Saint Paul Fire and Marine Insurance Co. was founded March 5, 1853, in St. Paul, Minnesota, serving local customers who were having a difficult time getting claim payments in a timely manner from insurance companies on the east coast of the United States. It barely survived the Panic of 1857 by dramatically paring down its operations and later reorganizing itself into a stock company (as opposed to a mutual company). It soon spread its operations across the country. In 1998 it acquired USF&G, known formerly as United States Fidelity and Guaranty Company, an insurance company based in Baltimore, Maryland, for $3.9 billion in stock and assumed debt.[5][6] By buying USF&G, they went from the 13th to the eighth largest property and casualty insurance company in the United States. Through economies of scale between the two companies, and a difficult business environment, they downsized the company substantially over the coming years by selling certain business units to focus on more profitable business units.[7][8]
Travelers was founded in 1864 in Hartford. It was founded to provide travel insurance to railroad travelers at a time when travel was far more risky and dangerous than today, hence the name. Along the way it had many industry firsts, including the first automobile policy, the first commercial airline policy, and the first policy for space travel.[9] In 1954 it established the world's first privately owned weather research facility, the Travelers Weather Research Center, the first organization to make weather predictions using probabilities ("20% chance of rain"). By the early 1990s, Travelers was predominantly a general property and casualty insurer that also happened to do some travel insurance on the side, and it quietly exited its original business in 1994. What was left of Travelers' travel insurance business was acquired by three former employees and is now known as Travel Insured International, a Crum and Forster Company.
Couples retreats are common along the coastal areas and several luxury hotels offer “pet packages” for those who choose to bring their pups. Sample local beer at one of the many breweries located throughout the state, many of which offer behind-the-scenes tours, along with dozens and dozens of fine wineries as well. Stay in a cabin where Wi-Fi signals are nil or enjoy a modern urban hotel with dozens of fine restaurants, trendy bars and cultural landmarks within walking distance. 

Move over, Croatia. Long overshadowed by its neighbor to the northwest, Montenegro is ready for the spotlight. The ancient city of Kotor is already attracting plenty of visitors, like the celebrities vacationing at luxurious boutique hotel Forza Terra, just outside the medieval walls, not to mention the hundreds of thousands of cruisers who’ve arrived with companies like Viking, Celebrity, and Princess. The swank marina Porto Montenegro is thriving in the formerly sleepy coastal town of Tivat, and the complex’s Regent hotel unveiled an expansion in 2017. Nearby, luxury development Luštica Bay is slated to open this summer, with plans for villas, a golf course, and a five-star Chedi hotel. Further west on the Bay of Kotor’s jagged coastline is the site of the country’s most anticipated arrival, the One&Only Portonovi, which will be the brand’s first European outpost when it opens this summer. Plans for the resort, situated on a 60-acre site overlooking the Adriatic, include 140 villas and residences, a tennis club, and a spa. —Meredith Bethune
Finland’s Archipelago Sea is the world’s largest, with 25,000 miles of shoreline and innumerable islands. Still off the beaten track for international tourists, who gravitate toward Helsinki in summer and Lapland in winter, the archipelago is the well-kept secret of the Finns, generations of whom flock to family-owned islands. And there’s never been a better time to join them, with increased airlift — including transatlantic flights on Norwegian Air starting around $350 — and a burgeoning food and beverage scene in nearby Turku, Finland’s medieval capital. (Start at the Kauppahalli, or market hall, where the salmon is as fresh and flavorful as a summer tomato.) The archipelago has a subarctic glamour, with eerie, sunlit summer nights and dark winter days, its rocky, tree-lined islands dotted with storybook wooden cottages. Hike, bike, or drive the islands; or hole up on one all your own. —Molly McArdle 

The Faction sets off nuclear blasts that destroy all of the Travelers' archives outside the US. David, left for dead by the Faction in the last surviving archive, is the only person who can disarm the nuclear device. He succeeds but is exposed to lethal radiation. Kat's suspicions about MacLaren, temporarily allayed, surge again and she throws him out – for her the marriage is over as she feels he is no longer the man she first met. Jeff tries to escape from interrogation by 001; he is eventually found having been walled up. Marcy hopes the Director will send a Traveler medical team to save David but no help arrives. In the moment before he dies, David conveys a message from the Director: "Protocol Omega."
