This book analyses the legal regimes governing bank crisis management in the EU, UK, and US, discussing the different procedures and tools available as well as the regulatory architecture and the authorities involved. Building on a broad working definition of 'bank crisis management' and referring to several cases, the book explores the techniques and approaches employed by the authorities to deal with troubled banks on both sides of the Atlantic. The legal analysis distinguishes between procedures and tools aimed at liquidating the bank in crisis vis-à-vis those aimed at restructuring. In this regard, attention is paid to the rules allowing for the use of public money in handling banks in trouble as well as to the role that deposit insurance schemes can play. Considerations on the impact on banks of the current crisis provoked by the COVID-19 pandemic are advanced, primarily focusing on the expected surge of non-performing loans as well as on ways to effectively manage these assets. The book approaches these issues from a comparative law perspective, providing law and economics considerations and focusing on strengths and drawbacks of the rules currently in force. The book advances policy considerations as well as reform proposals aiming at enhancing the legal regimes in force, with particular reference to the Consultation promoted in 2021 by the European Commission on the adoption of a new bank crisis management and deposit insurance framework in the Union.
Mental disorders arise from neural and psychological mechanisms that have been built and shaped by natural selection across our evolutionary history. Looking at psychopathology through the lens of evolution is the only way to understand the deeper nature of mental disorders and turn a mass of behavioral, genetic, and neurobiological findings into a coherent, theoretically grounded discipline. The rise of evolutionary psychopathology is part of an exciting scientific movement in psychology and medicine -- a movement that is fundamentally transforming the way we think about health and disease. Evolutionary Psychopathology takes steps toward a unified approach to psychopathology, using the concepts of life history theory -- a biological account of how individual differences in development, physiology and behavior arise from tradeoffs in survival and reproduction -- to build an integrative framework for mental disorders. This book reviews existing evolutionary models of specific conditions and connects them in a broader perspective, with the goal of explaining the large-scale patterns of risk and comorbidity that characterize psychopathology. Using the life history framework allows for a seamless integration of mental disorders with normative individual differences in personality and cognition, and offers new conceptual tools for the analysis of developmental, genetic, and neurobiological data. The concepts presented in Evolutionary Psychopathology are used to derive a new taxonomy of mental disorders, the Fast-Slow-Defense (FSD) model. The FSD model is the first classification system explicitly based on evolutionary concepts, a biologically grounded alternative to transdiagnostic models. The book reviews a wide range of common mental disorders, discusses their classification in the FSD model, and identifies functional subtypes within existing diagnostic categories.
A inspeção predial é uma importante ferramenta da Engenharia Diagnóstica para identificar manifestações patológicas, falhas de manutenção e irregularidades de uso e operação de edificações, de forma a evitar uma degradação precoce e garantir a qualidade predial e a segurança na fase de entrega e durante a utilização. Inspeção predial total apresenta os conceitos básicos, explica as noções de qualidade total e desempenho predial, visão sistêmica tridimensional, análise de risco e manutenção. Esta terceira edição atualizada da obra traz comentários à mais recente norma de inspeção predial do Ibape, de 2012, e ao projeto de norma da ABNT (NBR 16747), de 2018, além de apresentar as diretrizes técnicas do Instituto de Engenharia. A obra oferece dois exemplos práticos de laudo de inspeção predial total, mostrando ao leitor a aplicação prática dos conceitos abordados no livro. Uma leitura fundamental para engenheiros, arquitetos, peritos e demais profissionais envolvidos com Patologia de Edificações, Qualidade Predial Total, Engenharia Diagnóstica e manutenção predial.
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