IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(CrossRef DOI)
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Paper Title: PHILOSOPHY OF HUMANISM IN MULK RAJ ANAND'S WORKS
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1134608
Register Paper ID - 222749
Title: PHILOSOPHY OF HUMANISM IN MULK RAJ ANAND'S WORKS
Author Name(s): Dr. Awadhesh Kumar Mishra
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 163-168
Year: July 2015
Downloads: 424
Humanism is actually a philosophical and rational stance that divulges us through science, inspires by art and urges by compassion. In humanism, the emphasis is given to the importance of human beings, place and nature in the universe. It gives the affirmation to the human dignity and gives support to the individual liberty. It believes that human beings have right and responsibility to shape their own lives. It enriches and nourishes the lives and zests the adventure of discovery. It seeks new knowledge and explores new options. In humanism, the importance is given to the human needs and values than the religious beliefs. The person is set with his own ethics, envious about the knowledge of the universe. A humanist is never afraid to challenge and explore. Mulk Raj Anand is a novelist whose province is human nature. His novels embrace human experiences and convey a sense of life and character like a coloured glass. He has literally immersed into the flowing, vibrant core of humanity and he feels its grief to the very marrow of his bones. Being a humanist Anand has skillfully depicted the Indian society which is hostile and callous to the lots of the low-born. His first novel 'Untouchable' is an account of a day in the life of its protagonist - Bakha, an untouchable sweeper boy. It delineates the feelings, aspirations and problems of this sweeper boy who undergoes a lot of hardship being a low-caste within Indian society. His plight has been explored by the writer in sympathetic but objective way.
Licence: creative commons attribution 4.0
Humanism, Compassion, Dignity, Values, Ethics.
Paper Title: THE ROLE OF BASEL MISSION IN SOUTH CANARA
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1134287
Register Paper ID - 213203
Title: THE ROLE OF BASEL MISSION IN SOUTH CANARA
Author Name(s): Dr Gowri Naidu
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 913-918
Year: August 2015
Downloads: 757
The Basel missionaries contributed to the wellbeing of all people and it was really a magnificent task for them to note only bring about a new order in society but also a new social economy to bring about stability and create a resourcefulness among their people. Social welfare was also high up on the list of priorities of the Basel Missionaries. The industrial establishment opened a provident fund for the workers. The protestant community had its impact on the economy of south Canara and provided their converts all necessary help towards achieving social welfare. The Basel mission was given the credit for industrializing South Canara, with its far sightedness in seeing the need and feeling the pulse for a stable economic life for their converts irrespective of caste or creeds.
Licence: creative commons attribution 4.0
THE ROLE OF BASEL MISSION IN SOUTH CANARA
Paper Title: INFLUENCE OF SOCIAL MEDIA ON CONSUMER DECISIONS: A CRITICAL STUDY
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1134193
Register Paper ID - 212012
Title: INFLUENCE OF SOCIAL MEDIA ON CONSUMER DECISIONS: A CRITICAL STUDY
Author Name(s): Amit Sharma
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 204-214
Year: September 2015
Downloads: 856
Different types of social media platforms are available to a user which have peculiar characteristics of their own. Also, this field being very dynamic, newer platforms keep on adding on a continuous basis. All this adds to more complexity and confusion. The core of all these platforms is network relationships. The major reason people take part in these activities is to build new relationships and sustain the existing ones. Initially, only a few organisations used social media, that too as a means for communicating with their customers, as they were unsure about the usefulness as a marketing tool. But in the last decade, they have woken up to the fact that social media can be used in a big way as a promotion tool to influence consumer behaviour. We see many companies creating their profiles on various social media platforms for engaging their present and prospective customers. The pace of change in this context is quite fast; that is why companies always have to look for new and innovative marketing strategies to match up with the changing trends in the market.