Travelers was founded in 1864 in Hartford. It was founded to provide travel insurance to railroad travelers at a time when travel was far more risky and dangerous than today, hence the name. Along the way it had many industry firsts, including the first automobile policy, the first commercial airline policy, and the first policy for space travel.[9] In 1954 it established the world's first privately owned weather research facility, the Travelers Weather Research Center, the first organization to make weather predictions using probabilities ("20% chance of rain"). By the early 1990s, Travelers was predominantly a general property and casualty insurer that also happened to do some travel insurance on the side, and it quietly exited its original business in 1994. What was left of Travelers' travel insurance business was acquired by three former employees and is now known as Travel Insured International, a Crum and Forster Company. 

In 2018, four unconnected people suddenly undergo personality changes at what would have been their moments of death: Marcy, a young, intellectually disabled woman, is assaulted but fights off her attackers and is no longer impaired; high-schooler Trevor concedes a mixed martial arts fight after being overmatched; heroin-addicted college student Philip drops his syringe just as his roommate injects a fatal overdose; and young mother Carly stares down her baby's abusive father. FBI agent MacLaren tracks their subsequent communication and confronts them; they reveal that they are among thousands of time travelers sent from the future to avert a global crisis, and that MacLaren was to die that night while pursuing a murderer they have already killed; MacLaren is taken over by a fifth traveler, who happens to be the team's leader.
During an update for historians, one of them dies from cerebral overload and is taken over by another traveler. The faction then breaks in and kidnaps the historians. A Blackbox is a device used to extract information from an unconscious or dying person and the team uses one to access a critically injured Hall to ascertain the location of historians. Jeff reaches out to his police sergeant to get his job back and is told to get help from a social worker first. Philip is questioned by the faction. Philip is given time with Kyle as a gesture of good will, who states that he sympathizes with the faction's goal, especially since he just saw another historian die during the update. Faction saves a TELL that Kyle provided to gain his support. Jeff reaches out to David to sign his therapy form for him to get his job back. David agrees to help as a social worker with Jeff's addiction, which the traveler doesn't actually have. Hall is able to relay information from when he was tracking his team's historian showing he ran into a faction team and was shot climbing a fence. He reveals that it was Kyle and Luca from his own team that shot him. Hall is able to show the team the location of the historians and the team is dispatched. While with David, Jeff receives a message to meet up at the location for tactical support. Philip is able to escape before being cornered by Kyle and Luca. Maclaren's team shows up just in time to save Philip and kills Luca and Kyle. The team saves all the historians while taking out many of the faction. Hall is told he saved them all and is able to pass away in peace knowing that. Jeff and Carly reconnect. Philip is seen throwing out his yellow pills that historians have to take.
The word island derives from Middle English iland, from Old English igland (from ig or ieg, similarly meaning 'island' when used independently, and -land carrying its contemporary meaning; cf. Dutch eiland ("island"), German Eiland ("small island")). However, the spelling of the word was modified in the 15th century because of a false etymology caused by an incorrect association with the etymologically unrelated Old French loanword isle, which itself comes from the Latin word insula.[3][4] Old English ieg is actually a cognate of Swedish ö and German Aue, and related to Latin aqua (water).[5]
An island or isle is any piece of sub-continental land that is surrounded by water.[2] Very small islands such as emergent land features on atolls can be called islets, skerries, cays or keys. An island in a river or a lake island may be called an eyot or ait, and a small island off the coast may be called a holm. A grouping of geographically or geologically related islands is called an archipelago, such as the Philippines.
