However, third-party payer systems became more popular with the increased bureaucratization of healthcare, particularly with the spread of HMOs and their complex paperwork for referrals. The use of third-party payers means "the processing of payments for insurance and other duties are handled" by another agency that is responsible for collecting premium payments and issuing reimbursements (Easey 2009). It has been alleged that the use of such third parties means that

"Forecasts by Moody's Economy.com now use a 20 percent drop in median existing-home prices from their 2005 peak as a baseline, with prices weakening through at least mid-2009" (Shinkle, 2008, p. 44). Moody's director of housing economics Celia Chen, states in the same report that the 20% decline is the good news and that the bad news is that it could easily be more than that. The worst-case scenario is a lot more than that. "You

A fourth foundational element is the strength of the Starbucks brand itself and is ubiquity globally. As a result of rapid and well-defined strategies for opening up retail stores, Starbucks is now considered one of the most preeminent and strongest brands globally. Starbucks has generated the strength of their brand through combining high-quality coffee and tea beverages with the third-place concept to generate customer loyalty and world-of-mouth among customers and their

Qantas Airlines Qantas is the world's second oldest airline. Founded in the Queensland outback in 1920, it is Australia's largest domestic and international airline and is recognized as one of the world's leading long distance carriers, having pioneered services from Australia to North America and Europe. The Qantas Groups today employs approximately 32,500 people and offers services across a network spanning 182 destination sin 44 countries (including those covered by codeshare

From this came our insistence on the drama of the doorstep" (cited by Hardy 14-15). Grierson also notes that the early documentary filmmakers were concerned about the way the world was going and wanted to use all the tools at hand to push the public towards greater civic participation. With the success of Drifters, Grierson was able to further his ideas, but rather than directing other films, he devoted his time

In a report on recent research in this area, Hickman (2008) states that, "Although the public recycle newspapers and bottles, only one eighth of clothes are recycled through charity shops About 70 per cent goes straight to landfill or incineration" (Hickman). This is telling example, of the way that Fast Fashion can affect the environment. The fact that these fashions are relatively cheap means that they are more easily discarded that