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U S Government Accountability Office: Municipal Securities : Options for Improving Continuing Disclosure: Report to Congressional Committees.

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" Municipal securities are debt instruments that state and local governments issue to finance diverse public projects. As of March 31, 2012, individual investors held up to 75 percent of the total value of municipal securities outstanding. These securities are exempt from certain federal disclosure requirements applicable to other securities sold publicly. Disclosure provided in the primary market, where these securities are issued, generally consists of official statements. Continuing disclosure is information provided in the secondary market, where these securities are bought and sold after issuance. The Dodd-Frank Wall Street Reform and Consumer Protection Act required GAO to review the information issuers of municipal securities must disclose for the benefit of investors. This report addresses (1) the extent to which information currently provided on municipal securities is useful for investors and the extent to which existing regulations reflect principles for effective disclosure, and (2) options for improving the information issuers disclose to investors of municipal securities. To conduct this work, GAO reviewed disclosure rules and compared them with principles for effective disclosure cited by SEC and the International Organization of Securities Commissions, surveyed selected experts and market participants, and interviewed issuers. GAO provided a draft of this report to SEC, MSRB, and the Financial Industry Regulatory Authority (FINRA"

Although he's too young to join the Confederate Army, Andrew is welcomed into the Home Guard, a group of men who track down deserters and runaways. He and Dash make a great team. But hunting people is very different from hunting raccoons. And soon Andrew's loyalty will be tested like never before. A world of puppy adventure from the author of the Magic Kitten series, which has sold over a million copies! Lauren is biggest wish is to be an ice skater and wants to join the Ice Skating Academy with her friends to practice and become the best she possibly can. But her mum and dad don't think that she will be dedicated enough. How can Lauren prove them wrong? A magical twinkle of hope appears in the form of fluffy Scottie Dog puppy, Storm... After a bruising divorce, headstrong Juliet Miller invests in a flat and advertises for a flatmate, little believing that in her mid-thirties she'll find anyone suitable. But along comes self-employed copywriter Floz, raw from her own relationship split, and the two woman hit it off. When Juliet's twin brother Guy meets Floz, he is overcome with a massive crush. But being a shy, gentle giant, he communicates so clumsily with her as to give her the opposite impression. Guy's best friend Steve has always had a secret, unrequited crush on Juliet. After a night of too much wine, Steve and Juliet end up in bed, after moaning about the lack of sex in their lives. Convinced that Juliet doesn't feel the same way, Steve Municipal Securities : Options for Improving Continuing Disclosure: Report to Congressional Committees. download ebook agrees to a 'just-sex' relationship, until they can both hook their dream partners. Just when Guy has finally plucked up the courage to tell Floz how he feels, he finds she has rekindled an old romance. Floz has never had much love in her life and is obviously thirsty for affection. She loves the whole Miller family, from Juliet and Guy's warm, loving parents, to their ancient one-eyed black cat.

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Chetan Bhagat: One Night at the Call Center

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Press 1 for technical support. Press 2 for broken hearts. Press 3 if your life has totally crashed. . . . Six friends work nights at a call center in India, providing technical support for a major U.S. appliance corporation. Skilled in patience and accent management they help American consumers keep their lives running. Yet behind the headsets, everybody s heart is on the line. Shyam (Sam to his callers) has lost his self-confidence after being dumped by the girl who just so happens to be sitting next to him. Priyanka s domineering mother has arranged for her daughter s upscale marriage to an Indian man in Seattle. Esha" "longs to be a model but discovers it s a horizontal romp to the runway. Lost, dissatisfied Vroom has high ideals, but compromises them by talking on the phone to idiots each night. Traditional Radhika has just found out that her husband is sleeping with his secretary. And Military Uncle (nobody knows his real name) sits alone working the online chat. They all try to make it through their shifts and maintain their sanity under the eagle eye of a boss whose ego rivals his incompetence. But tonight is no ordinary night. Tonight is Thanksgiving in America: Appliances are going haywire, and the phones are ringing off their hooks. Then one call, from one very special caller, changes everything. Chetan Bhagat s delicious romantic comedy takes us inside the world of the international call center, where cultural cross-wires come together with perfect pathos, hilarity, and spice."

