Concerns about global biodiversity are rising dramatically, yet we are lagging behind in the most basic prerequisite for its understanding and conservation: the inventory. Insect species may make up five or ten times the number of all other plant and animal species combined, and, as such, they represent one of the major challenges in biosystematic science. World Catalogue of Insects is an initiative aimed at compiling worldscale, authoritative catalogues of monophyletic insect taxa. Volumes in this series contain standard nomenclatoral information on all names pertaining to the taxon treated, including type locality and distribution, to the extent this is relevant. Additional information is optional, e. g., location, status, and condition of types; biology; bibliographical information; pest status; vector status; etc. This volume ten focuses on Psychidae (Lepidoptera). (Series: World Catalogue of Insects)
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Guarino argues in this book that the doctrinal form of the Christian faith, in its essential characteristics, calls for certain theoretical exigencies. This is to say that the proportion and beauty of the form is not served or illuminated by simply any presuppositions. Rather, a determinate understanding of first philosophy, of the nature of truth, of hermeneutical theory, of the predication of language and mutual correlation is required if Christian faith and doctrine are to maintain a recognizable and suitably mediative form. Failing to adduce specific principles will lead either to a simple assertion of Christian truth, in which case the form of Christianity becomes less intelligible and attractive-or one will substitute a radically changed form, which is itself inappropriate for displaying the fundamental revelatory narrative of faith. The house of Christian faith possesses a certain proportion of structure; the form will sag badly if one removes an undergirding item, or if one beam is replaced with another of variable shape or size. The form's beauty will either be obscured, no longer clearly visible, or the form will become something quite different, no longer architectonically related to what was originally the case. The intention of this book is to discuss those doctrinal characteristics considered fundamental to the Christian faith, as protective of its revelatory form and, concomitantly, to examine the theoretical principles required if such form is to remain both intelligible and beautiful.
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