The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made significant changes to the admin. of bankruptcy relief, affecting: (1) the U.S. Trustee Program, which oversees the bankruptcy process; (2) the fed. judiciary; (3) consumers filing for bankruptcy; and (4) private trustees -- individuals who administer bankruptcy cases and are supervised by the Trustee Program. The number of new personal bankruptcy filings declined after the act -- 600,000 people filed in 2006 as compared to 1.5 million annually between 2001 and 2004. This report examines: (1) new costs incurred as a result of the Bankruptcy Reform Act by the Trustee Program and fed. judiciary; (2) new costs to consumers; and (3) the impact of the act on private trustees. Illustrations.
In the wake of the ongoing conflicts in Iraq and Afghanistan, thousands of current and former military servicemembers are undergoing a transition between their military service and their civilian employment. Congress enacted the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) to protect the employment and reemployment rights of federal and nonfederal employees when they leave their employment to perform military or other uniformed service. Among other rights, servicemembers who meet the statutory requirements are entitled to reinstatement to the positions they would have held if they had never left their employment or to positions of like seniority, status, and pay. This report focuses on servicemembers who are employees of, prior employees of, and applicants to, federal executive agencies. The objective was to determine the extent to which the methods and procedures the Dept. of Labor (DOL) and the Office of Special Counsel (OSC) selected for the demonstration project allow for a later assessment and comparison of the agencies' relative performance investigating and resolving USERRA claims. Figures. This is a print on demand report.
Remittances (RE) are personal funds immigrants send to their home countries. The majority of these RE are sent to Latin Amer. & the Caribbean & they are a very important source of financial flows to many countries. In 2004, the U.S., with other countries, pledged to reduce fees for RE. RE senders in the U.S. can send funds through entities in the formal financial sector such as money transfer operators, banks, & credit unions or other informal means such as couriers. This report provides info. on: the methods of transmission available to RE senders in the formal financial sector & the advantages & disadvantages of each; the costs to send RE through the formal financial sector; & disclosures RE providers typically provide to senders. Illus.
The Public Utility Holding Co. Act of 1935 (PUHCA), which is administered by the Securities & Exchange Commission (SEC), subjects public utility holding companies to federal regulation. Some recent events have raised concerns about SEC's administration of the act. This report reviews SEC's administration of PUHCA. The report's objectives included: 1. determining the nature & the extent to which SEC regulates registered holding companies & the results of its regulation; 2. the extent to which SEC reviews claims of exemption & the results of these reviews; & 3. how SEC determines whether companies have a controlling influence over public utilities or holding companies. Charts & tables.
Checks represent a significant volume of payments that need to be processed, cleared, and settled. The Check Clearing for the 21st Century Act (Check 21) facilitated wider use of electronic check processing. It authorized a new legal instrument -- the substitute check -- a paper copy of an image of the front and back of the original check. This report evaluates the implementation and admin. of the act and determines: (1) the gains in economic efficiency from check truncation and evaluates the benefits and costs to the Fed. Reserve System and financial institutions; (2) assesses consumer acceptance of the check truncation process resulting from Check 21; and (3) evaluates the benefits and costs to bank consumers from check truncation. Illustrations.
There have been long-standing questions about a lack of comprehensive and reliable information on consumer bankruptcies. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Bankruptcy Reform Act) required the fed. judiciary's Administrative Office of the U.S. Courts to collect and report certain additional bankruptcy statistics and required the U.S. Trustee Program, which oversees bankruptcy case admin., to develop uniform final reports that provide certain specified data about each case. This report examines the: (1) availability and accessibility of data from the personal bankruptcy system; and (2) potential benefits and limitations of the new data requirements of the Bankruptcy Reform Act in addressing these issues. Illus.
The Terrorism Risk Insur. Act. (TRIA) specifies that the fed. gov¿t. assume financial responsibility for insured losses on commercial properties resulting from future terrorist attacks. While TRIA has been credited with stabilizing markets for terrorism insur. after 9/11, questions remain as to whether certain policyholders, esp. those located in large urban areas viewed as being at high risk of attack, may still face challenges in obtaining coverage. This study describes: (1) whether the availability of terrorism insurance for commercial properties is constrained in any geographic markets; (2) factors limiting insurers¿ willingness to provide coverage; and (3) advantages and disadvantages of selected public policy options to increase the availability of such insurance. Illus.
