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]
Rising above its associations with the annual hot-air-balloon festival, Albuquerque will this year set out to prove itself as a fully-fledged destination. The Sawmill District, just north of the historic Old Town, is being revived as a creative center, anchored by the arrival of the Hotel Chaco. The design of this boutique property, which opened in April, is inspired by the state’s indigenous culture, with handmade Navajo wool textiles and pueblo-inspired motifs. Come spring, downtown ABQ will also see the arrival of a new entertainment hub: the $40 million One Central, which will have a sleek bowling lounge, as well as upscale stores and restaurants. And just outside town, visitors will soon be able to experience the striking Sandia Mountains in a nail-biting new way. The proposed Mountain Coaster, an alpine sled-style ride that plunges riders down the mountainside in a total vertical drop of 380 feet, is due to open this fall. Getting to Albuquerque is becoming even easier, thanks to new nonstop flights from major U.S. cities via Southwest, United, and Alaska Airlines. —Melanie Lieberman 

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.
This year, Buenos Aires becomes a hub for art, sports, and politics: the inaugural Art Basel Cities program, the Youth Olympic Games, and the G20 will all take place in the city, beginning with the multi-year Art Basel initiative. Though the Argentinean capital is already home to an eclectic collection of galleries, Art Basel Cities promises to elevate Buenos Aires’ reputation in the global art scene by offering professional support for local artists, as well as lectures and workshops throughout the year to draw art lovers to the city.
Following the abrupt breakup of The Unicorns in 2004, members Nicholas Thorburn and Jamie Thompson simultaneously formed Islands and hip-hop group Th' Corn Gangg, and recorded Islands' debut album, Return to the Sea during 2005. The album was recorded at Breakglass Studio and Thompson's bedroom in Montreal, Canada, and was produced by audio engineer/record producer Mark Lawson.

Vincent Ingram (Traveler 001) recounts his arrival in the 21st century to his therapist, Dr. Perrow. Vincent's arrival was meant to be the first test of projecting human consciousness through time and he was intended to die in the fall of the World Trade Center on September 11, 2001, so as not to affect the timeline – but soon after arrival, he went off-mission and into hiding from the Director. Meanwhile, Mac and his team are being interrogated by the FBI about the Quantum Frame and its purpose, while David deals with the aftermath of the assassination attempt on his life.
The Director can invoke three other protocols in special situations: Protocol Alpha temporarily suspends all other protocols when a critical mission must be completed at all costs, Protocol Epsilon can be invoked when Traveler archives are threatened, and Protocol Omega permanently suspends all other protocols when the Director abandons the Travelers because the future has either been fixed or deemed impossible to fix.
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
The band played various shows around the US and Canada throughout mid-late 2005, followed by an opening slot for Metric on their early 2006 tour. After Return to the Sea was released in April 2006, the band embarked on their first full headlining tour, playing small clubs around the US and Canada throughout May. They were joined by Cadence Weapon and Why? on the first half of the tour, and Cadence Weapon and Busdriver on the second. The band generally received critical acclaim for their live shows, which sometimes ended with the band leading the audience out of the venue "pied piper style" and onto the surrounding streets.
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]
A picture-perfect trio of islands lapped by turquoise waters, the Maltese archipelago has all the charm of nearby Sicily with far fewer tourists. Valletta, the tiny nation’s capital and a UNESCO World Heritage site, feels like something plucked straight from Westeros. The historic walled city dates back to 1565, and has a vibe that’s Mediterranean with a North African twist. This underrated destination is finally stepping into the global limelight as a 2018 European Capital of Culture. To celebrate the occasion, the city has planned more than 140 projects and 400 events throughout the year. The festivities begin on January 20, with contemporary dance, a choral symphony, and acrobatic performances across the city’s four main squares. Should you miss the grand opening, swing by in February for Carnival, or in June for the Malta International Arts Festival and the Valletta Film Festival. —Diana Hubbell
In October 2015, Travelers acquired a majority interest in the property casualty business of its J. Malucelli joint venture in Brazil. J. Malucelli commenced writing property casualty business in 2012.[27] The property casualty business operates under the Travelers brand and focuses on property, general liability, construction and financial insurance products. The business is based in São Paulo.
It’s easy to see why this outcrop of land just an hour’s drive from Melbourne has long been a weekend retreat for the city’s well-heeled residents. Rolling vineyards in its interior give way to seaside villages and sandy shoreline. Travelers can swim with wild dolphins, visit wineries on horseback, or soar above the landscape in a gondola. And with a new flurry of openings, the region has begun to attract global attention. The latest addition is Point Leo Estate on the peninsula’s southernmost point. Set on 330 acres, it combines a tasting room, a 110-seat fine-dining restaurant, and a sculpture park, with more than 50 works by Australian and international artists like George Rickey and Inge King. Its arrival follows the launch of Jackalope, a seductive, art-infused boutique hotel neighboring a working winery. Elsewhere, Peninsula Hot Springs, a day spa set amid geothermal pools, is slated to unveil seven new pools and a new treatment list in 2018. —Carrie Hutchinson
Flight Abbotsford - Las Vegas (YXX - LAS) C$ 256+ Flight Vancouver - Las Vegas (YVR - LAS) C$ 256+ Flight Edmonton - Las Vegas (YEG - LAS) C$ 279+ Flight Toronto - Las Vegas (YHM - LAS) C$ 280+ Flight Victoria - Las Vegas (YYJ - LAS) C$ 288+ Flight Calgary - Las Vegas (YYC - LAS) C$ 303+ Flight Toronto - Las Vegas (YYZ - LAS) C$ 328+ Flight Kelowna - Las Vegas (YLW - LAS) C$ 331+ Flight Winnipeg - Las Vegas (YWG - LAS) C$ 359+ Flight Halifax - Las Vegas (YHZ - LAS) C$ 364+ Flight Ottawa - Las Vegas (YOW - LAS) C$ 366+ Flight Saskatoon - Las Vegas (YXE - LAS) C$ 378+

