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Point and figure (P&F) is a charting technique used in technical analysis. Point and figure charting does not plot price against time as time-based charts do. Instead it plots price against changes in direction by plotting a column of Xs as the price rises and a column of Os as the price falls.

The Polak model is a monetary approach to the balance of payment published by J. J. Polak in 1957. It seeks to model a small, open economy operating under fixed nominal exchange rate. Polak suggest explicit links between the monetary and external sectors. Polak results continue to form the theoretical bases on which the IMF Financial Programming are carried out.

POLi Payments Pty Ltd (formerly known as Centricom) is an online payments company based in Melbourne, Australia. It is the developer and provider of POLi, an online payment system that is used by merchants and customers in Australia and New Zealand. POLi Payments was acquired by SecurePay Holdings, a fully owned subsidiary of Australia Post, in December 2014.

Polkadot is a decentralized, nominated proof-of-stake blockchain with smart contract functionality. The cryptocurrency native to the blockchain is the DOT.

Polygon (formerly Matic Network) is a blockchain platform which aims to create a multi-chain blockchain system compatible with Ethereum. As with Ethereum, it uses a proof-of-stake consensus mechanism for processing transactions on-chain. Polygon's native token is POL, an ERC-20 token which allows for compatibility with other Ethereum cryptocurrencies. It is operated by Polygon Labs.

Polymer banknotes are banknotes made from a synthetic polymer such as biaxially oriented polypropylene (BOPP). Such notes incorporate many security features not available in paper banknotes, including the use of metameric inks. Polymer banknotes last significantly longer than paper notes, causing a decrease in environmental impact and a reduced cost of production and replacement. DuPont

Portfolio optimization is the process of selecting an optimal portfolio (asset distribution), out of a set of considered portfolios, according to some objective. The objective typically maximizes factors such as expected return, and minimizes costs like financial risk, resulting in a multi-objective optimization problem. Factors being considered may range from tangible (such as assets, l

In finance, a position is the amount of a particular security, commodity or currency held or owned by a person or entity.

Simply stated, post-modern portfolio theory (PMPT) is an extension of the traditional modern portfolio theory (MPT) of Markowitz and Sharpe. Both theories provide analytical methods for rational investors to use diversification to optimize their investment portfolios. The essential difference between PMPT and MPT is that PMPT emphasizes the return that must be earned on an investment in

Powa Technologies was a UK-based technology company, known for its commerce, mobile commerce and e-commerce services.

A dual-currency note (DC) pays coupons in the investor's domestic currency with the notional in the issuer's domestic currency. A reverse dual-currency note (RDC) is a note which pays a foreign interest rate in the investor's domestic currency. A power reverse dual-currency note (PRDC) is a structured product where an investor is seeking a better return and a borrower a lower rate by tak

In marketing, premiums are promotional items — toys, collectables, souvenirs and household products — that are linked to a product, and often require proofs of purchase such as box tops or tokens to acquire. The consumer generally has to pay at least the shipping and handling costs to receive the premium. Premiums are sometimes referred to as prizes, although historically the word "prize

Premium Bonds is a lottery bond scheme organised by the United Kingdom government since 1956. At present it is managed by the government's National Savings and Investments agency.

Presearch was a decentralized, privacy-focused metasearch engine. Presearch, which operated from 2017 to 2026, was developed by Presearch.org, originally a Canadian-based organization. The platform enabled users to query Web's search engines through a distributed computing network operated by independent node operators, which kept user data and searches private.

