Just because a commission is baked into
the price of a financial product, that doesn't mean it's free.
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.
When the Bank
of Canada cut interest rates in 2015 to offset the collapse
of oil
prices, it was worried about more than a blow to gross domestic
product; it was also thinking about what mass firings in the oil patch could mean for the
financial system.
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.
Financial services are also difficult to measure, because
prices are dependent on the performance
of the
products.
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.
The company's
financial performance in the year to date has been mixed after its decision to raise the
prices of its
products weakened its market share and forced it to trim its sales growth forecast for the full year.
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).
Is the systematic method
of analyzing
financial instruments, including securities, futures and interest rate
products, with only market - delivered information such as
price, volume, volatility and open interest.
Even if regulators have shored up settlement mechanisms and instituted stricter margin requirements, that's a
financial consideration that will impact the futures
products themselves, not the
price of bitcoin trading on exchanges.
These
financial products track the
price of an underlying asset (in this case, bitcoin) and gain or lose value relative to that base asset.
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.
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.
In addition, if our
pricing and other facets
of our offerings are not sufficiently competitive, or if there is an adverse reaction to our
product decisions, we may lose market share in certain areas, which could adversely affect our
financial performance and business prospects.
Unlike the case
of initial public offerings, where much
of the value is already
priced in at the IPO launch, or even the traditional venture capital system, an ICO allows investors to not only become
financial backers but also early adopters, since the investment coin's long term value is in future
products or services.
The private sector economists are surveyed for only a selective number
of aggregate economic and
financial indicators: real gross domestic
product (GDP) growth; GDP inflation, nominal GDP;, the 3 - month treasury bill rate;, the 10 - year government bond rate;, the unemployment rate; the, consumer
price index; the exchange rate (US cents / Cdn $); and finally, and U.S. real GDP growth.
Investment strategies and
products of AllianceBernstein Japan Ltd. include investments in
financial instruments whose
prices fluctuate.
Similarly, banks may offer you bundled
financial services or
products so that you can take advantage
of package
prices that are less than the sum
of the individual items.
Obviously, with a cyclical asset you will find losses and the widest spread between
price and
financial operating metrics because a trough occurs in a bear market
of declining
product prices.
Genworth
Financial has been in the midst
of a turnaround for quite some time, mostly hinged on the improvement
of its long - term care
products through both various new offerings and improved profitability through
pricing increases.
These risks, delays, and uncertainties include, but are not limited to: risks associated with the uncertainty
of future
financial results, our reliance on our sole supplier, the limited diversification
of our
product offerings, additional financing requirements, development
of new
products, government approval processes, the impact
of competitive
products or
pricing, technological changes, the effect
of economic conditions and other uncertainties detailed in the Company's filings with the Securities and Exchange Commission.
«The key is thinking like a CPG [consumer packaged goods] operator by being extremely close to your customer insights and then developing
products that achieve that insight and behave very much like a brand, not just an alternative to a brand at a lower
price,» Mr Parker told The Australian
Financial Review ahead
of the World Retail Congress in Madrid this week.
Demands for criminal prosecutions follow Barclays» # 290 million fine for attempting to manipulate the interbank lending rate Libor, which is used to
price over # 200 trillion worth
of financial products around the world.
They also wrote Cuomo that «producer - funded drug take - back programs save government and taxpayers money, fairly incorporate the true cost
of managing these
products in the purchase
price, and provide a director
financial incentive for pharmaceutical companies to reduce unnecessary prescriptions.»
By selling such a high quality
product at an affordable
price, we not only positively affect the lives
of our customers, it also gives us the
financial means by which we can help those who are less fortunate to live a happier, healthier, and more productive life.»
There are a wide variety
of products on the market with good features at affordable
prices, so you are bound to find one that makes good
financial sense.
Despite a falling stock
price and
financial losses, French automaker Peugeot showed its latest concept, the Onyx, at the Paris motor show Thursday.The public display is «proof
of our ongoing
product...
«The surge in non-iPad shipments in the fourth quarter was achieved at considerable
financial cost, with sharp
price reductions across most
of the competing Android tablets and actual
product giveaways from a number
of vendors as part
of promotional efforts for other electronic
products,» Alexander noted.
A study from the FTC found 5 %
of consumers have errors on their credit reports that resulted in higher
prices for insurance or
financial products.
Public companies are borrowing heavily to buy back their own shares at the fastest pace since before the
financial crisis, boosting share
prices instead
of investing in new factories or
products, which may also explain why growth is slowing.
Coupled with a portfolio
of attractive loan
products and competitive
pricing, On Q
Financial has continued to build upon that vision every year since our inception.
Although various types
of financial products cover a wide range
of prices, the information found can let you know when a cheaper
price means decreased quality or when the cost
of buying that particular type
of financial product is a good deal.
The
financial services industry offers
products and services for investors to buy at
prices that include the market value
of the investment securities plus the costs and profits related to the sale and transaction.
That's why we offer a variety
of competitively
priced insurance and
financial products to help you meet your goals — whether they include income protection for your family, long - term care preparation, or retirement planning.
Since most
financial advisors are just a deviation
of a salesperson in a nice suit that has a process
of selling you high
priced insurance and investment
products, it's important to recognize that Patricia, nor Meyer Capital Group, sells any investment or insurance based
products.
