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Where Does Money Come From? reveals how, contrary to public perception, the bulk of today's money supply is created and allocated by commercial banks in their role as providers of credit. The authors argue that this system is inherently unstable, with little effective regulation of how much credit is provided or whether it is used for productive or speculative purposes. Based on detailed research and consultation with experts, including from the Bank of England, Where Does Money Come From? reviews theoretical and historical debates on the nature of money and banking and explains the role of the central bank, the Government and the European Union. This Second edition includes new sections on Libor and quantitative easing in the UK and the sovereign debt crisis in Europe. Praise for Where Does Money Come From? “Refreshing and clear. The way monetary economics and banking is taught in many – maybe most - universities is very misleading and what this book does is help people explain how the mechanics of the system work”. David Miles, Monetary Policy Committee, Bank of England “It is amazing that more than a century after Hartley Withers’s The Meaning of Money and 80 years after Keynes’s Treatise on Money, the fundamentals of how banks create money still need to be explained. Yet there plainly is such a need, and this book meets that need, with clear exposition and expert marshalling of the relevant facts. Warmly recommended to the simply curious, the socially concerned, students and those who believe themselves experts, alike. Everyone can learn from it“. Victoria Chick, Emeritus Professor of Economics, University College London. I used Where Does Money Come From? as the core text on my second year undergraduate module in Money and Banking. The students loved it. Not only does it present a clear alternative to the standard textbook view of money, but argues it clearly and simply with detailed attention to the actual behaviour and functioning of the banking system. Highly recommended for teaching the subject. Dr Andy Denis, Director of Undergraduate Studies, Economics Department, City University, London

In this exciting new graphic novel, economist Bryan Caplan examines how changes to housing regulation can lead us to a vastly better world. Why are housing prices in America so unbelievably high, especially in the country's most desirable locations? The superficial answer is “supply and demand,” but the deep answer―the reason supply is so low―is a regulatory system that treats developers like criminals. In Build, Baby, Build: The Science and Ethics of Housing Regulation, economist Bryan Caplan makes the economic and philosophical case for radical deregulation of this massive market―freeing property owners to build as tall and dense as they wish. Not only would the average price of housing be cut in half, but the building boom unleashed by deregulation would simultaneously reduce inequality, increase social mobility, promote economic growth, reduce homelessness, increase birth rates, help the environment, cut crime, and more. Combining stunning homage to classic animation with careful interdisciplinary research, Build, Baby, Build takes readers on a grand tour of a bona fide “panacea policy.” We can start realizing these missed opportunities as soon as we abandon the widespread misconception that housing regulation solves more problems than it causes.

- Contains six (6) Boxes of 10 Peet's Major Dickason's Blend Dark Roast Coffee Keurig K-Cup Pods (60 K-Cup Pods Total - 100% Arabica Coffee - Flavor and Roast: Dark Roast. Flavorful, robust, full-bodied. Developed by Mr. Peet and his most discerning customer, Major Dickason's Blend epitomizes the rich, flavorful taste of Peet's - Brewing Methods: Peet's single serve, K-Cup Pods are compatible with all Keurig K-Cup Brewers - Recyclable: Peet's K-Cup Pods are fully recyclable - peel, compost or dispose grounds & recycle. Check locally, not recycled in all communities. - Sourcing with Impact: The coffee you buy can impact the welfare of the people and planet. Peet's is actively engaged in driving positive impact in communities where our coffees are grown.

