The Federation of European Risk Management Associations (FERMA) responds to the European Commission's consultation on collective redress. FERMA represents 4,000 risk managers from major companies and public authorities in 17 European countries. FERMA believes that alternative dispute resolution should be improved before introducing collective redress mechanisms. FERMA is concerned that collective redress could increase insurance costs and litigation. FERMA urges focusing on improving out-of-court settlements and alternative dispute resolution across the EU before establishing collective redress frameworks.
VIETNAM – INFRASTRUCTURE AND PUBLIC PRIVATE PARTNERSHIPS – THE EVFTA AND CPTP...Dr. Oliver Massmann
VIETNAM – INFRASTRUCTURE AND PUBLIC PRIVATE PARTNERSHIPS – THE EVFTA AND CPTPP – MAKING USE OF VIETNAM’S COMMITMENTS TO MODERNIZE VIETNAM’S INFRASTRUCTURE: WHAT YOU MUST KNOW
A diverse set of articles for this month.
• firstly, Anja Beriro considers the recent European Court of Justice judgement in an Italian procurement case that includes some very useful guidance on what to consider when looking at Part B contracts, cross-border interest and the application of the 2004 Directive
• Lynne Rathbone looks at the latest developments in the ongoing fiscal devolution debate
• Sarah Hooton examines the impact of recent developments in employment case law on pay and overtime
• we finish off by taking a dip in the pool with Neil Walker and the second instalment in a series of articles focusing on local authorities and land collaboration/joint ventures.
Presentation by Wojciech Hartung, Poland, on the functioning of legal protection measures in EU countries, at the SIGMA webinar on public procurement reality and challenges of post COVID, held on 26 January 2021.
INDEPENDENT ADMINISTRATIVE AUTHORITIES IN ITALY NAMES AND FUNCTIONStelosaes
The European Union imposed to Member States to liberalise strategic sectors of the economy (transportation, energy, telecommunications). To ensure respect for the rules governing the free market, Italy created the independent administrative authorities.
VIETNAM – INFRASTRUCTURE AND PUBLIC PRIVATE PARTNERSHIPS – THE EVFTA AND CPTP...Dr. Oliver Massmann
VIETNAM – INFRASTRUCTURE AND PUBLIC PRIVATE PARTNERSHIPS – THE EVFTA AND CPTPP – MAKING USE OF VIETNAM’S COMMITMENTS TO MODERNIZE VIETNAM’S INFRASTRUCTURE: WHAT YOU MUST KNOW
A diverse set of articles for this month.
• firstly, Anja Beriro considers the recent European Court of Justice judgement in an Italian procurement case that includes some very useful guidance on what to consider when looking at Part B contracts, cross-border interest and the application of the 2004 Directive
• Lynne Rathbone looks at the latest developments in the ongoing fiscal devolution debate
• Sarah Hooton examines the impact of recent developments in employment case law on pay and overtime
• we finish off by taking a dip in the pool with Neil Walker and the second instalment in a series of articles focusing on local authorities and land collaboration/joint ventures.
Presentation by Wojciech Hartung, Poland, on the functioning of legal protection measures in EU countries, at the SIGMA webinar on public procurement reality and challenges of post COVID, held on 26 January 2021.
INDEPENDENT ADMINISTRATIVE AUTHORITIES IN ITALY NAMES AND FUNCTIONStelosaes
The European Union imposed to Member States to liberalise strategic sectors of the economy (transportation, energy, telecommunications). To ensure respect for the rules governing the free market, Italy created the independent administrative authorities.
Fedele Cappiello - Young Risk Professional InterviewFERMA
The Young Risk Professionals Network is targeted at European Risk Professionals under 35 years of age, and provides a platform for discussion and networking. We aim to raise awareness of Risk Management, and show the benefits of collaboration across industries and countries. This group, for experienced Young Risk professionals and aspiring students alike, provides the opportunity to share insights and experiences of working in Risk Management, as well helping build a vision of the industry’s future.
On LinkedIn the top right hand corner, search Groups for ‘Young Risk Professionals’ or click here: http://www.linkedin.com/groups/Young-Risk-Professionals-4086521
The 4-star Danubius Hotel Astoria in the heart of Budapest, built on the site of the medieval town walls, is one of the most charming old-style hotels of Hungary's capital. As the slogan of the hotel goes, Astoria offers "Tradition and style..." with its last turn-of-the-century atmosphere.
