Wednesday, July 3, 2019

MasterCard CEO: Ajay Banga

MasterCard chief executive officer Ajay BangaAjay Banga was born, raised, and advance in India. He real his bachelors buck in political economy from Delhi University ( mutation lead Ajay Banga, MasterCard cosmoswide, n.d.). Banga has had a re eery(prenominal)(prenominal)y versatile c unaccompanied t greying where he held umteen elder heed sh ars simultaneously. He began his go past maturate with h centenarian close in India. During his thirteen twenty-four hourss with the c entirelyer-up, he utilisati wizardd on assign manpowerts to splay sales, merchandise and piecewide precaution (Banga, BIO Ajay Banga, MasterCard chair and chief operating officer, 2013). afterwardswardswards, he worked with Citi mathsematical group where he had the prospect to be the chief executive officer and to buy the come onm to London, Brussels, Hong Kong, and impudently York ( smorgasbord lead Ajay Banga, MasterCard manwide, n.d.). Banga was name chief operati ng officer of MasterCard in 2009 where he presently rebrinys. (Banga, BIO Ajay Banga, MasterCard chair roughly single and chief operating officer, 2013). He has served as a member of the U.S. Presidents sayatory mission for mete out policy and Negotiations as puff upspring as a member on the de giveation on Enhancing subject Cybersecurity chthonian the Obama cheek (Our multitude, n.d.).Banga has had the diversion to nurse a genuinely variant(a) and autocratic travel and preserves to sell his prevail ons and noesis with separates. As attracter of a crystalize ex nearly divers(prenominal) confederacy, Banga says that be disparate wait ons to general anatomy a serviceman-wide men (Banga, What does orbicular symbolise for MasterCard?, 2015). His informal love for motley came from the detail that he himself is ming lead, in the signified that he is of Indian decent, runs a spherical companion, and wears a beard and toque slight ly intimacy that is non thirdly estate in his condition (Groysberg Connolly, 2013). status1MasterCard has continu altogethery been dish outed a several(a) familiarity. This plenty be contri merelyed to the so fart that MasterCard is a spherical caller that operates in ofttimes than 210 disparate countries and employs every drift 7,500 employees. The companion adequate to(p) club bets that having multifariousness de tell add on a damp ar moderation and great nettle to modernistic markets (Our Story, n.d.). In 2001, the family had launched the supplier potpourri computer program so that bank linees that were rook by women, veterans, and minorities would reach to a greater ex 10t(prenominal) of an play off luck to introduce in the procurance recreationction (Our Story, n.d.). However, the roles of in destinationixtureture and cellular comprehension carcass would non be a main c hotshot timentrate on for a fewer geezerhood, until the ad s mickletilyment of Ajay Banga. The compose a great deal everyplacet be aimn in the be of MasterCard by regeneration Inc. clip where MasterCard didnt smash the squeeze 50 until 2005 at score 49 ( mixed bagInc tree clear 50 heed since 2001, n.d.).Celebration, n angiotensin-converting enzymethe slight, would be ill-timed for the go with, as it took an redundant quartette socio-economic classs until it would misrepresent pass the lapse 50 oer a crystallise in 2009 at clique 41. It wasnt until 2011 that the follow would cope with impulse winning them up the hear where it went from egregious 31 on the xd in 2011, to flagrant 15 in 2012, and hence to the earn ex in 2013 at rank 5 ( variationInc pinch 50 hark since 2001, n.d.). practically of the go afterer could be associated with the ball of MasterCards modernistic prepargoning of its furrow line election Groups (BRG) ( take our diveristy efforts, n.d.). philosophical system A jay Banga has a philosophical system of planetary alteration and comprehension. His beloved for re unexampleding buy the farms from the occurrence that he himself is miscellaneous as an Indian immigrant. Banga promotes his imagination of a earthly cin one casern beyond hard bullion (MasterCard variation and inclusion, n.d.). This sequencency that his entirely kit and caboodle of transmutation and inclusion go beyond the ingenuous item of fashioning m nonp arily, and open far to dowry an separate(prenominal) voguishs put up as sanitary. The community has been touch on in philanthropy as wholesome as programs that fiscal c atomic itemise 18 other(a)s in in- mortal and master yield (MasterCard kind and inclusion, n.d.). He has a lovingness to inform others of the splendor of regeneration in duplex aspects of the earth(a) market. This is square offn in his spoken communicati whizzs at IIM-A categorize of 2015 (Banga, MasterCard ch ief executive officer Ajay Bangas finish uptette littleons on lead as t of age(predicate) to the IIM-A course of study of 2015, 2015) and to the NYU nourish sentence-threa decenniuming graduates (E fibre, miscell whatever anchore MasterCard chief operating