How the American government has long used financial credit programs to create economic opportunities Federal housing finance policy and mortgage-backed securities have gained widespread attention in recent years because of the 2008 financial crisis, but issues of government credit have been part of American life since the nation’s founding. From the 1780s, when a watershed national land credit policy was established, to the postwar foundations of our current housing finance system, American Bonds examines the evolution of securitization and federal credit programs. Sarah Quinn shows that since the Westward expansion, the U.S. government has used financial markets to manage America’s complex social divides, and politicians and officials across the political spectrum have turned to land sales, home ownership, and credit to provide economic opportunity without the appearance of market intervention or direct wealth redistribution. Highly technical systems, securitization, and credit programs have been fundamental to how Americans determined what they could and should owe one another. Over time, government officials embraced credit as a political tool that allowed them to navigate an increasingly complex and fractured political system, affirming the government’s role as a consequential and creative market participant. Neither intermittent nor marginal, credit programs supported the growth of powerful industries, from railroads and farms to housing and finance; have been used for disaster relief, foreign policy, and military efforts; and were promoters of amortized mortgages, lending abroad, venture capital investment, and mortgage securitization. Illuminating America’s market-heavy social policies, American Bonds illustrates how political institutions became involved in the nation’s lending practices.
A description of the Vietnam Memorial, the memorial which commemorates the American dead from the Vietnamese Conflict and which is the most visited monument in the nation's capital.
Healthcare professionals, including doctors, pharmacists and nurses, are often confronted with patients who use over-the-counter (OTC) herbal medicinal products and food supplements. While taking responsibility for one’s own health and treatment options is encouraged, many patients use these products based on limited (and sometimes inaccurate) information from non-scientific sources, such as the popular press and internet. There is a clear need to offer balanced, well-informed advice to patients, yet a number of studies have shown that, generally, conventionally trained health practitioners consider their knowledge about herbal medicinal products and supplements to be weak. Phytopharmacy fills this knowledge gap, and is intended for use by the busy pharmacist, nurse, or doctor, as well as the ‘expert patient’ and students of pharmacy and herbal medicine. It presents clear, practical and concise monographs on over a hundred popular herbal medicines and plant-based food supplements. Information provided in each monograph includes: • Indications • Summary and appraisal of clinical and pre-clinical evidence • Potential interactions • Contraindications • Possible adverse effects An overview of the current regulatory framework is also outlined, notably the EU Traditional Herbal Medicinal Products Directive. This stipulates that only licensed products or registered traditional herbal medicinal products (THRs), which have assured quality and safety, can now legally be sold OTC. Monographs are included of most of the major herbal ingredients found in THRs, and also some plant-based food supplements, which while not strictly medicines, may also have the potential to exert a physiological effect.
This book constitutes the refereed proceedings of the 5th International Workshop on Data Integration in the Life Sciences, DILS 2008, held in Evry, France in June 2008. The 18 revised full papers presented together with 3 keynote talks and a tutorial paper were carefully reviewed and selected from 54 submissions. The papers adress all current issues in data integration and data management from the life science point of view and are organized in topical sections on Semantic Web for the life sciences, designing and evaluating architectures to integrate biological data, new architectures and experience on using systems, systems using technologies from the Semantic Web for the life sciences, mining integrated biological data, and new features of major resources for biomolecular data.
This practical and comprehensive text effectively provides advertising account planning principles within an integrated marketing communications framework. With a world-renowned textbook author team, this 4th edition has been fully updated to include: Fresh professional examples and mini-case studies within each chapter with a more global outlook than previous editions, bringing the theoretical concepts to life A new chapter on International Advertising addressing the challenges of managing a global campaign Pedagogical features and visual aids to support student learning and comprehension, including reflective questions and mini-cases drawn from current industry examples New and expanded content covering digital marketing and technologies; the customer journey; ethics and corporate social responsibility; global positioning of the brand; paid, earned and owned media; influencer marketing, and campaign measurement and analytics. Providing a full understanding of the advertising account planning process, this textbook is perfect for both the industry and classroom. The textbook will equip students of Marketing Communications, Advertising Management and Brand Management with the knowledge and skills they need to plan and manage a strategic communications campaign, including prominent advertising student competitions such as American Advertising Federation ( AAF) National Student Advertising Competition ( NSAC) or the Collegiate EFFIES. Online resources include PowerPoint slides and a test bank.
Who was this scalawag? Simply a native, white, Alabama Republican! Scorned by his fellow white Southerners, he suffered, in his desire for socioeconomic reform and political power, more than mere verbal abuse and social ostracism; he lived constantly under the threat of physical violence. When first published in 1977, Wiggin’s treatment of the scalawag was the first book-length study of scalawags in any state, and it remains the most thorough treatment. According to The Journal of American History, this is the “most effective challenge to the scalawag stereotype yet to appear.”
How the American government has long used financial credit programs to create economic opportunities Federal housing finance policy and mortgage-backed securities have gained widespread attention in recent years because of the 2008 financial crisis, but issues of government credit have been part of American life since the nation’s founding. From the 1780s, when a watershed national land credit policy was established, to the postwar foundations of our current housing finance system, American Bonds examines the evolution of securitization and federal credit programs. Sarah Quinn shows that since the Westward expansion, the U.S. government has used financial markets to manage America’s complex social divides, and politicians and officials across the political spectrum have turned to land sales, home ownership, and credit to provide economic opportunity without the appearance of market intervention or direct wealth redistribution. Highly technical systems, securitization, and credit programs have been fundamental to how Americans determined what they could and should owe one another. Over time, government officials embraced credit as a political tool that allowed them to navigate an increasingly complex and fractured political system, affirming the government’s role as a consequential and creative market participant. Neither intermittent nor marginal, credit programs supported the growth of powerful industries, from railroads and farms to housing and finance; have been used for disaster relief, foreign policy, and military efforts; and were promoters of amortized mortgages, lending abroad, venture capital investment, and mortgage securitization. Illuminating America’s market-heavy social policies, American Bonds illustrates how political institutions became involved in the nation’s lending practices.
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