This book offers a sustained examination of the core Stoic ethical claims and their significance for modern moral theory. The first part considers the Stoic ideas of happiness as the life according to nature and virtue as expertise in leading a happy life and explores the senses of ‘nature’ (both human and universal) relevant for ethics. It also explains the distinction in value between virtue and ‘indifferents’ and analyses virtuous practical deliberation as selection between ‘indifferents’ directed at leading a happy (...) human life. The second part studies Stoic thinking on ethical development (in their terms, learning to live naturally). It brings out the close interconnections between making progress in ethical understanding, in forming and deepening social relationships, and in emotional responses. The third part discusses how Stoic ethics, as interpreted here, can contribute to contemporary moral theory, especially virtue ethics. It suggests that Stoic thinking on the virtue-happiness relationship offers a cogent alternative to Aristotle, currently the main ancient prototype for virtue ethical theory. It explores ways in which Stoic ideas on human and universal nature can contribute to modern ethical debates, notably on how to respond effectively to the pressing challenge of climate breakdown. It also highlights the potential value of Stoic thinking on development and guidance for modern virtue ethics as well as discussing the powerful impact Stoicism has already had in contemporary ‘life-guidance’. (shrink)

The notion that management knowledge is universal, culture-neutral, readily transferable to any country or situation, has come under mounting challenge. The Politics of Management Knowledge goes beyond such `broad-brush' assertions to explore in detail the relations between management knowledge, power and practice in a world where globalization highlights, rather than obscures, the locally specific character of many management recipes. The book recognizes the political nature of management knowledge as a discourse produced from, and reproducing, power processes within and between organizations. (...) This theme underpins discussion of the ways in which management ideas and practices `produce' managers of a particular kind. (shrink)

This study explores girls? aspirations for their future. The context was an ex-coalmining area where concerns had been raised by the local authority about the levels of girls? achievement. The focus of the research was the views of Year 6 girls as they prepared for their transition to secondary school and Year 11 girls as they prepared for their transition to post-compulsory school life. Perspectives of their staff were also sought, focusing on the impact of school and its community on (...) girls? aspirations. Findings indicated that while the aspirations of the primary school girls were similar, those of the secondary girls differed significantly. Staff viewed this as reflective of the local context and school ethos. These responses offer a basis on which schools could build strategies to increase aspirations and provide support towards their achievement. (shrink)

Discover the truth about sex in the city (and the country). Mapping Desire explores the places and spaces of sexuality from body to community, from the "cottage" to the Barrio, from Boston to Jakarta, from home to cyberspace. Mapping Desire is the first book to explore sexualities from a geographical perspective. The nature of place and notions of space are of increasing centrality to cultural and social theory. Mapping Desires presents the rich and diverse world of contemporary sexuality, exploring how (...) the heterosexed body has been appropriated and resisted on the individual, community and city scales. Editors David Bell and Gill Valentine have brought together contributors with a wealth of approaches to ways in which the spaces of sex and the sexes of space are being mapped out across contemporary culture. Among the many sexual geographies covered are: Lesbians at home and on the streets; gay men on fantasy islands; bisexual identities; The heterosexualization of the workplace; bachelor farmers and spinsters; surveillance and sexuality; prostitution; queer politics; sexual citizenship, and the transformation of intimacy. The book is divided into four sections: cartographies/identities; sexualized spaces: global/local; sexualized spaces: local/global; sites of resistance. Each section is separately introduced. Beyond the bibliography, an annotated guide to further reading is also provided to help the reader map their own way through the literature. Mapping Desire will be a valuable and accessible travelogue of information for anyone interested in social, cultural and political geography, lesbian and gay studies, cultural studies, or simply those who want to find out more about the sexual landscape of contemporary society. Contents: Part I: Cartographies/Identities; Resolving Riddles: The Sexed Body, Julia Cream ; Locating Bisexual Identities: Discourses of Bisexuality and Contemporary Feminist Theory, Clare Hemmings; Of Moffies, Kaffiers and Perverts: Male Homosexuality and the Discourse of Moral Order in the Apartheid State, Glen Elder; Femme on the Streets, Butch in the Sheets (a Play on Whores), Alison Murray; Body Work: The Performance of Gendered and (Hetero)Sexualized Identities in City Workplaces, Linda McDowell; Part II: Sexualized Spaces: Global/Local; Whenever I Lay My Girlfriend That's My Home: The Performance and Surveillance of Lesbian Identities in Domestic Environments, Lynda Johnston and Gill Valentine; The Lesbian Flaneur, Sally Munt; Fantasy Islands: Popular Topographies of Marooned Masculinities, Gregory Woods; Sexuality and Urban Space: A Framework for Analysis, Lawrence Knopp; Part III: Sexualized Spaces: Local/Global; "And She Told Two Friends...": Lesbians Creating Urban Social Space, Tamar Rothenberg; Trading Places: Consumption, Sexuality and the Production of Queer Space, Jon Binnie; Bachelor Farmers and Spinsters: Gay and Lesbian Identities and Communities in Rural North Dakota, Jerry Lee Kramer; (Re)Constructing a Spanish Redlight District: Prostitution, Space and Power, Angie Hart; Part IV: Sites of Resistance; "Surveilliant Gays": HIV, Space and the Construction of Identities, David Woodhead; Sex, Scale and the "New Urban Politics": HIV-Prevention Strategies from Yaletown, Vancouver, Michael Brown; "Boom, Bye, Bye": Jamaican Ragga and Gay Resistance, Tracey Skelton; The Diversity of Queer Politics and the Redefinition of Sexual Identity and Community in Urban Space, Tim Davis; Perverse Dynamics, Sexual Citizenship and the Transformation of Intimacy, David Bell; Guide to Further Reading; Bibliography. (shrink)

