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F5\/s9XCNR1uN\/AxTKs3WvWkdlU7cCiV5Zv5L+e+Iz8kNRstXuIBMKEoNJuW9iBEaiBD7GUrJUA8K54DZlvngEyrwjEkdxY4yR02YTXK5RtRVWEND6RpPmTI+ZAi50O\/cgcSQq4Bw6BQKsFvYE+WbGhpDJOInEljC5g7DH0mjmkzwx5b0QnTmsAs0b9QQYMnwLRFrUoOPbPsfIPzwCkoA6uJ7T8lig+dB0LIiZjRQ3YWOEmJn8WbklDLKd42uTG6\/2PkqThEnuDVQjspPSXyIyCIZ6WHPcxpkjF0PaaaB2cpqGcvpG0b3Gv212tvY2leAhYhsyjMeAgniT1C0rUaJms1Klur4UvWaoRXY8GoRwJNRgXuxaxB4k23GhVQO\/2mo2Z64Omq550LDa\/ghTvUDo\/HqZqTm3mYEQyHMWUfuLY43brM4MYVY+L6QrFEkDAdzsg477r3V6bf\/otKLrzB+gkMQEXuPULGOfR2h9oYUHkXn8YrgJTrT7OdwqmE2hinE2MgElIEgK\/XmxOSKk1P9GSWYi44bewjaZof1cY+isY+po3Neh+Fg+k5FQ1GcBTWtG3V23r9W7OJfzZ+40t4ctwEXUYRimJMrq+d6OnwzmlxfLiOwLjM+72Vp\/tnz6CKsOsOtdvOXjfZ6F31YHuht9408zqVz7JKuvq3QkN5oXEL0bPG+qcXGOtnmWAJqHGyR8gsAfqJRIdZ72TbXP8EopEd+L5QOnzO9GVFA33rMLXQZz9BP\/eUmuEZTpV0clYR\/T6lMTvx3QmnKBeRNcmUgKVftc9S\/fAZdFOZjy0\/06ePyaEj2nE+Gnvq0cgiTdM6ihKoWACVqGf1K07+Yw+p3VMtwitfS4\/2BduSEAYjw6aex0VvU8iDzIiCeZyOYUGa5uIoTMawkCsT9hZ9XjXueX28yj2Wcdox6PY916d8iLmjnyUq5g6A8l1v\/GxjUWUBaAGVSzph4AJKBTMaKdtEIi+AqsCyoi2WxRyFUYGCSrOwEDO2e+Myuev\/f9CTnJdHLTim+EJZ\/FhpPXfcGcLmY4VujblhJhoVC3H7IFhrAg\/KQQFJHzmhmOYs348KaWF8UzzmD9WofBC2FTnQCY0mUp3lk14PibEJv169VFnGbIT7elqSQTGlQ+WTU9WCg3A\/4\/GUNE2aHbhp4mbi92i\/1+orXKmgdCt6P4aWDzZHxfGWN9HsmzlFG5ENm485QEZiRa3n2rdUx1450yGSW\/6Zunl9h1YOnUd51K1XfI+EEOVE1pChDqp9XZz+u8af9Jrr1+gipBGrgUstnaM2kqsbVo5tgLAZ5gZW3m8M3ipVX+qo9nV62Prt36iN3tPFNK51meU7VuTEyQfTysHbw4UXIS6siKVgvmDLgmhOK5XkgvCxnd+HXP4YssaC\/4GdP6w\/SpHgL65hXwhNe+NXvBqS5CFXpPGrNO6Npcq9sQANfP1XaC55l7YqBI16683xtiCDV9AIWAJ5C418ncavm0cp1sBgMynrV30o5BYz+c6CkIyEKJOxKW4t1YXrGFjQ\/84Y+mMFp+OEASCfw4iylYieWQmL+I2Ij7veeiU3CG1EHFCtN5zkFgAfZYDPKhcg33pVCRKrBCReASR\/a0AhFXqafbqiOR+UMlSXWirhOytgUL5LPTqjnnSyxUYcei7T0BolgNky0IlK3ONKrXLwNa4fZEIL2D69IyshlV5yGAqJxWUD0U1DOoL1mqA4lHanBXk\/nQxopIVAU9OdssunJDn4gzsJlb4kcgd1xip6GCxyJxpu0+RcO6yjdg3Vtai36K\/XiAOjhuoLnBx2kbIiNznzTGYOLeg\/mBv29VovBVS5SbTGXR5AX1t21OHsNI13o17b12Ea7dLV4IU30lvDr9L99pTlls42ihMSH81Wd1fC\/Ua0\/ZNUkFWLHLBL\/6kJGVTu0ISEoa1CTThw+HuE\/IRXPxHfZFTzE0vLRo5LTB\/WKHXdlVNUaAmlGuUIoUPfQAY+p7++YBFM8YxApRyoZM9\/a1U1tzWWwuWKpdq72LZC0OwpTVW0tS1A\/i\/hm0LVVLR09CUtZ0iP8u5tCtgTx7YqIsyXpQqzdUmaJc09ONQjybfwLlAFU4b0vxWh06e7bS0AIY+OqO\/UjmsgB8kd09drFZ9YQmhouQlp6FLPkVstERvX62zXSbjkvdgsLaGDLyPsY0IrT5KS\/OS1VEfjEh1V5isAhsCp5wG718bbiqqd9D\/VsC\/qqIHqEch\/De7uArosaKxEwHfcSeZnyU\/QvGQ504fCyuER9FfdTCTvpjawbqkGyQOiyj+WmKfCiMYxWKcSEHSkKwmvUAYFLt\/KQhHGqTVrkw1QMEI\/xwj97eOxPEkNpoxBEIrJi6TmsKZZUiU\/Zl6gjJEgvGVr42WfV94u8CrUFgVTyaay+jatW\/C1WGSWCkYjtF6nL2oIrxbbJoqSTlWTaZi2Wz5dgdGwK8q+0yiyXL8RDIdiX45xpbtIrmziWVIWD6CUy\/yFczvOz+04jqDDfuX4\/e2Nkl\/scXFJE2lFyvqLCmw1owxbCSGjDvdoleLWCIxD5ZqSxFJpiSLpUtzlKKoiZ5mJLMK9tLWD3len3\/vq6Eb\/54OC5JHwBjj9CpFTjifKIkZ0ES4iaqYOpRbOteERLUoESwPhXqsv6JOEvJA+o8wbREdgxpFW5gXxpU2mqVNRJhE9kw\/ydT3RxCUiZp56j7QLAZFbcmGw4MJdUH6CBDEXr27JbTarr6dah2hfndUvG1zXOntfHYxhonrmRHKbwboLDcMRkCT0eUgupCo4VR+3dO2iMcQHoHLmw\/tMWg3+NQzmWqtxq\/8COiP1wLSojzTr58+4PoYx3h61AKhl6s2u3AP56j6gXkVxHrxa7usm2FMYBTaNY9cfSR77GLqx+MUiy6biJ+ei4