Cloudmoney

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Author :
Publisher : HarperCollins
ISBN 13 : 0062936328
Total Pages : 327 pages
Book Rating : 4.0/5 (629 download)

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Book Synopsis Cloudmoney by : Brett Scott

Download or read book Cloudmoney written by Brett Scott and published by HarperCollins. This book was released on 2022-07-05 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt: The reach of Corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we’re told is a natural and inevitable move is actually the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives. In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of Big Finance and Big Tech requires “cloudmoney”—digital money underpinned by the banking sector—to replace physical cash. He dives beneath the surface of the global financial system to uncover a long-established lobbying infrastructure: an alliance of partners waging a covert war on cash. He explains the technical, political, and cultural differences between our various forms of money and shows how the cash system has been under attack for decades, as banking and tech companies promote a cashless society under the banner of progress. Cloudmoney takes us to the front lines of a war for our wallets that is also about our freedom, from marketing strategies against cash to the weaponization of COVID-19 to push fintech platforms, and from there to the rise of the cryptocurrency rebels and fringe groups pushing back. It asks the most pressing questions: Who benefits from a cashless society and who gets left behind? Is the end of cash the end of true privacy? And is our cloudmoney future closer than we think it is?

Summary of Brett Scott's Cloudmoney

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Author :
Publisher : Everest Media LLC
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.8/5 (225 download)

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Book Synopsis Summary of Brett Scott's Cloudmoney by : Everest Media

Download or read book Summary of Brett Scott's Cloudmoney written by Everest Media and published by Everest Media LLC. This book was released on 2022-07-24T22:59:00Z with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Please note: This is a companion version & not the original book. Sample Book Insights: #1 The taller your building is, the less down-to-earth a mindset you must have. The architecture of these skyscrapers echoes our relationship with high finance, as most people stand beneath them, on the outside looking up. #2 Bankers are rarely in control of their own institutions, and are often channelling a logic that transcends them. The suits they wear are like protective uniforms, and the toilet is the only place where they might reveal a chink in that armor. #3 The global finance corporation community is like a dense nerve centre for a multi-layered empire of money and promises for money communicated via fibre optic cables under seabeds and routed via offshore centres. #4 The global monetary systems are interconnected networks that spread to the farthest reaches of the planet. They are embedded in us, and reach the dustiest small town. Everything in the final analysis is derived from our ecological systems, without which we would die.

The Heretic's Guide to Global Finance

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Author :
Publisher : Pluto Press
ISBN 13 : 9780745333519
Total Pages : 0 pages
Book Rating : 4.3/5 (335 download)

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Book Synopsis The Heretic's Guide to Global Finance by : Brett Scott

Download or read book The Heretic's Guide to Global Finance written by Brett Scott and published by Pluto Press. This book was released on 2013-05-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Popular anger against bankers and financial speculators has never been greater, yet the practical workings of the system remain opaque to many people. The Heretic's Guide to Global Finance aims to bridge the gap between protest slogans and practical proposals for reform. As a stockbroker turned campaigner, Brett Scott has a unique understanding of life inside and outside the system. The Heretic's Guide to Global Finance is a practical handbook for campaigners, academics and students who wish to deepen their understanding of the inner workings of the financial sector. It shows how financial knowledge can be used to build effective social and environmental campaigns. Scott covers topics frequently overlooked, such as the cultural aspects of the financial sector, and considers major issues such as agricultural speculation, carbon markets and tar sands financing. The book shows how activists can use the internal dynamics of the sector to reform it and showcases the growing alternative finance movement.

