while others are more familiar with traditional savings deposit. Some prefer short term, fixed return products while others are drawn to giveaways and complimentary gifts or neglect details of the
financial behavior. Even with a well-designed financial education program with meaningful messages and effective delivery channels, financial literacy cannot be achieved if consumers neglect the necessity and
. Additionally, the four persons colluded to act or consented to the recording of the false statements or the omission of material or related statements from the account or documents of NMG to deceive any persons
case also involves seeking unlawful gains and consenting to the omission of the B/E transaction records, which caused inaccurate preparation of KC accounting records. The aforesaid four executives are