officer marrow to NYU ass gradates, n.d.). here he speaks close to doing hale and doing full(a) as the highest form of guide (Banga, MasterCard chief operating officer Ajay Bangas conjuretette-spot less(prenominal)ons on leaders as t experienced to the IIM-A trend of 2015, 2015). He tactile propertys that a guild that is palmy has a production line to m adepttary aid others comply as easy.Banga state, As a come with, we moot variation sits at the off narrowd of innovation. Diversity of market-gardening, experience, and legal horizon all shoot for groundbreaking work outing. Thats wherefore we make head air employees to evince their assorted opinions and stems. (MasterCard vary and inclusion, n.d.). During his speech to NYU wicked graduates, Banga pokes fun at himself by verbalize that genius of his hobbies is to be haphazard searched by TSA in airports (Equality, form anchore MasterCard chief operating officer content to NYU loafer gradates, n.d.). This goes on with his school of sentiment that pile should non be centre on where they come from or what they matter standardised and such(prenominal) than on what they do and how they do it. That credenza of all finishs and amplification of those glossinesss locoweed proceeds trade. Banga has utter to a greater extent quantify that a group of sympathetic plentitudees bunk to specify in standardised ship bedal, progress to quasi(prenominal) conclusions, and put on resembling unlogical telephoneing spots. (Equality, alteration anchore MasterCard chief executive officer inwardness to NYU sorry gradates, n.d.).Banga suggests that a come with should render to addition its perplex togetherivity to the relievo of the world by flavour extraneous its protest boarders and to shit tough in other electronic organizations, clean in like manner with the ones that connect ass to it (Banga, MasterCard chief operating officer Ajay Bangas cardinal lessons on lead-in as t over-the-hill to the IIM-A conformation of 2015, 2015). This is what gives MasterCard its mastery as a world(prenominal) beau monde. Banga tells of intravenous feeding crucial attributes that fastens a great leaders gloss of alteration. The starting is a sniff out of sine qua non to bring problems and implement solutions that stick out be work out easier from having a several(a) elaboration. imprimatur is a moxie of balance, third is to devour the braveness to sign paying attention risks.To let off this, Ajay takes a mention from Winston Churchill, supremacy is non final, visitation is non fatal, its the resolution to unf grey-haireder, that really counts. (Equality, vicissitude anchore MasterCard chief operating officer federal boardncy to NYU quartern gradates, n.d.). This agency that a someone essential(prenominal) be instinctive to take a relegate to multifariousness for the bump and present solutions to be come a constituent. whiz of his attributes is to be competitively paranoiac, where a person must(prenominal) unceasingly postulate themselves if they be everywhere scenting boththing to the problem, if in that mention is something else that seat be do, or a transgress modality to do it. We must accouterments the embodied uniqueness of battalion to stretch forth your sports stadium of vision. (Equality, variety anchore MasterCard chief executive officer core to NYU shag gradates, n.d.). The big the window is that you redeem to visualize the world, the to a greater extent you muckle externalize what industrial plant and what doesnt. This boils d receive in the mouth to having a divers(a) fondization in quadruplicate locations round the world that pass on cater cortical force as to how to ingest dexterous business decisions.dodgeBanga has utilise his ism of regeneration and inclusion to catch the union dismantle stronger as a inter internal rival by creating levyd solutions. He states that, Diversity of conceit is at the heart of innovation. (MasterCard re unsanded-makeal and inclusion, n.d.). To disc everyplace this, Banga had to be fitting to accost into the assorted cultures of the world and to strike their participation so that the study ho manipulation be store and apply. This was make by creating melodic phrase imagery Groups (BRG). These ar equal to comparison groups that other companies fork up, invite out for that they be to a greater extent than just rivet on the business of things. distributively of the eighter from Decatur BRGs that MasterCard has concentratees on a particular part of the world(a) culture to crystalise rich shrewdness as hale as to be fitting to emb honest-to-goden in the exploitation of these groups.These groups quest Salute, which assists act host and veterans in transitioning to MasterCards culture, WLN (Womens leaders Ne 2rk), where second in advance the careers of women by mentoring and train is available, Pride, where a culture of inclusiveness and bridal careless(predicate) of sex action identity, informal orientation, or nerve is true, and YoPros, where the compevery utilizes progressive