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Those who think they’ve seen and done it all in the Bahamas should think again. Baha Mar, the multibillion dollar hotel and casino development on Nassau’s Cable Beach, will be fully up and running when Rosewood resorts launches there this spring. (Baha Mar’s Grand Hyatt and SLS properties are already drawing visitors with their sophisticated, contemporary rooms.) On neighboring Paradise Island, the iconic Ocean Club resort is under new management with Four Seasons. And at Atlantis, the adults-focused Cove resort now has an outpost of Sip Sip restaurant, Julie Lightbourn’s Harbour Island favorite, while the family-friendly Coral Towers debuted a new lobby, guest rooms, and pool courtesy of star hotel designer Jeffrey Beers. And T+L’s World’s Best winner Kamalame Cay has added stylish beach bungalows — stand-alone suites that start at a whopping 450 square feet and feature private verandas and outdoor showers. —Jacqueline Gifford
Flight Boston - London (BOS - LHR) $303+ Flight New York - London (JFK - LGW) $334+ Flight New York - London (JFK - LHR) $336+ Flight Newark - London (EWR - LHR) $340+ Flight Dallas - London (DFW - LHR) $358+ Flight New York - London (LGA - LHR) $372+ Flight Chicago - London (ORD - LGW) $374+ Flight Newark - London (EWR - LCY) $386+ Flight Chicago - London (ORD - LHR) $387+ Flight New York - London (JFK - LCY) $390+ Flight Newark - London (EWR - LGW) $399+ Flight Washington - London (IAD - LHR) $410+ Flight San Francisco - London (SFO - LHR) $417+ Flight Los Angeles - London (LAX - LHR) $422+
Although the former Soviet republic might seem remote, Uzbekistan once sat at the very center of the world. In the first millennium, no traveler could pass from Asia to Europe without stopping in the Silk Road strongholds of Bukhara and Samarkand, and as a result these cities evolved into rich cultural centers. For intrepid travelers, today’s Uzbekistan is a promised land: a Muslim-majority nation that’s both safe and affordable, with few tourists and an abundance of well-preserved mosques and harems. And since the death of authoritarian president Islam Karimov last year, the new regime has taken steps toward reform that have given both Uzbeks and the international community reason for optimism. Improving relations with Iran could soon bring a rail link to the Persian Gulf, and in 2016, the Afrosiyob high-speed-train line began connecting the country’s major cities. Meanwhile, Uzbekistan should benefit from the so-called Iron Silk Road, or Trans-Asian Railway — a Chinese-funded network of routes knitting together Beijing and Europe — once a segment connecting the country through Kyrgyzstan is completed. Book a customized journey with Exeter International, which specializes in the region. —Heidi Mitchell
One type of volcanic oceanic island is found in a volcanic island arc. These islands arise from volcanoes where the subduction of one plate under another is occurring. Examples are the Aleutian Islands, the Mariana Islands, and most of Tonga in the Pacific Ocean. The only examples in the Atlantic Ocean are some of the Lesser Antilles and the South Sandwich Islands.
