Outlines a system for achieving financial security and building wealth, instructing readers on how to make the most out of automated financial transactions, including 401(k)s, scheduled transfers, and early payoff programs and explains how to apply the author's self-paying principle to avoid temptations. Reprint. 150,000 first printing.
David Singh's dramatic journey from the jungles of Guyana to the helm of one of Canada's largest financial planning companies provides the backdrop for this guide to lasting happiness. Advocating wise investments, careful planning, and healthy eating choi.
In this groundbreaking book, renowned global economist David McWilliams unlocks the mysteries and the awesome power of money: what it is, how it works, and why it matters. The story of money is the story of our desires, our genius, and our downfalls. Money is power—and power beguiles. Nothing we’ve invented as a species has defined our own evolution so thoroughly and changed the direction of our planet’s history so dramatically. Money has shaped the very essence of what it means to be human. We can’t hope to understand ourselves without it. And yet despite money’s primacy, most of us don’t truly understand it. As economist David McWilliams states, money is everything. “Money defines the relationship between worker and employer, buyer and seller, merchant and producer. But not only that: it also defines the bond between the governed and the governor, the state and the citizen. Money unlocks pleasure, puts a price on desire, art and creativity. It motivates us to strive, achieve, invent and take risks. Money also brings out humanity’s darker side, invoking greed, envy, hatred, violence and, of course, colonialism.” Money isn’t just paper or coins or virtual currency. Money is humanity. Leading economics expert, David McWilliams answers these questions and more in Money, an epic, breathlessly entertaining journey across the world through the present and the past, from the birthplace of money in ancient Babylon to the beginning of trade along the silk road to China, from Marrakech markets to Wall Street and the dawn of cryptocurrency. By tracking its history, McWilliams uncovers our relationship with money, transforming our perspective on its impact on the world right now. McWilliams is no dusty economist; he is a communicator at the highest level, a highly telegenic and marketable expert who is as comfortable in front of a large audience talking about his favourite subject as he is appearing on podcasts, social media, and even in stand-up comedy. He’s been called Ireland’s most important economist and is ranked among the leading economists working today. The story of money is the story of earth’s most inventive, destructive, and dangerous animal: Homo sapiens. It is our story.
THE STORY BEGINS ON 27 JUNE 2007. THAT WAS THE DAY TONY BLAIR OFFICIALLY RESIGNED AS PRIME MINISTER, WAS APPOINTED MIDDLE EAST PEACE ENVOY, AND SET ABOUT MAKING HIMSELF SERIOUSLY RICH. Since leaving office in 2007, the empire of Tony Blair has grown exponentially. As a businessman he has been unprecedentedly successful for a former public servant, with a large property portfolio and an estimated £80 million of earnings accrued in just a few short years. But how has he managed to achieve this? Being an ex-Prime Minister comes with certain advantages, and besides his excellent state pension and twenty-four-hour security team, Blair enjoys the best contacts that money can buy – as do those willing to pay him for access to those contacts. Consequently, Tony Blair Associates' clients can be found around the world, and include the controversial presidents of Kazakhstan and Burma. There is also Blair's role as special envoy in the Middle East. While his record as a peacemaker is in doubt, the position has brought him into contact with a variety of oil-rich potentates in the region who now number among his most profitable clients. Blair Inc.: The Wars, the Money, the Scandals takes a close look at the complex financial structures in Blair's world. From the many layers of tax liability to the multiple conflicts of interest produced by his increasing web of relationships, this book exposes the private dealings of this very public figure.
David Bach’s Simple System for Building Wealth Through Homeownership Will Help You Finish Rich in Any Market—Automatically Updated with a new chapter of success stories Owning a home has always been the American Dream, and in The Automatic Millionaire Homeowner, David Bach shows that buying a home and investment properties is not only possible, it is still the surest way to reach your seven-figure dreams on an ordinary income. Whether you are a renter or already own a home, Bach’s book offers a lifelong strategy for real estate based on timeless wisdom that is tried and true—in any market. He includes everything you need to know, with step-by-step instructions, including phone numbers and web sites, so you can get started right away. As long as you’re alive, you have to live somewhere. Why not let where you live make you financially secure and ultimately rich? David Bach will show you how.
