The Securities and Exchange Commission and the United Kingdom (UK) Financial Conduct Authority (FCA) have today reaffirmed their commitment to continue close cooperation and information sharing in the event of the UK's withdrawal from the European Union (EU). ... FCA CEO Andrew Bailey said, "As part of our preparations for Brexit we have ...branches of third country investment firms ; with respect to: (5) manufacturing financial instruments and structured deposits; and. (6) distributing financial instruments, …Founded 2013 Specialties Financial services, Regulation, Consumer protection, Market confidence, Financial stability, and Reduction of financial crime Locations Primary 12 Endeavour Square...Financial Conduct Authority. @TheFCA. ·. Feb 3. 8,582 financial promotions were amended or withdrawn in 2022 as a result of our intervention. This is an increase of 1398%, compared to 573 in 2021. By using better #technology, we're finding poor quality or misleading ads quicker fca.org.uk/data/financial ….In a draft notice last year, the FCA had already said Link could face a potential £306.1 million in redress payments over its management of the fund and a further possible £50 million fine.The Financial Conduct Authority (FCA) is the conduct regulator for around 51,000 financial services firms and financial markets in the UK.Important Facts Related to an FCA Forex Broker License in UK. A strong background in finance and investment is a minimum requirement for all directors of an FCA licensed brokerage. There are two types of paid up capital, which depend on the permissions granted by the FCA: 125k€ and 750k€. A physical office with a local directors in the ...LONDON & NEW YORK, February 17, 2023--Payoneer (Nasdaq: PAYO), the financial technology company empowering the world's small businesses to transact, do business and grow globally, has received ...History of the FCA Before the FCA In 1997 the Chancellor of the Exchequer announced reforms to financial services regulation in the UK. As part of those reforms the Financial Services Authority (FSA) was created from the Securities and Investments Board.FCA reveals £49m redress scheme for British Steel pensions Financial advisers to pay about £45,000 a worker to 1,000 staff who received unsuitable advice Published: 28 Nov 2022In the UK, nearly all financial service activities must be authorised by the Financial Conduct Authority. ... Share your screen with the FCA contact centre. Back to ...Find top links about Fca Automotive Login along with social links, and more. If you are still unable to resolve the login problem, read the troubleshooting steps or report your issue . Mar 06, 22 (Updated: Aug 18, 22)Conduct Rules First tier - Individual Conduct Rules. Rule 1: You must act with integrity. Rule 2: You must act with due skill, care and diligence. Rule 3: You must be open and cooperative with the FCA, the PRA and other regulators. Rule 4: You must pay due regard to the interests of customers and treat them fairly. Rule 5: You must observe proper standards of market conduct.Wahid Pessarlay. The Financial Conduct Authority (FCA), has issued a warning to digital currency ATM operators in the United Kingdom to seek registration with the body or cease all operations. The warning was included in a statement released on February 14 following a joint operation with the West Yorkshire Police’s Digital Intelligence and ...Today, the U.K. financial conduct authority disclosed its regulatory approval of crypto firms, and out of the 300 that applied for approval, only 41 were cleared. Rejected applications were referred to law enforcement agencies. The U.K.'s FCA is a regulatory body focused on regulating the financial markets and companies in the region.What Is the Financial Conduct Authority (UK)? As the regulator of the financial services industry in the United Kingdom, the Financial Conduct Authority (FCA) is responsible for the...KPMG Australia. Apr 2015 - Present7 years 11 months. Sydney, Australia. This role combines my knowledge of …Australia's Link Group has said it is in exclusive negotiations to sell its UK Fund Solutions division as talks take place over a settlement with the UK financial regulator over an investigation into the unit. The share registry business said on Monday that it is discussing a settlement with the Financial Conduct Authority (FCA). The FCA also ...The UK’s Financial Conduct Authority (FCA) is seeking views on issues related to financial services firms’ sustainability-related governance, incentives and competence, as it prepares for future regulatory measures to ensure the financial sector is a force for positive change. The regulator has published a new discussion paper to explore ...If you are a crypto business, in the UK from 10 January 2020, you will be required to register with the FCA for the crypto licence in the UK, formally known as the FCA AML/CTF Cryptoasset Registration regime. The FCA is the new anti-money laundering and counter-terrorist financial (AML/CTF) supervisor of crypto businesses based in the UK under ...2022. 