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  8. She was loaned to Paramount from Twentieth Century-Fox for the film. The accomplishment of Blue Hawaii sealed Elvis’ fate in terms of his film occupation. Willy’s relationship with Walter adjustments when Walter fails in adore with Willy’s sister, Rose, performed by Joan Blackman, Elvis’s costar from Blue Hawaii. The Colonel made use of the box-office grosses of Blue Hawaii to persuade Elvis that his admirers chosen him in musical comedies. Shooting on spot was often a problem when Elvis was the star of a movie simply because enhanced protection was vital to secure him from admirers. Another difficulty involved difficulties acquiring gambling gear for a pair of scenes, since all gambling was illegal in Florida in 1961. One day, a area politician and a couple of nameless gamblers just showed up on the established with the essential machines. Experience.” –Rhomnousia and h2o2 “You are much more possible to be arrested as a terrorist than you are to be blown up by 1.” –Dianora “The corruption of the press is component of our sad truth, and it reveals the complicity of the oligarchy.” –Monsignor Oscar Romero “Few societies have defended their personal ignorance as aggressively or as enthusiastically as ours.” –Naomi A. Klein “If you are unable to sense safe – and instruct your little ones to come to feel safe – about 1-in-610,000 nightmare situations – the issue isn’t the world.

  9. This modest detail is a remark on the character of loneliness. Previously operate has shown that the tiny interfering RNA (siRNA) pathway and siRNA from a spouse and children of X-linked satellite repeats (1.688X repeats) encourage X recognition. Now, how can an individual from this sort of a massive relatives be so lonely? Women could have personal relations with other females as lengthy as their wifely duties are achieved, their private matters are stored quiet, and the woman with whom they are associated is someway associated by family or rational curiosity to her lover. She’s shy at first, but ultimately decides that showing her artwork could be recognised as an remarkable gesture from her-that demonstrating anything so own might payoff with praise and honest fascination. This may well be the only surgical procedure that trans adult males endure in their reassignment, if only due to the fact the genital surgical procedures obtainable are however significantly from ideal. There are spots in 25 countries, in some of which the chain is termed Texas Chicken. There will be no Vietnams and no Israels, due to the fact folks will in no way accumulate so substantially anger in them that they have to get rid of, and get rid of tens of millions. What’s also appealing is how so a lot of this is conveyed via facial expressions.

  10. Arquette was placed in a medically-induced coma and died on September 11, 2016, surrounded by close family, at the age of forty seven. Arquette was serenaded with David Bowie’s “Starman”. Warner, Kara Mazziota, Julie (September 11, 2016). “Alexis Arquette, Sister to David, Rosanna and Patricia, Has Died”. McGeorge, Alistair (September 12, 2016). “Who is Alexis Arquette? Profile of the Wedding Singer actress who has died at 47”. Daily Mirror. In 1982, at the age of 12, Arquette’s initial performing gig was as “this very little kid who’s on a journey with all these gals and whatnot” in the audio video “She’s a Beauty” by The Tubes. Gilbey, Ryan (September 12, 2016). “Alexis Arquette obituary”. Oppenhim, Maya (September 21, 2016). “Alexis Arquette’s dying certificate demonstrates she lived with HIV for 29 yrs”. In September 2005, VH1 declared Arquette as a single of the movie star home-visitors on the 6th period of The Surreal Life. Blank, Ed (September 8, 2006). “Another Gay Movie”. Wintrow, Scott (April 29, 2006). “Premiere Of “Another Gay Movie” At The 5th Annual TFF”. Ferber, Lawrence (August 15, 2006). “Naughty Naughty: The Raunchy, Outrageous Sex Comedy Another Gay Movie Pushes Queer Cinema into Taboo-Busting New Territory”.

  16. Blockchain technology is fundamentally a distributed database or ledger that records transactions across multiple computers so that the record cannot be altered retroactively without the alteration of all subsequent blocks and the consensus of the network.

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  20. While some could merely have to migrate to other areas, smaller ecosystems inside the wetlands could possibly be destroyed which, once again, influences the animal food chain.