Licence: creative commons attribution 4.0
Social Media; Consumer; Marketing; Strategies; Decision- Making; consumer purchase
Paper Title: THE IMPACT OF AI ON IDENTITY AND ACCESS MANAGEMENT: AN EMPIRICAL ANALYSIS
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1134114
Register Paper ID - 210558
Title: THE IMPACT OF AI ON IDENTITY AND ACCESS MANAGEMENT: AN EMPIRICAL ANALYSIS
Author Name(s): Ishaq Azhar Mohammed
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 672-675
Year: September 2015
Downloads: 1119
The main purpose of this paper is to conduct an empirical analysis on how artificial intelligence impacts Identity and Access Management. Artificial Intelligence (AI) and Machine Language (ML) are having a significant effect on the security sector [1]. Developers of identity access management solutions consider these technologies as important opportunity that they should provide to their clients. Artificial intelligence analytics may offer greater perspective and contextual insights, allowing more time-efficient operations for technical and non-technical personnel. Technological advancements offer fresh insights and automated procedures, which dramatically accelerate current IAM compliance checks [2]. They are capable of detecting abnormalities and possible threats without the need for a big security personnel. This provides both specialized and non-specialized employees with the skills they need to take the necessary decisions. Such development is important, particularly in the field of anti-money laundering and fraud detection, as well as in countering malicious attacks. Additionally, it opens the door for the transition from reactive to preventive or even corrective access management. This means that companies are constantly controlled, safe and consistently compliant.
Licence: creative commons attribution 4.0
Artificial intelligence, Identity and Access Management (IAM), Analytics, Automation
Paper Title: Premchand poorv Hindi Upanyas ek avalokan
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1134024
Register Paper ID - 206004
Title: PREMCHAND POORV HINDI UPANYAS EK AVALOKAN
Author Name(s): Dr. SINA.A.R
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 996-998
Year: August-2015
Downloads: 1508
Licence: creative commons attribution 4.0
Paper Title: CORPORATE FINANCIAL REPORTING - A REVIEW OF LITERATURE
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133988
Register Paper ID - 204431
Title: CORPORATE FINANCIAL REPORTING - A REVIEW OF LITERATURE
Author Name(s): CS Juhi Kohli
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 753-761
Year: September 2015
Downloads: 1528
Corporate Financial Reporting is an integral part of Corporate Reporting as most of the investment decisions of any prospective investor will be based on the financial health of the company. Financial information is always considered of utmost relevance as it gives a clear picture of the current as well as the future viability and profitability of the company. This article has reviewed the existing literature on the topic as many authors have studied the extent of Corporate Financial Reporting and also the impact of reporting performance of the organization. Several tools have been used to study the data. In the current article, the author has compiled the previous research done on the topic of Corporate Financial reporting.
Licence: creative commons attribution 4.0
Keywords: Corporate Reporting, Financial Reporting, Disclosures, Bombay Stock Exchange.
Paper Title: FINANCIAL INLCUSION: A LITERATURE REVIEW
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133987
Register Paper ID - 204430
Title: FINANCIAL INLCUSION: A LITERATURE REVIEW
Author Name(s): Dr. Priyanka Gaur
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 747-752
Year: July 2015
Downloads: 1688
Licence: creative commons attribution 4.0
Paper Title: UPANYAS SHABDH KE SYDHANDHIKNVIVECHAN
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133979
Register Paper ID - 204310
Title: UPANYAS SHABDH KE SYDHANDHIKNVIVECHAN
Author Name(s): Dr.Sina Asokan Rajeswary
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 690-691
Year: August-2015
Downloads: 1441
upanyas shabdh ke sydhandhiknvivechan
Licence: creative commons attribution 4.0
upanyas shabdh ke sydhandhiknvivechan
Paper Title: NOVELS OF SATINATH BHADURI AND THEIR INWARD JOURNEY TO SOLITUDE
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133814
Register Paper ID - 201594
Title: NOVELS OF SATINATH BHADURI AND THEIR INWARD JOURNEY TO SOLITUDE
Author Name(s): Shilpee Roy
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 427-429
Year: September 2015
Downloads: 1508
Abstract: Bengali literature looks up to Satinath Bhaduri�s works as significant gestures to fresh trend. Satinath Bhaduri started his epoch-making journey in literature in 1932 and till date Bengali novels got its new forms. He had got foreign influence in connection of form and traits. Post II world war gave a first-hand juncture to human life. People started living with new experiences and rupture. And they started reflecting in literature. Novels became more critical to life. The characters plunged deep into themselves in search of solitude. And thus a new language evolved. The language not only shouldered the burden of time but also tried to awake slumbered souls. Satinath Bhaduri�s novels talk about inner crisis and alienation which everyone goes through. His character takes an inner journey which leads him to an utter void. However, the inner journey is not about to celebrate, but to become deeper about life like a mystic. Henceforth, his novels accolade new form and tradition to Indian literature.
Licence: creative commons attribution 4.0
Keywards: In Search of Solitude, Foreign Influence, Inner Crisis and Alienation.
