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Risk Management for Enterprises and Individuals
by Etti Baranoff Patrick Lee Brockett Yehuda KahaneThis book is intended for the Risk Management and Insurance course where Risk Management is emphasized. When we think of large risks, we often think in terms of natural hazards such as hurricanes, earthquakes or tornados. Perhaps man-made disasters come to mind such as the terrorist attacks in the U.S. on September 11, 2001. Typically we have overlooked financial crises, such as the credit crisis of 2008. However, these types of man-made disasters have the potential to devastate the global marketplace. Losses in multiple trillions of dollars and in much human suffering and insecurity are already being totaled, and the global financial markets are collapsing as never before seen. We can attribute the 2008 collapse to financially risky behavior of a magnitude never before experienced. The 2008 U.S. credit markets were a financial house of cards. A basic lack of risk management (and regulators' inattention or inability to control these overt failures) lay at the heart of the global credit crisis. This crisis started with lack of improperly underwritten mortgages and excessive debt. Companies depend on loans and lines of credit to conduct their routine business. If such credit lines dry up, production slows down and brings the global economy to the brink of deep recession or even depression. The snowballing effect of this failure to manage the risk associated with providing mortgage loans to unqualified home buyers have been profound, indeed. When the mortgages failed because of greater risk- taking on the Street, the entire house of cards collapsed. Probably no other risk-related event has had, and will continue to have, as profound an impact world wide as this risk management failure. How was risk in this situation so badly managed? What could firms and individuals have done to protect themselves? How can government measure such risks (beforehand) to regulate and control them? These and other questions come to mind when we contemplate the consequences of this risk management fiasco. Standard risk management practice would have identified sub-prime mortgages and their bundling into mortgage-backed-securities as high risk. People would have avoided these investments or would have put enough money into reserve to be able to withstand defaults. This did not happen. Accordingly, this book may represent one of the most critical topics of study that the student of the 21st century could ever undertake. Risk management will be a major focal point of business and societal decision making in the 21st century. A separate focused field of study, it draws on core knowledge bases from law, engineering, finance, economics, medicine, psychology, accounting, mathematics, statistics and other fields to create a holistic decision-making framework that is sustainable and value- enhancing. This is the subject of this book.
Sexuality and Our Diversity: Integrating Culture with the Biopsychosocial Version 1.0
by Marcus TyeSexuality and Our Diversity: Integrating Culture with the Biopsychosocial by Marcus Tye explores, with an integrated approach, the complex dimensions of biology, culture, psychology, sociology, history, and philosophy that explain human sexual diversity. While this text is primarily focused on the present, it also explores selected aspects of history to lend perspective to students that contemporary controversies have deep historical roots.
Sick!: The Twists and Turns Behind Animal Germs
by Heather L. MontgomeryWhen a super sickness lands on the land, when a parasite becomes more than a pest, when an infection ignites an epidemic, what's a body to do? Your body is an animal body, so why not ask the animals?Follow the scientists, around the world and into their labs, who are studying animals and the germs that attack them. From fungus-ridden frogs with fevers to bacteria-resistant buzzards and everything in-between, animals have A LOT to teach us about infections. But-reader beware!!-the story of germs is filled with twists and turns.In this fascinating, highly visual nonfiction book packed with colorful, comic-style art, you'll discover not only the cool ways that animal bodies (and our bodies) fight back against pesky pathogens, but also the amazing and surprising ways we can learn to work together with germs.Sick! The Twists and Turns Behind Animal Germs is written by Heather L. Montgomery with graphic novel-style art from Lindsey Leigh.
Sociology
by Steven E. BarkanThis best selling software-based workbook lets students explore dozens of sociological topics and issues, using data from the United States and around the world. With the workbook and accompanying ExplorIt software and data sets, students won't just read about what other sociologists have done, they will discover sociology for themselves. DISCOVERING SOCIOLOGY will add an exciting dimension to the introductory sociology course.
