Paul Sandler
Paul Sandler
clues early impact mammals marine providing unseen
Marine mammals are providing early clues of our unseen impact on the sea.
among bond club excellent issue limited opportunity pay ratio rebuilding small took
We had excellent insurance, which at least was able to pay for rebuilding the club back to the way it was. But we also wanted to use the opportunity to make some improvements. So we had a limited bond issue among our members, and also took out a small mortgage. Even after all this, our equity-to-debt ratio is about 5-1, which is excellent for any organization.
decorator designer difference entire floor help interior learned pick plan traffic window
We learned the difference between an interior decorator and an interior designer. A decorator can help you pick carpets and window treatments. A designer will do your entire floor plan and traffic flow.