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Fostering Sustainability in Corporate Governance: Analysis of the EU Sustainable Corporate Governance and Due Diligence Directives (SIDREA Series in Accounting and Business Administration) by Salvatore Principale
English | May 12, 2023 | ISBN: 3031303539 | 88 pages | MOBI | 1.89 Mb
The effects of climate change on the one hand, and government promises to achieve sustainable development on the other, are only two examples of the factors driving businesses to incorporate sustainability into their business strategies. International organizations and researchers alike contend that incorporating sustainability into business is only feasible when governance also considers environmental, social and governance (ESG) issues. Therefore, corporate governance is attracting more and more attention from investors and various stakeholders. On 23 February 2022, the European Commission adopted a proposal for a Directive on corporate sustainability due diligence. The aim of this Directive is to foster sustainable and responsible corporate behaviour and to anchor human rights and environmental considerations in companies' operations and corporate governance. Drawing on the theoretical framework of corporate governance and an analysis of the latest and most important literature on corporate governance and sustainability, this book offers essential insights, particularly in light of the Sustainable Corporate Governance Directive and Due Diligence Directive.
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Foundations and Practice of Security: 5th International Symposium, FPS 2012, Montreal, QC, Canada, October 25-26, 2012, Revised Selected Papers By Jie Li, Jianliang Zheng (auth.), Joaquin Garcia-Alfaro, Frédéric Cuppens, Nora Cuppens-Boulahia, Ali Miri, Nadia Tawbi (eds.)
2013 | 383 Pages | ISBN: 3642371183 | PDF | 9 MB
This book constitutes the carefully refereed and revised selected papers of the 5th Canada-France ETS Symposium on Foundations and Practice of Security, FPS 2012, held in Montreal, QC, Canada, in October 2012. The book contains a revised version of 21 full papers, accompanied by 3 short papers. The papers were carefully reviewed and selected from 62 submissions. The papers are organized in topical section on cryptography and information theory, key management and cryptographic protocols, privacy and trust, policies and applications security, and network and adaptive security.
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Freedom, in Context: Time, History, and Necessity in Hegel
by Borna Radnik
English | 2025 | ISBN: 1350430048 | 257 Pages | True PDF | 2.86 MB
G.W.F. Hegel was a radical and incisive thinker, whose ideas have shaped the face of political philosophy. With questions of political agency and free will as urgent as ever, this book reintroduces Hegel's ideas of freedom and the weight that it carries in the political, economic and social contexts of the 21st century. Examining the concept of freedom from a Hegelian Marxist perspective, Freedom, in Context argues that the essential relation between self-determination and causal necessity is a multifaceted process to be viewed through historical, temporal, logical and ontological lenses. Using examples from the Black Lives Matter movement, environmental justice, economic inequality, and democratic uprisings in Iran, the value of Hegel's philosophy is emphasised in contexts beyond the colonial, Eurocentric tendencies of his worldview. Emphasising the central role of temporality and history in the conception of free will gives this new reading of Hegel real practical import for the pressing political issues of our time.
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From Design to Delivery - The Essential Guide to Building Information Modelling
by Firas Ilan
English | December 10, 2024 | ASIN: B0DQ63CM4K | 211 pages | PDF | 78 Mb
The ideal reader of "From Design to Delivery: The Essential Guide to Building Information Modelling" is someone eager to understand and implement Building Information Modelling (BIM) in the construction industry. These readers may come from a variety of backgrounds but share a common interest in the integration of digital tools in building design, construction, and operation.
Students and aspiring professionals are likely to be among the target audience. These individuals are pursuing degrees in fields such as architecture, construction management, engineering, or other related disciplines. They are looking for a comprehensive introduction to BIM, its principles, and how it is applied in real-world projects.
Industry professionals such as architects, engineers, and construction managers are also part of the intended readership. These professionals may already be working in the construction industry and want to expand their knowledge and skills in digital construction methods. They might have a basic understanding of BIM but seek to deepen their understanding of its technical and practical applications across various project phases.
BIM practitioners and managers, including BIM managers and coordinators, are another key group. These readers are responsible for overseeing and managing the BIM process and are looking for a structured guide that covers everything from planning and design to construction and operation. This group also includes project managers who want to understand how to implement BIM effectively across different project teams and phases.
