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For Morgan Stanley, the spin-off was about unlocking the hidden value of a fast-growing but underappreciated asset, while allowing the bank to focus on its core investment banking and wealth management operations

Still, there is plenty of room for improvement, she says

By placing your dry cigars in a zip-lock bag with a slightly moist sponge, the natural humidity helps rehydrate them gradually

Services offered by quitlines include coaching and counseling, referrals, mailed materials, training to health care providers, web-based services, and in some instances, free medications such as nicotine replacement therapy (North American Quitline Consortium [NAQC] 2012)