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The American Mortgage System
Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of fore...
The Future of Housing Finance
Fannie Mae and Freddie Mac, government-sponsored enterprises that played a prominent role in the financial crisis of 2008, and the federal government have come to a crossroads. The government must make key decisions about their structure, and indeed, their very existence. The government has played an important role in the American housing market since the early 1930s, when the Great Depression ushered in housing programs to promote a stable society. The government's role expanded further during the recent housing and financial crisis—Fannie Mae and Freddie Mac now dominate the American housing market, backing more than 62 percent of new mortgages and holding more than $5 trillion in accumu...
Vaccines
This publication contains a number of papers which consider the public health role of vaccines in improving the health of the world's populations, and looks at the challenges of using immunisation to combat emerging and re-emerging diseases. Issues discussed include the innovative use of vaccines against diseases such as meningococcal infection in Africa, Haemophilus influenza type b, varicella, and hepatitis, efforts to develop a new generation of vaccines against cholera and typhoid, shigella and Helicobacter pylori, as well as developments in the quest for vaccines against tuberculosis, HIV/AIDS, dengue, malaria, and hookworm. It also deals with the use of vaccines to fight bioterrorism attacks; regulatory and safety issues; financing issues, impact of health sector reform and the sustainability of immunisation programmes.
Rediscovering Fire
The experiment with socialism in the Soviet Union was based on Marxist economic theory, which denied the universal nature of economic law. The economy became a blank slate, without markets, prices, even without money - for a time. Government had to rediscover fire - learning basics of economics over again. This historical laboratory of social science should be exploited for the lessons in basic economics that it offers. Many view Lenin as a dictator who exploited the peoples of the Soviet Union, betraying the hopes and dreams of socialism for his own benefit. Yet, Lenin wrote hundreds of books on Marxist theory, and the policies he enacted were those he promised. Despite the wealth of inform...
Restructuring Regulation and Financial Institutions
Policy makers around the globe will find that Restructuring Regulation and Financial Institutions offers a cogent assessment of the contemporary regulatory environment in the U.S. financial markets, and a blueprint for action in evolving global financial markets. Financial markets are among the most highly-regulated markets in the world. Nevertheless, financial crises still occur, witness the U.S. savings-and-loan fiasco of the late 1980s and early 1990s, and the Mexican and East Asian Financial implosions of 1994 and 1997. What role does regulation play in stabilizing-or-destabilizing financial markets? Restructuring Regulation and Financial Institutions answers this question with incisive ...
Beyond Advertising
The fundamental relationships among brands, media, and people are being transformed, and just as we try to adapt, along comes a new disruption. Are you and your organization prepared to deal with today’s unprecedented speed and scope of technological change? Beyond Advertising provides a business transformation road map for an aspirational future, based on the insights of more than 200 of the world’s most forward-thinking executives, innovators, and academics all grappling with today’s unique challenges and opportunities. This book offers a concrete set of principles, including The All Touchpoint Value Creation Model, designed to lift us out of reactive thinking and encourage the co-cr...
Transformation of Business Organization Towards Sustainability
We have entered a new era where business, technologies, communities, and even pandemic deceases cross borders with unprecedented speed and intensity. 2030 Agenda and 17 SDGs reflect the global community's high expectations of finally reversing the destruction of our natural and social habits, and achieving a more balanced and equitable pathways toward well-being of all. However, despite the initial efforts, the world is not on track to achieving the most of the 169 targets that comprise the goals. It is evident that we have a system problem, so we need a system solution. Authors presented a hierarchical system consisting of two-level management systems: first level—unsustainability reduction systems and second level—control system for transformations toward sustainability. The book clearly shows that implementation of systems for unsustainability reduction and for transformations toward sustainability is possible, and that sufficient knowledge is available to get started. It is designed for researchers, practitioners, and politicians.