Due to the hotel's excellent services and ideal location in the heart of the historical city centre, within walking distance from the administrative, business and cultural districts and the famous shopping areas of Váci Street, the hotel is very popular among foreigners and citizens as well. After an exhausting day spent with sightseeing or shopping it is good to sit back and relax, have a delicious dinner or a fine coffee in Mirror Café & Restaurant evoking the ambiance of "la belle époque".
Danubius Health Spa Resort Margitsziget in Budapest, HungaryDanubius Hotels
The four-star Danubius Health Spa Resort Margitsziget (formerly Danubius Thermal Hotel Margitsziget) was the first metropolitan spa hotel in the world offering a wide range of spa and wellness services. The hotel has recently been renovated in harmony with its woodland setting on Budapest's beautiful Margaret Island. The hotel now boasts one of Europe's top Health Spas, the therapies of which are based on the utilisation of three of the island's natural thermal springs.
Danubius Health Spa Resort Margitsziget is situated on Budapest's Margaret Island, adjacent to Danubius Grand Hotel Margitsziget, connected to it by a heated underground corridor.
The four-star Danubius Hotel Gellért is one of the most famous traditional hotels in Budapest and Hungary. Sophisticated guests, who admire unique historic atmosphere and dedicated service, will adore this preserved architectural jewel.
The hotel was constructed on the right bank of the River Danube, between 1916 and 1918 and has maintained the highest recognition ever since. Its opulent spaces and pools have been the most favoured centre of Budapest’s social life. Noble guests statesmen, politicians, actors, musicians enjoyed the luxury and attentive service here.
This grand Art Nouveau-style building shares its premises with the most beautiful medicinal bath of Hungary, the Gellert Thermal Spring Bath.
Content Marketing + cases og ideer til content produktion og distribution. Martin Stahl
Historien om Content Marketing fra 1895 og frem til i dag. Nuværende cases fra Coca Cola, 3 Danmark samt 3 mindre letforståelige cases fra detailhandlen og BtB kursus booking. Afholdt på National museet d. 23 oktober 2013 for Ekstra Bladet og deres kunder og partnere.
FERMA's response to the Insurance Mediation Directive (IMD)FERMA
The Federation of European Risk Management Associations (FERMA) welcomes the oppotunity to contribute to the consultation launched by the Internal market and Servicdes Directorate General of the European Commission.
Table of Contents
1. FERMA President’s blog
2. Seminar risk manager numbers high – and rising
3. FERMA’s survey results support risk leaders
4. FERMA is Forty!
5. Seminar master class: radical reforms in the London market
6. More demanding environmental requirements ahead? Seminar roundtable to discuss
8. Letter from Brussels
9. Launch of New Guidance on 8th Company Law
10. Expert Views
11. Coinsurance: new review of Insurance Block Exemption
12.Knowledge Corner
Table of Contents:
-Expert Views: Cyber risks, the SPICE Initiative at Airbus
-“Battling a Common Enemy” – conference at the European Parliament on how to tackle cyber threats
-Risk Conversation at Board level: 2nd webinar with ecoDa and AIG
-A sense of urgency required (FULL VERSION)
FERMA welcomes European Commission actions to improve ELD implementationFERMA
The new multi-year work programme will serve as a guideline, not legally binding, to steer activities by all stakeholders towards better implementation of the Environmental Liability Directive (ELD) in the next three years.
The work has three pillars: improve the evidence base to gather more data measuring the efficiency of the ELD in the Member States, focus on implementation tools for a common understanding of key concepts of the Directive and explore the availability of financial security.
Fedele Cappiello - Young Risk Professional InterviewFERMA
The Young Risk Professionals Network is targeted at European Risk Professionals under 35 years of age, and provides a platform for discussion and networking. We aim to raise awareness of Risk Management, and show the benefits of collaboration across industries and countries. This group, for experienced Young Risk professionals and aspiring students alike, provides the opportunity to share insights and experiences of working in Risk Management, as well helping build a vision of the industry’s future.
On LinkedIn the top right hand corner, search Groups for ‘Young Risk Professionals’ or click here: http://www.linkedin.com/groups/Young-Risk-Professionals-4086521
The 4-star Danubius Hotel Astoria in the heart of Budapest, built on the site of the medieval town walls, is one of the most charming old-style hotels of Hungary's capital. As the slogan of the hotel goes, Astoria offers "Tradition and style..." with its last turn-of-the-century atmosphere.
