Making a Doctors Appointment - ESL Dialogue

Making a Doctor's Appointment - ESL Dialog Peruse the accompanying discourse with an accomplice to learn significant jargon utilized for making medical checkups. Practice this exchange with a companion to assist you with feeling sure when you next make an arrangement in English. Check your comprehension with the test and survey vocabulary.â Pretend: Making a Doctors Appointment Specialists Assistant: hello, Doctor Jensens office. How may I help you?Patient: Hello, Id like to make an arrangement to see Doctor Jensen, it would be ideal if you Specialists Assistant: Have you been in to see Doctor Jensen before?Patient: Yes, I have. I had a physical a year ago. Specialists Assistant: Fine, what is your name?Patient: Maria Sanchez. Specialists Assistant: Thank you, Ms. Sanchez, let me pull up your record... OK, Ive found your data. Whats the explanation behind your creation an appointment?Patient: I havent been feeling very well recently. Specialists Assistant: Do you need pressing care?Patient: No, not really, however Id like to see the specialist soon. Specialists Assistant:â obviously, what about next Monday? Theres an opening accessible at 10 in the morning.Patient: Im apprehensive Im working at 10. Is there anything accessible after three? Specialists Assistant: Let me see. Not on Monday, however we have a three oclock opening next Wednesday. Might you want to come in then?Patient: Yes, next Wednesday at three would be incredible. Specialists Assistant:â All right, Ill pencil you in for three oclock next Wednesday.Patient: Thank you for your assistance. Specialists Assistant: Youre welcome. Well observe you one week from now. Goodbye.Patient: Goodbye. Key Making an Appointment Phrases Make an arrangement: plan an opportunity to see the doctorHave you been in previously?: used to inquire as to whether the patient has seen the specialist beforePhysical (examination:â yearly registration to check whether everything is okay.Pull up a record: discover a patients informationNot feeling well overall: feel sick or sickUrgent care: like a crisis room, yet for regular problemsA slot:â an accessible chance to make an appointmentIs there anything open?:â used to check if there is an accessible time for an appointmentPencil somebody in:â to plan an arrangement Valid or False? Choose whether the accompanying articulations are valid or false:â Ms. Sanchez has never observed Doctor Jensen.Ms. Sanchez had a physical assessment with Doctor Jensen last year.The specialists colleague as of now has the record open.Ms. Sanchez is feeling fine these days.Ms. Sanchez needs critical care.She cannot come in for a morning appointment. Ms. Sanchez plans an arrangement for one week from now. Answers:â FalseTrueFalseFalseFalseTrueTrue Getting ready for your Appointment Once youve made an arrangement youll need to ensure youre arranged for your primary care physicians visit. Here is a short diagram of what youll need in the United States. Protection/Medicaid/Medicare Card In the US specialists have clinical charging pros whose activity it is to charge the right protection supplier. There are numerous protection suppliers in the US, so its basic to bring your protection card. On the off chance that you are more than 65, you likely will require your Medicare card. Money, Check or Credit/Debit Card to Pay for Co-installment Numerous insurance agencies require a co-installment which speaks to a little part of the all out bill. Co-installments can be as meager as $5 for certain medications, and as much as 20 percentâ or a greater amount of bigger bills. Make a point to check with your protection supplier for much data on co-installments in your individual protection plan as these fluctuate broadly. Carry some type of installment to your arrangement to deal with your co-pay. Prescription List Its significant for your PCP to know which prescriptions you take. Bring a rundown of all drugs that you as of now take. Key Vocabulary Clinical charging specialist:â (noun) an individual who procedures charges to protection companiesInsurance provider:â (noun) organization that protections individuals for their human services needsMedicare: (noun) a type of protection in the US for individuals over 65Co-installment/co-pay:â (noun) fractional installment of your clinical billMedication: (noun) medication Valid or False? Co-installments are installments made by the insurance agency to the specialist to pay for your clinical appointments.Medical charging masters will assist you with managing protection companies.Everyone in the US can exploit Medicare.Its a smart thought to carry a rundown of your prescriptions to a regular checkup. Answers: Bogus - patients are answerable for co-payments.True - clinical charging authorities spend significant time in working with protection companies.False - Medicare is national protection for those over 65.True - its significant for your PCP to know which prescriptions you are taking.â On the off chance that you need English for clinical purposes you should think about disturbing symptomsâ andâ joint pain,â as well asâ pain that comes and goes. If you work in a drug store, its a smart thought to work on talking about prescriptions. All clinical staff may be confronted with a patient who isâ feeling queasyâ and how toâ helpâ a tolerant.

