Wednesday, May 6, 2020

Truth Of Juvenile Delinquency Essay Example For Students

Truth Of Juvenile Delinquency Essay A movement has taken hold nationally to change the juvenile justice system, and erase any distinction between young offenders and adult criminals. Almost all fifty states have overhauled their juvenile justice laws, allowing more youths to be tried as adults and scrapping long-time protections to help rehabilitate delinquent kids and prevent future crimes. The current debate over juvenile crime is being dominated by two voices: elected officials proposing quick-fix solutions, and a media more intent on reporting violent crimes than successful prevention efforts. Politicians feel that best and easiest solution is to simply lock up youth offenders for long periods of time, and ignore rehabilitation. The most recent studies demonstrate that putting young offenders in adult prisons leads to more crime, higher prison costs, and increased violence. Yet, we are spending more and more on corrections, and less on prevention efforts. Some states spend more on corrections than they do on higher education. The cost of keeping juveniles in prison as compared to putting them into rehabilitation programs is astronomically higher. The Average cost of incarcerating a juvenile for one year is between $35,000 to $64,000. However, the average cost of an intervention program is $4,300 per child a year. Also the effectiveness of prisons to prevent juveniles from becoming repeat offenders is low. Kids, who have already spent time in adult prisons, are far more likely to commit more serious crimes when they are released. Crime prevention programs work and are cost-effective. They have been shown to reduce crime substantially when compared to imprisonment after crimes have been committed. There have many crime prevention programs around the country that have been very successful in helping to reduce juvenile crime. Many states use early intervention programs that are designed to help parents of troubled kids in raising their children. These programs offer strategies and tactics for helping supervise and discipline troubled children. This is done because it is believed that one of causes of delinquency is that parents of kids with delinquent tendencies simply dont know what to do with them. This program as well as other similar ones, have been shown to have quite an influence on crime prevention. Media reports on juvenile crime are greatly exaggerated. While some headlines suggested that a ticking time bomb of so-called superpredator children is waiting to explode, the studies show that this is simply not true. Crime level indicators show that the male at risk population will rise over the next decade, but the levels are far from the explosive level that the media would like to suggest. In fact, the levels are lower than those reached in the late 1970s , when the at risk population last peaked. The public also holds greatly distorted views about the prevalence and severity of juvenile crime. Contrary to public perception, the percentage of violent crimes committed by juveniles is low, only 13% of violent crimes are committed by young people. Also, most juvenile arrests have nothing to do with violence. Most kids only go through the juvenile justice system once. Also, most youths will simply out grow delinquent behavior once they mature. The true juvenile predator is actually a rare breed. But the media thrives on sensationalism, so they make it appear that crime is everywhere in order to sell more news papers, or have people watch their broadcast. Juvenile crime does exist and youths do commit violent acts. However, it is not on the scale that many people would like the public to believe. The solution is to this problem is not a simple one and can not be solved by simply putting kids in adult prisons. More effective solutions should be explored and put to use. A movement has taken hold nationally to change the juvenile justice system, and erase any distinction between young offenders and adult criminals. .u16603e315f08432906fc7598e2f56ee8 , .u16603e315f08432906fc7598e2f56ee8 .postImageUrl , .u16603e315f08432906fc7598e2f56ee8 .centered-text-area { min-height: 80px; position: relative; } .u16603e315f08432906fc7598e2f56ee8 , .u16603e315f08432906fc7598e2f56ee8:hover , .u16603e315f08432906fc7598e2f56ee8:visited , .u16603e315f08432906fc7598e2f56ee8:active { border:0!important; } .u16603e315f08432906fc7598e2f56ee8 .clearfix:after { content: ""; display: table; clear: both; } .u16603e315f08432906fc7598e2f56ee8 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u16603e315f08432906fc7598e2f56ee8:active , .u16603e315f08432906fc7598e2f56ee8:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u16603e315f08432906fc7598e2f56ee8 .centered-text-area { width: 100%; position: relative ; } .u16603e315f08432906fc7598e2f56ee8 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u16603e315f08432906fc7598e2f56ee8 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u16603e315f08432906fc7598e2f56ee8 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u16603e315f08432906fc7598e2f56ee8:hover .ctaButton { background-color: #34495E!important; } .u16603e315f08432906fc7598e2f56ee8 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u16603e315f08432906fc7598e2f56ee8 .u16603e315f08432906fc7598e2f56ee8-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u16603e315f08432906fc7598e2f56ee8:after { content: ""; display: block; clear: both; } READ: The International Accounting Standards Boards Accounting Essay Almost all fifty states have overhauled their juvenile justice laws, allowing more youths to be tried as adults and scrapping long-time protections to help rehabilitate delinquent kids and prevent future crimes. The current debate over juvenile crime is being dominated by two voices: elected officials proposing quick-fix solutions, and a media more intent on reporting violent crimes than successful prevention efforts. Politicians .