ueEssi1RWUbgnX76XvwFxJO\/Z0dmmnVwS2iL1BQs0xBXeaGx0+rPX9bP51TBQlHPSk5maVExM1iDWAWpcSLzxgIxB14U28iqoSsUe6OzMYRjceB57SNw9dKFNoSHN2W7MhNR7\/kHqERTXXgLust2VYw2glUPFErnojoKtY7Yf1nJqKooU+fkb3yxj9JPp7xdRHU4iX2Vu4Ss9vPFCeKVWFwW4GE04Z6ukSNtrWpcpUR1Cc9hITE7zX7UtH+PnCoalJ+EuOekSe1ADfoC9dioV+YyTMJfwJDvvh4ndMjNHX1ff2p0n2bKydmuz8fvlLXawwDdYfaEyEkdVXbeOSJb7EnvArVETVTdjcjTXOWGaxnqbF+Bshiy2CGJ7zibwDIZYxOcv9sR6j1q8K8i3UWWtpHwr3TPrcYfq7bQn\/VIfJJeTUfjXSw\/zOjG0+kaT5lMHlKYfKkwuRPvBprfypWLAHOdLEhRENv4vrhK\/1EJONJ3e8UJV09751\/TF4WMXC409tCmES5w0UCkx2BAtz16ojM8OokVyc1sV13Ph5tj\/xn401CnAv1NmPtRHq8y2OKwhQFCR7BaYXbHHZa6JSje9oUnN03mxET+767w2FXQAzp3WLYx\/NG2C5+UXjzRTVD6qrEvdfUW32FvN+SpnmbLdotLNpFStlp7zZbuJJTat7nfL1WywuSJwd+x2eTH\/JnPuT8F4Di54yxlPTJz69MoYB405VRDRYtFRiYNfBoqtCaWCxyF+rJ9hwY1Tk7slIonHNGdU81i\/bOgbPx8+IucaTEL9WDZj121E35n8ekb2qX9TwmvFPlTxGZ9pLxg2NanDC6CyGHQBQI30FX3VsppeNUJm01FYcoGNMDOwqyXcqSbXrGSEB7D6xfNoRICk5cc6POMoYWY3Z0ls4yTlt0KTljvZiVnoBFU0JkcWnHpUcXacCMrKUqsKXzIa0Mf9gRoZeM9RHG+siOvHT2j3ysp1TzaO8xWYYpI8gH845BJwPqgPfvhKKMctxmsRjlAczJmGhjHIDfs+6r8ogwBbKcKVCa9Xu0r2R8Wa\/hRWp9L90KQvTwpeQBvgvtSPcXlIsc2yHwMZelcpH4W8S95JTKAaCzxGHUB79oPhUwveofYEbw+OkHI3TtwAuiRmxD8+2aY0WPONEDcicfRkRAVAb6KR9\/4lgGigBeoPOp8ymJ6u0gaAi1kcedL9O\/SiDbd+45fQ0WHy6UMSxalBbiqYyurAKRWRVMIuHk48oSE2FyFnI6zx4ymDrOcoGSEVAl2EYIDxoP4eRz6oi5iFba\/J34jXP1LMfJVcrKtdUG5GGhZGsO5ECFY3\/pXJIiMFk15BtigYSWIh0Azn0sjFPOv8HHKOCHTc7tq2pJqJRVVF1n+BJzdJerCrt2pzkeLOawqXbuAGkP42Vht1UQI16+wYLRyKO1VDO3wy2He+XsVCxCgZK1EgsFrvlbih2O5vm0G8+5lQPVa8vJrhzKLNdri5RRbLNJHca9ZP\/\/IU4u0MUfRHGk9LosiKwRR64rRifaNKUdDK9ELRAO\/oAdIPZnh\/8WGMt\/ilBONY7yj+ycdFkepa2CXXLIq1zyp3v+qTsO5r7wVkx113tXDK+KruAyaFg4g++i9ZKSzV0gQZFeM2xv0Nh6KVFWvOErp9eM0JVIDM\/yG8I5S03i9AdOlVEAng9L8L2JQ88C52Ofp0lA7iQMImbxQ4VgZA6tzLDBV5qLbTRK2OU4TdWRQuWy46RM+TLnoHP5o2MyL9Nl37vs7F2xzp5D83GyPK1WRQD+mEZB7ZhrbKTjMWhtIF1CmVhqU5\/u\/tpwwV+2skxkTXiXoJOoKEOLg+HRywyvblhZriY1LZO+f+S4sxonasK\/RkXcGrdPo1EUTENU42TAswaQnuQkDKkVWb5Na8FQBA2F1oii4yNBY2qAtSQxBdRSApFssppKU4gkFMfX8O3o64Go9nxbfJOWN\/XWih5\/oCW+x8tb6vL0NkpbXw8cd3a8D3h0w57f\/Pzwcdm5YhXomyLjZSFPZ0ogSJox4pIWD493bGe6CMlc9wqCRdVmLJCPth8wrfCuMQkGrgfZSxL9eKfyJJ1JUBGhHZpG1ApfkqPWYbOzlYXBx7mMEUPQPaPtaFpu5eMEqcRnMohZAxAfFCnQEw9kKqESDZCE1NJcUWFT19OoCPatt94IL5dUb1zhsJo1gjebuxcF1t7l46zvmN56DSpvnmVUQQTAptPIdUY0jyDZe4FJ6aKW2D4ydtrgEy0zvwsu20l+GJzbptZ1kjFITpkVuS575ttIiPVlTDhOmTD4Y6SJsjb3DDwhRM6ey85lQobzGyXRvFwqO0igwuX\/OBOA2Oi9lDwUfF+UnQTWoUpRyHwBGGgChkiAgSYc83Tnfj5NpsOqdWPlkUmOsFAmgmqSZWvPZ529vZykq\/LCL6RCCNYvfmwEqUAPnX5RovgFbgZjl3NC9cs8bKgfsc+I+plLLOLkBlbi3JErxZkLlmLrei0eRAlo7YKl5Ur7lcJSGJX0XiL7V42htG1gNT5zLR4uU2g7kceKAFFOW4W+hKzFyB\/rtfhgnu46RjucAGmOPEzcVmd02H2KsEGbYbOj21SVYIM245b1bLb7LCGL7DpNOFvHiSKBvAxidh+E1SnhqkTMQlYUpS1BcbhpFPKT6DPI1PSBKd6Y7ylRI7CZkhHH5HXMZ\/Uy\/5qHljNx\/YEV6TXYVrXj2s\/Zr+0n8UbMQ6\/1+Cb8mYhncNZznfRJWZ3diTfE0TslfYquSJB1qubn6p7dXX24R2VfeMpcnBgMJc+vyrREMx7P+XjG6EXTkZIrCg+lVhuMg7xdOwf6dFXcoabkoJmxY2Cm76n0jt1BphQjle4roV3iaD4s048NuYKsyhGMpzUTsg772Xjd4T64R+RVs5P4fB376c+jwzfNbfEG+yQpUPST36nge7Hvaqrb6xSey5lOyv9CHO6WpFgQSjlKRJP5ifwkFm+YqOjGjOSjuvY+ML6az1tAbOCaaoqTIcXmkKqRYPm92Xy+Pf3V6ybePG83GbMfN5wUBzNmWi6\/4nZNFlm+2B88X+6W42VBhNnblmEUnJAYxXsVYdOq2DmG9D4byshplcggljUvL1CGV98ZZx3uUPsk7cG0sKTXmWIUfwf\/Tf6LZ8n9tJ2N8VOZGCdzEs0oThkpL5evlVaYUSE+Xaq0epwbV+7Tywm0AUkxJBNpzCOInIgSYqx+40r25gt07JVp6Hq0\/yP0UboQPEeRLEGEWh0rpUEpqUlebTYfcpGgPpYJdosLu3fJOCCf36tjTrbHVHuBTXJCf3xvTahUYRNFhc2HuCNbkEDpwSLxs3vPnk3y\/h4yFRG1LrzKhX6N2cQT\/NpxZ8ZgIdVuXJsmRCe99nyZ0pcSt1ZSrdUGpdYG7cjQ+p6p4a03U2blDbWgcC2+1QopZf4LyV5jxeNiJoDjDpgbplS7ZqkE9oKTUs7mw5XqkLQ7TXZdMVJ9ZSXjFKlJ9PT5gsfUt3v54ffBkC50yk\/V8vDEChUzbigjEZ5YLoH8E4WMpt2rd+9rMiM630xvlc2kRmLAukXUfy5Qz5f7fJtQDxuxB\/eeAKQnVphldoAqad4Drm0SSWnUgaiROCUqrYkVNsZTpxGJU1MWz8BKPZS5c7cacF\/mfT2jeW8x8FvKbajrq0\/nIt7u4vbj+7d3X9Amy8S397Key9U1olhpr09USipvWQE8H3nAUiXseT54DnyRiwNv0qX8CFz\/IztKEcT8yM292jYivOWGonzewbciW6\/532xo2YayZfwX741serA7nlUzARY2hq7nUVV0SfwVCZX6JbgUKzUpU0h4LC0hkQEtJFjciXgCt2lkw0GjEvxJmUTckZ5wybQheZb2xHofuXcg9PqtcnMDcvCt1MttLLnJv+X2+BemGtTfkab57igpYb6r1\/EXeXqBeKRvvXd9HZriv3ZvYv3R9Z2d5aAAxJXIie8sm0FHZy7zdhfmJRDWRS7DNs+ce+UzbVcdUZbLh69+bSJw9dCBUbbPMybOA1XPwZGh6wUsJlr5+\/W618eg7rAtpn35R3ZDAGGs2A35c\/sLS4aUGRBZYkBcUFJhV9P2J5RZPT+JQPbcQWNgxRT19+GKKVvQjTZc3mXIh\/UaHczDhnw6CL3pyPXjA6GHGIJoFS0PxI1yB547OBCM4QslC1pH4CFF\/2\/TaP362mgd8CdQxU49anyLRclv1SXtIMrKhZSsRNU2isfW4es3jenBZ3Z+8PqtffDXb7fXF7ffb79M\/cWnp99\/C\/+6vf3lXfPVl\/rZ9YW\/tG2CdGgtrfp+8W14PmmF8+7Hwz9GN82zu5vR3eXbL4s\/r159ubj48\/Xn+ol7\/vbfTuuRIOWGvZEM9EyiFSkHvC4vALKDKEa6HVFHKsLaKJi4DOncNSOi0YfAc+1lG\/lBI3mFdIhlG0UuW7b9TTGDoIy\/pUbwWJILUIDpW1xDdWoAVZvGqX+K4ARa7t6xuero8fHuWgqI4kK5j3fXHAdPvWCg9VhfX4GFqY2gmYNv1sySF1QBwmUpOqm2dYcYmHV7I6p9o3ooFhHrI6p94Y9iCXG\/ONFsXEsAMdo38kiwj3IzWeYCbmFevVYSxepjcbccv8Iw5o5b7nCp8ULNPgbX4iQVNjekgjYmbfikMoIiu6\/mLYUbAUDv5wZ+l0XUmpD8lTViWBYLBpqP9YgU0jumDssF5wW6lVOEUJ7jCtJFnjBIMZFIPsLHLwz8mCqrFvUxzJhaEw0boRvS+3EUTEdjXqRk2BpyKM8S2YisuUjvKZBm61o4kXa0JL2kj8W1EDlrTkTp7dwvmHjES7J1dV3tG8slaPnGtoX2siypHD8agB\/8nPqCsgL5EjPieq0E\/yojvbZYLncqPG\/1qH+TdweU3ZrY41iknwB0+iVbOsN0qu+jHKZPXB9I3n4O26MMIsq43l2v11rumVNIPir9Wxz47dVGB+relpe5CUlzEjgJggOkTf6GWz5lfs6t9YFNvsFt+CNKb5eUjfB+0ltc4J3Q+FWfPkaekExGnpRJrPzB452iEt2+Luqd12XWiMaF7accwdRSmqtPdYvpb\/WIYfOdOPJnzDPpSgQVvFMCTf4CmfcvdpSOzfyLy7wW6\/1VHnQx8kpv8OLQmOzINj0sQGOSQaMUAN2L3VPvXvBJT+Sks8kmU\/sEU\/vEjtKOzE98ahPW+1Q+tXhYPrXyC\/4u3BGMMOAsRmgz8l+3hnzhjowJBNbwkb\/NSTdCvGGkoERM16Wz9zY5hitqQWmMllZvoDXl2HRjhQVoLnLa18JAb6xQc3PDq7jJtCtgsGOV3JHmFqZa3pJNfStygx8ZZlIHesjjQOWAP4zpYveIocTLhnzuj1yf\/siARY2t1quAu4xPp67n0OiHgJLWKgcLR5V3VI2tfPeCZPGDzEl60H+eK8UDfj2rJMxpOLqfC2SqsMsn6Z9Bi61HRVcaC9Is73S8U67jGG0nKxQ7fZDu9KlvzSzXA5956SzTJaNSN7BBI35sTOKRmFYXr7rFTM1gdeWgV1Iy86tFspzMtTvKkzSzMeW+WDUW1Fi0rFkjy\/UNYRu+qB4AqA5sMYCLzt5FRbGh5Xr5DPu3lapTyKV1W0jfBPmoa0pT5m1upkPzIqfGvM1HTXsSm4bPooi4XTdNkJJL604XrPisDdWs7kJuG+bTxe9M+h4P8vnTc5He4p6jFD8joTX\/HyKavKQKpH0Zzqvu2sF1YDnrtacVharRf529fbSVvb37T7O3d0X2dlqevR3gm+Zuf4ak7W0fKy6ev0D4ovoC4YvnLnAd7bor7QJvihcIb60OGZrDAiB\/kBKVqzlTHIFeX0rNR5A9dyfJcX3h8TmA9Io0MjnJiRkN45o1CGa05lCA64DW5mOL1VxWcwIaGyDxqLbQbTBwI3NClwuDKM1RPx9Tv7YMprWIWvYYetqRtf4Hxqns30Um02\