There are lot of papers offering information on products and services. Some of them are potentially useful to consumers, while others remain simple and incomplete pamphlets without insight or significant research information. In their majority, these papers only analyze the consumers (in)...

The academic organization is a living entity, created by the institution of the community in order to make people to self-govern in a very intelligent way. The academic environment has to embody healthy entities in healthy minds, to pattern values and knowledge of high responsibility for the...

We present data on debt accumulation in Australia and the United States, and tentative data on Romania, to pose the question of whether Romania might experience a credit crunch as a result of the US subprime financial crisis. We develop a model of a credit crunch in a pure credit economy with...