Open Access. Powered by Scholars. Published by Universities.®
- Institution
-
- University of Pittsburgh School of Law (13)
- Institute of Social Sciences, TOYO University (8)
- Columbia Law School (3)
- Purdue University (3)
- Singapore Management University (3)
-
- Fordham University (2)
- Liberty University (2)
- Notre Dame Law School (2)
- Old Dominion University (2)
- University of Michigan Law School (2)
- University of Pennsylvania Carey Law School (2)
- University of Tennessee, Knoxville (2)
- Association of Arab Universities (1)
- Bard College (1)
- Brigham Young University (1)
- Bucknell University (1)
- Central Washington University (1)
- City University of New York (CUNY) (1)
- Claremont Colleges (1)
- Colby College (1)
- Duke Law (1)
- Emory University School of Law (1)
- Georgia Southern University (1)
- Marshall University (1)
- Maurer School of Law: Indiana University (1)
- Pace University (1)
- Portland State University (1)
- SIT Graduate Institute/SIT Study Abroad (1)
- Seattle University School of Law (1)
- Trinity College (1)
- Keyword
-
- China (5)
- Technology (5)
- COVID-19 (4)
- Law (4)
- Science (4)
-
- Society (4)
- Antitrust (3)
- Climate Change (3)
- Globalization (3)
- WTO (3)
- Abortion (2)
- Commercial Law (2)
- Congressional oversight (2)
- Contract law (2)
- Democracy (2)
- EU (2)
- Economic Theory (2)
- Economics (2)
- Electricity (2)
- Facts (2)
- Geopolitics (2)
- International Law (2)
- Just Transition (2)
- Justice (2)
- Multilateralism (2)
- Nonprofit (2)
- Privacy (2)
- Public Policy (2)
- Real income (2)
- Renewable energy (2)
- Publication
-
- Japanese Society and Culture (8)
- Book Chapters (7)
- Articles (5)
- Faculty Scholarship (4)
- Libraries Faculty and Staff Presentations (3)
-
- Research Collection Yong Pung How School Of Law (3)
- All Faculty Scholarship (2)
- Economics Faculty Publications (2)
- Helm's School of Government Conference - American Revival: Citizenship & Virtue (2)
- Honors Theses (2)
- Journal Articles (2)
- Student Theses 2015-Present (2)
- Adultspan Journal (1)
- All Master's Theses (1)
- American Indian Law Journal (1)
- Baker Scholar Projects (1)
- CMC Senior Theses (1)
- Dissertations, Theses, and Capstone Projects (1)
- Doctoral Dissertations (1)
- Faculty Articles (1)
- Future Journal of Social Science (1)
- Genocide Studies and Prevention: An International Journal (1)
- Honors College Theses (1)
- Independent Study Project (ISP) Collection (1)
- Indiana Law Journal (1)
- Journal Of Middle East and Islamic Studies (1)
- Journal of Nonprofit Innovation (1)
- Law & Economics Working Papers (1)
- Major Papers (1)
- Michigan Journal of Environmental & Administrative Law (1)
- Publication Type
- File Type
Articles 1 - 30 of 67
Full-Text Articles in Economics
Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia
Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia
Journal of Nonprofit Innovation
Urban farming can enhance the lives of communities and help reduce food scarcity. This paper presents a conceptual prototype of an efficient urban farming community that can be scaled for a single apartment building or an entire community across all global geoeconomics regions, including densely populated cities and rural, developing towns and communities. When deployed in coordination with smart crop choices, local farm support, and efficient transportation then the result isn’t just sustainability, but also increasing fresh produce accessibility, optimizing nutritional value, eliminating the use of ‘forever chemicals’, reducing transportation costs, and fostering global environmental benefits.
Imagine Doris, who is …
Written Testimony Of Philip Hackney For The Hearing On Growth Of The Tax-Exempt Sector And The Impact On The American Political Landscape (U.S. House Ways & Means Subcommittee On Oversight, December 13, 2023), Philip Hackney
Testimony
In written testimony before the House Ways & Means Subcommittee on Oversight on December 13, 2023, Professor Hackney emphasized three points about tax-exempt organizations and politics: (1) a diverse nonprofit sector that fosters civic participation and engagement is a gem of the United States -- we should maintain that; (2) the IRS budget for Exempt Organizations continues to NOT be sufficient to ensure the laws are equally and fairly enforced; and (3) there are simple things the IRS could do to enforce the law that it is not doing.
