By Pascale A Welton


Microsoft access has today become an essential tool for businesses looking to store their critical data safely and more efficiently. But creating and managing a Microsoft database system is complicated and if you are not an expert in this sector, things would not be easy for you. That is why you may require hiring a skilled MS access database support company to assist you with creating, fixing and managing your databases.

Specialists in Microsoft data storage system knows how to identify and fix all problems related to data-bank systems. The fact that they are experts mean they can professional identify all system issues including missing data, record locking problems, low running databases and other related data errors. With these experts, you are sure to get excellent support services regardless of the complexity and personal needs.

In the event you have lost contacts with your data system developer, an expert can assist you restore its smooth working condition. Experts do have the tools and skills and fully understands how MS data systems are encrypted. When you hire one of these experts, you are assured of be able to recover entry to your data system and be able to use it for the right purposes.

Hiring a MS expert is also ideal when you want to improve the effectiveness of your data system. These experts are knowledgeable and know how to add more reports features, fields and data analysis features to your system to guarantee efficiency. This clearly means, working with a MS expert is the way to go if you want to have a data system that is more rigid and effective.

If you hire a specialist in MS data system, they will also help you export and import essential documents. They will likewise assist with automatic creation of emails and documents. If you want to integrate your data system with back-office systems, internet or Microsoft office, they will assist you do that more efficiently and accurately.

A reputable and experienced Ms technician can also help you upgrade your data system from old MS access system to a newer version. This is to say that if you are using old MS access versions such as 2003, they can help you upgrade to latest versions such as 2008 or 2010. This is essential mostly if your company is vastly growing and the data system and coding features in the version you are using do not meet your business performance requirements.

You can as well hire these experts if you want to modify your database system in such a way that data sharing between people and departments will be possible. An expert will know how to link data systems with internet-based storage systems as well as with websites. This will allow for easy and smooth data sharing experiences.

When you have decided to contract the professional services of MS data storage expert, you ought to be specific and careful. It is recommended you do not hire an expert prior to confirming of their expertise, experience and credibility. You may need also to check their website to get the views of their past customers.




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By Thomas Gray


Schools have a tradition to keep as well as student organizations that have been recognized for systems that also support this tradition. They are mostly autonomous but often practice an honor code that complements the principles espoused by the university they belong to. School clubs and societies have existed as long as there have been schools and academies.

Student societies are mostly founded on great ideals and principles. Numerous are the times in history that have sparked the birth of brotherhoods with radical but progressive ideas. Sigma Nu Fraternity Auburn University is one such society practicing the same foundational principles that have stood out and created the best leaders.

It was founded during turbulent times following the Civil War, otherwise known as the Reconstruction Era. The founding members were students enrolled at Virginia Military Institute, an establishment where clubs often physically hazed those who wished entry into the ranks. There were three originals who created Sigma Nu with the purpose of belonging to an honor society that did not use corporal punishment on potential members.

The three were James Frank Hopkins, Greenfield Quarles and James McIlvaine Riley. Hopkins was a veteran soldier and the other two were his close friends who were with him at VMI, an institution known for discipline and engineering courses. They were all rebelling against physical hazing, and for this cause took their solemn oath on a moonlit field in 1868.

Sigma Nu started out as a secret society of honorable men, and at first went by the name Legion of Honor, from the traditional French honor system of the same name. Its symbolic white cross was the pattern used by James Frank Hopkins for the fraternal Badge. The fraternity was one of the first to radically depart from established practice of student brotherhoods.

These three believed that a better system could be had if the abuse was eliminated from the initiation rites of honor systems. This ideal was born from their abhorrence of the strife, hate and destruction of war. Their ideals were that of abiding peace and contentment, which can only be generated by the practice of sympathy and affection.

Auburn University is the home Sigma Nu Fraternity Beta Theta chapter. Auburn is an ideal academic campus where the brotherhood established one of its strongest chapters on September 1890. Auburn believes in the democratic principles of hard work and the wisdom and values it generates.

The Auburn credo is the base where the qualities of ethical leadership values of alumni brothers have been created from, which also provide impetus for promotion into higher ranks. The fraternity also has a tradition of men who lead through the values of Love, Honor and Truth. Up to present times, school creed and the ideals of the brotherhood combined make a vibrant pillar of student life.

