Background: Retirement is a universal life stage, marking the culmination of an individual's working years. However, many people face financial challenges during retirement due to insufficient financial planning. Retirement preparedness is essential for ensuring economic security and maintaining a high quality of life in later years. Education is often viewed as a key driver of retirement preparedness, as it is linked to higher earnings, better financial literacy, and improved decision-making. However, the Minorities' Diminished Returns (MDRs) theory suggests that the economic, cognitive, and behavioral benefits of education are weaker for racial and ethnic minorities compared to non-Latino Whites. Objective: This study aims to examine the relationship between educational attainment and retirement preparedness, focusing on whether this association differs among Black, Latino, and non-Latino White individuals, using data from the Understanding America Study (UAS). Methods: Data were drawn from the UAS, a nationally representative internet-based panel survey. The sample included participants from diverse racial and ethnic backgrounds. Linear regression models were used to evaluate the association between educational attainment, measured in years of schooling, and retirement preparedness. Interaction terms were included to test whether the association varied by race and ethnicity. Models were adjusted for potential confounders, including age, sex, marital status, employment status, and immigration. Results: In the overall sample, higher educational attainment was significantly and positively associated with better retirement preparedness (p < 0.001). However, consistent with the MDRs framework, the strength of this association was significantly weaker for Black and Latino participants compared to non-Latino White participants (p < 0.05). Non-Latino Whites with higher education levels reported substantially better retirement preparedness, while the same level of education yielded smaller gains in retirement preparedness for Black and Latino individuals. Conclusion: The findings support the Minorities' Diminished Returns theory, showing that although educational attainment enhances retirement preparedness for all groups, Black and Latino individuals derive fewer benefits compared to their non-Latino White counterparts. These disparities point to persistent structural inequalities and systemic barriers within the education system and labor market, as well as the effects of segregation and discrimination, which undermine the economic benefits of education for marginalized populations. Addressing these disparities requires targeted policy interventions aimed at eliminating racial and ethnic inequalities in retirement outcomes and ensuring equitable benefits from educational attainment for all groups.

Background: Educational attainment is widely regarded as a key predictor of economic and social outcomes in later life, including the likelihood of receiving Social Security Disability Insurance (SSDI). According to the Minorities' Diminished Returns (MDRs) theory, however, the benefits of education may be less pronounced for racial and ethnic minorities compared to non-Latino Whites. This study investigates whether the effects of education on the likelihood of receiving SSDI differ by race and ethnicity, focusing on Black and Latino Americans. Objective: The primary aim of this study was to examine the relationship between educational attainment (measured in years of schooling) and the likelihood of receiving SSDI, with a specific focus on exploring how this relationship varies by race and ethnicity, in line with the MDRs framework. Methods: Data were drawn from the Understanding America Study (UAS), a nationally representative, internet-based panel survey. The sample included Black, Latino, and non-Latino White U.S. adults. Our sample size was 12,975 adults over the age of 18. Logistic regression models were used to assess the association between educational attainment and receiving SSDI, adjusting for demographic variables such as age, sex, employment status, and marital status. Interaction terms between race/ethnicity and educational attainment were included to explore whether the returns on education varied across racial and ethnic groups. Results: Higher educational attainment was significantly associated with a lower likelihood of receiving SSDI in the overall sample. However, consistent with the MDRs framework, the protective effect of education was significantly weaker for both Black and Latino individuals compared to non-Latino Whites. Black and Latino participants with similar levels of education as their non-Latino White counterparts were more likely to receive SSDI, reflecting diminished returns on educational attainment for these groups. Conclusion: This study provides strong evidence supporting the MDRs theory, demonstrating that the protective effects of education on the likelihood of receiving SSDI are not equally distributed across racial and ethnic groups. Black and Latino Americans experience weaker returns on their education when it comes to avoiding SSDI, likely due to structural inequalities and systemic barriers. These findings highlight the need for policies that address not only educational disparities but also the broader societal factors that limit the benefits of education for racial and ethnic minorities.

Pharmaceutical supply chains are critical to ensuring the availability of safe and effective medications, yet they face numerous challenges that can jeopardize public health. This article provides a comprehensive analysis of the key issues impacting pharmaceutical supply chains, including regulatory compliance, demand forecasting, supply chain visibility, quality assurance, and geopolitical risks. Regulatory compliance remains a significant concern due to the stringent guidelines imposed by authorities such as the FDA and EMA, which can lead to increased operational costs and time delays. Additionally, traditional demand forecasting methods often fail to accurately predict fluctuations in drug demand, resulting in stockouts or excess inventory. Limited supply chain visibility further complicates these challenges, hindering timely decision-making and operational efficiency. Quality assurance is paramount, as maintaining the integrity of pharmaceutical products throughout the supply chain is crucial to preventing costly recalls and ensuring patient safety. Moreover, the globalization of supply chains introduces vulnerabilities to geopolitical risks, trade disputes, and natural disasters. In response to these issues, this article outlines strategic recommendations for optimizing pharmaceutical supply chains. These include leveraging advanced analytics and IoT technologies to enhance demand forecasting and visibility, strengthening compliance through automated systems and training, fostering collaboration among stakeholders, implementing robust risk management frameworks, and investing in quality management systems. By adopting these strategies, pharmaceutical companies can enhance the efficiency and resilience of their supply chains, ultimately ensuring the continuous availability of essential medications for patients worldwide. This analysis serves as a critical resource for industry professionals seeking to navigate the complexities of pharmaceutical supply chains in an increasingly dynamic global environment.

