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Legal Zeidgeist is an investment funds law podcast series brought to you by Zeidler Group, the technology driven law firm revolutionising legal and regulatory compliance services for the asset management industry. Our team of lawyers, regulatory compliance, data and technology experts along with our industry partners will discuss the latest perspectives, best practices and leading insights to help investment firms and asset managers re-evaluate and revolutionise their current approach to inv ...
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An interview podcast dedicated to the ever-evolving world of RegTech and financial regulations with Know Your Customer's CEO and co-founder Claus Christensen.
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Financial innovation, technology advances and social changes are sending shockwaves through the financial services industry. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. Rebank explores the trends, develop ...
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Welcome to the connector podcast, an ongoing conversation connecting FinTechs, banks and regulators worldwide. Join CEO and founder Koen Vanderhoydonk as you learn more about the latest available trends and solutions in the markets.
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Welcome to FinTalk, the leading podcast in RegTech and FinTech. Join host Jawad Akhtar, a seasoned regulatory consultant with a passion for creating efficient solutions in the evolving world of finance. Get ready for insightful conversations with industry experts and collective wisdom from panel episodes, all packed with cutting-edge insights from VERMEG. Stay ahead of the game with discussions on hot topics, regulatory issues, and the future of finance. With over 20 years of trusted transfo ...
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”Let’s Talk About Tech Live Sessions” is a podcast presented by Venionaire Capital, a distinguished private equity and venture capital company. This engaging podcast brings together thought leaders, industry experts, and innovators to explore prominent topics at the intersection of technology and business. Delving into the ever-evolving landscape of the tech sector, the show covers a wide range of subjects, including Web3, Crypto, RegTech, HealthTech, FinTech, 3D-Mobility, Entrepreneurship, ...
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Join Mitratech’s very own experts Karl Viertel, Stefan Sulistyo and Henry Umney on our podcast: The RegTech Report. Your update to all things RegTech. Listen to our hosts as they discuss the latest RegTech news, speak with industry pioneers and muse about the latest tech.
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Welcome to Uncover, a podcast by ComplyAdvantage. In this series we talk to FinTech and RegTech founders, compliance leaders, product innovators and industry experts from around the world to uncover the latest trends and best practices.
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Welcome to the DynaFin podcast. We bring you the latest Finance and Technology news straight from the market. Let's shape the future of financial services.
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Podcast by Patrick Purcell
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Risky Women® is a global network connecting, celebrating and championing women in risk, regulation and compliance. Want to share a hot topic or suggest a speaker? Email your host anytime at info@riskywomen.org or JOIN US at https://www.riskywomen.org/
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Should banks offer treasury services for free? Why is the Bank Secrecy Act such a problem for community banks? Join CSI as we discuss the latest fintech trends and topics with banking executives, industry experts and thought leaders.
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Tech on Reg is the podcast that explores all things at the intersection of law, technology and high regulated industry. Host Dara Tarkowski talks FinTech, RegTech, SexTech and more with thought leaders and entrepreneurs from around the world to share insights, trade viewpoints and get us all thinking about responsible innovation.
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Tune in to conversations for the curious about fintech and cybersecurity. The team at DVELP - a London-based software development company specialising in secure platforms for sensitive data - invite you to join them as they chat to tech thought leaders to discover more about the newest trends in this rapidly evolving industry. We will be covering cybersecurity issues as well as all sorts of fintech, from regtech to insurtech. Plug in and charge!
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If change is the only constant, we need to understand how our industries are evolving, and how we can be a part of the transformation that is taking place. In this series, we deep-dive into some of the hottest and most pivotal topics in the financial services industry right now, including personalisation in financial services, embedded financial services and the mobile payment revolution. To gain an informed and accurate perspective, we speak to innovative individuals from banking institutio ...
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A deep dive into topical Information and Communication Technology (ICT) issues from a Caribbean perspective, through interviews and group discussions with specialists, experts and people trying to make a difference in the tech space. New episodes are released every Wednesday. Show notes are available at www.ict-pulse.com
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EY's EMEIA focused #FinTech podcast series: EY FinTech Beyond Borders.
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On digital technology transforming financial services.
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An important & very necessary spotlight on the business impact of digital regulation from JWG. As an independent global think-tank our aim is to stimulate holistic debate about the approach to financial services supervision.
