The competition landscape of finance is changing fast and it has never been so important for the finance industry to truly understand their customers. Customer-Centric Innovation in Finance helps finance and fintech innovators understand customers' behavioural motivations to drive effective product development. Relying on quantitative data is not enough: numbers can be great at telling us what people are doing but they often fail to explain why people do what they do. And if a service doesn't exist yet, there is no data to tell us how people use it. Human insights, behavioural science and qualitative data add immense value to product development. Readers will learn to innovate smarter by getting a firm understanding of why customers like their solutions and how they adapt them to suit their needs. The book presents real-life examples throughout of how customers are changing their behaviour in response to a fast-evolving financial landscape and provides practical advice on how to transform such insights into innovation. It explores how to produce customer insights for services that don't exist yet, for instance Central Bank Digital Currencies (CBDCs). It also provides descriptions of hands-on tools to build new insights and apply them to innovation and of methodologies such as portable kits, personas, digital ethnography, observations and interviews.

This book introduces the foundations of multilevel models, using Monopoly® rent data from the classic board game, and the statistical program Stata®. Widespread experience with the game means many readers have a head start on understanding these models. The small data set, 132 rent values for 22 properties clustered by the four sides of the playing board, combines with extensive graphical displays of data and results so all readers can see core multilevel ideas in action at a granular level. Two chapters on standard statistical models, oneway analysis of variance and multiple regression, help readers see how multilevel models rely on but also extend these monolevel ideas. Chapters present three basic multilevel models for cross-sectional analyses – analysis of variance, analysis of covariance, and random coefficients regression – and one basic developmental model for longitudinal analyses. Troubleshooting guidance, combined with close examination of data patterns, and careful inspection of model parameters, all help readers better grasp what model results mean, when model results should or should not be trusted, and how model results link back to core theoretical questions. Consequently, readers will develop a sense of best practices for building and diagnosing their own multilevel models. Those who complete the volume can readily apply what they have learned to more complex datasets and models, and adapt available online Stata do files to those projects. Any social scientist working with data clustered in time, in space, or in both, and seeking to learn more about how to use, interpret, or teach these models, will find the book useful.

The competition landscape of finance is changing fast and it has never been so important for the finance industry to truly understand their customers. Customer-Centric Innovation in Finance helps finance and fintech innovators understand customers' behavioural motivations to drive effective product development. Relying on quantitative data is not enough: numbers can be great at telling us what people are doing but they often fail to explain why people do what they do. And if a service doesn't exist yet, there is no data to tell us how people use it. Human insights, behavioural science and qualitative data add immense value to product development. Readers will learn to innovate smarter by getting a firm understanding of why customers like their solutions and how they adapt them to suit their needs. The book presents real-life examples throughout of how customers are changing their behaviour in response to a fast-evolving financial landscape and provides practical advice on how to transform such insights into innovation. It explores how to produce customer insights for services that don't exist yet, for instance Central Bank Digital Currencies (CBDCs). It also provides descriptions of hands-on tools to build new insights and apply them to innovation and of methodologies such as portable kits, personas, digital ethnography, observations and interviews.

With the inflation rate in the United States and many other countries on the rise for over a year and nearing double digits, the Hoover Institution hosted its 2022 conference on monetary policy. Policy makers, market participants, and academic researchers gathered to discuss the situation. Many agreed that low interest rates and high money growth were inappropriate given the high inflation rate and evidence that the United States has recovered from the deep recession induced by the pandemic and its policy response in 2020. The thoughtful papers and the thorough discussions in this volume of conference proceedings illustrate the debate about the reasons for this mismatch, as well as how to get back on track. They reflect a range of opinions and perspectives, including examination of the fiscal shock resulting from the COVID pandemic and the related borrowing and spending; emphasis on the value of adherence to rules versus discretion in setting Fed policy; lessons from history in the spikes in federal expenditures during times of war (including the pandemic) and in the timing of the Fed's use of its policy instruments; the role of central banks in the emerging inflation crisis; and s