Flavor Name: Major Dickasons Blend    Size: 60 Count (Pack of 1)

- 🔥【Powerful Performance & AI Voice】Beelink SER9 Pro AI mini pc equips with 3rd Gen AMD AI PC Processor Ryzen AI 9 HX 370(12C/24T, up to 5.1GHz), Latest CPU Architecture Zen5, Total NPU+CPU+GPU AI Performance up to 80 TOPS, Fully upgraded CPU, GPU, and NPU architecture significantly boosts overall performance, delivering a faster, smarter, and more secure Al PC experience.The Built-in microphone is powered by an Al chip that supports smart audio pickup, which enables it to effectively separate voice command from background noise. 360° barrier-free voice recognition within 5 meters. The picked up audio is processed by an Al chip, making recorded vocals sound more natural and authentic. - 🔥【Lastest GPU 890M & XDNA 2 NPU】Beelink AI PC integrates AMD Radeon 890M 16core 2900 MHz GPU to deliver powerful graphics processing power to easily handle the demands of complex design software, 4K UHD video editing, and playback, or running AAA games. And It can connect 3 screens via HDMI & DisplayPort 1.4 & Full Featured USB4 to efficiently handle your tasks and meet your specific needs. NPU with 50 Al TOPS and ray tracing, support greatly enhances 3D rendering and design experiences. Also, VRAM can be configured to be as large as 16GB! The NPU works in tandem with the Radeon 890M GPU to accelerate Al drawing, resulting in faster image generation and more intricate details. - 🔥【Large Capacity Storage & Quiet】The AI Mini PC comes with 32GB(8GB x4) LPDDR5X 8000MHz high frequency memory, which can deliver you the smoothest experience in Al computing. There are also Dual M.2 PCle 4.0 x4 SSD slots under the hood, supporting up to 8TB of fast internal storage. Multitask working can be performed smoothly, and all your necessary software applications can be accommodated in this small machine. Beelink Mini PC uses MSC2.0 cooling system, air intake at the bottom and air dissipation at the back achieve high efficiency heat dissipation. The SER9 Pro operates at a noise level of as low as "32dB", so you can simply enjoy undisturbed gaming in peace. - 🔥【Multiple Interfaces & Dual-Speakers】Beelink Mini PC has a 2.5Gbps Ethernet LAN (RJ-45, Network interface speed up to 2.5Gbps bandwidth rate), 2.4Gbps WiFi6(802.11ax, stronger capacity of resisting disturbance), and built-in Bluetooth 5.2, high-speed wireless connection makes you step ahead. And 2*USB3.2 ports(10Gbps), 2*USB2.0 480Mbps ports, 1*HDMI port, 1*DP port, 1*USB-C port(USB4 40Gbps), 1*USB-C 10Gbps port and 2*Audio Jack, 1*DC Jack, thus offering the user even greater versatility in use. Built-in dual-speakers can offer sound with high volume, and powerful impact. Without the need for external audio equipment, the SER9 can bring you an immersive audio experience all by itself. - 🔥【Lifetime After-Sales Service】Beelink has been dedicated to R&D AI Mini PC for many years. All Beelink AI Mini PC have passed strict inspection before shipping. The accessories include 1 x User Manual, 1 x HDMI Cable, and 1 x Power Adapter(US, If you want EU/UK, please contact me). If you have any questions, please don’t hesitate to contact us. We are 100% guaranteed to solve your problems. We offer lifetime technical support, a 1-Year-free warranty, and 24/7 after-sales service. All of our products obtained FCC, RoHS, and CE Certifications.

Size: SER9 Pro 32G/1T/HX 370

- The information below is per-pack only - Contains six (6) Boxes of 10 Peet's Major Dickason's Blend Dark Roast Coffee Keurig K-Cup Pods (60 K-Cup Pods Total - 100% Arabica Coffee - Flavor and Roast: Dark Roast. Flavorful, robust, full-bodied. Developed by Mr. Peet and his most discerning customer, Major Dickason's Blend epitomizes the rich, flavorful taste of Peet's - Brewing Methods: Peet's single serve, K-Cup Pods are compatible with all Keurig K-Cup Brewers - Recyclable: Peet's K-Cup Pods are fully recyclable - peel, compost or dispose grounds & recycle. Check locally, not recycled in all communities. - Sourcing with Impact: The coffee you buy can impact the welfare of the people and planet. Peet's is actively engaged in driving positive impact in communities where our coffees are grown.