/l5w4mdGs5hpmio+oWruMmMOYXOK0N08QmRYvvcDuDTS7JfmqvH3X2ohLxLm\/OW8A1kSG\/DKqZ5CNGZRF8yE1OfUmCiueDz4ci4p9Dq4z4jAph5xsMGYNziVHF0HIJUX9Vk6C+dKsMoeVE\/z3EiczCm4dpF8Ciym5wb1x8xrIw4rKPmdvQewIcMwaX0FDmApgrD5HVYAPleT5p8JvpZCIAYWwRD9a44frDIH0IA1ln5PGk38GUyW8x49nkZA\/BlNFItKqELZ1rdnLhs13Iojofux7VAvF5Trbs0kHeKD0Xlg7P4pl8hOaev7MGceBNWe5daquWax5sAhLk+8\/Zp7IwK3W8BZGkHdtBSKUrfmiDkptxxQYML8j1VZmMMXFlC4yca7gZFOQWpXkoqwpn4KJd43CO4Zvqshq8YI8n8LZ3RXSGtohSdFTHriWkQziap8kQ4Ag67y371bHeaTMIb3Ij3WDTznGtIJWdgmwxXFgMd6jZFY4ioY3y2UyCbSyy81gU7OUwhj+qLt9pc3ZFHFtoIx21pHw9fyY\/7Hx7VQdWhMy5chvMfnmsQBYhEdqNieujGvcMIGji+g3u69U+\/DVcmPAoDSfwnI+aOAs8zwpjmgRMwN4UBegitHwHog64QfT46\/Sw2frluQCG3KAW\/2xIgA\/qeI6\/Lt7+O+t437Tz19vPdVu93t4UmDgvOy9ISGH9rvL7AmFz+YJd8h0unI5ZEILLmTWyxNYxxeXUdkWe9aR\/QLQzvLJ3bgxeUvCDalzjpfgdXcsyv9ZkFZF+tuW0usxRjbMOEkuM2qgOLOzunwNhx3DlbteTtLRnBBiAhMdUO8M5R3rJ+QuMoVN4zvmYNeaTlGclbEkmvHnM3rF5yqISPib+yvCotsgF9AK4m8\/AvQLcAOOMjn2oZCpAdd9nFHYOnoNHQUJh59wFQwt6834uwhOa+yDhuldpoc\/RRS6ePWezV9nYJqhwb5RtQf8b\/RCcGDMTv62vuFsJoJSw8MMRL6Lp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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n26xww0n.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n26xww0n.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n26xww0n.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n26xww0n.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n26xww0n.nxe :where(ul,ol){padding-left:20px}#nxe-n26xww0n.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n26xww0n.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n26xww0n.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n26xww0n.nxe svg{display:none}#nxe-n26xww0n.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n26xww0n.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n26xww0n.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Banking Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Islamic finance and takaful<\/h1><p class=\"nx-scene-lede\">Islamic finance and takaful is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. It studies risk in Islamic finance and takaful, with the governance and standards particular to them.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/\">Back to Chapters<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sequence<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The order things happen in.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"timeline\"><div class=\"nx-hero-rail\"><ol class=\"nx-lv-rail\"><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Question<\/span><span class=\"nx-lv-rail-n\">National, regional or institutional priority<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\"><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence<\/span><span class=\"nx-lv-rail-n\">STEM foundation of the platform<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\"><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Build<\/span><span