Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice
(abridged and revised) This reference grammar offers intermediate and advanced students a reason ably comprehensive guide to the morphology and syntax of educated speech and plain prose in Spain and Latin America at the end of the twentieth century. Spanish is the main, usually the sole official language of twenty-one countries,} and it is set fair to overtake English by the year 2000 in numbers 2 of native speakers. This vast geographical and political diversity ensures that Spanish is a good deal less unified than French, German or even English, the latter more or less internationally standardized according to either American or British norms. Until the 1960s, the criteria of internationally correct Spanish were dictated by the Real Academia Espanola, but the prestige of this institution has now sunk so low that its most solemn decrees are hardly taken seriously - witness the fate of the spelling reforms listed in the Nuevas normas de prosodia y ortograjia, which were supposed to come into force in all Spanish-speaking countries in 1959 and, nearly forty years later, are still selectively ignored by publishers and literate persons everywhere. The fact is that in Spanish 'correctness' is nowadays decided, as it is in all living languages, by the consensus of native speakers; but consensus about linguistic usage is obviously difficult to achieve between more than twenty independent, widely scattered and sometimes mutually hostile countries. Peninsular Spanish is itself in flux.
In this entertaining and groundbreaking book, Dr. Paul Pimsleur, creator of the renowned Pimsleur Method, the world leader in audio-based language learning, shows how anyone can learn to speak a foreign language. If learning a language in high school left you bruised, with a sense that there was no way you can learn another language, How to Learn a Foreign Language will restore your sense of hope. In simple, straightforward terms, Dr. Pimsleur will help you learn grammar (seamlessly), vocabulary, and how to practice pronunciation (and come out sounding like a native). The key is the simplicity and directness of Pimsleur’s approach to a daunting subject, breaking it down piece by piece, demystifying the process along the way. Dr. Pimsleur draws on his own language learning trials and tribulations offering practical advice for overcoming the obstacles so many of us face. Originally published in 1980, How to Learn a Foreign Language is now available on the 50th anniversary of Dr. Pimsleur’s publication of the first of his first audio courses that embodied the concepts and methods found here. It's a fascinating glimpse into the inner workings of the mind of this amazing pioneer of language learning.
Making Luis de Góngora’s work available to contemporary English-language readers without denying his historical context, Selected Poems of Luis de Góngora presents him as not only one of the greatest and most complex poets of his time, but also the funniest and most charismatic. From longer works, such as “The Fable of Polyphemus and Galatea,” to shorter ballads, songs, and sonnets, John Dent-Young’s free translations capture Góngora’s intensely musical voice and transmit the individuality and self-assuredness of the poet. Substantial introductions and extensive notes provide personal and historical context, explain the ubiquitous puns and erotic innuendo, and discuss translation choices. A significant edition of this seminal and challenging poet, Selected Poems of Luis de Góngora will find an eager audience among students of poetry and scholars studying the history and literature of Spain.