Mitsubishi Essay Example For Students

Mitsubishi Essay BackgroundRecruitmentWorkplaceDiscriminationLawsuitMediaResponseDefenseLeaveEndInterpretationConclusionRacial Discrimination?Japanese InterviewMitsubishi Japan Employment Discrimination CaseHi, I had the misfortune of working for Mitsubishi Electric in Japan, a few years ago. This is my story of a rare employment-related racial discrimination lawsuit I filed against them in their home country. This story is somewhat different. Medias version of it (below) will let you know some facts regarding this case and for those with patience and open minds to explore the truth, a different story will emerge after reading my account. First, let me introduce you briefly to my relevant background. I am a graduate of IIT Bombay (an IITian) and we are used commonly in the IT industry for developed countries like the USA and Japan. I am a permanent resident (Green Card holder) of the USA and it took me five years to get it. Normally, it used to take about 2 years. Moreover, as you can see from my GMAT scores that I have high verbal aptitude (left scores). (GRE scores were similar.)I was preparing for a career in financial sector. MBA + Actuarial exams with high scores + CFA and CFP exams. Was expecting to pursue that career after getting my Green Card. I didnt want to work for in the IT industry and most definitely didnt want to work for notorious Mitsubishi but I landed up in their Computer Works in Japan. Mitsubishi went on an aggressive recruitment process to hire me, apparently at the orders of its highest executives. The purpose you will find out soon. By the way, as most of us very well know, Japanese executive s in places like Mitsubishi have racial-superiority complex towards the rest of us, especially the non-Caucasians, and even though they try hard, most of them are unable to master a foreign language like English. Now you are all set to begin your journey. Note: Am adding more material to the other pages. A Case of Racial Discrimination?An Indian Worker Sues His Japanese Employerby Robert GuestFrom the credit Robert Guest is a British free-lance writer based in Hiroshima who contributes business and other articles to The Far Eastern Economic Review and The Independent. The Journal Issues in Bilateral Relations, November 1992 page 37-39 (A monthly publication of American Chamber of Commerce in Japan (ACCJ).) Permission pending. You are a foreign executive working for a major Japanese firm and you are sure that the company is giving you a raw deal simply because you are a foreigner. What can you do? Nothing has long been the answer. Theres no point in suing, continues this logic, because this is Japan, the famous non-litigious society, and your chances of beating a large Japanese company in a Japanese court are virtually nil. You shrug it off and go have a drink at your favorite watering hole. But all this could be changing now because of a lawsuit filed by an Indian exec against his Japanese employer Mitsubishi Electric. A software engineer from India named name removed has sued his employer for racial discrimination and harassment, marking the first such lawsuit ever filed in a Japanese court. If the Japanese company loses, the fallout may be felt in workplaces from Sendai to Shikoku. The plaintiff is alleging that whereas Japanese employees at Mitsubishi are given English-language lessons at company expense, and Caucasian staff are provided with the best Japanese-language teaching available, he has been given no assistance whatsoever in his efforts to learn the Japanese language. Sinha understood that his contract with the Japanese company was for life and that it specifically stated that he was to be treated equally with his Japanese colleagues. Since he has not been, name removed claims that this is a clear case of racial discrimination. .uaf74675f8f4042322f40d283c66856c1 , .uaf74675f8f4042322f40d283c66856c1 .postImageUrl , .uaf74675f8f4042322f40d283c66856c1 .centered-text-area { min-height: 80px; position: relative; } .uaf74675f8f4042322f40d283c66856c1 , .uaf74675f8f4042322f40d283c66856c1:hover , .uaf74675f8f4042322f40d283c66856c1:visited , .uaf74675f8f4042322f40d283c66856c1:active { border:0!important; } .uaf74675f8f4042322f40d283c66856c1 .clearfix:after { content: ""; display: table; clear: both; } .uaf74675f8f4042322f40d283c66856c1 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uaf74675f8f4042322f40d283c66856c1:active , .uaf74675f8f4042322f40d283c66856c1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uaf74675f8f4042322f40d283c66856c1 .centered-text-area { width: 100%; position: relative ; } .uaf74675f8f4042322f40d283c66856c1 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uaf74675f8f4042322f40d283c66856c1 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uaf74675f8f4042322f40d283c66856c1 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uaf74675f8f4042322f40d283c66856c1:hover .ctaButton { background-color: #34495E!important; } .uaf74675f8f4042322f40d283c66856c1 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uaf74675f8f4042322f40d283c66856c1 .uaf74675f8f4042322f40d283c66856c1-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uaf74675f8f4042322f40d283c66856c1:after { content: ""; display: block; clear: both; } READ: Jobs Are Not For Everyone EssayThe implications of this case are enormous, according to name removeds lawyer, Satoshi Murata. If we win, he claims, Japanese companies are going to have to take the issue of racism in the workplace more seriously than has been usual up to now. If they lose, on the other hand, It is going to make it much less attractive for foreigners, especially Asians, to come to Japan looking for work. Given the gaping labor shortage, and the desperate need for foreign labor to fill the manpower gap,