Ordeals Of Returnee Bangladeshi Migrant Women Domestic Workers, Md. Mahamudul Haque
Ordeals Of Returnee Bangladeshi Migrant Women Domestic Workers, Md. Mahamudul Haque
Future Journal of Social Science
This article explores the ordeals of returnee female domestic migrant workers of Bangladesh to find out ways help formulate policies by the government. A study has been conducted based on primary and secondary sources. It finds that all types of tortures, including physical, sexual, setting them on afire, forcibly cutting their hair, and hit and falls from rooftop, has to be faced by the women migrant workers. The Bangladeshi female migrant workers have to work for 16-18 hours in a day. They are made untimely repatriation to Bangladesh without pay blaming them for theft or such other false allegations. This …
China’S Changing Perspective On The Wto: From Aspiration, Assimilation To Alienation, Henry S. Gao
China’S Changing Perspective On The Wto: From Aspiration, Assimilation To Alienation, Henry S. Gao
Research Collection Yong Pung How School Of Law
Since its accession to the WTO twenty years ago, China’s image has shifted from a good student aspiring to assimilate itself into the multilateral trading system to one that is increasingly alienated from key WTO principles. How has China’s perspective on WTO been evolving? What are the reasons behind China’s changing perspective? This chapter addresses these questions from the Chinese perspective with a comprehensive analysis of the key moments in China’s first two decades in the WTO, followed by practical suggestions on how to engage China more constructively in the WTO and beyond.
Book Review: Kings, Conquerors, Psychopaths: From Alexander To Hitler To The Corporation, Tim Bakken
Book Review: Kings, Conquerors, Psychopaths: From Alexander To Hitler To The Corporation, Tim Bakken
Genocide Studies and Prevention: An International Journal
The book Kings, Conquerors, Psychopaths is a survey of a vast amount of human wrongdoing. It lays bare the motivations of aggressors who wish to subjugate nations or groups of people and corporate executives and government bureaucrats who make discretionary decisions that harm people. Along with cataloging mass killings by despots and soldiers, the book includes stories about Ponzi-schemers and the deaths of automobile drivers and passengers who were killed by vehicle defects known to the manufacturer. The book posits that “[p]owerful, elite forces are trying to force us backward toward a non-democratic state, one where power, wealth, and prerogative …
A Comparison Of Clustered And Isolated Casino Performance In Missouri, Douglas M. Walker, Todd M. Nesbit
A Comparison Of Clustered And Isolated Casino Performance In Missouri, Douglas M. Walker, Todd M. Nesbit
UNLV Gaming Research & Review Journal
This paper utilizes data on Missouri’s casino industry to examine how clustered casinos, such as those in Kansas City and St. Louis, perform compared to dispersed or isolated casinos, such as those in Boonville, Caruthersville, La Grange, and St. Joseph. Missouri limits the number of casino licenses allowed; however, it does not explicitly mandate casino locations. Missouri provides a unique natural experiment for comparing location model performance. Although there is no published research on which type of casino location model is more effective for generating industry revenues and associated taxes, state legislatures have nevertheless been following an isolated casino location …
The Slogans And Goals Of Antitrust Law, Herbert J. Hovenkamp
The Slogans And Goals Of Antitrust Law, Herbert J. Hovenkamp
All Faculty Scholarship
This is a comparative examination of the slogans and goals most advocated for antitrust law today – namely, that antitrust should be concerned with “bigness,” that it should intervene when actions undermine the “competitive process,” or that it should be concerned about promoting some conception of welfare. “Bigness” as an antitrust concern targets firms based on absolute size rather than share of a market, as antitrust traditionally has done. The bigness approach entails that antitrust cannot be concerned about low prices, or the welfare of consumers and labor. Nondominant firms could not sustain very high prices or cause significant reductions …
Minimum Exchange Rate And A Negative Interest Rate: The Swiss National Bank’S Unconventional Monetary Policy During Eurozone Volatility, Wally Bargeron
Minimum Exchange Rate And A Negative Interest Rate: The Swiss National Bank’S Unconventional Monetary Policy During Eurozone Volatility, Wally Bargeron
Independent Study Project (ISP) Collection
Monetary policy is one of the most important tools that a government has to influence its economy. This means the ability for a country to determine their own monetary policy is important to that country’s autonomy. Switzerland has consistently based its decisions on what would afford it the highest level of autonomy, including the decision not to join the European Union and subsequently the decision to retain their own currency.
