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The ratings are real. One number, 0 to 100, determines your place in society. Earn a high rating, and the world is yours for the taking. But fall to zero, and you may as well cease to exist. Societies thrive on order, and the Rating System is the ultimate symbol of organized social mobility. The higher it soars, the more valued you are. The lower it plummets, the harder you must work to improve yourself. For the students at the prestigious Maplethorpe Academy, every single thing they do is reflected in their ratings, updated daily and available for all to see.But when an act of vandalism sullies the front doors of the school, it sets off a chain reaction that will shake the lives of six special students -- and the world beyond.
Author : United States. Department of the Army Publisher : Unknown Page : 28 pages File Size : 53,7 Mb Release : 1995 Category : Air pilots, Military ISBN : MINN:31951D01161240F
Two teen vigilantes set off on an action-packed investigation to expose corruption and deliver justice in Valiant Ladies, Melissa Grey's YA historical fiction novel inspired by real seventeenth century Latinx teenagers known as the Valiant Ladies of Potosí. By day Eustaquia “Kiki” de Sonza and Ana Lezama de Urinza are proper young seventeenth century ladies. But when night falls, they trade in their silks and lace for swords and muskets, venturing out into the vibrant, bustling, crime-ridden streets of Potosí in the Spanish Empire's Viceroyalty of Peru. They pass their time fighting, gambling, and falling desperately in love with one another. Then, on the night Kiki's engagement to the Viceroy's son is announced, her older brother—heir to her family’s fortune—is murdered. The girls immediately embark on a whirlwind investigation that takes them from the lowliest brothels of Potosí to the highest echelons of the Spanish aristocracy. Praise for Valiant Ladies: “Ana and Kiki are the sword lesbians of my dreams. This is the queer Latina historical fantasy you didn't know you wanted until you got it—and then you'll want more.” —Sam Maggs, author of The Unstoppable Wasp: Built on Hope "Grey’s actionpacked love story offers a fresher, more nuanced take on The Three Musketeers, with a fastpaced plot and well-developed characters... Kiki and Ana are not the traditional demure ladies that swoon at the slightest provocation of violence; rather, they are the vigilante heroines that every patriarchy needs." -- Booklist, starred review “Valiant Ladies brings the remarkable lives of two forgotten women to vivid, riotous life. Delightfully ahistorical, terribly romantic (have you ever shipped sword lesbians harder??), and all steeped in vigilante justice hell-bent on taking down a violent patriarchy—there’s only one word for it: badass.” —Mackenzi Lee, author of the New York Times–bestselling The Gentleman’s Guide to Vice and Virtue
Credit Rating Agencies on the Watch List by Raquel García Alcubilla,Javier Ruiz del Pozo Pdf
Credit rating agencies have been criticized for their role in the financial crisis by understating credit risk. The US subprime mortgage crisis highlighted the systemic relevance of the rating agencies and the deficiencies in their activities; this led to an international consensus to regulate the rating business. Written by those involved in developing European Legislation, this book explains EU Regulation in the context of global initiatives undertaken by the G-20, the Financial Stability Board, and IOSCO to address failures within the rating industry. Through an in-depth analysis of the EU Regulation's requirements on governance, conflicts of interest, methodologies, and transparency, the book provides a clear explanation of how rating agencies operate and how the identified failures have been addressed. Moreover, it examines the supervisory and enforcement powers of ESMA, the EU authority in charge of the registration and oversight of rating agencies. This is complemented with an analysis of guidance from supervisors (ESMA and EBA), IOSCO's recommendations, and US legislation. The book discusses possible new regulatory developments in areas such as the agencies' business model, competition, civil liability, and ratings of sovereign debt, in light of the Euro debt sovereign crisis. It concludes with the authors' support for an enhanced regulatory and oversight coordination at international level and for the implementation of the necessary steps to reduce the existing over-reliance on ratings.
Credit rating agencies play an essential role in the modern financial system and are relied on by creditors and investors on the market. In the recent financial crisis, their power and reliability were often questioned, yet a simple rating downgrade could threaten to bankrupt a whole country. This book examines the governance of credit rating agencies, as expressed by their ability to fairly, ethically and consistently assign higher rates to issuers having lesser default risks. However, factors such as the drive for increased revenue and market share, the inadequate business model, the inadequate methodology of assessing risk, opacity and inadequate internal monitoring have all been identified as critical governance failures for credit agencies. This book explores these issues, and proposes some potential solutions and improvements. This will be of interest to researchers and advanced students of corporate finance, finance, financial economics, risk management, investment management, and banking.
