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a[A] work that provides newly detailed history and analysis of title insurance, a little-studied industry.a
--"Library Journal"

"In this important and fascinating book, the authors expose a scam that has fleeced Americans of billions of their hard-earned dollars since World War II. The title insurance industry, they show, has captured its regulators, and imposed exceedingly high costs on American homebuyers by means of a cartel-like arrangement. If that arrangement can be broken, price gouging would end and all American homeowners would enjoy what Canadians and Iowans do--reasonably priced peace of mind."
--Robert E. Wright, Stern School of Business, New York University

After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many title insurers offer an array of other real estate services, such as escrow and appraisal. Yet details about the industryas operational procedures remain closely guarded from public exposure.

In The American Title Insurance Industry, Joseph and David Eaton present evidence that improvements in recordkeeping over the last sixty years--particularly the advent of computers--have reduced the likelihood of a defective title going unnoticed in a property transaction. But the industryas flaws run deeper than mere obsolescence: in most states, title insurers are allowed to engage in anticompetitive business practices, including price-fixing. Amongthe findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by hundreds of percentage points for different geographic locations.The authors also examine the widely ignored role that the federal and most state governments play in perpetuating the title insurance industryas unfair practices. Whereas most private industries prefer as little government intervention as possible, title insurers welcome it. Federal statue exempts title insurers from anti-trust liability, opening the door for price-fixing and destroying any semblance of free-market competition or market power for consumers.A landmark study for elected officials, and all those involved in the insurance, real estate, and brokerage industries, The American Title Insurance Industry brings to light a long-neglected problem--and offers suggestions for how it might be remedied.

"Netflix and chill," "broccoli," and LGBTTQQIAAP+. If you don't know what these words and phrases really mean to your teen, you are not alone. The verbal terrain of today's youth can be difficult to navigate, and sometimes requires a guide--a culture translator to help parents of teens decipher the codes and unlock the doors to an ongoing conversation about faith and life. David Eaton and Jeremiah Callihan provide just that in Engaging Your Teen's World, teaching you how to maintain open communication about everything from relationships to technology and media in order to help teens grow in their faith and successfully deal with difficult issues. Eaton and Callihan bring a wealth of frontline experience, sharing a big-picture view of your teen's world and how to interact with it, followed by more specific information on * what your teen is thinking, doing, and watching * conversations about sex, gender, porn, sexting, and drugs * being a missionary to your teen * and much more Despite the many challenges facing teens and their parents, this frank, insightful, and practical book offers a hopeful view toward the long-term goals of your relationship with your teen and for their relationship with the Lord.

Key book on the debates surrounding the knowledge economy and decolonialization of African Studies, that brings the subject up to date for the 21st century. Decolonization of knowledge has become a major issue in African Studies in recent years, brought to the fore by social movements such as #RhodesMustFall and #BlackLivesMatter. This timely book explores the politics and disputed character of knowledge production in colonial and postcolonial Uganda, where efforts to generate forms of knowledge and solidarity that transcend colonial epistemologies draw on long histories of resistance and refusal. Bringing together scholars from Africa, Europe and North America, the contributors in this volume analyse how knowledge has been created, mobilized, and contested across a wide range of Ugandan contexts. In so doing, they reveal how Ugandans have built, disputed, and reimagined institutions of authority and knowledge production in ways that disrupt the colonial frames that continue to shape scholarly analyses and state structures. From the politics of language and gender in Bakiga naming practices to ways of knowing among the Acholi, the hampering of critical scholarship by militarism and authoritarianism, and debates over the names of streets, lakes, mountains, and other public spaces, this book shows how scholars and a wide range of Ugandan activists are reimagining the politics of knowledge in Ugandan public life.

This innovative textbook demystifies the subject of world history through a diverse range of case studies. Each chapter looks at an event, person, or place commonly included in comprehensive textbooks, from prehistory to the present and from across the globe - from the Kennewick Man to gladiators and modern-day soccer and globalization - and digs deeper, examining why historians disagree on the subject and why their debates remain relevant today. By taking the approach of 'unwrapping the textbook,' David Eaton reveals how historians think, making it clear that the past is not nearly as tidy as most textbooks suggest. Provocative questions like whether ancient Greece was shaped by contact with Egypt provide an entry point into how history professors may sharply disagree on even basic narratives, and how historical interpretations can be influenced by contemporary concerns. By illuminating these historiographical debates, and linking them to key skills required by historians, World History through Case Studies shows how the study of history is relevant to a new generation of students and teachers.

This innovative textbook demystifies the subject of world history through a diverse range of case studies. Each chapter looks at an event, person, or place commonly included in comprehensive textbooks, from prehistory to the present and from across the globe - from the Kennewick Man to gladiators and modern-day soccer and globalization - and digs deeper, examining why historians disagree on the subject and why their debates remain relevant today. By taking the approach of 'unwrapping the textbook,' David Eaton reveals how historians think, making it clear that the past is not nearly as tidy as most textbooks suggest. Provocative questions like whether ancient Greece was shaped by contact with Egypt provide an entry point into how history professors may sharply disagree on even basic narratives, and how historical interpretations can be influenced by contemporary concerns. By illuminating these historiographical debates, and linking them to key skills required by historians, World History through Case Studies shows how the study of history is relevant to a new generation of students and teachers.

For thousands of years people have wondered how the world began. How the World Began includes creation myths that attempt to explain this. Meet gods, goddesses and giants at the beginning of time as they create the earth in these myths from China, North America, Australia, Britain and the South Pacific. Captivating versions of some of the best myths and legends from around the world. TreeTops Myths and Legends are fascinating and action-packed stories that will motivate and inspire readers. These are some of the oldest and most enduring stories in the world, retold by leading contemporary children's authors to bring out all of the action, drama, humour and depth of the original stories in a way that makes them as exciting and meaningful today as ever. The stories are beautifully illustrated in a range of styles to bring each tale to life. Books contain inside cover notes to support children in their reading. Help with children's reading development also available at www.oxfordowl.co.uk. The books are finely levelled, making it easy to match every child to the right book.

Meet Col, a most extraordinary visitor to our world. Journey with Col through an attempt to alter humanity's dark future. Encounter With Col: Book One is a fresh look at mankind's prospects for tomorrow. Will an alien encounter change the course of human history? Encounter With Col: Book One explores our struggles and triumphs in both micro and macro views. It can be read as pure entertainment or as a deeply philosophical treatise.

Encounter With Col: Book Two is an amazing continuation of Book One without interlude. Col is an alien visitor who attempts to help mankind avoid possible extinction. Plans fail and soon nuclear war erupts on Earth. Col must escape and return to his home. His new human friends, Jimmy and Debbie are left behind. They must try and struggle to endure war's aftermath. Who survives? How? Will Col ever return?

This is an EXACT reproduction of a book published before 1923. This IS NOT an OCR'd book with strange characters, introduced typographical errors, and jumbled words. This book may have occasional imperfections such as missing or blurred pages, poor pictures, errant marks, etc. that were either part of the original artifact, or were introduced by the scanning process. We believe this work is culturally important, and despite the imperfections, have elected to bring it back into print as part of our continuing commitment to the preservation of printed works worldwide. We appreciate your understanding of the imperfections in the preservation process, and hope you enjoy this valuable book.