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Podcasts from the Central Banking team
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Fintech@Kellogg explores the people, businesses, and ideas transforming the financial services landscape as we know it.
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Global Merces Funds Management is a specialised tech-focused "RE for hire" and Trustee that offers Fund Management Services and investments in Alternative Investments. "Our purpose is to impact society, industry and culture through the intentional movement of capital."
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Welcome to the Rise FinTech Podcast, brought to you by Barclays. Tune in to discover the latest trends and topics on FinTech from industry experts, founders, entrepreneurs and investors, who each bring their unique take on the industry and its future. All opinions provided by the interviewees are their own. To discover more about Rise, Barclays' #HomeofFinTech, visit https://rise.barclays.
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Catch up on the latest information security news with our fortnightly podcast. Also, keep an eye out for webinars and author interviews, where we speak with industry experts about information security, cyber security, data privacy and much, much more.
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ICTP 311: Regtech, its broadening scope and potential for application in the Caribbean region, with Jennifer Potter
46:37
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Regulatory technology (or regtech) is expected to be worth over USD 87 billion by 2028, but it is an underdeveloped fintech segment in the Caribbean region. However, as regulatory oversight increases in areas such as cybersecurity and data protection, increasingly, regtech will not be limited to the banking and fintech sectors. Circling back to a 2…
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Investing to Build the Machine Economy with Generative Ventures
31:32
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Lex Sokolin is the co-founder and Managing Partner of Generative Ventures, a crypto and AI focused venture firm. Lex also publishes research and analysis at Fintech Blueprint, one of the best fintech, crypto and emerging tech newsletters out there. In this conversation, Lex and I discuss his thesis at Generative Ventures, which invests in the finan…
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ICTP 310: The internet we should want in 2024 and beyond, with Matthew Cowen of dgtlfutures
1:05:24
1:05:24
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In our third instalment of the series, The internet we should want in 2024 and beyond, Matthew Cowen of dgtlfutures, shares his thoughts on the subject. Though the topic is broad, our conversation touches on, among other things: * social media; * the state of advertising on the Internet; * major trends or technological advancements that are shaping…
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In this episode of the Legal Zeidgeist podcast, the Overseas Fund Regime (OFR) takes centre stage. In this 2 part special, Kate Horgan is joined by Robert Boyle, Solicitor and Partner at Zeidler Legal Services LLP to dissect the key aspects of the OFR and its implications for fund marketing in the UK. In part 1 as the industry prepares, discover th…
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Global Fund Distribution & Regulation Compliance: Best Practices
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In this episode of the Legal Zeidgeist podcast, we explore the latest insights and best practices for fund distribution and compliance. Kate Horgan, Business Development Manager, sits down with Patricia Nitschke, Associate in Zeidler’s Legal Services Division, to discuss the most recent regulatory updates affecting fund distribution worldwide. Patr…
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In this episode of the Legal Zeidgeist podcast, the Overseas Fund Regime (OFR) takes centre stage again. In this 2-part special, Kate Horgan is joined by Robert Boyle, Solicitor and Partner at Zeidler Legal Services LLP, to dissect the key aspects of the OFR and its implications for fund marketing in the UK. In Part 2, join us as we examine whether…
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ICTP 309: 2024 Expert Insight update on cyber threats and security in the Caribbean, with Edward Millington of CariSec Global
54:26
54:26
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In the third instalment in our Expert Insights series on cyber threats and security for 2024, and with Edward Millington of CariSec Global, he discusses, among other things: * the latest developments in the security space; * the relationship between the data protection and cybercrime frameworks; * some of the reasons why the Barbados House of Assem…
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The Connector Podcast - Transforming Regulatory Reporting: How Qvonto Simplifies Compliance for Fund Reporting
14:33
14:33
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Have you ever wondered how complex regulatory requirements can be transformed into user-friendly, visually appealing reports? Gain exclusive insights from Sinan Gabel, CEO and founder of Qvonto, and his partner Christian Lysholm, CCO, as they walk us through Qvonto's groundbreaking approach to simplifying regulatory reporting for clients in Luxembo…
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Dusica H. Lukac: THE Partner for Startup Exit Strategies | LTAT Live Sessions
29:20
