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T-CAS
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1. Laquelle des formes juridiques suivantes offre la meilleure protection du patrimoine personnel de l'entrepreneur ? a) Entreprise individuelle b) SociÃĐtÃĐ c) Association de fait d) Aucune de ces rÃĐponses 2. Quel est l'inconvÃĐnient majeur de l'entreprise individuelle ? a) DifficultÃĐ de crÃĐation b) RÃĐgime fiscal complexe c) ResponsabilitÃĐ illimitÃĐe de l'entrepreneur d) ImpossibilitÃĐ d'avoir des employÃĐs 3. Laquelle des affirmations suivantes concernant la sociÃĐtÃĐ est vraie ? a) Elle n'a pas d'existence juridique propre. b) Le patrimoine des associÃĐs est confondu avec celui de la sociÃĐtÃĐ. c) Elle peut poursuivre ses activitÃĐs mÊme aprÃĻs le dÃĐcÃĻs d'un associÃĐ. d) Elle est toujours soumise à l'impÃīt sur le revenu des personnes physiques. 4. Dans une association de fait, que se passe-t-il en cas de mauvaise gestion financiÃĻre de l'un des associÃĐs ? a) Seul l'associÃĐ responsable est tenu de rembourser les dettes. b) Tous les associÃĐs sont solidairement responsables des dettes. c) L'association est automatiquement dissoute. d) Un tribunal dÃĐsigne un administrateur judiciaire pour gÃĐrer les finances. 5. Lequel des ÃĐlÃĐments suivants est un avantage de la sociÃĐtÃĐ par rapport à l'entreprise individuelle ? a) SimplicitÃĐ de crÃĐation et de gestion b) ResponsabilitÃĐ limitÃĐe des associÃĐs c) ContrÃīle total et dÃĐcisions unilatÃĐrales d) FiscalitÃĐ moins avantageuse 6. Qu'est-ce qu'une personne morale ? a) Un individu exerçant une activitÃĐ commerciale en son nom propre b) Une entitÃĐ juridique distincte de ses membres, dotÃĐe de droits et d'obligations c) Un contrat par lequel deux personnes s'engagent à mettre en commun des biens ou leur travail d) Une forme d'entreprise rÃĐservÃĐe aux professions libÃĐrales 7. Laquelle des affirmations suivantes est vraie concernant l'association de fait ? a) Elle nÃĐcessite la crÃĐation d'une personne morale. b) Elle offre une protection du patrimoine personnel des participants. c) Elle peut Être considÃĐrÃĐe comme une entreprise si elle verse des bÃĐnÃĐfices à ses membres. d) Elle est soumise aux mÊmes obligations comptables que les sociÃĐtÃĐs. 8. Quel est l'un des avantages de la sociÃĐtÃĐ en matiÃĻre de continuitÃĐ d'activitÃĐ ? a) Elle est dissoute automatiquement au dÃĐcÃĻs de son fondateur. b) Elle peut Être facilement transmise aux hÃĐritiers en cas de dÃĐcÃĻs d'un associÃĐ. c) Elle cesse son activitÃĐ si un associÃĐ dÃĐcide de se retirer. d) Elle doit Être liquidÃĐe en cas d'incapacitÃĐ de travail d'un associÃĐ. 9. Lequel des critÃĻres suivants peut influencer le choix entre une entreprise individuelle et une sociÃĐtÃĐ ? a) Le montant du capital initial b) Le nombre d'employÃĐs c) Le secteur d'activitÃĐ d) La volontÃĐ de protÃĐger son patrimoine personnel 10. Quel est l'un des risques majeurs liÃĐs à l'absence de sÃĐparation des patrimoines dans l'entreprise individuelle ? a) La responsabilitÃĐ limitÃĐe de l'entrepreneur b) La saisie du patrimoine personnel en cas de dettes de l'entreprise c) L'impossibilitÃĐ de dÃĐduire les charges professionnelles de ses revenus d) La difficultÃĐ d'obtenir un financement bancaire [t comes from the GREEK name "Epilepsia" which means "taking hold of or seizing". - It is a disorder characterized by: recurrent seizures. SEIZURES R ectment transient attacks of: R epresent: R esult from: ASSOCIATED WITH: somatic, psychic, or, autonomic clinical featmes. clinical features of abnormally hyperexcitable cortical neurons. paroxvsmal and excessive electrical neuronal discharges. EEG changes & may be disturbance of consciousness. same causes of convulsions 1. Idiopathic epile~ âĒ It is the commonest cause. no cause can be detected ( 65 % ) âĒ It may be associated with positive family history in some cases. âĒ It starts in the l st & 2nd decades in the form of: -- Grand ma! epilepsy. Petit mal epilepsy. Myoclonic epilepsy. Atonic seizures. 