“What will not surprise you is the wisdom, wit, and insight that Alex Pollock and Howard Adler bring to this indispensable guide to financial prophecy. The future may be a closed book, but you must open—and read—this one.”—James Grant, Grant’s Interest Rate Observer “Surprised Again! will demystify finance for students and give experts a deeper understanding of things they thought they knew.”—Christopher DeMuth, Distinguished Fellow, Hudson Institute and former President, American Enterprise Institute “A masterful survey of the financial sector and its post-COVID dependence on easy money from the Federal Reserve. This book is the first place to turn for a clear exposition of key financial topics—housing, municipal debt, pension funds, student loans, cryptocurrencies, and more. The reader will be surprised yet again at the extent of financial problems lurking below the surface.”—Thomas H. Stanton, Johns Hopkins University About every ten years, we are surprised by a financial crisis. In 2020, we were Surprised Again! by the financial panic of the spring triggered by the Covid-19 pandemic. Not one of the 30 official systemic risk studies developed in 2019 had even hinted at this financial crisis as a possibility, or at the frightening economic contraction which resulted from the political responses to control the virus. In response came the unprecedented government fiscal and monetary expansions and bailouts. Later 2020 brought a second big surprise: the appearance of an amazing boom in asset prices, including stocks, houses, and cryptocurrencies. Alex Pollock and Howard Adler lived through this historic instability while serving as senior officials of the U.S. Department of the Treasury. Their book lays out the many elements of the panic and its aftermath, from the massive elastic currency operations which rode to the rescue by financing the bust with unprecedented government debt, to the consequent asset price boom, which included a renewed bubble in house prices financed by government guarantees. It considers key leveraged sectors such as commercial real estate, student loans, pension funds, banks, and the government itself. It reflects on how to understand these events both in retrospect and prospect.
Media relations professionals must know how to stay ahead of the game to be effective in todays complex world. It is no longer enough that they craft news releases, orchestrate interviews and build sustaining relationships with reporters. Their multiple roles now include planner, crisis manager, communicator, counselor and strategist. Called virtually an encyclopedia of media relations by one reviewer, the Fifth Edition covers relationships with reporters, spokesperson training, news conferences and special events, integrating media relations into marketing communications plans, crisis management, global media relations, ethics, establishing a media policy within the organization, measuring results and becoming a counselor to management. Its practical advice and how-to ideas draw on current case studies, most involving social media, and the authors extensive experience in the U.S. and around the world. With a clear and fast-moving style, the Fifth Edition maintains its status as the foremost book on media relations in the corporate and nonprofit sectors. It is a must-read for prospective and current media relations professionals dedicated to maximizing their organizations results.
The text presents and discusses some of the most influential papers in Matrix Computation authored by Gene H. Golub, one of the founding fathers of the field. Including commentaries by leading experts and a brief biography, this text will be of great interest to students and researchers in numerical analysis and scientific computation.
The initial impetus to create a work combining aspects of cel lular immunology with their clinical applications grew from the ed itors' discussions of the area's needs with many of the leaders in the field over a period of time. From the nucleus of ideas that emerged, we have here attempted to create a unified and inte grated coverage of the rapidly growing field of cellular immunology research and to trace out-from what seems at times a genuine plethora of important new findings-the many and often impor tant clinical implications. Because of this approach, the chapters of Clinical Cellular Im munology attempt to be more than critical reviews of research and clinical data, going beyond analysis to synthesize working hypotheses about the functional meaning of cellular immunological phenomena and their likely clinical significance. To accomplish this undertaking, the text begins first with a consid eration of the molecular aspects of antigen recognition (Luderer and Harvey) and of the ensuing regulatory program initiation (Fathman). Then, the functional subsets oflymphocytes as they in teract to produce and control the developing immune response are explored in detail (Sigel et a1.), followed by a unique analytical dis section of the action of immunosuppressive agents on the sundry inductive and regulatory immunologic pathways (Sigel et al.). A majority of the data and conclusions drawn by the authors in the previous chapters arise from work on murine systems, al though wherever appropriate, human data has been introduced.
In the third edition of Howard Rosenthal’s best-selling test preparation guide for the National Counselor Examination (NCE), students get more help than ever with an expanded section on marriage and family counseling, new material on web counseling, and updated material throughout. This resource now includes over 1,050 tutorial questions/answers and a new "Final Review and Last Minute Super Review Boot Camp" section. This guide is an ideal review tool for state licensing, the NCC credential, and preparation for written and oral boards. And because the new Counselor Preparation Comprehensive Examination (CPCE), draws from the same subject areas, the Encyclopedia is a perfect study guide for the CPCE as well. Written in a unique question/answer format, with a quick reference index, this is also an essential student reference volume for use in any counseling, social work, or human services course. Download the accompanying app today! This effective, authoritative and easy-to-use exam preparation app offers over 300 questions to help you revise for, and pass, the National Counselor Examination (NCE) and the Counselor Preparation Comprehensive Examination (CPCE). Howard Rosenthal’s best-selling test preparation guides have helped thousands of students pass the NCE and CPCE. In this accompanying app, test-takers will find more than 300 interactive multiple-choice questions (and detailed answers), including nearly 50 brand-new questions and answers and a summary of the October 2012 changes to the test. For Apple/iOS | For Android
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