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<div class=3DSection1>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=3D=
'mso-bidi-font-weight:
normal'><span style=3D'font-size:14.0pt;font-family:Arial'>The Eight Degree=
s of
Tzedakah in Maimonides: Some Current Implications<o:p></o:p></span></b></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:11.0pt;font-family:Arial'>Thomas D. Watts<o:p></o:p></sp=
an></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><i style=3D=
'mso-bidi-font-style:
normal'><span style=3D'font-size:11.0pt;font-family:Arial'>The </span></i><=
st1:place><st1:PlaceType><i
  style=3D'mso-bidi-font-style:normal'><span style=3D'font-size:11.0pt;font=
-family:
  Arial'>University</span></i></st1:PlaceType><i style=3D'mso-bidi-font-sty=
le:
 normal'><span style=3D'font-size:11.0pt;font-family:Arial'> of </span></i>=
<st1:PlaceName><i
  style=3D'mso-bidi-font-style:normal'><span style=3D'font-size:11.0pt;font=
-family:
  Arial'>Texas</span></i></st1:PlaceName></st1:place><i style=3D'mso-bidi-f=
ont-style:
normal'><span style=3D'font-size:11.0pt;font-family:Arial'> at </span></i><=
st1:City><st1:place><i
  style=3D'mso-bidi-font-style:normal'><span style=3D'font-size:11.0pt;font=
-family:
  Arial'>Arlington</span></i></st1:place></st1:City><i style=3D'mso-bidi-fo=
nt-style:
normal'><span style=3D'font-size:11.0pt;font-family:Arial'><o:p></o:p></spa=
n></i></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=3D=
'mso-bidi-font-weight:
normal'><span style=3D'font-size:11.0pt;font-family:Arial'>Abstract<o:p></o=
:p></span></b></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'>The=
 eight
degrees of <i style=3D'mso-bidi-font-style:normal'>tzedakah</i> (charity) in
Maimonides are discussed with some current implications drawn for poverty p=
olicies.
The conclusion here is that asset-based policies that stress personal owner=
ship
would be favored over traditional &#8220;welfare,&#8221; redistributive
policies. Maimonides would favor teaching a person how to fish, rather than
giving a person a fish to eat that has already been caught and paid for by
someone else (usually, the government). A major supporting principle here is
that in the Mishneh Torah by Maimonides (10:7-15), the best and highest deg=
ree
of tzedakah is to enable a person to obtain employment, so that the person =
will
not be dependent on or requesting charity, or to extend a suitable loan,
preferably before they become impoverished, so as to prevent them from bein=
g in
a state of poverty. Principles of the &#8220;ownership society&#8221; are d=
iscussed
in respect to tzedakah. Ultimately, tsedakah is more about justice than abo=
ut
&#8220;charity,&#8221; and in that respect is concerned with prevention and
empowerment of the individual, rather than creating a dependent situation
between the individual and the state.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:11.0pt;font-family:Arial'>Introduction<o:p></o:p></span>=
</b></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Moses
Maimonides (1135-1204 CE) is considered one of the most important Jewish
thinkers in history. &#8220;Rambam&#8221; was an appellation that is common=
ly
used for this Spanish Jewish scholar, philosopher, physician and jurist. His
native city of </span><st1:City><st1:place><span style=3D'font-size:11.0pt;
  font-family:Arial'>C&oacute;rdoba</span></st1:place></st1:City><span
style=3D'font-size:11.0pt;font-family:Arial'> was invaded in 1148 CE by a M=
uslim
group, the Almohads, and he eventually moved away from </span><st1:country-=
region><st1:place><span
  style=3D'font-size:11.0pt;font-family:Arial'>Spain</span></st1:place></st=
1:country-region><span
style=3D'font-size:11.0pt;font-family:Arial'>, eventually ending up in Fust=
at, in
</span><st1:country-region><st1:place><span style=3D'font-size:11.0pt;font-=
family:
  Arial'>Egypt</span></st1:place></st1:country-region><span style=3D'font-s=
ize:
11.0pt;font-family:Arial'>. He uniquely incorporated Greek philosophy into
Judaism (Noegel &amp; Wheeler, 2002: 277). There are some parallels here wi=
th
St. Thomas Aquinas, who of course did much the same thing for Christianity.
Dobbs-Weinstein (1995) has contrasted the thought of Maimonides and Aquinas=
.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Maimonides
wrote many works. One of his most famous is <u>The Guide of the Perplexed</=
u>.
