a pin number (or password) locking your phone will make it much more secure and keep data out of the hands of a potential thief. obtain current water and weather conditions in advance when boating. a view from the back of the room, looking toward the front entrance. although i’m not sure i’d bet the farm on meeting that schedule, this is forward progress and for that i’m pleased. it does for me every time i listen to them. in the '90s, when the gold price seemed to be under control, borrowing gold for a carry trade seemed like a good idea. 