11. 3. ... On November 2, the Court of Appeal of England and Wales refused permission for those traders to proceed with a judicial review of the UK FCA's ...What Is the Financial Conduct Authority (UK)? As the regulator of the financial services industry in the United Kingdom, the Financial Conduct Authority (FCA) is responsible for the...February 20, 2023 9:32 pm UTC, abdelaziz Fathi. The City watchdog has sounded an alarm over yet another fraudulent clone, this time shedding light on a firm …In the UK, nearly all financial service activities must be authorised by the Financial Conduct Authority. ... Share your screen with the FCA contact centre. Back to ...GOV.UK Menu Home Business and industry Licence Apply for Financial Conduct Authority (FCA) authorisation Apply for this licence Start now Overview Firms and individuals must be authorised by...The UK regulator responsible for regulation of the conduct of firms authorised under the Financial Services and Markets Act 2000 (FSMA). The FCA is also responsible for: The regulation of conduct in retail and wholesale financial markets. Supervision of the trading infrastructure that supports retail and wholesale financial markets.The Financial Conduct Authority (FCA) has ruled that the firm cannot conduct any "regulated activity" in the UK. It also advised people to be wary of adverts promising high returns on cryptoasset ...1. 1.1. A firm may categorise the following types of client as an eligible counterparty for the purposes of PRIN: (1) a properly constituted government (including a quasi-governmental body or a government agency) of any country or territory; (2) a central bank or other national monetary authority of any country or territory; (3) a supranational ...Britain's financial regulator publicly censured subprime lender Amigo for failures to undertake affordability checks and said it would have imposed a 72.9 million …2021. 1. 15. ... The eight insurers who are parties to the Framework Agreement and to these proceedings are: (1) Arch Insurance (UK) Ltd (“Arch”); (2) Argenta ...In particular, Brewis will give delegates a lowdown on the FCA’s regulatory priorities for 2023, as well as talk through its most recent ‘Dear CEO’ letter on the subject of Consumer Duty implementation – this was published on 3 February 2023 and was, in part, targeted at the general insurance market.. The letter contains both positive and negative …In a draft notice last year, the FCA had already said Link could face a potential £306.1 million in redress payments over its management of the fund and a further possible £50 million fine.L'autorità di regolamentazione finanziaria del Regno Unito, la Financial Conduct Authority (FCA), è alla ricerca di sportelli automatici per criptovalute (ATM) non registrati. La FCA e la squadra informatica della polizia del West Yorkshire hanno intrapreso un'azione contro diversi punti della città di Leeds e dintorni, sospettati di gestire illegalmente sportelli automatici di criptovalute.The Financial Conduct Authority (FCA) is responsible for regulating financial services in the UK, from banks to day trading brokers. This page will cover what a licence from the FCA means, as well as the trading benefits of registering with an FCA regulated brokerage. Along the way, we will also cover the group's history, specific rules and ...Keep reading below to find the best FCA-regulated trading brokers in the UK. From our extensive research, we believe that they are the best choices if you want to …To undertake regulated financial activities, you must be authorised by the Financial Conduct Authority (FCA) Apply for Financial Conduct Authority (FCA) authorisation - GOV.UK …Australia’s Link Group has said it is in exclusive negotiations to sell its UK Fund Solutions division as talks take place over a settlement with the UK financial regulator over an investigation into the unit. The share registry business said on Monday that it is discussing a settlement with the Financial Conduct Authority (FCA). The FCA also ...The accolade, which is open to both members and non-members of CFA UK, is awarded to people judged by the fellowship committee to have made a contribution to the development of the profession. Sadan took on the newly-created role of director of ESG at the FCA in August 2021, with the objective of helping the regulator embed ESG across the wide ...The Financial Conduct Authority (FCA) in the UK is deemed to be one of the most reputable regulatory organizations in the world for regulating Forex brokers and other financial entities. The FCA oversees the process of regulating companies in conjunction with the Bank of England and the Prudential Regulatory Authority, although, the process of ...Centre at [email protected], or alternatively by telephone on 0800 111 6768. Overseas callers