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To examine bad credit experiences in the context of identity to understand the entanglement between bad credit and the deformation of identity.

A qualitative method using depth interviews and hermeneutical analysis.

Bad credit is a major life event and plays a critical role in identity. By restricting or eliminating identity construction and maintenance through consumption, identities are deformed. Consumer identities are deformed as they are consumed by the identity deformation process as normal patterns of consumption that have built and supported their identities are disrupted and demolished. Bad credit is overwhelmingly consumptive of consumers – it consumes their time, energy, patience, lifestyle, relationships, social connections, and perhaps most importantly, it consumes their identity as it deforms who they are.

Researchers need to examine more closely not just the creation and maintenance of identity, but also how identity is deformed and deconstructed through consumption experiences that can no longer be enjoyed.

Government agencies may want to reexamine policies toward the granting of credit to reduce the incidence of loading up consumers with credit they are not able to pay for. The deformation of identity may result in anti-social behavior, although our study does not address this directly.

This study is different from previous work in several ways. We focus on identity deformation due to bad credit. By analyzing a crisis response that transcends the specific impetus of bad credit, we extend identity theory by developing an insight into “identities-in-crisis.” We also provide a theoretical framework and explore how consumers’ identities are deformed and renegotiated.

This chapter provides a taxonomy of key rolling stock types and covers the key engineering principles. This chapter concentrates on the aspects of the rolling stock that make it sustainable in terms of passenger transportation; these aspects are primarily safety and crashworthiness. These are specific items that contribute to make the rolling stock and hence rail system more sustainable; passengers need to be confident that they are travelling in safe rolling stock and the vehicle consist, manufacturing technique or materials used should not compromise the crashworthiness aspects. For this reason, all aspects of this chapter reference vehicle safety and crashworthiness.

Khiva is a UNESCO World Heritage site with ancient mudbrick buildings and a complete city wall. These are threatened from below by water and salt, and we seek to understand how the deterioration is happening and can be stopped. We have done investigations in the subsoil over several years to determine that destruction is caused by waterlogging, shifts in the ground, termites, and other damage. The damage has been caused by agricultural practices, especially leaky irrigation systems. Some of Khiva's buildings are becoming structurally unsound from water damage. Our studies at several sites confirm that water diversion will be necessary to prevent further infiltration of salt and water. Khiva's legacy is contained in the ancient buildings which are an important part of Silk Road history. Our research contributes to the understanding how to protect mudbrick buildings from environmental factors and deformation processes.

The correlations between mechanical behaviour, tensile strength, and rock parameters of metasedimentary rock samples in Karak, Pahang’s New Austrian Tunnelling Method (NATM) were statistically evaluated from the rock mechanic laboratory works at the selected sections around 2,000 m of the tunnel (named as NATM-1). According to a statistical analysis, lithotypes, geological structures, and region geology have a significant impact on the mechanical behaviour of the metasedimentary rock. In the Brazilian test, the fracture behaviour of the disc specimens was highly related to the reliability and precision of the experimental data by validations of methods. In this work, the impact of different loading methods and rock lithotypes on the failure mechanism of Brazilian discs was examined utilising five different metasedimentary rock types and three different loading methods. During the loading operation, the strain and displacement fields of the specimens were recorded and evaluated using a computerised strain gauge system. The rock types, according to experimental data, have a significant impact on the peak load and deformation properties of Brazilian discs. With the method below, tensile strength point of a disc specimen is clearly regulated by the material stiffness and tensile–compression ratio. Seismic occurrences have had a substantial impact on changing the rock and exerting forces that may affect its mechanical characteristics as well as its vulnerability to weathering effects or discontinuities. As a result, the goal of this study is to look into the connection between rock mechanics and metasedimentary rock stress analysis in NATM-1, Karak, Pahang.

One of the most important and brilliant contributors to the Frankfurt School understanding of character was Theodore Adorno. For Adorno, domination was not simply due to class relations, but the totality of market society in which Reason as the logic of exchange relationships migrated into the family and was insinuated within the person to colonize subjectivity. A central moment of the critique was the internalization of the authority relations of caretakers within superego (cf. Horkheimer, 1972). The law of value, together with Instrumental Reason as a hegemonic ideology and the commodification of culture led to the formation, if not deformation of an authority seeking superego as the typical means of adaptation that sustained political economic arrangements, albeit through suffering based on the repression of desire, the suppression of self and the thwarting of human possibility. Although this critique was rooted in Marx's analysis of capitalism as alienating, dehumanizing and objectifying, the emancipatory quest sought the liberation of self and desire from the alienation, commodification, and objectification of bourgeois society. But so too can we find that from out of the depths of the alienation and despair of the émigré scholar, there also comes the promise of redemption and the possibility of the “good life,” which requires overcoming alienation, and with that overcoming, transcendence, and emancipation from domination.¹