We all depend on banks. They help us save and they help us spend. Yet for many they represent everything that's wrong with the world of finance. Poor service, high fees, creaking IT infrastructure and a market controlled by just a few providers have combined in recent years to create a personal banking crisis every bit as severe as the global financial crisis. How have things got so bad? Why are banks unable to balance providing good customer service with making a profit? And what can we do to protect ourselves from the tricks banks play to part us with our hard-earned money? This ground-breaking book, written by three insiders, reveals why banks do the things they do. From designing products they know will rip customers off to cutting branches they know their customers rely on, they explain how many banks' failing business models force them to make the wrong choices again and again. They make a rallying call for us all to be better informed about how everyday banking products actually work and to be wary of the many tricks and techniques product managers devise to make money.

Malaysia is a megadiverse country with an incredible number of land species - it is estimated to contain 20 per cent of the world's animal species - and whose coastal waters form part of the equally rich Coral Triangle. Written by a team of local experts, Wild Malaysia looks at the most important habitats within the three divisions of the country: Peninsular Malaysia, Sarawak and Sabah. The habitats cover a fascinating range including pristine rainforests, limestone complexes, wetlands, coastal regions, caves and highlands. A unique feature in each chapter is the `Guided Tour', which takes readers to specific habitats to explore the trees, birds, plants and animals to be found there. Illustrated with Stephen Hogg's vibrant photographs, Wild Malaysia provides an authoritative and entertaining survey of the wide spectrum of wildlife on the land and in the seas of this diverse country

This is a reproduction of a book published before 1923. 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. ++++ The below data was compiled from various identification fields in the bibliographic record of this title. This data is provided as an additional tool in helping to ensure edition identification: ++++ Speeches And State Papers Of James Stephen Hogg, Ex-governor Of Texas: With A Sketch Of His Life James Stephen Hogg Cadwell Walton Raines The State printing company, 1905 Texas