Paper Title: THE STUDY OF COHERENT ATOM MOLECULE IN LINEAR APPROXIMATION OF JOSEPHOSON FREQUENCY
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133777
Register Paper ID - 201129
Title: THE STUDY OF COHERENT ATOM MOLECULE IN LINEAR APPROXIMATION OF JOSEPHOSON FREQUENCY
Author Name(s): Deepak Kumar
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 159-164
Year: August 2015
Downloads: 1462
This imaging technique is sensitive to a specific absorption line of the atoms it does not measure the number of molecules. One also expects to observe oscillations in the number of condensate atoms. Moreover, if the situation is such that the detuning between the pulses is relatively large the effect of the coupling can be neglected and the frequency of the observed oscillations corresponds to the energy difference between the atoms and the molecules ie. the molecular binding energy. This is indeed what is observed, thereby providing compelling evidence for the existence of coherence between atoms and molecules.
Licence: creative commons attribution 4.0
THE STUDY OF COHERENT ATOM MOLECULE IN LINEAR APPROXIMATION OF JOSEPHOSON FREQUENCY
Paper Title: POLITICAL STATUS OF DALITS IN UDUPI DISTRICT
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133724
Register Paper ID - 200575
Title: POLITICAL STATUS OF DALITS IN UDUPI DISTRICT
Author Name(s): MANJUNATHA
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 747-750
Year: August 2015
Downloads: 1505
Udupi district had a population of 11,77,908 Males constituted 49% of the population and females 51% as per 2011 census. The average literacy rate was 83%, higher than the national average of 59.5%; male literacy was 86% and female literacy 81%. Eight percent of the population was under 6 years of age.Udupi, which previously had a Town Municipal Council now has a City Municipal Council which came into existence in 1995. Areas around Udupi, such as Manipal, Malpe and Santhekatte were merged to form the City Municipal Council.Scheduled Caste and Scheduled Tribe population in the district was 109301 in the year 2011.
Licence: creative commons attribution 4.0
POLITICAL STATUS OF DALITS IN UDUPI DISTRICT
Paper Title: VALUE EDUCATION: A MISSING MARK IN HIGHER EDUCATION
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133710
Register Paper ID - 200542
Title: VALUE EDUCATION: A MISSING MARK IN HIGHER EDUCATION
Author Name(s): Miss. Relekar Ashwini Suresh
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 672-675
Year: September 2015
Downloads: 1497
Value education is higher education is towards the inculcation of values. And the core idea behind value education is to cultivate essential values in the young minds of the students so that the civilization that teaches us to manage complexities can be sustained and further developed. Value education is a universal phenomenon intrinsic to all learning and education, whether at home or in an institution/university/college. Mere academic knowledge without deep-rooting in moral and spiritual values will only fashion lop-sided personalities who may become rich in material possessions, but will remain poor in self-understanding and peace. The development of human values, aims to develop the individual as �self; which is also the ultimate aim of education and it is directly an attempt towards human learning.
Licence: creative commons attribution 4.0
Ego, materialism, selfishness, achievement fever, Gurukul, man and machine etc.
Paper Title: WOMEN LITERACY IN RURAL BIHAR: CHALLENGES AND OPPORTUNITIES
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133632
Register Paper ID - 200008
Title: WOMEN LITERACY IN RURAL BIHAR: CHALLENGES AND OPPORTUNITIES
Author Name(s): Kumari Pushpa Sharma
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 196-200
Year: August 2015
Downloads: 1505
WOMEN LITERACY IN RURAL BIHAR: CHALLENGES AND OPPORTUNITIES
Licence: creative commons attribution 4.0
WOMEN LITERACY IN RURAL BIHAR: CHALLENGES AND OPPORTUNITIES
Paper Title: MEZERMENTS OF URBAN AND RURAL STUDENTS ATTITUDE SEXUAL RELATION TO THEIR MODULARIZATION
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133525
Register Paper ID - 199024
Title: MEZERMENTS OF URBAN AND RURAL STUDENTS ATTITUDE SEXUAL RELATION TO THEIR MODULARIZATION
Author Name(s): Dr.Ram Narayan Pandey , Dr. Mukesh Kumar Mishra
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 533-536
Year: July 2015
Downloads: 1463
Rural and urban boy students form two distinct groups with regard to the strength of the grip of social ad cultural taboos.While urban students experiece less strength of the grip of social and cultural taboos,rural students experiece more strength of the grip of social and cultural taboos.Urbans are more exposed to mass-media and different literature on sexual life than rurals.Consequently,Urbans are expected to be more open to sexual activities and attitudes.As such,the main objective of the investigation is to trace out the effect urbanization on attitudes of college students towards premarital sex,pornogaphy,polygamy and homosexuality.In the light of the objective,the following hypotheses were formulated:-
Licence: creative commons attribution 4.0
MEZERMENTS OF URBAN AND RURAL STUDENTS ATTITUDE SEXUAL RELATION TO THEIR MODULARIZATION
Paper Title: EMOTIONAL MATURITY AMONG M.ED. STUDENTS IN RELATION TO THEIR SOCIAL ADJUSTMENT
