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Bringing you the latest personal finance and stock market insights
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Jo Ann Barefoot discusses disrupting innovation in the financial services sector and beyond.
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Experts from the Bank for International Settlements (BIS) explain their work and discuss current issues for the global economy. As a hub for central banks and other financial regulatory and supervisory authorities, the BIS seeks to build a greater collective understanding of the world economy, foster international cooperation and support policy making.
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Is capitalism the engine of destruction or the engine of prosperity? On this podcast we talk about the ways capitalism is—or more often isn’t—working in our world today. Hosted by Vanity Fair contributing editor, Bethany McLean and world renowned economics professor Luigi Zingales, we explain how capitalism can go wrong, and what we can do to fix it. Cover photo attributions: https://www.chicagobooth.edu/research/stigler/about/capitalisnt. If you would like to send us feedback, suggestions f ...
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NASAA’s Real Life Regulators podcast spotlights investment fraud cases from the files of state and provincial securities regulators and features interviews with the investigators and attorneys who bring these fraudsters to justice. Taking listeners through the investigative process provides an insider’s view of how to identify an investment scam.
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The lang cat‘s Tom McPhail talks with industry experts and insiders about pensions and investments, regulation, technology, politics and policy-making . Grown-up financial services insights for people who work here. Tom is one of the industry‘s leading experts on pensions and retirement for over 20 years and former Head of Policy for the FTSE100 firm Hargreaves Lansdown. You can also find him on Twitter as @pensionsmonkey
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Join us as we discuss the people, policies, and platforms driving financial regulation today. We speak with economists, regulators, industry, and subject matter experts to gain insights into where the nation's financial regulatory system is headed.
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Our finances, portfolios and the markets are affected daily by the policies and politics coming out of Washington. In each episode of WashingtonWise, host Mike Townsend, Charles Schwab’s Vice President for Legislative and Regulatory Affairs, focuses a non-partisan eye on the stories that matter most to investors, and his guests offer actionable suggestions for what to do--and what not to do--with your portfolio. Podcasts are for informational purposes only. This channel is not monitored by C ...
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Moody's Talks - Focus on Finance
Moody's Investors Service, Ana Arsov, Danielle Reed, Mark Wasden, Bruno Baretta, Donald Robertson
Hosted by Danielle Reed of Moody's Financial Institutions team, Focus on Finance helps you keep on top of developments within the banking, insurance and asset management sectors — from the impact of tech disrupters and cyber risk to the ongoing effects of ESG and lower-for-longer interest rates. Published by Moody's Investors Service.
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No sector or region is immune from challenges. Each episode we visit a different UK location, putting a client in the frame. Get insights to inspire your own business as we delve into the issues they’ve faced – and the big picture strategies that led to success. Barclays Bank PLC is registered in England (Company No. 1026167) with its registered office at 1 Churchill Place, London E14 5HP. Barclays Bank PLC is authorised by the Prudential Regulation Authority, and regulated by the Financial ...
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FINRA Unscripted is the voice of the nation’s largest non-government securities regulator. We bring together FINRA leaders to discuss existing and emerging regulatory topics that impact the broker-dealer industry. We share best practices for compliance officers, insights into the operations of a 3,500 person self-regulated organization and educational tools and information for investors. Every investor in America relies on one thing: fair financial markets. That is what FINRA works every day ...
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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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Congressman Dan Crenshaw joins the world's leading experts for deep and insightful conversations about the most important issues facing us today.
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We want to help every independent agent or retirement planner be successful explaining the benefits all types of annuities - fixed indexed annuities in particular. You should walk away each time you listen with some idea that will make your next client meeting run better.
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The Encrypted Economy podcast explores the business, laws, regulation, and security relating to our most valuable digital data...whether financial assets, proprietary data or personal information. Join us each week as we delve into what makes up the new encrypted economy as well as the developments that are shaping our economies and world.
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The podcast is a journey into the multifaceted world of climate business and finance trends in Asia. Featuring experienced experts and hosted by author, analyst, and investor Joseph Jacobelli, the non-profit podcast, delves into the latest trends and challenges, empowering listeners to navigate Asia’s ever-evolving sustainability and decarbonisation landscape.
