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This study aims to identify the determinants of housing affordability in an effort to inform policy.

The authors use econometric analysis to determine variables that impact housing affordability in the USA.

The authors find that affordability depends on a number of demographic factors as well as physical characteristics of properties, including average age of homeowner, family size and average dwelling square footage. The authors also find that vacancy rates, increase in house price and median family income also have a significant impact on housing affordability. Additionally, the authors find that households with high-cost burdens are more vulnerable to mortgage rates and property taxes than those with moderate-cost burdens. As a result, changes in economic or policy variables tend to have a disproportionate impact on high-cost-burdened households, and they are more vulnerable to economic and policy shocks.

To date, the literature has not done a systematic investigation of housing affordability using detailed census data.

Text book theories of motivation are abundant. Content theories such as Maslow's hierarchy of needs and Herzberg's two factor theory or process theories such as expectancy theory and reinforcement theory are practiced in most American companies. The key difference between the best managed companies and other companies is their methods of implementation in their particular environment. Black and Decker, Lincoln Electric, Honeywell, Walmart, Dupont and Phillip Van Heusen are seven of America's best managed companies who use creativity and innovation to motivate employees.

Using visual materials to understand a social object requires the researcher to know that object's purpose, and this is true whether the object is an artifact, a restricted event, a small social world, or something as massive as the modern city. I argue that the purpose of the city as a settlement is driven by the need to safely sleep in peace at night while satisfying other basic biophysical needs during the day as conveniently as possible. An examination of these needs identifies 10 functional prerequisites for human settlement, entangling its inhabitants in involuntary community with entities and events other than themselves, whether they like it or not. In addition, the rise of the modern city exacerbates the challenge of living in a reluctant community and pressures its inhabitants to come to terms with the consequences for how these relationships affect daily life. I highlight nine challenges posed as questions that have been particularly salient in American urban history since the mid-nineteenth century. How these challenges have been addressed indicates not only what it takes to make a modern city a settlement suitable for satisfying human needs, but also just how deeply invested its residents are in making the city work. Finally, the 10 functional prerequisites and nine moral challenges not only provide a framework for researching the city, but also suggest a coherent outline for imagining a “shooting script” or guide for conducting visual research.

Competition policy in the UK and European Community is concerned with the maintenance and promotion of competitive markets. However, many market sectors in the UK and EC exhibit high levels of supplier concentration and many are dominated by either a quasimonopoly supplier or a core of large oligopolistic firms. Examines UK and EC policy towards the control of dominant firms. The regulatory frameworks operating in the UK and EC are outlined and particular points of interest in the application of policy control are highlighted by reference to selected monopoly cases.

Humor can be a useful tool in the workplace, but it remains unclear whether humor used by men versus women is perceived similarly due to social role expectations. This paper explored whether female humorists have less social latitude in their use of aggressive and affiliative humor in the workplace. This paper also examined how formal organizational status and the target's gender can impact audience perceptions.

Two scenario-based studies were conducted where participants rated the foolishness of the humorist. For Study 1, participants responded to a scenario with an aggressive, humorous comment. For Study 2, participants responded to a scenario with an affiliative, humorous comment.

Results suggested that high-status female humorists who used aggressive humor with low-status women were viewed as less foolish than low-status female humorists who used aggressive humor with low-status women. Conversely, status did not impact perceptions of male humorists who used aggressive humor with low-status women. Results also indicated that high-status women who used affiliative humor were viewed as less foolish when their humor was directed toward low-status men versus low-status women. Conversely, no differences existed for high-status men who used affiliative humor with low-status men and women.

Narrower social role expectations for women suggest that interpersonal humor can be a riskier strategy for women.

This study suggests that women have less social latitude in their use of humor at work, and that organizational status and target gender influence perceptions of female humorists.

What access did readers have to fiction in Britain during the Romantic period? To what extent might the fiction market have been segmented into readers who borrowed their novels from libraries ‐ sometimes stealing or failing to return them ‐ and those who bought them new or second‐hand at bookshops? Many circulating‐library proprietors would also serve the novel‐reading population in their capacity as professional booksellers. As librarians, they would promote the value‐for‐money aspect of renting fiction to readers of limited means; as booksellers, they enabled readers to purchase their particular favourites among their bookstocks as well. Purchasing a book, though, did not equate with genuinely wishing and intending to read it. Failing to return a circulating‐library novel, or stealing one, may have been a stronger indication that a title was indeed being selected to be read ‐ and then being retained to be re‐read.

This chapter deals with the development of banking in the Crown of Aragon from the end of the thirteenth century through the establishment of money changers, which followed similar patterns as in other Western European territories. It starts with a review of existing literature and follows with an explanation on the different banking services provided by money changers and the specific legal framework that supported such activities. It then examines the geographical distribution of private banks in cities and towns within the domains of the kings of Aragon, as well as their evolution throughout the fourteenth century. After that, it offers an analysis of the most common professional profiles among these bankers and financers. Finally, drawing on a heterogeneous pool of unpublished data, it seeks to shed light on the diversity of investors and clients of these establishments, a crucial proof of their role in integrated financial markets.

While LIS scholarship emphasizes the need to be multi-literate by equipping people with critical information literacy, digital literacy, and media literacy skills to combat the phenomenon of fake news in the contemporary information society, the concept of political information literacy is still in its infancy. This chapter addresses this gap by developing an understanding of political information literacy and challenges the premise that information professionals and information organizations should remain neutral in the face of phenomena like censorship through noise and disinformation. In this endeavor, it reviews contemporary information environments vis-à-vis the growth of fake news and misinformation, and current information literacy approaches utilized by information organizations. Thereafter, it explores several cognitive barriers, such as the role of confirmation bias, information avoidance, information groupishness, and information overload, which affects people’s ability to process information. Finally, it encourages information professionals to hold regular information sessions on politically charged topics, tackle the cognitive factors increasing misinformation, and cultivate multidisciplinary approaches to confront fake news.