Background: Educational attainment is a well-established social determinant of various domains of cognitive function across the lifespan. However, the theory of Minorities' Diminished Returns (MDRs) suggests that the health benefits of educational attainment tend to be weaker for ethnic minorities compared to non-Latino Whites. This phenomenon may reflect the impact of structural inequalities, social stratification, and historical disadvantage. Objective: This study examines whether the association between educational attainment and numeracy score, one domain of cognitive function, is weaker in Latino individuals compared to non-Latino individuals, as predicted by the MDRs framework. Methods: Data were drawn from the 2014 wave of the Understanding America Study (UAS), a national internet-based panel. Numeracy score, a domain of the cognitive function was measured using an 8-item measure. Linear regression models were used to analyze the association between educational attainment and numeracy score, with an interaction term for ethnicity x educational attainment to explore differences between Latino and non-Latino participants. Models were adjusted for age, gender, marital status, immigration, and employment, and results were presented as beta coefficients, p-values, and 95% confidence intervals (CIs). Results: Overall, 5,659 participants entered our analysis. Higher educational attainment was positively associated with higher numeracy score for both Latino and non-Latino participants (p < 0.001). However, the interaction between education and ethnicity was significant (p < 0.05), indicating that Latino individuals experienced smaller numeracy benefits from education compared to non-Latino individuals. These results support the MDRs framework, suggesting that structural barriers may reduce the numeracy returns of education for Latino individuals. Conclusion: This study provides evidence of diminished returns of educational attainment in terms of numeracy scores among Latino individuals. While education is a key determinant of cognitive abilities such as numeracy, its benefits are not equitably distributed across ethnic groups. Structural inequalities particularly in educational opportunities likely contribute to this disparity. Addressing these underlying factors through targeted policy interventions is necessary to promote cognitive equity for Latino populations.

Background: Education is widely recognized as a key driver of wealth generation, providing individuals with the opportunity to enhance their socioeconomic status. However, the effectiveness of education in generating wealth varies significantly across different social groups. In the United States, research has shown that Black individuals experience weaker economic returns on education compared to their White counterparts, a phenomenon explained by the theory of Minorities' Diminished Returns (MDRs). Although MDRs have been documented in various countries, their relevance to caste-based disparities in India remains unexplored. Objective: This study aims to investigate the caste-based diminished returns of education on wealth in India. We hypothesize that the returns on educational attainment, in terms of wealth generation, will be weaker for individuals from Scheduled Castes (SCs) compared to those from higher castes, using data from the India Demographic and Health Surveys (DHS). Methods: This study was a cross-sectional analysis of DHS -2019/2021 data from India, examining the relationship between educational attainment and wealth across different caste groups (scheduled castes and non-scheduled castes). Multivariate regression models will be employed to assess the interaction between caste and education in predicting wealth outcomes, controlling for relevant covariates such as age, gender, and region. Results: The study is expected to find that the returns on education, in terms of wealth, are significantly weaker for individuals from Scheduled Castes compared to those from higher castes. This would indicate that caste-based discrimination continues to hinder the economic progress of Scheduled Castes, even when they achieve similar levels of education as their upper-caste counterparts. Conclusion: The findings of this study will extend the MDR framework to the Indian context, demonstrating that caste-based disparities result in diminished returns on education for wealth generation. This study underscores the need for targeted policies that address the specific barriers faced by Scheduled Castes in translating educational attainment into economic success and highlights the ongoing impact of caste-based discrimination in India.

Background: Socioeconomic status (SES) is traditionally viewed as a protective factor against impulsivity and subsequent tobacco use in youth. The prevailing model suggests that higher SES is associated with lower impulsivity, which in turn reduces the likelihood of future tobacco use. However, this pathway may not hold uniformly across racial groups due to differences in impulsivity and the phenomenon of Minorities' Diminished Returns (MDRs), where the protective effects of SES, such as educational attainment, tend to be weaker or even reversed for Black youth compared to their White counterparts. Objectives: This study aims to examine the racial heterogeneity in the pathway from childhood SES to impulsivity and subsequent tobacco use initiation during adolescence, focusing on differences between Black and White youth. Methods: Data were drawn from the Adolescent Brain Cognitive Development (ABCD) Study, which includes a diverse sample of youth aged 9 to 16 years. The analysis examined the relationship between baseline family SES (age 9), impulsivity (age 9), and subsequent tobacco use (ages 9 to 16). Impulsivity was measured using the Urgency, Premeditation (lack of), Perseverance (lack of), Sensation Seeking, and Positive Urgency Impulsive Behavior Scale (UPPS-P). Structural equation modeling (SEM) was employed, with analyses stratified by race to explore potential differences in these associations. Results: Overall, 6,161 non-Latino White and 1,775 non-Latino Black adolescents entered our analysis. In the full sample, higher family SES was linked to lower childhood impulsivity and, consequently, less tobacco uses in adolescence. However, racial differences emerged upon stratification. Among White youth, higher SES was associated with lower impulsivity, leading to reduced tobacco use, consistent with the expected model. In contrast, among Black youth, higher SES was not associated with lower impulsivity, thereby disrupting the protective effect of SES on tobacco use through this pathway. These findings suggest that racial heterogeneity exists in the SES-impulsivity-tobacco use pathway, aligning with the MDRs framework, which highlights how structural factors may weaken the protective effects of high SES among Black youth. Conclusions: These findings underscore the importance of considering racial heterogeneity in the relationships between SES, impulsivity, and tobacco use. The observed disparities suggest a need for targeted interventions that address the unique challenges faced by Black youth, who may not experience the same protective benefits of high SES as their White peers. These results carry significant implications for public health strategies aimed at reducing tobacco use in racially diverse populations.

This study investigated the English-only language-in-education policy in three primary schools in Ghana: University Primary, OLA Presby Primary and Apewusika Primary School in the Cape Coast Metropolitan in the Central Region of Ghana. The study employed Coulmas’s (2005) eight-step language planning model as a conceptual framework for the study. Nine teachers were randomly selected from Basic One to Basic Three to respond to the selection and supply items. The selected items were analysed and put into frequencies and percentages, while the supply items were coded into recurrent themes. Findings from data indicate that most teachers preferred using the local language (Fante) as a medium of instruction in the lower primary. The study also revealed that code missing is a significant feature in teacher-learner interaction. It was also observed that teachers encountered little problems when using Fante as a medium of instruction. Finally, most teachers express a lukewarm attitude towards using English as a medium of instruction in the lower primary school.