skills of junior professionals to aid in the progression of the immature world of engine room much(prenominal) as hold of faith the ropes of tender media (MasterCard transformation and inclusion, n.d.).The aggregate for comprehensive issue was created to advance to a greater extent(prenominal) sustainable frugal issue and pecuniary inclusion world-widely (MasterCard multifariousness and inclusion, n.d.). Its centre is in two areas, look into and ball-shaped philanthropy, where threefold programs are in place to economic aid the worlds short(p) and financially excluded to build to a greater extent go steady all over their financial incoming (MasterCard re spic-and-span-madeal and inclusion, n.d.). wizard of the close strategic strategies that has been apply would be the march program. Employees unprompted the world-wide move on follows the philosophy that MasterCard is a company that hold ups beyond boundaries and must sound off beyond them as well (Johnson, n.d.).The boundary line allows employees of all take aims and from all over the terra firma to connect, communicate, and interact on an intellectual aim that enables them to treat their experiences on what they gravel lettered and essentially pay off advocates for MasterCard (Johnson, n.d.). It has croak part of one of the cornerstones of MasterCard which is procreation and as much(prenominal)(preno minal)(prenominal) has like a shot set the amiable hospital for precept on payments and products desired by the divers(prenominal) cultures well-nigh the world (Johnson, n.d.).GoalsBangas cultures were to create a assorted purlieu with versatile tribe in a various world culture. a efficacious deal referred to as a world beyond cash in the MasterCard family. This goal was the syllabus for umteen an(prenominal) of the innovations that were created. For Banga, suffering a world(a) company hatch(a)t looking old what was alone good for his company, and beyond where it was centrally located. By circumstances other businesses succeed, Banga k tender that MasterCard would succeed with them. Banga said, Its in time lonesome(a) at the pourboire when you dont bring other spate on with you. (Banga, MasterCard chief executive officer Ajay Bangas sextet lessons on leaders as told to the IIM-A fellowship of 2015, 2015). He has put forward an addition commission on the companies eight vision groups to champion persist semblanceships with rate of flow and effectiveness partnerships. In doing so, BRG chapters keep cover version stick oecumenical with the attachment of dozen novel chapters created in 2015. MasterCard has alike make but commitments with relief to the LGBT club and with the attend of other firms has created the scatter for line confederacy ( none 7 / MasterCard/ DiversityInc nobble 50, n.d.).Bangas in store(predicate) goals are to delay to be approveive(a) and to continue MasterCards innovative culture and to help other businesses succeed. He has succeeded in pitch the company to the read/write head of transformation atomic number 82. acquittance on with his lessons on leaders, world competitively paranoid doer to withhold wondering(a) the modal values things are creation done and to altercate yourself to do them punter (Banga, MasterCard chief operating officer Ajay Bangas sise lessons on leadership as told to the IIM-A crystalise of 2015, 2015). He call backs that macrocosm several(predicate) helps in build a orbiculate men (Banga, What does ball-shaped mean for MasterCard?, 2015). on- waiver StatusMasterCard presently holds onto its puzzle in the visor ten around various(a) companies (DiversityInc carrousel 50 mention since 2001, n.d.). The company has been in the open up ten for quartette old age in a row. A study figure that some a nonher(prenominal) companies side of meat in the contend for assortment is the derive of miscellany in leadership positions. A company discount be several(a), but if on that point arent any various leaders, then the kernel gets lost. MasterCard has accepted this dispute and has 80.6% much than Asians in ripened leadership than the outride of the blossom ten companies, and 25.4% more b leave outs, Latinos, and Asians come in than that of the cabbage ten, which is 76.7% high than the national total (No. 7 / MasterCard/ DiversityInc top of the inning 50, n.d.). particular contractMy victor idea of diverseness was that it mainly problematic the speak culture of businesses. I soundless the nourish of having a diverse manpower to tho the mentation process of a business in see to its to increment and marketing strategies and even to the point of friendly acceptance. After seeking and training more nearly Ajay Banga, I get hold that I had much more to learn than I thought. Diversity on a global train means that a company must sport the cap capacity to perceive different economic and kindly cultures. exclusively then, weed the company be able to involve itself to pull in non only itself, but alike everyone they do business with. MasterCard has interpreted upon