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The individual risks faced by banks, insurers, and marketers are less well understood than aggregate risks such as market-price changes. But the risks incurred or carried by individual people, companies, insurance policies, or credit agreements can be just as devastating as macroevents such as share-price fluctuations. A comprehensive introduction, The Econometrics of Individual Risk is the first book to provide a complete econometric methodology for quantifying and managing this underappreciated but important variety of risk. The book presents a course in the econometric theory of individual risk illustrated by empirical examples. And, unlike other texts, it is focused entirely on solving the actual individual risk problems businesses confront today.  Christian Gourieroux and Joann Jasiak emphasize the microeconometric aspect of risk analysis by extensively discussing practical problems such as retail credit scoring, credit card transaction dynamics, and profit maximization in promotional mailing. They address regulatory issues in sections on computing the minimum capital reserve for coverage of potential losses, and on the credit-risk measure CreditVar.  The book will interest graduate students in economics, business, finance, and actuarial studies, as well as actuaries and financial analysts.

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Political Foundations of Judicial Supremacy: The Presidency, the Supreme Court, and Constitutional Leadership in U.S. History

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The Presidency, the Supreme Court, and Constitutional Leadership in U.S. History

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Should the Supreme Court have the last word when it comes to interpreting the Constitution? The justices on the Supreme Court certainly seem to think so--and their critics say that this position threatens democracy. But Keith Whittington argues that the Court's justices have not simply seized power and circumvented politics. The justices have had power thrust upon them--by politicians, for the benefit of politicians. In this sweeping political history of judicial supremacy in America, Whittington shows that presidents and political leaders of all stripes have worked to put the Court on a pedestal and have encouraged its justices to accept the role of ultimate interpreters of the Constitution.  Whittington examines why presidents have often found judicial supremacy to be in their best interest, why they have rarely assumed responsibility for interpreting the Constitution, and why constitutional leadership has often been passed to the courts. The unprecedented assertiveness of the Rehnquist Court in striking down acts of Congress is only the most recent example of a development that began with the founding generation itself. Presidential bids for constitutional leadership have been rare, but reflect the temporary political advantage in doing so. Far more often, presidents have cooperated in increasing the Court's power and encouraging its activism. Challenging the conventional wisdom that judges have usurped democracy, Whittington shows that judicial supremacy is the product of democratic politics.

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Over the past several years, privately run, publicly funded charter schools have been sold to the American public as an education alternative promising better student achievement, greater parent satisfaction, and more vibrant school communities. But are charter schools delivering on their promise? Or are they just hype as critics contend, a costly experiment that is bleeding tax dollars from public schools? In this book, Jack Buckley and Mark Schneider tackle these questions about one of the thorniest policy reforms in the nation today.  Using an exceptionally rigorous research approach, the authors investigate charter schools in Washington, D.C., carefully examining school data going back more than a decade, interpreting scores of interviews with parents, students, and teachers, and meticulously measuring how charter schools perform compared to traditional public schools. Their conclusions are sobering.  Buckley and Schneider show that charter-school students are not outperforming students in traditional public schools, that the quality of charter-school education varies widely from school to school, and that parent enthusiasm for charter schools starts out strong but fades over time. And they argue that while charter schools may meet the most basic test of sound public policy--they do no harm--the evidence suggests they all too often fall short of advocates' claims.  With the future of charter schools--and perhaps public education as a whole--hanging in the balance, this book supports the case for holding charter schools more accountable and brings us considerably nearer to resolving this contentious debate.

