and housing 3. Food insecurity and malnutrition Causes of low income: 1. Unemployment or underemployment 2. Low-paying jobs or minimum wage 3. Limited education or skills 4. Single parenthood or large family size Vulnerable population'' is a term that is used to describe a group of people who possess some sort of disadvantage. elderly people, people with low incomes, homeless people, people in prison, migrant workers, pregnant women, Family Consumer Education: Managing Household Finances and Resources Financial literacy is the ability to understand and manage personal finances effectively. 1. Debt Debt is money you spend that isn’t yours. If you borrow money from the bank, use a credit card, or take out a short-term loan, or a payday loan, you are accumulating debt. Good debt is considered money borrowed for things that are absolutely necessary for making a life e.g. a house and for advancing your money-making potential e.g. an education. Bad debt is considered borrowing money or using a credit card to pay for things you don’t need, such as expensive clothes, hi-tech electronics, eating out at restaurants, going on holidays, etc. 2. Saving Saving is an essential part of financial wellness, a secure present, and a happy future. 3. Budgeting Budgeting is the life skill of planning and managing your money. By understanding exactly where your money goes every month, you are empowered to create an actionable plan by which you can spend less, by curtailing those unnecessary expenses and saving more for the things you need and want. 4. Investing Investing is all about creating and growing the wealth you need to enjoy a financially secure and happy future. It’s about putting your money into something that will make you a profit over time, such as property, retirement funds, and unit trusts Integrating Consumer Education into the Home Economics Curriculum. Integrating consumer education into the home economics curriculum can provide students with essential skills for making informed choices about their personal finances, food, clothing, and overall well-being. Here are some strategies and ideas for effectively incorporating consumer education: Financial Literacy Budgeting: Teach students how to create and manage a personal budget, including setting financial goals, tracking expenses, and understanding savings. Saving and Investment: Cover the basics of saving, including different saving accounts, and introduce concepts related to investing. Food and Nutrition Food Label Literacy: Engage students in learning how to read and interpret food labels, including nutrition facts and ingredient lists. Grocery Shopping Skills: Teach students how to compare product costs, understand unit pricing, and make healthy, budget-friendly choices while shopping. Clothing and Textile Education Consumer Choices in Clothing:Discuss factors influencing clothing purchases, such as quality, price, and sustainability. Fashion and Trends: Analyze the impact of marketing and advertising on consumer behavior regarding clothing. Sustainable Purchasing Eco-Friendly Choices: Raise awareness about environmentally friendly products and the importance of sustainability in consumer choices. Project-Based Learning - Assign real-life projects where students must apply their knowledge, such as creating a meal plan within a budget, planning a shopping list based on nutrient needs, or evaluating the cost-effectiveness of different products. Technology Integration - Use technology to teach students about online shopping, price comparison websites, and apps that aid budgeting and financial planning. Collaborative Learning Opportunities - Organize team projects where students work together to solve consumer-related problems, emphasizing teamwork and communication skills. Assessment and Reflection - Incorporate assessments that allow students to reflect on what they have learned about consumer education and how they can apply these skills in their daily lives.

🧠 Game Objective: Agents analyze partial client profiles, then choose the best discovery questions to uncover the hidden insurance need. You’ll present: A brief, vague client case A list of potential fact-finding questions (mix of good/bad) The agent selects up to 5 questions Points are based on: How many “high-value” questions they choose Whether their questions align to the true need Bonus: If they uncover the hidden clue or issue (revealed after) 🎯 Quiz Format for Quizalize: Question Type: Multiple Select (choose up to 5) Scoring: 1 point per strong question, 0 or -1 for irrelevant/weak questions Bonus Reveal Slide: Show the full case need after each question 🔍 Sample Quizalize Scenario Set 🔹 Client Case #1: "James & April" James (38) is a freelance graphic designer. He and April (36) have one 3-year-old child. They just moved into their first home with a $400k mortgage. James doesn’t currently have employer benefits. April works part-time and doesn’t have group coverage. Question Prompt: Choose up to 5 questions to uncover James and April’s real protection need. Answer Options: ✅ What income would April need if you weren’t here to support your family? ✅ Do you have any existing life insurance or savings to cover the mortgage? ✅ How long would you want your family financially protected if something happened to you? ✅ Do either of you have any disability coverage? ✅ Would you want your child’s future education covered if something happened? ❌ How much do you currently pay for car insurance? ❌ Do you see yourself buying another house soon? ❌ What’s your favorite thing about your neighborhood? ✅ Hidden Need: Income replacement + mortgage protection for a non-benefits freelancer. 