Remittances, the repatriated earnings of emigrant workers, have risen spectacularly in recent decades. They are a crucial lifeline for the households that receive them and one of the largest sources of capital for developing economies, outstripping both aid and foreign direct investment. Money Flows studies how remittances shape the relationship between remittance recipients and the authorities in migrant-sending countries by providing a comprehensive study of the political effects of remittances on the attitudes of their recipients. It argues that far from being an exclusively economic risk-sharing mechanism between poorer, migrant-sending, and richer, migrant-receiving economies, remittances may compromise rudimentary accountability mechanisms in the developing world. The book leverages survey data from Central-Eastern Europe, the Caucasus, and Central Asia and original focus groups from Kyrgyzstan. It shows how remittances, and fluctuations in their volume, colour recipients' economic evaluations; shape the burden of corruption; and change how recipients interact with, and view their state, ultimately impacting the approval function of the authorities.
God’s Promise of Wealth “If you fully obey the LORD your GOD and carefully follow all his commands I give you today, the LORD your God will set you high above all the nations on earth. All these blessings will come upon you and accompany you if you obey the LORD your God... “The LORD will send a blessing on your barns and on everything you put your hand to. The LORD your God will bless you in the land he is giving you.” Deuteronomy 28:1-2,8
A roadmap for achieving financial freedom in less than five years! David and Leslie Shippy went from a middle-class life to financial freedom in three short years. They were able to replace both of their multiple six-figure incomes and walk away from corporate America. Their first three apartment investments tripled their investors’ money. They have since gone on to purchase and manage a portfolio of apartments that consists of over three thousand units and is worth over $300 million. Money Matters for Financial Freedom reveals the principles they used to do it. David and Leslie’s detailed guide provides specific examples and skills that shift readers’ thinking from a middle-class mindset to a financially free millionaire mindset. It outlines specific techniques and leadership skills necessary for running a multimillion-dollar business, along with step-by-step examples of how to manage money, create multiple business streams of income, and enable financial freedom!
This commentary on the Gospel of Luke is written by the team who designed the Life Application Bible. It provides verse-by-verse explanation, background, and application for ever verse in the book, providing insight for applying the Word of God to life today.
Richard Thompson is renowned among cartoonists as an "artist's" cartoonist. Little known to all but those close to him is the extent of his art talent. This is the book that will enlighten the rest of us and delight us with the sheer beauty of his work. Divided into six sections, each beginning with an introductory conversation between Thompson and six well-known peers, including Bill Watterson, the book will present Thompson's illustration work, caricatures, and his creation, Richard's Poor Almanack. Each section is highly illustrated, many works in color, most of them large and printed one-to-a-page. The diversity of work will help cast a wider net, well beyond Cul de Sac fans.
* Argues strongly for overlooked approach to development by showing how the poor use money in ways that confound stereotypical notions of aid and handouts * Team authored by foremost scholars in the development field Amid all the complicated economic theories about the causes and solutions to poverty, one idea is so basic it seems radical: just give money to the poor. Despite its skeptics, researchers have found again and again that cash transfers given to significant portions of the population transform the lives of recipients. Countries from Mexico to South Africa to Indonesia are giving money directly to the poor and discovering that they use it wisely “ to send their children to school, to start a business and to feed their families. Directly challenging an aid industry that thrives on complexity and mystification, with highly paid consultants designing ever more complicated projects, Just Give Money to the Pooroffers the elegant southern alternative “ bypass governments and NGOs and let the poor decide how to use their money. Stressing that cash transfers are not charity or a safety net, the authors draw an outline of effective practices that work precisely because they are regular, guaranteed and fair. This book, the first to report on this quiet revolution in an accessible way, is essential reading for policymakers, students of international development and anyone yearning for an alternative to traditional poverty-alleviation methods.
