It’s an engaging, if in some ways infuriating, tale of how self-serving bank executives systematically broke the rules, lent with astonishing recklessness, abused customers and got suckered by Wall Street – before ultimately dumping their mess on taxpayers. Fraser doesn’t just point the finger at Royal’s clueless bankers. He also expertly chronicles the role of misguided regulations, captured supervisors and deluded politicians in fuelling this catastrophe.’ – Yves Smith, founder of Naked Capitalism and author of econned: How Unenlightened Self Interest Undermined Democracy and Corrupted Capitalism ‘This book should be posted through the letterbox of every taxpayer in Britain.’ – David Mellor, former chief secretary to the Treasury and secretary of state for National Heritage ‘Ian Fraser has spotted stories, uncovered scandals and written about them in a detailed and accessible way that leaves many other financial journalists in the dust.’ – Eamonn O’Neill, director of the MSc course in investigative journalism at the University of Strathclyde At its zenith, the Royal Bank of Scotland was the world’s biggest bank. It had assets of $3 trillion, employed over 200,000 people, had branches on every high street and was admired and trusted by millions of borrowers and investors. Now the mere mention of its name causes anger and resentment, and its former CEO, Fred Goodwin, is reviled as one of the architects of the worst financial crisis since 1929. In Shredded, Ian Fraser lifts the lid on the catastrophic mistakes that led the bank to the brink of collapse, scrutinizing the role played by RBS’s directors, who failed to check Goodwin’s hubris, the colleagues who were overawed by his despotic leadership style, the politicians who created a regulatory free-for-all in which banks went virtually unsupervised, and the investors who egged Goodwin on. As more and more toxic details emerge about the bank’s pre- and post-bailout misconduct, which stretches from the ruination of numerous small businesses in the UK and Ireland to the criminal fiddling of Yen Libor, and from the alleged manipulation of global foreign-exchange markets to the wholesale ‘mis-selling’ of US mortgage bonds, Ian Fraser examines what the future holds for RBS and whether it can ever regain the public’s trust.

    That's a mistake, says Daniel H. Pink (author of To Sell Is Human: The Surprising Truth About Motivating Others). In this provocative and persuasive new book, he asserts that the secret to high performance and satisfaction-at work, at school, and at home—is the deeply human need to direct our own lives, to learn and create new things, and to do better by ourselves and our world.Drawing on four decades of scientific research on human motivation, Pink exposes the mismatch between what science knows and what business does—and how that affects every aspect of life. He examines the three elements of true motivation—autonomy, mastery, and purpose-and offers smart and surprising techniques for putting these into action in a unique book that will change how we think and transform how we live.

    Materialism, pressure to achieve, perfectionism, and disconnection are combining to create a perfect storm that is devastating children of privilege and their parents alike.In this eye-opening, provocative, and essential book, clinical psychologist Madeline Levine explodes one child-rearing myth after another. With empathy and candor, she identifies toxic cultural influences and well-intentioned, but misguided, parenting practices that are detrimental to a child's healthy self-development. Her thoughtful, practical advice provides solutions that will enable parents to help their emotionally troubled "star" child cultivate an authentic sense of self.

    When John Hargrave first invested in cryptocurrency, the price of a single bitcoin was about $125; a few years later, that same bitcoin was worth $20,000. He wasn’t alone: this flood of new money is like the early days of the Internet, creating a new breed of “blockchain billionaires.” Sir John has unlocked their secrets. In Blockchain for Everyone, Sir John reveals the formula for investing in bitcoin and blockchain, using real-life stories, easy-to-understand examples, and a healthy helping of humor. Packed with illustrations, Blockchain for Everyone explains how (and when) to buy bitcoin, cryptocurrencies, and other blockchain assets, with step-by-step instructions. Blockchain for Everyone is the first blockchain investing book written for the layperson: a guide that helps everyone understand how to build wealth wisely. It’s the new investing manifesto!

    We still don't know how to talk about game design. We can't share our visions. We forget what works (and doesn't). We don't learn from history. It's too hard to improve.The breakthrough starts here. A Game Design Vocabulary gives us the complete game design framework we desperately need--whether we create games, study them, review them, or build businesses on them.Craft amazing experiences. Anna Anthropy and Naomi Clark share foundational principles, examples, and exercises that help you create great player experiences...complement intuition with design discipline...and craft games that succeed brilliantly on every level.Liberate yourself from stale cliches and genres Tell great stories: go way beyond cutscenes and text dumps Control the crucial relationships between game "verbs" and "objects" Wield the full power of development, conflict, climax, and resolution Shape scenes, pacing, and player choices Deepen context via art, animation, music, and sound Help players discover, understand, engage, and "talk back" to you Effectively use resistance and difficulty: the "push and pull" of games Design holistically: integrate visuals, audio, and controls Communicate a design vision everyone can understand

