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A second Grave
Craig Beaumont has a charmed life until it is taken from him in a drive by shooting. Sick with grief he embarks on a plot of revenge against the man who killed his family, and everyone else in the California prison system. As the number of dead prisoners rise, the FBI and Homeland Security are called in. It is soon apparent that someone on the law enforcement team is feeding information to a local militia which may be involved. Everything comes to a confrontation when the FBI raids the militia compound. How far would you go to get revenge? As far as Craig Beaumont?
Lone Wolf
An agent with the FBI’s elite K-9 unit works with her loyal search-and-rescue Labrador to sniff out a terrorist in this “tense and exciting” thriller (Leo J. Maloney, author of Arch Enemy). FBI Agent Megan Jennings and her canine partner Hawk are an effective team. With his highly trained sense of smell, Hawk can locate bodies anywhere—living or dead. When a bomb rips apart a government building in Washington D.C., they get to work saving the survivors buried beneath the rubble. But even as the duo are hailed as heroes, a bomber remains at large. As more bombs are detonated and the body count soars, Meg and Hawk attempt to find the pattern to a madman’s reign of terror. Soon the desperate manhunt leads them into the wilderness of West Virginia, where the lone wolf can turn the hunters into the hunted.
Under Pressure
FBI handler Meg Jennings and her K-9 partner, Hawk, are drawn into a case that involves a fortune in uncut gems, and an enemy whose power and ruthlessness know no bounds . . . Diamonds are no one’s best friend when the jewels in question are smuggled conflict gems. Meg Jennings and her Labrador, Hawk, have undertaken many search-and-rescue missions, but this case has an unusual twist. A Philadelphia syndicate is importing diamonds from war-torn African nations and selling them with fake certificates to Stateside dealers. Agent Finn Pierce of the Organized Crime Program is embedded with the syndicate, but being caught with a wire or tracking device would mean instant execution. If Meg, her partner Brian Foster, and their dogs can track Pierce to a deal location, they can break the smuggling chain while maintaining Pierce’s cover. With the syndicate monitoring every move, it’s a risky operation with more players than Meg and Brian first assumed—on both sides of the law. And when one of their own gets caught in the line of fire, the team embarks on a desperate rescue mission, knowing that mere seconds are all that separate life and death . . .
No Man's Land
Special Agent Meg Jennings and her search-and-rescue dog are on the trail of a killer hiding where others fear to tread . . . For Meg Jennings and her K-9 companion, Hawk, exploring the ruins of a deserted building is an exciting way to sharpen their skills without the life-or-death stakes they face as part of the FBI’s Human Scent Evidence Team. But deep in the echoing rooms of an abandoned asylum, Hawk finds the body of an elderly woman. The victim couldn’t have made her way into the derelict building on her own. Before forty-eight hours pass, Meg learns of three more cases of elders found dead in neglected urban structures. There’s not enough evidence to link the deaths—yet. But Meg scents a pattern, and when she gets word of another senior gone missing, she and Hawk don’t hesitate. Meg is sure a murderer is hunting the eldery, and she can prove it if she can just find a connection. It will take the expert coordination of her whole team, along with help from Clay McCord and Todd Webb, to uncover the means, let alone a motive. And to stop someone who has operated in the dark for so long, Meg will need to risk more than she has to give . . .
It’s Not All Fiscal
We attempt to disentangle income and wealth effects on consumption by disaggregating both the different types of income and wealth. We estimate a consumption function for a panel of quarterly data for 14 advanced economies spanning 1998 to 2012, using an error correction specification. We find a significant long-term relation between consumption and the different components of income and wealth. While fiscal policy had direct effects on consumption, the analysis suggests that wealth effects were sizeable, and therefore need to be kept in mind when analyzing consumption trends going forward.
Still Waters
A training session in the Minnesota wilderness becomes a fight for survival for FBI handler Meg Jennings and her K-9 partner . . . Keeping their search-and-rescue skills honed isn’t just a job requirement for FBI Special Agent Meg Jennings and her Labrador, Hawk—it’s essential to saving lives. A water search training weekend in the Boundary Waters area of Minnesota has attracted participants from all levels of law enforcement, each vying to win. The races are challenging, the rivalry is intense, and Meg is already under pressure when Hawk alerts to a scent in the water—and discovers the fresh body of one of Meg’s fellow competitors. The contest is called off, but Meg’s still feeling the heat. The victim had made an unfounded complaint about her, one that could cost Meg her job and see Hawk removed from her care. The field of suspects is daunting, and all of them are experts in throwing others off the trail. And though Meg’s team flies out to Minnesota to help uncover the truth, they’re on unfamiliar territory, pitted against a killer with the skills, and the motivation, to stay hidden in plain sight . . .
Tourism
Incorporating HC 983-i, session 2006-07
Amortization Requirements May Increase Household Debt
Debt amortization requirements have been suggested as a way to reduce household indebtedness. However, a closer look reveals that amortization requirements may create incentives for both borrowers and lenders to borrow and lend more rather than less. Suppose that a household plans to finance a given housing purchase through a preferred future mortgage path. If that mortgage path violates a new amortization requirement, the household can still achieve its preferred mortgage path, net after savings, by initially borrowing more, investing the excess borrowing in a savings account, and fulfilling the amortization requirement by withdrawals from the savings account over time. This is obvious, if ...
Aspects of Fiscal Performance in Some Transition Economies Under Fund-Supported Programs
Key medium– and longer–term fiscal issues faced by transition economies are reviewed, including government solvency and the sustainability of the fiscal–financial–monetary program. The paper aims to assist the design and implementation of future Fund programs and to contribute to the debate about fiscal policy in transition economies. After presenting a framework for evaluating the sustainability of the fiscal–financial–monetary program of the state, some numerical material is presented on public debt, (quasi–) fiscal deficits and monetary financing. Eight budgetary issues of special relevance to transition economies are considered next. The lessons from this study are summarized in a number of propositions.
How Effective is Macroprudential Policy? Evidence from Lending Restriction Measures in EU Countries
This paper assesses the effectiveness of lending restriction measures, such as loan-to-value and debt-service-to-income ratios, in affecting developments in house prices and credit. We use data on 99 lending standard restrictions implemented in 28 EU countries over 1990–2018. The results suggest that lending restriction measures are generally effective in curbing house prices and credit. However, the impact is delayed and reaches its peak only after three years. In addition, the impact is asymmetric, with tightening measures having weaker association with target variables compared to loosening measures. The association is stronger in countries outside of euro area and for legally-binding measures and measures involving sanctions. The results have practical implications for macroprudential authorities.
