Distributed ledger technology, or DLT, is the advancement that underpins an array
of new financial products, including cryptocurrencies and digital payment services.
A number
of new financial products tied to bitcoin could begin trading on regulated exchanges as early as this year, opening the door for investors of all stripes to get in on the cryptocurrency craze — perhaps even providing an opening for the first bitcoin ETF.
Our financial regulatory advice to financial institutions has spanned a wide range of subjects, including the chartering of new banking institutions and their subsidiaries; charter conversions; conversions to BHC; FHC elections; the expansion of regulated banking and non-banking activities through acquisitions and de novo expansion; broker - dealer registration and material changes in business operations; the treatment
of new financial products under regulatory capital requirements; and legal risks in cross-border payment and securities settlement systems.
In that capacity he frequently advised on financial services regulatory issues related transactions, including bond issues and securitisation, and on the development
of new financial products.
Over the last few decades, a surge of financial innovation has occurred that has created hundreds
of new financial products that are not well understood by the common consumer.
He is responsible for leading the development
of new financial products and maintaining CME Group's current financial product lines.
While we have a slightly less extreme view, we are sympathetic to his point and are naturally suspect
of new financial products and services.
However, we don't all need to become tech experts to understand the value
of this new financial product.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our
new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on
new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact
of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition
of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in tax law, such as the effect
of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over
financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential
product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
What fuels most people to start their own business is the thrill
of creating a
new product or service, the sky's - the - limit
financial aspirations, the satisfaction
of running one's own show.
Such risks, uncertainties and other factors include, without limitation: (1) the effect
of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including
financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels
of end market demand in construction and in both the commercial and defense segments
of the aerospace industry, levels
of air travel,
financial condition
of commercial airlines, the impact
of weather conditions and natural disasters and the
financial condition
of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization
of the anticipated benefits
of advanced technologies and
new products and services; (3) the scope, nature, impact or timing
of acquisition and divestiture or restructuring activity, including the pending acquisition
of Rockwell Collins, including among other things integration
of acquired businesses into United Technologies» existing businesses and realization
of synergies and opportunities for growth and innovation; (4) future timing and levels
of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability
of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope
of future repurchases
of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level
of other investing activities and uses
of cash, including in connection with the proposed acquisition
of Rockwell; (7) delays and disruption in delivery
of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9)
new business and investment opportunities; (10) our ability to realize the intended benefits
of organizational changes; (11) the anticipated benefits
of diversification and balance
of operations across
product lines, regions and industries; (12) the outcome
of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact
of the negotiation
of collective bargaining agreements and labor disputes; (15) the effect
of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect
of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect
of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act
of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability
of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition
of conditions that could adversely affect the combined company or the expected benefits
of the merger) and to satisfy the other conditions to the closing
of the pending acquisition on a timely basis or at all; (18) the occurrence
of events that may give rise to a right
of one or both
of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee
of $ 695 million to United Technologies or $ 50 million
of expense reimbursement; (19) negative effects
of the announcement or the completion
of the merger on the market price
of United Technologies» and / or Rockwell Collins» common stock and / or on their respective
financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation
of their businesses while the merger agreement is in effect; (21) risks relating to the value
of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability
of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
With Becky Quick hosting, regular features include interviews with top
financial executives & policy makers, discussions
of current business trends & effects on consumers, stock picks, personal - finance suggestions and reviews
of new products.
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act
of 2010, could have a material adverse effect on Humana's results
of operations, including restricting revenue, enrollment and premium growth in certain
products and market segments, restricting the company's ability to expand into
new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured
products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's
financial position, including the company's ability to maintain the value
of its goodwill; and the company's cash flows.
You're not supporting the manufacturing (and subsequent carbon footprint)
of a brand
new product or the location and transportation costs (both
financial and environment - impacting) to get it to your front door.