United States. Congress. Senate. Committee on Energy and Natural Resources. Subcommittee on Energy Regulation and Conservation
Author : United States. Congress. Senate. Committee on Energy and Natural Resources. Subcommittee on Energy Regulation and Conservation Publisher : Unknown Page : 228 pages File Size : 44,9 Mb Release : 1990 Category : Dwellings ISBN : PSU:000016128118
Residential Energy Efficiency Ratings Act by United States. Congress. Senate. Committee on Energy and Natural Resources. Subcommittee on Energy Regulation and Conservation Pdf
A 2019 National Book Award for Young People’s Literature Longlist Selection A 2019 New York Public Library Best Books for Kids A 2020 Tayshas Reading List Selection A 2020 Maverick Graphic Novel Reading List Selection Mads is pretty happy with her life. She goes to church with her family, and minor league baseball games with her dad. She goofs off with her best friend Cat, and has thus far managed to avoid getting kissed by Adam, the boy next door. It's everything she hoped high school would be... until all of a sudden, it's not. Her dad is hiding something big—so big it could tear her family apart. And that’s just the beginning of her problems: Mads is starting to figure out that she doesn't want to kiss Adam... because the only person she wants to kiss is Cat. Kiss Number 8, a graphic novel from writer Colleen AF Venable and illustrator Ellen T. Crenshaw, is a layered, funny, sharp-edged story of teen sexuality and family secrets.
The hegemony of finance compels a new orientation for everyone and everything: companies care more about the moods of their shareholders than about longstanding commercial success; governments subordinate citizen welfare to appeasing creditors; and individuals are concerned less with immediate income from labor than appreciation of their capital goods, skills, connections, and reputations. That firms, states, and people depend more on their ratings than on the product of their activities also changes how capitalism is resisted. For activists, the focus of grievances shifts from the extraction of profit to the conditions under which financial institutions allocate credit. While the exploitation of employees by their employers has hardly been curbed, the power of investors to select investees — to decide who and what is deemed creditworthy — has become a new site of social struggle. In clear and compelling prose, Michel Feher explains the extraordinary shift in conduct and orientation generated by financialization. Above all, he articulates the new political resistances and aspirations that investees draw from their rated agency.
What happens when you live longer than you wanted to? Parvin Blackwater wanted to die, but now she's being called to be a leader. The only problem is, no one wants to follow. The Council uses Jude's Clock-matching invention to force "new-and-improved" Clocks on the public. Those who can't afford one are packed into boxcars like cattle and used for the Council's purposes. Parvin and Hawke find themselves on a cargo ship of Radicals headed out to sea. What will the Council do to them? And why are people suddenly dying before their Clocks have zeroed-out?
United States. Congress. House. Committee on Interstate and Foreign Commerce. Subcommittee on Consumer Protection and Finance
Author : United States. Congress. House. Committee on Interstate and Foreign Commerce. Subcommittee on Consumer Protection and Finance Publisher : Unknown Page : 108 pages File Size : 51,5 Mb Release : 1976 Category : Municipal bonds ISBN : UOM:39015081221890
Municipal Bonds Rating Regulation by United States. Congress. House. Committee on Interstate and Foreign Commerce. Subcommittee on Consumer Protection and Finance Pdf
“Will make many readers smile with recognition.”—The New Yorker “Readaholics, meet your new best friend.”—People “This book is bliss.”—The Boston Globe Sometimes subtle, sometimes striking, the interplay between our lives and our books is the subject of this unique memoir by well-known publishing correspondent and self-described “readaholic” Sara Nelson. The project began as an experiment with a simple plan—fifty-two weeks, fifty-two books—that fell apart in the first week. It was then that Sara realized the books chose her as much as she chose them, and the rewards and frustrations they brought were nothing she could plan for. From Solzhenitsyn to Laura Zigman, Catherine M. to Captain Underpants, the result is a personal chronicle of insight, wit, and enough infectious enthusiasm to make a passionate reader out of anybody.
Author : Nwogugu, Michael I. C. Publisher : IGI Global Page : 320 pages File Size : 49,8 Mb Release : 2021-05-07 Category : Business & Economics ISBN : 9781799874201
Complex Systems and Sustainability in the Global Auditing, Consulting, and Credit Rating Agency Industries by Nwogugu, Michael I. C. Pdf
Current and future issues in the global accounting/consulting, business opportunity, and credit rating agency (CRA) industries can have significant multiplier-effects on international trade, sustainable growth, and compliance (as physical phenomena). These three industries are among the most international and human-capital-intensive of all service industries. In these industries, analysis of business models and industry dynamics can provide insights about how human-computer interaction (HCI) and contract theory affect the evolution of financial market ecosystems and cross-border information flows, and how business models, work-allocation mechanisms, and liability allocation can evolve to manage change. An often-overlooked issue is that non-performing loans (NPLs), sustainability, and CRA efficiency can be significantly affected by business processes, corporate strategy, and HCI in industry ecosystems, multinational corporations (MNCs), and economic systems. Complex Systems and Sustainability in the Global Auditing, Consulting, and Credit Rating Agency Industries compares these three industries and introduces theories of public policy and “inter-business” processes. The book links industry structure, complex systems (including networks), behavioral game theory, structural changes, and antitrust problems to sustainability and the efficiency of pollution-remediation systems. The book introduces new “informal algorithms” and business/resource-allocation models that solve social-choice problems, and also contravene “impossibility theorems” that are at the core of modern computer science and mechanism design. This book is essential for professors and masters/PhD-level students and employees (in industry, financial services, research institutes, consulting firms, and government agencies) who are interested in industrial mathematics and theoretical computer science.
Regulating Credit Rating Agencies by Aline Darbellay, Pdf
øŠAline Darbellay analyzes the obvious system relevance of credit rating agencies in depth and assesses the possible options for regulatory responses to this systemic issue. Thereby, the book is based on a fruitful comparative legal approach and formul