2. Secondary epilepsy A. Local causes in the brain: l. Congenital: 2. Traumatic: cerebral palsy. a cause can be detected cerebral contusion or laceration. 3. Inflammatory: 4. Neoplastic: 5. Degenerative: 6. Vascular: encephalitis, brain tumours. mening1t1s, presenile dementia. brain abscess. stroke (especially hemon-hagic), hypertensive encephalopathy. B. General causes with secondary effects on the brain: I. Toxic: 2. Iatrogenic: 3. Metabolic: 4. Endocrinal: 5. Organ failure: 6. Heart disease: 7. Nutritional: - Alcohol, cocaine, lead. - Lidocaine, INH. - j glucose & ! glucose. - Hypoparathyroidism. - Hepatic failme. - Adam's Stoke's attacks. - Pellagra. - Botulism, tetanus. - Ambilhar, Amphetamine, Aminophylline. - j Ca & ! Ca. - Hype1thyroid crisis. - Renal failure. - Fallot's tetralogy. - j Na & ! Na. - Vitamin B6 deficiency. 8. Physical: 9. HYSTERICAL. - High fevers. - Heat stroke. 136 137 CLINICAL PICTURE 1. GENERALISED SEIZURES " Excessive electrical discharges from cortical neurons in BOTH hemispheres simultaneously " I. II. 1. Grand Mal Epile~: 1. Pre-ictal stage "attacks of tonic-clonic convulsions " (aura) It is a warning sign of a coming attack. It may be: âĒ Somatic: âĒ Psychic: âĒ Autonomic: 2. Ictal stage Myoclonus, Hallucinations. Tachycardia, (seizure) Sudden loss of consciousness: Parasthesias. Sweating. for seconds to minutes. -- Tonic phase (few seconds) o The UL & LL: o o o o The HEAD: The JAWS: CYANOSIS: are extended. is retracted to one side & the eye balls rolled up. are firmly clenched, with biting of the TONGUE. due to impaired respiration. There may be incontinence of urine. Clonic phase (few minutes) o The UL & LL: o The HEAD: 3. Post-ictal stage - It may be: âĒ Somatic: âĒ Psychic: âĒ Autonomic: Drug of choice: contract & relax repeatedly & rapidly. jerks forcibly. (sequelae) Todd's paralysis(< 24 hours, due to neuronal exhaustion). Confusion. Vomiting. Carbamazepine (Tegretol) or Phenytoin (Epanutin) Petit Mal Epilepsy: "attacks of loss of consciousness " " Absence " It starts in childhood & improves at puberty & usually disappears at the age of 20. 2. It is NOT PRECEEDED by aura & NOT FOLLOWED by sequelae. 3. It is usually PRECIPITATED by: hyperventilation 4. It is characterized by: or photic stimulation. sudden loss of consciousness of short duration (few seconds). 5. It may be associated with: âĒ High frequency ( 50 attacks / day). âĒ Falling to the ground without warning. âĒ Jerky movements of the head & UL Drug of choice: (myoclonic petit mal). Valproate (Depakine) or Succinimide (Zarontin) 137 138 Ill. M oclonic Seizures: "attacks of involuntary clonic movements " - It is characterized by: sudden, jerky, shock-like INVOLUNTARY muscle contraction. âĒ The jerks are bilateral contractions, mainly of the shoulders and arms. âĒ However, some patients repmtjerking in the lower limbs, trunk, or head. - It may be of 2 types: - Occurs singly âĒ Simple: âĒ As a pait of: I Drug of choice: IV. Atonic seizures: (no loss of consciousness). - Grand mal epilepsy (aura). - Petit mal epilepsy. Valproate (Depakine) or Clonazepam (Rivotril) I - Transient attacks of brief loss of postural tone, often resulting in falls and injuries. 2. PARTIAL SEIZURES "Excessive electrical discharges from cmtical neurons in a ce1tain area in ONE hemisphere" A. Simple seizures: " No disturbance in consciousness " - The CP depends on the site of the hyperexcitable neurones in the cerebral cortex, whether in: "Motor area or Senso,y areas". 1. Motor fits: âĒ Focal fits: âĒ Motor jacksonian fits: 2. General Sensory fits: âĒ Focal fits: âĒ Sensory jacksonian fits: 3. Special Senso1y fits: âĒ Visual hallucinations: âĒ Auditory hallucinations: âĒ Olfactory hallucinations: B. Complex seizures: - SITE: movement of part of a limb or the whole limb. movement of one side of the body (see before). parasthesia of part of a limb or the whole limb. parasthesia of one side of the body (see before). irritation of the visual sensory area. irritation of the auditory sensory area. initation of the uncus. " disturbance in consciousness " The hyperexcitable neurons are in the Temporal lobe "Temporal lobe epilepsy". - DURATION: The seizure lasts few seconds to few minutes. - The seizure starts with A ura, followed by A bsence, Automatism, Amnesia: 1. 