An expert guide to targeting protein kinases in cancer therapy Research has shown that protein kinases can instigate the formation and spread of cancer when they transmit faulty signals inside cells. Because of this fact, pharmaceutical scientists have targeted kinases for intensive study, and have been working to develop medicinal roadblocks to sever their malignant means of communication. Complete with full-color presentations, Targeting Protein Kinases for Cancer Therapy defines the structural features of protein kinases and examines their cellular functions. Combining kinase biology with chemistry and pharmacology applications, this book enlists emerging data to drive the discovery of new cancer-fighting drugs. Valuable information includes: Comprehensive overviews of the major kinase families involved in oncology, integrating protein structure and function, and providing important tools to assist pharmaceutical researchers to understand and work in this dynamic area of cancer drug research Focus on small molecule inhibitors as well as other therapeutic modalities Discussion of kinase inhibitors that have entered clinical trials for the treatment of cancer, with an emphasis on molecules that have progressed to late stage clinical trials and, in a few cases, to market Providing a platform for further study, this important work reviews both the successes and challenges of kinase inhibitor therapy, and provides insight into future directions in the war against cancer.
Money has many apparently magical properties. It can be created out of the void - and vanish without so much as a puff of smoke. It can flash through space. It can grow without limit. And it can blow up without warning. David Orrell argues that the emerging discipline of quantum economics, of which he is at the forefront, is the key to shattering the illusions that prevent us from understanding money's true nature. In this colourful tour of the history, philosophy and mathematics of money, Orrell demonstrates how everything makes much more sense when we replace our classical economic models with ones based on quantum probability - and reveals the explosive reality of what is left once the illusions are stripped away.
Many women, whether they've managed million-dollar budgets at work or managed kids, bills, and car payments at home, feel at a loss when it comes to figuring out their finances. Now, in Smart Women Finish Rich, renowned financial adviser David Bach gives women the tools and the program they need to create a rich future. Whether you're working with a few dollars a week or a significant inheritance, Bach's seven-step program can provide a huge payoff. Smart Women Finish Rich will put you in control of your finances and your future. "David Bach is a financial genius with a passion for helping women get rich. Read this book--and prosper!" --Laurie Beth Jones, bestselling author of Jesus CEO "Finally, a book for women that talks about money in a way that makes sense. David Bach is not just an expert in managing money--he's the ultimate motivational coach for women. I can't recommend this book enough. It's a must-read!" --Barbara DeAngelis, Ph.D., bestselling author of Real Moments "Finally, a financial planning guide that addresses the unique issues that women face today. But what I like the most is that David starts with the most important principle: aligning your money with your values." --Harry S. Dent, Jr., bestselling author of The Roaring 2000s From the Trade Paperback edition.
See the whole world dirt cheap, up close, and in the most comfortable way possible, by RV. The author and his wife spent seventeen-years on a journey that took them through 170 countries with a few colorful scrapes along the way, from being held hostage for a garage bill in Serbia, blocked by burning tires in Ecuador, and surrounded by voracious saltwater crocs in Oz. RV the World explains exactly how to see and do it all (becoming a hostage isn’t easy), what they saw along the way, what it costs to live and travel in an RV internationally, buying and selling an RV in a foreign country, staying healthy abroad, camping for free, and much, much more. Part practical guide, part adventure, RV the World takes the reader on an in depth tour of Europe, Scandinavia, North Africa, and the Middle East, highlighting fantastic cities, national parks, antiquities, and hiking spots along the way, and as a bonus, how to finagle your way out of a hostage situation.
In Middle School TalkSheets on the New Testament, Epic Bible Stories, you'll find 52 creative ways to get your youth group talking about epic stories from the New Testament. Covering everything from Jesus' birth to the stories of Paul, these one-page, reproducible handouts are easy to use and can produce meaningful discussions in your youth group.
