Mois : janvier 2022

The U.S. model of dispute resolution is a high-conflict adversarial system. This may protect the interests of litigants in civil court, but tends to ignore the consequences of competition on any issue for families in the family law community. This encourages otherwise decent people to be obsessed with « winning » often at the expense of everyone involved, leading to a black hole of malicious and unproductive litigation. At Boyd Law, we understand that divorce and other legal issues can be unique. These situations require creative solutions and a tailor-made approach to meet your needs. Our divorce lawyers in Los Angeles have a proven track record and focus on understanding your ultimate goals to formulate the best options to achieve them. We pay personal attention and listen carefully to the case of each client. Divorce can be emotionally troubling and stressful. We are committed to upholding the highest standards of moral and ethical conduct while vigorously and effectively representing the interests of our clients. Use the Profile Contact Form to contact a California legal counsel.

Since family law has both federal and state components, the rules and regulations governing this area can be complex. Most law firms focus on divorce cases and related issues such as custody, asset division, and prenuptial agreements. They can also provide services in the areas of estate planning, adoptions, domestic violence and other family law matters. While some focus their efforts on a single area of practice, most accept cases in different topics. The services provided by a Los Angeles family attorney depend on the law firm, as well as the needs of each case and client. Our firm understands that not all cases have to be a high level of conflict, and we work with our clients to obtain customized solutions to their problems. If an agreement is impossible or unfavorable, we are also experienced litigators who are ready to fight for our clients. Laws vary from state to state and navigating them often requires the knowledge and expertise of an experienced attorney. Ultimately, we strive to develop the best legal strategy suitable in all cases, while staying away from tactics that would unnecessarily increase the cost of litigation. Our lawyers are responsive, prepared and aggressive from start to finish.

Boyd Law`s experienced family law lawyers in Los Angeles are experienced negotiators and litigants who are dedicated to protecting the rights and interests of their clients at the mediation table or courtroom. If you need legal help in the event of separation, divorce, spousal support, division of property, custody or child support, contact us today at (310) 777-0231. FindLaw`s Lawyer Directory is the largest online directory of lawyers. Browse over a million listings covering everything from divorce to DUI to labor law. Our lawyers know that it is often better for everyone involved if an agreement is able to resolve a family law issue. Whether it`s negotiating a marriage agreement, a joint custody agreement, a sole custody agreement for a child or a pet custody agreement, our lawyers have the knowledge and experience to achieve effective and efficient results for our clients. When it comes to a family law issue such as custody, asset division or divorce, having an experienced family law lawyer by your side can make a big difference. Our family law attorneys have helped families, parents, children, and outbound couples throughout California. Our experienced family law lawyers will fight to find a solution to your martial resolution Legal issues related to family law issues are quite complex and require a lot of time to resolve. We know that the emotional burden they require is impossible to quantify.

In our law firm, our solution is simple: get the best possible result as quickly as possible. Detailed profiles of law firms contain information such as the firm`s legal field, office location, office hours, and payment options. Lawyer profiles include a lawyer`s biography, education and training, as well as recommendations to help you decide who to hire. Taking into account the costs of litigation, we strive to develop the best legal strategy to achieve your goals without burdening the costs. When an agreement is possible – which is often the case – we are effective negotiators, often reaching a favourable settlement of entire cases without ever entering the courtroom. However, if a deal is impossible or unfavorable, we are also experienced litigants who are ready to fight. The right family law lawyer in Los Angeles can take care of any legal task and issue that comes your way during a case. Your lawyer will serve as a defense lawyer, lawyer, and confidant in a complicated legal case.

Whether it`s investigating an allegation against you or representing yourself in a difficult custody dispute, you can count on your lawyer to do what is necessary to serve your best interests. Hiring a lawyer in your area can bring many benefits. As you can see in the pie chart visualizations below, the percentage of households inhabited by married couples has decreased since 1970, but the percentage of non-family households has increased over the years. Our pie charts show households by type from 1970 to 2012. Our visualizations also show us that most of these changes or decreases in the percentage of family households occurred between 1970 and 1990. At Boyd Law, you`ll find a Los Angeles family law attorney who will guide you through all your legal options and answer any questions you may have about how different decisions might affect your future and your family`s future. Whether you need a custodial attorney or divorce attorney, are trying to prove paternity and are receiving child support, or don`t know exactly what might have to do with the impending dissolution of your marriage, your Los Angeles family law attorney at Boyd Law protects your rights and helps you pursue the right thing, and ensures that your best interests are always at the forefront of all proceedings. .

By this Agreement, the Partners enter into a partnership (the « Partnership ») in accordance with the laws of the State of New York. (f) No Partner may disclose or use in any way confidential Information of the Partnership or the Partnership Company to anyone except in connection with the conduct of the Partnership Business. This partnership ends with the death, bankruptcy or incompetence of a partner. In this case, if there are more than two partners in the company, the other partners act as trustees on behalf of the former partner and immediately enter into the affairs of the company, unless the other partners agree that they will continue the activities of the company. An advantage of a partnership is that the partnership`s income is taxed only once. The income of the partnership is distributed to the individual partners, who are then taxed on the income of the partnership. This contrasts with a corporation, where income is taxed at two levels: first as a corporation, and then at the shareholder level, where shareholders are taxed on all dividends they receive. The partners may indicate how the assets will be distributed among the partners in the event of dissolution. A partnership agreement establishes guidelines and rules that trading partners must follow in order to avoid disagreements or problems in the future. A business partnership agreement is a legal document signed between two or more parties (« Partners ») who wish to enter into an agreement to operate as a single entity. This business unit – a partnership unit between the two or more people acts as a legally recognized business unit.

In a business partnership, each of the partners shares the collective profits and losses of the company. Traditionally, each partner in a partnership is responsible for all debts and obligations of the business company, but there are some modern legal acts that also offer limited liability companies formed by a limited partnership agreement. A partnership agreement is a formal contract between two or more people who agree to jointly manage a for-profit business. Partnership agreements are necessary to establish the conditions that will help resolve future disputes. Whether you`re a contract lawyer or want to enter into a business partnership yourself, save time by drafting partnership agreements with our free partnership agreement PDF template. Simply enter all the details of the partnership in this simple form, and your partnership agreement template will automatically generate PDFs with partner information, contractual terms and legally binding electronic signatures. You can download and email these PDFs of the Partnership Agreement or print copies for future meetings. A receiver or similar third party who may acquire the shares of the separate partner in the partnership acquires only the economic rights and interests of that partner. The trustee does not acquire any other rights and the acquisition of the rights and economic interests of the shares of the dissociated partner does not constitute an inclusion in the company. The trustee may not have any voting rights and may not exercise any part of the management in the company. As agreed by the partners, profits and losses may be distributed by: Each partner has the right to manage the affairs of the company in the ordinary course of business.

