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The ill effects of a baby's exposure to drugs and alcohol while in the womb are demonstrated in this essential reference with cutting-edge information from the fields of medicine, neuroscience, and child psychology. These findings posit that many of the learning and behavior problems seen in children--from poor school performance to patterns of impulsivity often diagnosed as ADHD--are both treatable and preventable. The book first traces the history of fetal malformation back to the time of Aristotle, then presents a resounding call for integrated systems of care for high-risk children and their families. Methods for applying behavior management and treatment techniques are included for health care practitioners, social workers, early childhood intervention specialists, special education teachers, and parents, whether for use at home, at school, or in the clinical setting.
Best friends Taylor and Sierra meet a hot guy in a chat room online. Both fall for Jacob's charms, but as usual, the more outgoing and vivacious Sierra overshadows Taylor and wins his attention. Taylor's devastated--Sierra already kissed Callum, Taylor's secret crush, over the summer holidays. Life's not fair, especially when Sierra's around. Moving quickly, Sierra sets up a date with Jacob on Friday after school. She asks Taylor and their friends to cover for her. Even though she's upset, Taylor is still Sierra's best friend and agrees to help. But Sierra abuses the favour and calls to say she's going to spend the night with her date. She doesn't come home all weekend, doesn't answer her phone and nobody's heard from her. Taylor is torn. She doesn't want to betray Sierra by telling her parents but at the same time she's concerned for her welfare. Finally, Callum convinces her to tell. The police are called and their worst fears are confirmed when Sierra's body is found miles from Melbourne a week later. Devastated, Taylor becomes obsessed with finding Sierra's killer. As clues emerge, Taylor races against time to try to save the predator's next victim.
A step-by-step guidebook for understanding—and implementing—integrated financial risk measurement and management The Fundamentals of Risk Measurement introduces the state-of-the-art tools and practices necessary for planning, executing, and maintaining risk management in today’s volatile financial environment. This comprehensive book provides description and analysis of topics including: Economic capital Risk adjusted return on capital (RAROC) Shareholder Value Added (SVA) Value at Risk (VaR) Asset/liability management (ALM) Credit risk for a single facility Credit risk for portfolios Operating risk Inter-risk diversification The Basel Committee Capital Accords The banking world is driven by risk. The Fundamentals of Risk Measurement shows you how to quantify that risk, outlining an integrated framework for risk measurement and management that is straightforward, practical for implementation, and based on the realities of today’s tumultuous global marketplace. “Banks make money in one of two ways: providing services to customers and taking risks. In this book, we address the business of making money by taking risk....”—From the Introduction In The Fundamentals of Risk Measurement, financial industry veteran Chris Marrison examines what banks must do to succeed in the business of making money by taking risk. Encompassing the three primary areas of banking risk—market, credit, and operational—and doing so in a uniquely intuitive, step-by-step format, Marrison provides hands-on details on the primary tools for financial risk measurement and management, including: Plain-English evaluation of specific risk measurement tools and techniques Use of Value at Risk (VaR) for assessment of market risk for trading operations Asset/liability management (ALM) techniques, transfer pricing, and managing market and liquidity risk The many available methods for analyzing portfolios of credit risks Using RAROC to compare the risk-adjusted profitability of businesses and price transactions In addition, woven throughout The Fundamentals of Risk Measurement are principles underlying the regulatory capital requirements of the Basel Committee on Banking Supervision, and what banks must do to understand and implement them. The requirements are defined, implications of the New Capital Accord are presented, and the major steps that a bank must take to implement the New Accord are discussed. The resulting thumbnail sketch of the Basel Committee, and specifically the New Capital Accord, is valuable as both a ready reference and a foundation for further study of this important initiative. Risk is unavoidable in the financial industry. It can, however, be measured and managed to provide the greatest risk-adjusted return, and limit the negative impacts of risk to a bank’s shareholders as well as potential borrowers and lenders. The Fundamentals of Risk Management provides risk managers with an approach to risk-taking that is both informed and prudent, one that shows operations managers how to control risk exposures as it allows decision-making executives to direct resources to opportunities that are expected to create maximum return with minimum risk. The result is today’s most complete introduction to the business of risk, and a valuable reference for anyone from the floor trader to the officer in charge of overseeing the entire risk management operation.
From the bestselling author of Team of Teams and My Share of the Task, an entirely new way to understand risk and master the unknown. Retired four-star general Stan McChrystal has lived a life associated with the deadly risks of combat. From his first day at West Point, to his years in Afghanistan, to his efforts helping business leaders navigate a global pandemic, McChrystal has seen how individuals and organizations fail to mitigate risk. Why? Because they focus on the probability of something happening instead of the interface by which it can be managed. In this new book, General McChrystal offers a battle-tested system for detecting and responding to risk. Instead of defining risk as a force to predict, McChrystal and coauthor Anna Butrico show that there are in fact ten dimensions of control we can adjust at any given time. By closely monitoring these controls, we can maintain a healthy Risk Immune System that allows us to effectively anticipate, identify, analyze, and act upon the ever-present possibility that things will not go as planned. Drawing on examples ranging from military history to the business world, and offering practical exercises to improve preparedness, McChrystal illustrates how these ten factors are always in effect, and how by considering them, individuals and organizations can exert mastery over every conceivable sort of risk that they might face. We may not be able to see the future, but with McChrystal’s hard-won guidance, we can improve our resistance and build a strong defense against what we know—and what we don't.