Organisations adopting BIM are another key audience. Construction companies, design firms, and contractors transitioning to digital workflows are interested in integrating BIM into their projects for greater efficiency, collaboration, and accuracy. Decision-makers within these organisations, such as senior managers or executives, want to understand the benefits, challenges, and key considerations when adopting BIM on a company-wide level.
Technology enthusiasts in construction, particularly those interested in the intersection of technology and the built environment, form another segment of the readership. These readers want to explore the role of emerging technologies such as artificial intelligence, virtual reality, augmented reality, and the Internet of Things in advancing BIM processes.
The primary goal of the reader is to gain a solid understanding of BIM, from basic concepts to more advanced applications. Whether they are students or professionals, they seek practical knowledge on how to apply BIM principles in real-world projects, from design to delivery. Many readers will also be looking to master BIM software tools such as Revit, ArchiCAD, and Navisworks, and understand how these tools integrate into broader workflows. Staying current with trends, especially in relation to the evolving role of BIM in sustainability and smart cities, is another important goal for the reader.
The reader may also face challenges in navigating the rapidly evolving BIM software tools and standards or in managing the cultural shift and organisational changes that come with BIM adoption. This book aims to address these challenges, providing clear explanations, practical examples, and insights to guide the reader to success in a BIM-driven construction industry.
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From Galileo To Einstein: Starting On A Journey In Science
English | 2025 | ISBN: 9819800579 | 304 Pages | PDF (True) | 44 MB
Our current lives are a result of scientific evolution to which many geniuses in science have contributed. This book describes the lives of great scientists from Galileo to Einstein who made remarkable discoveries in science. By focusing on their stories, the reader will understand that the common trait shared by them in their scientific journey was a genuine enthusiasm to scholarship.The Progress of science is surveyed as follows: Galileo called the father of modern science, expressed natural phenomena with quantitatively measurable quantities, such as weight and length for the first time. Kepler discovered Kepler's laws that explained the movement of celestial bodies. It was however not understood why celestial bodies moved according to Kepler's laws. This problem was elucidated by Newton founding Newtonian mechanics. Electromagnetic phenomena experimentally discovered by Faraday, were theoretically unified by Maxwell who founded electromagnetic theory, constituting the two greatest theories in classical physics together with Newtonian mechanics until the end of nineteenth century.At the end of nineteenth century, two experimental results could not explained by classical physics. The one was the result on the black body radiation. For elucidating the result, Planck in 1900 derived Planck's formula, discovering the concept of 'quantum.' The other was Michelson-Morley experiment's result supporting relativity principle. For elucidating the result, Einstein developed relativistic theory, constituting the two greatest theories of twentieth century together with quantum mechanics.The readers can understand the progress in physics from classical physics to modern physics, impressed by the lives of geniuses with a genuine enthusiasm to scholarship.
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From Pen to Pixel: Studies of the Roman Forum and the Digital Future of World Heritage
by Patrizia Fortini, Krupali Krusche
English | 2021 | ISBN: 8891319457 | 359 Pages | PDF | 19.7 MB
Efforts to build, rebuild and maintain the Forum Romanum, Rome's historic urban epicenter, are likely as old as the place itself - some 2800 years. As a result the historic significance and archaeological richness of the Forum cannot be overestimated. Despite its many changes the Forum Romanum's survival today represents an outstanding example of cultural heritage continuity. Its highest possible protection status among monuments conservation agencies in Italy and its early listing on UNESCO's World Heritage List in 1980 are testaments to this. Due to its remarkable physical survival, the Forum Romanum has been the object of extensive research, documentation, restoration and preservation efforts over the past two centuries especially. The sophistication of these measures evolved to include a wide range of expertise. Lay interest among antiquarians and architects in Rome's past from the Renaissance through the eighteenth century was supplanted by the emerging new disciplines of archaeology, architectural restoration and museology. From the late nineteenth century corresponding advancements in archaeological method and conservation theory and science were increasingly applied. From this time on as well, expectations for preserving and presenting the Forum Romanum were high, the famous site being a matter of intense Roman pride, political interest, and serving as a 'must see' destination for visitors to Rome. Leading historians, archaeologists and conservators have been central to the story of the Forum's survival and interpretation. While numerous noted antiquarians and historians preceded him the architect and archaeologist Giocomo Boni (1859-1925) was unusual, even prescient, in his approach and treatment of the place during his tenure as director of excavations of the Forum Romanum from 1898 until 1925. His combined talents as an architect, archaeologist and conservator set a standard at the time for careful research, thorough documentation, and responsible conservation measures. The sponsors of the DHARMA conference have wisely chosen to focus on archaeological research and conservation in the Forum during Giacomo Boni's tenure since his work reflects early 'best practices' in researching, preserving and interpreting such places. To frame the discussion some precedents and influences of the work of Giacomo Boni are offered below.
