In 2005, more than two million Americans—six out of every 1,000 people—filed for bankruptcy. Though personal bankruptcy rates have since stabilized, bankruptcy remains an important tool for the relief of financially distressed households. In Bankrupt in America, Mary and Brad Hansen offer a vital perspective on the history of bankruptcy in America, beginning with the first lasting federal bankruptcy law enacted in 1898. Interweaving careful legal history and rigorous economic analysis, Bankrupt in America is the first work to trace how bankruptcy was transformed from an intermittently used constitutional provision, to an indispensable tool for business, to a central element of the social safety net for ordinary Americans. To do this, the authors track federal bankruptcy law, as well as related state and federal laws, examining the interaction between changes in the laws and changes in how people in each state used the bankruptcy law. In this thorough investigation, Hansen and Hansen reach novel conclusions about the causes and consequences of bankruptcy, adding nuance to the discussion of the relationship between bankruptcy rates and economic performance.
From the impact of rising gas prices to debates over free trade agreements, the workings of the economy remain a mystery to most, even as the demands on our economic resources increase. This volume presents a basic introduction to the national economy—how it works and how various political and business decisions affect it. Chapters one through four explain the concept of Gross Domestic Product, with an emphasis on supply and demand, long-term growth, and short-term fluctuations, resulting from such factors as interest rates and inflation. Chapters five through eight highlight the four basic sectors of the economy—businesses, households, the government, and the international arena—and how they interact. The national economy is the engine of growth for any country—whether it is a superpower with global reach or a small nation struggling to emerge from poverty. Every citizen is a participant in the economy, as they work to create income for their families, pay taxes, spend their earnings of products and services, or draw from government programs, such as welfare or Social Security. And yet the workings of the economy remain a mystery to most, even as the demands on our economic resources increase.
The 2nd edition of Materials Chemistry builds on the strengths that were recognized by a 2008 Textbook Excellence Award from the Text and Academic Authors Association (TAA). Materials Chemistry addresses inorganic-, organic-, and nano-based materials from a structure vs. property treatment, providing a suitable breadth and depth coverage of the rapidly evolving materials field — in a concise format. The 2nd edition continues to offer innovative coverage and practical perspective throughout, e.g.: the opening solid-state chemistry chapter uses color illustrations of crystalline unit cells and digital photos of models to clarify their structures. This edition features more archetypical unit cells and includes fundamental principles of X-ray crystallography and band theory. In addition, an ample amorphous-solids section has been expanded to include more details regarding zeolite syntheses, as well as ceramics classifications and their biomaterial applications. The subsequent metals chapter has been re-organized for clarity, and continues to treat the full spectrum of powder metallurgical methods, complex phase behaviors of the Fe-C system and steels, and topics such as corrosion and shape-memory properties. The mining/processing of metals has also been expanded to include photographs of various processes occurring in an actual steelmaking plant. The semiconductor chapter addresses evolution and limitations/solutions of modern transistors, as well as IC fabrication and photovoltaics. Building on the fundamentals presented earlier, more details regarding the band structure of semiconductors is now included, as well as discussions of GaAs vs. Si for microelectronics applications, and surface reconstruction nomenclature. The emerging field of ‘soft lithographic’ patterning is now included in this chapter, and thin film deposition methodologies are also greatly expanded to now include more fundamental aspects of chemical vapor deposition (CVD) and atomic layer deposition (ALD). The polymer and ‘soft’ materials chapter represents the largest expansion for the 2nd edition. This chapter describes all polymeric classes including dendritic polymers, as well as important additives such as plasticizers and flame-retardants, and emerging applications such as molecular magnets and self-repairing polymers. This edition now features ‘click chemistry’ polymerization, silicones, conductive polymers and biomaterials applications such as biodegradable polymers, biomedical devices, drug delivery, and contact lenses. Final chapters on nanomaterials and materials-characterization techniques are also carefully surveyed, focusing on nomenclature, synthetic techniques, and applications taken from the latest scientific literature. The 2nd edition has been significantly updated to now include nanotoxicity, vapor-phase growth of 0-D nanostructures, and more details regarding synthetic techniques and mechanisms for solution-phase growth of various nanomaterials. Graphene, recognized by the 2010 Nobel Prize in Physics, is now also included in this edition. Most appropriate for Junior/Senior undergraduate students, as well as first-year graduate students in chemistry, physics, or engineering fields, Materials Chemistry may also serve as a valuable reference to industrial researchers. Each chapter concludes with a section that describes important materials applications, and an updated list of thought-provoking questions. The appendices have also been updated with additional laboratory modules for materials synthesis (e.g., porous silicon) and a comprehensive timeline of major materials developments.
This book provides a synthesis of the past decade of research into global changes that occurred in the earth system in the past. Focus is achieved by concentrating on those changes in the Earth's past environment that best inform our evaluation of current and future global changes and their consequences for human populations. The book stands as a ten year milestone in the operation of the Past Global Changes (PAGES) Project of the International Geosphere-Biosphere Programme (IGBP). It seeks to provide a quantitative understanding of the Earth’s environment in the geologically recent past and to define the envelope of natural environmental variability against which anthropogenic impacts on the Earth System may be assessed. A set of color overhead transparencies based on the figures in the book is available free on the PAGES website (www.pages-igbp.org) for use in teaching and lecturing.
Trey Janssen only wants to settle his late mother's affairs and get back to San Francisco, but he finds himself trapped in the town Christmas literally threw up on when he's arrested for drunk driving—right after a Dickens in the Park actor proclaims he'll be visited by three spirits. The ghost from his past turns out to be Celia Brown, the innocent Girl Next Door he deflowered before leaving town on a football scholarship. Now he's hoping for a repeat or two of that night, because pretty Celia Brown has something all the nameless, faceless, one-night stands of his wild pro-athlete lifestyle didn't——but it will take ghost number two and ghost number three to show him exactly what that something is.
In 2005, more than two million Americans—six out of every 1,000 people—filed for bankruptcy. Though personal bankruptcy rates have since stabilized, bankruptcy remains an important tool for the relief of financially distressed households. In Bankrupt in America, Mary and Brad Hansen offer a vital perspective on the history of bankruptcy in America, beginning with the first lasting federal bankruptcy law enacted in 1898. Interweaving careful legal history and rigorous economic analysis, Bankrupt in America is the first work to trace how bankruptcy was transformed from an intermittently used constitutional provision, to an indispensable tool for business, to a central element of the social safety net for ordinary Americans. To do this, the authors track federal bankruptcy law, as well as related state and federal laws, examining the interaction between changes in the laws and changes in how people in each state used the bankruptcy law. In this thorough investigation, Hansen and Hansen reach novel conclusions about the causes and consequences of bankruptcy, adding nuance to the discussion of the relationship between bankruptcy rates and economic performance.
This book examines the history of the first trust company, the Farmers Loan and Trust, and its influence on the evolution of corporate law, regulation, and taxation.
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