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INFO: Full form for MPPI is Mortgage Payments Protection Insurance in Business category
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Payment protection insurance (PPI), also known as credit insurance, credit protection insurance, or loan repayment insurance, is an insurance product that enables consumers to ensure repayment of credit if the borrower dies, becomes ill or disabled, loses a job, or faces other circumstances that may prevent them from earning income to service the debt. It is not to be confused with income protection insurance, which is not specific to a debt but covers any income. PPI was widely sold by banks and other credit providers as an add-on to the loan or overdraft product.

PPI usually covers payments for a finite period, typically 12 months, in which case they might be marketed as short-term income protection insurance (STIP). For loans or mortgages this may be the entire monthly payment, for credit cards it is typically the minimum monthly payment. After this point the borrower must find other means to repay the debt, although some policies repay the debt in full if they are unable to return to work or are diagnosed with a critical illness. The period covered by insurance is typically long enough for most people to start working again and earn enough to service their debt. PPI is different from other types of insurance such as home insurance, in that it can be quite difficult to determine if it is right for a person or not. Careful assessment of what would happen if a person became unemployed would need to be considered, as payments in lieu of notice (for example) may render a claim ineligible despite the insured person being genuinely unemployed. In this case, the approach taken by PPI insurers is consistent with that taken by the Benefits Agency in respect of unemployment benefits.

Most PPI policies are not sought out by consumers. In some cases, consumers claim to be unaware that they even have the insurance.In sales connected to loans, products were often promoted by commission based telesales departments. Fear of losing the loan was exploited, as the product was effectively cited as an element of underwriting. Any attention to suitability was likely to be minimal, if it existed at all.In all types of insurance some claims are accepted and some are rejected. Notably, in the case of PPI, the number of rejected claims is high compared to other types of insurance. The rare customers who deliberately seek out the policy may have little recourse when they discover it is of no benefit.

As PPI is designed to cover repayments on loans and credit cards, most loan and credit card companies sell the product at the same time as they sell the credit product. By May 2008, 20 million PPI policies existed in the UK with a further increase of 7 million policies a year being purchased thereafter. Surveys show that 40% of policyholders claim to be unaware that they had a policy.

"PPI was mis-sold and complaints about it mishandled on an industrial scale for well over a decade." with this mis-selling being carried out by not only the banks or providers, but also by third party brokers. The sale of such policies was typically encouraged by large commissions, as the insurance would commonly make the bank/provider more money than the interest on the original loan, such that many mainstream personal loan providers made little or no profit on the loans themselves; all or almost all profit was derived from PPI commission and profit share. Certain companies developed sales scripts which guided salespeople to say only that the loan was "protected" without mentioning the nature or cost of the insurance. When challenged by the customer, they sometimes incorrectly stated that this insurance improved the borrower's chances of getting the loan or that it was mandatory. A consumer in financial difficulty is unlikely to further question the policy and risk the loan being refused.

Several high-profile companies have now been fined by the Financial Conduct Authority for the widespread mis-selling of PPI. The Financial Conduct Authority (FCA) fined Clydesdale Bank £20,678,300 for serious failings in its PPI complaint handling processes between May 2011 and July 2013. This is the largest ever fine imposed by the FCA for failings relating to PPI. Clydesdale agreed to settle at an early stage of the FCA's investigation and therefore qualified for at 30% stage 1 discount. Were it not for this the FCA would have imposed a financial penalty of £29,540,500. Alliance and Leicester were fined £7m for their part in the mis-selling controversy, several others including Capital One, HSBC Finance and Egg were fined up to £1.1m. Claims against mis-sold PPI have been slowly increasing, and may approach the levels seen during the 2006–07 period, when thousands of bank customers made claims relating to allegedly unfair bank charges. In their 2009/2010 annual report, the Financial Ombudsman Service stated that 30% of new cases referred to payment protection insurance. A custome reference

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Express Scripts Holding Company is a pharmacy benefit management (PBM) organization. In 2017 it was the 22nd-largest company in the United States by total revenue as well as the largest pharmacy benefit management (PBM) organization in the United States. Express Scripts had 2016 revenues of $100.752 billion. Since December 20, 2018, the company has been a subsidiary of Cigna.

The term "scripts" refers to the widely used clipped version of prescription.

Headquartered in Greater St. Louis within unincorporated North St. Louis County, Missouri, Express Scripts provides integrated pharmacy benefit management services including network-pharmacy claims processing; home delivery pharmacy services; specialty pharmacy benefit management, through its subsidiary Accredo; benefit-design consultation; drug-utilization review; formulary management; and medical and drug data analysis services to manage drug plans for health plans, self-insured employers and government agencies (both as administrator of employee benefits and public assistance programs). One of its largest clients is the United States Department of Defense's Tricare program.

Express Scripts also offers pharmacy benefit management services for workers' compensation insurance programs. The program is accredited by URAC, the nation's largest accrediting body for pharmacy benefit management companies.

