Conduct risk is at the core of behavioural regulation, a new approach to regulating financial services, whose new agencies and public prosecutors have spread rapidly across the world. Its prosecutors intervene assertively to challenge financial service providers to show clear evidence of a new customer-centric approach, which understands and responds to the hidden drivers of customer behaviour. They use their unprecedented powers to levy very large fines and even to imprison wrongdoers - often for not taking precautions rather than for any active wrongdoing. Conduct Risk Management is a tool for recognizing, acting on, and predicting conduct risk impacts in regulated business. Conduct Risk Management sees beyond econometric and other 'box-ticking' traditions of risk management. Whilst protecting senior managers, it helps all staff to make positive use of conduct risk to promote behaviour the regulator will accept as 'good', as good behaviour is good business. The new conduct regulations personally affect every manager in financial services, and their suppliers, with new regulations making senior managers liable to imprisonment for failures in organizational conduct. Conduct Risk Management sets out plainly what practitioners need to know to understand the regulator's intentions, to prove compliance, protect competitiveness and maintain licence to operate.
We sailed a very old wooden ketch six thousand miles from Vancouver Island to New Zealand, a feat we felt was singularly impressive since we had, virtually, to learn how to sail and navigate along the way with no charts and inadequate sextant knowledge. A journey of faith, into the unknown that really became an adventure, exciting and sometimes terrifying. Become inspired, as we were, to escape the rat race, to drop everything and do something outrageous and rewarding and perhaps, like me, you will see the hand of God upon whose palm you journey. This is the story of the "Rainbow," a converted Royal Navy ship's pinnace built in Newcastle on Tyne in 1891 that became the magic carpet for a couple of young people who were willing to forgo a life of safety and security to find themselves through a voyage to 'the Real World'.
On the eve of its centennial, Carol Dawson and Roger Allen Polson present almost 100 years of history and never-before-seen photographs that track the development of the Texas Highway Department. An agency originally created “to get the farmer out of the mud,” it has gone on to build the vast network of roads that now connects every corner of the state. When the Texas Highway Department (now called the Texas Department of Transportation or TxDOT) was created in 1917, there were only about 200,000 cars in Texas traveling on fewer than a thousand miles of paved roads. Today, after 100 years of the Texas Highway Department, the state boasts over 80,000 miles of paved, state-maintained roads that accommodate more than 25 million vehicles. Sure to interest history enthusiasts and casual readers alike, decades of progress and turmoil, development and disaster, and politics and corruption come together once more in these pages, which tell the remarkable story of an infrastructure 100 years in the making.
A bend is a knot securely joining together two lengths of cord (or string or rope), thereby yielding a single longer length. There are many possible different bends, and a natural question that has probably occurred to many is: ?Is there a ?best? bend and, if so, what is it??Most of the well-known bends happen to be symmetric ? that is, the two constituent cords within the bend have the same geometric shape and size, and interrelationship with the other. Such ?symmetric bends? have great beauty, especially when the two cords bear different colours. Moreover, they have the practical advantage of being easier to tie (with less chance of error), and of probably being stronger, since neither end is the weaker.This book presents a mathematical theory of symmetric bends, together with a simple explanation of how such bends may be invented. Also discussed are the additionally symmetric ?triply symmetric? bends. Full details, including beautiful colour pictures, are given of the ?best 60? known symmetric bends, many of which were created by these methods of invention.This work will appeal to many ? mathematicians as well as non-mathematicians interested in beautiful and useful knots.
The questions of how a large population of neurons in the brain functions, how synchronized firing of neurons is achieved, and what factors regulate how many and which neurons fire under different conditions form the central theme of this book. Important neurological techniques for the physiological reconstruction of a large biological neural network are presented.
In the next wave of conduct regulation in financial markets, from 2021 conduct regulators in the UK and elsewhere expect firms to produce evidence on how they are improving behaviour and culture. Facing this, many practitioners are anxious that their current reporting and management information (MI) are irrelevant to meeting as-yet unclear regulatory expectations. This book provides the insights and tools firms need to report on culture, securing both enhanced business value and the regulator's approval. Culture is now seen as a key contributor to good governance, feeding into existing discourse on environmental, social and governance (ESG) factors and the emerging dialogue on 'non-financial (mis)conduct', but conventional measures of business quality are unfit for the new reporting agenda. Culture Audit in Financial Services follows the arc of 'behavioural regulation' to examine what the regulator really wants, before offering guidance on how culture audit differs from conventional auditing, how to put the latest pure-research findings to work, and the key features of well-designed conduct and culture reports. Written by an impartial author and a variety of contributors with extensive experience working with practitioners, regulators, and many of the world's finest academic initiatives, this book is filled with practical, grounded advice on how best to approach this new challenge and avoid infractions.
In Fast Oscillations in Cortical Circuits, the authors use a combination of electrophysiological and computer modeling techniques to analyze how large networks of neurons can produce both epileptic seizures and functionally relevant synchronized oscillations.
A classic account of mountain life, accurately portraying the people and lore of the Cumberland Mountains. Miles' familiarity with the mountain people--and her perception of the importance of women, especially older women--allows her to illustrate their way of life in a personal and realistic manner ". . . gives us an extraordinary insight into the personal relationships of the mountain lore, signs, rhymes, omens, tales, even the development of the mountain music. She presents the strength of religious beliefs along with the emotionalism and simplistic tradition of 'the old-time religion.'" --The Southern Quarterly . Emma Bell Miles (1879-1919) also wrote numerous poems and short stories that appeared in such publications of the period as Harpers Monthly, Century, and Lippincott's.
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