Discover New Releases Audiobooks in Business, Commerce & Economy

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Title: Young Money

Subtitle: Inside the Hidden World of Wall Street's Post-Crash Recruits

Author: Kevin Roose

Narrator: Nicholas Tecosky

Format: Unabridged

Length: 7 hrs and 34 mins

Language: English

Release date: 02-18-14

Publisher: Hachette Audio

Ratings: 4 of 5 out of 227 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

Becoming a young Wall Street banker is like pledging the world's most lucrative and soul-crushing fraternity. Every year, thousands of eager college graduates are hired by the world's financial giants, where they're taught the secrets of making obscene amounts of money - as well as how to dress, talk, date, drink, and schmooze like real financiers.

Young Money is the inside story of this well-guarded world. Kevin Roose, New York Magazine business writer and author of the critically acclaimed The Unlikely Disciple, spent more than three years shadowing eight entry-level workers at Goldman Sachs, Bank of America Merrill Lynch, and other leading investment firms. Roose chronicled their triumphs and disappointments, their million-dollar trades and runaway Excel spreadsheets, and got an unprecedented (and unauthorized) glimpse of the financial world's initiation process.

Roose's young bankers are exposed to the exhausting workloads, huge bonuses, and recreational drugs that have always characterized Wall Street life. But they experience something new, too: an industry forever changed by the massive financial collapse of 2008. And as they get their Wall Street educations, they face hard questions about morality, prestige, and the value of their work.

Young Money is more than an exposé of excess; it's the story of how the financial crisis changed a generation - and remade Wall Street from the bottom up.

Members Reviews:

Wow, the effort taken to make this book possible

if you want to know what it's like as a first year kid on the street. it's real to the bone and lays out what is up with very little opinion other then the obvious.

Great insight into what life is like starting in Wall Street

Great stories in this book, would definitely recommend! Very fun book. Although it doesn't "teach" you anything, it's very entertaining.

Kevin Roose is the man

There's always an argument for, an argument against, and the truth. One of my favorite books of all time is Hell's Angels by Hunter S. Thompson. Like Thompson, Roose goes face to face with vilified creatures and discovers the reality is both simple and complicated. Narration is top notch. Also, Wall Street's "high pay": $110,000/year 100 hours/week = $21.15/hour. Six bucks better than a NYC McDonald's in 2018.

Entertaining listen about Wallstreet

It was entertaining to hear about some experiences on Wall Street for those of us who don't work there. Many of the "issues" experienced by the subjects would be pretty typical of any college graduate one to two years out of school and trying to find their way in this world.

Excellent for young people

Would you listen to Young Money again? Why?

Yes, I enjoyed the strory tremendously and the author really put in a lot of work.

Who was your favorite character and why?

Derick. I am most like him.

Was this a book you wanted to listen to all in one sitting?

No

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Title: 42 Rules for Sourcing and Manufacturing in China

Subtitle: A Practical Handbook for Doing Business in China, Special Economic Zones, Factory Tours and Manufacturing Quality (2nd Edition)

Author: Rosemary Coates

Narrator: Rosemary Coates, Tex Texin

Format: Unabridged

Length: 3 hrs and 37 mins

Language: English

Release date: 10-31-13

Publisher: Super Star Press

Ratings: 4.5 of 5 out of 43 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

Doing business in China is tougher than you think. Not only is the culture vastly different, but China's experience in manufacturing is still developing. It will be a few years before the majority of manufacturers are up to world standards. In the meantime, quality, contract laws, schedules and logistics must be closely monitored. As a result, the things Westerners must do to be successful are far different from dealing with American or European manufacturers. The best way to quickly come up to speed on these differences and how to handle them is to learn from the experience of others.

Through over 20 extraordinary executive interviews, Rosemary Coates captured the essence of sourcing and manufacturing in China. 42 Rules for Sourcing and Manufacturing in China is a pragmatic approach that every businessperson headed to China must listen to. For business people who are experienced in doing business in China, or for first-time visitors, this audiobook will provide valuable insights from real executives and experts. These executives offer their personal experiences and recommendations about sourcing and manufacturing in China. Based on her 25 years of supply chain experience, much of it spent living and working across Asia, Rosemary Coates has become an expert on doing business in China. Her own personal experiences in China are interwoven into this audiobook.

