The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).

Whirl through the months of the year in this action packed seek-and-find book that takes young readers on an outdoor adventure as the months pass by. The detailed pictures offer a wide variety of items to spot, while also teaching the changes that happen in nature as the year turns.

Overflowing with the sounds a baby experiences during his daily jaunt around the city with Mommy, this busy, interactive book offers an opportunity to accelerate babies' and toddlers' listening and speaking skills.

Cheerful and warm, this Cactus Notecard Set by favourite illustrator Maria Carluccio is right on trend with your other favourite stationery/home fashion designs. Our notecards are blank inside and are the perfect way to drop a note to a loved one or friend to say thank you or just a simple hello. 10 notecards - blank inside - in 1 lovely hand-painted image Foil accents 10 classic white envelopes Packaged in an easy portable clear acetate box Card measures 127 x 101 mm Box measures 131 x 109 x 15 mm We choose the best images from well-known classic and contemporary fine artists, plus talented emerging illustrators and designers from around the globe. Maria Carluccio has received multiple awards for her work from the New York Society of Illustrators and 3x3 magazine. Her artwork can be seen on children's books, gift products, wall decor, and fabric.

The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).

Build confidence around school-time routines with this interactive reading experience! Welcome to Preschool! At preschool, there are songs to sing, toys to share, and new things to learn! In this interactive, toylike board book, readers move one character on every spread as they engage with classic preschool activities, from story time and artmaking to playing and stretching. Young readers will feel a confidence boost with each action as they, too, become empowered to move within this new space called preschool. With six moveable characters throughout, there are plenty of new friends to meet and new activities to learn!

This hide-and-seek book is full of things to look at and talk about as you journey through the changing year. In every scene, there are different items to find. Learn all about the seasons as well as calendars through the ages in the fun and informative notes at the end of the story.

Our latest Mini Sticky Book is a portable hardcover containing a full-colour sticky notepad for easy note and list-taking at home or on the road. Maria Carluccio's beautiful watercolour work here for our magical mushroom Mini Sticky Book is a joy. Full of colour and brightness, she treats her mushrooms like a field of flowers. durable, pocket-sized, hardcover book cardstock and fabric inside pocket for business cards, cash, receipts, stamps, etc. 130 full-colour illustrated note sheets book measures 127 x 89mm. We choose the best images from well-known classic and contemporary fine artists, plus talented emerging illustrators and designers from around the globe. Maria Carluccio has received multiple awards for her work from the New York Society of Illustrators and 3x3 magazine. Her artwork can be seen on children's books, gift products, wall decor, and fabric.