Radically Human

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Author :
Publisher : Harvard Business Press
ISBN 13 : 1647821096
Total Pages : 152 pages
Book Rating : 4.6/5 (478 download)

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Book Synopsis Radically Human by : Paul Daugherty

Download or read book Radically Human written by Paul Daugherty and published by Harvard Business Press. This book was released on 2022-04-26 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology advances are making tech more . . . human. This changes everything you thought you knew about innovation and strategy. In their groundbreaking book, Human + Machine, Accenture technology leaders Paul R. Daugherty and H. James Wilson showed how leading organizations use the power of human-machine collaboration to transform their processes and their bottom lines. Now, as new AI powered technologies like the metaverse, natural language processing, and digital twins begin to rapidly impact both life and work, those companies and other pioneers across industries are tipping the balance even more strikingly toward the human side with technology-led strategy that is reshaping the very nature of innovation. In Radically Human, Daugherty and Wilson show this profound shift, fast-forwarded by the pandemic, toward more human—and more humane—technology. Artificial intelligence is becoming less artificial and more intelligent. Instead of data-hungry approaches to AI, innovators are pursuing data-efficient approaches that enable machines to learn as humans do. Instead of replacing workers with machines, they're unleashing human expertise to create human-centered AI. In place of lumbering legacy IT systems, they're building cloud-first IT architectures able to continuously adapt to a world of billions of connected devices. And they're pursuing strategies that will take their place alongside classic, winning business formulas like disruptive innovation. These against-the-grain approaches to the basic building blocks of business—Intelligence, Data, Expertise, Architecture, and Strategy (IDEAS)—are transforming competition. Industrial giants and startups alike are drawing on this radically human IDEAS framework to create new business models, optimize post-pandemic approaches to work and talent, rebuild trust with their stakeholders, and show the way toward a sustainable future. With compelling insights and fresh examples from a variety of industries, Radically Human will forever change the way you think about, practice, and win with innovation.

The Founders

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Author :
Publisher : Simon and Schuster
ISBN 13 : 1501197258
Total Pages : 484 pages
Book Rating : 4.5/5 (11 download)

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Book Synopsis The Founders by : Jimmy Soni

Download or read book The Founders written by Jimmy Soni and published by Simon and Schuster. This book was released on 2022-02-22 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: NAMED A BEST BOOK OF 2022 BY THE NEW YORKER National Bestseller * New York Times Editors’ Choice * Financial Times “Books to Read in 2022” A SABEW BEST IN BUSINESS BOOK AWARDS FINALIST “A gripping account of PayPal’s origins and a vivid portrait of the geeks and contrarians who made its meteoric rise possible” (The Wall Street Journal)—including Elon Musk, Amy Rowe Klement, Peter Thiel, Julie Anderson, Max Levchin, Reid Hoffman, and many others whose stories have never been shared. Today, PayPal’s founders and earliest employees are considered the technology industry’s most powerful network. Since leaving PayPal, they have formed, funded, and advised the leading companies of our era, including Tesla, Facebook, YouTube, SpaceX, Yelp, Palantir, and LinkedIn, among many others. As a group, they have driven twenty-first-century innovation and entrepreneurship. Their names stir passions; they’re as controversial as they are admired. Yet for all their influence, the story of where they first started has gone largely untold. Before igniting the commercial space race or jumpstarting social media’s rise, they were the unknown creators of a scrappy online payments start-up called PayPal. In building what became one of the world’s foremost companies, they faced bruising competition, internal strife, the emergence of widespread online fraud, and the devastating dot-com bust of the 2000s. Their success was anything but certain. In The Founders: The Story of PayPal and the Entrepreneurs Who Shaped Silicon Valley, award-winning author and biographer Jimmy Soni explores PayPal’s turbulent early days. With hundreds of interviews and unprecedented access to thousands of pages of internal material, he shows how the seeds of so much of what shapes our world today—fast-scaling digital start-ups, cashless currency concepts, mobile money transfer—were planted two decades ago. He also reveals the stories of countless individuals who were left out of the front-page features and banner headlines but who were central to PayPal’s success. Described as “an intensely magnetic chronicle” (The New York Times) and “engrossing” (Business Insider), The Founders is a story of iteration and inventiveness—the products of which have cast a long and powerful shadow over modern life. This narrative illustrates how this rare assemblage of talent came to work together and how their collaboration changed our world forever.

