The field of household finance seeks to understand how households use financial instruments. Financial economists have long studied how corporations utilize financial instruments, yet relatively little is understood about how individual consumers and households utilize various credit alternatives in managing their consumption and savings objectives. However, with the increasing interest in issues surrounding behavioral finance, research into household financial decision making processes is becoming increasingly important. In response to the growing interest in household finance, this book contains a collection of essays by leading researchers studying issues involving household and consumer use of credit instruments. This collection, featuring a foreword by John Y. Campbell, will provide readers with a greater understanding of what is currently known about household credit utilization and suggest possible areas for future research.

In response to growing interest in household finance, this collection of essays with a foreword by John Y. Campbell, studies household and consumer use of credit instruments. It shows how individual consumers and households utilize various credit alternatives in managing their consumption and savings and suggests areas for future research.

* Illustrates new methodological directions in analyzing human social and biological variation * Offers a wide array of research on past populations around the globe * Explains the central features of bioarchaeological research by key researchers and established experts around the world

* Illustrates new methodological directions in analyzing human social and biological variation * Offers a wide array of research on past populations around the globe * Explains the central features of bioarchaeological research by key researchers and established experts around the world

As humans age progresses, their cranial sutures undergo increasingly elaborate, changes becoming more complex and developing interdigitations through a process of growth and resorption of bone occurs. Although forensic science correlates obliteration of sutures with age, the morphologic characteristics of sutures are highly variable making age estimation difficult to determine. However, if suture obliteration is used in conjunction with other skeletal age indicators, the accuracy of age estimation increases.

The SOLARIS 2012 conference focussed on solar radiation modelling and day lighting, solar thermal (ST), photovoltaic (PV), renewable energy resources (RES), climate change (CC), food processing industries/rural development (FRD), and life cycle cost analysis of renewable energy sources (LC). These proceedings from the conference will be of interest to students, teachers, researchers, scientists, engineers and users involved in renewable energy in general and solar energy in particular. Manufacturers will also find these proceedings useful.

In the last decade many important advances have taken place in the field of quantum optics, with numerous potential applications. Ideal for graduate courses on quantum optics, this textbook provides an up-to-date account of the basic principles of the subject. Focusing on applications of quantum optics, the textbook covers recent developments such as engineering of quantum states, quantum optics on a chip, nano-mechanical mirrors, quantum entanglement, quantum metrology, spin squeezing, control of decoherence and many other key topics. Readers are guided through the principles of quantum optics and their uses in a wide variety of areas including quantum information science and quantum mechanics. The textbook features end-of-chapter exercises with solutions available for instructors at www.cambridge.org/9781107006409. It is invaluable to both graduate students and researchers in physics and photonics, quantum information science and quantum communications.