Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
SME Banks - Winning in Africa
In recent years some of the best performing banks in Africa have been indigenous banks that serve the small and medium enterprise community. This has been largely unanticipated by the investing community. For many large commercial banks, banking small businesses has always proved challenging, and in most surveys of small business finance. The reasons for this are clear. Not only do small businesses fail to fit into conventional categories - personal or retail, but they lack the ingredients that conventional banks look for in lending: audited financials, physical assets as collateral, leaders with respectable paper qualifications, and a separation of personal and business accounts.
Some of the best performing banks in recent years have focused on the SME market, often for no other reason than the scale of their balances sheets initially prevented them from accessing the larger corporates, and inefficient payment systems locked them out of the lucrative white collar market, as workers banked where their employer banked.
From adversity springs opportunity
For most African countries, large corporations account for a far smaller proportion of economic activity than in other countries. In Tanzania, a country of 40 million people, there are only around 1100 firms that employ more than 100 people. But there are almost 800,000 small and micro-businesses. The sweet spot, is not such micro-businesses, but businesses with turnovers between $5000 and $100,000 per month and with between 5 and 20 employees.
Three banks in particular illustrate this trend - Exim Bank in Tanzania, FMB in Malawi and Finance Bank in Zambia.
What do these banks share?
There seem to be some similarities between these banks and their business models. All of them have grown and continue to grow by servicing the SME market, although over time they will inevitably serve larger and larger firms, the core of their customer base is small businesses. Surprisingly, given the importance normally attached to segmentation, this seems to have played a relatively limited role in their development and strategy. Rather than separate lounges and access to a "personal relationship manager", good old fashioned access to the branch manager appears to be the model. All of these banks have some affinity for the Asian business community, both at a shareholder and a customer level. Of equal importance is the fact that these banks seem to "face east" and rely, to a larger degree than their competitors, on lower cost expatriates and technology and solutions vendors from India, and are able to meet the trading needs of businesses with links to the Middle East and Sub Continent. But these banks are very much indigenous institutions with many of the founders and managers being nationals even if of foreign decent.
This deep integration and knowledge of the market and local business community seems to play to their advantage. At the same time all of these banks have graduated from being community banks to serving the population as a whole. Their websites boast a wide range of products and services that meet the needs of small businesses and recognising the continued importance of cash handling, they focus on creating lots of branches close to the businesses they serve. But these services need to be sold and delivered effectively, and nothing is more important to a small business than a rapid decision. Almost all the winning local banks pride themselves on their service and their ability to make decisions rapidly at a local credit committee without reference to a distant credit committee in Johannesburg or Dubai.
Will they continue to win?
Most forecasts assume that Africa, with its growing working age population and strong commodity exports, will recover quickly from the global financial crisis and will continue to grow strongly over the next 5 to 10 years. The importance of the SME sector and its growth from the gradual formalisation of many micro-businesses is also unlikely to change as many countries in Africa continue to be viewed as challenging investment destinations by large international corporations. These banks, and similar banks in other countries, should therefore face a bright future, but need to plan for some changes in the environment.
The rise of the internet: Up until now cash and branches are what has mattered most too small businesses. As communications improve more and more small businesses will value the time saving and convenience offered by well developed internet banking propositions. This is an area where these banks lag significantly behind banks in more developed countries, and where larger banks that can leverage an investment in the development of a single platform amongst many operations will have an advantage.
Scaling "intimacy": as banks and their branch networks expand it becomes more and more difficult to maintain service levels and the degree of customer intimacy, and the rapid decisioning that gave them their initial edge in the market.
Improve perceptions: many customers in Africa remain very nationalistic and suspicious of both foreign brands and hold prejudiced views of the role of the Asian business community. These banks need to continue to embed themselves in the minds of consumers as local institutions that serve local interests regardless of race.
Get payments right: increasingly small business will want to be able to receive payments electronically (either over the internet, or via a POS), and to make payments electronically (to their staff, and suppliers). The growth of electronic payment systems and pricing invariably benefits larger banks. Larger banks can make salary cards offered by institutions that do not have their own ATM networks prohibitively expensive through off-us charges, and by acting as card acquirers, gain access to a SME client who seeks a POS device.
Succession planning: These and similar institutions represent interesting investment opportunities for private equity funds, but at the same time need to create credible succession plans.
Capitalisation rules: Many regulators in Africa seem fixated on sector consolidation and increasing minimum capital requirements for banks. Some of the next generation of winning SME banks might be forced to expand their capital base prematurely and then deploy the capital more loosely than would otherwise be the case.
Focusing on the SME market in Africa should remain a winning proposition, but will require increasingly sophisticated strategies. For investors and managers at smaller banks, this will continue to create important risks and opportunities in the years to come.
Richard Ketley is a director of Genesis Analytics, and has been head of the banking and access to financial services practices, since 2001. Richard is widely recognised and consulted as a leading expert on banking in Africa. He has worked extensively with banking and financial sector clients throughout Africa and the Middle East.
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