Publishers Palgrave macmillan

Cover for R. Kersten-W. Tow · Bilateral Perspectives on Regional Security: Australia, Japan and the Asia-Pacific Region - Critical Studies of the Asia-Pacific (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Bilateral Perspectives on Region... (2012)

R. Kersten-W. Tow

Cover for A. Shai · Zhang Xueliang: The General Who Never Fought (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Zhang Xueliang: The General Who ... (2012)

Cover for Kerstin Bruckweh · Engineering Society: The Role of the Human and Social Sciences in Modern Societies, 1880-1980 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Engineering Society: The Role of... (2012)

Kerstin Bruckweh

Cover for D. Tepe · The Myth about Global Civil Society: Domestic Politics to Ban Landmines - Palgrave Studies in International Relations (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Myth about Global Civil Soci... (2012)

Cover for The Future of Entrepreneurship in Latin America - International Political Economy Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Future of Entrepreneurship i... (2012)

Cover for Energy Security in the Era of Climate Change: The Asia-Pacific Experience - Energy, Climate and the Environment (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Energy Security in the Era of Cl... (2012)

Cover for Africa Toward 2030: Challenges for Development Policy - Rethinking International Development series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Africa Toward 2030: Challenges f... (2012)

Cover for Walter Sinclair · St. James's Place Tax Guide 2012-2013 (Paperback Book) [41st ed. 2012 edition] (2012)

41st ed. 2012 edition

St. James's Place Tax Guide 2012... (2012)

Walter Sinclair

Cover for L. Talani · Globalization, Hegemony and the Future of the City of London (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Globalization, Hegemony and the ... (2012)

Cover for Steven Silver · Networked Consumers: Dynamics of Interactive Consumers in Structured Environments (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Networked Consumers: Dynamics of... (2012)

Cover for Ian Bailey · Feeling the Heat: The Politics of Climate Policy in Rapidly Industrializing Countries - Energy, Climate and the Environment (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Feeling the Heat: The Politics o... (2012)

Cover for A. France · A Political Ecology of Youth and Crime (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

A Political Ecology of Youth and... (2012)

Cover for Alison R. Holmes · The Embassy in Grosvenor Square: American Ambassadors to the United Kingdom, 1938-2008 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Embassy in Grosvenor Square:... (2012)

Alison R. Holmes

Cover for J. Blomberg · Marketing Shares, Sharing Markets: Experts in Investment Banking (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Marketing Shares, Sharing Market... (2012)

Cover for P. Andrews-Speed · The Governance of Energy in China: Transition to a Low-Carbon Economy - Energy, Climate and the Environment (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Governance of Energy in Chin... (2012)

P. Andrews-Speed

Cover for Living in a Low-Carbon Society in 2050 - Energy, Climate and the Environment (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Living in a Low-Carbon Society i... (2012)

Cover for Hans Bruyninckx · The European Union and Multilateral Governance: Assessing EU Participation in United Nations Human Rights and Environmental Fora - Palgrave Studies in European Union Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The European Union and Multilate... (2012)

Hans Bruyninckx

Cover for Public Participation in Foreign Policy (Paperback Book) [2012 edition] (2012)

Public Participation in Foreign ... (2012)

Cover for L. Johnson · Power, Knowledge, Animals - The Palgrave Macmillan Animal Ethics Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Power, Knowledge, Animals - The ... (2012)

Cover for Action, Perception and the Brain: Adaptation and Cephalic Expression - New Directions in Philosophy and Cognitive Science (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Action, Perception and the Brain... (2012)

Cover for Carnap's Ideal of Explication and Naturalism - History of Analytic Philosophy (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Carnap's Ideal of Explication an... (2012)

Cover for M. Walker · Kant, Schopenhauer and Morality: Recovering the Categorical Imperative (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Kant, Schopenhauer and Morality:... (2012)

Cover for Kay Irie · Realizing Autonomy: Practice and Reflection in Language Education Contexts (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Realizing Autonomy: Practice and... (2012)

Cover for F. Rash · German Images of the Self and the Other: Nationalist, Colonialist and Anti-Semitic Discourse 1871-1918 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

German Images of the Self and th... (2012)

Cover for P. Brereton · Smart Cinema, DVD Add-Ons and New Audience Pleasures (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Smart Cinema, DVD Add-Ons and Ne... (2012)