However, no partners are allowed: Two or more people who run a for-profit business together, including family (spouse), friends or colleagues, should have a partnership agreement. The partnership agreement is a legal document that defines the legal structure of the corporate unit. It describes all the terms, responsibilities, ownership shares and shares in the profits and losses of the company and is essentially the set of rules according to which the business unit operates. If the partnership contract allows withdrawal, a partner may withdraw by mutual agreement as long as it complies with the notice period and other conditions set out in the agreement. If a partner wishes to resign, they can do so through a partnership withdrawal form. With our drag-and-drop PDF editor, you can customize this partnership agreement template to include the specific terms of your agreement, e.B. the duration of the partnership, ownership share, distribution of profits and losses, management liability, and what to do in the event of resignation or death. You can further customize the partnership agreement template by adding the official company logo or customizing the fonts and colors to match those of the company.

By taking care of your partnership agreements, you can spend less time processing legal documents and more time growing your business. (c) No Partner may pledge, assign, encumber or encumber such Partner`s shares in the Company (or any property, assets or business of the Company) without the prior written consent of the other Partners. Any decision or award resulting from the arbitration must be in writing and must include an explanation of all legal and factual conclusions and an assessment of reasonable costs, expenses and attorneys` fees. Such arbitration shall be conducted by an arbitrator agreed to by the Partners and shall include a written record of the arbitration hearing. The partners reserve the right to oppose any person employed by or affiliated with a competing organization or company. An arbitral award that binds the parties. The purchase price of the testator`s interest in the company is equal to the principal amount of the testator at the time of the testator`s death plus the testator`s income account at the end of the previous fiscal year plus the company`s profits and minus the company`s losses for the beginning of the fiscal year of death until the end of the calendar month of death. In addition, a joint partnership agreement form may also include the possibility of defining additional partners in the future with their respective shares and capital, as well as the ability to define management roles within the company.

Events leading to the involuntary withdrawal of a partner from the partnership include, but are not limited to: death, mental incapacity, disability that prevents adequate participation in the partnership, incompetence, breach of fiduciary duties, criminal conviction, eviction as of right, or any act or omission that can reasonably be expected to improve the business or social status of the partnership. discredited. LawDepot`s partnership agreement allows you to form a general partnership. A partnership is a business structure involving two or more general partners who have formed a for-profit corporation. Each Partner is also responsible for the debts and obligations of the company, as well as the shares of the other partners. Partnership agreements should focus on specific tax choices and select a partner to represent the partnership. The partnership representative serves as the figurehead for the partnership under the new tax rules. The partnership agreement may be amended after a written and unanimous vote of all partners to include new partners. The name of the partnership may be changed if a new partner is admitted to the partnership after a written and unanimous vote of all current partners. Each Partner hereby acknowledges and agrees that any business, undertaking or transaction that appears to have a conflict of interest must be fully disclosed to all other Partners. Failure to comply with any of the conditions of this clause will be dealt with accordingly by the remaining partners. With the agreement of all partners, the partnership can be dissolved.

In this case, the shareholders will proceed with reasonable speed to the liquidation of the company`s activities. .

Thank you for considering joining our trust. I am very proud to be CEO of the Brighter Futures Learning Partnership Trust. It is a privilege to work with passionate and like-minded colleagues who all strive to provide the best possible education for the children and youth of Doncaster. We are a multi-academy trust that is passionate about meeting the local needs of our community. We have a team of highly dedicated employees, governors, local businesses and fiduciaries who are committed to creating and implementing a world-class vision of trust. At the heart of our vision is the desire to create diverse and rich learning experiences and to ensure that we use evidence-based practices and a deep level of employer engagement to drive aspirations, combat disadvantage and provide world-class education. The focus is very clearly on academic excellence and quality of pastoral care to ensure that our children and young people are capable, confident and compassionate learners ready to face the economic and social challenges of the 21st century. Thank you for considering joining our trust. I am very proud to be CEO of the Brighter Futures Learning Partnership Trust.

It is a privilege to work with passionate and like-minded colleagues who are all focused on delivering the best education. The Brighter Futures Learning Partnership Trust (BFLPT) is the culmination of an already strong partnership between schools. Our vision is to create inspiring, challenging and relevant teaching and learning for the 21st century, in which every child and adolescent can develop their potential. We are also committed to developing an excellent pastoral care, which, as we know, is an essential element to ensure that each child can flourish, to develop the knowledge, skills and qualities that will allow him to have the widest possible choice of career paths. A popular section of our website is the Child Labour section, which showcases the talents of our students, while the Curriculum section keeps you updated on what your child will be learning this semester. We believe that through strong collaboration, we can deliver enriching and rewarding learning experiences that help young people develop the knowledge and skills they need to lead successful and fruitful lives, and foster a lifelong love of learning. At the heart of our vision is to develop exceptional nursing and academic outcomes through diverse and contextual learning experiences. We value the diversity of each educational institution, but we believe we are stronger together. A great vision is at the heart of the Brighter Futures Learning Partnership Trust.

Excellence is at the heart of everything we do, and with that in mind, we want to be one of the most powerful and unique trusts in the country, recognizing that every child is different. Therefore, our curriculum offering is designed to reflect the diversity of our learners and their needs if they want to excel and grow into the next generation of highly skilled learners and innovators. The Goals and Objectives of the Trust articulate our determination to support and challenge our schools to provide the best possible educational experience by having a creative and ambitious curriculum and the highest quality of leadership, learning and teaching. Creating this trust solidifies the strong relationships we have already forged through links with the Teaching School Alliance, Partners in Learning, Doncaster Research School and Doncaster University Technical College (DUTC). Our strong Board of Directors and local governors are committed to the Vision and Values of the Trust and have the highest standards. Doncaster University Technical College (UTC) is at the heart of the vision and will offer huge opportunities to enhance curriculum offerings and provide students with the right skills to support regional economic growth through the development of its distinctive employer-led curriculum. It is hoped that employer partnerships in education will form an innovative and innovative program model that will benefit our trust schools as well as informal educational partnerships within the broader school system. Being part of our trust offers you a fantastic opportunity to grow and have a strong impact on the outcomes of students in our school family, initially focusing on secondary education. We actively promote cooperation and the exchange of best practices; We believe that by developing a love of learning and the highest expectations, all children and young people can stand out. Or for more information, email recruitment@brighter-futures.org.uk, call 01782 406000 or visit our Facebook page.