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Legitimacy and Power in the United Nations Security Council

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The politics of legitimacy is central to international relations. When states perceive an international organization as legitimate, they defer to it, associate themselves with it, and invoke its symbols. Examining the United Nations Security Council, Ian Hurd demonstrates how legitimacy is created, used, and contested in international relations. The Council's authority depends on its legitimacy, and therefore its legitimation and delegitimation are of the highest importance to states.  Through an examination of the politics of the Security Council, including the Iraq invasion and the negotiating history of the United Nations Charter, Hurd shows that when states use the Council's legitimacy for their own purposes, they reaffirm its stature and find themselves contributing to its authority. Case studies of the Libyan sanctions, peacekeeping efforts, and the symbolic politics of the Council demonstrate how the legitimacy of the Council shapes world politics and how legitimated authority can be transferred from states to international organizations. With authority shared between states and other institutions, the interstate system is not a realm of anarchy. Sovereignty is distributed among institutions that have power because they are perceived as legitimate.  This book's innovative approach to international organizations and international relations theory lends new insight into interactions between sovereign states and the United Nations, and between legitimacy and the exercise of power in international relations.

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Multiculturalism and Its Discontents in the Netherlands

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In 2004, Dutch filmmaker Theo van Gogh was brutally murdered on a busy Amsterdam street. His killer was Mohammed Bouyeri, a twenty-six-year-old Dutch Moroccan offended by van Gogh's controversial film about Muslim suppression of women. The Dutch government had funded separate schools, housing projects, broadcast media, and community organizations for Muslim immigrants, all under the umbrella of multiculturalism. But the reality of terrorism and radicalization of Muslim immigrants has shattered that dream.  In this arresting book, Paul Sniderman and Louk Hagendoorn demonstrate that there are deep conflicts of values in the Netherlands. In the eyes of the Dutch, for example, Muslims oppress women, treating them as inferior to men. In the eyes of Muslim immigrants, Western Europeans deny women the respect they deserve. Western Europe has become a cultural conflict zone. Two ways of life are colliding.  Sniderman and Hagendoorn show how identity politics contributed to this crisis. The very policies meant to persuade majority and minority that they are part of the same society strengthened their view that they belong to different societies. At the deepest level, the authors' findings suggest, the issue that government and citizens need to be concerned about is not a conflict of values but a clash of fundamental loyalties.

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This book is a practical introduction to readily available techniques, frameworks, and tools to thoroughly test your Android applications and improve project development. You will learn the Java testing framework, how to create a test case and debug it. Next, you'll be walked through using the Android SDK to test using the ActivityTestCase and ActivityUnitTest classes as well as discussing popular testing libraries. Through examples you will test files, databases, ContentProviders, exceptions, services, and test your app using Espresso. You will discover how to manage your Android testing environment using Android emulators, deep dive into how adb and the emulator can super charge your testing automation, and also test user interactions with monkeyrunner. You will be guided through different testing methodologies including Test-driven Development and Behavior-driven Development and will learn how to perform Unit and Functional testing applying them to your Android projects. You will also use continuous integration techniques for ultimate application quality control using Gradle and Jenkins. By the end of the book, you'll be looking through alternative testing tactics including Fest and Spoon to build upon and expand your Android testing range and finesse. 

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Mastering Apache Cassandra - Second Edition

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With ever increasing rates of data creation comes the demand to store data as fast and reliably as possible, a demand met by modern databases such as Cassandra. Apache Cassandra is the perfect choice for building fault tolerant and scalable databases. Through this practical guide, you will program pragmatically and understand completely the power of Cassandra. Starting with a brief recap of the basics to get everyone up and running, you will move on to deploy and monitor a production setup, dive under the hood, and optimize and integrate it with other software. You will explore the integration and interaction of Cassandra components, and explore great new features such as CQL3, vnodes, lightweight transactions, and triggers. Finally, by learning Hadoop and Pig, you will be able to analyze your big data. 

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Salesforce.com is the leading CRM platform. It offers cloud functionality even at the enterprise level. One of its most powerful features is the ability to build reports and dashboards without code and get a result in minutes. This feature is useful for multinational companies as well as small-scale ones. Salesforce Reporting and Dashboards provides practical information for system administrators to understand, control, and manage permissions related to the report folder, report, and dashboard management. This book starts with an overview of the entire Salesforce technology and then moves on to the more important topics of allocating permissions and choosing the correct reports to improve efficiency. The book then explores reportscreation, editing, navigation, and deletion. You will also learn which report is essential to which type of users. The next topic introduced is the dashboard feature, its main uses, and functionality. 

