country financial corporate office: The Global Findex Database 2017 Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, 2018-04-19 In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex. |
country financial corporate office: Country Finance , 2003 |
country financial corporate office: DIRECTORY OF CORPORATE COUNSEL. , 2023 |
country financial corporate office: Directory of Corporate Counsel, Spring 2024 Edition , |
country financial corporate office: Compendium of Insurance Law Robert Merkin, Johanna Hjalmarsson, 2013-08-22 The Compendium of Insurance Law consolidates diverse insurance law sources, statutes and codes of practice in one comprehensive volume. Each piece of legislation is supplemented by detailed annotations, which explain the operation and relationship of the legislation with other sources of insurance law. The book is filled with comprehensive coverage of legislation relating to the following areas: regulation, reinsurance, life assurance, property insurance, marine insurance, liability insurance, motor insurance, insurance intermediaries, insurance contracts and competition. |
country financial corporate office: Venezuela United States. Bureau of International Commerce, 1976 |
country financial corporate office: Global Not for Profit Organization B D Chatterjee, 2019-04-30 About the Book The book talks about the legal structure of a foundation, governance process, delegation of authority, how to develop a business plan, how to arrange funding plan, how to set up and handle operations of these foundations including setting up financial systems, budgeting, forecasting, internal controls and risk management, human resources and information technology systems. All the systems and processes highlighted in the book have been practically implemented and are based on real life experiences of laying down strategies and execution of processes implemented. Endorsement The not for profit world is a large and growing segment of economic activity globally. As economies grow and wealth accumulates, the urge to make a lasting, intergenerational contribution to human welfare is a deep part of our nature. Many enter this new world without a firm grasp of the financial structures that underpin the not for profit world. Into this gaps steps Biswajeet Chatterjee, with his new book Best Practices for a Global Not for Profit Organization. The book describes in clear and simple terms the fundamental accounting principles and regulatory requirements of the not for profit world. Best Practices for a Global Not for Profit Organization offers, in one place, in clear a simple language, a badly needed guide for all those new and established in this world. Not only does the book provide an outline of what is needed financially, it also provides a clear description how to navigate through the regulatory requirements that are often much different from those of the for profit world. Biswajeet Chatterjee is uniquely qualified to write this text. He is currently the Chief Financial officer of ACCESS Health International, a not for profit organization which is active in Asia, South Asia, Europe, the Middle East and the Americas. He has written more than ten books on finance and accounting covering a wide range of topics including (International Finance Reporting Standards, Corporate Financial Reporting, Corporate Governance, risk management, financial analysis for decision making and Business Valuation, to name a few). I am pleased to recommend Best Practices for a Global Not for Profit Organization enthusiastically and without reservation. William A Haseltine PhD |
country financial corporate office: Banking Law: New York Banking Law New York (State), 1907 |
country financial corporate office: Compliance Norms in Financial Institutions Tomasz Braun, 2019-10-25 Initially, introducing compliance functions within the financial industry had been forced by regulatory scrutiny. Later, it started to spread to other regulated companies, in particular those publicly listed. Now, compliance has become an asset of corporates that want to build their reliability among clients, shareholders, employees and business partners. This book looks at the efficiency of the compliance measures introduced and the best practices of building compliance norms. This recently observed practice of compliance was triggered by the expectation of regulators, shareholders, clients, business partners and the public for robust compliance mechanisms. This book looks at the vast interest in this topic among business people who strive to introduce the systems and the mechanisms of non-compliance risk management in their companies and at the uncountable difficulties and obstacles they meet. The book fills the gap of thorough analysis of this subject by pointing out the solutions successfully introduced in global financial organizations, and would be of interest to academics, researchers and practitioners in corporate finance, corporate governance and risk management. |