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FTAdviser is the Financial Times’ specialist title dedicated to the UK financial advice profession. Each week one of our reporters will be joined by a panel of experts to discuss issues such how the latest regulatory developments will impact advice firms, how advised clients will be affected by the latest developments in pensions, investing, mortgages and tax, and how the financial advice profession will develop and grow. The FTAdviser Podcast is designed to inform regulated UK advisers on a ...
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The Consumer Financial Services industry is changing quickly. This weekly podcast from national law firm Ballard Spahr focuses on the consumer finance issues that matter most, from new product development and emerging technologies to regulatory compliance and enforcement and the ramifications of private litigation. Our legal team—recognized as one of the industry's finest— will help you make sense of breaking developments, avoid risk, and make the most of opportunity.
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Capitalmind looks at stocks, bonds, funds and the macro to bring you their view on the Indian financial markets. We discuss all things related to investing at our focussed podcast that keeps it simple. For more, go to capitalmind.in and to invest with us, visit capitalmindwealth.com
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If you’re concerned about revenue at your hospital, then The Hospital Finance podcast is your go-to source for information and insights that can help you protect and enhance the revenue your hospital has earned. From regulatory changes to revenue cycle optimization, readmissions to bundled payments, you’ll get important perspectives, news and strategies from leading experts in healthcare finance. For show notes and additional resources from BESLER, visit https://www.besler.com/podcasts
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Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS. Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories across M ...
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The Healthcare Financial Management Association provides industry insights and in-depth stories about hot topics in healthcare finance. Experts weigh in on the latest in healthcare finance policy and practice, and healthcare insiders discuss the most pressing issues facing the industry. podcast@hfma.org
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The Laundry podcast: Dive deep into the intricacies of financial crime, AML (anti-money laundering), compliance, sanctions, and the ever-evolving landscape of financial regulation. Hosted by Marit Rødevand and Fredrik Riiser – this podcast features renowned experts from sectors such as banking, fintech, compliance, and investigative journalism. Together, they shed light on the industry's trending topics, analyse mainstream news through a compliance-focused lens, and connect the fight against ...
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Hosted by NASFAA staff, this weekly podcast offers an unscripted view of hot financial aid and higher education-related topics. Justin Draeger and co-hosts will discuss what's happening inside the beltway to give you an insider's perspective.
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Looking for ideas, tips, and best practices to take your financial institution to the next level? Look no further than this podcast featuring insights from banking leaders and advisors across the industry. We’ll tackle a range of topics — technology implementation, loan grading, banking cannabis, and more to ensure you stay ahead of the curve in this fast-changing environment. This podcast is available on all your favorite podcasts platforms. For more information on Abrigo, head to abrigo.com.
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Ctrl-Alt-Speech is a weekly news podcast co-created by Techdirt’s Mike Masnick and Everything in Moderation’s Ben Whitelaw. Each episode looks at the latest news in online speech, covering issues regarding trust & safety, content moderation, regulation, court rulings, new services & technology, and more. The podcast regularly features expert guests with experience in the trust & safety/online speech worlds, discussing the ins and outs of the news that week and what it may mean for the indust ...
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The biggest financial stories and why they matter to us all.
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Hosted by Aaron Johnson and Xhensila Pisha of the Structured Finance team, our new Securitization Spotlight podcast series brings you the insight you need to keep on top of corporate and consumer debt securitization markets. From the impact of an evolving regulatory landscape and the ongoing recovery from the pandemic, to the ongoing effects of lower-for-longer interest rates and investors’ growing focus on ESG considerations, Aaron, Xhen and their guests will deliver the analysis that matters.
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Experts and practitioners from McKinsey's Corporate Finance practice talk about value-creating strategies and the translation of those strategies into company performance. The podcast is a complement to the firm's quarterly publication, McKinsey on Finance.
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Podcast by CIFR
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PwC’s Financial Services risk and regulation podcast, discussing the latest developments affecting the industry, some insights from our work with clients, and our perspective on industry talking points. Led by host and PwC Partner Sarah Isted, who’s joined by a range of guests each month.
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A monthly podcast that draws perspectives from a variety of thought leaders on key themes influencing markets, industries and the global economy today.