Open Wide The Freedom Gates

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Author :
Publisher : PublicAffairs
ISBN 13 : 0786739754
Total Pages : 346 pages
Book Rating : 4.7/5 (867 download)

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Book Synopsis Open Wide The Freedom Gates by : Dorothy Height

Download or read book Open Wide The Freedom Gates written by Dorothy Height and published by PublicAffairs. This book was released on 2009-04-28 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dorothy Height marched at civil rights rallies, sat through tense White House meetings, and witnessed every major victory in the struggle for racial equality. Yet as the sole woman among powerful, charismatic men, someone whose personal ambition was secondary to her passion for her cause, she has received little mainstream recognition -- until now. In her memoir, Dr. Height, now ninety-one, reflects on a life of service and leadership. We witness her childhood encounters with racism and the thrill of New York college life during the Harlem Renaissance. We see her protest against lynchings. We sit with her onstage as Martin Luther King Jr. delivers his "I Have a Dream" speech. We meet people she knew intimately throughout the decades: W.E.B. DuBois, Marcus Garvey, Eleanor Roosevelt, Mary McLeod Bethune, Adam Clayton Powell Sr., Langston Hughes, and many others. And we watch as she leads the National Council of Negro Women for forty-one years, her diplomatic counsel sought by U.S. Presidents from Eisenhower to Clinton. After the fierce battles of the 1960s, Dr. Height concentrates on troubled black communities, on issues like rural poverty, teen pregnancy and black family values. In 1994, her efforts are officially recognized. Along with Rosa Parks, she receives the Presidential Medal of Freedom, the nation's highest civilian honor.

Creative Acts for Curious People

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Author :
Publisher : Ten Speed Press
ISBN 13 : 1984858173
Total Pages : 305 pages
Book Rating : 4.9/5 (848 download)

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Book Synopsis Creative Acts for Curious People by : Sarah Stein Greenberg

Download or read book Creative Acts for Curious People written by Sarah Stein Greenberg and published by Ten Speed Press. This book was released on 2021-09-21 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER OF THE PORCHLIGHT BUSINESS BOOK AWARD • “A delightful, compelling book that offers a dazzling array of practical, thoughtful exercises designed to spark creativity, help solve problems, foster connection, and make our lives better.”—Gretchen Rubin, New York Times bestselling author and host of the Happier podcast In an era of ambiguous, messy problems—as well as extraordinary opportunities for positive change—it’s vital to have both an inquisitive mind and the ability to act with intention. Creative Acts for Curious People is filled with ways to build those skills with resilience, care, and confidence. At Stanford University’s world-renowned Hasso Plattner Institute of Design, aka “the d.school,” students and faculty, experts and seekers bring together diverse perspectives to tackle ambitious projects; this book contains the experiences designed to help them do it. A provocative and highly visual companion, it’s a definitive resource for people who aim to draw on their curiosity and creativity in the face of uncertainty. Teeming with ideas about discovery, learning, and leading the way through unknown creative territory, Creative Acts for Curious People includes memorable stories and more than eighty innovative exercises. Curated by executive director Sarah Stein Greenberg, after being honed in the classrooms of the d.school, these exercises originated in some of the world’s most inventive and unconventional minds, including those of d.school and IDEO founder David M. Kelley, ReadyMade magazine founder Grace Hawthorne, innovative choreographer Aleta Hayes, Google chief innovation evangelist Frederik G. Pferdt, and many more. To bring fresh approaches to any challenge–world changing or close to home–you can draw on exercises such as Expert Eyes to hone observation skills, How to Talk to Strangers to foster understanding, and Designing Tools for Teams to build creative leadership. The activities are at once lighthearted, surprising, tough, and impactful–and reveal how the hidden dynamics of design can drive more vibrant ways of making, feeling, exploring, experimenting, and collaborating at work and in life. This book will help you develop the behaviors and deepen the mindsets that can turn your curiosity into ideas, and your ideas into action.

