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This study provides a comprehensive analysis of credit rating economics and draws conclusions on the nature of regulation. It starts with an overview of the credit rating industry and introduces a framework that structures multiple rating agency functions. At the heart of the credit rating business model lies the reputation mechanism, which is analyzed in detail. After analyzing the reputation mechanism, the study takes a wider look at the ind...

Little Billie Schultz was born to a poor, religious Catholic family with five brothers and a sister. They went to church ever Sunday and religious day, and prayed before and after meals, and evenings when his mother declared, "The family that prays together, stays together." Billie learned the differences between right and wrong and steadfastly adhered to his teachings. However, the Churches themselves became a quandary that his curiosity coul...

Anybody who manages or sits on the board of a nonprofit organization will find great insight in this book on the four pillars of leadership. " John McIlquham, President, NPT Publishing Group, Inc. Does your nonprofit organization suffer from a "non-profit mentality?" Are you too preoccupied with daily challenges to focus on your mission, build your vision, nurture relationships with constituents, and - last but not least - create a positive op...

By 2016, the International Space Station will face retirement. What then? When colonizing space, NASA blazes the trails, but private industry must build the roads. For common citizens to inhabit space, there must be a station in near Earth orbit, only 400 miles high, where dedicated commercial activities can take place. It will be a hub of commerce where industrial scientists can perform chemistry and biology, tourist can have lavish vacations...

Several years ago I was on a plane flying to Europe to work on building the distribution network for our family business. As we were flying over the Atlantic, I was finishing my dinner and watching the first movie of the flight when the pilot came on with a standard announcement that frequent fliers hear all the time: "Ladies and gentlemen, I have had to illuminate the 'fasten seat belt' sign because we are getting indications there will be so...

The Governor of the Commonwealth of Massachusetts finds himself embroiled in a messy, high stakes, politically charged, divorce case where he is pitted against Attorney Ted Eldridge, a lawyer whom he has alienated in the past and who now seeks to bring the Governor down. Genetic markers raise the question of paternity of Danny, the twelve year old child of the Governor and his wife Emily, who herself is battling her own demons. As the case unf...

My tribulations, I talk about during my journey are like the stories countless others experienced during the Great Migration period from the South to the North. What so many took for granted, so few were able to realize. I am convinced that each of our lives has a purpose and I say this because what I experienced was what God had planned for me. God has placed me in the position to help others as I have been helped by others. The people I have...

My tribulations, I talk about during my journey are like the stories countless others experienced during the Great Migration period from the South to the North. What so many took for granted, so few were able to realize. I am convinced that each of our lives has a purpose and I say this because what I experienced was what God had planned for me. God has placed me in the position to help others as I have been helped by others. The people I have...

Dr. Brent Dalton's professional and private lives spiral downward when he tests positive for HIV following an accident in the operating room. In rapid sequence, Dalton is sued by a former patient who alleges he infected her with the virus, his hospital privileges are taken away, patient referrals disappear, and he is compelled to close his office and surgical practice. Finally, he begins to have marital problems. Convinced he is not responsibl...

Dr. Brent Dalton's professional and private lives spiral downward when he tests positive for HIV following an accident in the operating room. In rapid sequence, Dalton is sued by a former patient who alleges he infected her with the virus, his hospital privileges are taken away, patient referrals disappear, and he is compelled to close his office and surgical practice. Finally, he begins to have marital problems. Convinced he is not responsibl...

Several years ago I was on a plane flying to Europe to work on building the distribution network for our family business. As we were flying over the Atlantic, I was finishing my dinner and watching the first movie of the flight when the pilot came on with a standard announcement that frequent fliers hear all the time: "Ladies and gentlemen, I have had to illuminate the 'fasten seat belt' sign because we are getting indications there will be so...

Why Do Men Have Nipples? has been written to uncover the truth about human creation and thought processes. The book provides interesting facts and asks thought provoking questions which in many cases makes the reader discard the programming in their computer brain and take a new look at life and re-program the brain. The book contains some points that will make the reader laugh and ask the question why do humans behave the way we do and think ...

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Arrested by the South African Security Police and questioned continuously for days on end, it was clear that the interrogators knew a great deal about me - details of my family, my friends and my habits, but what they did not know was that I was an insomniac - for five days and nights I stayed awake. Detained finally under the notorious 180 days act, I remained in solitary confinement for six months, all alone in a tiny cell except for the coc...

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Turpins Gold is an action adventure story with a touch of a historical novel. You will be treated to an exciting tale of today and an experience of an absorbing time past that will enchant young and old. Our story follows the life of Adam Stone as he moves from London to York in the hope of a new life but his life is about to take a dramatic turn that will lead him on a quest when he finds an old book that entangles his life with the highwayma...

This book is about a loving and warm family who made their home in the area of Tumbling Creek, Virginia in the early 1900s. It brings to life an era long ago, when there was time for porch sitting and visiting with neighbors. When molasses making and taffy pulling parties were the social functions. Ben Jensen was very strict in his ways. He was compassionate toward his family, especially his lovely daughters, Katie and Dolly. Mammy Belle and D...

This book is about a loving and warm family who made their home in the area of Tumbling Creek, Virginia in the early 1900s. It brings to life an era long ago, when there was time for porch sitting and visiting with neighbors. When molasses making and taffy pulling parties were the social functions. Ben Jensen was very strict in his ways. He was compassionate toward his family, especially his lovely daughters, Katie and Dolly. Mammy Belle and D...

Lottery-Tracker is 3-digit fun with a purposeFirst, you can answer some of these fun questions:What 3-digit number fell the most? What 3-digit number fell the least? How many times has your favorite 3-digit number fell?Each 3-digit number from 000 to 999 is in this book. And there are spaces under each number to answer those fun questions for yourself. There are also more fun pages for you.Have some favorite 3-digit numbers you love to play? T...