This popular, best-selling title, used by many banks for training their staff, covers the international aspects of lending and for that reason the text has now been globalised to ensure it is appropriate for all students. This third, fully up-dated edition covers the impact of the latest technology for lending assessment as well as legal issues concerning lending to corporate organisations, and also to private individuals. It features chapters on acquisition finance, franchising, factoring, a new section on project finance plus the control of a lending portfolio and the increased use of new technology. Some highly topical areas have been expanded. Sovereign risk has been incorporated and the whole area of rating agencies has been updated to include the difference between the ratings and the primary need of the banker, i.e. the Probability of Default. Finally there is now greater emphasis on the analysis of cash flow and the switch by lenders from the analysis of profitability and the need to produce and use cash flow projections. "This new and expanded edition provides the definitive reference book on lending for those in the banking industry. Its clear and accessible style makes it equally useful for the seasoned practitioner and for those training for the future. Nick's extensive practical and theoretical experience makes this a book that clarifies and educates, and which will be as useful in these times not only for bankers, but also for the non-banker seeking to understand what their bank is trying to achieve and why." Andy Bainbridge Head of Credit Risk (Western Hemisphere), Standard Chartered Bank
Explains the theory of political survival, particularly in cases of dictators and despotic governments, arguing that political leaders seek to stay in power using any means necessary, most commonly by attending to the interests of certain coalitions.
A groundbreaking new theory of the real rules of politics: leaders do whatever keeps them in power, regardless of the national interest. As featured on the viral video Rules for Rulers, which has been viewed over 3 million times. Bruce Bueno de Mesquita and Alastair Smith's canonical book on political science turned conventional wisdom on its head. They started from a single assertion: Leaders do whatever keeps them in power. They don't care about the "national interest"-or even their subjects-unless they have to. This clever and accessible book shows that democracy is essentially just a convenient fiction. Governments do not differ in kind but only in the number of essential supporters, or backs that need scratching. The size of this group determines almost everything about politics: what leaders can get away with, and the quality of life or misery under them. The picture the authors paint is not pretty. But it just may be the truth, which is a good starting point for anyone seeking to improve human governance.
This book, first published in 1960 and revised in 1986, is an important analysis of the under-studied Northern frontier of the British Indian Empire. It considers British relations across the Himalayas, looking at encounters with Bhutan, Sikkim, Nepal and Tibet.
Typography is the most ubiquitous of the graphic arts, with all of us now having access to innumerable fonts and the typographic tools that can, in the right hands, lift any text from the mundane to the beautiful. Opening with an overview of the history of the art, Typography Pocket Essentials introduces the key principles and techniques of typography, and presents 200 of the most useful and important fonts, making it a handy primer and essential reference guide all rolled into one. - Learn the rich history of the art, from Gutenberg to Neville Brody and beyond - Master the principles of effective typography and create beautiful documents yourself - 200 key fonts are profiled for easy reference and rapid selection
Equity and Trusts is an ideal textbook for undergraduate courses on the law of trusts and equitable remedies. It provides a clear, current and comprehensive account of the subject through which the author’s enthusiasm and expertise shine through, helping to bring to life an area of the law which students often find difficult. Beginning with the core principles, Professor Hudson reinforces the key points by means of clear examples throughout each chapter, helping students to build and develop their own knowledge of equity and trusts.
This is the third edition of an established and successful university textbook. The original structure and philosophy of the book continue in this new edition, providing a genuine synthesis of modern ecological and physiological thinking, while entirely updating the detailed content. New features include a fresh, unified treatment of toxicity, emphasizing common features of plant response to ionic, gaseous, and other toxins, explicit treatment of issues relating to global change, and a section on the role of fire in plant physiology and communities. The illustrations in the text are improved over previous editions, including color plates for the first time, and the authors' continuing commitment to providing wide citation of the relevant literature has further improved the reference list. This revision of Environmental Physiology of Plants will ensure the reputation of this title as a useful and relevant text well into the 21st century. Includes enhanced illustrations, now with color plates Examines new molecular approaches which can be harnessed to solve problems in physiology Features new topics such as the unified treatment of toxicity, an explicit treatment of the issues relating to global change, and a section on the role of fire
Continuing the exceptional tradition of the previous editions, Quantum Mechanics, Fourth Edition provides essential information about atomic and subatomic systems and covers some modern applications of the field. Supported by a Web page that contains a bibliography, color versions of some of the illustrations, and links to other relevant sites, the book shows how cutting-edge research topics of quantum mechanics have been applied to various disciplines. It first demonstrates how to obtain a wave equation whose solutions determine the energy levels of bound systems. The theory is then made more general and applied to a number of physical examples. Later chapters describe the connection between relativity and quantum mechanics, give some examples of how quantum mechanics has been used in information processing, and, finally, discuss the conceptual and philosophical implications of the subject. New to the Fourth Edition: A chapter on quantum information processing that includes applications to the encryption and de-encryption of coded messages A chapter on relativistic quantum mechanics and introductory quantum field theory Updated material on the conceptual foundations of quantum physics containing discussions of non-locality, hidden variables, and parallel universes Expanded information on tunneling microscopy and the Bose-Einstein condensate Presenting up-to-date information on the conceptual and philosophical aspects of quantum mechanics, this revised edition is suitable both for undergraduates studying physics, chemistry, or mathematics and for researchers involved in quantum physics.
