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(Click for frequent words.) 64 bonus malus 57 Ucits IV 55 prudential framework 55 PRIPs 54 clawback clauses 53 clawback mechanism 52 Emission Trading Scheme 52 procyclicality 52 dividend imputation 51 Lakmeeharan 51 MasterCard inControl 51 SIMPLE IRAs 51 clawback provision 51 strict austerity measures 51 feebate 50 OnePulse card 50 deferred variable annuity 50 compulsory annuitisation 50 CRD3 50 Finma 50 incen tives 50 Eurovignette 50 feebates 49 Renewables Obligation RO 49 countercyclical buffers 49 Emission Trading Scheme ETS 49 excise duty VED 49 spokeswoman Tatiana Togni 49 Remuneration Code 49 UCITS IV 49 Reinsurance Directive 49 Pensions Regulator TPR 49 greehouse gas 49 prudential requirements 49 Ospel successor 49 openreach 49 HFSB 49 CGT taper relief 49 Emissions Trading Scheme ETS 49 Basel Accords 49 Euro5 49 Saswitch fees 49 UCITS Directive 49 Takeover Directive 49 StartUp Visa Act 49 Wealthbuilder 49 MVRs 48 SAYE schemes 48 NetReveal 48 LDI strategies 48 value reductions MVRs 48 Coverdell ESAs 48 Cesr 48 CCCTB 48 IORP directive 48 Basel III rules 48 Temporary Framework 48 UCITS IV Directive 48 incorporating FalconStor 48 ecodesign 48 supertax 48 Lifetime Savings Accounts 48 Exceptional Hardship Scheme 48 CP#/# 48 jointly trusteed 48 regulator Finma 48 Solvency II directive 47 Equity indexed annuities 47 Basel Accord 47 Vehicle Excise Duty 47 multiemployer defined 47 Eurovignette Directive 47 Emissions Trading System 47 Basel III accord 47 Scrappage scheme 47 PRSI ceiling 47 Pensionskassen 47 FRS# accounting standard 47 DRIVe models 47 chairman Peter Kurer 47 misaligned currencies 47 procedural simplifications 47 wage indexation 47 IUC regime 47 Malakoff Mederic 47 CarbonSMART ™ enterprise 47 CAMELS rating 47 Mzansi account 47 commissioner Laszlo Kovacs 47 electrostatic precipitator ESP 47 DMA LIVE 47 Lifetime Savings Account 47 EFRP 47 Solvency II Directive 47 bonus supertax 47 stakeholder pensions 47 Rule 2a 7 47 lifestyling 47 PSzÁF 47 Europlace 46 Pension Bima Yojana 46 standardized plain vanilla 46 Stewardship Code 46 coffees lattes frozen 46 allowances EUAs 46 Low Emission Zone 46 Telecoms watchdog Ofcom 46 triennial valuation 46 Carbon Principles 46 DIFs 46 IRDA norms 46 Nissan Versa Sedan 46 Chief Executive Oswald Gruebel 46 Lamfalussy process 46 Standards GIPS 46 annuitisation 46 Development Programme APDP 46 benchmark PLR 46 Capital Requirements Directive 46 CarbonNeutral Protocol 46 financial regulator FINMA 46 Standardized Approach 46 costcutting measures 46 Chairman Peter Kurer 46 M &A; finance 46 FSA Sants 46 EU6 46 OFRs 46 employers PRSI 46 Ucis 46 Frédéric Oudéa 46 Fuel Obligation 46 Oswald Gruebel 46 ad valorem excise duty 46 Emissions Trading Directive 46 Four phorid species 46 SIFIs 46 Carbon offsetting 46 HOMESTAR program 46 degradation REDD 46 sub-#g/km CO2 46 Prompt Payment Code 46 financial institutions SIFIs 46 Scrappage Incentive Scheme 46 Tax 45 grandfathering provisions 45 carbon dioxide emission allowances 45 AIFM directive 45 loophole closers 45 PPRS 45 prudential regulation 45 moneyback 45 iOn electric 45 EU Landfill Directive 45 IPPC Directive 45 BMW Concept ActiveE 45 GBP #bln [001] 45 PRSAs 45 FactorShares ETFs 45 Flow Through SIFT 45 Mainspring Managed 45 UBS