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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 …

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 …

Follow a group of six children with disabilities who make the most out of every day. As the children paint, garden and blow bubbles, readers learn that valuable life skills, such as determination and patience, make life more meaningful for us all. This bo …

Life can be challenging at times, and unpredictable, with ups and downs and all sorts of things we can't control. It's like driving a car on a bumpy road. We can't wish the bumps away. We can't control who travels those roads with us, or make the sun shin …

Cynical about what you read and hear? Tired of the lies and misinformation? Who should you trust? Forty years ago, as Ted Griffith entered the business of communications, marketing, and public affairs-all aiming to persuade people to either change their m …

Struggling to provide for his ailing daughter following his wife's tragic demise, Daniel finds himself trapped in a relentless financial quagmire. With his credit in shambles and loans to support an unattainable luxury, his daughter's life-saving surgery …

Yuvi is a 10-year-old Indo-Canadian boy with a very special gift: he can talk to animals! Yuvi's gift gets him into all kinds of trouble, especially when his parents think he's bringing wild animals into the house. This spring is no different-poor Yuvi is …

How do we connect with one another? One curious Mushroom will find out. Mushroom spends a year growing in the forest and making friends with Snail, Deer, and the newest fir tree. With time comes change, confusion, and new experiences - and Mushroom learns …

It's spring of 1867, and Lucy Cavanagh-NYC heiress, literary lover, and dreamer-is taking the biggest risk of her life. She's left everything behind to journey west, in the hopes of reconnecting with the only person who can answer questions that have haun …

Here it is finally, Jack in Pemberland, the extraordinary story of the hidden city of 100,000 people in the Cayoosh Range in British Columbia. Follow Jack as he gets to know what makes the city tick. Discover how Pemberland provides housing at so low a co …

In the tumultuous world of high school, Emma grapples with a devastating breakup, a damning social media scandal that threatens her reputation, and an overwhelming sense of isolation. Her parents are distant, she has no true friends, and her despair deepe …

Athena Brkovich believes in true love. Born into a blue collar family in 1968, young Athena and her sisters are sent away when their mother is hospitalized and their father is unable to care for them. The beginnings of trauma, separation, denial and suffe …

What does it mean to follow your dreams in the face of adversity? Can we still hope to find ourselves after enduring abuse, and abandonment? Is it possible to let go of the past in order to move forward? In this unashamedly candid memoir, author and actor …

Declan's got a very busy day. But don't worry, he's got plenty of imagination to see him through. He's CatBoy when he's racing around his trucks. It's Trunky, the elephant, who picks up his bagel. And Monkey buckles up in the car to go on adventures with …

After growing up a happy and carefree child, Paul Mumford found himself totally unprepared for what began happening to him at age twenty-three. This is the compelling, true story of his unpredictable downward spiral into bipolar disorder and schizophrenia …

A centuries-old rebirth curse, an otherworldly Celtic prince, and an inescapable prophecy. Thirty-year-old magic Bearer Julia Harrison had never given the notion of past lives or grand destinies any real credence or thought. She has knowledge of magic, an …

How did Katelyn, a prairie girl, and Gus, a "gopher", become friends? Throughout the pages of this beautifully illustrated story, see a glimpse into the life of a Canadian prairie child. Learn about the Richardson Ground Squirrel. Search and find, on each …

"At no point do we educate women on what is truly happening with their bodies." For generations, women have been told by the medical establishment that low energy, brain fog, anxiety, depression, hot flashes, and weight gain are all normal - a part of agi …

"There is magic in you, there is magic in me, wait, just wait and see!" And with those words, Lyle's best friend, a stuffed sloth named Leeto, comes to life! Leeto notices that Lyle is feeling stressed and worried. Lyle has a heavy feeling in her chest, h …

Fall 1971. Richard Nixon is in the White House. Five George Washington University law students form Students Challenging Regulatory Agency Procedures (SCRAP). SCRAP's intent: to challenge the corporate greed of the nation's railroads and the failure of th …

It's summer vacation, and sisters Ella and Alora are trying to amuse themselves at their mother's friend's house while the grownups talk and talk and talk... They are running out of ideas to pass the time when they discover a very unusual drain cover out …

It has been ten years since Charles Davis was diagnosed with schizophrenia and began rebuilding his life from scratch. Waking up in a hospital ten years ago was a major turning point for Charles; now, as he grapples with a fresh wave of symptoms brought o …

