Thursday, September 3, 2020

You Decide Assignment Example | Topics and Well Written Essays - 250 words

You Decide - Assignment Example This will assist with facilitating the inflationary weight in the economy, which will decrease total interest. I likewise concur with Tanney’s suggestion about expanding loan fees and raising the Federal Reserve prerequisites, since it will help in decreasing getting rates. This strategy will make it increasingly alluring for speculators to set aside their cash, since the financing costs are high, which diminish discretionary cashflow (Epstein, 2007). In a similar case, I can't help contradicting Lopez’s recommendation that the administration should disregard loan fees and spotlight on Federal Reserve prerequisites. As I would see it, the two variables go together in lessening expansion. I additionally can't help contradicting Burke’s proposal that the legislature should bring down loan fees, since it will negatively affect the expansion being seen. At long last, I would make a proposal the legislature ought to present some type of pay control arrangements, since a sharp development in compensation causes expanded swelling (Krugman and Wells, 2009). For this situation, the legislature should concentrate on wage control which will guarantee that the expansion rate is

Saturday, August 22, 2020

Steven Coveys The 7 Habits of Highly Effective People Essay -- Stephe

Steven Covey's The Seven Habits of Highly Effective People In the book, The Seven Habits of Highly Effective People by Steven Covey, exercises for individual change are introduced in an extremely incredible and justifiable manner. The Habits can be applied to our own lives, our initiative of others, a school or whatever other association that can be run all the more viably. Be that as it may, before a use of these Habits can be made, a fundamental comprehension of the material introduced in the book must be acquired. Examination with other initiative styles and speculations can explain and strengthen this understanding also. At last, application can be made to a specific setting, a school. Where an individual or association falls on a continuum from adolescence to development or from reliance to freedom to relationship is a vital aspect for deciding its viability. In creating viability then a development toward association (development) must be made. This is like the Immaturity-Maturity Theory proposed by Argyris (Hersey 73-76). As we move along a continuum from youthfulness to development, we become progressively autonomous, dynamic, mindful and in charge of our own lives. This development requires an adjustment in our propensities and change is normally troublesome. On the off chance that we are to turn out to be increasingly viable individuals or increment the adequacy of the association we are a piece of we should acknowledge the truth of, â€Å"No torment, no gain.† So as to encourage the change procedure, Covey proposes that an emphasis on the character ethic is significant. Numerous individuals today, conversely, center around the character ethic. They center around aptitudes and strategies and their open picture in managing individuals. They do what they need to do to glance great in the open eye yet frequently ... ...particle, instructive pioneers are going to need to keep on taking a shot at changing the present standards of state funded training. The whole thought behind the Seven Habits of Highly Effective People is that we should begin where we are with what our identity is to become mindful. Mindfulness, creative mind, heart and free will permit us to imaginatively experience our day by day lives, circumstances, or others and adequately influence our lives. By assuming responsibility for our own lives and reacting decidedly we can develop as individuals and live more joyful lives. Works Cited Group, Stephen R. (1989). The Seven Habits of Highly Effective People: Powerful Lessons in Personal Change. New York, New York: Fireside. Hersey, P., Blanchard, K., and Johnson, D. (1996). The executives of Organizational Behavior: Utilizing Human Resources (seventh ed.). Upper Saddle River, NJ: Prentice Hall.

