Josh Silver

'Fruit Fly is savage and darkly hilarious. A pointed satire of publishing with flawed, fascinating characters.' Juno Dawson 'This is an incredible book ... tough and raw and merciless but funny and kind at the same time.' Russell T. Davies, writer of It's a Sin Anyone can write a bestseller. Here’s how. GO GAY It’s been seven years since Mallory shot to fame as a literary sensation. But after years of struggling with writer’s block, she’s desperate to resurrect her career before it spirals into obscurity. She needs inspiration to strike – and fast. GO SAD Enter Leo – a young struggling addict sleeping under bridges and trading sex for survival. He’s vulnerable. He’s enigmatic. He’s exactly what Mallory has been looking for. GO DARK Mallory needs Leo if she wants another bestseller. Authenticity sells, and there’s nothing more authentic than real life. She’s the perfect person to tell Leo’s story. Gay, sad, dark – just what the world needs right now. But as secrets threaten to unravel more than just her career, Mallory must decide: just how far will she go to pen the perfect story? 'Absolutely unforgettable. A raw, visceral triumph that echoes modern classics like Trainspotting, Young Mungo and A Little Life, yet stands entirely on its own.' John Marrs

'Fruit Fly is savage and darkly hilarious. A pointed satire of publishing with flawed, fascinating characters.' Juno Dawson 'This is an incredible book ... tough and raw and merciless but funny and kind at the same time.' Russell T. Davies, writer of It's a Sin Anyone can write a bestseller. Here’s how. GO GAY It’s been seven years since Mallory shot to fame as a literary sensation. But after years of struggling with writer’s block, she’s desperate to resurrect her career before it spirals into obscurity. She needs inspiration to strike – and fast. GO SAD Enter Leo – a young struggling addict sleeping under bridges and trading sex for survival. He’s vulnerable. He’s enigmatic. He’s exactly what Mallory has been looking for. GO DARK Mallory needs Leo if she wants another bestseller. Authenticity sells, and there’s nothing more authentic than real life. She’s the perfect person to tell Leo’s story. Gay, sad, dark – just what the world needs right now. But as secrets threaten to unravel more than just her career, Mallory must decide: just how far will she go to pen the perfect story? 'Absolutely unforgettable. A raw, visceral triumph that echoes modern classics like Trainspotting, Young Mungo and A Little Life, yet stands entirely on its own.' John Marrs

A bold new dystopian thriller about an experimental mental health retreat center for young adults where everything is not what it seems--and one boy who will risk everything to escape. Seb has been selected for a new experimental mental health center called HappyHead, designed to solve the national crisis of teenage unhappiness. There he and fellow participants will complete in a series of assessments meant to test them, so they can better face the challenges of the real world. Seb is determined to win so he can change how people see him and make his parents proud. But then Seb meets a mysterious participant named Finn who has drawn unwanted attention to himself by resisting the program's rules. The leaders want everyone to believe Finn is mentally unstable but as Finn exposes cracks in the system around them, Seb is left questioning the true nature of the challenges--and wondering if Finn is actually the only one he can really trust. Something sinister is at play...and as the assessments take a dark turn, it becomes impossible to ignore the voice in his head telling him that even if he wins, there might be no way out.

The United States Congress passed the Community Reinvestment Act (CRA) in 1977 with the objective of ending redlining, the decades-old practice of neighborhood discrimination by banks against African Americans and others based on race and income. The race-based rejection of loans to creditworthy residents of redlined neighborhoods delayed the American dream of homeownership and small business ownership for generations. Senator William Proxmire, the main Congressional sponsor of CRA, along with advocacy organizations, believed that segregated neighborhoods would not successfully revitalize themselves if banks continued to refuse to make loans in them. Therefore, the CRA was devised to make banks accountable for serving the needs of entire communities. Based on a comprehensive analysis of half a century of CRA-related legislation and banking regulation, this book takes a hard look at the effectiveness of the CRA and clearly lays out what needs to be done to CRA and its regulation to improve outcomes. The author addresses whether CRA is an effective response to racial injustice, whether CRA has effectively empowered communities, whether the federal agencies have developed regulations that conform with and further the statutory objectives of CRA, and whether the law appropriately addresses and rectifies market failures in our economy.With decades of experience in the CRA and fair lending field, Josh Silver spent most of his time as Vice President of Research and Policy and as a Senior Fellow with the National Community Reinvestment Coalition but also worked for Manna, Inc., a local nonprofit housing development organization based in the District of Columbia, and for the Urban Institute, a think tank also based in Washington, DC.

