The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
This step-by-step guide to medical technology innovation, now in full color, has been rewritten to reflect recent trends of industry globalization and value-conscious healthcare. Written by a team of medical, engineering, and business experts, the authors provide a comprehensive resource that leads students, researchers, and entrepreneurs through a proven process for the identification, invention, and implementation of new solutions. Case studies on innovative products from around the world, successes and failures, practical advice, and end-of-chapter 'Getting Started' sections encourage readers to learn from real projects and apply important lessons to their own work. A wealth of additional material supports the book, including a collection of nearly one hundred videos created for the second edition, active links to external websites, supplementary appendices, and timely updates on the companion website at ebiodesign.org. Readers can access this material quickly, easily, and at the most relevant point in the text from within the ebook.
Being a public figure is no walk in the park - the world focuses on every move that politicians make and highlights their every mistake. "Image collapse" can befall anyone whose carefully cultivated persona is pitted against intermediaries in the broadcast booths of cable news networks or behind the photo desks of newspapers, magazines, and today's host of digital platforms. As a world-traveling "advance man," an operative who orchestrates TV- and photo-ready moments involving important political figures, Josh King has unique experience working with the reputations of officeholders, candidates and other public figures. In Off Script, King leads readers through an entertaining and illuminating journey through the Hall of Infamy of some of the most catastrophic examples of political theater of the last quarter century. Readers might remember these cringe worthy moments as simple cases of bad luck. King argues, instead, that they were symptomatic of something larger: our broad appetite for public embarrassment, the media's business imperatives in satiating that craving, and the propensity of politicians to serve it up on a platter, often by pretending to be someone they're not while strutting on the public stage. We tour recent history - King calls it "the Age of Optics" - to establish this syndrome, and then turn to the Obama administration and what Josh calls the emergence of the "Vanilla Presidency." King argues that Barack Obama has been more guarded and more protective of the presidential persona than anyone in history, and as we look to the elections of 2016 and beyond, we have to wonder: Will our future president follow Obama's example? If so, how will that influence the relationship between our nation's citizens and their leader?"--
How does anyone get to the top of their field? We all know it takes hard work, dedication, and the occasional dose of luck, but what separates a wannabe from a winner? The Art of Doing brings together an incredible cross-section of individuals who are the at the top of their respective fields, from actor Alec Baldwin to New York Times crossword puzzle editor Will Shortz, to and asks them each one question: how do you succeed at what you do? The advice that they share is illuminating, and occasionally surprising, providing their top ten strategies on how to achieve greatness in a variety of ways. From the practical ("How to Open a Restaurant and Stay in Business," by restaurateur David Chang) to the zany ("How to Live Life on the High Wire," by infamous World Trade Center tightrope walker Philippe Petit), each interview is a testament to the knowledge and experiences that these risk-taking, barrier-breaking individuals have used to achieve their own success. With its diverse perspectives and variety of opinions about how to be the best in any field, this book will shape readers' views of success and inspire them to carve out their own niche.
A brand new edition of the finalist for the 2008 Casey Award, presented annually to the best baseball book, 101 Baseball Places to See Before You Strike Out profiles America’s greatest baseball museums, shrines, sports bars, pop culture landmarks and ballpark sites. From sandlots and skyboxes to TV rooms and sports bars, America’s love for baseball has inspired countless memories, discussions, and tributes. Josh Pahigian takes us across America to explore the places where the game’s history, culture, and lore come to life. Whether we travel by car or sit in the comfort of our favorite armchair, the book guides us to 101 amazing baseball places—including Ted Williams’ boyhood home, the Field of Dreams movie site, the Negro Leagues Baseball Museum, the Chicago bar where the Cubs’ “Curse of the Billy Goat” was born, Babe Ruth’s grave, and scores of other captivating landmarks and curios. Replacing the now-extinct sites from the previous edition, updating entries for attractions that have moved, re-assigning coveted chapters to more inspiring baseball venues that have since opened, and including stunning color photos for nearly all of them, Josh Pahigian has created the perfect gift for any baseball fan.
Recognize market opportunities, master the design process, and develop business acumen with this 'how-to' guide to medical technology innovation. A three-step, proven approach to the biodesign innovation process - identify, invent, implement - provides a practical formula for innovation. The experiences of hundreds of innovators and companies, in the form of case studies, quotes and practical advice, offer a realistic, action-orientated roadmap for successful biodesign innovation. Real-world examples, end-of-chapter projects, and Getting Started sections guide the reader through each of the key stages of the process and provide a template to create their own new medical devices. Addressing common medical, engineering, and business challenges to develop well-rounded expertise, this book is the complete package for any biodesign entrepreneur. The text is supported by valuable resources, including up-to-date industry changes: found at ebiodesign.org.
This volume, consisting of divisions by subject areas, presents topical essays, biographical sketches of scientists, and a listing of primary source documents.
From the thought leaders at Boston Consulting Group come lessons on how leading health systems around the world are delivering patient-centered, value-based care by focusing on the health outcomes that matter to patients. To address the growing crises confronting the global health sector, health systems need to deliver better health outcomes to patients for the money spent, an approach known as value-based health care. Contrary to traditional approaches to health-systems reform that emphasize cost containment, value-based health care shifts the focus to continuous improvement in the outcomes delivered to patients. Systematically measuring, tracking, and improving health outcomes over time can have a transformative effect, enabling health systems to: deliver better patient outcomes and overall population health more consistently identify and disseminate best-practice diagnoses and treatments more rapidly control total health-care costs more effectively because unnecessary procedures are eliminated, expensive complications occur less frequently, and repeat treatments are avoided rebuild the trust and motivation of health professionals by aligning system performance goals with professional purpose The only way for the health care sector to sustainably contain costs and fulfill its mission is by putting the patient and the delivery of outcomes that matter to patients at the center of the industry’s efforts and by aligning incentives around the continuous improvement of health outcomes in a cost-effective manner.Designed by thought leaders at Boston Consulting Group as a practical step-by-step guide for clinicians, payers, policymakers, and other industry stakeholders, The Patient Priority features powerful case studies of leading value-based innovators—both public and private, as well as from both high- and low-income countries—that are taking the concept of value-based health care from theory to practice. The book also presents a detailed road map for the comprehensive value-based transformation of national health systems. This book is an indispensable tool to launch a new era of patient-centered innovation, unlock value in health care, and bring about step-function improvements in productivity, performance, and population health.
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