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"This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability." -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices.

The construction of the Panama Canal at the beginning of the twentieth century created an enclave that ran parallel to the interoceanic waterway, controlled by the US government: the Canal Zone. This book aims to understand the implications that Panama Canal Zone urban planning had on human health, natural resources, and biodiversity through the study case of Fort Clayton, highlighting how the sanitary concerns shaped building regulations and the urban landscape of towns. This book highlights the role of North American entomologists and health workers in developing control strategies for diseases transmitted by mosquitoes and how mosquito’s ecology determined building regulations that shaped the image of the Canal Zone towns. On the other hand, the book determines the environmental assessment of Fort Clayton, determined by the two fundamental aspects that set on the environmental impact of an urban settlement. The first one is the suitability of the site's location. The second is the urban structure of the adopted city model and its impact on the connectivity of the surrounding forests during the twentieth century. This text is aimed at both undergraduate and postgraduate students, architects, urban planners, historians, and environmental science professionals.

The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)