I address the following issue in this paper: how does information sharing among banks about borrowers affect banks’ competition, and ultimately, the interest rate borrowers pay for the loan they take? One would expect that full information sharing among banks reduces lenders’ risk and results in lower lending rates than any other arrangement. This may be the reason why regulators of the banking...

This paper draws on Card’s discussions of moral luck to consider the complicated moral life of people—described as pessimists—who accept the heavy knowledge of the predictability of the bad moral luck of oppression. The potential threat to ethics posed by this knowledge can be overcome by the pessimist whose resistance to oppression, even in the absence of hope, expresses a sense of still havin...

Abstract The Monster Objection has often been considered one of the main reasons to explore non-standard mereological views, such as hylomorphism. Still, it rarely discussed and then only in a cursory fashion. This paper fills this gap by offering first thorough assessment objection. It argues that different metaphysical stances, presentism three- four-dimensionalism, provide ways undermining