New Releases by Patricia Beatty

Pepper Jane is a quite outspoken 3 1/2 year old. She is used to being the "only" child. And would just as soon keep it that way. Mom has a way of , hopefully, soothing the issue...at least temporarily.

THE ANNOTATED NATIONAL CREDIT CODE has an established reputation as an invaluable guide to the Code and Regulations. It is an essential reference for financial institutions, retailers, financiers and consumer advocates as well as practitioners to ensure their compliance with Code obligations. The move towards federal regulation of the industry has resulted in a single, standard, national regulation of consumer credit. This has a significant impact on any person involved in the origination, management or enforcement of consumer credit. The code also applies to those who provide credit to purchase, renovate or improve residential property for investment purposes. Among other things, the new regulatory framework will create a new licensing system, impose responsible lending requirements and extend regulation to apply to the finance broking industry. Professionals in the field must acquaint themselves with the new framework. This is the only book to focus solely on the Code. It is a practice oriented guide that provides detailed and comprehensive annotations and explanations. Practitioners will find this book invaluable in dealing with the new federal scheme and understanding the new responsibilities placed upon credit providers and the penalties for breach.

"This subscription work, which will be delivered in both looseleaf and online formats, is focused on assisting lawyers and accountants tasked with advising their clients as to what they need to do to comply with the Anti-Money Laundering and Counter -Terrorism Reforms. Its key elements include legislation, with the primary Act annotated. It also contains related legislation and other materials." -- Provided by publisher.

To help her poverty-striken family, thirteen year old Lupita enters California as an illegal alien and starts to work while constantly on the watch for "la migra."

Revised and updated second edition. Annotated version of the Consumer Credit Code and Consumer Credit Regulation 1995 with explanatory commentary. Revisions are in response to recent cases and legislative changes. Includes new commentary on recent Code cases, lessons learnt from Code litigation, and the October 2000 Code amendments. Includes index and tables. Authors are banking and finance partners with Mallesons Stephen Jacques.

During the closing days of the Civil War, plucky 12-year-old Hannalee Reed, sent north to work in a Yankee mill, struggles to return to the family she left behind in war-torn Georgia. "A fast-moving novel based upon an actual historical incident with a spunky heroine and fine historical detail."--School Library Journal. Author''s note. "There are few authors who can consistently manage both to entertain and inform." --Booklist

To help her poverty-stricken family, 13-year-old Lupita enters California as an illegal alien and starts to work while constantly on the watch for "la migra."

Marcella Abbott can''t believe it. Her family is giving up their house in Portland, Oregon, and their comfortable life in the city to live year-round on Washington State''s Olympic peninsula when her father''s business is ruined. Nahcotta''s okay for the summer, but Marcella doesn''t much like the peolple who live there. In fact, she thinks they''re stupid, oafish, country bumpkins. But three things change her mind forever: a new friend, a beached whale, and the incredibly mysterious "lady from the sea."

In 1893 four girls befriend an old lady and try to find seven shades of red for the special quilt she wants to make.

A widow and her two children head for gold rush territory in Idaho, hoping to find jobs and a new life.

A library in a saloon? In a general store? Sounds crazy, but not to 13-year-old Fayette Ashmore''s mother. During the summer of 1916, her job is to establish libraries wherever she can in the rugged country surrounding the town of Monterey, California. Escorted by a mule-driver nicknamed Possum, Mrs. Ashmore and her two children soon find themselves in all kinds of crazy situations.

In 1861 twelve-year-old Truth, a Quaker girl from Indiana, is staying with relatives who run a North Carolina station of the Underground Railroad, when her world is changed by the beginning of the Civil War.

In 1865 with the war recently over, fourteen-year-old Hannalee and her recently reunited family decide to start a new life in Atlanta where, because of the need to rebuild the devastated city, jobs are plentiful. Sequel to Turn Homeward, Hannalee.

The heart-pounding story of a Texan boy''s transformation to a Comanche brave and back again. With Pa off fighting in the Civil War, Lewallen Collier and his little sister are captured in a bloody Comanche raid. Admiring Lewallen''s courage, the Indians give him the name Sings His War Song and try to teach him the ways of a young brave. But Lewtie dreams only of escape -- and of the day he can return to rescue little Eula Bee.

A thirteen-year-old powdermonkey in the Confederate navy joins the crew of the ironclad Merrimack in a mission to break the Union blockade of Norfolk harbor.

A preacher''s daughter with lots of curiosity and a penchant for getting into trouble has an eventful year and a half, as all the predictions of a fortune-teller at a Texas county fair in 1898 come true.

A stagecoach that vanished without a trace...$40,000 in stolen payroll money...a jewel-studded belt buckle -- they are all pieces of a 110-year-old mystery, that Paul Braun is determined to solve. While the thirteen year-old Easterner is visiting his grandmother in Colorado, she gives him a heart-decorated belt buckle that had belonged to a distant, vaguely remembered relative. Intrigued by the odd-looking heirloom, Paul and his new friend, an American Indian bo), named Jay Jenkins, hunt through dusty attic trunks and yellowing newspaper clippings trying to discover more about its enigmatic owner. Suddenly, their search uncovers an ever) more perplexing puzzle -- the still-unsolved disappearance of a stagecoach, its passengers, and the fortime in gold it was carrying. Men his ruby-studded buckle is stolen, Paul realizes that it could possibly be the key to the whereabouts of the long-vanished coach -- and that, even today, someone is intent on preventing anyone from unlocking its terrible secret, Drawing from a true incident in the American West''s rich past, master storyteller Patricia Beatty combines fast-paced plotting and a fascinating set of characters to weave this exciting tale of adventure and suspense.

In the years 1893, sensible thirteen-year-old Melinda, finding herself stranded in the Colorado town of Goldendale, promptly becomes involved in the townspeople''s lives and assorted problems.

Thirteen-year-old Jonathan accompanies his luckless miner father to the gold fields of Australia, where he learns to be his own man amidst the rough-and-ready society of nineteenth-century Victoria.

To help her poverty-stricken family, thirteen-year-old Lupita enters California as an illegal alien and starts to work while constantly on the watch for "la migra."

After the casual adoption practices in 19th-century Texas result in three unsuccessful placements for a 13-year-old girl, she is finally forced to face the placement she has tried so hard to avoid.

The Staffordshire terrier 13-year-old Cissie raises from an orphaned pup is stolen by her uncle and entered in illegal dogfights.

A 13-year-old living in a turn-of-the-century California mining town determines to marry off her adoptive brothers and discover the identity of her real parents.