This article explores gender inequities and sexual double standards in teens’ digital image exchange, drawing on a UK qualitative research project on youth ‘sexting’. We develop a critique of ‘postfeminist’ media cultures, suggesting teen ‘sexting’ presents specific age and gender related contradictions: teen girls are called upon to produce particular forms of ‘sexy’ self display, yet face legal repercussions, moral condemnation and ‘slut shaming’ when they do so. We examine the production/circulation of gendered value and sexual morality via teens’ discussions (...) of activities on Facebook and Blackberry. For instance, some boys accumulated ‘ratings’ by possessing and exchanging images of girls’ breasts, which operated as a form of currency and value. Girls, in contrast, largely discussed the taking, sharing or posting of such images as risky, potentially inciting blame and shame around sexual reputation (e.g. being called ‘slut’, ‘slag’ or ‘sket’). The daily negotiations of these new digitally mediated, heterosexualised, classed and raced norms of performing teen feminine and masculine desirability are considered. (shrink)

"Throughout history, some books have changed the world. They have transformed the way we see ourselves - and each other. They have inspired debate, dissent, war and revolution. They have enlightened, outraged, provoked and comforted. They have enriched lives - and destroyed them. Now Penguin brings you the works of the great thinkers, pioneers, radicals and visionaries whose ideas shook civilization and helped make us who we are. Plato's retelling of the discourses between Socrates and his friends on such subjects (...) as love and desire, truth and illusion, spiritual transcendence and the qualities of a good ruler, profoundly affected the ways in which we view human relationships, society and leadership - and shaped the whole tradition of Western philosophy."--Publisher's website. (shrink)

The concept of self-motion is not only fundamental in Aristotle's argument for the Prime Mover and in ancient and medieval theories of nature, but it is also central to many theories of human agency and moral responsibility. In this collection of mostly new essays, scholars of classical, Hellenistic, medieval, and early modern philosophy and science explore the question of whether or not there are such things as self-movers, and if so, what their self-motion consists in. They trace the development of (...) the concept of self-motion from its formulation in Aristotle's metaphysics, cosmology, and philosophy of nature through two millennia of philosophical, religious, and scientific thought. This volume contains "Self-Movers" (David Furley), "Aristotle on Self-Motion" (Mary Louise Gill), "Aristotle on Perception, Appetition, and Self-Motion" (Cynthia Freeland), "Self-Movement and External Causation" (Susan Sauvé Meyer), "Aristotle on the Mind's Self-Motion" (Michael Wedin), "Mind and Motion in Aristotle" (Christopher Shields), "Aristotle's Prime Mover" (Aryeh Kosman), "The Transcendence of the Prime Mover" (Lindsay Judson), "Self-Motion in Stoic Philosophy" (David Hahm), "Duns Scotus on the Reality of Self-Change" (Peter King), "Ockham, Self-Motion, and the Will" (Calvin Normore), and "Natural Motion and Its Causes: Newton on the 'Vis Insita' of Bodies" (J. E. McGuire). Originally published in 1994. The Princeton Legacy Library uses the latest print-on-demand technology to again make available previously out-of-print books from the distinguished backlist of Princeton University Press. These editions preserve the original texts of these important books while presenting them in durable paperback and hardcover editions. The goal of the Princeton Legacy Library is to vastly increase access to the rich scholarly heritage found in the thousands of books published by Princeton University Press since its founding in 1905. (shrink)

