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RISK IS UNCERTAINTY AS TO LOSS... RISK IS OMNIPRESENT AND ALL PERVASIVE... INSURANCE PROTECTS AGAINST THE ECONOMIC LOSS CAUSED BY RISK This book provides an actionable approach to the functions of the insurance industry in an easy to use examination of pr …

Do you ever wonder what your parents do all day? Do they take naps like we do? Do they get to eat snacks? Do they have any fun at all? Well, one curious little boy wonders that very thing, and soon discovers that, even though many parts of his day are ver …

Nana adores gardening. It's not just one green thumb she has; she's got two! Gardening fills Nana's heart with joy and peace. That's why she loves to share her gardening magic with her sweet granddaughter, Leah. On their walks through Nana's beautiful gar …

On the eve of her family's move to a remote village in Alberta, Emma has a terrifying recurring nightmare. Though she is shaken, she chalks the dream up to nerves. After all, who wouldn't have reservations about living under the shadow of Turtle Mountain, …

When Bong Serrano learned that his older brother, Boying, had cancer, the notes he had jotted down about his childhood took on new meaning. Memories of his time with his family in the Philippines came rushing back. At the center of those memories were the …

Have you ever wanted to pick up a hot stranger at a club for a one-night stand or visit a peep show with a lover? Have you dealt with suspicious tan lines or double lives? Do you know how to create an enticing online profile on Tinder or know what "WAP" i …

What does a doctor do when he thinks his best is not good enough? Matthew Barrett, thirty-one years old and fresh out of residency, is drafted and sent to Vietnam as a combat surgeon in 1967 at the heightof the Vietnam War. Compassionate and sensitive to …

Founding a business is among the most difficult, lonely, and rewarding challenges a person will ever undertake. A founder can better manage their personal stress and significantly increase their chances of success if they develop effective governance prac …

Zochy loves to explore and learn new things, and today she's learning all about zinc oxide! Join her as she finds out how interesting and cool chemistry can be. Zinc oxide is everywhere, from the breakfast table to the farm, and Zochy can't wait to find a …

During the longest winter she's ever known, a lonely Willow begins to weep. Her heart is filled with frost, and she can't remember what it feels like to be loved. She cries out to the Wise Wind, who comforts her, reminding her: You are never alone. Soon, …

Charm and Dawn are soul sistas from the heart. They share everything and have the best adventures on their Spirit family farm. When their parents, Alexandra and Nathan, adopted them from birth-first Charm, then Dawn-the two girls were by each other's side …

17 Year old Panuk lives in Pangnirtung with his parents and extended family. Panuk's parents have passed down many Inuit traditions to their children and have also taught them survival skills, including how to hunt and fish. Panuk's father takes tourists …

Replete with romance, political intrigue, and history, The Furious Pharisee follows the development of Saul from a young student of the Torah and the Jewish religion to a vehement opposer of the disciples of Jesus. Al Dublanko draws on historical fact whi …

Facilitators exist wherever learning happens. Anyone who works in a community organization, a corporation, a government, or a healthcare environment can end up leading a workshop, running a course, or otherwise facilitating others' learning. Facilitators …

Even if you're not an oenophile, chances are you know that Ontario's wine industry produces some of Canada's best bottles. In just a few decades, the wines crafted in the province have begun to claim their rightful place on the world stage, thanks, in par …

What is it like to leave behind everything and everyone you've ever known amidst terror, trauma, and war, knowing you will never see them again? How must it feel to come to a strange, new land, and have to build a community from scratch? And what, finally …

- Are you looking for practical ways in which to improve your parenting practice and style? - Are you seeking an improved understanding of your child's needs and daily experiences? - Are you interested in developing a positive relationship with your child …

Based on the original kids' book, this colouring book is a creative way for you to enjoy the story of Memengwaa: The Monarch Butterfly. Colour the pages and express your very own artistic talents while learning about the monarch butterfly. Complete fun ac …

A delightful Christmas story for families. The Christmas Nisse presents a Danish Christmas tradition about the magical little Nisse. These mischievous creatures live at the North pole with Santa. On the last night of November, they roam through the cold t …

All seems peaceful and quiet in the Yangambi Forest, but not for Oni. She misses Tata, her father. "A little girl needs her father!" the spirit animals agree. So, they secretly watch over Oni as she embarks on a long journey that is colorful, spiritual, a …