class=\"nx-lv-rail-n\">Foundry<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/community\/\"><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Organise<\/span><span class=\"nx-lv-rail-n\">Nexus ecosystem<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\"><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Test<\/span><span class=\"nx-lv-rail-n\">Universe (independent site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\"><span class=\"nx-lv-rail-k\">06<\/span><span class=\"nx-lv-rail-t\">Publish<\/span><span class=\"nx-lv-rail-n\">Reports<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/trust\/\"><span class=\"nx-lv-rail-k\">07<\/span><span class=\"nx-lv-rail-t\">Decide<\/span><span class=\"nx-lv-rail-n\">Competent authorities and institutions, through NXS-RLS (participants, agreements and handoffs)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">08<\/span><span class=\"nx-lv-rail-t\">Renew<\/span><span class=\"nx-lv-rail-n\">Corrections and the next annual agenda<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-chapter\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The chapter<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What Islamic finance and takaful covers.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"timeline\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Members<\/h3><p class=\"nx-p nx-mt-1\">Specialists who work on the chapter&#8217;s questions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Group<\/h3><p class=\"nx-p nx-mt-1\">A moderated group, opened when its hosting and terms are in place.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Editor<\/h3><p class=\"nx-p nx-mt-1\">A named editor responsible for the chapter&#8217;s pages.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Research agenda<\/h3><p class=\"nx-p nx-mt-1\">Questions the chapter works on, starting from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/\">its cornerstone topic<\/a>.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/islamic-finance-and-takaful\/#workflow\" data-nxf-title=\"Participation\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a02-ch-islamic\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Standards<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Prudential standards for Islamic banking and takaful.<\/h2><p class=\"nx-lede\">Risk-sharing contracts change how credit and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 market-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from movements in market prices, rates or volatility.\" data-ts=\"NRS-C1\" data-tr=\"draft\">market risk<\/a> are borne, which matters for how hazard losses are distributed.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Body<\/th><th>Role<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Body\">Islamic Financial Services Board<\/td><td data-label=\"Role\">Prudential and supervisory standards, including capital adequacy and takaful solvency<\/td><\/tr><tr><td data-label=\"Body\">AAOIFI<\/td><td data-label=\"Role\">Accounting, auditing and Shariah standards<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-p\">The Islamic Finance and Takaful chapter of Banking Nexus keeps the platform boundary: it never covers lending terms, rates or credit appetite or which borrowers, sectors or regions to finance, and its evidence carries the same labels as every Banking Nexus page.