We are unique in that our family of schools includes four primary schools, one primary school, one secondary school for 11-16 year olds and Doncaster UTC, which offers an unrivalled range of learning offerings and experiences. One of these schools is also designated as an educational institution and has a long history of supporting from school to school. We are truly committed to working collaboratively and sharing best practices, while understanding the need to maintain individual ethics and the strong sense of identity of our schools. We are committed to providing the best learning opportunities to promote the achievements of all children, youth and staff, as we believe it will allow them to grow as individuals and be the best they can be. The application deadline is January 4, 2022 at 9:00 am.m. Interviews will take place on January 10, 2022. The Brighter Futures Learning Partnership Trust in Doncaster was established to focus on more meaningful collaboration between schools for the benefit of all children and young people in our local communities. We reserve the right to close this vacancy prematurely if we receive an overwhelming response. All candidates are advised to refer to the job description and specifications of the person before applying. You can only apply for this position by visiting our website at www.hungerhillschool.com, where you will find our application form and email address for the application (CVs will not be viewed).

You must complete a complete application on our website to be considered for the position. Welcome to Dunsville Elementary School. We are a primary school that puts children at the centre of everything we do. Rental Support Worker – Programme-based hostels (32.4 hours per week) – Salary: £19,303.26 pro rata (£17,341.87 in fact). Clubhouse Network Support Worker – 12 hours per week – Prorated £18,775 per year As BFLPT, we promote diversity and applications are welcome from everyone, regardless of gender, sexuality, race, religion, marital status, age or disability. We will continue to celebrate each school`s unique identity, but we will also recognise the benefits of sharing best practices as well as leveraging the additional resources that partners from the Learning Teaching School Alliance and Doncaster Research Schools will bring to the Trust. .

A bond contract (or dissolution of bond) is essentially a contract between the issuer of the bond and the bondholder. In short, it assumes responsibility for the issuer of the bond and the benefits it has. In bankruptcy law, a surety can be used as proof of a claim on assets. Debt instruments typically contain details about secured assets, that is, a lender`s claim against a debtor that is typically secured by a lien on the debtor`s assets. The bond agreement is a contract that describes the issuer`s promise, the terms of the bond and the investor`s rights. A bond commitment agreement includes: A credit agreement is the underlying contractual agreement that describes all the co-terms and clauses related to a loan offer. In the case of unsecured and unsecured bond issues, these bonds may also be referred to as debt securities. The bond is the central legal document that the bond issuer and investors refer to when it comes to bond disputes. Maturity. Maturity date of the bond at which the nominal amount of the bond is paid to bondholders.

It sets out the provisions relating to when the issuer may redeem or recall the bond before the expiry date. In the early history of the United States, many European immigrants served a period of contract labor to pay for the cost of their transportation. This practice was common in the 17th and 18th centuries, when more than half of immigrants engaged in servitude for an average of three years. A bond contract is a legal document that records the bonds of the bond issuer and the benefits granted to the bondholder. Read 3 min In the bond market, there is rarely a reference to a bond in normal times. But the act becomes a reference document when certain events occur, for example when the issuer.B runs the risk of breaching a contract of obligation. The act is then scrutinized to ensure that there is no ambiguity in the calculation of the financial measures that determine whether the issuer is complying with the restrictive covenants. A binding contract is the contract associated with a link. The terms of a bond contract include a description of the characteristics of the bond, the restrictions imposed on the issuer, and the measures that are triggered if the issuer does not make timely payments. Therefore, an obligation is likely to contain the following clauses: This includes the calculation and method of calculation or their description of the interest that the holder of the obligation would receive. The issuer generates the bond deed.

The bond contains all the legal details of the bond issuer to give investors a clear picture. The bond contains information about the persons that bondholders must contact when the bond is called. It also describes the process by which the bondholder must present their certificate and receive compensation. It should be noted that the issuer does not issue the bond to individual bondholders. It would be quite a time-consuming and complex task if the bond issuer had to enter into a contract with all bondholders individually. To remedy this, the issuer issues the bond to a third party or a trustee representing the bondholders. In general, the trustee is a bank or financial institution. In some loan agreements, a trustee may be hired by a bond issuer.

If a trustee is involved, an escrow agreement is also required. An escrow contract is similar to a bond bond, except that it also describes the fiduciary`s responsibilities in overseeing all the terms of a bond issue. It describes the possible measures available to the bondholder in the event that the issuer is unable to make a timely payment. These measures could include increasing the interest rate, extending the maturity date, setting a cumulative interest liability and much more. At the time of issuance of the bond, the issuer issues the bond. This means that the deed is created before the bonds are issued. Once the issuer has received approval from the state and federal government for the amount and other things, the issuer must close a debenture. Commitment is a term that comes from England. In the United States, there may be different types of debt securities, all of which relate to debt agreements, real estate, or bankruptcies. These are the additional features of a link. Or it describes the scenario or options if the holder can convert the bond into common shares. It also describes the conversion multiple.

It includes all the details you can expect in any contract. For example, it bears the characteristics of the bond, the restriction (if any) to the issuer, the maturity, the repayment conditions, the measures in the event that the issuer is not able to comply with the payment terms, etc. This is the minimum period until which the issuer cannot replace, recall or repay the bond. The trustee is a bank or financial institution that holds the bond deed. Fiduciary roles are primarily the financial and legal support of bondholders. The main task of the trustee is to keep the funds until payment to the bondholders, to charge the issuer for interest and principal paymentsprinted repaymentsThe principal amount represents a significant part of the total loan amount. Aside from monthly payments, when a borrower pays part of the principal amount, the initial loan amount is directly reduced. Read More , convene meetings of bondholders to ensure that all conditions set out in the bond are properly complied with by the issuer.