Welcome to Africa-a diverse, beautiful, and vast continent rich in cultures, languages, great minds, wildlife, and more! Hear the music, taste the food, see the sights, and meet the people. This personable nonfiction journey beckons readers to explore Afr …

As Sue walks to school, she admires the blue sky. On the playground, she asks her friends one at a time, "Isn't the blue sky beautiful today?" Much to her surprise, each friend sees the sky as a different color, depending on where they are from. But some …

Through both good times and hard times, a child is always supported by the dedication and love of their parents. This support is shown in many ways, and one of the best ways is with a hug ... a great bear hug for two! This charming book brings to life the …

Patti Kimball learned about grief early in life. At the age of fourteen, her best friend Aprile died suddenly from a congenital heart condition. Aprile was a light in Patti's life and a pillar of her community; she was brave, kind, and sensitive to the ne …

i never had much but i had hope and i think that's what saved me Filled with heartbreak and healing, Hope Looks A Lot Like Me is a poignant poetry collection about finding love, losing love, and learning how to live after love. Inspired by stories and Nad …

During the longest winter she's ever known, a lonely Willow begins to weep. Her heart is filled with frost, and she can't remember what it feels like to be loved. She cries out to the Wise Wind, who comforts her, reminding her: You are never alone. Soon, …

Hartford the hedgehog was walking to town . . . Hartford sighed and he frowned, and he looked at the ground, for he was born missing spines on his head and his side- and even a patch on his back and behind! Hartford the Hedgehog wants to make new friends …

After graduating from flight college with a Commercial Pilot Licence in 1999, and with only $250 in his wallet, a suitcase, a typewriter, his flight bag and an abundance of grit, Gerard Mofet dove head first into the highly competitive world of aviation. …

Integrative Medicine for Depression A disease that has long plagued humankind, depression is debilitating. Despite the frequency with which they're prescribed, drugs alone don't always provide relief, and often have side effects that limit effectiveness. …

M�lazha (Child of a Whiteman) weaves three central tales together to tell the story of Richard I. Hardy, commonly known as Rick, against the backdrop of his ancestors. This is a story of survival and resilience. Rick's European ancestors started coming to …

When engineering students in Canada are soon to graduate, the solemn "Ritual of the Calling of an Engineer," penned by none other than Rudyard Kipling, charges them with their Obligation to high standards, humility, and ethics. Each budding engineer then …

Oh no! Little Rabbit is lost! One day while Little Rabbit is playing, he wanders far away from his parents and can't figure out how to get home again. At first, he's scared of the other animals in the forest, but with a little help from Bear, Wolf, Fox, a …

This can't be happening! Mike Triggs had spent most of his life in politics, primarily working for the Republican Party. In fact, he was considered a political golden boy until his career is forever tarnished. While managing a governor's re-election campa …

What can we learn from our incredible little monarch butterfly? The butterfly's migration from Canada to Mexico is long and time consuming-we can compare the journey to our life. Not only that, in Ojibwe culture the butterfly has a spirit-Memengwaa. Cast …

"It's hard to mosh when your hips hurt," Patrick Julian Hunter tells us in his wry and unflinching debut collection. These are the confessions, resolutions, exultations, and objections of an aging Gen-Xer. The poems in Raw Eggs vacillate between punk rock …

Meet Kai, the friendly fox! Kai's feelings run deep, and his magical tail changes colours to show how he is feeling. When Kai dives into his emotions, he learns to understand others, and enjoys a world full of adventure. His feelings are also a helpful wa …

Jack, the Scarecrow, believes he has to be scary because he's a scarecrow. Until one day he realizes that just because he is a scarecrow doesn't mean he has to act like one. Read about Jack as he makes a few unlikely friendships and realizes that being ki …

It's not fair! The sounds are misbehaving and the children have to work extra hard to get them to do what they're supposed to do. L's run away and turn into W's; the Shhhh sound pops up all over and won't stay where it should; some sounds get stuck in odd …

Daphne is a blind dog who has arrived at an animal rescue facility. People are kind to her there, but she is still nervous and on guard. Daphne can't see anything, but her ability to smell, hear, feel, and know helps her to understand the world around her …

Daphne is a blind dog who is bored because she doesn't know how to play with toys. She goes to a dog training school to learn to play and have fun. When she starts nose work classes, she is nervous and scared. Daphne doesn't understand the game of finding …

