The advent of digital stablecoins and the continuing decline of cash are prompting central banks across the world to explore developing their own digital currencies. Although few have launched so far, the potential for central bank digital currency (CBDC) promises a revolution in banking.Michael Lloyd considers the opportunities and threats that the arrival of CBDCs will have for commercial banking and the world’s monetary system. The choices facing central banks regarding the use,...

Why are British banks so risk averse when it comes to providing long-term loan finance to businesses? In Europe the dominance of bank lending in the financing of small and medium sized enterprises (SMEs) is well-observed. Yet in the UK exactly the opposite is the case, where most SME funding is via bank overdrafts and credit cards.The roots of this significant difference lie partly in the historical, institutional, political and cultural structure of the British banking system, and...

From Barkingham Palace to the Park of Fursailles,The Queen is frowning and no doggy knows why.Join The Royal Dog Court as they sniff for clues and dig all aroundTo uncover the mystery of The Queen's grouchy, grumbly, grumpy frown!

A multinational team of scholars focuses on the interface between Christian doctrine and evolutionary scientific research, exploring the theological consequences for the doctrines of original sin, the image of God, and the problem of evil. Moving past the misperception that science and faith are irreconcilable, the book compares alternative models to those that have generated faith-science conflict and equips students, pastors, and anyone interested in origins to develop a critical and sci...

CHEMISTRY STUDENT GUIDES. GUIDED BY STUDENTSWhy did the drug thalidomide cause birth defects? What is the chemical difference between sucrose and lactose in your food? Stereochemistry holds the answer and is essential to the understanding of the chemistry of life.Stereochemistry is an important concept that often causes confusion amongst students when they learn it for the first time. Unlike most other areas of chemistry, it requires the chemist to visualise molecules in 3D,...

Restoration is one of the basic building-blocks to Christian growth: it affects the way we relate to God, to ourselves, and to others. When we allow God to restore us, shape us and refine us into the people we were made to be, we can enjoy His presence more fully, live more freely, and reflect His image more closely.Drawing on the work of a close friend and counsellor, Ruth Miller, who died in 2013, Image Bearers has been inspired by Ruth's significant ministry of individu...

In eleven chapters this book addresses the issue of the re-emergence of China and a new global order on the world stage, with implications for the existing US hegemonic liberal international order. The Re-Emergence of China reviews the history of China's astounding economic growth and geopolitical development over the past 30 years. It explores the economic, technological, and global development of China during this period; explores the political philosophy and praxis from imperial neo-Con...

Spoil Their Spoils, and Let Them Rejoice on Lifeless EarthIn the bayfront land of Tenoch, the death of Roberts Tolyem has exposed a vulnerability that citizens haven’t felt in decades. Those who saw their once-meager lives transform into a world of opulence and prosperity now question what future awaits them. Tenoch’s sudden rise as a global power left it with countless adversaries from all sides of the bay—including the tribe it conquered in a violent resurgence just generations...

Men's Fit Kitchen is the brainchild behind the author s very own experience of leading a busy lifestyle and struggling to find the time to get fit and to eat well.Men’s Fit Kitchen is all about Michael s journey and sharing how he taught himself how to eat clean simple fit food that still tasted great without taking up too much time. The workouts he shares in this book have transformed his fitness and energy levels; his workouts are unique and easy to follow and c...

An Upright Vessel, Black and Without Any Shine, Shrouded in Heavy VaporOn the brink of war, Kai and four others find themselves held captive by a vessel that reveals little about itself. With their homes still ablaze, they’re helpless to alter its trajectory while they pursue an unknown destination. Upon inexplicably reversing course, they’re left with more questions than answers.As its engines finally wind down, everyone aboard grows eager to escape the cabin and breathe...

Give Them Nothing. Give Them Nothing to Report, and You Might Just SucceedThree years since their return, Kai and the others find themselves living independently in an unfamiliar world. The Schema’s influence looms larger than they could’ve ever imagined, permeating nearly all aspects of modern life. From guiding global policy to selecting your evening’s entrée, State’s feedback program snuffs out uncertainty to protect society at-large.Partnering with State, companies li...

Over a career that has spanned more than six decades, Woody Allen has explored the emotion of regret as a response to the existentialist dilemma of not being someone else. Tracing this recurrent theme from his stand-up comedy routines and apprentice work through classics like Annie Hall, Manhattan, The Purple Rose of Cairo, Hannah and Her Sisters, and Bullets Over Broadway as well as less esteemed accomplishments (Another Woman, Sweet and Lowdown, Cassandra's Dream