In an interview with Exclaim!, Nick Thorburn explained that the overhauled lineup was a product of his desire to try new things. "That's important to me ― to be able to constantly try new things. That's why this record's largely informed by electronic stuff like drum machines, sequencing, and programming, which really scales it back from the last record." [2] Thompson once again left the band prior to the summer 2010 tour, and was again replaced by Aaron Harris.
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.
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]
Flight Denver - Chicago (DEN - ORD) $79+ Flight Houston - Chicago (HOU - ORD) $91+ Flight Houston - Chicago (IAH - ORD) $91+ Flight Boston - Chicago (BOS - ORD) $97+ Flight Dallas - Chicago (DFW - ORD) $97+ Flight Minneapolis - Chicago (MSP - ORD) $97+ Flight New York - Chicago (LGA - ORD) $97+ Flight Washington - Chicago (BWI - ORD) $101+ Flight Atlanta - Chicago (ATL - ORD) $108+
As Canada's token middle child, Edmonton has long gotten short shrift amid its glitzier sisters (we're looking at you, Toronto and Vancouver). But no longer — food and museum news is casting a spotlight on Alberta’s capital city. After stints at Noma in Copenhagen and Manhattan's Daniel, chef Scott Downey returned to his hometown to open the Butternut Tree in September, with a focus on indigenous foods — grilled bannock with wild mushrooms and winged kelp; bison served with Saskatoon berry jus; maple-butter cake with black-currant jam. We're waiting to make our dinner reservations until the new Royal Alberta Museum opens its doors. Designed by Dialog architects on the site of a former Canada Post distribution center, the 419,000-square-foot space will include Ice Age horse fossils and a dig pit for children. To experience Edmonton’s indie side, stay at Crash Hotel, an homage to the Ace, which opened last winter. Its themed Hi-Fi room walls are lined with vintage speakers, and hangover pills are at the ready in the mini-bar. —Kathryn O’Shea-Evans
Resuming their hosts' lives, the team suffer paranoia and hallucinations of their future pre-Travel lives, side effects of the antitoxin. MacLaren's coworkers hold a surprise party for his 15th anniversary with the FBI. Kat confronts him about lying to Forbes; he seduces her, but she is still certain he is cheating. During their lovemaking, MacLaren hallucinates that Kat is a woman with very short hair, with Carly's number (3465) tattooed on her neck. After Rene attempts to shoplift some clothes with Trevor and another friend, Trevor confronts the two outside, in an alley. During a fight between Trevor and the other guy, Trevor possibly experiences a slippage of time, where his friend is able to connect with a punch. This will later develop into Trevor's diagnosis of temporal aphasia. Their intimacy growing, David reluctantly helps Marcy perform surgery on herself to prevent seizures. Carly rebuffs a representative of Child Protective Services. Trevor reins in his host's delinquency, and he and Renee meditate. Ray takes Philip to a twelve-step meeting for drug addicts and gets him a pet turtle to care for. Trevor and Philip learn the team has a new mission.
It’s easy to see why this outcrop of land just an hour’s drive from Melbourne has long been a weekend retreat for the city’s well-heeled residents. Rolling vineyards in its interior give way to seaside villages and sandy shoreline. Travelers can swim with wild dolphins, visit wineries on horseback, or soar above the landscape in a gondola. And with a new flurry of openings, the region has begun to attract global attention. The latest addition is Point Leo Estate on the peninsula’s southernmost point. Set on 330 acres, it combines a tasting room, a 110-seat fine-dining restaurant, and a sculpture park, with more than 50 works by Australian and international artists like George Rickey and Inge King. Its arrival follows the launch of Jackalope, a seductive, art-infused boutique hotel neighboring a working winery. Elsewhere, Peninsula Hot Springs, a day spa set amid geothermal pools, is slated to unveil seven new pools and a new treatment list in 2018. —Carrie Hutchinson
When historic rainfall pummeled California last February, the damage to Big Sur was severe. Mudslides cut off access to Highway 1, the region’s only thoroughfare, from the south; then a crack ripped through the Pfeiffer Canyon Bridge, blocking the northern end. Almost overnight, this 90-odd-mile stretch of craggy coastline — long beloved for its sense of remoteness — became an island. Nearly a year later, Big Sur is stirring back to life. The bridge has been replaced and a major slide has been cleared. After an elaborate renovation, the 160-acre Ventana Big Sur has reopened as the first Alila property in the U.S. — and is a luxurious rival to Post Ranch. The place is a stunner, whether you’re facing a forested canyon from the pool or enjoying pink and orange sunsets from the terrace. In addition to the plush ocean-view suites, clad in weathered wood, there are now glamping tents nearby that marry rusticity and comfort, with amenities like luxury linens and fire pits. —Jonah Weiner 

