An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Keep abreast of the latest advances in this complex field with the 5th Edition of Clinical Immunology: Principles and Practice. This substantially revised edition by Drs. Robert R. Rich, Thomas A. Fleisher, William T. Shearer, Harry W. Schroeder, Jr., Anthony J. Frew, and Cornelia M. Weyand, offers authoritative guidance from some of the most respected global leaders in immunology, helping you navigate today’s latest knowledge and evidence-based practices that result in improved patient care. This trusted resource features sweeping content updates, rewritten chapters, a highly clinical perspective, and an easy-to-use organization designed to enhance your diagnosis and management skills in daily practice. Includes new chapters on the Microbiota in Immunity and Inflammation, Immune Responses to Fungi, and Genetics and Genomics of Immune Response. Features extensive revisions to many chapters, including the Major Histocompatibility Complex, Multiple Sclerosis, Diabetes and Related Autoimmune Diseases, Biologic Modifiers of Inflammation and Tumor Immunotherapy. Covers hot topics such as the role of genetics and genomics in immune response and immunologic disease, atherosclerosis, recurrent fever syndromes, aging and deficiencies of innate immunity, the role of microbiota in normal immune system development and the pathogenesis of immunologic and inflammatory diseases, and novel therapeutics. Addresses notable advances in key areas such as the importance of the microbiota to normal immune system development and to the pathogenesis of immunologic and inflammatory diseases; relationships between the innate and adaptive immune systems; progress in rapid and cost-effective genomics; cell signaling pathways and the structure of cell-surface molecules; and many more. Summarizes promising research and development anticipated over the next 5-10 years with "On the Horizon" boxes and discussion of translational research.
The Handbook of Social Status Correlates summarizes findings from nearly 4000 studies on traits associated with variations in socioeconomic status. Much of the information is presented in roughly 300 tables, each one providing a visual snapshot of what research has indicated regarding how a specific human trait appears to be correlated with socioeconomic status. The social status measures utilized and the countries in which each study was conducted are also identified. QUESTIONS ADDRESSED INCLUDE THE FOLOWING: Are personality traits such as extraversion, competitiveness, and risk-taking associated with social status? How universal are sex differences in income and other forms of social status? What is the association between health and social status? How much does the answer vary according to specific diseases? How well established are the relationships between intelligence and social status? Is religiosity associated with social status, or does the answer depend on which religion is being considered? Are physiological factors correlated with social status, even factors involving the brain? Finally, are there as yet any "universal correlates of social status"?
The remarkable breadth of modern molecular mechanics is covered in this textbook, developed for an undergraduate or first-time course on molecular mechanics. With applications ranging from drug design to homogeneous transition metal catalysis, the book implements a case-study approach designed to give readers exposure to the relevance and utility of molecular mechanics, as well as the opportunity to study a particular problem and its solution in depth.
For some years, international guidelines on the management of asthma have stressed the importance of early intervention with anti-inflammatory drugs to prevent acute asthma exacerbations and to avert chronic inflammatory damage to the airway. Introduced by a broad survey of the targets for anti-inflammatory drugs, this book proceeds to bring together the most recent research into the mechanisms and clinical benefits of presently-available anti-inflammatory treatments including corticosteroids, cromones, and theophylline. For the first time, these drugs are discussed alongside the newly-introduced leukotriene modifier drugs; and in the context of frontline research into anti-inflammatory drugs of the future. This book is an up-to-date and authoritative survey which will be invaluable to university and pharmaceutical company researchers working on anti-asthma and anti-allergy drugs and to respiratory physicians keeping abreast of developments in their specialty.
This groundbreaking study engages with the theoretical aspects of realism - a long neglected area in film studies.. Contributes to an understanding of how popular films use realist forms to address contentious social and political issues such as social exclusion, war and violence.. Focusing on key moments in film history the authors examine the uses of realism in national cinemas as a context for their in-depth analysis of contemporary popular films.. A series of case studies examines the hybrid styles of realism used in recent filmmaking practice and the politics of these forms in relation to topics such as urban youth and domestic violence (Boyz N the Hood, La Haine, Once Were Warriors, Ladybird, Ladybird, Nil By Mouth), government conspiracies and war (Cry Freedom, JFK, Schindler's List), and serial killers (Henry, Portrait of a Serial Killer, Man Bites Dog, Natural Born Killers).. Will give rise to new directions in the theorisation of both popular film and realism in the cinema.
Over the past two decades, the extraction of nonrenewable resources in Latin America has given rise to many forms of struggle, particularly among disadvantaged populations. The first analytical collection to combine geographical and political ecological approaches to the post-1990s changes in Latin America’s extractive economy, Subterranean Struggles closely examines the factors driving this expansion and the sociopolitical, environmental, and political economic consequences it has wrought. In this analysis, more than a dozen experts explore the many facets of struggles surrounding extraction, from protests in the vicinity of extractive operations to the everyday efforts of excluded residents who try to adapt their livelihoods while industries profoundly impact their lived spaces. The book explores the implications of extractive industry for ideas of nature, region, and nation; “resource nationalism” and environmental governance; conservation, territory, and indigenous livelihoods in the Amazon and Andes; everyday life and livelihood in areas affected by small- and large-scale mining alike; and overall patterns of social mobilization across the region. Arguing that such struggles are an integral part of the new extractive economy in Latin America, the authors document the increasingly conflictive character of these interactions, raising important challenges for theory, for policy, and for social research methodologies. Featuring works by social and natural science authors, this collection offers a broad synthesis of the dynamics of extractive industry whose relevance stretches to regions beyond Latin America.
Prepare your students to lead the future. Discovering Leadership: Designing Your Success provides a practical, engaging foundation and easy-to-understand framework for individuals to purposefully design leadership. This action-oriented text starts with the self and helps students understand their individual strengths, styles, and skills through numerous reflection opportunities. Next, the text explores the relational aspects of leadership and best practices for motivating and inspiring followers. Finally, the text concludes by examining how leaders can transform their communities and create lasting, positive change. Practical applications and activities in each chapter help students develop their confidence, optimism, resiliency, and engagement. Regardless of your students’ background or major, they will gain the knowledge and skills they need to become thoughtful, impactful leaders.
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