Project managers must know, understand, and reckon with the environment in which their project lives, and they must comply with it. This new standard for portfolio management addresses the broader issues of managing multiple projects in organizations. ”. Mega Rule Overview. 40. Developed under a process based on the concepts of consensus, openness. If so, simply change the compatibility settings on your browser. But see § 1026. The CC Rating System serves as a useful tool for. Service. net #7 915 794 with 10 040 273 points. El PMI o Project Management Institute es la asociación profesional líder en dirección de proyectos. com #6 040 311 with 13 232 673 points and completelincoln. com #12 025 358 with 3 036 489 points. com. Complimant. A two-hour webinar to review the origination of a mortgage loan. EST. Use of standardized language. Integrated Report 2022. 7 min read. Meet the executives who lead and manage our team and initiatives across the globe, implementing the. ARM your rate stays the same. The Bureau of Consumer Financial Protection (CFPB) is issuing this compliance bulletin to provide guidance to assist residential mortgage servicers and subservicers (collectively, servicers) in their compliance with the private mortgage insurance (PMI) cancellation and termination provisions of the Homeowners Protection Act of 1998 (HPA). In fact, nearly everything we interact with was conceived by a project manager. Update: Pursuant to further legal review, we have decided to modify the configuration of the CT PMI Disclosure (Cx1029) to remove the Occupancy = PrimaryResidence print condition. 3. Certifications for every stage of your career. The regulatory process includes, at a minimum, the development of environmental impact reports or statements, permit applications, public hearings, and permit issuance. Or try using a different browser such as Mozilla Firefox or Google Chrome. The Project Management Institute (PMI). Cost: $670 for non-PMI members, $520 for PMI members. The USAID-funded. It’s as easy as 1-2-3. concordia. By complementing PMI's The Standard for Program Management, the PMBOK® Guide and OPM3™, these standards further enable managers and organizations with a comprehensive approach to managing the project. com ranks beside completelandscapecarecolorado. com #6 040 323 with 13 235 787 points and complianceprotection. Nau mai, whakatau mai. Initial audits can take two years, and self-assessment can take up to a year. QMS Document Document #D00019, Rev. de #8 836 978 with 8 480 882 points and detec. We belong to many carefully selected business and trade associations around the world. Everything from application to closing! Originating a mortgage loan is perhaps one of the most difficult processes among all lending products from a compliance standpoint, particularly with all of the changes due to the 2008 financial crisis and the resulting Dodd-Frank Act. Compliancepmi. 4. As the world confronts the coronavirus pandemic, the problem facing many businesses, schools, and hospitals is primarily one of uncertainty. [email protected] #11 527 461 with 3 904 094 points and ktastrologer. أغسطس ١٩٩٠ - مايو ١٩٩٢ عام واحد 10 شهور. Read more > Rope Access, Fall Protection and OSHA: Regulatory Updates and You Presenter: Loui McCurley | Webinar | This presentation will. gov. gov. A World Leader. Ability-to-Repay/Qualified Mortgage Rule. Copies of this document can be obtained free of charge by contacting the Association for Project Management (APM) or by downloading from. In listing the reasons for the success. Welcome to Philip Morris New Zealand. Project managers have been discussing Bruce Tuckman's stages of group development for. Ability to repay (ATR) and updated (2021) qualified mortgage (QM) reviews and threshold tests. This course is offered as part of the Construction Professional in Built Environment Projects (PMI-CP) certification. Supervision policy and examinations. Private mortgage insurance (PMI) is a type of mortgage insurance you might be required to buy if you take out a conventional loan with a down payment of less than 20 percent of the purchase price. Complexneeds. pk. In the overall ranking compliancepmi. 6. Rent1nj. first last company crvpm # advanced c-vmpra # casra # crbcma; mick: kless: compliance education institute: cei-crvpm-a00001: level vi: cei-cvmpra-a00001: cei-casra-a00001Publish an article or start your blog on a topic of interest within submission guidelines. Apply risk management principles to the portfolio, program, and project domains within the context of an enterprise risk management approach. Citizen Developer. PMI Mortgage Insurance (PMI) is an affordable financial tool that enables home buyers to purchase a home with a low down payment (less than 20%) or refinance when having a loan-to-value (LTV) greater than 80%. gov. Acronym. We would like to show you a description here but the site won’t allow us. org. Reports to the PMI Ethics & Compliance Help Line can be made anonymously, subject to local laws and regulations. We would like to show you a description here but the site won’t allow us. business activity data. We expect exceptional results obtained only in full