"Brian Caldwell" is an United States/American sailor. He spent seven years cruising the Pacific Ocean/South Pacific with his parents when he was young, returning to Hawaii at age 15. He departed Hawaii aged 19 and completed his voyage on September 28, 1996. He was the youngest solo circumnavigator, finishing at the age of 20, making him the first person under age 21 to circumnavigate. He has raced in France in the Mini Transat 6.50, Sydney to Hobart Yacht Race, Fastnet race/Fastnet, Transpacific Yacht Race and other sailing races.

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This is just the way it is, ... When I wanted to use, I went to the black people I knew who used. We all used cocaine. I never heard of a black guy using meth. I'm sure there are some, but mainly it's cocaine. Like I said, that's just the way it is.

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Usually, the drug of choice for African-Americans is cocaine, ... I've battled with it even though I had a great business and I thought I could use cocaine frequently and it wouldn't cause me trouble, I was very wrong.

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Consumers would be shocked to learn that the amount of many short-term payday loans may be as high as 500-percent APR or even greater in many cases. Undoubtedly, some consumers would choose to forego the loan in the face of such written disclosures. However, even when disclosures are made, they are frequently inaccurate, failing to take into account various fees and charges.

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That's one of the reasons why states are looking at gas prices-to know how fuel companies set fuel prices.

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Specifically, the AGO alleged that the interest rates charged by the company were not properly calculated or disclosed, and greatly exceeded the amount legally collectable under Commonwealth law.

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