The Swiss National Bank retains the mandate to keep price levels (inflation) stable, but it is challenged by an appreciating currency. Because the Swiss Franc is a safe-haven currency, money …
The Role Of U.S. Government Regulatioms, Bert Chapman
The Role Of U.S. Government Regulatioms, Bert Chapman
Libraries Faculty and Staff Presentations
Provides detailed coverage of information resources on U.S. Government information resources for federal regulations. Features historical background on these regulations, details on the Federal Register and Code of Federal Regulations, includes information on individuals can participate in the federal regulatory process by commenting on proposed agency regulations via https://regulations.gov/, describes the role of presidential executive orders, refers to recent and upcoming U.S. Supreme Court cases involving federal regulations, and describes current congressional legislation seeking to give Congress greater involvement in the federal regulatory process.
Mitigating Sex Trafficking: Preventative Methods For Reducing Sexual Exploitation, Autumn Rain Monroe
Mitigating Sex Trafficking: Preventative Methods For Reducing Sexual Exploitation, Autumn Rain Monroe
University Honors Theses
In recent years, sex trafficking has become more well-known in the public sphere, generating activism and legislation in an effort to combat this human rights issue. With this increased awareness comes challenges in appropriately understanding sex trafficking. The general public and even lawmakers often do not understand the complete dynamic or complexities of sex trafficking. Definitional inconsistencies make it difficult to provide a universal definition of sex trafficking, contributing to misconceptions involving the methods of entry and the barriers to exiting. Ultimately, this prevents proper identification of victims, hinders the protection of victims, and the implementation of survivor-oriented legislation, meaning …
A Seat At Whose Table? Analyzing Detroit’S Community Benefit Ordinance As A Tool For Environmental Justice, Sarah Draughn Gargaro
A Seat At Whose Table? Analyzing Detroit’S Community Benefit Ordinance As A Tool For Environmental Justice, Sarah Draughn Gargaro
Michigan Journal of Environmental & Administrative Law
The Environmental Protection Agency defines environmental justice as the “just treatment and meaningful involvement” of all people in the decisionmaking that affects the environment and human health. Since the origins of the modern American environmental justice movement in the 1980s, activists have emphasized the importance of self-determination. Environmental justice requires that decision making processes center the voices of the individuals impacted by decisions made about the distributions of environmental assets and harms. There is a significant challenge, however, in designing community engagement practices that meaningfully involve community members. Since the 1990s, community benefits agreements have been heralded as an effective …
An Introduction To Personal Growth Bets: Using Contract Law To Lose Weight And Quit Smoking, Max Raskin, Jack Millman
An Introduction To Personal Growth Bets: Using Contract Law To Lose Weight And Quit Smoking, Max Raskin, Jack Millman
Notre Dame Journal on Emerging Technologies
Self-improvement is hard. Whether losing weight or quitting smoking, individuals have a difficult time honoring their commitments, especially if the only person they are disappointing is themselves. In this Article, we introduce a new legal mechanism for incentivizing personal growth. We describe this mechanism as a personal growth contract, which allows an individual to make an enforceable agreement with either a counterparty or himself with the aim of self-improvement. We propose the use of smart contracts to help execute unilateral personal growth contracts. Our conclusion is that personal growth contracts should be presumptively legal, provided they do not violate some …
How To Understand China's Approach To Central Bank Digital Currency?, Heng Wang
How To Understand China's Approach To Central Bank Digital Currency?, Heng Wang
Research Collection Yong Pung How School Of Law