The disclosure said that the company may face
product liability claims due to «failures
of new technologies that we are pioneering, including autopilot in our vehicles,» adding that «
product liability claims could harm our business, prospects, operating results and
financial condition.»
Google (goog) will ban online advertisements promoting cryptocurrencies and initial coin offerings starting in June, part
of a broader crackdown on the marketing
of a
new breed
of high - risk
financial products.
Financial products — from tax - preparation tools to insurance marketplaces — are also addressing the
new needs
of our evolving workforce.
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our
products and services; the acceptance
of our
products and services by patients and healthcare providers; our ability to meet demand for our
products and services; the willingness
of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance
of the Cologuard test; the amount and nature
of competition from other cancer screening and diagnostic
products and services; the effects
of the adoption, modification or repeal
of any healthcare reform law, rule, order, interpretation or policy; the effects
of changes in pricing, coverage and reimbursement for our
products and services, including without limitation as a result
of the Protecting Access to Medicare Act
of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our
products and services; our ability to successfully develop
new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis
of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results
of Operations sections
of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations
of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost
of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance
of new product offerings; (6) the availability and cost
of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact
of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation
of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10)
financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
All - in, Morgan Stanley thinks $ 3 billion
of the ~ $ 24 billion spent on
financial information is at risk if
new players — headlined by chat
product Symphony — make major inroads into the market.
Its global acquisitions included Minnesota - based Carlson Hotels, owner
of the Radisson and Park Plaza Hotels; a 25 % stake in Hilton Worldwide Holdings; a 9.9 % stake in Deutsche Bank; the aircraft leasing arm
of the
New York
financial firm CIT Group; and Ingram Micro, the Irvine - based company that is the world's largest distributor
of technology
products.
These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018
financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for
new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount
of discount required on Gilead's
products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability
of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction
of generic versions
of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect
of lowering prices or reducing the number
of insured patients; the possibility
of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels
of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits
of the Sangamo partnership; Gilead's ability to submit
new drug applications for
new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for
new and current
products, including Biktarvy; Gilead's ability to successfully commercialize its
products, including Biktarvy; the risk that physicians and patients may not see advantages
of these
products over other therapies and may therefore be reluctant to prescribe the
products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development
of Gilead's
product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate
of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).
«The pace
of innovation and
new product launches continues,» said Greg Abovsky, Chief Operating Officer and Chief
Financial Officer
of Yandex.
This upending
of the advertising model has had serious
financial repercussions for publishers, and is, in part, why many were willing to consider platform
products like Instant Articles that allow access not only to
new users, but
new advertising opportunities.
Failure to successfully market our
products and brand in
new and existing markets could harm our business, results
of operations and
financial condition.
Lucie Tedesco, commissioner
of the
Financial Consumer Agency
of Canada, said she is concerned by the allegations and issued a statement reminding the lenders
of their obligations to obtain prior consent before increasing credit limits and providing clients with
new products.
Bitcoin supporters argue that the openness
of the Bitcoin platform will allow a wide variety
of innovators to provide
financial products and services, leading to faster, cheaper, and more reliable payments, and perhaps
new types
of financial services that aren't feasible using existing
financial networks.
The relaxation
of underwriting standards that made it easier to become a homeowner and the low mortgage rates — supported in part by the
new financial products — made it easier to speculate in real estate.
Money20 / 20 events are globally acknowledged as the centre stage
of the payments &
financial services industry providing a platform for you to build brand awareness, form partnerships and launch
new products.
The DFS argues that it was tasked by the
New York State Legislature to regulate and supervise
financial services and
products that include virtual currency, which is a «medium
of exchange that may be used to buy or sell goods or services and can be used to store value.»
«
New Yorkers must be confident that the insurance agents, brokers and companies that they rely on are recommending the right
products for them, and that the consumer's best interests are paramount,» said Maria T. Vullo, superintendent
of the NYS Department
of Financial Services.
In recent years, banks and other
financial companies in China issued a tidal wave
of new loans and other credit
products, many
of which will not be paid back in full.
