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Do you ever find, in your pursuit of a closer relationship with God, that there seem to be a lot of obstacles in your path? Things keep holding you back from finding your true purpose. You keep tripping over all the clutter you have accumulated. Manna, as used in this book refers to the things in your life that once were a blessing, but now seem to be weighing you down. Just like the manna God gave His children in the desert, to nourish them, God rains down many blessings on you. Like the manna of the bible, you are not meant to hold on to these things. You are to trust that God will provide for you. Let us take a walk through life's desert places and learn to let go of some of the things that are holding you down and holding you back from having a truly intimate relationship with God. Free yourself up to find God's path for your life and feast on the blessing that are waiting for you. Learn to trust and believe in God's word and start living the adventure God has in store for you, instead of wandering aimlessly through the waste land the enemy has led you to. Ultimately, my hope is to help you realize some of things weighing you down and help free up your life to do God's will and receive the great gifts He has in store for you. Come, let us walk through life's desert places together and see how God uses our circumstances to guide us to where we need to go. How He continues to show us His plans. See how letting go can free you up to receive new gifts God has waiting for you and how letting go doesn't always mean giving away or getting rid of everything. Sometimes you just need to set things aside. Empty your hands so that you can receive new gifts.
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The Savings and Loan Crisis: Lessons from a Regulatory Failure sets the record straight about what actually happened to our banking institutions in the 1980s. As is documented by the highly respected and diverse group of former regulators, scholars and practitioners contributing to this book, the collapse of this industry was caused by a confluence of adverse economic conditions and misguided regulatory decisions. Poorly designed deposit insurance, faulty supervision, and restrictions on investments prevented savings and loans from adapting to a changing financial marketplace. Unable to use financial innovations, savings and loans could not hedge interest rate and credit risks. These factors blocked portfolio diversification and lay at the root of the crisis. The savings and loan crisis was an accident, but it was an avoidable one. Most of the factors responsible for causing and exacerbating the industry's problems were preventable, as is made clear in this volume. This book also provides an insider's view of the transformation of the financial services industry in the United States since the 1980s: how the managers and owners make decisions about product offerings and investments; how the regulators monitor performance and enforce the rules; and how Congress and the Administration influence and are influenced by the financial services industry. Lastly, it focuses attention on the lessons that should have been learned from this difficult period in the history of U.S. banking, and that should help prevent future banking crises everywhere.
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