Once consigned almost exclusively to Saturday morning fare for young viewers, television animation has evolved over the last several decades as a programming form to be reckoned with. While many animated shows continue to entertain tots, the form also reaches a much wider audience, engaging viewers of all ages. Whether aimed at toddlers, teens, or adults, animated shows reflect an evolving expression of sophisticated wit, adult humor, and a variety of artistic techniques and styles. The Encyclopedia of American Animated Television Series encompasses animated programs broadcast in the United States and Canada since 1948. From early cartoon series like Crusader Rabbit, Rocky and His Friends, and The Flintstones to 21st century stalwarts like The Simpsons, South Park, and Spongebob Squarepants, the wide range of shows can be found in this volume. Series from many networks—such as Comedy Central, the Disney Channel, Nickleodeon, and Cartoon Network— are included, representing both the diversity of programming and the broad spectrum of viewership. Each entry includes a list of cast and characters, credit information, a brief synopsis of the series, and a critical analysis. Additional details include network information and broadcast history. The volume also features one hundred images and an introduction containing an historical overview of animated programming since the inception of television. Highlighting an extensive array of shows from Animaniacs and Archer to The X-Men and Yogi Bear, The Encyclopedia of American Animated Television Series is an essential resource for anyone interested in the history and evolution of this constantly expanding art form.
Marketers know that they must use metrics. The key--which this book addresses superbly--is which metrics to use and how to use them." Erv Shames, Chairman, Western Connecticut Health Network; former President and CEO of Borden, Inc. and Stride Rite Corporation “50+ metrics crackles like new money…this is the best marketing book of the year.” Updated version of Strategy + Business “2006 Best Books in Marketing award winner” WHAT TO MEASURE AND HOW TO MEASURE IT TO GET THE MOST OUT OF YOUR MARKETING As the old adage goes, “If you can’t measure it, you can’t manage it.” Key Marketing Metrics is the definitive guide to today’s most valuable marketing metrics to measure the results of your marketing. In this thoroughly updated and significantly expanded book, you will understand the pros, the cons and the nuances of more than 50 of the most important metrics and know exactly how to choose the right metrics for every challenge. Key Marketing Metrics gives you a portfolio, or "dashboard", of the most valuable metrics for your business to maximise the return on your marketing investment and identify the best new opportunities for profit. Discover high-value metrics for every facet of marketing: promotional strategy, advertising, and distribution; customer perceptions; market share; competitors’ power; margins and pricing; products and portfolios; customer profitability; sales forces and channels; and more. This edition includes the latest web, online, social, and email metrics, plus new insights into measuring marketing ROI and brand equity, as well as practical advice for managing complex issues such as advertising elasticity and “double jeopardy.”
Today's superclass--the minority that runs governments, corporations, international finance, and the media--has achieved unprecedented levels of wealth and power. Rothkopf presents an unprecedented examination of this group's influence on the world.
“Does for the Civil War period what Howard Zinn’s A People’s History of the United States did for the study of American history in general.” —Library Journal Historian David Williams has written the first account of the American Civil War as viewed though the eyes of ordinary people—foot soldiers, slaves, women, prisoners of war, draft resisters, Native Americans, and others. Richly illustrated with little-known anecdotes and firsthand testimony, this path-breaking narrative moves beyond presidents and generals to tell a new and powerful story about America’s most destructive conflict. A People’s History of the Civil War is a “readable social history” that “sheds fascinating light” on this crucial period. In so doing, it recovers the long-overlooked perspectives and forgotten voices of one of the defining chapters of American history (Publishers Weekly). “Meticulously researched and persuasively argued.” —The Atlanta Journal-Constitution
Traditional Christian Ethics features two exhaustive alphabetical lists of affirmative commandments and prohibitions from the earliest Christian ethics, as found in writers before the mass apostasy of 249-251 AD. The affirmatives, or positives, list consists of what Christians are/were commanded or encouraged to do. The other list is of negatives or prohibitions, i.e. what Christians are/were discouraged from doing, similarly arranged. The source material for the work encompasses far more than the ten-volume Ante-Nicene Fathers edited by Roberts and Donaldson. It also draws from all writings of the period: Christian, Jewish, and pagan, available in English or French translation, plus a few Latin translations. Some translations have been published only in scholarly journals, and some only in the twenty-first century. Volumes Two and Three form a single exhaustive alphabetical list of affirmative commandments or precepts, including mental attitudes, i.e. what Christian ethics commanded or encouraged according to writers on Christian ethics before 250 AD. Using earlier drafts of this set of books, Dr. Brattston's articles and booklets synthesizing early and contemporary Christianity have been published by a wide variety of denominations and ministries in every major English-speaking country. He hopes readers will use them as a starting-point for writing articles, papers, and sermons of their own.