🔹 Client Case #2: "Rosa" Rosa is 29 and single. She recently got a promotion, moved into a new apartment, and is paying off $45k in student loans. She loves to travel and has no dependents. Answer Options: ✅ If something happened to you, who would take care of your student loans or final expenses? ✅ Do you have any emergency savings or a safety net? ✅ Would you be interested in locking in permanent coverage while you're young and healthy? ✅ Do your parents or anyone else rely on you financially, even occasionally? ❌ Are you planning to have children in the next 6 months? ❌ Do you want a pet in the next year? ❌ Do you have renter’s insurance? ✅ Hidden Need: Final expense coverage + early whole life for cash value & lock-in pricing. 🔹 Client Case #3: "The Smith Family" Mark (45) and Tasha (42) have two teenagers, ages 13 and 16. Mark makes $120k as a consultant; Tasha runs their household. They just finished paying off a second mortgage. They’re “starting to think about college and retirement.” Answer Options: ✅ Would you want the kids’ college plans funded if something happened to you? ✅ Do you have enough coverage to protect your spouse’s lifestyle if your income stopped? ✅ Have you considered combining life protection with cash value to support future goals? ✅ How are you currently saving for retirement? ❌ Have you started planning your estate yet? ❌ Do you plan on buying another property this year? ✅ Hidden Need: Blended whole/term strategy for income replacement and cash value for college/retirement. 🎮 Bonus Twist Slide (after each case): 💥 Hidden Need Revealed! Here’s what many missed: James has no group benefits — he needs full protection as a freelancer.

I. Introduction: A. Welcome and Purpose of Training Welcome to the ABA Clinic Fire and Evacuation Safety Training. The purpose of this training is to ensure the safety and well-being of everyone in the clinic by preparing staff for effective response to fire emergencies and evacuation situations. B. Importance of Evacuation and Fire Safety Understanding the gravity of evacuation and fire safety is paramount. Compliance with safety standards not only meets regulatory requirements but also safeguards the lives of our clients, staff, and visitors. II. Overview of Fire Safety Standards: A. Explanation of Relevant Fire Safety Codes and Standards Our clinic strictly adheres to [Insert Relevant Fire Safety Codes and Standards], including guidelines from the National Fire Protection Association (NFPA) and local fire authorities. Familiarity with these standards is essential for maintaining a safe environment. B. Importance of Compliance Compliance with fire safety standards is a commitment to the well-being of our community. It sets the foundation for a secure and prepared clinic, ensuring a proactive approach to fire safety. III. Fire Prevention Measures: A. Identifying Fire Hazards in the Clinic Regular inspections, conducted quarterly, will identify potential fire hazards, including faulty wiring, overheating equipment, or improperly stored flammable materials. Staff is encouraged to report any potential hazards immediately. B. Proper Storage of Flammable Materials Flammable materials are stored in designated areas equipped with fire-resistant cabinets and safety measures. These areas are clearly marked, and staff is trained on proper storage procedures. C. Electrical Safety Tips Staff is trained to recognize and report any electrical issues promptly. Furthermore, electrical equipment undergoes regular maintenance checks to prevent electrical fires. D. Smoking Policy Smoking is strictly prohibited within the clinic premises. Designated smoking areas, equipped with fire-resistant receptacles, are provided outside the building, ensuring compliance with safety regulations. IV. Emergency Communication: A. Overview of Communication Systems Our clinic utilizes a robust communication system, including intercoms and a mass notification system, to relay emergency information promptly to all staff members. B. Designation of Emergency Contacts Emergency contact information for all staff members is regularly updated. Designated individuals are responsible for initiating emergency communication and ensuring all staff are informed. C. Internal Communication Protocols Clear internal communication protocols are established, outlining the chain of command and communication channels during emergency situations. Staff members are familiarized with these protocols during onboarding. V. Evacuation Procedures: A. Evacuation Routes Evacuation routes are clearly marked throughout the clinic, indicating the shortest and safest paths to exit points. These routes are reviewed annually and updated as needed. B. Emergency Exits and Assembly Points Staff is familiarized with the location of emergency exits and assembly points during regular drills. These drills, conducted quarterly, ensure that all staff are well-practiced in evacuation procedures. C. Evacuation Drills Evacuation drills are conducted quarterly, simulating various emergency scenarios. These drills include scenarios involving individuals with special needs, ensuring staff are equipped to assist everyone during evacuations. D. Assistance for Individuals with Special Needs Staff members receive specialized training on providing assistance to individuals with special needs during evacuations. This includes utilizing evacuation chairs, providing verbal guidance, and ensuring a calm and supportive approach. VI. Fire Extinguisher Training: A. Types of Fire Extinguishers Staff is trained on the different types of fire extinguishers available in the clinic, including ABC and CO2 extinguishers. Training includes recognizing the appropriate use for each type. B. Proper Use and Handling Hands-on demonstrations are provided to staff, allowing them to practice the proper use and handling of fire extinguishers. Emphasis is