country financial corporate office: Foreign assistance and related programs appropriations for fiscal year 1989 United States. Congress. Senate. Committee on Appropriations. Subcommittee on Foreign Operations, 1989 |
country financial corporate office: Global Finance at Risk S. Sen, 2003-08-22 Sunanda Sen offers an analysis of the ongoing malaise in the world economy, which include the financial and real instability as well as economic recession and lack of development. Rejecting the explanations advanced by the orthodoxy, she deplores the retrograde steps in the interest of high finance. This calls for a change in policies, away from the contractionary monetarist devices and in the direction of demand expansion which will prove mutually beneficial for both advanced and developing countries. |
country financial corporate office: The National Underwriter , 1916 |
country financial corporate office: Financing Small Scale Industry G.K. Patra, 2006 The small scale industrial sector has emerged as a vibrant and dynamic sector of the Indian economy since independence. With the twin objectives of employment generation and capital expansion, the small-scale sector was highly emphasized consistently in all the successive industrial policy resolutions. Considering the immense potentialities of the Small Scale Sector in the overall backdrop of Indian economy a natural level seminar was organised with the support of UGC. Thought provoking and highly illuminating papers were presented embracing a wide spectrum of issues revolving round the small-scale sector in the country. Those are clubbed together to put forth the viewpoints for reference to thinkers, policy makers, planners and academicians. |
country financial corporate office: The Republican Advocate , 1913 |
country financial corporate office: Governing the Corporation Justin O'Brien, 2005-11-01 Governing the Corporation is a unique forum combining the insights of some of the most influential minds involved in the governance of global financial markets with internationally recognised academics and practitioners. Divided into three sections, the book first examines changes to the regulation of markets and assesses the global implications of the export of Sarbanes-Oxley for financial sector governance. The second section examines the challenges facing the professions with critical analysis from leading lawyers and accountants. The final section calculates the effectiveness of state and self-regulatory policy and posits the importance of institutionalising an ethical framework tied to incentives. Each section of the book features contributions from regulators, practitioners and academics from a range of disciplines, including finance, political science, criminology, law and philosophy. |
country financial corporate office: 2700+ Mcqs Based On Current Affairs Events & Issues 2021 Aamir Bin Usman, 2021-01-19 2700+ MCQs BASED ON CURRENT AFFAIRS EVENTS & ISSUES 2021 by Aamir Bin Usman: In this non-fiction book, Aamir Bin Usman provides readers with more than 2700 Multiple Choice Questions (MCQs) covering current affairs events and issues in 2021. With its extensive coverage of the subject matter, helpful study aids, and insightful analysis, this book is a must-read for anyone preparing for competitive exams that require knowledge of current affairs. Key Aspects of the Book 2700+ MCQs BASED ON CURRENT AFFAIRS EVENTS & ISSUES 2021: Comprehensive Coverage: Aamir Bin Usman's book provides comprehensive coverage of current affairs events and issues in 2021. Study Aids: The book features helpful study aids, including explanations and analysis of the questions. Insightful Analysis: The book provides insightful analysis of each MCQ, helping readers develop a deeper understanding of the subject matter. Aamir Bin Usman is an Indian educator and author who specializes in current affairs. His books, including 2700+ MCQs BASED ON CURRENT AFFAIRS EVENTS & ISSUES 2021, are highly regarded for their comprehensive coverage, helpful study aids, and insightful analysis. |
