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Answer the questions that arise when managers and workers need to adjust to unfamiliar leadership roles and rules in flattened organizational forms. Leading When You''re Not the Boss provides a conceptual framework that you can apply when assessing your own organizations and work. The book discusses the underlying ideas necessary for a shift from a culture of hierarchies to one of relationships and the establishment of intrapreneurial and holistic work environments. This book supports the trend in many corporations toward flattening parts of their traditional top-down hierarchical management systems into more egalitarian, democratized, and distributed organizational forms. It analyzes the weaknesses of "management" culture at a time of ever more rapid change and complexity in the business world and illustrates how flattened organizational units increase agility, innovation, and efficacy. Moreover, it discusses how individuals can exercise effective leadership despite lacking the command-and-control authority of conventional bosses and ways for organizations to cultivate effective "post-management" cultures. Especially in the technology sector, large projects have become too complex to be mastered by any single leader. Drawing on his experience as a senior manager and executive consultant for a number of Fortune Global 500 companies, Roger Strathausen analyzes the situations and benefits that motivate companies to adopt flattened organizational forms. He shows that empowering a multi-talented group to manage itself by horizontal cooperation can deliver products with more speed, efficiency, innovation, and nimbleness than a solo boss could, while yielding higher employee productivity and retention rates. With an entertaining mix of real-world examples and an episodic HBR-style fictitious case study, the author illustrates throughout the book how his leadership lessons can be serviceable only when intelligently tailored to the dynamic complexities of specific situations, including the personalities and competencies of the people involved. What you''ll learn How traditional hierarchical structures inhibit agile, creative responses to the complexities of today''s business world How to tailor the techniques of shared leadership to specific business situations rather than treating them as iron rules How to flourish in nonhierarchical and ambiguously-hierarchical organizational contexts that encourage individual initiative for the joint benefit of the enterprise and personal professional growth How success and fulfillment at work are enhanced by organizational forms in which participants assess the situational relevance of their respective talents and actively apply them to group objectives in lateral cooperation with peers, as opposed to passively receiving orders from appointed bosses Who this book is for The primary readerships for this book are business leaders and managers at all levels in corporations and non-managerial professionals who work in self-directed teams. The secondary readerships are practitioners, consultants, and academics interested in the topics of human resources, organizational design, and the future of work. Table of Contents Change, As Planned and As Happens: A Plea for Human Values Leader, Know Thyself Management Unplugged: Modulating to a Post-Management Key Alpha Dogs Let Talent Lead! Fostering Situational Leadership within Self-Organizing Teams Lateral Leadership Guiding Lost Giants: A Post-Management Strategy for Adapting Jobs to Talents Why Are We Here? Conclusion
In Valuing and Selling Your Business: A Quick Guide to Cashing In, author and valuation expert Tim McDaniel, a veteran of over 2,000 valuation engagements and dozens of M&A deals, covers the essentials in a short value-packed book of valuing and selling your business for an acceptable price. And if the valuation doesn't suggest the price you have in mind is possible, McDaniel shows you how to increase the value before putting your company on the market. It probably won't surprise you that 60-80% of a business owner's wealth is tied up in the value of the business. This is your most important asset, but you probably only guess at its value and you may have no concrete plan to increase that value. Even if you're not planning to sell in the near future, it's good to know what your business is worth so you can take the steps McDaniel outlines to make it more attractive to prospective buyers. This book covers: How valuations are done Whom to engage as a valuator How to increase the value of your business Insider tips on the sales process Best sales practices Valuing and Selling Your Business: A Quick Guide to Cashing In--an abridgement of McDaniel's Know and Grow the Value of Your Business--helps you get the most for your business when you decide it's time to move on. What you'll learn How a company is valued, using terms that business owners can understand. The ways you can increase the value of your business and how an outside buyer will view your company. Why timing might be the most critical component of your exit strategy. Selling methods that work. Who this book is for Those with businesses with revenues up to about $30 million--90 percent of all business owners in the U. S. , according to the United States Census Bureau. This amounts to over 12 million businesses in the United States alone. The principles the book espouses will be just as valid in countries besides the U. S. except for the tax advice author Tim McDaniel offers. Table of Contents Chapter 1. Country Club Lifestyle Chapter 2. Valuation Fundamentals Chapter 3. Valuation Approaches Chapter 4. Growing Your Value Chapter 5. Selling Your Business Appendix A. Sample Engagement Letter Appendix B. Sample Due Diligence Request Appendix C. AICPA Statement on Standards for Valuation Services No. 1
Asset Price Response to New Information examines the effect of two types of psychological biases (namely, conservatism bias and representativeness heuristic) on the asset price reaction to new information. The author constructs various models of a competitive securities market or a security market allowing for strategic interaction among traders to prove rigorously that either conservatism or representativeness is capable of generating both asset price overreaction and underreaction to new information. The results shed some new insights on the phenomena of the asset price overreaction and underreaction to new information. In the literature, very little has been published in this area of behavioral finance. This volume will appeal to graduate-level students and researchers in finance, behavioral finance, and financial engineering.