Cover for D. Drake · Prisons, Punishment and the Pursuit of Security - Critical Criminological Perspectives (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Prisons, Punishment and the Purs... (2012)

Cover for K. Woodward · Sex, Power and the Games - Genders and Sexualities in the Social Sciences (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Sex, Power and the Games - Gende... (2012)

Cover for E. Aaltola · Animal Suffering: Philosophy and Culture - The Palgrave Macmillan Animal Ethics Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Animal Suffering: Philosophy and... (2012)

Cover for Andrew Radford · Franco-British Cultural Exchanges, 1880-1940: Channel Packets (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Franco-British Cultural Exchange... (2012)

Cover for M. Tonkin · Angela Carter and Decadence: Critical Fictions / Fictional Critiques (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Angela Carter and Decadence: Cri... (2012)

Cover for D. Greenham · Emerson's Transatlantic Romanticism (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Emerson's Transatlantic Romanticism (2012)

Cover for S. Frankel · Children, Morality and Society - Studies in Childhood and Youth (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Children, Morality and Society -... (2012)

Cover for Emanuela Lombardo · The Europeanization of Gender Equality Policies: A Discursive-Sociological Approach - Gender and Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Europeanization of Gender Eq... (2012)

Emanuela Lombardo

Cover for Transnational Transfers and Global Development - International Political Economy Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Transnational Transfers and Glob... (2012)

Cover for D. Halpin-G. Jordan · The Scale of Interest Organization in Democratic Politics: Data and Research Methods - Interest Groups, Advocacy and Democracy Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Scale of Interest Organizati... (2012)

D. Halpin-G. Jordan

Cover for M. Mirza · The Politics of Culture: The Case for Universalism (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Politics of Culture: The Cas... (2012)

Cover for J. Hass · Rethinking the Post Soviet Experience: Markets, Moral Economies and Cultural Contradictions of Post Socialist Russia - Euro-Asian Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Rethinking the Post Soviet Exper... (2012)

Cover for G. Harcourt · On Skidelsky's Keynes and Other Essays: Selected Essays of G. C. Harcourt (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

On Skidelsky's Keynes and Other ... (2012)

Cover for G. Harcourt · The Making of a Post-Keynesian Economist: Cambridge Harvest (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Making of a Post-Keynesian E... (2012)

Cover for Contemporary Kantian Metaphysics: New Essays on Space and Time (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Contemporary Kantian Metaphysics... (2012)

Cover for A. Roselli · Financial Structures and Regulation: A Comparison of Crises in the UK, USA and Italy - Palgrave Macmillan Studies in Banking and Financial Institutions (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Financial Structures and Regulat... (2012)

Cover for T. Taylor · Knowing What is Good For You: A Theory of Prudential Value and Well-Being (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Knowing What is Good For You: A ... (2012)

Cover for Z. Radman · Knowing without Thinking: Mind, Action, Cognition and the Phenomenon of the Background - New Directions in Philosophy and Cognitive Science (Paperback Book) [2012 edition] (2012)

Knowing without Thinking: Mind, ... (2012)

Cover for G. Duke · Dummett on Abstract Objects - History of Analytic Philosophy (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Dummett on Abstract Objects - Hi... (2012)

Cover for Research Design in European Studies: Establishing Causality in Europeanization - Palgrave Studies in European Union Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Research Design in European Stud... (2012)

Cover for M. Bentwich · Reclaiming Liberty: From Crisis to Empowerment (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Reclaiming Liberty: From Crisis ... (2012)

Cover for Basic Income Worldwide: Horizons of Reform - International Political Economy Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Basic Income Worldwide: Horizons... (2012)

Cover for M. Joannou · Women’s Writing, Englishness and National and Cultural Identity: The Mobile Woman and the Migrant Voice, 1938-62 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Women’s Writing, Englishness and... (2012)

Cover for C. Warden · British Avant-Garde Theatre (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

British Avant-Garde Theatre (2012)

Cover for A. Fuchs · After the Dresden Bombing: Pathways of Memory, 1945 to the Present - Palgrave Macmillan Memory Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

After the Dresden Bombing: Pathw... (2012)

