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. 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.
Almost all of the Earth's islands are natural and have been formed by tectonic forces or volcanic eruptions. However, artificial (man-made) islands also exist, such as the island in Osaka Bay off the Japanese island of Honshu, on which Kansai International Airport is located. Artificial islands can be built using natural materials (e.g., earth, rock, or sand) or artificial ones (e.g., concrete slabs or recycled waste). Sometimes natural islands are artificially enlarged, such as Vasilyevsky Island in the Russian city of St. Petersburg, which had its western shore extended westward by some 0.5 km in the construction of the Passenger Port of St. Petersburg.
The jewel of the Adriatic Sea, Croatia is home to more than 1,200 islands, but travel between them has long been dictated by expensive yacht charters and sluggish public ferries. In 2018, that’s set to change, now that UberBOAT, from the popular ride-sharing app, has launched on-demand transfers and private tours along the Dalmatian Coast. Hit the high seas in the direction of Šolta, a hilly isle a mere nine nautical miles from Split (the second-largest city in Croatia).
Marcy puts herself in a near-death state to recover her lost memories from when she was reset. The memories she receives include those of the original host Marcy, showing that the host's intellectual disability was caused by Vincent/001 testing Simon's incomplete consciousness transfer technology on her. While she is out of commission, Mac and the rest of the team are ordered to provide Hall with backup in protecting the future 53rd President of the United States, who is currently a prepubescent girl.
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
Carly loses custody of her son until the trial. Grace is due to die, so Trevor kidnaps her to save her life. Believing he is insane, she flees and is overwritten despite having avoided the accident that would have killed her. Grace and another newly arrived traveler, Ellis, are computer programmers who have fled an anti-Director faction in the future. Ellis has developed a code that is sought by this faction, and has returned to the 21st century to keep it from them. David and Marcy consummate their relationship. However, her condition worsens and Boyd stabilizes her, but Marcy is near death. In the future, Grace was in charge of social media research and identifying the candidates. She wants to correct Marcy's condition with an experimental overwrite. She offers to redirect Marcy's original transfer into the functional part of her brain, saving her at the cost of her 21st-century memories. MacLaren lets Marcy decide, and she decides to speak to David first. However, her condition becomes critical shortly before David returns home, and she is overwritten by her earlier self. Her team introduces her to David.
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For proof of Abu Dhabi’s burgeoning status as the cultural capital of the Middle East, look no further than Saadiyat Cultural District, which is quickly becoming a treasure trove of world-class art and groundbreaking architecture. The multibillion-dollar initiative has already resulted in one major project, the Jean Nouvel-designed Louvre Abu Dhabi, which opened in November. Though its construction was controversial, the museum has quickly become the premier creative beacon in the Emirates. Work is under way nearby on the Zayed National Museum, by Norman Foster; the Abu Dhabi Performing Arts Centre, by Zaha Hadid Architects; and the Frank Gehry-designed Guggenheim Abu Dhabi, which when completed will be the largest Guggenheim museum in the world. The city’s hotel-building campaign is also in full swing: this year Marriott debuted a 400-room hotel in the Al Forsan sports center, and next year will see the opening of the Abu Dhabi Edition and Saadiyat Rotana Resort & Villas. —Dylan Essertier
The Greek highway system has seen several recent upgrades, with a new route making the 2,000-year-old olive trees and lesser-visited ruins of the Peloponnese, the country’s southernmost swathe of mainland, more accessible. Completed in late 2016, the new A71 highway from Lefktro to Sparta shaves off two hours of driving time from Athens, and has also connected the Lefktro region to nearby Kalamata Airport, about 90 minutes away. Meanwhile, ports have been expanded at Gytheio and Katakolon — the latter a stopping point for the Viking Star, which launched in 2014. Farming is still integral to the region, and agritourism resorts like Eumelia constantly refresh their food and wellness-themed workshops, in addition to serving local dishes like maniatiki pasta with dry mizithra cheese, and moustokouloura, or cookies made with grape molasses. Goddesses seeking more temple-like accommodations should head to Porto Heli, on the eastern side of the Peloponnese, where everyone is talking about Amanzoe’s new Villa 31, a serene space with grandstand views of the surrounding coastline that contains a unique installation by light artist James Turrell. —Adam Harney Graham
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