Over the past 15 years, evidence-based practice in juvenile justice has moved from a concept to a full blown practice in a number of states. They have used research based principles and programs to: - completely reorganize their system for treating juveniles -reduce crime and recidivism -and saved money in the process. Evidence-Based Practice in Juvenile Justice describes the major players in this transformative process, the particular role they play in moving research to practice, and provides recommendations for applying this research in other locations. It will be of key interest to researchers in Criminology and Criminal Justice with a focus on Juvenile Justice or Juvenile Delinquency, or related fields such as Public Policy and Social Work, as well as policy-makers, and practitioners working in the juvenile justice system.
Leishmania-related illnesses remain among the world's deadliest neglected tropical diseases, affecting approximately 12 million people in 88 countries The mortality rate is substantial, contributing to nearly two million disability-adjusted life years. As more is understood about this parasite and its effects, work toward prevention, control, and treatment continues apace Leishmania and Leishmaniasis will address the parasite and its attendant disease, which manifests in three syndromes: Visceral (VL), Cutaneous (CL) and Mucocutaneous Leishmaniasis (ML). The morphology and life cycles of the various species will be among the topics addressed in Part One. Part Two will focus on immunology, including host-immune response to Leishmania infection, cross-immunity between the different species and adoptive transfer of immunity. Parts Three and Four will address how Leishmania invade and survive, the clinical features of the disease, and its diagnosis Drugs, vaccines and treatment will be thoroughly explored, including experimental models of therapeutics. Leishmania and Leishmaniasis will provide a thorough examination of a parasite, the illnesses it causes and the misery it continues to visit upon large segments of the population.
Child welfare is the oldest specialization within social work practice and the only specialty area in which social work is the host profession. This edited volume provides a unique and comprehensive overview of practice issues relevant to contemporary child welfare professionals entering the field as well as those already working in direct service and management positions. This book's emphasis on systemic, integrated, and evidence-informed practices at the individual, family, and organizational level is in keeping with child welfare's core mission of child protection, family support, and permanency for youth. This volume also explores the challenges and opportunities present in a contemporary practice environment, which are driven by the attainment of defined outcomes, fiscal limitations, and the need for an informed professionalized child welfare workforce.
Methadone and buprenorphine are the only two opioids that are indicated for the management of both pain and opioid-related drug addiction. Both present unique challenges to the general practitioner and pain specialist, requiring a separate analysis from the rest of the drugs in the same family. Handbook of Methadone Prescribing and Buprenorphine Therapy is an invaluable guide to the safe use of these opioids. Authored by clinical and academic leaders from a variety of settings and backgrounds, this book includes chapters on pharmacology, adverse effects, safe rotation from other opioids, cardiac toxicity, prescribing, pharmacokinetics, equianalgesic dose, and replacement therapy. This comprehensive text provides clinicians, researchers, policy-makers and academicians a resource for all the relevant points in methadone prescribing and buprenorphine therapy.
This book will be a comprehensive study of the lymphatic system and its immunological role. It will begin with lymphatic capillaries, their origin and development. It will treat lymph circulation, in general, with a special emphasis on lymph circulation in parenchymal organs. The next section will address lymph nodes, subcortical circulation and the conduit system. It will discuss organs with no lymphatic system, such as the brain. Finally, it will cover lymph composition and cells in the lymph. While primarily basic research, the volume will touch upon elements of the clinical, as well, broadening its scope and appeal.