The Digital Silk Road

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Author :
Publisher : HarperCollins
ISBN 13 : 0063046296
Total Pages : 368 pages
Book Rating : 4.0/5 (63 download)

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Book Synopsis The Digital Silk Road by : Jonathan E. Hillman

Download or read book The Digital Silk Road written by Jonathan E. Hillman and published by HarperCollins. This book was released on 2021-10-19 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: An expert on China’s global infrastructure expansion provides an urgent look at the battle to connect and control tomorrow’s networks. From the ocean floor to outer space, China’s Digital Silk Road aims to wire the world and rewrite the global order. Taking readers on a journey inside China’s surveillance state, rural America, and Africa’s megacities, Jonathan Hillman reveals what China’s expanding digital footprint looks like on the ground and explores the economic and strategic consequences of a future in which all routers lead to Beijing. If China becomes the world’s chief network operator, it could reap a commercial and strategic windfall, including many advantages currently enjoyed by the United States. It could reshape global flows of data, finance, and communications to reflect its interests. It could possess an unrivaled understanding of market movements, the deliberations of foreign competitors, and the lives of countless individuals enmeshed in its networks. However, China’s digital dominance is not yet assured. Beijing remains vulnerable in several key dimensions, the United States and its allies have an opportunity to offer better alternatives, and the rest of the world has a voice. But winning the battle for tomorrow’s networks will require the United States to innovate and take greater risks in emerging markets. Networks create large winners, and this is a contest America cannot afford to lose.

Scandalmonger

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Author :
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 9780156013239
Total Pages : 500 pages
Book Rating : 4.0/5 (132 download)

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Book Synopsis Scandalmonger by : William Safire

Download or read book Scandalmonger written by William Safire and published by Houghton Mifflin Harcourt. This book was released on 2001 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: A historical novel based on five scandals in 1790's America.

Morgan

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Author :
Publisher : Random House Trade Paperbacks
ISBN 13 : 0812987047
Total Pages : 850 pages
Book Rating : 4.8/5 (129 download)

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Book Synopsis Morgan by : Jean Strouse

Download or read book Morgan written by Jean Strouse and published by Random House Trade Paperbacks. This book was released on 2014-09-09 with total page 850 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER The definitive full-scale portrait of J. Pierpont Morgan’s tumultuous life, both in and out of the public eye History has remembered him as a complex and contradictory figure, part robber baron and part patron saint. J. Pierpont Morgan earned his reputation as “the Napoleon of Wall Street” by reorganizing the nation’s railroads and creating industrial giants such as General Electric and U.S. Steel. At a time when the country had no Federal Reserve system, he appointed himself a one-man central bank. He had two wives, three yachts, four children, six houses, mistresses, and one of the finest art collections in America. In this extraordinary book, drawing extensively on new material, award-winning biographer Jean Strouse vividly portrays the financial colossus, the avid patron of the arts, and the entirely human character behind all the myths. Praise for Morgan “Magnificent . . . the fullest and most revealing look at this remarkable, complex man that we are likely to get.”—The Wall Street Journal “A masterpiece . . . No one else has told the tale of Pierpont Morgan in the detail, depth, and understanding of Jean Strouse.”—Robert Heilbroner, Los Angeles Times Book Review “It is hard to imagine a biographer coming any closer to perfection.”—St. Louis Post-Dispatch “Strouse is in full command of Pierpont Morgan’s personal life, his financial operations, his collecting, and his benefactions, and presents a rich, vivid picture of the background against which they took place. . . . A magnificent biography.”—The New York Review of Books “With uncommon intelligence, maturity, and psychological insight, Morgan: American Financier is that rare masterpiece biography that enables us to penetrate the soul of a complex human being.”—The Philadelphia Inquirer

Economy Studies

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Author :
Publisher : Amsterdam University Press
ISBN 13 : 904855280X
Total Pages : pages
Book Rating : 4.0/5 (485 download)

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Book Synopsis Economy Studies by : Sam de Muijnck

Download or read book Economy Studies written by Sam de Muijnck and published by Amsterdam University Press. This book was released on 2021-12-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Economy Studies project emerged from the worldwide movement to modernise economics education, spurred on by the global financial crisis of 2008, the climate crisis, and the COVID-19 pandemic. It envisions a wide variety of economics graduates and specialists, equipped with a broad toolkit, enabling them to collectively understand and help tackle the issues the world faces today. This is a practical guide for (re-)designing economics courses and programs. Based on a clear conceptual framework and ten flexible building blocks, this handbook offers refreshing ideas and practical suggestions to stimulate student engagement and critical thinking across a wide range of courses.