Captivating and action-packed, From Blood and Ash is a sexy, addictive, and unexpected fantasy perfect for fans of Sarah J. Maas and Laura Thalassa. A Maiden… Chosen from birth to usher in a new era, Poppy’s life has never been her own. The life of the Maiden is solitary. Never to be touched. Never to be looked upon. Never to be spoken to. Never to experience pleasure. Waiting for the day of her Ascension, she would rather be with the guards, fighting back the evil that took her family, than preparing to be found worthy by the gods. But the choice has never been hers. A Duty… The entire kingdom’s future rests on Poppy’s shoulders, something she’s not even quite sure she wants for herself. Because a Maiden has a heart. And a soul. And longing. And when Hawke, a golden-eyed guard honor bound to ensure her Ascension, enters her life, destiny and duty become tangled with desire and need. He incites her anger, makes her question everything she believes in, and tempts her with the forbidden. A Kingdom… Forsaken by the gods and feared by mortals, a fallen kingdom is rising once more, determined to take back what they believe is theirs through violence and vengeance. And as the shadow of those cursed draws closer, the line between what is forbidden and what is right becomes blurred. Poppy is not only on the verge of losing her heart and being found unworthy by the gods, but also her life when every blood-soaked thread that holds her world together begins to unravel. Reviews for From Blood and Ash: "Dreamy, twisty, steamy escapism. Take me back!" -New York Times bestseller Wendy Higgins “Jennifer Armentrout has the power to control my emotions with every word she writes. From swooning to crying to racing through the pages to find out what happens next, I couldn't stop reading about Hawke and Poppy, and you won't be able to either.” - Brigid Kemmerer, New York Times Bestselling Author of A Curse So Dark and Lonely “Action, adventure, sexiness, and angst! From Blood and Ash has it all and double that. So many feels and so many moments it made me cheer for the character. Read. This. Book! You'll be obsessed!” - Tijan NYT bestselling author “From Blood and Ash is a phenomenal fantasy novel that is filled to the brim with danger, mystery and heart melting romance. I loved every single second of it and I couldn’t get enough of this new fantastical world. A heart stopping start to what is clearly going to be a stunning series, perfect for both those who love fantasy and those who are new to the genre. A must read.” Kayleigh, K-Books "If you think you are ready for From Blood and Ash, think again. Jennifer L. Armentrout has woven a new fantasy universe that will leave you reeling. Filled with action, heart wrenching twists and the most delicious romance, this unputdownable novel comes with a warning: keep a fan close by, because the temperatures are about to rise." Elena, The Bibliotheque Blo “In this exciting new novel by Jennifer L. Armentrout, she introduces a fantastical world filled with immense detail, and characters who are poignant and fierce, Jennifer truly has out done herself!” – BookBesties “From Blood and Ash is a fantastic fantasy that will hook you immediately from the very first page! I loved every single moment and all of the characters are ones you will fall in love with! Jennifer L. Armentrout has done it again with her amazing writing skills and lots of detail! Get this book immediately!!!” - Amanda @Stuck In YA Books “Jennifer has stepped into the fantasy genre with this absolutely amazing novel. With characters you will love and more than a few twists and turns, get ready for one amazing adventure.” -Perpetual Fangirl "This magnificent book has so many pieces in it: fantasy, mystery, forbidden romance, supernatural, lies, deceit, betrayal, love, friendship, family. And so, so, so many secrets your head will be spinning. Jennifer L. Armentrout has created another masterpiece that I will be rushing to buy, and will be telling everyone to read it ASAP!" ~Jeraca @My Nose in YA Books “From Blood to Ash is the first high fantasy book from Jennifer L Armentrout, but hopefully not the last. Like all her other works, her ability to create worlds, create swoon worthy men, and feisty strong female characters is amazing. Fantasy, mystery, romance, betrayal, love, and steamy scenes, this book has it all.” - Lisa @ The Blonde Book Lover “From Blood & Ash is everything we love about JLA’s fantasy writing...pumped up on steroids. There’s epic world building and plot twists, a strong female lead, a swoon worthy book hottie, a steamy forbidden love story, and side characters that can’t help but steal your heart. My mind was blown by the end of this book.” - Kris S. (frantic4romantic) “Step into an exciting new fantasy world by Jennifer L. Armentrout, From Blood And Ash takes you on a fantastic ride with twists and turns galore. Characters you will love to laugh and cry with. A phenomenal start to an exciting new series.” - Lori Dunn an avid reader “From Blood and Ash was everything I wanted in a high fantasy novel. The myths, the legends, the epic romance, and an adventure that will keep you on your toes beginning to end. I couldn’t put the book down. Truly a brilliant start to what I believe will be yet another amazing series by Jennifer L. Armentrout." –Sabrina, Books Are My Life “Jennifer L. Armentrout takes her first step into the high fantasy genre with From Blood and Ash. A story of forbidden love, lies, secrets, and betrayal - it will