StoneX Group Employee Handbook Example

StoneX Group Employee Handbook

In the StoneX Group Employee Handbook, we will dive into vital aspects of the organization such as an introduction to the company and the significance of having a comprehensive employee handbook. Discover how StoneX Group fosters a positive and inclusive work environment, while ensuring clear guidelines are in place to promote employee well-being and organizational coherence. Let’s explore the fundamentals of the StoneX Group Employee Handbook and why it plays a crucial role in the company’s operations and success.

Introduction to StoneX Group

Text:

StoneX Group values the importance of an Employee Handbook. It provides employees with a guide to important info and guidelines. It helps them understand their rights, responsibilities, and benefits.

The firm takes protecting personal info seriously. It follows Daniels Trading’s Supplemental Privacy Policy for EU Residents. And it restricts access to personal info to authorized personnel who need it for legitimate business.

StoneX Group collects personal info from its employees. It is transparent about why it needs the data and how it will use it. It also honors individuals’ preferences regarding promotional communications, and lets them opt out if they want.

Profit-sharing plans are part of the employee benefits package. They reward employees for their contributions to the company’s success. There are both discretionary and non-discretionary plans available.

The plans offer tax advantages for both employees and employers. Even small business owners can benefit from one-participant profit-sharing plans.

StoneX Group provides a financial performance analysis through its Export DCF Model for Valuation. This includes key financial ratios, income statement, and financial position. Allowing stakeholders to gain insights into the company’s financial efficiency.

Importance of an Employee Handbook

An employee handbook is a must-have for any organization. It serves as a comprehensive guide that explains the policies, procedures, and expectations for employees. It’s important because it gives everyone clear and consistent info about their rights and responsibilities.

Having an employee handbook also helps with communication. It passes on values, mission, and goals to the workforce, and creates unity and a shared purpose.

Plus, it’s a legal document. It has rules for appropriate behavior, performance, and conduct. And it outlines what to do with grievances or conflicts. This can help avoid misunderstandings and legal issues.

An employee handbook also makes sure everyone follows the same rules. Employers can enforce policies equally across departments and locations, reducing favoritism or discrimination.

To stay effective, the handbook needs to be updated when laws or regulations change. This keeps employees in the loop about policies and practices.

By having guidelines and expectations, an employee handbook helps create an organized and productive work environment. It increases transparency, accountability, and professionalism.

Protecting Personal Information

When it comes to protecting personal information, there are several crucial considerations to keep in mind. From safeguarding personal data to limited access, this section explores the measures taken by StoneX Group to ensure the security and privacy of employee and customer information. We’ll also touch upon Daniels Trading’s supplemental privacy policy for EU residents, as well as the use of cookies and web beacons in data collection. Stay informed and discover the steps taken to safeguard your personal information with StoneX Group.

Daniels Trading’s Supplemental Privacy Policy for EU Residents

Daniels Trading’s Supplemental Privacy Policy for EU Residents outlines steps taken by StoneX Group’s division, Daniels Trading, to protect personal information of EU inhabitants.

The policy stresses securing personal information through methods like limited access to data, cookies and web beacons, and tight protocols for sharing personal information with affiliates and service providers. It also mentions disclosure of information to regulatory authorities and law enforcement in compliance with legal obligations.

The policy provides directions for accessing and updating personal information, plus opting out of promotional messages. These measures ensure transparency and control of personal data for EU residents dealing with Daniels Trading.

This policy complies with the General Data Protection Regulation (GDPR) guidelines of the European Union, illustrating Daniels Trading’s dedication to upholding privacy standards in line with related regulatory frameworks.

Safeguarding Personal Information

StoneX Group has taken steps to protect personal information. We use physical, technical, and administrative safeguards to make sure that confidentiality is kept. These measures are in line with industry standards and best practices.

Only personnel who require the data for legitimate business purposes can access it. Our employees receive regular training on privacy policies and procedures to remind them of the importance of keeping data secure.

We may share personal information with affiliates and service providers. However, this is done in compliance with all relevant laws and regulations.

Personal information collected: everything necessary to ruin your life, conveniently listed.

Types of Personal Information Collected

StoneX Group collects various types of data that is necessary for its operations. This data is lawfully acquired and is only used for business purposes, protecting individuals’ personal information.