can contact us on (+44) 20 7066 1000. FINANCIAL CONDUCT AUTHORITY 12 Endeavour Square London E20 IJN Tel. +44 (0)20 7066 1000 Fax +44 (0)20 7066 1099 wwwfca.org uk . Created Date:... and regulated by the Financial Conduct Authority (FCA) in the UK. ... out any of the regulated financial activities in the UK which are set out in the ...Gentoo Genie Ltd. Nov 2011 - Feb 20164 years 4 months. Sunderland, United Kingdom. A start-up business regulated by the financial conduct authority (FCA). The business offered consumers an alternative method of home ownership without a mortgage or deposit, while attracting institutional investors into the housing sector.In particular, Brewis will give delegates a lowdown on the FCA's regulatory priorities for 2023, as well as talk through its most recent 'Dear CEO' letter on the subject of Consumer Duty implementation - this was published on 3 February 2023 and was, in part, targeted at the general insurance market.. The letter contains both positive and negative feedback on firms' implementation ...Felicity Menzies, FCA CEO, Diversity & Inclusion Consultant at Include-Empower | Respect at Work | Harassment, Bullying & Discrimination | Inclusive Leadership | Unconscious Bias | D&I Strategy | LinkedIn Top Voice 2020/21 ... KPMG UK Jan 1993 - 1995 2 years. London, United Kingdom Adelaide, Australia Education University of Sydney Juris Doctor ...The Financial Conduct Authority (FCA) is the conduct regulator for the UK's financial markets, over 59,000 financial services firms, and the prudential supervisor for 49,000 firms, setting ...A guide to UK FCA Authorised Funds. Insight. 14.11.2022 6 min read. Authorised funds are a cornerstone of the UK's asset management infrastructure.GOV.UK Menu Home Business and industry Licence Apply for Financial Conduct Authority (FCA) authorisation Apply for this licence Start now Overview Firms and individuals must be authorised by...The FCA has outlined its vision to improve fund firms' engagement with investors through better use of technology in a wider regulatory effort to improve the state of the UK funds industry. In a 48-page discussion paper published this morning, 'Updating and improving the UK regime for asset management', the regulator outlined a raft of ...FCA approaches conclusion on Woodford enforcement. In September 2022, the FCA issued a draft warning notice outlining the potential of a £50m fine and redress payments of over £300m. It is these figures that Link Group will be negotiating with the regulator over. "Embattled investors in the former Woodford Equity Income fund will be …The Technology sub-division helps the Financial Conduct Authority (FCA) to perform at its best by delivering IT service and effective business and technology change. The division comes under the larger Data, Technology & Innovation (DTI) division which is seeking to transform the way we analyse and use the data, intelligence, and information we ...Britain's financial regulator publicly censured subprime lender Amigo for failures to undertake affordability checks and said it would have imposed a 72.9 million pound ($88.6 million) fine if the ...The Technology sub-division helps the Financial Conduct Authority (FCA) to perform at its best by delivering IT service and effective business and technology change. The division comes under the larger Data, Technology & Innovation (DTI) division which is seeking to transform the way we analyse and use the data, intelligence, and information we ...about. DTCC's London-based UK trade repository - DTCC Derivatives Repository Plc (DDRL) - provides reporting services under the Financial Conduct Authority (FCA)'s European Market Infrastructure Regulation (EMIR). DTCC's GTR delivers to market participants a robust automated regulatory reporting solution both OTC and exchange traded ...By Jean-Baptiste Andrieux 20th February 2023 10:01 am. The Financial Conduct Authority is looking to update regulations for the UK’s asset management industry. It has published a discussion ...Financial dispute resolution that’s fair and impartial. The Financial Ombudsman Service is a free and easy-to-use service that settles complaints between consumers and businesses …Reading Time: 2 minutes HOT on the heels of a clear warning by the Financial Conduct Authority (FCA) that too often, the mandatory Consumer Duty implementation plans were too light on the details required, the regulator has issued a portfolio of letters specific to each financial services sector setting out its Consumer Duty expectations.The FCA also confirmed it is in discussions with the firm amid its investigation into the now-defunct LF Woodford Equity Income Fund. Link Fund Solutions (LFS) managed the fund until its collapse ...2023. 1. 26. ... In September 2021, following the London Capital & Finance 'mini-bonds' scandal, the Treasury Select Committee of the UK House of Commons ...VDOMDHTMLtml PUBLIC "-//IETF//DTD HTML 2.0//EN">. 