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Why stable banking systems are so rare Why are banking systems unstable in so many countries—but not in others? The United States has had twelve systemic banking crises since 1840, while Canada has had none. The banking systems of Mexico and Brazil have not only been crisis prone but have provided miniscule amounts of credit to business enterprises and households. Analyzing the political and banking history of the United Kingdom, the United States, Canada, Mexico, and Brazil through several centuries, Fragile by Design demonstrates that chronic banking crises and scarce credit are not accidents. Calomiris and Haber combine political history and economics to examine how coalitions of politicians, bankers, and other interest groups form, why they endure, and how they generate policies that determine who gets to be a banker, who has access to credit, and who pays for bank bailouts and rescues. Fragile by Design is a revealing exploration of the ways that politics inevitably intrudes into bank regulation.
Book 2 of The Bells of Lowell. The mill town of Lowell, Massachusetts, beckons Arabella Newberry when she decides to flee the life of the Shakers. There she finds the independence she seeks and a greater purpose as she works for educational reform. But Lowell, plagued by ethnic strife, seems no longer a safe haven but rather a danger when several girls go missing. As rumors and conflict invade the industry of the mill, Arabella struggles with her own heart as two men vie for her love.
*A National Bestseller* From the internationally bestselling artist Kerby Rosanes, an extraordinary coloring book celebrating some of the incredible animals and landscapes that are disappearing around the globe Fragile World is a coloring book to savor, exploring fifty-six endangered, vulnerable, and threatened animals and landscapes—from the Tapanuli orangutan to the hawksbill turtle, from Philippine bat caves to the Baltic Sea. The illustrations are intricate, detailed, and unforgettable, both magisterial and whimsical. And the result is a stunning tribute to Mother Nature. Fragile World is a coloring experience that is at once vintage Kerby and unlike any other.
A thrilling novel from New York Times bestselling author Lisa Unger about the hunt for a missing girl and one community’s intricate yet fragile bonds. “[A] nail-biting nuanced whodunit.”—People Everybody knows everybody in The Hollows, a quaint, charming town outside of New York City. It’s a place where neighbors keep an eye on one another’s kids, where people say hello in the grocery store, and where high school cliques and antics are never quite forgotten. As a child, Maggie found living under the microscope of small-town life stifling. But as a wife and mother, she has happily returned to The Hollows’s insular embrace. As a psychologist, her knowledge of family histories provides powerful insights into her patients’ lives. So when the girlfriend of her teenage son, Rick, disappears, Maggie’s intuitive gift proves useful to the case—and also dangerous. Eerie parallels soon emerge between Charlene’s disappearance and the abduction of another local girl that shook the community years ago when Maggie was a teenager. The investigation has her husband, Jones, the lead detective on the case, acting strangely. Rick, already a brooding teenager, becomes even more withdrawn. In a town where the past is always present, nobody is above suspicion, not even a son in the eyes of his father. As she tries to reassure him that Rick embodies his father in all of the important ways, Maggie realizes this might be exactly what Jones fears most. Determined to uncover the truth, Maggie pursues her own leads into Charlene’s disappearance and exposes a long-buried town secret—one that could destroy everything she holds dear.
There’s only one thing more dangerous than family secrets. Since her police-officer husband Eric’s mysterious murder, Carly Harris has been struggling to support herself and their infant son. Her career as an antique dealer isn’t sustainable, nor is her dream of becoming a novelist. So when her grandmother proposes she and her two sisters restore the family’s large Beaufort home and turn it into a bed-and-breakfast, she immediately gets to work clearing out the house. In the process, she uncovers a family secret that Eric kept hidden. And an heirloom that the wrong person wouldn’t hesitate to kill for. Homicide detective Lucas Bennett isn’t his neighbor’s biggest fan, not since she broke his brother’s heart years ago. But when Carly turns to Lucas for help, believing she’s found a lost Fabergé egg that would be worth millions and that could put her family’s lives in danger, he can’t help but get involved. Soon, they’re entangled in a mystery with threads that lead all the way to the Russian mafia. Lucas has gotten in deep, and while he trusts his ability to keep Carly and her family safe, he begins to realize he’s vulnerable to an unexpected kind of danger. And he’s helpless to stop the freefall. As they continue working closely together, Carly and Lucas realize they may have found something more precious than gold. Yet it’s only a matter of time before Carly—or, worse, someone she loves—gets hurt. Contemporary romantic suspense Stand-alone novel Book length: approximately 90,000 words Includes discussion questions for book clubs
The purpose of this note is to provide a framework for improving tax policy design in fragile and conflict-affected states, which face political and institutional constraints. This note begins with an overview of experiences in revenue mobilization in fragile states, including relative to other country groups—in particular, nonfragile states and formerly fragile states; that is, countries that exited fragility during the period under study. A discussion follows of how the principles of tax policy design should be applied in fragile states, particularly the relative importance of the revenue objective vis-à-vis other objectives, such as equity and efficiency. The two sections that follow provide guidance on tax policy design in the emergency and consolidation phases, respectively, and discuss how governments can use tax policy to transition from one phase to another, eventually overcoming fragility. The note concludes with key lessons and a set of guiding principles for tax reform in fragile states.
As more companies move toward microservices and other distributed technologies, the complexity of these systems increases. You can't remove the complexity, but through Chaos Engineering you can discover vulnerabilities and prevent outages before they impact your customers. This practical guide shows engineers how to navigate complex systems while optimizing to meet business goals. Two of the field's prominent figures, Casey Rosenthal and Nora Jones, pioneered the discipline while working together at Netflix. In this book, they expound on the what, how, and why of Chaos Engineering while facilitating a conversation from practitioners across industries. Many chapters are written by contributing authors to widen the perspective across verticals within (and beyond) the software industry. Learn how Chaos Engineering enables your organization to navigate complexity Explore a methodology to avoid failures within your application, network, and infrastructure Move from theory to practice through real-world stories from industry experts at Google, Microsoft, Slack, and LinkedIn, among others Establish a framework for thinking about complexity within software systems Design a Chaos Engineering program around game days and move toward highly targeted, automated experiments Learn how to design continuous collaborative chaos experiments
Globalism has sharpened the urban/rural divide in 21st century Turkish elections