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rLvvzGxJWL8gJtS6+PKP38ylKKcyam+S+YnBNGMMgxjCrU56msJzqW26BW9NWF94qkFtgw1vh1tNE4gki8RwiyQSRxJjINV\/VMGm\/XrsXb1leFPTMXhU1v147O0hXSxpmrKyeVm2WwyLlCbCmxwrdgLcf6IbJ3inpXUAJC0lv+u3h0LPO9KZD3hiiLfTNWag5RZvq+UM3qnf0d7gXndPttgbJi6TV7qzx2DlCtW6PJ2k1t6VzcyAjV9xL8V93bHPhZ2YWl6GtntTMyxdHuTp0tV1pbe1ZfqjvSesr72pJXXQuvenOrUoKyFfypvV9nheyQSi\/hbYtRAkbHGbJptQkEO1KbX1FKiAVYC3sIX8ZolcxYMAXOizH213eJceq0YOja6wFyUvf2ApHkBvdrU6TqHknUNbh54HeZtN9SCf7IDRvzydOvGkYFc1Wu4Yp6Ig+EKBt6y+4QgFiWKwPUqfaYQDuI31UbOOAx1AZ8DilhyO3QCQ4aUefaXUYXcJ2sXpc8J7oIfWYW2Wqgytwe6zKLM6hq5pDObKBSb8n7m5N5DpDB12Tl5MRRt03qTsBN7kALreFEYD4rpaP8qNF3HTg2clnG1W4bp48+lXX0fpZMWF\/Op\/QGxckaODfQ9fYflXXofxAzJxQelvUrJAfT2LwEdnZzAQ0b9kQj5SZC2eKD5Fnw+2zBAfxeMECWyPZTJxReME37JWKZTZ2gFaplaa3uY6ruI3v0yY4BgOGta7ZM+\/QcVNGB6T7TH5mi8s45LwzK3wgz9sjzJtWjPZ5+i+4fEP+n0K4MgsDMoOvIrQJBBX1B9uaCaLV8I7RWHmkATEmeyrOn4cEcM3bY71xzJqUtBjOGKFn1owr0xMmifpmRJ05RHv8FJMTHTyLwte8JXab3xpt81O0eswGvUP6FAUUbqsdM5pNO5jU5ZiYoNMVKkyVtGxT22MhbY9FN3XKq7ofywyWF2PT5wU0LSyWULpMGCohZaiUGi0VFOMJivFGaXw0mEKFq9voK7nRkpE5WMrm7C8v8ANvWM0K13qFoLhldXW+jcbGA3V2wb8i0v\/Xl\/Dyvv7ZVuOLzoGDPPvJkb9ciwbe7F9u1HsY7O6LQxk3nZ+B9JWvIWMB9YKfKCZKR4vrQlqDNzK+zhiWgubUgzE4aDiScpungnbYm\/xdy\/V\/GpjAvl6tAgU6gxJ5IhClqZuglRPaoiMtkirnZuWOc4wA+vYrZJTCgIpjeVXnOPS0C98UbC9jSGKIgu+mbC8j4Bjlqe1Nh3fg4EPChklVNN+e3Kcftwk\/6xpeIGi\/uBvG4Vrj6zuT2IG8YOFzqqLf1CmAOz0RfEcNXA+3mZiqiOhV1afZhtH0p+nh2oYPE9kKPDXB2TmK9Ohrs8DPzD6Qb\/a1+VNZh88UaVFfhDoY5UI1yY6NdJepWb4Yq+bSpaKA82CDv3eh4nOMcd0zuR+zfRBqIf\/MujHJFfoWJN9SZYQUVpUrcePwA61rjvoIdingu0Tj4aB7JzF+H6kBLQPwNVR3yDh\/N22Hau73UXbo8T1K16FpPkrVoWjO0XTc+aoO1ZJEgAm6jnuYp7tQ5Mc9jUFNNtZdJsgKGlGo69MZlHV1gZL1\/G\/dk4cu2P8G23+qQV42n7Jih8EsWrS+ZAnNaW\/JqpXJiWDWIE1XrpaNOLqmq3cm3c+1VbBtLVjDgT3rk4vLOFgq5VjCsoW8jO7fwAuoWyBZ4P+9uDar\/0Yez8Lb\/wfYm4dR\/W7bM9vi77NDc6N81CbNkfVnbhls9c9YZDiQXHbExOUP4tL+AodQXf3v2Gl2o2vD0Bw\/l9vJBKE8BQj\/o88mgAFxyGUaBDhKo4Ftm5fHZr96Sl4d52nz1DR293\/e00OyJxh9Gumyk9\/4dfO8PhjJSV9YmvbXXWTeJ8nCfES3pBLDnzFV3uP6ol3fTMO+4f40i6r+uj84mJ1uwznNmp+aHclhLpgfkjLVkWV3FzSFGecgNEe8o4l5Q+aXJNGcT8He+G+M62VVkVfmr9fwmDeoqy83+cSY9XhOL2MTpz5SEXFCfvkh8w7\/O\/Gy2a982pvFDW0agALDYtkPAzG6C0pgHkCsK9vnRYR3+9ChwljwFZZtM+nexMznX4nn4w+dj6IEDWmSNP5OPVTNCRaX2aDUHaRNWrUtTKcwqb0erlpEZV6YDYFy1homqbl8\/BCcH4e5aNo8efno8JRGRvQYBztJUh9VsAWDk\/Ao186poX1n7cJzfAjFCLq+ZOju9G0G4xf3V2SwtDoo7cEPRb2E6AxIednAdmWvLAfDkwqedXy\/DLs1I3NO3xKfOsdTuxeRT\/GWp\/AHY61WXAPx9VQuPT8wmFEvNBTejik4ojs\/xInK8AZ8i8dcbi6OeDhQl5KgrhHP+Stf3b+ySiHJkDMVDGFQP0+Qu55Qv19xD47goFsmsbxjNIPYFh+\/ybXx1e1LUE8StBqx7KBL\/1ahO1VcbNAldLnL9c\/cZaEjdKnqds6E0k6\/wgD1TZELaXlohtiYOmajIwvTIySX5aqPw7Yx9jmSsLK32k18Kmr17NS9Oufo0v2Cfz3jLzQ\/tEMkNXz2edEtE4TSqoRLwl16cmfrNYeLpl0y6e5Kwz5tYcWgXjyLpPqDhs4SW\/xBWDJH0MLNnDHAJG9yQR7CGWGNPd3YikF67Aeh90elpVBcvatCEj9TJrfg+PmRdVyDmE0Wc+HAfKoxsGcluQg241Npc9IRaGHEJjce9P2NxW0wl7pkeu7bLqRN3D8lR+ygLUwJu614Jl+rW9Xq+Z3BA3Bc2Ipzy9SWTm95kcFGjGWh5BQi2XgpBzo93RJ9IGM286UHVM30EwfGpSsb15ZtBQvkcYkplfB2136qGW5evlhVOREtq+L9QQU9V0iP\/tET3ZdV+6XHMvixHnhP7BvT39Ex8p6W0FLZ3EfgjXJHnZ66oZZyfKzLJXIIXUkdLuOqPc1oiyyDTyAun76JV9+4HhCP3pUX3tGHPiYUXr49OU8\/xhasFGKbhn1u5tJxZXQwgOxcSp6MkusvoOTLKOGZm0spkFHyowWUQhklzFFzKW1llLZLZjySUYqWzPhORmm3ZMYdW8pQ9pI5d5wJ5lxCS87o3pJ5d6Ss7vhLZt6RMrsTmM49f1qb6czubHGpN9+b\/d4tj5gjFu0mpCo7SFS0cohvPomn6Uecl1le5i0UUKVqmF4TmHb9RWZ\/9LfMCflPErH\/pz4MX\/6MALTT2Nz4YEl3GgdmTExjWp1BXvLAfqkK2C81Bvajm\/hB+UGL6SD0GERyWqZpGrBdmwDPI\/cECv\/I466g1DFSKR0jlfKYVYoT5VT3eXx9Ze8N76XkbRGfcpPLJ7E+jbJ1x2QZzQsfxdb9vS\/bE8l088Vb8zca6URmQ5E6CbWmr45cVS7K\/AyOcD5ThDabp3X6PC30zThO2nzMkyoh3edJaIFXaDVF1RpBrwxv9zI6Q8giLcr1A0GKcNXlgCFj+uZZIdMaSEQuD4+twE\/QdFsiZv4V7YPI5Lr6f\/+f1f8G36\/N6l9QV+qPp8MUwkvUJZS6H4BDmUfyUTed2mlZ5STKnhuvmMBMhcGAFFuSYc0sOy9Vg1rRzC2xgWXntyu8wvQhRiKOFDKSUXaa7dQKPdYAoWp8ewJtAZreb5C2Je2fMxf9HCQ3WgjxHf0cuM+\/f44A+jnIPjRBm0SInv2\/CFdufVBYgmVVnLCvMqy1\/bO9RT8H3uS8f7YT9IMfAOt4RYy+d6NpZyB+XiZBQrm5cvA\/8rnyUvQjzhXus62YK3uDf8xmqX9ZOj8ZQD+S+cl89HMXFKlyyig80v9\/zZjxwuKAboyj\/3lCXOQf5SHluJHNpbv2zTlcdK2bnxxxVluUCyyzAbssipETJSd6q\/INEmx\/tf0pP\/JZXex9FRkoMx5lyWb7h6EdREdLzp9ysUOltJ+s5y7TW26jx7C0utlzArnzbDRz+rDPqdAb1dwFIryaZPbmrRUWwMqJTNhZ4yssb8e\/aYaicN6XUrxohYY773tIELp8VWSQXPbQEFmMT+OszMr6FhhILIUwmkW7VyKrN3FVG45o4SKVgUTbbHbGWfSQdzKtW3ghK\/xp8K7e1TXgRumZyXZlJOXEYNEXbFjJjjqkSAag4giE08soUkw2OqQ9b8XR8kqOMXgj8ueeg5+m2eXGYPcQI3yu7NkkBt2PzuWpvojVUiRWHxrdOToMMBA0Z5K\/8De0PBv93oEaWq4990uips0QBmS54m0+V3zTgrq9swPf0\/yVSWJM7VAq25aafC8m9TCo8zs7WqHc9Y33hvUf1EhVFh\/dhAhNRDObMHRXxh8ZefbTy3ucOtEh2V7ejxW4ibJBGkm7vIXvGCBUAAI9zE2waNqe3PHawLU6NfNI0B9BR1EXTOB66GkwSF5Fq0\/0uKQRlvP2J9B8+U4fpZFb8upXAYRkvSShK2ZrdPIeOt\/bINb3SjO6u3fJLWbcnAX8NgQKzF5wKrJCJgusHiw9Dk1CxdgHCnrHXkzzOzmR09qLL8PXVZ5rFxgNVfQQ9BX5OAyyKLVa8DXc3Qiuuj58\/9ONTZVN\/iMmtxW68xi0c33\/Vr+uhj526d4pS3+fAP4z2u51w7vOASOlC59Bnk+ZPIuuJGWYQyeuwX8IHoDB\/DZk6IziXdK9m5AIKe3NVm8xjVV7GjkafS2Cze+QNPAancKX28dQWC3D7Muj2\/TdT6nuO0P38aZvkJvMgD5zYJ4BnuzP1Nfr6q1BNotxOPhcMeYkn01tPDaJB8B55hkJYPb8xHN8VGp32Tt7A6cBtnlUbHfJyKbvgO8ywDDI2KJ5Yh4tChaeZxC9WXF2UxNo8vNNaANM6u0e4S0ALHbWha17d0Dzp54YTBLTG9afTle\/xOw4mcGeBne0je3HCPdCPc10ePvsw6RZonq57tQ9tuKjyAn9M5Vjx4IeMXnt+SOhCTfOEaYq9M2dLUef\/USdUaclelm9Hv\/aZfV6uRIoD2YPsO0VdYO0rnCu12tXDB13MZ1xAinFaL25nxwfU71me+ys\/ryynIPW0cNwxnG7v8r1xbsHpmvAbKg0T4A2Tw7zjBgiezIgx4JR49OncpD9v8+cjlsNy\/lk4pBbIJ5oZOxbuaw32adZxzv8XUcJP33flzGwlAvMhucgeriNW8rU9ME7unuiOQhxw6Fu56vxj8YqN3OxoI4wcuxkY\/cCzpvgpyrLXrTbzd1rpw02NmutsX8uM1Ab+x6bHwVkzuRs30N\/2ZxzRw5DR3NyVReQC2CiA5K\/SGfwTXFvztF4njsR42U8deCafGG9fpwZ+jGfTkr7O+3kTS97yeySSbQCd7wUHefTc3sYI2zZ36\/wtc+nePvMGYehj39\/r4udmPDYtuPQdqx1fkLFfIANSztAfGmgcQU3vWdC64u9MFvOLDLn+Mfcqz28rz1DyD6i1BA7CAxvmbGDlWRLNP7v0pwHSwUs2hvv6BN17\/r4flFfRTQSL7v2pF0+hkie7pNirNR+ZeM\/uruZus\/OLiSro7Lv0BxEDi149MpgFWGXQP5Kl3c6XAVr+8iUtd5MU11OdMB7PYPmpTO66vY+2jKyIa7R5\/z9S16umvoYy99beQEXhcOH5RyoHqz+c7qw0MNFcfx5vJfLpzchPVxxQSXD9mdLck\/yOJJLF0O\/Z06wr6NZExxxyhqqXA+UyOlvROxfkEV+g38hWJvjO6T9fpAW82z8VkgGrsgEbajf51neEezpbfqwgsELO4G1IJfzQ6OexIPfXa7LeOj9rQvHioINWnfEfKyaJtVPNv8IG\/DmH+9w4j5W+7v75LtUBeqsh\/SxgeZ4NNjfTZNZPgm8QOlGJRPnd41Obn0h2cE+wXmSQnctK4zvOuSVe+8+VpPUVVHEoKbdxMhVuo3dsz+hX\/t9f9IaWr\/j27EOnG+nvIVYdMNh0Gga7rs+ZzivAAPjIWQHmhPXd4xjojkKcHmgnZd4D8FSfyp9GQqys9rqeKT14q4ihv7lnMTuA8vW4yQIvTLFpRYqruJr21blDVwuENQI5KHjWrJcGTTmgMcElzifqXbvx5welIcH7jjgHnpc7Q5UwXxGVr\/2UzPTh00Dmi1pirgVX2rYNDAd3Yofe7E81fgM1Gb8pgjabKmTcH6fr8tM1P0urEXFqdUeT60Dzrh7pwVD7IBwRsbRAQuOgqYtbh49ApN9+ufn3PfPupP8jveH\/qbwd7rt5RrlLql+6nEDuo27QojlnCg6DEtNjzTOkWLXrBq3slu0C2BBO2ApWMCkhemPT4MfJe3U11LdhNxq+pj2KJD0aaOPtAMr19XZenh4lu4QUoME\/tBOJGUI5Ica6kCuUBN5eRyQrijsLNL6+sa3Yku9j+UjQEeUH\/M+kzgaCogDZU1BGzwP5QiaExIyIxTXiMHFJgEHzWkyCbj91XOn84BrsJrJeEnM5V3rmCO1P6GjHnqAAjA3s6oKIgDHcC5D6O1pV+V479ERXASyLZKTof0anFcGViZoaj\/EiUA5RgGDObQopHAqr4dxEBJRANk3QQ0BSodGzExkv31aPaGXMOEnxpkEnyGQck7+ch8TiinZ\/ol+jruKerhf4QLRielv16bNsw+0A2Rd8\/cr7LrjCNUtUqLrFyzTUVd5RHc41yDSF\/Tro8c6obM91o4oYW6zmDopJw88jFmm4+WnkWud+28JRZaQ8OHPxXdzzAUCSHNQjJb9JK+TAq5Adw9weddfIQj2\/q8o8zyGIPwzXtFkWUsuw\/jGYVHklwautvYvq8j+BfUiCn5ZufYvm+5O+p\/RyYRpbWv\/wl5vPYwodSAIAlUOeyzY1QGA48sXUKLoiaXhgvJLJpa6\/MrJxCrS53O7zUKnE\/EfdIB1mubJWZRNLNWvgOHmDJvkrBi2bxCW7DYRgwbiJGFDBM9owCFRSlF3yfU4DDmm7yYRLWqHdF0rKMrohsBW+sRnUwYr24TS9yJf\/boq8tvdQRlS2t\/BxvDFNH81O3hgcFPJ6cOcD5yOD3SXWnzCuG6qhQhAId1e8HPGoHUb0o7xj3Ycqf\/+JPnRb314Wk6GDExMrfG3ZjB6eS+TcZoJSLCVgabdYHj0NQelbNwgUSE2xq+z1r4pWYWJ6oKYTPQebQ8ea2+cmh\/2YblwujgqC+NreSoPsYpjRJ25sBd8GtPPt92783B\/Jr4K32+mb3l5gnXeymSUkAGU74o+VkrXx9ebkUSlNKiDweFJNwWvN0OPWPpj0kBc2mGtwO2uecmqqr1JdmgS+82fSEy34N\/jRkkV\/fhYqzg6xJLHBfiorq2A6s2h88yOM9A0oIc+sn9+gnaq6hGnOUihmB78FWQxJN\/paSl\/ddbzIyf4BTv4DhCPAlB+vJ1grdT+\/a3i6mjRwYpC\/pI6TUgUEz7H7aD6+3opwmsHMv+CCRpn2J6qtOHPxz3wz1StAlmrazNdYSGugLppBK2w1JjIHOdJngzWYGg\/UofrOmwhRHmzLqNQ7SX9dnxGFyFwAosUEc1QyhvpCm3AZKLaBgBD0y3EmXn4ovfbLlLbKq9nWOfJftWC+FqAGhU0mpHgsGAJ76PAGIPzwzAhCBPCAExECbHK63qeHM0WQVoeaG2IqEBY2zFTdvpe11UBb6bHGW+GMto3cKzkTj0yRu6hun4HRxdfeS6ZITuHYXbwJdNER7PfgXqOf0Vr\/39+sZB5k\/msXRWUH0f4sJuBiPSxtr8EEQQnCaSbHKm6kixEm8WMhkQfpS\/Sq2ZjUFPUFZXrTn2VpunTsbqvR8fq0f0hvHVvrzoOpe6JOfVsXvcw7yzrE8V2wirwLu9G83S3qcOVgu5qmgZNnkLOgiwTZYJVGZ\/t0H2a4i6HaSkBZVXOlJ0MijLyKIzmJoQRHSb\/kw0XE1ZSmfes2Ya46ca4WJLhD6M0DbJvsoxqhF00Sy+mQB09hRJDHZpNjskmJ1leZdQqC6MQMrk0YtecfEWRgyevOFFI4ja5mPEVSliRn\/O2kcXBU3O7DZMTC9pt4\/+6riIpEqI7K+7dHmLe7UOv\/vYgS\/OC3aEFRIPpRpnFd60cB6NcypNQ0dDG86PGqbbIzadObdElGJi+J+kQzBYdgXREDXfI8f0F2+Py\/IgLzhX0UXGzbEZJAsUFkksH5tjn5wTJy+gOReFH2j8fRHL1K6LLwy5NMTGC29HCaiJFDushPKalVl+n7VZ2v3kS8XepYdt+TPTrctNmJ4nk+mY4pYTLexWivDfGveousjfTkzmRwE+F1Rna9mR7v0rQaO2vOxlaOpNKRw\/CyMVOTQyJwaSZeOfk3agJjEGBwkemErrhfbC9NtzBlN8WVedGknKDvTvQAhxnLxjOYq3LPpK9qJPOJ8hhsUrnXdc5i9rB1n4jE1wHYhSqQKoU9lE0JtanHYMuhawYzF4Ym3oQ2tMnOESxc6DHObw3Bq8NIE1MJ7yfyl5MWfZF8r6UvP9zcc\/cn5N1Sfzji9W8HlX5EmksCC0tLPFx6kQ+3nB6CDXMfg9GfYlnsSnqs5Xlbc+tDrq\/6ThWgTc8tJbIZEea10RUYYXqei5HNdPAMorInuZ5W\/EaRai3wncyyOWEkMy4OvcTJKBOZ0yLRwvQiI\/nm5SdxjaIrkfdAQWlcnwlKTJEnTF7Qaf6tSGhN9AmJ2myDaLn2CPVN1CXpmSrFzOal6pRkWxvvA2aH6rCyR0RON94zpjJCKuvybuFAEk3yjeKuLCaWaJhRy4BKNd9w84UcbHEt4VrSTlvw5CSeUPiF15o23y7F3CBtUHLp6pdMp38sudaL+FR03YDwY2r1ECg6zAoU74WKuvjc6jipAKNEM4lzYNFN\/D3Ch1BcQPYBCaQJYJACNuSRAP5k2l5qbbI9Itzh+eTjmpyXLEv+MUHdKTOXxE8gGLUb6AVB+1+7fuEIWYSJJ6x3YQu\/VuFrqlxsUEnrHZ+N5zJbqjTnzHMmLfwJi5cV8JXZF0Zh+1RDUx+6we1cQTXozAKhhQnlsSJVDeAjPtQGAL5KOqa8bW5zZaLR1hKv4lGRGBl+\/UmjLgzp\/Nj9o3IWaf8JmHHuhQWhQE5BE5xM1nNrmQ1BytNj\/Fp3VBIyqWZdrmcwN\/lXCCILS8yXcXaFl3DJp3QsEn7a3SYk02960pWVFVqm44\/NCDmGBJzXQNixtOkJ\/amFMYT68k9qNPK821QUlHejmyXk365QPflUKT0DPnozhYWVR3n7YOOD65unTdvoD3xw0EKidGKwC\/OXfbw\/Wa6V7n8ibBx1lrqnSfltycH5UPn6rsz6ruS+t6M+p5Y\/zSnvi+pH6x13Fm3p9VF8lFll5LYmkSZqIOdypo0X7kaNUGtCrEx1zFUiWwmVKLRcU0T5Q7xPYsVH\/kw7fhowQK+Akpc6fGIDbcntm0hQpw330tc7xRZxIc4mx99WxQAQl6ivAN901SWXl0kek5gI7p6LFRBDV8hKFaexNcJaXnnBuEznmbBNvDd++oFd16tGYwEX4WpnXm57DOdrawZbD1SVNs7MydqXG61XZO4M4+XCcTk40h8au3HtDfGiE1YSXEGU9Y3e4QDEC8+HtwrPixJmnuD8Z7Vh2Hd14eX238y3Oinjo6N2cGRQJyMF\/1Y74pNmttdo8jC2USn4w8NogiXDUETobUkbM+wIzjqiVu2K\/uTw4a+PcE0b6s6B8UTH0I0yBPv3tghRSvfWXAAeWIXx\/mM5gU0UAQPz6SBs5OT1H3AC2YmItf3qL+Sp50OkIcWvcx34jIPgs\/\/MCScSpv1x\/6devIA5F194wuEyH23m9vhdvM\/fyRSkAP7c9Mzf9ZApk9Q7OGJPduRIFP\/4WJv2RhonNvvgA8n\/AeZ5ukjIfY++ORYUFMR70WfBlDJp9hEDndPPz4tTSV35F+YRkzeaXUiywVJC7cMKEegTVp4L5jZvNF959DON5\/cFJvC7f5EoAuHSWttP3\/\/IeOG3c9uWJ0pkk0QaX9SZ0Qp5HIHzXBmvmHztsUcseTs9ojmLkXefqKECxihseWFRvAgkUdGoU80\/YC2sL+QiXj9pLYwM9AxIO7njQu1RTtpdzpMKEOA2n5SH8QcmeG0aZvueHe0eP32RGIGaH96HfSXiZnFtK1VmzLZP+ZBow1pEO1f7u4H\/pxtrYasmhF8NrtlYp7RgFAtaozsE3nTbhbXxvofs5Uc5nDJIamuJT5NQxzJWb4Xr\/cNBUXF9UTzMqnhGTunIsJmRzeUUJM7bMoQeVwTr3pZYOayaCrz0Uui1P5X62nVzckXNBGbFCb5GRRWAQFWqP4O62p9UGbYYRLzCTcUn4zO1XkBMFYXT5ZBwNDzXT6bHQtQ03kbbx2YHdjvoA1QAXL9vQdRxLQviLHjGgLkNYDCKPcr8Frl6c87yGIQH87WYRgTYUz+u5g\/uf+bz+vIoQSN8ZNqiWJomTZIfGAwGJOE0PddPN63M6kuJbOXW+cksX92Yjfxg0Pn9LB\/dj1\/uwXd397+2c1CEHvd3\/7+OUh3CQy7v4P9M4iSNIvI3ydn\/+zFbuKk3d\/u\/jlMfM91ur899H4A3I7+yd8\/Q3u79fr3g\/1zlsXuFpK\/E0RvF21h17\/E3T+nu2Dndu0n3v7Z2e3g1u7+9vfPyS5CpwLyd7B\/ToPAibr2k3D\/vLOjAO7I37Ft75\/d2I1d2BegGcl8GLh9AZoSEIEo6Qoce\/8cbD3bz\/oCZ\/\/sx368jfoCd\/\/sgW0GeqKuvX\/eJf5Iw3X2z5EXRCDtC9z98zaNkqzreAPB\/tne2ju7q4Ic6vbPTuQAB44l7v7ZsR3X6acH+SDvn4M49MK+bXK5\/OyFXuL7pOxYg3b\/7LhO6MSH0Wdr\/+yDKIzTnvwLRC+5ntczwwmkcF8fY\/DF3uCfr1t33b2NFzB+5gbBpv8XgbJ0b5xAUe2f7dhO7K5r2JNnL8kje+g9ovYTR4XBY2o\/6fkwOrLspRvIEKuxn96fxziUvdZ9o3dyGt7MpWkd+tiIkSDZal\/75pCP5\/gwAVe0mLtnJTxSj+q8zRNQDLORVeND9Ff3oD\/psFtxV7phSxtQNn0n0cF1n1zjPLFi+Pcc1l\/sry7+7A46ufSqLnEN+nMPZYH29YMk6F4S3eEqoSZwV\/RARXoke4yMjuJqjqdeNaKlXxrDXRaO0g+ESQyjUfohaZf6o\/RzQZjG0Sj97NTLonCUflkKd720RNIvi+MsTEfpl3lR7Eej9Et3geNmo\/QDoeu78Sj9XLCN0nCUfjAOI8+npF8Msl5aI+kHU+DQ0g9G2xj4o\/QL3cDu6WHpByP0Q0k\/kEAf+pT0C0ASJREl\/dIsHmkg6QcCkKYeJf2CcBfFO0r6xTD0ASP9ktAFgJJ+Xuzvdj4l\/SDM3CygpV+WZEkWM9IvczO3l5md9IviXQAcVvolYZL0HSTSDzowhKz0CzMQ9sMi0i8NYJC5gvRzo40XbQJ3Y38NdPJvGzDyjwxBOBeQHDpNgngVoUAcT+2k\/b1jaHT6\/oOf\/+Dnfwh+njxmrjpg0G9PDfKxtax+g1R66DL1XKGea1TPE+p5RvV8oZ5vVC8Q6gUm9U7CvJyM5uUkzMvJaF5OwrycjOblJMzLyWheTsK8nIzmJRHmJTGal0SYl8RoXhJhXhKjeUmEeUmM5iUR5iUxm5dQqBea1Ittm68Y27ZZTUes6ZjVdMWaRl8jdsTeOma9dcTeOma9dcTeOma9dcXeuma9dcXeuma9dcXeuka9vVQNX1MRrU3XRMoJX1UVPE7XLeGRr6oI2qVrImWGr4oVHIO6IEn4qooYerbVF7HRF8OawqdR+sfSlZG6yVcmUAgGldEhgq+MDxZmH7dFZiX+6yqCLVHtOWmUkewXc\/UoAW0oPDgNygTBw7D7BFI86AT2DzZFnVD3Py+PTEqmLsO3s3JWvvwycUAmwXdx4x2CRP8dNXZG+8XQ1TpgYVcORxXwtvQ+HJf2s7ST03S\/m2s89NonPrkmKW0mIBkYBD5luyRjoRTFj+WhAcFEgoY0TT5uZ2BxCuzHY3QiluhHT5wbRh7xmHAE2whExDVMljXGxE0bWeRZPjpQJy47p\/HtZmckkuEHD48mcTn7N5Rfx+i+cw5ySEf2ETCzyhZIgnL4fgFlSmcol6O64MU4exTfEWZSHy6GpNuw9PwBFYQJCqUT2Imx\/o+AVkBLHJZXWZbxIaV4SEAxE1AkXxC20+pXtHrWh+EKiFo2Lrq5k925kmAPLkfBo9eTepB9snsFatU0bpAtA+UVrlLnrmdkIRViZLjlbTQoZSQL9+ry\/Fg955ukxeobbc6gKPg5vxOXK3uxXi659XqbsR2HBtuxI92O3andeHHOg67\/19udgH0dnQci9t09pg536lhVoxDlm1LqLiKVDBSNjIxSGaHJpHn97el6efohca\/4Dzf4J\/c\/bPt\/sZ\/oSUI+Aq+wxvc1\/eJ0VFsI31xavZWTDf7zAxq85PSyMsYl13MckVnmuRe6vnzP+60tpHa2UER3D+xf5DK850B8NldLFtTggBDbwm9PZ+RF9z3fmNdAsGjf85t8N1EyqEAKIUDPbJ3o5VPtqzV0SQequaPHuv1U8+qFJdAi2v4UMbXeL\/kuWSYQo3L3qs4MOlkp5ualfMIigiVuGyuduoZma85DOlMTvTnqsWJ50G\/lQZd0bLlS68iz5ch02IlNU9c3WnF1JYrrsl0yOYG6lULL6\/Ez5VinlEYs4J0eehTT\/ao7ZWnvzZVtkxPbzfDUNVS4R13yRbmtZKzm9djZpc7fSMb0HyIQDAHaNIPN4GmC97yZoukuJYrwTkQcluVZNe45PDEdw3gV6p7RhzlDqvUEWcq1Y0TnNKT5qqc5J\/PY42YwL+HQKwnSUrJhxNIkrhqnRst17ll96g6JoDkNB2QpIqMxuJ+qmbdvT+0pL8c2RvglU3KghoD7vsLkmaCG8XRjYvo2phvKc3JFcyxUkg6QP09V23+NzfzaVTl8ShrGxnQmXmdOhR0ZEv7tCmbR3c6YuRkiyliYnEH9gh1lMajA5IJF90HrxcvjPC2xlgos+jB0AXnZWt0hlfTREL4T7blzjXfMyFKkBkx9bXrSdD0xZdyLor3GX8\/ALdXm2+vXtrl1TOgpv1Y3c6tSQuJmApdqOo0JKIrq2qpYkjHd\/CPxXFm10FQK3NFPz1iGoLAYfCs6H5nSWPrVGrY3ZWbTY2oNZOdUjRLKslhVljKulU+EFGzSlJvTHBzNT+qz8FWFUcGiUHwK5\/Gf4hU8dudQHnUPnYyz4CsCsTBQ\/LiO9iB4L4M39W0OBjxP89TN9zIR3NXmpTD\/NTcLqCXXeorcQwU10yi1Gyxq1FTc1NWb8awk1R3fJx\/5gzK4mS7Fumoa+cltYvh3CZm+uSSvkwKqT7iPPfMgiOCHnXqWfSkUTmao2xKhKwHfDeiDfzir4X7NtQr91Vt5dAP+jMk9LubgrrZieZKPt1lATiawOlYwkjDG6gkhKlxVmKJSN774sU0\/b2lsH7r7MDdlXlm646X5WaaCu6aacoqiOhYdGqUHGOMNBb5X4nwTB8DDY22dpKmOmd9GgwWHR0zi3qymytq1ESa4ueJ9LRNxrFI4ctsMjvy+wyPeV6cXd28s3cymJpU8tdbqQCl0JiPA97rDV2RBmjHdlSdx3lKhM6OLRwKUzC91wWtxwnmAdmXpXPn+8gI\/shqcYTN07JbV1ZmGo24rKhv6dGSKVcAjLNOl2RX9DhxP5p1ki75JumRVqkQjQ1+t1jDpVX+N1\/lUKe3vL\/BjwcU\/7exI+9uOrk1S+Oquu7Tz0viXmZMAcTuiOs\/7L0o8qyjPSzkUPE+0czw0vHIUat99YeYY9ZJ4GV5q2DRQ4dkyeZ1pRu97zpihlZz0PRd4iXWLc2k\/RVe8FvSkLnnUEZQMxsyvAw2JnHxO4AL7q4zv+W3gXLEDjmatMATRTsEQZAEq0PdGr8B0SpmYwncfEOBn9IV4bfRuMxE10ZHUbcacdJ2XR5o2dmUcvqKtd8ph3TOR1ZFZB\/y0mPcsrt4F946Zjc1iAAydc5ttnPkE77gxySnvO8AnPT00SV0VRQzq\/jV0h6ehfKMpUm4Nvk997qQqCnBpIM6YiX+TOFfcPchVe2Kw4fLk5ePQQdQMXsUO712PXVpspbv8Z+cgFX1xZ7nB9YPvcnNcz\/qbhh4vTajCQOfjU4G+XcHB2ehw8KCzgLHKzvV23sY9QeMR4QGz\/F34DuxB1uJR9G6eT4fBx0zYagjWkEcJOtHBrT8Jat7Cq8of3mACBmg9ODDgWnyWaKq6\/fYEmgSWKd5EuBFKwbX7BanriDOvFymc7MYMklQGlN6rvxc1hmnV5R6yvLfuOU\/TAv5csNRn7U7uvMy7QsMxGLXG3jgVMTvG1oTz089y7F+K3DgEMC275WGbJVNFji8zrJEKIroADVlV+r55EYLkBF2TK3BZPeqaRd4f2ni0tEsceOjiHvIgpAYZsJVxxtL2JsyOYWhK5v6dyzJarbOm9MRMHAuYF6paq0H5MqFOUvIFuVofHnQiV1jK3jSKraASsSaYSHoiMFN1+a3B0qgoZ7Sp3+aB0ztfPYQ03WXm8DYM6ulaPNZr2\/\/+17oqYGfJHDvTp1DQ1l\/R9UfkyP1q222421mbrplntrTtTnoOK5NN+GKsDDA9FUJAdXHnip49fO8\/CMrCXUqcoutpD0YxL6ZLTZEATcwL7zL58N2eUBU\/dFYu3vbCioLQWBQoOpwWcxc4Wt7YHMBFapit6rT4nuavc9ZxWqzSll22GCl5e9dhWSenUavpTWKTn9fsP+I6avOLMrA66o0iPRYtvUkGNpdtIbJpRV0IUP4dMAno6eOuhLxg5tVtm19WBIlTjKxhApp8E\/ONRgHKL6s7ll+fnZK7PdK1N3f54VrtxF3AYfaFj64hY8PzfFGHG0jVAWZzw5M\/Z3muLkMvwy7YTGX5NYy5qWWrvl\/X9KmTYid0RKTixghIzyEp8ouFEj53OsuXwP5lZmxuAi6aG9PxdtSV3Y520N2uNHjYFEFG2b\/vKF0io3PMvGxFNHqVuYRN+\/Hj9sD1IlKXhHUP9j6T6GdtCOt9KOTZy+pPk0oenwX5YIBAfsPr9e1sVQkE5f7ZBujn0JcSbEwvRD9jYd4ieGr0M5QRBMtnO0U\/Q2mdv2K86yyyMa4pKUXyuUP6jofCDpKabR7BTj9nAP0MZUkPqemlUZaGVHkNk2uN8EFjH2OK9+VZUVUI4TPzsx1Np6zQp98\/h\/E2jNzhwW+WvX9O\/GjnAarM2T\/DMEmijCpDkK4eSKmh\/WZ5++dtljrJlipD0K4ZgDu6LvoeQtM1yEvUupP6BPiVKkZ4rck2S3Zssbt\/9rPYwzilVDHCdt\/t4ixji30EEgsjqrgpq7cMFAVq1os9f2uLj5z9cxgEQSx55O6fd37kpbH4yNs\/J14cZq74CGHJZnBHd6PKcRciEADXZosd9Dl2DLehYoTSngFIzRMu9hC\/Ai922WJ\/\/4zYBY5NniBoUZN+7Li+zRY7CCPe3foOW4wQ7+MAYIB6qhhD7wLfD9liHyP2hoCdADzRfhBsE7YYTXK88xKfLcY8lvgwZIu9\/XMawijbssWoSfzPWNxWNURtphHwAsCVI7BcEALP5coxzr5nU4uelOMUBNt063Pl\/v459NMwGVdC0+DJDbPYg4ApRYycBjR\/o1LUYugmnseUeqh\/fkj3ryET60Z+MM7gsQBNQyByHXtD\/md\/jaI1I6CqNxYx3w+o5y8fgvg5gb8j2P0E\/Yxyo0MCRmkIKEGJtoUGf1vgAqpn3QNn\/7z1vHCb8Q9cxNyBGwb8A8RUwQ74Ef+AfGMHjA9e4REzMvCBmzCliKmyKPMDphSvnDgLAVOKAKmD2N46TKm\/f95l0KZaO14ueJwp0xoqdfbPAWqNLUVpJ9w4ongGlXpYbmXAZkpRazH00rEUwLobm+2xpT3vAqYULVGXGTEqRZNpgyhkKeCZTHdUH9IrYVsfeJnHFaP27ND3fbYYfUB7Z4fc2x5KphHbEVeMmozSJKYmA3Rs4wWBzZTi6QxoLkOlLhJkkZ+wFLz9c7wDkBITqBTJ2TCFGS050emZTKjrRlw5ntKtTy83XO5i8eF7CVeOptWPs4CnjycWetTEJkV1TVG7bubRdEg5StqRBF4AuXLEqN42jiKuHO1uLthRs0jKEeZ5mAJItXsqiIx3AcXuqBS1CUJAMTYqdfFWvaNkNipFm7qbhhQLo1Ii3wHFakjpJJOLOJ4tRl8T7gDF2rgYw8KnfgrYYjSzYepFkC0mKVpsasKznIj3LEvDMGSLEWR8BmyKY3ExgjbPQuClbDHmWC\/yONr4W+7iXUyfqKoaIiHoZ7EdZtSD5lRfY5T2hdmXE6sBr6Aswf45TZMddcRIEGJ60+yfYz+Ndj59yIMtOXyGbkwze2IldXVBsjGOqM0isa51jA6wWbbNXPqUd64akCf7Z+jtQEJ9VitP4P45ydII0qUxQNfb++cIRhG9RbfIEw9\/2yyMmf0PP0BnlF3sBxH\/wMWSx\/YEUlgkhZIHeMK92If0hF9hYWVV0+QFOQxtAf+0vCYFBLVkoPjx6SOtK9nhGD3Eq1Yyp\/jhW451gAw1yz+L8wp\/bY\/a8bpHR1hJvgZprq1qcIT4iArpxUoeV+0Jne+3YMsOE2C9IUiD0B+Z8QKrSwE7mQ0omd09cMiZ0hceIJlmR\/RS6h6QvcLeCg\/IdmHHvll6E161SqM0ShNOteKUG6xa8Sc4oloBBzgA8KqVH0dJEnKqVYwyIPGqFUcVq1ZO5EROLKpWbhwmsW2uWqWRE4e2RLWKwC4EHqtaRUng2JxqlUaxRx2BiGoFYi9OWNUqADFJ9UCpVrYThtTO0atWXNO9arWDCYCOoFr5YBelnqBauU4YUu31qpUfe2AHBdVqC5wMuFLVKt0lUSZXrWJ\/F0O5ahWlYZZAqWoVAj+mthhatfIDz45E1SqOtgGlufSqVbqN\/VBUrXZJEuyAqFplO8gX+0hhDdIoEVSrLIUe2AqqVbYFO2rd9aoVRAf9TFCt4sgFXiKoVkHmhNTW26tWyS5NYCaoVjsvTqArqFZBvAuSTFCt3CzcctouHmXsMWpLr1pxHD2oVhxXD6oVTGCYJqJqxXH3oFpxHN6pVhxvdqrVzk2CFPKqFYSZk\/m8apX5IIgE1Sp2nYgyzFCqlRvYm\/5fvXbluJx2BVOYUmuAaFfJLtlRX6DTrrbO1tnKtCs3dhIfSLSrAJ3woES7ApHvBZlEu4JJRPMVpV3F0IsAr11lLoRJzGtXSZgm1CGt166SOA53vHbl+RH0M167stOAtjR12hUEmUvLdaJdgTB1I8BrV0EEkhDw2pXrRXYY89qV4\/qQ2qs77SqLMy8NeO0qc5OUOnr32lW2i\/wdr13FYWi7gNeutpHnOaGgXWUh3KWOoF3BMAl2W1G7SndRkAraFbDD0NsJ2lXoe4mT8doVzGCaBbx2lfhxSq3DTrvaOVGU2Lx2FWSBvUt47crzXSfIRO0qy7IwSUTtKkvTLIpE7SqLYo+a1EG7gt4WujtRu4ptP6Q37l67yvwsoGxCg3aFTh7UrjdoV+ickASidhXFO5\/WgXrtKrTD3XYraFe+7QQ+r115ceBGsaBdOTuH2ik67SqAyS50JdrV1hW1KzfxIEWi1668bJvFgaBdRVniUEbTQbuyk5AaSa9dJX7gebGoXYWJT202vXYFs4i2gfTaVboL6MXQa1fAZgxJvXYVJIzRadSunDiMPSBqVyCMQOjLtCtOBRm0q12SOMxRetCuvCzKdpmgXcFwl9m2qF2lQQCZ8l67SpLtjtrpO+0K7iDMPIl2lUSJG\/sS7WqXxUki064yN3W3YI52xX2FUbsCnus6k9pVCH3g+ZPalTBQWruy7a0buxPalTCnlHZl2zu49aTaVZSEqedItSvha7Da1TYOs3hKu9rhfwTtCvppkqQS7SpLM5uSIKN2lYXJbhdLtCsY7eiNd9SukiAAXizRrpCu6HqPS8j3hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwb2hwam0cAmPCbfzjcLvY\/A4vYYaQb\/edonBThfvgQIj2CzDV9Pm11oozxiy9IyvJ332bUomqSGsLx1TTi2\/Xoa8RQ+OjyFqeDJBJSvoFn\/\/Avy4wR5CesVIv+Fan6HEppNOVoyQ0Vu42i4G5wojWRKs1YO9ttfr\/68clHeNP\/yvl5PzxxCfDtCWaKK3qWUdB8Ndi26C0vH2Wu2ayZm3BEDDLvHJ5DXyGVWC7cgq9JW1+TUZYHsUQO66NljDWI2c9ghR0uOvEp+hZqZ4XOXCTGdNv5Bzvpc3KSGcIeWfybxtGPmKqPIX4FIWoOjQAONP87L4zQRwo4y53E8OOSTLUs5gv9ggyim2yirJqnzSytrhYShDByGuHpNQlSQ17I8CsnnffXLdwu76TcwqcoU1B\/TUz\/MVw1B+jEE7vI9NUlUi+QTyh+zmXxcg1zxlMB1NdMvXPJy+mGbX6YfnvKyvU2tTKy1rQ\/WG4xf8tZCr6V1dbGyvEAWnri41l8cLCX5Ryv62YRDubhCLRJzIwQFEU\/1cTXZOB4CZUNiukser+Vf\/FLnZ+X37hjcSz+VxQeuOlcp\/PbkpiNL9e1vFtTFyHiNITNydDyhD6Y9OBZVDPnKNyz\/8gJHmxPRv2Q2vNSqyuJjYVe62qars5s+1YenoIGEnW1GcNnQ2KxM132tabloH+j4YVUKCDYoRkiPJcuONRh7pdE9JPBpXJs2Ql1jaiLb8Xoj7H3ME0f2RDMdc+eQpFhTBT0GhzGeiExshypHDhnoSNiLAM9GuwvTMgleSvMadkcMErg3Q3bpVwoew7en6gLLkd3JwJhAKs0sMH90OdfuTy8iMpPjwzNhEBzJk1X1eb+6Xi6wTkADF2\/O00nsjHJty1PWUfn23D68eMhkN\/+4qeu8NNEdkwGdmd\/Qtg\/6ofZjUWxzGHOOj0DDUaeXAk0LS5BJn0xFj7k2C4QpiSbzpbGZ5Xu\/F1vxUdys+2didhHZhCyOsBy+QlJUDZwlQCyEjnIT1DhUQKDxrBiewGuOhtWpbkym6TE6eg6SHr6Xq64XFi\/KVgCB9TVWv7IEZipaGuocG\/drxucCMidyw0jXvzIoE8v+D1ibBUzjxJlM1DRZIXj6mfXTtKBu5em2O4iQZdm25Xh0C9Nq94M3SmSvo8Foq9MaQp7wEHYKRQW0yOho+DbOHGP6cnWZ935dvaGs9g8B31MI0xNMXgZwSzq6lk5\/2i81BYyouTI0KVXjo9Vc6wwkkE0sMwFMhiDHNiPyJlOuYR0O2JfVjMmU0IQnJL92a5gyoDDHS2rUml5j4cKLjQ49wcym19EpwRnexN2aB50wBU6fmNUOLlnStObQxLbra9u1mjq5ibJaxNBYJKzbqkKa1XhQQBIZHYG9ULWwcLW55\/vqcjM8ISH5\/1Mra2SmTgIU7YzrHO0MPGa4aGjUNyYN21foe3WP24mlCw2TIYehnhAacqGj7C5KEqDVRJd2yFgD6DoiAzeV9K2bLQtJZdw\/KxhVOS2MuDwrPCdzlcJ9zrBeAZMH3PPnItLZIkgJu1wfiVXSi\/zRXgrSvBqhGE2BwjsrqFI99yn1vKY+lwRCRNTCJ4WBS2syXgds1LMDvi\/prksidEEiXuAIx3j1gm\/ghUcV6hUsdwJ\/xZsAn16ygNF5zhyARFCdZZkbekZ1uUwOnjuJ3mx+gFZuc+z5uuf\/UNi+zM\/X+LhrcrxeamZGDZCtHr5fQJmOJ6iNQR3u0HVTduKwVEHAk5DmDULcTOVt9E\/HnKcoSPtatMKHVDezQunrJw\/Q9Dl2MCB14Lnqg2oDjzcjsSCKAFcBXKa4iaQgzJTdQmrJ\/QtwAF6j99nQcL15xuvtznTztK1GYmkOkaXZ+BaTTB3DMAHNMCYTLwN0f9iy6dowW6mMoUunC+nH9fmrtW\/JUAFPTvnlk7XvtGLO6OJ5wRNPy70B19iY6vC7ms+YinsgysPvcYn6AKMd+iyNRDLuV87KoSAFub3dNsgDgqWIygyq7tVtzMEzE1BwS8vAiLVLK2EoDaT5g48miFNkd2jGUhAvq+58IrexTNmRll6Ln\/KL\/Lwy1QF+Nj5H2KJ+WTU4Tx6mNVh3ntqul18YkG4NOrdxdo6e9mhDUhuIBq2qefv2VIM3DtwefWBQIw\/NNIdl+8XxghQeN7T8QS6a643ocLXEMUPXwRbWKIxF18nIFjqZt2wfcbzSo\/rIutEod4yQ0Sv7zWJUAn9Fho31eAdsy9RFyg0OOdn5tlRtVF4Yzbwa6oY212AG2rbO407w2r38Z8Q+BfLr+YKf1bwjoWAhVR05OSlZn0FBeV50RwqFATFHC0yyo6iui9Dw++siB3HABpUQpF0CekxmSGVKmEgJSHVrfwLNl\/5GsQAf65uqO4Z9UjfJKP\/0lW7EJ1+MuIu7UDeazjPlLjxd4V5QzNVpkpHeHHq2v31SObO6EQ04u7rXzvsAI6\/j\/V5WXtxZM0Pv4k4Zm0RJZ1CiNllnSCciyppL9SdQNj5oRbq2X8oqnmw7UhmSuxtAMmNWeKdp2Z0wLOtPceRm9sYsddZasNrNOiibXk8an5fn7iWiNSFSuxqZ37CjqZIr8QZ3ltp7T5UhQNcrSs1n9fifag9ftVGdcCfixMGfmppC\/Ctq\/osV2L9sLIzyLUmJsOtB6MWr0XkOkqjHc08yumwGQb9E0XmmE74mCQxkPdelG\/A5h78+t\/Mshz80ogWTYJ34nVhwlxp949WUmpFS59\/12Esodet19ab0d0cvcGYMEzc\/yi2DYV6cbkvbo1HZwcKPzZNDTbSa0It6YC8L8mcv9qNE\/XlV9+f19tjbwkteauRRn9nG7i9rA9rv1mGM9Thj4uCvaZyDhvRjtgMx3j4Fn1MN40n8zPRumqgp1rXO73JALF\/ViGZyAnXL5pVQmHwvoH6ZNIJQIRCDQmuonWHCFmLuG77EJ3IVraoXyJpPMUTJuns05J\/5GuloZ8lCymFfglJtg7pGA\/dXnq49pKHehGZohZZrSNKMa9LM20Qr1HGKa0n7GUDczdXddz879ZIr4HF0BUIevWRfdFxNpdGFFVF4mC28gEdiiJtwwpbeYnE2DDX1M2wB4xtLjtmf5m2F2kQ2UWbCiJWU8UW0NRNuNdd4we7Kasz2hBfw4s2q6xjJyFKAISHL73UuQe3HoOYFoiI9ka+b5xjUlOPM+YKMvMiAutHbvaX1lIbXnWB3JYBGa7HMkZS5kjJPUuav13MH3SMPLRn4WHfm4EdopbW83JkodyfKvYnyJRNS5csmA9ebOxEY3GktljmSMldS5knKFgwaoTItGTSpN3PQBF5qLZY5kjJXUuZJyhay\/lK2X8TyMnaXsbqMzWUsvmjQCJVq0ahJxbnDJiBba0mhIyt0ZYWerHDB2H9bMu7fZo\/5N8teo\/gg+xeu2FmjwpUvPHDXqHAVCg+8NSpcRcIDf40K53\/9ZtEyx9XmfvlGWOQY40wscsUiTyxa8L0JJtiSAfc1Z465Bzpby0odaakrLfWkpQum4BXl0J0\/flxt5uAx0NpaKHLEIlcs8sSiBaM9Xi5LRourzRwtBnpbC0WOWOSKRZ5YtGC0ANZLRourzRwtBppbC0WOWOSKRZ5YtGC0CCFuyXBJvZnjJVB3a7HMkZS5kjJPUraEocEi8YWrzWVoIAgujLMnFrlikScWLTp6F6BedvbGFWcfvjHc31pS6MgKXVmhJytcMHaM0bdk7F3FmWPvIAfXkkJHVujKCj1Z4ZKxnxZpXLja3HGfBH0L4x2KRa5Y5IlFC0aLvE2WDJfUmzleArq4FsscSZkrKfMkZQsGjdASlwya1Js5aAL7uBbLHEmZKynzJGXyQTNOeAT5ceqymgKH1FLCUJFKQvgNPR0CLammRN7R0sJglEpK+A0tnQ68Ukmpe0dLC8FdKgmhF7RUMDqmkgx+Q0uHoGkqCZFXtJTyBCrJ5PKga4YGAetUkiGv6PkarycFpW7BHYxCDkXSjo60s5i0qyPtLibt6Uh7i0n7OtK+IWmNKQj52CyzBZGas41BBCd2LSt1pKWutNSTlhpI6L4HivkdOmlIy9HTckxpuXpariktT0\/LM6Xl62n5WloIoVYpjdALj\/aNL9+\/PcVvD\/jiPaG7P3dP6O5v3RO6+0P3hO7+yogQONaPmWxE6CGTjQg9ZLIRoYdMNiL0kMkmNykKSt1VixEdR0fHMaPj6ui4ZnQ8HR3PjI6vo6MXXRTCuPp0P763aO+noMr17XQvLm4Ig57rm8GvLW5EZpmRNIJfW9wIAmHXt4HeWtxEnBtMVZwvn6gjNGjgCO\/4EgRX3uBbkBcXN4QR6vXN4NcecYwlAPRLjrF9zZnH2B5Vfy0rdaSlrrTUk5ZqrSsoHqORxc9MeMcIgGjeAz2K+ViCha6p\/bgmYz1sqWP8\/\/xCnOJnxR\/1bQ3cgBDN0VkX1Mh4Q7WjAQaW04FYGE30Fvluaj5vgsLWoSxS3ELj2q9w2DL2+vJ7jFSJXzVymGtaq2k\/CjjhPX+XOxju5u0RuKjYuexto3aJf1MFqbPusTpMKXn8MSvIUGI8tQxDb2gPDjjxnpIOfkNvM0OJ\/Tg6JLPhOX\/\/kperpj7GG86GhuqsV0HwywZz4AXUsNSbHknuv5ltkUrrlWezjTHaHPK3helKWlPXq9+Ux9zfDNT135QH3N8MlPTflEfb3wxU89+Uh9rfDBTy35TH2d8MzrIkwSJHBK8qJYzakJpR59VbtZB1cpdAowthO4ucQlGIGGwbDQ6JFFa8j3PwBQizIbDDEHVjXoAV6fKNr4TpU\/JtElLD+ZRIwceDptwH0yEEJRvgdnCRXz0a8qzAL\/J1zICKFAAcZnz7CVhFBjGQ2sEbYgydYXnFG71xhbzMTd9t3vILBkb\/ZBgjDbR\/J16I2PBc5RkGzYcG3kIAUKRzGrgeExPs\/06wRo\/NDYMjwtzZyw7N3dx4sIH\/HpSEwKG+BY6vUqApsshGd0AqDtJEIQ6x5rUctHxcp\/cBlw90iNjCuKO66OwRsNE4SnP1Ei8KKhlDmy7vBHrgbvb27grurCp0UjCO\/mbSnKgUXSpwmsZH7ZBuJGpgOKCkPWbBq4WSkYY5sL2INaKd0ZlyYpDwqPq3p7xsLjBpRxmP87NtDGufIWiuNeRqD3gASV01DZrD6UG8wA\/1cXU74gBQ0AAaRIA+vj4vv3gomH5DcwaSXes1tUAGm8E\/+v4SifsLYmZ\/bgIfPOtz9xdUh88T00HRzE7WI8nN435Obh7ca2T2kYHt+4ydaEa49kD1e5q\/Lon8d42or9KUCge9bw5IbpkpW2JIncGUhikCoW9miGMsrEqy6CjM4sH47Pki+ocCTnRE+CX12O5RoGbjJaEG\/+FUKYQlsWrOoChuDwqAxSqRiaUjGC0dAZ0cUY9koTp2zLNy4M7Olbi40vc\/SW0jmloW0OmS8Y2GmZ+IFzY63MwR\/OoVIDNqPBJ0cdSiB9Bmn7KM4+QGMyYBL5teDsA3q4ZopLOA2HCPGCmonvFpNQH9XwIuqNEbDxzAGRcDBR5oDdO8bSZACGSGyoXgAF1D35vrGX17kx1lwFXh7Vz8rY5xq\/t9f6RLYQvyorHOoH6h83kZkbPOBEVPvZ0QlDeYVHWXyPlaphAzLv\/IGEUX1xvIGGaJIn1m\/5xrntZyEDly8VRVN3Hy45lRO9+L\/KZlUyNKKzKz87IaKTGWYljQ2FDj4BwK48sacQP7kl79RQDfS7KuE0XtWAPE6N+eQFugACimV1hi9IT73aBDB8TXABNIoDW8QNB+cdwNk8wOm7iv59IiixUNBuU90192kikSgYk0Nb6PKmd7VeSjZl4+weJi8movSfEUkHEhUPI\/o8N8udoadq2XpgyV3erPK8shk1sjLW4g66vT3bfXRpmhcyGmNpqSm0ILWiTfme2IVgMMZBPVGcq24zh2ctKD1QQL96MuRd9NnrHibtvlFJ6szHT5O+4UStzxPmsh0V0mWk6uKF6i\/Wf0lyinxs+3DeVyqmvsRiCq90kBzpcvPrbZbP3X0ybE9TRpmgbo03oEv5nKm+S4aoIkfTGmiO8gFUkbuqERnGqqua37iyQPC\/7XprN3bzXZJKSnoLA7rDPmzIj8a4RAjVIrYHu+Ae40kewj9vNnYUnPaAcjJQtimRGoLoX7RAPvu0rhw2Aib0zQiA3gqyjIXqKL6l\/GPl+EdKCD7m+4b2qIrj6wALVABXcoHSwXhq8nq4NbetS6UCMvCrWxqs4DGesYD+1eI3YqMoaK24TeZWJoVdopzTUnL4DwOGjxMBDVX5D08gXXw4T9sJNnkmuOrUaa5SXpnI8O0z\/\/coZpDlZfLjXMYN1YNUyvCUytc9X7TaK\/p8V0l1CVzoSFNSSxAzfaWSQpconzITmiptUZ5OWPG9q+UqRS7xnPquqlAKNrVWrF61XgUtAvzM47NREpOK6+XpFjVdco+u2H0d17V7WNSUWi1f+4\/xLeQcf67mtQnza0FdtkDY95gwxBCPYTl8APGCPsWUl+Aupjk2MFclkDdTP5dfGmhA4M+WU1ZT1qT\/AMrbY6Hgu4iq9t2yH4DxaUkPYe0iDGTp12z4V1BlIEZZx4d09vofYkXnkCylcwaTA5F1ZVDkyNX73hr5kXefuxXxFLnUllcuPF2nwuoLTe8X8\/lGNcfT2DS5HHNT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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-n260ww6o.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n260ww6o.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n260ww6o.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n260ww6o.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n260ww6o.nxe :where(ul,ol){padding-left:20px}#nxe-n260ww6o.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n260ww6o.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n260ww6o.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n260ww6o.nxe svg{display:none}#nxe-n260ww6o.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n260ww6o.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n260ww6o.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-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A09 \u00b7 TOPIC \u00b7 financial-conduct-protection<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Financial Regulation Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Financial regulators and consumer protection<\/h1><p class=\"nx-tagline\">Protecting financial consumers depends on rules and on the institutions that apply them: an authority with a clear mandate, real independence, adequate resources and accountability to the legislature and the public. This page explains how institutional design shapes conduct protection, how integrated, sectoral and Twin Peaks models allocate prudential and conduct objectives, how independence and accountability are measured, and how complaint and redress systems close the loop when protection fails.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Financial regulators and consumer protection: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Activity and exposure in World<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Supervisory review console, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Financial regulators and consumer\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" 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\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Supervisory independence is the legal and practical freedom of a financial authority to act without undue influence from government or industry, balanced by accountability to the legislature and the public. Consumer protection depends on it, with a clear mandate, adequate resources and working redress through ombudsman and compensation schemes.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><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\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in World.<\/h2><p class=\"nx-lede\">For financial conduct protection, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on World; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"world:finance\" data-ml-src=\"finance\" data-ml-plan=\"p-6f37d73d\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-180,-58,180,84\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, World: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-time=\"latest\" data-wm-op=\"0.7\" data-wm-short=\"Land cover\" data-wm-prov=\"NASA LP DAAC\" data-wm-kind=\"Satellite classification; latest year GIBS publishes\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land cover type (IGBP), yearly<\/span><span class=\"nx-wm-layer-src\">NASA LP DAAC MODIS Terra and Aqua land cover (MCD12Q1) \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"cover\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For financial conduct protection, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on World; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/financial-conduct-protection\/#map\" data-nxf-title=\"Financial Regulation Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><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\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Supervisory review console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-regulation-supervision\" data-cx=\"regulation.supervision\" data-variant=\"section\" aria-label=\"Supervisory review console: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Supervisory review console<\/h3><p class=\"nx-fk-sub\">Financial regulators and consumer protection \u00b7 Bank supervision \u00b7 Cycle 2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>10 findings overdue<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Regulation Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Firms by risk rating<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-regulation-supervision-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-regulation-supervision-t0\" aria-label=\"Firms by risk rating\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Firm<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Impact<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Risk rating<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Open findings<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Intensity<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-regulation-supervision:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Bank B<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"6\">6<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Bank