The experiment continues in the dark and disturbingly thrilling conclusion to the HappyHead duology where Seb will find the secret to escaping is more heart-wrenching than he ever imagined. Seb was sure surviving the experimental health center of HappyHead would be enough to send him home. But now he joins the top ten contestants in the next stage of the testing, which will take place on a remote island, under the watchful eye of a mysterious couple. Unsure if Finn is dead or alive, Seb reluctantly teams up with Eleanor again as the pair are forced to compete in a series of ever stranger trials to prove their connection and get their lives back. But Seb can't stop thinking about Finn and how he may have been too much of a threat to the program. Determined to find him, Seb's search uncovers an even darker reality...and the only way to escape the island will be to expose the sinister truth behind HappyHead once and for all.

A bold new dystopian thriller about an experimental mental health retreat center for young adults where everything is not what it seems--and one boy who will risk everything to escape. Seb has been selected for a new experimental mental health center called HappyHead, designed to solve the national crisis of teenage unhappiness. There he and fellow participants will complete in a series of assessments meant to test them, so they can better face the challenges of the real world. Seb is determined to win so he can change how people see him and make his parents proud. But then Seb meets a mysterious participant named Finn who has drawn unwanted attention to himself by resisting the program's rules. The leaders want everyone to believe Finn is mentally unstable but as Finn exposes cracks in the system around them, Seb is left questioning the true nature of the challenges--and wondering if Finn is actually the only one he can really trust. Something sinister is at play...and as the assessments take a dark turn, it becomes impossible to ignore the voice in his head telling him that even if he wins, there might be no way out.

Be prepared to be scared again in the nail-biting sequel to HappyHead. ‘One of the very best voices in YA right now.’ Benjamin Dean FRIENDS, WELCOME TO ELMHALLOW. YOU ARE THE CHOSEN TEN. By some miracle, Seb has survived the HappyHead programme, only to find himself stranded on a remote island under the guidance of a freakishly beautiful couple. Far from home, Seb reluctantly teams up with Eleanor again and the pair are forced to compete in a series of ever stranger trials to prove their connection. All the while, he can’t stop thinking about Finn. Determined to find him, Seb’s search uncovers an even darker reality. Can he escape the island and expose the sinister truth behind HappyHead? ‘Brilliantly twisted – even better than the first.’ Brandon Flynn 'The perfect sequel...heart-pounding and heart-wrenching.' A. F. Steadman, author of the Skandar series

Squid Game meets They Both Die at the End in the first in a thrilling new YA series. Nominated for the 2024 Carnegie Medal for writing An Amazon best YA Book of the Year 2023 Shortlisted for the YA Book Prize 2024 We are in an epidemic. An epidemic of unhappiness. Friends, here is the good news: HappyHead has the answer. When Seb is offered a place on a radical retreat designed to solve the national crisis of teenage unhappiness, he is determined to change how people see him and make his parents proud. But as he finds himself drawn to the enigmatic Finn, Seb starts to question the true nature of the challenges they must undergo. The deeper into the programme the boys get, the more disturbing the assessments become, until it’s clear there may be no escape... ‘Like Hunger Games but better.’ Sue Wallman, author of Lying About Last Summer ‘A truly thought-provoking thriller, channelling the menace of dystopian favourites such as Maze Runner and The Hunger Games.’ Observer