Due to the hotel's excellent services and ideal location in the heart of the historical city centre, within walking distance from the administrative, business and cultural districts and the famous shopping areas of Váci Street, the hotel is very popular among foreigners and citizens as well. After an exhausting day spent with sightseeing or shopping it is good to sit back and relax, have a delicious dinner or a fine coffee in Mirror Café & Restaurant evoking the ambiance of "la belle époque".
Danubius Health Spa Resort Margitsziget in Budapest, HungaryDanubius Hotels
The four-star Danubius Health Spa Resort Margitsziget (formerly Danubius Thermal Hotel Margitsziget) was the first metropolitan spa hotel in the world offering a wide range of spa and wellness services. The hotel has recently been renovated in harmony with its woodland setting on Budapest's beautiful Margaret Island. The hotel now boasts one of Europe's top Health Spas, the therapies of which are based on the utilisation of three of the island's natural thermal springs.
Danubius Health Spa Resort Margitsziget is situated on Budapest's Margaret Island, adjacent to Danubius Grand Hotel Margitsziget, connected to it by a heated underground corridor.
The four-star Danubius Hotel Gellért is one of the most famous traditional hotels in Budapest and Hungary. Sophisticated guests, who admire unique historic atmosphere and dedicated service, will adore this preserved architectural jewel.
The hotel was constructed on the right bank of the River Danube, between 1916 and 1918 and has maintained the highest recognition ever since. Its opulent spaces and pools have been the most favoured centre of Budapest’s social life. Noble guests statesmen, politicians, actors, musicians enjoyed the luxury and attentive service here.
This grand Art Nouveau-style building shares its premises with the most beautiful medicinal bath of Hungary, the Gellert Thermal Spring Bath.
Content Marketing + cases og ideer til content produktion og distribution. Martin Stahl
Historien om Content Marketing fra 1895 og frem til i dag. Nuværende cases fra Coca Cola, 3 Danmark samt 3 mindre letforståelige cases fra detailhandlen og BtB kursus booking. Afholdt på National museet d. 23 oktober 2013 for Ekstra Bladet og deres kunder og partnere.
FERMA's response to the Insurance Mediation Directive (IMD)FERMA
The Federation of European Risk Management Associations (FERMA) welcomes the oppotunity to contribute to the consultation launched by the Internal market and Servicdes Directorate General of the European Commission.
Table of Contents
1. FERMA President’s blog
2. Seminar risk manager numbers high – and rising
3. FERMA’s survey results support risk leaders
4. FERMA is Forty!
5. Seminar master class: radical reforms in the London market
6. More demanding environmental requirements ahead? Seminar roundtable to discuss
8. Letter from Brussels
9. Launch of New Guidance on 8th Company Law
10. Expert Views
11. Coinsurance: new review of Insurance Block Exemption
12.Knowledge Corner
Table of Contents:
-Expert Views: Cyber risks, the SPICE Initiative at Airbus
-“Battling a Common Enemy” – conference at the European Parliament on how to tackle cyber threats
-Risk Conversation at Board level: 2nd webinar with ecoDa and AIG
-A sense of urgency required (FULL VERSION)
FERMA welcomes European Commission actions to improve ELD implementationFERMA
The new multi-year work programme will serve as a guideline, not legally binding, to steer activities by all stakeholders towards better implementation of the Environmental Liability Directive (ELD) in the next three years.
The work has three pillars: improve the evidence base to gather more data measuring the efficiency of the ELD in the Member States, focus on implementation tools for a common understanding of key concepts of the Directive and explore the availability of financial security.
FERMA contribution to the French Presidency agendaFERMA
FERMA thought paper highlights the links between its work and the priorities of the French Presidency in three key areas :
Economic recovery (systemic risks and risk transfer, including captives)
Digital issues (cyber risks and cyber insurance)
Ecological transition (sustainability and insurability)
For each of these categories, FERMA presents the challenges faced by European businesses, explains how risk management contributes to the ambitions of the French Presidency and asks European policymakers for specific measures during this period.
The role of risk management in corporate resilienceFERMA
The report presents the views of risk and insurance professionals and senior executives about a post-pandemic view of resilience management in their organisations across sectors globally in the summer of 2021.