compliance with the letter and spirit of applicable laws and regulations, our internal policies, and our values. To accomplish this, PMI VectorLink uses a variety of innovations, from the use of smartphones to monitor environmental compliance/safety of IRS program implementation, to. The post-merger integration process (or M&A integration process) is greatly affected by the planning or lack thereof, that takes place at the start of the deal’s lifecycle. PLEASE NOTE THIS IS A SAMPLE SET OF DOCUMENTS AND PROVIDED SOLELY AS A COURTESY. Legal and compliance experts, managers and university leadership are here to help. If you don't know your PMI percentage, calculate for the high and low ends of the standard range. The logic of this should be self-evident. Completed forms should be returned to your Volunteer Engagement Liaison VEL. Email: [email protected]. Several overlap with those required to meet GDPR, HIPAA, and other privacy mandates, so a few of them may already be in place in your organization. ”. I am a driven and strategic Safety, Health, and Environmental Specialist, with expertise in managing all aspects of health, safety and environment (HSE) Management. Opportunity Ab Associates seeks a qualified Technical Specialist 9 / Environmental Compliance Officer, PMI AIRS Project, Jamaica to support the International HData center physical security. Principles of Successful Projects. A compliance matrix or compliance traceability matrix is a valuable cross-referencing tool used in proposal development. Indeed, because compliance issues define the business and. Project governance is an “oversight function that is aligned with the organization's governance model and encompasses the project life cycle,” according to A Guide to the Project Management Body of. Measures include competency self-assessment, internal audits and reviews of practice, organizational gap analyses,. O completecare. Compliance-testing. 1. Germany's downturn showed signs of easing in November with both manufacturing and services activity falling more slowly than in previous months, a preliminary survey showed on Thursday, raising. Manufacturing activity, which has. net, n°12 025 355 avec 3 061 824 points, et de compliancepmi.  The CFPB stated it issued the bulletin because it has â  identified substantial industry confusion over implementation of. Verify the LTV ratio of the mortgage loan meets Fannie Mae’s eligibility criteria. Testimonials. Reduce workplace accidents and subsequent costs. In the overall ranking complimant. When a member pays off his first mortgage, are we allowed to deduct the escrow balance from the payoff amount or do we have to refund the balance of the escrow account to the. That means conducting due diligence, assessing risk for fraud and identity theft, assigning compliance officers, and training. 6 _____ V. The Automatic Exchange of Information (AEoI), building on FATCA, will become reality for Switzerland for most other clients on 01 January 2017! Others, such as MiFID2, are upcoming. tv ocupa o lugar nº11 070 948 juntamente com o belisspo. In the overall ranking compliance-testing. Or try using a different browser such as Mozilla Firefox or Google Chrome. This overview refers to the requirements and activities imposed by various regulatory agencies as “the regulatory process. tv recebe aproximadamente 265 visitantes diários, 7 950. To be clear, regulations should continue to dissuade people from starting to smoke. Summary Project Management Institute (PMI) has developed and published a Code of Ethics and Professional Conduct ("the Code") that describes the expectations of project management practitioners. C. The ability to understand how the project team views their capability to effectively raise red flags is the key component to this integration. We would like to show you a description here but the site won’t allow us. Fully customizable to meet the ever-changing needs and challenges of your agency, PMI Evidence Tracker™ streamlines. Instead, the Bulletin outlines. Developed under a process based on the concepts of consensus, openness. ”. H ANDING A SCOPE DOCUMENT to a project manager and saying “Bring the project in on time, under budget, and exceeding the client's expectations” is like handing a baseball bat to a player and saying “Hit a home run. PMI members have determined that honesty, responsibility, respect and fairness are the values that drive ethical conduct for the project management profession. This year, the dominant theme for technology companies has been working to enable AI. Be it regulatory compliance, workplace safety issues, or corporate social responsibility considerations, all projects require compliance… Uphold business ethics and integrity. org. The Project Management Institute (PMI) created a framework called the Project Management Body of Knowledge (PMBOK). Complexneeds. by Reid F. This is a Compliance Aid issued by the Consumer Financial Protection Bureau. The Homeowners Protection Act of 1998 (HPA), 12 U. - Professional with 20+ years experience and proven results in risk management, regulatory compliance, project management, complex audits, private and retail banking, asset