This presentation on dealer compliance issues was given in June of 2011 at 6 locations throughout Colorado in conjunction with the Colorado Automobile Dealers Association.
Compliance Guide Presentation Full Guide V6 7 12 2011 Session Re SortDommermuth
This document provides an overview and summary of Colorado laws and regulations that impact vehicle dealers. It was created by Michael Dommermuth, an attorney, and the Colorado Automobile Dealers Association to serve as a compliance guide for dealers. The guide covers many topics in a summarized and organized manner with references to relevant statutes, regulations, and additional resources. It is intended to be updated annually to reflect any changes from legislative sessions.
Glass Fibers: Fiberglass/Glass Wool and Glass Fiber Reinforcements – A Global...Industry Experts
Market for Glass Fiber product segments analyzed in this study includes Fiberglass/Glass Wool and Glass Fiber Reinforcements. The report analyses the market in terms of volume consumptions in metric tons as well as value consumption in US$ dollars. The report also includes the end-use application analysis for Fiberglass/Glass Wool – Residential Construction, Commercial & Industrial Construction, Industrial & HVAC Applications and Appliances & Other; and Glass Fiber Reinforcements – Automotive & Transportation, Marine, Wind Energy, Pipe, Tank & Other Corrosion Resistant Equipment, Building & Construction, Electrical & Electronics, Consumer Goods, Aerospace & Defense and Others.
Work is defined as the product of the applied force and the parallel distance over which it acts, measured in joules. There are two main types of energy: kinetic energy, which is the energy of motion; and potential energy, which is stored energy. Energy can change forms but is never created or destroyed based on the law of conservation of energy. Power is the rate at which work is done and is measured in watts, with one watt equaling one joule per second. The document then concludes with homework assignments.
This document provides an overview of key marketing concepts including the marketing mix, market segmentation, product planning and development, and promotion strategies. It discusses topics such as the 4Ps of marketing (product, price, place, promotion), developing market segments, conducting consumer analysis, the product life cycle, and the different elements of the promotion mix (advertising, publicity, personal selling, sales promotion). The document aims to educate about fundamental marketing activities and strategies.
This document contains information about Filter Recycling Services, Inc. It summarizes their soil recycling services for contaminated soils. Their portable soil recycling system can treat soils on-site to solidify or stabilize contaminants like hydrocarbons and metals. The treated soil can then be reused as backfill or in asphalt. Their equipment includes a 600 ton per hour pugmill that mixes binding reagents to ensure contaminants are encapsulated and converted to less hazardous forms. Filter Recycling also provides testing to evaluate site conditions and optimize the treatment process.
Cleveland Brothers is a construction equipment company founded in 1937 that operates through four divisions: construction equipment, rentals, power systems, and aggregate products. It has over 1,200 employees across 27 facilities in central Pennsylvania. The document discusses life cycle costing (LCC), which evaluates the total cost of owning a piece of equipment over its lifetime, including purchase price, fuel, maintenance, repairs and resale value. It provides an example LCC calculation for a Caterpillar motor grader over five years to demonstrate how LCC determines the lowest overall cost rather than just the initial purchase price.
Compliance Guide Presentation Full Guide V6 7 12 2011 Session Re SortDommermuth
This document provides an overview and summary of Colorado laws and regulations that impact vehicle dealers. It was created by Michael Dommermuth, an attorney, and the Colorado Automobile Dealers Association to serve as a compliance guide for dealers. The guide covers many topics in a summarized and organized manner with references to relevant statutes, regulations, and additional resources. It is intended to be updated annually to reflect any changes from legislative sessions.
Glass Fibers: Fiberglass/Glass Wool and Glass Fiber Reinforcements – A Global...Industry Experts
Market for Glass Fiber product segments analyzed in this study includes Fiberglass/Glass Wool and Glass Fiber Reinforcements. The report analyses the market in terms of volume consumptions in metric tons as well as value consumption in US$ dollars. The report also includes the end-use application analysis for Fiberglass/Glass Wool – Residential Construction, Commercial & Industrial Construction, Industrial & HVAC Applications and Appliances & Other; and Glass Fiber Reinforcements – Automotive & Transportation, Marine, Wind Energy, Pipe, Tank & Other Corrosion Resistant Equipment, Building & Construction, Electrical & Electronics, Consumer Goods, Aerospace & Defense and Others.
Work is defined as the product of the applied force and the parallel distance over which it acts, measured in joules. There are two main types of energy: kinetic energy, which is the energy of motion; and potential energy, which is stored energy. Energy can change forms but is never created or destroyed based on the law of conservation of energy. Power is the rate at which work is done and is measured in watts, with one watt equaling one joule per second. The document then concludes with homework assignments.