Obsidian - Volcanic Glass Prized for Stone Tool Making

Obsidian - Volcanic Glass Prized for Stone Tool Making The volcanic glass called obsidian was profoundly prized in ancient times any place it was found. The polished material arrives in a scope of hues from dark to green to brilliant orange, and it is found wherever rhyolite-rich volcanic stores are found. Most obsidian is a profound rich dark, in any case, for instance, pachuca obsidian, from a source in Hidalgo and circulated all through Mesoamerica during the Aztec time frame, is a translucent green shading with a brilliant yellow sheen to it. Pico de Orizaba, from a source in southeastern Puebla is totally dismal. Obsidian Qualities The characteristics that made obsidian a most loved exchange thing are its sparkly magnificence, its effectively worked fine surface, and the sharpness of its chipped edges. Archeologists are partial to it as a result of obsidian hydration-a moderately secure (and generally minimal effort) approach to date the period an obsidian apparatus was last chipped. Sourcing obsidianthat is to state, finding where the crude stone from a specific obsidian antique came fromis normally led through follow component examination. In spite of the fact that obsidian is constantly comprised of volcanic rhyolite, each store has somewhat various measures of follow components in it. Researchers recognize the synthetic unique finger impression of each store through such strategies as X-beam fluorescence or neutron actuation analysisâ and then contrast that with what is found in an obsidian antiquity. Alca Obsidian Alca isâ a kind of obsidian that isâ solid and grouped dark, dim, maroon earthy colored and packaged dark maroon earthy colored, that is found in volcanic stores in the Andes mountains between 3700-5165 meters (12,140-16,945 feet) above ocean level. The biggest known convergences of Alca are at the east edge of the Cotahuasi Canyon and in the Pucuncho bowl. The Alca sources are among the most broad wellsprings of obsidian in South America; just the Laguna de Maule source in Chile and Argentina has tantamount exposure.â Three sorts of Alca, Alca-1, Alca-5 and Alca-7, outcrop on the alluvial aficionados of the Pucuncho bowl. These can't be observed with the unaided eye, yet they can be recognized based on geochemical qualities, distinguished through ED-XRF and NAA (Rademaker et al. 2013). Stone apparatus workshops at the sources in the Pucuncho bowl have been dated to the Terminal Pleistoceneand stone instruments dated to the equivalent 10,000-multi year go have been found at Quebrada Jaguay on the shore of Peru. Sources For data on dating obsidian , see the article on obsidian hydration. See the History of Glass Making, if that is the thing that intrigues you. For more stone science on the substance, see the topography passage for obsidian. For its hell, attempt the Obsidian Trivia Quiz. Freter A. 1993. Obsidian-hydration dating: Its past, present, and future application in Mesoamerica. Old Mesoamerica 4:285-303. Graves MW, and Ladefoged TN. 1991. The divergence among radiocarbon and volcanic glass dates: New proof from the island of Lanai, Hawaii. Prehistoric studies in Oceania 26:70-77. Bring forth JW, Michels JW, Stevenson CM, Scheetz BE, and Geidel RA. 1990. Hopewell obsidian examines: Behavioral ramifications of late sourcing and dating research. American Antiquity 55(3):461-479. Hughes RE, Kay M, and Green TJ. 2002. Geochemical and Microwear Analysis of an Obsidian Artifact from the Brown Bluff Site (3WA10), Arkansas. Fields Anthropologist 46(179). Khalidi L, Oppenheimer C, Gratuze B, Boucetta S, Sanabani An, and al-Mosabi A. 2010. Obsidian sources in good country Yemen and their importance to archeological research in the Red Sea area. Diary of Archeological Science 37(9):2332-2345. Kuzmin YV, Speakman RJ, Glascock MD, Popov VK, Grebennikov AV, Dikova MA, and Ptashinsky AV. 2008. Obsidian use at the Ushki Lake complex, Kamchatka Peninsula (Northeastern Siberia): suggestions for terminal Pleistocene and early Holocene human movements in Beringia. Diary of Archeological Science 35(8):2179-2187. Liritzis I, Diakostamatiou M, Stevenson C, Novak S, and Abdelrehim I. 2004. Dating of hydrated obsidian surfaces by SIMS-SS. Diary of Radioanalytical and Nuclear Chemistry 261(1):51â€60. Luglie C, Le Bourdonnec F-X, Poupeau G, Atzeni E, Dubernet S, Moretto P, and Serani L. 2006. Early Neolithic obsidians in Sardinia (Western Mediterranean): the Su Carroppu case. Diary of Archeological Science 34(3):428-439. Millhauser JK, Rodrã ­guez-Alegrã ­a E, and Glascock MD. 2011. Testing the precision of convenient X-beam fluorescence to consider Aztec and Colonial obsidian flexibly at Xaltocan, Mexico. Diary of Archeological Science 38(11):3141-3152. Moholy-Nagy H, and Nelson FW. 1990. New information on wellsprings of obsidian