A young child spends a fun-filled day being taken care of by Nana while Mommy and Daddy are at work. The deep love between them is the common thread as they play together, read stories, and generally just enjoy each other's company, making the most of the …

I want you to be happy But it's okay if you're sad. I wish for your excitement. But you might just feel mad. Written in rhyming verse, this colourful and endearing picture book, with colouring pages at the back, is perfect for children and their caregiver …

Have you ever noticed that tiny voice in your mind bullying you, saying you aren't good enough, and leaving you feeling anxious or hopeless? It's possible to change this self-critical voice, but before starting, we first need to understand where it origin …

After the death of their British-born Grandma Gladys in 2021, siblings Claudia and Lance took a sudden interest in the Canadian fianc� Gladys lost during World War II, Wendell "Del" Pierce Drew, a member of the elite RAF Pathfinder Force with Bomber Comma …

A book that will shake the modern-day church to its core, The Red Mark on God's Forehead trumpets the call to Christians to return to the true roots of their faith-the worship of God as He commands in the Torah. In an engaging and thought-provoking manner …

Athena Brkovich believes in true love. Athena approaches adulthood like a paint-by-number - following the directions - but will her future become the masterpiece she dreams of? After high school, Athena quickly learns that nothing in life comes for free. …

It is the night of September 3, 1260, and the Sienese army is preparing for war. Vastly outnumbered by the superior forces of Florence, Siena faces certain defeat in the battle, an outcome that would destroy her prosperity and influence. Farinata degli Ub …

Fenn is a small brown bear who lives in a charming forest with all of his bear friends. One day, when Fenn is learning to roar, he discovers a shocking secret about himself-there's a blue patch on his fluffy brown fur! Not wanting to be different from all …

Gabriela is going into Grade 2 and everything will be brand new at her school. She is excited to learn, play, and also has a lesson plan for the day. Let's listen closely as we hear Gabriela say, "Are you ready to learn all about me and cerebral palsy tod …

Something is essential if it is of the utmost importance: basic, indispensable, necessary. This book is just that, essential. Negotiation, in simple terms, is the basic means of getting what you want from others. It is back and forth communication designe …

When a child starts life in the NICU (Neonatal Intensive Care Unit), they look so little, so vulnerable. But with mom and medical professionals close by, soon fewer and fewer machines are beeping away. Before long, mother and child get to go home and star …

This collection of free verse poetry unravels the delicate layers of the human experience. Arranged into three sections, the author takes you on a journey through her darkest times, the revelations that come when she finds the light and the understanding …

Weeks before a tight-knit unit of combat vets deploys to Eastern Europe as a show of force against Putin's invasion of Ukraine, an unimaginable tragedy befalls one of the soldiers and his family. Although familiar with death on the battlefield, the cold-b …

"High Performance Team Coaching (HPTC) is a fantastic resource and a 'must read' for all Team Leaders and Coaches. The authors demystify the concepts of creating and sustaining high performance teams and how to lead and coach them. Built upon solid resear …

A curious young girl who asks her grandmother to tell her a bedtime story about her M�tis ancestors goes on an adventure of a lifetime back in time. In her dream, she learns about M�tis traditions, the Michif language, accompanies her great-great grandfat …

"Fehr reflects on cesarean deliveries and counsels those facing the procedure on what to expect and how to recover in this nonfiction work. Fehr explains the reasons for cesarean deliveries and discusses the thoughts and feelings that often emerge after t …

Did you know that bad thoughts are stickier than good ones? It's true! Our brains see them more and remember them longer. In Sticky Brains, Aria learns that it's not her fault when she gets stuck on the bad stuff; sometimes her brain shows her only part o …

Henry's ninth birthday is over already, and he can't help but miss all of the fun of his party. But as Henry grapples with his sadness, he notices something outside his window . . . a small bird flits in place on the ground. Something doesn't seem right, …

Strange things happen in Ballybeg when three distant cousins come together as the summer solstice approaches. In the spring of 2016, newly retired Kara leaves her home in Canada on a genealogical quest to rediscover her grandfather's ancestral village on …

Scripts, quips, quotes, and soul grown feel-osophies make up the full course spread of FEAST: The Second Serving's succinct and deeply relatable musings. This earnest and intimate collection explores life, love, addiction, and the human condition with hum …

What can we do to cope with losing someone, whether through death or heartbreak? Where can we draw on inspiration or comfort when we're at our lowest? How can we express ourselves in moments of difficulty? And what can we do to pay our privileges and bles …

