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.
It is possible to remove a skin tag by tying a piece of thread or dental floss around it. Basically, by tying some kind of string around the tag you cut off its blood supply. Without any blood supply, the skin tag will eventually fall off.