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QGIS Python Programming will teach you how to write Python code that works with spatial data to automate geoprocessing tasks in QGIS. It will cover topics such as querying and editing vector data and using raster data. You will also learn to create, edit, and optimize a vector layer for faster queries, reproject a vector layer, reduce the number of vertices in a vector layer without losing critical data, and convert a raster to a vector. Following this, you will come across recipes that will help you to compose static maps, create heavily customized maps, and add specialized labels and annotations. Apart from this, the book will also share a few tips and tricks based on different aspects of QGIS. 

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GameMaker: Studio is a great game engine that can be used to publish games to a variety of platforms. It is one of the most versatile game creation tools for professional and beginner game developers alike. Starting with the basics of learning how to install GameMaker, this book will take you all the way through to publishing your games online. Compiled with detailed instructions and images, this book starts by showing you how the GameMaker: Studio interface looks and works. After this, you'll move on to learning about resources such as sprites, paths, sounds, and more available in GameMaker, and what each resource is used for. We then move into the GameMaker Language (GML) and learn programing techniques including how variables are set up and what functions are and how they work. You'll understand how to manipulate GameMaker resources using GML. Following this, you will then make your very first GameMaker game using a combination of resources and programing techniques, and learn how to advertise your game and generate revenue and publicity for it. You can then export and publish your games across desktop and mobile platforms. 

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Cocos2d-x by Example: Beginner's Guide - Second Edition

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Upgraded and updated, the powerful and popular open source framework Cocos2d-x is better than ever. Through step-by-step tutorials, you'll learn how to take complete advantage of the framework. You'll learn how to add animations and special effects, implement a physics engine, optimize your games, prepare a project for multiple devices, and develop game ideas from the test version to a finished project. Most importantly, this book provides you with the accumulated knowledge of thousands of game developers, all packed into one easy-to-use and proven framework that will save time and strenuous thinking! 

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The 5 Principles of Disney Service and Relationship Excellence

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Bring Disney-level customer experience to your organization with insider guidance The Experience is a unique guide to mastering the art of customer service and service relationships, based on the principles employed at the renowned leader in customer experience Aa the Walt Disney Company. Co-Author Bruce Loeffler spent ten years at Disney World overseeing service excellence, and has partnered with Brian T. Church in this book, to show you how to bring that same level of care and value to your own organization. Based on the I. C.A.R.E. model, the five principles a Impression, Connection, Attitude, Response, and Exceptionals a give you a solid framework upon which to raise the level of your customer experience. You will learn how to identify your customer service issues and what level of Experience you are currently offering. You can then determine exactly what the "customer experience" should be for your company, and the changes required to make it happen. The Walt Disney Company is the most recognized name in the world for customer service. The "Disney Experience" draws customers from all around the world,. This book describes what it takes to achieve that level of Experience, and how any organization can do it with the right strategy and attention to detail. When the Experience is enhanced, the opportunity arises to convert customers to ambassadors who will share their Experience with others.  Find "the experience" and what it means to the Organization Learn the five levels of experience, and why most companies fail at it Identify service problems that face every company in the marketplace   Utilize the Experience Quotient and apply the I. C.A.R.E. principles Learn how to convert customers to ambassadors who share their story with others  Customers are the lifeblood of business. A great product offering isn't enough in today's marketplace, where everyone's looking for an "experience.a Imagine the kind of value a Disney-level customer experience could bring to your organization. The Experience is a guide to getting there, from an insider's perspective.

