According to Bethany McLean and Joe Nocera, two of America's most acclaimed business journalists, no-one has put all the pieces of the financial crisis together. The finger was pointed at greedy traders, cowardly legislators and clueless home buyers, but many devils helped bring hell to the economy. All The Devils Are Here goes back several decades to explore the motivations of everyone from CEOs and politicians to anonymous lenders, borrowers and Wall Street traders. It exposes the hidden role of companies including AIG and Goldman Sachs. It delves into the powerful mythology of homeownership. And it proves that the crisis ultimately wasn't about finance at all; it was about human nature. Bethany McLean's The Smartest Guys in the Room was the best Enron book on a crowded shelf. All the Devils Are Here will be remembered for finally making sense of the meltdown.
Hailed as "the best business book of 2010" (Huffington Post), this New York Times bestseller about the 2008 financial crisis brings the devastation of the Great Recession to life. As soon as the financial crisis erupted, the finger-pointing began. Should the blame fall on Wall Street, Main Street, or Pennsylvania Avenue? On greedy traders, misguided regulators, sleazy subprime companies, cowardly legislators, or clueless home buyers? According to Bethany McLean and Joe Nocera, two of America's most acclaimed business journalists, many devils helped bring hell to the economy. All the Devils Are Here goes back several decades to weave the hidden history of the financial crisis in a way no previous book has done. It explores the motivations of everyone from famous CEOs, cabinet secretaries, and politicians to anonymous lenders, borrowers, analysts, and Wall Street traders. It delves into the powerful American mythology of homeownership. And it proves that the crisis ultimately wasn't about finance at all; it was about human nature. Just as McLean's The Smartest Guys in the Room was hailed as the best Enron book on a crowded shelf, so will All the Devils Are Here be remembered for finally making sense of the financial meltdown and its consequences.
In a way, the situation is ironic: housing was at the root of the financial crisis, and six years after the meltdown, housing finance is still the greatest unsolved issue. The U.S. housing market is roughly $10 trillion, making it one of the largest segments of the bond market. Roughly 70 percent of the American population has a mortgage, and for most people, the mortgage is the most important financial instrument in their lives. But until the financial crisis, few people knew the essential role that Fannie Mae and Freddie Mac play in their mortgages. Given the $188 billion government bailout of the two firms the most expensive bailout in history the politics surrounding housing are worse than they've ever been, and the two gigantic firms sit in limbo. Best-selling investigative journalist Bethany McLean, the coauthor of The Smartest Guys in the Room andAll the Devils Are Here, explains why the situation is dangerous and unsustainable, and proposes a few solutions from the perfect, but politically unfeasible to the doable, but ugly.
In this tenth-anniversary edition, acclaimed investigative journalists Bethany McLean and Peter Elkind deliver the definitive account of the fall of Enron, one of the biggest scandals in corporate America history. Meticulously researched and character driven, The Smartest Guys in the Room takes the reader deep into Enron's past—and behind the closed doors of private meetings. Drawing on a wide range of unique sources, the book follows Enron's rise from obscurity to the top of the business world to its disastrous demise. It reveals as never before major characters such as Ken Lay, Jeff Skilling, and Andy Fastow, as well as lesser-known players like Cliff Baxter and Rebecca Mark. It is a story of greed, arrogance, and deceit—a microcosm of all that can go wrong with American business. Above all, it's a fascinating human drama that has proven to be the authoritative account of the Enron scandal. In this tenth anniversary edition, McLean and Elkind revisit the fall of Enron and its aftermath in a new chapter.
From the collaborators behind the modern business classic All the Devils are Here comes a damning indictment of American capitalism—and the leaders that left us brutally unprepared for a global pandemic In 2020, the novel coronavirus pandemic made it painfully clear that the U.S. could not adequately protect its citizens. Millions of Americans suffered—and over a million died—in less than two years, while government officials blundered; prize-winning economists overlooked devastating trade-offs; and elites escaped to isolated retreats, unaffected by and even profiting from the pandemic. Why and how did America, in a catastrophically enormous failure, become the world leader in COVID deaths? In this page-turning economic, political, and financial history, veteran journalists Bethany McLean and Joe Nocera offer fresh and provocative answers. With laser-sharp analysis and deep sourcing, they investigate both what really happened when governments ran out of PPE due to snarled supply chains and the shock to the financial system when the world's biggest economy stumbled. They zero in on the effectiveness of wildly polarized approaches, with governors Andrew Cuomo of New York and Ron DeSantis of Florida taking infamous turns in the spotlight. And they trace why thousands died in hollowed-out hospital systems and nursing homes run by private equity firms to “maximize shareholder value." In the tradition of the authors’ previous landmark exposés, The Big Fail is an expansive, insightful account on what the pandemic did to the economy and how American capitalism has jumped the rails—and is essential reading to understand where we’re going next.