UBS.N UBSN.VX 45 MiFID directive 45 UCITS III 45 incentivisation 45 corporate governance ESG 45 CEO Brady Dougan 45 Section #L 45 HECM Saver 45 detariffed regime 45 FIAs 45 GPPs 45 Carbon Reduction Commitment CRC 45 MACT standards 45 commonhold 45 Basel III norms 45 prudential borrowing 45 IASB FASB 45 AXA Winterthur Wealth Management 45 MIFID 45 IBIs 45 nutrient profiling 45 investment trusts Reits 45 Transferable Securities 45 FRBMA 45 SDR denominated 45 PURE DRIVE 45 wage reopener 45 Stakeholder pensions 45 subvention scheme 45 assignee liability 45 SafetyIMPACT 45 Penalty Guidelines 45 environmentally considerate 45 cap andtrade 45 Landfill Directive targets 45 PAYD insurance 45 Discover Debit 45 clawback provisions 45 Basle II 45 economywide 45 RAC motoring 45 Streamlined Modification Program 45 Duty Entitlement Passbook DEPB 45 regulator FINMA 45 CPSS IOSCO 45 Emission Trading 45 Seagate DriveTrust 45 bankā 45 Certified Emission Reductions 44 pregnancies Mishell 44 ACORD Framework 44 motorway tolls 44 Deutsche Postbank AG DPB.XE 44 trivial commutation 44 sectoral caps 44 MVDP 44 Tariceanu Liberals 44 subsidiarisation 44 Constant Contact AppConnect 44 Nortel Networks enriches 44 Sarbannes Oxley Act 44 non domiciles 44 sectoral crediting 44 AIFMD 44 Occupational Pensions Regulatory Authority 44 GHG abatement 44 nonadmitted insurance 44 taxe professionnelle 44 broad foreclosure moratoriums 44 KiwiSaver scheme 44 employer PRSI 44 depolarisation 44 grandfathering provision 44 EUâ 44 Deposit Guarantee Schemes 44 Std msg charges 44 nitrates directive 44 FATCA 44 Waste Incineration Directive 44 Securities Regulators CESR 44 Intesa SP 44 EU Transparency Directive 44 proc fee 44 KiwiSaver schemes 44 unarranged overdraft charges 44 COE quota 44 Selective catalytic 44 stringent emission 44 SCR selective catalytic 44 indexation clauses 44 clawback mechanisms 44 NBD IB 44 HECS HELP 44 programmatic CDM 44 Company noncontributory defined 44 incentivization 44 VoiceCash Bank 44 CICA Handbook Sections 44 superannuation surcharge 44 ARFs 44 Euro4 44 Schengen accord 44 companiesâ 44 abolish COAH 44 Credit Card Reform Act 44 Way2Save 44 DFSADFSA 44 Saswitch 44 Exchequer Darling 44 decumulation 44 Financial Stability Contribution 44 Forecasts illustrate 44 BlueCore7 44 Mr Steinbrück 44 leaseback arrangements 44 Corporate Governance Code 44 Stricter regulations 44 Defined Benefit pension 44 Algo Collateral 44 clawback 44 Skyactiv 44 financial watchdog Bafin 44 HAMP servicers 44 Ann Lefert 44 DvP 44 perverse incentives 44 Patrick Odier 44 RoO 44 polluter pays principle 44 maxi Isa 44 macroprudential measures 44 Renewable Transport 44 Obwalden 44 Renewable Obligation 44 SIFT Tax 44 creativity GoldenPalace.com 44 Abacus CDOs 44 Distribution Reinvestment 44 plugging loopholes 44 Pension Scheme NPS 44 violate NTP patents 44 GHG Tailoring Rule 44 Botswana IFSC 44 Initial Disclosure Document 44 IORP 44 Craig Stobo 44 alternative QDIA 44 CBBCBB 44 FRS# 44 Fuelwatch scheme 44 economywide cap 44 HFWG 44 Exempt Exempt Tax 44 Modvat 44 meas ures 44 website NADAguides.com http:/www.nadaguides.com/ 44 Branchless banking 44 SO2 NOx 44 PAYG installments 44 Taper Relief 44 EITE assistance 43 undeducted contributions 43 Expect flyspeck scrutiny 43 SIFT Legislation 43 Irap 43 RH Reward 43 