Something in the attic held the key to the mystery. Jodie wants to go back to East Hill for Christmas more than anything. East Hill was where she grew up-until her father was killed in a car accident. Nothing was the same after that, especially when people started saying her father had stolen some money.
Jodie knows her father is innocent. But so far, she hasn't been able to expose the real thief...
Annuities are financial products that guarantee the holder a fixed return so long as the holder remains alive, thereby providing insurance against lifetime uncertainty. The terms of these contracts depend on the information available to insurance firms. Unlike age and gender, information about individual survival probabilities cannot be readily ascertained. This asymmetric information causes market inefficiencies, such as adverse selection. Groundbreaking in its scope, The Economic Theory of Annuities offers readers a theoretical analysis of the functioning of private annuity markets. Starting with a general analysis of survival functions, stochastic dominance, and characterization of changes in longevity, Eytan Sheshinski derives the demand for annuities using a model of individuals who jointly choose their lifetime consumption and retirement age. The relation between life insurance and annuities that have a bequest option is examined and "annuity options" are proposed as a response to the lack of secondary markets.
This book also investigates the macroeconomic policy implications of annuities and changes in longevity on aggregate savings. Sheshinski utilizes statistical population theory to shed light on the debate of whether the surge in savings and growth in Asia and other countries can be attributed to higher longevity of the population and whether this surge is durable. This book shows how understanding annuities becomes essential as governments that grapple with insolvency of public social security systems place greater emphasis on individual savings accounts.
Keep your friends close and your enemies closer. This is especially true if you have recently eaten onions. Bo Samson has a secret. He's a closet masochist. Okay, maybe not, but he is worried about his unique ability to continually piss off the most beautiful woman in the world over and over again, thus guaranteeing her perpetual hatred of him and eliminating any chance he may otherwise have at making her his own. To compound his misery, he is cursed with the knowledge of knowing exactly what he is missing due to one unbelievable and secret summer they had shared following graduation from high school. Spencer Clementine has a secret. The most stable and predictable relationship in her life is the torturous one with Bo Samson. For fifteen years he has made her life miserable. Except for the “Summer of Which They Did Not Speak.” All she wants out of life is to be loved.
When she says it out loud, it sounds even more pathetic than it does in her head.
She surfs, she hangs out with her friends, she's a fitness coach. These are things she does, but they aren't who she is. As the years and failed relationships slip by, she begins to wonder if being herself is even worth it. That all changed when she makes a fateful call to the one man who has been a constant in her life. Bo shows up without question, setting off a chain of events revealing an undeniable truth: they're at their best when they're together. PG16 for language, emotional baggage, self-doubt, light heat, and intense thematic elements
Maggie Thomas doesn't know the first thing about being a private eye. She quickly discovers that running her uncle's faltering Miami Beach P.I. agency is nothing like watching detective show reruns. Even the private eye app on her iPhone can't help. But Maggie's first case is surprisingly easy... or so she thinks until she stumbles upon a dead body. With whizzing bullets, car chases, and spandex-clad bodybuilders, Maggie wonders if she's in over her head. Jake Jackson, the dangerously charming cop, thinks Maggie needs to stick to snapping pictures of cheating husbands and leave the detective work to the professionals. The danger escalates when another homicide victim washes up on the shore and now someone wants to stop Maggie from solving the murders. With the help of her knitting needle-wielding, orthopedic shoe-wearing assistant Dorothy Raye, Maggie must solve the case before she's the next victim of this crime wave.
Market forces have profoundly affected the contemporary research university's fundamental tasks of creating and disseminating knowledge. They arguably have provided American universities access to greater wealth, better students, and stronger links with the economy. Yet they also have exaggerated inequalities, diminished the university's control over its own activities, and weakened the university's mission of serving the public. Incorporating twenty years of research and new data covering 99 research universities, Knowledge and Money explains this paradox by assessing how market forces have affected universities in four key spheres of activity: finance, undergraduate education, primary research, and participation in regional and national economic development. The book begins by chronicling how universities have enlarged revenues by optimizing tuitions, and how they have managed these funds.
It reveals why competition for the best students through selective undergraduate admissions has led to increased student consumerism and weakened university control over learning. The book also explains why research has become an increasingly autonomous activity within the university, expanding faster than class instruction or faculty resources. Finally, it shows how the linkage of research to economic development has engendered closer ties with industry and encouraged the commercialization of knowledge.
The end of the world would have been easy. Surviving Ankara Fever is practically impossible. As the global pandemic burns across the country, combat veteran Willie Wilder and his family set out to join their cohorts at DARE Ranch, the refuge they secured for just such an emergency. Rather than a happy homecoming, they quickly learn not everything goes to plan. Some friends won't make it. For those who do, getting there may be just the beginning of their trials. Mistaking seclusion for safety, the group comes to realize that rifles and fences won't keep a virus at bay. As an outbreak erupts on the ranch, life or death decisions may spell the end of the ranch, its members, and their dreams for the future.
The sequel to Ankara Fever: Journeys takes you to the refuge and people Roger Westover battles his way across the country to join.
Enhance your understanding of Computer Vision and image processing by developing real-world projects in OpenCV 3 About This Book Get to grips with the basics of Computer Vision and image processing This is a step-by-step guide to developing several real-world Computer Vision projects using OpenCV 3 This book takes a special focus on working with Tesseract OCR, a free, open-source library to recognize text in images Who This Book Is For If you are a software developer with a basic understanding of Computer Vision and image processing and want to develop interesting Computer Vision applications with Open CV, this is the book for you. Knowledge of C++ is required.
What You Will Learn Install OpenCV 3 on your operating system Create the required CMake scripts to compile the C++ application and manage its dependencies Get to grips with the Computer Vision workflows and understand the basic image matrix format and filters Understand the segmentation and feature extraction techniques Remove backgrounds from a static scene to identify moving objects for video surveillance Track different objects in a live video using various techniques Use the new OpenCV functions for text detection and recognition with Tesseract In Detail Open CV is a cross-platform, free-for-use library that is primarily used for real-time Computer Vision and image processing. It is considered to be one of the best open source libraries that helps developers focus on constructing complete projects on image processing, motion detection, and image segmentation. Whether you are completely new to the concept of Computer Vision or have a basic understanding of it, this book will be your guide to understanding the basic OpenCV concepts and algorithms through amazing real-world examples and projects. Starting from the installation of OpenCV on your system and understanding the basics of image processing, we swiftly move on to creating optical flow video analysis or text recognition in complex scenes, and will take you through the commonly used Computer Vision techniques to build your own Open CV projects from scratch. By the end of this book, you will be familiar with the basics of Open CV such as matrix operations, filters, and histograms, as well as more advanced concepts such as segmentation, machine learning, complex video analysis, and text recognition. Style and approach This book is a practical guide with lots of tips, and is closely focused on developing Computer vision applications with OpenCV. Beginning with the fundamentals, the complexity increases with each chapter. Sample applications are developed throughout the book that you can execute and use in your own projects.