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In this installment of Let's Talk About Tech, we sit down with Dusica H. Lukac, Managing Partner of DL Capital Partners. With a profound affinity for deep tech, Dusica shares her remarkable journey from the world of investment banking to becoming an angel investor to becoming Managing Partner of DL Capital Partners that focuses on exit strategies. …
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ICTP 308: Unpacking the PwC Caribbean Digital Readiness Survey 2024, with Nadeen Matthews Blair
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The readiness of businesses to operate with a ‘digital-first’ posture has become critical as we all strive to compete and remain relevant in an increasingly global marketplace. With Nadeen Matthews Blair, of Crescent Advisory Group, we discuss the results of the latest Caribbean Digital Readiness Survey conducted by PwC, including: * what it means …
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How Crossborder Stablecoin Payments Have Quietly Become a Multi-Billion Dollar Market
35:01
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Bhanu Kohli is the co-founder and CEO of Layer2 Financial, a B2B payments company leveraging stablecoins for faster, cheaper payment processing. Mike Giampapa is General Partner of Galaxy Ventures, focusing on the intersection of crypto and financial services, security & DeFi applications, and developer tooling. In this conversation, Bhanu, Mike an…
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Ben Ruschin: How to navigate STARTUP SALES | LTAT Live Sessions
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23:04
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In this episode, we are joined by Benjamin Ruschin, Managing Partner at Big Cheese Ventures. Discover how Benjamin carved his way to success in the tech industry and what led him to become a Managing Partner at Big Cheese Ventures. He takes us through the founding and growth of WeAreDevelopers, the one common problem that startups face and people's…
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ICTP 307: Navigating the twists and turns of entrepreneurship, with Danelia Doyle of FarmCredibly
53:53
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In the Caribbean region, small-scale farming is the backbone of our agriculture sector, but often, it is difficult for farmers to access funding that would be open to ventures in other sectors. FarmCredibly has been working on addressing such challenges by providing simplified financial services to underbanked farmers in Jamaica. In a follow-up con…
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The challenges and Solutions in SME Lending
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By VERMEG
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#35 - RegTalks with Ben Parker, eflow Global
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In this episode of RegTalks, host Claus Christensen sits down with Ben Parker, CEO and Founder of eflow Global, to discuss his background and vision for the company, the key opportunities and challenges in the rapidly evolving RegTech space, the transformative impact of cloud technology and AI on compliance, and the far-reaching implications of the…
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Austria: The HIDDEN CHAMPION of Startup Hubs - Kambis Kohansal Vajargah | LTAT Live Sessions
27:06
27:06
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In this episode, our host Berthold Baurek-Karlic sits down with the dynamic Kambis Kohansal Vajargah, Head of Startup Services and Deputy Head of Founder Services at the Austrian Federal Economic Chamber. Join us as we delve into Kambis' inspiring journey from startup founder to influential political ecosystem shaper. Furthermore, we explore the em…
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ICTP 306: Readying the workforce for AI, matching local tech expertise with the local job market, and STEM exams in the Caribbean
1:05:57
1:05:57
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In our June 2024 Community Chat, and with members of the Caribbean tech community, Aldin Crosdale, an IT Internal Auditor in Jamaica and the Community Manager for the Jamaican Developers Community/Caribbean Tech Connect, and Halle Johnson (Mr.), a Systems Administrator at the University of The West Indies Five Islands Campus in Antigua and Barbuda,…
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Building the Bridge to the Onchain Economy with Zero Hash
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Edward Woodford is the Co-Founder and CEO of Zero Hash, a B2B technology and compliance platform that allows companies to embed crypto and stablecoins with a few lines of code and no regulatory overhead. Zero Hash has raised $170 million from investors including Bain Capital, Nyca Partners and Point72, and supports companies like Stripe, MoonPay, I…
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MATCHING GLOBAL Investors with AUSTRIAN STARTUPS - Dusan Todorovic | LTAT Live Sessions
37:52
37:52
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Welcome to another episode of Venionaire Capital's podcast, Let's Talk About Tech! In this episode, we are joined by Dusan Todorovic, the Lead Program Manager of the aws i2 Business Angels Program. During the conversation, Dusan and our host, CEO of Venionaire Capital Berthold Baurek-Karlic, dive deep into the current venture capital market situati…
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ICTP 305: Caribbean C-suite leaders and how they are shaping our digital experience, with Lisa-Maria Alexander
