Offshore Banking

  • Premium Essay

    Banking

    funds. Banking sector for great banking has its own significance. Green banking means promoting environmental friendly practices and reducing carbon footprint from banking activities. To aid the reduction of external carbon emission, bank should finance green technology and pollution reducing projects. The present paper aims to highlight Indian initiatives by various banks adopting green banking in India. Further, an attempt has been made to enlist certain strategies of adopting green banking. Defining

    Words: 611 - Pages: 3

  • Premium Essay

    Banking

    Executive Summary Mobile Banking (Vishavjit Singh & gurjeet singh brar) Mobile devices have increasingly become tools that consumers use for banking, payments, budgeting, and shopping. The use of mobile phones in order to effectuate banking transactions is bound to increase in a significant way in the near future. This growth in mobile financial services not only depends on technological advances, but also on consumer confidence in the provided services. Almost every person has a cell

    Words: 333 - Pages: 2

  • Premium Essay

    Banking

    Banks over the years, have become a significant aspect of an economy. With the on going financial depression, the position of banks have become all the more important in the course of working of the money market and hence the economy of a nation. The banking sector forming a portion of the financial sector primarily works as a financial intermediary generating money supply. From the different macro economic models , banks have been found to be a part of the supply side of the economy . However, over time

    Words: 6647 - Pages: 27

  • Premium Essay

    Banking

    A PROJECT REPORT ON FINANCIAL SERVICES OF BANKS Submitted to University of Mumbai in Partial fulfillment Of the requirement of the Degree of B.Com ³BANKING & INSURANCE´ Under guidance of PROF. RUEEN PATEL VPM¶S K.G Joshi College of Arts N.G Bedekar College of Commerce Thane (E) Academic Year: 2010-11 BYJEMINI.J.PATIL ACKNOWLEDGEMENT In completing this project I am deeply conscious of my debt to all those, without whose warm support, enragement & guidance this project was not possible

    Words: 11527 - Pages: 47

  • Premium Essay

    Offshore Drilling

    1887, H.L. Williams decided to drill wells offshore and his first well went about three hundred feet into the Pacific. As expected, the extraction was abundant and extremely productive. During this time, the combustion engine was also being created which increased America’s demands for gasoline. The first well drilled from a fixed platform offshore was not created until 1947 by the Kerr-McGee Corporation and also marked the beginning of the modern offshore drilling industry. As a result, oil production

    Words: 1487 - Pages: 6

  • Free Essay

    Banking

    being followed by GOI. Since then most traditional and outdated concepts, practices, procedures and methods of banking have changed significantly. Today, banks in India have become more customer-focused and service-oriented than they were before 1991. They now also give a lot of importance to their rural customers. They are even willing ready to help them and serve regularly the banking needs of country-side India. The following points briefly highlight the changing role of banks in India. 1

    Words: 4913 - Pages: 20

  • Premium Essay

    Offshore Drilling

    Si Peng Professor Sellmer English 123 6 Aug. 2010 Offshore Drilling: A Bad Idea Crude oil is one of the three kinds of fossil fuel (coal, crude oil, and natural gas) that are widely used by humanity. It plays a very important role in our world, as it is one of our primary energy sources. According to the U.S. Energy Information Administration (EIA), the United States is the biggest oil consumption country in the world, which consumes 19.5 million barrels of oil per day (EIA, “Country Energy

    Words: 2690 - Pages: 11

  • Premium Essay

    Global Banking

    Chapter 14 Global banking Transnational Corporation (TNC) or Multinational Corporation (MNC) - It is a corporation which maintains its headquarters in one country but performs production, marketing, finance, and personal functions within many other countries. - The owners of such corporations are the highly industrialized countries of the world like United States, Great Britain, France, Germany, and Japan. Transnational Banks - International finance institutions which do their

    Words: 2068 - Pages: 9

  • Free Essay

    Islamic Banking

    and is present in both the domestic and international divisions of the financial sector. Barclays Mauritius provides a range of banking services to personal and corporate customers. Personal services include a range of current and savings accounts, foreign currency accounts, loans – including home loans and multi-purpose loans, credit cards, ATMs, and telephone banking. Business services include lending products, trade and export finance and many specialist services such as treasury, foreign exchange