D<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"1\">1<\/td><td>Standard<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Insurer Alpha<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"5\">5<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Fintech F1<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Light<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Findings<\/h4><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"3\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Open<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"watch\"><span class=\"nx-cx-ct\">Model validation gaps<\/span><span class=\"nx-cx-cm\">Bank B<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Remediating<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Climate data quality<\/span><span class=\"nx-cx-cm\">Insurer Alpha<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Closed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">Liquidity reporting<\/span><span class=\"nx-cx-cm\">Bank D<\/span><\/div><\/div><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Climate expectations met<\/h4><p class=\"nx-fk-panel-sub\">share of firms, thematic review<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 128\" width=\"460\" height=\"128\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Climate expectations met\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"124\" y=\"19\" text-anchor=\"end\">Governance<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"neg\" x=\"132\" y=\"4\" width=\"175.7\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"313.7\" y=\"19\">84 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">Risk management<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"neg\" x=\"132\" y=\"34\" width=\"103.9\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"241.9\" y=\"49\">50 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Scenario analysis<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"neg\" x=\"132\" y=\"64\" width=\"78.9\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"216.9\" y=\"79\">38 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"124\" y=\"109\" text-anchor=\"end\">Disclosure<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"neg\" x=\"132\" y=\"94\" width=\"143.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"281.6\" y=\"109\">69 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"90\" width=\"460\" height=\"30\"\/><\/g><\/svg><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Supervisory review console: the screen's structure, terms and states for Financial regulators and consumer protection.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><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\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Financial regulators and consumer protection: how the risk develops.<\/h2><p class=\"nx-lede\">Consumer protection, conduct and independent regulatory authority. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Objectives compete inside one authority<\/h3><p class=\"nx-p nx-mt-1\">When prudential and conduct mandates share an authority, one can be subordinated to the other, for example by tolerating unfair practices that support a weak firm's profits. Twin Peaks models separate the two; integrated models rely on internal governance.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Capture develops gradually<\/h3><p class=\"nx-p nx-mt-1\">Close contact with industry, funding through industry levies and staff moving between authority and firms can shift an authority's perspective without any single improper act. Transparency and rotation are common safeguards.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Independence needs accountability<\/h3><p class=\"nx-p nx-mt-1\">Operational independence protects supervisors from political and industry pressure, but without published objectives, reporting and legislative scrutiny it can weaken legitimacy. The Basel Core Principles treat both together.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m4.93 4.93 4.24 4.24\"\/><path d=\"m14.83 9.17 4.24-4.24\"\/><path d=\"m14.83 14.83 4.24 4.24\"\/><path d=\"m9.17 14.83-4.24 4.24\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Redress gaps leave harm unresolved<\/h3><p class=\"nx-p nx-mt-1\">Without accessible complaint handling, ombudsman schemes and compensation when firms fail, consumers bear the losses of misconduct and the authority loses the signal that complaints provide.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><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\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Twin Peaks model<\/td><td data-label=\"Definition\">A supervisory structure with one authority for prudential regulation and another for conduct.<\/td><\/tr><tr><td data-label=\"Term\">Integrated supervisor<\/td><td data-label=\"Definition\">A single authority responsible for supervising banks, insurers and markets.<\/td><\/tr><tr><td data-label=\"Term\">Compensation scheme<\/td><td data-label=\"Definition\">A fund that pays customers when an authorised firm fails and cannot meet claims.