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How mandated disclosure took over the regulatory landscape—and why it failed Perhaps no kind of regulation is more common or less useful than mandated disclosure—requiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctor's consent form you sign, the pile of papers you get with your mortgage. Reading the terms, the form, and the papers is supposed to equip you to choose your purchase, your treatment, and your loan well. More Than You Wanted to Know surveys the evidence and finds that mandated disclosure rarely works. But how could it? Who reads these disclosures? Who understands them? Who uses them to make better choices? Omri Ben-Shahar and Carl Schneider put the regulatory problem in human terms. Most people find disclosures complex, obscure, and dull. Most people make choices by stripping information away, not layering it on. Most people find they can safely ignore most disclosures and that they lack the literacy to analyze them anyway. And so many disclosures are mandated that nobody could heed them all. Nor can all this be changed by simpler forms in plainer English, since complex things cannot be made simple by better writing. Furthermore, disclosure is a lawmakers' panacea, so they keep issuing new mandates and expanding old ones, often instead of taking on the hard work of writing regulations with bite. Timely and provocative, More Than You Wanted to Know takes on the form of regulation we encounter daily and asks why we must encounter it at all.
Offers a look at the causes and effects of poverty and inequality, as well as the possible solutions. This title features research, human stories, statistics, and compelling arguments. It discusses about the world we live in and how we can make it a better place.
A thoughtful analysis of how our world's borders came to be and why we may be emerging from a lengthy period of "cartographical stasis" What is a country? While certain basic criteria--borders, a government, and recognition from other countries--seem obvious, journalist Joshua Keating's book explores exceptions to these rules, including self-proclaimed countries such as Abkhazia, Kurdistan, and Somaliland, a Mohawk reservation straddling the U.S.-Canada border, and an island nation whose very existence is threatened by climate change. Through stories about these would-be countries' efforts at self-determination, as well as their respective challenges, Keating shows that there is no universal legal authority determining what a country is. He argues that although our current world map appears fairly static, economic, cultural, and environmental forces in the places he describes may spark change. Keating ably ties history to incisive and sympathetic observations drawn from his travels and personal interviews with residents, political leaders, and scholars in each of these "invisible countries."
An innovative account of how thousands of acts of parliament sought to improve economic activity during the early industrial revolution.
This book argues that independent courts can defend democracy by encouraging political elites to more prudently exercise their powers.
Big data are changing the way we work. This book conveys a theoretical understanding of big data and the related interactions on a socio-technological level as well as on the organizational level. Big data challenge the human resource department to take a new role. An organization's new competitive advantage is its employees augmented by big data.