    Words: 921 - Pages: 4

  • Premium Essay

    Banking

    E- Banking System in Pakistan ` E- Banking System in Pakistan Written by, Muhammad Rahimuddin rud777@hotmail.com 691205 0694 Syed Asif Abbas Bukhari asifbukhari82@hotmail.com 720512-1234 Supervised by Eva. Wittbom School of Management Blekinge Institute of Technology Ronneby, Sweden Thesis for the Master‟s degree in Business Administration, Spring-2010 Blekinge Institute of Technology, Ronneby, SWEDEN Thesis for the Master‟s degree in Business Administration Spring

    Words: 18788 - Pages: 76

  • Free Essay

    Banking

    revenue decreases then valuable staff members will leave the firm. James Morgan, CEO of Morgan Stanley, stated “Compensation is way too high. As a shareholder I’m sympathetic to the shareholder view that the industry is overpaid”. People within the banking industry believe that the industry is overcompensated. The firm’s obligation is to provide appropriate shareholder returns and with revenues decreasing and total compensation rising it is becoming increasingly difficult to raise shareholder returns

    Words: 392 - Pages: 2

  • Premium Essay

    Banking

    Introduction During the last two decades the banking sector has experienced worldwide major transformations in its operating environment. Both external and domestic factors have affected its structure and performance. Despite the increased trend toward bank disintermediation observed in many countries, the role of banks remains central in financing economic activity in general and different segments of the market in particular. A sound and profitable banking sector is better able to withstand negative

    Words: 11509 - Pages: 47

  • Premium Essay

    Banking

    of banks. Non-Performing Assets (NPAs) of the Indian banking sector have been rising in 2011-12, reached at 2.9% from 2.4% in 2008-09. NPA represent bad loans, the borrowers of which failed to satisfy their repayment obligations. Michael (2006) emphasized that NPA in loan portfolio affect operational efficiency which in turn affects profitability, liquidity and solvency position of banks. Non-Performing Assets (NPAs) of the Indian banking sector have been rising in 2011-12, reached at 2.9%

    Words: 302 - Pages: 2

  • Premium Essay

    Banking

    bManual on Financial and Banking Statistics LIST OF ABBREVIATIONS ACF AD ADB ADR AFS AGM AIRCSC Auto-Correlation Function Authorized Dealer Asian Development Bank American Depository Receipt Annual Financial Statement Annual General Meeting All India Rural Credit Survey Committee Additive Outliers Auto Regression Auto-Regressive Integrated Moving Average Available For Sale CBS CC CD CD Ratio CDBS CF CFRA CGRA CII CO CP Consolidated Banking Statistics Cash Credit Certificate of Deposit

    Words: 1394 - Pages: 6

  • Free Essay

    Banking

    Adoption of Internet Banking UNDERSTANDING CONSUMER ADOPTION OF INTERNET BANKING: AN INTERPRETIVE STUDY IN THE AUSTRALIAN BANKING CONTEXT Sharman Lichtenstein Deakin University, Australia sharman.lichtenstein@deakin.edu.au Kirsty Williamson Monash University and Charles Sturt University, Australia kirsty.williamson@sims.monash.edu.au ABSTRACT This paper reports key findings from an interpretive study of Australian banking consumer experiences with the adoption of internet banking. The paper provides

    Words: 12503 - Pages: 51

  • Premium Essay

    Banking

    BANKING SECTOR Challenges for Public Sector Banks Public sector banks are trying to overcome huge challenges, many of them stemming from legacy issues, in their effort to set up good Financial Planning and wealth management practices. Financial Planning for Customer Delight et me state at the outset that this article is not a lament. On the other hand, it is an attempt to place before the readers the path traversed by the public sector banks (PSBs) to set up a Financial Planning and wealth