Sociology: Understanding and Changing the Social World
by Steven E. BarkanThe founders of sociology in the United States wanted to make a difference. A central aim of the sociologists of the Chicago school was to use sociological knowledge to achieve social reform. A related aim of sociologists like Jane Addams, W.E.B. DuBois, and Ida B. Wells-Barnett and others since was to use sociological knowledge to understand and alleviate gender, racial, and class inequality. It is no accident that many sociology instructors and students are first drawn to sociology because they want to learn a body of knowledge that could help them make a difference in the world at large. Steve Barkan's Sociology: Understanding and Changing the Social World is designed for this audience. It presents a sociological understanding of society but also a sociological perspective on how to change society, while maintaining the structure and contents of the best mainstream texts.
The Strange Case of Dr. Jekyll and Mr. Hyde
by Robert Louis StevensonRespected scientist Dr. Jekyll develops a potion that transforms him into his alter ego, the depraved Mr. Hyde, who indulges in acts of lust and brutality. Both a page-turner and an exploration of good and evil, The Strange Case of Dr. Jekyll and Mr. Hyde is one of the best-known stories in all of literature. This short novel, first published in 1886, is the definition of a classic.
The Strange Case of Dr. Jekyll and Mr. Hyde
by Robert Louis StevensonRespected scientist Dr. Jekyll develops a potion that transforms him into his alter ego, the depraved Mr. Hyde, who indulges in acts of lust and brutality. Both a page-turner and an exploration of good and evil, The Strange Case of Dr. Jekyll and Mr. Hyde is one of the best-known stories in all of literature. This short novel, first published in 1886, is the definition of a classic.
Survey of Economics Version 1.0
by Libby Rittenberg Timothy TregarthenThis Survey of Economics textbook is intended for the one-semester introductory economics course. Building on the pedagogy developed in their successful two-semester Principles of Economics textbook, Libby and Tregarthen cover topics that will give students the tools to understand the economics way of thinking.
Sustainability, Innovation, and Entrepreneurship
by Andrea LarsonThis book is suited for the Entrepreneurship or Innovation course with an emphasis on Sustainability or for a course devoted entirely to Sustainability. The deep roots of sustainability thinking are now evident in widespread and increasingly visible activities worldwide, this text will help you and your students explore that necessity, its implications and its progression.
Tiny Wonders
by Sally Soweol HanThe world is full of wonders, if we take a small moment to look! A beautiful story about everyday magic.April's town is dull and gray, and the people there are too busy to laugh or look up at the sky. But when April remembers Grandma's stories about wonder in the world, like the secret language of flowers, April wonders: Can dandelions help? Planting tiny seeds while the seasons shift towards spring, April watches as the dandelions and other flowers sprout, bringing more than a little wonder back to her community.Debut author-illustrator Sally Soweol Han's gorgeous and inspirational story encourages young readers to consider how they too can plant a little wonder in the world.
The Yawnicorn
by Emily HamiltonMagic is waiting in this rhythmic, calming tale that is the perfect bedtime story for when little ones struggle to fall asleep!You're tucked into bed, ready for sleep. But . . . your head is all busy. and your legs are all twitchy. And this blanket is so itchy!It's time to call on the Yawnicorn! Tuck in for an enchanting nighttime adventure flying over oceans, marching through jungles, and soaring across glittering galaxies until you find your perfect dreamland. With the Yawnicorn's help, young readers are destined for a night of magical wonder and sweet dreams.Join the Yawnicorn on a bedtime adventure you'll never forget!
Anarchy, State, and Utopia: Second Edition
by Robert NozickThe foundational text of libertarian thought, named one of the 100 Most Influential Books since World War II (Times Literary Supplement)First published in response to John Rawls' A Theory of Justice, Robert Nozick's Anarchy, State, and Utopia has become a defining text of classic libertarian thought. Challenging and ultimately rejecting liberal, socialist, and conservative agendas, Nozick boldly asserts that the rights of individuals are violated as a state's responsibilities increase -- and that the only way to avoid these violations is the creation of a minimalist state limited to the enforcement of contracts and to protection against force, fraud, and theft.Winner of the National Book Award and translated into over one hundred languages, Anarchy, State and Utopia remains one of the most theoretically trenchant and philosophically rich defenses of economic liberalism to date. With an introduction by philosopher Thomas Nagel, this edition brings Nozick and his work to today's generation of readers.