Despite advances in detection and treatment, cancer remains a source of pain and distress to patients and of complex challenges to the loved ones caring for them. The trend toward shorter hospital stays in particular has increased the physical, psychological, and financial burden on caregivers, often leading to adverse effects on patients. Cancer Caregiving in the United States illuminates these complex concerns with authoritative detail. This wide-ranging volume provides a comprehensive survey of cancer-related issues, including those affecting the care triad (patients-family members- professionals) and quality of care as well as the numerous physical, emotional, and financial challenges that caregivers may need to confront. Sources of caregiver difficulty at each stage of the disease, from diagnosis to end of life, are explored. Each chapter analyzes its topic in terms of practice, research, education, and policy, providing a wealth of literature reviews, assessment and care models, interventions, and recommendations for future study and practice. Coverage includes: Caregiving issues for cancer patients with long-term, short-term, and intermittent needs.Family caregivers as members of the treatment team.The impact of health disparities on caregivers.Cancer care policy and advocacy.End-of-life issues for cancer caregivers.Legal, financial, and ethical issues. Cancer Caregiving in the United States is a core reference for researchers, professionals/scientist-practitioners, and graduate students in such caregiving fields as clinical psychology, social work, nursing, public health and medicine, social policy, and educational policy.
This is a meticulously detailed chronological record of significant events in the history of medical informatics and their impact on direct patient care and clinical research, offering a representative sampling of published contributions to the field. The History of Medical Informatics in the United States has been restructured within this new edition, reflecting the transformation medical informatics has undergone in the years since 1990. The systems that were once exclusively institutionally driven - hospital, multihospital, and outpatient information systems - are today joined by systems that are driven by clinical subspecialties, nursing, pathology, clinical laboratory, pharmacy, imaging, and more. At the core is the person - not the clinician, not the institution - whose health all these systems are designed to serve. A group of world-renowned authors have joined forces with Dr Marion Ball to bring Dr Collen's incredible work to press. These recognized leaders in medical informatics, many of whom are recipients of the Morris F. Collen Award in Medical Informatics and were friends of or mentored by Dr Collen, carefully reviewed, editing and updating his draft chapters. This has resulted in the most thorough history of the subject imaginable, and also provides readers with a roadmap for the subject well into later in the century.
Why do some people start business and others do not? Is entrepreneurship a natural quality or can it be taught? Do entrepreneurs think differently from others? While there is a great deal of literature exploring the dynamics of new firm creation, policies to promote innovation and technology transfer, and the psychology of creativity, research on entrepreneurial mindset or cognition is relatively new, and draws largely from such related fields as organizational behavior, cognitive and social psychology, career development, and consumer research. Over the past fifteen years, the initial model, the theory of reasoned action (TRA), and its successor, known as the theory of planned behavior (TPB), have successfully been applied to entrepreneurship. However, recent findings suggest that considerably more research is required to understand the role of intentions in the entrepreneurial decision process. In this volume, editors Carsrud and Brännback have assembled the most prominent researchers in entrepreneurial psychology to showcase state-of-the-art insights on its many dimensions. Covering such topics as perceptions, motivations, risk, passion, and opportunity recognition, and featuring both quantitative empirical studies and qualitative case examples, Understanding the Entrepreneurial Mind challenges conventional approaches to entrepreneurial behavior and establishes a research agenda for the future.
