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Leite B: The Retirement Black Box

The Retirement Black Box

Decoding the Hidden Architecture of Target-Date Funds

A guide to organizational transformation targeting the country's trillion-dollar stagnancy problem-the "frozen middle" of corporate America-and offering strategies to overcome bureaucratic setbacks that hinder innovation, profit, and fulfillment Corporate America has a trillion-dollar problem: the frozen middle-paralysis in the critical layer of management caught between high-level leadership's vision and frontline employees' execution. This paralysis causes even the most promising initiatives to stall out. It traps passionate managers in inertia and stymies senior leadership. And every year it's costing companies billions. As experts in organizational transformation, Jimmy Leppert and Justin Wasserman have spent their careers figuring out how to thaw the frozen middle. Their consulting firm, Empactful Advisors, has led major organizations-including Chevron, Merck, and the Department of Defense-to generate more than $5 billion in cost savings and revenue growth. The key to their success comes from aligning senior leadership and middle management, using empathy and practical frameworks to illuminate the blocks that both sides face, and showing how they can shift from utter disconnect to collaborative goal setting that helps all parties-as well as the company-hit their targets. In Thaw, Leppert and Wasserman share their field-tested methods for turning strategic goals into tangible outcomes. Along the way, they offer a road map for employees at all levels to learn how to move through the bottlenecks that hold their organizations back and facilitate meaningful change. Middle managers will be empowered to unlock stalled careers, and senior leaders will learn how to galvanize their workforce and achieve bold, accelerated change. In the age of AI, a playbook for improving-and celebrating-human contribution is more essential than ever. Sharp, confident, and timely, Thaw is poised to be the definitive book on ending organizational paralysis and unlocking true potential.

Unfreeze Middle Management to Unlock Strategy, Innovation, and Growth

Thaw

Cross and Miller's "The Legal Environment of Business: Text and Cases," 13th Edition helps you understand legal concepts in a way that's both engaging and accessible, with a focus on broad legal issues facing business owners and managers today. Learn how the current legal environment is more about business constraints than simple rules of law. Updated examples, business-focused features, and step-by-step analyses provide meaningful context for every topic. The text emphasizes the role of ethics in law and provides a trusted framework for ethical decision-making. MindTap, Cengage's learning platform helps you apply your knowledge of the law to today's real issues with critical thinking and case analysis assignments.

Text and Cases

The Legal Environment of Business

The Importance of Being Unreasonable: Building a Company on the Frontiers of Science and Medicine

Nitrogen is what gives Guinness its surge and its dome. Fifty-four years later, a food scientist in Portland put the same gas into cold coffee, and nitro cold brew became a category. Nobody had hidden the pattern. It sat in the beer trade press for half a century, in an industry no one in coffee had any reason to read. Coffee people read coffee reports. Beer people read beer reports. We are taught to look for the future close to home: among our competitors, our customers, and the prevailing ideas within our own field. By the time a shift becomes visible inside a category, much of its strategic value has already been claimed. Your next advantage is probably taking shape somewhere you are not looking. Latitudinal thinking is the practice of looking across fields to recognize patterns others miss. Rather than examining the world you already know more intently, you learn to identify the same need, behavior, or force taking shape elsewhere, and to consider what it could make possible in your own work. Strategist Lara O’Shea has built her career on these connections. Drawing on geography, anthropology, photojournalism, and more than two decades of work across industries, she follows premiumization from spirits to skincare, coffee, and pet food, and now to fresh produce. She shows how two exhausted doctors at Great Ormond Street watched a Formula 1 pit stop on television and rebuilt the most dangerous minutes in pediatric heart surgery around what they saw, cutting technical errors per handover by roughly 40 percent. She traces how a self-taught carpenter’s son solved the longitude problem that Europe’s astronomers had claimed for two hundred years. Recognizing a connection is only the beginning. At the center of the book is the Latitude Scan, a five-step method for finding promising patterns, uncovering the forces beneath them, translating them across boundaries, and testing whether they truly fit: Chart, Scan, Triangulate, Traverse, and Ground Truth. A chapter on failure names the six ways a borrowed pattern goes wrong, so a reader can tell a meaningful parallel from a superficial resemblance before betting on it. The book arrives at the moment depth stopped paying. Your competitor’s AI has read the same reports as yours, and knowing your category better than anyone else is no longer an advantage you can hold. What remains is human work: deciding where to look, recognizing a structure when it turns up in an unfamiliar container, and judging whether it will survive the crossing.