Design academics and practitioners are facing a multiplicity of challenges in a dynamic, complex, world moving faster than the current design paradigm, which is largely tied to the values and imperatives of commercial enterprise. Current education and practice need to evolve to ensure that the discipline of design meets sustainability drivers and equips students, teachers and professionals for the near-future. Design Activism reveals the power of design for positive social and environmental change, design with a central activist role in the sustainability challenge. Design activists seek to fu.
This new edition considers all of the academic commentary governing the area of equity and trusts - in particular the emerging law of restitution and the raft of new case law over the 1990s. It is suitable both as a sholarly reference and as a resource for students.
A Thorough Update of One of the Most Highly Regarded Textbooks on Quantum MechanicsContinuing to offer an exceptionally clear, up-to-date treatment of the subject, Quantum Mechanics, Sixth Edition explains the concepts of quantum mechanics for undergraduate students in physics and related disciplines and provides the foundation necessary for other
As Alastair Campbell said in the introduction to The Blair Years, it was always his intention to publish the full version, covering his time as spokesman and chief strategist to Tony Blair. Prelude to Power is the first of four volumes, and covers the early days of New Labour, culminating in their victory at the polls in 1997. Volume 1 details the extraordinary tensions between Tony Blair and Gordon Brown as they resolved the question as to which one should stand to become Labour leader. It shows that right from the start, relations at the top were prone to enormous strain, suspicions and accusations of betrayal. Yet it also shows the political and personal bonds that tied them together, and which made them one of the most feared and respected electoral machines anywhere in the world. A story of politics in the raw, Prelude to Power is above all an intimate, detailed portrait of the people who have done so much to shape modern history.
Part science fiction thriller, part interstellar adventure, and part noir crime, Century Rain is an astonishing international bestseller of "blistering powers and style" (SF Revu). Three hundred years from now, Earth has been rendered uninhabitable due to the technological catastrophe known as the Nanocaust. Archaeologist Verity Auger specializes in the exploration of its surviving landscape. Now, her expertise is required for a far greater purpose. Something astonishing has been discovered at the far end of a wormhole: a mid-20th-century version of Earth, preserved like a fly in amber. Somewhere on this alternate planet is a device capable of destroying both worlds at either end of the wormhole. And Verity must find the device, and the man who plans to activate it, before it's too late -- for the past and the future of two worlds. Century Rain is a jaw-droppingly good SF thriller, packed with pace, adventure, brilliant storytelling and with twists that will keep you guessing to the end.
The Parish Churches of Loudoun and their Clergy up to 1845, is a two-part history of the Loudoun Parish Churches, from the existence of the 12th century Loudoun Kirk covered in Part 1 to the transference of the parish church to Newmilns in Part 2. This book, Part 2 deals with the Parish Church in Newmilns and the various clergy and their service as ministers. The parish church moved from Loudoun Kirk, just outside Galston to the centre of Newmilns due to the shift in population, thanks to the increased industry in weaving and the resultant need to tend to the spiritual needs of the parish closer to the community. The book is historically factual but it still portrays what life was like at that time, living under the umbrella of the 'kirk session' with some quite amusing quotes.
What if Canada 's so-called environmental nightmare was really an engineering triumph and the key to a stable and sustainable future? For years, Canadians have been hearing nothing but bad news out of the Athabasca Oil Sands. From 20th Century economists decrying it as a perpetual money-loser in the face of more easily-extracted foreign oil to green groups around the world declaring it the world's worst industrial enterprise, sometimes it seems as though no good could ever come from this so-called dirty resource. But what if developing Canada's Oil Sands was the key to bridging the gap between current petroleum-based economies and the alternative energies that aren't ready for market yet? What if it meant eliminating the threat of Peak Oil and providing economic stability not just for Canada and the rest of North America, but for the world? And what if the environmental costs of the resource were both not nearly as dire as some would have you believe, but currently better than many other options with the industry already making huge advances in sustainability, energy use and water reclamation? That's exactly the case that Alastair Sweeny, author of BlackBerry Planet, argues is at the core of the Athabasca Sands: a bright future. By digging into the past, present and future of oil sands technology, Sweeny cuts through the hype and hysteria and makes a solid and engaging case that the Sands aren't the environmental boogeyman set to destroy humanity, but rather our best hope for a truly stable and sustainable future.