Last summer, the museum expanded its artistic footprint by over 130,000 square feet, making it the largest contemporary art space in the country. The new Building 6 houses long-term installations by artists like James Turrell, Louise Bourgeois, and Jenny Holzer. Two new museums are still in the works for North Adams, both spearheaded by former Guggenheim director Thomas Krens. At the Global Contemporary Art Museum, curators will work directly with artists to acquire and commission site-specific pieces, while the Extreme Model Railroad & Contemporary Architecture Museum will showcase works by the likes of Frank Gehry and Zaha Hadid, all built in miniature as part of an elaborate model train system. Design is also top-of-mind at Tourists, a modern take on the roadside motel that’s set to open this summer. The resort — situated on 55 acres at the convergence of the Appalachian and Mohawk Trails — will have 48 rooms, each with floor-to-ceiling windows that put the focus on surrounding vistas. —Fiorella Valdesolo

Flight Atlantic City - Fort Lauderdale (ACY - FLL) $89+ Flight Atlanta - Fort Lauderdale (ATL - FLL) $105+ Flight Denver - Fort Lauderdale (DEN - FLL) $107+ Flight Houston - Fort Lauderdale (HOU - FLL) $111+ Flight Houston - Fort Lauderdale (IAH - FLL) $111+ Flight Philadelphia - Fort Lauderdale (PHL - FLL) $111+ Flight Washington - Fort Lauderdale (BWI - FLL) $113+
The capital may be set on banks of the Potomac, but it’s never had a reputation as a great waterfront city. That could all be about to change, thanks to the $2.5 billion, 24-acre District Wharf, which opened in October just south of the National Mall. The shiny new InterContinental Washington D.C.-The Wharf offers access to the development’s new parks, music venues, 50-plus shops, and 20 restaurants — which include projects from area chefs like Fabio Trabocchi, Mike Isabella, and wunderkind Kwame Onwuachi. This is also set to be a banner year for culture: the Freer and Sackler galleries, sister museums that champion Asian art, recently reopened after a 20-month renovation, the National Gallery of Art will host the first-ever show dedicated to Cézanne’s portraits from March to July, and the Kennedy Center continues its inaugural season of hip-hop programming curated by Q-Tip. —Brooke Porter Katz
Our travel experts — from travel writers around the globe to T+L's A-List travel advisors to our own editors — offer their recommendations. Then, we take a look at what places are now at the forefront of the global conversation, whether for new hotels and museums or major international events. In any given year, the cities and countries we recommend as the best places to travel in the world have a lot going on. And of course, we think about those travel destinations that are perennial favorites to determine which ones are reinventing themselves, ensuring there’s always something new to explore.
Kathryn confronts MacLaren about an affair she believes he is having, leading him to end his relationship with Carly. Charlotte, the misfire historian, is overwritten and murders her team. She attempts to assassinate Grace, but Trevor stops her. Grace reveals that the anti-Director faction was responsible for the team's abduction. Charlotte is shot by Jeff while attempting to kill Carly. Ellis reveals that he has built a quantum frame that the Director, an advanced AI, can use to travel to the present to escape the faction. David is held at gunpoint by another assassin but is saved by Marcy. The team arrives at the farm where Trevor has received a text to destroy the frame. Boyd reveals she received an order to kill MacLaren and holds him at gunpoint; Carly later reveals having been given the same mission. Assassins surround the farm as Ellis shoots Trevor to keep him from harming the frame. Grace jumps in front of Trevor and is shot as well. Ellis shuts down the perimeter shield in the hope that the Director will help them and delivers a message to destroy the frame shortly before he dies. It is revealed that the people surrounding them are not anti-Director assassins, but FBI agents led by Forbes.