From the author of the modern business classic The Smartest Guys in the Room comes a damning indictment of late-stage capitalism-and the leaders that were brutally unprepared for a global pandemic. In 2020, the coronavirus pandemic made it painfully clear that governments across the world could not adequately protect their citizens. Millions of people suffered and died in just two years, while administrations around the globe blundered; prize-winning economists overlooked devastating trade-offs from the collapse of trade; and elites escaped to isolated retreats, unaffected by - and worse, even profiting from - the worst healthcare crisis to hit humanity in decades. In this page-turning economic, political and financial history, veteran journalists Bethany McClean and Joseph Nocera analyse the American response to the pandemic as a case study, to offer fresh and provocative answers. With laser-sharp reporting and deep sourcing, they investigate what really happened when governments ran out of PPE due to snarled supply chains; and the shock to the financial system when the world's biggest economies stumbled. They zero in on the effectiveness of wildly polarised approaches across states, and they trace why thousands died in hollowed-out hospital systems and nursing homes run by private equity firms, all in the name of "maximising shareholder value". The Big Fail is an expansive, gripping narrative account on what the pandemic did to one economy, and how it forced us to question the fundamental principles of our society
From Bethany Hamilton’s fan letters come these honest, sometimes gut-wrenching questions. Some questions you may have asked about yourself at some time. Bethany’s sincere answers reflect her faith, and with some of her favorite Scripture versus, her answers will inspire you, let you into Bethany’s heart, and possibly help you with some of your own life questions. This updated edition includes some new questions and answers, and lets readers see how she has grown and changed, and where she is today.
How can one girl change the world? It all began with a heart for justice and a little black dress. In 2012, sixteen-year-old Bethany Winz decided to make a difference. To raise awareness, she determined to - wear the same black dress every day for a year to bring attention to the lack of choices slaves have - come up with new ways to accessorize the dress each day - use her blog and pictures of her outfits to raise money for agencies helping those who were being trafficked Her yearlong journey was one of hope, discipline, and sometimes disappointment. She celebrated some successes yet despaired at the depth of the problem. As she found her identity tied to the things she did, Bethany discovered that while she stood for freedom for others, she also struggled to find her own freedom in believing that she was loved just as she was. This moving book shows readers that their voices matter, they can make a difference, and sometimes the smallest gestures have lasting impact.
Buy a new version of this textbook and receive access to the Connected eBook with Study Center on CasebookConnect, including: lifetime access to the online ebook with highlight, annotation, and search capabilities; practice questions from your favorite study aids; an outline tool and other helpful resources. Connected eBooks provide what you need most to be successful in your law school classes. Learn more about Connected eBooks This hugely successful cases-and-problems book is acclaimed for its textual clarity, evenhanded perspective, and contemporary, up-to-date character. Easily distinguished from other property casebooks for its clear descriptions of legal doctrine and its variations; its explanations of the social ramifications of property law; its emphasis on both statutory and regulatory interpretation; its comprehensive treatment of public accommodations and fair housing law, current tribal property issues, and property in human bodies; and its use of the problem method to teach legal reasoning andlawyeringskills. Thoroughly updated to reflect significant changes in the law of property, the Seventh Edition incorporates multiple new Supreme Court cases, including:Texas Department of Housing & Community Affairs v. Inclusive Communities Project, Inc.,Obergefellv. Hodges, andReed v. Town of Gilbert, and 3 decided or pending cases with implications for regulatory takings,Horne v.Dep’tof Agriculture,Marvin M. Brandt Revocable Trust v. United States, andMurrv. State. Key Features: Updated to reflect significant changes in the law of property to help professors keep current and be aware of emerging disputes. These include multiple new Supreme Court cases: Texas Department of Housing & Community Affairs v. Inclusive Communities Project, Inc., 135 S. Ct. 2507 (2015), upholding disparate impact claims under the Fair Housing Act; Obergefellv. Hodges, 123 S. Ct. 2584 (2015), finding a constitutional right to same-sex marriage; Reed v. Town of Gilbert,135 S. Ct. 2218 (2015), broadly applying the First Amendment’s free speech clause to sign regulations; and three decided or pending cases with implications for regulatory takings,Horne v.Dep’tof Agriculture, 135 S. Ct. 2419 (2015),Marvin M. Brandt Revocable Trust v. United States, 134 S. Ct. 1257 (2014), andMurrv. State, 359Wis.2d675 (Wis. Ct. App. 2014), cert. granted sub nom.Murrv. Wisconsin, 136 S.Ct. 890 (2016). New materials and problems have been included in several areas: Collisions between the sharing economy and servitude, zoning, and landlord-tenant law; Questions of the inheritance rights of children born through assisted reproductive technology; Continuing litigation over the Rails-to-Trails Act conversion of abandoned railroad tracks into recreational trails Invalidation of the copyright on the Happy Birthday song; Commonwealth v.Magadini, 52 N.E.3d 1041 (Mass. 2016), upholding a necessity defense to a trespass charge against a homeless man; and The Revised Uniform Residential Landlord and Tenant Act, adopted in 2015.
