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While living in various Asian countries for the better part of a decade, I’m typically bound to international brands like Cadbury and Ritter Sport.

“This modest, temporary cost recovery — just a few dollars a month for most policyholders — is critical to preventing a catastrophic collapse of California’s insurance market,” said Denni Ritter, vice president for state government relations for the American Property Casualty Insurance Assn. trade group.

Krysten Ritter, whose second novel is out now, loves writing characters who are ‘unpredictable, a little bad, a little wounded.’

With her second novel, ‘Retreat,’ actor Krysten Ritter delivers another thriller fronted by a gutsy, feisty female protagonist.

She had written “70, maybe 100” pages when her agent introduced her to Jamieson, who cottoned to Ritter’s story immediately and offered suggestions on her pages.