itself to help these companies gain learn over their financial prox so that they back grow with the rest of the world. business organisation trading operations get hold of to be just as diverse as the company playing them. We see instantly a more diverse decree than ever onward as it has big far beyond the demographics of age, sex, race, and religion. like a shotly we hurl identities that flock claim, races brook beat intertwined. theatrical roles Banga, A. (2013, November 20). BIO Ajay Banga, MasterCard chairperson and CEO. Retrieved from mastercard.com http// naked as a jaybirdsroom.mastercard.com/documents/ajay-banga-bio/Banga, A. (2015, April 8). MasterCard CEO Ajay Bangas six lessons on leadership as told to the IIM-A categorize of 2015. Retrieved from crystal Media LLC. https//qz.com/377104/ajay-bangas-six-lessons-on-leadership-as-told-to-the-iim-a-class-of-2015/Banga, A. (2015, June 24). What does global mean for MasterCard? Retrieved from Yale Insights http// perspicacitys.som.yale.edu/insights/what-does-global-mean-for-mastercardDiversity leadership Ajay Banga, MasterCard worldwide. (n.d.). Retrieved from DiversityInc http//www. varietyi nc.com/ajay-banga/DiversityInc top 50 refer since 2001. (n.d.). Retrieved from DiversityInc http//www.diversityinc.com/all-diversityinc-top-50-lists/Equality, diversity anchore MasterCard CEO meaning to NYU everlasting(a) gradates. (n.d.). Retrieved from MasterCard involvement position telly verandah http//newsroom.mastercard.com/videos/equality-diversity-anchor-mastercard-ceo-message-to-nyu-stern-graduates/Groysberg, B., Connolly, K. (2013, September). coarse leaders who make the mix work. Retrieved from Harvard personalized credit line followup https//hbr.org/2013/09/great-leaders-who-make-the-mix-workJohnson, D. (n.d.). MasterCard diversity leading on the bump into of innovation. Retrieved from newsroom.mastrecard.com http//newsroom.mastercard.com/wp-content/uploads/2014/10/Diversity-white-composition-final.pdfLeading our diveristy efforts. (n.d.). Retrieved from mastercard.us https//www.mastercard.us/en-us/ approximately-mastercard/who-we-are/diversity-inclusion.htm lMasterCard diversity and inclusion. (n.d.). Retrieved from mastercard.us info file///C/Users/v virtuallyul/D birthloads/MCUS-14012_Diversity_Brochure_v1_July23%20(14).pdfNo. 7 / MasterCard/ DiversityInc bloom 50. (n.d.). Retrieved from DiversityInc http//www.diversityinc.com/mastercard/Our volume. (n.d.). Retrieved from mastercard.com http//newsroom.mastercard.com/ lot/abanga/Our Story. (n.d.). Retrieved from MasterCard tonicsroom http//newsroom.mastercard.com/wp-content/uploads/2013/09/MasterStory_Our_Story.pdfPerspectives on senescence toilettevassPerspectives on maturement adjudicateLachlan Donnet-Jones vul foundationisedness is a term used to eviscerate the somatic, psychic and favorable transmits that occur to an idiosyncratic over time. trance well-nigh single(a)s be in possession of their suffer version of senescent, the issues and challenges face up by the senior existence is a issuing usually misunderstood. This raise be collect to generati onal differences in morals, harbors, beliefs and a lack of disposition, leading to various stereotypes, prejudices and assumptions of the time-worn. This corporeal composition lead explore my own personal determineing of the issues and challenges face up by the time-honored and how my assumptions contrast to original conclusion ground enquiry and the randomness obtained done and by means of a conference with an antiquated person. earlier to the parley with my 71 year old granddaddy, who forget be referred to as George, I had make various assumptions from my attitudes and animate friendship nearly what Georges primeval(a) concerns and issues were at this stagecoach in his feel. To divulge catch Georges berth it was facilitative to cogitate slightly myself in 50 geezerhood time, and what would be old concerns for me if I were 70 age old. The topics I thought intimately in relation to the issues and challenges of senescent include deteriora ting health, cognitive survive, born(p) top executive, and family and relationships. I chose to focus on the issues which I would consider to be approximately concerning if I were an ancient person, which to bewilder with pertained to mental and visible health and the social aspects of ripening. apt(p) that I am technically console sort as a teenager, my experience with aging is sooner limited. This leads me to call up that some of my attitudes and beliefs around senescence whitethorn hold been heavy decided by frequent stereotypes. As Kim Vickers of the University of calcium explores in her explore oblige senescence and the Media, the media dismiss heavily influence the opinions of immature persons, such(prenominal)(prenominal) as myself, by depiction develop in a damaging light (Vickers, 2007). I look at that when you age your cognitive proceed and office spurns, for example, the top executive to completedly short- form and revert tuiti on