An insightful study on children orphaned as a result of the AIDS epidemic with a Foreword by Desmond Tutu.

Offers advice on how to prevent or alleviate a wide range of risky behaviors displayed by teenagers, including smoking, drinking, self-mutilation, and experimenting with drugs and sex.

In December 2017 the Basel committee finalised its work on the reform of the Basel III framework. Together with requirements already published in 2015 and 2016, the Basel committee changes all approaches for the calculation of RWA and the corresponding Pillar III disclosure rules. This package of new standards from the Basel Committee, which is unofficially called "Basel IV", is now the most comprehensive package of modifications in the history of banking supervision. The banking industry will face major challenges in implementing these new rules. The second edition of the "Basel IV" handbook is updated with all publications up to March 2018 and also extensively enhanced with additional details, examples and case studies. The aim is to convince the reader that we are facing a new framework called "Basel IV" and not just a fine adjustment of the existing Basel III regulations. This book covers all new approaches for the calculation of RWA: - the standardised approach (CR-SA) and the IRB approach for credit risk, - the new standardised approach for counterparty credit risk (SA-CCR), - both the standardised approach and internal models approach from the "fundamental review of the trading book" (SBA and IMA) - the basic approach (BA-CVA) and standardised approach (SA-CVA) for the CVA risk, - all new approaches (SEC-IRBA, SEC-ERBA, SEC-SA, IAA) for securitisations (incl. STS), - the approaches for the calculation of RWA for equity positions in investment funds (LTA, MBA, FBA) - the new standardised approach for operational risk (SA-OpRisk) Because of the strong relation to the Pillar I requirements, the second edition covers the topics of interest rate risk in the banking book (IRRBB), large exposures and TLAC again. Additionally, the book contains a detailed description of the Pillar III disclosure requirements. With the aid of a high-profile team of experts from countries all over the globe, the complexity of the topic is reduced, and important support is offered.

Get a handle on option spreads to hike profit and squash loss The Complete Book of Option Spreads and Combinations is the definitive educational resource and reference guide for using option spreads and other common sense option strategies. This useful guide shows readers how to select the right strategy for their market outlook and risk/reward comfort level by describing the inner workings of each strategy and how they are affected by underlying market movements, implied volatility, and time decay. Even more importantly, readers will understand where each strategy performs well, and the market conditions where each should be avoided. Once the proper strategy is selected, readers will learn how to identify the best options to use based on "moneyness" and time to expiration. The companion website features tools including an option pricing tool and implied volatility calculator to help all traders implement these concepts effectively. There are many different types of spreads, and while less risky than other option strategies in general, they are more complex, with more variables to monitor. This guide serves as a handbook for the trader wanting to exploit options to the greatest possible benefit. Generate monthly income by selling covered strangles Use call spreads to recover from a losing stock position Protect an existing stock position using put diagonals Discover the best strategies for directional market plays Option spreads are a great tool for traders who would rather be an option seller but who need to limit their risk. The Complete Book of Option Spreads and Combinations identifies those strategies that benefit from option erosion but that limit risk. If managed properly, spreads can provide both novice and experienced investors with the potential for a large return while limiting risk. Electronic trading platforms and reduced brokerage commissions have increased option spread trading, which should occupy a spot in every savvy investor's toolkit. Comprehensive and authoritative, The Complete Book of Option Spreads and Combinations provides a valuable manual and lasting reference.

Arguably, the nation’s community colleges have experienced more change in the last several years than they have over the prior 115 years of their existence. Rapid changes in technology, external pressures for accountability and student completion, aggressive competition from other higher education institutions (i.e., public, for-profit, and private), changes in enrollment demographics, as well as new economic, market, and operational models stand to completely disrupt this relatively young enterprise. Unrelenting Change provides useful, practical examples for community college leaders as they seek to thoughtfully and strategically align their organization for the new dynamic in higher education. Furthermore, Unrelenting Change offers insights into the change process, including institutional assessment and readiness, consideration of cultural implications, strategic intentions toward innovation, as well as risk, failure, and success. Rather than perceiving change and disruptive innovation as merely happenstance, or luck, the author provides discernment into the topic so as to give community college leaders solid, guidance, if not improved odds, in undertaking this important, competitive edge for the future of their intuitions, and by extension, their students.

Young people in the Middle East (15–29 years old) constitute about one-third of the region's population. Growth rates for this age group trail only sub-Saharan Africa. This presents the region with an historic opportunity to build a lasting foundation for prosperity by harnessing the full potential of its young population. Yet young people in the Middle East face severe economic and social exclusion due to substandard education, high unemployment, and poverty. Thus the inclusion of youth is the most critical development challenge facing the Middle East today. A Generation in Waiting portrays the plight of young people, urging greater investment designed to improve the lives of this critical group. It brings together perspectives from the Maghreb to the Levant. Each chapter addresses the complex challenges facing young people in many areas of their lives: access to decent education, opportunities for quality employment, availability of housing and credit, and transitioning to marriage and family formation. This volume presents policy implications and sets an agenda for economic development, creating a more hopeful future for this and future generations in the Middle East. Selected contributors include Ragui Assaad (University of Minnesota), Brahim Boudarbat (University of Montreal), Jad Chaaban (American University in Beirut), Nader Kabbani (Syria Trust for Development), Taher Kanaan (Jordan Center for Public Policy Research and Dialogue), Djavad Salehi-Isfahani (Wolfensohn Center for Development and Virginia Tech), and Edward Sayre (University of Southern Mississippi).

Children in Central and Eastern Europe and the former Soviet Union explores the dire impact that political and economic transition has had on the lives of millions of children in this troubled region. Generation in Jeopardy brings together the research and views of experts from across the region and extensive data gathered by UNICEF. It is illustrated with black-and-white photographs and numerous charts, graphs, and tables.