management, and finance. Under section 4902 (a) of the Homeowners Protection Act of 1998 (HOPA) a borrower has the right to request PMI cancellation in writing when, based either on the amortization schedule or actual payments, the principal balance reaches 80% of the original value or the property. We clearly define the ethical and compliance expectations to which we hold ourselves and the third parties with whom we work, and we back up. With only limited knowledge about Covid-19 to work with, and further hindered by a nationwide shortage of available testing, employers and administrators are left with the difficult task of assessing their applicants. com receives approximately 486. The Debt Management Office said on Wednesday it planned to sell 237. In organizational project management (OPM), governance provides guidance, decision making and oversight for the OPM strategic execution framework. S. Ensure the safety of clients and the public. Complexneeds. Jacek Olczak, Chief Executive Officer, Philip Morris International 1. O completecare. The PMI Code of Ethics and Professional Conduct describes a set of guidelines developed by the Project Management Institute (PMI). This salary trends is based on salaries posted anonymously by PMI employees. mohtasib. Summary. While. Philip Morris Manufacturing & Technology Bologna (PM MTB): PM MTB is Philip Morris International’s Center of excellence, worldwide recognized for prototyping, mass-volume production and employees’ training on smoke-free products. This process is set using software and is the basis of your project. In fact, 58% of top performers cited the central strategic risk management team as a success factor during crises. The logic of this should be self-evident. Instead, count only on project management experience. Here are a few examples of how these rules apply in our day-to-day marketing: We don’t use cartoons, youth. Trouble logging in? If you’re using Internet Explorer 11 (IE11) as your browser, you may have a problem logging in. BackgroundIBM was engaged to create and execute a project office overseeing a large portfolio of Year 2000 maintenance projects with fixed end dates, limited resources and complex organizational and functional interactions. NON-MEMBERS: $350. pk erhält etwa 255 tägliche, 7. The declaration is to confirm compliance with the CMA’s Private Motor Insurance Market Investigation Order 2015 (the PMI Order) and. 05 Apr 2023. Developed by practitioners for practitioners, our certifications are based on rigorous standards and ongoing research to meet the real. Use of standardized language promotes. g. 09/2005 - 05/2012. Additionally, we provide drug testing options that meet the requirements of the Department of Transportation (DOT). Mortgage insurance, in one form or another, is a common attribute of mortgage loans within the United States. Core Type: Polymethacrylimide (PMI) Foam. 08/14/2016. The ERC is authorized to resolve and end all ethics cases brought to the Institute, and to order. Private mortgage insurance, or PMI, protects the lender in case you default. As part of our ongoing commitment. To deepen your knowledge and perspective, we provide numerous articles, papers and webinars. Question: Why do I need to do a background check for my application? What is the purpose?Answer: The background check is used strictly for admission purposes. University Compliance Services' annual Compliance and Ethics Week interactive session took place on Monday, November 7, 2022. 08, Total of pymts $210,425. By Jill McKeon. You're usually required to pay for PMI if you make a down payment that's less. It is not necessarily a useful or an appropriate system for ongoing factory production or for making a phone. The background check is not for determination of employment or graduation. This process can be simple or extensive, depending on the size and complexity of the project as well as the. Completed forms need to be emailed to PMI. The Top 10 Percent are delivering on multiple aspects across five key dimensions of PMO maturity: governance, integration and alignment, processes, technology and data, and people. (1) the term "borrower paid mortgage insurance" means private mortgage insurance that is required in connection with a residential mortgage transaction, payments for which are made by the borrower; (2) the term "lender paid mortgage insurance" means private mortgage insurance that is required in connection. Authorized Training Partner. mohtasib. *Participated in making physical detailed models for designs. Enhance corporate image and attract higher caliber applicants. Committee on Payments and Market Infrastructures (Bank for International Settlements) CPMI. This article covers the guidelines for positive material identification (PMI) of pressure-retaining alloy material components, alloy bolting, welding consumables, welds, weld overlays and cladding. This presentation, held at PMI Switzerland on 01 November 2016, first provide the background of the financial crisis of. As such, we have developed this mortgage regulations cheat sheet including common regulations like the Fair Housing Act (FHA), the Equal Credit. Services. 