To better understand engagement, let`s take an example. Suppose Company A wants to issue bonds worth $1 million. In such a case, some of the commonalities that the act would contain are the following: Although other evidence suggests that the method has been used since about the year 1000, the first surviving examples in England date back to the thirteenth century. These are agreements for military service that prove that there was a paid contract army at that time. [1] Treasury archives of Henry V`s French campaign of 1415 (the Agincourt campaign), including the commitments of all army captains who agreed to indicate a certain number of men and at what price, can still be read. [3] A bond was commonly used as a form of contract or sealed agreement for land and buildings. An example of such use can be found in the National Archives, where a deed of engagement dating from around 1401 is kept, which records the transfer of pinley manor, Warwickshire. [4] It indicates the date on which the bond matures. Or, we can say, this is the date on which bondholders recover the principal amount of the bond.

The bond is issued during the bond issuance process, when bond issuers receive approval from both the state and the federal government to issue bonds to the public. Once an agreed amount of bonds has been approved by the relevant government agency, the bond-issuing company must enter into a bond agreement. Bonds are not issued to individual bondholders. It would be completely unrealistic for a company to try to enter into a contract with each bondholder. For this reason, the bond is actually pledged to a trustee or third party representing the bondholders. The trustee is usually a bank or other financial institution. If the Company violates the agreement set forth in the duty agreement, the trustee may sue the company for the conduct of the dutyholders. .

In a securities financial collateral arrangement, a collateral provider creates a security right in a financial collateral to secure amounts owed to a collateral taker. The agreement does not have to be strictly bilateral. Not all business loans are created equal. Some are unionized and others are bilateral. A syndicated commercial loan is a loan agreement between an individual and several different lenders. A bilateral business loan is a loan agreement between an individual and a lender. While syndicated loans are the most commonly seen type of loan in the business world, bilateral loans also have their advantages. Let`s take a closer look at each type of loan so that potential borrowers can understand which one is best for them. A bilateral loan is a loan from a single lender to a borrower. Bilateral loans are granted under bilateral facility agreements and are generally simpler than syndicated loans. The peculiarity of a bilateral loan is that it is a one-stop loan. However, multiple borrowers may be parties to a bilateral facility, and in some transactions, a borrower may have two or more bilateral loan agreements with different lenders. Business loans can be divided into two broad categories of loans: bilateral loans and syndicated loans.

The difference between bilateral and syndicated loans is the number of lenders involved. Bilateral loans involve a single lender, while syndicated loans have multiple lenders. Syndicated lending is a form of lending activity in which two or more lenders jointly lend to one or more borrowers on the same credit terms and with different obligations and sign the same loan agreement. Typically, a bank is designated as an agency bank to manage the lending activity on behalf of the members of the syndicate. Under the Financial Collateral Arrangements Regulations, neither the consent of the administrator nor the permission of the court is required to enforce a security right. In addition, a company`s preferred creditors are not paid in priority for the claims of a variable commission holder when the variable commission is created under a financial collateral arrangement. These loans are most often used by small business owners who want to start or grow a business. There is no limit to the amount of financing by this type of loan, but depending on the exact amount, the funds may have to come from more than one location.

The terms of the loan vary depending on the lender, the amount of the loan and the creditworthiness of the borrower. Specific loan terms can be a revolving line of credit, such as a credit card, an overdraft facility that has a higher interest rate but offers more flexibility, or a term loan. A key legal difference between syndicated and bilateral loans is that the obligations of syndicated lenders are multiple. If a lender fails to meet its obligations, the other lenders are not liable. In other words, a lender is only liable for its own obligations. In the case of a bilateral loan, the lender is responsible for the entire loan. In the case of a bilateral business loan, the only two parties are the lender and the borrower. Instead of multiple lenders, the borrower negotiates directly with the bank and saves money by not having to hire people to find the lender. These loans are not that expensive for the borrower because the lender does not take much risk.

Since the loan is not so complex, the credit terms can be clearly set by the lender. This is another reason why loans are cheaper. Bilateral credit facilities The amount drawn under the combined bilateral credit facilities was US$268.0 million and US$75.0 million as at September 30, 2015 and March 31, 2015, respectively. A bilateral loan is a loan granted by a single lender to a borrower under the terms of a credit agreement. Our banking lawyers have many years of experience on both sides of transactions and can advise you competently, whether you are a borrower, lender, investor or bank. In general, a syndicated business loan is better suited for large companies or large expenses, while a two-way loan is better suited for small businesses. Bilateral Credit Facilities As at June 30, 2015, the Company`s bilateral credit facilities consisted of: F-9 James Hardie Industries plc Notes to condensed consolidated financial statements (continued) The amount drawn for the combined bilateral credit facilities was $60.0 million and $75.0 million, respectively, as at June 30, 2015 and March 31, 2015. The advantage of a bilateral revolving facility for a borrower is that it offers flexibility on the amount of money borrowed. A borrower can claim money if necessary and pay interest on the money drawn. If the money is no longer needed, a borrower can repay the money and reduce their interest payments. The main advantage of bilateral lending is that the bank offers a relatively independent, flexible and tailor-made system for the borrower.

Bilateral Credit Facilities As of March 31, 2015, the Company`s credit facilities were outstanding: The amount drawn under the combined credit facilities was nil as at March 31, 2015 and 2014, respectively. In the case of a bilateral loan, a borrower`s main point of contact is the lender. On the other hand, in the case of a syndicated loan, the first point of contact for a borrower is the main manager or arranger. .

If your providers are not on the network, you are responsible for obtaining prior authorization. If you don`t, we may not cover the costs. To make sure your provider is on the network, see Provider Finder®. Prior approval may be required by the medical management of BCBSTX, eviCore® healthcare, AIM specialty Health® or Magellan Healthcare®. Here you can check how to submit each application as well as statistical data. It then completes the pre-approval and sends the results to the provider. If you have any questions about the answer, contact BCBSTX Medical Management or the authoritative provider. If you do not obtain pre-approval through the pre-approval process for services and drugs on our pre-approval lists: Pre-approval or rejection statistics from the previous calendar year for fully insured members are available for review: Typically, your health care providers take care of the pre-approval before providing a service. However, it`s always a good idea to check if your suppliers have the necessary approval. It is important that providers use Availability® or your preferred provider to verify eligibility and benefits, determine if you are on the network for your patient, and whether prior approval or pre-registration is required. With availability, you can use the procedure code to determine whether pre-approval is required. For more information about availability, see « Eligibility and Benefits » on the provider`s website.