Dark Blade: Whispers of the Gods Book 1 (Whispers of the Gods #1)
by Steve Feasey'This has everything you want from an epic fantasy adventure – devious Gods, hideous monsters, a portal to another dimension and a hero with an enchanted blade. Great stuff' – Charlie Higson, author of the Young Bond series_________________________A sweeping epic fantasy perfect for fans of the Summoner trilogy by Taran Matharu and Shadow and Bone by Leigh BardugoWHEN GODS FAIL, WHO WILL KEEP THE DARKNESS OUT?Lann knows nothing of his mysterious past, but by his fifteenth birthday he will come face to face with destiny. For Lann must wield the Dreadblade, an ancient sword forged to defeat terrible monsters. Across the mountains a King has been murdered. His daughter, Astrid, is a warrior with no desire to bear the crown. Only she can uncover her father's killer before her brother is framed for the crime.Evil is stirring. Lann and Astrid are the kingdom's last defence. Together, they must face the greatest darkness their world has ever known.
The Leaving: Improvisation And The Theatre (Bloomsbury Revelations Ser.)
by Tara AltebrandoEleven years ago, six five-year-olds went missing without a trace. After all this time, the people left behind have moved on, or tried to.Until today. Now five of those kids are back. They're sixteen, and they are ... fine. Scarlett comes home and finds a mother she barely recognises, and doesn't really know who she's supposed to be, either. But she remembers Lucas. Lucas remembers Scarlett, too, but they can't recall where they've been or what happened to them. Neither of them remember the sixth victim, Max. He doesn't come back and everyone wants answers. Addictive and unforgettable, The Leaving seethes with rich characters, tense storytelling and high stakes.
Chaucer: Large Student Annotation Edition: Formatted With Wide Spacing And Margins And An Extra Page For Notes After Each Page Of Verse (pdf) (Palgrave Master Guides #Vol. 2)
by Geoffrey Chaucer Michael AlexanderAuthor Michael Alexander: Michael Alexander is Emeritus Professor of English Literature, University of St Andrews, UK. He is a poet and translator and has international experience of teaching English literature, both medieval and modern. Author Michael Alexander: Michael Alexander is Emeritus Professor of English Literature, University of St Andrews, UK. He is a poet and translator and has international experience of teaching English literature, both medieval and modern.
The Pearl of the Soul of the World (The Darkangel Trilogy)
by Meredith Ann PierceThe spellbinding conclusion to the Darkangel Trilogy!Armed with a magical pearl imbued with all the sorcery and wisdom of the world, bestowed upon her by the Ancient known as Ravenna, Aeriel finally comes face-to-face with the White Witch and her vampire sons. Backed by her husband, his army of good, and a throng of magical steeds, she must unlock the power of the pearl to awaken her true destiny and save the world.
Burnt Toast: And Other Philosophies of Life
by Teri HatcherFrom America's most beloved comedic actress and the star of Desperate Housewives comes a personal, heartfelt, and often very funny manifesto on life, love, and the lessons we all need to learn -- and unlearn -- on the road to happiness. Teri Hatcher secured her place in America's heart when she stood up to accept her Golden Globe for Best Actress and declared herself a "has-been" on national television. That moment showcased her down-to-earth, self-deprecating style -- and her frank openness about the ups and downs she's experienced in life and work. But what the world might not have seen that night is that Teri's self-acceptance is the hard-won effort of a single mother with all the same struggles most women have to juggle -- life, love, bake sale cookies, and dying cats. Now, in the hope that her foibles and insights might inspire and motivate other women, Teri opens up about the little moments that have sustained her through good times and bad. From the everyday (like the importance of letting your daughter spill her macaroni so she knows it's okay to make mistakes) to the rare (a rendezvous with a humpback whale -- and no, he was not a suitor), the message at the heart of Burnt Toast -- that happiness and success are choices that we owe it to ourselves to make -- is sure to resonate with women everywhere.
Crime And Punishment In American History
by Lawrence FriedmanIn a panoramic history of our criminal justice system from Colonial times to today, one of our foremost legal thinkers shows how America fashioned a system of crime and punishment in its own image.