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133505
Register Paper ID - 198763
Title: EMOTIONAL MATURITY AMONG M.ED. STUDENTS IN RELATION TO THEIR SOCIAL ADJUSTMENT
Author Name(s): Harcharan Singh
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 409-418
Year: July 2015
Downloads: 1485
Emotions by nature enable the organism to cope up with circumstances which demand the strong efforts for survival. Emotions have strong link with urges, needs and interests. Emotional maturity is the effective determinant of personality pattern as well it also helps to control the growth of individual�s development. Emotional pressure is one of the emerging issues in the country like India. It is increasing day by day and affected by various factors. An emotionally mature person has the capacity to withstand delay in satisfaction of needs. He/she has belief in long term planning and is capable of delaying or revising his/her expectations in terms of demands of situations. This study aims to study about the relationship of emotional maturity and social adjustment of M.Ed. Students. The Findings of the study revealed that there is significant difference between male and female M.Ed. Students in their emotional maturity and social adjustment. There is no significant difference between Arts and Science M.Ed. Students in their emotional maturity and social adjustment. There is significant difference between First year and Second year M.Ed. Students in their emotional maturity and social adjustment. The Findings of the study also revealed that there is no significant difference between Punjabi medium and English medium M.Ed. Students in their emotional maturity and social adjustment. There is significant difference between M.Ed. Students of rural and urban colleges of education in their emotional maturity and social adjustment. There is significant relationship between M.Ed. Students in their emotional maturity and social adjustment.
Licence: creative commons attribution 4.0
Emotional Maturity, Social Adjustment, M.Ed. Students.
Paper Title: AUTOMATION TESTING IN INFORMATION TECHNOLOGY
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133463
Register Paper ID - 197583
Title: AUTOMATION TESTING IN INFORMATION TECHNOLOGY
Author Name(s): Sikender Mohsienuddin Mohammad
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 118-125
Year: August 2015
Downloads: 1626
Despite the proliferation of quality assurance tools and experts, IT software testing has been critical in the development and security of software systems in the internet space. The complexities and challenges of testing have pushed experts to the technology of test automation, which comes in several phases and with ultimate calls for heightened levels of management and control. In this paper, a clear demonstration of the automation approaches and the development approaches is eminent. The results of the research clearly show that automating software testing realms is the new strategy that is poised to change the usability, security, efficiency, and reliability of the current and future software programs.
Licence: creative commons attribution 4.0
Automation Testing in Information Technology
Paper Title: IMPACT OF KISHORI SAKTI YOJANA FOR THE EMPOWERMENT OF SCHEDULED CASTE WOMEN IN KERALA
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133459
Register Paper ID - 197443
Title: IMPACT OF KISHORI SAKTI YOJANA FOR THE EMPOWERMENT OF SCHEDULED CASTE WOMEN IN KERALA
Author Name(s): Dr. RADHAKRISHNAN T T
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 69-85
Year: July 2015
Downloads: 1553
Women empowerment has attracted the attention of the researchers as an active area of research since 1980�s. It can be viewed as an ultimate as well as a mean to achieve other developmental goals. This study assesses the impacts of Kishori Sakti Yojana for the empowerment of Scheduled Caste women in Kerala. The present study was an attempt to investigate how decision-making ability, educational background, socio-economic conditions, social awareness, self-confidence, self-esteem, leadership qualities are in a way to achieve the goals of women�s empowerment. The researcher undertook the study to explore the impact of Kishori Sakti Yojana upon the Scheduled Caste and general beneficiaries of the programme concerned. Impact has been measured by comparing the participants of the programme among Scheduled Caste and general categories. The comparison is based on the primary data collected from the field. For measuring the impact of the Kishori Sakti Yojana women empowerment scale is constructed.Women empowerment was measured by nine dimensions of empowerment i.e. Household decision making ability, Self-confidence,Education, Self-esteem, Health awareness Political decision making, Economic decision making, Legal awareness and Leadership.The study reveals that Kishori Sakti Yojana has been found successful for the emancipation and upliftment of the beneficiaries of the programme. The present study also discusses the limitations of the existing functioning of the programme as well. The study dealt with the challenges and prospects of the empowering programme. On the basis of the findings of the study some suggestions have been given to improve the programme effectiveness and to remove various problems associated with the design and implementation of the programme concerned.