placed on safety precautions, including maintaining a safe distance and using the PASS method (Pull, Aim, Squeeze, Sweep). C. Location of Fire Extinguishers in the Clinic A map indicating the locations of all fire extinguishers is prominently displayed throughout the clinic. Staff is familiarized with these locations during training sessions. VII. Emergency Response Team: A. Designation of Emergency Response Team Members An Emergency Response Team is designated, comprising individuals from different departments. Team members receive specialized training and are identified by distinctive vests during emergencies. B. Roles and Responsibilities Clear roles and responsibilities for Emergency Response Team members are outlined in the Emergency Response Plan. This includes responsibilities such as assisting with evacuations, providing first aid, and coordinating with emergency services. C. Training for First Aid and CPR Emergency Response Team members receive regular training in first aid and CPR. Training sessions are conducted semi-annually to ensure team members are proficient in life- saving techniques. VIII. Mock Scenarios: A. Conducting Simulated Fire Drills Simulated fire drills are conducted quarterly, involving all staff members. These drills include various fire scenarios, such as small fires, smoke-filled areas, and evacuations of different areas within the clinic. B. Addressing Various Emergency Scenarios Staff members engage in discussions and practical exercises addressing various emergency scenarios, fostering a proactive mindset. Scenarios include power outages, medical emergencies, and coordination with external emergency services. C. Feedback and Improvement Strategies Feedback from drills is collected and analyzed to identify areas for improvement. Regular meetings are held to discuss feedback and implement necessary changes to enhance emergency response strategies. IX. Documentation and Record-Keeping: A. Importance of Documentation Accurate and detailed documentation of all safety-related activities is maintained, including inspection reports, drill records, and incident reports. This documentation is crucial for compliance and continuous improvement. B. Incident Reporting Procedures Staff is trained on the proper procedures for reporting incidents. Incident reports include details such as the nature of the incident, individuals involved, and actions taken. A designated individual reviews and addresses incident reports promptly. C. Regular Audits and Reviews Regular audits and reviews of safety procedures are conducted annually by an external safety consultant. This ensures that the clinic's safety protocols align with the latest standards and identifies areas for continuous improveme

“There’s No Such Thing as Sound Science” by By Christie Aschwanden was a lead science writer for FiveThirtyEight. FiveThirtyEight, Science, Dec. 6, 2017 Science is being turned against itself. For decades, its twin ideals of transparency and rigor have been weaponized by those who disagree with results produced by the scientific method. Under the Trump administration, that fight has ramped up again. In a move ostensibly meant to reduce conflicts of interest, Environmental Protection Agency Administrator Scott Pruitt has removed a number of scientists from advisory panels and replaced some of them with representatives from industries that the agency regulates. Like many in the Trump administration, Pruitt has also cast doubt on the reliability of climate science. For instance, in an interview with CNBC, Pruitt said that “measuring with precision human activity on the climate is something very challenging to do.” Similarly, Trump’s pick to head NASA, an agency that oversees a large portion the nation’s climate research, has insisted that research into human influence on climate lacks certainty, and he falsely claimed that “global temperatures stopped rising 10 years ago.” Kathleen Hartnett White, Trump’s nominee to head the White House Council on Environmental Quality, said in a Senate hearing last month that she thinks we “need to have more precise explanations of the human role and the natural role” in climate change. The same entreaties crop up again and again: We need to root out conflicts. We need more precise evidence. What makes these arguments so powerful is that they sound quite similar to the points raised by proponents of a very different call for change that’s coming from within science. This other movement strives to produce more robust, reproducible findings. Despite having dissimilar goals, the two forces espouse principles that look surprisingly alike: Science needs to be transparent. Results and methods should be openly shared so that outside researchers can independently reproduce and validate them. The methods used to collect and analyze data should be rigorous and clear, and conclusions must be supported by evidence. These are the arguments underlying an “open science” reform movement that was created, in part, as a response to a “reproducibility crisis” that has struck some fields of science.1 But they’re also used as talking points by politicians who are working to make it more difficult for the EPA and other federal agencies to use science in their regulatory decision-making, under the guise of basing policy on “sound science.” Science’s virtues are being wielded against it. What distinguishes the two calls for transparency is intent: Whereas the “open science” movement aims to make science more reliable, reproducible and robust, proponents of “sound science” have historically worked to amplify uncertainty, create doubt and undermine scientific discoveries that threaten their interests. “Our criticisms are founded in a confidence in science,” said Steven Goodman, co-director