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The 2nd edition of this book covers the entire question papers from 2007 to 2018 of JK PSC. The explanations to these questions have been provided in such a manner that they cover NEET exams, AIIMS, PGI, JIPMER, DNB and other important post-graduate exams as well. The inclusion of high yielding facts in the form of NEET EDGE has added a new dimension to this book. The explanation and NEET EDGE have been updated based on latest guidelines and updates. In addition, important expected question for NEET and PSC have been added to make book more useful. In this edition two senior faculty members from prestigious Sher-I -Kashmir Institute of medical sciences, Dr. Cimona L Saldhana and Dr. Muzzafer...
This paper analyses structural and cyclical determinants of banking profitability in 16 Western European countries. We find that financial structure matters, particularly through the beneficial effect of the capital market orientation in the respective national financial system. Furthermore, higher diversification regarding banks' income sources shows a positive effect. The industry concentration of national banking systems, though, does not significantly affect aggregate profitability. Business cycle effects, in particular lagged GDP growth, display a substantial procyclical impact on bank profits. These results are obtained in a single equation panel framework using the Hausman-Taylor instrument variable estimator. The data set comprises aggregate annual country data and banking group data (commercial banks, cooperative banks and savings banks) over the period 1979-2003.
This book collects the publications of the special Topic Scientific advances in STEM: from Professor to students. The aim is to contribute to the advancement of the Science and Engineering fields and their impact on the industrial sector, which requires a multidisciplinary approach. University generates and transmits knowledge to serve society. Social demands continuously evolve, mainly because of cultural, scientific, and technological development. Researchers must contextualize the subjects they investigate to their application to the local industry and community organizations, frequently using a multidisciplinary point of view, to enhance the progress in a wide variety of fields (aeronaut...
Clinical psychologist and author of The Defining Decade, Meg Jay takes us into the world of the supernormal: those who soar to unexpected heights after childhood adversity. Whether it is the loss of a parent to death or divorce; bullying; alcoholism or drug abuse in the home; mental illness in a parent or a sibling; neglect; emotional, physical or sexual abuse; having a parent in jail; or growing up alongside domestic violence, nearly 75% of us experience adversity by the age of 20. But these experiences are often kept secret, as are our courageous battles to overcome them. Drawing on nearly two decades of work with clients and students, Jay tells the tale of ordinary people made extraordina...
This textbook introduces the reader to the new and emerging field of Conservation Psychology, which explores connections between the study of human behavior and the achievement of conservation goals. People are often cast as villains in the story of environmental degradation, seen primarily as a threat to healthy ecosystems and an obstacle to conservation. But humans are inseparable from natural ecosystems. Understanding how people think about, experience, and interact with nature is crucial for promoting environmental sustainability as well as human well-being. The book first summarizes theory and research on human cognitive, emotional, and behavioral responses to nature and goes on to review research on people's experience of nature in wild, managed, and urban settings. Finally, it examines ways to encourage conservation-oriented behavior at both individual and societal levels. Throughout, the authors integrate a wide body of published literature to demonstrate how and why psychology is relevant to promoting a more sustainable relationship between humans and nature.
We estimate the effects of Wal-Mart stores on county-level retail employment and earnings, accounting for endogeneity of the location and timing of Wal-Mart openings that most likely biases the evidence against finding adverse effects of Wal-Mart stores. We address the endogeneity problem using a natural instrumental variables approach that arises from the geographic and time pattern of the opening of Wal-Mart stores, which slowly spread out from the first stores in Arkansas. The employment results indicate that a Wal-Mart store opening reduces county-level retail employment by about 150 workers, implying that each Wal-Mart worker replaces approximately 1.4 retail workers. This represents a 2.7 percent reduction in average retail employment. The payroll results indicate that Wal-Mart store openings lead to declines in county-level retail earnings of about $1.4 million, or 1.5 percent. Of course, these effects occurred against a backdrop of rising retail employment, and only imply lower retail employment growth than would have occurred absent the effects of Wal-Mart.
"Illustrated in a cartoon-like style in watercolor paint and mixed media on paper, this picture book is an invitation for teachers and students to learn about the climate crisis and to be part of the solution." —School Library Journal An environmental picture book about finding your voice, taking collective action, and saving the planet for kids ages 5 - 9. Tantrums are bad--except when they save the world! Sophia’s minding her own business when--bing bong!--the doorbell announces an unexpected guest: a polar bear. Despite Sophia’s protests, he walks right in, making himself at home. His ice cap is melting--where else is he supposed to go? Soon, more visitors arrive: a dispirited sea t...
Denmark has drawn much attention for its active labor market policies, but is almost unique in offering a voluntary public unemployment insurance program requiring a significant premium payment. A safety net program -- a less generous, means-tested social assistance plan -- completes the system. The voluntary system emerged as one of many European “Ghent systems,” essentially government subsidized trade union plans, but has since lost many key features of such plans. We assess system performance using a 10% sample of the Danish population drawn from administrative data. Coverage rates for the voluntary programs are surprisingly high, approximately 80 percent of the workforce, but the program has predictable selection effects, including adverse selection across risk classes and a substantial charity hazard (low coverage among those with generous treatment under the safety net program). The latter appears to explain the difficulty of shifting to a compulsory system; redistribution effects would be concentrated among the previously uninsured in the lowest decile of the income distribution, a problem in the Danish welfare state.