This essay discusses an approach to teaching religious studies in a general education or core curriculum that I have experimented with for the last decade, which I call the “Learning Covenant.” The Learning Covenant brings together various pedagogical theories, including transformational, experiential, contract, and cooperative learning, in an attempt to address diverse learning styles, multipl...

We examine how the level of chief executive officer (CEO) overconfidence might affect a borrowing firm's ex ante covenant intensity and post violations. find that overconfident CEOs are less effective in steering firm away from unfavorable opportunistic behavior, hence creditors include more stringent restrictions loan contracts their firms. The interpretational bias other positive illusions co...