The company processes pharmaceutical claims for members through a network of retail pharmacies. Its own automated pharmacies dispense medications for chronic long-term diseases, such as diabetes or heart disease, directly to members by home delivery.: 4 

On March 7, 2018, it was announced that Cigna would buy Express Scripts in a $67 billion deal.

The deal closed on December 20, 2018 at $54 billion, allowing Cigna to start offering new Express Scripts products to its corporate health insurance customers in 2019.

INFO: Full form for CODCO is China Coal Overseas Development Co., Ltd in Business category

The Treasury Inspector General for Tax Administration (TIGTA) is an office in the United States Federal government. It was established in January 1999 in accordance with the Internal Revenue Service Restructuring and Reform Act of 1998 (RRA 98) to provide independent oversight of Internal Revenue Service (IRS) activities. As mandated by RRA 98, TIGTA assumed most of the responsibilities of the IRS' former Inspection Service.

TIGTA provides independent oversight of Department of the Treasury matters involving IRS activities, the IRS Oversight Board, and the IRS Office of Chief Counsel. TIGTA's audits, investigations, and inspections are designed to promote the fair administration of the Federal tax system.

Although TIGTA is organizationally placed within the Department of the Treasury, and reports to the Secretary of the Treasury and to Congress, TIGTA functions independently of the Department and all other Treasury offices and bureaus.

TIGTA's Office of Investigations protects the integrity of the IRS and its ability to collect tax revenue. It investigates allegations related to fraud, waste, abuse, and mismanagement concerning IRS activities, and protects the IRS against external attempts to corrupt, threaten, or interfere with its employees. This mission is accomplished through proactive and reactive investigative programs.

TIGTA operates a hotline unit in Washington, DC, for the intake of allegations of wrongdoing. Examples of specific allegations that should be reported include, but are not limited to: attempts by taxpayers to bribe IRS personnel; extortion or misuse of position by IRS personnel; assaults and/or threats by taxpayers against IRS employees; schemes involving the use of computer technology or mail that impersonate the IRS or IRS personnel; misconduct by tax practitioners (falsification of qualifications, theft of IRS tax remittances and theft of IRS tax refunds).

TIGTA's ability to serve the public is dependent on the diligence of IRS employees in reporting wrongdoing. Any indication of fraud, waste, mismanagement, or abuse should be reported to TIGTA directly or through the employee's supervisor. IRS managers are responsible for ensuring that all allegations they receive are promptly reported to TIGTA.

Federal law prohibits reprisal or retaliation against an employee who reports wrongdoing.

The Office of Investigations (OI) investigates complaints and allegations against IRS employees. Special agents will conduct all leads to prove or disprove the elements of the violation, or to show that the issue cannot be resolved. The results of investigations are submitted to IRS management without recommendation as to any action to be taken.

Misconduct by TIGTA employees should be reported to the Special Inquiries and Intelligence Division (SIID). The Division is responsible for three distinct missions. SIID is responsible for conducting sensitive investigations involving TIGTA employees, IRS Oversight Board Members, IRS Senior Executives (Grade 15 and above), IRS Chief Counsel employees, IRS Criminal Investigation employees, and IRS International employees located in Washington, D.C., and U.S. embassies abroad. SIID is also responsible for investigating allegations of fraud, waste and abuse involving IRS procurements and procurement-related misconduct by IRS employees and persons outside of the agency. Third, SIID is responsible for coordinating all criminal intelligence collection and dissemination within TIGTA nationwide.

J. Russell George is the Treasury Inspector General for Tax Administration. The Deputy Inspector General for Investigations (DIGI) is James Jackson. The Assistant Inspector General for Investigations (AIGI) over Field Operations is Ruben Florez.

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Avangrid, Inc. (formerly Energy East and Iberdrola USA), is an energy services and delivery company. AVANGRID serves about 3.1 million customers throughout the state of New York and New England in the United States.

INFO: Full form for ROGI is Radiant Oil Gas Inc in Business category
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INFO: Full form for ROGE is Restructuring of the Global Economy in Business category

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The Georgetown Journal of International Law is a law review published by Georgetown University Law Center. It is among the world's most influential international law journals.

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Cogeneration or combined heat and power (CHP) is the use of a heat engine or power station to generate electricity and useful heat at the same time.

Cogeneration is a more efficient use of fuel or heat, because otherwise-wasted heat from electricity generation is put to some productive use. Combined heat and power (CHP) plants recover otherwise wasted thermal energy for heating. This is also called combined heat and power district heating. Small CHP plants are an example of decentralized energy. By-product heat at moderate temperatures (100–180 °C, 212–356 °F) can also be used in absorption refrigerators for cooling.

The supply of high-temperature heat first drives a gas or steam turbine-powered generator. The resulting low-temperature waste heat is then used for water or space heating. At smaller scales (typically below 1 MW), a gas engine or diesel engine may be used.

Cogeneration was practiced in some of the earliest installations of electrical generation. Before central stations distributed power, industries generating their own power used exhaust steam for process heating. Large office and apartment buildings, hotels, and stores commonly generated their own power and used waste steam for building heat. Due to the high cost of early purchased power, these CHP operations continued for many years after utility electricity became available.