In our everyday moral deliberations, we attend to two central types of considerations – outcomes and moral rules. How these considerations interrelate is central to the long-standing debate between deontologists and utilitarians. Is the weight we attach to moral rules reducible to their conduciveness to good outcomes (as many utilitarians claim)? Or do we take moral rules to be absolute constraints on action that normatively trump outcomes (as many deontologists claim)? Arguments over these issues characteristically appeal to commonsense intuitions about (...) various cases. As a result, an important portion of the debate involves empirically tractable questions — questions that can be investigated by probing for people’s judgments in cases in which the two types of considerations come into conflict with one another. (shrink)

An examination of case law on forced marriage reveals that in addition to physical force, the role of emotional pressure is now taken into consideration. However, in both legal and policy discourse, the difference between arranged and forced marriage continues to be framed in binary terms and hinges on the concept of consent: the context in which consent is constructed largely remains unexplored. By examining the socio-cultural construction of personhood, especially womanhood, and the intersecting structural inequalities that constrain particular groups (...) of South Asian women in the UK, we argue that consent and coercion in relation to marriage can be better understood as two ends of a continuum, between which lie degrees of socio-cultural expectation, control, persuasion, pressure, threat and force. Women who face these constraints exercise their agency in complex and contradictory ways that are not always recognised by the existing exit-centred state initiatives designed to tackle this problem. (shrink)

Subcreative sets, introduced by Blum, are known to coincide with the effectively speedable sets. Subcreative sets are shown to be the complete sets with respect to S-reducibility, a special case of Turing reducibility. Thus a set is effectively speedable exactly when it contains the solution to the halting problem in an easily decodable form. Several characterizations of subcreative sets are given, including the solution of an open problem of Blum, and are used to locate the subcreative sets with respect to (...) the complete sets of other reducibilities. It is shown that q-cylindrification is an order-preserving map from the r.e. T-degrees to the r.e. S-degrees. Consequently, T-complete sets are precisely the r.e. sets whose q-cylindrifications are S-complete. (shrink)

The extensive community use of complementary medicine can no longer be overlooked in the practice of hospital medicine. Protocols need to be developed and implemented so that health professionals can deal with the issues surrounding the use of CM. Policy development has generally focussed on the supply of CM in hospital but another approach, which is based on consideration of the ethical and legal context, is presented here. Such an approach demands clarification of institutional policy for individuals who are competent (...) and those who are incapable of self-administration or non-competent. (shrink)

This book explores a fundamental tension in Aristotle's metaphysics: how can an entity such as a living organisma composite generated through the imposition of form on preexisting matterhave the conceptual unity that Aristotle demands of ...

This book is a penetrating analysis of the forensic mental health system - how it operates, the people involved, the problems inherent in the system, and the huge ethical dilemmas. It brings together a range of specialists, who describe the processes involved in dealing with a mentally disordered offender - from their own unique perspective.

Michael B. Gill offers a new account of Humean moral pluralism: the view that there are different moral reasons for action, which are based on human sentiments. He explores its historical origins, and argues that it offers the most compelling view of our moral experience. Together, pluralism and Humeanism make a philosophically powerful couple.

An engaging account of how Shaftesbury revolutionized Western philosophy At the turn of the eighteenth century, Anthony Ashley Cooper, the third Earl of Shaftesbury, developed the first comprehensive philosophy of beauty to be written in English. It revolutionized Western philosophy. In A Philosophy of Beauty, Michael Gill presents an engaging account of how Shaftesbury’s thought profoundly shaped modern ideas of nature, religion, morality, and art—and why, despite its long neglect, it remains compelling today. Before Shaftesbury’s magnum opus, Charactersticks of (...) Men, Manners, Opinions, Times, it was common to see wilderness as ugly, to associate religion with fear and morality with unpleasant restriction, and to dismiss art as trivial or even corrupting. But Shaftesbury argued that nature, religion, virtue, and art can all be truly beautiful, and that cherishing and cultivating beauty is what makes life worth living. And, as Gill shows, this view had a huge impact on the development of natural religion, moral sense theory, aesthetics, and environmentalism. Combining captivating historical details and flashes of humor, A Philosophy of Beauty not only rediscovers and illuminates a fascinating philosopher but also offers an inspiring reflection about the role beauty can play in our lives. (shrink)