2. 3. 4. A ura: A bsence: Automatism: A mnesia: Olfactory hallucinations, Deja-vu phenomenon, Sensation of fear. Absent patient with staring eyes (with no response to conversation). Involuntary Purposeless acts: motor ( eg, lip smacking, chewing) or verbal. No recalling of the seizure. 138 139 3. PARTIAL SEIZURES ~ GENERALISED SEIZURES " Partial seizures may spread to involve the whole brain .- secondarily generalised seizures " . HY-sterical epilepsY âĒ Usually: âĒ The cause: âĒ Incidence: young neurotic Sj2 . psychological & there is no organic lesion. usually occurs in the presence of people. âĒ It is associated with: âĒ EEG: âĒ It is not associated with: normal. âĒ Missed ttt. âĒ Menses. âĒ Alkalosis. anxiety, palpitaion & hyperventilation. tongue biting or incontinence of urine. âĒ Alcohol use & Drug abuse ( e.g. cocaine ). âĒ S timulation by photons & Hyperventilation. âĒ S leep deprivation & Stress & sudden withdrawal of antiepileptic drngs. INVESTIGATIONS 1. EEG: âĒ It is the most specific test for epilepsy because it records the electrical activity of the brain. âĒ It shows specific pattern: 2. LOCAL INVESTIGATIONS: "Epilepsy waves". "CT & MRI of the brain" âĒ To identify or exclude a LOCAL CAUSE of seizures in the brain. 3. GENERAL INVESTIGATIONS: "Laboratory investigations" âĒ To search for a GENERAL CAUSE of seizures, e.g. blood glucose. 139 140 TREATMENT A. General Measures: 1. 2. Moderation of the patient's physical activity. A void the precipitating factors ( Alcohol, hyperventilation, photic stimulation ...... ). 3. A ketogenic diet is encouraged because it will induce acidosis: - Acidosis is beneficial as it raises the threshold of stimulation of the brain cells. B. Specific Treatment: 2. 1. Treatment of the cause in secondary epilepsy. Anti-epileptic drugs: a) Always sta1t with one drug, then add another drug if there is no response. b) Always stop the drugs ONLY if: âĒ The patient stays free of symptoms for at least 2 years. âĒ The patient has a normal EEG. 3. Side effects of Anti-epileptic drugs: I . Skin rash. 2. 3. Bone marrow depression. Ataxia. Drug 1. Barbiturates (Pbenonobarbitone) 2. Hydantoin (Epanutin) 3. Carbamazepine 4. Clonazepam 5. Valproate 6. Succinamide ANTI-EPILEPTIC DRUGS NEW ANTI-EPILEPTIC DRUGS - These drugs are new dtugs that may be used in resistant seizures. 1. Lamotrigine: 200 - 400 mg/ day. 2. Felbamate: 3. Gabapentin: 400- 800 mg/ day. 600 - 1200 mg/ day. \ " General rules for use ": Dose 100-600 mg I day 100-600 mg / day 200-600 mg I day 2-6 mg I day 500-1500 mg I day 500-1000 mg / day Best indicated - Broad spectrum. - Not for petit mal. - Grand mal. - Motor Jacksonian fits. - Grand mal. - Motor Jacksonian fits. - Complex seizures. - Not for petit ma!. - Myoclonic. - Grand mat. - Broad spectrum. - Petit mat. 140 141 STATUS EPILEPTICUS DEFINITION - A medical emergency: 1. Repeated attacks of generalized convulsions, with lack of recove,y of consciousness, 2. Persistent attack of seizure lasting for at least 30 minutes. OR, - If the convulsions are not stopped rapidly, coma deepens & death may occur due to: heart failure or respiratory failure or brain damage or hyperpyrexia. - The most common causes are: sudden withdrawal of anti-epileptic drugs & stroke. TREATMENT A. General Measures: l. Take care of: " ABC " âĒ Place the patient on the ground, to guard against falling from bed. âĒ Mouth gag & 02 inhalation ( endo-tracheal intubation may be needed). âĒ Record the vital signs regularly. 2. Take a sample of: - Venous blood: for the level of: - A.tierial blood: for the level of: 3. a nti-epileptic drugs, a lcohol. pH, p0 2, pC02, HC0 3. Give cerebral dehydrating measures: e.g. Frusemide, cone. Mannitol, Dexamethazone. B. Specific Treatment: - Phenytoin with diazepam (or clonazepam) immediately: 1. Phenytoin: 2. Diazepam: Clonazepam: seizures recur: 15 mg I Kg slow infusion. 