curios from Tikal, Guatemala. Old Mesoamerica 1:71-80. Negash A, Shackley MS, and Alene M. 2006. Source provenance of obsidian ancient rarities from the Early Stone Age (ESA) site of Melka Konture, Ethiopia. Diary of Archeological Science 33:1647-1650. Peterson J, Mitchell DR, and Shackley MS. 1997. The social and monetary settings of lithic procureent: obsidian from exemplary period Hohokam destinations. American Antiquity 62(2):213-259. Rademaker K, Glascock MD, Kaiser B, Gibson D, Lux DR, and Yates MG. 2013. Multi-method geochemical portrayal of the Alca obsidian source, Peruvian Andes. Geography 41(7):779-782. Shackley MS. 1995. Wellsprings of archeological obsidian in the Greater American southwest: An update and quantitative examination. American Antiquity 60(3):531-551. Spence MW. 1996. Product or blessing: Teotihuacan obsidian in the Maya area. Latin American Antiquity 7(1):21-39. Stoltman JB, and Hughes RE. 2004. Obsidian in Early Woodland Contexts in the Upper Mississippi Valley. American Antiquity 69(4):751-760. Summerhayes GR. 2009. Obsidian organize designs in Melanesia: Sources, characterisation, and dispersion. IPPA Bulletin 29:109-123. Otherwise called: Volcanic glass Models: Teotihuacan and Catal Hoyuk are only two of the locales where obsidian was unmistakably viewed as a significant stone asset.

A global perspective on Philadelphia Community Based Organizations Essay

A worldwide point of view on Philadelphia Community Based Organizations - Essay Example des protected, drawing in and fun learning encounters to support youngsters and youth build up their social, passionate, physical, social and scholastic skills† - Debbie Stabenow. â€Å"Afterschool is when youngsters find their inclinations and qualities cap regularly lead to choices they will make as grown-ups. This program will genuinely affect the lives of this youngsters with significant and positive long haul benefits.† †Gina Warner; Executive Director Partnership for Youth Development. In a large portion of the schools, the ringing of the 3 p.m. regularly denotes the finish of school day exercises for some understudies. This implies they can return home and play and a similar time do whatever they please. The understudies wind up taking part in exercises that are not profitable since they have nobody to direct them. The guardians who might have guided them are occupied a similar time either grinding away or seeking after further examinations. Thus, this had prompted the kids experiencing a progression of lackluster showing. The understudies additionally don’t have the opportunity to build up their potential as far as innovativeness (Old Pine Community Center). The Old Pine Community Center Afterschool Program assumes the job of guaranteeing that the understudies done burn through their time. This is through the arrangement of the fundamental administrations like the administered and safe condition. It likewise gives solid dinners and tidbits, scholastic enhancing exercises and steady and thinking about the understudies. The youngsters are likewise taken through activities which guarantee that they are solid. These exercises are given to the youngsters and family that need most the help. The administrations are additionally offered in a financially savvy way contrasted with the increases that the youngsters get. The program gives the kids the clubs that empower them to connect and share their inclinations. The administrations offered are done through qualified staff, for example, the guide or the instructors. This guarantees the administrations are of value and addresses the issues

Planet Earth’s Capacity Essay - 550 Words

Planet Earth's Capacity (Essay Sample) Content: Planet Earths CapacityNameInstitutionPlanet Earths CapacityPlanet Earth is the fifth largest among the nine planets, and among the few that can support life. It is the sole planet that contains water in liquid form with 71% water coverage, a fact that gives it the ability to support life since water is essential for life. It can support human, plant and animal life since it is well supplied with essential gases such as 77% nitrogen, 21% oxygen, water, and carbon dioxide and argon in small quantities. Thus, planet Earth supports a significant number of people (Cohen, 1992).The human population has continually increased since the inception of life on Earth about two hundred years ago. The human population started at about 100 million, and by 1850, the number had reached one billion. Statistics show that the number of people inhabiting the Earth doubles up, in every 100 years. Initially, it took about 150,000 years for the population to strike one billion, but the growt h rate has tremendously increased over the centuries. The United Nations projected that the estimated number of people on Earth by 2300 will be 9 billion depending on factors such as fertility