While not regarding himself as a philosopher, nevertheless this book by
Maimonides is widely regarded as a major philosophical work (Manekin, 2005).
His first major work was the <u>Commentary on the Mishneh</u>. He later wro=
te
his classic work the <u>Mishneh Torah</u> [The Torah Reviewed], in addition=
 to
his other works. The literature on Maimonides and his work is sizeable inde=
ed.
A search of the World Cat List of Records (one of the most comprehensive
information sources available) reveals a total of 3,177 publications on
Maimonides.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:11.0pt;font-family:Arial'>Eight Levels of Giving Charity
(Tzedakah) According to Maimonides.<o:p></o:p></span></b></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Maimonides&#8217;
<u>Mishneh Torah</u>, Laws of Gifts to the Poor 10:7-14, contains a list by=
 the
Rambam of eight principles of charity. Each principle will be discussed her=
e,
moving from the lowest level of charity (eighth) to the highest level (firs=
t):<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>8.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>When
donations are given grudgingly. Here giving is done with an uncheerful face,
reluctantly, haltingly. This could happen when one is confronted by a begga=
r.
However, one &#8220;clearly may not pass by but must rather notice these pe=
ople
in recognition of their basic humanity&#8221; (Dorff, 2002: 156). If donati=
ons
are given haltingly, grudgingly, then the basic humanity of the recipient h=
as
not been recognized (which of course is a key component here). <o:p></o:p><=
/span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>7.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>When
one gives less than they should, but does so cheerfully. Amsel (1994:300) n=
otes
that &#8220;it is preferable, according to Maimonides, to give less than wh=
at
the person asks or needs but with a happy disposition than to give the full
amount asked for but with an uncheerful disposition.&#8221;<o:p></o:p></spa=
n></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>6.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>When
a person gives assistance directly to the poor, but only after being asked =
to
do so. True, giving assistance after being asked to do so is better than not
giving assistance at all. However, it is better yet to give assistance when
there is obvious need without being asked.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>5.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>When
one gives assistance directly to the poor, but without being asked to do so.
Here again, the basic humanity of the person is enhanced when assistance is
offered without being asked.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>4<span style=3D'mso-tab-count:=
1'>&nbsp;&nbsp;&nbsp; </span>Donations
to the recipient who is aware of the donor&#8217;s identity, but the donor
still does not know the specific identity of the recipient (Jewish Virtual
Library, 2005).<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>3.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>Here
the donor is aware of who is receiving the charitable assistance, but the
person receiving the assistance is unaware of the source of the assistance.=
<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>2.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>Providing
assistance so that both the giver as well as the recipient are unknown to e=
ach
other. At first glance, anonymity would seem to connote a degree of
impersonalism. But here anonymity serves the purpose of enhancing the digni=
ty
of the recipient, while at the same time purifying the donor of any ego or
status in the giving process. Sometimes givers want public recognition for
their giving [plaques, honors, public acknowledgement, etc.]. </span><st1:C=
ity><st1:place><span
  style=3D'font-size:11.0pt;font-family:Arial'>St. Paul</span></st1:place><=
/st1:City><span
style=3D'font-size:11.0pt;font-family:Arial'> (himself raised in Judaism)
espoused a doctrine of Christian charity that &#8220;totally avoids any
reference to self-interest&#8221; (Douglas, 1983: 80). Certainly Maimonides
would like to cleanse or purify charity as much as possible of self-interes=
t and
personal recognition.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'>1.<span style=3D'mso-tab-count=
:1'>&nbsp;&nbsp; </span>Finally,
the highest form of charity is to sustain an individual before they become
impoverished or destitute, by offering a substantial gift, in a dignified a=
nd
honorable manner, or by making a suitable loan to a person, or by helping t=
hem
find employment or establish them in business so as to prevent their becomi=
ng
dependent on others. Prevention and self sufficiency or two key concepts he=
re.