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FINCast is an exciting hub of conversation encompassing the world's most pressing financial integrity-related issues, including anti-money laundering/counter-terrorist financing (AML/CFT), anti-bribery and corruption, financial and cyber crime vulnerabilities, and fin-tech and new technologies.
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Listen.Think.Leap! is a creative movement podcast that introduces children to dance concepts, critical thinking, self regulation, body awareness and literacy skills through games and easy to follow movement instruction. At Listen.Think.Leap! we believe every child should have access to quality dance education and the tools to explore and build confidence in their creative voice through movement. We believe every child deserves the chance to engage in play based learning that doesn't happen i ...
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The GOAL Podcast is a Second Amendment podcast focused in Massachusetts. We discuss law, regulation, liberty and the efforts of Gun Owners' Action League to protect and preserve 2A rights for the citizens of the Commonwealth, as well as other firearms related topics.
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With What Bitcoin Did, host Peter McCormack talks to experts in the world of Bitcoin, economics and politics. From developers to investors, journalists to authors, you will learn about everything in the world of Bitcoin.
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Join Peter Tertzakian and Jackie Forrest from the ARC Energy Research Institute as they explore trends that influence the energy business, including financial, political, environmental, technological, social and economic forces.
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In an uncertain and rapidly changing world, Steve Forbes sits down with today’s leading business and economic minds to give listeners a better grasp of what’s ahead, and shares his own perspectives on the day’s most pressing issues.
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Interviews and content that helps you build an income stream and find your purpose after reaching Financial Independence. The podcast helps you to work and invest wisely and live a meaningful life on your own terms.
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Joe Murphy and the team bring everything you need to know about retirement and income planning in a fast paced format. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings. We are focused on helping investors preserve and grow their assets, increase their income, and reduce taxes ...
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Hear the latest from the IIF’s experts on where the dynamic world of digital innovation in finance intersects with key regulatory and public policy considerations. Specific topics include access to innovative technologies, data sharing and protection, machine learning, cloud computing and cultural change within firms in the digital era.
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With a depth of experience across all regulated sectors, the Maples Group Regulatory and Financial Services team is positioned to address client needs and sensitivities. We have the largest dedicated Cayman Islands Regulatory and Financial Services team in the jurisdiction. Our 15/15 Regulatory Update podcasts are released on the 15th of each month. The podcasts cover the latest Cayman Islands regulatory developments in the past month and include our partners, of counsel and associates as sp ...
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Welcome to The National Bank of Rwanda (NBR) Podcast where we discuss the latest news and insights from Rwanda's central bank.In each episode, we bring you interviews with experts in the field, as well as updates on important policy decisions and economic indicators. Our goal is to provide our listeners with a deeper understanding of the role of the National Bank of Rwanda.We cover a wide range of topics, from monetary policy, and inflation targeting to financial regulation and the global ec ...
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1
Regulating non-bank financial intermediaries
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Should a prudential regulatory regime apply to non-bank financial intermediaries – and if so, what should it look like? Financial Stability Institute Senior Advisors Johannes Ehrentraud and Raihan Zamil discuss this, drawing from their recent FSI Insight paper: Safeguarding the financial system's spare tyre: regulating non-bank retail lenders in th…
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Hatching from the Egg to Creating Your Own Nest Egg - Part 1
50:33
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Today’s episode is part one of a three-part series titled “Hatching from the Egg to Creating Your Own Nest Egg”. Part one will focus on young adults. Young Adults have so much time to prepare for retirement, but the best time to start planning your future is yesterday. We will discuss common pitfalls, misconceptions, obstacles, and fraud that many …
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A blueprint to fix the UK's pension system
1:22:36
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Michael Johnson sets out a radical and thought-provoking vision for reform of the UK's state, workplace and individual pensions, with a view to simplicity and long-term sustainability. Pensions: a vision for the future - Social Market Foundation. (smf.co.uk)By the lang cat
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This Podcast May be Hazardous to Moral Panics
52:44
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In this week's round-up of the latest news in online speech, content moderation and internet regulation, Mike and Ben cover: Surgeon General: Why I’m Calling for a Warning Label on Social Media Platforms (New York Times) The Surgeon General Is Wrong. Social Media Doesn’t Need Warning Labels (The Daily Beast) Anthropic calls for AI red teaming to be…
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Joe Murphy and Steve Sedahl discuss the petrodollar agreement and its impact on the global economy.
