American households, businesses, and governments have always used intensive amounts of credit. The Engine of Enterprise traces the story of credit from colonial times to the present, highlighting its productive role in building national prosperity. Rowena Olegario probes enduring questions that have divided Americans: Who should have access to credit? How should creditors assess borrowers’ creditworthiness? How can people accommodate to, rather than just eliminate, the risks of a credit-dependent economy? In the 1790s Alexander Hamilton saw credit as “the invigorating principle” that would spur the growth of America’s young economy. His great rival, Thomas Jefferson, deemed it a grave risk, inviting burdens of debt that would amount to national self-enslavement. Even today, credit lies at the heart of longstanding debates about opportunity, democracy, individual responsibility, and government’s reach. Olegario goes beyond these timeless debates to explain how the institutions and legal frameworks of borrowing and lending evolved and how attitudes about credit both reflected and drove those changes. Properly managed, credit promised to be a powerful tool. Mismanaged, it augured disaster. The Engine of Enterprise demonstrates how this tension led to the creation of bankruptcy laws, credit-reporting agencies, and insurance regimes to harness the power of credit while minimizing its destabilizing effects.
Heteras is a fantasy novel that pits the forces of the noble against the forces of an ancient evil. It is a tale of four worlds connected by a gateway called Heteras. In Book 1, Mozeh abducts the god Protector, hunts for the future leaders they call Marked Children, and sets Heteras aflame. The Elders appoint Anazar, a record keeper, to lead the survivors through a mythical stairway beneath a lake watched over by Guardian spirits. They carry with them a sac full of green stones, a withered journal, and pouches of an indigenous tea. The ninety-ninth step leads the Heterans to a vineyard in a sleepy village in Rhineland, Germany. With the children safe, Anazar begins his search for an heir who possesses a jewel that will help the travelers in their quest to rescue their Protector and restore peace in Heteras. They adjust to life in this big strange world and embark on an adventure that earns them allies and foes. Along the way, they cross paths with a brother and a sister who are also on a quest of their own. Was this encounter predestined? Their search takes them to the peaks of the Dolomites in Northern Italy where they hope to find the answers they seek, and where, on a seemingly unremarkable hill, the next phase of their adventure begins.
It is 4:30 on a Saturday morning at Barrio Santa Inez, in the town of La Paz, Zambales. Gabriel Alvarez is roused from sleep by a farmer who has come to report that four thieves are making off with the coffin of a recently buried, rich Chinese businessman. Compelled to pursue the perpetrators but with no police in sight, Alvarez enlists the help of a gun-toting cousin. While the two men scour the cemetery for clues, they stumble upon a body crammed in a sack. After it is identified, Philippine Constabulary investigators descend on the province, focusing on Gabriels relations and his past dalliance with a mysterious woman. Desperate and on the run, he gets help from a powerful politician with a great debt of gratitude to pay...but one who has much to lose. As the story unfolds and secrets come to light, Barrio Captain Alvarez realizes that the past has come to revisit him, and that he has become a pawn in one mans grand ambition. His only hope of salvation lies in a faith healer whose unusual methods border the bizarre. From the beaches of Zambales to the Hundred Islands of Lingayen; from the seedy strips of Subic to the slopes of a dormant volcano, Alvarez races for his life, his pursuers never far behind. Meanwhile, in their midst lives a woman trapped in a nightmare whose dark tortured mind has a story to tell. Love, heroism and diseased souls - La Paz has it all.
Americans seeking herbal medicines now face confusion and even danger. There is great potential for these medicines to improve the health of consumers--if current regulations can be revised!Herbal Medicine: Chaos in the Marketplace is a prize-winning critique of the regulation and business of herbal medicine in the United States. It is the first book that examines the big picture issues-it tells the story of how the present situation developed, looks at what it means for consumers, compares approaches taken in other industrialized countries, and recommends where we need to go from here. Convenient reference tables provide easy access to information.Concerns about herbal medicines are hitting the headlines regularly, yet no other book has examined the core issues in depth from a public health perspective. Herbal Medicine: Chaos in the Marketplace fills that gap. It is highly relevant today, and you’ll find it will continue to be indispensable reading for years to come as the situation plays out.This balanced, unique, and insightful volume will add to your knowledge of herbal medicine regulation and its impact on consumer health by: framing the limitations of the current situation with brief examples reviewing the regulatory history of herbal medicines in the United States placing the situation in an international context by also examining regulations in Canada, Germany, France, and the United Kingdom illustrating the practical implications of U.S. regulations with six examples that demonstrate how herbal medicines could contribute more to consumer health--and the public health risks associated with the current regulatory situation analyzing the public health issues related to safety, research, clinical practice, consumer interests, business, media, and federal government offering key, high-impact recommendations for future policyConsumers, health care professionals, business people in the domestic and foreign herb industries, researchers, health plan executives, food and drug attorneys and policymakers, as well as educators and students, will all find this book essential to their understanding of the workings of the herbal medicine industry. Visit the author’s website at http://www.herbalchaos.com
Writing in Social Spaces addresses the problem of making time and space for writing in academic life and work of the professionals and practitioners who do academic writing'. Even those who want to write, who know how to write well and who have quality publications, report that they cannot find enough time for writing. Many supervisors are unsure about how to help postgraduates improve their writing for thesis and publication. Whilst the problem does presents through concerns with ‘time’, it is also partly about writing practices, academic identities and lack of motivation. This book provides a research-based, theorised approach to the skill of writing whilst retaining a link to writing practices and giving immediate yet sustainable solutions to the writing problem. It supplies new theory and practice on: socializing writing-in-progress and writing with others exploring the alternation of conscious and unconscious, internal and external processes in academic writing whilst in a social grouping Applying social processes in the writing process Using case studies and vignettes of writing in social spaces to illustrate the theory in practice, This book is a valuable resource for academics, scholars, professionals and practitioners, as well as researchers at all stages of their career, and in all disciplines.