The categories of personal information obtained by StoneX Group include:

• Identification Information such as names, addresses, contact data, social security numbers, and identification documents.
• Financial Information like bank account details, credit card info, and income statements.
• Transactional Information including purchase history, trading activities, and investment portfolio details.
• Employment Information like resumes, references, and employment history.

This data is collected and processed to provide services to clients and to comply with legal and regulatory requirements. Security measures are implemented to protect the personal data from improper access or sharing.

It is important to note that StoneX Group only collects and processes personal information that has been voluntarily provided or has been obtained from permissible public sources in accordance with the law.

StoneX Group is committed to preserving the confidentiality and security of personal data while following relevant privacy laws and industry best practices.

Use of Cookies and Web Beacons

Cookies and web beacons are essential to StoneX Group’s privacy policies and data protection measures. They allow us to collect and analyze personal info for enhanced user experience, personalized content, and improved services.

To illustrate their use, a table can be created. It will include columns such as “Technology,” “Purpose,” “Data Collected,” and “User Control.” This format will help employees understand the impact of these technologies on privacy.

We limit access to personal info collected through cookies and web beacons. This data is only shared with authorized affiliates and service providers who must adhere to confidentiality agreements. And we comply with applicable laws and regulations when disclosing personal info to regulatory authorities or law enforcement agencies.

Employees can opt out of promotional communications that may result from the use of cookies and web beacons. This provides control over their personal info and respects their preferences.

By using cookies and web beacons responsibly and transparently, StoneX Group aims to provide a secure online environment while delivering customized services tailored to individual needs. When it comes to personal information, we’re more exclusive than a VIP nightclub!

Limited Access to Personal Information

At StoneX Group, we prioritize safety and secrecy of personal data. We have crafted protocols and procedures to make sure limited access to such info. Our handbook outlines strict rules that govern the protection of personal info. These are made to reduce exposure of sensitive details.

We grant access to personal data only on the basis of need-to-know. This reduces the risk of unnecessary exposure. Secure login credentials and multifactor authentication provide extra security.

We store personal info in secure databases and servers with robust encryption and firewall systems. This prevents unauthorized access, keeping the data protected and intact.

Regular audits and reviews are done to detect any weaknesses in our access control. We proactively monitor and address issues to guarantee top-notch security.

Also, we prioritize employee training sessions that stress the importance of protecting personal info. Staff members learn proper procedures for accessing and handling personal data.

In case of breach or suspected breach of access protocols, investigations are launched right away. Necessary disciplinary actions are taken to address such incidents.

Moreover, we foster a culture of continuous education and awareness among our employees. We stress the responsible handling of personal data and its significance in maintaining a trustworthy environment.

We cannot overemphasize the importance of limited access to personal info at StoneX Group. Adhering to these guidelines guarantees the utmost security and privacy for our customers’ sensitive data.

We urge all staff members to take responsibility for protecting personal data by strictly following the set protocols. Maintaining a trustworthy environment within our organization requires everyone’s commitment.

Remember, sharing personal info is like trying to make new friends at a party – you never know who might show up with embarrassing pictures. Let’s prioritize limited access to personal info to safeguard sensitive data.

Sharing Personal Information with Affiliates and Service Providers

StoneX Group is serious about protecting personal information. Strict privacy policies are in place, sharing is controlled, and regulatory compliance is adhered to. Thus, personal data is securely and confidentially handled.

People can access/update their own personal info plus opt out of promotional materials.

A cautionary tale: a financial services company failed to protect customer data, resulting in identity theft and financial losses. StoneX Group recognizes the need for confidentiality and takes proactive steps to prevent unauthorized access.

Whoops, looks like the employee handbook has a chapter on handcuffs and Miranda rights!

Disclosure to Regulatory Authorities and Law Enforcement

StoneX Group realizes the significance of openness and teamwork with regulatory bodies and police. We comprehend that adhering to lawful obligations and keeping up a secure environment for our representatives and customers is critical.

• We uncover individual data when required by related laws or regulations, to regulatory bodies and police offices.
• We completely work with such elements in examinations or procedures identified with unlawful exercises, misrepresentation, or infringement of our approaches.
• Our obligation to shielding individual data stays essential during these revelations, as we guarantee that all important safeguards are set up.

Moreover, StoneX Group respects the security of its workers and clients. We give first concern to keeping the secrecy of individual data while fulfilling our duties towards regulatory bodies and police.