of the Meta-Research Innovation Center at Stanford and a proponent of open science. “That’s a fundamental difference — we’re critiquing science to make it better. Others are critiquing it to devalue the approach itself.” Calls to base public policy on “sound science” seem unassailable if you don’t know the term’s history. The phrase was adopted by the tobacco industry in the 1990s to counteract mounting evidence linking secondhand smoke to cancer. A 1992 Environmental Protection Agency report identified secondhand smoke as a human carcinogen, and Philip Morris responded by launching an initiative to promote what it called “sound science.” In an internal memo, Philip Morris vice president of corporate affairs Ellen Merlo wrote that the program was designed to “discredit the EPA report,” “prevent states and cities, as well as businesses from passing smoking bans” and “proactively” pass legislation to help their cause. The sound science tactic exploits a fundamental feature of the scientific process: Science does not produce absolute certainty. Contrary to how it’s sometimes represented to the public, science is not a magic wand that turns everything it touches to truth. Instead, it’s a process of uncertainty reduction, much like a game of 20 Questions. Any given study can rarely answer more than one question at a time, and each study usually raises a bunch of new questions in the process of answering old ones. “Science is a process rather than an answer,” said psychologist Alison Ledgerwood of the University of California, Davis. Every answer is provisional and subject to change in the face of new evidence. It’s not entirely correct to say that “this study proves this fact,” Ledgerwood said. “We should be talking instead about how science increases or decreases our confidence in something.” The tobacco industry’s brilliant tactic was to turn this baked-in uncertainty against the scientific enterprise itself. While insisting that they merely wanted to ensure that public policy was based on sound science, tobacco companies defined the term in a way that ensured that no science could ever be sound enough. The only sound science was certain science, which is an impossible standard to achieve. “Doubt is our product,” wrote one employee of the Brown & Williamson tobacco company in a 1969 internal memo. The note went on to say that doubt “is the best means of competing with the ‘body of fact’” and “establishing a controversy.” These strategies for undermining inconvenient science were so effective that they’ve served as a sort of playbook for industry interests ever since, said Stanford University science historian Robert Proctor. The sound science push is no longer just Philip Morris sowing doubt about the links between cigarettes and cancer. It’s also a 1998 action plan by the American Petroleum Institute, Chevron and Exxon Mobil to “install uncertainty” about the link between greenhouse gas emissions and climate change. It’s industry-funded groups’ late-1990s effort to question the science the EPA was using to set fine-particle-pollution air-quality standards that the industry didn’t want. And then there was the more recent effort by Dow Chemical to insist on more scientific certainty before banning a pesticide that the EPA’s scientists had deemed risky to children. Now comes a move by the Trump administration’s EPA to repeal a 2015 rule on wetlands protection by disregarding particular studies. (To name just a few examples.) Doubt merchants aren’t pushing for knowledge, they’re practicing what Proctor has dubbed “agnogenesis” — the intentional manufacture of ignorance. This ignorance isn’t simply the absence of knowing something; it’s a lack of comprehension deliberately created by agents who don’t want you to know, Proctor said.2 In the hands of doubt-makers, transparency becomes a rhetorical move. “It’s really difficult as a scientist or policy maker to make a stand against transparency and openness, because well, who would be against it?” said Karen Levy, researcher on information science at Cornell University. But at the same time, “you can couch everything in the language of transparency and it becomes a powerful weapon.” For instance, when the EPA was preparing to set new limits on particulate pollution in the 1990s, industry groups pushed back against the research and demanded access to primary data (including records that researchers had promised participants would remain confidential) and a reanalysis of the evidence. Their calls succeeded and a new analysis was performed. The reanalysis essentially confirmed the original conclusions, but the process of conducting it delayed the implementation of regulations and cost researchers time and money. Delay is a time-tested strategy. “Gridlock is the greatest friend a global warming skeptic has,” said Marc Morano, a prominent critic of global warming research and the executive director of ClimateDepot.com, in the documentary “Merchants of Doubt” (based on the book by the same name). Morano’s site is a project of the Committee for a Constructive Tomorrow, which has received funding from the oil and gas industry. “We’re the negative force. We’re just trying to stop stuff.” Some of these ploys are getting a fresh boost from Congress. The Data Quality Act (also known as the Information Quality Act) was reportedly written by an industry lobbyist and quietly passed as part of an appropriations bill in 2000. The rule mandates that federal agencies ensure the “quality, objectivity, utility, and integrity of information” that they disseminate, though it does little to define what these terms mean. The law also provides a mechanism for citizens and groups to challenge information that they deem inaccurate, including science that they disagree with. “It