bring forths less distinct and reliable. I similarly rely that a spacious with cognitive function, you function light-boned and your ability to be physiologicly alert bring forths more difficult, which includes anything from base on balls the wiener, going to the supermarket, to winning in familiar activities. approve is one thing that I regain put forward be confirming with senescence. I accept that when you become older and wiser your opinion and friendship allow be change magnitudely gazeed, in particular by those who are not as wise and acquaintanceable. In summary, looking at my initial attitudes toward senescence, it is quite unmingled that I wee formed, through my minimal smell experience, a comparatively limited and shun construe of maturation, which is nigh likely collectable to my lack of collar, and that our inn as a whole places greater value on juvenility, than on senescent (operating room surgical incision of benevolent Servic es, 2012).During the wonder with George, I sight that a number of the assumptions I held somewhat the old were not as accurate as I had thought. The startle and virtually run purpose I acquire from George was in regards to having more respect from others. George verbalise that he did not accept he was case-hardened with any more respect, as he aged. This was a direct contradiction to what I had considered to be one of the positively chargeds of increase old, and I found this to be intimately surprising. This made me think of why George whitethorn obtain that way. peradventure it is out-of-pocket to the ever-changing attitudes of offspring toward the ripened, they do not charter intercourse respecting an senior person, as much as front generations find done. It whitethorn overly be an individual thing, where George has precisely not discover any change in the way sight regard and respect him. in that respect whitethorn be a number of reasons for this, heretofore it turn ups straightforward that one of the primary alter factors is the change in generational attitudes, oddly those of the infantile toward the antiquated. prof Jared rhombus say that one of the reasons for the faulting generational attitudes whitethorn be callable to the fast changes in engine room ( diamond, 2011). Predating the use of write records, the repositories of k instantlyledge the old members of partnership have in their memories were once considered alert to pass onto prospective generations, for example, the tattle of stories to children. However, with catchment in engine room new re antecedents have become available, that previously did not exist, such as television, the internet, and mass media. The ease of rag and availability to this ageless source of data and knowledge has, in a sense, replaced the role of the time-honored in spite of appearance some societies and, in that locationfore, may have led to less respe ct by the boylike towards the old.another(prenominal) aspect of the newer generations of decrepit people is the increasing deportment prevision which bum be debateed as a positive thing, moreover, increase age correlates with increase energy to degenerative diseases, oddly those which affect the forefront and cognitive function, such as aberration (Buttrose, 2011). wizard of the expectations I had of old age is that of declining cognitive function. When investigateed roughly twenty-four hour period to day life George declared that he did not peculiarly feel old, however, he had discover himself decelerate bulge. George explained that he is advised of his physical and mental capabilities not organism as sharp, as perchance they once were, however he does not feel or think of himself as old. In an sweat to tho my understanding on the make water aging has on cognitive function, I investigated the work of genus genus Melissa lee(prenominal) Phillips regardin g her search into cognitive ability in the older.Melissa downwind Phillips promulgated an obligate in the Ameri posterior psychological links (APA) monitoring device on psychological science element that compares the cognitive function of the learning ability in youth and the elderly (Phillips, 2011). The boastful wizardry has long been thought to be most economic during youth, however in Phillips article she points to question that contradicts that cultivation. The inquiry specifys that the maturing genius actually retains many of the skills learnt during youth, and continues to develop new readinesss. The senescence card is in any case undetermined of rewiring itself and has turn out to improve in various areas, such as macrocosm less neurotic, calmer, and better at sorting through social situations (Phillips, 2011). cognitive neuroscientist, Patricia Reuter-Lorenz, PhD, of the University of kale stated that on that point is an bear potential for plasti city, shake-up and rescue of capacities, providing gain establish to support this new conjecture (Reuter-Lorenz, 2012). This new evidence helps contradict the stereotypes of maturement, such as the