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><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\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Supervisory independence<\/td><td data-label=\"Unit\">presence of legal protections from political and industry instruction<\/td><td data-label=\"Cadence\">per survey round<\/td><td data-label=\"Source type\">World Bank Bank Regulation and Supervision Survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Head of authority term protection<\/td><td data-label=\"Unit\">fixed term in years and grounds for dismissal<\/td><td data-label=\"Cadence\">as legislated<\/td><td data-label=\"Source type\">Founding statutes<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Authority funding model<\/td><td data-label=\"Unit\">category: budget appropriation, industry levy or mixed<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Authority annual reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Supervisory staff per supervised institution<\/td><td data-label=\"Unit\">ratio<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Authority annual reports and surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Legislative accountability hearings<\/td><td data-label=\"Unit\">count per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Parliamentary records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Ombudsman case resolution time<\/td><td data-label=\"Unit\">days from referral to decision<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Ombudsman annual reviews<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Compensation scheme coverage<\/td><td data-label=\"Unit\">currency amount per eligible claimant<\/td><td data-label=\"Cadence\">as amended<\/td><td data-label=\"Source type\">Compensation scheme rules<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Core Principles on independence and accountability<\/td><td data-label=\"Unit\">observance grade<\/td><td data-label=\"Cadence\">per FSAP<\/td><td data-label=\"Source type\">IMF and World Bank detailed assessment<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/financial-conduct-protection\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><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\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Financial regulators and consumer protection as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a09-topics-financial-conduct-protection-p-t nx-dag-a09-topics-financial-conduct-protection-p-d\" data-nx-z=\"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\"><title id=\"nx-dag-a09-topics-financial-conduct-protection-p-t\">Financial regulators and consumer protection: the policy cycle<\/title><desc id=\"nx-dag-a09-topics-financial-conduct-protection-p-d\">A problem reaches the agenda, options are formulated and appraised, consultation tests them, the mandate holder decides, implementation and monitoring follow, and evaluation feeds the next agenda. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">World Bank Bank Regulation and Supervision Survey<\/td><td data-label=\"What it gives\">Supervisory structure, independence, powers and resources across countries<\/td><td data-label=\"Licence class\">Free and open, CC BY<\/td><\/tr><tr><td data-label=\"Source\">IMF FSAP detailed assessments<\/td><td data-label=\"What it gives\">Assessments of supervisory responsibilities, independence, accountability and resources<\/td><td data-label=\"Licence class\">Public, IMF copyright and terms<\/td><\/tr><tr><td data-label=\"Source\">Authority founding statutes and annual reports<\/td><td data-label=\"What it gives\">Mandates, governance, funding, staffing and accountability arrangements<\/td><td data-label=\"Licence class\">Public records, terms per authority<\/td><\/tr><tr><td data-label=\"Source\">International Network of Financial Services Ombudsman Schemes<\/td><td data-label=\"What it gives\">Membership and practice of ombudsman schemes<\/td><td data-label=\"Licence class\">Public, terms per network<\/td><\/tr><tr><td data-label=\"Source\">FinCoNet reports<\/td><td data-label=\"What it gives\">Supervisory practice in financial consumer protection<\/td><td data-label=\"Licence class\">Public, terms per FinCoNet<\/td><\/tr><tr><td data-label=\"Source\">Parliamentary committee records<\/td><td data-label=\"What it gives\">Hearings and reports holding financial authorities to account<\/td><td data-label=\"Licence class\">Public records, terms per legislature<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/financial-conduct-protection\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Legislatures<\/td><td data-label=\"The question\">Which supervisory architecture to adopt and how to protect independence and accountability<\/td><td data-label=\"Evidence this page serves\">Comparative architectures, statutes and assessments of observance<\/td><\/tr><tr><td data-label=\"Who decides\">Governments and appointing bodies<\/td><td data-label=\"The question\">Who leads financial authorities and on what terms<\/td><td data-label=\"Evidence this page serves\">Comparative appointment and term protections<\/td><\/tr><tr><td data-label=\"Who decides\">Boards of financial authorities<\/td><td data-label=\"The question\">How to manage conflicts between objectives and guard against capture<\/td><td data-label=\"Evidence this page serves\">Governance practice and peer authority arrangements<\/td><\/tr><tr><td data-label=\"Who decides\">Ombudsman schemes and compensation schemes<\/td><td data-label=\"The question\">How to make redress accessible, timely and consistent<\/td><td data-label=\"Evidence this page serves\">Comparative scheme design and published performance<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Comparative maps of supervisory architectures and conduct mandates<\/li><li>Briefs on independence, accountability and funding models<\/li><li>Learning material on capture risk and its safeguards<\/li><li>Guides to redress and compensation arrangements across jurisdictions<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Researchers on conduct protection ask how independent authorities protect consumers effectively.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>How are conduct regulators structured, and how do twin-peaks and integrated models compare?<\/li><li>How is regulatory independence protected from political and industry pressure?<\/li><li>How do authorities balance consumer protection with access to finance and innovation?<\/li><li>How effective are enforcement and redress mechanisms in changing firm behaviour?<\/li><li>How can vulnerable consumers be identified and protected?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms-and-drivers\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms and drivers<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Independence and accountability.