25% of the entire mortgage loan amount annually, depending on factors like the size of the loan and your credit score. PMI is a type of insurance that may be required for conventional mortgage loan borrowers when they buy a home and make a down payment of less than 20% of the home’s purchase price, PMI may become a part of your mortgage payment. Safeplumbing. 43 (a), Scope. Microsoft takes a layered approach to physical security, to. Ethics in project management: issues, practice, and motive. 20. Speaking Engagements. PMI Educational Foundation. § 4901. It’s a table that spells out each requirement stated in the RFP and then lists exactly where in your proposal (section, page number, etc. Communications inform the team and stakeholders, therefore the need to plan. 50. Compliance is attained by defining roles, assigning outcomes and cardinalities to results as well as by establishing states with conditions and activities for results categories. Ask us if you have any questions about our supervision policies or the contents of our examination manual, or send us your suggestions and ideas. A CMS organizational structure. It is essential to keep specific considerations in mind, such as: Having a clear understanding of the experimental goals. com o lugar nº11 070 950 com 4 680 318 pontos. Completelandscapekc. If you have been asked to complete a background check, one is required for acceptance into the program of study and/or to attend clinical at a hospital or healthcare facility. Governance. pk neben twelve21boutique. As with any successful project, implementing a compliance program needs careful planning, organizing, and execution from start to finish. de receives approximately 332 daily, 9 960 monthly and more than 119 520 yearly unique visitors. In a Reuters poll, bond market participants had predicted the remit would. PMI examination may be carried out at the fabricators, vendors or material suppliers facility. Use methods to support compliance. This Code stands on four strong pillars that ensure a considerable reduction in risk and an increment in the chance of positive results. By 1 st February every year, PMI providers providing or arranging PMI products must submit an annual declaration in the form of a Compliance Statement to the Competition and Markets Authority (CMA). The key is to keep the metrics simple, practical and relevant to the organization. The interview and assessment stages are a chance for us to get to know each other. org. ONEIDA ST, GREEN BAY, WI 54304. Define ‘Done’. In an effort to provide clear and helpful disclosures to consumers during the mortgage loan process, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) directed the Consumer Financial Protection Bureau (CFPB) to integrate mortgage loan disclosures under two federal statutes: the Truth in Lending Act (TILA). The Code of Conduct chapter on Preventing Bribery & Corruption makes absolutely clear that we must scrupulously honor. The Manual incorporates examination policies, procedures, and. Complaints. American DataBank is committed to protecting the privacy of our users. Mortgage Compliance Processor. Borrower Defense Rule. Learning Library. org. If this lump sum makes you gasp, consider the fact that after only three and a half years of monthly premiums, you would have paid over. The limit for 2005 was $359,650. Technical Information Security Compliance Analyst with over 10+ years of professional experiences in Project Management, Information Technology. (Measure and confirm the project is in compliance) The final task we cover in this module is measuring the extent to which the project is in compliance. Question: Is a background check required?Answer: Yes. org. org. 1 day ago · Nov 24 (Reuters) - U. ISM Manufacturing Index: The ISM Manufacturing Index is based on surveys of more than 300 manufacturing firms by the Institute of Supply Management . Th. In general, you’ll pay between $30 and $70 per month for every $100,000 borrowed, according to Freddie Mac, a government-sponsored enterprise that buys and sells mortgages on. You can click on the Get the BPI Web Feed link on any of our page to create the best possible feed for your site. The Homeowners Protection Act of 1998 (HPA or PMI Cancellation Act, or Act) was signed into law on July 29, 1998, became effective on July 29, 1999, and was later amended on Dec. It’s a table that spells out. Compliance-testing. Global Accreditation Center. com. Project managers must know, understand, and reckon with the environment in which their project lives, and they must comply with it. Average salaries for PMI Compliance Assistant: $46,458. Analyze the consequences of noncompliance. The Consumer Compliance Examination Manual is a primary resource and reference tool for FDIC compliance examination staff to use in support of conducting Consumer Compliance and Community Reinvestment Act examinations and other supervisory activities. I have significant work experience in the construction of refineries, LNG process plants and. In the safety world, this is called Stop Work Authority. 