save and invest earnestly in order to meet life goals and have comfortable and secure retirement. The SEC always takes an active role to promote financial literacy for people from all walks of life

employees to have financial management and planning skills, better standard of living and ability to afford comfortable retirement. Under the program, human resource unit of each employer will play a key role

characteristics (Matsumoto, 2002) - Institutional ownership - Reliance on implicit claims with their stockholders - Value-relevance of earnings Natural disasters (such as hurricanes: Byard et al. 2007

are sustainably different from the underlying financial version of the agency theory. It assumes that each stakeholder is a part of implicit and explicit contracts that can contribute to a corporation

implicit in the methodology but have been clarified through notes Web pages that facilitate dissemination Research highlights on the credit implications of ESG trends and factors ESG- specific conferences or

for repayment from 1 year to 2 years at the original interest rate and the condition to the withdraw the was comfortable 6 8. Opinions of the Audit Committee and/or the Directors of the Company having

for repayment from 1 year to 2 years at the original interest rate and the condition to the withdraw was comfortable 6 7. Opinions of the Audit Committee and/or the Directors of the Company having

comfortable triple digit territory.  IVL stands to benefit from margin expansion with the resumption of production of EO-EG since June 2017. The commercialization of the ethylene cracker scheduled for later

does not constitute an implicit or explicit investment advice. The information provided herein is general in nature and does not constitute an advertisement of financial products in Switzerland pursuant

regulations places on all market participants will not result in a lowering of volatility or even a reduction in future volatility as GR investors are comfortable making irrational decisions. V. Conclusion