Frat brothers welcome all men honest and true for fall and summer rushes. As well, brotherhood socials and occasions are some of the most watched out for events on campus. The proud and colorful traditions of this society are alive and well, an excellent forum for the great democratic values that is the lifeblood of the nation.




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By Janet Boyle


Accommodations is a very crucial human need. Many people in the community today are surviving in rental housing units. This is because buying a house is not an easy venture and not many people have the required savings to accomplish this either. Renew-mortgage, loans and several other facilities have been put in place to simplify securing housing apartment in the community. For this system to work, the client has to secure the services against property.

The organizations that offer such services are known as debt companies and they can be credit unions, building societies or even banks. This transactions is characterized by several features including maturity, size, payment procedure, interest rates and other things depending on the state. Lending brokers are usually put in place to offer help to interested clients. Getting fast secured loan with suitable interest rates on the net is not an easy affair. Several considerations must be made.

The person seeking these services has to be very particular in his or her choice to avoid time wasting procedures. Among the initial things to be considered is the possession of qualification information. For an organizations to provide such work, the workers must have attained a certain level of education. In addition to that, the company must have been fully registered as well.

Matters to deal with money are should be handled with utmost care. The person should take ample time to research on the financial situation of probable service provider. In most times organizations with firm financial foundations are a lot more patient with regulars as opposed to ones experiencing balanced or deficit budgets. Old and well established business enterprises usually have this luxury since they have been in the business longer hence understand related challenges.

An interest rate is the charge that the institution sets upon the secured finances. To the customers, this is the cost involved in accessing the provided services. There are numerous kinds of rates that can be used by these institutions. These include the variable, adjustable and tracker rates. Some companies offer outrageous rates. It is best that this issue is considered beforehand.

A good lender will do more than just lending money. They will offer advice on several other crucial issues such as ways to improve the credit worth of client. Most organizations make the process quite lengthy that at the end of day, the person will be both frustrated and in a financial disarray. A good one on the other hand will have measures in place to ensure that all customers are serviced fast.

Information concerning the reputation of this firm should be sought as well. There are several ways in which this can be accomplished. One way is through making consultations with family, friends and work associates as well. Such people might have useful information on such a venture. Customer reviews can also be referred to for more information. Reading these reviews will help the client to understand the working ways on this firm in general.

Professionals are assigned to help the clientele secure a program that will work for them best. The person should make sure that a selected agent is honest and willing to go the extra mile in ensuring customer satisfaction. In addition that that effective communication skills will also aid much in this venture.




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By Marc McMahon


The city of Victoria, British Columbia is one of the fastest growing in North America. Many factors of the city make it attractive to students, retirees, and all ages in between. Seeking a change in scenery could even be a reason to relocate to Victoria.

Relocating to Victoria is something to be considered by everyone from students to retirees. Students come here to take advantage of the education offered by two universities and a community college. Classes are available in many fields from transportation and hospitality to building trades to high tech. Research is a major point of emphasis at both universities along with work related teaching.

The real estate market in Victoria is hot with the average price of home running more than $500.000. If this seems a bit steep to some considering the area, there are communities nearby that offer homes for approximately half that amount. The metro is sprinkled with secure gated communities and golf course communities as well as a fair number of facilities that focus on caring for the city's retirees.

Victoria is popular among retirees. The weather is one primary reason. The climate is temperate year round with temperatures remaining well within a comfortable range all twelve months. The geographic location of the city produces an effect known as a rain shadow that means it remains dry and rain free most of the time. This fact is surprising when considers that the city is located on an island. Residents have access to a wide array of water sports and the city is a popular stop for cruise ships, which pumps a great deal of money into the local economy.

Those retiring to Victoria do not have to worry about how they will receive health care. Six hospitals and several clinics offer access to over 500 physicians. State of the art oncology care featuring chemotherapy and radiation is also available to those suffering from cancer. Medically necessary care is covered under a comprehensive medical services plan managed by the province.

The economy of the city is diverse. A number of government offices are located here as well as a booming tourist trade. Education plays a large part in the local economy also. In addition to these, one can find a number of construction and marine industries contributing. There is also a healthy real estate trade in the area.