The terrorist attacks of 9/11, have resulted in insured losses of $32.5 billion. To help restore confidence and stability in property insurance markets, the Terrorism Risk Insurance Act of 2002 was passed under which the fed. gov¿t. assumed significant responsibility for the potential insured financial losses associated with future terrorist attacks. However, some remain concerned that there may still be gaps in coverage. There are concerns about the ability of policyholders located in large urban areas that are viewed as being at high risk of attack to obtain terrorism insurance coverage. This study determines if specific markets in the U.S. have any unique constraints on the amount of terrorism insurance available and to evaluate options to enhance coverage.
Discusses the Dept. of Homeland Security's (DHS) efforts to identify and address barriers to equal employment opportunity (EEO) in its workforce. Since its inception in March 2003, DHS has faced a number of challenges, one of which is effectively and strategically managing its large workforce (about 216,000 employees) to respond to current and emerging 21st century issues. This testimony discusses: (1) the extent to which DHS has taken steps to identify barriers to EEO in the workplace; (2) efforts DHS has taken to address identified barriers and what progress has been reported; and (3) how DHS oversees and supports its components in identifying and addressing barriers. Illustrations.
This first Australian edition of Teaching Primary English has been updated and adapted to reflect the Australian sociocultural and educational context. This text provides a comprehensive, evidence informed introduction to teaching and learning English in the primary school classroom. New content refers to the Australian English Curriculum and incorporates Aboriginal and Torres Strait Islander perspectives and literacy perspectives relevant to the Asia-Pacific region as well as the broader international context. This edition also includes a new section devoted to visual literacy, critical literacy and multimodality. Teaching advice and ideas are supported by practical examples linked to video clips filmed in real schools, reflective activities, observational tasks and online resources. Each section includes suggestions for great children’s literature and offers assessment advice and support for planning for diversity and special educational needs. Drawing on the very latest research and theory, supported by practical examples and guidance, this is an essential resource for pre-service teachers as they develop subject knowledge and the skills and confidence to deliver effective and engaging classroom practice.
A new edition of the #1 text in the human computer Interaction field! Hugely popular with students and professionals alike, the Fifth Edition of Interaction Design is an ideal resource for learning the interdisciplinary skills needed for interaction design, human-computer interaction, information design, web design, and ubiquitous computing. New to the fifth edition: a chapter on data at scale, which covers developments in the emerging fields of 'human data interaction' and data analytics. The chapter demonstrates the many ways organizations manipulate, analyze, and act upon the masses of data being collected with regards to human digital and physical behaviors, the environment, and society at large. Revised and updated throughout, this edition offers a cross-disciplinary, practical, and process-oriented, state-of-the-art introduction to the field, showing not just what principles ought to apply to interaction design, but crucially how they can be applied. Explains how to use design and evaluation techniques for developing successful interactive technologies Demonstrates, through many examples, the cognitive, social and affective issues that underpin the design of these technologies Provides thought-provoking design dilemmas and interviews with expert designers and researchers Uses a strong pedagogical format to foster understanding and enjoyment An accompanying website contains extensive additional teaching and learning material including slides for each chapter, comments on chapter activities, and a number of in-depth case studies written by researchers and designers.
Regarded as the definitive source of information in the field, Infectious Diseases of the Fetus and Newborn Infant remains your indispensable source for authoritative, state-of-the-art answers. Edited by Drs. Wilson, Nizet, Maldonado, Remington, and Klein, this fully updated reference helps you apply the latest evidence-based recommendations in the prevention, diagnosis, and management of infections found in utero, during delivery, and in the neonatal period in both premature and term infants. Consult this title on your favorite e-reader. Form a definitive diagnosis and create the best treatment plans possible using evidence-based recommendations and expert guidance from world authorities. Locate key content easily and identify clinical conditions quickly thanks to a consistent, highly user-friendly format now featuring a full-color design with hundreds of illustrations, and fresh perspectives from six new authoritative chapter lead authors. Explore what’s changing in key areas such as: - emerging problems and concepts in maternal, fetal, and neonatal infectious diseases - anticipation and recognition of infections occurring in utero, during delivery, and in the neonatal period Stay on the cutting edge of your field with new and improved chapters including: obstetric factors associated with infections of the fetus and newborn infant; human milk; borella infections; tuberculosis; bordetella pertussis and other bordetella sp infections; herpes simplex; toxoplasmosis; pneumocystis and other less common fungal infections; and healthcare-associated infections in the nursery Keep up with the most relevant topics in fetal/neonatal infectious disease including new antimicrobial agents, gram- negative infections and their management, and recommendations for immunization of the fetus/mother. Overcome clinical challenges in developing countries where access to proper medical care is limited. Expert Consult eBook version included with purchase. This enhanced eBook experience allows you to search all of the text, figures, references, and videos from the book on a variety of devices.