52:38
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Whether we realise it or not, the decisions C-suite executives are making are shaping our digital experiences: the way we live, work, and interact online and with technology. With Lisa-Maria Alexander, a Certified Chartered Director, and the Chief Executive Officer and Chief Strategist of The Leadership Xperience, and focusing on Caribbean organisa…
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How Basel 3.1 is Transforming Regulatory Reporting in Banking
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Welcome to FinTalk by Vermeg, the leading podcast in the financial services industry that addresses the most pressing topics in the regulatory reporting and regtech sectors. In this episode, our host Jawad Akhtar is joined by renowned industry experts Andrew and Steve. Together, they delve into the intricacies of Basel 3.1 regulations and their sig…
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Memecoins, Airdrops and Current Retail Crypto Dynamics with Regan Bozman
34:54
34:54
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Regan Bozman is co-founder of Lattice Capital, a crypto-focused VC firm, and an expert in token launches and secondary trading dynamics. Lattice manages $80m across two funds, with a focus on early-stage crypto projects. Prior to founding Lattice, Regan and his partner Mike Zajko worked at CoinList, a leading platform for new token launches operati…
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EMPOWERING WOMEN in FINANCE - Beatrice Schobesberger | LTAT Live Sessions
26:10
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In this installment, host Berthold Baurek-Karlic sits down with the dynamic Beatrice Schobesberger, former Head of Private Banking at Erste Bank, current financial education coach for women, and influential supervisory and foundation board member. Beatrice brings her extensive experience in private banking to the table, sharing insights from her re…
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ICTP 304: Innovation in 2024 and how to foster the mindset of curiosity, with Lorenzo Hodges of Plain White Table
1:17:12
1:17:12
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Thanks to technology, especially generative artificial intelligence (AI), getting into the hands of consumers, the business landscape and our societies have been evolving faster than ever. Lorenzo Hodges of Plain White Table is back again to continue the conversation we started in 2019 on innovation in organisations. Now five years later, Lorenzo s…
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Did We Just Witness Crypto's Inflection Point in the U.S.? with Rob Hadick of Dragonfly
40:41
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Rob Hadick is a General Partner at Dragonfly, a $2.5bn crypto venture fund. Dragonfly’s portfolio is a who’s who of leading crypto projects including Anchorage, Ava Labs, Blur, DYDX, Lido, MakerDAO, Matter Labs, NEAR, Polygon, Starkware and many, many more. In this conversation, Rob and Will Beeson discuss the recent change in tone in Washington re…
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THE PITCH PROFESSOR for Startups - Daniel Cronin | LTAT Live Sessions
24:14
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Join our host, Berthold Baurek-Karlic, CEO of Venionaire Capital, as he sits down with Daniel Cronin, Co-Founder and Board Member of Austrian Startups, to uncover the remarkable story of his transformation from a young marketer with immense stage anxiety to becoming the renowned Pitch Professor for startup pitches. Daniel Cronin: - Website: https:/…
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ICTP 303: Delivering Caribbean-made products to the World, with Kadion Preston of Caribshopper
58:42
58:42
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Being part of the global marketplace has many benefits. Though we, in the Caribbean region, are innovative and culturally rich, doing business successfully with international customers is still challenging – especially for micro, small and medium enterprises. Kadion Preston, the Co-Founder and Chief Executive Officer of Caribshopper, an e-commerce …
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Shaping Finance: The Role of RegTech, AI, and Data Quality
19:20
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Welcome to FinTalk by Vermeg, the leading podcast in financial services that addresses the most pressing topics in the financial services industry. In this episode, our host Jawad Akhtar is joined by renowned RegTech expert James Phillips. Together, they delve into how technological innovations and regulatory changes are reshaping the financial ser…
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ICTP 302: Data and digital illiteracy, the digital challenge of national data collection, finance, young people and the digital economy
1:15:09
1:15:09
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In our May 2024 Community Chat, and with members of the Caribbean tech community, Allison James, a Certified Information Systems Auditor and Certified Information Privacy Professional based at KPMG in Barbados, and Rojane Rose, a Product Owner at MC Systems in Jamaica, the panel discusses: * data and digital illiteracy in a world of data privacy an…
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Three Cycles of Payments Innovation with Anil Hansjee
35:18