The curious tale of two priest impersonators in late colonial Mexico. Cut loose from their ancestral communities by wars, natural disasters, and the great systemic changes of an expanding Europe, vagabond strangers and others out of place found their way through the turbulent history of early modern Spain and Spanish America. As shadowy characters inspiring deep suspicion, fascination, and sometimes charity, they prompted a stream of decrees and administrative measures that treated them as nameless threats to good order and public morals. The vagabonds and impostors of colonial Mexico are as elusive in the written record as they were on the ground, and the administrative record offers little more than commonplaces about them. Fugitive Freedom locates two of these suspect strangers, Joseph Aguayo and Juan Atondo, both priest impersonators and petty villains in central Mexico during the last years of Spanish rule. Displacement brought picaros to the forefront of Spanish literature and popular culture-a protean assortment of low life characters, seen as treacherous but not usually violent, shadowed by poverty, on the move and on the make in selfish, sometimes clever ways as they navigated a hostile, sinful world. What to make of the lives and longings of Aguayo and Atondo, which resemble those of one or another literary picaro? Did they imagine themselves in literary terms, as heroes of a certain kind of story? Could impostors like these have become fixtures in everyday life with neither a receptive audience nor permissive institutions? With Fugitive Freedom, William B. Taylor provides a rare opportunity to examine the social histories and inner lives of two individuals at the margins of an unfinished colonial order that was coming apart even as it was coming together.

For early childhood classrooms - where curriculum is increasingly shaped by standards and teachers are pressed for time - Beyond Early Literacy offers a literacy method that goes beyond simply developing language arts skills. Known as Shared Journal, this process promotes young children's learning across content areas - including their communication and language abilities, writing skills, sense of community, grasp of diverse social and cultural worlds, and understanding of history, counting, numeracy, and time. Pairing interactive talk with individual writing in the classroom community, this rich method develops the whole child. Special features include: sample lesson plans, rubrics, and templates throughout the book children's artifacts, including examples of oral and written work teacher accounts examining the use of Shared Journal in the classroom, including strategies and suggestions a Companion Website with templates, additional resources, and video clips of in-classroom teaching and examples of exciting ways to use new technologies. This two-part book is first framed by current theory and research about children's cognitive, language, and literacy development, and an extensive body of research and case studies on the efficacy of the method. The second part features strategies from on-the-ground teachers who have used the process with their students and explores how Shared Journal can be used with new technologies, can meet standards, and can be appropriate for diverse populations of children. This is a fantastic resource for use in early childhood education courses in emergent literacy, language arts, and curriculum.

As the Federal Reserve System conducts its latest review of the strategies, tools, and communication practices it deploys to pursue its dual-mandate goals of maximum employment and price stability, Strategies for Monetary Policy - drawn from the 2019 Monetary Policy Conference at the Hoover Institution - emerges as an especially timely volume. The book's expert contributors examine key policy issues, offering their perspectives on US monetary policy tools and instruments and the interaction between Fed policies and financial markets. The contributors review central bank inflation-targeting policies, how various monetary strategies actually work in practice, and the use of nominal GDP targeting as a way to get the credit market to work well and fix the friction in that market. In addition, they discuss the effects of the various rules that the Fed considers in setting policy, how the Fed's excessive fine-tuning of the economy and financial markets has added financial market volatility and harmed economic performance, and the key issues that impact achievement of the Fed's 2 percent inflation objective. The volume concludes by exploring potential options for enhancing our policy approach.

The curious tale of two priest impersonators in late colonial Mexico Cut loose from their ancestral communities by wars, natural disasters, and the great systemic changes of an expanding Europe, vagabond strangers and others out of place found their way through the turbulent history of early modern Spain and Spanish America. As shadowy characters inspiring deep suspicion, fascination, and sometimes charity, they prompted a stream of decrees and administrative measures that treated them as nameless threats to good order and public morals. The vagabonds and impostors of colonial Mexico are as elusive in the written record as they were on the ground, and the administrative record offers little more than commonplaces about them. Fugitive Freedom locates two of these suspect strangers, Joseph Aguayo and Juan Atondo, both priest impersonators and petty villains in central Mexico during the last years of Spanish rule. Displacement brought pícaros to the forefront of Spanish literature and popular culture—a protean assortment of low life characters, seen as treacherous but not usually violent, shadowed by poverty, on the move and on the make in selfish, sometimes clever ways as they navigated a hostile, sinful world. What to make of the lives and longings of Aguayo and Atondo, which resemble those of one or another literary pícaro? Did they imagine themselves in literary terms, as heroes of a certain kind of story? Could impostors like these have become fixtures in everyday life with neither a receptive audience nor permissive institutions? With Fugitive Freedom, William B. Taylor provides a rare opportunity to examine the social histories and inner lives of two individuals at the margins of an unfinished colonial order that was coming apart even as it was coming together.