In economics and finance, present value (PV), also known as present discounted value (PDV), is the value of an expected income stream determined as of the date of valuation. The present value is usually less than the future value because money has interest-earning potential, a characteristic referred to as the time value of money, except during times of negative interest rates, when the

The Price Revolution, sometimes known as the Spanish Price Revolution, was a series of economic events that occurred in the second half of the 16th century, and most specifically linked to the high rate of inflation that occurred during this period across Western Europe. Prices rose on average roughly sixfold over 150 years. This level of inflation amounts to 1.2% per year compounded, a

Princess Connect! Re:Dive (Japanese: プリンセスコネクト！Re:Dive, Hepburn: Purinsesu Konekuto! Ridaibu) is a Japanese science fantasy role-playing video game developed by Cygames. It was released in Japan on February 15, 2018, for Android and iOS, and on May 22, 2018, for Microsoft Windows via DMM Games. Mobile version would later be released in other regions.

A prize-linked savings account (PLSA) or lottery-linked deposit account is a savings account in which some of the interest payment on bank deposits or marketing dollars are distributed as prizes based on chance. They are attractive to consumers as they function both as a sweepstakes or game of chance (as there is a small chance of a large prize) and as savings vehicle (the deposit is nev

In marketing, product bundling is offering several products or services for sale as one combined product or service package. It is a common feature in many imperfectly competitive product and service markets. Industries engaged in the practice include telecommunications services, financial services, health care, information, and consumer electronics. A software bundle might include a wor

A product manager (PM) is a professional role that is responsible for the development of products for an organization, known as the practice of product management. Product managers own the product strategy behind a product (physical or digital), specify its functional requirements, and manage feature releases. Product managers coordinate work done by many other functions (like software e

Product placement, also known as embedded marketing, is a marketing technique where references to specific brands or products are incorporated into another work, such as a film or television program, with specific promotional intent. Much of this is done by loaning products, especially when expensive items, such as vehicles, are involved. In 2021, the agreements between brand owners an

Product strategy defines the high-level plan for developing and marketing a product, how the product supports the business strategy and goals, and is brought to life through product roadmaps. A product strategy describes a vision of the future with this product, the ideal customer profile and market to serve, go-to-market and positioning (marketing), thematic areas of investment, and mea

In economics, the profit motive is the motivation of firms that operate so as to maximize their profits. Mainstream microeconomic theory posits that the ultimate goal of a business is "to make money" - not in the sense of increasing the firm's stock of means of payment (which is usually kept to a necessary minimum because means of payment incur costs, i.e. interest or foregone yields), b

Proof of space (PoS) is a type of consensus algorithm achieved by demonstrating one's legitimate interest in a service (such as sending an email) by allocating a non-trivial amount of memory or disk space to solve a challenge presented by the service provider. The concept was formulated in 2013 by Dziembowski et al. and (with a different formulation) by Ateniese et al..

Proof-of-stake (PoS) protocols are a class of consensus mechanisms for blockchains that work by selecting validators in proportion to their quantity of holdings in the associated cryptocurrency. This is done to avoid the computational cost of proof-of-work (PoW) schemes. The first functioning use of PoS for cryptocurrency was Peercoin in 2012, although its scheme, on the surface, still r

A property derivative is a financial derivative whose value is derived from the value of an underlying real estate asset. In practice, because individual real estate assets fall victim to market inefficiencies and are hard to accurately price, property derivative contracts are typically written based on a real estate property index. In turn, the real estate property index attempts to a

Prosus N.V. is a Dutch investment group that invests and operates across sectors and markets with long-term growth potential. It is among the largest technology investors in the world.

Psychological pricing (also price ending or charm pricing) is a pricing and marketing strategy based on the theory that certain prices have a psychological impact. In this pricing method, retail prices are often expressed as just-below numbers: numbers that are just a little less than a round number, e.g. $19.99 or £2.98. There is evidence that consumers tend to perceive just-below price

Public capital is the aggregate body of government-owned assets that are used as a means for productivity. Such assets span a wide range including: large components such as highways, airports, roads, transit systems, and railways; local, municipal components such as public education, public hospitals, police and fire protection, prisons, and courts; and critical components including wate