Access to and the availability of digital infrastructure remains the most significant issue influencing teachers' use of multimedia technology in teaching and learning processes. Qualitatively, the study focused on a case study research design. The study population consisted of five (5) Social Studies teachers at Presbyterian University College of Education Demonstration Junior High School in the Akuapem North Municipality of the Eastern Region of Ghana. A purposive sampling technique was used to select all the Social Studies teachers for the study. The main instruments for data collection were an interview guide and observation protocols. The data was analysed using the interpretative method based on the themes arrived at during the data collection. The themes were related to the research question and interpreted on the number of issues raised by participants. The study indicated that more resources are needed to use multimedia resources effectively in social studies instruction. Limited access to computers and the internet, unreliable power supply, time constraints for teachers, and a lack of necessary competencies all contribute to this challenge. Although multimedia has become crucial to education, teachers often need more training to utilise these resources fully. The government must collaborate with other organisations to procure ICT resources to address these challenges rather than shouldering the sole responsibility for financing education. Establishing a school-based ICT policy framework to guide technology implementation in teaching and learning is essential.

The role and contribution of women in modern organisations have been phenomenal. However, societal norms and other patriarchal values continue to stifle the progress of women leaders. The study's overall purpose was to examine the leadership styles of female leaders in managing senior high schools in the Central Region of Ghana. The study adopted non-numerical data and used a purely qualitative research approach. A phenomenological design supported the study framework, and the required data was collected through interviews. The target population for the study were female headmistresses and assistant headmistresses in the various Senior High Schools in the Metropolis. The study involved all six female headmistresses and eight assistant headmistresses in the Metropolis. The participants were sampled using the census to meet the study objectives. The data were analysed thematically. The study revealed that married couples use the participatory leadership style, but those who are single use the assertive style. The study also concluded that women leaders who are single and are farther from 60 years old are more likely to have problems in the discharge of their duties as leaders since men, per societal influence, will always try to resist the control of women leaders. The Ghana education service should package special incentives for women who aspire to achieve the utmost leadership role of becoming heads of senior high schools. It will motivate the young women generation. It is also recommended that women in leadership positions in the Ghana Education Service are advised to learn by updating their skills and competencies to grow in confidence and share ideas with colleagues in the same field to adopt and adapt leadership styles that have worked in other institutions to handle institutional challenges.

Background: In the landscape of education, the decision-making process that leads students to pursue or reject nursing as a career is a multifaceted phenomenon shaped by a plethora of influences ranging from personal experiences to societal norms. Aim: To explore non-nursing students' insights on nursing education, seeking to shed light on the considerations and challenges that influence their views on nursing education. Materials & Methods: A qualitative approach using thematic analysis were utilized. Lincoln and Guba's framework for rigor and trustworthiness directed the validation process. Semi-structured interviews based on vetted questionnaires yielded the data. Results: Analysis of interviews with ten (10) non-nursing college students revealed three key themes: 1) initial insights, 2) factors influencing their insights, and 3) difficulty of nursing education. Non-nursing students view nursing education as multifaceted and rigorous, recognizing the profession's complexity but have reservations about the heavy workload, intense clinical demands, and health risks, particularly highlighted by the pandemic, which contributes to their reluctance to choose nursing as a career path. Implications: Addressing perceptions, enhancing curricula, offering mentorship, and providing emotional support, nursing education can be improved, steering more students towards a career in nursing. Conclusion: Non-nursing students respect the complexity of the nursing profession but are deterred by its demands and risks, indicating a need for educational reforms to better convey the role, value, and opportunities within nursing to encourage more students into the field.

Over the past decades, quality assurance has received significant prominence in higher education management across the world. While the concept is pertinent to all areas of higher education management, nowhere is it considered more crucial than in curriculum development, given the importance of curriculum in supporting students to achieve the needed learning outcomes. In this study, we explored how quality is ensured in curriculum development in Ghana, using a STEM university, University of Mines and Technology (UMaT), as a case study. We specifically examined the procedure for curriculum development in the university, how quality assurance is ensured during the process, and the challenges associated with the process. We explore the case using qualitative techniques, particularly in-depth interviews. Fourteen (14) participants were purposively sampled from four (4) functional levels responsible for curriculum development in the university. The study found that the quality of curriculum in UMaT is largely determined by both national and institutional quality assurance frameworks. The major challenges that hamper quality assurance are the need to design curriculum at a shorter notice to fulfil accreditation requirement, lack of experts to support curriculum development, and less consultation with other relevant stakeholders as required by the regulator, Ghana Tertiary Education Commission (GTEC).

Digital forensics in cloud computing environments presents significant challenges due to the distributed nature of data storage, diverse security practices employed by service providers, and jurisdictional complexities. This study aims to develop a comprehensive framework and improved methodologies tailored for conducting digital forensic investigations in cloud settings. A pragmatic research philosophy integrating positivist and interpretivist paradigms guides an exploratory sequential mixed methods design. Qualitative methods, including case studies, expert interviews, and document analysis were used to explore key variables and themes. Findings inform hypotheses and survey instrument development for the subsequent quantitative phase involving structured surveys with digital forensics professionals, cloud providers, and law enforcement agencies, across the globe. The multi-method approach employs purposive and stratified random sampling techniques, targeting a sample of 100-150 participants, across the globe, for qualitative components and 300-500 for quantitative surveys. Qualitative data went through thematic and content analysis, while quantitative data were analysed using descriptive and inferential statistical methods facilitated by software such as SPSS and R. An integrated mixed methods analysis synthesizes and triangulates findings, enhancing validity, reliability, and comprehensiveness. Strict ethical protocols safeguard participant confidentiality and data privacy throughout the research process. This robust methodology contributed to the development of improved frameworks, guidelines, and best practices for digital forensics investigations in cloud computing, addressing legal and jurisdictional complexities in this rapidly evolving domain.

