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...work as a unit to finish a devilishly designed course and stagger across the finish line together in the fastest time possible. Although the sport was first taken up by rugged outdoorsmen, women have embraced it enthusiastically. Because teamwork and stamina are as important as brute strength, coed teams tend to finish higher than all-male ones, says Troy Farrar of the U.S. Adventure Racing Association (USARA), and it isn't unusual to see parents and their children canoeing and rappelling together...

Author: /time Magazine | Title: Paddle Faster, Mom | 5/5/2003 | See Source »

Robert Kerley used to keep his money with a big national bank, and every time he visited his branch, he felt like a walking account number. Tellers rarely greeted him by name, as he had come to expect in Winona, Minn., a town of 27,000 where people tend to know one another. And despite being a longtime customer, he would be fingerprinted with invisible ink when he wanted to make multiple transactions...

Author: /time Magazine | Title: Banking: Big Little Lenders | 5/5/2003 | See Source »

...members. Roughly 60% of credit unions are federally chartered (the rest have state charters) and supervised by the National Credit Union Administration. Nearly all, including state-chartered credit unions, are federally insured. Most provide the basics (checking and savings accounts, credit cards and home and car loans), and they tend to offer lower fees and loan rates than banks, and higher returns on deposits...

Author: /time Magazine | Title: Banking: Big Little Lenders | 5/5/2003 | See Source »

...sold out next year. There are 500 foreign franchises, in Mexico, Canada and several European countries, and he plans to step up expansion in those markets. (Heavin tweaks the formula to accommodate local preferences. Curves locations overseas, for instance, have showers, amenities not offered to American women because they tend to prefer the privacy of their own bathrooms.) Curves, a book of workout and diet advice co-authored by Heavin, is hitting stores now. The women keep coming, hoping for better bodies--without having to be surrounded by them...

Author: /time Magazine | Title: Franchising: A Slim Gym's Fat Success | 5/5/2003 | See Source »

...exempt investors tend to be a conservative bunch. So they may be excused for choking on the sudden sickliness of so-called state tobacco bonds. These unusual securities, whose prices have bucked wildly, are a small part of the $1.8 trillion U.S. municipal-bond market. But they've infected other bonds, boosting volatility and hurting prices. Yet some bargains have emerged...

Author: /time Magazine | Title: Light These | 5/5/2003 | See Source »

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