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For decades, the global economy relied on a quiet set of assumptions: stable climate conditions, cheap capital, predictable demographics, and incremental change.

Those assumptions no longer hold.

Today, climate risk, rising interest rates, aging infrastructure, and shifting demographics are colliding inside commercial real estate and the banking system. Insurance markets are retreating. Commercial loans are resetting at valuations that no longer work. Financial institutions are managing systemic risk with frameworks built for a calmer era.

These pressures are not isolated. They are compounding.

The Storm examines how climate change, commercial real estate exposure, distressed debt, and financial market cycles are converging into a single structural event - one hiding in plain sight.

Drawing on decades in mortgage portfolios, asset management, and loss mitigation, Bill Bymel analyzes how banks, insurers, and investors can adapt before instability becomes crisis.

This book is not meant for panic, but rather for preparation.

Inside, you'll explore:

• The dismantling of post-2008 banking safeguards
• The impact of climate volatility on insurance and real estate markets
• The risks embedded in commercial loan portfolios
• Why traditional financial models no longer reflect today's systemic risk
• Practical strategies for resilient asset management and proactive loss mitigation

Storms expose weak structures and reward discipline.

The Storm is already here.

Whether it becomes a financial catastrophe or a catalyst for resilience depends on what leaders choose to acknowledge and how they respond.

Is your organization truly worthy?

Every Christian nonprofit leader dreams of receiving transformational gifts. But as Jim, Koen, and the Chrysalis team discover, these gifts don't come simply because of mission statements or good intentions. They are entrusted only to organizations and leaders who embody true worthiness-those who build deep relationships, inspire donor confidence, and honor every gift with faithful stewardship.

Through story and lived experience, Bryan guides us along the worthiness continuum. We see that it isn't enough for donors to believe in a vision; they must be convinced of the worthiness of the people who carry it forward. As Chrysalis pursues this journey, Jim learns to cultivate donor trust, create a culture of stewardship, and prepare the organization to handle gifts with integrity.

But the greatest revelation comes when Jim and Koen realize that organizational worthiness alone is not enough. The true key to unlocking lasting donor partnerships is personal transformation-the kind that shapes leaders into trusted guides who treat the donor as the hero of the story.

Will the team at Chrysalis rise to the challenge? Can they embrace the deeper call to personal and organizational worthiness that turns financial partners into lifelong champions? Their journey just might inspire your own.

Are you looking to reach your greatest potential at work?
Do you want to fast-track your career, make more money, or get promoted?
Do you wish you could take more pride in your accomplishments?

If so, it's time to KICK ASS AT WORK!


KICK ASS AT WORK is a collection of critical on-the-job lessons designed to help you master the seven aspects of work and accelerate your career success. It will teach you how to take pride in your work, earn the income you desire, achieve the advancement you seek, reach your full potential, and create the career of your dreams.

Packed with insight and humor-on everything from "Making a big win early on" to "Keeping the bitch switch off"-these forty business lessons provide you with clear strategies and actionable steps to take control of your career, perform better at your job, and enjoy your work more.

Whether you're entering the workforce, starting in a new role, or working towards a promotion, KICK ASS AT WORK will help you unlock your full potential and build a successful career!

Are you ready to kick ass at work?

Let's go!

You Are Not Alone

If you've ever felt unseen, exhausted, or overwhelmed as a caregiver, this book is for you.

Voices of Care: Real Stories to Inspire, Uplift, and Unite Caregivers is a moving collection of personal stories written by those who've lived the caregiving journey, especially those supporting loved ones with Alzheimer's, dementia, or chronic illness. From long nights filled with worry to quiet moments of connection and unexpected strength, these pages reveal the real, raw, and resilient voices of caregiving.

Each story is a reminder that you are not walking this path alone.

Through laughter, tears, and truth, these honest accounts offer comfort, courage, and community to anyone who has faced the emotional toll of caring for another.

Whether you're in the midst of caregiving or reflecting on your experience, this book offers validation, support, and hope. Because while caregiving may test your limits, it can also reveal your deepest

Contributing Authors:

Albert Bowers, Irie Clarke, Marilu Findley, Karen Emi Fujii, Habaka KFJ, Ann Hamer, Denise Nussbaum, Claudia Micco, Linda Becker Packman, Belia Paul, Carl Powell, Jill Roth, Phyllis Taylor, Mara Hoskin Wright.

"The HR Answer Book addresses 200 questions that every employer needs to deal with, from recruiting and hiring to discipline and termination, compensation and benefits to training and employee relations. Accessible and concise, this on-the-job companion offers expert guidance on all types of ""people"" issues, enabling managers and human resources professionals to:

* Save time, money, and trouble

* Increase employee productivity, satisfaction, and retention

* Attract and hire the best candidates while avoiding the inferior ones*

* Handle tough issues like sexual harassment, Internet and e-mail usage, performance problems, and more -- fairly, sensitively, and legally.