In the context of stock markets, the public float or free float represents the portion of shares of a corporation that are in the hands of public investors as opposed to shares held by promoters, company officers, controlling interest investors, or governments. This number is sometimes seen as a better way of calculating market capitalization, because it provides a more accurate reflecti

Publix Super Markets, Inc., doing business as Publix, is an employee-owned American supermarket chain headquartered in Lakeland, Florida. Founded in 1930 by George W. Jenkins, Publix is a private corporation that is wholly owned by present and past employees and members of the Jenkins family. Publix operates throughout the Southeastern United States, with locations in Florida (897), Geor

Puffery is undue or exaggerated praise. Puffery serves to "puff up" what is being described. In law, puffery is usually invoked as a defense argument: it identifies general praising speech, typically produced by a seller, which is not expected to be relied upon and does not give rise to legal liability. In a circular manner, legal explanations for this normative position describe the non

In finance, a put or put option is a derivative instrument in financial markets that gives the holder (i.e. the purchaser of the put option) the right to sell an asset (the underlying), at a specified price (the strike), by (or on) a specified date (the expiry or maturity) to the writer (i.e. seller) of the put. The purchase of a put option is interpreted as a negative sentiment about th

In finance the put/call ratio (or put-call ratio, PCR) is a technical indicator demonstrating investor sentiment. The ratio represents a proportion between all the put options and all the call options purchased on any given day. The put/call ratio can be calculated for any individual stock, as well as for any index, or can be aggregated. For example, Cboe volume and put/call ratio data i

Q-commerce, also referred to as quick commerce, is a type of e-commerce where emphasis is on quick deliveries, typically in less than an hour. Q-commerce originally started with food delivery and it still represents the largest chunk of the business. It has quickly expanded to other categories particularly for grocery delivery, medicines, gifts, and apparel.

QIWI plc was a Russian company that provides payment and financial services in Russia and CIS countries. The group includes QIWI payment system, QIWI Bank, CONTACT money transfer system, Factoring PLUS, Flocktory, and RealWeb. The company has representative offices in three countries.

Quick Response Code Indonesia Standard (abbreviated as QRIS, the abbreviation being a wordplay on keris, a traditional sword; Indonesian: Kode QR Standar Indonesia) is a QR code payment system developed by Bank Indonesia (BI) and the Indonesian Payment System Association (ASPI) aimed to integrate all non-cash payment methods in Indonesia. Launched in 2019, the system enables peer-to-peer

Quadriga Fintech Solutions was the owner and operator of QuadrigaCX. QuadrigaCX was believed to be Canada's largest cryptocurrency exchange at the time of its collapse in 2019, with the exchange ceasing operations and the company filing for bankruptcy with C$215.7 million in liabilities and about C$28 million in assets.

Quahl ( k-oo-ah-l), formerly known as Initiative Q, was an attempt to create a new payment network and digital currency. It was created by Israeli entrepreneur Saar Wilf, who previously founded Fraud Sciences, a payment security company acquired by PayPal. Quahl is backed by Cato Institute economist Lawrence H. White. The initiative has indicated it will not take measures to evade state

Qualifying Investor Alternative Investment Fund or QIAIF is a Central Bank of Ireland regulatory classification established in 2013 for Ireland's five tax-free legal structures for holding assets. The Irish Collective Asset-management Vehicle or ICAV is the most popular of the five Irish QIAIF structures, it is the main tax-free structure for foreign investors holding Irish assets.

