In clear and lively writing, the authors explain how the payments systems work, how they evolved, who uses them, who provides them, who profits from them, and how they are changing. Anyone in the payments industry – or needing to use payments products – can benefit from understanding this. The third edition updates information about each system, adds a chapter on payments innovation, and includes a glossary of industry terminology.

    I knew it wasn't an accident, even though the medics and police never suspected suicide. Stuart had been talking about ending his life for a year. His most recent suicide attempt had been only three weeks earlier. Afterwards, he explained that day as the most peaceful day of his life. Sitting next to the dam, he smoked his last cigarette. He drank a hundred sleeping pills and did a final check to make sure everything would look like an accident. The last thing he remembered was swimming out into the crystal clear water. He said that he was no longer scared of dying, that there was nothing scary about it. Living was the scary thing.It Rains In February: A Wife's Memoir of Love and Loss is the true story of a husband's depression and obsession, not only with another woman, but also with ending his life. In this honest and heartfelt narrative, Leila Summers weaves a compelling tale of the year that led up to Stuart's suicide and the grief and self discovery that followed. Although each suicide is unique, this book gives the reader an insider's view from one perspective by way of letters and email messages.

    After her brother dies, her isolation deepens as she withdraws into herself, shutting out her friends and boyfriend. Her parents, shattered by their own sorrow, fail to notice Scarlett's pain and sudden alarming thinness. Scarlett finds pleasure only on her horse, escaping to the heart of the island on long, solitary rides. One day, as she races around a bend, Scarlett is startled by a boy who raises his hand in warning and says one word: "Stop." The boy—intense, beautiful—is Will Cohen, a newcomer to the island. For reasons he can't or won't explain, he's drawn to Scarlett and feels compelled to keep her safe. To keep her from wasting away. His meddling irritates Scarlett, though she can't deny her attraction to him. As their relationship blossoms into love, Scarlett's body slowly awakens at Will's touch. But just when her grief begins to ebb, she makes a startling discovery about Will, a discovery he's been grappling with himself. A discovery that threatens to force them apart. And if it does, Scarlett fears she will unravel all over again.

    She is one of a handful of western women who have joined the international recruits to the Kurdish forces in Syria and is the first woman fighter to tell her story.Joanna was born to Iranian-Kurdish parents in a refugee camp in Iraq, before her family were accepted in to Denmark. During the Arab Spring, Joanna realized she needed to do something to protect the values she believes in, and the culture she loves. Leaving behind her life as a student, Joanna underwent considerable military training and travelled to the Middle East, where she spent time over several years fighting on the front line, including at the devastating battle for Kobani.

    The detective who checked it out soon discovered she was a welfare cheat who drove a Cadillac to collect ill-gotten government checks. And that was just the beginning: Taylor, it turned out, was also a kidnapper, and possibly a murderer. A desperately ill teacher, a combat-traumatized Marine, an elderly woman hungry for companionship; after Taylor came into their lives, all three ended up dead under suspicious circumstances. But nobody--not the journalists who touted her story, not the police, and not presidential candidate Ronald Reagan--seemed to care about anything but her welfare thievery.Growing up in the Jim Crow South, Taylor was made an outcast because of her color. As she rose to infamy, the press and politicians manipulated her image to demonize poor black women. Part social history, part true-crime investigation, Josh Levin's mesmerizing book, the product of six years of reporting and research, is a fascinating account of American racism and an expose of the "welfare queen" myth, one that fueled political debates that reverberate to this day. The Queen tells, for the first time, the fascinating story of what was done to Linda Taylor, what she did to others, and what was done in her name.

    That's what Ben Lindbergh and Sam Miller got to do when the Sonoma Stompers, an independent minor-league team in California, offered them the chance to run the team's baseball operations according to the most advanced statistics. The Only Rule Is It Has to Work is unlike any other baseball tale you've ever read.We tag along as Lindbergh and Miller apply their number-crunching insights to all aspects of assembling and running a team. We meet colorful figures like general manager Theo Fightmaster and boundary-breakers like the first openly gay professional player and the first Japanese manager in American professional baseball. Even José Canseco makes a cameo appearance.Will sabermetrics bring the Stompers a championship, or will they fall on their face? Will the team have a competitive advantage or is the old folk wisdom really true after all? Will the players be able to maximize their talents and attract the attention of big-league scouts, or will this be a fast track to oblivion?It's a wild ride, as the authors' infectious enthusiasm and feel for the absurd make the Stompers' story one that will speak to numbers geeks and traditionalists alike. And it proves that you don't need a bat or a glove to make a genuine contribution to the game.

    Egypt’s 2011 revolt was no exception. The military’s abandonment of Mubarak—a turning point for the revolt—confounded many observers, who assumed that the leader and the generals stood or fell together. The officers, it was thought, ruled from behind the scenes and simply swapped the figures in the spotlight to preserve the status quo.In a challenge to this conventional view, Hazem Kandil presents the revolution as the latest episode in an ongoing power struggle between the three components of Egypt’s authoritarian regime: the military, the security services, and the political apparatus. A detailed study of the interactions within this invidious triangle over six decades of war, conspiracy, and sociopolitical transformation, Soldiers, Spies, and Statesmen is the first systematic analysis of how Egypt metamorphosed from a military into a police state—and what that means for the future of its revolution.

