Peter Rose focuses in this volume on a new and ongoing movement in banking--the rapid spread of banks and bank holding companies across state lines. As Rose notes at the outset, legislation to allow banks to cross state lines is now law in 46 states. While many analysts believe that full-service interstate banking will bring badly needed capital to struggling local economies and help stem the rising tide of savings and loan failures, there is growing concern in the regulatory community and among some bankers and consumer groups that this trend will only exacerbate current problems of excessive risk exposure in the banking industry. Rose evaluates these contending views exploring in detail interstate banking's potential benefits and costs and assessing the movement's future in an increasingly global society and volatile international economy. He concludes new federal and state policies that both protect the public interest and bring greater stability to the banking industry are necessary before interstate banking can fulfill the promises of its supporters.

Among the critical issues Rose addresses are the ways in which leading banking organizations assess potential market areas, how these same organizations select particular banking institutions as targets for acquisition, and what changes in services and service pricing are likely in the wake of an interstate banking acquisition. He examines the special challenges and problems the interstate banking movement creates for federal and state regulatory authorities and considers what new federal and state legislation and regulation may be needed to deal with these problems. Arguing that for savings-investment channels to work well banks must benefit from full public confidence, Rose calls for the institution of measures such as frequent and thorough FDIC inspections, insurance fees tied to level of risk exposure, and full disclosure of bank finances. Numerous tables amplify points made in the text. Must reading for advanced courses in finance and banking, this book will also be of significant interest to regulators, policymakers and banking executives concerned about the potential impact of a widening trend toward interstate full-service banking.

This book examines in detail the timely area of Japanese banking and investment activities in the United States, and offers a clear picture of both the causes of the recent growth of foreign investment activity and the consequences of this trend for American companies, households, and government agencies. Peter S. Rose argues that multiple factors have shaped the growing roles played by Japanese banks in the U.S. financial system and by Japanese investors in the U.S. economy, but remains optimistic that this is not necessarily a cause for alarm.

Rose provides a detailed look at nearly every aspect of Japan's involvement in the U.S. financial sector, as well as offering a useful overview of the banking and financial system of Japan. Among the causes of Japanese expansion that Rose discusses are the rapid appreciation of the Japanese yen in international markets, Japan's large trade surpluses with the U.S., the high personal savings rate of the Japanese, periodically depressed U.S. stock prices, and the low barriers to entry into most U.S. markets. Also fully detailed are the consequences of possible reductions in Japanese financial activity, which could be felt in the U.S. through higher domestic interest rates, a reduction in the creation of new jobs, rising unemployment, reduced availability of long-term capital, and a slackening in the growth of U.S. output. This unique work will be an important reference tool for professionals in the banking, finance, and securities industries, for public policy makers and bank regulatory agencies, and for students and researchers of international banking and finance.

Tropes of Intolerance is a Baedeker of bigotry, a short course on xenophobic racism and populist nationalism - both enduring threats to the social fabric of democratic societies. Each chapter is a self-contained commentary and a building block. In the first, the author considers the concepts of pride and prejudice and discusses patterns of discrimination and strategies of resistance. This is following by an illustrated consideration of the emblems of enmity - words, signs, symbols and other verbal and visual expressions of both chauvinism and intolerance. Linking the first two, the third chapter explores the nature of American Nativism and its contemporary expression. This is followed by an assessment of the exploitation of anxiety among particularly vulnerable sectors of society by skillful, manipulative leaders and their agents and the exacerbation of social divisions by the use of stereotyping, stigmatizing, and labeling. Chapter Five, "Trumped Up," narrows the focus to the present day, the president himself, and his exacerbation of polarizing particularism. A sixth chapter examines two of the most malignant ideologies -- resurgent anti-Semitism and the rise of Islamophobia -- bringing readers full circle. In addition to a brief Coda and a glossary of key terms related to the principal topic, there is a post-election Afterword written in late November, 2020.

With full-service nationwide banking on the verge of becoming a reality in the U.S., here is a thoughtful analysis of how it emerged and what its effects will be. Dr. Rose is frankly skeptical. He sees advantages but he also predicts significant disadvantages, mainly in the form of possibly higher fees and reduced personal attention for consumers of banking services. His book provides the best summary available of the research findings to date and one of the best summaries of new federal interstate banking rules enacted by Congress and signed into law in 1994. This is an important book not only for executives engaged in government-relations work throughout the financial services industry, and for those engaged in marketing and strategic planning, but also for public policy people in the private and public sectors.

Dr. Rose opens his book with an overview of the trend in U.S. banking towards a consolidated banking system similar to those in other industrialized nations, particularly Canada, Great Britain, and Germany. He identifies causes of this movement toward consolidation, attributable to governmental interventions and the exigencies of the private sector marketplace. He reviews the long history of federal and state restrictions against interstate banking and then explains how laws passed in the 1990s are permitting giant nationwide banking companies to emerge. What does this mean for the public, bankers, and investors? Less than what people think and have hoped for. Dr. Rose warns that many of the benefits expected from interstate banking will probably be nonexistent or at best meager. His book will certainly prove to be a vital resource for anyone involved in the banking industry and for those who influence it.

Tropes of Intolerance is a Baedeker of bigotry, a short course on xenophobic racism and populist nationalism - both enduring threats to the social fabric of democratic societies. Each chapter is a self-contained commentary and a building block. In the first, the author considers the concepts of pride and prejudice and discusses patterns of discrimination and strategies of resistance. This is following by an illustrated consideration of the emblems of enmity - words, signs, symbols and other verbal and visual expressions of both chauvinism and intolerance. Linking the first two, the third chapter explores the nature of American Nativism and its contemporary expression. This is followed by an assessment of the exploitation of anxiety among particularly vulnerable sectors of society by skillful, manipulative leaders and their agents and the exacerbation of social divisions by the use of stereotyping, stigmatizing, and labeling. Chapter Five, "Trumped Up," narrows the focus to the present day, the president himself, and his exacerbation of polarizing particularism. A sixth chapter examines two of the most malignant ideologies -- resurgent anti-Semitism and the rise of Islamophobia -- bringing readers full circle. In addition to a brief Coda and a glossary of key terms related to the principal topic, there is a post-election Afterword written in late November, 2020.

The 'Scanners' series of books have been consistent bestsellers, being the UK's leading guides to receiving equipment employed by enthusiasts to monitor the short wave and VHF/UHF wavebands used by airfields, maritime and rescue services, and analogue and digital two-way private mobile radio systems. This new (seventh) edition covers the rapidly increasing trend towards digital two-way radio communications and the latest handheld and mobile/base scanners with some digital modes fitted. It has been fully re-written and updated to include the latest UK radio frequency listings and call signs for airports, maritime and emergency services and other professional organisations. The book covers the latest shifts in the hobby towards digital and PC- and tablet-controlled radio technology and illustrates the very latest commercial radio scanning equipment and accessories. Included are details of an increasing number of 'apps' for smartphones specifically for radio data decoding, including programs for digital scanner communications decoding for which a smartphone can be linked to an existing scanner radio to decode. Other innovations include TETRA as used by police, ambulance, fire and rescue services, and DMR modes such as Mototrbo. It is predicted that by 2016, fifty per cent of two-way radio communication in the UK will use digital modes.