"This book is a must-read for all entrepreneurs who need to raise capital to grow their businesses. " --from the Foreword by Bill Hambrecht, Founder and Chairman, WR Hambrecht + Co "We congratulate the authors for bringing together many of the elements needed to help corporations and their investors take advantage of Reg A+ in a simple and easy-to-understand guide. " --from the Afterword by David Weild IV, Founder and CEO, Weild & Co. ; Former Vice Chairman of NASDAQ; "Father" of the JOBS Act Discover how to raise money under the SEC''s long-awaited Regulation A+ implementing Title IV of the JOBS Act. This ground-breaking book is the authoritative guide to Reg A+ for executives of emerging growth companies, entrepreneurs, financial advisers, venture capitalists, investment bankers, securities lawyers, and finance and MBA students on how to raise up to $50 million a year through what is in effect a new type of IPO unencumbered by the heavy regulation and cost of a traditional IPO. Reg A+ lifts many of the constraints on soliciting funds, raising growth capital through public offerings, and trading new stock issues that till now inhibited the growth of small companies. The SEC rules implementing Title III of the JOBS Act by expanding equity crowdfunding to non-accredited investors and allowing small businesses to raise up to $1 million per year have been greeted with speculative excitement in the startup space. But investment banking and stock market heavy hitters such as Bill Hambrecht and David Weild believe that Reg A+ will have a much greater economic impact than the crowdfunding rules and will launch a revolutionary period of growth, innovation, investment returns, and job creation. Paul Getty, Dinesh Gupta, and Robert Kaplan pool their experience as serial entrepreneurs, investors, and lawyers to show readers in very practical terms how to take maximum advantage of the powerful provisions of the Reg A+ that permit companies to raise up to $50 million--a tenfold increase over the old Reg A limit of $5 million and fifty times the crowdfunding limit allow companies to market IPOs to more people than just accredited investors make it easier to get the word out on offerings exempt companies under certain conditions from onerous and costly reporting and compliance requirements, such as Sarbanes-Oxley What you''ll learn How Title IV of the JOBS Act amends Regulation A, making it easier for you to raise up to $50 million in expansion capital while avoiding burdensome regulations. How raising funds through Regulation A might now be a better and less costly choice for raising capital than current options (like loans or venture capital). How to use Regulation A to gain liquidity for your business, your employees, and your investors--while maintaining control. How to abide by Regulation A rules before, during, and after an IPO. What kinds of businesses can take part in Regulation A offerings. How and where to trade shares after the IPO. Who this book is for Executives of emerging growth companies, entrepreneurs, financial advisers, venture capitalists, investment bankers, securities lawyers, finance and MBA students, and others. Table of Contents Chapter 1 Introduction Chapter 2 Overcoming Challenges to Going Public Chapter 3 Benefits of Regulation A+ Chapter 4 Limitations and Business Line Considerations Chapter 5 The Key Elements of a Reg A+ Offering Chapter 6 Raising the Capital through an Underwriter Chapter 7 Post-IPO Activities Chapter 8 Secondary Markets and Regulation A+ Securities Chapter 9 Final Thoughts Appendix A Current Legal Authority Appendix B Current Guidance from SEC Appendix C Public Statements of Commissioners at Open Meeting to Adopt Regulation A+ Appendix D OTC QX/OTC QB Listing Requirements and On-Ramp Guides Appendix E Offering Statement Exemplars Appendix F: Blue Sky Glossary
This book aims to overcome the limitations the variations in bank-specifics impose by providing a bank-specific valuation theoretical framework and a new asset-side model. The book includes also a constructive comparison of equity and asset side methods. The authors present a novel framework entitled, the "Asset Mark-down Model". This method incorporates an Adjusted Present Value model, which allows practitioners to identify the main value creation sources of a particular bank: from asset-based cash flow and the mark-down on deposits, to tax benefits on bearing liabilities. Through the implementation of this framework, the authors offer a more accurate and more specific approach to valuing banks.
While urban films often reinforce spatial stereotypes, they can also produce a resistant reading that helps transgress spatial boundaries, especially in in urban contexts where spatial inequalities and urban divisions are stark. This book reveals the nature of urban film's influence through the lens and space of Johannesburg.
In this book, Ferdi De Ville and Mattias Vermeiren examine the linkages between the economic crisis in the euro area and the rise of Brazil, India and China (BICs) in the global monetary and trading system. Drawing on the insights of the comparative capitalism literature, the authors show that the latter development has been a key source of the escalation of trade imbalances in the euro area, which are widely seen as an important cause of the financial and economic crisis in the region. By pointing to the external source of these imbalances and the divergent institutional capacity of the euro area countries to deal with the intensified competition associated with the rise of the BICs, De Ville and Vermeiren go beyond the focus on the divergence in unit labor costs as the driving force of these imbalances. As such, this book provides a comprehensive policy critique of the EU's export-led growth strategy based on declining unit labor costs.
This book examines the role playedby one important external stakeholder, Atlantic Philanthropies, a limited-lifefoundation, in helping to build peace and promote reconciliation in NorthernIreland. Northern Ireland is now referred to as a post-conflict society largelydue to the absence of political violence and relatively stable politicalinstitutions. These are necessary but insufficient conditions for what Galtunghas described as 'positive peace', which requires a more fundamental review ofthe structural inequalities that contributed to the conflict in the first place. Using detailed case studies the authors illustrate the role played by voluntaryand community sector groups, funded by Atlantic Philanthropies, in influencingthe public policy agenda and securing long term systemic changes. They alsocritique the work of Atlantic as a 'pay to play' organization whose originalmission moved from funding the higher education sector on the island of Irelandto become a key foundation with a significant role in the peace process.