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The revised and expanded edition of a popular book trusted in classrooms across the country, Behavior Support is your guide to implementing effective positive behavior support (PBS)both in the classroom and across an entire school. You'll get explicit, research-based strategies for implementing the three tiers of PBS: universal, school-wide interventions; selected interventions with students exhibiting risk behaviors; and specialized interventions with students who need intensive, individualized help.
Packed with updated strategies on hot topics, redesigned forms, and the newest research on multitiered systems of support, this new edition will help you support positive changes in your students' behaviorso you can keep the focus on learning. (Ideal for both in-service teacher training and college and university courses!)
RESEARCH-BASED STRATEGIES FOR HELPING STUDENTS: Stop challenging behavior before it startsImprove communication, social, and self-control skillsForm positive, respectful relationships with classmates, teachers, and other community membersTake a more active part in their school, classroom, and community
WHAT'S NEW: More research and strategies on key topics, including bullying prevention, safe and responsive school climates, functional assessment, and individual student interventions. You'll also get more explicit step-by-step instructions, new case examples, tips on sustaining PBS in your school, redesigned forms that are practical and easy to use, and focusing questions for each chapter that highlight key takeaways. This revised and expanded edition is your guide to implementing effective positive behavior support. Includes more on bullying prevention, safe and responsive school climates, and functional behavior analysis.

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Linda M. Bambara, Rachel Janney, Martha E. Snell

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Learning Disabilities and Challenging Behaviors

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Using the Building Blocks Model to Guide Intervention and Classroom Management, Third Edition

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Why do students in Grades K12 struggle with social and academic skills, and how can teachers help them develop the competence and confidence they need to succeed? Get practical answers in the new edition of this bestselling book, a staple of teacher training since 2001. It's structured like the popular previous editions: a detailed questionnaire pinpoints each student's individual strengths and needs, and an updated version of the highly effective Building Blocks model helps educators target 12 school success factors with proven strategies and guidelines they can use right away. Reliable, up-to-date research makes this a perfect preservice textbook, and the classroom-ready strategies are a lifeline for in-service teachers as they work toward better outcomes for struggling students.HELP STUDENTS MASTER 12 BUILDING BLOCKS OF LEARNING: Self-RegulationBehaviorEmotionsResiliencePhonologicalOrthographicMemoryMotor Automaticity/EfficiencyVerbal Nonverbal Executive FunctionsWHAT'S NEW: New indepth information on today's most critical topics, including school climate, multi tiered systems of support (MTSS), positive behavior interventions and supports (PBIS), social emotional learning, and studentteacher interactions. You'll also get fresh contributions from experts on learning disabilities and behavior challenges, plus lists of helpful apps and other online resources.

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Nancy Mather, Sam Goldstein, Katie Eklund, Elaine Cheesman, Deborah Rhein, Annmarie Urso

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Many things that we experience in life often cannot be explained away by human efforts to quantify them with science.  The steady increase in the number of these events serve only to fuel our suspicions that there is far more to life and existence than what we can see with our eyes.  Are you brave enough to take off the lid of Pandora's box and look inside? 
This book takes you through the ancient wisdom of the Creation Story from the original Source and Spark of life, through to the wonders of All Life.  This Poetry of Peisse should cause you to stop, listen and think.

Why are there so many wars?
Why does everyone insist that they are different to every one else?
Why do they insist that only their religion or their interpretation of God is right?
Why do they all insist that only their way is the right way?

We are one.  You, me and all the others;
all of creation has mothers, fathers, sisters and brothers.
Earth people, star people, plant and animal;
all are one at a very primordial level.

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A Book for Grown-Ups About Children's Mathematics

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This book is the result of a unique experience: a research mathematician teaching in an elementary school. It tells about a fascinating discovery made by the author  that elementary mathematics has a lot of depth and beauty, and that the secret to its teaching is in understanding its deep points.The first part of the book discusses the nature of mathematics and its beauty. The second part tells about the teaching principles the author distilled from his experience. The third part is an excursion through the arithmetic studied in elementary school, accompanied by personal stories, historical anecdotes and teaching suggestions. The appendix relates the fascinating story of modern day politics of mathematical education.The book was a bestseller in Israel, and has been translated into many languages. The extraordinary combination of mathematical and didactic insights makes it an essential guide for parents and teachers alike.