Foodies can find a wide range of cuisines to satisfy their varied tastes. This is because Victoria is second only to San Francisco in all of North America in restaurants per capita. It is the leader in Canada. Many different types of food are available from all over the world. Fish and seafood are prominent given the island location.

Anyone who is concerned about personal safety and security will be pleased to learn that the city has a very low crime rate. Despite its size, the city offers residents the ability to walk down the streets after dark without feeling excessive fear for their safety. This feeling is another reason many people choose to move to Victoria, British Columbia.




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What is different from mortgage loan

For most ordinary people the difference between the credit and mortgage seems irrelevant - any option involves getting to borrow money from the subsequent payment of certain parts. Meanwhile, there is a difference and it is expressed in the difference between the conditions of registration and reception, as well as the repayment of the loan taken. Let's see what is different from a mortgage loan and that it is better?

Credit - the definition and the conditions for obtaining
The loan is defined as a form of relationship, during which the value of the available free copyright is transferred to the jurisdiction of another entity. In another way, this concept implies that the creditor, having some money or goods can transfer it to another person on the terms of repayment, urgency and payment. The borrower receives a loan product is obliged to repay the debt within a certain period, together with accrued interest, which stipulates the terms of the contract. In the context of contemporary realities often become the subject of the loan funds.


Credit is ready to offer its customers any bank, but credit conditions may vary. In particular, the interest rate can vary from 16 to 75% per annum, depending on the package of the documents submitted and the level of solvency of the borrower. The loan may be provided as a guarantee and be without collateral. Term lending is most often no more than five years.

Credits can be targeted, that is intended for a specific purpose - the purchase of household items, for the repair of apartments, on receipt of payment and so on. Maybe a loan and misuse. In this case, the client is not obliged to explain bank lending target.

Money received in the loan, the borrower can spend on that wish. In this case the acquired property on credit does not become a bank guarantee and the owner can dispose of it at their discretion.

Mortgage - this is, and under what conditions it is made?
The mortgage is also a form of lending, but it is issued for a specific purpose - a mortgage loan can be spent only on the purchase of housing. Under the terms of the mortgage contract purchased property is pledged to the bank that becomes collateral loan for the entire loan period. Thus, if a customer falls into a difficult financial situation and can not pay the debt, the real estate property will go to the bank to collect a debt.

For registration of the mortgage will require a much larger number of documents than a direct loan. Also you need to pay mandatory insurance and to pay some of the bank's commission. Dispose of the apartment mortgage borrowers will be able only after payment of the entire amount of the debt, until this moment, he is only entitled to reside in the purchased housing.

The interest rate when you make a mortgage is much lower than the rate on consumer credit. If the normal lending rate can reach 75%, the mortgage can be issued under the 10-15% per annum. Upon cancellation of the insurance percentage may increase by a few points, but for the majority of banks mortgage insurance is a must.

A significant advantage of the mortgage and lending terms. Mortgage loan can be taken for a period of 20-30 years. In addition to the amount proposed in mortgage lending, at times more consumer high.

Compare and contrast the loan on mortgage
The difference between the mortgage loan can be generally defined as a special mortgage credit form. Lending involves a loan of money for a certain period to repayment. The loan may, provided a guarantee or not, but in any case for the use of borrowed funds necessary to pay the interest agreed in advance. Mortgage - a cash loan to pThe main differences between the loan and mortgage can be expressed as:

- Credit - is a broad concept, while the mortgage is only one form of credit;
- Loan can be collateralized or unsecured, while the mortgage contract is always made out on bail acquired property;
- As a credit facility can serve as money, as well as certain goods in mortgage lending borrower always gets money for the purchase of housing;
- The issuance of the loan can be engaged in any financial institution, and the mortgage is the prerogative of the banking institutions;
- The size of the consumer depends on the collateral value of collateral and proof of income of the borrower, the amount of mortgage loan is determined on the basis of the applicant's income and can be increased to the maximum.

Thus, the difference between the loan consumer and mortgage becomes apparent. Each type of loan has its pros and cons. Choosing a loan product is based on their capabilities and needs.urchase housing at which purchased property becomes collateral until full repayment of the loan. And in fact, and in another case, the borrowed funds must be returned to the specified in the contract period.