This document provides an overview of key marketing concepts including the marketing mix, market segmentation, product planning and development, and promotion strategies. It discusses topics such as the 4Ps of marketing (product, price, place, promotion), developing market segments, conducting consumer analysis, the product life cycle, and the different elements of the promotion mix (advertising, publicity, personal selling, sales promotion). The document aims to educate about fundamental marketing activities and strategies.
This document contains information about Filter Recycling Services, Inc. It summarizes their soil recycling services for contaminated soils. Their portable soil recycling system can treat soils on-site to solidify or stabilize contaminants like hydrocarbons and metals. The treated soil can then be reused as backfill or in asphalt. Their equipment includes a 600 ton per hour pugmill that mixes binding reagents to ensure contaminants are encapsulated and converted to less hazardous forms. Filter Recycling also provides testing to evaluate site conditions and optimize the treatment process.
Cleveland Brothers is a construction equipment company founded in 1937 that operates through four divisions: construction equipment, rentals, power systems, and aggregate products. It has over 1,200 employees across 27 facilities in central Pennsylvania. The document discusses life cycle costing (LCC), which evaluates the total cost of owning a piece of equipment over its lifetime, including purchase price, fuel, maintenance, repairs and resale value. It provides an example LCC calculation for a Caterpillar motor grader over five years to demonstrate how LCC determines the lowest overall cost rather than just the initial purchase price.
Michele D. Lipscomb has over 7 years of experience in title insurance and legal claims processing. She has a Bachelor's degree in General Management and is seeking a full-time position. Her experience includes verifying loan and closing documents, uploading real estate records, assisting with claims processing, and providing excellent customer service.
This is the slideware from the live webinar hosted by inQuba in South Africa, on the 28th May 2020. The recording is available here: https://youtu.be/o74XndOxzR8
The Science of Creating Insurance Journeys That Your Clients Love
Do you really know why your clients are leaving, and exactly what you can do to keep them?
There are only a handful of reasons why clients leave their insurers. The good news is that a 100% boost in retention, acquisition and online conversion is now within reach.
The world has changed forever, but clients are still won or lost at moments of truth. During this webinar we discuss the following:
• The top reasons for churn in insurance
• How to solve for retention – the three categories of solutions
• How to create visibility of churn and retention throughout the business.
• How to get started!
Our guest speaker was insurance industry expert Clive Jainerain.
Credit, Qualifying & Completing an ApplicationScott Schang
This document summarizes a presentation about credit, qualifying for a mortgage loan, and completing a loan application for first-time home buyers. The presentation covers understanding credit reports and credit scores, the different types of loans and how they affect credit, steps to improve credit, completing a loan application including income, asset, and liability documentation, the loan qualification process through automated underwriting systems, and next steps for attendees. The presentation aims to educate home buyers on building good credit, qualifying for a loan, and completing the application process.
Discussion of basic contract principles and negotiation strategy for credit unions and other financial institutions in their agreements with outsourcing vendors. Focus on assessing risk, developing appropriate mitigation strategies and practical steps a credit union can take to obtain a positive outcome.
This document summarizes Marlin's lease financing services for computer dealers and VARs. Marlin offers total project financing that allows including equipment, installation, and training costs in one payment. It also provides a cost justification program and marketing support to help sellers close deals. Leasing provides tax advantages for customers and allows sellers to overcome pricing objections while increasing sales and profits. Benefits to customers include a source of capital, tax advantages, and flexible payment options.
Trade Risk Guaranty presents ways to protect yourself and mitigate the risks of Antidumping and Countervailing. The following topics are covered in detail along with a question and answer section with one of TRG's in-house Customs Brokers.
View the Full Webinar: https://youtu.be/ZP2DtM2VQtY
Jack Holland has over 20 years of experience in healthcare claims processing, provider enrollment, insurance adjusting, and sales. He has extensive skills in Microsoft Office, management, and systems sales and implementation. His background includes roles as a provider enrollment representative, customer service representative, auto damage estimator, and small business owner of an industrial finishing systems company.
Credit Qualifying, and Completing Loan ApplicationScott Schang
This document summarizes a presentation about credit, qualifying for a mortgage loan, and completing a loan application for first-time home buyers. The presentation covers understanding credit reports and credit scores, the different components of a loan application including employment and housing history, assets/liabilities, and legal declarations. It also discusses the loan qualification process, including automated underwriting systems and compensating factors. The presentation aims to educate home buyers on improving their credit, completing a strong loan application, and the steps to get approved for a mortgage loan.