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"search\" data-nxf-kind=\"search\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/islamic-finance-and-takaful\/#search\" data-nxf-title=\"Find a group\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Process<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-launch\" id=\"explore-nx-pe-wg-lifecycle\" data-kind=\"explorer\" data-js><div class=\"nx-launch-row\"><div class=\"nx-launch-text\"><p class=\"nx-launch-eb\">Process explorer \u00b7 Process<\/p><h3 class=\"nx-launch-t\" id=\"explore-nx-pe-wg-lifecycle-t\">Islamic finance and takaful: Working group, charter to sunset<\/h3><p class=\"nx-launch-facts\"><span>9 steps<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>4 stages<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>1 gate<\/span><\/p><\/div><button type=\"button\" class=\"nx-launch-open\" aria-expanded=\"false\" aria-controls=\"explore-nx-pe-wg-lifecycle-body\" data-open-label=\"Open explorer\" data-close-label=\"Close explorer\"><svg class=\"nx-launch-i nx-launch-play\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 1v12L13 7z\"\/><\/svg><svg class=\"nx-launch-i nx-launch-x\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m2.5 2.5 9 9m0-9-9 9\"\/><\/svg><span>Open explorer<\/span><\/button><\/div><div class=\"nx-launch-body\" id=\"explore-nx-pe-wg-lifecycle-body\" role=\"region\" aria-labelledby=\"explore-nx-pe-wg-lifecycle-t\" tabindex=\"-1\"><div class=\"nx-pe\" id=\"nx-pe-wg-lifecycle\" data-nx-pe=\"nx-pe-wg-lifecycle\" data-active=\"wg-lifecycle\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Islamic finance and takaful: Working group, charter to sunset<\/h2><p class=\"nx-pe-cap\">A working group is chartered by record for a fixed timebox, delivers bounded assignments, drafts and recommends, then dissolves unless renewed; it does not adopt.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Form<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">NLC proposes the group<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Leadership Council<\/span><span class=\"nx-pe-sm\">The NLC proposes working groups and nominates chairs, editors and experts from its leadership pools. It does not charter.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Charter by record<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">A working group is chartered by record for a timebox of at most twenty-four months. The charter sets its scope, roles and decision rule.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Members join by competence<\/span><span class=\"nx-pe-k\">Step \u00b7 Members<\/span><span class=\"nx-pe-sm\">Experts, practitioners, students and volunteers join by competence. Members declare interests and recuse on conflict.