Members Reviews:

Lots of generalities, few real insights and examples

First of all, the author reads the book herself and I find her manner of speaking quite annoying, it reminds me of Janet Yellen.

With regards to the contents, there are some useful insights like existence of shadow factories, strategies to protect intellectual property or keeping two sets of books. However, they are relatively few and far between. Much of the contents are generalities and repetitions, you will hear, seriously, at least six times each that you should do due dilligance, that China is changing very fast and that you should never assume you know China. What I expected to see instead was concrete examples and anecdotes illustrating each rule.

Great intro to china business

Im going to China for the first time to meet with my supplier. I figured I should a little more about China business culture. I picked up this book to do that. I think it is great little intro. Well worth the 3.5 hours.

Great introductory for me

The author has packaged and condensed doing business in China in the best and easiest way to understand. Many of the quotes by "professionals" are good but unspecific. The author writes this book with much cultural sensitivity so you must read between the lines sometimes. Great book! I would love to hear more specific horror and specific success stories.

Great Beginner's Guide

I do recommend everyone who wants to travel to China to read this as a quick guide. It can save you from lots of trouble or confusion!

Extremely important, informative.

Would you consider the audio edition of 42 Rules for Sourcing and Manufacturing in China to be better than the print version?

I enjoy listening to books read by the author.

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Title: The Business Solution to Poverty

Subtitle: Designing Products and Services for Three Billion New Customers

Author: Mal Warwick, Paul Polak

Narrator: William Hughes

Format: Unabridged

Length: 7 hrs and 18 mins

Language: English

Release date: 09-09-13

Publisher: Blackstone Audio, Inc.

Ratings: 4 of 5 out of 16 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

The nearly three billion people living on two dollars a day are not just the worlds greatest challenge - they represent an extraordinary market opportunity. The key is what Paul Polak and Mal Warwick call Zero-Based Design: starting from scratch to create innovative products and services tailored for the very poor, armed with a thorough understanding of what they really want and need, and driven by what Polak and Warwick call "the ruthless pursuit of affordability".

Polak has been doing this work for years, and Warwick has extensive experience in both business and philanthropy. Together, they show how their design principles and vision can enable unapologetic capitalists to supply the very poor with clean drinking water, electricity, irrigation, housing, education, health care, and other necessities at a fraction of the usual cost and at profit margins comparable to those of businesses in the developed world.

Promising governmental and philanthropic efforts to end poverty have not reached scale because they lack the incentives of the market to attract massive resources. This book opens an extraordinary opportunity for nimble entrepreneurs, investors, and corporate executives that will result not only in vibrant, growing businesses but also a better life for the worlds poorest people.

Members Reviews:

If you are after big money, this is a must read book

"The business solution to Poverty" is a very insightful reading and is highly recommended for social entrepreneurs, business leaders, non-profit making organizations to read. The authors, Paul and Mal, have shared in this book how to build a sustainable and profitable business by solving the fundamental problems for the masses - people in poverty - those who are earning 2 dollars a day.

Do not think it is an easy start for such business. It is going to take a longer period of time when you design a product/solution the masses need.

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Title: Guide to the European Union

Subtitle: The Economist

Author: Dick Leonard

Narrator: Gordon Griffin

Format: Unabridged

Length: 12 hrs and 16 mins

Language: English

Release date: 09-03-13

Publisher: Audible Studios

Ratings: 4 of 5 out of 15 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

The 10th edition of the long-established definitive guide to the EU. From its original six members (who formed the European Economic Community in 1957) what became the European Union had grown to 27 members in 2007, with several more candidates for membership standing in the wings.

This long-established definitive guide to the workings of the EU provides

The Guide to the European Union is well-established as the clearest and most comprehensive guide to how the EU operates.

Editorial Reviews:

From the publishers of the august news magazine The Economist and veteran British journalist and former politician Dick Leonard, Guide to the European Union is a clear and comprehensive guide to what the EU is, why it exists, and how it operates. Performed in an elegant, authoritative manner by prolific British actor Gordon Griffin, the guide is in its 10th edition and is arranged into the following sections: The Background, the Institutions, the Competences, and the "Special Problems" facing the EU. A discussion of the future of the powerful union is provided. The guide should be of interest to any intelligent follower of the political state of our world, and perfect for any beginning student of Europe.