In the modern State, power rests on the consensus of the citizens. They accord its institutions the authority to regulate society. State theory suggests that this authority is a right to speak on certain matters in certain ways and to have the audience agree with those statements. It is a matter of an authorised language; all others fall into the category of ratbaggery. In this 1991 book, the first major book applying State theory to Australia, Alastair Davidson shows how Australian citizens were formed in the nineteenth century, and how their particular characteristics led to the empowering of a certain language of power: legalism. He further shows that this made the judiciary the most powerful arm of government - unlike countries where the people arm sovereign and the legislature supreme - because the judiciary has the last say on all issues and in its own language.
Quantum physics is believed to be the fundamental theory underlying our understanding of the physical universe. However, it is based on concepts and principles that have always been difficult to understand and controversial in their interpretation. This book aims to explain these issues using a minimum of technical language and mathematics. After a brief introduction to the ideas of quantum physics, the problems of interpretation are identified and explained. The rest of the book surveys, describes and criticises a range of suggestions that have been made with the aim of resolving these problems; these include the traditional, or 'Copenhagen' interpretation, the possible role of the conscious mind in measurement, and the postulate of parallel universes. This new edition has been revised throughout to take into account developments in this field over the past fifteen years, including the idea of 'consistent histories' to which a completely new chapter is devoted.
A revelatory account of Tony Blair’s tumultuous leadership, The Blair Years gathers extracts from the diaries of the man who knew him best: Alastair Campbell—Blair’s spokesman from 1994 to 2003, his press secretary, strategist, and closest confidant. It is a compelling chronicle of contemporary British politics and the rise of New Labour, providing the first important record of a remarkable decade in Britain’s history. Here are the defining events of the time, from the Labour Party’s new dawn to the war on terror; from the death of Princess Diana to negotiations for peace in Northern Ireland; from Kosovo, Afghanistan, and Iraq to the Hutton Inquiry of 2003, the year Campbell resigned his position. Here also are Blair’s relationships with world leaders and heads of state, including presidents Bill Clinton and George W. Bush. But above all, here is Tony Blair up close and personal, making the decisions that affected the lives of millions, under relentless and frequently hostile pressure. Often described as the second most powerful figure in Britain, Alastair Campbell is no stranger to controversy. Feared and admired in equal measure, hated by some, he was pivotal to the founding of New Labour and the sensational election victory of 1997. Campbell spent more waking hours alongside the prime minister than anyone, and his diaries—at times brutally frank, often funny, always engrossing—take the reader right to the heart of government. The Blair Years is a story of politics in the raw, of progress and setback, of reputations made and destroyed, under the relentless scrutiny of a 24-hour media. Unflinchingly told, it covers the crises and scandals, the rows and resignations, the ups and downs at No. 10 Downing Street. But amid the landmark events are insights and observations that make this a remarkably human portrayal of some of the most influential people in the world. A completely riveting book about life at the very top, told by a man who saw it all.
The broad valley of the Bradano river and its tributary, the Basentello, separates the Apennine mountains in Lucania from the limestone plateau of the Murge in Apulia in southeast Italy. This book aims to explain how the pattern of settlement and land use changed in the valley over the whole period from the Neolithic to the late medieval.
For over half a century Davidson’s Principles and Practice of Medicine has informed and educated students, doctors and other health professionals all over the world, providing a comprehensive account of the practice of medicine. Davidson’s Essentials of Medicine provides the core content of the main textbook in a condensed format which will be invaluable whenever you are on the move – whether commuting, travelling between training sites, or on electives. This book provides a distillation of the core information required for clinical studies in medicine. While retaining the acclaimed readability of the main textbook it presents the key information in a format more appropriate for practical clinical work. The contents have been carefully selected by a team of junior doctors, emphasising only the topics that will be essential for clinical studies. The book includes additional chapters of content to aid clinical practice including a practically-focussed chapter on therapeutics and a useful guide to interpreting major clinical investigations. The text draws directly on the depth and breadth of experience of the Davidson’s authors and its International Advisory Board. Updated to include key changes and new illustrations included in Davidson’s Principles and Practice of Medicine.