Webinar: the role of risk management in corporate resilience FERMA
FERMA and McKinsey will present the findings of our survey into resilience and risk management. The objective is to give risk and insurance professionals a richer understanding of resilience in a strategic and practical way. Two leading risk managers will discuss the results of our survey and will reflect more broadly on the link between risk and resilience. By the end of the webinar, you will be well versed in resilience from an enterprise risk management perspective.
People, Planet & Performance: sustainability guide for risk and insurance man...FERMA
On 31 March, FERMA releases the first guide specifically for European risk managers on sustainability risks.
People, planet, performance – The contribution of Enterprise Risk Management to Sustainability provides practical guidance on incorporating sustainability goals into enterprise-wide risk management.
Collaboration of the Year Award winner 2020: Pim Moerman and Rob van den Eijn...FERMA
Philips Global Resilience Platform: Breaking down silo approach of departments by collaborating in multidomain platform making our company more resilient
Argo Group: entry for emerging risk initiative of the year Award 2020FERMA
Adam Seager, Chief Risk Officer of Argo Group demonstrates the context, challenges and solutions he put in place for Agor Group during the time of crisis like the Covid19 pandemic.
George Ong, Chief Risk Officer, Northern Ireland WaterFERMA
Nominations for the Public Sector Risk Manager of the Year for the European Risk Management Awards 2020.
George Ong is the Chief Risk Officer for Northern Ireland Water (NIW), a Government Owned Company (GoCo). George joined the business in 2006 with a clear remit of implementing a risk and insurance management system given that the ‘Government Protection’ was to be removed from 1st April 2007. Since then George has worked to adapt, enhance and embed risk management arrangements within NIW, developed partnerships with businesses, communities and institutions to improve resilience for the Company and the community. #euroriskawards
Webinar: Risk management in a global pandemic - Early lessons learned, EU – U...FERMA
FERMA's joint webinar with RIMS on 1 December provided insights into the way risk managers have experienced and dealt with the global pandemic and its consequences.
FERMA and RIMS teamed up to bring you content from both sides of the Atlantic Ocean. The webinar began with a presentation of the results from FERMA’s COVID-19 survey, and then took a Transatlantic view on commonalities and differences.
Speakers:
Athina Pehrman, Group Risk Manager at Electrolux Professional Group, a sustainability leader in the appliance industry
Melanie Steiner, Board Member, US Ecology, Inc. a leading provider of environmental services to commercial and government entities. Former CRO
Typhaine Beaupérin, CEO of FERMA, moderator.
European Risk managers have helped maintain the continuity of their organisations during the pandemic crisis. They have participated in task forces and crisis units, promoted communication, supported new working practices, pursued insurance recoveries where possible and begun work on recovery, according to a survey published by the Federation of European Risk Management Associations (FERMA): https://www.ferma.eu/publication/covid-19-ferma-survey-shows-risk-managers-contributions-to-response-and-resilience/
GDPR & corporate Governance, Evaluation after 2 years implementationFERMA
FERMA’s live joint webinar with ECIIA on Monday 28 September gathered more than 300 participants
The objective of this joint webinar was to take stock of where we stand after 2 years of GDPR implementation and the practical consequences on businesses. For this, FERMA and ECIIA (European Confederation of Institutes of Internal Auditing) invited the following speakers:
- Olivier Micol, Head of Data Protection Unit at the European Commission, Directorate-General for Justice. He highlighted key elements of the recent GDPR evaluation report of the European Commission, shared the latest data and feedback from companies and civil society. He also gave an overview of future planned initiatives.
- Jérôme Avot, Group Risk Officer and Data Protection Officer at Faurecia, a global leader in automotive technology.”The GDPR served as a common thread from the start to the end of the project. We feel we have turned what might have been perceived as a constraint into an opportunity. “
- Ralf Herold, Senior Vice President, Corporate Audit BASF, a leading chemical company. He is an expert in GDPR as Germany was a pioneer in this piece of legislation.
Jérôme Avot and Ralf Herold shared their experience as a Risk Manager and DPO and as an Internal Auditor by exchanging on the changes that the GDPR involved within their companies.
https://www.ferma.eu/webinar-replay-gdpr-corporate-governance-evaluation-after-2-years-implementation/
The European risk manager report 2020: webinar presentationFERMA
This 2020 edition is the opportunity to deepen four challenges that the Risk Manager is facing today:
his growing role in digital transformation
his contribution to sustainability
tougher insurance market conditions
education and skills evolution
The objective of this report is to launch the discussion on the new challenges posed by the European transition to climate neutrality and digital leadership for Risk Managers. How are the roles and responsibilities of European Risk Managers evolving in the face of this new reality? Are Risk Managers equipped to support their organizations in achieving this double transformation?