For God, Country, and Coca-Cola: The Definitive History Of The Great American Soft Drink And The Company That Makes It
by Mark PendergrastFor God, Country and Coca-Cola is the unauthorized history of the great American soft drink and the company that makes it. From its origins as a patent medicine in Reconstruction Atlanta through its rise as the dominant consumer beverage of the American century, the story of Coke is as unique, tasty, and effervescent as the drink itself. With vivid portraits of the entrepreneurs who founded the company-and of the colorful cast of hustlers, swindlers, ad men, and con men who have made Coca-Cola the most recognized trademark in the world-this is business history at its best: in fact, "The Real Thing.”
Bugs In The System: Insects And Their Impact On Human Affairs
by May R. BerenbaumAn introduction to insect physiology, genetics and behaviour which looks at the interaction between humans and insects, and explores both the positive and negative aspects of the relationship.
I, Pierre Seel, Deported Homosexual: A Memoir of Nazi Terror
by Pierre SeelOn a fateful day in May 1941, in Nazi-occupied Strasbourg, seventeen-year- old Pierre Seel was summoned by the Gestapo. This was the beginning of his journey through the horrors of a concentration camp.For nearly forty years, Seel kept this secret in order to hide his homosexuality. Eventually he decided to speak out, bearing witness to an aspect of the Holocaust rarely seen. This edition, with a new foreword from gay-literature historian Gregory Woods, is an extraordinary firsthand account of the Nazi roundup and the deportation of homosexuals.
Jesus, CEO: Using Ancient Wisdom for Visionary Leadership
by Laurie Beth JonesEnhance and strengthen your corporate leadership skills with this guide to spirituality in business from a bestselling Christian consultant and speaker.Bestselling author Laurie Beth Jones brings you the ultimate guide to transforming your team and sparking inspiration in your business. In Jesus, CEO, Jones compares Jesus to a CEO who turned a disorganized "staff" of twelve into a thriving, long-lasting enterprise.With the twenty-fifth anniversary edition of Jesus, CEO, Jones revises and updates her original modernized guidance, ensuring that everyone can continue to apply the ancient wisdom pulled straight from the Bible.Filled with fresh, practical, and profound advice, Jesus, CEO helps managers motivate their teams and themselves. Jones divides this advice into three sections: strength of self-mastery, strength of actions, and strength of relationships. By teaching readers how to reinvent all aspects of their business according to the ultimate CEO, Jesus, CEO becomes the handbook you need for corporate success.
In the Shadow Of the Poorhouse: A Social History Of Welfare In America, Tenth Anniversary Edition
by Michael B. KatzWith welfare reform a burning political issue, this special anniversary edition of the classic history of welfare in America has been revised and updated to include the latest bipartisan debates on how to "end welfare as we know it.”In the Shadow of the Poorhouse examines the origins of social welfare, both public and private, from the days of the colonial poorhouse through the current tragedy of the homeless. The book explains why such a highly criticized system persists. Katz explores the relationship between welfare and municipal reform; the role of welfare capitalism, eugenics, and social insurance in the reorganization of the labor market; the critical connection between poverty and politics in the rise of the New Deal welfare state; and how the War on Poverty of the '60s became the war on welfare of the '80s.
The Path: Creating Your Mission Statement for Work and for Life
by Laurie Beth JonesIndividuals and companies have been learning what history has demonstrated all along -- that people or groups with carefully defined missions have always led and surpassed those who have none. Yet the process of outlining that mission statement has been, up to now, an arduous one that all too few have committed the time, energy, and resources to undertake. In The Path, best-selling author Laurie Beth Jones provides inspiring and practical advice to lead readers through every step of both defining and fulfilling a mission. With more than ten years' experience in assisting groups and individuals, Jones offers clear, step-by-step guidance that can make writing a mission statement take a matter of hours rather than months or years. Rich with humor, exercises, mediations, and case histories, The Path is essential reading for anyone seeking a lighter, clearer way in the world.
Baseball Turnaround: #53
by Matt ChristopherSandy Comstock once made a mistake - a bad one - but he's paid the price and now he just wants to get on with his life. Only one person stands in his way:Perry Warden, the boy who tempted Sandy to break the law in the first place. Convinced that Perry is spreading rumors about him to his new baseball teammates, Sandy face a tough decision. Should he run from the rumors, or come out with the truth about his past.