5 mg slowly IV, to be repeated after 5 minutes if seizures recur: maximum dose: 20 mg. OR: 2 mg slowly IV, to be repeated after 5 minutes if maximum dose: 6 mg. - If seizures persist after 20 min. of Phenytoin & diazepam: 3. PHENOBARBITONE: - In resistant cases: 200 mg infusion. 4. GENERAL ANAESTHESIA: may be used.A BAD CASE OF THE STRIPES By David Shannon Parts(18): Camilla Narrator 1 Narrator 2 Narrator 3 Narrator 4 Mr. Harms Mother Father Dr. Bumble Old Woman Environmental Therapist Dr. Grop Dr. Gourd Dr. Sponge Mr. Mellon Dr. Cricket Dr. Young <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> Narrator 1: A BAD CASE OF THE STRIPES By David Shannon Narrator 2: Camilla Cream loved lima beans. But she never ate them. Narrator 3: All of her friends hated lima beans, and she wanted to fit in. Camilla always worried about what other people thought of her. Narrator 4: Today she was fretting even more than usual. It was the very first day of school, and she couldn't decide what to wear. There were so many people to impress! Narrator 1: She tried on forty-two outfits, but none seemed quite right. She put on a pretty red dress and looked in the mirror. Then she screamed. Narrator 2: Her mother ran into the room, and she screamed, too. Mother: "Oh my heavens! You're completely covered with stripes!" Narrator 3: she cried. This was certainly true. Camilla was striped from head to toe. She looked like a rainbow. Narrator 4: Mrs. Cream felt Camilla's forehead. Mother: "Do you feel all right?" Narrator 1: she asked. Camilla: "I feel fine, but just look at me!" Narrator 2: Camilla answered. Mother: "You get back in bed this instant. You're not going to school today." Narrator 3: her mother ordered. Camilla was relieved. She didn't want to miss the first day of school, but she was afraid of what the other kids would say. And she had no idea what to wear with those crazy stripes. Narrator 4: That afternoon, Dr. Bumble came to examine Camilla. Dr. Bumble: "Most extraordinary! I've never seen anything like it! Are you having any coughing, sneezing, runny nose, aches, pains, chills, hot flashes, dizziness, drowsiness, shortness of breath, or uncontrollable twitching?" Narrator 1: he asked. Camilla: "No, I feel fine." Narrator 2: Camilla told him. Dr. Bumble: "Well then, I don't see any reason why she shouldn't go to school tomorrow. Here's some ointment that should help clear up those stripes in a few days. If it doesn't, you know where to reach me." Narrator 3: Dr. Bumble said, turning to Mrs. Cream. And off he went. Narrator 4: The next day was a disaster. Everyone at school laughed at Camilla. They called her "Camilla Crayon" and "Night of the Living Lollipop." Narrator 1: She tried her best to act as if everything were normal, but when the class said the Pledge of Allegiance, her stripes turned red, white, and blue, and she broke out in stars! Narrator 2: The other kids thought this was great. One yelled out, Narrator 3: "Let's see some purple polka dots!" Narrator 4: Sure enough, Camilla turned all purple polka-dotty. Someone else shouted, Narrator 1: "Checkerboard!" Narrator 4: and a pattern of squares covered her skin. Soon everyone was calling out different shapes and colors, and poor Camilla was changing faster than you can change channels on a T.V. Narrator 2: That night, Mr. Harms, the school principal, called. Mr. Harms: "I'm sorry, Mrs. Cream, I'm going to have to ask you to keep Camilla home from school. She's just too much of a distraction, and I've been getting phone calls from the other parents. They're afraid those stripes may be contagious." Narrator 3: he said. Camilla was so embarrassed. She couldn't believe that two days ago everyone liked her. Now, nobody wanted to be in the same room with her. Narrator 1: Her father tried to make her feel better. Father: "Is there anything I can get you, sweetheart?" Narrator 2: he asked. Camilla: "No, thank you," Narrator 3: sighed Camilla. What she really wanted was a nice plate of lima beans, but she had been laughed at enough for one day. Dr. Bumble: "Hmm, well, yes, I see. I think I'd better bring in the Specialists. We'll be right over.