Mondeo ECOnetic 43 CEIOPS 43 SuperStream 43 BlueMotion 43 Machinery Directive 43 PFZW 43 provisioning norms 43 Ucits compliant 43 carbon emmissions 43 carbon dioxide CO2 emission 43 golden parachute severance 43 variable remuneration 43 macroprudential tools 43 EFRBS 43 fee maxima 43 EIOPA 43 MasterCardMasterCard 43 governance ESG factors 43 Chief Executive Frederic Oudea 43 de minimis exception 43 Focus ECOnetic 43 EU4 emissions 43 compulsory metering 43 Batteries Directive 43 healthinsurance 43 QRM definition 43 reduce greenhouse gasses 43 dormancy inactivity 43 tailpipe emission 43 DTAAs 43 IAS# accounting 43 #k #b 43 Shari'a principles 43 #g CO2/km [002] 43 Pooled Registered Pension Plan 43 Permanent tsb 43 prudential regulations 43 exchequer Alistair Darling 43 Isis antisense drug 43 Visa Electron card 43 spokesman Kris Kagel 43 UniCredit SpA UCG.MI 43 Nortel remedial 43 Performance Standards GIPS 43 Neose intends 43 Convergence Programme 43 Carbon Emissions Trading 43 GoalMine 43 Nonqualified 43 Eurovignette directive 43 CLRG 43 PSZAF 43 About PaySimple PaySimple 43 discourage frivolous lawsuits 43 Swiss regulator FINMA 43 Salaam Halal 43 banksâ 43 grievance redressal machinery 43 FSAs HSAs 43 AB STO SWMA 43 Gauzes 43 codecision procedure 43 mandatory emission reductions 43 Extends 43 UCITS directive 43 ČNB 43 Mortgage Origination Commission 43 Pyongyang Maazel 43 PPF levy 43 De Larosière 43 LGPS 43 scrappage incentive 43 EAAC 43 GHG permitting 43 QOF indicators 43 Fortent Connect 43 Indexed annuities 43 EU# strategy 43 bangers scrappage scheme 43 MedPAC recommendations 43 Veeza 43 Economic Stimulus Rebate 43 voluntary redundancy scheme 43 Clubcard loyalty 43 LICAP 43 Project Bluephone 43 CBUAE 43 initia tives 43 ecolabelling 43 HGTE package 43 Maloney DN.Y. 43 overfunded pension 43 Britainā 43 RR #-# 43 ING Vysya MF 43 Resilience Package 43 digital tachographs 43 EFAMA 43 C.Suisse 43 Telecoms regulator Ofcom 43 Astrue enlisted 43 NER# 43 Duty Entitlement Passbook Scheme 43 gainful employment rule 43 association BdB 43 Eurotariff 43 portfolio margining 43 Walter Kielholz 43 restructuration 43 Ms. Nappier 43 Basel III accords 43 Pooled Registered Pension 43 Kyoto Protocal 43 saltwater angler registry 43 Antidumping duties 43 Energy regulator Ofgem 43 AFEP MEDEF 43 Remedies Directive 43 QFMA 43 Retirement Savings Accounts 43 Vehicle Excise Duty VED 43 IAS# [002] 43 FRS# accounting 43 Machinery Directive #/#/EC 43 fiscally neutral 43 BWise GRC platform 43 Globalisation Adjustment Fund 43 Defined Benefit DB 43 David Kenmir 43 uprating 43 CEO Josef Ackermann 43 Ajay Bimbhet 43 Medicare Advantage PFFS 43 European Unionā 43 regulator CNE 43 NASD Rule 43 debit card interchange 43 proc fees 43 Gauzès 43 IAASB 43 InsightOne 43 UPMIFA 43 shortselling 43 WEEE Regulations 43 INFLUENCE GAME Govt 43 carbondioxide emissions 43 Kiwisaver 43 tough tailpipe emission 42 Financial Institutions AAOIFI 42 transgenic marmosets 42 demutualising 42 comdirect 42 risk mitigants 42 Renewable Energy Directive 42 AIFM Directive 42 Boiler Scrappage Scheme 42 European Stabilisation Mechanism 42 firmā 42 EUCD 42 FiTs 42 Tricorona 42 IORP Directive 42 Fee Disclosure 42 CO2 emission allowances 42 specie transfers 42 Cordares 42 FSP EITF #-#-# [002] 42 TruckersB2B www.truckersb2b.com 42 PATRIZIA Immobilien AG 42 reformed GST 42 Toyota Motor Corp.