and longevity of life. Various eminent scientists across the have also proposed their projections with some arguing that the planet can sustain 1000 billion people. Other scientists such as Edward O. Wilson base their estimations on the presence of supplies such as food and water on Earth (Wolchover, 2011). The size of arable land on earth is estimated to be about 3.5 billion acres, with an annual production of about 2 billion tonnes of grain. Assuming that all humans were vegetarians and holding all other factors constant, the land can sustain about 10 billion people. This is when only humans feed on the grain grown on the land excluding livestock and other creatures. However, this is not realistic since humans are omnivorous and they coexist with other creatures such as livestock, and they s hare the resources on the land. Other factors such as availability of minerals and gases essential for human sustenance limit the Earths carrying capacity; thus, reducing the number of people that Earth can support (Radford, 2004).The United Nations Population Division estimated that the human population is bound to increase to 7 billion by 2014 and could rise to 9 billion by 2050. Thus, by 2100, there will be about 10 billion people living on the Earth. The population is likely to stabilize at 9 or 10 billion people since there is a fertility decline leading to smaller families. Every woman is siring about 2.1 children, and the fertility rate is said to have reached replacement level. The Earths capacity to support human life is at its maximum and cannot stretch any further depending on the available resources. Therefore, by the end of the century, the population could level and stabilize at the 10 billion mark (Wolchover, 2011).With planet Earth as the fifth largest am...

Week 1 - 676 Words

Resource: Statistical Techniques in Business amp; Economics Prepare responses to the following exercises from the text: Exercises 80, 82, and 87 (Ch. 3) 80. Creek Ratz is a very popular restaurant located along the coast of northern Florida. They serve a variety of steak and seafood dinners. During the summer beach season, they do not take reservations or accept â€Å"call ahead† seating. Management of the restaurant is concerned with the time a patron must wait before being seated for dinner. Listed below is the wait time, in minutes, for the 25 tables seated last Saturday night. 28 39 23 67 37 28 56 40 28 50 51 45 44 65 61 27 24 61 34 44 64 25 24 27 29 a. Explain why the times are a population. b. Find the mean and median of†¦show more content†¦c. Estimate the percent that did not have any dental expense. d. What was the cost for the 10 percent of employees who incurred the highest dental expense?Show MoreRelatedMKT 571 Quizzes week 1 6 Essay2577 Words   |  11 PagesQuiz  Week  1  Ã‚   1  One  of  the  most  critical  steps  in  the  defining  process  of  market  research  is   defining  the  problem,  the  decision  alternatives,  and  research  objectives   2  Ã¢â‚¬â€¹ Wabash  Bank  would  like  to  understand  if  there  is  a  relationship  between  the  advertising  or  promotion  it   does  and  the  number  of  new  customers  the  bank  gets  each  quarter.  What  type  of  research  is  this  an   example  of?  Ã‚   Casual   3  Ã¢â‚¬â€¹ How  does  the  market  demand  curve  change  (as  a  function  of  marketing  expenditure)  during  recession?  Read Moreweek 11635 Words   |  7 Pagesï » ¿ 1.1 Interrelationship between consumer behavior and marketing concept Marketing comprises of all the activities and tasks undertaken to promote and sell the product to the end consumer. It encompasses a wide array of techniques that can be used to push the product/service to the consumer and get them to pay for the same. Marketing can also be done for non-selling objectives like brand awareness, recognition, brand image enhancement etc. In essence, marketing concept creates a value for the customerRead MoreMkt 571 Week 1 Mkt 571 Week 11245 Words   |  5 Pagesworkbank247.com http://workbank247.com/q/mkt-571-week-1-to-week-6-complete-course-mkt571-co/10439 http://workbank247.com/q/mkt-571-week-1-to-week-6-complete-course-mkt571-co/10439 MKT 571 Week 1 Marketing Environment Simulation and Summary Complete  the Marketing Environment Simulation and Summary in MyMarketingLab. Save  your results report from the simulation to your computer. Click  the Assignment Files tab to submit your assignment. MKT 571 Week 2 VALS Survey Take  the VALS Survey. Submit  aRead MoreWeek 1 Homework604 Words   |  3 PagesDeborah Michelle Messenger Week 1 Homework 5/8/2016 1. Calculating OCF. 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Public Service John F. Kennedys Inaugural Address