In the mid-20th century, descriptive meta-ethics addressed a number of central questions, such as whether there is a necessary connection between moral judgment and motivation, whether moral reasons are absolute or relative, and whether moral judgments express attitudes or describe states of affairs. I maintain that much of this work in mid-20th century meta-ethics proceeded on an assumption that there is good reason to question. The assumption was that our ordinary discourse is uniform and determinate enough to vindicate one side (...) or the other of these meta-ethical debates. I suggest that ordinary moral discourse may be much less uniform and determinate than 20th century meta-ethics assumed. (shrink)

This volume brings together twenty original essays on the changes and continuities in gender relations and intersecting politics of sexuality, race, class and location. The book is located in debates about contemporary culture at a moment of rapid technological change, global interconnectedness and the growing cultural dominance of neoliberalism and postfeminism. The collection traverses disciplines, spaces and approaches. It is marked by an extraordinarily wide focus, ranging from analyses of celebrity magazines and makeover shows to examinations of the experiences of (...) young female migrants, 'mail order brides' and young women who repudiate feminism. The contributions are united by their attempts to think through the ways in which experiences and representations of femininity are changing in the twenty-first century. Are we seeing new femininities? Are neoliberalism and postfeminism constructing new identities and subjectivities? What kinds of analytic tools and cultural politics are needed to critically engage with the current moment? This book will be of interest to everyone studying gender, media or cultural studies. (shrink)

In 1998, the Labour government introduced legislation broadening British sentencing powers in relation to crimes aggravated by the offender's hostility towards the victim's actual or perceived race, religion, sexual orientation or disability. Gender is a notable omission from this list. Through a survey of eighty-eight stakeholders working in the violence against women (VAW) sector, this paper explores both the potential benefits and possible disadvantages of adding a gender-based category concerned with VAW to British hate crime legislation. The majority of participants (...) believed that a hate crime approach would offer significant benefits, especially in terms of the symbolic power of the law to send a message to society that VAW is unacceptable. However, most also recognised that the addition of a VAW category to current legislation would involve major practical and conceptual difficulties, not least those resulting from problematic assumptions about the nature of hate crimes versus VAW, and a general unwillingness on the part of policy-makers to address the socio-cultural inequalities that underpin VAW. Overall, the fact that the majority of participants favoured inclusion, on the basis that the possible symbolic benefits were likely to outweigh the potential practical disadvantages, is significant: it speaks to the power of hate crime legislation to challenge many forms of inequality and discrimination still endemic in British society. (shrink)

Erving Goffman’s “Asylums” is a key text in the development of contemporary, community-orientated mental health practice. It has survived as a trenchant critique of the asylum as total institution, and its publication in 1961 in book form marked a further stage in the discrediting of the asylum model of mental health care. In this paper, some responses from a range of disciplines to this text, 50 years on, are presented. A consultant psychiatrist with a special interest in cultural psychiatry and (...) mental health legislation, two collaborating psychotherapists in adult and forensic mental health, a philosopher, and a recent medical graduate, present their varying responses to the text. The editors present these with the hope of encouraging further dialogue and debate from service users, carers, clinicians, and academics and researchers across a range of disciplines. (shrink)

In theMetaphysics, Aristotle pointed out that some activities are engaged in for their own sake, while others are directed at some end. The test for distinguishing between them is to ask, ‘At any time during a period in which someone is Xing, is it also true that they have Xed?’ If both are true, the activity is being done for its own sake. If not, it is being done for the sake of some end other than itself. For example, if (...) I am thinking, it is true that I have thought. But if I’m making a blouse, it is not true that I have made a blouse, at least not this particular blouse. That’s not true until I have completed the project.There have been a number of attempts to deepen our understanding of this distinction. Anthony Kenny devoted a chapter of Action, Emotion, and Will to this issue, exploring the effect tense has on implication relations, and using that as a basis for dividing verbs of action into state-verbs, activity-verbs and performance-verbs. In more recent years the trend has been to generalize these categories so as to include occurrences other than actions, i.e., occurrences which do not involve intentions. While interest in this area tends to focus primarily on linguistic issues, such as the categorization of verbs, or on the logical analysis of sentences, there has been some interest in related metaphysical issues. In 1978 Alexander Mourelatos published ‘Events, Processes, and States,’ a paper which has turned out to be quite influential, in which he proposes an ontological trichotomy of occurrences. In his view, processes and events form distinct categories within the general category of occurrences. In this paper I will examine the reasoning underlying Mourelatos’s claim, arguing that the differences between processes and events cannot provide the basis for an ontological subcategorization of occurrences. (shrink)

