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Описание:
For nearly two decades, countless non-profits in the U.S. were forced to pay big banks enormous sums of money to settle or terminate bilateral contracts known as Interest Rate Swaps (IRSs). Officials at non-profits had entered into these costly contracts unaware that each contract has only one winner, and that big banks did not intend to be the losers. The effects of such monetary transfers have been catastrophic. Money-strapped non-profits had to dismiss schoolteachers, shut off water supply to thousands of poor households, and downsize many other essential public services. Local and state governments, public school districts, universities, hospitals and transit authorities from New York to Los Angeles have been among the largest hit. This book presents selected cases and highlights the lack of evidence that decision makers at non-profits had fully understood the terms and complexities of IRSs. The evident unequal bargaining power thus gives rise to the high likelihood of unconscionable contracting. Additionally, for terminating these contracts, big banks collected huge sums of money for services that had not been, and will never be, rendered. Accordingly, questions arise as to whether these termination payments are tantamount to unjust enrichment.

Описание:
Healthcare for all at affordable prices is still a major but universally elusive goal. Everyone spends money on healthcare, and it is the most impoverishing consumption item. Thus, most governments (and the United Nations) promote Universal Health Coverage - each country's unique blend of tools for healthcare financing, including taxes, subsidies and market controls. Most people in low and middle-income countries (LMICs) have no health insurance of any kind. And most LMIC governments lack the political will, information, or resources to require their citizens to buy health insurance themselves or to subsidize insurance for all who cannot afford the price. This book deals with financing voluntary and contributory health insurance for resource-poor and rural groups in LMICs. This book addresses three issues. The first is how to catalyse demand for health insurance and develop insurance literacy among the largely illiterate and innumerate target population, using training programs to build an enabling consensus, allowing locals to create and administer such schemes. The second involves the process of developing simplified methods for risk assessment, which can help to underwrite risks, price the micro health insurance schemes, and ensure proper implementation. The third issue is formulating a compelling business case which would make this health insurance affordable, financially sustainable, and operationally scalable. This book develops insurance education and financial literacy for students of economics, business administration, insurance, development studies, and social work to prepare them for practical work as implementers, policymakers, or evaluators. A supplementary section for teachers and students includes comprehension questions.

Описание:
Since the last Edition of Ophthalmology Examinations Review, there has been major new discovery in the understanding of common eye diseases, and new treatments and diagnostic procedures have been refined or newly developed. A revised Edition reflecting these changes is warranted at this time. The aim and scope of the book will be consistent with the previous two editions in that it will provide a broad review for the final year ophthalmology resident and trainees taking the specialist ophthalmology examinations. The book deals primarily with key facts and topics that are important from an examination perspective. Only information and facts that are considered relevant and critical to the exams are covered, with topics that may be of scientific interest, but are not common to exams specifically left out. This book will help the resident organize and synthesize knowledge acquired from various other sources or textbooks. While not meant to replace standard textbooks, enough information is contained within the book to serve as the main revision text nearer the exams.The style and format of this book is intentionally didactic, with questions and short answers. The answer includes a "model opening statement", followed by a classification system to aid organization of facts and then by the bulk of the answer in concise short notes. Exam Tips are inserted to provide an insight into how to answer different types of questions and when appropriate, a Clinical Approach section is also included. In the new edition, topics such as new understanding of disease mechanisms, new investigations (e.g. OCT), and new procedures and treatment (e.g. use of anti-vascular endothelial growth factors, new refractive surgical techniques, new corneal transplant) are covered.