Everything she knew about him rushed through her mind like a tidal wave.

Trees surrounded them from all sides, casting long inky shadows that would, at another time, have been scary. But there was no point in being scared of what might be lurking in the shadows when the biggest bad, of all big bads, was gazing at her intently.

Life is about juggling obligations, Valerie. You need to study smarter, not harder.

She tried to think of the right thing to say - something that would make him leave her alone. If she said she could defend herself he'd want her to prove it. But if she said she couldn't defend herself, then he'd take her out there to learn. This is so messed up.

This nation is about to be hit with a tidal wave of new retirees. In just six years, the baby boomers will begin to retire. The demands on Social Security and Medicare will be dramatically increased, ... This is no time to divert Social Security and Medicare funds to other purposes.

It's not a tidal wave now, but the ingredients are starting to fall into place.