49:39
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In this conversation, Joe Murphy and Steve Sedahl discuss the petrodollar agreement and its impact on the global economy. They explore the history of the petrodollar, starting with the Bretton Woods agreement in 1944, which established fixed exchange rates and pegged currencies to the US dollar. They explain how the petrodollar system emerged, with…
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Join us as we revisit a panel from Retiretech Vegas 2024: Consolidation has permanently changed the face of independent distribution forever. Or has it? We will explore the next phase of consolidation and new forms of distribution that may potentially evolve. Moderator: James Wong, Partners Advantage Speakers: Patrick Kelly, Signal Advisors; Tyler …
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The Truth About Bitcoin Scaling with niftynei - WBD829
1:31:01
1:31:01
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niftynei is a CoreLN contributor and a Bitcoin educator. In this interview, we discuss Bitcoin education, Lightning development, sovereignty, ecash, ossification, covenants, time-locks, tokens, and zero-knowledge tech. – Show notes: https://www.whatbitcoindid.com/podcast/the-truth-about-bitcoin-scaling This episode’s sponsors: IREN - Bitcoin Mining…
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Mike Harris: ATF Loses at SCOTUS / MA News and Bill Updates
1:03:58
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Mike Harris joins us to talk about SCOTUS overturning the federal bump stock ban. Also, MA bills in process, news, and more!By GOAL
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What the UK and Australia can learn from each other on retirement income advice
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Anne Fuchs, executive general manager at the Australian Retirement Trust and Jonathan Hawkins, propositions lead at Bravura solutions discussed what the UK and Australia can learn from each other when it comes to retirement income advice. As well as what providers should be doing to help more savers seek advice. Hosted on Acast. See acast.com/priva…
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Inflation hits target, Nvidia’s market surge, political promises unveiled, and making UK markets more attractive
51:00
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In the latest AJ Bell Money and Markets podcast, Dan and Laura begin with the UK inflation rate reaching the Bank of England's 2% target, exploring its implications for interest rates. They also discuss Nvidia's remarkable rise to become the world’s most valuable company, and shifts in market shares among supermarkets. Laura brings some analysis of…
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What Banking Leaders Need to Know About the U.S. Supreme Court Ruling That the CFPB’s Funding Mechanism is Constitutional Part II
33:14
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On May 16, 2024, the U.S. Supreme Court ruled that the CFPB’s funding mechanism does not violate the Appropriations Clause of the U.S. Constitution. This two-part episode repurposes a recent webinar. In Part II, we first discuss the CFPB’s launch of Fair Credit Reporting Act rulemaking, proposed rule to supervise larger payment providers, proposed …
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Joseph Stiglitz's Vision of a New Progressive Capitalism
49:28
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In the last 60 years, few economists have contributed more to exposing the failures of capitalism than Joseph Stiglitz. Formerly the chief economist of the World Bank and chair of the U.S. Council of Economic Advisers under President Bill Clinton, Stiglitz won the Nobel Prize in Economics in 2001 for his work showing that the possibility of having …
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(Bonus) From On Investing: Mid-Year Outlook
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All eyes were on the Fed in the first half of 2024, but with core PCE holding steady and no rate cuts, how did the other parts of the economy and the markets fare? In this midyear episode, Schwab experts look ahead to the second half of 2024 to consider what investors might expect from the U.S. stock market, the global markets, and policy and polit…
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869. Insights: How Wio Bank made a profit in just one year with CEO Jayesh Patel
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On this episode of Fintech Insider Insights, host Benjamin Ensor is joined by Wio Bank CEO Jayesh Patel. Profitability is what every fintech strives for, but it took Starling Bank and Revolut over seven years to achieve it, and Monzo has just announced its first annual profit in their 2024 annual report. So how did a digital bank based in the UAE a…
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E89: What does it really take to be a Chief Compliance Officer?