The inside story of the founding and growth of Taylor Guitars, one of the world's most successful guitar manufacturers

Bob Taylor mixes the details of his experience as a tradesman and cofounder of Taylor Guitars, a world-famous acoustic and electric guitar manufacturer, with philosophical life lessons that have practical application for building a business. From the "a-ha" moment in junior high school that inspired his very first guitar, Taylor has been living the American dream, crafting quality products with his own hands and building a successful, sustainable business. In Guitar Lessons, he shares the values that he lives by and that have provided the foundation for the company's success. Be inspired by a story of guts and gumption, an unwavering commitment to quality, and the hard lessons that made Taylor Guitars the company it is today.

The slow recovery from the recession of 2007-9 raises fundamental economic and public policy concerns. Government Policies and the Delayed Economic Recovery examines some possible causes of the weak recovery and presents empirical evidence that too much policy activism and other policy shortcomings have held back economic growth. The book examines a wide range of policies that have led to the delayed economic recovery, from increased regulation to ineffective programs that have driven up the public debt. Although their opinions are not always the same, together the contributors reveal a common theme: the delayed recovery has been due to the enactment of poor economic policies and the failure to implement good ones. The authors conclude their analysis by providing a framework for how policies should change to restore strong economic growth.

This book tells the intriguing and often colorful stories of the medical words we use. The origins of clinical and scientific terms can be found in Greek and Latin myths, in places such as jungles of Uganda and the islands of the Aegean Sea, in the names of medicine's giants such as Hippocrates and Osler, and in some truly unlikely sources. In this book you will learn the answers to questions such as: * What disease was named for an American space flight? * Do you know the echoic word for elephantine rumbling of the bowels? * What drug name was determined by drawing chemists' notes out of a hat? * What are surfer's eye, clam digger's itch, and hide porter's disease? This book can give you new insights into the terms we use every day in the clinic, hospital, and laboratory. Knowing a word's history assists in understanding not only what it means, but also some of the connotative subtleties of terms used in diagnosis and treatment. The Amazing Language of Medicine is intended for the enrichment of physicians, other health professionals, students, and anyone involved in clinical care and medical science.

This new edition of White Coat Tales presents intriguing stories that give historical context to what we do in medicine today-the body's "holy bone" and how it got its name, a surprising reason why gout seemed to be so prevalent several centuries ago, and the therapeutic misadventure that shortened the life of Eleanor Roosevelt. In addition to many new tales, this revised edition contains 128 illustrations, such as images of Baron von Munchhausen aloft with cannonballs and Vincent van Gogh's portrait of his doctor showing a clue to the painter's health. Read about legendary medical innovators, diseases that changed history, illnesses of famous persons, and some epic blunders of physicians and scientists. The author is Robert B. Taylor, MD, Emeritus Professor, Oregon Health & Science University School of Medicine, and Professor, Eastern Virginia Medical School. Dr. Taylor is the author and editor of more than 33 medical books. To see Dr. Taylor lecture on the history of medicine, go here: https://youtu.be/Zx4yaUyaPRA

Marking the 75th anniversary of the first meeting of the Mont Pelerin Society, in 1947, this volume presents for the first time the original transcripts from this landmark event. The society was created by Friedrich Hayek as a forum for leading economists and intellectuals to discuss and debate classical liberal values in the face of a rapidly changing world and political trends toward socialism. Bruce Caldwell, a major scholar of Hayek, provides an informative introduction and explanatory notes to the source documents, drawn from the Hoover Institution Library & Archives, where they have been available to scholars. Now accessible to all, the transcripts reveal what was said on a wide range of topics, including free markets, monetary reform, wage policy, taxation, agricultural policy, the future of Germany, Christianity and liberalism, and more. They provide insights into the thinking of men such as Hayek, Milton Friedman, Aaron Director, Frank Knight, Walter Eucken, Karl Popper, and other leading figures in the classical liberalism movement, illuminating not only their ideas but also their distinctive personalities. A photo section shows rarely seen images from the meeting.