301 Moved Permanently. The document has moved here.Conduct Rules First tier - Individual Conduct Rules. Rule 1: You must act with integrity. Rule 2: You must act with due skill, care and diligence. Rule 3: You must be open and cooperative with the FCA, the PRA and other regulators. Rule 4: You must pay due regard to the interests of customers and treat them fairly. Rule 5: You must observe proper standards of market conduct.As part of the Bank of England, we are responsible for the prudential regulation and supervision of around 1,500 banks, building societies, credit unions, …Five years since the launch of the 5 Conduct Questions Programme (5CP), the Financial Conduct Authority's (FCA) latest publication, "Messages from the Engine Room," shows that the financial services industry's conduct and change efforts are having a positive effect on businesses, customers and the market.Yet while these advancements are encouraging, the FCA has identified several ...2016. 11. 12. ... The FCA regulate the financial services industry in the UK. Their aim is to protect consumers, ensure the industry remains stable and ...Founded 2013 Specialties Financial services, Regulation, Consumer protection, Market confidence, Financial stability, and Reduction of financial crime Locations Primary 12 Endeavour Square...FCA, and connected to the PDP Central Digital Architecture (CDA) to begin the all-important end-to-end testing with real pensions data, until at least Christmas 2023 (assuming the FCA authorisation gateway opens in ‘summer’ and the authorisation process takes approximately six months).The FCA has a real talented bunch of people. The management team drive improvements and encourage people to progress and provide the platform to do so. They have a bonus …2022. 4. 5. ... As set out in our earlier OnPoint, “Is Brexit Green?”,1 the UK has adopted a different approach to regulating ESG in the asset management ...Interest-free buy-now-pay-later credit agreements will be regulated by the Financial Conduct Authority (FCA) in order to protect consumers under plans announced by the government today (2 February ...By Jean-Baptiste Andrieux 20th February 2023 10:01 am. The Financial Conduct Authority is looking to update regulations for the UK's asset management industry. It has published a discussion ...Financial Conduct Authority (UK) - FCA: The regulator of the financial services industry in the United Kingdom. The Financial Conduct Authority (FCA) has the strategic goal of ensuring that the ...February 20, 2023 9:32 pm UTC, abdelaziz Fathi. The City watchdog has sounded an alarm over yet another fraudulent clone, this time shedding light on a firm called ‘HANTEC FUNDS’ that has been posing as a UK-based FX trading brand. The FCA warning comes after the authority warned the public against the suspicious operation of Easy FX Trade ...The FCA. As we have mentioned before, the FCA is the successor of the FSA and now has become one of the most popular regulators worldwide.The independent agency was launched on the 1st of April 2013 to replace the previous body, the FSA, which had considered failed in saving UK's financial system after the 2008 crisis.The Financial Conduct Authority ( FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry. [2] The FCA regulates financial firms providing services to consumers and maintains the integrity of the financial markets in the United Kingdom.... and regulated by the Financial Conduct Authority (FCA) in the UK. ... out any of the regulated financial activities in the UK which are set out in the ...LONDON & NEW YORK--(BUSINESS WIRE)-- Payoneer (Nasdaq: PAYO), the financial technology company empowering the world's small businesses to transact, do business and grow globally, has received (via its subsidiary - Payoneer Payment Services UK Ltd) its Electronic Money License (EMI) from the United Kingdom's Financial Conduct Authority (FCA). ). The license is a key requirement for ...The FCA also confirmed it is in discussions with the firm amid its investigation into the now-defunct LF Woodford Equity Income Fund. Link Fund Solutions (LFS) managed the fund until its collapse ...What Is the Financial Conduct Authority (UK)? As the regulator of the financial services industry in the United Kingdom, the Financial Conduct Authority (FCA) is responsible for the...Share Key Points The U.K. Financial Conduct Authority warned that a “significantly high” number of cryptocurrency firms are failing to meet U.K. money laundering rules. The FCA said this has...The Financial Conduct Authority has published a discussion paper in which it lays out ideas on potential changes in the regulatory framework of the UK's £11trn asset management sector. Published today (20 February), the discussion paper is seeking views from funds, advisers, investors and other stakeholders about the current UK regime for ...The boss of a crypto firm has urged the Financial Conduct Authority to