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Elvira, una sencilla jubilada de banca, recoge de madrugada varios buzones tirados junto a un contenedor de basura. En el interior de uno de ellos encuentra una carta olvidada: devolverla a su destinatario no va a resultar tarea fácil. Más adelante, varias casualidades atraparán a la mujer en una historia peligrosa que se irá enredando hasta resultar imprevisible
THE NEW YORK TIMES BESTSELLER What would you do with one last year? Susan Spencer-Wendel was determined to laugh instead of cry. In June 2011, Susan Spencer-Wendel learned she had amyotrophic lateral sclerosis (ALS) - Lou Gehrig's disease - an irreversible condition that systematically destroys the nerves that power the muscles. She was 44-years-old, with three young children, and she had only one year of health remaining. She decided to live that year with joy. She left her job as a journalist and spent time with her family. She built a meeting place for friends in her backyard. And she took seven trips with the seven most important people in her life. As her health declined, Susan journeye...
History is dramatic—and the renowned, award-winning authors Christopher Collier and James Lincoln Collier demonstrate this in a compelling series aimed at young readers. Covering American history from the founding of Jamestown through present day, these volumes explore far beyond the dates and events of a historical chronicle to present a moving illumination of the ideas, opinions, attitudes and tribulations that led to the birth of this great nation. The Civil War: 1860–1865 examines the people and events involved in the bloody war that pitted the Northern states against those that seceded to form the Confederacy.
Enchanting collection of three favourite princess stories to captivate and delight children aged three and overChildren will love the re-tellings of three classic stories, Cinderella, Sleeping Beauty and Snow White'Boxed set of three illustrated, hardback books comes with a specially recorded audio CD of each charming tale to listen toEncourages imagination and helps to develop reading, speaking and istening skills
Based on detailed regulatory intervention data among German banks during 1994-2008, we test if supervisory measures affect the likelihood and the timing of bank recovery. Severe regulatory measures increase both the likelihood of recovery and its duration while weak measures are insignificant. With the benefit of hindsight, we exclude banks that eventually exit the market due to restructuring mergers. Our results remain intact, thus providing no evidence of "bad" bank selection for intervention purposes on the side of regulators. More transparent publication requirements of public incorporation that indicate more exposure to market discipline are barely or not at all significant. Increasing earnings and cleaning credit portfolios are consistently of importance to increase recovery likelihood, whereas earnings growth accelerates the timing of recovery. Macroeconomic conditions also matter for bank recovery. Hence, concerted micro- and macro-prudential policies are key to facilitate distressed bank recovery.
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