President John F. Kennedy’s Inaugural Address is considered one of the greatest speeches in history and one of the shortest Inaugural Addresses at just 15 minutes. He attempts to build up America’s pride and calls the nation to support their country. He describes these goals using a variety of rhetorical devices to increase public reaction. His short but powerful speech gives comfort to an American public fearful of war. John Fitzgerald Kennedy was born May 29, 1917, into a new wealthy Catholic family (Mehltretter). He lived a privileged lifestyle and was known for being a playboy, not really caring about his studies. However, a trip to Pre-World War II Europe significantly impacted his life which later motivated him to join the Naval†¦show more content†¦He also makes historical references to American’s founders, for example, â€Å"†¦the same solemn oath our forebears prescribed nearly a century and three-quarters ago.† Kennedy also referen ced the natural rights theory, â€Å"the belief that the rights of man come not from the generosity of the state, but from the hand of God,† thus linking his generation with the Founders (Bill of Rights Institute). Kennedy connects with his Christian audience using a well-known bible phrase (Isaiah 58:6), â€Å"Let both sides unite to heed in all corners of the earth the command of Isaiah—to ‘undo the burdens†¦ (and) let the oppressed go free.’† Kennedy establishes pathos by appealing to Americans’ Patriotism, an important concept during the Cold War. He refers to American’s â€Å"forebears† and reminds Americans â€Å"that we are the heirs of that first revolution†. Perhaps his most important emotional appeal is the famous, â€Å"And so my fellow Americans: ask not what your country can do for you—ask what you can do for your country†. He makes his â€Å"fellow Americans† feel like they have an important part in their country, encouraging strong Patriotism and public service. Kennedy begins and ends his speech mentioning God. With this Kennedy appeals to not only American Catholics but to all Christians. He stated, â€Å"†¦For I have swornShow MoreRelatedJohn F. Kennedys Inaugural Address1049 Words   |  5 PagesJohn F. Kennedy’s Inaugural Address Ceremonial speeches are given to mark ceremonial events and help a society move beyond their differences. John F. Kennedy gave a ceremonial speech, his inaugural address, on January 20th, 1961, marking one of the most historic speeches in time. In John F. Kennedy’s Inaugural Address speech, that is being evaluated today, the author uses social cohesion as a call for the nation to give back to the country, as we should do of course, and to ask, and expect lessRead MoreThe Inaugural Address Of John F. Kennedy1441 Words   |  6 PagesThe Pathway to Success â€Å"The Inaugural Address of John F. Kennedy is considered one of the greatest speeches in twentieth-century American public address,† says Sara Ann Mehltretter from Penn State University. The 1960s was an important time period during American history. The speech was said to motivate Americans and unite them to successfully create a powerful government. In a time of desperation, the actions that the United States government would take to help come out successful was very importantRead MoreJohn F. Kennedy s Inaugural Speech2478 Words   |  10 Pagessurprise that John F. Kennedy’s Inaugural speech on January 20, 1961had a great impact on the American public (ar100). His speech is famous for it’s eloquence and ending call to action, challenging the American public to, â€Å"ask not what your country can do for you-ask what you can do for your country (JFK 1).† Traditionally, inaugural speeches are given to unify the nation and provide a clear picture of w hat the future will look like throughout the presidency. During the time of Kennedy’s inaugural speechRead MoreThe Inaugural Address Of John F. Kennedy1654 Words   |  7 PagesAn Effort Closer to A Better Country â€Å"The Inaugural Address of John F. Kennedy is considered one of the greatest speeches in twentieth-century American public address,† says Sara Ann Mehltretter from Penn State University. The 1960s was an important time period during American history. The speech was said to motivate Americans and unite them to successfully create a powerful government. In a time of desperation, the actions that the United States government would take to help come out successfulRead MoreDreams of John F. Kennedy700 Words   |  3 PagesInaugural Address: The Dreams of John F. Kennedy John Fitzgerald Kennedy; even today 50 years after his death, his name still inspires Americans and others around the globe. President Kennedy was elected in 1960; this was the start of a new decade and a new generation and was a time of great change in our nation. Kennedy was the youngest U.S. president in our history and when sworn into office spoke his Inaugural Address. His Inaugural speech addresses many problems faced by Americans and many otherRead MoreKennedy Is an American Tragic Hero1695 Words   |  7 Pagesup for dead. (Chamberlain, Ted). President Kennedy’s action as a PT skipper during WWII made him a man of noble stature long before he became the president of the United States. Becoming the thirty-fifth President of the United States is what ultimately made President Kennedy a man of great stature, an excerpt of his speech can be found in his presidential library: John F. 