For additional subtleties on how we oversee individual data, including getting to and refreshing it, kindly allude to the “Securing Personal Information” segment in this Employee Handbook.

Accessing and Updating Personal Information

Maintaining privacy and security is of great importance in the digital age. StoneX Group knows this and supplies instructions to help employees manage their personal info.

Access and update personal information with these steps:

1. Log into your StoneX Group account with your login details.
2. Find “Account Settings” or “Profile” in the employee portal.
3. Locate the “Personal Information” tab.
4. Click to view and edit personal info such as contact info, address, emergency contacts, etc.

Remember, this process needs to be confidential. So don’t share your credentials and only make changes from a secure internet connection.

StoneX Group emphasizes the security of personal information for its employees. With the clear instructions for accessing and updating personal details, employees can keep records accurate and sensitive data protected.

Opting out of Promotional Communications

StoneX Group offers the possibility for employees to opt out of promotional communications. This ensures they have control over their personal information. Options are available for employees to manage their preferences with regards to promotions and communications from StoneX Group and its affiliates.

Employees have the right to choose how they receive promotional materials. Opting out does not affect their eligibility for other important communications related to their employment. StoneX Group respects their decision and acts promptly.

The process for opting out is simple and can be done through different channels provided by StoneX. Employees are advised to review the available options and select the one that best suits their preferences.

Also, opting out does not affect an employee’s access to essential information regarding their employment or any benefits they may be entitled to. StoneX Group values their privacy and provides an easy way to manage communication preferences while still accessing necessary information.

So, all StoneX Group employees, get your calculators ready! Profit-sharing plans are here for you to make your bank account smile!

Profit-Sharing Plans for StoneX Group Employees

Profit-Sharing Plans at StoneX Group offer employees a valuable opportunity for financial growth and security. In this section, we will delve into the various aspects of these plans, including understanding how they work, their benefits and eligibility criteria, the tax advantages they offer, and their flexibility and features. We will also explore the unique case of one-participant profit-sharing plans for small business owners and how profit-sharing plans at StoneX Group integrate with Social Security. Get ready to uncover how these plans can enhance your financial future.

Understanding Profit-Sharing Plans

Profit-sharing plans at StoneX Group are meant to give employees financial benefits based on the company’s profits. These plans aim to reward and motivate employees by letting them partake in the organization’s success. It is essential for employees to understand how profit-sharing plans work before they make decisions about their finances.

StoneX Group offers discretionary and non-discretionary profit-sharing plans. Discretionary plans let the company choose how much profit will be shared with employees annually. Non-discretionary plans, however, use predetermined formulas or criteria to decide how to divide the profit among eligible employees. Eligibility for the plans could depend on job level, tenure, or performance.

In addition to giving financial benefits, profit-sharing plans also offer tax advantages for both employers and employees. Employees may be able to defer taxes on their contributions, while employers can deduct contributions as a business expense. StoneX Group even has one-participant profit-sharing plans for small business owners. These plans give flexibility and extra retirement savings choices to entrepreneurs and self-employed individuals in the StoneX Group network.

Discretionary and Non-Discretionary Plans

Discretionary and non-discretionary plans are two forms of profit-sharing offered by StoneX Group. These decide how the profits are shared with employees.

Discretionary plans give the company the liberty to pick the amount and timing of profit distributions. They take into account factors such as financial performance and individual contributions. Employees don’t have a set amount or schedule for getting their profits.

Non-discretionary plans, however, have fixed formulas or criteria for distributing profits. The company must give out a pre-determined percentage of profits to qualified employees based on conditions like years of service or salary level. With these plans, employees get a more predictable and dependable payout.

Tax advantages are available for both employers and employees with either plan. Contributions made by employers can usually be deducted, and employees can get tax-deferred growth on their share of the profits until they withdraw them.

Benefits and eligibility rules vary, but usually full-time employees who meet certain criteria can join in. Profit-sharing plans can be personalized for the company and its employees. They may include features like vesting schedules, integration with other retirement savings vehicles like 401(k) accounts, and different investment options.

To sum it up, discretionary and non-discretionary plans offer contrasting methods to distribute profits to StoneX Group employees. Discretionary plans provide the company with flexibility, while non-discretionary plans have fixed formulas. Both offer tax advantages and additional benefits for eligible workers. These plans can be fine-tuned to fit the company’s needs and give employees a way to benefit from the company’s success.