Cover for D. Chatziefstathiou · Discourses of Olympism: From the Sorbonne 1894 to London 2012 - Global Culture and Sport Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Discourses of Olympism: From the... (2012)

D. Chatziefstathiou

Cover for K. Smith · Fairness, Class and Belonging in Contemporary England - Palgrave Politics of Identity and Citizenship Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Fairness, Class and Belonging in... (2012)

Cover for J. Surman-M. Ash · The Nationalization of Scientific Knowledge in the Habsburg Empire, 1848-1918 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Nationalization of Scientifi... (2012)

J. Surman-M. Ash

Cover for K. Hinrichs-M. Jessoula · Labour Market Flexibility and Pension Reforms: Flexible Today, Secure Tomorrow? - Work and Welfare in Europe (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Labour Market Flexibility and Pe... (2012)

K. Hinrichs-M. Jessoula

Cover for Sally Hines · Sexualities: Past Reflections, Future Directions - Genders and Sexualities in the Social Sciences (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Sexualities: Past Reflections, F... (2012)

Cover for Global Matters for Non-Governmental Public Action - Non-Governmental Public Action (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Global Matters for Non-Governmen... (2012)

Cover for E. Wilson · After Secularism: Rethinking Religion in Global Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

After Secularism: Rethinking Rel... (2012)

Cover for J. Riley-Smith · The Knights Hospitaller in the Levant, c.1070-1309 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Knights Hospitaller in the L... (2012)

Cover for P. Wilding · Negotiating Boundaries: Gender, Violence and Transformation in Brazil - Gender and Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Negotiating Boundaries: Gender, ... (2012)

Cover for P. W. Preston · England after the Great Recession: Tracking the Political and Cultural Consequences of the Crisis (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

England after the Great Recessio... (2012)

Cover for K. Donders · Public Service Media and Policy in Europe (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Public Service Media and Policy ... (2012)

Cover for Nick Ritchie · A Nuclear Weapons-Free World?: Britain, Trident and the Challenges Ahead - Global Issues (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

A Nuclear Weapons-Free World?: B... (2012)

Cover for Scientific Approaches to the Philosophy of Religion - Palgrave Frontiers in Philosophy of Religion (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Scientific Approaches to the Phi... (2012)

Cover for G. Oricchio · Private Company Valuation: How Credit Risk Reshaped Equity Markets and Corporate Finance Valuation Tools - Global Financial Markets (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Private Company Valuation: How C... (2012)

Cover for M. Jones · The Music Industries: From Conception to Consumption (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Music Industries: From Conce... (2012)

Cover for T. Prentki · The Fool in European Theatre: Stages of Folly (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Fool in European Theatre: St... (2012)

Cover for P. Triantafillou · New Forms of Governing: A Foucauldian inspired analysis (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

New Forms of Governing: A Foucau... (2012)

P. Triantafillou

Cover for L. Chappell · Germany, Poland and the Common Security and Defence Policy: Converging Security and Defence Perspectives in an Enlarged EU - New Perspectives in German Political Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Germany, Poland and the Common S... (2012)

Cover for A. Hall · Disability and Modern Fiction: Faulkner, Morrison, Coetzee and the Nobel Prize for Literature (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Disability and Modern Fiction: F... (2012)

Cover for L. Jones · Dyke / Girl: Language and Identities in a Lesbian Group (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Dyke / Girl: Language and Identi... (2012)

Cover for Women and the Media in Asia: The Precarious Self (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Women and the Media in Asia: The... (2012)

Cover for D. Gyllensporre-H. Edstrom · Pursuing Strategy: NATO Operations from the Gulf War to Gaddafi - New Security Challenges (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Pursuing Strategy: NATO Operatio... (2012)

D. Gyllensporre-H. Edstrom

Cover for The Challenge of Democratic Representation in the European Union (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Challenge of Democratic Repr... (2012)

Cover for H. Pautz · Think-Tanks, Social Democracy and Social Policy - New Perspectives in German Political Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Think-Tanks, Social Democracy an... (2012)

Cover for Institutionalizing Intersectionality: The Changing Nature of European Equality Regimes - Gender and Politics (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Institutionalizing Intersectiona... (2012)

Cover for Owain Jones · Geography and Memory: Explorations in Identity, Place and Becoming - Palgrave Macmillan Memory Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Geography and Memory: Exploratio... (2012)