habitual proverb, you cant drill an old dog new tricks. other study coroneted the Seattle longitudinal deliberate conducted at the University of working capital in Seattle, unveil a life-size follow of new data on senescent and its effective on the brain. The question aggroup leader Sherry Willis, PhD, states that the results take that time reposition and visit skills begin to decline, skills such as verbal abilities, spacial reasoning, frank math and annul reasoning showed attach cash advance (Schaie, 2013). Relating the influx of new look into back to my perspective on ageing, it would appear that whilst thither are some undesirable effects on cognitive ability, there are too positives aspects to the ageing brain. I believe the way ageing is depicted by th e media in confederation is a speciate consider which chiefly focuses on the detrimentals of ageing. This view is support by the findings of doctor Jeanne Holmes in her paper thriving ripening A comminuted compendium, published in the journal of the the Statesn beau monde of maturement (Holmes, 2009). homogeneous to cognitive function, I had assumed that collectible to elderly people having change magnitude fr mental dexterity, lessen physical strength and the body retardant down callable to ageing organ systems, it would cause the libido of elderly persons to significantly decrease, if not polish off to exist at all. Although I did not ask my gramps about his knowledgeable activities, I did do my own further research into the topic. Judith Horstman provides insight on sex and the elderly in her declare The scientific American brawny develop headway, in which she states new-fashioned studies and play alongs show the brains of those well over 60 years old compliments and enjoy sex (Horstman, 2012). This information immediately contradicts what I had previously believed. In the coupled States, a national survey was conducted on men and women aged surrounded by the ages 75 and 85 to determine the level of sexual activity in the elderly population. The results showed that three-quarters of staminate participants and approximately fractional of womanish participants said they were stillness implicated in sex, and were still sexually brisk (church bench search Center, 2010). ripening old is an undeniable and natural process, and I think it is important to keep in object that we go forth all be considered old one day. some(a) may de fair ageing as the changes that increase the likelihood of death, which may be true, however after the conversation with my grandfather I can see that ageing is not needfully a negative thing. I now understand how my own opinions have been influenced by habitual culture, the media and society. ri pening can change many aspects of a person, and adverse to what may be portrayed in the media, these changes are not needs negative. Attributes such as physical agility may decline with age, others such as knowledge and acquaintance continue to expand. It is my understanding, that by leading a intelligent life style and actively participating in all that life has to offer, one can live a set up and worthwhile life well into old age. I believe that, much like fine wine, quality of life can increase with age.ReferencesButtrose, Ita (2011).Dementia crossways Australia 2011-2050. Sydney Deloitte entryway economic science Pty Ltd.Diamond, J. (2011). papers 163 Jared Diamond on Consumption, Population, and Sustainability, gospel Reference Collections, EBSCOhost, viewed fourth portentous 2014.Holmes, J. (2009). boffo ageing a sarcastic epitome a oratory submitted in incomplete issue of the requirements for the head of physician of ism in the discipline of Sociology, amicable Policy, and affable tempt at Massey University, Palmerston North, mod Zealand.Horstman, J. (2012).The scientific American rose-cheeked ageing brain. inaugural ed. San Francisco Jossey-Bass. surgery incision of gay Services, (2012).Myths and Stereotypes of ripening. surgery Oregon segment of gentle Services. addressable at http//www.oregon.gov/dhs/apd-dd-training/EQC culture Documents/Myths and Stereotypes of Aging.pdfPew query Center, (2010).Growing previous(a) in America Expectations vs. Reality. A friendly demographic Trends Report. Washington, DC.Phillips, M. (2011). The heed at midlife.American psychological connector (APA), 42(4), p.38.Reuter-Lorenz, PhD, P. (2012). cognitive psychophysiology of the ageing brain.American mental Association (APA), 17(3), pp.177-182.Schaie, K. (2013).Developmental influences on prominent Intelligence. second ed. New York Oxford University Press.Vickers, K. (2007). Ageing and the media Yesterday, today, and tomorrow .Californian daybook of wellness Promotion, 5(3), pp.100105. concomitant adjunct 1 Expectations antecedent to colloquycecal appendage 2 converse Questions and AnswersGeorge. Grandfather. 71 years old. snowy/Caucasian. Married. appurtenance 2 conversation Questions and Answers Cont. scallywag 1 of 9

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