This collection contains the complete text of the three bestselling Delirium novels plus three short novellas about characters in the Delirium world. Lauren Oliver's powerful New York Times bestselling dystopian trilogy presents a world as terrifying as George Orwell's 1984 and a romance as true as Romeo & Juliet.Delirium: In a dystopian world where love is declared the deadliest of all diseases, one's only hope is to be cured. Lena is 95 days away from getting her cure when she does the unthinkable. She falls in love.Pandemonium: The explosive second book of the Delirium trilogy brings us a new Lena: strong, fierce, and defiant. But the chaos of a loveless world will lead her into the fight of her life.Requiem: This exciting finale to Lauren Oliver's New York Times bestselling Delirium trilogy is a riveting blend of nonstop action and forbidden romance in a dystopian United States.The Hana, Annabel, and Raven novellas each center around a fascinating and complex character who adds important information to the series and gives it greater depth.
At a time when scientific and technical innovation now requires a multitude of heterogeneous inputs and expertise from the public and private sectors alike, cooperative research centers (CRCs) have emerged as the predominant vehicle for cross-sector collaboration. In the U.S. alone, there are thousands of CRCs on university campuses, and agencies like the National Science Foundation, National Institutes of Health, Department of Defense, and more recently the Department of Energy fund CRCs to address some of the nation's most formidable challenges with science and technology, including cancer and other diseases, terrorism surveillance and the detection of weapons of mass destruction, and new energy technologies and smart energy grid development. Industry oftentimes participates in CRCs for access to knowledge, capacity development, and to mitigate risk. This volume includes research investigating CRCs from North America, Europe, Australia, and Asia to explore the dynamics of CRCs, including but not limited to resource allocation, structure, level of sponsorship, organization and membership, management and operations, objectives and goals, and in doing so identifies both differences and similarities across institutional and national contexts. The volume sheds light on the role of CRCs in promoting innovation, S&T policy, and economic development, and on the practical aspects of successful CRC management. Moreover, the works included in the volume consider the implications for the various stakeholder groups (firms, universities, researchers, students, policymakers) invested in CRCs.
Stochastic Optimal Control (SOC)--a mathematical theory concerned with minimizing a cost (or maximizing a payout) pertaining to a controlled dynamic process under uncertainty--has proven incredibly helpful to understanding and predicting debt crises and evaluating proposed financial regulation and risk management. Stochastic Optimal Control and the U.S. Financial Debt Crisis analyzes SOC in relation to the 2008 U.S. financial crisis, and offers a detailed framework depicting why such a methodology is best suited for reducing financial risk and addressing key regulatory issues. Topics discussed include the inadequacies of the current approaches underlying financial regulations, the use of SOC to explain debt crises and superiority over existing approaches to regulation, and the domestic and international applications of SOC to financial crises. Principles in this book will appeal to economists, mathematicians, and researchers interested in the U.S. financial debt crisis and optimal risk management.
The fascinating correspondence between Paul Lévy and Maurice Fréchet spans an extremely active period in French mathematics during the twentieth century. The letters of these two Frenchmen show their vicissitudes of research and passionate enthusiasm for the emerging field of modern probability theory. The letters cover various topics of mathematical importance including academic careers and professional travels, issues concerning students and committees, and the difficulties both mathematicians met to be elected to the Paris Academy of Sciences. The technical questions that occupied Lévy and Fréchet on almost a daily basis are the primary focus of these letters, which are charged with elation, frustration and humour. Their mathematical victories and setbacks unfolded against the dramatic backdrop of the two World Wars and the occupation of France, during which Lévy was obliged to go into hiding. The clear and persistent desire of these mathematicians to continue their work whatever the circumstance testifies to the enlightened spirit of their discipline which was persistent against all odds. The book contains a detailed and comprehensive introduction to the central topics of the correspondence. The original text of the letters is also annotated by numerous footnotes for helpful guidance. Paul Lévy and Maurice Fréchet will be useful to anybody interested in the history of mathematics in the twentieth century and, in particular, the birth of modern probab ility theory.