    From deal sourcing to exit, LBOs to responsible investing, operational value creation to risk management, the book systematically distils the essence of private equity into core concepts and explains in detail the dynamics of venture capital, growth equity and buyout transactions. With a foreword by Henry Kravis, Co-Chairman and Co-CEO of KKR, and special guest comments by senior PE professionals.   This book combines insights from leading academics and practitioners and was carefully structured to offer: A clear and concise reference for the industry expert A step-by-step guide for students and casual observers of the industry A theoretical companion to the INSEAD case book Private Equity in Action: Case Studies from Developed and Emerging Markets Features guest comments by senior PE professionals from the firms listed below: Abraaj • Adams Street Partners • Apax Partners • Baring PE Asia • Bridgepoint • The Carlyle Group • Coller Capital • Debevoise & Plimpton LLP • FMO • Foundry Group • Freshfields Bruckhaus Deringer • General Atlantic • ILPA • Intermediate Capital Group • KKR Capstone • LPEQ • Maxeda • Navis Capital • Northleaf Capital • Oaktree Capital • Partners Group • Permira • Terra Firma

    First published in 1970, the book seeks to explain the causes for the 13 May 1969 riots in Kuala Lumpur.Dr Mahathir sets out his view as to why the Malays are economically backward and why they feel they must insist upon immigrants becoming real Malaysians speaking in due course nothing but Malay, as do immigrants to America or Australia speak nothing but the language of what the author calls “the definitive people”. He argues that the Malays are the rightful owners of Malaya. He also argues that immigrants are guests until properly absorbed, and that they are not properly absorbed until they have abandoned the language and culture of their past.

    The American Civil War is ending. Eighteen years after the famine ship Star of the Sea docked at New York, the daughter of two of her passengers sets out from Baton Rouge, Louisiana, on a walk across a devastated America. Eliza Duane Mooney is searching for a young boy she has not seen in four years, one of the hundred thousand children drawn into the war. His fate has been mysterious and will prove extraordinary.It's a walk that will have consequences for many seemingly unconnected survivors: a love-struck cartographer, a haunted Latina poetess, rebel guerrilla Cole McLaurenson, runaway slave Elizabeth Longstreet and the mercurial revolutionary James Con O'Keeffe, who commanded a brigade of Irish immigrants in the Union Army and is now Governor of a western wilderness where nothing is as it seems.Redemption Falls is a tale of war and forgiveness, of strangers in a strange land, of love put to the ultimate test. Packed with music, balladry, poetry and storytelling, this is a riveting historical novel of urgent contemporary resonance, from the author of the internationally bestselling Star of the Sea.

    Much more than reason or tradition, it is our emotions that determine our choice of profession, partner, and politics, and our relation to money, sex, and religion. Nothing can make us feel more alive, or more human, than our emotions, or hurt us more. Yet, the emotions are utterly neglected by our system of education, leading to millions of mis-lived lives.This book proposes to redress the balance, exploring over 30 emotions and drawing some powerful and astonishing conclusions along the way. Areas covered include: depression, anxiety, anger, boredom, laziness, guilt, envy, greed, ambition, lust, sadomasochism, humiliation, loneliness, courage, empathy, friendship, love, self-esteem, and much much more. Reviews Burton is never short of an interesting and sharp judgment. --Prof Peter Toohey, Psychology Today[Heaven and Hell] challenges our understanding of emotions we experience but do not really think about... a fascinating read. --British Medical Association Book Awards

    She found that navigating the basics of everyday life—from buying a cell phone and filing taxes to education and childcare—was much more complicated and stressful than anything she encountered in her homeland. At first, she attributed her crippling anxiety to the difficulty of adapting to a freewheeling new culture. But as she got to know Americans better, she discovered they shared her deep apprehension. To understand why life is so different in the U.S. and Finland, Partanen began to look closely at both.In The Nordic Theory of Everything, Partanen compares and contrasts life in the United States with life in the Nordic region, focusing on four key relationships—parents and children, men and women, employees and employers, and government and citizens. She debunks criticism that Nordic countries are socialist “nanny states,” revealing instead that it is we Americans who are far more enmeshed in unhealthy dependencies than we realize. As Partanen explains step by step, the Nordic approach allows citizens to enjoy more individual freedom and independence than we do.Partanen wants to open Americans’ eyes to how much better things can be—to show her beloved new country what it can learn from her homeland to reinvigorate and fulfill the promise of the American dream—to provide the opportunity to live a healthy, safe, economically secure, upwardly mobile life for everyone. Offering insights, advice, and solutions, The Nordic Theory of Everything makes a convincing argument that we can rebuild our society, rekindle our optimism, and restore true freedom to our relationships and lives.

    

    By her own candid admission, though, this fit, glamorous, but down-to-earth star was not always health-conscious. Learning about the inseparable link between nutrition and the body was just one of the life-changing lessons that has fed Cameron’s hunger to educate herself about the best ways to feed, move, and care for her body. In The Body Book, she shares what she has learned and continues to discover about nutrition, exercise, and the mind/body connection.Grounded in science and informed by real life, The Body Book offers a comprehensive overview of the human body and mind, from the cellular level up. From demystifying and debunking the hype around food groups to explaining the value of vitamins and minerals, readers will discover why it’s so important to embrace the instinct of hunger and to satisfy it with whole, nutrient-dense foods. Cameron also explains the essential role of movement, the importance of muscle and bone strength and why we need to sweat a little every day.The Body Book does not set goals to reach in seven days or thirty days or a year. It offers a holistic, long-term approach to making consistent choices and reaching the ultimate goal: a long, strong, happy, healthy life.

    Charting the most cutting-edge scientific breakthroughs, and marshalling his decades of research and clinical practice, Walker explains how we can harness sleep to improve learning, mood and energy levels, regulate hormones, prevent cancer, Alzheimer's and diabetes, slow the effects of aging, and increase longevity. He also provides actionable steps towards getting a better night's sleep every night.