ā 42 EU# regulations 42 Renewables Obligation 42 See T Mobile.com 42 tele interviewing 42 TxLED 42 Equens Italia 42 non contributory pension 42 MODC acquires promising 42 nondeductible IRAs 42 Ceiops 42 Distribution Reinvestment Plan DRIP 42 PRPP 42 REDD mechanism 42 NPPF 42 Nondisclosure agreements 42 CoCos 42 René Carron 42 EPCRS 42 liquidity buffers 42 Decree #/#/ND-CP [002] 42 Timeshare Directive 42 Waste Diversion Act 42 bancassurance channel 42 maturing SSIAs 42 Shari'ah principles 42 KIID 42 E2m 42 Energy Efficiency Certificates 42 Minnesota XATA revolutionized 42 Gender Directive 42 Fair Fuel Stabiliser 42 cocos 42 EITF #-#-# 42 RTFO 42 Yaris HSD 42 BT Webwise 42 Passed bill 42 NRSRO designation 42 prudential oversight 42 auditor attestation requirement 42 bursary schemes 42 TIPRA 42 Renewables Directive 42 Interpretative Communication 42 install particulate filters 42 CO2 emission quotas 42 HLCs 42 Next Generation Networks NGNs 42 comitology 42 Valartis 42 LRET 42 external inductor 42 QDII scheme 42 Basel III 42 ISVAP 42 compulsory insurances 42 AIFMs 42 regulator Oftel 42 loss carrybacks 42 SEFTON Council 42 your FIRST DEPOSIT 42 BNetzA 42 Valvematic 42 Turkey Disbank 42 CENVAT Credit 42 ratio LVR 42 pecuniary penalties 42 Akrama Sakrama scheme 42 GreenX 42 Qualifying Recognised Overseas 42 IFRS changeover 42 scheme.The 42 Nitrate Vulnerable Zones 42 myclimate 42 theinvestment 42 debit card overdraft fees 42 Euro5 emissions 42 DPEF 42 Buildings Directive 42 Chief Executive Stuart Gulliver 42 NCOIL model 42 micro prudential 42 Winfried Bischoff 42 EC Directive 42 Commerzbank AG CBK.XE 42 LGIC 42 ad valorem excise 42 Multifibre Agreement 42 FinancialAnalytics 42 Homebuyer Solution 42 BLS Wagon 42 Bicycle Commuter Act 42 India cbank 42 Charge ADC 42 Sarbannes Oxley 42 BioCarbon Fund 42 deductability 42 Kasikornbank Plc 42 Furnished Holiday Lettings 42 Novelis Fusion 42 Acco2unt 42 underwritten dividend reinvestment 42 EU finmins 42 Scoping Plan 42 mediumsized businesses 42 ULIPS 42 Lex Koller 42 enforceable undertakings 42 MAIF 42 countercyclical buffer 42 BCRs 42 Macro prudential 42 archaic Income Tax 42 Directive #/#/EC [003] 42 PartnerOne 42 sav ings 42 de minimis exemption 42 RoHS directives 42 Jeevan Aastha 42 hostile takeover prohibitively expensive 42 UTI Mastershare 42 ITALY Fiat 42 commissioner Michel Barnier 42 FirstBuy scheme 42 EU Directive #/#/EC 42 Foreclosure Alternatives Program 42 EET exempt 42 Equator Principles 42 tariffing 42 EU5 emissions 42 SmartGuide TM 42 thwart hostile takeovers 42 Exposure Draft 42 chancellor Alistair Darling 42 Regulator Ofcom 42 high frequency RFICs 42 ISA allowances 42 E# gasohol 42 nonrepresented employees 42 Regulatory Impact Assessment 42 undistributed profits 41 undeducted contribution 41 paycheck withholdings 41 Services Directive PSD 41 BankFusion 41 noninsurance 41 UTIMF 41 Reichmuth Matterhorn 41 FSCS levy 41 occupational pension 41 FSCS levies 41 scrappage incentives 41 Landfill Directive 41 Bundesanstalt für Finanzdienstleistungsaufsicht 41 Qualified Default 41 Decree #/#/ND-CP [001] 41 silent participations 41 central bankā 41 ICF SkyWorks 41 grievance redress 41 de mutualisation 41 PRPPs 41 IBFSL 41 suspend redemptions 41 see IP/#/# [001] 