The causative organisms of Urinary Tract Infection are dynamic in terms of their virulence and resistance patterns, leading to challenges in the prevention and treatment of urinary infection. This is of relevance in both primary and secondary care, and many of the challenges are similar in both developed and developing countries alike. UTI is also associated with considerable cost in terms of morbidity, economic and research expenditure. Written by an exceptional and well-known team of clinical experts, the purpose of Urinary Tract Infections addresses key questions facing physicians about this condition. This book is written primarily for general physicians who wish to have a broad understanding of a number of important issues concerning infection in parts of the urinary tract. Specialists may also find the book useful as a quick reference guide.
The Chinese Oil Industry: History and Future presents a wealth of tables and figures with new data on Chinese fossil fuel production and consumption, together with a peak oil model to forecast future trends in energy supply and demand. Energy experts in China and the United States provide you with a unique overview of the entire Chinese oil industry. The authors discuss trends in production and consumption of global significance through to the middle of the 21st century, including the energy returned on energy invested (EROI) for China's oil and gas. The role of oil in the industrialization of China is described as are four phases in the history of the Chinese oil industry. Detailed coverage of resources and exploration, pipeline development, refining and marketing, petroleum and natural gas pricing policies, and international cooperation is followed by consideration of conservation, renewable energy, and environmental impact. The authors also address the importance of coal and the probable future of coal production. - Offers a comprehensive view of the Chinese oil industry - Presents new and previously unpublished data - Covers history and future trends in production and consumption - Introduces a new peak oil model for China - Discusses EROI trend of oil and natural gas and its consequences for the Chinese economy - Written from an objective viewpoint by leading energy experts
This book sheds new light on the advancement of various industries in developing Asian countries through an application and re-examination of catch-up industrialization theory. With contributors presenting their own perspectives on the progression of a range of different industries in Asia, this volume provokes readers to reconsider their current understanding of industrialization in latecomer countries. More specifically, the chapters discuss Taiwan's semiconductor industry, Korea's steel industry, and Malaysia's palm oil industry, amongst others. The authors also explore the 'catch-down' innovation strategy in China and India. Varieties and Alternatives of Catching-up provides a thorough analysis of the strategies employed by numerous Asian countries to radically transform their low-income agricultural economies to middle-income industrialized ones. This book is essential reading for researchers and scholars interested in Asian economic development.
Audio description is one of the many services available to guarantee accessibility to audiovisual media. It describes and narrates images and sounds and resulting audio is then mixed with the original soundtrack. Audio description is a complex process that touches production, distribution and reception. Researching Audio Description: New Approachesgathers academic information and data from the many existing research projects, practices, and training across the world. The book has a telescopic approach, from two introductory chapters where accessibility in general is contextualised as a human right, and the basic concepts of disability and impairment are explored. Research on specific features for audio description script drafting are focused in the second part of the book, with a view to revising existing funded projects and their outcomes. The book offers a wealth of information on both the practical and philosophical, from different approaches in perception and cognition, and different research methodologies. Project information contained in the contributions identifies trends in current research-funded studies which will be valuable as a pointer towards future proposals. The book shows the dynamic state of audio description practice, training and research, while contributing towards the growing critical mass needed in building the field of accessibility studies.
This survey of portfolio theory, from its modern origins through more sophisticated, "postmodern" incarnations, evaluates portfolio risk according to the first four moments of any statistical distribution: mean, variance, skewness, and excess kurtosis. In pursuit of financial models that more accurately describe abnormal markets and investor psychology, this book bifurcates beta on either side of mean returns. It then evaluates this traditional risk measure according to its relative volatility and correlation components. After specifying a four-moment capital asset pricing model, this book devotes special attention to measures of market risk in global banking regulation. Despite the deficiencies of modern portfolio theory, contemporary finance continues to rest on mean-variance optimization and the two-moment capital asset pricing model. The term postmodern portfolio theory captures many of the advances in financial learning since the original articulation of modern portfolio theory. A comprehensive approach to financial risk management must address all aspects of portfolio theory, from the beautiful symmetries of modern portfolio theory to the disturbing behavioral insights and the vastly expanded mathematical arsenal of the postmodern critique. Mastery of postmodern portfolio theory's quantitative tools and behavioral insights holds the key to the efficient frontier of risk management.