The HR Answer Book is an easy-to-use problem solver that can be read cover-to-cover or as a quick reference in specific situations. An appendix of tools, templates, and lists of additional resources completes this excellent and valuable guide."

At Penn State University, Molly Countermine's HDFS 129 course, Introduction to Human Development and Family Studies, has been beloved by thousands of students for over two decades. Being Human is essentially a compilation of the information she teaches in that class. Molly's charm is evident in the pages of this book, with personal anecdotes and tips for real-world application. Whether you're interested in learning more about human development, looking for a primer to navigate parenting and relationships, or just want to learn a little bit about what makes you the way you are, Being Human is an excellent place to start.

He's trying to outrun his past...

Penn Matthews is living beyond his wildest dreams. He's made it to the NHL, shares a swanky loft with his teammates, and best of all, he's able to support his little sister. Life is good, and his rocky past is finally behind him.

Until Hazel Palmer shows up at his door.

His downstairs neighbor is as feisty as she is gorgeous, and the type of woman he'd be very interested in-if he hadn't sworn off falling in love years ago. But when Penn finds out Hazel just got her heart broken by his longtime rival, he steps in to help.

...She wants revenge on her cheating ex

Hazel should be writing her dissertation, but it's hard to focus while dealing with betrayal, a breakup, and the constant distractions from her rowdy upstairs neighbor.

At first, she's convinced the tattooed hockey player in 3B is just another idiot playboy, but when Penn comes to her defense one night, the feuding neighbors realize they share a common enemy-and decide to get payback.

The plan is simple: Fake date to make her ex jealous, and get the jerk out of both their lives for good.

But when fake kisses turn into real connection and Penn's past threatens to catch up to him, what started out as sweet revenge soon escalates into risking everything...

Exceptional ball control. Vision. Unmatched ability to score impossible goals. Lionel Messi is an undisputed all-time great of world soccer. The all-time top goal scorer for Spanish giant Barcelona, Messi has won a record eight Ballon d'Or awards and set too many soccer records to name. Messi engineered and captained Argentina's victories in the 2021 Copa América and the 2022 FIFA World Cup. This action-packed, photo-driven biography, geared toward early high school readers, kicks up interest in the extraordinary career of the man who may well live through history as the 21st century's most dominant player.

Local governments across the country are facing a quiet but mounting challenge. Expectations continue to grow while revenues fluctuate, infrastructure ages, and deferred obligations accumulate. Leaders are asked to deliver more for their communities even as the fiscal realities beneath the surface become harder to ignore.

The Bison Principle is a call to lead with clarity, discipline, and courage.

Drawing on more than 20 years of field leadership and nearly two decades consulting with cities, counties, and special districts nationwide, Jamie Sabbach offers a candid and practical framework for confronting hard truths and making disciplined choices about public resources.

Written through the lens of parks and recreation-one of the most visible and widely valued services local governments provide-the book explores how quality-of-life services reveal deeper truths about leadership, priorities, and long-term responsibility.

Guided by the metaphor of bison running into the storm, fiscal responsibility is framed as an act of care and one that protects today's communities while strengthening tomorrow's.

Blending narrative, research, field experience, and strategic insight, The Bison Principle helps readers:

- Build shared clarity around purpose and priorities

- Apply the math that reveals what is sustainable and what is not

- Make transparent trade-offs rather than avoid them

- Strengthen trust through consistency and discipline

- Act decisively when the right decision is also the hardest one

This is not a book about doing more with less.

It is about doing what matters honestly, intentionally, and intelligently.

Whether you serve as a parks and recreation professional, city manager, elected official, consultant, board member, or engaged resident, The Bison Principle offers a path toward stronger decisions and communities that endure.

In the hands of author Elizabeth H. Cottrell, the handwritten note is set free from old-fashioned irrelevance to become a superpower tool for connecting and nourishing your personal and professional relationships. Heartspoken: How to Write Notes that Connect, Comfort, Encourage, and Inspire will guide you to uncovering your own unique note-writing "voice" and style...and give you the confidence to use it. Consider the flipping of a light switch. You can't see the electricity. You may not even understand how it works. But when power starts flowing through the open wire, it is nothing short of miraculous. She will show you how to find and flip that switch in your own note-writing. Grasp this beautiful process, and your writing will become alive, meaningful, and impactful in ways you never thought possible.

Build the Culture That Drives Elite Performance

"Jon Becker is a national treasure." -John Dowd, Former Navy SEAL, Founder of Forge SOFware

Why do some teams perform at an elite level while others-given the same resources, training, and talent-struggle?

The answer isn't strategy, talent, or technology. It's culture.

Culture is your organization's operating system. It determines how decisions get made, how people treat each other, and whether your best performers stay or leave. Get it right and everything else gets easier.