Friday, August 21, 2020

Negative Impact of Genetically Modified Crops free essay sample

Hereditary designing or hereditary alteration, in this way, includes the control of qualities inside an animal varieties, and may likewise include the exchange of genesâ€and accordingly the attributes represented by those genesâ€from one animal categories to another. Unconstrained adjustment of qualities happens normally and some of the time to no avail. An unconstrained modification can prompt the advancement of both positive and negative attributes. The strategy isn't especially acceptable if the expectation is to make explicit changes. Hereditarily altered foodsâ are nourishments inferred fromâ genetically changed life forms, (GMOs). Hereditarily altered life forms have had explicit changes brought into their DNA byâ genetic engineeringâ techniques. Hereditary designing objectives in agribusiness incorporate improving harvest creation and presentation of new attributes, for example, upgraded supplements, temperature opposition, or the capacity to develop in saltier soils. Certain attributes may permit a hereditarily adjusted (GM) yield to be developed, reaped, or delivered at lower cost or with less Introduction harm and may permit the harvest to be developed utilizing less pesticide. We will compose a custom exposition test on Negative Impact of Genetically Modified Crops or then again any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page One of the first and still the most across the board employments of GM crop innovation was the advancement of yields impervious to normal bug bugs Bacillus thuringiensis (contracted as Bt),which is a typical soil bacterium and discharges some deadly protein. In this procedure, first the ideal hereditary material is secluded from the ideal plant or living being, at that point it is enhanced and the last advance includes the inclusion of the hereditary material into the host plant/harvest to deliver a hereditarily changed yield through various techniques. Harvests may yield totally new items that are not regularly gotten from conventional cropsâ€such as drugs, now and again. The procedure of hereditary building point to the capability of GM harvests to improve human wellbeing and increment ecological assurance. In any case, there are sure dangers of GM crops, which may exceed their advantages. The issues encompassing the hereditary designing of yields can be a ground-breaking learning setting for showing thoughts the idea of science, hereditary qualities, and the utilization of innovation.

