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Over greater than half of the world's inhabitants now love to buy on-line by sitting at their cozy mattress or armchair. The increase of eCommerce has clearly introduced some large exceptional modifications within the retail section and in customers' shopping for behaviours. For you in addition to all different retail enterprises, it's now not a option to have a web based storefront. Somewhat, it is crucial to remain within the recreation. Nevertheless, for individuals who already personal a vibrant retailer, it is not a simple in any respect. There are various alike retailers moving into the scene every single day. So, what's necessary for the present gamers available in the market is to maintain them up to date with the newest traits being unleashed by eCommerce evolution yearly.
In case you have a reigning place within the on-line retail market, then don't miss out the next traits that eCommerce sector is pushing out presently.
Elevated cell use
"The way forward for eCommerce shall be dominated by mobiles" research have revealed. With a hefty proportion of customers now tapping into their cellphone's screens to put orders as a substitute of logging into the location through their desktops. Additional, with Google's announcement on the rating algorithm that it might rely on the cell responsiveness of a web site, there was even a larger push within the cell purchases through an app that's web site's actual replication.
Voice Purchases in on rise
Whereas the smartphones are just lately being built-in with voice assistants, eCommerce has an incredible scope to leverage that to supply extra personalised buying experiences. The voice assistants assist customers to execute completely different duties on the cellphone by talking it. So, an eCommerce app can deploy it too so patrons can search merchandise simply by voicing their needs.
Extra enhanced achievement and fee choices
Other than versatile delivery choices, like free-shipping inside a selected distance or above a sure order quantity, eCommerce house owners are providing extra profitable fulfilment to beat out the competitors. They're arising the premium delivery choices like same-day supply, speedy supply., order-pickup from in-stores and so forth. On the fee facet, new choices unravelled like Buy now-Pay Later, e-Pockets, Cell pay, and many others. Thus, on an apparent observe, it's worthwhile to contemplate them too for securing your place available in the market Make a Chatbot.
Chatbots together with Messenger characteristic
Chatbots that helps in personalised interplay through the messenger shall be on rise in eCommerce section. Retailers are utilizing them to ship out personalised advertising and marketing content material, suggest product purchases, and notify on offers or coupon provides. Moreover, with Chatbots, retailers pays heed to clients service requests or queries any time and get them solved immediately. With growing relevance of personalisation in eCommerce, Chatbots pattern is certain to develop extra outstanding.
It is 2018 the place cell presence has overshadowed every little thing else on the earth. Lots of of vary of cell gadgets with completely different OS platforms are being utilized by individuals to seek for issues on-line. So, it will not be any extra fruitful for the eCommerce companies to only goal solely specific gadgets. They've to focus on all, from smartphones to iPhones, tablets to laptops and desktops.
Video integrations together with AR
In style eCommerce giants have already pushed forth this pattern. They're utilizing up movies to showcase merchandise or show their makes use of. In addition to, some are additionally toying with the idea of Augmented Actuality the place customers can attempt a product just about on screens.
Storytelling that captivates viewers extra
Effectively, in eCommerce advertising and marketing, storytelling these days goes nicely to lure guests to purchase as a result of that instantly hyperlinks their life-style to the model. It pinches the feelings of the patrons. Completely different stats, consumption ideas or habits will help make a distinction within the notion of people.


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HPB Surgery
Volume 11, Issue 5, Pages 285-297
Review: Research Toward Safer Resection of the Cirrhotic Liver
1Liver Diseases Unit, Departments of Surgery, Medicine, and Pharmacology, University of Manitoba, Winnipeg, Manitoba, Canada
2Department of Surgery, University of Alberta, Edmonton, Alberta, Canada
3Liver Diseases Unit, Health Sciences Center, 820 Sherbrook Street, Winnipeg R3A 1R9, Manitoba, Canada
Received 10 November 1998
Copyright © 2000 Hindawi Publishing Corporation. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
How to Cite this Article
M. A. J. Moser, N. M. Kneteman, and G. Y. Minuk, "Review: Research Toward Safer Resection of the Cirrhotic Liver," HPB Surgery, vol. 11, no. 5, pp. 285-297, 2000. https://doi.org/10.1155/2000/31945.


