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 Free Download Helena Maria Krebs, "On the Foundations of Credit Rationing" English | ISBN: 3658444878 | 2024 | 156 pages | EPUB | 9 MB Helena Maria Krebs analyzes equilibrium credit rationing when banks compete for loans and deposits in a double-sided Bertrand game. Borrowers and lenders are allowed to switch market sides. Thus, investors do not only base their decisions on loan rates, but also on opportunity costs in the form of deposit rates. Credit rationing may occur if adverse selection due to borrowers' informational advantage leads to a lower expected return on loans if the loan rate increases. In that case, banks may have an incentive to offer loan rates below the market-clearing rate. At these rates loan demand exceeds loan supply. The author reveals the important role of bank equity and its distribution: Banks with high equity offer cheap loans and reject superfluous loan applicants, whom banks with low equity then offer expensive loans. Thereby expensive banks realize a higher expected return on loans thancheap banks. Furthermore, this book is the first to formally model the process of acceptance and rejection of loan applicants as a separate stage of the double-sided Bertrand game after banks have decided on their interest rates. It is shown that for fixed chosen interest rates, the deposit and loan volumes of all banks in a subgame perfect Nash equilibrium of the resource allocation game are uniquely determined.  Free Download On the Art and Craft of Doing Science (Skills for Scholars) by Kenneth Catania English | February 18, 2025 | ISBN: 0691249261 | 224 pages | PDF | 23 Mb A scientist's personal reflections on how to harness creativity and curiosity to generate new ideas and discover the unexpected  Free Download Isha Kotecha, "On Generalised Statistical Equilibrium and Discrete Quantum Gravity " English | ISBN: 3030909689 | 2022 | 199 pages | EPUB | 8 MB Absolute concepts of time and energy are integral to standard thermal physics, but background independent systems are devoid of them. This thesis explores the foundational question of generalising equilibrium statistical mechanics to background independent systems, and applies the resulting formulation to non-perturbative discrete quantum gravity. It offers a discussion of the rich interface of thermal physics and quantum gravity in this context, providing a broad contextualisation of such topics. This work details how standard tools from many-body physics can be generalised to discrete quantum gravity labelled with graph-based, or dual polyhedral, quanta that are common to various approaches like tensorial group field theory, loop quantum gravity, dynamical triangulations and lattice quantum gravity. It provides a systematic investigation, both conceptual and technical, of quantum gravitational Gibbs states, thermofield double vacuum states, and their application in condensate cosmology to probe questions of Big Bang singularity resolution and geometric inflation.  Free Download Off the Books : On Literature and Culture By J. Peder Zane 2015 | 345 Pages | ISBN: 1611175089 | EPUB | 1 MB Head Off the Books in this collection of newspaper columns, where J. Peder Zane uses classic and contemporary literature to explore American culture and politics. The book review editor for the Raleigh, North Carolina News & Observer from 1996 to 2009, Zane demonstrates that good books are essential for understanding ourselves and the world around us. The one hundred and thirty columns gathered in Off the Books find that sweet spot where literature's eternal values meet the day's current events. Together they offer a literary overview of the ideas, issues, and events shaping our culture--from 9/11 and the struggle for gay rights to the decline of high culture and the rise of sensationalism and solipsism. As they plumb and draw from the work of leading writers--from William Faulkner, Knut Hamsun, and Eudora Welty to Don DeLillo, Lydia Millet, and Philip Roth--these columns make an argument not just about the pleasure of books, but about their very necessity in our lives and culture.  Free Download Objects Untimely: Object-Oriented Philosophy and Archaeology by Graham Harman, Christopher Witmore English | 2023 | ISBN: 1509556540 | 240 Pages | True PDF | 2.6 MB  Free Download Nutrition in Brain Aging and Dementia (Nutritional Neurosciences) by Nasrollah Moradikor, Indranath Chatterjee, Wael Mohamed English | August 27, 2024 | ISBN: 9819741165 | 324 pages | PDF | 10 Mb The book provides a thorough examination of the crucial connection between diet, cognitive aging, and dementia using a multidisciplinary approach. It dives into the complex area of neurology, illuminating different forms of dementia, their underlying pathophysiology, and the risk factors related to them. It explains the symptoms, diagnoses, and therapies for dementia. The book explores the effects of dietary elements like protein, micronutrients, and superfoods, demonstrating their potential to protect cognitive function. Additionally, it discusses how critical vitamins like D and B12, natural antioxidants, and trace minerals affect dementia risk and development. The book explains the use of conventional herbal medicine as a supplementary strategy to dementia therapy, evaluating its potential efficacy and safety.  Free Download Nurturing Equanimity: Building a Caring Culture By Michael Edmondson 2023 | 148 Pages | ISBN: 1637425023 | EPUB | 1 MB Nurturing Equanimity: Building A Caring Culture provides a much-needed blueprint for organizations looking to create a calm, balanced, and focused environment inviting people to thrive in both their personal and professional lives.This blueprint of nurturing equanimity to build a culture that cares is a necessity for any organization concerned about identifying, recruiting, and retaining the human capital required to create a sustainable future in today's post-COVID marketplace. Securing the right people for any organization is difficult in most markets; doing so as the economy emerges from the pandemic induced global recession challenges even the most satisfied workplace cultures. The pandemic's disruption and residue created an unstable and imbalanced culture across organizations of all sizes and in each industry that exposed numerous negative workplace characteristics many either knew, or never stopped to consider.Examples included low wages, long and unnecessary commutes, bad management, and unfulfilling work. These characteristics were symbolic of organizational cultures outdated, toxic, and imbalanced created by incompetence, inertia, and ineptitude. The pandemic allowed employees to pause, consider their life situation, and realize their lives had been imbalanced for far too long.Required reading for individuals from small-to-medium sized businesses, large corporations, non-profit organizations, and government offices, Nurturing Equanimity: Building A Culture That Cares offers employers and employees alike a valuable resource to use as they chart a course forward in a post-pandemic marketplace.  Free Download Nursing Case Studies on Improving Health-Related Quality of Life in Older Adults By Meredith Wallace Kazer; Kathy Murphy 2015 | 464 Pages | ISBN: 0826127037 | EPUB | 1 MB This globally focused resource integrates sound research evidence, real-life case scenarios, and effective, practical strategies to address a key health care initiative of the 21st century--optimal quality of life for older adults. Distinguished by its broad and global outlook, the book includes contributions from an international cadre of widely published scholars and is designed for easy integration into traditional nursing education curricula. The book explores the experiences of older adults at home, and in acute and primary care, assisted living, nursing home and hospice environments and examines their needs for dealing with multiple, differentiated health, spiritual, and emotional considerations.  Free Download Nude Descending an Empire By Sam Taylor 2014 | 105 Pages | ISBN: 0822963043 | PDF | 1 MB As a collection of politically engaged poetry for the 21st century, Nude Descending and Empire develops the lyrical voice of a citizen-poet speaking to the urgency of our contemporary moment, especially its ecological crisis. This is a book that brings all the supposed sensitivity of poetry into contact with the world we actually live in--with all its crises, madness, and modernity--and insists that we feel it all. A reader will recognize many of the urgent political issues of our time, yet will find them re-inhabited and transformed here by the imaginative power of poetry. Our great ecological crisis is cast as the fulfillment of a long history of violence, domination, lies, and alienation--in one word, empire--and the book suggests that a livable future requires that we wholly inhabit our body-heart-mind and discover a new paradigm.  Free Download Now and Forever: Towards a Theory and History of the Loop by Tilman Baumgartel English | 2023 | ISBN: 1789041511 | 394 Pages | True ePUB | 1.07 MB |
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