Our lives are becoming more and more digital, and this has an impact on how we work, study, communicate, and interact. Businesses are currently digitally altering their information systems, procedures, culture, and strategy. Existing businesses and economies are severely disrupted by the digital revolution. The Internet of Things, microservices, and mobile services are examples of IT systems with numerous, dispersed, and very small structures that are made possible by digitization. Utilizing the possibilities of cloud computing, mobile systems, big data and analytics, services computing, Internet of Things, collaborative networks, and decision support, numerous new business prospects have emerged throughout the years. The logical basis for robust and self-optimizing run-time environments for intelligent business services and adaptable distributed information systems with service-oriented enterprise architectures comes from biological metaphors of living, dynamic ecosystems. This has a significant effect on how digital services and products are designed from a value- and service-oriented perspective. The evolution of enterprise architectures and the shift from a closed-world modeling environment to a more flexible open-world composition establish the dynamic framework for highly distributed and adaptive systems, which are crucial for enabling the digital transformation. This study examines how enterprise architecture has changed over time, taking into account newly established, value-based relationships between digital business models, digital strategies, and enhanced enterprise architecture.

The debate on culture clash necessitates a theoretical framework, and three perspectives that merit attention are homogenization, polarization, and hybridization theories. These intersecting paths lead to the hypothesis that all civilizations could assimilate into the Western model as it is currently conceived. Culture clash is approached from multiple angles due to the widely held belief that rejecting culturally novel concepts is unethical. However, imposing new rules and customs will inevitably encounter innate resistance, as evidenced by numerous examples. The exchange of behavioral models does exist, with one of globalization's main tenets being the universality of values – including the uprooting of what we refer to as primitive manners. Nevertheless, anthropology and cultural research have witnessed intergenerational and long-term survival of elements that contemporary civilization believed it had overcome or at least suppressed deep within the subconscious mind. This article will offer an essayistic approach to certain forms of culture clash.

Fertility control is crucial to achieving improved health and socio-economic status of women. The main objective of the study was to explore fertility control behaviours among educated urban women in the Cape Coast Metropolis. The study adopted the interpretivist (qualitative) philosophy in social research. The population for the study comprised women who have at least secondary-level education, are married or in a stable union and are between the ages of 18 and 49 years. A snowball sampling technique was used to select thirty-two (32) respondents for the study. The respondents constituted the number that provided the required information at saturation. The main instrument for data collection was a semi-structured interview guide. Data was collected from educated women within the Cape Coast Metropolis. Five items open-ended questions under the heading Factors influencing fertility control among highly-educated urban women in the Cape Coast Metropolis. All transcribed data were then imported into NVivo 11, a computer-aided qualitative data analysis package with each transcript coded sentence by sentence. The codes were determined and constructed based on the content of the data. After the coding process, each code was described and memos attached as ideas about the themes emerged from social-cultural, economic to educational factors. The study underscores the adequate involvement of male partners in women’s fertility control practices, especially women’s contraceptive preferences. This demonstrates the authority of men over women in the domain of the family. Recognising that men have enormous powers regarding fertility issues tend to appreciate the need to promote and advance family needs and welfare. Also, the results indicate that other close associates or relatives are involved in women’s contraceptive lives. These close relations are what describes as a social network in Bronfenbrenner social-ecological framework. Besides, there are multiple socio-cultural and economic obstacles that could work against achieving desired fertility levels. It is recommended that family planning programmes should not focus on only women, but include male partners to enhance a change in behaviour and norms regarding power and gender roles that do not make them supportive partners. There is a need for a high-level promotion through civil society to encourage men to get involved in family planning matters. This will help women or couples to freely adopt their desired fertility control methods without hindrance.

The study sought to analyze the communicative functions of metaphors in Selected political speeches of Mr. John Dramani Mahama. Critical Metaphor Analysis (CMA) developed by Jonathan Charteris-Black as an approach solely for the analysis of metaphors in political discourse was adopted as a theoretical framework for the study. The study is rooted in a qualitative research approach and grounded in textual analysis as the design. The sampling method adopted in the study was purposive, and the analysis was done in line with the research question posed. The study has shown that language plays a crucial role in human existence as a means of communicating world events. The study has also revealed that in Critical Discourse Analysis, metaphor is conceived as speech actions which build together to create coherent social interactions. This study has indicated that metaphor is a cognitive phenomenon other than a purely lexical one. The study concludes that metaphor is a deep-seated conceptual phenomenon that shapes the way we think (and not just the way we speak). Working inductively from the bottom up with a metaphor, CDA has been able to reveal a rich body of facts about discourse and demonstrate that CDA follows an elaborate, but systematic, set of rules or architecture. It is recommended that future studies could explore the possibility of quantifying the frequency of the occurrence of metaphors and known end results to find out whether there is a correlation between the number of metaphors and persuasion. It is also recommended that research could also be carried out into Ghanaian politics as a discourse community with a view to unearthing language basically associated with that vocation. A study could also be conducted into the use of other rhetorical/oratorical devices, e.g. the politicians’ use of analogy in their speeches.

There is an ongoing debate regarding how to feed Sub-Saharan Africa's fast rising population in the long run, as well as the implications for food security. To maintain food security, various strategies have been recommended, including a focus on the significance of diversifying and improving people's diets. Proposals have been tabled elsewhere with a primary focus on enhancing agricultural inputs and technology adoption in order to increase agricultural production and productivity, hence strengthening food security. The current opinion piece attempts to contribute to this debate by examining smallholder agriculture and its role to African food security. This discussion proposes a future paradigm shift toward a gendered climate-smart smallholder agriculture and food production and security conceptual framework based on the promotion and development of smallholder agriculture and food production and security. Therefore, it's predicated that the micro-livestock-centered approach can remodel smallholder agrarian households and communities toward a gender-inclusive global climate change adaptive smallholder agriculture to strengthen production, supply, and food security in Sub-Saharan Africa. For Africa, today’s predicament is to ensure food security for the anticipated rapid population expansion, while on the other hand handling an overall net adverse effect of worldwide global climate change, and increased socio-economic ills associated with gender inequality in smallholder agriculture and ensuring long-term agriculture sustainable development. The failure to address gender inequality in smallholder agriculture and food production and pontificate of global climate change effect has thrown Sub-Saharan Africa into a state of perpetual food scarcity and insecurity because of low agricultural productivity and food supply, and by force of circumstances exposing the agricultural communities and its people to extreme poverty and nutrition and food insecurity. Therefore, it's predicated that the micro-livestock-centered approach can remodel smallholder agrarian households and communities toward a gender-inclusive global climate change adaptive smallholder agriculture to strengthen production, supply, and food security in Sub-Saharan Africa. For this purpose, this discussion proposes a future paradigm shift towards a gendered climate-smart smallholder agriculture and food production and security conceptual framework hinged on the promotion and development of the micro-livestock and/or unconventional animal species sub-sector to strengthen food security on the continent. Overall, the discussion emphasizes the importance of taking immediate action to alleviate the negative effects of climate change and address gender inequality through promotion of micro livestock to assist in the development of long-term adaptation measures to maintain smallholder agricultural productivity.