    The rules, policies, and institutions that have guided the world since World War II have largely run their course. Respect for sovereignty alone cannot uphold order in an age defined by global challenges from terrorism and the spread of nuclear weapons to climate change and cyberspace. Meanwhile, great power rivalry is returning. Weak states pose problems just as confounding as strong ones. The United States remains the world’s strongest country, but American foreign policy has at times made matters worse, both by what the U.S. has done and by what it has failed to do. The Middle East is in chaos, Asia is threatened by China’s rise and a reckless North Korea, and Europe, for decades the world’s most stable region, is now anything but. As Richard Haass explains, the election of Donald Trump and the unexpected vote for “Brexit” signals that many in modern democracies reject important aspects of globalization, including borders open to trade and immigrants.In A World in Disarray, Haass argues for an updated global operating system—call it world order 2.0—that reflects the reality that power is widely distributed and that borders count for less. One critical element of this adjustment will be adopting a new approach to sovereignty, one that embraces its obligations and responsibilities as well as its rights and protections. Haass also details how the U.S. should act towards China and Russia, as well as in Asia, Europe, and the Middle East. He suggests, too, what the country should do to address its dysfunctional politics, mounting debt, and the lack of agreement on the nature of its relationship with the world.A World in Disarray is a wise examination, one rich in history, of the current world, along with how we got here and what needs doing. Haass shows that the world cannot have stability or prosperity without the United States, but that the United States cannot be a force for global stability and prosperity without its politicians and citizens reaching a new understanding.

    In this latest and most important collaboration, Andy Hargreaves and Michael Fullan show how the quality of teaching is captured in a compelling new idea: the professional capital of every teacher working together in every school. Speaking out against policies that result in a teaching force that is inexperienced, inexpensive, and exhausted in short order, these two world authorities--who know teaching and leadership inside out--set out a groundbreaking new agenda to transform the future of teaching and public education.Ideas-driven, evidence-based, and strategically powerful, Professional Capital combats the tired arguments and stereotypes of teachers and teaching and shows us how to change them by demanding more of the teaching profession and more from the systems that support it. This is a book that no one connected with schools can afford to ignore.Book Features: A powerful and practical solution to what ails American schools. Action guidelines for all groups--individual teachers, administrators, schools and districts, state and federal leaders. A next-generation update of core themes from the authors' bestselling book, What's Worth Fighting for in Your School?

    They wanted to show in words and drawings what life looks like in places where the marketplace rules without constraints, where human beings and the natural world are used and then discarded to maximize profit. Days of Destruction, Days of Revolt is the searing account of their travels.The book starts in the western plains, where Native Americans were sacrificed in the giddy race for land and empire. It moves to the old manufacturing centers and coal fields that fueled the industrial revolution, but now lie depleted and in decay. It follows the steady downward spiral of American labor into the nation's produce fields and ends in Zuccotti Park where a new generation revolts against a corporate state that has handed to the young an economic, political, cultural and environmental catastrophe.

    The average young person in the UK will spend 10,000 hours gaming by the age of twenty-one. What's causing this mass exodus? According to world-renowned game designer Jane McGonigal the answer is simple: videogames are fulfilling genuine human needs. Drawing on positive psychology, cognitive science and sociology, Reality is Broken shows how game designers have hit on core truths about what makes us happy, and utilized these discoveries to astonishing effect in virtual environments. But why, McGonigal asks, should we use the power of games for escapist entertainment alone? In this groundbreaking exploration of the power and future of gaming, she reveals how gamers have become expert problem solvers and collaborators, and shows how we can use the lessons of game design to socially positive ends, be it in our own lives, our communities or our businesses. Written for gamers and non-gamers alike, Reality is Broken sends a clear and provocative message: the future will belong to those who can understand, design and play games.

    But as Michael Chwe reveals in his insightful new book, Jane Austen explored game theory's core ideas in her six novels roughly two hundred years ago. Jane Austen, Game Theorist shows how this beloved writer theorized choice and preferences, prized strategic thinking, argued that jointly strategizing with a partner is the surest foundation for intimacy, and analyzed why superiors are often strategically clueless about inferiors. With a diverse range of literature and folktales, this book illustrates the wide relevance of game theory and how, fundamentally, we are all strategic thinkers.Although game theory's mathematical development began in the Cold War 1950s, Chwe finds that game theory has earlier subversive historical roots in Austen's novels and in folk game theory traditions, including African American folktales. Chwe makes the case that these literary forebears are game theory's true scientific predecessors. He considers how Austen in particular analyzed cluelessness--the conspicuous absence of strategic thinking--and how her sharp observations apply to a variety of situations, including U.S. military blunders in Iraq and Vietnam.Jane Austen, Game Theorist brings together the study of literature and social science in an original and surprising way.