Since the end of the Great Recession in 2009 the central banks of the advanced countries have taken unprecedented actions to reflate and stimulate their economies. There have been significant differences in the timing and pace of these actions. These independent monetary policy actions have had significant spillover effects on the economies and monetary policy strategies of other advanced countries. In addition the monetary policy actions and interventions of the advanced countries have had a significant impact on the emerging market economies leading to the charge of 'currency wars.' The perceived negative consequences of spillovers from the actions of national central banks has led to calls for international monetary policy coordination. The arguments for coordination based on game theory are the same today as back in the 1980s, which led to accords which required that participant countries follow policies to improve global welfare at the expense of domestic fundamentals. This led to disastrous consequences. An alternative approach to the international spillovers of national monetary policy actions is to view them as deviations from rules based monetary policy. In this view a return to rules based monetary policy and a rolling back of the "" global great deviation"" by each country's central bank would lead to a beneficial policy outcome without the need for explicit policy coordination. In this book we report the results from a recent conference which brought together academics, market participants, and policy makers to focus on these issues. The consensus of much of the conference was on the need for a classic rules based reform of the international monetary system.

Today, a widening range of historical phenomena are being examined through the psychoanalytic lens, while the psychoanalytic tradition itself is coming in for unprecedented historical scrutiny. This collection of essays showcases the innovative, and sometimes contentious, encounters between pyschoanalysis and history.

This book fills the need for a resource presenting important diagnostic facts that clinicians should have learned during their classroom lectures and subsequent clinical training, but often didn't. The content will be literature-based information that can help the clinician avoid diagnostic errors. Most other diagnosis books on the market are either "physical diagnosis" texts targeting student readers or "differential diagnosis" books intended for use by practicing physicians, though both types of books aim to be comprehensive. What sets this book apart from other diagnosis books is that it is a curated collection of facts, tailored specifically to address common gaps in clinical knowledge and describe less-traveled pathways to important diagnostic destinations. This book focuses on high-impact techniques. Essential Diagnostic Facts Every Clinician Should Know contains: -Classical diagnostic pearls clinicians should have learned in physical diagnosis courses. For example, a patient with acute pericarditis may find that leaning forward relieves the pain. -Red flag symptoms of serious disease. For example, an infant that tastes salty when kissed might be the first clue to a diagnosis of cystic fibrosis. -Pathognomonic signs allowing an occasional early diagnosis: For example, Koplik spots in a febrile child are found only with measles. -Plastic pearls exposed: For example, contrary to clinical lore, back pain at night has not been found to be a useful indicator for serious spinal pathology. -Counterintuitive clinical manifestations: For example, the patient with gout may have a normal or even low serum uric acid level during an acute attack. -Clinical manifestations that may point to uncommon diagnoses: For example, nocturnal bone pain, sometimes dramatically relieved by aspirin, characterizes osteoid osteoma.

The relationship between psychoanalysis and history is long-standing, productive and controversial. From Freud onward, psychoanalytic thinkers have looked to history for insights into the operations of the human mind. Historians have been more equivocal about the value of psychoanalysis for their discipline. But recent decades have seen a growing interest in psychoanalysis across the Humanities. History and Psyche brings together some of the best work in this area, in essays by sixteen leading scholars. Topics explored include Luther and psychobiography, empathy and historical subjectivity, the political history of the Oedipus complex, and childhood in early modernity.

Expert contributors examine the recent actions of the Federal Reserve and suggest directions for the Fed going forward by drawing on past political, historical, and market principles. They explain how the Fed arrived at its current position, offer ideas on how to exit the situation, and propose new market-based reforms that can help keep the Fed on the road to good monetary policy in the future.