Thursday, April 23, 2020

Prison Prevents Violence Essays - Dispute Resolution, Penology

Prison Prevents Violence Prison Prevents Violence Violence is a major concern amongst the youths of this generation. It is an important issue that is being neglected. Several causes that may lead to this behavior would be the surroundings the youths are brought up in, or the image they wish to present themselves as - macho, tough, and untouchable. However, the causes are not important. What is important is the solution we can provide in order to help these youths stop violence. One solution to prevent youth violence would be to take them on a field trip to the local prison to spend a day as a prisoner. According to West Midlands Police Museum, spending a day in jail would mean eating repetitive, unappealing food such as oatmeal, bread, and potatoes. Daily chores include laundry, yard work, and general maintenance. However, the worst experience of going to jail would mean having freedom taken away. If the youths spent a day living behind bars, they would hopefully learn to cherish freedom more. By going to jail, the students would realize this and change their violent behaviors. Another reason that going to jail may prevent youth violence is that the prisoners in there doing time already can tell them nonfiction, breath-taking stories. This would be a memorable experience that would linger within the youths. Stories might include how the trial impacted their families, the regrets that they have (if any), or how guards treats them. It is not the ?outside world' where orders from parents could be disregarded. The prisoners have to listen to every order that is given to them, or a severe punishment would be the outcome. One story that might be of interest belongs to J.J Maloney, an ex-prisoner of Missouri State Penitentiary. He stated that ?[s]tabbings and killings, robberies and rapes were common? (1). Every time youths choose violence as the answer to their problems, they could think of how the prisoners are treated in jail and how much pain they are living with. Furthermore, spending a day in prison can be a solution for youths to stop violence because delightful activities are limited - no more video games, no more long conversations with friends on the phone, no more parties to attend. The guilty have nothing to show for themselves; they are shameful and prideless individuals who have lost their souls. However, a negative factor of this field trip would be the exposure and easy access of drugs. Maloney adds that even ?captains on the guard force?owed their souls to certain convicts? that sold them the drugs (1). He further elaborates: ?in a one-week period, one inmate smuggled in 14 ounces of amphetamine, another inmate 2 ounces, and another four ounces. So much dope was available, in so many hands, it was almost impossible to sell all of it. Then, in one 24-day period, four inmates were murdered (Maloney 2) It is evident that only one day is enough for youths to spend at the prison for violent behaviors to stop. Longer visits would likely cause another major concern in youths ? the use of drugs. The opportunity to take a prison fieldtrip would be very unusual, but it would give the youth a chance to have a taste of the consequence without actually committing the crime. This may not help all of the students, but if one would change their violent behavior because of this field trip, then the time spent in organizing it would already be worth it.