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Barbara Laine, Don Laine, "Frommer's Zion & Bryce Canyon National Parks (Park Guides)"
English | 2010 | pages: 196 | ISBN: 0470551275 | PDF | 4,4 mb
See the very best of Zion & Bryce Canyon National Parks
From hiking up a river to watching the sunrise over red rock spires, our expert authors guide you to your best Zion & Bryce Canyon experiences.
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Detailed regional, park, and trail maps
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Exact prices, directions, and other practical information
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Candid reviews of places to stay, eat, camp, and stock up on supplies
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Insider tips from local expert authors
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Full Stack Development With Spring Boot 3 And React
by Alexander V. Hart
English | December 10, 2024 | ASIN: B0DQ6D88L2 | 163 pages | PDF | 47 Mb
Full Stack Development with Spring Boot 3 and React by Alexander V. Hart is your ultimate guide to mastering modern web application development. Whether you're a seasoned developer or just stepping into the world of full-stack programming, this book equips you with the tools, techniques, and best practices to build robust, scalable, and high-performance applications.
Dive deep into the powerful Spring Boot 3 framework on the backend, learning to create APIs that are efficient, secure, and ready for production. On the frontend, explore React's cutting-edge capabilities to design responsive, user-friendly interfaces that bring your applications to life. Together, these technologies form a seamless, end-to-end development experience, empowering you to craft full-stack solutions with ease.
Packed with hands-on projects, real-world examples, and expert insights, this book covers everything from setting up your development environment to deploying your applications in the cloud. You'll explore:
Building RESTful APIs with Spring Boot 3 and Java.
Mastering React for dynamic, interactive user interfaces.
Integrating frontend and backend seamlessly with efficient data flows.
Implementing authentication, security, and testing strategies.
Leveraging modern tools and workflows, including Docker and CI/CD pipelines.
By the end of this journey, you'll not only have built several real-world projects but also gained the confidence to tackle any full-stack development challenge.
If you're ready to transform your coding skills and advance your career, Full Stack Development with Spring Boot 3 and React is the definitive resource you've been searching for.
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Fundamentals of Market Access for Pharmaceuticals
by Eric Bouteiller and Annie Chicoye
English | 2024 | ISBN: 1839992174 | 291 pages | True PDF EPUB | 31.37 MB
"Because at the heart of the apparent conflict between public health concerns and capitalistic interests, market access for pharmaceuticals is largely driven by political considerations, the difference with usual consumer goods being that pharmaceuticals are saving lives or years of life in good health".
If pharmaceutical companies are to innovate, they must be incentivised with prices that reflect the value of their products, and the resources and risks involved in their production. To ensure appropriate access to new drugs and treatments for patients in need around the world, affordability is key. How do we tackle this dilemma?
This question is critical for all stakeholders. The development of universal health coverage puts pressure on governments to directly or indirectly control reimbursement and prices of pharmaceuticals, whereas the flow of innovations addressing infectious, chronic, and life-threatening diseases is growing constantly. This book summarizes various global approaches to solving this dilemma and explores new trends. Thanks to the 'toolbox' proposed by the authors, not only students but also executives from companies, payers, regulators and patients' organizations can benefit from the supporting concepts and methods that favour greater access to pharmaceuticals.
| 'Because at the heart of the apparent conflict between public health concerns and capitalistic interests, market access for pharmaceuticals is largely driven by political considerations, the difference with usual consumer goods being that pharmaceuticals are saving lives or years of life in good health'. Pharmaceuticals are mainly sourced by companies investing in costly R&D and production at their own risks to make them globally available. However, access for patients in need can be restricted due to insufficient medical resources and/or unaffordability. The dilemma between rewarding innovation with prices in line with value and risks for companies and ensuring affordability for patients or health insurances has become critical for all stakeholders, with political and economic implications. The development of universal health coverage puts pressure on governments to control directly or indirectly reimbursement and prices of pharmaceuticals, whereas the flow of innovations addressing infectious, chronic, and life-threatening diseases, thanks to accelerated scientific progress, is growing constantly.