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Photographic Composition offers 250 beautiful black-and-white photographs to illustrate key concepts that will greatly improve your photographic eye and your ability to compose an ideal image.

All fine artists share a common goal: to combine individual elements into a convincing, cohesive whole that tells a story or expresses an intention. Photography is especially suited to this pursuit because the photographer can create multiple, distinct images of a single subject using a variety of design techniques. The display on a digital camera instantly shows the arrangement of elements in an image, allowing the photographer to make changes and refine their creation as they work.

Albrecht Rissler believes that a firm understanding of image design is as important as having an observant eye or having the technical knowledge to operate a camera. Photographic Composition presents the most important concepts of image design and offers 250 beautiful photographs to illustrate these concepts. By applying these concepts to your own work, you will greatly improve your photographic eye and your ability to compose an ideal image.

This book's impressive images are in black-and-white, intentionally removing the distraction of color and making it easy to focus on compositional elements and form. With this book, photographers as well as all visual artists will learn how to infuse their own images with excitement, develop and hone their visual language, and express their personal artistic aesthetic.

Topics include:
The effect of various aspect ratiosPerspective and compositionForm and contrastProportion and harmonySymmetry and asymmetryBrightness and darknessStructures and texturesThe "perfect moment"

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Photographing birds in your backyard is a convenient, rewarding, and addictive adventure. Secrets of Backyard Bird Photography is a guide to that pursuit. In this book, author and wildlife photographer J. Chris Hansen teaches techniques for creating professional-quality images of the subjects right in your yard.

This book covers all aspects of backyard bird photography, including the best camera equipment to use and the basics of attracting birds using bird feeders, perches, backgrounds, and photo blinds. You'll learn about the common camera settings and composition styles used to create outstanding backyard bird images.

This book also offers ideas and examples of ways to exhibit your photography, including step-by-step instructions for a variety of fun, easy projects for the do-it-yourselfer. Secrets of Backyard Bird Photography contains a collection of beautiful, detailed images that illustrate the important aspects of creating stunning photographs of the birds right in your backyard.

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Underwater photography is a fascinating pursuit for those who aspire to capture the magical world found within our oceans and bring it to the surface. In this book, award-winning photographer Tobias Friedrich teaches us how to create stunning underwater images, covering everything from the equipment needed, to creating powerful compositions, to processing the final image. He uses case studies to show how his own images were created, and provides detailed explanations for specific techniques that can be applied to your very next dive.

The text is supported by images from some of the most beautiful diving areas on Earth. Also included are countless tips and tricks for the beginner and intermediate photographer.

Topics include:

Choosing the right equipmentComposing your imagesWide-angle photographyMacro photographyImage editingCase studiesDiagrams of shooting positionsAn added bonus is the 22-page Guest Gallery featuring images by some of today's most recognized names in underwater photography, including Ernie Brooks, Alex Mustard, Richard Salas, Imran Ahmad, and Eric Cheng.

The abundance of breathtaking underwater images contained in this book is sure to inspire you to plan your next dive.

Foreword by Ernie Brooks.

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The Fujifilm X-E2: Beyond the Manual provides experience-based information and insights for owners of the Fujifilm X-E2 mirrorless system camera. Fuji X-Pert series author Rico Pfirstinger teaches little-known capabilities of the X-E2 that he's discovered through several months of in-depth research. This book focuses on insights that you won't find in the manual, skipping tedious explanations of basic camera functions and operations. Instead, it cuts to the chase and provides readers with a plethora of tips and practical instructions that will enable them to fully explore the capabilities of the X-E2.

The X-E2 combines classic design with state-of-the-art digital camera technology originally seen in the X-Pro1 and X-E1 system cameras. These features have been further improved to achieve the X-E2: Fujifilm's most capable camera to-date, with an ever-growing set of already more than ten interchangeable X-Mount lenses. The Fujifilm X-E2: Beyond the Manual presents numerous tips and tricks that will maximize your ability to use the Fujifilm X-E2 to its full potential.