The quantity theory of money (QTM) is a hypothesis within monetary economics which states that the general price level of goods and services is directly proportional to the amount of money in circulation (i.e., the money supply), and that the causality runs from money to prices. This implies that the theory potentially explains inflation. It originated in the 16th century and has been pr

The Canadian province of Quebec is the first Canadian province with an emission cap-and-trade market (ETS), introduced in 2013. Polluters need to buy emission allowances, which increase in price each year. The resulting revenue is reinvested in Quebec's 2030 Plan for a Green Economy through the Electrification and Climate Change Fund. Since 2014, the Quebec carbon market is linked with t

Queen of Fucking Everything is a 2025 Finnish comedy drama TV series created, written, and directed by Tiina Lymi and starring Laura Malmivaara, Katja Küttner, and Minna Haapkylä. When broadcast by Finnish public broacaster Yle, the number of viewers broke previous records, and the series has been sold and broadcast around the world. It won five Golden Venla awards and Best Director in t

Rain is a Middle Eastern cryptocurrency exchange company that operates through its holding company, Rain Financial Inc., which oversees Rain Management W.L.L. in Bahrain,

In finance, a Rainbow option is a derivative whose payoff depends on multiple underlying risky assets. Each underlying asset is referred to as a color of the rainbow. It contrasts with a simple option that is exposed to one source of uncertainty, such as the price of underlying asset.

The Rapid Pass is a smart card automated fare collection system based on near-field communication (NFC) technology used on participating public transit systems in Dhaka, the capital of Bangladesh. Rapid Pass card readers were implemented on a trial basis in 2017. Full implementation began in January 2018 and it was rolled out across rapid transit stations, railway stations, bus stops and

A ratio spread or frontspread is a multi-leg options position. Like a vertical, the ratio spread involves buying and selling options on the same underlying security with different strike prices and the same expiration date. In this spread, the number of option contracts sold is not equal to a number of contracts bought. An unequal number of options contracts gives this spread certain u

The razor-and-blades business model is a business model in which one article is sold at a low price or even given away in order to increase sales of a complementary good, such as consumable supplies. It is different from loss leader marketing and product sample marketing, which do not depend on complementary products or services. Common examples of the razor-and-blades model include inkj

A real estate derivative is a financial instrument whose value is based on the price of real estate. The core uses for real estate derivatives are: hedging positions, pre-investing assets and re-allocating a portfolio. The major products within real estate derivatives are: swaps, futures contracts, options (calls and puts) and structured products. Each of these products can use a differ

Rebecca Ann Jarvis (born September 28, 1981) is an American journalist and former investment banker. She is the chief business, economics, and technology correspondent for ABC News, the host, creator, and managing editor of Real Biz with Rebecca Jarvis and the host of the podcasts No Limits with Rebecca Jarvis and The Dropout. She was a finalist on season 4 of The Apprentice.

In finance, recovery swaps, recovery locks, or recovery default swaps (RDS) are derivative contracts related to credit default swaps, and reference a bond issuance as its underlying. They are designed to provide a hedge against the uncertainty of recovery in default.

Red Dot Payment (RDP) is an online payment service provider headquartered in Singapore. The fintech company provides online payment gateway systems, payment consulting and merchant acquisition services for businesses that require the processing of online credit card transactions.

Regulation of algorithms, or algorithmic regulation, is the creation of laws, rules and public sector policies for promotion and regulation of algorithms, particularly in artificial intelligence and machine learning. For the subset of AI algorithms, the term regulation of artificial intelligence is used. The regulatory and policy landscape for artificial intelligence (AI) is an emerging

The regulation of cryptocurrency constitutes regulatory, legal and political actions taken by various governments to regulate and oversee the development and adoption of bitcoin, cryptocurrencies and blockchain technologies. Restrictions on cryptocurrency have been motivated by concerns regarding financial stability, consumer protection, national security, and enforcing laws against mon

Regza (stylized REGZA) is a brand of televisions currently made by Japanese company TVS REGZA Corporation based in Kawasaki, Kanagawa, a subsidiary of Chinese company Hisense. It was formerly the sub-brand of flat-panel TVs from Toshiba and is now only marketed in Japan and number of other countries.

Remitly is an American online remittance service based in Seattle, United States that offers international money transfers to over 170 countries. It was founded in 2011 by Matthew Oppenheimer, Josh Hug, and Shivaas Gulati and became publicly traded on the Nasdaq exchange in September 2021.