If Grandpa were here, what would you do with him today? Would you go for a ride in his truck? Would you help him fix your bike? Or maybe share an ice cream sundae after a hike? If Grandpa Were Here: A Book of Memories and Lasting Love describes, through t …

Mary Steinhauser is the only peace officer in the history of penal institutions in Canada to willingly offer up her life in the service of her country. It was during a 1975 prison escape attempt and 41-hour hostage-taking by three desperate inmates of the …

How can words on paper be more devastating than war? Why is there persistent inequality-racial, financial, structural? Why are things in our society the way they are? Mightier Than the Sword: How Three Obscure Treaties Sanctioned the Enslavement of Millio …

EASTWICK LETTERS transcribes and illustrates 117 individual sheets written 1844-51 by Andrew McCalla Eastwick, his wife Lydia, their children, and business associates as the family set up works, and home in 19th century St. Petersburg, Russia. Eastwick wa …

Have you ever heard the term Rescue dog? Are you one of many that believe your dog has a special purpose to be in your life? This book is based upon the adventures of Police canine Lola. Join her for a day in the life of a C. I. R. T. (critical incident r …

Shut your eyes while mother sings Of wonderful sights that be, And you shall see the beautiful things As you rock in the misty sea, Where the old shoe rocked the fishermen three: Wynken, Blynken, and Nod. In this whimsically illustrated rendition of Eugen …

Six-day races, record-breaking rides, and renegade leagues are at the heart of this fascinating short fiction collection that explores women's competitive cycling in the late Victorian era. Each of the stories contained in this meticulously researched col …

Ella is a happy, fun-loving girl who is just starting school. She knows all of her letters, helps take care of her little sister, and enjoys riding her blue bike. Sometimes she has to practice sitting still. Ella loves to play and is a good friend. Ella h …

Coastal Navigation for Class and Home Study is based on the notes prepared for students by the author during some 20 years of teaching navigation, initially to private or commercial pilots, and then to sailors and professional mariners. The book is copiou …

If Grandpa were here, what would you do with him today? Would you go for a ride in his truck? Would you help him fix your bike? Or maybe share an ice cream sundae after a hike? If Grandpa Were Here: A Book of Memories and Lasting Love describes, through t …

Gyrfalcons and humans have shared a remarkable relationship since prehistoric times. These extraordinary arctic falcons have been revered, coveted as an item of commerce, persecuted, and enjoyed as a spectacle of sport for at least ten thousand years. Tod …

In Perpetual Motion, Dana slows down long enough to detail his dash through a fast-paced life. This is the inspirational and moving saga of how-historical, cultural, and environmental events influenced a fertile mind, driving him forward on a quest for pe …

A Mother's Love Story Tragedy Courage Resilience Hope "One cold winter's day, my life's trajectory tragically and unimaginably changed in an instant... forever!" - Tracy Stark, Mother of Radek and Ryder Early on a Monday morning in December 2016, Tracy St …

The Way of the Loon tells of a spring and summer in a loon family's life on a lake in the boreal forest. When LaLa and Dapper return to the northern lake to raise a family, challenges lie ahead: hungry eagles, rowdy humans, and a large fish threaten their …

Doug is a smart and curious boy who wonders why his hardworking and talented father, is always upset. He questions his dad as to why he never became the boss of his own company but doesn't believe the answer to be truthful. With the help of his siblings, …

Have you ever seen an animal in nature? Maybe it was a deer, or an owl, or a bunny, or a seal. Did you have a magical moment where you were looking at them and they were looking at you? Did you wonder what they saw? Did you wish you could follow your new …

Some of us love everything about dogs, from their cute noses to their happy barks! But sometimes dogs can seem a little scary. When an overly excited dog jumps on Lizzie-Bee, she gets scared of every dog! Now Lizzie-Bee is ready to try again. But will she …

The Great White shark is the largest predatory fish in the sea. It can be found in all the major oceans around the world and is listed as "vulnerable" on the endangered species list. This means they need our help! To help save the sharks, we must continue …

Learn a better way of childrearing to raise mentally and emotionally stable children who will positively contribute to society and their own lives. Want to develop a deeper level of relationship with your children to ensure they grow up to be mentally, ps …

Athena Brkovich believes in true love. Young, successful, beautiful and wild, Mason and Athena Armada are a romance for the ages. They appear to have everything anyone could want. As money pours in, their lives become more reckless. Passionate and dangero …

Penelope's big-city dreams aren't turning out exactly as she planned. When she moved away from her family and their small business, she envisioned a life creating fantastical events and taking advantage of all the things New York has to offer. She certain …