Members Reviews:

very insightful/informative

before reading this book I had so many questions. I can truly say many of them have been answered and some. a must read for anyone interested in world affairs. good resource

The European Unions History brought to life

What made the experience of listening to Guide to the European Union the most enjoyable?

Very informative guide from the early staring point of the EU right through to present day.

Who was your favorite character and why?

I would say that amongst the characters Margaret Thatcher would be the more interesting players in the political scene (but then I am English). So in fact each character adds their part to the overall story.

What about Gordon Griffins performance did you like?

Gordon Griffin's performance was brilliant, his voice is commanding and keeps you attentive to the story line, which is complex in its own right.

If you were to make a film of this book, what would the tag line be?

A real life adventure in a world that is carried out behind the scenes.

Any additional comments?

If you are either studding EU politics or need to get a better understanding of politics and its many different moves this is the book for you.

Good history but missing Recent events

What did you like most about Guide to the European Union?

The guide covers the various institutions of the European Union in detail and explains their histories and purposes clearly.The author is unashamedly pro-European and attributes all scepticism about the EU to irrational tribalism and nostalgia for empire. These emotions no doubt exists, but they are not the only reasons for doubts about the long term viability of the Union.

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Title: Secrets of Silicon Valley

Subtitle: What Everyone Else Can Learn from the Innovation Capital of the World

Author: Deborah Perry Piscione

Narrator: Andrea Gallo

Format: Unabridged

Length: 10 hrs and 1 min

Language: English

Release date: 09-03-13

Publisher: Recorded Books

Ratings: 4.5 of 5 out of 11 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

While the global economy languishes, one place just keeps growing despite failing banks, uncertain markets, and high unemployment: Silicon Valley. In the last two years, more than 100 incubators have popped up there, and the number of angel investors has skyrocketed. Today, 40 percent of all venture capital investments in the United States come from Silicon Valley firms, compared to 10 percent from New York.

In Secrets of Silicon Valley, entrepreneur and media commentator Deborah Perry Piscione takes us inside this vibrant ecosystem where meritocracy rules the day. She explores Silicon Valley's exceptionally risk-tolerant culture, and why it thrives despite the many laws that make California one of the worst states in the union for business. Drawing on interviews with investors, entrepreneurs, and community leaders, as well as a host of case studies from Google to Paypal, Piscione argues that Silicon Valley's unique culture is the best hope for the future of American prosperity and the global business community and offers lessons from the Valley to inspire reform in other communities and industries, from Washington, DC to Wall Street.

Members Reviews:

Fantastic read!!!

Great book, fantastic read. Don't let all the 1 star scare you all. I live in Silicon Valley and find this book insightful.

I am quite disappointed on some 1 stars, they rated her based on her political party affiliation. That is unfortunate, I thought us liberals should be open minded and give credit where it is due. Isn't this what America is all about?

Concise, informative description of why the Bay Area is decades ahead most of America

Ms. Piscione, formerly of the Washinginton National Capitol Area, has provided the American citizen with just why the California Bay Area is the world's mecca for innovation and ideas that change the way people live and why much of the United States needs to replicate to some degree the intellectual and passionate culture that area has established.

A book valuable for those interested in comparing how a culture that caters to inspiring human imagination and ingenuity relates to our current political dysfunction: of how the free flow of ideas allows for advancement compared to ideas held as commodities and as private property that must not be let loose---as one finds in politics today.

Highly recommended.

Excellent book

A book full of important anecdotes and insights about the origin and future of Silicone Valley. Also a pleasure to read.

A must read book for those interested in replicating SV

It is very insightful for me as a foreign Entrepreneur in SV how this place is conceived by an american author and to coincide with Deborah how I see this place too.

I think something missing in the book is highlighting the importance for the "imitators" of Silicon Valley to be connected with this region.

After reading it I was plenty convinced that it is a waste of time trying to replicate SV. It is easier, cheaper and more efective connecting with the Innovation Capital of the World.

A great book, really useful for the current work that I'm doing.

Excellent book, just it

No doubt, it is the best book that I read in this year.