    Words: 1640 - Pages: 7

  • Free Essay

    Banking

    ΠΡΟΙΟΝΤΑ______ 4.5 ΧΑΡΑΚΤΗΡΙΣΤΙΚΑ ΠΡΟΙΟΝΤ Ν ΚΑΤΑΝΑΛ ΤΙΚΗΣ ΠΙΣΤΗΣ ________ 4.6 ΟΙ ΝΕΕΣ ΤΑΣΕΙΣ ΣΤΟΝ ΤΟΜΕΑ ΤΗΣ ΚΑΤΑΝΑΛ ΤΙΚΗΣ ΠΙΣΤΗΣ____ 4.7 ΣΤΕΓΑΣΤΙΚΗ ΠΙΣΤΗ_______________________________________ ΚΕΦΑΛΑΙΟ ΠΕΜΠΤΟ: ΕΣΟ∆Α ΚΑΙ ΚΟΣΤΗ ΠΟΥ ΣΧΕΤΙΖΟΝΤΑΙ ΜΕ ΤΟ RETAIL BANKING 5.1 ΚΑΘΑΡΑ ΕΣΟ∆Α ΑΠΟ ΤΟΚΟΥΣ (NET INTEREST INCOME)_________ 5.2 ΠΡΟΒΛΕΨΕΙΣ______________________________________________ 5.3 ΕΙΣΦΟΡΑ ΤΟΥ Ν.128________________________________________ 5.4 ΤΑΜΕΙΟ ΕΓΓΥΗΣΗΣ ΚΑΤΑΘΕΣΕ Ν (T.E.K.)_____________________ 5.5

    Words: 20499 - Pages: 82

  • Premium Essay

    Banking

    “Internet banking enables bank customers to handle account management and perform account transactions directly with the bank through the internet.  This is also known as internet banking. Online banking has made personal and business banking faster, more efficient and safer”. Every service offered by any company or institute have its own advantages and disadvantages. Same here internet banking is a service which is offered by banks. Its disadvantages are given as below: Advantages of Internet

    Words: 1394 - Pages: 6

  • Premium Essay

    Banking

    customers c. The process by which a bank borrows money from one source to give it to another individual or company that needs funding, investment or resources d. The process by which a bank trades in securities market 2. What is the core banking services? a. Collecting deposits; making loans; arranging payments b. Collecting deposits; making loans; financing infrastructure projects c. Making loans; arranging payments d. Collecting deposits;; arranging payments 3. What

    Words: 2249 - Pages: 9

  • Premium Essay

    Banking

    Note : Both the sections are compulsory. Section I CASE I : BANKING ON RELATIONSHIP The birth of ABC Bank took place after the RBI issued guidelines for the entry of new private sector banks in January 1993. Subsequently, the promoter of ABC Bank sought permission to establish a commercial bank and retained KPMG, a management consultant of international repute, to prepare the groundwork for establishing a commercial bank. The Reserve Bank of India conveyed its approval in principle

    Words: 1746 - Pages: 7

  • Premium Essay

    Banking

    derived from the ancient Latin words “Banco”, “Bangk”, “Bancus” and “Banque”. Meaning of these words is long bench. Once a class of people used to sit in the bench particularly in Lombardy street of Italy for taking deposit and lending money as a banking business. Definition of Bank: ➢ Different authors have defined the “Bank” in different ways with a common principle to accept deposit from the public and lending the same to the borrowers. ➢ Some important definitions are:

    Words: 2187 - Pages: 9

  • Free Essay

    Offshore Windmolenpark

    habitat ontstaat op de zeebodem (S. Degraer, R. Brabant et al. 2010, Noordzeewind 2012). Zeeleven maakt hier optimaal gebruik van (H. J. Lindeboom, H. J. Kouwenhoven et al. 2011). IMARES heeft onderzoek gedaan naar de ecologische effecten van het offshore windpark voor de kust van Egmond. Daaruit blijkt dat de aalscholver het windpark gebruikt als kolonie- en rustplaats. Tijdens zijn vlucht over zee moet een aalscholver namelijk zijn vleugels laten drogen, het windmolenpark is hier uiterst geschikt

    Words: 880 - Pages: 4

  • Free Essay

    Offshore

    Eric Newton 11/29/14 To Offshore or not to Offshore Outsourcing is a method that is becoming more of a normal business technique each and every year. The root definition of outsourcing is to transfer different operations of business to outside suppliers that provide lower costs. Examples of this would be companies giving an independent accounting firm the right to maintain their books because it may be cost beneficial as opposed to hiring an accounting department. A real life

    Words: 481 - Pages: 2

  • Premium Essay

    Offshore Drilling

    Offshore Drilling Does anything out weigh the importance of our planet’s health? You would be surprised by the number of people who look the other way when it comes to keeping the planet clean. Offshore drilling is just one of the major environmental issues that has existed for many years and still continues to be a problem. The topic of offshore drilling not only touches on environmental issues but also political, economic, and ethical issues. All of these tie into the huge debate over offshore