Reading Patterns the World Misses

Thinking in Latitudes

Available open access digitally under CC-BY-NC-ND licence. Voluntary sustainability systems and responsible sourcing promise to address adverse social and environmental outcomes within global value chains. But un-fair trade continues to disadvantage producers and workers in the Global South. Why have they failed? What should we learn from them? Drawing on 30 years of research and policy advice, this book examines the roots of sustainability systems in colonial trade and traces their proliferation under multinational retailers in the agrifood and garment sectors. It questions whether current sustainability systems truly benefit workers and small-scale producers, especially women. It argues there are structural tensions between short-term profit-driven business models and long-term sustainability goals. A searching assessment of the robustness of voluntary initiatives and the role of government regulation shows how we could make trade fairer for a more sustainable future.

Legacies, Trajectories and Possible Futures

Un-Fair Trade and Sustainability Systems

An indispensable guide to dealing with disasters from one of today's foremost thinkers in crisis management, now updated with a new afterword."In a world marred by preventable miscalculation, Juliette Kayyem's The Devil Never Sleeps provides a playbook for making it out alive." -The New Yorker The future may be unpredictable, but nowadays, disasters are not. We live in a time of consistent catastrophe, where things more often go wrong than right. So why do we still fumble when crisis strikes? In The Devil Never Sleeps, Juliette Kayyem outlines a radical new way to prepare for disasters. Traditional principles of crisis management, focused on preventing disasters, are no longer viable. We need a forward-thinking approach that allows us to respond, recover, and build more resilience when crisis occurs. Drawing on her experience in national security and assessing real-life examples-from natural disasters like the California wildfires to human-made ones like airplane collisions-Kayyem identifies common lessons that can be implemented now to limit harm in the future. The Devil Never Sleeps is an essential guide for developing strategies that actually work in the face of perpetual catastrophe.

Learning to Live in an Age of Disasters

The Devil Never Sleeps

Why are the voices most shaped by climate change the least heard in sustainability debates? This groundbreaking book explores sustainability issues through the lived experiences, practices and knowledge of Somali and Pakistani diasporic communities in the UK. Drawing on seven years of research, it challenges dominant ideas of the 'green consumer' and shows how people called 'migrants' bring rich, translocal insights into sustainable living. By presenting what participants say about their everyday practices, memories of homelands and faith-based motivations, it argues for a more inclusive vision of environmental sustainability. It is essential reading for anyone seeking fresh perspectives on environmental and climate justice in diverse, multicultural societies.

Environmental Politics, Everyday Practices and Translocal Lives

Unsettling Sustainability

The award-winning author of The Entrepreneurial State and Mission Economy offers a scathing indictment of a global financial system that incentivizes taking over making and extraction over creation."A stimulating analysis of the underlying causes of inequality and growth which forces us to confront long-held beliefs about how economies work and who benefits." -Martin Wolf, Financial TimesThe Value of Everything is a penetrating and passionate argument that modern capitalism has failed to clearly delineate between value creation and value extraction. As economist Mariana Mazzucato shows, from Silicon Valley to Wall Street and beyond, foggy notions of value create confusion between rents and profits, reward extractors rather than creators, and distort the measurements of growth and GDP. Asset management companies profit exorbitantly off of income generated elsewhere; big pharma uses value-based pricing to justify astronomically high prices for vital medicines that are publicly funded. In the process, innovation suffers and inequality widens. Now updated with a new preface, The Value of Everything reignites the debate over how we measure value in our society-and in so doing, shows how we can shape our economy to be more innovative and inclusive.