Management of pharmaceutical health care expenditure approach varies according to the historical, cultural, and economic backgrounds that contribute to building each health care system, and companies are confronted with a very complex environment to launch their new drugs and manage their lifecycle until loss of patent. This book explores the different models of health care systems (e.g., Europe, United States, Japan, China) and the criteria and processes for decision making in coverage and pricing of pharmaceuticals. It also provides the analytic tools that are used to inform the decisions, and how market access strategy can be integrated in the product life cycle. Short case studies related to specific disease areas or methods are supporting exposed concepts and methods.
This book targets primarily students, but may prove useful to industry or insurance executives and eventually public decision makers with interest in the field: all will find relevant insights and sources to dig deeper into the topic. The content has been developed partially through a well received teaching program at CEIBS MBA since...
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Daniel Beban, "Future Jaw Clap: The Primitive Art Group and Braille Colcetive Story"
English | ISBN: 1776922182 | 2025 | 352 pages | EPUB | 33 MB
Future Jaw-Clap tells the story of a highly influential movement in New Zealand music: the self-made musicians of pioneering free jazz ensemble Primitive Art Group, who carved out their own radical musical language in the cold, hard reality of 1980s Wellington, and have gone on to richly diverse careers in music. From their beginnings as ' the punks of jazz' in small clubs and the anti-nuclear and anti-apartheid protests of the early 1980s, through the heyday of the Braille Collective's many colourful groups, self-released records and intersections with dance, theatre and visual arts, to the Six Volts providing music for the iconic album Songs From the Front Lawn, and beyond, these musicians and the many others they have drawn into their orbit have done much to shape the music of Aotearoa. Based on a deep oral history project and extensive archival research, and vividly illustrated with photographs and other items, Future Jaw-Clap is a portal into an extraordinary musical world, and a celebration of a vibrant living tradition.
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Rick D. Sullivan, "Future of the Internet: Social Networks, Policy Issues and Learning Tools "
English | ISBN: 1612095976 | 2011 | 218 pages | PDF | 12 MB
This book examines the current aspects of the internet which affect society, as well as the projected effect the internet will have in the future. Topics discussed include using social networking sites to look at the future; personal information agency and reseller adherence to key privacy principles; laws regarding personal information, including social security numbers, being used by internet resellers; e-governance in the Pacific Islanders and the use of web 2.0 tools to support collaborative learning.
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Gastrointestinal Oncology: A Critical Multidisciplinary Team Approach by Janusz A. Z. Jankowski
English | January 23, 2024 | ISBN: 1119756391 | 640 pages | PDF | 35 Mb
GASTROINTESTINAL ONCOLOGY
Blends quality research findings with advanced educational techniques in a uniquely comprehensive approach
Written and edited by leading international experts in the field, Gastrointestinal Oncology: A Critical Multidisciplinary Team Approach is an indispensable reference for clinicians, medical practitioners, and trainees involved in the investigation, diagnosis, and treatment of esophageal, gastric, intestinal, colonic, hepatobiliary, pancreatic, and other gastrointestinal tumors. Drawing on the most current evidence-based knowledge, this comprehensive resource reflects the current care of GI cancer patients, enabling effective clinical decision making and patient management.
Setting the standard in clinical practice, Gastrointestinal Oncology remains the only truly multidisciplinary reference designed for the diverse team of clinicians responsible for different stages of cancer treatment. Specially structured clinical chapters, each representing a different role in the multidisciplinary team (MDT), allow clear presentation and quick reference of the contents. This is supported by a wealth of high-quality color photographs, line drawings, and diagrams.
Now in its second edition, this authoritative reference is fully updated to reflect groundbreaking research in multiple medical fields, including the explorative use of A.I. New sections on palliative care and nutrition are accompanied by new sub-sections on molecular characterization, new targeted small molecule, receptor options, and immunological therapies for each cancer. This edition places renewed emphasis on the most ubiquitous conditions, such as colon cancer, liver cancer, and gastro-esophageal cancer.
Covering the oncology of the entire gastrointestinal tract, Gastrointestinal Oncology: A Critical Multidisciplinary Team Approach is a must-have reference for the entire MDT, including gastroenterologists, hepatologists, GI surgeons, medical oncologists, radiation therapists, interventional radiologists, pathologists, nutritionists, palliative care and specialist nurses, as well as clinical scientists.