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Dear J,
Well, here we are at the start of this adventure. I'm not sure how much I'll write, or how often. I tend to be forgetful like that…
But once again, I find myself wanting to write down my thoughts and feelings, because once again, I find myself in a situation that I feel could've been avoided if I'd kept track of my past, and therefore had some sort of data to refer to when things got challenging.
To dot point the issues thus far:
- I haven't felt like "myself" in over a year. What I previously thought was my own character development (yay!) turns out to have been a "faking it" (not yay!) to please others. The general consensus between my close council is that I should care less what others think about me, and just be me. Which I still have reservations about considering typical "me" is relatively bitchy and inconsiderate… Regardless, it seems everyone else thinks that's better than me being a doormat, as I currently am.
- My Grandpa just passed away. Which is a relief because now he is at peace, his suffering was brief, and generally speaking, things went pretty smoothly. Now however, and only two days later, already the old family rifts about inheritance are popping up again, especially since Nana is about to re-do her will. I feel like I'm at a conference meeting where everyone is trying to pitch their ideas, and may the best person win! As always, it's frustrating to watch, but there isn't anything I can do about it, nor am I honestly surprised by the behaviour of my family members. Disappointed certainly, but not surprised.
- MOVING HOUSE IN TWO DAYS. Seriously, the timing couldn't be more horrendous. But there we go. I get to move to the country, into a very nice white (it will be once it's painted!), weatherboard (more like "weathered-board" ha-ha-he-he), home facing the foothills and mountains beyond. Goodbye city! Hello fresh air, the far horizon line, and trees! M&M won't be joining me for about a month, so I'll have the house to myself for a bit, in all it's severely-requiring-renovations-like-a-bloody-hot-water-service glory. Huzzah for very quick, and very cold showers. Oh the joy.
- My tertiary study. Sigh. So I'm waiting to hear back about when I will officially receive my Diploma for Film studies. But in the mean time, I still have my assignments to complete for the Equine Massage course. That stress aside, I also received a phone call the other day chasing up payments. Apparently they'd been trying to get in contact with me for months. I have not changed numbers or emails, and they didn't mail me anything (I asked), and yet, I did not receive a single bloody thing. Naturally the first I hear of it was the ONE phone call I received (and missed) for which a voicemail was left, saying that if I didn't get in contact with them soon, they would send the information on to the debt collectors. Not happy. So I've called them and organised weekly repayments. But…
- I HAVE NO JOB. I left my other job obviously because, I'm moving house to the other side of the state. There is plenty of work out there for me, but it's going to be a close call in terms of earning income/outgoing payments.
- Meanwhile I'm trying to make plans for this year regarding my pursuit of my artwork (hopefully this time since I'm not doing it for someone else, I'll actually enjoy it more), and I really ought to get back into my music playing, and sports.
- Oh yes, and I'm calling it off with the guy I've been seeing. I can't handle it right now, he requires too much maintenance, and our disagreements end up going in circles. It's very frustrating.
As it stands, that's my life right now. I've got a lot to do, a few deadlines to meet that will be close calls, and my mental health to get back on track.
Thank you for listening.


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Our software engineering and operations management teams with more than 100 years of combined experience in software development, IT operations management & virtualization collaborated in a way rarely seen in software development to create EuVantage®.
Facts & Figures
- Organization: Anunta Technologies Inc.
- Lead Investor: Bessemer Venture Partners
- CTO: Vinod Jeyachandran
- Website: www.anuntatech.com
- Clients: Banking & Financial services, Manufacturing, Business Services & Others
The Team
Co – Founder & Chairman
Ananda Mukerji is the co-founder and chairman of Anunta. Ananda was the founding CEO of Firstsource Solutions – a global provider of BPO Solutions. Under his stewardship the company did a successful listing on the Indian bourses and established a presence across India, US, UK, and the Philippines. After an eight year stint, he chose to step down as its MD and CEO and co-founded Anunta. Ananda has over 23 years of experience in areas like project finance, corporate finance, and investment banking. His association with ICICI Group, India's largest private banking and financial services conglomerate, spans over a decade, during which he set up and managed a number of new businesses.
Ananda has a post-graduate diploma in Management (PGDM) from the Indian Institute of Management (IIM), Calcutta, and a graduate degree from the Indian Institute of Technology (IIT), Kharagpur.
