875 resultados para Bad debt
Resumo:
MURAWSKI AND COLLEAGUES STATE THAT OUR assessment of the impacts of global marine biodiversity loss is overly pessimistic. They imply that management interventions are likely to reverse current trends of overfishing, and that the U.S. National Marine Fisheries Service (NMFS) has already met that goal. They cite Georges Bank haddock as an example and contest that catch metrics (as used in our global analysis) are sufficient to track the status of this particular fish stock and possibly others. We agree that precise biomass data are preferable, but these are rarely available. Here, we illustrate that catches are a good proxy of the status of haddock, although there can be a short delay in detecting recovery under intense management. While NMFS’s own data show that full recovery is still uncommon (<5% of overfished stocks) (1), we strongly agree that destructive trends can be turned around and that rebuilding efforts need to be intensified to meet that goal. But we must not miss the forest for the trees: Continuing focus on single, well-assessed, economically viable species will leave most of the ocean’s declining biodiversity under the radar.
Taking the good with the bad: Applying Klein's work to further our understandings of cyber-cheating.
Resumo:
This book examines credit in working class communities since 1880, focusing on forms of borrowing that were dependent on personal relationships and social networks. It provides an extended historical discussion of credit unions, legal and illegal moneylenders (loan sharks), and looks at the concept of ‘financial exclusion’. Initially, the book focuses on the history of tallymen, check traders, and their eventual movement into moneylending following the loss of their more affluent customers, due to increased spending power and an increasingly liberalized credit market. They also faced growing competition from mail order companies operating through networks of female agents, whose success owed much to the reciprocal cultural and economic conventions that lay at the heart of traditional working class credit relationships. Discussion of these forms of credit is related to theoretical debates about cultural aspects of credit exchange that ensured the continuing success of such forms of lending, despite persistent controversies about their use. The book contrasts commercial forms of credit with formal and informal co-operative alternatives, such as the mutuality clubs operated by co-operative retailers and credit unions. It charts the impact of post-war immigration upon credit patterns, particularly in relation to the migrant (Irish and Caribbean) origins of many credit unions and explains the relative lack of success of the credit union movement. The book contributes to anti-debt debates by exploring the historical difficulties of developing legislation in relation to the millions of borrowers who have patronized what has come to be termed the sub-prime sector.
Speculations on working class debt: credit and paternalism in France, Germany and the United Kingdom
Resumo:
The aim of this paper is to facilitate reflection on the moral merit of practitioners in various contexts. Insight is gained from Aristotelian and Kantian accounts of moral character and an original framework for reflection is presented as an adjunct to ethical theory and principles considered when appraising others. In relation to states of character there is an irreconcilable difference between Kantian (deontic) and Aristotelian (aretaic) conceptions of the nature of full virtue (excellence of character), but at the same time it can be argued that in relation to practice their approaches complement each other. It is also argued that in relation to caring for the vulnerable, Aristotle’s conception of full virtue is more compelling than Kant’s. On the other hand, Kant’s notion of self - serving action is important in nursing and it therefore needs to be considered when reflecting on professional conduct. The conclusion reached is that Aristotelian and Kantian accounts of character appraisal should be used in a combined approach to moral appraisal. This approach draws on the accounts of both philosophers and offers valuable insight into moral character, professional conduct and, in a more formal setting, fitness to practise.