â Narrator 4: said Dr. Bumble to Mr. Cream on the phone. About an hour later, Dr. Bumble arrived with four people in long white coats. He introduced them to the Creams. Dr. Bumble: "This is Dr. Grop, Dr. Sponge, Dr. Cricket, and Dr. Young." Narrator 1: Then the Specialists went to work on Camilla. They squeezed and jabbed, tapped and tested. It was very uncomfortable. Dr. Grop: "Well, it's not the mumps." Dr. Sponge: "Or the measles." Dr. Cricket:"Definitely not chicken pox." Dr. Young: "Or sunburn." Narrator 2: replied the Specialists. Specialists:"Try these. Take one of each before bed." Narrator 4: said the specialists. They each handed her a bottle filled with different colored pills. Then they filed out the front door followed by Dr. Bumble. Narrator 1: That night, Camilla took her medicine. It was awful. Narrator 2: When she woke up the next morning, she did feel different, but when she got dressed, her clothes didn't fit right. She looked in the mirror, and there, staring back at her, was a giant, multi-colored pill with a face on it. Narrator 3: Dr. Bumble rushed over as soon as Mrs. Cream called. But this time, instead of the Specialists, he brought the Experts. Narrator 4: Dr. Gourd and Mr. Mellon were the finest scientific minds in the land. Once again, Camilla was poked and prodded, looked at and listened to. Narrator 1: The Experts wrote down lots of numbers. Then they huddled together and whispered. Dr. Gourd finally spoke. Dr. Gourd: "It might be a virus," Narrator 2: he announced with authority. Suddenly, fuzzy little virus balls appeared all over Camilla. Mr. Mellon: "Or possibly some form of bacteria," Narrator 3: said Mr. Mellon. Out popped squiggly little bacteria tails. Dr. Gourd: "Or it could be a fungus," Narrator 4: added Dr. Gourd. Instantly, Camilla was covered with different colored fungus blotches. The experts looked at Camilla, then each other. Experts: "We need to go over these numbers again back at the lab. Weâll call you when we know something," Narrator 1: said the Experts. But the Experts didn't have a clue, much less a cure. Narrator 2: By now, the T.V. news had found out about Camilla. Reporters from every channel were outside her house, telling the story of "The Bizarre Case of the Incredible Changing Kid." Narrator 3: Soon a huge crowd was camped out on the front lawn. Narrator 4: The Creams were swamped with all kinds of remedies from psychologists, allergists, herbalists, nutritionists, psychics, an old medicine man, a guru, and even a veterinarian. Narrator 1: Each so-called cure only added to poor Camilla's strange appearance until it was hard to even recognize her. She sprouted roots and berries and crystals and feathers and a long furry tail. But nothing worked. Narrator 2: One day, a woman who called herself an Environmental Therapist claimed she could cure Camilla. She said, Environmental Therapist: "Close your eyes, breathe deeply, and become one with your room." Camilla: "I wish you hadn't said that," Narrator 3: Camilla groaned. Slowly, she started to melt into the walls of her room. Her bed became her mouth, her nose was a dresser, and two paintings were her eyes. The therapist screamed and ran from the house. Mother: "What are we going to do? It just keeps getting worse and worse!" Narrator 4: cried Mrs. Cream. She began to sob. Narrator 1: At that moment, Mr. Cream heard a quiet little knock at the front door. He opened it, and there stood an old woman who was just as plump and sweet as a strawberry. Old Woman: "Excuse me, but I think I can help." Narrator 2: she said brightly. Narrator 3: She went into Camilla's room and looked around. Old Woman: "My goodness, what we have here is a bad case of the stripes. One of the