When one thinks of slavery in America, the only thought that comes to mind is Africans picking cotton in the fields of America. What many Americans don't know is that the Irish preceded the Africans as slaves in the early British colonies of America and t …

It wasn't meant to happen. One of his rare mistakes. Daniela's parents and brother weren't meant to be there. Raphael Robles lies to his young niece about their deaths. For him, the cover-up is easy; he's one of Spain's top counterterrorism cops. Years la …

Back from a self-imposed hiatus, the indelible father & daughter writing team of John H. Atwood and Jenean Atwood Baynes is back! And with purpose, they keep the spirit of the late Mary L. Atwood, wife & mother, firmly at their side. After the success of …

On a quest to find a resolution to her physical illnesses, Monique Pilon-Fraschetti travels to Rome and Madrid to consult with specialists. She embarks on a sacred journey in search of healing and experiences a miraculous event while on a pilgrimage in Lo …

From late January to mid February 2022, the eyes of Canada-and indeed, the world-were on Ottawa, Ontario as the Trucker Freedom Convoy converged from all parts of the nation. They were there to tell Prime Minister Trudeau that enough was enough, and they …

Dear Diary, It's Me, Stella follows the captivating journey of a courageous dog in search of a place to call home. Through moments of despair and dreams of a better life, Stella's heartfelt diary entries reflect her fears, hopes, and unbreakable spirit. W …

Financial freedom is a dream we all pursue. But what if the conventional path to wealth was a game rigged against investors and in favour of big banks and lending institutions? Drawing on his personal experience and expertise, John introduces you to a wor …

Eugenio Violante wears two fedoras-one as the Don of La Cosa Nostra, the other as the owner of Wastefellas Garbage Co. His business operates in a community with a newfound sense of environmental values due to recent media backlash from local news anchor M …

Salvatore Marchetti has spent thirty-two years working at the same small bank in Queens and his heart is failing, so when amateur bank robbers overlook a small fortune during a heist, Sal seizes the chance of a lifetime-he pockets the cash for his struggl …

Your little early reader will love the message in this book and all the vibrant colours by the Illustrator. Best of all, this book will boost their confidence and will make them feel very special. www.jessicaprasad.ca

APPRECIATIVE INQUIRY (AI) IN HIGHER EDUCATION is a powerful resource for use in a complex world. AI, with its focus on strengths and what is working well, fosters positive and generative change. This book is a practical guide to the theory and practice of …

In the tale of "Happy to Be Me, The Story of Argo the Snail", Argo finds himself tired of his small snail existence. Filled with dreams of becoming a magnificent sea monster or a mesmerizing color-changing octopus, Argo embarks on a journey to transform h …

Written by a neonatologist and a micro-preemie dad, this book takes you on a fun RESPIRATORY ADVENTURE through the Neonatal Intensive Care Unit (NICU) as seen from the point of view of different families around the world. Doc Fort (a true-life neonatologi …

Stretching-you've probably heard of it. The fitness market is flooded with conflicting and confusing information about stretching. In The Guide to Wellness through Stretching, physiotherapist Dale Deis and physiologist Ed Stiles have taken a stiff, old pr …

FRIENDS ARE THE FAMILY YOU CHOOSE Queen Calista of East Marra and King Phoenix of West Marra are the newly appointed regents of the fractured LaMarra a once unified land driven by the magic of the Goddess of the River Marra. They now find themselves unwil …

For generations, the predominant message in the church has been that to live a complete and happy life, one must marry and have children. And while this does bring joy and fulfillment for many, other Christians are called to a life of singleness-or become …

Haunted by nightmares of her troubled past, Valerie Russo is determined to turn a new page in the seemingly innocent village of Fort Langley, British Columbia, where she takes up a house sitting position. With the 2010 Olympics approaching, Valerie settle …

Away from family and friends for the first time after moving to Vancouver to attend university, nineteen-year-old Elizabeth (Liz) Grant finds campus and dorm life lonely. She is thrilled when the handsome, charismatic Professor Gilby offers her and Caroli …

I wade waist-deep into the ocean to reach a body floating face down in the local harbor. Police, first responders, and onlookers quietly watch from the shoreline, but blood splotches and marks in the sand suggest that something awful has happened here. In …

Every kid knows that mommies are the greatest. They feed us and take care of us and love us with all their hearts. But did you know they are also so cool! One little boy sure does. His mommy drives a big, red monster truck, and it's awesome! It bounces an …