Types of mortgages and mortgage lending

If buying a home you do not have enough money, you can always use the services of banks accounts. This service provides a wealth of opportunities for the purchase of more comfortable, more spacious and more convenient for its location apartments. But the mortgage - this is a delicate matter, to which must be approached very seriously, because, as with any loan, you get a sum, but to give, though parts have a lot more money.

Also, each type of mortgage has its own separate individual nuances. Let's start with the mortgage on the primary (secondary) market. Borrowers may be only those persons who have attained the required age (twenty-one), but not older than 65 years (in various banks age difference sometimes set slightly differently), and having at the same time work experience (which in today's work place) at least 3-6 months. The features of such a loan (mortgage) can be considered that the initial payment must be about 10% or 20% of the total amount, the interest rate can not be less 11.45%, but the loan itself can be taken right up to 30 years (some banks give time and up to 50 years).



ipotekiEsli types you are unable to pay the initial fee, then the most suitable mortgage, not taking into account the initial fee. But it has its caveat - the interest rate will vary (approximately 1-1.5% of the normal rate mortgage).

Next, let's talk about the mortgage, which is issued on bail. Namely - on bail of any property, always owned by the borrower. Usually such a loan taken on the purchase of property (buildings), which is not accredited in the bank. This mortgage has a plus - oddly enough, borrowed money can be spent on the apartment, and on other similar desires.

Mortgage on two documents does not require confirmation of a steady income from the borrower. This type of mortgage is very useful to individual entrepreneurs, businesses and those who receive not only the "white" wages (in fact confirm the presence of a virtually impossible). To obtain such a loan from the client require only a passport and the other a document that can confirm the identity of the borrower. But here, too, there are two peculiar conditions: interest rate increase (0.5-1% of conventional mortgages), and the initial contribution even more - 35%, and some banks - 40%.

credit card debt

Making credit card requires a clear concept of what a credit card debt, of which the constituent elements of it consists. Typically, the card is issued for a specified period, which depends on:

- Payment system, it can be of VISA, master card etc..
- The type of card, the standard is the Classic, electron
- By their own regulations, a single bank

payable by credit karteVremya action is primarily due to security requirements, that's why in the case of online payments online is usually requested expiration date.


Credit card is issued to a certain limit, that is, the amount that you can borrow, which may have a borrower - credit card holder. Often, if the client for the first time refers to the bank for a loan, and up to this point has not been served in this bank, it provides the minimum amount and then follow his credit history, how and to what extent, repaid the debt, how active he uses the card on how timely are his required payments. And if the customer earns a good reputation, it gradually increases the amount of bank credit limit, of course, prior coordination with the client. One way to improve this reputation is to pay regular payments - internet, telephone.

Learn debt on the map

Credit card debt is the sum of the mandatory repayment of the loan, ie the principal amount, which was used by the client at the time of determining the amount of payment and the amount of accrued interest, which the customer must repay, they are awarded for the use of money as a residual, that is, the balance of debt . Interest initially determined, even before the conclusion of the contract.

They can be of several types:

1. Annual interest rate - the percentage of the primary, it is calculated as an annual rate on the basis of 12 months in a year and 30 days in a month, he calculated monthly on the balance of the debt that the borrower fails to repay.

2. Hidden interest - fixed percentage of the total monthly repayment amount, it is usually not large and when paying almost imperceptible, because not separately allocated. He also certainly prescribed in the contract. Just a "hidden" interest can be a one-time interest charged to the customer at the time of registration and the issuance of credit cards, it is charged on the total amount of the initial credit limit. Back in debt it includes interest and penalties for late payment of the main.

Check your credit card debt can usually be on the bank's website, where you are served in a private office, or call customer service.

Guarantee agreement loan

With loans now I had time to get to know almost everyone - someone like the borrower, and someone, and as a surety. As a rule, the role of the guarantor agree only close relatives and friends of the borrower, but even if the intentions are pure and that revenues allow arrears without pay on the loan, sometimes consent to bail has to bitterly regret.

By signing a contract of guarantee contract of guarantee, the guarantor borrower shares with all his duties and responsibilities to the lender. If the borrower to repay the loan will not be able to, the credit will fall on the shoulders of the guarantor, is obliged to pay the debts of others. In the case of non-payment of another loan, the bank may go to court and demand to eliminate debt from the funds and property of the guarantor. Also, do not forget about the debt transfer procedure of the loan in case of death of the borrower. Under the law, the guarantor will be required to pay the remaining amount of the loan plus interest and fines for delay loan. The chance of a successful termination of the contract of guarantee in this case is zero.