Nutrition has long been considered more the domain of medicine and agriculture than of the biological sciences, yet it touches and shapes all aspects of the natural world. The need for nutrients determines whether wild animals thrive, how populations evolve and decline, and how ecological communities are structured. 'The Nature of Nutrition' addresses nutrition's enormously complex role in biology, both at the level of individual organisms and in their broader ecological interactions.
This accessible guide to Jewish children’s literature explores many of the enduring questions of the Jewish tradition: What is Jewish history? What are love, wisdom, humor, ritual, evil, and justice? Jewish children’s literature matters for all children, and with this practical guide parents and teachers will be empowered to choose and discuss books and stories with Jewish or non-Jewish children. Jewish children’s literature is often absent in school classrooms and when it is available, it presents a picture to children of Jews as victims. Enduring Questions provides teachers with guidance in the use of Jewish children’s literature in the preschool and elementary school classroom. Enduring Questions includes extensive bibliographies of Jewish children’s literature, digital resources for teachers, and suggestions for further reading. With summaries of suggested books and texts, honest recommendations from teachers who have used these texts in the classroom, and practical curricular connections, this comprehensive book is suited for those looking for an introduction to teaching Jewish children's literature and those familiar with it. The book provides a framework about the use of Jewish children’s literature as an opportunity for all children, both Jewish and non-Jewish, to be philosophers and engage in dialog and debate. The enduring questions thoughtfully explored through Jewish literature are important for all students growing up in a diverse multicultural world.
If money were about math, none of us would be carrying any debt. The numbers are simple. What’s complicated is what we do with money. We use money to soothe our feelings and buy respect, to show how much we care or how little. We don’t simply earn, save, and spend money: we flirt with it, crave it, and scorn it; we punish and reward ourselves with it. Without realizing it, we give money meaning it doesn’t really have—what former psychiatrist and current business coach David Krueger calls our “money story.” And in the process of playing out that money story, we often sacrifice the most important things in our life: our health, freedom, relationships, and happiness. What is your money story? Do you consistently spend more than you have? Do you follow the herd in your investments—even though you know the herd is usually wrong? Have you neglected to save for the future, even when you have the means? Do you feel controlled or shackled by debt? Is your money somehow never “enough”? Is money, or the lack of it, always on your mind? The Secret Language of Money is a guided tour to the subconscious meanings we give money, the conflicted ways our braindeals with money, the reasons we tend to make the same money mistakes over and over—and most importantly, how you can change all that. A brilliant blend of cutting-edge science and real-world application, The Secret Language of Money helps you rewrite your money story and find that elusive balance of wealth, health, and joy we all seek.
David Bach has a plan to help you live and finish rich—no matter where you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck? What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how. You can start late and finish rich—but you need a plan. This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach. Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start. —David Bach Is it too late for me to get rich? Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?” There IS hope, and help is here at last! In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it. The Start Late, Finish Rich promise is bold and clear: Even if you are buried in debt – there is still hope. You can get rich in real estate – by starting small. Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had. You can start a business on the side – while you keep your old job and continue earning a paycheck. You can spend less, save more and make more – and it doesn’t have to hurt. David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.
American poetry's two characteristics -- American English as a poetic resource -- Convention and idiosyncrasy -- Auden and Eliot : two complicating examples -- On the present and future of American poetry.