Use the search below to find out if you need pre-approval or not. Your procedure can fall into one of the 3 categories listed below. Check with us to see if your provider has requested prior authorization before using the services. Typically, the provider is responsible for requesting prior authorization before performing a service if the member sees a provider in the network. Sometimes a plan may require the member to apply for prior authorization for services. Information for members can be found on our members page. Significant changes have been made to pre-approval requirements for members with Blue Choice PPOSM, Blue EssentialsSM, Blue Advantage HMOSM and Blue PremierSM. In addition, we are implementing our new MyBlue Health targeted network as of January 1, 2020. The pre-approval requirements for MyBlue Health are the same as our HMO Blue Advantage plan. Sometimes you may need to get approval from Blue Cross and Blue Shield of Texas (BCBSTX) before we cover certain inpatient, outpatient and home health services, as well as prescription medications. This is called pre-approval, pre-authorization or pre-approval. These terms all refer to the requirements you may need to complete before treatment can begin.

What`s New: Blue Cross and Blue Shield of Texas (BCBSTX) will update their lists of process codes that require prior approval for certain business members to reflect codes that are new, replaced, or removed due to usage management or American Medical Association (AMA) updates. To view Blue Plan medical policies outside the region or general information on pre-certification or pre-authorization, please select the type of information requested, enter the first three characters of the member`s identification number on the Blue Cross Blue Shield ID card and click « GO ». If your doctor has not asked for prior authorization, you can request it. Call the number on your BCBSTX membership card and our customer service will help you get started. Verify eligibility and benefits: To determine if a service requires prior approval for our members, check eligibility and benefits through Availity® or your preferred provider. Renewal of an existing pre-approval may be requested up to 60 days prior to the expiration of existing BCBSTX contracts with third-party providers, including AIM Specialty Health® (AIM), eviCore® healthcare and Magellan Healthcare, for certain pre-approval services. Most off-grid services require a usage management review. If the provider or member does not receive prior approval for services outside the network, the claim may be denied. Emergency services are an exception. We may also conduct a post-service usage management review if you do not obtain the required prior approval before providing the Services. If the service required prior approval for a Medicare or Medicaid member, the claim will be denied without verification under the service *Code E1399 may require prior approval from BCBSTX medical management, depending on the description of the unlisted EMR.

If you want to view health data statistics for pre-approval, click the appropriate button to search below. For best results, use Google Chrome. Health care providers must first obtain eligibility and benefits through® Availability or a preferred provider to confirm membership, verify coverage, determine if you are on the network for the member/participant`s policy, determine if prior approval is required and where to submit the application. Availability® allows you to determine pre-approval by process code, and vendors can submit availability requests using the Authorization and Reference tool. Learn more about eligibility, benefits and availability. What`s New: On January 1, 2021, Blue Cross and Blue Shield of Texas (BCBSTX) will update their list of CPT® codes (current procedural terminology) that require prior approval to reflect changes due to new, replaced, or deleted codes implemented by the American Medical Association (AMA) and BCBSTX usage management updates. You or your supplier can request an extension of a pre-approval up to 60 days before expiration. To see the full list of the history of all previous authorization data, click below to download a copy. You can view data from the last 3 years. Important Update to the HealthSelect of Texas® Pre-Authorization Procedure Code: Effective September 1, 2021, the following procedural codes will be removed from the list of services requiring prior approval. Payment may be declined if you perform procedures without authorization.

In this case, you will not be able to bill your patients. Services requiring prior approval from BCBSTX Medical Management As a reminder, it is important to verify eligibility and services before providing services. This step will help you determine if prior approval is required for a member. For more information, such as definitions and links to useful resources, see the Permissions and Benefits section of the BCBSTX provider website. For more information: A revised list of codes published on 1. Starting in January 2021, you will find the « Pre-Approval » section of our supplier website. For more information on CPT code updates, visit WADA`s website. We may also conduct a post-service usage management review if you or your provider do not obtain the required prior authorization before receiving the services. The procedures or services listed below may require prior approval or notification from BCBSTX Medical Management or another named supplier for specific named groups. *To see if you are fully insured, check your membership card. « TDI » will be printed on your card when you are fully insured.

If « TDI » is not printed, check your performance brochure to see your list of services that require prior approval. If you have any questions, please call the customer service number on your BCBSTX membership card and view details of the number of pre-submitted, approved and denied approvals. To see the full list of services and medications that require pre-approval, click below to download a copy of the table. Unless otherwise specified, these pre-approval requirements will apply from 1 January 2022. Get pre-approval/pre-notification as follows: The following describes the process that suppliers perform to submit requests for prior authorizations or pre-notifications. Pre-approvals are a review of medical necessity prior to service. Pre-approval is the process by which we review the requested service or medication to determine if it is medically necessary and covered by the member`s health insurance plan. .

The most common use of a safety net is when subscribing to share issues or initial public offerings (IPOs)Initial Public Offering (IPO)An initial Public Offering (IPO) is the first sale of shares issued to the public by a company. Before an IPO, a company is considered a private company, usually with a small number of investors (founders, friends, family and business investors such as venture capitalists or angel investors). Find out what an IPO is. During an IPO, a company that wishes to raise equity issues its shares to the public. The issues are subscribed by an investment bank or a group of investment banks. A safety net is a financial arrangement that creates a secondary source of funding in the event that the primary source is insufficient to meet current needs. It can also be considered as an insurance policy that covers the insufficiency of a source of funds. The European Council published a report on the monitoring of risk mitigation indicators and announced the Eurogroup`s agreement to continue the reform of the European Stability Mechanism and the entry into force of the common backstop for the Single Resolution Fund by early 2022. Board Vice-Chair Jan Reinder De Carpentier welcomed the Eurogroup`s agreement on the swift introduction of a common backstop for the Single Resolution Fund. The previous commitment was to introduce the joint backstop before the end of 2023. The Eurogroup statement mentions that the common backstop for the Single Resolution Fund will take the form of a credit line from the European Stability Mechanism, which will replace the direct recapitalisation tool and provide a financial safety net for bank resolution in the Banking Union. The private equity firm applies such a strategy with a significant potential loss to itself.