Chief Technology Officer
Vinod is the Chief Technology Officer at Anunta. He has over 15 years of experience in developing industry-leading network management products. His interests include Holistic Performance Management, Software-Defined Networks, and Network Function Virtualization. Prior to joining Anunta, Vinod was Sr. Director of Product Management at Riverbed Technology. He was earlier VP of Engineering at OPNET Technologies. Vinod holds multiple patents and is a recognized thought leader in the performance management space among Enterprises and Service Providers.
Vinod has an M.S. in Engineering Science from the University of Toledo, US and a B.S. in Electronics and Communication Engineering from Bharathiar University, India. He is based out of Potomac, MD, USA


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3685 Preston Road, Suite # 145
Frisco, TX 75034
You're unique, and you deserve quality, individualized care. Dr. Sanjukta Chitre believes your dental experience should blend the best of the personal and the professional. At Stonebriar Family Dentistry in the Frisco, Texas area, we take the time to get to know you and understand your dental needs. Dr. Chitre and her staff are dedicated to providing you with top-quality dental care designed exclusively for you.
Frisco area dentist Dr. Chitre wants you to have optimal dental health, and offers a range of options to help make your dental treatment affordable.
Don't let expense stand between you and the quality dental care you deserve. Find out about our affordable fees and the many types of financial arrangements Stonebriar Family Dentistry has to offer.
Frisco area dentist Dr. Sanjukta Chitre offers dental payment plans so you can afford the treatment you need. Just talk with our friendly team about your needs.
We'll be happy to work with you to find the solution that fits your situation. We're committed to making your oral health a reality.
Sanjukta Chitre, D.D.S., in the Frisco area accepts Aetna Dental® insurance. At Stonebriar Family Dentistry, our friendly team will be happy to file your insurance claim for you.
We want to make your dental treatment as affordable for you as possible. Your long term oral health is our primary concern.
Sanjukta Chitre, D.D.S., in the Frisco area accepts Careington Dental® insurance. Our helpful team will file your insurance claim for you.
We know how important it is for your dental treatment to be affordable. At Stonebriar Family Dentistry, we want to help you maintain your long term oral health.
5200 Village Creek Dr., Suite 101
Plano, TX 75093
Here at Cosmetic Dentistry of North Texas, your comfort is our number one priority. We will do our utmost to put you at ease and keep you feeling relaxed and secure. Under the experienced leadership of Dr. Douglas Jopling, our dedicated team of professionals is at your service to explain your treatment thoroughly and answer any questions you may have.
Relaxation dentistry with Plano area dentist Dr. Douglas Jopling means your dental treatments can be done quickly. You'll be lightly sedated and you'll feel little or no discomfort.
You won't have to tolerate feeling uncomfortable or hide your smile because you need dental work. You'll feel at ease during your dental appointment, and glad that you're taking care of your oral health.
Cosmetic Dentistry of North Texas is a trusted Plano area dental implants practice providing natural-looking, comfortable tooth replacement. We make it our mission to use a gentle touch during the process.
We hold ourselves to the highest standards to replace missing teeth and provide you with natural-looking results. Our goal is to restore your confidence and your bright, healthy smile.
The friendly, caring staff of Cosmetic Dentistry of North Texas in the Plano, Texas area strive to make you feel comfortable and well-cared for at your dentist appointment. Douglas Jopling, D.D.S. is committed to serving you and your family's dental needs, year after year. Come and see what we have to offer in a professional setting where top-notch customer service still matters.
You're unique, and you deserve quality, individualized care. Dr. Douglas Jopling believes your dental experience should blend the best of the personal and the professional. At Cosmetic Dentistry of North Texas in the Plano, Texas area, we take the time to get to know you and understand your dental needs. Dr. Jopling and his staff are dedicated to providing you with top-quality dental care designed exclusively for you.
4708 W Plano Parkway, Suite 200
Plano, TX 75093
At Plano Parkway Dental - Hollywood Smiles, we accept several types of dental insurance. With the proper information, Dr. Taylor and his staff will be happy to file your insurance claim for you. We strive to make the insurance paperwork process as simple and streamlined as possible. You are only personally responsible for the co-pay or deductible amount.
Safe, anxiety-free dentistry with Plano area dentist Dr. Jesse Taylor means you can have dental treatments done quickly while you're lightly sedated, with little or no discomfort.