White working class areas are often seen as entrenched and immobile, threatened by the arrival of 'outsiders'. This major new study of class and place since 1930 challenges accepted wisdom, demonstrating how emigration as well as shorter distance moves out of such areas can be as suffused with emotion as moving into them. Both influence people's sense of belonging to the place they live in.
Using oral histories from residents of three social housing estates in Norwich, England, the book also tells stories of the appropriation of and resistance to state discoruses of community; and of ambivalent, complex and shifting class relations and identities. Material poverty has been a constant in the area, but not for all residents, and being classed as 'poor' is an identity that some actively resist.
This paperback edition includes a Preface by Lynsey Hanley, author of "Estates: An Intimate History, " and a new Conclusion by the authors.

White working class areas are often seen as entrenched and immobile, threatened by the arrival of 'outsiders'. This major new study of class and place since 1930 challenges accepted wisdom, demonstrating how emigration as well as shorter distance moves out of such areas can be as suffused with emotion as moving into them. Both influence people's sense of belonging to the place they live in. Using oral histories from residents of three social housing estates in Norwich, England, the book also tells stories of the appropriation of and resistance to state discourses of community; and of ambivalent, complex and shifting class relations and identities. Material poverty has been a constant in the area, but not for all residents, and being defined as 'poor' is an identity that some actively resist.

This study analyzes the impact of Spanish rule on Indian peasant identity in the late colonial period by investigating three areas of social behavior. Based on the criminal trial records and related documents from the regions of central Mexico and Oaxaca, it attempts to discover how peasants conceived of their role under Spanish rule, how they behaved under various kinds of street, and how they felt about their Spanish overlords.
In examining the character of village uprisings, typical relationships between killers and the people they killed, and the drinking patterns of the late colonial period, the author finds no warrant for the familiar picture of sullen depredation and despair. Landed peasants of colonial Mexico drank moderately on the whole, and mostly on ritual occasions; they killed for personal and not political reasons. Only when new Spanish encroachments threatened their lands and livelihoods did their grievances flare up in rebellion, and these occasions were numerous but brief. The author bolsters his conclusions with illuminating comparisons with other peasant societies.

Did women have an Enlightenment? Historians have long excluded women from the Enlightenment orbit. But competing images of 'Woman' loomed large in Enlightenment thought, and women themselves - as scientists and salonnieres, bluestockings and governesses, political polemicists and novelists - contributed much to enlightened intellectual culture. This path-breaking volume of interdisciplinary essays by forty leading scholars provides a detailed picture of the controversial, innovative role played by women and gender issues in the age of light.

Did women have an Enlightenment? Historians have long excluded women from the Enlightenment orbit. However, competing images of 'Woman' loomed large in Enlightenment thought, and women themselves - as scientists and salonnieres, bluestockings and governesses, political polemicists and novelists - contributed much to enlightened intellectual culture. This path-breaking volume of interdisciplinary essays by forty leading scholars provides a detailed picture of the controversial, innovative role played by women and gender issues in the age of light.

The previous conference in this series (AMTA 2002) took up the theme From Research to Real Users, and sought to explore why recent research on data-driven machine translation didn t seem to be moving to the marketplace. As it turned out, the ?rst commercial products of the data-driven research movement were just over the horizon, andintheinterveningtwoyearstheyhavebeguntoappearinthemarketplace. Atthesame time, rule-basedmachinetranslationsystemsareintroducingdata-driventechniquesinto the mix in their products. Machine translation as a software application has a 50-year history. There are an increasing number of exciting deployments of MT, many of which will be exhibited and discussed at the conference. But the scale of commercial use has never approached the estimates of the latent demand. In light of this, we reversed the question from AMTA 2002, to look at the next step in the path to commercial success for MT. We took user needs as our theme, and explored how or whether market requirements are feeding into research programs. The transition of research discoveries to practical use involves te- nicalquestionsthatarenotassexyasthosethathavedriventheresearchcommunityand research funding. Important product issues such as system customizability, computing resource requirements, and usability and ?tness for particular tasks need to engage the creativeenergiesofallpartsofourcommunity, especiallyresearch, aswemovemachine translation from a niche application to a more pervasive language conversion process. Thesetopicswereaddressedattheconferencethroughthepaperscontainedinthesep- ceedings, and even more speci?cally through several invited presentations and panels."