This is important because it is important to use more debt over equity in an LBO strategy. Therefore, a comprehensive fairness safety net typically uses an aggressive position tool in negotiationsdebate tactics negotiation is a dialogue between two or more people with the aim of reaching consensus on one or more issues where conflicts exist. Good negotiation tactics are important so that the negotiating parties know that their side will win or create a win-win situation for both sides. make the transaction more attractive to the target company and increase the stakes for the competition. Such an agreement is provided in exchange for a safety net fee, which is usually charged as a percentage of the total expense. If a company is unable to sell all of its shares to the public, the underwriter will provide a safety net provision. Under the provision, the underwriter purchases the remaining shares that have not been purchased by the public. Unless expressly stated otherwise in this condition sheet, the terms set forth in the Safety Net Facility documents shall be substantially equivalent to those set forth in the Company`s existing $750 million five-year credit facility. (e) Buy entirely for your own account. This Contract is concluded with the Buyer on the basis of the Buyer`s insurance to the Company, which the Buyer hereby confirms by the Buyer`s Performance of this Contract that the securities to be purchased by the Buyer for the investment will be acquired for the investment on the Buyer`s own account, and not as a nominee or agent and not for the purpose of reselling or distributing any part thereof.

and that the buyer does not currently intend to sell, participate in or distribute them illegally. By signing this Agreement, Buyer further represents that Buyer does not currently have any contract, promise, agreement or arrangement with any person to sell, transfer or grant interest to such person or any third party with respect to the Securities. If the purchaser was trained for the specific purpose of acquiring the securities, each of its shareholders is a qualified investor within the meaning of Rule 501(a) of Regulation D, which was enacted under the Securities Act. For the purposes of this Agreement, the term « Person » means an individual, limited liability company, partnership, joint venture, corporation, trust, organization without its own legal personality, another legal entity, or any government or department or agency thereof. A revolving credit facilityA new credit facilityA revolving credit facility is a line of credit agreed between a bank and a business. It comes with a fixed maximum amount, and that can be used as a safety net to address any shortage of funds that may arise in the short term. (c) Entire Agreement. This Agreement, together with all documents, tools and writings provided hereunder or to which reference is made, constitutes the entire agreement and understanding of the parties with respect to the subject matter of this Agreement and supersedes all prior written or oral agreements, understandings or representations by or between the parties to the extent that they relate in any way to the subject matter of this Agreement. or the agreement.

the transactions contemplated herein. CONSIDERING that Buyer expects to enter into (or has entered into) an agreement with any CC PSPC other than the Company (each, an « Other PSPC ») in the form of this Agreement (except with respect to amendments that would not affect the Company`s rights, which, for the avoidance of doubt, would include provisions more favourable to the Other PSPC with respect to the limitation of use or priority of use), the purchaser`s acquisition of common shares of these other PSPC to finance the shareholder buybacks of these other PSPC (each, an « alternative safety net agreement »). If the underwriting organization takes possession of shares, as set out in the agreement, the shares belong to the corporation to be managed at its sole discretion. Shares are treated in the same way as any other investment acquired in the course of normal market activity. The issuing company may not impose any restrictions on the trading of shares. The subscribing organization may hold or sell the related securities in accordance with the regulations that govern the activity as a whole. Imagine a company that wants to raise equity and issue 500 shares. Of the 500, only 400 shares are bought by the public. If the company does not have a safety net agreement, it will have to work with a smaller amount.

The safety net can take different forms in different contexts. Here are three applications that will be covered in detail in the following sections: For example, in the following table, the company faces a $1,000 shortage in year 3. The Company may use the revolving credit facility as a secondary source of financing to borrow $1,000 and meet all financial obligations for the year. Therefore, a revolving credit facility serves as a safety net for the company`s short-term financing needs. (p) no other representations or warranties; Non-trust. Except for the specific representations and warranties contained in this Section 3 and in any certificate or agreement provided hereunder, neither Buyer nor any person acting on Buyer`s behalf, nor any of Buyer`s affiliates (the « Buying Parties ») have made any other representations or warranties, express or implied, with respect to Buyer and the sale and purchase of the Securities; or is considered as such. and the purchasing parties disclaim all representations or warranties. Except for the specific representations and warranties expressly made by the Company in Section 4 of this Agreement and in any certificate or agreement provided under this Agreement, the Purchasing Parties expressly disclaim any other representations or warranties that may be made by the Company, any person acting on behalf of the Company or any of the Company`s affiliates (collectively, « Corporate Parties »). Notwithstanding anything to the contrary in this Agreement, nothing in this Section 3(p) limits any claim or cause of action (or collection in connection therewith) relating to fraud. (a) Limitation of Use.

CONSIDERING that an allocation of buyer`s promised capital of $300,000,000.00 (the « Initial Allocation Amount », the amount of which may be increased in accordance with Article 1(a)) has been made to secure the redemptions of each CC CCPC on a first-come, first-served basis, in accordance with the provisions of this Contract; A private equity safety net, also known as a full safety net, is an agreement by which a private equity firm agrees to buy the target company by contributing up to 100% equity in case it does not raise the debt needed to finance the purchase. .

Shimla Agreement and Lahore Declaration for UPSC: Understanding the Key Points

The Shimla Agreement and Lahore Declaration are two significant milestones in the history of India-Pakistan relations. These agreements have shaped the bilateral relationship between the two countries, and their understanding is important for those appearing for the UPSC exam. In this article, we will take a closer look at the Shimla Agreement and Lahore Declaration and their key points.

Shimla Agreement

The Shimla Agreement, signed in 1972, was a bilateral agreement between India and Pakistan. The agreement came into force after the 1971 war between the two countries. Here are some of the key points of the Shimla Agreement:

1. The agreement declared that India and Pakistan would resolve their disputes through peaceful means and bilateral negotiations.

2. The agreement established a Line of Control (LOC) in Jammu and Kashmir that both countries would respect.

3. Both India and Pakistan agreed to withdraw their troops to their respective sides of the newly established LOC.

4. The agreement also called for the release of all prisoners of war (POWs) and the return of the captured territory.

5. India agreed to provide humanitarian aid to Pakistan, which had suffered significant loss during the war.

Lahore Declaration

The Lahore Declaration was signed during the historic visit of the then Indian Prime Minister Atal Bihari Vajpayee to Pakistan in 1999. The declaration aimed to improve the strained relationship between the two countries. Here are some of the key points of the Lahore Declaration:

1. Both countries agreed to intensify their efforts to resolve the Kashmir issue through peaceful means.

2. The declaration emphasized the need for people-to-people contact between India and Pakistan and called for increased trade and economic ties.

3. Both countries agreed to take measures to prevent any terrorist activities on their soil.

4. The declaration emphasized the need for a nuclear-free South Asia.

Why are Shimla Agreement and Lahore Declaration important for the UPSC exam?