Flavor Name: Major Dickason's Blend    Size: 60 Count (Pack of 2)

- All-round Military-grade Protection: The tomtoc Laptop shoulder bag features CornerArmor technology with 4 corner protectors, high resilient edges, high-density padding, and Water-resistant fabric combined to protect your device from the inevitable bumps, dents, scratches, and water spills. The computer handbag has passed the military standard drop test in 2020 (MIL-STD-810H: 2019) - Smart Tri-compartment Storage System: The laptop case has two separate compartments with several small pockets and a strap for Airtag or key. It can keep your electronic accessories, such as charger, cable, USB hub, Kindle, etc., stay organized. In addition, a hidden pocket on the back allows you to store your personal belongings for easy access while remaining secure - Quality Meets Performance: Top-quality YKK zippers, all reinforced stress points, and padded and fleece sophisticated interline design meet or exceed your expectations for laptop bag quality. PU leather handles and lightweight design provide you with maximum comfort. Eco-friendly recycled fabrics enable us to give complete protection to your computer while also protecting our environment - Wirecutter Pick Awards: Standing out with incredible carrying versatility and outstanding quality, our A42 Series were appraised "A Great Laptop Bag" by Wirecutter (A New York Times Company); Detachable shoulder strap, a comfortable shoulder pad, and a durable carabiner make it a comfortable shoulder bag perfect for business, school, or travel - What You Get: 12-month worry-free Warranty, friendly and timely customer support, A laptop shoulder bag for 16-inch New MacBook Pro M4/M3/M2/M1 Pro/Max 2024-2019 A2991 A2779 A2485 A2141, Also compatible with Dell XPS 15 | 15 Inch New Microsoft Surface Book 3, The New Razer Blade 16 | ThinkPad X1 Extreme Gen 5 15”, and most 14 inch laptop, etc.; Internal Dimensions - 14.01" x 9.76" x 0.66"

Color: Black

- SUPERCHARGED BY M4 PRO OR M4 MAX — The 16-inch MacBook Pro with the M4 Pro or M4 Max chip gives you outrageous performance in a powerhouse laptop built for Apple Intelligence.* With all-day battery life and a breathtaking Liquid Retina XDR display with up to 1600 nits peak brightness, it’s pro in every way.* - CHAMPION CHIPS — The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the most challenging workflows, like rendering intricate 3D content. - BUILT FOR APPLE INTELLIGENCE—Apple Intelligence is the personal intelligence system that helps you write, express yourself, and get things done effortlessly. With groundbreaking privacy protections, it gives you peace of mind that no one else can access your data—not even Apple.* - ALL-DAY BATTERY LIFE — MacBook Pro delivers the same exceptional performance whether it’s running on battery or plugged in. - APPS FLY WITH APPLE SILICON — All your favorites, including Microsoft 365 and Adobe Creative Cloud, run lightning fast in macOS.* - IF YOU LOVE IPHONE, YOU’LL LOVE MAC — Mac works like magic with your other Apple devices. View and control what’s on your iPhone from your Mac with iPhone Mirroring.* Copy something on iPhone and paste it on Mac. Send texts with Messages or use your Mac to answer FaceTime calls.* - BRILLIANT PRO DISPLAY — The 16.2-inch Liquid Retina XDR display features 1600 nits peak brightness, up to 1000 nits sustained brightness, and 1,000,000:1 contrast.* - ADVANCED CAMERA AND AUDIO — Stay perfectly framed and sound great with a 12MP Center Stage camera, three studio-quality mics, and six speakers with Spatial Audio and support for Dolby Atmos. - CONNECT IT ALL — This MacBook Pro features three Thunderbolt 5 ports and a MagSafe 3 charging port, SDXC card slot, HDMI port, and headphone jack. And it supports up to two external displays with M4 Pro, or up to four with M4 Max. - LEGAL DISCLAIMERS — This is a summary of the main product features. See below to learn more.