country financial corporate office: A Bill Entitled an Act to Establish and to Make Provision for the Constitution of the Republic of the Gambia Gambia. House of Representatives, 1969 |
country financial corporate office: Industrial Canada , 1921 |
country financial corporate office: Banking on Innovation Tanai Khiaonarong, Jonathan Liebena, 2009-06-01 Innovation in banking should be directed at improving the infrastructure that fosters efficient financial services and international trade. In this work, innovation theory is used to show how modern payment systems have transformed the technology of banking and facilitated changes in the strategy and structure of financial services organisations. Design, implementation and dissemination of payment systems are described and the analysis of their costs and benefits is combined with case studies of banks undergoing change. By studying firm capabilities, competencies, and resources, the approach is extended to services in general and linked to the ability of firms to compete and promote national economies. Payment systems vary and advanced and developing economies face obstacles in their legal and technical infrastructure, and maturity of banks. By adopting an international perspective, the book offers a unique comparative analysis that shows what kind of investments are likely to be effective. |
country financial corporate office: OECD Public Governance Reviews OECD Integrity Review of Brazil Managing Risks for a Cleaner Public Service OECD, 2012-11-12 This report assesses the implementation and coherence of instruments, processes and structures in Brazil to create a culture of integrity and to manage risks affecting the operations and performance of public organisations. |
country financial corporate office: Colleges Worth Your Money Andrew Belasco, Dave Bergman, Michael Trivette, 2022-05-15 Unlike existing college guidebooks, which contain easy-to-Google admissions statistics and anecdotal generalizations about campus life, Colleges Worth Your Money reveals where graduates work, salaries, grad school acceptances, internships and research opportunities, career services ratings, and data-rich, school-specific admissions strategies. |
country financial corporate office: Deposit Insurance , 2000 |
country financial corporate office: Switzerland Company Law and Regulations Handbook Volume 1 Strategic Information and Basic Laws IBP, Inc., 2016-12-23 Switzerland Company Laws and Regulations Handbook - Strategic Information and Basic Laws |
country financial corporate office: Separating Fools from Their Money Scott B. MacDonald, 2017-09-29 What do Michael Milken and Martha Stewart have in common? What was the most outrageous party thrown by a financial baron of the twentieth century? Which US war hero president became party to, and victim of, an unabashed con man known as the Napoleon of Wall Street? These questions and more are discussed in Separating Fools from Their Money. The authors trace the history of financial scandals beginning with young republic days through the Enron/WorldCom debacle of modern times. Informative and entertaining, this book reveals human nature in all of its dubious shades of grey. It also exposes themes common to all financial scandals, which remain astonishingly unchanged over time?greed, hubris, media connections, self-interested politicians, and booms-gone-bust, to name a few. This second edition features a new preface and introduction, plus three new chapters, which address the financial panic of 2008, post-panic scandals, and the princes of Ponzi. This book's accessible writing will interest the casual business reader as well as the seasoned investor. |
country financial corporate office: The Report: Brunei Darussalam 2011 , 2011 |
country financial corporate office: The Market World and Chronicle , 1914 |
country financial corporate office: International Business Information Michael Halperin, Ruth A. Pagell, 2024-02-02 This newly updated and expanded edition of a reference bestseller is the only work available that guides business researchers and librarians to the most valuable sources for information on international business--and shows how to interpret and use that data. The authors discuss the best available resources and how to use them to find answers to a wide range of questions about international business. They also describe business practices in various regions and countries, the basics of international trade and finance, international business organizations, and relevant political departments and agencies. Many exhibits and tables are included, and the book's appendices include glossaries, checklists for evaluating sources, and sample disclosure documents. |
