![]() JPM, Deutsche and Citigroup were underwriters in the transaction and were alleged to have agreed about the approach that they would take to the sale of an The case relates to an alleged criminal cartel arrangement between Deutsche Bank ( Deutsche), Citigroup, JP Morgan ( JPM) and the Australian and New Zealand Banking Group ( ANZ), in respect of an AUD $2.5 billion ANZ share placement in 2015 (hereafter, will be referred to as the Banking Cartel Case). Ultimately, we consider that while this issue raises fundamental questions regarding the maintenance of LPP claims in the context of an immunity process, it is unlikely to be determinative in the context of a corporation making a decision about whether or not to seek to become an IA, and may instead be a broader policy question for regulators to consider.īackground to the Banking Cartel Case prosecution We also consider possible strategies that regulators/prosecutors may be minded to adopt to practically reduce this risk for immunity/leniency applicants. In particular, we consider practical strategies prospective immunity (and leniency) applicants can take, when undertaking their internal cartel investigations and before they decide to engage with the regulators in respect of their involvement in the alleged cartel conduct (including by comparative reference to UK practices as we understand them). In this paper, we provide an overview of this issue and consider its practical implications. the external counsel engaged by the IA) providing legal advice and services to the IA. The issue at the centre of the dispute, and the focus of this paper, is whether a prospective cartel immunity applicant can reconcile its continuous disclosure obligations (required to maintain its immunity status), with its desire to protect confidential information and documents created as part of (i.e. ![]() The issue came to light in a recent interlocutory judgment in a prosecution of an alleged criminal cartel arrangement in the financial services industry. Yet, despite its well-established jurisprudential position, its utilisation to protect internal cartel investigation records of criminal cartel immunity applicants ( IA) from being disclosed to the regulator/investigator, the prosecutor and/or the defendants and/or the court in a cartel prosecution in Australia is unclear. ![]() As the Australian High Court once declared, it is “ a practical guarantee of fundamental constitutional or human rights”. Legal professional privilege ( LPP) has long been recognised as a powerful, though controversial protection. ![]()
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![]() ![]() Their compatibility across different devices and operating systems ensures seamless document access for users. PDFs have gained immense popularity and have become a standard method for document sharing due to their versatility, security features, and consistent formatting. Numerous software programs, many of which are freely available for download, offer the functionality to convert PDFs to editable formats. ![]() To modify the content of a PDF, it must first be converted to a different file format that supports editing. ![]() It’s important to note that PDFs are typically not editable directly. The printing industry also heavily relies on PDFs to facilitate electronic communication with customers.Ĭreating PDFs is a straightforward process, as they can be generated from various electronic document formats, including Word documents, PowerPoint presentations, and webpages. These features make PDFs highly secure and suitable for sensitive documents, such as medical records, legal documents, government forms, and invoices. Encryption, password protection, digital signatures, and document watermarking are among the security measures available. One of the key advantages of PDFs is their support for a range of security features. This unique approach ensures that PDFs are resolution independent, guaranteeing consistent document quality regardless of the viewing device or program. PDFs utilize a vector-based drawing model, storing graphical elements such as lines, shapes, and images as mathematical equations. It was specifically designed to provide a platform-independent solution for storing and sharing documents across various operating systems and over the Internet. PDF (Portable Document Format) is a widely used document file format developed by Adobe Systems in 1993. It is widely accepted by the design and publishing industry and is the go-to format for many professional designers. Overall, the AI file format is a versatile and powerful file format for vector graphics and artwork. Most high-end printers and publishing houses can work with AI files for printing or digital output. Due to its versatility, AI has become an industry standard file type and is widely accepted by printers and publishers. Other popular graphics software such as CorelDraw and Inkscape also have tools to open and manipulate AI files. Adobe Illustrator is the main application that can open and edit AI files. AI files are editable and can be easily converted to other image formats such as PNG, JPG, GIF, and more. This makes them extremely popular among designers and other professionals. AI files are composed of shapes, lines, paths, text, and other object-based artwork and can be