During medieval times, Widroff (1987) points out, concern in Judaism for the
status, the dignity and the overall future prospects of the recipient of
assistance was a genuine concern. Dorff (2002:156) states: <o:p></o:p></spa=
n></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-top:0in;margin-right:.5in;margin-botto=
m:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;tab-stops:.25in'>=
<span
style=3D'font-size:11.0pt;font-family:Arial'>If assistance is necessary, fo=
r both
practical and moral reasons it is better to proffer employment, a loan, or
investment capital to poor people than to give money as a dole. A loan or
investment has the potential for making the poor person self-supporting, th=
us
eliminating the drain on the community&#8217;s<span
style=3D'mso-spacerun:yes'>&nbsp; </span>resources. It also preserves the d=
ignity
of the poor person now and, if the venture succeeds, for the long term.<o:p=
></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:11.0pt;font-family:Arial'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:11.0pt;font-=
family:
Arial'>Conclusion<o:p></o:p></span></b></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:11.0pt;font-=
family:
Arial'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Dalin
(1997) avers that from ancient </span><st1:country-region><st1:place><span
  style=3D'font-size:11.0pt;font-family:Arial'>Israel</span></st1:place></s=
t1:country-region><span
style=3D'font-size:11.0pt;font-family:Arial'> to pre-New Deal </span><st1:c=
ountry-region><st1:place><span
  style=3D'font-size:11.0pt;font-family:Arial'>America</span></st1:place></=
st1:country-region><span
style=3D'font-size:11.0pt;font-family:Arial'>, Judaism emphasized individual
self-help and self-sufficiency, not welfare state intervention and control.
Friedman (2002:17) notes that the &#8220;role of <u>tzedakah</u> creates an
environment where individuals can begin to empower themselves.&#8221; In the
Jewish tradition, <u>tzedakah</u> becomes an entitlement (Goldstein, 1988),
rather than charity as we have traditionally understood the term in the
Christian tradition. <u>Tzedakah</u> in the Jewish tradition means justice =
or
righteousness (Friedman, 2002). Tzedakah was balanced by &#8220;chesed,&#82=
21;
which means loving kindness. Here charity and social welfare must ideally
include both justice on the one hand, and charity on the other hand (</span=
><st1:place><span
 style=3D'font-size:11.0pt;font-family:Arial'>Watts</span></st1:place><span
style=3D'font-size:11.0pt;font-family:Arial'>, 2006). As the familiar saying
goes, no justice, no peace. There must be justice first, before anything el=
se.
Indeed, the great Jewish social justice tradition, reflected in its concern=
 for
poverty and inequality (</span><st1:place><span style=3D'font-size:11.0pt;
 font-family:Arial'>Watts</span></st1:place><span style=3D'font-size:11.0pt;
font-family:Arial'>, 2006), has been a shining beacon over the course of hu=
man
history.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>The
conclusion drawn here is that Maimonides would favor asset-based policies t=
hat
stress personal ownership over traditional &#8220;welfare,&#8221;
redistributive approaches. This can be looked at as part of a larger concep=
tion
of the &#8220;ownership society.&#8221; A definition of &#8220;own&#8221; is
&#8220;to have or possess&#8221; (<u>The American Heritage Dictionary</u>,
1994: 595). The &#8220;aim of the ownership society is to increase for citi=
zens
the amount of ownership, and choice. In so doing, people have more of an
investment in society&#8221; (</span><st1:place><span style=3D'font-size:11=
.0pt;
 font-family:Arial'>Watts</span></st1:place><span style=3D'font-size:11.0pt;
font-family:Arial'>, 2005: 169). The idea of the ownership society has rece=
ived
support from the Bush Administration. President George W. Bush has stated t=
hat
&#8220;&#8230;if you own something, you have a vital stake in the future of=
 our
country&#8230;&#8221; (The White House, 2004). Aristotle noted (1998: 28-29)
that &#8220;what is held in common by the largest number of people receives=
 the
least care. For people give the most attention to their own property, less =
to
what is communal&#8230;&#8221; Thomas Aquinas (1988: 72) agreed, stating th=
at
&#8220;everyone is more concerned to take care of something that belongs on=
ly
to him&#8230;&#8221;<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Asset
based approaches stress the importance of increasing the total assets of the
poor. Individual Development Accounts are special accounts where the saving=
s of
the poor are &#8220;matched&#8221; by another party (usually, the governmen=
t).
This concept was introduced by Michael Sherraden (1991). The Child Trust Fu=
nd
program in the </span><st1:country-region><st1:place><span style=3D'font-si=
ze:
  11.0pt;font-family:Arial'>United Kingdom</span></st1:place></st1:country-=
region><span
style=3D'font-size:11.0pt;font-family:Arial'> seems to hold much promise.
