Why stable banking systems are so rare Why are banking systems unstable in so many countries—but not in others? The United States has had twelve systemic banking crises since 1840, while Canada has had none. The banking systems of Mexico and Brazil have not only been crisis prone but have provided miniscule amounts of credit to business enterprises and households. Analyzing the political and banking history of the United Kingdom, the United States, Canada, Mexico, and Brazil through several centuries, Fragile by Design demonstrates that chronic banking crises and scarce credit are not accidents. Calomiris and Haber combine political history and economics to examine how coalitions of politicians, bankers, and other interest groups form, why they endure, and how they generate policies that determine who gets to be a banker, who has access to credit, and who pays for bank bailouts and rescues. Fragile by Design is a revealing exploration of the ways that politics inevitably intrudes into bank regulation.

Gale Local 02-06-06 $25.99.

There’s only one thing more dangerous than family secrets. Since her police-officer husband Eric’s mysterious murder, Carly Harris has been struggling to support herself and their infant son. Her career as an antique dealer isn’t sustainable, nor is her dream of becoming a novelist. So when her grandmother proposes she and her two sisters restore the family’s large Beaufort home and turn it into a bed-and-breakfast, she immediately gets to work clearing out the house. In the process, she uncovers a family secret that Eric kept hidden. And an heirloom that the wrong person wouldn’t hesitate to kill for. Homicide detective Lucas Bennett isn’t his neighbor’s biggest fan, not since she broke his brother’s heart years ago. But when Carly turns to Lucas for help, believing she’s found a lost Fabergé egg that would be worth millions and that could put her family’s lives in danger, he can’t help but get involved. Soon, they’re entangled in a mystery with threads that lead all the way to the Russian mafia. Lucas has gotten in deep, and while he trusts his ability to keep Carly and her family safe, he begins to realize he’s vulnerable to an unexpected kind of danger. And he’s helpless to stop the freefall. As they continue working closely together, Carly and Lucas realize they may have found something more precious than gold. Yet it’s only a matter of time before Carly—or, worse, someone she loves—gets hurt. Contemporary romantic suspense Stand-alone novel Book length: approximately 90,000 words Includes discussion questions for book clubs

"This book is a small selection of works from projects designed by Fragile Design during its first three years" -- cover page verso.

Through practices of collaborative imagination and making, or "doing design otherwise,” design experiments can contribute to keeping local democracies vibrant. In this counterpoint to the grand narratives of design punditry, Carl DiSalvo presents what he calls “doing design otherwise.” Arguing that democracy requires constant renewal and care, he shows how designers can supply novel contributions to local democracy by drawing together theory and practice, making and reflection. The relentless pursuit of innovation, uncritical embrace of the new and novel, and treatment of all things as design problems, says DiSalvo, can lead to cultural imperialism. In Design as Democratic Inquiry, he recounts a series of projects that exemplify engaged design in practice. These experiments in practice-based research are grounded in collaborations with communities and institutions. The projects DiSalvo describes took place from 2014 to 2019 in Atlanta. Rather than presume that government, industry—or academia—should determine the outcome, the designers began with the recognition that the residents and local organizations were already creative and resourceful. DiSalvo uses the projects to show how design might work as a mode of inquiry. Resisting heroic stories of design and innovation, he argues for embracing design as fragile, contingent, partial, and compromised. In particular, he explores how design might be leveraged to facilitate a more diverse civic imagination. A fundamental tenet of design is that the world is made, and therefore it could be made differently. A key concept is that democracy requires constant renewal and care. Thus, designing becomes a way to care, together, for our collective future.

*A National Bestseller* From the internationally bestselling artist Kerby Rosanes, an extraordinary coloring book celebrating some of the incredible animals and landscapes that are disappearing around the globe Fragile World is a coloring book to savor, exploring fifty-six endangered, vulnerable, and threatened animals and landscapes—from the Tapanuli orangutan to the hawksbill turtle, from Philippine bat caves to the Baltic Sea. The illustrations are intricate, detailed, and unforgettable, both magisterial and whimsical. And the result is a stunning tribute to Mother Nature. Fragile World is a coloring experience that is at once vintage Kerby and unlike any other.