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Anil Hansjee is a General Partner at Fabric, a UK-based blockchain VC. Prior to joining Fabric, Anil ran Corporate Development EMEA at Google and then led PayPal Ventures in the region. He has tremendous experience investing in fintech and payments at the venture, strategic and angel level. In this conversation, we dive deep into payments, covering…
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The NEW STARTUP HUB in Austria - Johannes Pracher | LTAT Live Sessions
19:36
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In this insightful interview, Berthold Baurek-Karlic, CEO of Venionaire Capital, sits down with Johannes Pracher, leader of Startrampe, the innovation initiative by Allgemeine Sparkasse Upper Austria. Together, they delve into Johannes's background and Upper Austria's emergence as a prominent startup hub. The conversation covers the unique opportun…
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ICTP 301: Addressing digital public infrastructure to achieve true digital transformation, with David Soutar and Matthew McNaughton of the Slashroots Foundation
1:04:36
1:04:36
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Digital public infrastructure (DPI) is a critical enabler of the digital transformation of countries by helping them to improve the delivery of public service at scale. Our guests, David Soutar and Matthew McNaughton of the SlashRoots Foundation, discuss, among other things: * what is DPI and why it is important; * how DPI can be designed to be inc…
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In this episode, Dara discusses the history of the U.S. attempts at federal privacy legislation and the newest bipartisan bill being proposed. What are the obstacles and likely objections to the proposal? Will anything actually get done in an election year? Dara and James discuss these topics and more.…
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The Connector Podcast - Mastering Digital Identity in the EU: A Deep Dive into eIDAS 2.0 with itsme®
13:45
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Unlock the secrets of seamless digital identity in the EU with our latest conversation featuring Tom from itsme®. We venture into the realm of eIDAS 2.0, the regulation revolutionizing how we interact online. Prepare to be enlightened as Tom, with his expert knowledge, navigates the evolution of this critical legislation, from its origins to its la…
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The Connector Podcast - Pivoting to Success: How POM Transformed Invoice Payments and Mastered the Fintech Space
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13:39
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Ever wondered how a simple pivot can redefine a company's destiny? That's exactly what Johannes from POM reveals as we explore the transformation of the invoice payment landscape on the Connector Podcast. Johannes takes us through the inception of POM, originally designed to ease the pain points of consumers managing their bills, to its strategic s…
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THE SOLUTION for Document Fraud Detection - Harry Foster | LTAT Live Sessions
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In this episode, Harry Foster. Head of Growth at Homeppl and our CEO Berthold Baurek-Karlic dive into Homeppl's journey and their innovative approach to combating document fraud. Discover the software behind analyzing documents for fraud detection and Homeppl's powerful tool, Fraud Finder. Harry Foster: https://www.linkedin.com/in/digital-marketing…
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ICTP 300: The internet we should want in 2024 and beyond, with Trevor Forrest of 876 Technology Solutions
1:28:44
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We celebrate our 300th episode of the Podcast with a long-time friend of the show, Trevor Forrest, experienced IT expert and Founder of 876 Technology Solutions, in which we continue the discussion we started in January 2024 on the internet we should want in 2024 and beyond. In this conversation, Trevor shares his thoughts on: * how the internet ha…
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Early-Stage Crypto & Web3 Investing with Reflexive
28:57
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Sunny Parikh is co-founder and Partner at Reflexive Capital, a fundamentals-driven investment firm focused on digital assets across two core strategies: Liquid Trading and Venture Investing. Sunny was previously with Point72, and his partners at Reflexive worked at Soros Fund Management, Thiel Macro and Goldman Sachs. In this conversation, Sunny an…
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Exploring Financial Crime Risk Assessment and the Evolving Landscape
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19:58
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Welcome to FinTalk, the leading podcast in regulatory compliance and financial services that addresses the most pressing topics in the industry. In this episode, our host Jawad Akhtar is joined by Jessica Cath from Thistle Initiatives. Together, they talk about the world of financial crime prevention, regulatory compliance, and the evolving regulat…
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Episode #031 - Unpacking RegTech: present realities and future possibilities
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This episode of EY FinTech Beyond Borders explores the current state of RegTech and the future possibilities for the sector. The episode features Christopher Woolard CBE, UK FinTech Leader and Chair of the Gobal Regulatory Network, EY; Deborah Young, CEO, The RegTech Association; Mark Shead, Head of Regulatory Innovation, Vermeg; and Kimmo Soramaki…