    Words: 1565 - Pages: 7

  • Premium Essay

    Banking

    Banking Research & Writing Table of content Introduction 3 Structure and functioning of UK banking system: 3 Performance measurement system 5 Trading revenues and Value-at-Risk 7 Evaluation of Regulatory Challenges of UK Universal Banking Model 9 Micro and macro prudential regulation 9 Basel II, III regulation 10 Global Financial Crises in UK 12 Conclusion 13 References 14 Introduction The UK managing an account has experienced considerable change in the course

    Words: 2870 - Pages: 12

  • Free Essay

    Banking

    2. The decisions on how much risk to take and what type of risks to take are critical to the success of the business. 3. The essence of good management is making the right choices when it comes to dealing with different risks. 4. In banking, the risk is the possibility that a borrower or counterparty will fail to meet its obligations in accordance with the agreed terms, both in terms of time and quantity. 5. Risk does not come alone – the default of one firm may cripple affiliated

    Words: 5577 - Pages: 23

  • Premium Essay

    Banking and It

    Analytical Study of Information Technology in Banking Sector: Opportunities, Challenges and Strategies Case study of selected banks operating in Kathmandu Valley Research Proposal Arika Kayastha Kathmandu College of Management BBIS 4th year, 1st Semester (2011 – 2015) A013408-11 To: Erika Gajurel Research Supervisor Kathmandu College of Management Gwarko, Lalitpur Contents Chapter I: Introduction 1 1.1 Background 1 1.2 Problem statement 3 1.3 Research Question 4 1.4 Research Objective 4 Chapter

    Words: 2133 - Pages: 9

  • Premium Essay

    Offshore Drilling

    The History of Offshore Oil and Gas in the United States In looking at the history of offshore drilling for oil and gas, it has been a long and grueling process that has revolutionized the industry in its own. Beginning in the 1890s, oil companies have drilled wells in the ocean, but from wooden piers connected to shore. It wasn’t until the 1930’s, that Texaco and Shell Oil deployed moveable barges that were not considered ocean worthy to drill in the South Louisiana marshes. After years of

    Words: 1097 - Pages: 5

  • Free Essay

    Banking

    June 02, 2014 MY Banking Sector SECTOR RESEARCH | Malaysia NEUTRAL Analyst Desmond Ch’ng, ACA (603) 2297 8680 (unchanged) Loan growth slows to 10% YoY    Industry loan growth moderated to 10.0% YoY in Apr 2014 from 10.2% YoY in Mar 2014. All HH loan segments continued to register softer growth except residential property. Still NEUTRAL on the sector; BUYs are AMMB, HL Bank and HLFG. MPHB Capital is also a BUY with a TP of MYR2.42. desmond.chng@maybank-ib.com What’s New Industry

    Words: 7677 - Pages: 31

  • Premium Essay

    Banking

    Accounting Assessing the impact of Core Banking and service quality on Customer Satisfaction in Commercial Bank of Ethiopia (A case of Bishofftu Branch) By: Endalkachew Abebe A research project submitted in partial fulfillment of the requirement for masters of business administration degree in marketing Management June 2013 Hawassa, Ethiopia 1 Hawassa University College of Business and Economics School of Management and Accounting Assessing the impact of Core Banking and service quality on Customer

    Words: 23487 - Pages: 94

  • Free Essay

    Offshore Zones

    of extraterritorial centres. These latest are called ‘Offshore financial centres’, where the activity takes place outside the residence of the natural person. Despite its name, the off-shore centres are not necessary islands, although several insular jurisdictions have been established as such. First of all, an off-shore centre is a small, law-taxes jurisdiction specializing in providing corporate and commercial services to non-resident offshore companies, by offering: i) Liberal legislation regarding

    Words: 1876 - Pages: 8

  • Premium Essay

    Banking

    Act) and even there only casually; he is neither defined nor explained. A customer of a banker need not necessarily be a person. A firm, joint stock Company, a society or any separate legal entity may be a customer. According to section 45-Z of the Banking Regulation Act, 1949, “Customer” includes a government department and a corporation incorporated by or under any law.2 Special types of customer means are those who are distinguished from other types of ordinary customers by some special features