Our live webinar was scheduled on Monday 29 June 2020: risk managers from different backgrounds shared their experiences on the below themes and reacted to the results of the survey, in particular before and after the Covid-19 crisis.
The speakers were:
Adriana Cavaliere : Corporate Risk Manager at Skeyes, Belgium
Oliver Wild: Group Chief Risk, Insurance and Internal Control Coordination Officer at Veolia, France
Charlotte Hedemark: Chairman of the 2020 FERMA Survey Committee and Board Member of FERMA
Françoise Bergé: PwC Partner
FERMA European Risk Manager Report 2020: full set of results FERMA
This 2020 edition is the opportunity to deepen four challenges that the Risk Manager is facing today:
his growing role in digital transformation
his contribution to sustainability
tougher insurance market conditions
education and skills evolution
The objective of this report is to launch the discussion on the new challenges posed by the European transition to climate neutrality and digital leadership for Risk Managers. How are the roles and responsibilities of European Risk Managers evolving in the face of this new reality? Are Risk Managers equipped to support their organizations in achieving this double transformation?
Webinar: Why risk managers should look at Artificial Intelligence now?FERMA
Risk Managers can be key actors in highlighting to the organisation leadership the opportunities and challenges of AI technologies
On 19 May, the objective of this webinar was to discuss:
How AI can be implemented into the risk management practices?
Which opportunities is AI creating for better risk management?
What are the highlights of the European Commission’s risk-based approach to Artificial Intelligence?
Speakers were:
Philippe Cotelle, Head of Insurance Risk Management at Airbus Defence and Space and FERMA Board member, will highlight the key findings from FERMA’s report on “AI applied to Risk Management”.
Irina Orssich and Eric Badiqué are both working for the European Commission as Team leader and Adviser for Artificial Intelligence in the Unit for Technologies and Systems for Digitising Industry. They will present the Commission’s White Paper on AI and the other EU initiatives which aim at strengthening the EU legal framework regarding AI applications, especially in the field of privacy.
GDPR & corporate governance: the role of risk management and internal audit o...FERMA
The webinar discussed the full results and recommendations of a joint project between FERMA and the European Confederation of Institutes of Internal Auditing (ECIIA), to assess how the EU General Data Protection Regulation (GDPR) impacted our professions, one year after its enforcement. This webinar helped to know:
- To which extent the risk manager and the internal auditor are involved in the GDPR corporate implementation
- How GDPR has affected the interactions between risk management, internal audit and Data Protection Officer (DPO)
- What are the best practices and recommendations to embed personal data protection in the risk and audit governance of your organisation
After one year of GDPR implementation, FERMA and ECIIA sent in May a common basis of five questions to their risk and internal audit members.
The objectives were to:
- Evaluate the roles of the risk management and internal audit functions regarding the GDPR and personal data related risks
- Provide a unique insight into the implementation of the GDPR by companies to the European policymakers
GDPR & corporate governance: The Role of Internal Audit and Risk Management O...FERMA
This paper is a collaboration between FERMA and the European Confederation of Internal Audit Institutes ECIIA and focuses on the impacts of the GDPR on corporate governance practices in the year following its implementation. Most specifically, it looks at the roles played by internal audit departments and risk management functions.
Ferma report: Artificial Intelligence applied to Risk Management FERMA
FERMA brought together a group of experts from within and beyond the risk management community to develop the first thought paper about AI applied to risk management.
Their aim was to perform an initial assessment of the potential value of AI to improve enterprise risk management (ERM), and second, to understand how risk managers can be key actors in highlighting to the organisation leadership the opportunities and challenges of AI technologies.
The working group expects that corporate risk management will benefit from AI in several areas. “From its ability to process large amounts of data to the automation of certain risk management repetitive and burdensome steps, AI could allow risk managers to respond faster to new and emerging exposures. By acting in real time and with some predictive capabilities, risk management could reach a new level in supporting better decision making for senior management.”
This paper aims to guide risk managers on applying AI from a basic understanding to developing their own strategy on the implementation of AI. It includes an action guide and a template for risk managers to develop their own AI risk management roadmap.