    The same rules regulate the exchange of grooming behavior in rhesus macaques or chimpanzees. Interestingly, some of the major aspects of human nature have profound commonalities with our ape ancestors: the violence of war, the intensity of love, the need to live together. While we often assume that our behavior in everyday situations reflects our unique personalities, the choices we freely make, or the influences of our environment, we rarely consider that others behave in these situations in almost the exact the same way as we do. In Games Primates Play, primatologist Dario Maestripieri examines the curious unspoken customs that govern our behavior. These patterns and customs appear to be motivated by free will, yet they are so similar from person to person, and across species, that they reveal much more than our selected choices.Games Primates Play uncovers our evolutionary legacy: the subtle codes that govern our behavior are the result of millions of years of evolution, predating the emergence of modern humans. To understand the rules that govern primate games and our social interactions, Maestripieri arms readers with knowledge of the scientific principles that ethologists, psychologists, economists, and other behavioral scientists have discovered in their quest to unravel the complexities of behavior. As he realizes, everything from how we write emails to how we make love is determined by the legacy of our primate roots and the conditions that existed so long ago. An idiosyncratic and witty approach to our deep and complex origins, Games Primates Play reveals the ways in which our primate nature drives so much of our lives.

    The women just don't ask. It turns out that whether they want higher salaries or more help at home, women often find it hard to ask. Sometimes they don't know that change is possible--they don't know that they can ask. Sometimes they fear that asking may damage a relationship. And sometimes they don't ask because they've learned that society can react badly to women asserting their own needs and desires.By looking at the barriers holding women back and the social forces constraining them, Women Don't Ask shows women how to reframe their interactions and more accurately evaluate their opportunities. It teaches them how to ask for what they want in ways that feel comfortable and possible, taking into account the impact of asking on their relationships. And it teaches all of us how to recognize the ways in which our institutions, child-rearing practices, and unspoken assumptions perpetuate inequalities--inequalities that are not only fundamentally unfair but also inefficient and economically unsound.With women's progress toward full economic and social equality stalled, women's lives becoming increasingly complex, and the structures of businesses changing, the ability to negotiate is no longer a luxury but a necessity. Drawing on research in psychology, sociology, economics, and organizational behavior as well as dozens of interviews with men and women from all walks of life, Women Don't Ask is the first book to identify the dramatic difference between men and women in their propensity to negotiate for what they want. It tells women how to ask, and why they should.

    You meet someone new—at a party or at work—and you just hit it off. There is an instant sense of camaraderie. In a word, you “click.” From the bestselling authors of Sway, Click is a fascinating psychological investigation of the forces behind what makes us click with certain people, or become fully immersed in whatever activity or situation we’re involved in.    From two co-workers who fall head over heels for each other while out to dinner and are married a month later (and fifteen years later remain just as in love), to a team of scientists who changed the world with the magic of their invention, these kinds of peak experiences, when our senses are completely focused on the moment, are something that individuals—and companies—strive to achieve. After all, when you’re in the “zone,” you’re happier and more productive. Why is it that we click in certain situations and with certain people, but not with others? Can this kind of magical connection be consciously encouraged?  Is there a way to create such peak experiences, whether on a date or in your job?   According to Ori and Rom Brafman, there is.  In a powerful, story-driven narrative that weaves together cutting-edge research in psychology and sociology, the Brafmans explore what it means to “click”: the common factors present when our brain and senses are fully engaged. They identify five “accelerators” that increase the likelihood of these kinds of magic connections in our work and relationships.  From actors vying for a role on a popular TV series to police officers negotiating with hostage takers, we learn how one can foster an environment where we can click with another person and shape our thinking, behavior, and emotions.  A fascinating journey into how we engage with the world around us, Click will transform our thinking about those moments when we are in the zone and everything seems to fall into place. Acclaim for Sway:“A provocative new book about the psychological forces that lead us to disregard facts or logic and behave in surprisingly irrational ways.” –New York Times “A unique and compulsively readable look at unseen behavioral trends.” –Fortune"A breathtaking book that will challenge your every thought, Sway hovers above the intersection of Blink and Freakonomics."--Tom Rath, coauthor of the New York Times #1 bestseller How Full Is Your Bucket?“[An] engaging journey through the workings—and failings—of the mind…Their stories of senselessness…are as fascinating as the lessons we learn from them.” –Fast Company"Count me swayed--but in this instance by the pull of entirely rational forces. Ori and Rom Brafman have done a terrific job of illuminating deep-seated tendencies that skew our behavior in ways that can range from silly to deadly. We'd be fools not to learn what they have to teach us."--Robert B. Cialdini, author of New York Times bestseller Influence"If you think you know how you think, you'd better think again! Take this insightful, delightful trip to the sweet spot where economics, psychology, and sociology converge, and you'll discover how our all-too-human minds actually work."--Alan M. Webber, founding editor of Fast Company

    

    This highly accessible book is aimed at anyone who wants to improve their financial situation, from the financial novice who needs clear basic guidelines on how to deal with money to those who are more financially savvy but want to supplement their knowledge. Covering a range of topics, from saving, investing, debt management, buying a house to blunders to avoid, Become Your Own Financial Advisor provides people of all ages and levels of wealth with practical information on how to improve their finances. And, in the process, proves that financial freedom is possible for everyone.