Actor John Hurt is 76. Singer Steve Perry (Journey) is 67. Bassist Teddy Gentry of Alabama is 64. There are, of course, several benefits to gift cards. They include:They’re easy: A gift card is convenient, particularly for the folks in your life whom you don’t know personally, like teachers, babysitters or newspaper carriers. “You can save yourself a lot of guesswork by getting gift cards,” says Cathy DeWitt Dunn, a financial professional from the Dallas firm of DeWitt Dunn. In one experiment, Shepard and his team, in collaboration with Professor Colin Nuckolls and Associate Professor Ruben L. Gonzalez Jr. In chemistry, take a tiny tube of carbon, or nanotube, and break one of its carbon bonds. Most rewards programs are based on tiers, example, the Marriott program offers silver status, which says stay 10 nights and get the 11th night free. The customer achieves gold status after 49 nights and gets the 50th night free. I would argue that the person who gets the 11th night free but is not likely to make 49 nights might then switch to Hilton for their perks, whereas the 49 nighter would probably pay for the 50th night anyway. We saw it happening in specialty soft drinks, ice cream, beer and coffee. It was also happening in the food industry. This was a trend that I understood would play out over decades, not quarters. This sector may provide the best and most timely example of the advantages of the direct approach. Medicare and Medicaid directly provide coverage to elderly and poor recipients. They guarantee coverage to their beneficiaries, and do so with slower costgrowth than the private sector with comparable outcomes. The “Stay Cool Save Fuel” summer package includes choice of an inside cabin or deluxe ocean view room, plus a $25 gas card available on arrival for stays of one or two nights, or a $50 card for stays of three nights or more. There’s also a Romance Package: a one night stay in a deluxe cabin ($264 weekdays, $324 weekends) that includes breakfast for two in the Promenade Cafe; a $100 dinner voucher for Sir Winston’s, the Chelsea Restaurant or Promenade Cafe; and a bottle of champagne and strawberries. The ship also offers a “Deal of the Day” via its Web site. Istanbul is scattered with religious sites and most of them, particularly Muslim and Christian houses of worship, are free. There are many to choose from but the Sultanahmet Mosque, better known as the Blue Mosque, in the historic Sultanahmet district should be on top of anyone list. 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