Licence: creative commons attribution 4.0
Empowerment, Empowerment of women, Impact, Kishori Sakti Yojana, Scheduled Caste,
Paper Title: AN ESTIMATE TO TAX BUOYANCY OF SERVICE TAX OF UNION BUDGET OF INDIA
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133380
Register Paper ID - 191622
Title: AN ESTIMATE TO TAX BUOYANCY OF SERVICE TAX OF UNION BUDGET OF INDIA
Author Name(s): P. Nalraj
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 522-526
Year: September 2015
Downloads: 1674
Elasticity of tax is the rate of proportionate change in the tax revenue due to change in GDP while tax buoyancy is the composite of the change in tax revenue due to change in GDP and change in tax rate and tax base.To date, many developing countries still face difficulty in raising tax revenue to thelevel required for promotion of economic growth. A poor tax performance, in terms ofraising revenue can mean either deficiencies in tax structure policy or an inadequateeffort to collect, on the part of the government, both of which are influenced byvarious factors.The goal of indirect tax reform is to have asingle goods and services tax (GST) that isapplied on all firms. This would involve VATcredits running across all kinds of firms inthe economy. The use of a single rate wouldeliminate political lobbying about rates, andeliminate problems of classification. Theuse of a single rate is neutral to the natureof activity of the firm, thus removing one source of tax-induced distortions in resourceallocation.The average percentage change of 0.827 percent in Service Tax for 1 percent change in value of services in GDP indicating that the tax buoyancy of Service Tax for the study period is very high and significant.
Licence: creative commons attribution 4.0
Tax Buoyancy,Service Tax, Elasticity of Demand and Supply, regression analysis, demand absolutely inelastic.
Paper Title: AN ANALYSIS OF FDI FLOW AND TRENDS IN INDIA
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133201
Register Paper ID - 191450
Title: AN ANALYSIS OF FDI FLOW AND TRENDS IN INDIA
Author Name(s): Prof. Shobha.N
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 103-118
Year: September 2015
Downloads: 1574
FDI is an important source, a cradle of development and an essential component in the growth strategy of both developed and developing countries and hence the policies are designed and framed in such a mannerso as to stimulate inward FDI. It is a major source of finance from foreign countries which means that countries with meagre amounts of capital can attract finance influx from other wealthier countries. FDI has been one of the crucial player in China's exponential economic growth. It creates a lucrative/profitable situation for both - the host and the home countries. It promotes an open business climate, and helps in building advanced technologies and promotes advanced employee training programs, besides helping Government revenue to multiply. FDI inflow in the last two and a half decades, stimulated by globalization and liberalization of the Indian economy has played a complementary role in bridging
Licence: creative commons attribution 4.0
prises as a mother ensures her kids against the en
Paper Title: GLOBALISATION AND INDIAN WOMEN : AN OVERVIEW
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT1133128
Register Paper ID - 191338
Title: GLOBALISATION AND INDIAN WOMEN : AN OVERVIEW
Author Name(s): MAHANTESH ANGADI
Publisher Journal name: IJCRT
Volume: 3
Issue: 3
Pages: 520-527
Year: August 2015
Downloads: 1640
Licence: creative commons attribution 4.0
what the forces of globalisation have in
The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world.
Indexing In Google Scholar, ResearcherID Thomson Reuters, Mendeley : reference manager, Academia.edu, arXiv.org, Research Gate, CiteSeerX, DocStoc, ISSUU, Scribd, and many more International Journal of Creative Research Thoughts (IJCRT) ISSN: 2320-2882 | Impact Factor: 7.97 | 7.97 impact factor and ISSN Approved. Provide DOI and Hard copy of Certificate. Low Open Access Processing Charges. 1500 INR for Indian author & 55$ for foreign International author. Call For Paper (Volume 13 | Issue 12 | Month- December 2025)