The Shimla Agreement and Lahore Declaration are important for the UPSC exam for multiple reasons. Firstly, they are significant milestones in the history of India-Pakistan relations and have shaped the bilateral relationship between the two countries. Secondly, they provide insight into the diplomatic efforts made by India and Pakistan to resolve their disputes. Thirdly, the Shimla Agreement and Lahore Declaration are relevant in the context of India`s foreign policy and its relationship with its neighbors.

In conclusion, the Shimla Agreement and Lahore Declaration are two key agreements in the history of India-Pakistan relations. Their understanding is important for those appearing for the UPSC exam, as they provide insight into the diplomatic efforts made by the two countries to resolve their disputes and their relevance to the context of India`s foreign policy.

As for the first item listed above, Audi regularly offers special rental offers listed on its main website. Prestige Imports also offers exclusive Audi leasing special offers to our customers. With multiple leasing and financing options from Audi Financial Services, it`s never been easier to put an Audi in your driveway. We`re here to help you decide which option best suits your lifestyle so you can enjoy the exciting sophistication of being behind the wheel of a world-class driving machine. Whether you opt for a vehicle with a certain number of times and miles or decide to take full ownership of it and pay for it over time, we have an option for you. 2) Find your vehicle and compare offers: Once you have narrowed down the cars to certain candidates, call the internet manager or send an email to check if the car has the options you want. Ask for additional fees that may not be included in the listing. Be sure to let your dealer`s contacts know about any current rental special offers and see if they give you that price. You should easily be able to get four to six dealer quotes in an hour. Not all of the cars described fit your ideal setup, so you may need to be flexible in terms of options and colors to get the best deal. You may be approaching the end of your lease and we hope that the last few years with your Audi have exceeded your expectations. We look forward to continuing to grow our relationship in the future, so let`s help make it an easy transition. Many leases last about three years, which is usually the length of many new car warranties, from bumper to bumper.

This means that the car is usually covered by the warranty for repairs during the rental period. Of course, the latest statement « Do you take care of your car? » needs to be considered more comprehensively. Because in reality, « taking care of your car » means different things to different people; and, frankly, your interpretation of that term could change your decision to buy or rent. That way, you might say? Well, in an article published about the United States. News & World Report, Liz Opsitnik mentions: Do you take care of your car? No, it`s not a trick question, but you know your habits better than I do. Is your car experiencing bumps, scratches and other damage at an alarming rate? Do you have a history of spilling food, coffee, mulch, body parts, etc. into your home? If you return a rented car in a worse condition than if you had it, be prepared to be stung for every little thing. If you see your vehicle as a « beast of burden » rather than an expression of yourself, leasing is not for you. Ownership: If you rent a vehicle, you do not own it. You pay to use it for the duration of your lease so you can drive the latest models. Lease End Process: At the end of the lease, you have the option to return your leased vehicle to your dealer, purchase it at a predetermined price, or purchase or lease a new Audi vehicle. Have you recently been affected by a natural disaster? Please contact Audi Financial Services to discuss how we can help you.

Log in to myAudi to send us a secure message or call (888) 237-2834. Renting a vehicle allows you to drive the latest models without committing to own it. With a variety of rental options, you can choose the duration and mileage that best suits your lifestyle and payment needs. For this purpose, you must pay the « residual value » and « call option fees », the value of which will be indicated in your lease agreement. Once you know these numbers, look for the dealer and wholesale values of your car. Is it more, less or equivalent to the price offered to you? In addition, one of the advantages of buying your lease is the possibility of obtaining certified pre-owned owner status, which can increase the resale value. In general, if you think you could keep the car you`re renting, buying (instead of renting) might be your best option. 4) Take delivery: After signing the papers, let the seller go around the vehicle with you.

Make sure there are no scratches, bumps or bumps. Be sure to get an instruction manual, a spare key, and a copy of the rental agreement. Most dealers add a full tank and car details, so make sure this has been done. Now it`s also time to ask questions about the vehicle at the last minute. Ask the seller everything you want to know, from pairing your phone with the vehicle via Bluetooth to using the navigation system. Once the lease of your Audi expires (the lease term is usually 36-42 months), you will need to rethink your position in terms of transportation options. First, you may need to opt for applicable fees such as excessive wear and tear, unpaid payments, other fees listed in your lease that have not been paid, excess mileage fees, and government fees. However, if you decide to rent another vehicle, these fees may be reduced or waived. Ultimately, there are many variables regarding your fees, so you`ll want to know what you`re responsible for (and what you`re not responsible for) when negotiating your lease. You can also choose not to enter into another lease agreement with the dealer.

In this case, you are subject to an Audi « disposition fee », which arises if the renter (i.e. You) « does not rent or purchase a new or pre-owned Audi certified via AFS within 90 days of delivery ». However, since you initially chose to rent a vehicle, you can choose to rent another vehicle with Prestige Imports. Link your Audi Financial Services account in myAudi.Si you finance or rent with Audi Financial Services, you can easily link your account to myAudi to manage your payments, view your account and much more. myAudi allows you to see everything in one place. Create a myAudi account and log in to get started. Visit your « My Account » portal near the end of your period to get all your end-of-lease options. If you like to have the latest high-tech features, renting might be the best choice for you. Since you rent every few years, every new car you rent has the latest and greatest technology and safety features. With a rented car, you don`t have to worry about selling the car or getting a good price for your trade-in. When the lease has expired, you can simply drop off the car and leave. To this end, some initial assessments seem pretty obvious: buying a vehicle requires higher monthly payments; So if you can`t afford these payments, you`re more inclined to rent a vehicle.

Of course, the number of commas and zeros you have in your bank account isn`t the only factor influencing your decision to buy or lease a vehicle. Yes, there are also other factors to consider. Your car is an extension of yours. Shouldn`t your financial services company be too? At Audi Financial Services, we believe that buying a car should be more than just seamless and exciting, but a complete Audi experience. We combine our heritage with world-class expertise to provide you with unparalleled service – from financing or leasing to your next dream vehicle. Whether you`re ready to complete your online application or just want to learn more about our financing options or need to manage your account and view end-of-lease options, we`re here for you every step of the way. There is also the option to buy the car you rented once your contract expires. Usually, this happens when you want to « fall in love » with the vehicle and continue your relationship with it. Of course, before you decide whether or not to buy the car at the end of your rental, you need to « break the numbers, » so to speak, to make sure that decision makes the most sense for you. As stated in the article on the bank rate « The weak points of buying your rented car »: 3) Check the lease: Agree that the vehicle will be delivered to your home or place of work, whichever suits you best. In the meantime, call your insurance company and let your agent or customer service representative know that you need coverage for your new car. Once the car arrives, take a close look at the rental agreement and make sure your personal information is correct.