You no longer have to tolerate feeling uncomfortable, hiding your smile, or putting off dental work because of a busy schedule. You'll feel relaxed during your dental appointment, and relieved that your oral health is in good hands.
Plano area cosmetic dentist Jesse Taylor, D.D.S. has extensive experience creating beautiful smiles. They're one of the first things people notice about you.
Our professional team will be happy to discuss your aesthetic dentistry options. The attractive results you'll get from Plano Parkway Dental - Hollywood Smiles can change your life!
Dr. Taylor provides secure implant dentures in the Plano area. Implant retained dentures won't slip, and are a long-lasting solution to missing teeth.
You'll talk, eat and smile with more confidence. Your self esteem will return with your new natural-looking teeth.
Dr. Jesse Taylor at his Plano dentistry practice is pleased to offer you a free smile analysis if you are 18 years old or older. Our friendly and professional team will make you feel comfortable and welcome.
We'll answer your questions and assess your dental needs to achieve long term oral health. Our goal is to make your visit enjoyable, and to give you the smile you deserve.
Campbell, David M D.D.S.
3600 E Mckinney St # A
Denton, TX, 76209-7557
Taylor, Gary G D.D.S.
1300 Fulton St # 102
Denton, TX, 76201-2660
Lipscomb, M Scott D.D.S.
2446 Lillian Miller Pkwy # A
Denton, TX, 76205-2903
Tri Care Dental
1719 S Loop 288 # 110
Denton, TX, 76205-4810
Q. Why is it important that women be concerned with their oral health?
A. For many women, oral health changes throughout the different stages of their life, due to surges in sex hormone levels. The dentist may request to see the patient more frequently during hormonal surges.
Q. Gum disease tends to run in my family. What's the best way to prevent and treat it?
A. To prevent periodontal disease, dentists recommend the basics to all their patients: Brush at least twice a day, and floss once a day to remove plaque. Most people should see a dentist twice a year. Because of family history, some women may need to brush and see their dentist more often. There are also new medications that help fight gum disease. Recently, the Food and Drug Administration approved an oral drug, Periostat, which may improve tooth attachment and stop tissue destruction. Two other new products, Atridox (an antibiotic) and PerioChip (an antibacterial), are applied to the gums by your dentist. These medications are to be used in conjunction with traditional gum disease treatments, such as scaling and root planing.
Q. What problems occur for girls during puberty?
A. The surge in hormones that occurs during puberty may cause swollen gums, especially during menstruation. Herpes-type lesions and ulcers also can develop. They also may experience sensitive gums that react more to irritants.
Q. What gum problems may occur during menstruation?
A. Women may experience red, swollen, tender gums (gingivitis) a few days prior to their menstrual period because of increased levels of progesterone in their bodies. These changes occur because of an exaggerated gingival (gum) response to bacterial plaque and generally resolve toward the end of the menstrual period or shortly thereafter. To combat these symptoms, a dentist may recommend more frequent cleanings, fastidious home care, and possibly an anti-microbial mouth rinse or special toothpaste.
Q. Can women develop cold sores related to the menstruation cycle?
A. Yes, a few days before menstruation begins, some women may experience an activation of cold sores (herpes labialis). These sores occur on the lips and usually heal by themselves within 10 to 14 days. A dentist and/or physician may prescribe a topical medication for treatment.
I'm proud to offer you laser dentistry for the treatment of many types of cavities. The laser works by emitting a specialized light that targets and destroys dental decay.
Drills are very powerful, and the vibration and the large hole produced can cause discomfort, making some type of anesthesia almost always necessary. With a laser, the light works to destroy and remove decay with no uncomfortable tooth vibration and resulting discomfort. Because the laser is so precise, the decayed part of the tooth often can be selectively removed, leaving a more healthy part of the tooth. Rather than that loud drilling sound, you hear only a gentle tapping.
Laser treatment has proven to be appropriate and safe in over tens of thousands of applications throughout the world, and works well for young children as well as adults. Laser of technology allows us to take the fear out of going to the dentist and gets the patient actively involved in their own dental care.