Published together for the first time are three of Ayn Rand's most compelling stage plays. The courtroom drama Night of January 16th, famous for its open-ended verdict, is presented here in its definitive text. Also included are two of Rand's unproduced plays, Think Twice, a clever philosophical murder mystery, and Ideal, a bitter indictment of people's willingness to betray their highest values-symbolized by a Hollywood goddess suspected of a crime. Exotically beautiful but desperately unhappy, Alba lives on a houseboat on the Thames, where she enjoys a life of leisure and entertains an endless and unfulfilling succession of lovers. But then she discovers a portrait of her dead mother, Valentina -- a woman she'd hardly known, whose story has been kept from her by her still grieving father. Determined to learn the The Baby Whisperer Solves All Your Problems: By Teaching You Have to Ask the Right Questions download ebook truth about Valentina, Alba returns to the olive groves of the Amalfi coast of Italy. There she uncovers a mysterious tale of decadence, deception, murder, and betrayal involving partisans and Nazis, peasants and counts. Alba's journey leads her not only to the truth of her mother's hidden past but to the possibility of happiness in her own future.

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Fred Halliday: The Middle East in International Relations: Power, Politics and Ideology

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The international relations of the Middle East have long been dominated by uncertainty and conflict. External intervention, interstate war, political upheaval and interethnic violence are compounded by the vagaries of oil prices and the claims of military, nationalist and religious movements. The purpose of this book is to set this region and its conflicts in context, providing on the one hand a historical introduction to its character and problems, and on the other a reasoned analysis of its politics. In an engagement with both the study of the Middle East and the theoretical analysis of international relations, the author, who is one of the best known and most authoritative scholars writing on the region today, offers a compelling and original interpretation. Written in a clear, accessible and interactive style, the book is designed for students, policymakers, and the general reader.

It is the summer of 1942, and after two difficult years, Tom Tyler is making a fresh start in Ludlow, Shropshire. On the outskirts of town, St. Anne's Convalescent Hospital, staffed by nursing sisters who are also Anglican nuns, has been established in an old manor house to help victims of the war. But their peace is shattered when a horrifying double murder is discovered on the grounds. Tyler must discover how the crime was committed in such a secluded place, where many of the patients are unable to walk or see and most are deeply traumatized. When he begins to receive mysterious letters recounting terrible crimes, he realises that he is not only seeking a murderer, but that the horrors of the war are closing in on a place of refuge. Showcasing the creative power of one of the most outstanding English Metaphysical Poets, the Penguin Classics edition of John Donne's Selected Poems includes an introduction and notes by Ilona Bell. Regarded by many as the greatest of the Metaphysical poets, John Donne was also among the most intriguing figures of the Renaissance. A sensualist who composed erotic and playful love poetry in his youth, he was raised a Catholic but later became one of the most admired Protestant preachers of his The Middle East in International Relations: Power, Politics and Ideology download book time. The Selected Poems reflects this wide diversity, and includes his youthful Songs and Sonnets, epigrams, elegies, letters, satires, and the profoundly moving Divine Poems composed towards the end of his life. From joyful poems such as 'The Flea', which transforms the image of a louse into something marvellous, to the intimate and intense Holy Sonnets, Donne breathed new vigour into poetry by drawing lucid and often startling metaphors from the world in which he lived. His poems remain among the most passionate, profound and spiritual in the English language. Ilona Bell's introduction considers Donne's life, faith and influence.

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Inc. Barcharts: French Verbs: Reference Guide

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A summary of regular and irregular verbs.

From Janet Evanovich, #1""bestselling author of the Stephanie Plum novels, and Lee Goldberg, bestselling author and television writer for "Monk, "comes the first adventure in an electrifying new series featuring an FBI agent who always gets her man, and a fearless con artist who BZRK free download pdf lives for the chase. A new compilation of demanding brainteasers from the ever-popular archives of the Mail on Sunday. Super Sudoku ups the ante of the perennially popular game with a massive 16 3 x 4 grids in each puzzle. Challenge, frustrate and hone your grey matter whether at home, on your daily commute, or whiling away any spare minutes throughout the day. Highly acclaimed by leading parenting authors, academics and activists, In September 1838 a storm blows up on the Indian Ocean and the Ibis, a ship carrying a consignment of convicts and indentured laborers from Calcutta to Mauritius, is caught up in the whirlwind. When the seas settle, five men have disappeared - two lascars, two convicts and one of the passengers. Did the same storm upend the fortunes of those aboard the Anahita, an opium carrier heading towards Canton? And what fate befell those aboard the Redruth, a sturdy two-masted brig heading East out of Cornwall? Was it the storm that altered their course or were the destinies of these passengers at the mercy of even more powerful forces? On the grand scale of an historical epic, River of Smoke follows its storm-tossed characters to the crowded harbors of China. There, despite efforts of the emperor to stop them, ships from Europe and India exchange their cargoes of opium for boxes of tea, silk, porcelain and silver. Among them are Bahram Modi, a wealthy Parsi opium merchant out of Bombay, his estranged half-Chinese son Ah Fatt, the orphaned Paulette and a motley collection of others whose pursuit of romance, riches and a legendary rare flower have thrown together.