Benefits and Eligibility of Profit-Sharing Plans

Profit-sharing plans offer great advantages to employees. They can be eligible to receive a portion of the company’s profits as a bonus or contribution to their retirement savings.

Eligibility for these plans depends on the plan policies and criteria. Employees must meet certain conditions, such as length of service or minimum hours worked.

Participation in profit-sharing plans can give employees a sense of ownership and drive to work towards common goals. This way, they can benefit financially and align their interests with that of the company.

It is important to understand the details and requirements of the profit-sharing plan to make the most of it. Seeking guidance from a financial advisor can help make informed decisions about available investment options.

Tax advantages are just another bonus of profit-sharing plans for employees and employers alike! StoneX Group is here to make tax season a little less painful.

Tax Advantages for Employees and Employers

Tax advantages can provide major benefits for employees and employers alike. These can help cut down on tax expenses and raise overall financial health.

Employees gain from tax advantages through StoneX Group’s profit-sharing plans. They can give part of their earnings to a retirement account on a pre-tax basis, reducing their taxable income. This means lower taxes and more take-home pay.

Plus, profit-sharing plans can be combined with Social Security. This way, employees can get the most out of their retirement benefits while keeping their tax liabilities low.

Employers also get tax advantages when they offer profit-sharing plans. The contributions made are usually tax-deductible, lowering the company’s taxable income. This could mean lower taxes and greater profitability.

Small business owners have unique tax advantages from their one-participant profit-sharing plans. They can contribute a portion of their earnings to a retirement account, which is usually deductible as a business expense, so they can enjoy tax benefits.

Tax advantages can also come from employee benefits, like health insurance premiums that can be paid by employees on a pre-tax basis. This can reduce their taxable income, making both employer and individual taxes lower.

Remember: Tax advantages depend on individual circumstances and tax laws. It’s safest to check with a professional tax adviser to understand the tax advantages available.

One-Participant Profit-Sharing Plans for Small Business Owners

Profit-sharing plans equip small business owners with a great way to save for their retirement. They can be either discretionary or non-discretionary, giving the owner the choice to decide when and how much to share. Plus, they offer tax benefits for both the business owner and the company, helping to save money and reduce tax bills.

These plans are a great tool for small business owners to set money aside for retirement, while also encouraging the growth of their businesses. Owners get the freedom to choose when and how much to share, plus they also get the bonus of tax advantages. These plans make sure that financial security and stability are achieved.

Flexibility and Features of Profit-Sharing Plans

StoneX Group employees have the power to customize profit-sharing plans to fit their financial goals. There are vesting options, allowing them to gain ownership of employer contributions gradually. Plus, they get to choose from a variety of investment options. These adapt to individual risk tolerance and investment objectives.

Moreover, profit-sharing plans feature tax advantages for both employers and employees. Potential tax deferrals on contributions and earnings can result in notable savings over time.

Integration with Social Security

StoneX Group’s profit-sharing plans are flexible and tailored to each employee’s needs. They incorporate Social Security benefits, which adds financial security and peace of mind. Contributions to the plans are tax-deductible, benefitting employees and employers. This comprehensive approach to retirement planning sets StoneX Group apart. It offers financial security with tax advantages to secure a bright future.

StoneX Group Financial Analysis: Numbers, money, here for success!

StoneX Group Financial Analysis

StoneX Group Financial Analysis provides valuable insights into the financial performance and valuation of StoneX Group Inc. This analysis covers various aspects, including an introduction to the company, an export DCF model for valuation, key financial ratios for valuation, additional information provided in the export DCF model, financial efficiency and margin ratios, as well as the income statement and financial position. With these in-depth analyses, readers can gain a comprehensive understanding of StoneX Group’s financial standing and make informed investment decisions.

Introduction to StoneX Group Inc.

StoneX Group Inc. is a financial services firm that provides various investment and trading solutions. Its employee handbook has essential info about the organization, its policies, and guidelines. With a focus on transparency and compliance, StoneX Group stresses the importance of setting clear boundaries to protect personal information. This lets employees and clients trust the company with their sensitive data.

