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The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry, in the form of entrepreneurial fintech start-ups to large, non-financial technology-based companies.

An American Girl Anthology: Finding Ourselves in the Pleasant Company Universe turns American Girl dolls―and the ever-growing ecosystem surrounding them―inside out. Editors Justine Orlovsky-Schnitzler and KC Hysmith, along with an expansive list of contributors, explore Pleasant Company (American Girl's parent corporation) and the social and cultural impact the dolls and broader American Girl universe continue to have for generations of American consumers through thoughtful and fun essays.

On the night of her eighteenth birthday, Alice should be celebrating. She can finally vote, she’s almost finished high school in Tecumseh, Oklahoma, and her family and twin brother, Alistair, have thrown a party to remember. But beneath her smile, Alice hides a growing fear—she might be pregnant. As a young witch, she knows there are ways to handle such things. She vows to stay away from Johnny Ackersly, her charming but reckless boyfriend, and plans to brew a tea that will bring her body back into balance. Then Johnny gives her a gift—a necklace strung with ruby-red beads.

In a world where the lines between predator and prey have blurred beyond recognition, Luna and Harry are caught in the crossfire of a brutal new breed of monsters—engineered killers born from twisted science, faster and deadlier than anything the legends warned about. As cities fall silent and extinction looms, they must navigate a shattered world where survival means fighting not just for life, but for the very soul of humanity.

The Apostolic Fathers is an important collection of writings revered by early Christians but not included in the final canon of the New Testament. Here a leading expert on these texts offers an authoritative contemporary translation, in the tradition of the magisterial Lightfoot version but thoroughly up-to-date.

The Harlem Hellfighters, also known as the 369th Infantry Regiment of the U. S. Army, embody a significant intersection of America’s military history and racial history. Initially raised as the 15th New York (Colored) National Guard and later federalized for World War I, the regiment was "loaned" to the French Army, where it compiled an extraordinary combat record, with a remarkable 191 days on the line and suffering about 1,400 casualties while never yielding its sector (Morrow & Sammons, 2014, pp. 3–6; Harris, 2003, pp. 233–235).

Eighteen-year-old soccer prodigy Davis Day had the world at his feet: a college future, a loyal team, and dreams of playing professionally. All it took was one lie to rip it all away. Branded a criminal before he can defend himself, Davis watches his name, his friendships, and his future collapse. Pressured into a plea deal he never should have taken, he’s trapped in a nightmare where the truth doesn’t matter — and every day feels like another nail driven through the life he once knew.

For more than half a century, the names J.R.R. Tolkien and C.S. Lewis were synonymous with epic fantasy. Thanks to his classics, The Hobbit and The Lord of the Rings trilogy, Tolkien both revived interest in fantasy literature and set the standard for the genre, and today he is widely acknowledged as the “father” of modern fantasy.

In a country torn by conflict, a scrappy cat named Mookie refuses to let fear dim the flicker of hope. Guided by Tootsie, an aging feline sage with memories etched in every scar, Mookie rallies a ragtag band of cats longing for peace. Their destination? A whispered legend: the Cat Café in Lviv, a place of safety, kindness, and soft cushions. But the road is treacherous. As war looms in the background, their path is lit by unexpected friends, children who can still speak the language of animals, a loyal dog named Bailey, and Woje, a gentle bear descended from the legendary soldier bear Wojtek.

Shadow Awakening is a journey back to the heart, soul, and essence of who we were always meant to be. This transformative workbook offers you clarity, support, and guidance to navigate the shadow realm. Shadow work at its core is about making the unconscious…conscious, which means learning to work with repressed, suppressed, and denied emotions, integrating them back into your psyche. The insightful wisdom in this book empowers you to connect with your shadow, gives you the tools to integrate it, and awakens your potential to live the life of your dreams.

