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It is estimated that, in the United States, IBS accounts for nearly $8 billion a year in medical costs (Talley et al, 1995), and that people with IBS are more likely to seek medical attention for nongastrointestinal complaints, and undergo surgical procedures (Longstreth & Wolde-Tasadik, 1993) People with IBS have also been shown to miss up to three times as many days of work as those without IBS (Drossman et al 1993) Empirical Evidence There are two important epidemiological studies that best convey the magnitude of the problem In 1995, Talley and colleagues surveyed 4,108 residents of Olmstead County, Minnesota, between the ages of 20 and 95 They used a previously validated self-report postal questionnaire (Talley, Phillips, Melton, Wiltgen, & Zinsmeister, 1989) that identi ed GI symptoms experienced over the past year and determined the presence of functional GI disorders.



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Follow-up reminders were sent at two, four, and seven weeks and a telephone call was made at 10 weeks, which yielded a response.





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This chapter introduces and describes various costs that exist in a business operation, including direct costs, indirect costs, controllable and noncontrollable costs, joint costs, discretionary costs, relevant and nonrelevant costs, sunk costs, opportunity costs, fixed costs, variable costs, semifixed or semivariable costs, and standard costs. The chapter continues by showing how to allocate indirect costs to departments and the potential difficulties this may create are discussed. Using relevant costs to assist in determining which piece of equipment to buy is illustrated. Fixed and variable costs are discussed in relation to their use in the management decision process; that is, whether to accept or reject an offered price for services to be rendered. The evaluation of fixed and variable costs is illustrated in three additional problems: to close or not close during an off-season period; deciding which business to buy; and deciding whether to accept a fixed or variable lease on a facility. Having illustrated how important understanding fixed and variable cost relationships as in the decision process, the chapter concludes with an illustration of how semifixed or semivariable costs can be separated into their fixed and variable elements.

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where the Aij are (mi x nj) matrices with 2::;=1 Tnj Tn, 2::j=1 nj n and Ai) = 0 for i > j, is upper block triangular. (See also upper triangular matnx and partitIOned matrix.)

major is obviously advantageous, english, biology, math, sociology, or any other major will not preclude a student from being accepted into graduate school in psychology. Prerequisite courses such as General Psychology, Statistics, Research Methods, Personality, Biopsychology, Learning/Cognition, and Abnormal Psychology are generally required or highly recommended to students who choose not to major in psychology as undergraduates (Lawson, 1995; Norcross, Sayette, & Mayne, 2002; R. Smith, 1985). Additional courses in math and science are also recommended. Overall, students interested in becoming clinical psychologists and gaining admission into high-quality graduate programs must take their college experience very seriously (Table 15.1). Solid grades and high-quality research and clinical experiences during the college years are important to acquire. Specifically, students must obtain a solid grade point average (GPA), high scores on the Graduate Record Examination (GRE), obtain some clinical (e.g., work with patients or clients located at various social services agencies such as a homeless or battered women s shelter, suicide prevention hotline, school for developmentally disabled children, psychiatric unit of a local hospital)

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(i = 1, . . . , n; j = 1, . . . , p),

to country. In the United States, the fee average is approximately 2 percent of the transaction value. Customers and merchants have accepted credit cards as the dominant form of payment because they re ubiquitous and easy to use. Merchants are motivated to credit cards because they remain the dominant form of payment and are relatively secure from fraudulent chargebacks (given they have proof ). Merchants have begun to include other forms of payment alternatives because they are cheaper and convenient, and can increase their customer base. Bill Me Later and others can competitively undercut the interchange fees charged by the credit cards and nancial institutions. Examples of Credit Card Associations American Express Discover Gratis Card Japan Credit Bureau ( JCB) MasterCard Credit cards dominate the mind share in e-commerce business. They control the vast majority of transactions, and if you re not utilizing credit cards, then you re not capturing your true market potential. It is absolutely necessary to take these cards as forms of payment. Credit card companies have poured billions of dollars, time, and lobbying efforts to establish themselves as the premiere payment alternative. The economic, business, and political clout of these companies is not to be underestimated and must be incorporated into every e-commerce payment system. However, they do not have as exclusive a hold on mind share as they once had. The card associates still dominate market share, but the nimbler and smaller rms with differentiated and multifaceted payment systems are expanding mind share. Revolution Card Universal Air Travel Plan (UATP) Visa

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