Referendum allows the people to state their opinion on laws that have been enacted by the legislature, and the initiative allows the people to propose their own laws.
The three ways doctors remove skin tags is by cutting them off, burning them, or freezing them. Skin tags can be cut off with a scalpel or medical shears. They can be burned off with a medical cautery device or they can be frozen with liquid nitrogen, in which case the skin tag then falls off.
Skin tags removed in 15 minutes at home offered by http://www.skintag-s.com is one such internet site where a young lady has the liquid applied to a skin tag on her neck for 15 minutes. It falls off 5 days later and after 6 weeks there is no sign of where the skin tag used to be.