As noted by Bloomberg, starting next year, Apple will create a
new «Other» category for their
financial results which will combine the sales
of the
new Apple Watch, iPod, Apple TV, Beats
products and other accessories.
Aceto Corp. shares tumbled after the firm said it is seeking a waiver from its bank regarding debt service and
financial covenants, naming a
new interim CFO and taking hundreds
of millions
of dollars in write - downs related to its
products.
In addition,
new types
of investment
products are needed and should be made in partnership with traditional
financial companies.
Our
financial products are offered / underwritten by one or more of the following: Genworth Life and Annuity Insurance Company; Genworth Life Insurance Company; Genworth Life Insurance Company of New York (only Genworth Life Insurance Company of New York is admitted in and conducts business in New York); Genworth Mortgage Insurance Corporation; Genworth Financial Mortgage Insurance Pty Limited; Genworth Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation of NC; Genworth Financial Assurance Cor
financial products are offered / underwritten by one or more
of the following: Genworth Life and Annuity Insurance Company; Genworth Life Insurance Company; Genworth Life Insurance Company
of New York (only Genworth Life Insurance Company
of New York is admitted in and conducts business in
New York); Genworth Mortgage Insurance Corporation; Genworth
Financial Mortgage Insurance Pty Limited; Genworth Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation of NC; Genworth Financial Assurance Cor
Financial Mortgage Insurance Pty Limited; Genworth
Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation of NC; Genworth Financial Assurance Cor
Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation
of NC; Genworth
Financial Assurance Cor
Financial Assurance Corporation.
The DOL fiduciary rule has provided an impetus for change in much
of the
financial planning world — and the variable annuity marketplace is one area that may be evolving in such a way that the
new fee - based
products may actually add value for clients who are interested in variable
products.
Given the absence
of a public trading market
of our common stock, and in accordance with the American Institute
of Certified Public Accountants Accounting and Valuation Guide, Valuation
of Privately - Held Company Equity Securities Issued as Compensation, our board
of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate
of fair value
of our common stock, including independent third - party valuations
of our common stock; the prices at which we sold shares
of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges
of our convertible preferred stock relative to those
of our common stock; our operating results,
financial position, and capital resources; current business conditions and projections; the lack
of marketability
of our common stock; the hiring
of key personnel and the experience
of our management; the introduction
of new products; our stage
of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood
of achieving a liquidity event, such as an initial public offering or a sale
of our company given the prevailing market conditions and the nature and history
of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic
product, employment, inflation and interest rates, and the general economic outlook.
This news release contains forward - looking statements within the meaning
of the U.S. Private Securities Litigation Reform Act
of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding
new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding
new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through
of the company's BlackBerry 10 smartphones; BlackBerry's expectations regarding
financial results for the second quarter
of fiscal 2014; BlackBerry's expectations with respect to the sufficiency
of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits
of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates
of purchase obligations and other contractual commitments.
By using the blockchain,
financial institutions are looking to save millions in transactions costs while introducing a whole
new set
of modern
financial services and
products.
This news release contains forward - looking statements within the meaning
of the U.S. Private Securities Litigation Reform Act
of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding
new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding
new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through
of the Company's BlackBerry 7 and 10 smartphones and BlackBerry PlayBook tablets; BlackBerry's expectations regarding
financial results for the second quarter
of fiscal 2014; BlackBerry's expectations with respect to the sufficiency
of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits
of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates
of purchase obligations and other contractual commitments.