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ICTP 299: Tech career insights, content creation for persons with disabilities; and using the internet to preserve our history
1:03:40
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In our April 2024 Community Chat, and with members of the Caribbean tech community, Jordanne Elliott, a Project Manager in Jamaica, and Friend of the Show, Liselle Yorke, a Communications Strategist, originally from Tobago but based in the United States, the panel discusses: • Tech career insights, and the future of work in the Caribbean; • Content…
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ICTP 298: Making 5G a reality in the Caribbean region, with Zlatko Zahirovic of Paradise Mobile
50:13
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For the past few years, most Caribbean countries have been sitting on the sidelines of conversations on 5G, as there were no immediate plans for it to be deployed. However, within the past year, Paradise Mobile has launched operations in Bermuda, with the Cayman Islands next in line, and more Caribbean countries to come. Zlatko Zahirovic, the Chief…
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Driving the future with ELECTROMOBILITY - Christian Clerici | LTAT Live Sessions
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We had the pleasure of hosting the remarkable Christian Clerici as our special guest for Let’s Talk About Tech! Christian took us on a captivating journey through his life, from his early days with a passion for cars to his illustrious career in television. His passion for electromobility shines through as he shares his insights and experiences in …
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The Connector Podcast - Unveiling AI Ethics with IBM's Insight and Navigating Digital Partnerships with Arrow
18:49
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Get ready to navigate the complex tapestry of AI ethics and partnerships with the Connector podcast! I’m Koen Vanderhoydonk, and in this episode, I’m joined by IBM's Michel Van Der Poorten and Arrow's Francis Mukwayanzo to unravel how the tech titan IBM harnesses AI to amplify human ingenuity. Michel grants us exclusive access to IBM's conscientiou…
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The Connector Podcast - Fintech's Resurgence and AI Revolution: Uncovering the Next Waves with Bence Siklós from PEAK
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Prepare to unlock the secrets of fintech's future as Ben Siklós from Budapest's PEAK joins me for a captivating exchange. This episode is a treasure trove of insights, with Ben, a trailblazer from Hungary's foremost fintech firm, guiding us through the industry's twists and turns. Together, we chart the resurgence of mega-round financings and disse…
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ICTP 297: Emergency communications, being prepared when disaster strikes and the Tampere Convention, with Sylvester Cadette of the ITU
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Natural disasters and other emergencies are not situations that can be completely avoided, but like insurance, it is good to have access to the requisite support in times of need. As we approach the 2024 North Atlantic hurricane season, we thought it opportune to reshare a conversation we had with Sylvester Cadette, of the International Telecommuni…
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Jannick Malling is the co-founder and Co-CEO of the investing platform Public.com. Public has raised more than $300M from investors including Accel, Greycroft, Lakestar, and Tiger Global, as well as celebrities like Will Smith, The Chainsmokers, JJ Watt and Maria Sharapova. In Public’s short life, Jannick and the company have experienced the COVID …
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Restructuring Expert: Start COMMUNICATING! - Michael Proksch | LTAT Live Sessions
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Michael Proksch, Attorney at Law at Proksch & Partner Rechtsanwälte OG, graced our latest episode of Let's Talk About Tech podcast as our esteemed guest. As his practice focuses on insolvency and reorganization law, Michael delves into the complexities of insolvency, shedding light on the intricacies of the restructuring process and unveiling key c…
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The DIGITAL TRANSFORMATION of Linde - Benjamin Jentzsch | LTAT Live Sessions
15:29
15:29
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Get ready for an enlightening episode of our "Let's Talk About Tech" Podcast featuring Benjamin Jentzsch, Owner and Managing Director of Linde Verlag! In this exclusive interview, Benjamin takes us on a journey through his remarkable career path, shedding light on the digital transformation at Linde Verlag, the subsidiary organization Linde Digital…
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ICTP 296: 2024 Expert Insights update on cyber threats and security in the Caribbean, with Obika Gellineau of KPMG Trinidad and Tobago
1:10:34
1:10:34
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In the second instalment in our Expert insights series on cyber threats and security for 2024, and with Obika Gellineau, the Cyber Services Manager of KPMG in Trinidad and Tobago, he discusses, among other things: * the Telecommunications Services of Trinidad and Tobago (TSTT) data leak; * AI-related security risks of which we should be aware; * th…
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