StoneX Group follows policies such as Daniels Trading’s Supplemental Privacy Policy for EU Residents, to comply with privacy regulations in different jurisdictions. These policies aim to protect personal information, and provide guidelines on its collection, storage, and use. Plus, the company utilizes cookies and web beacons to enhance user experience, while respecting individual privacy preferences.

In addition, StoneX Group limits access to personal information within its organization. Only authorized personnel have permission to handle such data, making sure it remains secure and protected from unauthorized use or disclosure. On occasions, the company may share personal info with affiliates and trusted service providers who stick to similar privacy standards.

StoneX Group cooperates with regulatory authorities and law enforcement when required by law or for the protection of clients’ interests. But, it tries to maintain confidentiality, and only discloses personal information when necessary.

To give transparency and control over personal data, StoneX Group allows employees to access and update their personal info stored within the company’s systems. Additionally, employees can opt out of promotional communications if they want to limit marketing communications from the organization.

To sum up, by focusing on data privacy and security, StoneX Group creates a trustworthy environment for both employees and clients, while complying with applicable regulations in different jurisdictions.

Export DCF Model for Valuation

The Export DCF Model for Valuation is a must-have tool for StoneX Group Inc. It assesses the financial worth of the company. This model exports a Discounted Cash Flow (DCF) analysis. It helps calculate the present value of projected future cash flows. StoneX Group uses this method to evaluate their investment opportunities and make informed decisions on valuation.

Here are the components of StoneX Group’s Export DCF Model:

Component	Description
Present Value	The value of future cash flows, adjusted for time value of money
Discount Rate	The rate used to discount future cash flows
Projected Cash Flows	Estimated future cash inflows & outflows based on financial projections
Terminal Value	The estimated value at the end of a projected period representing all future cash flows beyond that period

The exported model also provides extra information. This includes assumptions made during the valuation process, sensitivity analyses, and other factors that contribute to the overall assessment.

Using the Export DCF Model for Valuation, StoneX Group evaluates their financial standing and potential investment opportunities. Through careful analysis, they make business decisions that align with their long-term goals. They value StoneX Group with key financial ratios because numbers don’t lie – even if executives sometimes do.

Key Financial Ratios for Valuation

To assess StoneX Group, we present a table with important financial ratios. These include the current ratio, debt-to-equity ratio, return on equity (ROE), and earnings per share (EPS). This helps analysts understand StoneX Group’s ability to meet short-term obligations, its capital structure, its profits, and its earnings per share.

The Export DCF Model also provides other financial indicators. These are cash flow projections, net present value calculations, and sensitivity analysis. This helps investors determine the intrinsic value of StoneX Group Inc.

Investors should consider these key financial ratios. They offer insights into the company’s financial position and future prospects.

Ready for more financial fun facts and figures? Let’s go!

Additional Information provided in the Export DCF Model

The Export DCF Model offers extra info to help with StoneX Group Inc.’s valuation. It goes beyond the usual financial analysis and ratios.

Below is a table of additional info this model provides:

Additional Information	Description
Future Growth Opportunities	Potential growth and expansion areas identified
Competitive Analysis	Rivals and their influence on StoneX Group evaluated
Industry Trends	Examines industry trends that may affect the company
Risk Assessment	Potential risks and uncertainties facing StoneX Group assessed
Cash Flow Projections	Forecasts future cash inflows and outflows
Discount Rate	Determines the present value of future cash flows

This paragraph does not discuss all the additional info the Export DCF Model offers.

It looks at anticipated future growth opportunities too. By noticing potential areas for expansion, StoneX Group can assess its long-term prospects and make decisions accordingly.

Accountants must find the ideal balance between profit and precision when calculating financial efficiency and margin ratios. A difficult task only the nerdiest of accountants can handle.

Financial Efficiency and Margin Ratios

Financial efficiency and margin ratios are significant when judging a company’s financial performance. These ratios give an idea of how well the company utilizes its resources to earn profits and handle its operating expenses.

Let’s look at the principal financial ratios used for valuation in StoneX Group’s financial analysis. These comprise but are not limited to the return on assets (ROA), return on equity (ROE), gross profit margin, operating profit margin, and net profit margin.

The ROA ratio measures the company’s capacity to generate profits from its assets. The ROE ratio shows how well it returns for its shareholders. The gross profit margin reveals the profitability of sales after deducting the cost of goods sold. The operating profit margin expresses how efficiently the company deals with its operational expenses. Lastly, the net profit margin represents the percentage of each dollar of sales that remains as net income after considering all expenses.