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Title: The AIG Story

Author: Maurice R. Greenberg, Lawrence A. Cunningham

Narrator: Andy Caploe

Format: Unabridged

Length: 11 hrs and 51 mins

Language: English

Release date: 07-22-13

Publisher: Audible Studios

Ratings: 3.5 of 5 out of 40 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

A legendary CEO tells the inside story of building the world's largest insurance companyand the dramatic tale of its near-destruction after he left in early 2005, as successors transformed AIG and drove it to the center of the financial crisis of 2008.

In 1962, Maurice Greenberg was handed leadership of a small, failing insurance company. By 2004, American International Group (AIG) had become the world's eighteenth largest company. Then the financial crisis hit and "Hank" Greenberg's magnificent creation teetered on the brink. You've read other accounts of AIG. Now read the inside story.

In The AIG Story, Maurice Greenberg enlists Lawrence Cunningham to help chronicle the origins of the company and its relentless pioneering of open markets everywhere in the world. They regale readers with riveting vignettes of how AIG grew from a modest group of insurance enterprises in 1970 to the largest insurance company in world history. They help us understand AIG's distinctive entrepreneurial culture and how its outstanding employees worldwide helped pave the road to globalization.

A unique inside account of AIG by one of the iconic business leaders of the twentieth century who developed close relationships with many of the most important world leaders of the period and helped to open markets everywhere.

Offers new critical perspective on battles with N. Y. Attorney General Eliot Spitzer and the 2008 U.S. government seizure of AIG amid the financial crisis.

Enriched by the craftsmanship, research and extensive interviews of other players by corporate governance expert, law professor, and writer Lawrence Cunningham.

Shares considerable information not previously made public.

The AIG Story captures an impressive saga in business historyone of innovation, vision and leadership at a company that was nearly destroyed with a few strokes of governmental pens. The AIG Story is really Hank Greenberg's story, told from the very heart of events and carrying important lessons and implications for the U.S., especially its role in international affairs, its approach to business, its legal system and its handling of financial crises.

Members Reviews:

Business with a Handshake

AIG is the thousand pound gorilla in insurance. I always wanted to know more about the insurance company. I know that they do a lot more other than insurance, but I don't have a MBA to fully understand all of the terms. It was most interesting to listen to "The AIG Story" from Mr. Greenberg's point of view and how he formed the group and hired his employee with a handshake, and the drama of getting him outcasted in his own firm. I've read my fair amount on finance, but "The AIG Story" is sub par among them all.

You might not agree with Mr. Greenberg ...

... on everything, but if you want to see, blow by blow, how a business and insurance genius built a world-beating company, have a look. This man's success is not hard to understand, in this light. There are several books out (on audible as well) on aspects of this topic, but nobody has told Mr. Greenberg's story, anything like this. It is filled with action, conversations, confrontations, all the dynamics on the way up. The way things unfolded for AIG in recent times was very unfortunate, and I'm not going to get into one side or another of the blame game.

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Title: Stick Out Your Balance Sheet and Cough

Subtitle: Best Practices for Long-Term Business Health

Author: Gary W. Patterson

Narrator: Jason Sullivan

Format: Unabridged

Length: 3 hrs and 24 mins

Language: English

Release date: 05-21-13

Publisher: Made for Success

Ratings: 5 of 5 out of 2 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

How fiscally fit is your company? Just say ah!

In Stick Out Your Balance Sheet and Cough, Gary Patterson details for the first time the proven methods he has used to successfully treat companies of all sizes across a range of industries - from a startup purchased by IBM, to a public technology company sold to eBay, to an Inc. 500 consumer goods manufacturer, to an international Fortune 500 firm. Offering tips to stanch the internal financial bleeding and providing a daily regimen for ensuring your company's financial health, the FiscalDoctor's prescription is clear: Give your company an overall checkup to gauge its condition. Diagnose problems by reviewing your financials and operations. Implement a treatment plan using best practices from world-class successful companies. Create a wellness program to prevent future fiscal crises.

Using the FiscalDoctor's best practices, the high-growth company you own, manage, or direct can avoid unnecessary increased expenses, revenue shortfalls, employee layoffs, missed bonuses or broken dreams. So open this book and say, "Profit".