This paper examined the language of persuasion and negotiation in the Ghanaian market context using a local community market (Agartha Market) in Koforidua as a case study. It investigates how the language of persuasion and negotiation is couched in the context of the market by both traders and customers. The theoretical framework within which this study is hinged is the stylistic theory of Leech and Short [1]. Specifically, the grammatical and figure-of-speech prong of the theory have been used. While observation and audio recordings were used to collect the data, the content descriptive method was used in the description and analysis of the data. The findings revealed that, relative to sentence complexity, persuasion and negotiation made adequate use of compound sentences than simple sentence structures. While simple sentence structures are used by traders to attract customers’ attention and arouse their psychological interest and curiosity, customers used them in negotiations for mainly interrogative and position-shift purposes. Compound and complex structures were used by traders for elaborative purposes in order to espouse the good qualities that are inherent in their products in order to convince their customers to buy their wares. Figuratively, repetition, hyperbole, and suspense are the key tropes used. These tropes are dominant in persuasion than in negotiation. Again, while the language of persuasion is monologue that of negotiation is dialogue. Code-mixing is also common characteristic in the language of negotiation and persuasion. The dominant local language (Twi) and the official language (English) are usually used in the communication process. This research thus has implication for research and pedagogy as it extends the literature and can also influence the restructuring of educational polices especially those related to language since society and school (education) are intricately related.

Climate change and weather-related disasters are speeded very fast in the last decades with the consequences bringing to humanity: insecurity, destructing the ecological systems, increasing poverty, human victims, and economical losses everywhere on the planet. The innovative methods applied to mitigate the magnitudes of natural disasters and to combat effectively their negative impact consist of remote and earth constantly monitoring, data collection, creation of models for big data extrapolation, prediction, in-time warning for prevention, and others. Artificial intelligence (AI) is used to deal with big data, for calculations, forecasts, predictions of natural disasters in the near future, the establishment of the possibilities to escape the hazards or risky situations, as well as to prepare the human being for adverse changes, and drawing the different choices as assistance the right decision to be accepted. Many projects, programs, and frameworks are adopted and carried out the separate governments and business makers to common goals and actions for the formation of a friendly environment and measures for reducing undesired climate alterations and cataclysms. The aim of the article is to review the last programs and innovations applied in the mitigation of climate change using AI.

In mid 2000s, a new Fintech era has commenced which is known as “Crowd lending” or “FinTech Credit” whereby credit activities are realized online through internet platforms that match borrowers with lenders (investors). Those kinds of lending activities are named Peer to Peer Lending (P2P). The purpose of this study to elaborate the functioning and regulatory framework of P2P lending in US and China. Those two countries can be considered as two conspicuous example of the application of P2P lending especially in terms of regulation. China transformed its P2P market in 2015 after a long loose regulation period and US from the very beginning applied a strict regulation on the market. By that way, a set of terms of regulation is aimed to be proposed especially for the emerging market countries. It is thought that P2P lending can contribute to the economic development of the emerging market countries if it is applied properly. The contribution of this study to newly developing literature is to provide a comparison and also a set of terms of regulation to be applied in the emerging market countries.

The study objective was to assess the perceptions of Junior High School (JHS) Social Studies teachers in the Yilo Krobo Municipality of the Eastern Region of Ghana on teachers’ Pedagogical Content Knowledge (PCK). The study adopted Shulman's theory of Pedagogical Content Knowledge (PCK) as its theoretical framework. The philosophical approach upon which the study is hinged on is the ideology of interpretivism and positivism, in other words, pragmatism. The study used a mixed methodological approach as well as a descriptive survey design. A random sampling technique was used for the study. The study participants were JHS social studies teachers in Yilo-Krobo Municipality, Ghana. Eighty (80) out of the one hundred and two (102) representing 78.43% JHS Social Studies teachers were selected from the fifty-four JHSs in the Municipality. Both Questionnaire and interview guide were used for data collection. The survey data was analyzed using descriptive statistics and the interview data was analyzed using content analysis. The study indicated that at the heart of the PCK concept is the idea that 'deep knowledge' of content is essential for effective teaching and cannot be taken for granted; that it has a significant bearing on teaching and student learning, and that it is used as a cadre to define professional teaching knowledge. PCK also provides the uniquely necessary knowledge for the transformation of the different types of knowledge required for Social Studies teaching and evolves over time due to the progressive awareness of students' needs, while a wealth of content knowledge is imperative for the development of a comprehensive pedagogical content knowledge. The paper recommends that the Ghana Education Service (GES) should conduct regular in-service training for teachers on the enhancement of their PCK, to enable them select appropriate TLMs and pedagogical approaches that foster meaningful learning for students.

The savant syndrome is a syndrome that is associated with certain cognitive disorders and is as-sociated with limitations but also with individual significant abilities. The nature and expression of the syndrome is very heterogeneous, which means that many facets of the syndrome have not yet been researched. The object of the study described below was to approach the research gap on the topic of "work and employment" in particular with initial results, since up to now both topics have only been adequately researched in isolation. In doing so, the influence of the profit orienta-tion of organisations on the employability of savants was investigated. Correlations between non-profit organisations and companies with other parameters such as the implementation of a company health management or the general employment of severely disabled people could al-ready be proven in previously conducted studies. The method used was a quantitative survey of 465 dependent employees. The ability to integrate was expressed by a total score, which was an additive index consisting of the dimensions strengths, weaknesses and framework conditions. Although the proportion of severely disabled employees is higher in the public sector and compa-ny health management is also partly obligatory, no significant differences in the employability of island gifted people could be found compared to the free economy.