country financial corporate office: Dictionary of Banking and Finance Bloomsbury Publishing, 2009-01-01 This dictionary provides comprehensive coverage of the terms used in banking and finance, ranging from personal bank accounts to international money markets. It is aimed at professionals working in or involved with banking and finance, and for students, whether studying A-Levels, degree or professional qualifications in banking and finance. Fully revised and updated this dictionary contains over 9000 entries providing clear, up-to-date coverage of all aspects of banking and finance. The book also includes encyclopedic comments on banking and financial practice, expanding on complex terms such as poison pills and bills of exchange, and special supplements on money, currencies, international banks and stock exchanges. |
country financial corporate office: Emerging Economies and the Transformation of International Business Subhash C. Jain, 2006 The economic power of Brazil, Russia, India and China (BRICs) is rapidly increasing, changing the landscape of global economics and politics. Top scholars of international business address in this vital volume the markets, strategy implications, challenges and possibilities of this new economic reality. As these four nations acquire greater economic clout, the opportunities for other countries increase. The contributors describe the favorable circumstances these evolving economies could provide for the US and other countries, such as expanded markets and services, higher returns on investments, and new partners in building a more peaceful and prosperous world. In contrast, they also discuss risks to traditional industries and possible challenges to positions on human rights and intellectual property protections, environmental standards, free markets and democratic governments. The volume emphasizes the need for companies to adopt strategies to stay ahead in the changing business environment. Governments must also design and implement new policies geared toward mutually beneficial relationships with BRICs. This enlightening study will be of great interest to students and scholars of international business. Executives of large companies will find it of great practical use when planning their organization s future strategies. |
country financial corporate office: Federal Register , 2012-10 |
country financial corporate office: Managing Political Change in Singapore Lam Peng Er, Kevin Tan, 2013-09-13 The Singapore parliament's creation of an elected presidency in 1991 was the biggest constitutional and political change in Singapore's modern era. This multi-disciplinary study gathers papers from leading scholars in law, history, political science and economics to examine how political change is managed in Singapore. It is an authoritative addition to debates surrounding the management of political change in developing countries more generally. |
country financial corporate office: Parliamentary Debates Victoria. Parliament, 1877 |
country financial corporate office: Transnational Buildings in Local Environments Luciana Melchert Saguas Presas, 2017-11-22 By focusing on the skyscraping transnational building, this book bridges two key debates on the transformation and emerging problems besetting major cities - globalization and ecological and sustainable building design. While such structures tend to be constructed and/or used by transnational companies and are generally viewed as emblems of a 'global city', they nevertheless impact seriously on their local environment, posing numerous environmental burdens on it. By examining office blocks held by multinational firms in Amsterdam, São Paolo and Beijing, the book analyses how transnational buildings might be made sustainable. It compares and contrasts the different social mechanisms that are, or may be, in place and how sustainable building practices that are being activated in certain locations could be adopted elsewhere. |
country financial corporate office: Bulletin , 2004 |
