Ferchi

According to the, toddlers should get around 12 to 14 hours sleep per day. Previous studies have shown that quality sleep improves children's language skills and poor sleep could lead to heart diseases, academic problems and behavioural malfunctioning.Federal and state regulators are examining whether some of the largest U.S. banks are helping Internet-based lenders evade state laws that cap interest rates on payday loans, The New York Times said on Sunday.