A history of major financial crises--and how taxpayers have been left with the bill In the 1930s, battered and humbled by the Great Depression, the U.S. financial sector struck a grand bargain with the federal government. Bankers gained a safety net in exchange for certain curbs on their freedom: transparency rules, record-keeping and antifraud measures, and fiduciary responsibilities. Despite subsequent periodic changes in these regulations, the underlying bargain played a major role in preserving the stability of the financial markets as well as the larger economy. By the free-market era of the 1980s and 90s, however, Wall Street argued that rules embodied in New Deal-era regulations to protect consumers and ultimately taxpayers were no longer needed--and government agreed. This engaging history documents the country's financial crises, focusing on those of the 1920s, the 1980s, and the 2000s, and reveals how the two more recent crises arose from the neglect of this fundamental bargain, and how taxpayers have been left with the bill.
Canada's machinery of government is out of joint. In Breaking the Bargain, Donald J. Savoie reveals how the traditional deal struck between politicians and career officials that underpins the workings of our national political and administrative process is today being challenged. He argues that the role of bureaucracy within the Canadian political machine has never been properly defined, that the relationship between elected and permanent government officials is increasingly problematic, and that the public service cannot function if it is expected to be both independent of, and subordinate to, elected officials. While the public service attempts to define its own political sphere, the House of Commons is also in flux: the prime minister and his close advisors wield ever more power, and cabinet no longer occupies the policy ground to which it is entitled. Ministers, who have traditionally been able to develop their own roles, have increasingly lost their autonomy. Federal departmental structures are crumbling, giving way to a new model that eschews boundaries in favour of sharing policy and program space with outsiders. The implications of this functional shift are profound, having a deep impact on how public policies are struck, how government operates, and, ultimately, the capacity for accountability.
From the beloved World Fantasy Award-winning author of Witchmark comes a sweeping, romantic new fantasy set in a world reminiscent of Regency England, where women’s magic is taken from them when they marry. A sorceress must balance her desire to become the first great female magician against her duty to her family. Beatrice Clayborn is a sorceress who practices magic in secret, terrified of the day she will be locked into a marital collar that will cut off her powers to protect her unborn children. She dreams of becoming a full-fledged Magus and pursuing magic as her calling as men do, but her family has staked everything to equip her for Bargaining Season, when young men and women of means descend upon the city to negotiate the best marriages. The Clayborns are in severe debt, and only she can save them, by securing an advantageous match before their creditors come calling. In a stroke of luck, Beatrice finds a grimoire that contains the key to becoming a Magus, but before she can purchase it, a rival sorceress swindles the book right out of her hands. Beatrice summons a spirit to help her get it back, but her new ally exacts a price: Beatrice’s first kiss . . . with her adversary’s brother, the handsome, compassionate, and fabulously wealthy Ianthe Lavan. The more Beatrice is entangled with the Lavan siblings, the harder her decision becomes: If she casts the spell to become a Magus, she will devastate her family and lose the only man to ever see her for who she is; but if she marries—even for love—she will sacrifice her magic, her identity, and her dreams. But how can she choose just one, knowing she will forever regret the path not taken?
ONE OF THE MOST ANTICIPATED BOOKS OF THE YEAR Vogue, O, The Oprah Magazine, Parade, Library Journal, Harper’s Bazaar and more “Profound and affecting.”—Chloe Benjamin “Broken People leads us through the winds of time and memory to offer a riveting portrait of transformation. I am better for having read it.”—Jamie Lee Curtis A groundbreaking, incandescent debut novel about coming to grips with the past and ourselves, for fans of Sally Rooney, Hanya Yanagihara and Garth Greenwell “He fixes everything that’s wrong with you in three days.” This is what hooks Sam when he first overhears it at a fancy dinner party in the Hollywood hills: the story of a globe-trotting shaman who claims to perform “open-soul surgery” on emotionally damaged people. For neurotic, depressed Sam, new to Los Angeles after his life in New York imploded, the possibility of total transformation is utterly tantalizing. He’s desperate for something to believe in, and the shaman—who promises ancient rituals, plant medicine and encounters with the divine—seems convincing, enough for Sam to sign up for a weekend under his care. But are the great spirits the shaman says he’s summoning real at all? Or are the ghosts in Sam’s memory more powerful than any magic? At turns tender and acid, funny and wise, Broken People is a journey into the nature of truth and fiction—a story of discovering hope amid cynicism, intimacy within chaos and peace in our own skin.