The document provides information to homeowners affected by the 2007 California wildfires on legal issues related to underinsurance claims. It discusses determining if a homeowner is underinsured, strategies for negotiating claims, documenting the scope of loss, obtaining independent estimates, and pursuing legal remedies if an insurance company refuses to fully cover costs. Key steps include calculating total losses, reviewing coverage limits, consulting an attorney, and filing a complaint with the Department of Insurance if necessary.
Ever wondered the difference between fleet cards and gas cards? This slide show details the differences between the two and the benefits of using fleet cards.
The document discusses key topics related to credit applications including:
1. The importance of credit applications as part of an overall credit policy for evaluating customer creditworthiness and establishing terms of credit.
2. Legal issues surrounding credit applications such as requirements for signatures, privacy laws, data retention policies.
3. Specific components that should be included in a well-designed credit application such as applicant information, terms and conditions, certifications.
The document discusses key topics related to credit applications including:
1. The importance of credit applications as part of an overall credit policy for a business. Credit applications should include essential information about the applicant and terms of the credit extension.
2. Legal issues regarding electronic signatures, privacy laws, data retention, and compliance with statutes such as the Equal Credit Opportunity Act must be addressed in credit applications and policies.
3. International credit applications may require additional terms and conditions to address cross-border business issues. Confidentiality agreements can also accompany credit applications to protect private applicant information.
The Contractor Performance Assessment Reporting System (CPARS) provides a record of a contractor's performance on government contracts. Agencies use CPARS to support best value decisions and motivate improved contractor performance. CPARS includes ratings in areas like technical performance, schedule, and cost control. Contractors can view and comment on reports, and there are training resources to help contractors understand the CPARS process.
The document discusses TradeCard, a platform that connects buyers, sellers, and banks to automate trade transactions from purchase order to settlement. It outlines key benefits of TradeCard including increased visibility, collaboration and efficiency throughout the supply chain. Settlement options on TradeCard include standard settlement, early payment programs, and optional credit protection. TradeCard aims to reduce costs and improve cash flow for all parties involved in global trade.
The document provides an overview of the home buying process including preparing financially, getting pre-approved for a loan, shopping for a home, making an offer, applying for a mortgage, and completing the closing process. It discusses factors that affect offering prices like comparable sales, property condition, and market conditions. The document also covers obtaining credit reports and scores, types of financing including FHA and VA loans, and selecting service providers for escrow, title insurance, and inspections.
Grow Your Business With Residential Maintenance Agreements - Kevin NottKevin Nott
The document provides tips for residential maintenance companies to grow their business through maintenance agreements. It discusses four key principles: 1) Matching capacity to demand to ensure technicians are fully scheduled. 2) Easing customers' pain by addressing their concerns and anxieties. 3) Providing an exceptional customer experience ("WOW" factor). 4) Personalizing service for each customer. Additional details are given on developing a maintenance program, converting tune-ups into agreements, and marketing strategies.
The document discusses various types of IRS audits including correspondence audits, office audits, and field audits. It provides details on the audit processes, the taxpayer and practitioner's roles, burden of proof, settlement options, statutes of limitations, and the appeals process. Key points covered include the scope of representation, audit strategies, document requests, establishing burden of proof, settlement forms like 870 and 866, statutes of limitations including waivers, and the mission and jurisdiction of the IRS Appeals Office.
This document discusses how accounts payable departments can be transformed into revenue generators by implementing electronic payment solutions. It outlines the benefits of Comdata's virtual card payment processing platform, which allows companies to reduce costs, generate revenue from rebates on vendor payments, streamline payment processes, and eliminate check fraud risks. Implementation involves enrolling vendors onto the platform to accept virtual card payments as an alternative to checks. Case studies show how large companies have successfully adopted Comdata's solution to improve payment processing and lower expenses.
This document discusses how accounts payable departments can be transformed into revenue generators by implementing electronic payment solutions. It outlines the benefits of Comdata's virtual card payment platform, which allows companies to pay vendors electronically and earn rebates on payment volume. The solution reduces costs associated with check processing while streamlining payment delivery and reconciliation. Case studies show how large companies have successfully enrolled vendors onto the platform and generated substantial cost savings and rebate revenue.
Michele D. Lipscomb has over 7 years of experience in title insurance and legal claims processing. She has a Bachelor's degree in General Management and is seeking a full-time position. Her experience includes verifying loan and closing documents, uploading real estate records, assisting with claims processing, and providing excellent customer service.
This is the slideware from the live webinar hosted by inQuba in South Africa, on the 28th May 2020. The recording is available here: https://youtu.be/o74XndOxzR8
The Science of Creating Insurance Journeys That Your Clients Love
Do you really know why your clients are leaving, and exactly what you can do to keep them?