Professionals striving for accident reduction must deal with systems in which both technical and human elements play equal and complementary roles. However, many of the existing techniques in ergonomics and risk management concentrate on plant and technical issues and downplay human factors and "subjectivity." Safety Management: A Qualitative Systems Approach describes a body of theories and data that addresses safety by drawing on systems theory and applied psychology, stressing the importance of human activity within systems. It explains in detail the central roles of social consensus and reliability and the nature of verbal reports and functional discourse. This text presents a new approach to safety management, offering a path to both greater safety and to economic savings. It presents a series of methodological tools that have proven to be reliable through extensive use in the rail and nuclear industries. These methods allow organizational and systems failures to be analyzed much more effectively in terms of quantity, precision, and usefulness. The concepts and tools described in this book are particularly valuable for reliability engineers, risk managers, human factors specialists, and safety managers and professionals in safety-critical organizations.
Quantum physics is believed to be the fundamental theory underlying our understanding of the physical universe. However, it is based on concepts and principles that have always been difficult to understand and controversial in their interpretation. This book aims to explain these issues using a minimum of technical language and mathematics. After a brief introduction to the ideas of quantum physics, the problems of interpretation are identified and explained. The rest of the book surveys, describes and criticises a range of suggestions that have been made with the aim of resolving these problems; these include the traditional, or 'Copenhagen' interpretation, the possible role of the conscious mind in measurement, and the postulate of parallel universes. This new edition has been revised throughout to take into account developments in this field over the past fifteen years, including the idea of 'consistent histories' to which a completely new chapter is devoted.
Caught in the no man's land between being a key figure in Downing Street and the relative anonymity of the world outside politics, Alastair Campbell finds himself being torn in several directions. Having succeeded Tony Blair as Prime Minister, Gordon Brown wants Campbell at his side. Campbell resists, flooding his reservoir of guilt as a general election looms and Brown's indecision and fluctuating moods suggest the Labour administration is seriously threatened by the Tory 'posh boy', David Cameron. Soon Campbell is earning not only praise but big money from motivational speaking and writing novels which darkly reflect the personal mood swings that continue to concern to both him and his family. Serious journalism across platforms old and new puts him back in the public eye and together with live appearances and a love of sport – his enduring love affair with Burnley Football Club still smoulders – sees him board a celebrity merry-go-round that often leaves him far from his comfort zone. With politics constantly tugging his sleeve, he eventually returns to the front line to marshal a party in disarray. The intensity of the months leading up to 6 May 2010 is as dramatic as any screenplay, with Campbell chronicling Brown's struggle to win over a disillusioned nation and then his dignified departure from the main stage. For Campbell, another chapter closes. So what next?
Master Dentistry: Oral Biology is designed as a revision guide for dental students and offers the ‘curriculum essentials’ in an easy-to-digest format. Each section is fully illustrated throughout and is supported by extensive self-assessment questions which allow the reader to assess their own knowledge of the topic and perfect their exam techniques. New to the Master Dentistry series, this volume addresses oral anatomy and its related histology, physiology and biochemistry and is perfect for both undergraduate students and post-graduates preparing for the MJDF. Quick reference revision aid for dental students – ideal for exam preparation! Covers the ‘essentials’ of the subject to a level that is expected with the GDC’s curriculum outlined in the First Five Years document. Each chapter provides a brief overview of the topic and lists the essential learning objectives for that area of study. Presents key anatomical, biochemical and physiological material in a useful, integrated, clinically relevant format. Includes extensive self-testing material – true false questions, extended matching questions, picture questions, and essay questions – enabling readers to assess their knowledge and perfect exam techniques. Contains unique, ‘mind-map’ summary sheets to provide crucial information in a pictorial format to further promote learning.
This book examines two linked Caithness Gunn families over many generations in places such as Scotland, Canada, Jamaica and Australia. It has many family trees, photographs and original documents including details of trips to Canada in the 1840s and Australia in the 1850s. Many letters from the mid 1800s are included. The book has many biographies including the Hon. Donald Gunn of Canada, William Gunn of Waranga Park, Sir John Gunn of Tormsdale and the Hon. John Alexander Gunn of New South Wales ('anthrax' Gunn). This book contains much original information showing how Gunns integrated into new lands. This work has taken many years and builds on documents held within the family and much detailed genealogical research. Two versions are available; a paperback black and white version and a deluxe hardback version with some colour photographs. The information and images are the same in both texts.