scaled to any size without losing resolution or clarity. It is the standard format for vector graphics and is widely used in logos, advertisements, illustrations, technical drawings, and more. AI (Adobe Illustrator Artwork) is a popular vector image file format created by Adobe. ![]() ![]() ![]() Free employee cards with separate account numbers.Virtual card that can be used immediately upon approval when merchants check out with PayPal, in addition to a physical contactless card.Competitive APR for purchases ranging from 13.99%-29.99%.2% cashback on all purchases without a limit on cashback earned or category restrictions.The PayPal Business Cashback Mastercard was developed in conjunction with Austin-based Concerto Card Company, WebBank and Mastercard to provide PayPal merchants with access to a high quality, high value, small business credit card. This new solution continues PayPal’s commitment to supporting small businesses and offering options to help manage the day-to-day costs of operating their business.” “The PayPal Business Cashback Mastercard provides merchants greater value, more choice and the increased flexibility they need to manage their business finances, offering among the best value available on no annual fee business credit cards today. “As small business owners continue to recover from the challenges of the past two years, having multiple financing options to address their capital needs is more important than ever,” said Bernardo Martinez, Vice President of Global Merchant Lending, PayPal. 1 The PayPal Business Cashback Mastercard offers SMB owners the opportunity to qualify for a business credit card. ![]() According to the 2022 Small Business Credit Survey conducted by the Federal Reserve Banks, credit cards were the second most common form of financing sought by small businesses. Small businesses need an array of tools to fund their everyday business expenses in a flexible manner. Account and spending details are easily accessed through the cardholder’s PayPal Business account. Approved businesses are provided immediate access to their assigned credit limit through a virtual card that is automatically integrated into the business’s PayPal account and is immediately available as a payment method when merchants check out with PayPal. The PayPal Business Cashback Mastercard offers a simple way for businesses to pay for both everyday business expenses and those that may unexpectedly arise, while also earning cashback rewards on all purchases. The card has no annual fee and rewards cardholders with 2% cashback on all purchases with no rewards earning caps or expiration, making it among the highest cashback rewards value available. The PayPal Business Cashback Mastercard, issued by WebBank and powered by the Mastercard network, is the first business credit card offered through PayPal. ![]() (NASDAQ: PYPL) today announced it is expanding its suite of credit offerings to include a new business credit card to better meet the everyday financing needs of small business owners. The new PayPal Business Cashback Mastercard® is among the industry’s leading cashback business credit cards with no annual fee and 2% cashback on all purchases with no limit to the cashback that can be earned - helping small business owners get rewarded as they make business purchases. ![]() ![]() ![]() Just enter the name of your computer manufacturer followed by “drivers” and hit enter.ģ: This works differently for different manufacturers, some ask the serial numbers, some ask for model and series. Here is how:Ģ: Now simply search for your computer’s drivers. For this, you will have to download the network drivers and then install them. If none of the above methods work out for you then you have to install the network driver manually. Let the process complete and after that restart your computer and check if the problem is solved or not. If the above method didn’t work for you or shows “The best driver is already installed” then you can try reinstalling the network driver.ġ: Open the Windows Search bar, type “ Device Manager” and hit enter.Ģ: Double-click on ‘ Network adapters’ to expand.ģ: Select your network adapter, it could be Realtek, Broadcom, etc.Ĥ: Right-click on it and select ‘ Uninstall device’.ĥ: Finally, check the box reading “ Delete the driver software for this device” and click on Uninstall. Step 6: Now the computer will search and update the drivers for you.Ĭomplete the process and restart your computer. Here is how you can do it:ġ: From the Windows 10 taskbar, click on the WiFi icon on the right side.