Infectious Diseases of the Fetus and Newborn Infant, written and edited by Drs. Remington, Klein, Wilson, Nizet, and Maldonado, remains the definitive source of information in this field. The 8th edition of this authoritative reference provides the most up-to-date and complete guidance on infections found in utero, during delivery, and in the neonatal period in both premature and term infants. Special attention is given to the prevention and treatment of these diseases found in developing countries as well as the latest findings about new antimicrobial agents, gram-negative infections and their management, and recommendations for immunization of the fetus/mother. Nationally and internationally recognized in immunology and infectious diseases, new associate editors Nizet and Maldonado bring new insight and fresh perspective to the book. Form a definitive diagnosis and create the best treatment plans possible using evidence-based recommendations and expert guidance from world authorities. Locate key content easily and identify clinical conditions quickly thanks to a consistent, highly user-friendly format now featuring a full-color design with hundreds of illustrations, and fresh perspectives from six new authoritative chapter lead authors. Explore what's changing in key areas such as: - emerging problems and concepts in maternal, fetal, and neonatal infectious diseases - anticipation and recognition of infections occurring in utero, during delivery, and in the neonatal period Stay on the cutting edge of your field with new and improved chapters including: obstetric factors associated with infections of the fetus and newborn infant; human milk; borella infections; tuberculosis; bordetella pertussis and other bordetella sp infections; herpes simplex; toxoplasmosis; pneumocystis and other less common fungal infections; and healthcare-associated infections in the nursery Keep up with the most relevant topics in fetal/neonatal infectious disease including new antimicrobial agents, gram- negative infections and their management, and recommendations for immunization of the fetus/mother. Overcome clinical challenges in developing countries where access to proper medical care is limited. Expert Consult eBook version included with purchase. This enhanced eBook experience allows you to search all of the text, figures, references, and videos from the book on a variety of devices.
A delightful, engaging, and comprehensive overview of interaction design Effective and engaging design is a critical component of any digital product, from virtual reality software to chatbots, smartphone apps, and more. In the newly updated sixth edition of Interaction Design: Beyond Human-Computer Interaction, a team of accomplished technology, design, and computing professors delivers an intuitive and instructive discussion of the principles underlying the design of effective interactive technologies. The authors discuss how to design and apply digital technologies in the real world, illustrated with numerous examples. The book explores the interdisciplinary foundations of interaction design, including skills from product design, computer science, human and social psychology, and others. The book builds on the highly successful fifth edition and draws on extensive new research and interviews with accomplished professionals and researchers in the field that reflect a rapidly-changing landscape. It is supported by a website hosting digital resources that add to and complement the material contained within. Readers will also find: Explorations of the social and emotional components of interacting with apps, digital devices and computers Descriptions about how to design, prototype, evaluate and construct technologies that support human-computer interaction Discussions of the cognitive aspects of interaction design, as well as design and evaluation, including usability testing and expert reviews. An essential text for undergraduate and graduate students of human-computer interaction, interaction design, software engineering, web design, and information studies, Interaction Design will also prove to be indispensable for interaction design and user experience professionals.
Free, romantic, and individualistic, Britain’s self-image in the eighteenth century constructs itself in opposition to the dominant power of a southern European aesthetics. Offering a fresh understanding of how the British intelligentsia created a ‘Northern’ aesthetics to challenge the European yoke, this book explores the roots of British Romanticism and a newly created past. Literature, the arts, architecture, and gardening all contributed to the creation of this national, ‘enlightened’, Northern cultural environment, with its emphasis on a home-grown legal tradition, on a heroic Celtic past, and on the imagined democracy of King Arthur and his Roundtable of Knights as a prophetic precursor of Constitutional Monarchy. Set against the European Grand Tour, the British turned to the Domestic, Picturesque Anti-Grand-Tour, and alongside a classical literary heritage championed British authors and British empiricism, against continental religion that sanctioned an authoritarian politics that the Gothic Novel mocks. However, if empiricism and common law were vital to this emerging tradition, so too was the other driving force of Britain’s medieval inheritance, the fantasy world of mythic heroes and a celebration of what would come to be known as the ‘fairy way of writing’.
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