We, the Robots?

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Author :
Publisher : Cambridge University Press
ISBN 13 : 1316517683
Total Pages : 311 pages
Book Rating : 4.3/5 (165 download)

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Book Synopsis We, the Robots? by : Simon Chesterman

Download or read book We, the Robots? written by Simon Chesterman and published by Cambridge University Press. This book was released on 2021-08-05 with total page 311 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains how artificial intelligence is pushing the limits of the law and how we must respond.

Dean Acheson

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Author :
Publisher : Yale University Press
ISBN 13 : 9780300060751
Total Pages : 474 pages
Book Rating : 4.0/5 (67 download)

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Book Synopsis Dean Acheson by : Douglas Brinkley

Download or read book Dean Acheson written by Douglas Brinkley and published by Yale University Press. This book was released on 1992-01-01 with total page 474 pages. Available in PDF, EPUB and Kindle. Book excerpt: Acheson was President Harry Truman's secretary of state, the American father of NATO and active in US foreign policy after World War II. He was also a Democratic Party activist in Eisenhower's presidency and an advisor in the Kennedy, Johnson and Nixon eras. This charts his post-secretarial career.

Economics Without the Boring Bits

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Author :
Publisher : Welbeck
ISBN 13 : 1802790624
Total Pages : 217 pages
Book Rating : 4.8/5 (27 download)

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Book Synopsis Economics Without the Boring Bits by : Tejvan Pettinger

Download or read book Economics Without the Boring Bits written by Tejvan Pettinger and published by Welbeck. This book was released on 2021-08-03 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: Where does wealth come from? How is it different from money? Does division of labour mean that the best people are hired to do the job? Does government intervention prevent or create crises? What is the most effective way to protect the environment? The great Scottish historian Thomas Carlyle dismissed economics as "the dismal science", yet it is at the heart of everything we do. Economics without the Boring Bits is a clear, comprehensive and richly anecdotal guide to debt, finance, trade, money, taxation, supply, demand and all the other big issues that worry us all yet relatively few truly understand. Oxford-trained economist Tejvan Pettinger takes readers on an enlightening tour of the powerful, counter-intuitive and frequently startling insights of economic research, showing us that middlemen are good, recycling is bad (sometimes) and why some people get rich and others don't. If you want to understand the wealth of nations without wading through The Wealth of Nations, this is the ideal place to start.

Boundaries

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Publisher : Zondervan
ISBN 13 : 0310247454
Total Pages : 324 pages
Book Rating : 4.3/5 (12 download)

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Book Synopsis Boundaries by : Henry Cloud

Download or read book Boundaries written by Henry Cloud and published by Zondervan. This book was released on 2002-03-18 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: When to say yes, when to say no to take control of your life.

Cloudmoney: Efectivo, tarjetas, criptomonedas y la lucha por nuestras carteras / Cloudmoney. Cash, Cards, Crypto and the War for our Wallets

Download Cloudmoney: Efectivo, tarjetas, criptomonedas y la lucha por nuestras carteras / Cloudmoney. Cash, Cards, Crypto and the War for our Wallets PDF Online Free

Author :
Publisher : National Geographic Books
ISBN 13 : 8417636420
Total Pages : 0 pages
Book Rating : 4.4/5 (176 download)

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Book Synopsis Cloudmoney: Efectivo, tarjetas, criptomonedas y la lucha por nuestras carteras / Cloudmoney. Cash, Cards, Crypto and the War for our Wallets by : Brett Scott