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Running the entire compliance operations of a financial institution is no walk in the park. Managing a team working to keep customers safe, managing expectations of CEOs and founders, keeping across regulation and sanctions – while trying to stay ahead of criminals looking to funnel dirty money through your service. Our expert host, Marit Rødevand,…
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Insurers’ allocations to private credit will grow in all regions
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We discuss how differences in regional regulatory regimes and market structures affect life insurers’ allocations to private credit investments, and lay out those investments’ benefits and risks. Speakers: Benjamin Serra, Senior Vice President, Moody’s Ratings; Will Keen-Tomlinson, VP-Senior Analyst, Moody’s Ratings Host: Danielle Reed, VP – Senior…
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Will Bitcoin End Central Banking? With Lyn Alden - WBD828
1:01:34
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Lyn Alden is a macroeconomist and investment strategist. In this interview, we discuss the role of the Fed and central banks, fractional reserve vs free banking, how bitcoin could change these dynamics and if we should actually end the Federal Reserve System. – Show notes: https://www.whatbitcoindid.com/podcast/will-bitcoin-end-central-banking-lyn-…
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In this episode, Christina Brown, BESLER's Director of Reimbursement Services, provides us with a glimpse into the next webinar in our Fundamentals of Reimbursement Series, Reimbursement Updates 2024, presented live on Wednesday, June 26th at 1 PM E.T.By Kelly Wisness
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Meet the woman who wants to own a share in every UK listed company
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The Engagement Appeal's founder, Sheryl Cuisa, has a plan to follow in the footsteps of Wilma Soss and the other so-called Corporate Gadflies, who were pioneers in corporate activism in the 1940s. These women used shareholder meetings as platforms to advocate for gender equality and transparency in corporate boards. Cuisia, who currently has about …
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868. Focus: Why we should be excited by PSD3
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In season two of Fintech Insider Focus, in collaboration with Visa, our expert hosts. continue to shine a light on fintech in different parts of the world. In this episode we are continuing our deep dive into the European payments ecosystem by looking at the opportunity space created by the new PSD3 regulations. 11:FS host David Barton-Grimley, alo…
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Energy Matters: David Hobbs on Trump, NATO, Oil, ESG and AI
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This week, our guest is David Hobbs, Executive Chairman of Pantheon Resources PLC and Chairman of Proton Green LLC. David has an extensive background in energy research, having served as Head of Research at King Abdullah Petroleum Studies and Research (KAPSARC) in Riyadh, Saudi Arabia, and as Chief Energy Strategist at IHS CERA (now part of S&P Glo…
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Send us a Text Message. Today's episode theme is vibrant verbs where we learn the definition of an action word by dancing it out. This episode’s vibrant verb is hush. A Message for Grown-ups: All participants assume responsibility of risk of injury. Before starting an episode clear a suitable area (recommended at least 6ft x 6ft) for jumping, walki…
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The challenges and Solutions in SME Lending
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19:39
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By VERMEG
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Breaking Bitcoin with Casey Rodarmor - WBD827
1:26:28
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Casey Rodarmor is a bitcoin developer and the creator of the ordinals, inscriptions, and runes protocols. In this interview, we discuss ordinal theory & inscriptions, the purpose of runes and why these projects have received so much backlash. – Show notes: https://www.whatbitcoindid.com/podcast/breaking-bitcoin-with-casey-rodarmor This episode’s sp…
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What's the next government got planned for our income and savings
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My colleague Alison Gay and I review the party manifestos published to date and consider the key personal finance promisesBy the lang cat
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867. News: Mastercard makes typing your credit card info a thing of the past whilst Apple unveils new fintech features at WWDC
1:03:11
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Join host Benjamin Ensor and some great guests as we discuss the biggest fintech and financial services news this week. Topics covered include: Apple launches 'Tap to Cash' and more at their annual Worldwide Developer Conference; Mastercard reimagines online checkout; the latest on the huge money laundering case that has rocked Singapore; fractiona…
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The Body Mass Index (BMI) is a long-standing measure used in healthcare. But this height/weight ratio was originally meant for statistical use only and has no proven standing as a measure of health. Yet a patient's BMI is used to make critical decisions about their care. In this episode, Dr. Holly Ann Russell, an associate professor of family medic…
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Rwanda's Path to Embracing Digital Currency.