China's central bank digital currency (CBDC), digital yuan or e-CNY, is likely to profoundly affect the international financial system. China's CBDC is fast evolving. Understanding the influencing factors of China's CBDC will likely be crucial to explore its future direction. Major influencing factors include (i) China's perception and conception of regulation and technology, (ii) complementarity between China's preferences and CBDC development, (iii) domestic and international legitimacy, and (iv) institutional development. This paper argues that these influencing factors contribute to China's likely approach of selectively reshaping the international financial system. Given the potential wide-ranging implications of the introduction of CBDC globally, …
Valuing Social Data, Amanda Parsons, Salomé Viljoen
Valuing Social Data, Amanda Parsons, Salomé Viljoen
Law & Economics Working Papers
Social data production is a unique form of value creation that characterizes informational capitalism. Social data production also presents critical challenges for the various legal regimes that are encountering it. This Article provides legal scholars and policymakers with the tools to comprehend this new form of value creation through two descriptive contributions. First, it presents a theoretical account of social data, a mode of production which is cultivated and exploited for two distinct (albeit related) forms of value: prediction value and exchange value. Second, it creates and defends a taxonomy of three “scripts” that companies follow to build up and …
Greenwashing “Brown Gold”: A Critical Analysis Of Anaerobic Digesters And California’S Neoliberal Environmental Programs In Wisconsin’S Dairyland, Sarah Emily D'Onofrio
Greenwashing “Brown Gold”: A Critical Analysis Of Anaerobic Digesters And California’S Neoliberal Environmental Programs In Wisconsin’S Dairyland, Sarah Emily D'Onofrio
Doctoral Dissertations
Large dairy farms, also known as concentrated animal feeding operations (CAFOs), have turned to anaerobic digesters as the industry is increasingly pressured to find ways to lower their greenhouse gas emissions. Digesters are machines that turn animal waste from CAFOs into electricity and fuel which are then sold as “credits” in California’s market based climate change mitigation programs such as cap and trade and the low carbon fuel standard (LCFS) program. However, this dissertation not only challenges the assertion that digesters are “green,” but also that these programs are doing what they claim to do in a deregulated and re-regulated …
The Urgency And Strategic Role Of Maqasid Shari'ah And Maslahah In Responding To The Legal And Economic Challenges Of Muslim Business, Fadhli Suko Wiryanto
The Urgency And Strategic Role Of Maqasid Shari'ah And Maslahah In Responding To The Legal And Economic Challenges Of Muslim Business, Fadhli Suko Wiryanto
Journal Of Middle East and Islamic Studies
The study of maqashid shari'ah began to receive intensive attention after the Prophet's death, especially when the Companions were faced with new problems and social changes that had never occurred when the Prophet Muhammad was still alive. With the existence of social changes as a result of the demands of the times and the dynamics of society, thus demanding the creativity of the friends seriously to conduct a study of the maqashid shari'ah as an effort to make legal breakthroughs to anticipate social changes that occur. Maqashid shari'ah and maslahat have a very urgent and strategic role to be used …
Cuban Embargo: An Insufficient Measure To Encourage Us Foreign Policy Interests, Esme Jm Prowse
Cuban Embargo: An Insufficient Measure To Encourage Us Foreign Policy Interests, Esme Jm Prowse
Major Papers
This major paper examines the Cuban embargo as an ineffective hard power policy and explores the potential of soft, hard, and smart power as alternative approaches to resolve the failures of the 60-year-old blockade. The paper analyzes the historical context and rationale behind the embargo and assesses its impact on Cuban-American relations, regional stability, and U.S. national interests. The study argues that the embargo has failed to achieve its intended goals and has instead perpetuated a cycle of hostility, isolation, and human rights abuses. By drawing on the theoretical frameworks of soft, hard, and smart power, the paper presents policy …
Trade, Globalism, And The American System, Johnny B. Davis
Trade, Globalism, And The American System, Johnny B. Davis
Helm's School of Government Conference - American Revival: Citizenship & Virtue
No abstract provided.