Tuesday, March 17, 2020

Columbus and the Discovery of America essays

Columbus and the Discovery of America essays Columbus discovery of America and that of his travel to the East Indies by the Cape of Good Hope, are the two most unpleasant and significant events that have impacted modern civilization as we know it. By Columbus discovering America, he conquered, enslaved other cultures, destroyed lands, introduced disease and caused extinction, alteration of species and the destruction of the environment. Columbus is above all a villain of the modern age. Columbus alone was responsible for the enslavement and genocide of the people he had encountered in the new world that he had discovered. Upon his arrival in the Cape of Hope, he kidnapped twelve of the Arawaks and brought them back to Spain to learn Spanish. Exactly one year later, Columbus returned with the captives to the Cape of Hope and enslaved its first nations people in order to acquire its silver and gold. As Columbus demanded a quotient of gold for every day, those who refused or committed criminal offenses had their ears and noses severed off. As this continued to happen, the Arawaks became enraged and resisted. Columbus fought back by releasing his attack dogs that viciously tore apart and slaughtered the Arawak tribe. He then captured 1,500 natives and took them to Spain. Five hundred died on the voyage. While in Spain, it was demanded of the remaining captured tribe members to pay respects to the Queen Isabella and those who refused had their hands hacked off. The Ki ng later stated that the Arawaks had chosen their own fate and many women committed suicide and murdered their own children. Columbus and his crew brought disease over to the new land. Within the next fifty years, over 3,000,000 Arawaks died because they did not have the same immunities to these diseases as the Spaniards (ex. the common cold, small pox). Before the disease that the Spaniards exposed to the natives, the Arawaks had particularly good health. Specific diseases that were s...

