The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (referred to hereafter as the Reform Act) included provisions to better inform individuals who file for personal bankruptcy about their options for reaffirming debt--whereby filers may voluntarily agree to pay certain creditors in an effort to retain assets, such as an automobile. Reaffirmation agreements between debtors and creditors are required, by law, to formally disclose to debtors the terms of the agreement, such as the amount of debt reaffirmed. Some requirements differ for credit unions, such as an exemption for reporting debtor financial information when the debtor's attorney signs the agreement. This book discusses (1) the extent to which required Reform Act disclosures and other information have been incorporated into reaffirmation agreements, (2) the types of debts reaffirmed and the percent this debt comprised of debtors' overall debt burden, and (3) how reaffirmed and original interest rates compare.
Quantum information processing is an exciting new emergent and interdisciplinary field. It combines questions of national security (When will today's public key cryptography be broken?) to questions of fundamental science (What are the fundamental limits to information processing?). It has thrived through the collaboration between the computer, engineering, mathematical and physical sciences. It is a field that is challenging our understanding of information, communication, computation, and of the fundamental laws of nature. This book brings together leading research in the field.
Food engineering refers to the engineering aspects of food production and processing. Food engineering includes, but is not limited to, the application of agricultural engineering and chemical engineering principles to food materials. Genetic engineering of plants and animals is not normally the work of a food engineer. Food engineering is a very wide field of activities. Among its domain of knowledge and action are: Design of machinery and processes to produce foods; Design and implementation of food safety and preservation measures in the production of foods; ;Biotechnological processes of food production; Choice and design of food packaging materials. Quality control of food production. This book deals with new and important food engineering research trends.
The past few years have been very traumatic ones for many Nigerians. With the exception of those in power or close to the seat of power, the changes of 1998 were a welcome relief given the tyranny and repression that the country had suffered under General Abacha. With many people in prison and more in exile, the death of Abacha was received with a sigh of relief. Many observers have seen the resilience that has come to signify the strength and potential of this once 'giant of Africa', as well as the destruction and the socio-political and economic decay of the past decades. The Nigerian people have endured the exploitation of their rights due to the lack of democratic leadership, and with this in mind, they have been called to attention to fight for their country.
The great Russian novelists of the 19th century are often considered unmatched as a group in literature and perhaps only approached by the 19th century composers of classical music. But who were these masters of image as portrayed through the written word? What made them tick and what makes their works keep on ticking? Professor William Lyon Phelps offers us a delicious beginning with a superb analysis of the Russian character in fiction and follow with a cogent presentation of the lives and works of Gogol, Turgenev, Dostoevsky, Tolstoi, Gorki, Chekhov, Artsbashev, Andreev and Kuprin. This book, originally published in 1915 by the MacMillan Company, has been completely retyped and indexed for this publication.
Solar energy is derived ultimately from the sun. It can be divided into direct and indirect categories. Most energy sources on Earth are forms of indirect solar energy, although we usually don't think of them in that way. Coal, oil and natural gas derive from ancient biological material which took its energy from the sun (via plant photosynthesis) millions of years ago. All the energy in wood and foodstuffs also comes from the sun. Movement of the wind (which causes waves at sea), and the evaporation of water to form rainfall which accumulates in rivers and lakes, are also powered by the sun. Therefore, hydroelectric power and wind and wave power are forms of indirect solar energy. Direct solar energy is what we usually mean when we speak of solar power - it is the use of sunlight for heating or generating electricity. Solar energy research and applications have been receiving increasing attention throughout the world as solar energy must play a much greater role in the energy mix in upcoming years. This book examines new research in this frontier field.
Translation from the 1987 Russia edition. These proceedings address issues in solid state optics and physics: Raman scattering in crystals and dispersive media, Rayleigh and inelastic scattering with phase transitions, the features of ferroelectrics in connection with the general concept of soft mod
The American presidency has become one of the most powerful offices in the world with the ascendancy of American power in the 20th century. This book brings together piercing analyses of the American presidency -- dealing with both current issues and historical events. The compendia are the bound issues of 'White House Studies' with the addition of a comprehensive subject index as well as rearranged.
Alcoholism is a disorder characterised by the excessive consumption of and dependence on alcoholic beverages, leading to physical and psychological harm and impaired social and vocational functioning. This book gathers new and important research on this socially and medically destructive disorder. These include addiction issues, forms of treatment, behavioural and clinical studies.