Renovating America's Electrical Grid: Renewable Sources And Resilient Delivery, Justin O'Hare Giffee
Renovating America's Electrical Grid: Renewable Sources And Resilient Delivery, Justin O'Hare Giffee
Student Theses 2015-Present
Since the late 1800s, America’s electrical grid systems have relied primarily upon fossil fuels for sources of electricity. Due to the outdated structural foundations and glaring holes in distribution networks, the existing electrical grids struggle with electricity escaping, and modern issues such as cybersecurity, resilience, and weather-related events associated with climate change. This essay discusses ongoing problems with current electric grid systems and aims at explaining the importance of incorporating renewables as a solution for these problems into a new grid system. In the first chapter, a detailed explanation is provided regarding the current issues present in America's grid systems. …
A Path To Achieve European Energy Security, Nicholas Wolf
A Path To Achieve European Energy Security, Nicholas Wolf
Student Theses 2015-Present
The apparatus of Europe’s energy security has collapsed. The Russian Federation’s invasion of Ukraine, hydrocarbon market turmoil, and the ever-growing threat of climate change has thrust the continent into crisis. As the risks of severe recession, acute energy shortages, and climatic disasters have begun to materialize, the member states of the European Union (EU) have been left scrambling to secure novel energy supplies. In the short-term, these developments pose severe risks to the EU and its member states. Yet, opportunity often presents itself in the midst of hardship, and the European Energy Crisis of 2022 is no different. This essay …
Examining The Effects Of Student Loan Forgiveness And The Christian Perspective, Sarah Rogers
Examining The Effects Of Student Loan Forgiveness And The Christian Perspective, Sarah Rogers
Helm's School of Government Conference - American Revival: Citizenship & Virtue
On August 24, 2022, President Joe Biden announced his plan for federal student loan forgiveness. The program allows individuals who make less than $125,000 a year and families under $250,000 relieve up to $10,000 of their loan debt. Those who fall under the Pell Grant program are able to relieve up to $20,000 of their debt. The reactions to this “revolutionary” program were mixed. Typically, those who the program would directly affect were very enthusiastic about this idea while those, most notably Republicans, were less than thrilled. While the idea is good in theory, the execution of debt forgiveness will …
Rethinking Asia-Pacific Regionalism And New Economic Agreements, Julien Chaisse, Pasha L. Hsieh
Rethinking Asia-Pacific Regionalism And New Economic Agreements, Julien Chaisse, Pasha L. Hsieh
Research Collection Yong Pung How School Of Law
The neoliberal international order is facing a variety of pressing obstacles. One of the most contentious issues is the emergence of new Asian regionalism, which has been driven by the rising economic power of the region and integration based on the Association of Southeast Asian Nations (ASEAN) Plus Six framework. The legalization of the ASEAN way has propelled the New Regional Economic Order (NREO), which reinforces a trade-development nexus alternative to the Washington Consensus and will have far-reaching normative, economic, and geopolitical effects on the world. Given the proliferation of trade and investment initiatives including the ASEAN Economic Community and …
The Eagle’S Eye On The Rising Dragon: Why The United States Has Shifted Its View Of China, Jackson Craig Scott
The Eagle’S Eye On The Rising Dragon: Why The United States Has Shifted Its View Of China, Jackson Craig Scott
Baker Scholar Projects
Since 1978, the People’s Republic of China (PRC) has long been viewed as an economic trading partner of the United States of America (US). The PRC has grown to be an economic powerhouse, and the US directly helped with that process and still benefits from it. However, during the mid-2010’s, US rhetoric began to turn sour against the PRC. The American government rhetoric toward the PRC, beginning with the Obama administration, switched. As Trump’s administration came along, they bolstered this rhetoric from non-friendly to more or less hostile. Then, Biden’s administration strengthened Trump’s rhetoric. Over the past ten years or …
What Doesn’T Kill You Makes You Stronger: The Shifting Strategies Of Japan’S Yakuza In Response To Economic Globalization And Securitization, Benjamin P. Murkison
What Doesn’T Kill You Makes You Stronger: The Shifting Strategies Of Japan’S Yakuza In Response To Economic Globalization And Securitization, Benjamin P. Murkison
Honors College Theses
The Yakuza in Japan is a deeply traditional and infamous ethnic mafia, which has historically based their profits off of the protection of gambling rings and street vendors, but have developed into one of the most sophisticated and wealthy criminal institutions in the world. Reaching their peak in the 1960’s with around 200,000 members, the Yakuza has been in a slow decline ever since. However, the past decade has seen the most dramatic drop in Yakuza numbers in recorded history, as a result of increasing securitization by the Japanese state. As their power has declined within Japan, they have only …