review its ban of crypto-derivatives for retail customers. Bradley Duke, chief executive at ETC Group, said the UK lags other ...Important Facts Related to an FCA Forex Broker License in UK. A strong background in finance and investment is a minimum requirement for all directors of an FCA licensed brokerage. There are two types of paid up capital, which depend on the permissions granted by the FCA: 125k€ and 750k€. A physical office with a local directors in the ...1AThe Financial Conduct Authority ... (1)The body corporate previously known as the Financial Services Authority is renamed as the Financial Conduct Authority. (2) ... The Financial Conduct Authority (FCA) has ruled that the firm cannot conduct any "regulated activity" in the UK. It also advised people to be wary of adverts promising high returns on cryptoasset ...Felicity Menzies, FCA CEO, Diversity & Inclusion Consultant at Include-Empower | Respect at Work | Harassment, Bullying & Discrimination | Inclusive Leadership | Unconscious Bias | D&I Strategy | LinkedIn Top Voice 2020/21 ... KPMG UK Jan 1993 - 1995 2 years. London, United Kingdom Adelaide, Australia Education University of Sydney Juris Doctor ...In the UK, nearly all financial service activities must be authorised by the Financial Conduct Authority. ... Share your screen with the FCA contact centre. Back to ...VDOMDHTMLtml PUBLIC "-//IETF//DTD HTML 2.0//EN">. 301 Moved Permanently. The document has moved here.As part of the Bank of England, we are responsible for the prudential regulation and supervision of around 1,500 banks, building societies, credit unions, …Britain's financial regulator publicly censured subprime lender Amigo for failures to undertake affordability checks and said it would have imposed a 72.9 million pound ($88.6 million) fine if the ...The Financial Conduct Authority ( FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry. [2] The FCA regulates financial firms providing services to consumers and maintains the integrity of the financial markets in the United Kingdom.2021. 8. 4. ... In this episode of S&C's Critical Insights, Annie Ostrager and Kamil Shields discuss recent activity by the U.K. Financial Conduct Authority ...37 years Chartered accounting (since 1986) 27 years advising non-government schools (since about 1995) Advisor to over 600 schools (benchmarking participants) Goal to be the preferred advisor/educator on financial governance and risk mitigation measures for schools. Specialties: Financial viability and sustainability of schools. | Learn more about John Somerset FCA's work experience, education ...Keep reading below to find the best FCA-regulated trading brokers in the UK. From our extensive research, we believe that they are the best choices if you want to …The average Financial Conduct Authority salary ranges from approximately £29,219 per year for Direct Support Professional to £83,707 per year for Technical Advisor. Salary information comes from 1,911 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months. ...Wahid Pessarlay. The Financial Conduct Authority (FCA), has issued a warning to digital currency ATM operators in the United Kingdom to seek registration with the body or cease all operations. The warning was included in a statement released on February 14 following a joint operation with the West Yorkshire Police’s Digital Intelligence and ...Interest-free buy-now-pay-later credit agreements will be regulated by the Financial Conduct Authority (FCA) in order to protect consumers under plans announced by the government today (2 February ...The Financial Conduct Authority (FCA) regulates the financial services industry in the UK. Its role includes protecting consumers, keeping the industry stable, and promoting healthy competition ...2021. 8. 4. ... In this episode of S&C's Critical Insights, Annie Ostrager and Kamil Shields discuss recent activity by the U.K. Financial Conduct Authority ...Britain's Financial Conduct Authority said that Binance Markets Limited "is not permitted to undertake any regulated activity in the U.K." From June 30, Binance must notify U.K. users of the FCA's ...FCA announces proposal to enhance regulations for UK's asset management industry ""Given the UK's leading role as a centre for asset management, we want to make sure our rules are fit for the future. We want a UK wholesale market which supports the economy and is open to innovation, while remaining consistent with high standards of ...Financial Conduct Authority. 298,507 followers. 