There are only a handful of reasons why clients leave their insurers. The good news is that a 100% boost in retention, acquisition and online conversion is now within reach.
The world has changed forever, but clients are still won or lost at moments of truth. During this webinar we discuss the following:
• The top reasons for churn in insurance
• How to solve for retention – the three categories of solutions
• How to create visibility of churn and retention throughout the business.
• How to get started!
Our guest speaker was insurance industry expert Clive Jainerain.
Credit, Qualifying & Completing an ApplicationScott Schang
This document summarizes a presentation about credit, qualifying for a mortgage loan, and completing a loan application for first-time home buyers. The presentation covers understanding credit reports and credit scores, the different types of loans and how they affect credit, steps to improve credit, completing a loan application including income, asset, and liability documentation, the loan qualification process through automated underwriting systems, and next steps for attendees. The presentation aims to educate home buyers on building good credit, qualifying for a loan, and completing the application process.
Discussion of basic contract principles and negotiation strategy for credit unions and other financial institutions in their agreements with outsourcing vendors. Focus on assessing risk, developing appropriate mitigation strategies and practical steps a credit union can take to obtain a positive outcome.
This document summarizes Marlin's lease financing services for computer dealers and VARs. Marlin offers total project financing that allows including equipment, installation, and training costs in one payment. It also provides a cost justification program and marketing support to help sellers close deals. Leasing provides tax advantages for customers and allows sellers to overcome pricing objections while increasing sales and profits. Benefits to customers include a source of capital, tax advantages, and flexible payment options.
Trade Risk Guaranty presents ways to protect yourself and mitigate the risks of Antidumping and Countervailing. The following topics are covered in detail along with a question and answer section with one of TRG's in-house Customs Brokers.
View the Full Webinar: https://youtu.be/ZP2DtM2VQtY
Jack Holland has over 20 years of experience in healthcare claims processing, provider enrollment, insurance adjusting, and sales. He has extensive skills in Microsoft Office, management, and systems sales and implementation. His background includes roles as a provider enrollment representative, customer service representative, auto damage estimator, and small business owner of an industrial finishing systems company.
Credit Qualifying, and Completing Loan ApplicationScott Schang
This document summarizes a presentation about credit, qualifying for a mortgage loan, and completing a loan application for first-time home buyers. The presentation covers understanding credit reports and credit scores, the different components of a loan application including employment and housing history, assets/liabilities, and legal declarations. It also discusses the loan qualification process, including automated underwriting systems and compensating factors. The presentation aims to educate home buyers on improving their credit, completing a strong loan application, and the steps to get approved for a mortgage loan.
The document provides information to homeowners affected by the 2007 California wildfires on legal issues related to underinsurance claims. It discusses determining if a homeowner is underinsured, strategies for negotiating claims, documenting the scope of loss, obtaining independent estimates, and pursuing legal remedies if an insurance company refuses to fully cover costs. Key steps include calculating total losses, reviewing coverage limits, consulting an attorney, and filing a complaint with the Department of Insurance if necessary.
Ever wondered the difference between fleet cards and gas cards? This slide show details the differences between the two and the benefits of using fleet cards.
The document discusses key topics related to credit applications including:
1. The importance of credit applications as part of an overall credit policy for evaluating customer creditworthiness and establishing terms of credit.
2. Legal issues surrounding credit applications such as requirements for signatures, privacy laws, data retention policies.
3. Specific components that should be included in a well-designed credit application such as applicant information, terms and conditions, certifications.
The document discusses key topics related to credit applications including:
1. The importance of credit applications as part of an overall credit policy for a business. Credit applications should include essential information about the applicant and terms of the credit extension.
2. Legal issues regarding electronic signatures, privacy laws, data retention, and compliance with statutes such as the Equal Credit Opportunity Act must be addressed in credit applications and policies.
3. International credit applications may require additional terms and conditions to address cross-border business issues. Confidentiality agreements can also accompany credit applications to protect private applicant information.
The Contractor Performance Assessment Reporting System (CPARS) provides a record of a contractor's performance on government contracts. Agencies use CPARS to support best value decisions and motivate improved contractor performance. CPARS includes ratings in areas like technical performance, schedule, and cost control. Contractors can view and comment on reports, and there are training resources to help contractors understand the CPARS process.
The document discusses TradeCard, a platform that connects buyers, sellers, and banks to automate trade transactions from purchase order to settlement. It outlines key benefits of TradeCard including increased visibility, collaboration and efficiency throughout the supply chain. Settlement options on TradeCard include standard settlement, early payment programs, and optional credit protection. TradeCard aims to reduce costs and improve cash flow for all parties involved in global trade.