Ģ: Click on the ‘ Properties’ of your connected WiFi. In that case, changing your network profile is definitely a way to go. ![]() Windows 10 might automatically disconnect you from WiFi if it is Public and isn’t safe. WiFi Sense Ways to Fix When WiFi Keeps Getting Disconnetedĭepending on the problem with your PC there could be a number of solutions, you need to start with basic troubleshooting and look into different areas of the PC.Windows Network Services aren’t running.Windows 10 power management can also cause the WiFi trouble.There could be numerous reasons behind the problem, these are some common factors. If you are facing WiFi connectivity issues on your PC then in this article, you will find some ways to fix the frequent WiFi disconnection problem with your Windows 10. This could be very annoying especially when you are working online, streaming something, or even gaming. It doesn’t matter if you connect it again & again or even restart the PC or router, it keeps getting disconnects. Sometimes when you connect with a WiFi network on your Windows 10 PC, the WiFi keeps disconnecting at irregular intervals. ![]() ![]() ![]() And although the motor is a tad bit loud due to how powerful it is, and the metal casing does lack grip on most occasions, the Andis Professional Master is a necessity in my eyes due to its efficiency, longevity, and impressive flexibility! ![]() If you’re clumsy, then this device should be your perfect match, as its durable aluminium casing can withstand damage for a long, long time. Once fully charged, the device can persistently serve a series of clients for 90 whopping minutes. Since the blade is also a piece of zero-gap equipment, creating a bald fade can is also a notable trait of this device.Īmong the major selling points is its ability to recharge to a full battery life within an hour, which only exists due to its Li-Ion battery and its premium quality charging station. The overlapping blades specialize in creating neat lines in no time, but mostly stand out when getting rid of bulk. And although extending your current team will make things less challenging, resorting to the Andis Professional Master can also be a great notion to throw into the mix.īy producing 7200 SPM, the Andis Master can easily work past a coarse set of hair. However, if you’d like to learn everything about the items mentioned, I recommend you skim through the in-depth reviews below! Andis 12470 Professional Masterĭealing with an overwhelming amount of clients is far from pleasant, especially when it happens on a regular basis. If you’ve found the material in the previous paragraph, you’re probably aware of the blade type, weight, and one unique selling point of each exceptional clipper that Andis has under its belt. Due to their impressive attributes, the hair clippers are also eligible for professional use. Within those 100 years, through trial and error, Andis not only produced gadgets that catered to body grooming at home, but it also manufactured a series of top-quality hair clippers that can be used to maintain the hair, get rid of bulk, and create a range of iconic hairdos. The Wisconsin-based brand came into existence in 1922, and celebrated a century as a prominent brand in the hair industry around this time last year. If one of your hobbies is haircutting, Andis has to be a brand you’ve heard of. ![]() ![]() ![]() This data element may contain the same information as ''Provider location address country code''. The country code in the mailing address of the provider being identified. ![]() Provider Business Mailing Address Country Code This data element may contain the same information as ''Provider location address postal code''. NOTE: ZIP code plus 4-digit extension, if available. The postal ZIP or zone code in the mailing address of the provider being identified. Provider Business Mailing Address Postal Code This data element may contain the same information as ''Provider location address State name''. The State or Province name in the mailing address of the provider being identified. Provider Business Mailing Address State Name This data element may contain the same information as ''Provider location address City name''. The City name in the mailing address of the provider being identified. Provider Business Mailing Address City Name This data element may contain the same information as ''Provider first line location address''. The first line mailing address of the provider being identified. Provider First Line Business Mailing Address A field cannot contain all special characters. The Organization Name field allows the following special characters: ampersand, apostrophe, "at" sign, colon, comma, forward slash, hyphen, left and right parentheses, period, pound sign, quotation mark, and semi-colon. Provide organization name (legal business name used to file tax returns with the IRS). Provider Organization Name (Legal Business Name) The "parent"-we don't know who the parent is in this example-must ensure that each subpart that submits its own claims to health plans has its own NPI. Each line of business represents a different Healthcare Provider Taxonomy or area of specialization that often submits its own electronic claims to health plans. Neither the pharmacy line of business nor the DME line of business represent legal entities instead, both lines of business are part of an organization (the "parent") that is a legal entity. (3) A pharmacy fills prescriptions for patients whose physicians have prescribed medications for them and may also rent or sell durable medical equipment to patients whose physicians have ordered such equipment for them. The offices are examples of subparts that could have their own NPIs if the main location determines that they should. (2) A group practice that is not a sole proprietorship has a main location and could have other offices in different locations, but each office is not a separate legal entity instead, each office is part of the corporation (the "parent") which is a legal entity. The psychiatric unit is an example of a subpart that could