Wednesday, June 10, 2020

Federal and Private Student Loans from A to Z

HomeFinanceFinancial aidFederal and Private Student Loans from A to ZThis page may contain affiliate links.Dec 19, 2019If your student is going to need loans for college, it pays to know what’s available in federal and private student loans. As of 2018, two-thirds of college graduates had debt when they left school, with an average of $29,800. When you are looking for student loans, there is a dizzying array of options. Broadly, there are federal loans from the government, and private loans through banks and other lenders. Within each category is a variety of loan types, each with their own pros and cons. Students should always use and max out federal loans before looking into private borrowing. Federal loans are generally cheaper, easier to obtain, and have better repayment terms and conditions than private loans. What Are Federal Student Loans? Federal loans are borrowed from the federal government. They offer fixed interest rates, along with protections and favorable repayment terms. Some of their benefits include income-based repayment, longer deferment options, and loan forgiveness opportunities. Direct or Stafford Federal Loans Direct loans from the government can be subsidized or unsubsidized. A subsidized loan is a better deal, because the government will pay the interest on the borrowed money while the student is in school and for six months after graduation. Subsidized loans are only available to students who demonstrate a financial need as determined by the FAFSA. Unsubsidized direct loans are available to any student, but begin accruing interest right away. The 2019 interest rate for direct undergraduate student loans is 4.53%. For graduate students the rate is 6.08%. Undergrad or graduate students are eligible for direct loans, whether dependent or independent. In order to borrow a subsidized or unsubsidized federal loan, you MUST fill out the FAFSA. As of 2018, the maximum total amount of direct loans a student can borrow during their college career is: Year one maximum of $5,500, up to $3,500 subsidized Year two maximum of $6,500, up to $4,500 subsidized Year three and onward maximum of $7,500 per year, up to $5,500 subsidized$31,000 for dependent undergraduates, no more than $23,000 subsidized Year one maximum $9,500, up to $3,500 subsidized Year two maximum $10,500, up to $4,500 subsidized Year three and onward maximum of $12,500 per year, up to $5,500 subsidized$57,000 for independent undergraduates, no more than $23,000 subsidized $138,000 for graduate students, which includes undergraduate loans, no more than $65,500 subsidized. Federal PLUS Loans A PLUS loans is often known as a Parent PLUS loan because undergraduate students cannot obtain this loan directly. To be eligible, you have to be the parent of a dependent undergraduate, a graduate student, or enrolled in a professional education program. To qualify, the student must be enrolled at least half-time. The borrower’s credit will be reviewed for adverse events, but not specifically for credit score or debt-to-income ratio. If red flags are present, a cosigner may be required. There is no early release for a cosigner on a PLUS loan. A PLUS loan carries the highest interest rate of any federal loan, although it is still a fixed rate. Effective July 1, 2019, this rate was 7.08%. You can apply by submitting the FAFSA. A PLUS loan also has a 4.236% disbursement fee. A disbursement fee(and also called an origination fee) is kept by the lender when the loan is sent, meaning that you will only receive 95.7% of what you borrowed. However, you are responsible for repaying the full amount, with interest. The maximum for a PLUS loan is the cost of attendance, set by the school, minus any other financial aid received. Due to the higher rates and disbursement fees associated with a federal PLUS loan, it may be worth looking into if a student qualifies for private student-based loans first (most likely with a co-signer) and then compare the total cost of the loans. Heres more detail on everything you need to know about Parent Plus Loans. What Are Private Student Loans? Once federal loans have been exhausted, you may find that your student still has additional financial need. This is where private loans come in. There are private loans for students and for parents, and each one has its own terms and conditions. Unlike federal loans where rates and terms are the same for everyone, private loans are tailored to your credit and financial history. As a result, it pays to shop around. Private loans are available from banks, credit unions, and state agencies. Private Student Loans Private loans for students are a way to help pay for college if federal funds are not enough. A student will be reviewed by standard underwriting guidelines, which means that credit history and credit score are important. In most cases, a student’s credit history will not be strong enough to qualify, and they will need a cosigner. You will find both fixed-rate and variable-rate loan options. While variable rate loans may have a lower interest rate, it can change over time. This makes it hard to know exactly what future payments will be or how much interest you will pay. Certain private lenders may offer forbearance or deferment options, but it isn’t common. After graduation, a student’s new income and credit rating may allow private loans to be refinanced to get better interest rates. A federal PLUS loan can also be refinanced into a private student loan if a parent wants to shift the responsibility to the student. Heres more detail on everything you need to know about what private student loans are. You can seek private loans at a variety of financial institutions. Private Parent Loans Private parent loans were introduced to compete with federal PLUS loans, and have begun to gain ground as PLUS interest rates have increased. These loans may be lower priced than a federal PLUS loan, but they won’t have the benefits. If you have a federal PLUS loan, you may be able to refinance it into a private parent loan. This can help you save money on interest. Use Caution When Borrowing At the end of the day, every loan requires repayment. Encourage your student to look carefully at the financial arrangements they make for school. Late payments can have a big impact on credit history and the ability to make major purchases in the future. If a graduate has trouble finding a job, or can’t find well-paying work, large loans can become a major problem. Make sure you and your student borrow only what is truly needed for school. Rely as much as possible on working during school/summers and finding a school generous with grants and scholarships to help reduce the amount of money you may need to borrow. Before being approved for a loan, the borrower (you or your parents) will undergo a credit check to make sure they don’t have any red flags in their credit history. Graduate students and parents seeking to take out federal PLUS loans may also need a cosigner if they have any adverse credit history within the last five years, such as bills that are more than 90 days overdue, or a bankruptcy or foreclosure. Those who endorse a PLUS loan (the government’s term for a cosigner), cannot be released until the loan has been repaid in full. Servicers collecting payments on federal PLUS loans can use the same tactics against endorsers that they employ against the delinquent borrowers, including wage garnishment.† And from https://www.edvisors.com/college-loans/private/private-parent-loans/ Parent PLUS Loans generally do not require cosigners. However, if the borrower has an adverse credit history, the borrower can still qualify for a Parent PLUS loan by getting an endorser who does not have an adverse credit history. An endorser is similar in concept to a cosigner. While more than 90% of private student loans require a creditworthy cosigner, private parent loans generally do not require cosigners. Also, when private loans require a cosigner, they often offer a cosigner release option, while Parent PLUS Loans do not offer cosigner release options for endorsers.

