Erotic Massage

Erotic Massage 

By: Kenneth Ray Stubbs, Ph.D. with Louise Andree Saulnier 

Basically all you need is oil fragranced ones entice the mind but may sting the skin especially membranous tissue Some prefer vegetable oils (unfragranced coconut oil is a good choice) others prefer mineral oils Visit your local lotions-and-potions store, try a health food store On membranous tissues, such as the female genitals, some consider water-based lubricants to be healthier Purchase them at a pharmacy perhaps at a sensuous boutique You can apply the oil or lubricant to your hands either from a plastic squeeze bottle a bottle with a push pump or a bowl Massage tables are great for your back and sturdy tabletops padded with foam or blankets are fine Otherwise, a padded floor a bed or the ground covered with cloth is quite suitable If you select a large bed have the recipient’s head at a corner of the foot of the bed. [download]

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Credit Risk Management

Credit Risk Management 

By: Tony Van Gestel and Bart Baesen 

Credit risk, or the risk that money owed is not repaid, has been prevalent in banking history. It is a principal and perhaps the most important risk type that has been present in finance, commerce and trade transactions from ancient cultures till today. Numerous small and large failures, combined with the corresponding economic and social impact, further accelerated the importance of credit risk management throughout history. Credit risk management is a process that involves the identification of potential risks, the measurement of these risks, the appropriate treatment, and the actual implementation of risk models. Efficient credit risk management tools have been vital in allowing the phenomenal growth in consumer credit during the last 50 years.Without accurate automated decision tools, credit lending would not have allowed banks to expand the loan book with the speed they have. [download]

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English Drama Since 1940

English Drama Since 1940 

By: David Ian Rabey 

The creation and management of public order through shared meaning is in itself profoundly dramatic. Clarke notes how Churchill’s wartime speeches (like those of Shakespeare’s Henry V) appeal to a sense of performance which constitutes history in the making: ‘Rather than minimising the threat of invasion, he dramatised it’, projecting himself into the future and flattering by association his fellow members of ‘the British Empireand its commonwealth’ that this would stand as ‘their finest hour’. British history has often dealt with challenges to homogeneous national identity by ‘ignoring’ them and marginalising dissenting voices into ultimately supportive foils for the dramatic advancement of self-styled protagonists: ‘Churchill and Orwell slipped into a well-established convention of illicitly, implicitly conscripting all Britons into a pageant of English history, with a few tartan-clad spear-carriers and Celtic by standers, presumed to be muttering the Welsh for “rhubarb”’. [download]

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Dangerous Lover

Dangerous Lover 

By: Lisa Marie Rice 

He needed Caroline like he needed light and air. More. The tall, emaciated boy dressed in rags rose from his father’s lifeless body sprawled bonelessly on the icy, concrete floor of the shelter. His father had been dying for a long time most of his life, in fact. There had always been something in him that didn’t want to live. The boy couldn’t remember the last time he’d seen his father clean and sober. He had no mother. All his life, it had been just the two of them, father and son, drifting from shelter to shelter, staying until they were kicked out. The boy stood for a moment, looking down at his only blood relation in this world, dead in a pool of vomit and shit. Nobody had noticed his father’s dead body yet. Nobody ever noticed them or even looked their way if they could help it. Even the other lost, hopeless souls in the shelter recognized someone worse off than they were and shunned them. [download]

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Dead Girls are Easy

Dead Girls are Easy 

By: Terri Garey 

“She’s coding. Give me another round of epi, stat.” “Doctor-“. “Keep bagging her, nurse. I’m not letting her go yet. Charge it to 360.” Had I left the TV on? I’d never cared much for medical dramas. Too much intensity, too much crying, too many doctors undergoing personal crises of faith-I’d rather believe they were professionals who knew what they were doing and leave it at that. The body on the table jerked at least a foot in the air when the paddles touched its chest. A hand flopped to the side, revealing red fingernails and a silver thumb ring. A woman. A high-pitched whining from one of the machines was getting on my nerves, but I had to give the director credit. The urgency on the faces of the people clustered around the gurney looked pretty real. [download]

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