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He had a certain allure to him that Americans liked. Kennedy knew what to do to gain the votes of all different types of voters no matter their age, race, or religion. His campaign and presidency have inspired even todayâ €™s presidents and presidential candidates in multiple ways. John F. Kennedy was a spectacular man and president that brought a fresh feel to America and who left a legacy that will never be forgotten

Impact of future trends on banking service - MyAssignmenthelp.com

Question: Discuss about theImpact of future trends on banking service. Answer: Introduction In present day scenario, organizations are continuously experiencing a need for change in order to cope up with the volatile environment of corporate culture. Commonwealth Bank of Australia (CBA), is an Australian multinational bank having their business across United States, United Kingdom, New Zealand, Asia and Fiji (Commbank.com.au. 2017). It provides a variety of banking services like transaction accounts, savings accounts, personal loans, insurance, term deposits and international payments (Commbank.com.au. 2017). PayPal took less than three years to establish themselves as a powerful medium for online payment options. Apart from PayPal, there are Apply Pay, Google Wallet, Alipay, rolling out their own digital payment solution (Tinnil 2012). This digitization is not only generating new competitors for the banking sectors but is also providing banks an opportunity to adapt to new change in order to develop a better understanding about their customers and to co-operate with their stakeholders (Tinnil 2012). The report aims to analyse the change management plan of Common Wealth Bank of Australia under the light of digitalization and acquisition. The report also highlights some of probable environmental factors that is capable of affecting the banking market of CBA. Scenario Construction One of the principal challenges faced by the Common Wealth Bank of Australia is the increase in the trend of the disruptive new technologies on their retail payment business (rise of the FinTech). This is fundamentally changing the landscape of the retail payment markets and thus threatening the dominant market position of the bank. Thus this advent of digitalization, competition coming from the non-retail banks and change in customer preferences with influence e-commerce and social media payments have potential to impact the performance of CBA. Apart from technological innovation, the key performance driver for the over the next five years include entry by the new competitors, merger, and increase in competition for key staff. Name of Factors Reason Technical innovation It helps in strengthening the relations with one of the worlds fastest growing economies, China (Commbank.com.au. 2017) New Competitors CBA was not kept cyber-security as second thought and is years ahead in cyber security program. However, increase in the number of market competitors have lead t cut down on their profit margin Merger AIA Group Ltd. has agreed to buy CBAs business of life insurance for A$3.8 billion and will team up with CBA for 20 years (Hu 2017) Competition for key staff With the increase in the number of bank and digitalised mode of banking operation there is a dearth of key banking staffs (Mustafa et al. 2015) Figure: Competitors of CBA (Source: Financials.morningstar.com. 2017) New competitors and technological innovation can be considered to be an optimistic scenario. During 2013, CBA has announced a profit margin of $7.8 billion and this figure is significantly higher than the amount reported by any other Australian Bank. CBA have retained the profit margin via cutting the cost. However, there was no decrease in customer care service and employee retention (Motley Fool Australia 2017). Technological innovation may sound to be negative but CBA approached it with an optimistic approach. The bank has shifted its operating model to more focused on digital platforms which is similar to separate domains. There business is now getting more intimate with the IT and thus they are successful in obtaining a creditable reputation around technology (McLean 2017). Decrease in the number of the key banking staffs can be taken as a pessimistic scenario as it will lead to loss of productivity and increase in the cost of production. Diagnostic tools Kotter Change Management 8-Steps Model Activity based working style of CAB in order to adapt the