have its own NPI if the hospital determines that it should. (1) The psychiatric unit in a hospital is not a legal entity but is part of the hospital (the "parent"), which is a legal entity. Here are three examples of organization health care providers that may be considered subparts and may apply for NPIs if so directed by their "parents": ![]() Many organization health care providers who apply for NPIs are not legal entities themselves but are parts of other organization health care providers that are legal entities (the "parents"). The Parent Organization LBN and TIN fields can only be completed if the answer to the subpart question is Yes. If the organization is a subpart =, the Parent Organization Legal Business Name (LBN) and Parent Organization Taxpayer Identification Number (TIN) fields must be completed. The "Is the organization a subpart?" question must be answered. ![]() 2 = (Non-person): entity other than an individual human being that furnishes health care (for example, hospital, SNF, hospital subunit, pharmacy, or HMO).1 = (Person): individual human being who furnishes health care.Full Replica of the CMS (NPPES) NPI Record Field Nameġ0-position all-numeric identification number assigned by the NPS to uniquely identify a health care provider.Ĭode describing the type of health care provider that is being assigned an NPI. ![]() ![]() Cover the tip or the cut corner with a damp cloth until you are ready to use to keep the icing from drying out. When dough has chilled, preheat oven to 350F. Wrap dough in plastic wrap and refrigerate for at least 3 hours. Divide the dough into 3 pieces, and flatten into rounded disk (about 1 1/2 inches thick). Gradually stir in the dry ingredients until they are fully incorporated. ![]() Add the flour mixture and mix until combined. Add brown sugar, molasses, eggs and vanilla. Beat until light and fluffy, about 2 minutes. Combine the butter and sugars in the bowl of an electric mixer. Transfer the remaining ⅓ of the icing to a pastry bag fitted with a Wilton tip 15 or heavy duty resealable plastic bag with one corner snipped off to create an ⅛-inch-long opening. 1 cup light brown sugar 1 cup light molasses 1 cup vegetable shortening 1 tablespoon baking soda 1 egg, lightly beaten ¼ teaspoon salt 2 teaspoons baking powder 1 tablespoon ground ginger ½. 10 mins Total Time: 10 mins Servings: 4 Yield: 1/2 cup Jump to Nutrition Facts This gingerbread cookie icing is the perfect finishing touch Your holiday baking projects deserve only the best, after all. Step-by-Step Instructions To begin, combine the flour, baking soda, salt, ginger, cinnamon, allspice, cloves, and black pepper in a medium bowl. Immediately transfer the icing to a pastry bag fitted with a Wilton tip 2 or heavy duty resealable plastic bag with one corner snipped off to create a 1⁄8-inch-wide opening. Increase to high speed and continue mixing until glossy and slightly stiffened, 3–4 minutes more. Drizzle in 5–6 tablespoons of cold water and run the machine until the mixture is smooth (if you live in a humid environment, start with 5 tablespoons of water, then thin as needed with the remaining tablespoon). To add the food coloring, divide it into bowls and mix the desired colors in each one. Cut into gingerbread men shapes with 5-inch cookie. FOR ICING: MIX confectioners sugar, water, meringue power and clear vanilla extract in a medium bowl on low speed until just mixed. Roll out dough to 1/4-inch thickness on lightly floured work surface. Turn the mixer down to low, then slowly add the remaining 4 cups powdered sugar until it is completely incorporated. Gradually beat in flour mixture on low speed until well mixed. ![]() Next, make the thinner icing: In the same bowl, add the remaining 2 egg whites and whisk on medium until frothy, 1–2 minutes. ![]() ![]() ![]() ![]() If you cannot open STEP file with any of the programs mentioned above, with universal viewer, or, you cannot convert them with any tool for this purpose, it is very likely that you are not dealing with a STEP file. Adding features to the 3D object such as shadow or changing its color.2D view of 3D object planes and surfaces.For example, if you try to open a file with a viewer, you can get the following features: To open STEP file, just have the appropriate software installed, either paid or free. Most of them are free and can be easily downloaded from the web, such is the case of STP viewer for Windows (), which is suitable for opening STEP, STP files and many other types of 3D modeling files. There are also some universal viewers that can help you with your task. ![]() NOTE: Although they use the same format and design philosophy, STEP differs somewhat from the STP files therefore they should not be confused.