leave you wanting more after the very last page.” - Love Just Is Books “From Blood and Ash is like reading my favorite book for first time.” - Raquel Herrera “With From Blood and Ash, Jennifer Armentrout successfully takes on the genre of high fantasy, proving, once again, that she is a master of her craft. Filled with epic adventure, forbidden romance, deceit, lies, and betrayal, FB&A draws you in from page one and refuses to let go!” - Erica, The Rest Just Falls Away “Jennifer L. Armentrout comes trough once again with From Blood and Ash as it kept me enthralled throughout the full book. You won't be able to put down this epic story once you start.” - Julalicious Book Paradise “From Blood and Ash strikes the perfect balance between fantasy and romance elements leaving the world feeling live in and full while allowing the relationship between the main characters feeling real and authentic.” - Nads Book Nook, Nadine Bergeron “Be prepared to spend your whole day reading From Blood and Ash. Once you start reading this high fantasy novel, you won't want to put it down.” - Love Book Triangle “From Blood and Ash is absolutely breath taking. JLA does what she does best by creating a fantastical world filled with romance, lies, betrayal, adventure and all things we love and expect from JLA characters that melt our hearts and steal our hearts and souls. I cannot wait for the next one!” - Pia Colon “From Blood and Ash, Jennifer L. Armentrout brought to life a high fantasy that is enthralling. Another masterful addition to my collection. Get ready to stay on your toes from start to end.” - Amy Oh, Reader by the Mountains “From Blood and Ash is the first high fantasy novel by Jennifer L Armentrout and she absolutely nails it. This is fantasy for skeptics and unbelievers because it makes you want to be a fantasy fan! This page turner makes you want to devour it in one night and at the same time savor every detail. Heart stopping and inspiring and grips you from page one.” – Tracy Kirby “An intriguing puzzle of a world, a ruthless hero, a determine heroin, and a plot that will keep you up late, this book is one of the best I've read this year.” – Valerie from Stuck In Books “From Blood and Ash, a thrilling high fantasy that packs a punch, each page will leave you wanting more!” - Tracey, Books & Other Pursuits
India today is a vibrant free-market democracy, a nation well on its way to overcoming decades of widespread poverty. The nation’s rise is one of the great international stories of the late twentieth century, and in India Unbound the acclaimed columnist Gurcharan Das offers a sweeping economic history of India from independence to the new millennium. Das shows how India’s policies after 1947 condemned the nation to a hobbled economy until 1991, when the government instituted sweeping reforms that paved the way for extraordinary growth. Das traces these developments and tells the stories of the major players from Nehru through today. As the former CEO of Proctor & Gamble India, Das offers a unique insider’s perspective and he deftly interweaves memoir with history, creating a book that is at once vigorously analytical and vividly written. Impassioned, erudite, and eminently readable, India Unbound is a must for anyone interested in the global economy and its future.
A year-long study of the writing development of 27 first through third graders in an English/Spanish bilingual program was conducted during the 1980-81 school year. Samples of the children's writing were collected at four intervals, coded for computer tallying, and analyzed in terms of code-switching, spelling, punctuation and segmentation, structural features, stylistic devices, and content. Additionally, the context in which the writing developed was evaluated by classroom observations, teacher interviews, review of familial backgrounds, and a survey of the community language situation. Myths about bilingual language proficiency, biliteracy, bilingual education, teaching writing, and learning to write are all countered by evidence presented in this study. In a discussion of implications, the concept of a whole language approach to writing instruction is supported, in which authentic and functional texts are offered to and produced by children. Examples of the children's writing with appropriate translations are given along with various tables. Informal follow-up information is presented in three epilogues dealing with changes in the researcher's commitment to the study's original writing theories, the writing of some students a year after the study; and a chronological outline of the demise of the bilingual program used in the study. Appendices list interview questions used for teachers and aides and categories for coding the writing data. This book contains 134 references. (ALL)
New from the creators of Captain Underpants, it's Dog Man, the crime-biting canine who is part dog, part man, and ALL COP! George and Harold have created a new hero who digs into deception, claws after crooks, and rolls over robbers. When Greg the police dog and his cop companion are injured on the job, a life-saving surgery changes the course of history, and Dog Man is born. With the head of a dog and the body of a human, this heroic hound has a real nose for justice. But can he resist the call of the wild to answer the call of duty? This new series from Dav Pilkey may use conventional spelling but it is still full of all the same humour and fun of George and Harold's previous graphic novels!