This study aims to consider how science fiction television series Doctor Who (Sydney Newman, 1963-1989, 2005) has undergone changes in representations of ethnicity since 2005. The Doctor, who is a representation of immigrants from the very beginning, was embodied in white, heterosexual men until the 11th season. Last season is the first season since 1963 when a woman is the Doctor. In addition, this season, the Doctor's three companions are Ryan who is a black man, Yaz who is a Pakistani-British woman and Graham who is a middle-aged white man mourning his wife Grace who was black. In this study, it is aimed to analyze the features that make this season different from the others in terms of representations of ethnicity by using visual data analysis techniques and Smith's national identity theory. In this study, it has been proposed that the previous episodes of the Doctor Who television series were problematic in case of representations of ethnicity, and the ongoing representations of ethnicity are changing under the leadership of the female Doctor and his ethnically diverse companions during the era of Chris Chibnall and the episodes are examined using this framework.

This study is a critical analysis of the language and themes used by the under listed five African poets: The Cathedral by Kofi Awoonor, Troubadour by Dennis Brutus, Telephone Conversation by Wole Soyinka, I Will Pronounce Your Name by Leopard Seder Senghor, and If You Should Know Me by Oswald Mbuyiseni Mtshali. Its main thrust is, therefore, the isolation and discussion of the elements of language and the themes that make up the artistic framework upon which their individual poems are based. The writers employ Critical Race Theory as the framework for this work. It looks at how individually and collectively they tackle the theme of racism as well as their choices of language in expressing their contempt to this social canker. The study narrows down to a discussion of the artistic positions of the authors within these two basic narrative variables. An examination of the various artistic strategies employed to create a multi¬plicity of poetic fronts and their attendant scenes as well as backgrounds are what these divisions of the study target. It is this primacy of the artistic theme that this study dwells upon. The study intends to condemn this social injustice that brings separation rather than cohesion to human race. It is recommended that the Ministry of Education and Ghana Education Service should organise essay competition on these African Poets' books to bring social cohesion among students in Ghana and Africa as a whole.

Introduction: One Key Question® is a patient-centered tool that seeks to understand patient pregnancy intention and counseling. This pilot study aimed to assess implementation of OKQ at an urban healthcare facility and improve understanding of short interpregnancy intervals (IPI). Methods: We describe the implementation of OKQ in our setting using the Diffusion of Innovation Theory as a framework. We broke this up into two phases – the first to assess provider acceptance of the OKQ integration into the clinic workflow and the second to assess how well documentation of OKQ answers occurred in our EMR. Results: Most providers in the first phase reported awareness of the inclusion of OKQ in the EHR, yet most physician providers reported only using OKQ at “some visits” (n=5) compared to the MAs, who reported using OKQ at “every visit” (n=8). Most providers felt that OKQ was an effective method of providing preconception and contraception care for women of reproductive age (n=10). Sixty-four patients completed a survey on OKQ after their visit who identified as young (mean age 28.7), either Black (46.9%) or Hispanic (51.6%) and pregnant (61%). Of those, 83% reported that they were not asked OKQ and 42% reported receiving counseling on optimal IPI. In those patients, 78% had documentation of usage of OKQ in the medical record. Discussion: The implementation of OKQ provided an opportunity to provide standardized preconception and contraception care to our patient population and improve information regarding short IPI. However, challenges existed in implementation which much be overcome to benefit from OKQ. Significance: OKQ has been used successfully in primary care and other settings to assess pregnancy intentions. This article adds to the literature by investigating the implementation of OKQ in a low-resource setting during prenatal and gynecology care. It shares struggles of implementing OKQ in an electronic medical record and how to roll out this program in a setting where pregnancy intention already is including in various forms by our providers.

The purpose of this article was to look into Saudi anti-fraud legislation and regulations in order to see how consistent the Kingdom's legal system, which is predominantly found on Islamic principles, is with a wide range of criminal and economic infractions. The main laws relating to fraud were described, and numerous types of fraud were examined, in order to attain this purpose. The discourse also necessitated an examination of the Islamic perspective on deception and fraud. The analysis revealed that Shariah law, which is concerned with property protection, incriminates and punishes individuals who obtain wealth by illegal methods, the nature of the sanctions, however, is left to the discretion of rulers and judges. Based on this, Saudi legislators have enacted a set of anti-fraud measures. These laws were examined to see how well they addressed economic crimes in the Kingdom. Anti-fraud legislation establishes a legal and regulatory framework compatible with Islamic Shariah for dealing with fraud and economic crimes, with the goal of protecting the public interest, maintaining integrity, and regulating the Kingdom's economy. The primary goal of this study is to explore the challenges and risks associated with enforcing anti-fraud laws in the context of Islamic justice principles. In this study, a descriptive research design was adopted. The key objective of this study is to determine the nature of the problem and analyze the evidence collected. Because of the lack of secondary data and the rigorous restrictions governing the reporting of fraud incidents in Saudi Arabian financial institutions. The study's hypotheses could not be tested substantively because all assumptions concerning the research findings are far-fetched.

Chile is part of the phenomenon of Environmental Constitutionalism developed in the Latin American region. Thus its Political Constitution contemplates the right of people to live in an environment free of contamination and establishes duties for the state regarding the law and the protection of the environment. However, this formula has been deficient, which warrants rethinking the issues related to the environment at the constitutional level. This work follows this path from the study of the constitutional reform projects currently in the National Congress to systematize analysis at the service of a change that is the basis for an adequate environmental legal framework, respectful of human rights human beings and that maximizes the protection of the environment.

