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.
However, aloe vera can also completely knock out skin tags altogether as well. Simply put, in order to remove a skin tag with aloe vera, you will want to go ahead and apply some of the gel/liquid from the plant (or bottle if you pick it up at the store), and rub it on to the skin tag.