Cover for R. Ziegler · Satanism, Magic and Mysticism in Fin-de-siecle France - Palgrave Historical Studies in Witchcraft and Magic (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Satanism, Magic and Mysticism in... (2012)

Cover for Marc Lavoie · The Stock-Flow Consistent Approach: Selected Writings of Wynne Godley (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Stock-Flow Consistent Approa... (2012)

Cover for N. Levine · Marx's Discourse with Hegel (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Marx's Discourse with Hegel (2012)

Cover for Irial Glynn · History, Memory and Migration: Perceptions of the Past and the Politics of Incorporation - Palgrave Macmillan Memory Studies (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

History, Memory and Migration: P... (2012)

Cover for Y. Taylor · Educational Diversity: The Subject of Difference and Different Subjects (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Educational Diversity: The Subje... (2012)

Cover for Colette Fagan · Women on Corporate Boards and in Top Management: European Trends and Policy - Work and Welfare in Europe (Paperback Book) [2012 edition] (2012)

Women on Corporate Boards and in... (2012)

Cover for Re (con)figuring Psychoanalysis: Critical Juxtapositions of the Philosophical, the Sociohistorical and the Political (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Re (con)figuring Psychoanalysis:... (2012)

Cover for G. Benziman · Narratives of Child Neglect in Romantic and Victorian Culture (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Narratives of Child Neglect in R... (2012)

Cover for T. McLean · The Other East and Nineteenth-Century British Literature: Imagining Poland and the Russian Empire (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Other East and Nineteenth-Ce... (2012)

Cover for H. Shachar · Cultural Afterlives and Screen Adaptations of Classic Literature: Wuthering Heights and Company (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Cultural Afterlives and Screen A... (2012)

Cover for L. Izzi · Basel III Credit Rating Systems: An Applied Guide to Quantitative and Qualitative Models - Finance and Capital Markets Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Basel III Credit Rating Systems:... (2012)

Cover for Corporate Management in a Knowledge-Based Economy (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Corporate Management in a Knowle... (2012)

Cover for Developmental Politics in Transition: The Neoliberal Era and Beyond - International Political Economy Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Developmental Politics in Transi... (2012)

Cover for J. Eaton · The Anglo-American Paper War: Debates about the New Republic, 1800–1825 - Britain and the World (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

The Anglo-American Paper War: De... (2012)

Cover for J. MacPherson · Women and the Irish Nation: Gender, Culture and Irish Identity, 1890-1914 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Women and the Irish Nation: Gend... (2012)

Cover for Contributions to Stock-Flow Modeling: Essays in Honor of Wynne Godley - Levy Institute Advanced Research in Economic Policy (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Contributions to Stock-Flow Mode... (2012)

Cover for Global Shipping in Small Nations: Nordic Experiences after 1960 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Global Shipping in Small Nations... (2012)

Cover for E. Bouwers · Public Pantheons in Revolutionary Europe: Comparing Cultures of Remembrance, c. 1790-1840 - War, Culture and Society, 1750–1850 (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Public Pantheons in Revolutionar... (2012)

Cover for Paola Leone · Credit Guarantee Institutions and SME Finance - Palgrave Macmillan Studies in Banking and Financial Institutions (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Credit Guarantee Institutions an... (2012)

Cover for Markus-Michael Muller · Public Security in the Negotiated State: Policing in Latin America and Beyond - Governance and Limited Statehood (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Public Security in the Negotiate... (2012)

Markus-Michael Muller

Cover for Seunghoon Emilia Heo · Reconciling Enemy States in Europe and Asia - International Relations and Development Series (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Reconciling Enemy States in Euro... (2012)

Seunghoon Emilia Heo

Cover for A. Triandafyllidou · Migrant Smuggling: Irregular Migration from Asia and Africa to Europe - Migration, Diasporas and Citizenship (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Migrant Smuggling: Irregular Mig... (2012)

A. Triandafyllidou

Cover for Leaders of the Opposition: From Churchill to Cameron (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Leaders of the Opposition: From ... (2012)

Cover for R. Latham · Public Services and Financial Austerity: Getting Out of the Hole? (Paperback Book) [1st ed. 2012 edition] (2012)

1st ed. 2012 edition

Public Services and Financial Au... (2012)