This book is intended to be a Bible study guide to help people learn about Bible verses. You can carry it in your purse or bag. It will reach all ages, and anyone who reads the Bible will enjoy it. Readers can find faith, peace, hope, assurance, love, lif …

Oogey the Bear has a heart full of love! His life is wonderful, and usually he's really happy. But one morning, he wakes up and realizes that something is missing. Something important! A simple gesture that he knows will completely change his day. The Mis …

Henry's ninth birthday is over already, and he can't help but miss all of the fun of his party. But as Henry grapples with his sadness, he notices something outside his window . . . a small bird flits in place on the ground. Something doesn't seem right, …

Loonie and Toonie each want a new bike, but they don't have enough money. Good thing Cashman and Supersaver are here! Supersaver likes to save her money up, while Cashman chooses to spend his. Can Loonie and Toonie earn enough for new bikes with the help …

Like the mythic cities of Gotham or Gomorrah, London, Ontario was for many years an unrivalled breeding ground of depravity and villainy, the difference being that its monsters were all too real. In its coming to inherit the unwanted distinction of being …

NO SAFE HOUSE is set on the south coast of British Columbia. Kathleen (Kot) Cafferty is an optimist and a dedicated professional who is rather fond of control - until she is suddenly swept into the RCMP's Witness Protection Program with only her dog, Medl …

What's it like inside of your mind? How would or could you possibly describe it? In A Dreary and Glorious Snapshot, author Jason Gropp takes on the Herculean task of using words to recreate his ever-so-busy mind on paper so that you, his reader, can share …

Why is so much of our existence so ordinary? Why this immense tract of stuff in our lives that seems to have no lofty purpose? In ninety short devotional chapters, Mike Mason meditates on this question, concluding that in fact everydayness, to the extent …

Born in the UK and raised in the US, Terry Dance-Bennink found her way to Toronto as a university student in 1966. A sixties activist who never stopped, she became a peace advocate, civil rights campaigner, women's rights defender, union organizer, adult …

When Luci Hoffman's husband passed away after a protracted illness, she thought she was well prepared for the practical, everyday tasks and increased responsibilities she would face on her own. She quickly discovered that was far from the case. As Hoffman …

Every child is different. Sometimes, we need reminding of how beautiful that difference can be! We all need to show kindness and patience for everyone in our lives, especially children who learn differently. This sweet book, told in verse, is full of remi …

Recently widowed, Janice McKendry and her three children-teens Lucas and Danica, and ten-year-old Jordyn-have just moved into an old Victorian manor in the small Ontario town of Brookeford. Enchanted by all things historical, especially those with an intr …

A great romance and a life with horses form the lynchpins around which Imtiaz Fiona Griffiths' nostalgic memoir revolves. Coming along for the ride, we have guest appearances by dodgy bookmakers, fast racehorses, slow tortoises, gregarious Jesuits, and a …

During the longest winter she's ever known, a lonely Willow begins to weep. Her heart is filled with frost, and she can't remember what it feels like to be loved. She cries out to the Wise Wind, who comforts her, reminding her: You are never alone. Soon, …

In poems shot through with both wonder and woe, The Wilding celebrates the astonishing natural world and mourns the crises facing it. A clear-eyed, uncompromising, and cohesive first collection, it is a love letter and offering to the Earth, both prayer a …

This book is "a strong summary of world history and social evolution" (Timothy Earle, Emeritus Professor of Anthropology, Northwestern University, USA). Humanity was once divided into thousands of small nomadic groups, hardly knowing each other. Each live …

Though modern science and technology have given us comfort and security, for many people, something deeper is also needed; something that takes us closer to our evolutionary roots in nature. This book will allow the reader to experience, from the comfort …

In 1914, a young Ukrainian family faces an uncertain future. With growing political unrest in the region, they are forced to make a difficult decision between remaining in their beloved homeland or reaching for a better life across the cold Atlantic. In t …

There's a goldfinch at my feeder. It's yellow, black, and white. But suddenly, a nuthatch comes soaring in, and soon the finch takes flight. The goldfinch is the first bird that visits the bird feeder in the backyard. The robin, the blue jay, the hummingb …

Mamma has lost her voice. Can Bekah find it? When a parent is ill, it can be a frightening experience for a child. They may not understand why Mamma can't do the regular things that she usually does throughout the day or at bedtime. Sometimes children wil …