Congressional Oversight Of U.S. Government Programs, Bert Chapman
Congressional Oversight Of U.S. Government Programs, Bert Chapman
Libraries Faculty and Staff Presentations
Provides detailed overview of how the U.S. Congress conducts oversight of federal agency programs. Contents include a letter from a member of Congress to an agency head concerning an environmental development in Indiana, information on the foundations of congressional oversight, details on how Congress may require agency reports on various subjects in public laws, an example of a congressionally mandated report by the Department of Defense, documentation of congressional funding of individual federal agencies, examples of congressional committee hearings, congressional committee issuance of oversight and investigative reports which may include dissenting opinions, Congressional Budget Office cost estimates on congressional committee …
The Future Of Roe And The Gender Pay Gap: An Empirical Assessment, Itay Ravid, Jonathan Zandberg
The Future Of Roe And The Gender Pay Gap: An Empirical Assessment, Itay Ravid, Jonathan Zandberg
Indiana Law Journal
In Dobbs v. Jackson Women’s Health Organization, the Supreme Court upheld a Mississippi law that prohibits nearly all abortions after the fifteenth week of pregnancy and overruled the holding in Roe v. Wade. Among the many arguments raised in Dobbs in an attempt to overturn Roe, the State of Mississippi argued that due to “the march of progress” in women’s role in society, abortion rights are no longer necessary for women to participate equally in economic life. It has also been argued that there is no empirical support to the relationship between abortion rights and women’s economic success in society. …
Recessionary Woes: Examining Economic Policies And Their Impact On Student Loan Debt And Housing Stability In The United States, Connor Recck
Senior Theses and Projects
Recessionary periods can seldom be avoided, but our modern public infrastructure has designed mechanisms to respond to these downturns. Economic policy has rapidly changed over the last 50 years, and the types of tools policymakers use have evolved with it. When looking at the Great Recession (2007-2009) and the COVID-19 recession (2020), a federal response structure was vital for the health of the macroeconomy. These recessionary periods serve as case studies for a review of economic policymaking activity in the United States since 2000. To examine the efficacy of the federal government’s fiscal and monetary infrastructure, policies focused on supporting …
Dual Taxation - Unbalanced And Arbitrary, Benjamin M. Simon
Dual Taxation - Unbalanced And Arbitrary, Benjamin M. Simon
American Indian Law Journal
"Dual Taxation" in Indian Country happens when a state assesses taxes on private, non-tribal activities or transactions on tribal land in addition to taxes assessed by a tribe. Some analysts suggest that dual (or double) taxation puts tribal governments and citizens at a disadvantage, but the situation may be more nuanced. While dual taxation has been analyzed in depth from a legal perspective, this paper analyzes its economic consequences. With taxation, the stakes can be high. State tax revenues generated on tribal lands are revenues that tribes forgo collecting, limiting the tribal resources available for economic development and social programs. …
Analysis Of Factors Affecting Child Poverty Rates In Prefectures, Takahiro Suzuki, Kazutoshi Tanabe
Analysis Of Factors Affecting Child Poverty Rates In Prefectures, Takahiro Suzuki, Kazutoshi Tanabe
Japanese Society and Culture
The Japanese government enacted the “[A1] "Act to Accelerate Policies for Disadvantaged Kids”" in 2013, in the face of a society where one in seven children are faced withare in financial difficulties. The enforcement of this law requiresd local governments to formulate and implement measures to address child poverty. However, it is evident that various factors have an impact on the child poverty rate, and the relative impact of these factors is not yet known yet. Consequently, local governments face[A2] there are many challenges in the implementing[A3] implementation of poverty-[A4] reduction measures by local governments. In …
Recent Trends In The Canadian Automobile Industry From 2007 To 2022: The Increasing Presence Of Japanese Automakers In Canada, Tamiko Kurihara
Recent Trends In The Canadian Automobile Industry From 2007 To 2022: The Increasing Presence Of Japanese Automakers In Canada, Tamiko Kurihara
Japanese Society and Culture
Abstract
This paper attempts to clarify characteristics of the Canadian automobile industry after the Lehman Shock of 2008. The examination, based on motor vehicle production units from 2007 to 2021, reveals the following three points. First, from the global perspective, the center of automobile production shifted from developed countries to emerging economies such as China. Second, within the United States-Mexico-Canada Agreement (USMCA), automobile production shifted toward Mexico. Finally, with the increase in automobile production by Toyota and Honda, their presence has grown in the Canadian automobile industry.
The United States government along with the Canadian federal and the Ontario provincial …