1. Greenspan Social-Emotional Growth Chart
2. promoting contingent capital as an alternative to bankruptcy or bailouts, Coffee suggests a contingent capital design where "(1) [t]he conversion ratio would be deliberately designed to protect the debt holders from loss by instead diluting the existing equity holders, and (2) the debt security would convert into a fixed return preferred stock with cumulative arrearages and significant voting rights"). Coffee avers that converting the debt security into preferred stock creates a "countervailing voting constituency," which offsets the voting power of "risk-tolerant common shareholders, thereby reducing the pressure on corporate managers to accept greater risk and leverage;See John;Contingent Capital and the Need for Regulatory Strategies Beyond Oversight, 111 COLUM. L. REV. 795,2011