Download or read book Cloudmoney: Efectivo, tarjetas, criptomonedas y la lucha por nuestras carteras / Cloudmoney. Cash, Cards, Crypto and the War for our Wallets written by Brett Scott and published by National Geographic Books. This book was released on 2023-01-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: ¿Quién se beneficia de una sociedad sin efectivo? ¿Es el fin del dinero físico el fin de la verdadera privacidad? ¿El monopolio de las criptomonedas está más cerca de lo que pensamos? Hoy en día, muchos de nosotros apenas utilizamos dinero en efectivo y lo pagamos casi todo con tarjetas de crédito o aplicaciones del móvil. Es decir, con dinero digital. Sin embargo, lo que a todos nos parece cómodo, natural e inevitable resulta ser, fundamentalmente, el producto de poderosos intereses y manipulaciones. Cloudmoney es la enloquecedora crónica de este cambio de paradigma. Brett Scott ha buceado bajo la superficie del sistema financiero global para mostrarnos cómo las altas finanzas y las grandes compañías tecnológicas se han aliado con el objetivo de remplazar el dinero físico por el dinero digital, supuestamente en pro de una escurridiza visión de progreso, y cómo ese proceso no es más que una guerra encubierta por nuestros bolsillos y, en última instancia, por nuestra libertad. ¿Es de verdad preferible una sociedad sin efectivo, o supone el fin del dinero físico el fin de la verdadera privacidad? Ese futuro sin metálico, ¿está más cerca de lo que pensamos o aún hay tiempo para cambiar el rumbo? Un libro fundamental para entender qué es el dinero, en qué puede llegar a convertirse y cómo podemos salvarnos de las garras de las poderosas Fintech. ENGLISH DESCRIPTION Who benefits from a cashless society and who gets left behind? Is the end of cash the end of true privacy? And is our cloudmoney future closer than we think it is? The reach of Corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we’re told is a natural and inevitable move is actually the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives. In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of Big Finance and Big Tech requires “cloudmoney” —digital money underpinned by the banking sector— to replace physical cash. He dives beneath the surface of the global financial system to uncover a long-established lobbying infrastructure: an alliance of partners waging a covert war on cash. He explains the technical, political, and cultural differences between our various forms of money and shows how the cash system has been under attack for decades, as banking and tech companies promote a cashless society under the banner of progress. Cloudmoney takes us to the front lines of a war for our wallets that is also about our freedom, from marketing strategies against cash to the weaponization of COVID-19 to push fintech platforms, and from there to the rise of the cryptocurrency rebels and fringe groups pushing back.

City of Inmates

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Author :
Publisher : UNC Press Books
ISBN 13 : 1469631199
Total Pages : 312 pages
Book Rating : 4.4/5 (696 download)

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Book Synopsis City of Inmates by : Kelly Lytle Hernández

Download or read book City of Inmates written by Kelly Lytle Hernández and published by UNC Press Books. This book was released on 2017-02-15 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Los Angeles incarcerates more people than any other city in the United States, which imprisons more people than any other nation on Earth. This book explains how the City of Angels became the capital city of the world's leading incarcerator. Marshaling more than two centuries of evidence, historian Kelly Lytle Hernandez unmasks how histories of native elimination, immigrant exclusion, and black disappearance drove the rise of incarceration in Los Angeles. In this telling, which spans from the Spanish colonial era to the outbreak of the 1965 Watts Rebellion, Hernandez documents the persistent historical bond between the racial fantasies of conquest, namely its settler colonial form, and the eliminatory capacities of incarceration. But City of Inmates is also a chronicle of resilience and rebellion, documenting how targeted peoples and communities have always fought back. They busted out of jail, forced Supreme Court rulings, advanced revolution across bars and borders, and, as in the summer of 1965, set fire to the belly of the city. With these acts those who fought the rise of incarceration in Los Angeles altered the course of history in the city, the borderlands, and beyond. This book recounts how the dynamics of conquest met deep reservoirs of rebellion as Los Angeles became the City of Inmates, the nation's carceral core. It is a story that is far from over.