Tourism Marketing: In the Age of the Consumer offers a fresh and contemporary approach as an introductory textbook on tourism marketing. Six major themes along with the traditional core marketing principles are blended together: Age of the consumer: This book places the customer at the heart of tourism marketing and not the sector’s promotional apparatus. Experiences: It highlights the growing consumer interest in the enjoyment of experiences and experiential marketing. New media: Social media and e-marketing are given emphasis throughout. Coverage of new media is present in all chapters. Global marketplace: Every chapter adopts a global outlook and offers international perspectives. Environment and social responsibility: An emphasis is placed on the sustainability of tourism, including the concepts of ethical tourism and social responsibility. Events: This book treats events as a major tourism marketing topic and integrates events within the concept of experiential marketing. Written in an engaging and accessible style, Tourism Marketing: In the Age of the Consumer is richly illustrated and full of actual case studies and examples looking at a wide variety of topics such as slum tourism, the sharing economy, staycations, event bidding, coping with COVID-19, air travel emissions and many more. Four features add interest and bring greater pedagogical value – Quick Bytes, Case Studies, Industry Voices and Vignettes. This will be essential reading for all tourism marketing students.
As literary scholars have long insisted, an interdisciplinary approach is vital if modern readers are to make sense of works of medieval literature. In particular, rather than reading the works of medieval authors as addressing us across the centuries about some timeless or ahistorical 'human condition', critics from a wide range of theoretical approaches have in recent years shown how the work of poets such as Chaucer constituted engagements with the power relations and social inequalities of their time. Yet, perhaps surprisingly, medieval historians have played little part in this 'historical turn' in the study of medieval literature. The aim of this volume is to allow historians who are experts in the fields of economic, social, political, religious, and intellectual history the chance to interpret one of the most famous works of Middle English literature, Geoffrey Chaucer's 'General Prologue' to the Canterbury Tales, in its contemporary context. Rather than resorting to traditional historical attempts to see Chaucer's descriptions of the Canterbury pilgrims as immediate reflections of historical reality or as portraits of real life people whom Chaucer knew, the contributors to this volume have sought to show what interpretive frameworks were available to Chaucer in order to make sense of reality and how he adapted his literary and ideological inheritance so as to engage with the controversies and conflicts of his own day. Beginning with a survey of recent debates about the social meaning of Chaucer's work, the volume then discusses each of the Canterbury pilgrims in turn. Historians on Chaucer should be of interest to all scholars and students of medieval culture whether they are specialists in literature or history.
The Royal College of Physicians celebrates its 500th anniversary in 2018, and to observe this landmark is publishing this series of ten books. Each of the books focuses on fifty themed elements that have contributed to making the RCP what it is today, together adding up to 500 reflections on 500 years. Some of the people, ideas, objects and manuscripts featured are directly connected to the College, while others have had an influence that can still be felt in its work. This, the ninth book in the series looks at the libraries and archive of the Royal College.
Language as a Local Practice addresses the questions of language, locality and practice as a way of moving forward in our understanding of how language operates as an integrated social and spatial activity. By taking each of these three elements – language, locality and practice – and exploring how they relate to each other, Language as a Local Practice opens up new ways of thinking about language. It questions assumptions about languages as systems or as countable entities, and suggests instead that language emerges from the activities it performs. To look at language as a practice is to view language as an activity rather than a structure, as something we do rather than a system we draw on, as a material part of social and cultural life rather than an abstract entity. Language as a Local Practice draws on a variety of contexts of language use, from bank machines to postcards, Indian newspaper articles to fish-naming in the Philippines, urban graffiti to mission statements, suggesting that rather than thinking in terms of language use in context, we need to consider how language, space and place are related, how language creates the contexts where it is used, how languages are the products of socially located activities and how they are part of the action. Language as a Local Practice will be of interest to students on advanced undergraduate and post graduate courses in Applied Linguistics, Language Education, TESOL, Literacy and Cultural Studies.
The follow-up to Marshall Goldsmith's 500,000-copy bestseller The Leader of the Future, Global Leadership: The Next Generation systematically identifies what tomorrow's leaders will need to know, do and believe in order to successfully lead the global enterprise of the future. Drawing on the results of an extraordinary 2-year Accenture study of emerging business leaders, this book shows why the skills of today's global leaders won't be enough--and why tomorrow's leaders won't resemble today's. Goldsmith and his co-authors first identify five new "factors of leadership" and their implications: global thinking, appreciation of diversity, technological savvy, a willingness to partner and an openness to sharing leadership. They explain what it will mean to lead in an era where intellectual capital is the dominant source of value; how to lead people whose backgrounds and values may be radically dissimilar from yours; and why achieving personal self-mastery is now a fundamental prerequisite for leading others. From the evolution of "federated," semi-autonomous organizational structures to the personal leadership challenges now arising from globalism, this book offers unprecedented insights into the new challenges of leadership--and what it will take to meet them.
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