Maimonides would no doubt approve of IDAs, for the dignity of the poor is
respected and indeed enhanced. Here, policies would assist the poor in the
knowledge and skills of how to fish, rather than giving the poor a fish tha=
t is
caught by someone else. </span><st1:City><st1:place><span style=3D'font-siz=
e:
  11.0pt;font-family:Arial'>Independence</span></st1:place></st1:City><span
style=3D'font-size:11.0pt;font-family:Arial'> is enhanced, rather than
dependence.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span>Are
asset based programs and the ownership society enough? The Rambam would
probably answer that they are not enough. Traditional &#8220;welfare&#8221;
programs may be needed for awhile, until a transition can take place to
programs that are asset based. Also, asset based programs (and social welfa=
re
in general) must be adequately organized so that people do not &#8220;fall
through the cracks.&#8221; Needed is a larger change of heart, an awareness=
 of
God&#8217;s greatness, justice and mercy. In the view of Maimonides, &#8220=
;it
is not God who abandoned us, but we who have turned our backs on him.&#8221=
; (Seeskin,
1991:126).<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><sp=
an
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp; </span><u>Tzedakah</u>,
for Maimonides, must be undertaken with a keen awareness (with a strong
component of reason, like Aquinas) of the dignity of the human person. The
human person has been created by God and is here for a time, only later to
return to God. <u>Tzedakah</u> is owed to all of God&#8217;s creatures.<o:p=
></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:11.0pt;font-family:Arial'><o:=
p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=3D=
'mso-bidi-font-weight:
normal'><span style=3D'font-size:11.0pt;font-family:Arial'>References</span=
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and Poverty.&#8221; In Odekon, Mehmet, ed. <u>Encyclopedia of World Poverty=
</u>.
</span><st1:place><st1:City><span style=3D'font-size:10.0pt;font-family:Ari=
al'>Croton-on-Hudson</span></st1:City><span
 style=3D'font-size:10.0pt;font-family:Arial'>, </span><st1:State><span
  style=3D'font-size:10.0pt;font-family:Arial'>N.J.</span></st1:State></st1=
:place><span
style=3D'font-size:10.0pt;font-family:Arial'>: Golson Books, Ltd., forthcom=
ing.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><st1:place><span
 style=3D'font-size:10.0pt;font-family:Arial'>Watts</span></st1:place><span
style=3D'font-size:10.0pt;font-family:Arial'>, Thomas D. (2006). &#8220;Cha=
rity.&#8221;
In Odekon, Mehmet, ed. <u>Encyclopedia of World Poverty</u>. Croton-on </sp=
an><st1:place><st1:City><span
  style=3D'font-size:10.0pt;font-family:Arial'>Hudson</span></st1:City><span
 style=3D'font-size:10.0pt;font-family:Arial'>, </span><st1:State><span
  style=3D'font-size:10.0pt;font-family:Arial'>N.Y.</span></st1:State></st1=
:place><span
style=3D'font-size:10.0pt;font-family:Arial'>: Golson Books, Ltd., forthcom=
ing.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'>The White House (2004). Fact S=
heet: </span><st1:country-region><st1:place><span
  style=3D'font-size:10.0pt;font-family:Arial'>America</span></st1:place></=
st1:country-region><span
style=3D'font-size:10.0pt;font-family:Arial'>&#8217;s Ownership Society:
Expanding Opportunities. Washington, D.C. <a
href=3D"http://www.whitehouse.gov/news/releases/2002/08/20040809-9"><span
style=3D'color:windowtext;text-decoration:none;text-underline:none'>www.whi=
tehouse.gov/news/releases/2002/08/20040809-9</span></a><o:p></o:p></span></=
p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'>Widroff, Jerome S. (1987). Med=
ieval
Jewish Social Welfare Institutions. Ph. D. Dissertation. </span><st1:place>=
<st1:PlaceName><span
  style=3D'font-size:10.0pt;font-family:Arial'>Yeshiva</span></st1:PlaceNam=
e><span
 style=3D'font-size:10.0pt;font-family:Arial'> </span><st1:PlaceType><span
  style=3D'font-size:10.0pt;font-family:Arial'>University</span></st1:Place=
Type></st1:place><span
style=3D'font-size:10.0pt;font-family:Arial'>. </span><st1:City><st1:place>=
<span
  style=3D'font-size:10.0pt;font-family:Arial'>Ann Arbor</span></st1:place>=
</st1:City><span
style=3D'font-size:10.0pt;font-family:Arial'>, MI.: UMI Dissertation Inform=
ation
Service.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'>N.B. Not all references listed=
 here
are actually cited in the text.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;tab-stop=
s:.25in'><span
style=3D'font-size:10.0pt;font-family:Arial'>Acknowledgement: <span
style=3D'mso-spacerun:yes'>&nbsp;</span>I would like to thank Ms. Lynda Arn=
old
for her work on the manuscript.<o:p></o:p></span></p>

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