5-22. The core values supporting the PMI Code of Conduct are as follows: 2. Section 1026. PMI Code of Ethics and Professional Conduct 5 4. com is ranked #6 040 312 with 13 232 671 points. No project is an island. 3. When integrated with the scope/quality of the project and time management, these three functions form the core of Project Management. The Consumer Financial Protection Bureau (CFPB) today issued a Supervisory Highlights report, which shines a light on legal violations identified by the CFPB’s examinations in the first half of 2021. Disciplined Agile. Last updated: September 05, 2021. Safeplumbing. These four pillars of property management, as well as offering realty and brokerage services, provide owners with service options that build value and are. com. 1. Agile teams are working in regulatory compliance scenarios. stock market will be opened for a half-session, with trading ending at 1 p. 86. Email: compliance@piedmont. g. PROVEN SUCCESS Project Management Experts At PMAlliance we partner with our clients to provide mission-critical project management training and project management consulting services. gov. Here's a job opening in one of our many offices worldwide. You need to enable JavaScript to run this app. ca #7 234 310 with 11 201 786 points. Definition. We are committed to transparency and disclosure, and our Integrated Report 2022 shows the progress we are making toward a world without cigarettes. This allows the Top 10 Percent to have greater influence and impact in their organization and ultimately deliver more successful project outcomes. PPMI. 8am - 6pm EST. He has over nine years of experience in Operations, Occupational Health Safety and Environmental (OHSE) management, and Project Management, with certifications from ISPON, NEBOSH, and OSHA. An agreement to provide money to. PMI-ACP training will prepare you to become an Agile Certified Practitioner, the industry standard for those who lead Agile software projects. Im Gesamtranking rangiert complaints. ca ranks beside qstat. We respect the law. As you can saw in Figure 1, the 2016 Agility at Scale study found that two-thirds of agile teams face either regulatory, organizational, or both forms of compliance. The primary constraints are scope, time, and budget. The three day time frame for re-disclosing on a new LE to show the MI has passed and now the borrower wants to pay for MI upfront. We plan to cover: Overview of LER trends and triggers. Lender buys the MI and increases borrower’s note rate or discount If lender points to indirectly cover the cost of the MI premium. As a leading international tobacco company, whose products are sold in more than 180 markets, we understand the increasingly. Additionally, we provide drug testing options that meet the requirements of the Department of Transportation (DOT). If approved, next you’ll request your exam accommodations:powered by PMI Alliance Welcome back! Your Email Address. For purposes of this section-. The paper describes metrics implemented at The Bon Ton Stores, and the processes put in place to establish and measure. 38(b)(4) does not prescribe any specific policies or procedures that a servicer must implement; the rule says that the policies and procedures must be “reasonably designed” to achieve the goal of facilitating the transfer of information during servicing transfers. The questions and answers below pertain to compliance with the Mortgage Servicing rule, and Regulation X and Regulation Z effective April 19, 2018. Project management is the process of leading the work of a team to achieve all project goals within the given constraints. Data collected includes the number and duration of structured learning engaged in annually, topics of the learning,. Grow your business or non-profit with the very same building blocks trusted by many of the world’s top organizations. From your description, I know we have assigned a custom compliance policy, but it is not applicable to VM. Background checks are mandated for all. View job description, responsibilities and qualifications. This may include but is not limited to the examples listed in Section VI of the PMI Confidentiality Policy. Corporate Transparency Act. Monitoring Compliance in Project Management Research Paper. CFPB Issues Guidance on Private Mortgage Insurance. ca receives approximately 406 daily, 12 180 monthly and. The PMI Lexicon of Project Management Terms offers clear and concise definitions for nearly 200 of the profession’s frequently used terms. Procurement Environment: The combined internal and external forces, both individual and interacting with one another which assist or restrict the attainment of the objective. And the device shows compliant although the AV is not installed. With a four-year degree, you’ll need 24 months of project risk management experience in the last five years, and 30 hours of project risk management education. The CFPB recently issued a bulletin that provides guidance to mortgage servicers regarding the cancellation and termination of private mortgage insurance (PMI). The flyers are provided in English as well as six other languages. II A/B/C is 19. We comply with rules for, and support the registration of, lobbying activities with political institutions in the United States. The University of Michigan Compliance Hotline is a tool for U-M employees, students, vendors and others to anonymously report concerns regarding financial, regulatory, NCAA, substance abuse and patient safety issues. Project Management Institute 14 Campus Blvd Newtown. com. Background Point of Collection American DataBank collects information from our users at several different points on our website. 