The stability of the power grid is concernment due to the high demand and supply to smart cities, homes, factories, and so on. Different machine learning and deep learning models can be used to tackle the problem of stability prediction for the energy grid. This study elaborates on the necessity of IoT technology to make energy grid networks smart. Different prediction models, namely, logistic regression, naïve Bayes, decision tree, support vector machine, random forest, XGBoost, k-nearest neighbor, and optimized artificial neural (...) network, have been applied on openly available smart energy grid datasets to predict their stability. The present article uses metrics such as accuracy, precision, recall, f1-score, and ROC curve to compare different predictive models. Data augmentation and feature scaling have been applied to the dataset to get better results. The augmented dataset provides better results as compared with the normal dataset. This study concludes that the deep learning predictive model ANN optimized with Adam optimizer provides better results than other predictive models. The ANN model provides 97.27% accuracy, 96.79% precision, 95.67% recall, and 96.22% F1 score. (shrink)

This paper presents a model for the structure of universal frameworks in logic, mathematics, and physics that are closed to logical conclusion by the mechanism of paradox across a dualism of elements. The prohibition takes different forms defined by the framework of observation inherent to the structure. Forms include either prohibition to conclusion on the logical relationship of internal elements or prohibition to conclusion based on the existence of an element not included in the framework of a first element. The (...) model is applied to logical arguments in philosophy, mathematics, and physics and is initially a geometrical analysis of quantum theory and its application in experiment. Conclusion from the analysis is extended to give insight into the complexity of infinities above the two-dimensional boundary of the model. (shrink)

On 3 August 2012, Shafilea Ahmed’s parents were convicted of her murder, nine years after the brutal ‘honour’ killing. The case offers important insights into how ‘honour’-based violence might be tackled without constructing non-Western cultures as inherently uncivilised. Critiquing the framing devices that structure British debates about ‘honour’-based violence demonstrates the prevalence of Orientalist tropes, revealing the need for new ways of thinking about culture that do not reify it or treat it as a singular entity that can only be (...) tackled in its entirety; instead, it is important to recognise that cultures consist of multiple, intersecting signifying practices that are continually ‘creolising’. Thus, rather than talking purely about culture, debates on ‘honour’-based violence should explore the intersection of culture with gender and other axes of differentiation and inequality. (shrink)

I argue that a policy of presumed consent for cadaveric organ procurement, which assumes that people do want to donate their organs for transplantation after their death, would be a moral improvement over the current American system, which assumes that people do not want to donate their organs. I address what I take to be the most important objection to presumed consent. The objection is that if we implement presumed consent we will end up removing organs from the bodies of (...) people who did not want their organs removed, and that this situation is morally unacceptable because it violates the principle of respect for autonomy that underlies our concept of informed consent. I argue that while removing organs from the bodies of people who did not want them removed is unfortunate, it is morally no worse that not removing organs from the bodies of people who did want them removed, and that a policy of presumed consent will produce fewer of these unfortunate results than the current system. (shrink)

This paper comments on some of the different senses of the notion of discourse in the various relevant literatures and then overviews the basic features of a coherent discourse analytic programme in Psychology. Parker's approach is criticised for (a) its tendency to reify discourses as objects; (b) its undeveloped notion of analytic practice; (c) its vulnerability to common sense assumptions. It ends by exploring the virtues of 'interpretative repertoires' over 'discourses' as an analytic/theoretical notion.

Rationale Treatment guidelines recommend a more conservative surgical approach than mastectomy for early stage breast cancer and a stronger emphasis on adjuvant therapy. Registry data at South Australian teaching hospitals have been used to monitor survivals and treatment in relation to these guidelines.Aims and objectives To use registry data to: (1) investigate trends in survival and treatment; and (2) compare treatment with guidelines.Methods Registry data from three teaching hospitals were used to analyse trends in primary courses of treatment of breast (...) cancers during 1977–2003 (n = 4671), using univariate analyses and multiple logistic regression. Disease-specific survivals were analysed using Kaplan–Meier product limit estimates and multivariable Cox proportional hazards regression.Results The 5-year survival was 79.9%, but with a secular increase, reaching 83.6% in 1997–2003. The relative risk of death (95% confidence limits) was 0.74 (0.62, 0.88) for 1997–2003, compared with previous diagnoses, after adjusting for tumour node metastasis stage, grade, age and place of residence. Treatment changes included an increase in conservative surgery (as opposed to mastectomy) from 51.7% in 1977–1990 to 76.8% in 1997–2003 for stage I (P < 0.001) and from 31.1% to 52.2% across these periods for stage II (P < 0.001). Adjuvant radiotherapy also became more common (P < 0.001), with 20.6% of patients receiving this treatment in 1977–1990 compared with 60.7% in 1997–2003. Radiotherapy generally was more prevalent when conservative surgery was provided, although also relatively common in mastectomy patients when tumour diameters exceeded 50 mm or when there were four or more involved nodes. The proportion of patients receiving chemotherapy increased (P < 0.001), from 19.6% in 1977–1990 to 36.9% in 1997–2003, and the proportion having hormone therapy also increased (P < 0.001), from 34.3% to 59.4% between these periods.Conclusions Survivals appear to be increasing and treatment trends are broadly consistent with guideline directions, and the earlier research on which these recommendations were based. (shrink)