Para evitar el acoso, debe desarrollar su confianza en sí mismo y su autoestima, mantener una comunicación abierta con adultos de confianza y evitar situaciones en las que es probable que ocurra el acoso permaneciendo en grupos y cerca de adultos. Si lo acosan, informe el incidente a un adulto de confianza, mantenga la calma y aléjese de la situación. Para el acoso en línea, proteja su configuración de privacidad, no comparta información personal y mantenga informados a sus padres sobre sus actividades en línea.

Ce livre audio présente le mystère de Ciforia, un royaume enchanteur entre merveilles et ombres anciennes. La princesse Baldana, désireuse d’aventure, hérite d’un destin hors du commun marqué par des visions, rencontres improbables et magie ancestrale. L’histoire met en avant des thèmes clés tels que la quête, la mémoire et le pouvoir des liens, incarnés par des figures comme Adula et Tifana, gardiennes du savoir. Ces personnages illustrent la sagesse transmise de génération en génération et soulignent l’importance de l’union, de la confiance et de la solidarité pour vaincre l’obscurité.

Cal is a smart ass ex-junkie with a chip on his shoulder and a bad back. When he learns that his estranged alcoholic uncle Johan has died, Cal flies to Prince Edward Island (PEI) to handle his estate. His sister Maggie tags along to keep things on track, and more importantly, to keep an eye on Cal. As soon as they arrive, they learn about the man they chose to ignore for the better part of their lives: Johan’s multi-million dollar fish farm, his secret lover, his money-hungry business partner, and a potential conspiracy that could jeopardize everything he worked for.

Liam shares his imaginative story of a goblin, a witch, and a flea in a fun, memorable rhyme that is sure to delight. Even a small flea can teach us a powerful message about acceptance, kindness, and love. Despite their obvious differences, Bree the flea longs to one day win the friendship of Soblin the goblin and Mitch the witch. This not-so-spooky story is the perfect way to end the day and get ready for bedtime.

Aurora was meant to wake. The prophecy promised a hundred years of sleep. But centuries passed, her kingdom crumbled to dust, and now she rests in a museum display, an artifact of myth and magic. Dez is a museum custodian and aspiring engineer who stumbles upon a way to enter Aurora’s dreams. What starts as curiosity becomes something deeper as he pieces together her story—and uncovers a connection that defies time.

Bonnie Moorside likes her life neat and predictable. Her biggest thrill is unboxing a new shipment of novels at Wood’s Writing Emporium. With her cosy apartment, doting dads, and two best friends (one shy, one loud enough for both), Bonnie has everything she needs—except adventure. Then Allegra Malgeri walks in. Elegant. Controlled. Dressed in flawless Italian couture. And the mafia’s most trusted enforcer. Allegra’s arrival shatters Bonnie’s calm and pulls her into a world of power, danger, and heart-pounding temptation.

Lynn’s ability to see things outside human perception makes her the ideal candidate to join the multiverse police. After a bungled first mission and an unfortunate encounter with a basketful of anchovies, Lynn starts to wonder if she’s really cut out for multiversal work. When she turns to her copy of the Field Agent’s Manual for reassurance, she stumbles across a faded note that leads her to a cover-up spanning two decades and several worlds. Now, Lynn must work to uncover the damning secret behind the note before the next End of the World, Amen.

What if you could understand the intricate mechanisms that control how our cells age—and learn how to combat them? Cellular Aging and Consequences in Humans: Nutritional and Clinical Studies delivers a comprehensive exploration of cellular senescence and cutting-edge anti-aging strategies that may hold the key to healthier aging.

Power has a price—and Kaevra is running out of time to decide what she's willing to pay. With enemies tightening their grip and allies growing scarce, Kaevra finds herself walking a razor’s edge between who she was and who the world demands she become. Her magic is changing, her past is catching up to her, and the shadows of war grow darker with each step she takes. As rebellion flickers like flame across the fractured kingdom, Kaevra must face the truth: some battles cannot be won without sacrifice And not all monsters wear crowns.

Build unshakeable confidence and masculine leadership. This guide teaches centered strength that commands respect and attracts naturally. Learn the escalate or fade principle, understand the desire loop, create stability through emotional leadership, debunk the height myth, and choose compatible partners.