Credit to the Community
Credit to the Community

Author: Dan Immergluck

Publisher: Routledge

Published: 2016-07-08

Total Pages: 329

ISBN-13: 131549812X

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This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.

Segregation
Segregation

Author: James H. Carr

Publisher: Routledge

Published: 2008-04-18

Total Pages: 417

ISBN-13: 1135889783

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Segregation: The Rising Costs for America documents how discriminatory practices in the housing markets through most of the past century, and that continue today, have produced extreme levels of residential segregation that result in significant disparities in access to good jobs, quality education, homeownership attainment and asset accumulation between minority and non-minority households. The book also demonstrates how problems facing minority communities are increasingly important to the nation’s long-term economic vitality and global competitiveness as a whole. Solutions to the challenges facing the nation in creating a more equitable society are not beyond our ability to design or implement, and it is in the interest of all Americans to support programs aimed at creating a more just society. The book is uniquely valuable to students in the social sciences and public policy, as well as to policy makers, and city planners.

Group Selection in Predator-Prey Communities. (MPB-9), Volume 9
Group Selection in Predator-Prey Communities. (MPB-9), Volume 9

Author: Michael E. Gilpin

Publisher: Princeton University Press

Published: 2020-03-31

Total Pages: 126

ISBN-13: 0691209464

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Many animals regulate their population density by patterns of behavior that would be easy to explain if the forces of natural selection acted to optimize group properties. But Darwinian selection acts on individuals, not groups, and most simple theories have shown group selection to be too slow ever to oppose individual selection successfully. In this book Michael Gilpin presents a model, based on predator-prey dynamics, wherein nonlinear effects are important, so that small advantages to the selfish individual are nonlinearly amplified into disaster for his group. The result is that group selection can be rapid and powerful. Of course many instances of apparent group selection can be explained by kin selection; in other cases, close examination reveals that seemingly altruistic behavior directly benefits the individual genotype as well as the group. The value of the monograph is that it provides a robust model in which group selection, pure and unadulterated, can be seen to work.

Subprime Cities
Subprime Cities

Author: Manuel B. Aalbers

Publisher: John Wiley & Sons

Published: 2012-04-16

Total Pages: 361

ISBN-13: 1444337769

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Subprime Cities: The Political Economy of Mortgage Markets presents a collection of works from social scientists that offer insights into mortgage markets and the causes, effects, and aftermath of the recent 'subprime' mortgage crisis. Provides an even-handed and detailed analysis of mortgage markets and the recent housing crisis Features contributions from various social scientists with expertise in critical social theories who have assembled and analyzed detailed empirical information Offers a unique and powerful rebuttal to many of the misleading popular explanations of the crisis and its aftermath Reveals how racial minorities and the neighbourhoods inhabited by them are more likely to be targeted by subprime and predatory lenders

US Army in WW2: The Quartermaster Corps: Operations in the War Against Japan
US Army in WW2: The Quartermaster Corps: Operations in the War Against Japan

Author: United States. Congress. House. Committee on Banking and Financial Services

Publisher: Government Printing Office

Published: 2000

Total Pages: 724

ISBN-13:

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Containing the valuable insights of a highly regarded primary care physician, this fully updated sixth edition of this well-established textbook is suitable for nurses, medical students, doctors, and health care administrators who manage medical facilities in Africa. It outlines a method for the thorough physical and neurological examination of the newborn and addresses the parents’ first question “is our baby normal?” It also explains the importance of distinguishing the healthy newborn from the one who is sick and contains numerous photographs to explain various conditions in more detail. Included in this new edition are explanations of the latest methods of care where a gentle approach is used and the nurse is pivotal. It provides the most recent information on infection and notes the reduction of HIV transmission from mother to child. Prolonged breast feeding is encouraged and several methods of breast milk pasteurization are described. It recommends the latest approach to care of premature infants and examines less common disorders that can occur. Valuable for its focus on less common and rare disorders, this guide contains updated information on recent gene discoveries, particularly in musculoskeletal and skin disorders.

Neighborhood Sharks
Neighborhood Sharks

Author: Katherine Roy

Publisher: Roaring Brook Press

Published: 2014-09-30

Total Pages: 48

ISBN-13: 146688083X

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Up close with the ocean's most fearsome and famous predator and the scientists who study them—just twenty-six miles from the Golden Gate Bridge! A few miles from San Francisco lives a population of the ocean's largest and most famous predators. Each fall, while the city's inhabitants dine on steaks, salads, and sandwiches, the great white sharks return to California's Farallon Islands to dine on their favorite meal: the seals that live on the island's rocky coasts. Massive, fast, and perfectly adapted to hunting after 11 million years of evolution, the great whites are among the planet's most fearsome, fascinating, and least understood animals. In the fall of 2012, Katherine Roy visited the Farallons with the scientists who study the islands' shark population. She witnessed seal attacks, observed sharks being tagged in the wild, and got an up close look at the dramatic Farallons—a wildlife refuge that is strictly off-limits to all but the scientists who work there. Neighborhood Sharks is an intimate portrait of the life cycle, biology, and habitat of the great white shark, based on the latest research and an up-close visit with these amazing animals.

Public Affairs Reporting Now
Public Affairs Reporting Now

Author: George Michael Killenberg

Publisher: Taylor & Francis

Published: 2012-07-26

Total Pages: 400

ISBN-13: 1136033211

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Everyday life, no whether the issues or events arise next-door or a continent away, raises questions and concerns that the public counts on journalists to answer and, more important, confront. More than ever before, we all rely on the news media for warnings, explanations and insights. The profession - and society - cannot afford lazy, inept, uncommitted journalists. Today's reporters must learn how to cover public affairs intelligently and thoroughly. First you must learn about the institutions and people who influence the news; understanding how a legislative conference committee functions or how a trial is conducted remain important pre-requisites. But it is not enough merely to know how to report. Journalists must also understand how they see, define and influence the news. Don't be fooled by the daily dose of fluffy stories about fads, fashions or fetishes. People love to revel in celebrity gossip or fantasize about extreme makeovers. But Donald Trump's love life or the South Beach Diet don't satisfy when people worry about a home invasion in their neighborhood or a rezoning proposal to bring a Wal-Mart super center to town or a Department of Education report that their child's school scored bottom-most in reading achievement. Public Affairs Reporting Now is intended to teach you the best practices and give you the best advice for covering what's generically known as "public affairs reporting. It's a term that's neither inspiring nor precise, but it's long been a convenient way of describing the kind of news coverage that keeps people informed as citizens and keeps our institutions, public and private, focused on the public good.