Remittances to Bangladesh are money transfers (remittances) sent by the Bangladeshi diaspora to Bangladesh. According to the World Bank, Bangladesh is the 7th highest recipient of remittances in the world with almost $32.8 billion in 2025 and was the third highest recipient of remittances in South Asia. These transfers play a significant role in the Bangladeshi economy, contributing sub

A repurchase agreement, also known as a repo, RP, or sale and repurchase agreement, is a form of secured short-term borrowing, usually, though not always, using government securities as collateral. A contracting party sells a security to a lender and, by agreement between the two parties, repurchases the security back shortly afterwards, at a slightly higher contracted price. The differe

Residential mortgage-backed security (RMBS) are a type of mortgage-backed security backed by residential real estate mortgages.

The resource-based view (RBV), often referred to as the "resource-based view of the firm", is a managerial framework used to determine the strategic resources a firm can exploit to achieve sustainable competitive advantage.

Retail is the sale of goods and services to consumers, in contrast to wholesaling, which is the sale to business or institutional customers. A retailer purchases goods in large quantities from manufacturers, directly from or through a wholesaler, and then sells in smaller quantities to consumers for a profit. Retailers are the final link in the supply chain from producers to consumers.

Retail foreign exchange trading is a small segment of the larger foreign exchange market where individuals speculate on the exchange rate between different currencies. This segment has developed with the advent of dedicated electronic trading platforms and the internet, which allows individuals to access the global currency markets. As of 2016, it was reported that retail foreign exchang

This article lists the statutory retirement age in different countries. In some contexts, the retirement age is the age at which a person is expected or required to cease work. It is usually the age at which such a person may be entitled to receive superannuation or other government benefits, like a state pension.

Revue Starlight (少女☆歌劇 レヴュースタァライト, Shōjo Kageki Revyū Sutāraito; lit. Girls' Musical Revue Starlight) is a Japanese media franchise created in 2017 by Bushiroad, Nelke Planning and Kinema Citrus. It primarily consists of a series of musicals, debuting between 22 and 24 September 2017 at the AiiA 2.5 Theater Tokyo; a 12-episode anime television series directed by Tomohiro Furukawa which a

Rewire by Remitly is a digital financial platform operated by the fintech company Remitly in Israel that provides online financial services tailored to migrant workers. The platform provides remittance services for workers to transfer funds back home. The Rewire by Remitly platform was originally built by the Israeli startup Rewire which was founded by Guy Kashtan, Saar Yahalom, Adi Ben

Ria Money Transfer (Ria) is an American financial services company which specializes in customer-to-customer international money transfers. It is a subsidiary of Euronet Worldwide, Inc. (NASDAQ: EEFT) and operates as part of its Cross-Border payments segment.

Richard Herman Driehaus (; July 28, 1942 – March 9, 2021) was an American businessman, investor, and philanthropist. He was the founder, chief investment officer, and chairman of the hedge fund Driehaus Capital Management LLC, based in Chicago.

In finance, risk reversal (also known as a conversion when an investment strategy) can refer to a measure of the volatility skew or to a trading strategy.

Roger Charles Altman (born April 2, 1946) is an American investment banker, the founder and senior chairman of Evercore, and a former Democratic politician. He served as

A routing number is the term for bank codes in Canada. Routing numbers consist of eight numerical digits with a dash between the fifth and sixth digit for paper financial documents encoded with magnetic ink character recognition and nine numerical digits without dashes for electronic funds transfers. Routing numbers are regulated by Payments Canada, formerly known as the Canadian Payment

In the United States, an ABA routing transit number (ABA RTN) is a nine-digit code printed on the bottom of checks to identify the financial institution on which it was drawn. The American Bankers Association (ABA) developed the system in 1910 to facilitate the sorting, bundling, and delivering of paper checks to the drawer's (check writer's) bank for debit to the drawer's account.