You don`t need to read the whole thing from top to bottom, but pay attention to important lease-specific details such as: the duration of the lease in months, the amount due at signing, the number of miles allowed per year, the monthly payment (including taxes and all fees) and the inclusion of gap insurance. Wear and tear: A normal amount of wear and tear is covered by your rental agreement. But bumps, joints or broken glass can happen to even the most conscientious driver. Additional charges apply in case of excessive wear and tear and use at the end of your rental period. In our optional vehicle protection plans, you`ll find service contracts that can help you avoid potential overhead wear and tear. It is also important when reviewing your lease (i.e. before signing it) to be 100% sure of what each clause in the lease means. .

(c) comply with the shipping conditions set out in the rules of origin of the Asia-Pacific Trade Agreement. As a general rule, products must be dispatched directly from the exporting country to the country of destination within the meaning of Rule 6 of this Regulation. Products which satisfy the origin requirements laid down in Rule 2 and which are used by a participating State as an advance for a finished product eligible for preferential treatment by another participating State shall be considered as originating in the territory of the participating State in which the finished product has been worked or processed, provided that the total content originating in the territory of the participating States is at least 60 per cent of its f.o.b. Value. Products subject to preferential trade under the Agreement and imported into the territory of a participating State from another participating State and dispatched directly within the meaning of Rule 6 of this Agreement may benefit from preferential concessions if they satisfy the origin requirements under one of the following conditions: 3. In the case of products, the letter `D` shall be entered in box 8; which meet the specific origin criteria set out in Rule 11. 1. For products meeting the origin criteria laid down in Rule 4, the letter `B` shall be entered in box 8. The indication of the letter « B » shall be followed by the sum of the value of the materials, parts or products originating in non-participating States or of the undetermined origin used, expressed as a percentage of the .b. the value of the products; (Example « B » 50 per cent); (a) for the purposes of Rule 2(b), processed or processed products in respect of which the total value of the materials, parts or products used from non-participating States or of undetermined origin does not exceed 55 % .b of the foo.b value of the products obtained or obtained and whose final production is carried out in the territory of the exporting participating State shall be eligible for preferential concessions; subject to the provisions of Rule 4 (c), (d) and (e). (h) parts or raw materials obtained therefrom from used articles which can no longer fulfil their original function or which are no longer capable of fulfilling their original function; and that they meet the origin requirements laid down for those goods in the Asia-Pacific Trade Agreement for the export of the goods referred to in point (a). Any participating State may prohibit the importation of products containing inputs originating in States with which it does not have economic and commercial relations. Products originating in the least developed participating States may be granted a benefit of 10 percentage points applied to the percentages laid down in Rules 4 and 5.

Thus, for Rule 4, the percentage would not exceed 65% and for Rule 5, the percentage would not be less than 50%. (b) comply with the rules of origin of the Asia-Pacific Trade Agreement. Each item in a shipment must apply separately in itself; and (e) Whether or not the requirements of Rule 2 (b) are met, the following operations or procedures shall be considered insufficient to confer the status of originating goods: the term « exporter » means the consignor, who may be either a distributor or a manufacturer. Enter the name of the country of production and the country of import, as well as the place and date of the declaration. This field must be signed by the company`s signing authority. (i) used objects collected there which cannot fulfil their original function there, may be restored or repaired and which may be disposed of or recovered only for parts or raw materials; (ii) the products have not entered into commerce or consumption; and when determining the origin of products, it must be assumed that the packaging with the product they contain forms a whole. However, packaging may be treated separately if required by national law. (b) Participating States shall do their utmost to cooperate in indicating the origin of the inputs contained in the certificate of origin. APTA is a preferential trade regime for the progressive liberalization and expansion of merchandise trade in the Economic and Social Commission for Asia and the Pacific (ESCAP) region through the liberalization of tariff and non-tariff barriers. Currently, Bangladesh, Sri Lanka, South Korea, India and China exchange tariff concessions under APTA.

Mongolia joined APTA at the 43rd Permanent Session in May 2014. (c) The formula for calculating the content of non-originating materials and their requirements for obtaining originating status under Rule 3(a) is as follows: Is the information provided here part of the online training for the import of originating goods under the Asia-Pacific Trade Agreement (APTA) eligible? This article explains the details of the offices allowed in India to obtain a Certificate of Origin under the Asia-Pacific Trade Agreement (APTA) On this website, some articles have been written about the Certificate of Origin and its importance in international business. Some of them are – Why do you need a certificate of origin? How do I get APS – Certificate of Origin? Can the bill of lading (BL) be earlier than the date of the GSP Certificate of Origin? There are two main categories of bodies involved in issuing certificates of origin to exporters: bodies involved in the issue of a reference certificate of origin and bodies authorised to issue a non-preferential certificate of origin. A detailed article on the bodies entitled to issue a non-preferential certificate of origin has been discussed on this website. Now let`s talk about the offices authorized to issue certificates of origin under the Asia-Pacific Trade Agreement (APTA). Who are the offices authorized in India to issue certificates of origin under the Asia-Pacific Trade Agreement (APTA)? Asia-Pacific Trade Agreement (APTA) APTA is a preferential trade agreement for the progressive liberalization and expansion of merchandise trade in the Economic and Social Commission for Asia and the Pacific (ESCAP) region through the liberalization of tariff and non-tariff barriers. Currently, Bangladesh, Sri Lanka, South Korea, India and China exchange tariff concessions under APTA. Mongolia joined APTA at the 43rd Permanent Session in May 2014.

]]> The following bodies are authorized to issue certificates of origin (preferential) under the Asia-Pacific Trade Agreement (APTA). LIST OF BODIES AUTHORIZED TO ISSUE CERTIFICATES OF ORIGIN FOR SAPTA AND THE ASIA-PACIFIC TRADE AGREEMENT (APTA) S.No. Address S.No. Address 1. Processed Agricultural and Food Products Exports Development Authority 3rd Floor, NCUI Building 3, Siri Institutional Area August KrantiMarg (Opp. . . .