An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.

As this brilliant tale unfolds, a fight-to-the-death to preserve a wealthy English family's prestige begins. Untold secrets suddenly threaten the stability of one mother's existence and change life as she and her son know it. Will the court decide in favor of the unusual young woman raised in South Carolina-or will she be found to be a fraud and thus unworthy of the life she claims is rightfully hers? A mystery as dramatic and thrilling as the best of today's legal thrillers, The Caverel Claim by Peter Rawlinson will leave you breathless.

Falling for the wrong twin never felt so right in the first installment of Texas Cattleman’s Club: Ranchers and Rivals by USA TODAY bestselling author Janice Maynard. It’s a Lone Star matchmaking twin swap! As a favor to his identical twin, Joshua Banks agrees to pose as his brother. The switch is supposed to last for just one “date” with Layla Grandin, their childhood friend. But dinner soon leads to much, much more. Trust is everything to Layla—she’s been burned before and secrets are destroying her ranching family. If Joshua stands any chance of staking a claim on relationship-wary Layla, the Texan has to confess so much more than his true identity. And risk losing more than he ever imagined… From Harlequin Desire: A luxurious world of bold encounters and sizzling chemistry. Love triumphs in this uplifting romance, part of the Texas Cattleman's Club: Ranchers and Rivals series: Book 1: Staking a Claim by Janice Maynard Book 2: Boyfriend Lessons by Sophia Singh Sasson Book 3: On Opposite Sides by Cat Schield Book 4: Rivalry at Play by Nadine Gonzalez

The revised edition of the bestselling textbook, covering both classical and molecular plant breeding Principles of Plant Genetics and Breeding integrates theory and practice to provide an insightful examination of the fundamental principles and advanced techniques of modern plant breeding. Combining both classical and molecular tools, this comprehensive textbook describes the multidisciplinary strategies used to produce new varieties of crops and plants, particularly in response to the increasing demands to of growing populations. Illustrated chapters cover a wide range of topics, including plant reproductive systems, germplasm for breeding, molecular breeding, the common objectives of plant breeders, marketing and societal issues, and more. Now in its third edition, this essential textbook contains extensively revised content that reflects recent advances and current practices. Substantial updates have been made to its molecular genetics and breeding sections, including discussions of new breeding techniques such as zinc finger nuclease, oligonucleotide directed mutagenesis, RNA-dependent DNA methylation, reverse breeding, genome editing, and others. A new table enables efficient comparison of an expanded list of molecular markers, including Allozyme, RFLPs, RAPD, SSR, ISSR, DAMD, AFLP, SNPs and ESTs. Also, new and updated “Industry Highlights” sections provide examples of the practical application of plant breeding methods to real-world problems. This new edition: Organizes topics to reflect the stages of an actual breeding project Incorporates the most recent technologies in the field, such as CRSPR genome edition and grafting on GM stock Includes numerous illustrations and end-of-chapter self-assessment questions, key references, suggested readings, and links to relevant websites Features a companion website containing additional artwork and instructor resources Principles of Plant Genetics and Breeding offers researchers and professionals an invaluable resource and remains the ideal textbook for advanced undergraduates and graduates in plant science, particularly those studying plant breeding, biotechnology, and genetics.

“Please let me see him!” When Cesar Montero is taken to the hospital after a car crash, Sorcha, his personal secretary, isn’t allowed to see him on the grounds that she is not a relative. Sorcha has long had feelings for Cesar, but right after they spent the night together, they were met with misfortune. On top of that, Cesar’s fiancée shows up and tries to pay her off, an apology to his “one last fling.” Sorcha despairs that their night of passion was just that, a fling that meant nothing to Cesar… She vows to start over, far away, never to see him again!

Do you only care for... the baby I'm carrying? Emmy had lost all her confidence as a woman because her fiance left her right before the wedding and decided to visit a resort island. There she meets a handsome man, Marco, who looks at her with an intense gaze that makes her heart flutter. Wanting to forget the painful reality and heal her heartaches, Emmy spends the week with him like lovers, and they share a passionate night. Emmy finds herself avle to live on with the memories of this wonderful time. Five months later, Marco appears in front of her as the CEO of a client company. He turned out to be a millionaire from New York! Should she tell him? That she is pregnant with his child...

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