Meet Kai, the friendly fox! Kai's feelings run deep, and his magical tail changes colours to show how he is feeling. When Kai dives into his emotions, he learns to understand others, and enjoys a world full of adventure. His feelings are also a helpful wa …

Thomas is an aquarium toad of unknown parentage. He doesn't know his past and the prospects for his future are dim. While he's read extensively about faraway lands, Thomas has never ventured beyond the glass walls of home. But when happenstance leaves a d …

Grandma is coming! Ben and Thor have the perfect idea. They're going to bake pupcakes for her. The brothers learn important lessons through this fun activity, such as hand washing, oven safety, taking turns, and sharing. With step-by-step instructions, Be …

There has been no rest on any of the seven seas. Constant and sudden storms have destroyed the ships and scatter the fish into deeper waters. In the backwashed taverns of the port towns, sailors talk in hushed tones, blaming it all on one name: Davy Jones …

Charles Davis is ready to take the next step to move on in his life. It's been ten years since he woke up in a mental health ward and was consequently diagnosed with schizophrenia. This diagnosis led Charles down a path filled with inner and outer demons …

Once Second Prince of the mightiest kingdom in the known world, Othrun now leads the last survivors of his exiled people into an uncertain future far across the Shimmering Sea from their ancestral home, now lost beneath the waves. With his Single God bind …

Money isn't just for grown-ups! Dive into Money Tips for Kids and discover the world of finance from a kid's perspective. Alex Kulakov, a savvy 12-year-old, uses his real-world experiences-from running lemonade stands to launching a t-shirt business-to gu …

BETHANY MACDONALD HAS TRAINED SIX LONG YEARS FOR THIS MOMENT. SHE'LL TRY TO SOLVE FIVE QUESTIONS IN THREE HOURS, FOR ONE IMPROBABLE DREAM. THE DREAM OF REPRESENTING HER COUNTRY, AND BECOMING A MATH OLYMPIAN. As a small-town girl in Nova Scotia bullied for …

Have the young people in your life ever left you inspired with their ability to look at our world in wonder? Have you ever been left speechless, not sure of the correct answer? Have the littles in your life ever looked up at you for strength? Confidence? …

Based on true events, The Little Creek that Could tells a remarkable and inspiring story of how a severely damaged stream was brought back to life. A young teacher, whose love for rivers goes back to his childhood, sadly finds that a stream close to his n …

Chippy is a young chipmunk who loves spending time with his family. His relatives have many different occupations and interests. Chippy enjoys seeing how they help others. It is amazing how they all got involved in so many ways, from teaching music and ar …

Extreme athlete Don Schwartz has achieved, overcome, and somehow survived the impossible...repeatedly. A pioneer in the snowboarding world, Schwartz was horrifically burned in a tragic helicopter crash at the age of twenty which left him permanently disfi …

Gooseberries Have Thorns chronicles everyday experiences, relationships, and major events in the lives of Maggie's ancestors in the eighteenth and nineteenth centuries. The narrative focuses primarily on Maggie and how she navigates various circumstances …

Ollie's granny tells him if he uses his five cents wisely, he will be very, very happy. Ollie wants to be happy, and his granny is very smart, so he makes a plan. He takes his five cents to Mr. Rubin's candy store and buys five candies for one cent each. …

Even if you're not an oenophile, chances are you know that Ontario's wine industry produces some of Canada's best bottles. In just a few decades, the wines crafted in the province have begun to claim their rightful place on the world stage, thanks, in par …

"When Brian told me of his affair, my whole world was shattered. Since the affair, and since the difficult recovery period, I have excelled in amazing ways in every area of my life. I look and feel better than I did when I was in my twenties. I have more …

In Kohkum's kitchen the family is large, the stove is warm, and the stew is oh so good. But just what makes this special stew so delicious? Is it Kohkum's recipes and knowledge, or Mushum's traditionally hunted moose meat? The grandchildren all think that …

Immerse yourself once again in the wonderful world of The Eastside Warren with Sunny, Arty, Marcus One-Ear, Samuel Strongtooth and more. The Eastside Warren is a fairly typical warren, except for one thing...the hares live right in the heart of a Small-Ea …

When Walter the Whistler Bear is tempted down the mountain in search of a snack, he hops into a garbage truck where he gobbles up a feast, falls asleep, and accidentally arrives in Vancouver. As Walter wanders through Stanley Park, he soon discovers that …