Webinar: how risk management can contribute to sustainable growth?FERMA
This webinar will help risk management and sustainability practitioners apply enterprise risk management (ERM) concepts and processes to environmental, social and governance-related risks (ESG)
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
FERMA response to the consultation document Towards a Coherent European Approach to Collective Redress
1. FEDERATION OF EUROPEAN RISK MANAGEMENT ASSOCIATIONS
FEDERATION EUROPEENNE DE RISK MANAGEMENT
European Commission
Consultation on collective redress
Avenue de Bourget 1-3
B-1140 Brussels (Evere)
Belgium
Brussels, 28th April 2011
By e-mail only
Dear Sirs,
Re: FERMA response to the consultation document Towards a Coherent European
Approach to Collective Redress
The Federation of European Risk Management Associations (“FERMA”) welcomes the
opportunity to comment on the European Commission’s staff working document,
“Towards a coherent European Approach to Collective Redress”. FERMA has taken part
in the European debate on consumer collective redress (“CCR”) and commented on the
last consultation paper. We reiterate our points of concern from 2009 with this note.
FERMA brings together the national risk management associations from 17 European
countries, including 14 EU Member States. FERMA’s 4,000 individual members
represent major industrial and commercial companies as well as public authorities in their
respective countries. These members manage complex risks and insurance matters on a
daily basis in their companies. Members’ dual perspectives influence FERMA’s views
on EU CCR: as large corporate insurance buyers and as potential defendants.
Much of the focus during the consultation period has been on how best to set up a legal
framework for CCR in the EU, rather than revisiting all four of the options outlined in the
Green Paper. FERMA members would urge the Commission to keep open all options
and to reflect in particular, key European principles such as proportionality and
subsidiarity, so that the least restrictive action is pursued.
FERMA members’ primary concern is to reduce risks for their companies. This involves
dialogue with consumers and consumer groups on ways to continually improve products
and services. This is why FERMA believes that it is in both consumers and industry’s
interest that practical and workable solutions are found in cases where solutions are
currently lacking. EU and national attention should focus on ways to improve out-of-
• AVENUE LOUIS GRIBAUMONT, 1 • B - 1150 BRUSSELS • BELGIUM
• Tel:+ 32-2- 761 94 32• Fax:+ 32-2- 771 87 20• Email: info@FERMA.eu • Website: www.FERMA.eu
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2. FEDERATION OF EUROPEAN RISK MANAGEMENT ASSOCIATIONS
FEDERATION EUROPEENNE DE RISK MANAGEMENT
court settlement as this is the best means to provide access to quick and relatively low-
cost means of resolving disputes.
The EU should continue to encourage Member States to work with industry to improve
the range of Alternative Dispute Resolution schemes (“ADR”) on offer. There is a clear
need to increase consumer awareness of what is already available, so that ADR
mechanisms become the preferred option to resolve disputes. This need not be achieved
under threat of CCR, but a more conciliatory and constructive approach whereby both
consumer groups and industry come together with the Member States to design effective
solutions. Once suitable ADR schemes are available across the EU, FERMA could
envisage the Commission adopting guiding principles for EU Member States which
would encourage industry and consumers to use ADR as a necessary first step in
resolving disputes before court action. This would require a more robust system to be in
place so that mediated settlements in one Member State are recognised across the EU.
A number of EU measures are already in place to assist consumers to enforce their rights,
including measures on cross-border enforcement and cooperation between Member
States. It is not clear to FERMA that the value of these measures has been fully
appraised, nor the cumulative impact of compliance. This is a necessary first step, not
least as some of these initiatives have been introduced relatively recently. FERMA
believes the existing framework of legislation and soft-law initiatives should be fully
utilised, a view that is shared by the insurance industry.
FERMA shares the concerns expressed by the insurance industry that to proceed with
proposals to introduce an EU CCR legal system would have a major adverse effect on the
professional liability insurance market. Risk management in industrial and commercial
companies across the EU would thus be rendered more complex and costly. Claims
would become more frequent and the risk would ultimately fall on insurers. In time,
insurers would be forced to increase premiums for coverage. Risk managers would either
have to increase spending on insurance or seek alternative solutions. It is likely any
additional costs would have to be passed onto the consumer.
FERMA would reiterate that there remains scope to fully utilise and expand on the
redress mechanisms already available to consumers. FERMA respectfully requests that
the Commission conduct a thorough economic assessment, including careful
consideration of the possible impact on the professional and product liability insurance
market, before taking any further steps towards EU CCR.