Sunday, March 1, 2020

History of the 1960 Olympics in Rome, Italy

History of the 1960 Olympics in Rome, Italy The 1960 Olympic Games (also known as the XVII Olympiad) were held in Rome, Italy from August 25 to September 11, 1960. There were many firsts at these Olympics, including the first to be televised, the first to have the Olympic Anthem, and the first to have an Olympic champion run in bare feet.   Fast Facts Official Who Opened the Games:  Italian President Giovanni GronchiPerson Who Lit the Olympic Flame:  Italian track athlete  Giancarlo PerisNumber of Athletes:  5,338  (611 women, 4,727 men)Number of Countries:  83 Number of Events:  150 A Wish Fulfilled After the 1904 Olympics were held in St. Louis, Missouri, the father of the modern Olympic Games, Pierre de Coubertin, wished to have the Olympics hosted in Rome: I desired Rome only because I wanted Olympism, after its return from the excursion to utilitarian America, to don once again the sumptuous toga, woven of art and philosophy, in which I had always wanted to clothe her.* The International Olympic Committee (IOC) agreed and chose Rome, Italy to host the 1908 Olympics. However, when Mt. Vesuvius erupted on April 7, 1906, killing 100 people and burying nearby towns, Rome passed the Olympics to London. It was to take another 54 years until the Olympics would finally be held in Italy. Ancient and Modern Locations Holding the Olympics in Italy did bring together the mixture of ancient and modern that Coubertin had so wanted.  The Basilica of Maxentius and the Baths of Caracalla were restored to host the wrestling and gymnastic events respectively, while an Olympic Stadium and a Sports Palace were built for the Games. First and Last The 1960 Olympic Games were the first Olympics to be fully covered by television. It was also the first time the newly chosen Olympic Anthem, composed by Spiros Samaras, was played. However, the 1960 Olympics were the last that South Africa was allowed to participate in for 32 years. (Once apartheid ended, South Africa was allowed to rejoin the Olympic Games in 1992.) Amazing Stories Abebe Bikila of Ethiopia surprisingly won the gold medal in the marathon - with bare feet. (Video) Bikila was the very first black African to become an Olympic champion. Interestingly, Bikila won the gold again in 1964, but that time, he wore shoes.   United States athlete Cassius Clay, later known as Muhammad Ali, made headlines when he won a gold medal in light heavyweight boxing. He was to go on to an illustrious boxing career, eventually being called, the Greatest.   Born prematurely and then stricken with polio as a young child, U.S. African-American runner Wilma Rudolph overcame here disabilities and went on to win three gold medals at this Olympic Games. A Future King and Queen Participated Greeces Princess Sofia (the future queen of Spain) and her brother, Prince Constantine (the future and last king of Greece), both represented Greece at the 1960 Olympics in sailing. Prince Constantine won a gold medal in sailing, dragon class. A Controversy Unfortunately, there was a ruling problem on the 100-meter freestyle swim. John Devitt (Australia) and Lance Larson (United States) had been neck and neck during the last segment of the race. Though they both finished at about the same time, most of the audience, the sports reporters, and the swimmers themselves believed Larson (U.S.) had won. However, the three judges ruled that Devitt (Australia) had won. Even though the official times showed a faster time for Larson than for Devitt, the ruling held. * Pierre de Coubertin as quoted in Allen Guttmann, The Olympics: A History of the Modern Games (Chicago: University of Illinois Press, 1992) 28.

Thursday, February 13, 2020

Research on brand strategy, Chinese brand issue and countermeasures Dissertation

Research on brand strategy, Chinese brand issue and countermeasures - Dissertation Example Chinese brands lack the global standards of competitiveness. They have been focusing on the development of self-owned brands but they continue to face issues such as a weak brand and lack of brand protection consciousness. Thus with the aim to recommend an affective brand strategy for Chinese enterprises, three objectives were set in the study. Extensive literature on the subject was reviewed and then based on a qualitative study, and purely on secondary data the study objectives have been achieved. Reason why Chinese brands have not been able to establish in international markets range from low quality perception, to adherence to Chinese brand names and the lack of competency to decide on brand positioning and brand personality. Chinese brands are known to simply respond to opportunities without implementing brand strategy. The benefits of an effective brand strategy have been amply highlighted throughout the study which includes loyal customers, higher market share and larger reven ues. Brand strategy helps brands adopt a differentiation strategy and focus on specific elements. Citing the examples of Haier and Lenovo, the study finds that an effective brand strategy can help domestic Chinese brands to achieve success in the international markets. Through brand positioning, through a planned growth strategy, Chinese brands can develop sustained competitive advantage even in foreign markets. An effective brand strategy helps overcome the negative perception associated with Chinese brands. The study concludes by suggesting counter measures that Chinese brands can adopt to establish in international markets. Limitations to the study have been highlighted and recommendations for further research on the subject have been made. Table of Contents Chapter I Introduction 1.1 Background 1 1.2 Rationale of the Study 3 1.3 Research Aims and Objectives 5 1.4 Structure of the Study 5 Chapter II Literature Review 2.1 Chapter Overview 7 2.2 The concept of brand 7 2.3 Concept o f Brand Strategy 8 2.4 Theories governing brand strategy 11 2.5 Reasons for poor brand strategy 15 2.6 Chapter Summary 17 Chapter III Methodology 3.1 Research Philosophy 18 3.2 Research Design 18 3.3 Chosen Method 19 3.4 Research approach 20 3.5 Data Collection Strategy 20 3.6 Data Analysis 22 3.7 Ethical concerns 22 Chapter IV Findings and Discussion 4.1 Chapter Overview 23 4.2 Findings 23 4.3 Discussions 30 4.4 Chapter Summary 33 Chapter V Conclusion and Recommendations 5.1 Conclusion 34 5.2 Countermeasures 36 5.3 Limitations of the Study 38 5.4 Recommendations for further research 38 References 39 Tables, Charts and Figures Chart 1.1 Brand-consciousness Chinese consumers 2 Figure 2.1 Brand Equity Pyramid 9 Table 4.1 Guangdong Tea Exports 28 Chapter I Introduction 1.1 Background With the economic development and improvement in people’s living standards, products have become increasingly rich, offering value to the customers. In fact, competition in every field has made busi nesses and markets turbulent prompting marketers to create a distinctive brand image for their products. This requires change in the way organizations build and sustain brands. Most powerful brands in the world support their brand as an asset, essential to the organization’s long-term strategy (Davis, 2002 cited in Tregert & Westerlund, 2003). Since brand is an asset with an assumed value, brand awareness, brand associations and brand loyalty have to be actively managed. Global brands across the world have