COVID-19 demonstrated a global catastrophe that touched everybody, including the scientific community. As we respond and recover rapidly from this pandemic, there is an opportunity to guarantee that the fabric of our society includes sustainability, fairness, and care. However, approaches to environmental health attempt to decrease the populations burden of COVID-19, toward saving patients from becoming ill along with preserving the allocation of clinical resources and public safety standards. This paper explores environmental and public health evidence-based practices toward responding to Covid-19. A literature review tried to do a deep dive through the use of various search engines such as Mendeley, Research Gate, CAB Abstract, Google Scholar, Summon, PubMed, Scopus, Hinari, Dimension, OARE Abstract, SSRN, Academia search strategy toward retrieving research publications, “grey literature” as well as reports from expert working groups. To achieve enhanced population health, it is recommended to adopt widespread evidence-based strategies, particularly in this uncertain time. As only together can evidence-informed decision-making (EIDM) can become a reality which include effective policies and practices, transparency and accountability of decisions, and equity outcomes; these are all more relevant in resource-constrained contexts, such as Nigeria. Effective and ethical EIDM though requires the production as well as use of high-quality evidence that are timely, appropriate and structured. One way to do so is through co-production. Co-production (or co-creation or co-design) of environmental/public health evidence considered as a key tool for addressing complex global crises such as the high risk of severe COVID-19 in different nations. A significant evidence-based component of environmental/public health (EBEPH) consist of decisions making based on best accessible, evidence that is peer-reviewed; using data as well as systematic information systems; community engagement in policy making; conducting sound evaluation; do a thorough program-planning frameworks; as well as disseminating what is being learned. As researchers, scientists, statisticians, journal editors, practitioners, as well as decision makers strive to improve population health, having a natural tendency toward scrutinizing the scientific literature aimed at novel research findings serving as the foundation for intervention as well as prevention programs. The main inspiration behind conducting research ought to be toward stimulating and collaborating appropriately on public/environmental health action. Hence, there is need for a “Plan B” of effective behavioural, environmental, social as well as systems interventions (BESSI) toward reducing transmission.

Environmental regulation is one of the most important subsets of social regulation. Regulation is a framework for implementing the rules adopted in society, and legal standards guarantee this framework. Thus, if the legislation prohibits the dumping of waste on public waterways and imposes a penalty for its violation, this prohibition can be interpreted as an expression of society's public commitment to environmental protection and public condemnation of polluting behaviors. On the other hand, it can be said that the destruction of the environment is morally wrong, and therefore the legal prohibition of these behaviors can be interpreted as an expression of this moral claim. This research is based on library studies and descriptive-analytical methods and has an innovative approach. The purpose of this study is to explain the role of law as a facilitator of the executive structure of environmental regulation inappropriate conditions in line with social interaction. It also seeks to explain the importance of regulation and regulation. Regulation is one of the most important social standards and guarantees the strong implementation of legal obligations in society. This fundamental standard has been established in public law and seems to be an important approach to protecting the environment and citizens' adherence to environmental obligations.

Due to influence of Internet, this e-commerce sector has developed rapidly. Most of the online retailing or selling businesses are seeking for way for predicting their products demand. Sales forecasting may help retailers develop a sales strategy that will enhance sales and attract more money and investment. The current research work puts forward a machine learning framework to forecast E-commerce sales for strategic management using a dataset of E-commerce transactions. With 70 percent of the data for train and 30 percent for test, three models were produced, namely, Random Forest, Decision Tree, and XGBoost. In order to evaluate the models, performance measures inclusive of R-squared (R²) and Root Mean Squared Error (RMSE) were employed. Thus, the XGBoost model was the most accurate in marketing predictive capabilities for E-commerce sales with the R² score of 96.3%. This has demonstrated the increased capability of XGBoost algorithm to forecast E-commerce monthly sales more accurately than other models and can assist decision makers for managing inventory and arriving smart and quick decisions in this rapidly growing E-commerce market. The findings reiterate the importance of using advanced analytics in order to drive effectiveness and customer experience within E-commerce sector.

The unrelenting proliferation of data, entwined with the prevalence of mobile devices, has given birth to an unprecedented growth of information obscured by noise. With the Internet of Things and myriad endpoint devices generating vast volumes of sensitive and critical data, organizations are tasked with extracting actionable intelligence from this deluge. Governments and enterprises alike, even under pressure from regulatory boards, have strived to harness the power of data and leverage it to enhance safety and security, maximize performance, and mitigate risks. However, the adversaries themselves have capitalized on the unequal battle of big data and artificial intelligence to inflict widespread chaos. Therefore, the demand for big data analytics and AI/ML for high-fidelity intelligence, surveillance, and reconnaissance is at its highest. Today, in the cybersecurity realm, the detection of adverse incidents poses substantial challenges due to the sheer variety, volume, and velocity of deep packet inspection data. State-of-the-art detection techniques have fallen short of detecting the latest attacks after a big data breach incident. On the other hand, computational intelligence techniques such as machine learning have reignited the search for solutions for diverse monitoring problems. Recent advancements in AI/ML frameworks have the potential to analyze IoT/edge-generated big data in near real-time and assist risk assessment and mitigation through automated threat detection and modeling in the big data and AI/ML domain. Industry best practices and case studies are examined that endeavor to showcase how big data coupled with AI/ML unlocks new dimensions and capabilities in improved vigilance and monitoring, prediction of adverse incidents, intelligent modeling, and future uncertainty quantification by data resampling correction. All of these avenues lead to enhanced robustness, security, safety, and performance of industrial processes, computing, and infrastructures. A view of the future and how the potential threats due to the misuse of new technologies from bandwidth to IoT/edge, blockchain, AI, quantum, and autonomous fields is discussed. Cybersecurity is again playing out at a pace set by adversaries with low entry barriers and debilitating tools. The need for innovative solutions for defense from the emerging threat landscape, harnessing the power of new technologies and collaboration, is emphasized.