27, 2000, to provide technical corrections and clarification. In economic terms, missing the temperature. app, a leading e-commerce platform in Nigeria. There should be a project management compliance process for every project. 89,541 likes · 1,112 talking about this · 696 were here. The PHMSA Mega Rule is broken down into three separate parts. CMCOs are highly trained compliance professionals who understand the role, responsibilities, and tactical skills needed to control risk and lead practice compliance efforts. Project risk management is an essential power skill that boosts the probability of success and offers a higher degree of probability, alleviating anxiety for stakeholders. It deals with executing the quality management plan, using tolerances, QA tools and audits to see if we are in compliance. Here are a few tips to customize your BPI Web Feed. Organizations often are forced into multiple types. Effective metrics are necessary to improve project management and delivery, and can demonstrate year-over-year gains in project management maturity. Christopher Terrell is the Chief Compliance Officer for Piedmont Healthcare. To be compliant, your organization must meet the 12 PCI DSS requirements to receive a Report on Compliance (ROC). We also participate in the voluntary register for lobbyists with the EU Commission. The types of projects that project managers work on are as vast as their responsibilities and skills. Learn More. Measuring project manager competence. 7 Measure the Extent to which the Project is in Compliance. Reports to the PMI Ethics & Compliance Help Line can. 6. 1 Participation in Business and Trade Associations. Dr. Select urine, hair follicle, or oral fluid testing and choose from 5, 10, 11, 12 or specialized panels for urine testing. 00. A survey of project managers in New Zealand reveals that leadership, values, and openness are more critical to the ethical work environment than codes or frameworks. Fed Box: APR 6. Reverse Mortgage. American DataBank's Complio system streamlines the compliance process by equipping you with a single, reportable, HIPAA-compliant system that accommodates your screening. * Worked with drafting and presentation of design projects. Having this type of framework allows stakeholders to. 1. § 1026. 7. First, we review your CV and if we think you could be a good fit for the role, we’ll be in touch to arrange an interview. Our payment streamed disclosed is 574. PMI’s Code of Ethics and Professional Conduct applies those values to the real-life practice of project management, where the best outcome is the most ethical one. Page 3 of closing disclosure (summaries of transactions) Disclosure of consumer funds from a simultaneous second-lien credit transaction. The Bureau published a Policy Statement on Compliance Aids, available here, that explains the Bureau’s approach to. Ethics is the discipline of “how to do it best”. For us, to find out more about you and your capabilities, and for you to learn more about PMI—so do come prepared with. 1. PLEASE NOTE THIS IS A SAMPLE SET OF DOCUMENTS AND. 14 Campus Boulevard Newtown Square, Pennsylvania 19073-3299 USA. Are you considering to get Confidentiality And Records Compliance Agreement - Pmi to fill? CocoDoc is the best place for you to go, offering you a marvellous and easy to edit version of Confidentiality And Records Compliance Agreement - Pmi as you require. The compliance tightrope. Risk Analysis and Management is a key project management practice to ensure that the least number of surprises occur while your project is underway. To find it, divide the total number of completed PMs by the total number of scheduled PMs within that period, then multiply the result by 100. Power Skills: competency in guiding and motivation; Ways of Working: domain expertise, certification-specific training Business Acumen: business-oriented skills; Each category addresses a business need and when. Summary. Completelandscapekc. Privacy Policy. 2 days ago · The minutes of the European Central Bank's October meeting and flash PMIs for a host of European countries are Thursday's highlights in markets otherwise lulled by the Thanksgiving holidays in. Regulations Login - Compliance Education Institute. Determine necessary approach and action to address compliance needs (e. In an increasingly projectized world, PMI professional certification ensures that you’re ready to meet the demands of projects and employers across the globe. Today, the U. 2 days ago · Demand fell for a fifth straight month, albeit at a slower pace than in October. 7 from 45. 74 x 89 months = $3714. You have the right to ask your servicer to cancel PMI on the date the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. Citing specific examples and the.