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The Big Easy turns the Big 3-0-0 this year, and in this city where the good times roll, the parties will be epic — think citywide art shows, supersized Mardi Gras parades, and a festival of lights using landmark buildings as backdrops. Thirteen years after Hurricane Katrina, there is much to celebrate: The Central Business District, once a dead zone after dark, now crackles at all hours thanks to four new hotels (the Ace, Troubadour, Catahoula, and NOPSI), each with its own rooftop bar. The neighborhood is also home to new restaurants like Maypop — a Vietnamese-Creole joint from acclaimed chef Michael Gulotta. Another area coming to life is the three-mile riverfront, where a renovated Spanish Plaza will reopen this spring. More riverfront updates, including a new Four Seasons Hotel, will roll out in the next few years. Toast the tricentennial at the Sazerac House, a French Quarter museum dedicated to the official cocktail of New Orleans, opening later this year. —Allison Entrekin
Finland’s Archipelago Sea is the world’s largest, with 25,000 miles of shoreline and innumerable islands. Still off the beaten track for international tourists, who gravitate toward Helsinki in summer and Lapland in winter, the archipelago is the well-kept secret of the Finns, generations of whom flock to family-owned islands. And there’s never been a better time to join them, with increased airlift — including transatlantic flights on Norwegian Air starting around $350 — and a burgeoning food and beverage scene in nearby Turku, Finland’s medieval capital. (Start at the Kauppahalli, or market hall, where the salmon is as fresh and flavorful as a summer tomato.) The archipelago has a subarctic glamour, with eerie, sunlit summer nights and dark winter days, its rocky, tree-lined islands dotted with storybook wooden cottages. Hike, bike, or drive the islands; or hole up on one all your own. —Molly McArdle
Travel to the Danish capital has jumped more than 80 percent in the past decade, thanks in part to René Redzepi’s influential Noma restaurant (slated to reopen in its new location in February), as well as Scandinavian Airlines’ ongoing flight expansion. Today, Copenhagen is teeming with inspiring places to eat and drink, in addition to a number of sleek new hotels — so much so that the New Nordic food, beverage, and design movement has now spread worldwide. Even before it debuted in July, Restaurant Barr — the beer-centric boîte by Redzepi and chef Thorsten Schmidt that occupies the old Noma plot — was already garnering international attention. Then there’s Apollo Bar & Kantine, the recently minted, design-focused restaurant in the Kunsthal Charlottenborg gallery from Frederik Bille Brahe, proprietor of hit café Atelier September. Brothers Mikkel Borg Bjergsø and Jeppe Jarnit-Bjergsø, of Mikkeller and Evil Twin Brewing, respectively, have in the last couple of years introduced the world to experimental Danish craft beer, and their brews can now be sampled at bars and beer halls across Copenhagen and beyond. Stylish new places to stay, such as Hotel Danmark and Sanders, as well as a revamp of the classic, Arne Jacobsen–designed Radisson Blu Royal Hotel, reinforce the reasons the Scandinavian aesthetic is so popular right now. —Kat Odell
The team track down Simon (Traveler 0004), a specialist who developed the consciousness transfer technology in the future, who was sent into a host body that developed schizophrenia after arrival. Simon, who set up the Travelers' communications system in the 21st, is haunted by hallucinations of Vincent, who previously convinced an institutionalized Simon that the Director wanted him to next build transfer technology in the 21st.
Florida vacations can be anything you want them to be. Whether your idea of a great time is camping in a nature preserve, building sand castles, shopping at outlet or boutique malls, trying local cuisine at fine restaurants, tubing down rivers or riding roller coasters, tailoring a trip to your own level of adventure or relaxation is easy when you visit Florida. The state is filled with things to do, people to meet and places to explore, and each region, city and neighborhood has carved out its own identity, suiting a variety of visitors of all ages.
U.S. travelers have historically overlooked Mauritius in favor of other Indian Ocean destinations like the Seychelles and Maldives. That could all change, though, now that this remote, idyllic island some 1,200 miles off the African coast has become easier to reach. A flurry of new airline services launched at the end of 2017: KLM began servicing Mauritius from Amsterdam, and British carrier Thomas Cook Airlines introduced biweekly flights in November. Upon arrival, travelers can take in dreamy lagoon views from the newly reopened One&Only Le Saint Géran, fresh off a multimillion-dollar renovation. Every room and suite now has a private terrace or balcony, marble baths with cascade showers, and sophisticated teak, stone, and leather accents. Guests can also look forward to updated dining experiences — like lunch spot La Pointe, which grills fresh-caught seafood over firewood and coconut embers, or open-air restaurant La Terrasse, which offers Mauritian specialties. Unchanged at Le Saint Géran is its aura of exclusivity, thanks to the resort’s unique position on a private peninsula jutting out from the island’s eastern shore. —Melanie Lieberman
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