41 Carbon Reduction Commitment 41 Lex MOL 41 Westminster sleaze watchdog 41 procuration fee 41 NBFC MFIs 41 Efficient Dynamics 41 Scheme ETS 41 FRSSE 41 incentivising 41 QRMs 41 incentivises 41 Chief Executive Georges Pauget 41 tradeable permits 41 Sudha Narayanamurthy 41 PELL grants 41 apportionment formula 41 ecomagination initiative 41 GHG emitters 41 EMC Celerra NX4 41 wealthy non doms 41 domiciliation 41 pensionable salaries 41 CO ² emissions 41 EOBR mandate 41 MyChoice HomeBuy 41 merchant surcharging 41 regula tions 41 Currently CitySide Tickets 41 inclusionary zoning ordinances 41 prudential regulator 41 GHG emission reduction 41 carryback provision 41 Pupil Premium 41 Vehicle Miles Traveled 41 NetBank Saver 41 Direct Taxes Code 41 lifetime powertrain warranty 41 Exim Policy 41 macro prudential measures 41 AGCS AG 41 Chief Executive Brady Dougan 41 analyst Rainer Skierka 41 pref shares 41 Ms. Borzi 41 MCeX 41 TCG Opal specification 41 Axel Weber Bundesbank 41 Seasonal surcharges 41 ECOFIN Council 41 cleanest diesels 41 SIFTs 41 intake camshafts 41 regualtions 41 nonqualified deferred compensation 41 MySuper 41 MRRP 41 bandings 41 Superannuation Guarantee 41 APRA regulated 41 Money Laundering Regulations 41 PFMs 41 TOU pricing 41 Santiago Principles 41 Luxalpha fund 41 complying superannuation 41 Directive #/#/EU 41 Civil Contingencies Bill 41 SA Asgi SA 41 Toxics Rule 41 Ver.di labor 41 microgeneration technologies 41 FoFs view 41 SCASCA 41 Propane autogas 41 SEPA Direct Debit 41 MSRB Rule G 41 dubbed Power8 41 nonqualified retirement 41 Additional Voluntary Contributions 41 ROHS directive 41 ERGEG 41 malus 41 Rudy Toler 41 Ms. Jérôme Forget 41 CoCo bonds 41 de Larosiere 41 0pc 41 indexation allowance 41 Occupational Privilege Tax 41 FSRA 41 UHNW clients 41 FSCP 41 AVCs 41 Article #a [002] 41 scrappage subsidy 41 forex bureaus 41 Intoxalock 41 hardrock minerals 41 REFIT 41 RPSs 41 non domiciliaries 41 federally enforceable 41 Mediation Directive 41 avoidance schemes 41 mechanism CDM 41 FORS Formula Rescue 41 French regulator ARCEP 41 BlueTEC diesel 41 Directive #/#/EC [005] 41 Book DEPB scheme 41 EMXCo 41 smartcard ticketing 41 Rollover IRAs 41 Federico Ghizzoni 41 Lifelong Learning Accounts 41 Patrick Raaflaub 41 incentivize 41 carbon dioxide emission reductions 41 duty entitlement passbook 41 GHG emission reductions 41 sales divestitures recapitalizations 41 ELSS schemes 41 derivatives clearinghouses 41 Ssas 41 Capital Adequacy Directive 41 Crisis Responsibility 41 Banking Supervision BCBS 41 Banking Supervision Basel III 41 de tariffed 41 stricter 41 sharesave 41 R #A refrigerant 41 hydrogen combustion engines 41 PRSI contributions 41 Voluntary Employee Beneficiary Associations 41 Oudea 41 PANDATEL AG 41 Bundesanstalt für Finanzdienstleistungsaufsicht B3DEO Reward Centers 41 SDAX listed 41 CISADA 41 Prevailing wage laws 41 boiler scrappage scheme 41 Proventia M# 41 Newcits 41 borrower repays 41 nonhomesteaded properties 41 SIBSIB 41 shari'a compliant 41 fiat monetary 41 ESPPs 41 Copyright Directive 41 DSGV 41 Suez GdF 41 tax deductability 41 BSOG 41 Novelis Fusion TM 41 tycoon Bernard Tapie 41 QFCRA 41 Oyak Emeklilik 41 CarbonSMART 41 DRIVe 41 setoffs 41 FERS retirement 41 Resident ePay 41 Association IETA 41 Marrakesh Accords 41 Corporate