The Royal British Bank was a British joint-stock bank, established under a Royal Charter in 1849, that collapsed in 1856. This caused a scandal. The circumstances were described by The Economist as "an extraordinary example of the little trouble the public take to think for themselves".

Royal Mint Gold was a digital gold currency and a cryptocurrency backed by gold reserves in the UK Royal Mint. The Royal Mint launched a digitized token called RMG, representing one gram of physical gold per token, in 2016. It began testing blockchain transactions in April 2017. The first test transaction was in August 2017. The rollout was originally scheduled to occur by the end of 20

RuPay (portmanteau of Rupee and Payment) is an Indian multinational financial services and payment service system, conceived and owned by the National Payments Corporation of India (NPCI). It was launched in 2012, to fulfil the Reserve Bank of India's (RBI) vision of establishing a domestic, open and multilateral system of payments. RuPay facilitates electronic payments at almost all Ind

SafeMoon LLC was an American cryptocurrency and blockchain company created in March 2021. The company created the SafeMoon token (SFM) which traded on the BNB Chain blockchain. The token charged a 10% fee on transactions, with 5% redistributed (or reflected) to token holders and 5% directed to wallets in a different currency, Binance Coin (BNB), controlled by the coin's authors. The toke

Sage Pay was a payment processing service operated by Sage Group between 2006 and 2020. Originally founded as Protx, the company provided online, telephone, and point-of-sale payment solutions to small and medium-sized businesses across the United Kingdom, Ireland, Germany, Spain, South Africa, and the United States.

The Galaxy Ecosystem refers to a set of consumer electronics products and cross-device software features developed by Samsung Electronics under the Samsung Galaxy brand. The ecosystem is designed to enable interoperability between Galaxy smartphones, tablets, laptops, and wearable devices, and to extend device connectivity to smart home and Internet of things (IoT) products through Smart

Samsung Medison Co., Ltd. (Korean: 삼성메디슨) is a manufacturer of diagnostic ultrasound systems. The company was founded in 1985 and acquired by Samsung in 2010 with the purchase reported to be at more than $262 million US dollars. In 2020, Samsung Medison was selling its medical devices in 110 countries, which accruals up to 85 percent of its total sales.

Samsung Pay is a mobile payment and digital wallet service, operated by the South Korean company Samsung Electronics. It lets users make payments using compatible smartphones and other Samsung-produced devices, accessed using the Samsung Wallet app.

Samsung Strategy and Innovation Center (SSIC) is a division of Samsung Electronics. It works with entrepreneurs and corporate partners to invest in disruptive technologies, such as artificial intelligence, digital health, mobility, the Internet of Things, and other consumer-facing applications of data-driven technology.

SAPICA (サピカ, Sapika) is a rechargeable contactless smart card ticketing system for public transport in Sapporo, Japan. Sapporo City Transportation Bureau (SCTB) introduced the system from January 30, 2009. The name of the card means "Sapporo's IC card". Sa' (サッ) is also the sound symbolic word for quickly pulling a card out and pi' (ピッ) is the equivalent of "beep". The card is issued b

Opal Luna Saturnyne is a character appearing in American comic books published by Marvel Comics. The character was created by Dave Thorpe and Alan Davis for their Captain Britain stories. Formerly the servant of Roma, she is currently the Omniversal Majestrix and rightful Ruler of Otherworld, charged with the safety of the Omniverse.

The Saudi Payments Network (Arabic: الشبكة السعودية للمدفوعات), commonly known as Mada (Arabic: مدى, literally "range" or "extent"; formerly SPAN), is the primary payment system in Saudi Arabia. Established by the Saudi Central Bank (SAMA), the network connects all automated teller machines (ATMs) and point-of-sale (POS) terminals across the Kingdom to a central payment switch that rout

A savings account is a bank account at a retail bank. Common features include a limited number of withdrawals, a lack of checks and linked debit card facilities, limited transfer options and the inability to be overdrawn. Traditionally, transactions on savings accounts were widely recorded in a passbook, and were sometimes called passbook savings accounts, and bank statements were not pr

Scenario planning, scenario thinking, scenario analysis, scenario prediction and the scenario method all describe a strategic planning method that some organizations use to make flexible long-term plans. It is in large part an adaptation and generalization of classic methods used by military intelligence.