worst I've ever seen!" Narrator 4: she said with a shake of her head. She pulled a container of small green beans from her bag. She said, Old Woman: "Here. These might do the trick." Mother: "Are those magic beans?" Narrator 1: asked Mrs. Cream. The old woman replied, Old Woman: "Oh my, no, there's no such thing. These are just plain old lima beans. I'll bet you'd like some, wouldn't you?" Narrator 2: she asked Camilla. Camilla wanted a big, heaping plateful of lima beans more than just about anything, but she was still afraid to admit it. She said, Camilla: "Yuck! No one likes lima beans, especially me!" Old Woman: "Oh, dear, I guess I was wrong about you." Narrator 3: said the old woman sadly. She put the beans back in her bag and started toward the door. Narrator 4: Camilla watched the old woman walk away. Those beans would taste so good. And being laughed at for eating them was nothing, compared to what she'd been going through. She finally couldn't stand it. Camilla: "Wait! The truth is...I really love lima beans." Narrator 1: she cried. The old woman smiled, popping a handful of beans into Camilla's mouth, and said, Old Woman: "I thought so." Camilla: "Mmmmmmm," Narrator 2: said Camilla. Suddenly the branches, feathers, and squiggly tails began to disappear.Then the whole room swirled around. When it stopped, there stood Camilla, and everything was back to normal. Camilla: "I'm cured!" Narrator 3: she shouted. The old woman said, Old Woman: "Yes, I knew the real you was in there somewhere." Narrator 4: She patted Camilla on the head and went outside and vanished into the crowd. Narrator 1: Afterward, Camilla wasn't quite the same. Narrator 2: Some of the kids at school said she was weird, but she didn't care a bit. Narrator 3: She ate all the lima beans she wanted, and she never had even a touch of stripes again.A small blue case KUAN: I left a suitcase on the train to London the other day. ATTENDANT: Can you describe it, sir? KUAN: It's a small blue case and it's got a zip. There's a label on the handle with my name and address on it. ATTENDANT: Is this case yours? KUAN: No, that's not mine. ATTENDANT: What about this one? This one's got a label. KUAN: Let me see it. ATTENDANT: What's your name and address? KUAN: Kuan, 83, Bridge Street. ATTENDANT: That's right. Kuan, 83, Bridge Street. ATTENDANT: Three pounds fifty pence, please. KUAN: Here you are. ATTENDANT: Thank you. KUAN: Hey! ATTENDANT: What's the matter? KUAN: This case doesn't belong to me! You've given me the wrong case!Make questions based on the text: A small blue caseMr Hall: I left a suitcase on the train to London the other day. Attendant: Can you describe it, sir? Mr Hall: It's a small blue case and it's got a zip. There's a label on the handle with my name and address on it. Attendant: Is this case yours? Mr Hall: No, that's not mine. Attendant: What about this one? This one's got a label. Mr Hall: Let me see it. Attendant: What's you name and address? Mr Hall: David Hall,83, Bridge Street. Attendant: That's right. D. N. Hall. 83. Bridge Street. Attendant: Three pound and fifty pence please. Mr Hall: Here you are. Attendant: Thank you. Mr Hall: Hey! Attendant: What's the matter? Mr Hall: This case doesn't belong to me! You've given me the wrong case! A: Do you have anything to declare? B: No, I don't. A: Do you have more than $10,000 in cash or the equivalent in foreign currency? B: No, all I have is $500. A: That's fine. Please continue to the exit. B: Thank you. A: Do you have anything to declare? B:No, no. A: Do you have more than $10,000 in cash or the equivalent in foreign currency? B: No. I only have $500. A: Okay, you can go to the exit now. B: Thanks.Into the Sea What Is Erosion? Have you ever made a sand castle at the beach? You must pick a good spot for it. If it is too close to the water, waves will quickly wash it away. Ocean waves and wind can also wash away land. They can change the shape of an island, which is land circled by water. When wind and water change the