Excerpts.... The moment he cautiously slipped his fingers under her clothes, he felt the heat that had the potential of scorching the lines on the palm of his hand and change his fate forever. Very slowly, he rested the tips of his left hand fingers, on the skin of her breasts, which were moist with the sweat. She stirred slightly and her clothes made way to a deeper glance of appreciation for Justin. Her areola-the brown skin around her nipples-was now partially exposed.... 'GOD WRITES YOUR destiny' means one's destiny takes shape according to the laid down principles of the Word of God. That is why even the predestined by God may undergo change of course during their lives based on how they align their actions with reference to the Word. It was predestined for King David of Israel that his kingdom would be an everlasting one. Nevertheless, in conjunction to various actions initiated by him during his life, King David journeyed through the valleys of trial and tribulations before his predestined life could achieve 'the purpose' centuries later, in the coming of the promised 'Messiah' to establish the kingdom.... 'Am I kissable?' she questioned, at which Justin nearly fell off his chair. 'I don't understand what are you getting at?' Justin said in an alarmed voice. 'A simple and straightforward question and I expect to hear a simple and straightforward answer from a man like you. Am I kissable?' Sushmita continued her query in a very assertive way. All this talk was taking a toll on Justin. He was fighting within himself, trying hard to suppress his base instincts that by now were trying to get the better of him. 'How would I know?' Justin said with a confused expression on his face. Sushmita was now sitting so close to him that he could feel the heat radiate from her body. Her face was close in a very titillating way; her lips, soft and parted. 'H-How would I know?' he stammered again in a whisper. 'Find out for yourself ', Sushmita sounded as if from a distance.... After all, even Americans were not completely untouched by this globally inherent nature of human beings-segregating themselves on the basis of race, colour, nationalities, etc. In fact, segregating oneself is not as bad as harboring a biased opinion against each other is. Here in America, even though the demarcation of race, colour and nationalities seemed somewhat blurred and such practices vehemently opposed, one could definitely feel the undercurrents. The very first thing that God thought and said while creating human race is amply clear from the scriptures: Then God said, 'Let Us make man in our image, according to our likeness...'. (Genesis 1: 26) It seems that nowhere in the world, be it developed world, developing world or the third world countries, the concept that everyone is created by God after His own image and likeness is really and truly understood and appreciated by us humans, to shun any thought of preeminence over each other. Even the nomenclature 'developed world, developing world and the third world countries' smacks of a great divide in the mind set of human beings.... A 'bubble' is something which has virtual mass inside. No real mass, no real substance-'Nada'. One day, all of a sudden because of the great pressure that built up, the 'bubble' burst and the multitude of people sitting atop and enjoying the worldview fell to the ground with a great thud. The fall was so great that the earth shook and the ripple effect traveled like a 'tsunami', far and beyond touching the lives of all and sundry in the nations of the world. The affluence, the surplus, the tower of Babel, everything that identified with riches vanished overnight. Cash flow stopped, aptly replaced by the deluge of the financial tsunami that encompassed all, rich and poor. From financial institutions to the man on the main street, everyone turned debtors overnight. The times became a classic case of debtors asking their debtors to repay....