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Jocelyn Davies: A Beautiful Dark

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On the night of Skye's seventeenth birthday, she meets two enigmatic strangers whose sudden appearance sends her life into a tailspin. Complete opposites, Asher is dark and wild, while Devin is fair and aloof. Skye has no idea what they want or why they seem to follow her every move-only that their presence coincides with a flurry of strange events. Soon she begins to doubt not just the identity of the two boys, but also the truth about her own past. Then, in the dead of a bitingly cold Colorado winter, Skye discovers an impossible secret that threatens to shatter her world. Torn between Asher, who she can't help falling for, and Devin, who she can't stay away from, the consequences of Skye's choice will reach further than the three of them could ever imagine.

The fourth edition of Basic Economics is both expanded and updated. A new chapter on the history of economics itself has been added, and the implications of that history examined. A new section on the special role A Beautiful Dark pdf of corporations in the economy has been added to the chapter on government and big business, among other additions throughout the book. Basic Economics, which has now been translated into six languages, has grown so much that a large amount of material in the back of the book in previous editions has now been put online instead, so the book itself and its price will not have to expand. The central idea of Basic Economics, however, remains the same: that the fundamental facts and principles of economics do not require jargon, graphs, or equations, and can be learned in a relaxed and even enjoyable way.

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Patricia MacLachlan,Stephanie Graegin: You Were the First

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One day there may be a second - Or a third - To sleep in the basket with the yellow ribbon wound round But you will always be the first. This sweetly sentimental picture book helps parents remind firstborn children that they will always be cherished (even if, and when, a new baby arrives). That child will always have been the first to crawl, the first to sing, the first to light up mom and dad's eyes with wonder and joy. Children love to hear stories about what they were like when they were born but this is also a perfect answer when welcoming a new baby, offering older siblings tender reassurance that they will always be treasured. For families with only one child, the book celebrates why that one and only is so precious. Renowned author Patricia Maclachlan, who won a Newbery Medal for Sarah, Plain and Tall, weaves a beautiful story that is both comforting for children and sweetly reminiscent for parents and grandparents. Drawing inspiration from walks through her own neighborhood in Brooklyn, Stephanie Graegin offers illustrations that are refreshingly modern and timeless for families of all kinds.

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Seishi Kishimoto: O-Parts Hunter, Vol. 17

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R to L (Japanese Style). Swallowed by Nehema, the largest of all Demon Recipes, Jio and his friends make their perilous way through the various ruins and monuments they find inside. Meanwhile, Kirin comes face to face with his nemesis, his twin brother Kujaku, and the reason for the enmity between these siblings is revealed!

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Trungpa Tulku Chogyam Trungpa: Transcending Madness: The Experience of the Six Bardos

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The Tibetan word "bardo" is usually associated with life after death. Here, ChOgyam Trungpa discusses bardo in a very different sense: as the peak experience of any given moment. Our experience of the present moment is always colored by one of six psychological states: the god realm (bliss), the jealous god realm (jealousy and lust for entertainment), the human realm (passion and desire), the animal realm (ignorance), the hungry ghost realm (poverty and possessiveness), and the hell realm (aggression and hatred). In relating these realms to the six traditional Buddhist bardo experiences, Trungpa provides an insightful look at the "madness" of our familiar psychological patterns and shows how they present an opportunity to transmute daily experience into freedom.

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Thomas M. Reid: Insurrection

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The War of the Spider Queen spreads... A hand-picked team of the most capable drow adventurers begin a perilous journey through the treacherous Underdark, all the while surrounded by the chaos of war. Their path will take them through the very heart of darkness, and the Underdark will be shaken to its core. If the powerful dark elves falter, the world below is open for "Insurrection."

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Cinderella s Prince Charming is just perfect, but his mother is a royal pain. She makes the ugly stepsisters look friendly! With a little makeover magic, Cinderella is ready to turn the Mean Queen into the Nice Queen."

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