School choice is a term for education options that allow students and families to select alternatives to traditional public schools. It is the subject of fierce debate in various state legislatures across the United States.

Search engine marketing (SEM) is a form of Internet marketing that involves the promotion of websites by increasing their visibility in search engine results pages (SERPs) primarily through paid advertising. SEM may incorporate search engine optimization (SEO), which adjusts or rewrites website content and site architecture to achieve a higher ranking in search engine results pages, enha

Search engine optimization (SEO) is the practice of improving the visibility and overall performance of websites and web pages in search engine results pages (SERPs). It focuses on increasing the quantity and quality of traffic from unpaid (organic) search results rather than paid advertising. SEO applies to multiple search formats, including web, image, video, news, academic, and vertic

Security market is a component of the wider financial market where securities can be bought and sold between subjects of the economy, on the basis of demand and supply. Security markets encompasses stock markets, bond markets and derivatives markets where prices can be determined and participants both professional and non professional can meet.

Securities Transaction Tax (STT) is a tax payable in India on the value of securities (excluding commodities and currency) transacted through a recognised stock exchange. As of 2016, it is 0.1% for delivery based equity trading.

In law and finance, a security interest is a legal right that a secured party has over secured assets. Security interests most often arise where a debtor grants an interest over collateral to a creditor to secure the loan, such that the creditor will have enforceable rights in the event of the debtor's default or non-performance.

A security question is a form of shared secret used as an authenticator. It is commonly used by banks, cable companies and wireless providers as an extra security layer.

See's Candy Shops, Inc., doing business as See's Candies, is an American manufacturer and distributor of candy, particularly chocolates. It was founded by Charles See, his wife Florence, and his mother Mary in Los Angeles in 1921. The company is headquartered in South San Francisco, California. See's kitchens are located at its headquarters and are also maintained at its original factory

Segregated Witness (SegWit), formally known as Segregated Witness (Consensus layer), is an implemented soft fork change in the transaction format of bitcoin.

A semantic layer is a business representation of corporate data that helps end users access data autonomously using common business terms managed through business semantics management. A semantic layer maps complex data into familiar business terms such as product, customer, or revenue to offer a unified, consolidated view of data across the organization.

The Senior Railcard is an annual card available to people aged 60 and over, which gives discounts on certain types of railway ticket in Britain. The Railcard has existed in various forms since 1975; the current version is priced at £35.00 and is valid for one year, with a 3-year card available for £80. It is one of a wide variety of discounted and concessionary fare schemes available o

The service recovery paradox (SRP) is a situation in which a customer thinks more highly of a company after the company has corrected a problem with their service, compared to how they would regard the company if non-faulty service had been provided. The main reason behind this thinking is that successful recovery of a faulty service increases the assurance and confidence from the custom

Settlement is the "final step in the transfer of ownership involving the physical exchange of securities or payment". After settlement, the obligations of all the parties have been discharged and the transaction is considered complete.

Severance taxes are taxes imposed on the removal of natural resources within a taxing jurisdiction. Severance taxes are most commonly imposed in oil producing states within the United States. Resources that typically incur severance taxes when extracted include oil, natural gas, coal, uranium, and timber. Some jurisdictions use other terms like gross production tax.

Sex differences in social capital are debated differences between men and women's ability to achieve their aims through social constructs such as trust, norms and networks. Social capital is often seen as the missing link in development. Social networks facilitate access to resources and protect the commons, whilst co-operation makes markets work more efficiently. Social capital has been