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Photo: Winter in sharp relief

Clear and cold: Hoar frost forms on the branches of a shrub in Spokane on Wednesday. Hoar frost ice crystals form on the ground or exposed objects on cold clear nights when objects become colder than the surrounding air. (Colin Mulvany)
Clear and cold: Hoar frost forms on the branches of a shrub in Spokane on Wednesday. Hoar frost ice crystals form on the ground or exposed objects on cold clear nights when objects become colder than the surrounding air. (Colin Mulvany)


Saving for the future

sponsored According to two 2015 surveys, 62 percent of Americans do not have enough savings to handle an unexpected emergency, much less any long-term plans.



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