Three high-ranking Travelers are sent back by the Director to put Grace on trial for violating protocols, overwriting a person who was not assigned to be her host, and sabotaging the Grand Plan. Mac and the team must give testimony at the trial that will determine if she should be overwritten or not. Meanwhile, the Faction is trying to replenish its numbers by overwriting people with the stored minds in the Quantum Frame. It transpires the trial was staged by the Director to flush out a Faction member from within the three Travelers judging Grace, which it successfully does, this leading to Mac's team securing the Quantum Frame.
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

An island may be described as such, despite the presence of an artificial land bridge; examples are Singapore and its causeway, and the various Dutch delta islands, such as IJsselmonde. Some places may even retain "island" in their names for historical reasons after being connected to a larger landmass by a land bridge or landfill, such as Coney Island and Coronado Island, though these are, strictly speaking, tied islands. Conversely, when a piece of land is separated from the mainland by a man-made canal, for example the Peloponnese by the Corinth Canal or Marble Hill in northern Manhattan during the time between the building of the United States Ship Canal and the filling-in of the Harlem River which surrounded the area, it is generally not considered an island.
Flight Montreal - Toronto (YUL - YYZ) C$ 128+ Flight Montreal - Toronto (YUL - YTZ) C$ 212+ Flight Winnipeg - Toronto (YWG - YYZ) C$ 212+ Flight Halifax - Toronto (YHZ - YYZ) C$ 262+ Flight Fredericton - Toronto (YFC - YTZ) C$ 278+ Flight Saint John - Toronto (YSJ - YYZ) C$ 279+ Flight Québec City - Toronto (YQB - YTZ) C$ 288+ Flight Fredericton - Toronto (YFC - YYZ) C$ 306+ Flight Québec City - Toronto (YQB - YYZ) C$ 320+ Flight Moncton - Toronto (YQM - YYZ) C$ 326+ Flight Edmonton - Toronto (YEG - YYZ) C$ 338+ Flight Vancouver - Toronto (YVR - YYZ) C$ 352+ Flight Halifax - Toronto (YHZ - YTZ) C$ 359+ Flight St. John's - Toronto (YYT - YYZ) C$ 359+ Flight Abbotsford - Toronto (YXX - YYZ) C$ 367+
Landlocked Laos might be quieter than Southeast Asian neighbors like Vietnam and Thailand, but 2018 could transform the country into the region’s next hot spot. Wattay International Airport, in the capital of Vientiane, is set to complete a terminal expansion to accommodate more international links next year, but the biggest changes are foot in the UNESCO World Heritage–inscribed town of Luang Prabang, in central Laos. This serene riverside spot lures travelers to its golden Buddhist temples, French-colonial architecture, hiking trails, nearby elephant sanctuaries — and now, glamorous new digs. Last year, the design-forward Azerai opened inside a century-old French-colonial building that was formerly an officer’s quarters. The debut concept from Aman Resorts founder Adrian Zecha has airy, light wood interiors that nod to local culture in their use of batik textiles and Laotian artwork. There’s also an 80-foot swimming pool in a tree-shaded central courtyard. The upcoming Rosewood Luang Prabang aims to be a destination in itself. Opening in mid 2018, this highly anticipated resort will feature pavilion-style villas, luxury tents, and a spa that seems to float above the jungle. —Kate Springer 