Sunday, May 17, 2020

Essay on Health Literacy - 776 Words

Health Literacy Health illiteracy has become referred to as the silent epidemic. According to the U.S. Department of Health and Human Services website, the National Assessment of Adult Literacy showed only 12 percent of adults have proficient health literacy. That means nine out of ten adults may lack the needed skills to adequately manage their health and prevent disease. Healthy People 2010 define health literacy as â€Å"the degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health care related decisions.† These are the skills that people need to find the right place in the hospital, fill out insurance forms, and communicate appropriately with†¦show more content†¦Ã¢â‚¬Å"It was estimated in 1998 that between $35-73 billion was wasted in prolonged hospital stays and frequent doctors visits related to low health literacy† (Ickes, MEd Cottrell, DEd, CHES, 2010, p. 492). With all of the previously mentioned problems of poor health literacy, individuals who fall into these categories are also more likely to die at an early age. Is there a solution to this costly societal problem? The long-term solution rests in the hands of health education beginning in kindergarten and continuing throughout college. We need more community involvement with this issue. It not only affects the health illiterate but those that are very health literate. It raises the costs of health care enormously. Despite massive technological advances and that we spend twice as much per capita on healthcare in the United States, we remain one of the unhealthiest nations in the world. Low health literacy contributes to our grim future. We have high rates of infant mortality; increased mortality related to chronic, preventable disease processes; and cancer mortality could be greatly reduced by early detection. Health literacy is both a consumer and public healthcare issue. As a health care provider, it is not only my responsibility to ensure that you understand your health and what is going onShow MoreRelatedHealth Literacy And The Health1603 Words   |  7 Pagesexpectancy, but as a nation we are sicker. In May of 2010 the United States Department of Health and Human Services implemented The National Action Plan to Improve Health Literacy in efforts to improve health literacy and the health of the nation. The Center for Disease and Control defines Health Literacy as the level of which a person can access, communicate, evaluate and understand basic health information. Health Literacy can range from knowledge about preventative care, treatment and awareness of allRead MoreUnderstanding Literacy, And Health Literacy1665 Words   |  7 PagesUnderstanding Literacy, and Health Literacy An understanding of literacy, and health literacy is crucial to understand their impact on client health outcomes. Further, a nurse’s ability to better educate clients lies in his or her understanding of these terms. Literacy is a multilayered, dynamic and complex topic; however, in short literacy is a set of skills including reading, writing oral skills, numeracy skills, and skills that enable us to acquire knowledge and information (Keefe CopelandRead MoreUnderstanding Literacy, And Health Literacy1663 Words   |  7 PagesAn understanding of literacy, and health literacy is crucial to understand their impact on client health outcomes. Further, a nurse’s ability to better educate clients lies in his or her understanding of these terms. Literacy is a multilayered, dynamic and complex topic; however, in short literacy is a set of skills including reading, writing oral skills, numeracy skills, and skills that enable us to acquire knowledge and information (Keefe Cop eland, 2011). Literacy can be understood throughRead MoreEssay on Impact of Health Literacy on Health1193 Words   |  5 Pages Health literacy is defined as The degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health decisions (Michael K. Paasche-Orlow, 2010), the word Health literacy first appeared in 1974 in a paper which calls for â€Å"education standards for all grade school levels in USA† (Carolyn Speros, 2004) . Some recent works suggest that there is a relation between literacy, low health and premature deaths (ChristinaRead MoreHealth Literacy And Health Care2161 Words   |  9 PagesHealth literacy as defined in Cromier Kotrlik article â€Å"the ability to read, understand, and use health information to make appropriate health care decisions and follow instructions for treatment† (Cromier 2007). It is a problem that affects an estimated 47 million people in the US alone and costs an estimated 73 billion dollars a year. These costs come from increased hospitalizations, the use of less pr eventative medicine, as well as, the social stigma that comes with having poor health literacyRead MoreThe Influence Of Patient Health Literacy On Positive Health Outcomes1274 Words   |  6 Pages The Influence of Patient Health Literacy on Positive Health Outcomes Introduction With an increase in the number of new prescriptions hitting the market and the growing number of patients taking prescription medications, patient health literacy becomes a rising problem. Approximately ninety percent of Americans currently take prescription or over-the-counter medications; however, patients that have an inadequate health literacy level are more likely misinterpret or suffer adverse drug effectsRead MoreHealth Literacy And Its Effect On Health1501 Words   |  7 Pages Literacy is the ability someone has to read and write. Most of us are taught this skill when we are young. Those of us who learn this during childhood seem to forget this is a privilege not everybody has. The people who do not has this advantage are affected in more ways than we think. Especially when it comes to their health, this understanding is known as health literacy. â€Å"Health literacy is the degree to which individuals have the capacity to obtain, process, and understand basic health info rmationRead MoreHealth Literacy And Patient Safety836 Words   |  4 Pages Health Literacy and Patient Safety What if every other person that received help from a healthcare provider left the health facility and did not comply with anything the provider told them? The patient did not take the medication as directed, if at all, did not follow-up in 2 weeks to ensure adequate treatment and never improved, or did not care for their surgical wound, leading them to being hospitalized for sepsis. What is the point in going to seek help, if the patient is not going to do whatRead MoreThe Importance Of Identifying And Adapting Health Literacy967 Words   |  4 PagesPatient Health Literacy in Effective Workplace Communication Name: Georgia Pearson Student Number: n9994769 Course Code Name: PYB007 Communication for Healthcare Professionals Tutor: Michael Rowlands Tutorial: Wednesday, 1500 – 1700, N518 Word Count: Date: 10/04/2017 Queensland University of Technology The Importance of Identifying and Adapting to Patient Health Literacy in Effective Workplace Communication Effective communication plays an integral role in the workplace of health professionalsRead MoreHealth Literacy Is Defined As The â€Å"The Capacity To Obtain,1229 Words   |  5 PagesHealth literacy is defined as the â€Å"the capacity to obtain, communicate, process, and understand basic health information and services to make appropriate health decisions† (Koh et al., 2012, p. 1). When a patient has poor health literacy, they are more likely to have a poor outcome in regards to their health. There are bills and initiatives that address the need for patients to increase their health literacy as well as the healthcare providers’ responsibilities to provide the information in a way

