The society of beach-combers always repays the small pains you need be at to enjoy it. They are easy of approach and affable in conversation.

[The Angels] dropped a snowman early on us [Saturday] and we built a snowman early too.

Frank of Civilities that cost them nothing.

Microfinance, once a relative cottage industry championed by antipoverty activists and development wonks, is on the verge of a revolution, with billions of dollars from big banks, private-equity shops and pension funds pouring in.