country financial corporate office: Lost Decades: The Making of America's Debt Crisis and the Long Recovery Menzie D. Chinn, Jeffry A. Frieden, 2011-09-19 A clear, authoritative guide to the crisis of 2008, its continuing repercussions, and the needed reforms ahead. The U.S. economy lost the first decade of the twenty-first century to an ill-conceived boom and subsequent bust. It is in danger of losing another decade to the stagnation of an incomplete recovery. How did this happen? Read this lucid explanation of the origins and long-term effects of the recent financial crisis, drawn in historical and comparative perspective by two leading political economists. By 2008 the United States had become the biggest international borrower in world history, with more than two-thirds of its $6 trillion federal debt in foreign hands. The proportion of foreign loans to the size of the economy put the United States in league with Mexico, Indonesia, and other third-world debtor nations. The massive inflow of foreign funds financed the booms in housing prices and consumer spending that fueled the economy until the collapse of late 2008. This was the most serious international economic crisis since the Great Depression of the 1930s. Menzie Chinn and Jeffry Frieden explain the political and economic roots of this crisis as well as its long-term effects. They explore the political strategies behind the Bush administration’s policy of funding massive deficits with foreign borrowing. They show that the crisis was foreseen by many and was avoidable through appropriate policy measures. They examine the continuing impact of our huge debt on the continuing slow recovery from the recession. Lost Decades will long be regarded as the standard account of the crisis and its aftermath. |
country financial corporate office: International Monetary Fund United States. General Accounting Policy, United States. General Accounting Office, 2001 |
country financial corporate office: When the Levees Break Karen Kunz, Jena Martin, 2016-12-09 The stock markets. Whether you invest or not, the workings of the stock market almost certainly touch your life. Either through your retirement fund, your mutual fund or just because you work for a place that invests (or is invested in)—the reach of the securities markets is expanding, like an ever growing tidal wave. This book discusses what happens when that wave hits the shore. Specifically, this book argues that, given the mounting deluge from misplaced regulation, fast-paced technology, and dominant financial players, the current US regulatory structure is woefully inadequate to hold back the tide. Using vivid imagery and plain language, Karen Kunz and Jena Martin take the problems involved in regulating the complex world of securities head on. Examining everything from the rise of technology and the role of hedge funds to our bloated agency system, Kunz and Martin argue that the current structure is doomed to fail and, when it does, the consequences will be disastrous. Sending out a call to action, the authors also offer a bold vision for how to fix the mess we’ve made—not by tinkering around the edges—but instead by building a whole new structure, one that can withstand the next storm that is sure to come. |
country financial corporate office: , |
country financial corporate office: Foreign Policy Decision-making in Nigeria Ufot Bassey Inamete, 2001 This reality was a direct result of the nature of sociopolitical cleavages and forces, and the functioning of the federal system of government during that period. The succeeding Ironsi Governemnt was too brief and preoccupied with domestic crises to make significant impacts in the foreign policy arena.--BOOK JACKET. |
country financial corporate office: It Takes a Pillage Nomi Prins, 2009-10-02 A former Wall Street manager turned muckraking journalist gets inside how the banks looted the Treasury, stole the bailout, and continued with business as usual We all watched as packs of former Big Financiers commandeered posts in Washington and lavished trillions in bailouts to save big Wall Street firms that used that money for anything and everything except to fill in Main Street's potholes. We all watched as Wall Street heavyweights fought tooth and nail to declaw financial reform and won. Former Wall Streeter Nomi Prins has been watching, too, and she is not going to let them get away with it. More than just an angry populist, commentator stuck on the sidelines, Prins understand Big Finance and big money and big schemes-and in this book she exposes the fundamental follies of our economic system and the schemes of the bigwigs who have no intention of letting it change. Remarkably combines detail, clarity, and narrative momentum, revealing all the