By analyzing these financial efficiency and margin ratios, investors can obtain useful info about a business’s profitability and operational effectiveness. This helps them make informed decisions based on their risk appetite and expected returns.

Now that we’ve covered some fundamental financial efficiency and margin ratios in StoneX Group’s financial analysis, let’s investigate other special aspects of their performance assessment methods.

Apart from these core ratios, StoneX Group also provides in-depth information through an export DCF model for valuation. This model helps determine the intrinsic value of a business by forecasting future cash flows and discounting them back to their present values. Alongside the DCF model, extra data such as historical financial data is included to present a comprehensive analysis.

Income Statement and Financial Position

The Income Statement and Financial Position of StoneX Group give a full picture of its financial performance and current financial state. This data is essential to understand the firm’s profitability and steadiness.

A table may be used to display this info in an orderly way. It should have columns like Revenue, Expenses, Net Income, Total Assets, Total Liabilities, and Shareholders’ Equity. By examining these numbers, stakeholders can evaluate the company’s revenue, expenses, net earnings, asset base, liabilities commitments, and shareholder equity.

Apart from the table above, there are certain aspects of StoneX Group’s financial position that need to be highlighted. These could include exact figures regarding revenue growth during some time or modifications in liabilities due to business expansions or purchase. It is essential for staff and stakeholders to know about this information as it affects the overall financial health of the organization.

Conclusion

Text: StoneX Group’s employee handbook serves as a great resource for employees. It outlines important guidelines and policies to help manage employees. With this document, employees gain an understanding of their roles and expectations. The handbook covers topics like ethics, diversity, communication, benefits, and development. It emphasizes adhering to the company’s code of conduct and ethical standards. Communication protocols and employee benefits are also addressed, as well as resources to support well-being. Ultimately, the handbook helps employees align with the organization’s values and fosters a positive work environment.

FAQs about Stonex Group Employee Handbook Example

FAQ 1: What is a profit-sharing plan?

Answer: A profit-sharing plan is a type of qualified defined contribution plan where the employer contributes to the accounts of participating employees. The contributions are generally tied to the business’s profits, allowing employees to share in those profits.

FAQ 2: What are the benefits of a profit-sharing plan?

Answer: Profit-sharing plans can help attract quality employees and reduce turnover. They offer flexibility in employer contributions, allow for in-service withdrawals and participant loans, and can be integrated with Social Security. Employers can also deduct their contributions on their federal income tax return.

FAQ 3: How are profit-sharing plan contributions determined?

Answer: There are two types of profit-sharing plans: discretionary and non-discretionary. Under a discretionary plan, the employer can determine the amount to be contributed each year based on profits and other factors. Non-discretionary plans involve contributing a specified amount based on a preset formula.

FAQ 4: What personal information is collected by Daniels Trading?

Answer: Daniels Trading collects personal information such as name, address, date of birth, social security number, occupation, assets, income, transaction history, and credit information for business purposes, such as evaluating financial needs and providing customer service.

FAQ 5: How is personal information protected by Daniels Trading?

Answer: Access to personal information is limited to employees who need it for business purposes, and safeguards are in place to protect the information. Personal information may be shared with affiliates, third-party service providers, and joint marketers, but they are required to keep the information confidential.

FAQ 6: How can customers opt-out of promotional communications from Daniels Trading?

Answer: Customers can opt-out of promotional communications by visiting a website, sending an email or letter to Daniels Trading. They have the right to access and update their personal information.

Important Disclaimer:

The article presented here does not serve as a representation of the company’s actual employee handbook mentioned in this article.

Our discussions and insights regarding employee handbook are based on assumptions about what may be considered significant in this companies’ policies. These assumptions are drawn from available information and industry knowledge. Readers are advised that the content provided is for informational purposes only and should not be construed as an exact reflection of any company’s official policies or procedures. For precise and accurate details regarding a company’s employee handbook, individuals should refer directly to the company’s official documentation or consult with appropriate representatives.

Please be aware that the content on this page has been generated by using artificial intelligence language models and may contain errors, inconsistencies, or outdated information. It is provided as-is without any warranties or guarantees of accuracy. We strongly recommend using this content as a starting point for further research. We disclaim any liability for damages or losses resulting from the use or reliance on this content.