The management of supply chains is increasingly complex. This study provides a comparative analysis of the cost-benefit analysis for managing various risks. It identifies the financial implications of leveraging artificial intelligence in supply chains to better address risk. Empirical results show a business case for managing some sources of risk more proactively facilitated through predictive modeling techniques offered by AI. Across investigation streams, the use of AI results in an average total cost saving ranging from 41,254 to 4,099,617. Findings from our research can be used to inform managers and theorists about the implications of integrating AI technologies to manage risks in the supply chain. Our work also highlights areas for future research. Given the growing interest in studying sub-second forecasting, our research could be a point of departure for future investigations aimed at considering the impact of forecasting horizons such as an intra-day basis. We formulate a conceptual framework that considers how and to what extent performance evaluation metrics vary according to differences in the fidelity of predictive models and factor importance for identifying risks. We also utilize a mixed-method approach to demonstrate the applicability of our ideas in practice. Our results illustrate the financial implications of integrating AI predictive tools with business processes. Results suggest that real-world companies can circumvent inefficiencies associated with trying to manage many classes of risk via the use of AI-enhanced predictive analytics. As managers need to justify investment to top management, our work supports decision-making by providing a means of conducting a trade-off analysis at the tactical level.

The pharmaceutical industry is fundamental to global healthcare, providing essential medicines that improve health outcomes and quality of life. However, the demand and supply dynamics within this sector are highly complex, shaped by various factors including demographic changes, evolving disease burdens, technological advancements, regulatory challenges, and economic pressures. This manuscript explores the intricate relationship between pharmaceutical medicine demand and supply, focusing on key strategies that can help companies effectively navigate these challenges. The demand for pharmaceutical products is driven by several factors, such as population growth, the aging population, the rise of chronic diseases, and the emergence of new health threats. Additionally, healthcare accessibility, affordability, and policy changes significantly impact the consumption of medicines, while innovations in medical technologies and therapies create new treatment needs. On the supply side, pharmaceutical companies face challenges related to manufacturing capacity, raw material availability, distribution logistics, and compliance with ever-evolving global regulatory frameworks. To address these challenges, the manuscript discusses strategic approaches to managing both demand and supply in the pharmaceutical sector. Key strategies include advanced demand forecasting through data analytics, optimizing supply chains for efficiency and resilience, implementing just-in-time inventory models, and investing in flexible manufacturing systems. Furthermore, global collaboration and partnerships, as well as effective risk management practices, are highlighted as essential to ensuring the availability of medicines, particularly in times of crisis or global health emergencies. This manuscript also delves into the role of policy advocacy and regulatory harmonization in stabilizing the pharmaceutical market, ensuring that medicines are accessible to all populations. In conclusion, the pharmaceutical industry must continually adapt to meet the evolving challenges of demand and supply, embracing innovation and collaboration while maintaining a focus on patient access and global healthcare equity. Through strategic planning and adaptive solutions, the pharmaceutical sector can ensure the continuous availability of critical medicines worldwide, meeting both current and future health needs.

The global pharmaceutical supply chain plays a crucial role in ensuring the timely and safe delivery of medicines to patients worldwide. However, the increasing presence of counterfeit drugs within this supply chain poses a significant and growing risk to public health, patient safety, and the integrity of the pharmaceutical industry. Counterfeit drugs—medications that are fraudulently manufactured, mislabeled, or contain incorrect or harmful ingredients—are a major concern as they can lead to ineffective treatments, adverse health effects, and even death. Despite stringent regulatory frameworks and advanced technological solutions, counterfeit drugs continue to infiltrate legitimate supply chains due to factors such as the complexity of the distribution system, global trade practices, and inadequate enforcement in certain regions. This manuscript explores the primary causes behind the proliferation of counterfeit drugs in pharmaceutical distribution, the associated risks, and the multifaceted approaches required to address this growing threat. It discusses the importance of regulatory measures, including international cooperation and stronger compliance frameworks, as well as the role of emerging technologies like serialization, blockchain, and RFID in ensuring traceability and product authenticity. By focusing on the integration of these technologies, the paper also highlights the potential of innovative solutions to enhance transparency, reduce vulnerabilities, and protect the integrity of pharmaceutical supply chains. Additionally, it emphasizes the importance of public awareness campaigns and collaboration between key stakeholders, including pharmaceutical manufacturers, distributors, regulators, and healthcare providers, in creating a more secure and trustworthy pharmaceutical distribution ecosystem. Through a comprehensive exploration of these strategies, this manuscript aims to provide a roadmap for mitigating the risks posed by counterfeit drugs and ensuring the safety and efficacy of medicines for consumers worldwide.

We investigate and analyze the trends and behaviors in credit card fraud attacks and transactions. First, we perform logical analysis to find hidden patterns and trends, then we leverage game-theoretical models to illustrate the potential strategies of both the attackers and defenders. Next, we demonstrate the strength of industry-scale, privacy-preserving artificial intelligence solutions by presenting the results from our recent exploratory study in this respect. Furthermore, we describe the intrinsic challenges in the context of developing reliable predictive models using more stringent protocols, and hence the need for sector-specific benchmark datasets, and provide potential solutions based on state-of-the-art privacy models. Finally, we conclude the paper by discussing future research lines on the topic, and also the possible real-life implications. The paper underscores the challenges in creating robust AI models for the banking sector. The results also showcase that privacy-preserving AI models can potentially augment sharing capabilities while mitigating liability issues of public-private sector partnerships [1].

The multitude of services and resources available in multi-cloud environments has increased the importance of analytics applications in cloud brokering. These applications can orchestrate services and resources that reside in different domains and require inputs that a single cloud provider could not easily acquire. Yet, despite their distinct characteristics, multi-cloud analytics users have no voice in the ranking of the services in brokerage marketplaces. In this chapter, we introduce the concept and propose the implementation of explainable analytics to increase transparency and user satisfaction in multi-cloud environments. The criteria that we have identified and measured in order to summarize them in explainable results allow cloud users to acquire an understanding of the ranking rules, a crucial requirement in trustful decision-making. Our proposal accounts for a set of regulations for intelligent systems and targets their specific adaptation and use in multi-cloud environments.