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So, today, why should we pay for our books – especially in a digital age where intellectual theft is both ubiquitous and pretty much risk free?
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Twelve pretty much risk-free runs from the over.
If the Bank again does nothing, lenders will assume – quite understandably – that permanently low interest rates, FPC timidity and the ability of landlords to pass on higher stamp duty to tenants in the form of higher rents make buy-to-let pretty much risk-free.
Ensure your cat has a safe place to sleep, feels secure whilst toileting, has safe access to its food, is not threatened by other human or animal members of the household, cannot escape from the safe confines of its location, is unable to access any poisonous substances, and can live as much of a risk free existence as is practically possible.
Economists calculate this by measuring the difference between the rate charged on loans and a "reference rate", which is pretty much the risk-free rate.The consequence of this approach is that when interest margins rise for corporate borrowers, as they did in late 2008, the gross value-added of the banking sector appears to go up.
The challenge from copying for the music business is much greater, because music is easy to copy and virtually risk free, at least at the moment.
It is risk free.
These are hardly risk free.
"It's not risk free.
Now there's just too much risk.
"There is just too much risk.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com