New from twenty-time USA Today bestseller Sarina Bowen! How to behave when the guy who broke your heart two thousand miles away turns up in your office: One: Don’t drop your lucky coffee cup in shock, even though it’s been ten years. Two: Don’t get defensive when he asks how you ended up working his family’s ski mountain… and why you kept it a secret. Three: Give him the worst room in the resort. He deserves it for suddenly waltzing back in like he owns the place. (Which he kind of does.) Four, five, six, seven, eight and nine: Do not kiss him in the hot tub. Ten: Try to keep your heart intact after you break all of your rules. Because Reed is leaving again. Hate can't turn back into love. And it’s a little too late…

Stephanie West loves her job as manager of a successful restaurant, but is treated appallingly by the self-obsessed owner and head chef. So, when an opportunity arises to buy him out, she jumps at it. Then her boyfriend Sean lands a huge contract with a software company in Arizona and wants her to go with him. Torn between Sean and her career, Stephanie struggles to come to terms with a tragedy in her past which has left her terrified of becoming dependent on any one. Will she come to realise where her happiness lies? And if she does, will it be too little, too late?

The current approach to resolving sovereign debt crises does not work: sovereign debt restructurings come too late and address too little. Though unresolved debt crises impose enormous costs on societies, many recent restructurings have not been deep enough to provide the conditions for economic recovery (as illustrated by the Greek debt restructuring of 2012). And if the debtor decides not to accept the terms demanded by the creditors, finalizing a restructuring can be slowed by legal challenges (as illustrated by the recent case of Argentina, deemed as "the trial of the century"). A fresh start for distressed debtors is a basic principle of a well-functioning market economy, yet there is no international bankruptcy framework for sovereign debts. While this problem is not new, the United Nations and the global community are now willing to do something about it. Providing guidance for those who intend to take up reform, this book assesses the relative merits of various debt-restructuring proposals, especially in relation to the main deficiencies of the current nonsystem. With contributions by leading academics and practitioners, Too Little, Too Late reflects the overwhelming consensus among specialists on the need to find workable solutions.

With a voice as disarmingly bold, funny, and unsentimental as its author, this is a thoroughly unconventional memoir that shatters the myth of the tragic disabled life.

Beware! Dangerous secrets lie between the pages of this book. OK, I warned you. But if you think I'll give anything away, or tell you that this is the sequel to my first literary endeavor, The Name of This Book is Secret, you're wrong. I'm not going to remind you of how we last left our heroes, Cass and Max-Ernest, as they awaited intiation into the mysterious Terces Society, or the ongoing fight against the evil Dr. L and Ms. Mauvais. I certainly won't be telling you about how the kids stumble upon the Museum of Magic, where they finally meet the amazing Pietro! Oh, blast! I've done it again. Well, at least I didn't tell you about the missing Sound Prism, the nefarious Lord Pharaoh, or the mysterious creature born in a bottle over 500 years ago, the key to the biggest secret of all. I really can't help myself, now can I? Let's face it - if you're reading this, it's too late.

The beloved bestselling collection of common sense wisdom from a celebrated psychologist and military veteran who proves it's never too late to move beyond the deepest of personal losses After service in Vietnam, as a surgeon for the 11th Armored Cavalry Regiment in 1968-69, at the height of the war, Dr. Gordon Livingston returned to the U.S. and began work as a psychiatrist. In that capacity, he has listened to people talk about their lives--what works, what doesn't, and the limitless ways (many of them self-inflicted) that people find to be unhappy. He is also a parent twice bereaved; in one thirteen-month period he lost his eldest son to suicide, his youngest to leukemia. Out of a lifetime of experience, Gordon Livingston has extracted thirty bedrock truths, including: We are what we do. Any relationship is under the control of the person who cares the least. The perfect is the enemy of the good. Only bad things happen quickly. Forgiveness is a form of letting go, but they are not the same thing. The statute of limitations has expired on most of our childhood traumas. Livingston illuminates these and twenty-four other truths in a series of carefully hewn, perfectly calibrated essays, many of which focus on our closest relationships and the things that we do to impede or, less frequently, enhance them. Again and again, these essays underscore that "we are what we do," and that while there may be no escaping who we are, we have the capacity to face loss, misfortune, and regret and to move beyond them--that it is not too late. Full of things we may know but have not articulated to ourselves, Too Soon Old, Too Late Smart offers solace, guidance, and hope to everyone ready to become the person they'd most like to be.

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.