This book introduces a measure of firms’ competition culture based on a textual analysis and natural language processing (NPL) of firms’ 10-K filings. Using this measure, the book explores the relationship between competition culture and various phenomena in corporate finance, specifically, institutional ownership structure, stock return performance, idiosyncratic stock price crash risk, meeting/beating analysts’ earnings expectations, and earnings management activity, for a large sample of US-based financial and non-financial firms. In particular, the book provides evidence that transient institutional ownership intensifies firms’ competition culture, while dedicated institutional ownership lessens it. In addition, the book’s findings suggest that firms with greater levels of competition culture achieve higher levels of short-term stock return performance, experience greater incidence of idiosyncratic stock price crashes, and are more prone to meet/beat analysts forecast and engage in accruals-based earnings manipulation. Finally, the book examines the role played by competition culture in financial firms (i.e., banks). Specifically, the book explores the effect of competition culture on bank lending and shows that banks with greater levels of competition culture are generally more prone to engage in procyclical lending activity. The findings of the book have significant policy implications and will be of interests to regulators, accounting standard-setters, managers and those charged with firm governance, career academics and researchers, graduates, and those generally interested in the role played by corporate culture in the related fields of finance, economics, and accounting.

""Eat Your Colors " identifies two important food groups in a fun and educational way. We need family-friendly ways to encourage children to eat healthy and Eat Your Colors is a creative way to do that."
-Mary Ann Hammerle, RD, LD, pediatric clinical dietitian, Texas Children's Hospital

Every parent knows that convincing young children to eat their fruits and vegetables is no easy task. Created by an educator and mother, "Eat Your Colors " offers a captivating, vibrant way to teach children about colors and foods that are good to eat.

Through the use of fun rhymes and brightly colored pictures of foods, Terry Harris shows children all the benefits of eating healthy, delicious foods while teaching them about colors. From green lettuce and white cauliflower to yellow grapefruit and red apples, Harris introduces little ones to a variety of fruit and vegetable options sure to tempt even the pickiest of palates. Also included are interactive exercises that encourage children to identify healthy options.

"Eat Your Colors " is a children's book that playfully guides little ones to good food choices through bright colors and fun rhymes.

"An excellent learning tool for young children."
-Martha Jenkins, educator

A collection of poems, each born out of life experiences of the author, from the pain of hardships and despair to the joyful exuberance of watching God work in faithful and miraculous ways. They are stories of God's faithfulness, love, forgiveness, redemption, and hope. They are also stories of how God uses His creation to bless us and meet us where we are. Each one inspired by God, these poems speak to everyone who is feeling the pain of personal hurt or the joy of God's amazing love.

"I have known Terry for many years, and I know that she loves the creative, from crafts and beautiful albums to her love for writing poetry. She is a true inspiration to all. From her various joys and trials, she has poured out her heart on paper in the form of meaningful poetry that will sometimes grip your soul, sometimes make you laugh, and other times soothe your heart. Breathe with Thee is a recommended read for anyone who enjoys this creative way with words. An added treat is the array of her beautiful photos that she has included to complement her poems." --Caroline Adams Miller, MAPP, author, speaker, performance coach

"Terry's poetry speaks to the faithfulness, love, and majesty of our God in a way that will stir your heart to love and trust Him more in your life." --Ray Lynch, author, speaker, and founder and president of LifeChange Concepts, Inc.

""Eat Your Colors " identifies two important food groups in a fun and educational way. We need family-friendly ways to encourage children to eat healthy and Eat Your Colors is a creative way to do that."
-Mary Ann Hammerle, RD, LD, pediatric clinical dietitian, Texas Children's Hospital

Every parent knows that convincing young children to eat their fruits and vegetables is no easy task. Created by an educator and mother, "Eat Your Colors " offers a captivating, vibrant way to teach children about colors and foods that are good to eat.

Through the use of fun rhymes and brightly colored pictures of foods, Terry Harris shows children all the benefits of eating healthy, delicious foods while teaching them about colors. From green lettuce and white cauliflower to yellow grapefruit and red apples, Harris introduces little ones to a variety of fruit and vegetable options sure to tempt even the pickiest of palates. Also included are interactive exercises that encourage children to identify healthy options.

"Eat Your Colors " is a children's book that playfully guides little ones to good food choices through bright colors and fun rhymes.

"An excellent learning tool for young children."
-Martha Jenkins, educator

Could you use some encouragement during a hectic and stress-filled day? Do the stories of others persevering through their challenges and overcoming the odds help you through your challenges? If you answered "yes" to these questions, then you have picked up a book that will refresh and encourage you. Obstacles to Opportunities explores many topics, stories, ideas and concepts which will help you view your obstacles as opportunities for growth. This book is a concise, easy-to-read collection of inspiring stories and practical, relevant information, designed specifically for your busy life style. Enjoy the journey Terry Harris has a passion for stories about overcoming the odds. Diagnosed with cerebral palsy at the age of two, Terry was never supposed to walk, talk, read, write or go to a regular school. His parents were advised to place him in an institution. Today Terry has a Masters Degree in Counselling, is an advocate for families impacted by incarceration, is a motivational speaker, broadcaster and author. Terry credits all of his accomplishments to a loving God, supportive family and a special group of people he calls, "Master Encouragers." Terry and his wife Dawn live in Kingston, Ontario.

This timely work addresses sensitive issues and relations between Muslims and Christians around the world. The book uniquely captures the opportunity for Christians and Muslims to come together and discuss pertinent issues such as pluralism, governance, preaching, Christian missionary efforts, and general misperceptions of Muslim and Christian communities. Joint authorship and discussion within the book is used to offer dialogue and responses between different contributors. This dialogue reveals that Christians and Muslims hold many things in common while having meaningful differences. It also shows the value of honestly sharing convictions while respecting and hearing the beliefs of another.

This timely work addresses sensitive issues and relations between Muslims and Christians around the world. The book uniquely captures the opportunity for Christians and Muslims to come together and discuss pertinent issues such as pluralism, governance, preaching, Christian missionary efforts, and general misperceptions of Muslim and Christian communities. Joint authorship and discussion within the book is used to offer dialogue and responses between different contributors. This dialogue reveals that Christians and Muslims hold many things in common while having meaningful differences. It also shows the value of honestly sharing convictions while respecting and hearing the beliefs of another.