Wednesday, May 6, 2020

Survival of 15 Year Old Girl Essay - 990 Words

It’s year 2036, the government has collapsed on itself, the economy crumbled. Riots Rebellion and violence fill the streets. The cities abandoned, suburbs a ghost town. Resources used up, and the chance of survival is rare. After the government shutdown, they couldn’t seem to start back up again. Attempts of restarting were common, but never successful. After the government was gone, the oil taken from the east was no longer being replenished, and being used up daily. Technology failed due to a virus and basic electricity we have depended on for centuries. The chance of survival for a 15 year-old girl is rare but this is my story of survival in a complicated and confusing world, alone. Common fears of society include the basic things†¦show more content†¦The government will have been shut down for a year, come January 2037. The result of the shutdown has been horrifying. There is barely any food in sight, and when there is food there is the struggle to get it. I have decided to make my way down south to attempt to survive the harsh winter of New Jersey. My journey will not be easy, but it has to be done otherwise I might not live to see the promised â€Å"rebirth† of our country. It was a cold day in the middle of September. I remember waking up in our bunker- hidden from civilization for the safety of our family- and seeing that we had a new message to our telephone. Hearing the message left from my parents I almost knew that the chances of them returning were slim: â€Å" We have run out of food in the bunker and in order to survive the next year we are going to have to restock. There is an abandoned supermarket about an hour walk away. The word had just gotten out that they have supplies and we have left to get there before anyone else. See you soon, Love Mom and Dad† I didn’t think that that would be the last time that I would hear their voices. I’m still in denial about them leaving me alone in a dangerous world left in ruins. Being alone is quite frightening, especially when you are a 14-year-old girl. I still barely understand why the world has come to this. In school we were taught about the government shutdowns and the economy stuff in brevity, but they neverShow MoreRelatedThe Culture Of The Thule Culture1428 Words   |  6 Pagesfishing nets, canoes, tea, and canvas tents (Netsilik, n.d). Adding these trading posts not only shows how adaptive the Netsilik are to other cultures, but it allowed them to get a hold of items with more advanced technology, thus survival could be made easier. Ten years further into the future, is when a mix of different cultures began, for in 1930 permanent non-native settlements began to appear. This demonstrated the Netsilik’s ability to adapt to new culture, for they quickly embraced new religionsRead MoreViolation of Child Rights1704 Words   |  7 Pageswhat they are, and to whom they are intended.†A child is any human being below the age of eighteen years, unless under the law applicable to the child, majority is attained earlier. , World leaders in 1989 decided that children needed a special convention, because children often need special care and protection that adults do not. The leaders also wanted to make sure that people under 18 year old have human rights too. UN Convention on the Rights of the Child was adopted and opened for signatureRead MoreCannibal Justice Essay1192 Words   |  5 Pagesby one the survivors start to die for no apparent reason. Starving, you start to eat their bodies by building a fire and roasting them as if you would roast a pig. Of course, you feel guilty, but after all, you are starving. Cannibalism can be a survival technique in extreme cases such as these. Even though cannibalism is most commonly believed to be the epitome of savage behavior (Bell), cannibalism is not always for pleasure, it can also be a way to survive because cultures all over the world practiceRead MoreModule 1 Case Assignment Essay662 Words   |  3 Pagesguarantee survival of only six people. The committee must decide which six are to be included from a list of twelve to go on and rebuild a new society. The twelve individuals they have to choose from are the following: A 36-year-old female physician, known to be a racist; Army drill instru ctor; African-American militant, biological researcher; Biochemist; Olympic athlete, all sports; movie star; third-year medical student, homosexual; 16-year-old pregnant female; 30-year-old Catholic priest; 38-year-oldRead More Early Marriage Essay1131 Words   |  5 PagesEarly marriage is the marriage of children and adolescents below the age of 18. 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The common point I have found them all to have is the age range at which this usually occurs, which is betweenRead MoreWhy Do Men Commit Crime So Much Recorded Crime?939 Words   |  4 Pagesfewer issues that they experience in their home life. For instance, exploitation, or child abuse. This, in turn, can make these girls unprotected to more exploitation and engaging in illegal activity, for example, soliciting, survival sex and drug use (Slowikowski, 2010). The Youth Justice Board figures (2015, p.p 6) reported that the number of personal violent offences by girls rose by 48% between 2003-2008; this also showed an increase in public order offences by 37% and the report showed that this