From a prominent criminal law professor, a provocative and timely exploration of how plea bargaining prevents true criminal justice reform and how we can fix it—now in paperback When Americans think of the criminal justice system, the image that comes to mind is a trial-a standard courtroom scene with a defendant, attorneys, a judge, and most important, a jury. It's a fair assumption. The right to a trial by jury is enshrined in both the body of the Constitution and the Bill of Rights. It's supposed to be the foundation that undergirds our entire justice system. But in Punishment Without Trial: Why Plea Bargaining Is a Bad Deal, University of North Carolina law professor Carissa Byrne Hessick shows that the popular conception of a jury trial couldn't be further from reality. That bedrock constitutional right has all but disappeared thanks to the unstoppable march of plea bargaining, which began to take hold during Prohibition and has skyrocketed since 1971, when it was affirmed as constitutional by the Supreme Court. Nearly every aspect of our criminal justice system encourages defendants-whether they're innocent or guilty-to take a plea deal. Punishment Without Trial showcases how plea bargaining has undermined justice at every turn and across socioeconomic and racial divides. It forces the hand of lawyers, judges, and defendants, turning our legal system into a ruthlessly efficient mass incarceration machine that is dogging our jails and punishing citizens because it's the path of least resistance. Professor Hessick makes the case against plea bargaining as she illustrates how it has damaged our justice system while presenting an innovative set of reforms for how we can fix it. An impassioned, urgent argument about the future of criminal justice reform, Punishment Without Trial will change the way you view the criminal justice system.
The sizzling first installment in the New York Timesand USA Today bestselling Marriage to a Billionairetrilogy. To save her family home, impulsive bookshop owner Alexa McKenzie, casts a love spell, which conjures up an unexpected visitor - her best friend's older brother and the powerful man who once shattered her heart. Billionaire Nicholas Ryan doesn't believe in marriage, but in order to inherit his father's corporation, he needs a wife and needs one fast. When he discovers his sister's childhood friend is in dire financial straits, he's offers Alexa an interesting proposal... A marriage in name only, the rules? Avoid entanglement. Keep things businesslike. Do notfall in love. The arrangement is only for a year so the rules shouldn't be that hard to follow... Except Fate has a way of upsetting the best laid plans… "Jennifer Probst has proved to be one of the most exciting breakout novelists in the romance genre." - USA Today
"Brenda's Bargain" by Helen Leah Reed is a captivating novel that follows the adventures of Brenda, a resourceful and determined young girl, as she navigates the challenges of life and discovers the true meaning of resilience and friendship. Set in a charming and picturesque town, the story centers around Brenda and her family as they face financial difficulties. When Brenda's father loses his job, the family's financial stability is shaken, and Brenda takes it upon herself to find a way to help. Fueled by her determination and creativity, Brenda embarks on a journey to contribute to the family's income. The novel beautifully portrays Brenda's spirit and ingenuity as she explores various opportunities to earn money. Her determination leads her to unexpected ventures, and along the way, she forms meaningful connections with people in her community. As Brenda takes on different roles and responsibilities, readers are treated to a heartwarming tale of personal growth and the power of perseverance. Helen Leah Reed's writing skillfully captures the essence of Brenda's character, portraying her as a relatable and inspiring protagonist. Brenda's interactions with her family, friends, and the people she meets on her journey are portrayed with authenticity and depth, adding richness to the narrative. One of the central themes of the novel is the importance of empathy and understanding. As Brenda learns about the challenges others face and forms bonds with individuals from various walks of life, she gains a new perspective on the world around her. Her experiences teach her the value of compassion and the impact that even small acts of kindness can have. "Brenda's Bargain" is a heartwarming exploration of resilience, community, and the enduring strength of family bonds. Through Brenda's trials and triumphs, readers are reminded of the significance of determination, the rewards of hard work, and the transformative power of reaching out to others in times of need. In summary, "Brenda's Bargain" is a touching and uplifting novel that captures the spirit of a young girl's journey to make a difference and the profound lessons she learns along the way. Helen Leah Reed's storytelling invites readers to reflect on their own values, relationships, and the ways in which simple acts of kindness can shape lives and create lasting connections.
The third deligtfully undead novel in New York Times bestselling author Michele Bardsley's Broken Heart series. Not just anyone can visit Broken Heart, Oklahoma, especially since all the single moms—like me, Patsy Donahue—have been turned into vampires. I’m forever forty, but looking younger than my years, thanks to my new (un)lifestyle. And even thought most of my customers have skipped town, I still manage to keep my hair salon up and running because of the lycanthropes prowling around. They know how important good grooming is—especially a certain rogue shape-shifter who is as sexy as he is deadly. Now, if only I could put a leash on my wild teenage son. He’s up to his neck in danger. The stress would kill me if I wasn’t already dead. But my maternal instincts are sill alive and kicking, so no one better mess with my flesh and blood.