ways in banks gamed the system to get the most money with the least oversight. Exposes the power-bankers who bagged more than $5 billion in compensation before and after their companies grabbed more than a trillion dollars in federal bailout subsidies-and how the government's indignation at this didn't lead to change. Shows how the most egregious pillagers work at the Fed and Treasury department, detailing how Hank Paulson, Ben Bernanke, and Tim Geithner siphoned off $10.7 trillion from the public's future for Big Finance's present, all the while telling us it was for our own good. Slams a financial system that will not change, if our government doesn't force it to change, no matter what happens in the so-called free market and why the 'sweeping' financial reform bill passed after Wall Street reconsolidated its power, is anything but sweeping or reformative. Written by a former managing director at Goldman Sachs, now a senior fellow at Demos, who writes regularly on corruption in Washington and Wall Street for news outlets ranging from Fortune to Mother Jones. If you're still enraged and frustrated with how the bank bailout went bust for the American people, or how Wall Street continues to operate as if the rest of the world doesn't matter, or how the banks are once again rolling in outsized profits and obscene bonuses while average Americans continue to struggle through a bleak landscape of foreclosures and job loss, It Takes a Pillage gives voice to your outrage, and provides a deeper insight into what we really have to be angry about and how we can fight for some real change. |
「国家」这个词在英文中视语境不同。state、nation、country 三 …
country一词的主权意味其实是非常低的,国际法上“主权国家”的英文是“State”或“sovereign state”。 因此我们会发现,在英语的发源地,英国,在其政府官方网站的介绍中说,英国由四 …
「国家」这个词在英文中视语境不同。state、nation、country 三 …
「国家」这个词在英文中视语境不同。 state、nation、country 三者的含义与区别在哪里? 卡梅伦说:「Four nations in one country」,那英国是 country,苏格兰是 nation。 那为什么联合国 …
Country到底有没有地区的意思呢? - 知乎
Country到底有没有地区的意思呢? 最近发现部分海外品牌在选择地区时将HK、TW等单独列出,country一词我用部分电子词典查只有国家的意思,在牛津高阶词典中查出有地区的意思。 …
为什么知乎对《赤色黎明》普遍评价不高? - 知乎
《赤黎》的干部们在书中短时间内就得到了科学政治等全方面的灌输,这样才是主角陈克能够在清末就成功建立Socialist country的原因。 去掉了干部培养挂,那么整本书就变得虚幻起来,这 …
英国的英格兰、北爱尔兰、苏格兰、威尔士到底是什么关系? - 知乎
来自人人 关于英国的一些混淆概念和趣事(1) 来源:唐哲Hon.Tong的日志 LZ都没有去过英国,甚至连英国的任何一个殖民地都没去过。。。。但是眼见很多人,甚至像罗振宇这样的“资 …
被美国人说「chink」、「ching chong」等如何回击? - 知乎
如果让你go back to ur country, 你可以说:Well you should fuck off to England and give the land back to the aboriginals you racist piece of shit. 如果有中国小伙伴可以对着骂你的人说中文,随 …
护照编码规则是什么? - 知乎
The second character can be assigned by the issuing country to distinguish different types of passports. If unused a < is assigned. The United States, at least in the cases I've seen, …
掀背、溜背、coupe有什么区别? - 知乎
Fastback :Volkswagen CC 溜背——Fastback,也可以直译成“快背”,是对“车背”风格的描述:车背线条流畅的不断下降,并延伸至车尾。溜背式的设计风格最早可以追溯到1930年代流行的 …
名片上正确的英文缩写是? - 知乎
xxxProvincexxx (邮编) xxx(country) 地址在名片上,应该保持一定的完整性。 门牌号与街道名不可分开写,必须在同一行,不可断行。 名种名称不可断开。 门牌号英美写法可有不同,英语 …
如何导出正确的IEEE参考文献格式? - 知乎
Nov 24, 2020 · IEEE参考文献列表的页面格式 在IEEE引用格式中,文末参考文献列表应当出现在一个单独页面上。在页面顶部应当用粗黑体的“ References ”作为标题。该标题可以居中,也 …
「国家」这个词在英文中视语境不同。state、nation、country 三 …
country一词的主权意味其实是非常低的,国际法上“主权国家”的英文是“State”或“sovereign state”。 因此我们会发现,在英语的发源地,英国,在其政府官方网站的介绍中说,英国由四 …
「国家」这个词在英文中视语境不同。state、nation、country 三 …
「国家」这个词在英文中视语境不同。 state、nation、country 三者的含义与区别在哪里? 卡梅伦说:「Four nations in one country」,那英国是 country,苏格兰是 nation。 那为什么联合国 …
Country到底有没有地区的意思呢? - 知乎
Country到底有没有地区的意思呢? 最近发现部分海外品牌在选择地区时将HK、TW等单独列出,country一词我用部分电子词典查只有国家的意思,在牛津高阶词典中查出有地区的意思。 …
为什么知乎对《赤色黎明》普遍评价不高? - 知乎
《赤黎》的干部们在书中短时间内就得到了科学政治等全方面的灌输,这样才是主角陈克能够在清末就成功建立Socialist country的原因。 去掉了干部培养挂,那么整本书就变得虚幻起来,这 …
英国的英格兰、北爱尔兰、苏格兰、威尔士到底是什么关系? - 知乎
来自人人 关于英国的一些混淆概念和趣事(1) 来源:唐哲Hon.Tong的日志 LZ都没有去过英国,甚至连英国的任何一个殖民地都没去过。。。。但是眼见很多人,甚至像罗振宇这样的“资 …
被美国人说「chink」、「ching chong」等如何回击? - 知乎
如果让你go back to ur country, 你可以说:Well you should fuck off to England and give the land back to the aboriginals you racist piece of shit. 如果有中国小伙伴可以对着骂你的人说中文,随 …
护照编码规则是什么? - 知乎
The second character can be assigned by the issuing country to distinguish different types of passports. If unused a < is assigned. The United States, at least in the cases I've seen, …
掀背、溜背、coupe有什么区别? - 知乎
Fastback :Volkswagen CC 溜背——Fastback,也可以直译成“快背”,是对“车背”风格的描述:车背线条流畅的不断下降,并延伸至车尾。溜背式的设计风格最早可以追溯到1930年代流行的流 …
名片上正确的英文缩写是? - 知乎
xxxProvincexxx (邮编) xxx(country) 地址在名片上,应该保持一定的完整性。 门牌号与街道名不可分开写,必须在同一行,不可断行。 名种名称不可断开。 门牌号英美写法可有不同,英 …
如何导出正确的IEEE参考文献格式? - 知乎
Nov 24, 2020 · IEEE参考文献列表的页面格式 在IEEE引用格式中,文末参考文献列表应当出现在一个单独页面上。在页面顶部应当用粗黑体的“ References ”作为标题。该标题可以居中,也 …