was passed in this very quiet way with no explicit debate about it — that should tell you a lot about the real goals,” Levy said. But what’s most telling about the Data Quality Act is how it’s been used, Levy said. A 2004 Washington Post analysis found that in the 20 months following its implementation, the act was repeatedly used by industry groups to push back against proposed regulations and bog down the decision-making process. Instead of deploying transparency as a fundamental principle that applies to all science, these interests have used transparency as a weapon to attack very particular findings that they would like to eradicate. Now Congress is considering another way to legislate how science is used. The Honest Act, a bill sponsored by Rep. Lamar Smith of Texas,3 is another example of what Levy calls a “Trojan horse” law that uses the language of transparency as a cover to achieve other political goals. Smith’s legislation would severely limit the kind of evidence the EPA could use for decision-making. Only studies whose raw data and computer codes were publicly available would be allowed for consideration. That might sound perfectly reasonable, and in many cases it is, Goodman said. But sometimes there are good reasons why researchers can’t conform to these rules, like when the data contains confidential or sensitive medical information.4 Critics, which include more than a dozen scientific organizations, argue that, in practice, the rules would prevent many studies from being considered in EPA reviews.5 It might seem like an easy task to sort good science from bad, but in reality it’s not so simple. “There’s a misplaced idea that we can definitively distinguish the good from the not-good science, but it’s all a matter of degree,” said Brian Nosek, executive director of the Center for Open Science. “There is no perfect study.” Requiring regulators to wait until they have (nonexistent) perfect evidence is essentially “a way of saying, ‘We don’t want to use evidence for our decision-making,’” Nosek said. Most scientific controversies aren’t about science at all, and once the sides are drawn, more data is unlikely to bring opponents into agreement. Michael Carolan, who researches the sociology of technology and scientific knowledge at Colorado State University, wrote in a 2008 paper about why objective knowledge is not enough to resolve environmental controversies. “While these controversies may appear on the surface to rest on disputed questions of fact, beneath often reside differing positions of value; values that can give shape to differing understandings of what ‘the facts’ are.” What’s needed in these cases isn’t more or better science, but mechanisms to bring those hidden values to the forefront of the discussion so that they can be debated transparently. “As long as we continue down this unabashedly naive road about what science is, and what it is capable of doing, we will continue to fail to reach any sort of meaningful consensus on these matters,” Carolan writes. The dispute over tobacco was never about the science of cigarettes’ link to cancer. It was about whether companies have the right to sell dangerous products and, if so, what obligations they have to the consumers who purchased them. Similarly, the debate over climate change isn’t about whether our planet is heating, but about how much responsibility each country and person bears for stopping it. While researching her book “Merchants of Doubt,” science historian Naomi Oreskes found that some of the same people who were defending the tobacco industry as scientific experts were also receiving industry money to deny the role of human activity in global warming. What these issues had in common, she realized, was that they all involved the need for government action. “None of this is about the science. All of this is a political debate about the role of government,” she said in the documentary. These controversies are really about values, not scientific facts, and acknowledging that would allow us to have more truthful and productive debates. What would that look like in practice? Instead of cherry-picking evidence to support a particular view (and insisting that the science points to a desired action), the various sides could lay out the values they are using to assess the evidence. For instance, in Europe, many decisions are guided by the precautionary principle — a system that values caution in the face of uncertainty and says that when the risks are unclear, it should be up to industries to show that their products and processes are not harmful, rather than requiring the government to prove that they are harmful before they can be regulated. By contrast, U.S. agencies tend to wait for strong evidence of harm before issuing regulations. Both approaches have critics, but the difference between them comes down to priorities: Is it better to exercise caution at the risk of burdening companies and perhaps the economy, or is it more important to avoid potential economic downsides even if it means that sometimes a harmful product or industrial process goes unregulated? In other words, under what circumstances do we agree to act on a risk? How certain do we need to be that the risk is real, and how many people would need to be at risk, and how costly is it to reduce that risk? Those are moral questions, not scientific ones, and openly discussing and identifying these kinds of judgment calls would lead to a more honest debate. Science matters, and we need to do it as rigorously as possible. But science can’t tell us how risky is too risky to allow products like cigarettes or potentially harmful pesticides to be sold — those are value judgements that only humans can make.

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