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Susanne Gannon, "Gender Un/Bound: Traversing Educational Possibilities"
English | ISBN: 1032715529 | 2024 | 326 pages | EPUB | 19 MB
This collection is focused on the possibilities for unbinding people from gendered expectations in and around educational spaces, and accounts for the ways gender is reconstituted in and through education.
This book presents a broad interpretation of gender, of what education might mean, and where educational experiences manifest. It explores more conventional schooling spaces to communally generated inclusive spaces, families and marginalised sites where gender is realised and contested. Alongside more familiar framings, the book incorporates decolonial and Indigenous contestations, theoretical innovations and methodological experiments that pry open the ways that gender binds and limits individuals. The chapters are organised in smaller conceptual clusters, offering multiple and overlapping reading paths according to the interests of the reader. A mapping of clusters and potential reading paths is included at the opening of the book, designed for instructors to expand course content.
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Gender Un/Bound: Traversing Educational Possibilities
by Susanne Gannon, Ampersand Pasley
English | 2025 | ISBN: 1032715529 | 345 Pages | True PDF | 43 MB
This collection is focused on the possibilities for unbinding people from gendered expectations in and around educational spaces, and accounts for the ways gender is reconstituted in and through education.
This book presents a broad interpretation of gender, of what education might mean, and where educational experiences manifest. It explores more conventional schooling spaces to communally generated inclusive spaces, families and marginalised sites where gender is realised and contested. Alongside more familiar framings, the book incorporates decolonial and Indigenous contestations, theoretical innovations and methodological experiments that pry open the ways that gender binds and limits individuals. The chapters are organised in smaller conceptual clusters, offering multiple and overlapping reading paths according to the interests of the reader. A mapping of clusters and potential reading paths is included at the opening of the book, designed for instructors to expand course content.
Written to enrich reading for preservice teacher education students and to challenge researchers, postgraduate and doctoral candidates, this book provides essential new perspectives on gender, education and the various ways in which they are un/bound together and apart.
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Generative AI For Dummies by Pam Baker
English | October 15th, 2024 | ISBN: 1394270747 | 307 pages | True PDF | 8.40 MB
Generate a personal assistant with generative AI
Generative AI tools capable of creating text, images, and even ideas seemingly out of thin air have exploded in popularity and sophistication. This valuable technology can assist in authoring short and long-form content, producing audio and video, serving as a research assistant, and tons of other professional and personal tasks. Generative AI For Dummies is your roadmap to using the world of artificial intelligence to enhance your personal and professional lives. You'll learn how to identify the best platforms for your needs and write the prompts that coax out the content you want. Written by the best-selling author of ChatGPT For Dummies, this book is the ideal place to start when you're ready to fully dive into the world of generative AI.
* Discover the best generative AI tools and learn how to use them for writing, designing, and beyond
* Write strong AI prompts so you can generate valuable output and save time
* Create AI-generated audio, video, and imagery
* Incorporate AI into your everyday tasks for enhanced productivity
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Harold Bloom, "Geoffrey Chaucer's The Canterbury Tales (Bloom's Guides)"
English | 2008 | pages: 119 | ISBN: 0791097927 | PDF | 1,1 mb
The Canterbury Tales was the first great poem in the English language, and it remains a favorite among students and scholars to this day. Ideal for research, this new title in the Bloom's Guides series includes broad-ranging excerpts from interpretive essays that provide expert commentary on this timeless work. It also features an introduction by master scholar Harold Bloom, a bibliography, and an index.
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P. K. Joshi, "Geoinformatics for Natural Resource Management"
English | ISBN: 1606922114 | 2009 | 634 pages | PDF | 23 MB
A fundamental requirement of Agenda 21 of UNCED is to support sustainable development while safeguarding the Earth's environment. This requires optimal management of natural resources which depends on the availability of reliable and timely information at the global, national, regional and local scales. One such technology, "Geoinformatics", consisting of Remote Sensing (RS), Geographical Information System (GIS), and Global Positioning System (GPS) is source of reliable and timely information needed for natural resource management, environmental protection and addressing issues related to sustainable development. It offers a powerful tool for resource assessment, mapping, monitoring, modelling, management etc. It is also capable to make use of recent developments in the digital integration of human reasoning, data and dynamic models. These tools have been available for past three decades. Many institutions and organisations are carrying out various research and operational applications of direct relevance particular to natural resource management. However, there are still limitations in understanding the underlying science and research elements, as there are larger questions of capacity building to use geoinformatics in natural resource management and associated sustainable development applications. These programs also find gaps between the theoretical concepts and the operational utilisation of these tools. This could be solved by providing wide range of applications and prospective potential of this technology to the students and research community in this area. "Geoinformatics for Natural Resource Management" contains chapters written by noted researchers and experts. The focus emerged with filling a gap in the available literature on the subject by bringing together the concepts, theories and experiences of the experts in this field.
