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You know when you have a dream, and it seems impossible, so close, that you can grab it in front of you, but so far, maybe even a million miles away?......That’s what happened to Velvet Sylberry. Velvet was a passionate girl, living with her noisy family in Oakwood House. It had always been her dream to become a music teacher. When Velvet received a letter from the world class Melody Music School to audition, she was ecstatic, and felt like she was on top of the world! Little did she know that pressure, distractions, illnesses and friendship issues will always try to block her way... Will Velvet manage to hold her dream? Or will it shatter into a billion pieces? This is Vanilla Velvet, Velvet’s tasty and pressurised story….
Apa kabar pembaca Pastry&Bakery, Tak letih bagi para pelaku bisnis makanan dan minuman untuk berkreasi menghasilkan produk-produk terbaik untuk ditawarkan kepada konsumennya. Berbagai produk klasik hingga kreasi terbaru dengan paduan berbagai bahan disajikan untuk menarik konsumen. Tak hanya tampilan yang diutamakan, tapi juga segi rasa menjadi salah satu daya tarik. Konsumen juga berubah, selain memiliki konsumen yang fanatik atau sudah kenal dengan produk, makin banyak tumbuh konsumen baru dari generasi milenial. Generasi milenial makin tahu banyak info, karena sudah terbiasa terpapar dengan mudahnya mencari informasi, namun mereka juga salah satu konsumen yang loyal dan mampu merekomendas...
This book is written to empower risk professionals to turn analytics and models into deployable solutions with minimal IT intervention. Corporations, especially financial institutions, must show evidence of having quantified credit, market and operational risks. They have databases but automating the process to translate data into risk parameters remains a desire.Modelling is done using software with output codes not readily processed by databases. With increasing acceptance of open-source languages, database vendors have seen the value of integrating modelling capabilities into their products. Nevertheless, deploying solutions to automate processes remains a challenge. While not comprehensive in dealing with all facets of risks, the author aims to develop risk professionals who will be able to do just that.
High household wealth is often cited as a key strength of the Italian economy. Both in absolute terms and relative to income, the Italian household sector is wealthier than most euro area peers. A sizable fraction of this wealth is held by the rich and upper middle classes. This paper documents the changes in the Italian household sector’s financial wealth over the past two decades, by constructing the matrix of bilateral financial sectoral exposures. Households became increasingly exposed to the financial sector, which in turn was exposed to the highly indebted real and government sectors. The paper then simulates different financial shocks to gauge the ability of the household sector to absorb losses. Simple illustrative calculations are presented for a fall in the value of government bonds as well as for bank bail-ins versus bailouts.
Lady Caroline Linford is horrified to discover... her fiancé, the Marquis of Winchilsea, in the arms of another woman. Unfortunately, Victorian society considers such masculine peccadilloes a trifle; canceling their imminent wedding would be unthinkable. But Caroline's wish is for the man she is to marry to desire only her...and she seeks lessons in the art of romance from the best teacher: London's most notorious rake. Braden Granville may be a famous lover... but he has no intention of taking part in Caroline's scheme -- until he learns she has something he wants: the name of his own unfaithful fiancée's lover. As their passionate tutelage begins, sparks fly -- and the lines between teacher and student fall away. Now there is just one last lesson to learn: on the subject of true love, the heart chooses its own unpredictable ways.
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Corporate social responsibility (CSR) has become an increasingly heated topic since the 1980s. This title proposes that the concept of Corporate Social Irresponsibility (CSI) offers a better theoretical platform to avoid the vagueness, ambiguity, arbitrariness and mysticism of CSR.
An analytical survey of the music of Carl Vine.
A stunning memoir of an intercultural marriage gone wrong When Susan, a shy Midwesterner in love with Chinese culture, started graduate school in Hong Kong, she quickly fell for Cai, the Chinese man of her dreams. As they exchanged vows, Susan thought she'd stumbled into an exotic fairy tale, until she realized Cai—and his culture—where not what she thought. In her riveting memoir, Susan recounts her struggle to be the perfect traditional "Chinese" wife to her increasingly controlling and abusive husband. With keen insight and heart-wrenching candor, she confronts the hopes and hazards of intercultural marriage, including dismissing her own values and needs to save her relationship and protect her newborn son, Jake. But when Cai threatens to take Jake back to China for good, Susan must find the courage to stand up for herself, her son, and her future. Moving between rural China and the bustling cities of Hong Kong and San Francisco, Good Chinese Wife is an eye-opening look at marriage and family in contemporary China and America and an inspiring testament to the resilience of a mother's love—across any border.
Just like the Gutenberg revolution in the fifteenth century, which led to the emergence of non-conventional religious authority in the Christian world, the current information technology revolution, particularly through mediums such as Facebook, Instagram, YouTube, and Twitter, has triggered the re-construction and decentralization of religious authority in Islam. New santri (pious individuals) and preachers emerged from the non-conventional religious educational system. They not only challenged the traditional authorities, but also redefine and re-conceptualize old religious terminologies, such as hijra and wasatiyya. This book explores the dynamics of religious authority in Indonesia with ...