Style: Apple M4 Pro chip    Capacity: 24GB Unified Memory, 512GB SSD Storage    Color: Space Black    Set: without AppleCare+

No description available.

Color: Cognac

- Twist Rainbow: ERYONE 3D printer ultra silk twist rainbow is three colors co-extruded, 5-8 meters color will be twisted, color change fast! - Unique Style: ERYONE 3D printer ultra silk twist rainbow filament has a completely different effect from ordinary silk rainbow, the twisted colors are beautiful and magical! - EASY TO USE: ERYONE 3D printer ultra silk twist rainbow filament is easy to print, no clogging, no bubbles, no tangling, and smooth paper feeding, making printing smoother and more stable. - HIGH ARTISTIC VALUE: ERYONE 3D Printer Filament brings smooth surface printing and high precision visual experience to the art, decorative, and home industries. Fit most FDM 3D printers. - SIZE PERFECTION: ERYONE 3D printer filament has strict dimensional standards with a diameter of 1.75 mm, dimensional accuracy of +/- 0.03 mm, and 1 kg spools (2.2 lbs).

Color: Silk Twist Obsidian    Size: 1KG

- Ultra High-Speed Printing - FLASHFORGE high-speed PLA filament features rapid melting and smooth flow, enabling speeds up to 500mm/s (many models reach 600+ mm/s due to variable fill rates), ensuring high-quality prints and faster production. - High-Precision Printing - Even at high speeds, it maintains excellent layer adhesion, reducing layer separation risk, and its low shrinkage ensures stable dimensions and finely detailed surfaces. - Upgraded Tangle-Smooth Extrusion - Enhanced winding technology reduces tangling and blockages, ensuring uninterrupted printing. - Excellent Bed Adhesion and Stability - Achieves superb prints without pre-drying or parameter tweaks, with great first-layer adhesion and bridging performance. - Precise Dimensions and Consistency - Features CCD diameter measurement and adaptive control, maintaining a strict 1.75mm diameter with +/- 0.02mm accuracy for smooth and precise extrusion.

Color: Abyssal Red

- Ultra High-Speed Printing - FLASHFORGE high-speed PLA filament features rapid melting and smooth flow, enabling speeds up to 500mm/s (many models reach 600+ mm/s due to variable fill rates), ensuring high-quality prints and faster production. - High-Precision Printing - Even at high speeds, it maintains excellent layer adhesion, reducing layer separation risk, and its low shrinkage ensures stable dimensions and finely detailed surfaces. - Upgraded Tangle-Smooth Extrusion - Enhanced winding technology reduces tangling and blockages, ensuring uninterrupted printing. - Excellent Bed Adhesion and Stability - Achieves superb prints without pre-drying or parameter tweaks, with great first-layer adhesion and bridging performance. - Precise Dimensions and Consistency - Features CCD diameter measurement and adaptive control, maintaining a strict 1.75mm diameter with +/- 0.02mm accuracy for smooth and precise extrusion.

Color: Abyssal Purple

- Dynamic Color Shift: The Burnt Titanium Rainbow PLA filament changes between dark gold, green and blue-purple based on light and angle, creating a unique, futuristic effect. - Color Transitions: The 3D printing filament color changes every 5-8 meters, giving your prints a personalized and vibrant look. - Superior Printing Performance: No bubbles, odor, or clogging—this filament offers excellent toughness and ensures smooth, high-quality prints with minimal warping. - Wide Compatibility: With a 1.75mm diameter and ±0.03mm tolerance, it works with 99.9% of 3D printers, offering great versatility for various projects. - Printing Settings: Recommended print speed of 30-100mm/s, temperature range of 190-220°C, bed temperature of 55-70°C, and dry at 65-75°C for 12 hours before use.

Color: Burnt Titanium Nebula    Size: 1KG