It is worth remembering that the responsibilities of the borrower and the guarantor are almost identical, but the rights under a contract from the guarantor virtually none. By signing the treaty, the guarantor prefer to think that the borrower will pay all without any delay, but when the loan becomes a problem, give up the guarantee the burden was too late.

How to terminate the contract of guarantee

Doubt the correctness of the decision after signing the contract, it should terminate until the borrower no problems, and the loan is paid without delinquency. Getting rid of the guarantee can provide banks with a new candidate to replace themselves. A new candidate for the surety must have a stable income, good credit standing and, of course, the desire to become a guarantor.

Parting with the duties of a guarantor can, if payable by credit card or loan has been transferred to the new borrower. Depending on the financial situation of the new borrower, guarantor or do not need, and if required, they will have someone else.

At the signing of the contract of guarantee is worth paying attention to the specified expiration date. If the expiration date is not specified, following the letter of the law, within a year the surety is considered free from any obligations. Treaty should be given special attention. After careful consideration of the documents before signing, or using the services of a lawyer, you can always find a place, which, if necessary, be able to help get rid of the guarantor responsibilities on someone else's loan.

the Russian financial market, which, together with the whole economy is in obvious crisis, this year suddenly discovered a segment leader, who showed tremendous growth. They turned out to be life insurance. Judging by the numbers, this trend in our country is growing faster than all the world markets in this sector. Experts attribute this not only to the fact that sales to the policies actively involved banks, but also the beginning of the last changes in the attitude of Russians to the values of life and health. The cause of these mental changes, oddly enough, it was the crisis.

On the market trends of the regions reporters recently told a seminar in Moscow on "Insurance in the media mirror More life -. 2016", organized by the Association of Life Insurers (HOAs) and the All-Russian Insurance Association (ARIA).


Preliminary results of the domestic life insurance market development in the first nine months of 2016, which promulgated HOAs together with BCC, indicate fold increase. The studies were collected and analyzed data on the premium collection and payment of the 22 member companies and HOAs BCC, representing a total of more than 98 percent of the life insurance market.

The total amount of insurance premiums for the first nine months of this year increased compared to the same period in 2015 by 75.4 percent and amounted to 171 billion rubles. Moreover, only one third quarter of our fellow citizens bought the policies at 65 billion rubles. "This is a huge increase and it is happening against a background of stagnating financial market in Russia." - Said the president of HOAs, the head of JSC "Insurance company MetLife" Alexander Zaretsky.

Collection of premiums for other personal insurance reached 24 billion rubles against 10 billion rubles in the first nine months of last year. The total amount of insurance payments for three quarters of this year also increased - by 46.5 percent compared to the same period of the previous year, up to the amount of 26.45 billion rubles. life insurance payments increased by 33 percent and amounted to 20 billion rubles. "Thus, life insurance now - the fastest growing segment and in insurance, and in general in the financial market of the country", - concluded Zaretsky.

The main driver of this dynamic was the investment life insurance (COLI). Booming demand for such policies, experts explain, including the fact that the rates on deposits in domestic banks fell, investors began to look for an alternative to their investments and invest the money in the COLI. In the future, this rate is not guaranteed, especially if credit institutions again become actively develop the segment of deposits or if tougher regulation. However, since the lion's share of the population has no plans to take out loans in the near future, banks are unlikely to lose interest in the sale of COLI policies.

In the Saratov region, according to the director of the Saratov agency insurance company "Renaissance Life" Tatyana Ushakova, in 2013 the total fees on life insurance amounted to 1 billion 36 million rubles, in 2014 - 1 billion 437 million (38.7 percent), 2015 - 1 billion 238 million rubles (-13.88 per cent). At the end of the 1st half of 2016 life insurance premiums in the region have collected 732 million rubles, which is 16.5 percent more than in the first half of 2015.

According to the CBR, in 2013, was concluded 31 thousand 841 in 2014, in the Saratov region of life insurance contracts -. 33 thousand 715 in 2015-m. - 32 thousand 870 contracts.. "In general, the dynamics in the number of contracts repeats dynamics of charges: increase in 2014 and a small downward correction in 2015," - says Tatiana Ushakova.

