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It expands on the world of psychic phenomena and the darker planes of the spirit kingdom. Jean Cull helped the police catch the Black Panther, she has found missing people, brought comfort to the victims of Nazi concentration camps, communicated with Anne Boleyn, has given advice to millionaires and reunited her husband with the brother he never knew he had. 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If we are to realize the goal of extending banking and other financial services to this vast unbanked population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In \u003ci\u003eBanking the World\u003c\/i\u003e, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. \u003cp\u003e\u003c\/p\u003eThe contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":50347551785233,"sku":"CIN0262544016G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ NEW \/ INGRAM","offer_id":52532082147601,"sku":"NLS9780262544016","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0262544016.jpg?v=1751195482"},{"product_id":"banking-the-world-book-robert-cull-9780262018425","title":"Banking the World","description":"Experts report on the latest research on extending access to financial services to the 2.5 billion adults around the world who lack it.","brand":"WoB","offers":[{"title":"- \/ - \/ INTERNAL","offer_id":52470407332113,"sku":null,"price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ GOOD \/ SBYB","offer_id":52470407594257,"sku":"CIN026201842XG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9780262018425.jpg?v=1759775093"},{"product_id":"rumors-of-baseball-s-demise-book-robert-cull-9780786422517","title":"Rumors of Baseball's Demise","description":"Is it bedtime for America's pastime? In recent years, action on and off the diamond has left some fans predicting baseball's imminent death--or claiming to have already attended the funeral. This book refutes those claims with an in-depth look at baseball then and now.     Comparing the baseball of the 1950s to the game of today, this author examines the widespread dissatisfaction with major league baseball, considers how modern teams differ from those of the past, and reflects on whether professional baseball remains a truly competitive sport. Excessive salaries, player movement and the evolution of the draft are all up for discussion, as is the Wild Card playoff format and how it has affected the overall competition. Tables show statistics on salaries, league attendance and the correlation between winning percentages and payroll. Appendices offer details on market size and attendance regressions. 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