"Culture isn't a slogan-it's the operating system that drives standards, decisions, trust, and accountability under pressure." -Rich Diviney, Retired Navy SEAL Commander, Bestselling Author

What Elite Teams Know That Most Organizations Don't

For four decades, Jon Becker has had unusual access to organizations that cannot afford to fail-where the cost of poor leadership is measured in lives, not quarterly earnings.

What he discovered: the principles that build elite performance are universal.

Whether you run a SWAT team, a tech startup, a sales organization, or a sports program, the fundamentals are identical.

"Jon offers the lessons articulated herein with a rare level of credibility that makes Culture First an enduring work." -Brian Driscoll, Former Acting FBI Director

Nine Practices Any Leader Can Implement

• Build culture intentionally - because the default is dysfunction
• Develop selfless leaders - who place mission and team above ego
• Select the right people - protect culture through rigorous standards
• Embrace strong people - who challenge assumptions
• Enforce high standards - what you tolerate becomes your standard
• Collaborate deliberately - harvest the best thinking regardless of title
• Build a decision machine - push authority to where information lives
• Improve continuously - build systems that sustain excellence
• Take risks and embrace failure - learn without excuses

"Want your business to succeed? Build a great culture. In this book Jon Becker shows you how." -Pete Blaber, Former Delta Force Commander

Practical Tools, Not Theory

Each chapter delivers real stories, clear explanations, and "How to Start" sections with actions you can implement Monday morning.

"Jon is extraordinarily credible on building a high-performing team-the reason we have him present to our entire team." -Lt. Lee McMillion, Commander, LAPD SWAT

Elite teams don't happen by accident. If you want to build an organization capable of performing at the highest level, culture must come first.

Here Comes Bella is a heartfelt picture book about love, loss, and the healing power of new friendship. Liam, a cheerful little boy, adores his Dachshund, Lola. They share endless days of fun and laughter-playing fetch, snuggling close, and sharing special moments. But when Lola grows old and passes away, Liam's world suddenly feels quiet and empty without his best friend. He misses her wagging tail, her gentle cuddles, and the warmth she brought to every day. Then, one afternoon, a tiny Chihuahua named Bella peeks through the fence, curious and full of life. At first, Liam isn't sure his heart is ready-but Bella's playful spirit begins to fill the empty spaces, showing him that love can return in new and unexpected ways.

Tender and reassuring, Here Comes Bella helps children navigate grief and change, leaving readers with a sense of comfort, hope, and the enduring nature of love.

'Right Before My Eyes: The Everett Family Legacy' by Betty Everett Rainge tells the story of a family shaped by love, faith, and dedication. Centered on her parents, Sam and Mary Everett, the memoir explores how their commitment and strong values guided the lives of their sixteen children. Their partnership and hard work on the family farm laid the foundation for lessons in responsibility, perseverance, and care that continued through the next generations.

Betty shares her early experiences growing up in Georgia, highlighting the balance of daily labor and family support. She emphasizes the role of education in creating opportunities, reflecting on her time in segregated schools and the teachers who encouraged her growth. As the family transitioned from rural life to the town, Betty illustrates how the principles her parents instilled remained a constant influence.

The narrative also follows Betty's relationship with Henry Rainge and the life they built together during his military service, showing how commitment, communication, and shared purpose strengthened their family. Throughout the book, themes of resilience, community, and family unity are present, showing how values endure over time.

'Right Before My Eyes' presents the story of the Everett family with honesty and warmth. It highlights the importance of love, hard work, and faith in shaping lives and emphasizes how family bonds can provide guidance and support for generations.

Back in high school, Rosie Clark was on the brink of a life-changing win at a prestigious nationwide floral competition. But one careless move by Broc Chase, her clumy yet undeniably charming horticulture classmate, sent her prized arrangement crashing to the ground - and with it, her dreams. To make matters worse, Broc walked away with the trophy, the scholarship, and the future that should have been Rosie's.

Years later, Rosie is still in her hometown of Spokane, determined to honor Miss Marigold's legacy by reviving the beloved plant shop left in her care - a local treasure with deep roots in the community. Just when she feels like she's found her footing, Broc reappears - not just as a celebrated celebrity florist, but as her new competition, opening a flower shop right next door. If that weren't enough, Rosie's abusive ex-boyfriend has resurfaced, stalking her and threatening the peace she's finally found.

Reluctantly, Rosie turns to Broc for support. As old rivalries reignite and buried emotions surface, Rosie must decide: can she let go of past grudges to embrace a new connection blossoming with the man she once vowed to hate?

Perfect for fans of enemies-to-lovers romance, She Loves Me, She Loves Me Not! is a heartfelt story about overcoming the past, finding strength in unexpected places, and discovering that love can bloom from even the smallest seed- if given the chance to grow.