    Words: 2877 - Pages: 12

  • Premium Essay

    Offshore Drilling

    Offshore Oil Drilling Offshore oil drilling has been an ongoing battle for years. Being from Louisiana, I understand that offshore drilling is a big part of our lives and keeps most of our men employed, including my husband. Oil spills are not a very frequent occurrence but when it does happen it is devastating to our planet, animals, and businesses. When things like this happen it can have a very bad impact on other businesses in the area. It can start with the fisherman and then streamline to

    Words: 259 - Pages: 2

  • Premium Essay

    Offshore Finance

    Offshore financial market of RMB Thanks to globalization, people can do business all around the world and the business dealing with foreign currencies has gradually emerged. Those business activities are known as offshore finance. Offshore financial centers (OFCs) are where these activities accumulates. According to Ahmed Zoromé, IMF Working Paper/07/87, an OFC is a country or jurisdiction that provides financial services to nonresidents on a scale that is incommensurate with the size and the financing

    Words: 1572 - Pages: 7

  • Free Essay

    Banking

    conversations were out of the ordinary. That aspect led me to believe that I was destined for greatness in sales and communication. Some of my hobbies are playing basketball and helping foreigners to understand banking in Belize. I explain to them the different banking systems, whether onshore or offshore, and how both can help them depending on their retirement plan. Each year I get to meet over a 150 people due to my job, which doesn’t feel like I am working at all. My career started after I graduated

    Words: 356 - Pages: 2

  • Premium Essay

    Offshore Accounting

    OFFSHORE ACCOUNTING - PROSPECT FOR BANGLADESH Introduction Global compaGlobalisation, stakeholder pressures, firm re-organisation, and changes in the political and regulatory environment present challenges and opportunities to firm finance and accounting functions to improve their value-add contributions to the business. One such opportunity is the offshore outsourcing of finance and accounting services. The business process outsourcing (BPO) market has grown substantially over the last decade

    Words: 2684 - Pages: 11

  • Premium Essay

    Banking

    rely on for your paper. After your topic has been approved, you are free to begin development of the paper in greater detail. The purpose of this writing assignment is to help you express your thoughts/findings on a subject related to Money and Banking, as well as to gain some greater confidence in the process of scholarly writing. That said, I am NOT looking for original research, although in some cases (but not all cases), basic data analysis may be required for you to demonstrate certain points

    Words: 687 - Pages: 3

  • Premium Essay

    Offshore Outsourcing

    University of Maryland, University College (UMUC) Offshore Outsourcing: Reducing Cost, Sacrificing Quality Nick Blasetti AMBA 600 Ralph Masi May 12, 2015 Executive Summary Offshore outsourcing is a growing trend in today’s business world. Many large, fortune 500 companies are sending a majority of their low skilled jobs overseas to reduce labor costs. This process is leading to many negative impacts on consumers and workers. Consumers

    Words: 1922 - Pages: 8

  • Premium Essay

    Banking

    Will Reforms Enable Outreach? M-CRIL Review of Rural Banking in India: Working Paper 1 Micro-Credit Ratings International Limited 602 Pacific Square, 32nd Milestone NH8, Gurgaon 122 001 INDIA Telephone: +91 124 230 9497, 230 9707, 405 0739, 426 8707; Fax: +91 124 230 9520 e-mail: contact@m-cril.com ; website: www.m-cril.com Study Sponsored by Swiss Agency for Development and Cooperation Micro-Credit Ratings International Limited Table of Contents Section Background Executive Summary

    Words: 5545 - Pages: 23

  • Premium Essay

    Banking

    Examination Paper of Banking & Financial Services Management IIBM Institute of Business Management Examination Paper MM.100 Principles & Practices of Banking Section A: Objective Type & Short Questions (30 Marks)    This section consists of Multiple Choice & Short Note type questions. Answer all the questions. Part One carries 1 mark each & Part Two carries 4 marks each. Part One: Multiple Choices: 1. Frequency of First Tranche Returns is: a. Weekly b. Monthly c. Monthly/quarterly d. Monthly/quarterly/half-yearly

    Words: 2600 - Pages: 11

  • Premium Essay

    Offshore Drilling

    Offshore Drilling – To Drill or Not to Drill The Effects of Drilling on the Environment and Business Lydia M. Wityk Strayer University Abstract This paper will explore the business of oil companies drilling off the coast line of the United States. It will explore the benefits from the business of oil companies to the detrimental effects of the oil spills from the offshore drilling. Should we continue to drill for oil off the coast with the possibility of additional spillage into