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2018. All Rights Saved


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Patrick M. Avitabile Managing Director Citibank, N.A. 111 Wall Street New York, New York 10005
- Brian Garrison
- 3 years ago
- Views:
1 SECURITIES LENDING AND INVESTOR PROTECTION CONCERNS: CASH COLLATERAL REINVESTMENT; BORROWER DEFAULT; LENDING AGENT COMPENSATION AND FEE SPLITS; AND PROXY VOTING Patrick M. Avitabile Managing Director Citibank, N.A. 111 Wall Street New York, New York U.S. SECURITIES AND EXCHANGE COMMISSION Securities Lending and Short Sale Roundtable September 29-30, 2009
2 Securities Lending and Investor Protection Concerns: Cash Collateral Reinvestment; Borrower Default; Lending Agent Compensation and Fee Splits; and Proxy Voting By Patrick M. Avitabile I. Introduction Securities Lending is a financial tool that has been utilized for over four decades. As it has developed into a critical element to market liquidity, it has not lost its fundamental purpose for Lenders incremental income with limited risk. The maximization of revenue, although a daily goal, is secondary to the safety of the principal of cash collateral and operational efficiency. However, recent market volatility has increased the perceived potential risks associated with lending. Securities Lending market participants work together to build upon lending s structural safeguards to address investor protection concerns. Greater flexibility and transparency in lending programs, clearly outlining the Lender s structural control, support the mitigation of risks for Lenders. In addition, as Lenders structure their securities lending programs to fall within their general investment guidelines, (by matching the securities lending cash collateral investments with their overall investment objectives and requirements and factoring their borrower approvals in their overall examination of counter party exposure), Lenders can earn securities lending revenue without expanding their overall institutional risk profile. II. Investor Protection Concerns with Cash Collateral Reinvestment In the US, Lenders typically receive cash collateral when lending securities and are responsible for setting the investment parameters for such cash. As the principal risk of loss on cash collateral reinvestments remains with the Lender, these investments should not expand the Lender s overall risk profile. By providing a program whereby Lenders can customize their investment guidelines, they will have a great deal of control of their investment exposures. In addition, to the extent investments are within the overall approved investment philosophy and parameters set by the Lender for its total activities, the Lender is in a better position to balance and match its complete exposure to reduce potential risks. Factors that support Lender protection for this aspect of lending include: a. Lender Directed Investments Lenders should be given the ability to create/design a customized cash collateral investment program that meets their own risk appetite and investment objectives/parameters. 1
3 The Lender should have the ability to set detailed investment parameters, including, but not limited to, credit quality parameters, specific concentration limits for any given investment type or issuer, duration limits on both individual investments and the aggregate portfolio, as well as the ability to restrict or limit exposure to individual issuers, guarantors, or counterparties. b. Cash Collateral Investment Models There are various models utilized for cash collateral investment. Separately managed accounts can provide flexibility and control for Lenders. Lenders select all of the investment criteria that they believe are appropriate for the given lending program. In addition, the Lender has the ability to change the criteria as conditions warrant. Lenders should also have the option to invest in collective investment vehicles or to invest cash collateral independently. These models can be used exclusively or together with a separately managed account model. The selected investment model should match the Lender s risk profile and the investor s overall investment parameters. A systemic compliance module is essential in supporting cash collateral investment, ensuring the Lender of automatic checks and balances of their specific requirements at the time investments are purchased. c. Flexibility The cash collateral investment guidelines should be flexible so that the Lender is able to adjust the cash collateral investment portfolio if it feels that it is in its best interest to do so. d. Transparency A key factor for Lenders is the ability to monitor their exposure at all times. For this reason the lending agent should maintain a reporting system that creates transparency of the investment portfolio at all times. Web-based reporting systems support full transparency of investments, earnings and performance by asset class. In addition, periodic reviews and discussions regarding the investment portfolio are useful tools implemented by the lending agent to ensure transparency. Again, client control, and specifically the ability to customize reporting, is extremely important. 2
