We study how households choose between three mortgage contracts with different payment structures: fixed-rate fixed-payment, variable-rate variable-payment, and a hybrid variable-rate fixed-payment mortgage where interest rate changes affect principal repayment rather than payment size. This...

Indonesia’s forest ecosystems are critical for sustaining economic growth, human well-being, and biodiversity conservation. Despite covering less than 1 percent of the Earth’s landmass, Indonesia contains 10 percent of the world’s tropical rainforests, making it the third largest such area...

The value of vision in leadership embraces a global, interdisciplinary framework connecting vision to innovation and passion. It addresses the ways to aspire to and achieve victory in the areas of education, the arts, ministry, business, entrepreneurship, and life. Covering topics such as...

The growth of residential renewable energy has created new opportunities for decentralized energy systems, including peer-to-peer energy trading (P2P-ET). While the technical potential of P2P-ET is increasingly recognized, its broader adoption remains contingent on a complex set of behavioral...

Cover -- Half Title -- Author's Note -- Endorsements -- Title Page -- Copyright Page -- Disclaimer -- Dedication -- Contents -- Preface: The Invisible Value of AI -- Acknowledgements -- About the Author -- Chapter 1. The Multidimensional Values of AI -- Chapter 2. The Data Foundation: Why Data...