How Johnny Depp got his acting from Charlie Chaplin free essay sample

Johnny Chapton Johnny Depp is one of this generation’s most talented actor. His character development is beyond compare. Johnny Depp has acted in a plethora of movies, but in Benny and Joon and some others, his physical movements are very similar to some very famous silent film actors. Johnny’s character, Sam, is an eccentric one: he’s awkward, silly, and has a very imaginative mind. Charlie Chaplin and Buster Keaton acted as fathers to Johnny’s acting, leading him to new ideas, more characters in his career, extreme physical movement, and more explosive entertainment. In Benny and Joon, Johnny Depp’s physical reactive, and emotional acting strongly represents Charlie Chaplin and Buster Keaton. Firstly, I believe Charlie Chaplin influenced Johnny’s acting. During the first few scenes, Joon, Sam, and Benny eat at a bar, while waiting, Sam entertains himself by sticking forks into bread and makes them â€Å"dance. We will write a custom essay sample on How Johnny Depp got his acting from Charlie Chaplin or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page † This â€Å"dance can also be seen performed by the famous Mr. Chaplin in â€Å"Gold Rush.† Also in Benny and Joon, when Joon confesses her love for him, his facial expressions and his stance on the bed is a stunning image of Chaplin in one of his silent films. And how can we forget the swinging from the window washer station at the end of the movie? I also believe that was influenced by the whacky all-bearing Charlie Chaplin. Secondly, Buster Keaton’s whacky character shines through Johnny Depp’s acting in the film Benny and Joon. The movie cover/ propaganda poster of Benny and Joon has a certain recognizable hat too. The standout scene for Johnny is when his character, Sam, drops his hat and cannot retrieve it because the hat seems to be running away from him. Also, when his hat and handkerchief is making him do flips all kinds of tricks, Keaton also shines through. Also, the first scene with Johnny in it, where he is making music with car parts and balancing and juggling them, this also reminds me of Buster and his amazing physicalities. Finally, in my opinion, Johnny Depp was more influenced by Buster Keaton than Charlie Chaplin. The only standout scene that was most influenced by Chaplin occurred in the diner when â€Å"Sam† was playing with the forks and bread rolls. Buster Keaton’s physicality can often be seen throughout the movie, such as the very first scene â€Å"Sam† is introduced, the park scene, and the swinging from the hospital scene. Each of those scenes almost looked painful, but Johnny himself performed everything, including falling on his rear end during the park scene. All the flips and almost everything with the hats was influenced by Buster Keaton. In conclusion, Johnny Depp is a standout actor with many creative and â€Å"different† roles. His performance of â€Å"Sam â€Å" in Benny and Joon was extremely relatable and influenced by the famous silent film stars, Charlie Chaplin and Buster Keaton. They’re whacky and aw-worthy performances can be see, slightly changed by Johnny. Being practically fathers of Johnny Depp’s acting in Benny and Joon and other movies, they’ve created the wonderful, funny, and entertaining Johnny Chapton.