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CHAPTER ONE INTRODUCTION BACKGROUND OF THE STUDY Online investment programs have recently in Nigeria become a household name and very popular among the youths. it can simply be defined as the process of pledging a certain amount online to assist a person or group of people with the sole aim of getting back the amount invested with some amount of interest. The increase of these online investment programs has been ...

CHAPTER ONE INTRODUCTION Background of the Study Alcohol is a psychoactive drug that has a depressant effect.  People have been brewing and fermenting alcoholic drinks since the dawn of civilization.  Consumed in moderate amount, alcoholic beverages are relaxing and in some cases may even have beneficial effects in heart, health, consumed in excess alcohol is poisonous to human systems and is considered a drug. When people take (drink) alcohol, it ...