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Geometric Function Theory: A Second Course in Complex Analysis
by Tom Carroll
English | 2024 | ISBN: 3031737261 | 358 Pages | True PDF | 6.95 MB
This textbook provides a second course in complex analysis with a focus on geometric aspects. It covers topics such as the spherical geometry of the extended complex plane, the hyperbolic geometry of the Poincaré disk, conformal mappings, the Riemann Mapping Theorem and uniformisation of planar domains, characterisations of simply connected domains, the convergence of Riemann maps in terms of Carathéodory convergence of the image domains, normal families and Picard's theorems on value distribution, as well as the fundamentals of univalent function theory. Throughout the text, the synergy between analysis and geometry is emphasised, with proofs chosen for their directness.
The textbook is self-contained, requiring only a first undergraduate course in complex analysis. The minimal topology needed is introduced as necessary. While primarily aimed at upper-level undergraduates, the book also serves as a concise reference for graduates working in complex analysis.
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Get Ready for an Explosion of Flavor with These Lamb Recipes!: Lamb Dishes Designed for Everyday Use by Alicia T. White
English | March 2, 2023 | ISBN: N/A | ASIN: B0BXCLWD12 | 60 pages | EPUB | 15 Mb
Everyone loves lamb. It is a meat that may be found on any table, from the most elaborate to the most basic, in any country and at any period. This meat is suitable for everyone, from children to adults alike. It's true that lamb, like all meats, has certain purported negative health effects, but those claims are overblown. The real truth is that lamb has many positive qualities and great benefits to one's health. Lamb's versatility as both a flavorful and versatile protein source has ensured the meat's enduring popularity. It's a staple ingredient in holiday dishes that have been used for centuries and in every kitchen. Mince pies, ribs, roasts, and more have traditionally been mixed with different flavors to create delicious dishes that are loved by everyone all over the world.
If you're looking to add something nutritious and delicious to your dinner table, why not try cooking some lamb? Not only is it packed with energy-rich nutrients, but it also contains a balanced amount of healthy fats. Plus, the fatty acids in lamb can help reduce bad cholesterol levels and lower the risk of cardiovascular disease, as well as other issues like breast cancer and blood clotting problems. Not to mention, when cooked properly, lamb melts in your mouth which would make you crave it even more than any other kind of meat you usually use when cooking a range of different dishes at home.
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Getting Out of Debt For Dummies by Steven Bucci
English | April 30th, 2024 | ISBN: 1394250339 | 339 pages | True PDF | 7.80 MB
Get out and stay out of debt the smart and easy way
This is a clear and simple guide to getting out from under credit card debt, student loan debt, and all other forms of owing people money. With simple changes and smart decisions, you can start today and enjoy financial stability moving forward. This book covers everything you need to know to take the sting out of those monthly repayments, offering strategies for coping with personal loans, car loans, mortgages, home equity loans, and beyond. Getting Out of Debt For Dummies will help you prioritize and consolidate debt, so you can pay off the most pressing bills first and reduce the number of debtors coming after you. You'll also get pro tips for using credit cards responsibly, building up your credit score, and avoiding debt-generating traps when you make purchases. Getting out of debt doesn't have to be overwhelming. Let this Dummies guide help you quickly and easily repair your finances.
* Understand the different types of debt, including good and bad debt
* Develop a strategy for managing student loans and getting on a repayment plan
* Know what you're signing up for when you use credit cards and pay-later platforms
* Negotiate with collection agencies, the IRS, and angry creditors
* Design a realistic and painless payback schedule-even for serious debt
For the millions who have substantial debt and want to turn their financial situation around, Getting Out of Debt For Dummies offers hope and a straightforward way forward.
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