I use face moisturizers that I love. I am over the moon by how good this is. I mainly use it on my neck, hands and forearms.

The donkey and elephant are on separate layers, easily separated in a program like Illustrator, etc. Illustration uses no gradients, meshes or blends, only solid color. Includes AI10-compatible .eps ...

Conservative assets like CDs may be safer than stocks, but that doesn't mean they're the best fit for your retirement fund.