This can be done by exploiting the differences in the
price of a
Financial Security or Asset or
Product (goods) by simultaneously buying and selling it in different markets.
While regulators have done a good job
of fostering competition in other areas
of the
financial markets, they have not done enough to encourage
price competition among mutual funds and other
financial products sold to retail investors.
However, Jane quickly moved up the LendUp Ladder and was given access to longer term, lower cost installment loans, consistent with two
of the central tenets
of the Center for
Financial Services Innovation (CFSI)'s Compass Principles: «ensure borrowers receive the most appropriate and lowest -
priced loan for which they qualify» and «provide opportunities to graduate to lower - cost
products.»
And, there are other loan /
financial products that can be used in this
price range outside
of a conventional mortgage.
In both instances, these services or
products may include: company
financial data and economic data (e.g., unemployment, inflation rates and GDP figures), stock quotes, last sale
prices and trading volumes, research reports analyzing the performance
of a particular company or stock, narrowly distributed trade magazines or technical journals covering specific industries,
products, or issuers, seminars or conferences registration fees which provide substantive content relating to eligible research, quantitative analytical software and software that provides analyses
of securities portfolios, trading strategies and pre / post trade analytics, discussions with research analysts or meetings with corporate executives which provide a means
of obtaining oral advice on securities, markets or particular issuers, short - term custody related to effecting particular transactions and clearance and settlement
of those trades, lines between the broker - dealer and order management systems operated by a third party vendor, dedicated lines between the broker - dealer and the investment adviser's order management system, dedicated lines providing direct dial - up service between the investment adviser and the trading desk at the broker - dealer, message services used to transmit orders to broker - dealers for execution, electronic communication
of allocation instructions between institutions and broker - dealers, comparison services required by the SEC or another regulator (e.g., use
of electronic confirmation and affirmation
of institutional trades), exchange
of messages among broker - dealers, custodians, and institutions related to a trade, post-trade matching
of trade information, routing settlement instructions to custodian banks and broker - dealers» clearing agents, software that provides algorithmic trading strategies, and trading software operated by a broker - dealer to route orders to market centers or direct market access systems.
Paying fees for
financial advice separately from those
of financial products would result in
price competition and better advice
This article quotes the president
of Genworth
Financial, Inc., a large seller
of long term care insurance, as saying that the companies should never have
priced the
products as they did, and that the regulators should never have allowed it.
In both instances, these services or
products may include: company
financial data and economic data (e.g., unemployment, inflation rates and GDP figures), stock quotes, last sale
prices and trading volumes, research reports analyzing the performance
of a particular company or stock, narrowly distributed trade magazines or technical journals covering specific industries,
products, or issuers, seminars or conferences registration fees which provide substantive content relating to eligible research, quantitative analytical software and software that provides analyses
of securities portfolios, trading strategies and pre / post trade analytics, discussions with research analysts or meetings with corporate executives which provide a means
of obtaining oral advice on securities, markets or particular issuers, short - term custody related to effecting particular transactions and clearance and settlement
of those trades, lines between the broker - dealer and order management systems operated by a third party vendor, dedicated lines between the broker - dealer and the investment adviser's order management system, dedicated lines providing direct
Factors that could cause Blizzard Entertainment's actual future results to differ materially from those expressed in the forward - looking statements set forth in this release include, but are not limited to, sales
of Blizzard Entertainment's titles, shifts in consumer spending trends, the seasonal and cyclical nature
of the interactive game market, Blizzard Entertainment's ability to predict consumer preferences among competing hardware platforms (including next - generation hardware), declines in software
pricing,
product returns and
price protection,
product delays, retail acceptance
of Blizzard Entertainment's
products, adoption rate and availability
of new hardware and related software, industry competition, rapid changes in technology and industry standards, protection
of proprietary rights, litigation against Blizzard Entertainment, maintenance
of relationships with key personnel, customers, vendors and third - party developers, domestic and international economic,
financial and political conditions and policies, foreign exchange rates, integration
of recent acquisitions and the identification
of suitable future acquisition opportunities, Activision Blizzard's success in integrating the operations
of Activision Publishing and Vivendi Games in a timely manner, or at all, and the combined company's ability to realize the anticipated benefits and synergies
of the transaction to the extent, or in the timeframe, anticipated.
He counsels insurers on a broad range
of compliance matters, including rate regulation,
pricing,
product formation, underwriting, claims handling, operations, premium tax, reinsurance, corporate governance, licensing, market conduct and
financial examinations, consumer complaints and deceptive practice claims, and internal and regulatory investigations, as well as legislative and rulemaking matters.
Big data and predictive analytics have found their place in a number
of industries, particularly retail and
financial services to optimize
pricing and push more
products.
This often means explaining the mechanics
of different
products, how they might be
priced in respect
of the client's specific circumstances, as well as highlighting the
financial impact
of different models or combinations therein.
But since the crisis
of 2007/8, the London Interbank Offered Rate, which is used as a global benchmark to
price more than $ 350tn
of financial products, has become one
of the most widely - used acronyms in British media.
This allows you to be more flexible with other
financial products, shopping separately to get the best
price and the best fit instead
of a complicated agreement that may not be your best option and is structured in a confusing way.