Can two people from different worlds find their way to each other? Just as an unexpected passion began to blossom between Morwen Tremayne and Ben Killigrew, the fates seemed determined to stifle its growth. A long, bitter struggle between owner and workforce brought about Charles Killigrew’s sudden illness, and with it Ben’s summons to the head of the family firm. Innocent victims of other men’s antagonisms, they find themselves party to a conflict that threatens to cut them off not only from their families, but from each other... A touching, heartbreaking tale of a love that conquers all, Killigrew Clay is perfect for fans of Rosie Goodwin, and Linda Finlay
Packed with insight into contemporary issues and analysis of the latest developments in UK and US Politics, including the 2019 UK General Election and 2020 US election, this textbook is specially designed to help your students perform to the best of their abilities in the AQA Politics Paper 1 and Paper 2 exams. This Student Textbook: - Strengthens your students' understanding of comparative politics through dedicated comparative politics chapters and synoptic links throughout - Builds your students' confidence by highlighting key terms and connections between different topics in the specification - Develops your students' skills of analysis and evaluation through activities, debates and exam-style questions - Provides answer guidance for exam-style questions online at www.hoddereducation.co.uk
A comprehensive but light-hearted guide to grammar for the twenty-first century. Agitated about apostrophes? Struggling with spelling? Dithering over dangling participles? Stumped by the subjunctive? Relax. Help is at hand... For native English speakers who realise that there is more to good English than meets the eye, but don’t know where to start; for parents struggling to explain the finer details to their kids; and for English- language students everywhere . . . this is the only book you need. Grammar for Grown-Ups guides you through the perils, pitfalls and problematic aspects of the English language, with fun test-yourself sections all the way.
Research from Australia, Europe, and the UK is used to examine the differences between the image and reality of work in the software development industry and to provide an analysis of software development and developers.
A thorough - and thoroughly enjoyable - look at the genre of the feminist crime novel in Britain and the United States. A pioneering work in the field and an indispensable guide for readers and scholars of the genre.
Although fertility drugs are increasing the incidence of twin births, conjoined twins remain rare at about 1 in 75,000 births. Nonetheless, they present a unique opportunity to learn about human development, as well as a challenge to medical professionals. In Conjoined Twins, Rowena Spencer, M.D., provides a comprehensive guide that thoroughly reviews the past century's literature on the subject and develops her theory of how these cases occur. After introductory chapters on history and embryology, the book presents a separate chapter for each of the eight main types of conjoined twins. Detailed descriptions of conjoined twins are accompanied by information valuable in planning surgical treatment, as well as extensive tables summarizing the available data on each type. Conjoined triplets and unusual conjoined twins receive attention in the final two chapters. Including line illustrations and photographs, this encyclopedic book about a complex subject will be a valuable reference for the many professionals who evaluate, treat, and study conjoined twins.