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company. It is the second largest writer of U.S. commercial property casualty insurance and the third largest writer of U.S. personal insurance through independent agents. Travelers is incorporated in Minnesota, with headquarters in New York City and its largest office in Hartford, Connecticut. Travelers also maintains a large office in St. Paul, Minnesota.[1] It has been a component of the Dow Jones Industrial Average since June 8, 2009.[3]
No matter what your ideal getaway is, one thing is certain: the best vacations in Florida happen when you immerse yourself in the climate and culture, taking full advantage of the year-round warm weather, getting to know the native wildlife, tasting homegrown produce and Gulf-caught seafood and checking out the beaches, even from under a hat and tons of sunscreen. Book a foodie tour or pub crawl, dance the night away at a blues festival and wake up in time to make a mimosa toast along the water.

In March 2017, Travelers agreed to acquire UK-based Simply Business from Aquiline Capital Partners for approximately $490 million. Simply Business is a leading U.K. distributor of small business insurance policies, offering products online on behalf of a broad panel of carriers. It has more than 425,000 microbusiness customers covering more than 1,000 classes of business, and was named “Best Company to Work For” by The Sunday Times in 2015 and 2016. The transaction adds to Travelers' digital capabilities.[29][30][31]
Flight Montreal - Toronto (YUL - YYZ) C$ 128+ Flight Montreal - Toronto (YUL - YTZ) C$ 212+ Flight Winnipeg - Toronto (YWG - YYZ) C$ 212+ Flight Halifax - Toronto (YHZ - YYZ) C$ 262+ Flight Fredericton - Toronto (YFC - YTZ) C$ 278+ Flight Saint John - Toronto (YSJ - YYZ) C$ 279+ Flight Québec City - Toronto (YQB - YTZ) C$ 288+ Flight Fredericton - Toronto (YFC - YYZ) C$ 306+ Flight Québec City - Toronto (YQB - YYZ) C$ 320+ Flight Moncton - Toronto (YQM - YYZ) C$ 326+ Flight Edmonton - Toronto (YEG - YYZ) C$ 338+ Flight Vancouver - Toronto (YVR - YYZ) C$ 352+ Flight Halifax - Toronto (YHZ - YTZ) C$ 359+ Flight St. John's - Toronto (YYT - YYZ) C$ 359+ Flight Abbotsford - Toronto (YXX - YYZ) C$ 367+
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).

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
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
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.
With more than 300 days of sunshine each year, the southeastern corner of Washington state is home to three flourishing viticultural regions: the Columbia, Walla Walla, and Yakima Valleys. But in recent years Walla Walla has come into its own as the next must-visit destination for oenophiles, golfers, and cyclists. With more than 140 wineries producing European-style Syrahs, Cabernets, and Merlots, there’s no shortage of tasting rooms in the valley, which hosts four weekend-long wine events each year. The region gets its first high-end resort in February, when Va Piano winemaker Justin Wylie and James Beard Award–winning chef Jason Wilson open the 10-suite Eritage on a 300-acre plot north of the city of Walla Walla.
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+
In 1998, the Travelers Group merged with Citicorp to form Citigroup.[10] However, the synergies between the banking and insurance arms of the company did not work as well as planned, so Citigroup spun off Travelers Property and Casualty into a subsidiary company in 2002,[12] although it kept the red umbrella logo. Three years later, Citigroup sold Travelers Life & Annuity to MetLife.[13] In 2003, Travelers bought renewal rights for Royal & SunAlliance Personal Insurance and Commercial businesses.[14][15]
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).[14][15] 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.[16] 
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