The canonical proper time formulation of relativistic dynamics provides a framework from which one can describe the dynamics of classical and quantum systems using the clock of those very systems. The framework utilizes a canonical transformation on the time variable that is used to describe the dynamics, and does not transform other dynamical variables such as momenta or positions. This means that the time scales of the dynamics are described in terms of the natural local time coordinates, which is the (...) most meaningful parameterization of phenomena such as the approach to equilibrium, or the back reaction of interacting systems. We summarize the formalism of the canonical proper time framework, and provide example calculations of the eigenvalues of the hydrogen atom and near horizon description of a scalar field near a Schwarzschild black hole. (shrink)

This article addresses the precarious place of transgender and gender non-cis persons in relation to their discrimination-protections in recent legal, medical, and ethical policies in the United States. At present, there exists a contradiction such that trans persons are considered "pathological" enough that they are included in the latest iteration of the American Psychiatric Association's Diagnostic and Statistical Manual (DSM-V) as "gender dysphoric," but they are not included in the category of "disabled" under the Americans with Disabilities Act (ADA). As (...) such, trans persons in America are subject to the stigma of pathology (albeit with medical treatment) without the full protections of the ADA. By contrast, transgender and non-cis-gender Americans find their queer cohorts who are HIV-positive to be fully protected by the ADA. We ask whether transgender and non-cis-gender persons should embrace their (already pathologized) personhood as a disability. Sometimes "choosing disability" affords more rights than it deploys stigma. (shrink)

This is a collection of essays written by leading experts in honour of Christopher Rowe, and inspired by his groundbreaking work in the exegesis of Plato. The authors represent scholarly traditions which are sometimes very different in their approaches and interests, and so rarely brought into dialogue with each other. This volume, by contrast, aims to explore synergies between them. Key topics include: the literary unity of Plato's works; the presence and role of his contemporaries in his dialogues; the function (...) of myth ; Plato's Socratic heritage, especially as played out in his discussions of psychology; his views of truth and being. Prominent among the dialogues discussed are Euthydemus, Phaedo, Phaedrus, Republic, Theaetetus, Timaeus, Sophist and Laws. (shrink)

We take a fresh look at the concerns about credit card pricing and empirically investigate whether the Credit CARD Act of 2009 has been successful in addressing those concerns. The rational choice theory of credit card pricing, which posits that issuers use back-end fees to adjust the price of credit to reflect new information about borrowers’ credit risk, predicts that issuers will respond to the Act by using alternative ways to price risk. In contrast, the behavioral economics theory, which posits (...) that issuers use back-end fees because they are not salient to consumers, predicts that issuers will respond by increasing unregulated non-salient prices. If the market is competitive, we argue that the CARD Act should also result in increases in some salient, up-front prices. But we show that if issuers have market power, reductions in non-salient fees may not result in concomitant increases in salient charges. We test these predictions using two datasets on credit card contract terms before and after the CARD Act rules went into effect. We find that the rules have substantially reduced the back-end fees directly regulated by the Act, including late fees and over-the-limit fees. However, unregulated contract terms, such as annual fees and purchase interest rates, have changed little. Post-CARD Act, consumers continue to face high long-term prices and low short-term prices, and imperfectly rational consumers still find it difficult to understand the cost of credit card borrowing. We thus consider potential improvements to the regulatory framework. We argue that improved disclosures that present to consumers the aggregate cost of credit under the contract, based on information about the borrower’s likely use of credit, would improve consumer outcomes. Furthermore, we suggest that regulators, rather than focusing on prices that are “too high,” should consider limiting the ability of issuers to charge introductory teaser interest rates that are in a sense “too low. (shrink)