Foreword by Jane FondaThe first step towards living a long and enjoyable life is maintaining a healthy lifestyle. The next step is learning how to be a partner with your doctor. This book is a tool to help you take that second crucial step! - Jane FondaI found this book to be an exceptionally clear and helpful guide for consumers and practitioners alike. The future of medical care will be based on the informed user of health care; this book will help point the way. No patient or future patient should be without this book! -Scott P. Smith, M.D., M.P.H., F.A.C.P., Vice President and National Medical Director of First Health, and National Medical Director of CCN Managed CareA useful, practical, easy-to-read guide, packed with basic tips and common sense advice that can help you and your family understand how to stay well and deal with sickness and the medical system. A solid section on how to evaluate health sites on the Internet rounds out this handy book. -Peter Frishauf, founder of Medscape, from WebMDNeil is a great asset wherever he steps in. Our project is very lucky to have him as a friend. - Patch AdamsAre you medically literate? Do you have any idea what your doctor looks for during a routine examination, or what questions you should ask during an office visit? If you're like most people, the answer is no. Most of us simply put our trust in this most revered of authority figures and assume he or she must know all the answers. But since in the end, it's your body and your health, you should be the one taking charge. In fact, you can help your doctor give you the best care possible by taking a proactive attitude in partnership with your doctor.In this user-friendly and highly informative book, Drs. Shulman and Sobczyk provide vital guidelines to help you keep tabs on your health, find and evaluate the medical information you need, and ask your doctor relevant, meaningful questions. You'll learn:?how a doctor makes a diagnosis of your medical status'what tools the physician uses to evaluate your health (medical history, the physical examination, and medical testing)?how to prepare for a doctor's visit and how to make the most of the average two minutes of face-to-face contact'what questions to ask and how to prepare a concise summary of relevant symptoms'the importance of making sure the doctor is aware of your genetic background, prior illnesses, and current medications and supplements'what diseases are likely at each stage of life'how to avoid illness by using preventive healthcare measures and services'how to understand medical test results and when to request tests'where to find quality health information on the InternetIn an age of HMOs and managed health care, now more than ever consumers need to be their own advocates in providing for their medical needs. Complete with an extensive glossary of medical terms, tests, and procedures, this marvelous resource will empower average persons to work in partnership with their doctors to manage their own health care.Neil Shulman, M.D., is associate professor of medicine at Emory University School of Medicine and Chairman of the Board of The Gesundheit Institute, founded by the real Dr. Patch Adams, on whose life the popular movie starring Robin Williams was based. Dr. Shulman has published 17 books and has written, produced, and/or acted in videos and movies, including the major motion picture Doc Hollywood, starring Michael J. Fox, which is based on Dr. Shulman's novel.Rowena Sobczyk, M.D., has practiced medicine for over 25 years and is currently affiliated with Georgia Institute of Technology's Student Health Services. She has also served on the medical advisory board for The Self-Care Advisor (Time-Life Books) and has published research articles on women's health issues.
Dr. Rowena Shaw was born in the picturesque Philippine Islands. As a young child of ten, she contracted polio. Overnight, she was flung into the bleak world of paralysis and the subsequent, painful and arduous rehabilitation process to regain mobility. In her early twenties, a two month leisure trip to the U.S. to visit family members was unexpectedly transformed to permanent residency as a result of a "chance" meeting with her future husband at her aunt's home. Graduate degrees in School Psychology and Educational Administration from the state university enriched over a thirty year career as counselor and school psychologist at an elementary and middle school in the United States. Decades of professional relationships afforded Dr. Shaw a plethora of experiences and stories about colleagues, students, and parents, an amalgamation of woeful and amusing tales. Recollections and musings on family life, aging, travel, friendships, marriage and raising children entertain readers with LOL detours.
In times like these, when people are rushing every day to go about their daily task, it is refreshing to have a quick dip into the Word of God and hear Him whisper strengthening inspirations that will help start one's day. God's Whispers is a daily collection of reflections that aims to give a quick dose of God's Word before one launches into the day all year round for 366 days. Packed not only with biblical insights but also testimonies of individuals who had unique personal encounters with Jesus Christ, this daily devotional is powerful and life-changing. One manuscript reader commented, "I was mesmerized by the words. they put meaning to a lot of things. I was overjoyed as if the Holy Spirit has filled my heart and lifted my spirit high. I could read it again and again, and yet it gives a new meaning each time." Indeed, this book is Holy Spirit– breathed! As you are inspired after reading this book, join the God's Whispers Movement and be part of a dynamic group that makes God's Words come alive in the lives of many through prayer and life's testimonies. What is worth more living for than to add values to other people's lives? "Only one life,'twill soon be past, Only what's done for Christ will last." C. T. Studd
Can sisterhood pull them through the darkest days? Imogen Caldwell and her sisters, Daisy and Elsie, are fighting to save their childhood home and stay in Bristol. After times became hard their father sold the family business – now all they have left is each other. When tragedy tears the Caldwell girls apart, they begin to forge their own futures. But the Second World War looms, and their lives will change more dramatically than they could have ever imagined. Through love and heartbreak, fear and loss, can they make it through the war unscathed? This inspiring wartime, coming of age story is perfect for fans of Rosie Clarke, Michelle Rawlins and Elaine Everest.
Slowly losing himself to madness, King Charald has passed his verdict on the mystic Wyrds: banishment, by the first day of winter. Their leader, Imoshen, believes she has found a new home for her people, but many are still stranded, amidst the violence and turmoil gripping Chalcedonia. A reward is offered for their safe return, and greedy men turn to abduction. Tobazim arrives in port, to ready the way for his people, and finds their ships have been stolen. Sorne, the king’s halfblood advisor, needs to find his sister and bring her to safety. Ronnyn and his family, living peacefully in the wilderness, are kidnapped by raiders eager for the reward. Whether the ships are ready or not, the Wyrds must leave soon; those who remain behind will be hunted down and executed. Time is running out for all of them.
In her magnificent Sacred Ground to Sacred Space, visionary artist Rowena Pattee Kryder weaves together the scientific and spiritual traditions to reveal how the sacred is inherent in nature, and how we can get in touch with the qualities of subtle energy and light that are the power and codes for manifesting harmonious culture.
In his introduction John D. Milligan considers Reed's provocative thesis that General George B. McClellan's concept of a grand strategy would have ended the bloodshed sooner.
In his introduction John D. Milligan considers Reed's provocative thesis that General George B. McClellan's concept of a grand strategy would have ended the bloodshed sooner.
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