Every credit file that comes back to haunt you looked perfectly fine on the day it was approved.Every credit officer learns one painful truth sooner or later: a credit decision is judged twice. First, on the day you sanction. Then, months later, when an audit, inspection, vigilance review, or a sudden stress event asks the only question that matters: what was your basis?The Fearless Credit Professional is written for that second day.FACT #1: Strong underwriting and c...

What If You Could Handle Every Banking Challenge Like a Seasoned Expert?No banker starts their career knowing exactly how to handle every intricate situation. Imagine effortlessly managing garnishee orders, bank guarantees, fraudulent collateral pledges, or the complexities of nomination disputes without a moment’s hesitation—with absolute confidence?Banking success isn't measured by routine tasks alone but by how confidently you tackle critical situations. Whether it’s det...

Since the pioneering work of Donald and his first Lancet paper in 1958, the use of ultrasound in obstetrics and gynaecology has evolved rap idly. The introduction of grey scale techniques enhanced our ability to identify different tissues on the basis of their texture. However, it was the introduction of the linear array real-time scanner in the mid seven ties that changed ultrasound from being an "eccentric art form" to a readily available and usable technique. This led to the first repor...

You dream of love that's perfect, Instagram-worthy, and straight out of a romcom-but reality hits like spilled coffee and a disastrous first date. You crave excitement, but suddenly your life is full of awkward misunderstandings, office chaos, and the occasional heartbreak without warning. The audacity.That flirt? Heart-stopping. That kiss? Unexpected. But the timing? Terrible. And your ex? Still popping up like a bad plot twist.Meet Lexie Johnson-twenty-something, ambitiou...

One Life, the Layovers and Memories: A Hotelier's Inspiring Memoir of Resilience and PerseveranceAbout The Author: Vipin Khullar is a seasoned hotelier and food & beverage professional with a diverse global background. A graduate of Delhi University with specialized diplomas in the hotel industry, Khullar has honed his skills as a professionally trained chef and hospitality leader, working with renowned brands like the Taj Group of Hotels and Marriott Inter...

"Intensely moving and heart-warming" Cosmo"Bold" Guardian"I loved every word" Malorie BlackmanWINNER OF THE STONEWALL BOOK AWARD 2020This is not about being ready, it's not even about being fierce, or fearless, IT'S ABOUT BEING FREE.Michael waits in the stage wings, wearing a pink wig, pink fluffy coat and black heels.One more step will see him illuminated by s...

“He never wants to touch me any longer, Natasha. It's like he's impotent or something.”“That's not impotence, that's just what being married is like!”Raising three beautiful children in her beautiful Bombay home with her aristocratic husband of 15 years – every bit the prince you read about in fairy tales – Natasha has it all. But when her closest friend drops the bombshell that she isn't entirely fulfilled by her family and is having an affair, Natasha beg...

Ten captivating stories of adventure and resilience celebrating LGBTQ+ characters, published as an illustrated collection of queer classics for the first time.These are the fairy tales that history forgot - or concealed. Tales in which gender is fluid and where queer stories can have a happy ending.From the humble sailor who finds his handsome prince to the transgender market girl who becomes queen, from Europe to Asia via the African savannah, LGBTQ+ folkl...

A deep dive into the visual forms, material contexts, social lives, and global circulations of booksIn the twenty-first century, debates on the future of books and print culture have intensified with the rise of digital technologies, and the contemporary art world has witnessed an explosion of interest in the book form. Amid this artistic and intellectual activity, there has been little scrutiny of book arts in South Asia and their particular ontologies, histories,...

The artificial intelligence-based framework, algorithms, and applications presented in this book take the perspective of Society 5.0 – a social order supported by innovation in data, information, and knowledge. It showcases current case studies of Society 5.0 in diverse areas such as healthcare, smart cities, and infrastructure.Key Features:Elaborates on the use of big data, cyber-physical systems, robotics, augmented-virtual reality, and cybersecurity as pillars for ...

What is happiness? Where can we find it? Is it in the innocent safety of our homes, or in the full exploration of our potential? Is it when we are alone, or when there are others around to share it with?This book is a tale of Pihu, the peacock. Pihu was not just any peacock—he was special. He was the most beautiful dancer. Then how could he lead an ordinary life? Of what use would his talent be if it stayed hidden behind the forest greens?He found someone who took him out f...

**Brought to you by Penguin.Ten captivating stories of love, loss, adventure and resilience celebrating LGBTQ+ heroes, published as a collection of queer classics for the first time.**These are the fairy tales that history forgot - or concealed. Tales in which gender is fluid and where queer stories can have a happy ending. From the humble sailor who finds his handsome prince to the transgender market girl who becomes queen, from Europe to Asia via the African savannah, LGB...