"Saratov region - a vivid reflection of the situation in the Russian insurance - said our newspaper, the official representative of the company" Alpha Insurance "Yuri Nekhaychuk - Here the situation is exactly the same as in the whole country:. Decrease in new car sales led to a slight reduction of interest in the hull, but residents of Saratov region is still very interested in the preservation of property, health and their loved ones in the accident insurance. Actively developing and investment life insurance. "

"The replacement of the insurance of credit borrowers cumulative and investment insurance programs means improving the quality of development of the industry - sure Tatyana Ushakova -. After all, if in the first case it is usually a question of imputed services that are in addition to the loan, in the second case there is a conscious appeal person for life insurance as a separate product. "

"It is in the segment, which employs our company - a long-term life insurance, we see that the interest of the population of the Saratov region is growing. Our fees in 2015 were rooted to nine percent - said" Newspaper Our Version "Sales Director of the company," the PPF Life Insurance " Stefan Vanchek -. In the segment of classic life insurance leads long-term savings insurance, which allows people to protect themselves from the risks associated with the loss of health and accidents, while allowing to save money in the future when people feel insecurity, they are looking for tools that can help. reduce threats and risks for themselves. it is for this and need long term care insurance products. "

"The reasons for the industry's growth is partly laid just in a difficult macroeconomic situation in the country - agrees Tatiana Ushakova -. While credit insurance faded into the background, the new drivers become long-term products of investment and savings insurance This is largely due to the fact. . that in terms of economic instability citizens feel particularly shortage of reliable methods of capital investments and protection against risks Firstly, the changing priorities of the middle class -. with consumer focus has shifted to the conservation and protection of personal capital Second, transforming the behavior of private investors - instead of return with high risk to the fore the reliability and investment protection in the third, unstable period is increasing the value of risk protection -. this also applies to health, and accidents An additional incentive for the industry was the introduction from the beginning of 2015 tax deductions under the contracts. life insurance, concluded for a term of five years. "

Another trend of the last time, this time negative, - activation of scams in personal insurance. If before on various "legal" and unscrupulous figures (which often act as a part of organized criminal groups) complained only companies that sell motor types of insurance (MTPL and CASCO), now taint of fraud are increasingly began to spread to other segments of the insurance market. Ways in which scam artists are trying to heat up the insurance business, more and more. Sometimes they draw up policies for several different companies, then "arrange" an accident as a concussion or bone fracture, and require payment. This sometimes manage to submit the same x-ray image in different episodes, changing only the name of the victim. From such schemes suffer not only insurance companies but ultimately honest consumers, since all costs, expenses and losses of the business has to lay in tariffs on policies.

In Saratov, life insurers also experienced outright fraud. "In 2014 there was an incident that caused a resonance in the region. 26-year-old resident of Saratov devised a plan to commit a hard and cynical crime. Together with two accomplices, he was planning to get from the company" Renaissance Life "insurance compensation in the amount of 9.892 million 660 rubles, adjust the traffic accident in which was killed unsuspecting insured - says Tatiana Ushakova -. Fortunately, to implement its plan to the organizer could not, his criminal activity was foiled As a result, the court sentenced the offender to seven years of imprisonment. punishment in the colony. "

In the Saratov Regional Duma discussed the draft law on Territorial Compulsory Medical Insurance Fund Budget for 2017 and the planning period of 2018-2019 years. Revenues and expenditures of the treasury will make 23.255 billion rubles. This was at a meeting of the regional parliament, said the head of Andrei TFOMS Sauhin. According to him, for the year revenues increase by 5.6%. So, at the expense of federal subsidies will be received 1.247 billion rubles. On the activities of the fund unit will send 115 million rubles.

Recall that in the budget for 2017 by almost 10 billion rubles will send for compulsory health insurance of unemployed population. As a result, the bill was passed in two readings.



Another issue discussed by deputies, touched checks HBC and condominiums within the housing and municipal control. Addressing the gathering, the deputy head of Saratov on Urban Affairs Sergey Pilipenko offered to lift restrictions on these audits. Innovation, according to the authors of the bill, are necessary for a more expeditious consideration of citizens' appeals.
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