Members Reviews:

Take a good look at your business and put it all into perspective

Gary Patterson uses medical practices as the background for a successful and healthy business strategy. He gives you checklists, and examples all to help you better understand how to keep your business healthy. He gives you 21 ways to generate quick cash and advises against extending credit but also suggests assigning customer write offs to a collection agency. This may help your business to avoid bad debt, since you are not extending credit but it will also stump your business growth. Taking risks, that are educated and outlined can help your business to grow. An important nugget Patterson shares with us in regards to this point is that you should pay close attention to your most profitable customers. He suggests doing business with those 20% of your customers that give you 80% of your business. A good read, puts things into perspective.

The best prescription for the common and uncommon financial cough

There is a lot of talk out there about health and health care. There is not enough talk about prevention. Gary Patterson's book, "Stick Out You Balance Sheet and Cough," offers great financial disease prevention and get's right down to business with determining just what is causing that financial ailment and how to fix it. Mr. Patterson gets to work with his Path to Profitability Checklist which includes a checkup, diagnosis, treatment and wellness phase. He delivers all the tools necessary to put a small and medium sized business in the position to take back financial control and increase profitability.

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Title: Nature's Fortune

Subtitle: How Business and Society Thrive by Investing in Nature

Author: Mark Tercek, Jonathan Adams

Narrator: Clinton Wade

Format: Unabridged

Length: 6 hrs and 48 mins

Language: English

Release date: 05-13-13

Publisher: Audible Studios

Ratings: 4 of 5 out of 26 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

What is nature worth? The answer to this question - which traditionally has been framed in environmental terms - is revolutionizing the way we do business.

In Natures Fortune, Mark Tercek, CEO of The Nature Conservancy and former investment banker, and science writer Jonathan Adams argue that nature is not only the foundation of human well-being, but also the smartest commercial investment any business or government can make. The forests, floodplains, and oyster reefs often seen simply as raw materials or as obstacles to be cleared in the name of progress are, in fact as important to our future prosperity as technology or law or business innovation.

Who invests in nature, and why? What rates of return can it produce? When is protecting nature a good investment? With stories from the South Pacific to the California coast, from the Andes to the Gulf of Mexico and even to New York City, Natures Fortune shows how viewing nature as green infrastructure allows for breakthroughs not only in conservation - protecting water supplies; enhancing the health of fisheries; making cities more sustainable, livable and safe; and dealing with unavoidable climate change - but in economic progress, as well. Organizations obviously depend on the environment for key resources - water, trees, and land. But they can also reap substantial commercial benefits in the form of risk mitigation, cost reduction, new investment opportunities, and the protection of assets. Once leaders learn how to account for nature in financial terms, they can incorporate that value into the organizations decisions and activities, just as habitually as they consider cost, revenue, and ROI.

A must-listen for business leaders, CEOs, investors, and environmentalists alike, Natures Fortune offers an essential guide to the worlds economic - and environmental - well-being.

Members Reviews:

Great real life examples and stories of sustainable business!

This book covered an impressive array of important topical areas in conservation, business and our role in our fast changing world of environmental and social issues.

I highly recommend this book to anyone interested in learning more about ways to solve some of our times most pressing environmental and social issues. This was a very inspiring book!

Insightful and interesting, if a little slow

Would you try another book from Mark Tercek and Jonathan Adams and/or Clinton Wade?

Yes, if it held fresh information.

What did you like best about this story?

The presentation of ideas on collaborative conservation and the use of green capitol are interesting and insightful. This is the "new" thinking in conservation, but these methods don't receive much publicity. It was worthwhile to listen to current practices that are being utilized in conservation if you are interested in the field.

What did you like about the performance? What did you dislike?

The performance was clear, but overly filled with information and references. I sometimes had to stop and think about what was said, or to note down a mentioned reference. It would be nice if this performance came linked to a reference list, for this reason. I found the book interesting, but not compelling.