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Workplan from the national agenda<\/span><span class=\"nx-pe-k\">Step<\/span><span class=\"nx-pe-sm\">Assignments come from the national agenda and the year&#8217;s missions. Each states the competence it needs and how the work will be reviewed.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Drafts and deliverables, delivered monthly<\/span><span class=\"nx-pe-k\">Record<\/span><span class=\"nx-pe-sm\">Groups deliver monthly. For standards they draft the national profile and deviation register and run national public comment and pilots.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Review<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Contribution record and review<\/span><span class=\"nx-pe-k\">Gate<\/span><span class=\"nx-pe-sm\">Each contribution is recorded and reviewed. A working group drafts and recommends; it does not adopt.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Recognition follows the record<\/span><span class=\"nx-pe-k\">Record<\/span><span class=\"nx-pe-sm\">Contribution records are kept, so that recognition follows the record.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">National adoption is decided elsewhere<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">The National Standards Council decides the adoption mode and the national profile. The working group proposes and never decides.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Close<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\">Dissolved by default, or renewed by record<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">A group is dissolved by default at the end of the timebox. The National Standards Council renews or closes it, on the NLC&#8217;s proposal.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/governance-in-operation\/nwg\" rel=\"noopener\">National Working Groups<\/a> \u00b7 National Standards Council \u00b7 Decision rights<\/span><span>Designed programme process, not a record of operation. No cycle has run and every programme is at service level R0. A gate is a programme decision, never a public-authority approval, certification or deployment authorisation. No working group is constituted. The charter rules belong to the proposed <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> working model.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Join, Sources, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Join, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-join\" aria-selected=\"true\" data-key=\"p1\">Join<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p2\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-7-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-join\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Join<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Take part.