1w. 8,582 financial promotions were amended or withdrawn in 2022 as a result of our intervention. This is an increase of 1398%, compared to 573 in ...James Allum, CEO of Payoneer Payment Services UK and senior vice president for Europe at Payoneer, says the FCA is known for "setting the tone" for financial regulation globally, and the granting of its e-money licence underscores the firm's ability to provide regulated financial services.Britain's Financial Conduct Authority said that Binance Markets Limited "is not permitted to undertake any regulated activity in the U.K." From June 30, Binance must notify U.K. users of the FCA's ...The FCA is accountable to the Treasury – which is responsible for the UK's financial system – and Parliament. However, we're an independent body and we do not ...FCA launches insider dealing case against former Janus Henderson analyst UK regulator says confidential information gleaned from role at fund manager enabled …The boss of a crypto firm has urged the Financial Conduct Authority to review its ban of crypto-derivatives for retail customers. Bradley Duke, chief executive at ETC Group, said the UK lags other ...James Allum, CEO of Payoneer Payment Services UK and senior vice president for Europe at Payoneer, says the FCA is known for “setting the tone” for financial regulation globally, and the granting of its e-money licence underscores the firm’s ability to provide regulated financial services.In a draft notice last year, the FCA had already said Link could face a potential £306.1 million in redress payments over its management of the fund and a …UK financial services advertiser verification: Any advertiser that would ... UK audiences needs to be registered with the Financial Conduct Authority (FCA).Trading since 1879, Blackwell of Oxford is the largest academic and specialist bookseller in the UK. Fast dispatch, carefully packaged, worldwide delivery. Skip your Account's links. Hello; Login; Help $ USD. A$ AUD Australian Dollar; ...We’re introducing multi-factor authentication soon to strengthen how you log into Connect portal and to further protect and control access to our data. You will need to enter a one-time passcode each time you log in. See our resources page for more information and to prepare for the changes.The Financial Conduct Authority ( FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry. [2] The FCA regulates financial firms providing services to consumers and maintains the integrity of the financial markets ...The FCA has a real talented bunch of people. The management team drive improvements and encourage people to progress and provide the platform to do so. They have a bonus …The FCA also confirmed it is in discussions with the firm amid its investigation into the now-defunct LF Woodford Equity Income Fund. Link Fund Solutions (LFS) managed the fund until its collapse ...The Financial Conduct Authority (FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed ...The FCA Exam - UK Financial Regulations (CISI Exam Board Certification) is required for all analysts and finance professionals in the UK who carry out regulated activities in securities; it also provides those advising and/or dealing in securities with the knowledge and skills required for their job roles.The Financial Conduct Authority (FCA) has today announced details of a plan for the phased implementation of Strong Customer Authentication.Interest-free buy-now-pay-later credit agreements will be regulated by the Financial Conduct Authority (FCA) in order to protect consumers under plans announced by the government today (2...The FCA is a massive organisation with thousands of employees and an annual budget of £600 million. Much of these resources are directed towards giving essential legal and compliance advice to the 58,000 companies that the FCA is responsible for regulating.Apr 20, 2016 · Financial services play a critical role in the lives of everyone in the UK, from junior ISAs to pensions, direct debits to credit cards, loans to investments. How well financial markets work has a fundamental impact on us all. UK financial services employ over 1.1 million people and contribute about £75 billion in tax per year. The FCA has unveiled their Duty to ensure a higher level of consumer protection and fair outcomes. This will mean consumers getting clear communications tailored to them, products that fit their needs and the appropriate support at each stage of the customer journey. The new rules also give firms more opportunities for innovation while still ...about. DTCC's London-based UK trade repository - DTCC Derivatives Repository Plc (DDRL) - provides reporting services under the Financial Conduct Authority (FCA)'s European Market Infrastructure Regulation (EMIR). DTCC's GTR delivers to market participants a robust automated regulatory reporting solution both OTC and exchange traded ...

ttdeye reviewsdillard comhughesnet reviewssports betting odds explainedonedrive live comsunfroguoozee clothingrankedboostcamelcamelcamel comany promodefinition of bull markethow much is the downpayment for a houseeconomy rent a car orlandomyolliempix comverizon connect customer servicehow to become power of attorneysuperior powersportsblackgaysextime4learingledger in accountingnurture life mealswhat are surety bondshismilecaomi2fubguysvulingxxxvjdeos20 coinsurancegogomedsreturn on equity