    Words: 3209 - Pages: 13

  • Premium Essay

    Banking in Qatar

    Banking services in Qatar Banks in Qatar are extremely well financed, secure and well regulated, with the Qatari authorities supporting domestic banks, where necessary, with direct investments. In Qatar you may find several branches of both national and international banks. Large companies, governmental departments also have banks located on site. Banking services are quite modern and some bank provide drives in services, other offer mobile banking, cash deposit machines and many facilities to

    Words: 1055 - Pages: 5

  • Free Essay

    Offshore Banking in Labuan

    1.1 INTRODUCTION Offshore bank is a bank that located outside the country of residence of the depositor. Offshore banking has often been related with the underground economy and organized crime, via tax evasion and money laundering; though legally offshore banking does not prevent assets from being subject to personal income tax on interest. Even though, offshore banks may decide not to report income to other tax authorities, and have no legal obligation to do so as they are protected by bank secrecy

    Words: 4453 - Pages: 18

  • Premium Essay

    Banking

    Current Account | | Current Account is primarily meant for businessmen, firms, companies, public enterprises etc. that have numerous daily banking transactions. Current Accounts are cheque operated accounts meant neither for the purpose of earning interest nor for the purpose of savings but only for convenience of business hence they are non-interest bearing accounts. In a Current Account, a customer can deposit any

    Words: 325 - Pages: 2

  • Premium Essay

    Banking

    Assistant Banking Center Manager at Gessner and Kempwood Job Apply now » Date: May 24, 2012 Location: Houston, TX, US Assistant Banking Center Manager at Gessner and Kempwood-1201185 Assistant Banking Center Manager I We invite you to explore the award-winning culture, people, rewards and opportunities that make Comerica Bank so special. Make your next career choice a confident one. The Assistant Banking Center Manager is responsible for contributing to the overall success of a Retail

    Words: 677 - Pages: 3

  • Premium Essay

    Banking

    The article presents a study which aims to analyze the role of information technology (IT) in the Indian banking industry. Indian banks are investing heavily in the technologies such as automated teller machine (ATMs), net banking, mobile banking, tele -banking, credit cards, debit cards, smart cards, call centers, CRM, data warehousing etc. It is essential to evaluate the impact of information technology on the performance of Indian banks in terms of extended value added services and

    Words: 318 - Pages: 2

  • Premium Essay

    Banking

    Contract Act, Sec 17 suggests that a fraud means and includes any of the acts by a party to a contract or with his connivance or by his agents with the intention to deceive another party or his agent or to induce him to enter in to a contract. Banking Frauds constitute a considerable percentage of white-collar offences being probed by the police. Unlike ordinary thefts and robberies, the amount misappropriated in these crimes runs into lakhs and crores of rupees. Bank fraud is a federal crime

    Words: 3880 - Pages: 16

  • Premium Essay

    Banking

    1. Introduction to banking sector Whenever you think of Banks what comes to your mind? Your salary account, your savings account or if you are a businessman your current account. Maybe you are also thinking about loans you took from a bank – your home loan, your car loan or your personal loan. But, did you ever pause to think how does this industry actually work – What is the structure of the Indian Banking Industry? What is its business model? How does a bank make money? What is its future outlook

    Words: 602 - Pages: 3

  • Free Essay

    Jobs Offshore

    head: THE CHORE GOES OFFSHORE The Chore Goes Offshore Gwendolyn F. Thompson Abstract Companies that want to be successful in today’s shrinking economy, realize they have to be savvy and innovative in their approaches to motivating and energizing the workforce in order to meet their organizational goals. Pfizer is meeting that challenge through its new and innovative program called PfizerWorks. This program allows employees to shift tasks offshore to one of two Indian

    Words: 971 - Pages: 4

  • Premium Essay

    Banking

    situation in the banking sector Nepal and to revealing of its core dependencies and potential risks in particular. The problem of the project is based on the statement that the banking sector in nepal exists only at rudimentary level because it has evolved difficult transition from highly centralized and planned economy to government-sector dominated, commodity-focused market economy of today. This project of “Banking" will give us the platform to use the software for basic banking purposes ranging

    Words: 1152 - Pages: 5

+
-