Manslaughter Act 41 FAS# R 41 blanket retroactive immunity 41 granting antitrust immunity 41 AIMR PPS 41 financialinstitutions 41 purposive approach 41 Winfried FW Bischoff 41 Pfandbrief 41 #g/km CO2 [002] 41 incentive PLI 41 pen sion 41 SSIA scheme 41 CO2 emission reduction 41 Gov't unveils 41 OFSI 41 Special Purpose Vehicle SPV 41 Climate RESOLVE 41 golden parachute payments 41 SuperSIV 41 Pentastar V6 engine 41 Agria filings 41 pollutant emission 41 Cancellation fees 41 carbon offsetting 41 Bluenext 41 DVB T2 standard 41 HFN database 41 receive nonforfeitable dividends 41 Renewable Obligation Certificates ROCs 41 mso font pitch 41 commissioner Frits Bolkestein 41 Handbook Sections 41 NSF OD 41 VED 40 user chooser 40 EERS 40 RNBCs 40 Gramm Rudman 40 EEDI 40 divident 40 PIFs 40 QFCQFC 40 FINANCIAL SERVICES AUTHORITY 40 FRS FinancialAnalytics 40 Sfr#bn 40 E Invoicing 40 rupee convertibility 40 chairman Walter Kielholz 40 noticeably thinner stark 40 micro prudential supervision 40 GHG Protocol 40 Degradation REDD 40 NETHERLANDS Ahold 40 Commerzbank Dresdner 40 SolarCurrents program 40 Teachers Pension Scheme 40 Airbus Power8 restructuring 40 stringent austerity measures 40 Impose 40 Target RET 40 Oyster smartcard 40 Rev. Rul 40 EIBOR 40 antispeculation 40 UUW 40 Cebs 40 antibribery laws 40 laddered portfolio 40 GSCOP 40 Operational Efficiency Programme 40 mini Isas 40 nonexecutives 40 draconian austerity 40 Ecomagination initiative 40 HSA compatible 40 scrappage allowance 40 JPM Loading 40 Concept Genesis 40 Swavalamban Scheme 40 Tonnage Tax 40 RegNMS 40 Dinesh Kanabar 40 PennVest loan 40 bankers bonuses 40 member Doreen Frasca 40 Ecodesign Directive 40 SFLG 40 CityLine pilots 40 MHPAEA 40 Jeevan Akshay 40 London Congestion Charge 40 covenant ratios 40 SDXC specification 40 regulator De Nederlandsche 40 regulator Bafin 40 sulfur dioxide SOx 40 Regulator Ofwat 40 Roaming Regulation 40 tarrif 40 Hartz IV welfare 40 Development Programme MIDP 40 LTCH PPS 40 nonaudit 40 Megacity electric 40 simpler flatter 40 determinate sentencing 40 EC Directive #/#/EC 40 AB# mandates 40 CO ₂ emissions 40 Reduced Emissions 40 Dexion Absolute 40 TUPE Regulations 40 AdWRAP Catalog Platform 40 Chairman Ron Binz 40 EBTs 40 airworthiness directive AD 40 Unitholder Rights 40 massive taxpayer bailouts 40 ideal biocide 40 Biofuels Directive 40 anechoic tiles 40 ALTIN 40 NPSS 40 Abouhossein 40 Volvo C# S# 40 Single hull tankers 40 EUOBSERVER BRUSSELS MEPs 40 Inheritance Tax threshold 40 Incentive RHI 40 Christine Farnish 40 PPIAF 40 receivables securitization 40 ERISA preempts 40 EU Emission Trading 40 BAFT 40 ABCP conduits 40 Kiwisaver scheme 40 Basler Kantonalbank 40 CICA Handbook section 40 CAFÉ standards 40 COSO framework 40 Climex 40 Collateralized Mortgage Obligations CMOs 40 discontinuances 40 IGEFI 40 diesel engined cars 40 IFRS2 40 GhG 40 ESA# 40 repricings 40 airworthiness directive mandating 40 GMWB rider 40 Compassoft Enterprise 40 portal Points.com 40 DebtResolve 40 pentaBDE 40 creditworthy borrower 40 PROVIDENCE RI Governor Carcieri 40 xxiv import export 40 Customs CBEC 40 spokeswoman Maria Assimakopoulou 40 Iobi Home 40 Competent Adviser 40 Hometown Matters 40 Voluntary redundancies 40 Minimum Alternate Tax 40 Georges Pauget 40 Savings Scheme NPSS 40 Accrual accounting