The United States Congress passed the Community Reinvestment Act (CRA) in 1977 with the objective of ending redlining, the decades-old practice of neighborhood discrimination by banks against African Americans and others based on race and income. The race-based rejection of loans to creditworthy residents of redlined neighborhoods delayed the American dream of homeownership and small business ownership for generations. Senator William Proxmire, the main Congressional sponsor of CRA, along ...

When Seb is offered a place on a radical retreat designed to solve the national crisis of teenage unhappiness, he is determined to change how people see him and make his parents proud. But as he finds himself drawn to the enigmatic Finn, Seb starts to question the true nature of the challenges they must undergo. The deeper into the programme the boys get, the more disturbing the assessments become, until it’s clear there may be no escape …

Anyone can write a bestseller. Here's how. GO GAY It's been seven years since Mallory shot to fame as a literary sensation. But after years of struggling with writer's block, she's desperate to resurrect her career before it spirals into obscurity. She needs inspiration to strike – and fast. GO SAD Enter Leo – a young struggling addict sleeping under bridges and trading sex for survival. He's vulnerable. He's enigmatic. He's exactly what Mallory has been looking for. GO DARK Mallory needs ...

Seventeen-year-old Eli has been in a near-fatal car crash. As the anniversary looms, his therapist and family struggle to help him deal with the fall out. The accident has left him emotionally numb, with no memory of the months following the crash. Desperate to feel something again, Eli winds up at an underground club called Traumaland. But this is no ordinary nightclub. Here he joins crowds of other emotionally numb people, all seeking to experience a new thrill by entering virtual realit...

After discovering that Happyhead was a sinister eugenics experiment, Seb along with a select group of participants, finds himself washed up (literally) on an isolated island called Elmhallow. Here the teens are split into two groups – the chosen Ten and the Bottom Percentile. With the boys divided, Seb's burgeoning relationship with Finn is put to the test and when the competition takes a deadly turn, their plan to take down HappyHead rapidly unravels ...

Cryptocurrency is becoming more mainstream. Many people have become millionaires and even billionaires from it. Learn what all the fuss is about right in this book.