Many factors could cause BlackBerry's actual results, performance or achievements to differ materially from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability to enhance its current
products and services, or develop
new products and services in a timely manner or at competitive prices, including risks related to
new product introductions; risks related to BlackBerry's ability to mitigate the impact
of the anticipated decline in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated services and software offering; intense competition, rapid change and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners and distributors; risks associated with BlackBerry's foreign operations, including risks related to recent political and economic developments in Venezuela and the impact
of foreign currency restrictions; risks relating to network disruptions and other business interruptions, including costs, potential liabilities, lost revenues and reputational damage associated with service interruptions; risks related to BlackBerry's ability to implement and to realize the anticipated benefits
of its CORE program; BlackBerry's ability to maintain or increase its cash balance; security risks; BlackBerry's ability to attract and retain key personnel; risks related to intellectual property rights; BlackBerry's ability to expand and manage BlackBerry ® World ™; risks related to the collection, storage, transmission, use and disclosure
of confidential and personal information; BlackBerry's ability to manage inventory and asset risk; BlackBerry's reliance on suppliers
of functional components for its
products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board and management changes and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects and vulnerabilities in BlackBerry's
products; risks related to litigation, including litigation claims arising from BlackBerry's practice
of providing forward - looking guidance; potential charges relating to the impairment
of intangible assets recorded on BlackBerry's balance sheet; risks as a result
of actions
of activist shareholders; government regulation
of wireless spectrum and radio frequencies; risks related to economic and geopolitical conditions; risks associated with acquisitions; foreign exchange risks; and difficulties in forecasting BlackBerry's
financial results given the rapid technological changes, evolving industry standards, intense competition and short
product life cycles that characterize the wireless communications industry.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation
of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature
of the restaurant industry; factors impacting our ability to drive sales growth; the impact
of indebtedness we incurred in the RARE acquisition; our plans to expand our
newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack
of suitable
new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability
of key food
products and utilities; shortages or interruptions in the delivery
of food and other
products; volatility in the market value
of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the
financial markets; risk
of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value
of our goodwill or other intangible assets; a failure
of our internal controls over
financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.
Chris Laws, global head
of product development, compliance and supply solutions for Dun & Bradstreet, explains how
new technologies are providing ever deeper analysis to deliver reputational and
financial risk mitigation
We added a few
new names to the portfolio for the quarter: Grupo Televisa, a Mexican media company and the most dominant producer
of Spanish - language content in the world; SMFG (Sumitomo Mitsui
Financial Group), the third largest bank in Japan; and Wolseley, the world's largest traded distributor
of plumbing and heating
products and leading supplier
of building materials based in the U.K.
Wells Fargo Education
Financial Services and Amazon partnered to create a
new interest rate discount for Amazon Prime Student customers who apply for any
of Wells Fargo's private student loan
products.
«Especially as FinTech democratizes the
financial landscape and gives rise to a
new generation
of alternative investment
products for micro-investors, it is imperative that we create video content that is not only informative and useful, but programming that is as appreciated by investing novices as it is by
financial experts.
The November 15th program will include cutting - edge discussions such as: how non-exchange traded alternatives are becoming the mutual funds
of yesteryear; what is driving retail's demand for non-exchange traded alternatives; using micro-investing technology to diversify across and within online marketplaces; how legislation is being used to engineer a
new breed
of alternative
products; how innovations in self - directed IRAs will create
new retail distribution channels for the entire alternative
product universe; how technology will ensure the scalability
of online platforms and enable traditional
financial services providers to increase AUM; how millennials will fuel the growth
of FinTech and redefine
financial services; how FinTech will replace the 401k and transform the way Americans save for retirement; and how modernizing the Self - directed IRA is the trillion dollar FinTech opportunity.
Estimize, the crowdsourced
financial estimates platform, announced the launch its
newest product, the Estimize Stock Screener, which offers users a real - time, comprehensive view
of the market sentiment for more than 1,500 stocks, as well as the ability to filter for specific attributes.
Plenty
of new financial technology companies promise to revolutionize the way things work in consumer banking, but Beam Financial is one of the few that appear to be converting ideas into a tangible
financial technology companies promise to revolutionize the way things work in consumer banking, but Beam
Financial is one of the few that appear to be converting ideas into a tangible
Financial is one
of the few that appear to be converting ideas into a tangible
product.