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14:31
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In our previous episode, we delved into what a Central Bank Digital Currency (CBDC) is, why the National Bank of Rwanda is considering one, and more. But what are the benefits and associated risks of the CBDC? Who is the National Bank of Rwanda collaborating with on this project? The Deputy Governor of the National Bank of Rwanda, Soraya M. Hakuziy…
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Elder financial exploitation and elder abuse: Statistics, FinCEN guidance, and how you can help
25:21
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As the global population of individuals aged 60 and over is projected to increase by 38% between 2019 and 2030, elder abuse and elder financial exploitation (EFE) are becoming increasingly prevalent issues. This demographic shift, particularly in the developing world, brings attention to the unique challenges older persons face, including those rel…
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Moderating Politics & Politicizing Moderation
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In this week's round-up of the latest news in online speech, content moderation and internet regulation, Mike and Ben cover: Meta says it won’t support suit against major child safety law (Washington Post) Obstacles to Autonomy: Post-Roe Removal of Abortion Information Online (Amnesty International) Abortion Groups Say Tech Companies Suppress Posts…
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The conversation covers the proposed changes to taxation and retirement planning under President Biden's 2025 budget.
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The conversation covers the proposed changes to taxation and retirement planning under President Biden's 2025 budget. The focus is on the potential impact of these changes on individuals and corporations. The discussion highlights the potential for higher taxes on higher income earners and the negative consequences of raising corporate taxes. The c…
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Human Trafficking Is Not What You Think | Austin Shamlin
1:11:55
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Human trafficking and modern slavery are very much a reality – but it’s nothing like how you see it depicted in movies. Austin Shamlin joined Rep. Crenshaw to debunk the common misconceptions and describe how human trafficking networks really operate. Austin breaks down the new approaches, using data intelligence, to dismantle global networks and r…
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FATCA and CRS Update, CIMA AML Surveys, CIMA Rule and SOG on Market Conduct, CIMA Policy on VASP Registration and Licensing, FRA Updated SARs Guidance
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In this episode, we discuss the FATCA and CRS Update, CIMA AML Surveys, CIMA Rule and Statement of Guidance on Market Conduct for Trust and Corporate Service Providers and Company Managers, CIMA Policy on Virtual Asset Service Provider ("VASP") Registration and Licensing and the Financial Regulatory Authority ("FRA") Updated SARs Guidance. SPEAKERS…
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‘Adventure Island chronicles’ with Stockvale Group in Southend-on-Sea
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Get ready for an adrenaline-packed ride into the world of Philip Miller MBE – owner and CEO of the Stockvale Group. With a number of diverse, but linked, businesses - including the iconic Adventure Island theme park, bars & restaurants, a ‘zooquarium’, Radio Essex, and a property development portfolio - he shares his thoughts and experiences on the…
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The Bitcoin White Pill with Marty Bent - WBD826
1:33:22
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Marty Bent is a Venture Partner at Ten31 and founder of the Bitcoin-focused media company TFTC.io. In this interview, we discuss the state of corporate media, how the deep state is fighting bitcoin and the game theory of Bitcoin. – Show notes: https://www.whatbitcoindid.com/podcast/the-bitcoin-white-pill This episode’s sponsors: IREN - Bitcoin Mini…
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With the UK general election mere weeks away, FT Adviser's senior reporter Alina Khan speaks to Simon Harrington, head of public affairs at Pimfa, Ollie Saiman, co-founder of advice firm Six Degrees, and Tom Selby, head of public policy at AJ Bell, about the main parties' manifestos and what the implications of certain policies could be for adviser…
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227 - Quarterly Economic Update With David Czerniecki
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In this episode of That Annuity Show, Paul Tyler and David Czerniecki are joined by John Beshoory to discuss the energy sector and the impact of technology on the economy. They explore the fundamental changes happening in the energy sector, such as the shift towards renewable energy sources like solar and wind. They also discuss the role of technol…
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This week on a special episode of "Off The Cuff," Justin, Karen, and Allie are joined by former OTC podcast hosts, Stephen Payne, executive director of external relations at Muhlenberg College, and Megan Coval, interim president of Butler County Community College. Karen kicks off the episode by debriefing listeners on several NASFAA letters. The fi…
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