4 e. Return Optimization of the return on the cash collateral within the given guidelines can only be viewed as part of the objective. When considering revenue targets, the Lender must take into account its risk profile and always factor into these targets the safety of principal. f. Other Options to USD Cash collateral As there are various types of Lenders participating in the securities lending market, there are various regulatory and other restrictions that limit the types of permitted collateral for select Lender categories. However, with a broad menu of collateral options, a Lender is able to lend to a broader audience of borrowers and increase its opportunity to match the risk of the asset with the liability side of the transaction. OECD Cash or debt can broaden the investment and loan options, as well as providing diversification that can offset risk. In addition to cash and debt instruments, equities as collateral may also present increased opportunity. Outside of the US, equity collateral has increased the borrower base, as well as the range of permitted (quality) collateral for lenders. Exchange traded equities provide more robust pricing than over-the-counter traded debt securities. In addition, the correlation in pricing of loaned equities to equity collateral can be viewed as a risk mitigant in the event of default. III. Investor Protection Concerns with Borrower Defaults The counterparty risk associated with securities lending is a well-hedged risk. There are several structural, operational and contractual protections within the standard lending format designed to provide protection against borrower default. Key among these factors are: a. Lender Directed Borrower Selection and Limitations A key control against borrower default is selection of the principal counterparty. As principal to the transaction, the Lender controls the counterparty selection and should have the ability to monitor and change its exposure to any borrower at any time. In addition to approving the counterparty, the Lender should be in a position to limit (on a dollar basis or percentage of portfolio basis) loans to any borrower. By having this control, the Lender can balance its overall exposure to a counterparty, factoring the 3
5 loan exposure into its total transaction exposure (for securities lending and non-lending activity) with a particular counterparty. b. Full Collateralization Securities loans are fully collateralized transactions. Whether with cash or other permitted collateral, the Lender should maintain collateral equal to at least 100% of the value of the loaned securities. In addition to ensuring that the loan is fully collateralized, the loan agreement should also provide that: (1) the Lender has immediate rights to the collateral in the event of a default, to provide prompt replacement of loaned securities and reduce the risk of change in the market price and (2) collateral can also be applied to other applicable losses resulting from the default, such as distributions payable at the time of default or other income due the Lender. The daily mark-to-market process serves as a consistent check and balance for ensuring full collateralization at all times during the term of a loan. c. Contractual Protections The lending agreement should clearly outline the triggers for borrower default and the remedies available to the Lender. In addition to the filing of a petition in bankruptcy or reorganization, the Lender s rights to declare a default may be triggered by failure of the Borrower to deliver additional collateral or to return collateral upon a request for termination, failure to pay distributions, misrepresentations or other breaches of the terms of the loan agreement, or failure of financial tests/requirements. d. Indemnification The lending agent in many cases offers the Lender a second layer of protection in the form of an indemnification against loss due to borrower default. Lenders should carefully consider the indemnity coverage, conditions required for triggering the indemnity and the timing of indemnity payments. e. Operational Procedures Stringent operational procedures are critical in exercising the rights provided by the contracts. Lender awareness of the systemic controls and specific operational processes will assist in the event such processes must be utilized in the case of a default. 4
6 IV. Investor Protection Concerns and Lending Agent Compensation and Fee Splits for US Domestic Lending Lenders should recognize in reviewing agency compensation and fee splits that there is no standard pricing. Lending agent compensation for US lending activity requires comprehensive modeling because it must consider quantitative and qualitative factors. It is important that Lenders are confident when looking at agency compensation that they are not comparing apples to oranges. The focus should always be on the services offered. a. Some of the quantitative factors that enter into agent compensation and fee splits include: overall gross opportunity, turnover rate and portfolio composition. b. Qualitative factors include: service requirements, indemnification, and client restrictions. V. Investor Protection Concerns and Proxy Voting In a securities lending transaction, the borrower generally receives incidents of ownership, including the ability to vote the borrowed shares. Accordingly, the lending agent should work with the Lender to accommodate the Lender s voting strategies, including through recall of shares if necessary. a. Flexibility The lending agent should maintain processes that are flexible so that the Lender can have options for voting proxies or not voting proxies. Various approaches can be implemented to address Lenders needs to participate in voting, including vote-by-vote instructions; policies not to participate in purely corporate housekeeping votes; and segregating a sub-set of assets on the books of the agent that are recalled for voting. The effectiveness of recalling securities for voting proxies may be impacted by the timing of the issuer s meeting announcement. b. Impact to Revenue Participation in proxy voting can affect securities lending revenue. VI. Other Factors that Impact Investor Protection Additional factors support investor protection in connection with securities lending. A central theme for these additional factors is communication. While contracts and systems provide a framework, in the end it is the participating 5