There are many questions set out in the Commission staff working document. FERMA
has not sought to respond to each question, but rather has set out what we believe are the
critical points from a risk manager’s perspective.
• AVENUE LOUIS GRIBAUMONT, 1 • B - 1150 BRUSSELS • BELGIUM
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3. FEDERATION OF EUROPEAN RISK MANAGEMENT ASSOCIATIONS
FEDERATION EUROPEENNE DE RISK MANAGEMENT
1. What added value would the introduction of new mechanisms of collective redress
(injunctive and/or compensatory) have for the enforcement of EU law?
FERMA does not believe there is sufficient evidence to support the need for an EU CCR
system to protect consumers in the single market. Consumer laws are not yet fully
harmonised, and their enforcement depends on national procedural rules. As mentioned
above, recently introduced EU initiatives have not yet been fully reviewed and so the
introduction of a new system appears to us, at best, premature. FERMA does not share
the view that an EU CCR system is a necessary deterrent, whatever the cost, particularly
as other solutions are available. FERMA does not believe that an adversarial approach is
necessarily wanted or needed.
5. Would it be sufficient to extend the scope of the existing EU rules on collective
injunctive relief to other areas; or would it be appropriate to introduce mechanisms of
collective compensatory address at EU level?
FERMA believes that US-style CCR would not be an appropriate approach for the EU.
This view is shared by many other stakeholders. Much time was spent at the recent
Commission public hearing discussing safeguards to avoid the risk of abusive litigation:
such as an opt-in rule, the loser pays principle, and bans on contingency fees and punitive
damages1. FERMA is not convinced that even if such safeguards were built into any EU
system, that they would have the desired effect. The system would have to be so intricate
to avoid potential abuse that the resulting provisions may prove difficult, if not
impossible, to apply in practice.
12. How can effective redress be obtained, while avoiding lengthy and costly litigation?
FERMA would prefer to see limited EU resources being placed on encouraging all
Member States and industry to work together to put in place effective and efficient ADR
mechanisms, and welcomes the Commission’s on-going work in this regard.
FERMA supports the Commission’s efforts to continually improve the single market and
restore consumer confidence in this difficult economic cycle. FERMA believes that the
best option to achieve these goals is dialogue and cooperation between the stakeholders.
The Commission should, for instance, encourage Member States to exchange good ADR
practice. It would also be appropriate for the Commission to facilitate cooperation
between Member States, with a view to Member States coming to an understanding of
certain “good common features” of national CCR, which could, in turn, be incorporated
into on-going national initiatives to reform legal systems in the Member States.
1
FERMA strongly urges the Commission to refrain from introducing punitive damages to the EU
legal system, either directly or indirectly through any EU CCR regime.
• AVENUE LOUIS GRIBAUMONT, 1 • B - 1150 BRUSSELS • BELGIUM
• Tel:+ 32-2- 761 94 32• Fax:+ 32-2- 771 87 20• Email: info@FERMA.eu • Website: www.FERMA.eu
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4. FEDERATION OF EUROPEAN RISK MANAGEMENT ASSOCIATIONS
FEDERATION EUROPEENNE DE RISK MANAGEMENT
34. Should any possible EU initiative on collective redress be of general scope, or would
it be more appropriate to consider initiatives in specific policy fields?
Given the number of outstanding and interrelated issues that need to be resolved before
anti-trust and consumer collective redress is a viable option at EU level, it would not be
appropriate for the Commission to move ahead on one initiative in a specific policy field
and risk settling on solutions which are wholly inappropriate for another policy field.
Furthermore, the potential unintended effects of introducing an EU CCR regime to
business, in terms of reputational risk and the cost of finance and insurance, are as yet not
fully known. The dialogue on CCR must continue on a precautionary basis, with a clear
focus on delivering benefits to consumers with minimum disruption of the business
environment.
FERMA would be concerned if any new EU developments would expose companies to
the risk of ‘double jeopardy’: a fine imposed for a breach of anti-trust law and a claim for
compensation for the same breach.
Yours faithfully,
Peter den Dekker
President
• AVENUE LOUIS GRIBAUMONT, 1 • B - 1150 BRUSSELS • BELGIUM
• Tel:+ 32-2- 761 94 32• Fax:+ 32-2- 771 87 20• Email: info@FERMA.eu • Website: www.FERMA.eu
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