Saturday, February 1, 2020

Church Construction Project Assignment Example | Topics and Well Written Essays - 2000 words

Church Construction Project - Assignment Example The selection of property to accommodate the church must commensurate the number of people in the church and the finance they are capable of raising to buy the church premises. We need a church for 600-700 people. We are located in a busy suburb of a very large city. Ideally, we may settle for a hall that accommodates around a 1000 people. The hall could be located in a commercial area or residential place. The strength is in the cost because it is affordable. It is close to the houses of most members. If we get the complete floor in a commercial complex, we also get privacy. The weaknesses are that we will not have the church hall completely to ourselves. We will have to observe the rules and regulations of the commercial society and restrain the volume of our sound when we sing hymns and choruses. We now meet in a school hall. The hall is huge and is capable of accommodating 1000 members. It admeasures 7,000 square feet. The school building is strong and is capable of bearing the strain of 5,000 people in the entire floor. I am not aware of any pressure point in the school hall. The hall is such that it can bear pressure from all sides. There is no threat to it from human source, that is, it cannot suffer any harm from purely human strength. If pressure points are meant to be columns, beams and floors, the school is a ground plus four floor affair. Its floor space is about 20,000 square feet. So, considering all the floors, the total floor space is 100,000 square feet. The school has columns and beams and appears to be of robust construction. Discover how the last major construction project in your church was financed. How did this project correspond to what you learned It is about five years since our church was established. We have not faced any situation of a major construction project in our church. We have grown numerically and in zeal. We are collecting funds for our own church premises. There is no problem so far as finance is concerned. We have enough money to finance a purchase. There is a steering committee which is involved in searching for the property. At any rate, I attended a different church before five years. This church has a regular church building consisting of the main church hall on the ground floor, and more halls for church programs on the three upper floors. The main church on the ground floor had high ceiling, almost double the size of the halls on the three upper floors. This church was very old. They had broken down the old single floor building some forty years ago and converted it into a building with ground plus the three upper floors. The finance for this building came from donations by the church members and more finance from the diocesan. No loan was taken. Interview a pastor or church staff member that has recently been involved in a major church construction project. Ask him about how closely they followed the safe borrowing limits suggested in this lesson. Record your findings in your notebook. Most churches in my region have a policy to not borrow money from banks or any financial institutions. They search for donations and grants. If they need loan, they may take it from well-known