Īpplications that open STEP files Windows This greatly increases the likelihood of being able to open the 3D file if another CAD user shares it as a STEP 3D model, even if the recipient is using different software. Its use and goals are similar to the PDF format for storing high compatibility documents. To solve this problem, the STEP format was created as an ISO standard. In the CAD industry, it can be difficult to share models between users with different software and CAD systems. It contains three-dimensional data in a format that can be recognized by various programs. A STEP file is used to store 3D models formatted in an ISO 10303-21 standard for the purpose of the exchange of 3D product data. ![]() ![]() But, a number of bishops and other church leaders – mostly in the U.S. In 2019, the United Methodist General Conference voted to uphold those bans. The problem, as Haworth sees it, is that church leaders openly defy this official teaching and other rules that flow from it such as bans on ordaining LGBTQ clergy and blessing of same-sex marriages. It states, "Homosexuality is incompatible with Christian teaching." "And we believe, as do many Christians, that the Bible is very specific in that teaching."Īnd he believes that teaching is accurately reflected in the United Methodist Church's official rule book, called the Book of Discipline. "Most recent and probably most prominent is the differences of opinion we have with regard to homosexuality, marriage in general, the sexual ethic," he says. Pride Month Why you might notice more religious groups at Pride celebrations this year More recently, the congregation voted unanimously to leave the United Methodist Church because of what Haworth describes as a drift from traditional biblical teachings on morality. He says that when he arrived, the 50-member congregation was already unhappy with the direction of the denomination. Haworth, a lifelong United Methodist who's been a pastor his entire professional life, came to The Fount nine years ago. The United Methodist congregation was founded in 1964, during boom times in Southern California. "So when we say we're the church, we're referring to our Lord and not ourselves." He wants to make clear what the banner means. "Come thou fount of every blessing," reads Glen Haworth as he gestures toward the front of the sanctuary. His congregation voted unanimously to leave the United Methodist Church, primarily due to LGBTQ issues.Ī blue and white banner hangs behind the altar table at The Fount Church in Fountain Valley, Calif. Glen Haworth has been pastor of The Fount Church in Fountain Valley, Calif. ![]() ![]() ![]() ![]() The platform charges 1% commission per transaction which is costlier than Binance’s no-commission trading and may not appeal to active day traders, yet the platform offers free card deposits along with no maintenance fees and still remains a lower trading cost for market standards. Investments are subject to market risk, including the loss of principal.īy combining an easy-to-navigate platform, a wealth of educational materials, over 70 cryptocurrencies to trade with, and social investing capabilities, eToro makes an excellent alternative to Binance. and eToro UK Ltd.) & USA (by eToro USA LLC) which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework. In this case, staff at the Commission chose to state that they “believed” Voyager and Binance US may have broken securities laws rather than really having one.This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. ![]() The judge’s alleged response was a result of the SEC not taking a formal position on the subject. Judge Michael Wiles, however, is said to have been unpersuaded by the SEC’s opposition. As a result, they label Binance US as an unregistered securities exchange. The regulatory agency also stated that the transactions to return assets to US customers “may violate” its rules prohibiting the sale of unregistered securities. The aforementioned allegation allegedly surfaced before the end of February this year. SEC: Voyager is an Unregistered SecurityĪccording to the SEC, Voyager’s VGX token may be an unregistered security. The Southern District of New York’s attorney has reportedly labeled the said move, which seeks legal protection from potential civil or criminal fraud charges, as “blatantly illegal,” and the state securities regulator in New Jersey has stated that it supports this objection. According to reports, the said regulatory agency has requested additional information about the financial viability of Binance US’s business, a request that only they have made.Īccording to reports, the Federal Trade Commission, as well as Texas regulators the Texas State Securities Board and the Texas Department of Banking, have filed their own objections to the transaction, but on different and disparate grounds. The Securities and Exchange Commission of the United States allegedly filed an objection to the said transaction in early January of this year. The aforementioned assertion is believed to have been questioned, including the bankruptcy procedure for the crypto broker. The aforementioned affiliate, despite being an affiliate, claims to operate independently from Binance and is purportedly serving American consumers. According to reports, the now-bankrupt crypto broker had to sell its distressed assets to Binance US, who will now handle returning the money to the company’s customers.Īs the American subsidiary of Binance, the largest cryptocurrency exchange in the world, Binance US is well-known. This is said to have happened after a bankruptcy judge approved the process today, despite the Securities and Exchange Commission’s objections. Binance, the largest cryptocurrency exchange platform, is reportedly getting closer to acquiring the assets of Voyager Digital, a cryptocurrency broker. ![]() |
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