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Conduct regulators need independence to resist capture by the industries they oversee and short-term political pressure, but they also need accountability to parliaments, courts and the public. Institutional designs vary: some countries separate prudential and conduct supervision, others integrate them. Each model has trade-offs in coordination, focus and expertise.<\/p><p class=\"nx-p\">Protection also depends on redress: complaints handling, ombudsman schemes and compensation arrangements. Research suggests that enforcement credibility, clear expectations and attention to outcomes, rather than process alone, influence firm behaviour. Vulnerable consumers, including those with low financial capability or in difficult circumstances, often need particular attention.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How the evidence is built, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Institutional comparison<\/h3><p class=\"nx-p nx-mt-1\">Comparing regulatory structures with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\">policy and institutional science<\/a>. Context shapes performance.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Enforcement analysis<\/h3><p class=\"nx-p nx-mt-1\">Studying published enforcement actions. Published actions are a fraction of supervisory activity.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Consumer outcome research<\/h3><p class=\"nx-p nx-mt-1\">Analysing outcomes with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/financial-economics\/\">financial economics<\/a> and behavioural methods. Data on outcomes is limited.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Accountability review<\/h3><p class=\"nx-p nx-mt-1\">Examining oversight of regulators. Formal accountability may differ from practice.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Policy, institutional and decision science<\/span><span class=\"nx-mledger-role\">Regulatory impact assessment \u00b7 Comparing supervisory architectures<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/policy-science\/\" aria-label=\"Policy, institutional and decision science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/game-theory\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Game theory and mechanism design<\/span><span class=\"nx-mledger-role\">Home-host cooperation in resolution \u00b7 Regulatory competition between jurisdictions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/game-theory\/\" aria-label=\"Game theory and mechanism design: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/data-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-mledger-role\">Mapping templates to a common model \u00b7 Entity resolution with identifiers<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/data-engineering\/\" aria-label=\"Data engineering, interoperability and stewardship: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Legal independence on paper can differ from independence in practice, which is hard to observe. Survey responses are self-reported by authorities. No institutional model is shown to outperform the others across all settings; outcomes depend on resources, culture and leadership. Financial Regulation Nexus is independent of every regulator, holds no regulatory authority, and gives no legal advice on any complaint or claim.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is a Twin Peaks model?<\/summary><div class=\"nx-answer\">An institutional design with one authority for prudential supervision and another for conduct, as in Australia and the Netherlands. It aims to give each objective a dedicated champion.<\/div><\/details><details><summary>What is an integrated supervisor?<\/summary><div class=\"nx-answer\">A single authority supervising banks, insurers and markets for both prudential and conduct objectives. It simplifies coordination but must manage competing objectives internally.<\/div><\/details><details><summary>Why does supervisory independence matter?<\/summary><div class=\"nx-answer\">Supervisors must sometimes take unwelcome action against powerful firms or in politically sensitive moments. Independence protects that action; accountability ensures it serves the mandate.<\/div><\/details><details><summary>Why emphasise regulatory independence?<\/summary><div class=\"nx-answer\">Because conduct regulators must be able to act against powerful firms. GRA's research respects that independence and never seeks to influence individual regulatory decisions.<\/div><\/details><details><summary>Does GRA represent consumers or firms?<\/summary><div class=\"nx-answer\">GRA is a business league for the industry as a whole. Its research is published for public understanding; it does not represent individual consumers or firms in disputes.<\/div><\/details><details><summary>How does this relate to the chapter?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/chapters\/financial-conduct-and-consumer-protection\/\">financial conduct and consumer protection<\/a> chapter develops a specialist line of work on this topic and on market conduct.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Financial Regulation Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/prudential-regulation\/\">Prudential regulation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/market-conduct-and-consumer-protection\/\">Market conduct and consumer protection <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/macroprudential-policy\/\">Macroprudential policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-technology-regulation\/\">Financial technology regulation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/supervisory-data\/\">Supervisory data <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/cross-border-supervision\/\">Cross-border supervision <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/\">Financial Regulation Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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