Making and Taking in the Global Economy

The Value of Everything

Highly anticipated debut book from award-winning creator featured in Vogue, The Times, and The Telegraph. Frugal Chic is the complete guide to fixing your finances, protecting your time, and building your personal style, in 12 simple steps. Social media sensation and pioneer of the viral Instagram and TikTok movement 'Frugal Chic', Mia McGrath reveals how to build a life that feels stylish, intentional and financially secure. Drawing on behavioural psychology, philosophy, and her own journey from fashion obsessive to self-made saver, Mia reveals how modern life quietly erodes self-worth and fuels overspending. She explains why traditional budgeting advice fails, why identity matters more than discipline, and why true freedom comes from simplicity rather than restriction. In this relatable, life-changing guide, Mia shows: - how to shift your identity to intentional saver - why social media and overconsumption keep you stuck in emotional spending cycles - how to cultivate rituals, taste, and habits that reduce financial chaos - how to save and invest to grow your wealth with confidence Frugal Chic is not about penny-pinching, depriving yourself, or perfection. It's about spending intentionally on what matters to you most in life and building wealth for your future.

12 Habits for Building Wealth, Stylishly

Frugal Chic

Eminent political economists Ian Budge and Paul Whiteley make a forceful case for bringing the state back into economic planning for better economic and political outcomes. They do so primarily by calling attention to the shortcomings of axiomatic, neoclassical economic theorizing, which makes normative assumptions about how economic actors ought to behave without considering how they actually behave thanks largely to the influence of advertisers and politicians. Revisiting Adam Smith with this in mind, Budge and Whiteley offer original, alternative understandings of individual and collective decision-making; the difference between national economies and "the economy"; the state's role in the provision of public goods; the state's role in dealing with risks, uncertainties, and externalities such as climate change; and the very notion of "supply and demand," which they reconceive as supply-then-demand. The end result is a more robust explanatory model of economics coupled with a normative case for the governance of public goods and markets. All this adds up to a major intervention into the question of how societies organize the extraction and allocation of resources to meet the needs of their constituents.

A Political Theory of Economies and Markets

Public Supply and Demand

Harriman House

You've done everything right. You've saved, invested, and sacrificed. So why does the idea of actually stopping feel so scary? The greatest obstacle to your retirement isn't the market or the economy-it's the narrative in your own head. For decades, the drive to achieve has served you well, but now that same drive has created a "Great Retirement Deception." It's an internal trap of "just a little more" and "just one more year" that keeps millions of successful Americans in a cycle of perpetual accumulation, trading their healthiest years for numbers they will never need. In How To Be Rich, retirement planning specialist Kevin Lum helps you dismantle the fear-based myths we tell ourselves and replaces them with a definitive blueprint for freedom. By mastering the five key numbers that actually determine readiness, you will learn to silence the psychological noise and reclaim your time. Built around real stories and evidence-based strategies, this book is your guide to shifting from accumulation to living, and from a career of success to a retirement of true significance. It's time to stop calculating your net worth and start calculating your life's worth.

A guide to freedom, purpose and true wealth

How To Be Rich

&nbsp;What separates managers from true leaders?After more than three decades leading teams at some of the world's most influential companies, including Microsoft and Samsung, Harry Patz Jr. has learned that leadership is rarely found in organizational charts, management theories, or corporate buzzwords. The most important leadership lessons are often the unwritten ones.In&nbsp;Unwritten Rules of Leadership, Patz shares a practical, witty, and deeply personal guide to leading people, navigating change, and building organizations that thrive. Drawing from real-world experiences in technology, business transformation, sports, history, military leadership, and even classic films, he distills hard-earned lessons into actionable principles leaders can apply&nbsp;

An Insider's Guide to Leading and Managing

Unwritten Rules of Leadership

The Retirement Black Box

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