trend of digitalization Creating Climate for change Engaging enabling the organisation Implementing sustaining for change Create a sense of urgency Build a guiding coalition Form a strategic vision and initiatives Enlist volunteer army Enable action for removing barrier Generate short-term wins Sustain acceleration Institute change CAB has promoted the need for change via taking a bold and aspirational opportunity. It has initiated transition in its work culture via activity-based working. It has communicated its importance via taking a new lavish set-up to support technology friendly atmosphere. In order to build a guiding coalition, CAB has first introduced 3000 staffs out of 6000 staff in the new process and had planned to introduced later 3200 when former 3000 staffs have attended proficiency and is capable to train the rest This special work-culture is done with a strategic vision to promote the concept of digitalization among the staffs CAB has failed to communicate the proper vision of the purpose of new work culture. In order to remove the each notebook supplied to the employee have been equipped with locational software They do not gave proper frame-work to access the success They have sustain the change via deploying Apple Macbook Airs for all employees They have make the change to stick via making the entire organisation a paperless mode of work-process (Source: Kotter 2018; Commonwealth Bank shifts to activity-based work culture 2011). Lewin Change Management Model Merger and Acquisition: AIAs acquisition on CBA life insurance Unfreeze: There is no major unfreeze in the organization as the company is supposed get benefits from this acquisition. It will help to boost its Common Equity Tier 1 capital by A$3 billion. However, CBA faced numerous law suit along with regulatory investigation over allegation of wide-stretch breaches of anti-money. Transition: The transition phase is not smooth. Moreover, the acquisition deal is for 20 years and this extended the transition phase. The transition phase is supposed to get over b y the end of 2018 Refreeze: Company is accepted to operate stably via the end of 2018 (Reuters 2017) Recommendation Among this two above discussed tool, Kotter 8 force model was more effective is describing and analysing the change management model. This is due to the fact that its three major traits which are further subdivided into 8 total trait help in examining the change management more critically. In the domain of change management, it can be stated that CBA must have notified the employees about its merger acquisition plan so that the employee might get certain time for the mental preparation. `in the field of digitalization, if CBA had a specific evaluation plan regarding how the employees are adapting the digital change, then it would be helpful for the managers to implement further revision or modification of the plan. Conclusion Thus from the above discussion it can be stated that digitalization along with acquisition with the AIA have helped them to stay in the competitive world of the corporate world. However there are certain modifications which CBA might have undertaken in order to facilitate the smooth transition of the organisational change like proper progress analysis plan for digitalisation along with proper leadership plan to facilitate unfreeze mode. References Commbank.com.au. (2017). Commonwealth Bank showcases innovation leadership to strengthen Chinese ties. [online] Available at: https://www.commbank.com.au/guidance/newsroom/CBA-showcases-innovation-to-strengthen-Chinese-ties-201703.html [Accessed 11 Jan. 2018]. Commbank.com.au. (2017). Personal banking products - CommBank. [online] Available at: https://www.commbank.com.au/personal/products.html?ei=mv_banking [Accessed 11 Jan. 2018]. Commonwealth Bank shifts to activity-based work culture, s. (2011). Commonwealth Bank shifts to activity-based work culture, swanky new head office. [online] CIO. Available at: https://www.cio.com.au/article/401530/commonwealth_bank_shifts_activity- Financials.morningstar.com. (2017). CMWAY: Commonwealth Bank of Australia ADR Top Competitors and Peers. [online] Available at: https://financials.morningstar.com/competitors/industry-peer.action?t=CMWAYregion=usaculture=en-US [Accessed 11 Jan. 2018]. Hu, B. (2017). AIA Buys Commonwealth Bank of Australia's Life Insurance Business for A$3.8B. [online] Insurance Journal. Available at: https://www.insurancejournal.com/news/international/2017/09/21/464991.htm [Accessed 11 Jan. 2018]. Kotter. (2018). The 8-Step Process for Leading Change - Kotter. [online] Available at: https://www.kotterinc.com/8-steps-process-for-leading-change/ [Accessed 11 Jan. 2018]. McLean, A. (2017). CBA preparing for 'digital gorillas' to join fintechs as competitors | ZDNet. [online] ZDNet. 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