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Title: The Great Rebalancing

Subtitle: Trade, Conflict, and the Perilous Road Ahead for the World Economy

Author: Michael Pettis

Narrator: A.T. Chandler

Format: Unabridged

Length: 7 hrs and 37 mins

Language: English

Release date: 05-10-13

Publisher: Audible Studios

Ratings: 4.5 of 5 out of 57 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

China's economic growth is sputtering, the Euro is under threat, and the United States is combating serious trade disadvantages. Another Great Depression? Not quite. Noted economist and China expert Michael Pettis argues instead that we are undergoing a critical rebalancing of the world economies. Debunking popular misconceptions, Pettis shows that severe trade imbalances spurred on the recent financial crisis and were the result of unfortunate policies that distorted the savings and consumption patterns of certain nations. Pettis examines the reasons behind these destabilizing policies, and he predicts severe economic dislocations--a lost decade for China, the breaking of the Euro, and a receding of the U.S. dollar--that will have long-lasting effects.

Pettis explains how China has maintained massive--but unsustainable--investment growth by artificially lowering the cost of capital. He discusses how Germany is endangering the Euro by favoring its own development at the expense of its neighbors. And he looks at how the U.S. dollar's role as the world's reserve currency burdens America's economy. Although various imbalances may seem unrelated, Pettis shows that all of them--including the U.S. consumption binge, surging debt in Europe, China's investment orgy, Japan's long stagnation, and the commodity boom in Latin America--are closely tied together, and that it will be impossible to resolve any issue without forcing a resolution for all.

Demonstrating how economic policies can carry negative repercussions the world over, The Great Rebalancing sheds urgent light on our globally linked economic future.

Members Reviews:

A must book!

A must book for whose interested in finance, economy and geopolitics or world matters. Although the performance is excellent i recommend the paper or kindle version since the topics sometimes require reading back as well as seeing the formulas.

Deep and professional while easy to understand.

What did you love best about The Great Rebalancing?

It's deep and professional, while also written in easy to understand language with many examples that really clarify the subject. It's also free from hidden advertisements - no references to paid web sites etc...

What did you like best about this story?

It describes the current economic situation in objective and balanced way, including some non so intuitive economical matters in simple ways.

Calling all Republicans

This is for everyone who thinks they understand (but really doesn't)

balance of trade

exchange rates

interest rates

or for anyone who is worried about China or India or some other emerging market

or for anyone who thinks importing stuff from China is a bad thing for the US

or is worried about trade deficits

This is a really good book, might be worth a second read.

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Title: The Alchemists

Subtitle: Three Central Bankers and a World on Fire

Author: Neil Irwin

Narrator: Walter Dixon

Format: Unabridged

Length: 14 hrs and 19 mins

Language: English

Release date: 04-11-13

Publisher: Gildan Media, LLC

Ratings: 4 of 5 out of 74 votes

Genres: Business, Commerce & Economy

Publisher's Summary:

When the first fissures became visible to the naked eye in August 2007, suddenly the most powerful men in the world were three men who were never elected to public office. They were the leaders of the worlds three most important central banks: Ben Bernanke of the U.S. Federal Reserve, Mervyn King of the Bank of England, and Jean-Claude Trichet of the European Central Bank. Over the next five years, they and their fellow central bankers deployed trillions of dollars, pounds, and euros to contain the waves of panic that threatened to bring down the global financial system, moving on a scale and with a speed that had no precedent.

Neil Irwins The Alchemists is a gripping account of the most intense exercise in economic crisis management weve ever seen, a poker game in which the stakes have run into the trillions of dollars. The book begins in, of all places, Stockholm, Sweden, in the 17th century, where central banking had its rocky birth, and then progresses through a brisk but dazzling tutorial on how the central banker came to exert such vast influence over our world, from its troubled beginnings to the age of Greenspan, bringing the listener into the present with a marvelous handle on how these figures and institutions became what they are - the possessors of extraordinary power over our collective fate. What they chose to do with those powers is the heart of the story Irwin tells.

Irwin covered the Fed and other central banks from the earliest days of the crisis for the Washington Post, enjoying privileged access to leading central bankers and people close to them. His account, based on reporting that took place in 27 cities in 11 countries, is the holistic, truly global story of the central bankers role in the world economy we have been missing. It is a landmark reckoning with central bankers and their power, with the great financial crisis of our time, and with the history of the relationship between capitalism and the state. Definitive, revelatory, and riveting, The Alchemists shows us where money comes from - and where it may well be going.

Contact me for any questions: [email protected]