shape of Earth, it is called erosion. Waves are the biggest cause of erosion at the beach. Ocean waves are always active and moving onto the shore. They carry the sand away bit by bit. Strong waves are one of the properties of big storms. These waves explode as they crash onto the beach. Storm waves can move a lot of sand quickly. Erosion of Beaches. Some people build houses near the ocean. Waves take away the sand between the houses and the sea. As the beach disappears, the water gets closer to houses and other solid buildings on the beach. Some buildings can even be washed away. Erosion of Rocks. Erosion also happens on steep, rocky cliffs or sharp slopes. First, waves smash into the bottom of the cliffs. Then they carry away tiny pieces of rock. Over time, many small pieces of rock wash away from the bottom of the cliff. This makes the top of the cliff weak.The cliff can crumble and fall into the sea. Stopping Erosion. Some local communities work to stop erosion to nearby beaches. These towns have built sea walls of large boulders or rocks. The rocks are placed in a row in the sea. When waves hit the sea wall, they slow down. Then the waves can't pull sand away.Some towns make rules about buildings on the beach. New buildings must be far from the water. Then they won't wash away like a sand castle.ð§ Game Objective: Agents analyze partial client profiles, then choose the best discovery questions to uncover the hidden insurance need. Youâll 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 âhigh-valueâ questions they choose Whether their questions align to the true need Bonus: If they uncover the hidden clue or issue (revealed after) ðŊ 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 ð Sample Quizalize Scenario Set ðđ 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 doesnât currently have employer benefits. April works part-time and doesnât have group coverage. Question Prompt: Choose up to 5 questions to uncover James and Aprilâs real protection need. Answer Options: â
What income would April need if you werenât here to support your family? â
Do you have any existing life insurance or savings to cover the mortgage? â
How long would you want your family financially protected if something happened to you? â
Do either of you have any disability coverage? â
Would you want your childâs future education covered if something happened? â How much do you currently pay for car insurance? â Do you see yourself buying another house soon? â Whatâs your favorite thing about your neighborhood? â
Hidden Need: Income replacement + mortgage protection for a non-benefits freelancer. ðđ 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: â
If something happened to you, who would take care of your student loans or final expenses? â
Do you have any emergency savings or a safety net? â
Would you be interested in locking in permanent coverage while you're young and healthy? â
Do your parents or anyone else rely on you financially, even occasionally? â Are you planning to have children in the next 6 months? â Do you want a pet in the next year? â Do you have renterâs insurance? â
Hidden Need: Final expense coverage + early whole life for cash value & lock-in pricing. ðđ 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. Theyâre âstarting to think about college and retirement.â Answer Options: â
Would you want the kidsâ college plans funded if something happened to you? â
Do you have enough coverage to protect your spouseâs lifestyle if your income stopped? â
Have you considered combining life protection with cash value to support future goals? â
How are you currently saving for retirement? â Have you started planning your estate yet? â Do you plan on buying another property this year? â
Hidden Need: Blended whole/term strategy for income replacement and cash value for college/retirement. ðŪ Bonus Twist Slide (after each case): ðĨ Hidden Need Revealed! Hereâs what many missed: James has no group benefits â he needs full protection as a freelancer.