What do Chanel, Sherlock Holmes, Salvador Dali, and the world’s richest heiress have in common? …they were all part of the Mdivani entourage. The creation of mass media in the 1920s paved the way for five siblings to become a global lifestyle celebrity. Though professional successes adorned them, scandal reigned supreme. As they married their way into the echelons of Hollywood, American and European high society, a moniker “The Marrying Mdivanis” was born. Always dramatic and often heart-breaking, this is a whirlwind epic spanning four continents, eleven weddings, seven divorces and five spectacular deaths with millions in play. The Mdivani Saga is an astonishing biographical account of one of the 20th century's most captivating families. The story follows five siblings born to a Georgian general and his socialite wife, once stirring intrigue at the Russian Imperial court. This riches-to-rags-and-back-again story follows the changing fortunes of the Mdivanis as they barely escaped a revolution with just a few dollars. Within a decade, the Mdivani had turned these dollars into millions when they became the epicentre of the international jet-set —until their dazzling world began to unravel.
Marketing Metrics: The Definitive Guide to Measuring Marketing Performance, Second Edition, is the definitive guide to today’s most valuable marketing metrics. In this thoroughly updated and significantly expanded book, four leading marketing researchers show exactly how to choose the right metrics for every challenge and expand their treatment of social marketing, web metrics, and brand equity. They also give readers new systems for organizing marketing metrics into models and dashboards that translate numbers into management insight. The authors show how to use marketing dashboards to view market dynamics from multiple perspectives, maximize accuracy, and “triangulate” to optimal solutions. You’ll discover high-value metrics for virtually every facet of marketing: promotional strategy, advertising, and distribution; customer perceptions; market share; competitors’ power; margins and pricing; products and portfolios; customer profitability; sales forces and channels; and more. For every metric, the authors present real-world pros, cons, and tradeoffs--and help you understand what the numbers really mean. This edition introduces essential new metrics ranging from Net Promoter to social media and brand equity measurement. Last, but not least, it shows how to build comprehensive models to support planning--and optimize every marketing decision you make: · Understand the full spectrum of marketing metrics: pros, cons, nuances, and application · Quantify the profitability of products, customers, channels, and marketing initiatives · Measure everything from “bounce rates” to the growth of your web communities · Understand your true return on marketing investment--and enhance it This award-winning book will show you how to apply the right metrics to all your marketing investments, get accurate answers, and use them to systematically improve ROI.
The little-known history of anti-secession Southerners: “Absolutely essential Civil War reading.” —Booklist, starred review Bitterly Divided reveals that the South was in fact fighting two civil wars—the external one that we know so much about, and an internal one about which there is scant literature and virtually no public awareness. In this fascinating look at a hidden side of the South’s history, David Williams shows the powerful and little-understood impact of the thousands of draft resisters, Southern Unionists, fugitive slaves, and other Southerners who opposed the Confederate cause. “This fast-paced book will be a revelation even to professional historians. . . . His astonishing story details the deep, often murderous divisions in Southern society. Southerners took up arms against each other, engaged in massacres, guerrilla warfare, vigilante justice and lynchings, and deserted in droves from the Confederate army . . . Some counties and regions even seceded from the secessionists . . . With this book, the history of the Civil War will never be the same again.” —Publishers Weekly, starred review “Most Southerners looked on the conflict with the North as ‘a rich man’s war and a poor man’s fight,’ especially because owners of 20 or more slaves and all planters and public officials were exempt from military service . . . The Confederacy lost, it seems, because it was precisely the kind of house divided against itself that Lincoln famously said could not stand.” —Booklist, starred review
This is the sixth title to be re-editioned in the key Geography series. Written specifically to cover the place requirement of Key Stage 3 of the revised National Curriculum 2000, this updated resource contains a full section of places within the United Kingdom. It includes in-depth and up-to-date material on Brazil, Kenya, Italy and Japan, providing a separate unit on world development.
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