7 parties that ensure investor protection. As new challenges result from market changes and demands, it is essential that the Lender, their advisors, lending agent, borrowing counterparties and regulatory bodies maintain open dialogue to make the securities lending financial tool responsive to changing market needs, at the same time as maintaining the fundamental principles (incremental income with limited risk) on which this market has been established. For this reason, Lender protection must be built on a foundation of continuous Lender communication of issues and goals. a. Regulatory Responsiveness Dialogue between Lenders and their regulators can create more responsive regulatory action that speaks to the events and needs in the market that directly impact Lenders. One notable example is IRS Revenue Procedures , which provided that when cash collateral pledged against a securities loan on which the borrower has defaulted is utilized for the purchase of identical securities, the Lender would not recognize a gain or loss on borrowed securities provided that the collateral is applied within a practicable time period. This IRS action, taken at the time of the Lehman bankruptcy, directly addressed a specific, current and important issue for Lenders that existing regulations had not contemplated in practical terms. Open lines of communication can highlight to regulators practical issues that Lenders may be facing and provide better guidance for more responsive regulatory action. b. Role of Investment Advisors and Other Service Providers Investment advisors and other service providers play an important oversight role in ensuring that Lenders investment restrictions and objectives are met. These parties, working with the lending agent, can facilitate greater transparency, more effective checks and balances and a lending program that is consistent with the overall investment philosophy and objectives of the investor. c. Open Dialogue with Agent Bank Open dialogue is essential to the effectiveness of the agent bank to structure a lending program that meets the return objectives of the Lender and satisfies the Lender s individual risk profile. The ability to provide instructions in a timeefficient manner that is consistent with the standard operations of the Lender is basic to this communication. Periodic reviews of the program, as well as regular, customized reporting and daily access to loan and investment information, ensure transparency and control by the Lender. Finally, maintaining open dialogue will ensure that the securities lending program evolves and remains consistent with the constantly changing (and market sensitive) investment philosophy of the Lender. 6
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AvaTrade is a brokerage firm that was founded in the year 2006. The firm is an online company that specializes in trading foreign exchange currencies, CFD's and commodities. It is based in Dublin, Ireland and has a number of locations throughout the entire world. Investors who use AvaTrade as their forex broker can take advantage of a number of trading services which include Bitcoin, equities and Exchange Traded Funds. With a wide range of options, investors who use AvaTrade will be in position to diversify their portfolio and maximize their profits.
One of the things that helps establish the firm's credibility is the fact that it is one of the most legitimate online brokerage firms in the world. This firm is regulated by the Central Bank of Ireland as well as being regulated by a number of other regulating organizations in the world. As of today, the firm is regulated by the Australian Securities & Investments Commission and the Financial Services Agency of Japan. Due to being associated with a number of regulatory institutions, AvaTrade is able to convince all investors that it is trustworthy and will always have their best interests in mind.
With AvaTrade, investors will be able to take advantage of a number of platforms. By offering a wide range of trading platforms, investors will be in position to choose what trading option works best for them. The firm offers MetaTrader 4 for both PC and Mac, a mobile trading platform, one that offers floating spreads and also a web trading platform. Anyone that trades with this firm will also be in position to trade with AvaTradeAct which provides them with access to forex and CFD trading. Lastly, investors can take advantage of platforms that offer automated trading as well.
When looking to use AvaTrade as your broker, there are some other benefits that you should keep in mind. One of these is the ease of opening up an account. When looking to open an account, you will just need to fill out a questionnaire, provide identification and then deposit some funds. AvaTrade requires a very small amount so you can get started without having to invest so much capital. There are also educational tools and customer support which can help you get the most out of your trading experience with AvaTrade.


text:
September Update
At the conclusion of Stage One of the Master Plan, our consultant has discerned an approach that will be the foundation of further design development in the coming months. Broadly speaking the Master Plan proposes that the System Garden will be:
- An important learning and teaching aid
- A significant scientific resource
- An essential and unique component of the Parkville open space offering
- A key component of the campus sustainability strategy
- A place for indigenous connection
- Comprised of layers that reveal the history of the University and the history of Natural sciences.
A layout has been proposed that reinforces the garden's special place in the suite of campus open spaces or 'courts'. This proposal addresses many of the issues that are seen as critical to a positive outcome, such as:
- the sub-class beds that were recently lost to the WEBS development will be re-instated
- Scientific links with other allied gardens and institutions will be strengthened
- The pleasure ground function of the garden will be improved, providing better connected social space
- Interpretation will be improved
- The legibility of the space will be improved.


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