At the crossroads of high finance and international terrorism, a son is searching for his father’s killer. . . Robert "Bobby" Astor is a rising New York hedge fund manager on the cusp of making his biggest deal yet. But everything changes when his father, the chairman of the New York Stock Exchange, is killed in a brazen attack on the south lawn of the White House while en route to deliver a terrifying secret to the President. In the wake of the attack, Astor’s business begins to crumble. A cryptic clue leads him deeper into the web of lies surrounding his father's murder, and Astor stumbles onto a sophisticated foreign conspiracy that threatens to wipe out not only Astor's own fund but to destroy the entire foundation of the financial system of the United States.
At the beginning of the twentieth century, H. G. Wells predicted that statistical thinking would be as necessary for citizenship in a technological world as the ability to read and write. But in the twenty-first century, we are often overwhelmed by a baffling array of percentages and probabilities as we try to navigate in a world dominated by statistics. Cognitive scientist Gerd Gigerenzer says that because we haven't learned statistical thinking, we don't understand risk and uncertainty. In order to assess risk -- everything from the risk of an automobile accident to the certainty or uncertainty of some common medical screening tests -- we need a basic understanding of statistics. Astonishingly, doctors and lawyers don't understand risk any better than anyone else. Gigerenzer reports a study in which doctors were told the results of breast cancer screenings and then were asked to explain the risks of contracting breast cancer to a woman who received a positive result from a screening. The actual risk was small because the test gives many false positives. But nearly every physician in the study overstated the risk. Yet many people will have to make important health decisions based on such information and the interpretation of that information by their doctors. Gigerenzer explains that a major obstacle to our understanding of numbers is that we live with an illusion of certainty. Many of us believe that HIV tests, DNA fingerprinting, and the growing number of genetic tests are absolutely certain. But even DNA evidence can produce spurious matches. We cling to our illusion of certainty because the medical industry, insurance companies, investment advisers, and election campaigns have become purveyors of certainty, marketing it like a commodity. To avoid confusion, says Gigerenzer, we should rely on more understandable representations of risk, such as absolute risks. For example, it is said that a mammography screening reduces the risk of breast cancer by 25 percent. But in absolute risks, that means that out of every 1,000 women who do not participate in screening, 4 will die; while out of 1,000 women who do, 3 will die. A 25 percent risk reduction sounds much more significant than a benefit that 1 out of 1,000 women will reap. This eye-opening book explains how we can overcome our ignorance of numbers and better understand the risks we may be taking with our money, our health, and our lives.
After being the victim of an armed robbery, Sean should be terrified but he isn't. He finds he likes the rush that comes from danger and tries to recreate the feeling. But when his risktaking leads him to some of the worst parts of town and he finds himself face-to-face with the original armed robbers, he finds he must do the right thing.
A professional woman with alarming intel on the upper echelons of society is found dead at the side of the road. Dozens of potential suspects include: an Amish man, a mayor and a high-ranking member of the police force!Will Lucille and Nilla be able to crack the case? And will their attempt to do so put their lives in jeopardy? Only time will tell if this is a job too big and too dangerous for one blind woman and her fearless, little Shih Tzu.
The annual Mermaid Festival is the setting for Esme Addison's sunny-yet-sinister second Enchanted Bay mystery, perfect for fans of Heather Blake and Bailey Cates. The small town of Bellamy Bay has its share of skeletons in its closet, but it isn't used to bodies turning up in the local history museum. After all, this coastal North Carolina town is much like any other...except, of course, for the mermaids. Helping to run the family business, an herbal apothecary, while keeping her supernatural secret hidden is no easy feat for water witch Aleksandra Daniels. But somehow she's still found time to help her friend Celeste, who has her own Caribbean mermaid heritage, plan the annual Mermaid Festival. As fun-seekers throng the beaches, Alex gets to know and is intrigued by renowned artist Neve Ryland, who's in town to decorate the local park with a mermaid-themed mural. Celeste, however, is less enamored with the artist, as Neve has been spending entirely too much one-on-one time with her boyfriend Jasper, director of Bellamy Bay's history museum. Then, a reception for Neve ends abruptly when the artist is found dead in his office. When the police investigation nets Celeste, Alex decides to find the true culprit. With the help of her magically-inclined aunt and cousins, Alex dives in to clear her friend's name. But there was more to Neve Ryland than met the eye...and Alex fears she may be in way too deep. Will she catch the crook or be next on the hook?
By avoiding risk, are you also avoiding your life's full potential? Join acclaimed neurosurgeon Dr. Ben Carson as he explores the life-changing power of taking the risk, even if you're afraid. In our risk-avoidant culture, we place a high premium on safety. We insure our vacations. We check crash tests on cars. We extend the warranties on our appliances. But by insulating ourselves from the unknown--the natural risks of life--we miss the great adventure of living our lives to their fullest potential. Dr. Ben Carson spent his childhood as an at-risk child on the streets of Detroit, and he took big risks in performing complex surgeries on the brain and the spinal cord. Now, offering inspiring personal examples, Dr. Carson invites us to embrace risk in our own lives. In Take the Risk, Dr. Carson examines our safety-at-all-costs culture and the meaning of risk and security in our lives. Take the Risk guides you through an extensive examination of risk, including: Risk-taking in history An assessment of the real costs and rewards of risk Learning how to assess and accept risks Understanding how risk reveals the purpose of your life From a man whose life dramatically portrays the connection between great risks and greater successes, the insights Dr. Carson shares in Take the Risk will help you dispel your fear of risk in order to dream big, aim high, move with confidence, and reap the rewards of wise risk-taking. Praise for Take the Risk: "Whether you are a world-renowned neurosurgeon, a CEO, or a teacher, this book applies to anyone who ever wondered about the difference between the pacesetters and those who struggle to keep up. It is the pacesetters who Take the Risk, and this book explains when and why to take risks to empower everyone to become a trailblazer rather than a mere spectator. For anyone who wants to rise above mediocrity, this book is a must-read." --Armstrong Williams, author and radio host, The Armstrong Williams Show