The document provides an overview of the home buying process including preparing financially, getting pre-approved for a loan, shopping for a home, making an offer, applying for a mortgage, and completing the closing process. It discusses factors that affect offering prices like comparable sales, property condition, and market conditions. The document also covers obtaining credit reports and scores, types of financing including FHA and VA loans, and selecting service providers for escrow, title insurance, and inspections.
Grow Your Business With Residential Maintenance Agreements - Kevin NottKevin Nott
The document provides tips for residential maintenance companies to grow their business through maintenance agreements. It discusses four key principles: 1) Matching capacity to demand to ensure technicians are fully scheduled. 2) Easing customers' pain by addressing their concerns and anxieties. 3) Providing an exceptional customer experience ("WOW" factor). 4) Personalizing service for each customer. Additional details are given on developing a maintenance program, converting tune-ups into agreements, and marketing strategies.
The document discusses various types of IRS audits including correspondence audits, office audits, and field audits. It provides details on the audit processes, the taxpayer and practitioner's roles, burden of proof, settlement options, statutes of limitations, and the appeals process. Key points covered include the scope of representation, audit strategies, document requests, establishing burden of proof, settlement forms like 870 and 866, statutes of limitations including waivers, and the mission and jurisdiction of the IRS Appeals Office.
This document discusses how accounts payable departments can be transformed into revenue generators by implementing electronic payment solutions. It outlines the benefits of Comdata's virtual card payment processing platform, which allows companies to reduce costs, generate revenue from rebates on vendor payments, streamline payment processes, and eliminate check fraud risks. Implementation involves enrolling vendors onto the platform to accept virtual card payments as an alternative to checks. Case studies show how large companies have successfully adopted Comdata's solution to improve payment processing and lower expenses.
This document discusses how accounts payable departments can be transformed into revenue generators by implementing electronic payment solutions. It outlines the benefits of Comdata's virtual card payment platform, which allows companies to pay vendors electronically and earn rebates on payment volume. The solution reduces costs associated with check processing while streamlining payment delivery and reconciliation. Case studies show how large companies have successfully enrolled vendors onto the platform and generated substantial cost savings and rebate revenue.
Similar to Compliance Guide Presentation (Full Guide) (20)
Prescriptive analytics BA4206 Anna University PPTFreelance
Business analysis - Prescriptive analytics Introduction to Prescriptive analytics
Prescriptive Modeling
Non Linear Optimization
Demonstrating Business Performance Improvement
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
https://rb.gy/usj1a2
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Profiles of Iconic Fashion Personalities.pdfTTop Threads
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
Discover the Beauty and Functionality of The Expert Remodeling Serviceobriengroupinc04
Unlock your kitchen's true potential with expert remodeling services from O'Brien Group Inc. Transform your space into a functional, modern, and luxurious haven with their experienced professionals. From layout reconfiguration to high-end upgrades, they deliver stunning results tailored to your style and needs. Visit obriengroupinc.com to elevate your kitchen's beauty and functionality today.
Best Competitive Marble Pricing in Dubai - ☎ 9928909666Stone Art Hub
Stone Art Hub offers the best competitive Marble Pricing in Dubai, ensuring affordability without compromising quality. With a wide range of exquisite marble options to choose from, you can enhance your spaces with elegance and sophistication. For inquiries or orders, contact us at ☎ 9928909666. Experience luxury at unbeatable prices.
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
The Most Inspiring Entrepreneurs to Follow in 2024.pdfthesiliconleaders
In a world where the potential of youth innovation remains vastly untouched, there emerges a guiding light in the form of Norm Goldstein, the Founder and CEO of EduNetwork Partners. His dedication to this cause has earned him recognition as a Congressional Leadership Award recipient.
AI Transformation Playbook: Thinking AI-First for Your BusinessArijit Dutta
I dive into how businesses can stay competitive by integrating AI into their core processes. From identifying the right approach to building collaborative teams and recognizing common pitfalls, this guide has got you covered. AI transformation is a journey, and this playbook is here to help you navigate it successfully.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
SATTA MATKA SATTA FAST RESULT KALYAN TOP MATKA RESULT KALYAN SATTA MATKA FAST RESULT MILAN RATAN RAJDHANI MAIN BAZAR MATKA FAST TIPS RESULT MATKA CHART JODI CHART PANEL CHART FREE FIX GAME SATTAMATKA ! MATKA MOBI SATTA 143 spboss.in TOP NO1 RESULT FULL RATE MATKA ONLINE GAME PLAY BY APP SPBOSS