This user-friendly book helps clinicians of any theoretical orientation meet the challenges of evidence-based practice. Presented are tools and strategies for setting clear goals in therapy and tracking progress over the course of treatment, independent of the specific interventions used. A wealth of case examples illustrate how systematic treatment planning can enhance the accountability and efficiency of clinical work and make reporting tasks easier--without taking up too much time. Special features include flowcharts to guide decision making, sample assessment tools, sources for a variety of additional measures, and instructions for graphing client progress. Ideal for busy professionals, the book is also an invaluable text for graduate-level courses and clinical practica.
Winning the American Revolution was the first step to starting the new nation of the United States. However, without a ratified constitution, the fledgling country was not completely united. This insightful book guides readers through the eighty-five essays that make up the Federalist Papers. It explores the notions that pushed the states toward ratification and promoted a solid federal government. It takes readers through the history of why these documents were necessary and the role they played, and shares insight on how the Federalist Papers, their authors, and the U.S. Constitution itself continue to play a role in American society.
Introduction to Family Processes: Diverse Families, Common Ties serves to provide an explanation of the complex workings of inner family life. The text primarily focuses on family processes and dynamics (the "inside" of families) as opposed to sociological trends, political topics, or the individual psychological approach. The text further presents the research underlying these processes and effectively presents ways to increase the positive aspects of family life. This edition has been updated to include current research and contemporary topics. The text has been divided into four parts: Foundations, Building and Establishing Families, Maintaining Families, and Change/Turbulence/Gains/Losses. While the research methods chapter still provides an introductory examination of family science research, it now includes an expanded discussion on research design, methods, and advances in the area. A new chapter, titled "Forgiveness, Kindness, Hope, and Gratitude" has been incorporated to amplify positive family processes and highlight emerging research. This edition provides added emphasis on diverse families (e.g., race/ethnicity, family structure, LGBTQIA, ability, culture, and family formation), and each chapter includes a new "Discussions in Diversity" section related to that chapter. The authors have consciously included an epilogue as a way of reflecting on what they have learned, along with what they hope to learn in the future. Aimed at courses related to family studies and family dynamics, this text provides a comprehensive review of family processes. Whether it is used for undergraduate or graduate classes, professional growth, or personal enrichment, the text assists readers in enhancing the positive aspects of family life, avoiding undesirable aspects, and more effectively managing the challenges and obstacles families face that cannot be avoided. Thus, the text holds an appeal for people who live (or will live) in families, as well as those who want to work with families.
Coastal Zones: Solutions for the 21st Century bridges the gap between national and international efforts and the local needs for actions in communities where coastal zone challenges are faced daily. The solution-oriented approach covers issues of coastal zone management as well as responses to natural disasters. This work provides ideas on how to face the challenges, develop solutions, and localize management of common-pool resources. Coastal Zones targets academic stakeholders and coastal stakeholders who have local knowledge and experience but need a theoretical framework and a greater range of skills to make use of this experience. Represents the collaborative work of more than 200 coastal zone researchers from all continents Provides a transdisciplinary approach that draws on stakeholder knowledge as well as diverse disciplines in the natural and social sciences Provides a basis for the co-development of an effective understanding of social-ecological systems in the coastal zone
In this chapter, we provide a brief overview of the relationships between trauma-related disorders and dissociation, describe the prevalence and presentations of dissociation among trauma survivors, and discuss the challenges that contribute to trauma-related disorders (TRD) and dissociative disorders (DDs) being "hidden in plain sight". Please note that throughout this book we use the term "trauma-related disorders" (TRD) as an overarching term that includes those who have a diagnosable trauma-related DD, which means that dissociation is typically severe, frequent, and disabling. Thus, our use of TRD in this book includes individuals with posttraumatic stress disorder (PTSD), acute stress disorder, the dissociative subtype of PTSD (DPTSD), and persons with trauma-related DDs. Since many authors consider borderline personality disorder a TRD due to the frequent occurrence of trauma, childhood maltreatment, and attachment problems in this population, we include those with trauma histories in our use of TRD as well"--
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