The cogeneration industry says that it can help mitigate climate change.

INFO: Full form for LPIW is Lumber Production and Industrial Workers in Business category

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INFO: Full form for CHPFP is Carolina Horse Park at Five Points in Business category

INFO: Full form for ROGI is Redland Organic Growers Inc in Business category
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INFO: Full form for RENE is Intercorp Excelle, Incorporated (de-listed) in Business category
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Fluoxetine, sold under the brand names Prozac and Sarafem among others, is an antidepressant of the selective serotonin reuptake inhibitor (SSRI) class. It is used for the treatment of major depressive disorder, obsessive–compulsive disorder (OCD), bulimia nervosa, panic disorder, and premenstrual dysphoric disorder. It is also approved for treatment of major depressive disorder in adolescents and children 8 years of age and over. It has also been used to treat premature ejaculation. Fluoxetine is taken by mouth.

Common side effects include indigestion, trouble sleeping, sexual dysfunction, loss of appetite, dry mouth, and rash. Serious side effects include serotonin syndrome, mania, seizures, an increased risk of suicidal behavior in people under 25 years old, and an increased risk of bleeding. Discontinuation syndrome is less likely to occur with fluoxetine than with other antidepressants, but it still happens in many cases. Fluoxetine taken during pregnancy is associated with significant increase in congenital heart defects in the newborns. It has been suggested that fluoxetine therapy may be continued during breastfeeding if it was used during pregnancy or if other antidepressants were ineffective.

Fluoxetine was discovered by Eli Lilly and Company in 1972, and entered medical use in 1986. It is on the World Health Organization's List of Essential Medicines. It is available as a generic medication. In 2019, it was the 20th most commonly prescribed medication in the United States, with more than 27 million prescriptions. Lilly also markets fluoxetine in a fixed-dose combination with olanzapine as olanzapine/fluoxetine (Symbyax).

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INFO: Full form for TENB is Tecnicas Electricas Nicanor Bobes, S.L. in Business category
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Distillers grains are a cereal byproduct of the distillation process. Brewer's spent grain usually refers to barley produced as a byproduct of brewing, while distillers grains are a mix of corn, rice and other grains.

There are two main sources of these grains. The traditional sources were from brewers. More recently, ethanol biofuel plants are a growing source. It is created in distilleries by drying mash, and is subsequently sold for a variety of purposes, usually as fodder for livestock (especially ruminants). Corn-based distillers grains from the ethanol industry are commonly sold as a high protein livestock feed that increases efficiency and lowers the risk of subacute acidosis in beef cattle.

Recently, studies indicate that dried distillers grains with solubles (DDGS) as a food source for human consumption may have some benefit in reducing heart disease risk. The mash left over from the process contains nutrients, such as protein, fiber, germ, vitamins, and minerals, and research suggests that the flour made from ddg will work well with cookies and flatbread. The texture and taste of food-grade ddg, especially corn, has been compared to breakfast cereal.

Ten Network Holdings Ltd, is one of Australia's major media companies. Headquartered in Sydney, the company's major asset is Network 10, an Australian free-to-air television network. Formerly a public company listed on the Australian Securities Exchange, since December 2019 it has been owned by ViacomCBS Networks UK & Australia, a unit of American media conglomerate ViacomCBS.

INFO: Full form for TENO is Techno Dynamics, Incorporated (de-listed) in Business category
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INFO: Full form for NASCA is North American Swing Club Association in Business category
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INFO: Full form for POGC is Pars Oil & Gas Company in Business category

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INFO: Full form for WTMK is Whitemark Homes, Incorporated (de-listed) in Business category

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American Classic Voyages was an American-based cruise ship holding company cruise line, headquartered in Chicago, that operated between 1993 and 2001. The company attempted to take advantage of federal loans and other incentives to build and grow a US-flagged passenger ship industry. The company traded on the Nasdaq Stock Market under the ticker symbol "AMCV". The company operated the Delta Steamboat Company, Delta Queen Coastal Voyages, American Hawaii Cruises and United States Lines.

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AMC Networks Inc. is an American entertainment company headquartered in 11 Penn Plaza, New York, that owns and operates the cable channels AMC (its eponymous brand), IFC, We TV and SundanceTV; the art house movie theater IFC Center in New York City; the independent film companies IFC Films and RLJE Films; and premium subscription streaming services AMC+, IFC Films Unlimited, Acorn TV, Allblk, Shudder and Sundance Now. The company operates in Europe & Latin America through its international division, AMC Networks International.

Through joint ventures with BBC Studios, the company manages BBC America and BBC World News cable channels in the US. Due to this relationship, AMC Networks additionally maintains a minority share in the US operations of the British-TV streaming service BritBox, a joint venture between the BBC and ITV plc.

The company was originally launched in 1980 and formerly known as Rainbow Media Holdings, LLC (or alternately Rainbow Programming Holdings), a subsidiary of Cablevision, but was spun off as a publicly traded company in July 2011. The company is majority-owned and controlled by the Dolan family.

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