<\/h2><p class=\"nx-lede\">Write to <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/write-to-us\/contact\/\">the contact form<\/a>. The acknowledgement gives a reference and names the next step.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.ifsb.org\/\">Islamic Financial Services Board standards<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-7-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Can a chapter become its own platform?<\/summary><div class=\"nx-answer\">Yes, by meeting the ten-point graduation rule.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-nking-nexus-chapters-islamic-finance-and-takaful-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-nking-nexus-chapters-islamic-finance-and-takaful-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-nking-nexus-chapters-islamic-finance-and-takaful-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/use-by\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Use BY<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/banking-credit\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Banking and credit risk<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-8\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-8\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-9\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script><script class=\"_iub_cs_skip\">(function(){var n=600;function t(){var h=document.querySelector('.nxe-host[data-nxe-embed=\"n-a02-chapters-islamic-finance-and-takaful\"]');if(typeof window.__nxLaunch===\"function\" ? (h ? !!h.shadowRoot : false) : false){window.__nxLaunch(h.shadowRoot);return;}n=n-1;if(n){requestAnimationFrame(t);}}t();})();<\/script>\n\n<!-- nx-rev:5497657fb28e1592 -->\n<!-- nx-shared:ece81f43f488 -->\n<!-- nx-path:\/chapters\/islamic-finance-and-takaful\/ -->","protected":false},"excerpt":{"rendered":"<p>Islamic finance and takaful is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. It studies risk in Islamic finance and takaful, with the governance and standards particular to them.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":13,"menu_order":292,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","_nx_seo_description":"Islamic finance and takaful is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda.","_nx_seo_title":"","_nx_seo_image":"","_nx_seo_jsonld":"","_nx_i18n_locale":"","_nx_i18n_group":"","nexus_page_kind":"","footnotes":"","_nx_seo_image_alt":"","_nx_seo_canonical":"","_nx_seo_robots":"","_nx_seo_schema_type":""},"class_list":["post-36","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/36","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/comments?post=36"}],"version-history":[{"count":3,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/36\/revisions"}],"predecessor-version":[{"id":297,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/36\/revisions\/297"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/13"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/media?parent=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}