This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.

Exploring the advantages and disadvantages of codifying contract law, this book considers the question from the perspectives of both civil and common law systems, referring in detail to issues of international and consumer law. With contributions from leading international scholars, the chapters present a range of opinions on the virtues of codification, encouraging further debate on this topic. The book commences with a discussion on the internationalization imperative for codification of contract law. It then turns to regional issues, exploring first codification attempts in the European Union and Japan, and then issues relevant to codification in the common law jurisdictions of Australia, New Zealand and the United States. The collection concludes with two chapters which consider the need to draw upon both private and comparative international law perspectives to inform any codification reforms. This book will be of interest to international and comparative contract law academics, as well as regulators and policy-makers.

This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.

Exploring the advantages and disadvantages of codifying contract law, this book considers the question from the perspectives of both civil and common law systems, referring in detail to issues of international and consumer law. With contributions from leading international scholars, the chapters present a range of opinions on the virtues of codification, encouraging further debate on this topic. The book commences with a discussion on the internationalization imperative for codification of contract law. It then turns to regional issues, exploring first codification attempts in the European Union and Japan, and then issues relevant to codification in the common law jurisdictions of Australia, New Zealand and the United States. The collection concludes with two chapters which consider the need to draw upon both private and comparative international law perspectives to inform any codification reforms. This book will be of interest to international and comparative contract law academics, as well as regulators and policy-makers.

Bioluminescence is everywhere on earth--most of all in the ocean, from angler fish in the depths to the flashing of dinoflagellates at the surface. Here, Therese Wilson and Woody Hastings explore the natural history, evolution, and biochemistry of the diverse array of organisms that emit light. While some bacteria, mushrooms, and invertebrates, as well as fish, are bioluminescent, other vertebrates and plants are not. The sporadic distribution and paucity of luminous forms calls for explanation, as does the fact that unrelated groups evolved completely different biochemical pathways to luminescence. The authors explore the hypothesis that many different luciferase systems arose in the early evolution of life because of their ability to remove oxygen, which was toxic to life when it first appeared on earth. As oxygen became abundant and bioluminescence was no longer adequate for oxygen removal, other antioxidant mechanisms evolved and most luminous species became extinct. Those light-emitting species that avoided extinction evolved uses with survival value for the light itself. Today's luminous organisms use bioluminescence for defense from predators, for their own predatory purposes, or for communication in sexual courtship. Bioluminescence was earlier viewed as a fascinating feature of the living world, but one whose study seemed unlikely to contribute in any practical way. Today, bioluminescence is no longer an esoteric area of research. Applications are numerous, ranging from the rapid detection of microbial contamination in beef and water, to finding the location of cancer cells, to working out circuitry in the brain.

Accessible, understandable poetry Coming from Therese's evolving understanding of life and God, and the universality of the human experience, the everyday becomes profound and meaningful.

Accessible, understandable poetry Coming from Therese's evolving understanding of life and God, and the universality of the human experience, the everyday becomes profound and meaningful.