  26. Before Johnson’s innovation, building ice product was labor-intense and normally resulted in a coarse product or service. Her progressive spirit bridged the gap involving industrial and domestic realms, implementing scientific administration ideas to home lifetime, building every day chores more effective. Bad science is not monotonous details it really is earning bogus promises.” –Gerry Carter “Everything’s uncomfortable as developed.” –Anonymous “Look at that! Look up threesome in Wiktionary, the absolutely free dictionary. Once the viewer determined the customer, they could connect with the microphone or remotely unlock the door. While Brown’s system may well sound commonplace today, it was revolutionary in the sixties. The notion of becoming capable to visually ensure a visitor’s identification with no physically approaching the doorway released an unprecedented stage of protection and advantage. Persons underneath 20-1 years of age and persons who may perhaps be offended by these depictions may perhaps not immediately or indirectly download, obtain, watch, go through, hear to, or have any photograph, video clip file, sound file, textual product, advertisement, or other communication, information or other information at, in, or through The Young Girl Erotica Repository (hereby referred to as TYGER), nor location any buy for any products or companies at, in, or as a result of link to or from, TYGER.

  27. Oh, and there was morning sexual intercourse, also. Oh, and most of them are free of charge. The excellent of this free are living digicam goes up to 1080p and you can hear songs in the history. You can also see the American architecture of the metropolis, together with the iconic hotels and casinos. This is a fantastic option to see some of the world’s most legendary trains in motion, so make certain you really do not skip out. This dwell educate Cam in the south-east of The Netherlands is now up and running, so you can tune in and place Dutch, German and Belgium trains as they appear by. Get the attractive harbour of Hvar in your residing room appropriate now. Tune in now and get pleasure from the demonstrate! Tune in this well-known stay stream in Michigan, Usa. This reside stream suits in every occasion and is pretty soothing. Connect your cellular phone wirelessly to your Tv by way of AirBeamTV and perform this reside stream for absolutely free. Vudu has a huge library of mainstream videos and Tv shows, and a surprising total are available to observe for no cost with nominal ads. These exhibits are open up to the community, and no ticket is necessary. Just open up this reside stream. A cafe on the drinking water can be viewed on the right facet of the reside stream.

  34. Elsewhere, all eyes have been on Kristen and Dax yet once more simply last week after she very candidly recalled an expertise she’d had whereas breastfeeding. And Dax went on to reveal that Kristen has developed an “ingenious” approach of instructing their two younger daughters about consent. The next exhibit illustrates how the age of consent interacts with these three components. However, we need more research to determine the best method to calculate metabolic age and what exactly it means. “Once you catch a whiff, that is biology’s means of letting you realize you want to scrub it up. “My response is, I do not want my daughters to have intercourse so they can get approval from someone, but if my daughters are horny and want to have sex, that was my favourite exercise, stays my favourite activity, I’d be lying if I mentioned I used to be in any method anti-that exercise. Husbands and wives have engaged in coitus ad libitum, completely no matter whether or not it was right or unsuitable for them to do so!

  35. She recalls: ‘I got there and went to several modeling agencies but was told that I needed to place collectively a modeling portfolio earlier than I can be thought-about, some would not even see me. She began to avoid wasting money earned by way of baby-sitting for kinfolk so she may make a visit to New York to visit modeling companies there. As the 2008 primary season wore on, McCain’s campaign began to attract cash that will have previously gone to his rivals who dropped out of the race. A second contraceptive trial of Enovid (and norethisterone) led by Edward T. Tyler began in June 1956 in Los Angeles. Tiffany explained it like it was second nature – like I ought to have identified what those things meant. Mary Ann Shadd Cary, the second African-American girl to receive a degree from Howard University Law School, joined the National Woman Suffrage Association in 1878 when she delivered their convention’s keynote address. Unable to cope Johnson says she decided to move again to Oklahoma to reside together with her father who had set up home with a new woman. There I met a lady on a bench who launched herself to me as Tiffany. Her account was that on that very first night, she met Donald Trump.

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  37. Butler was seen as a possible runaway at the time of her disappearance, and police authorities took small action to perform an investigation and track her down. Gerald and Charlene were being hardly ever interviewed then by the law enforcement who were being investigating Butler’s disappearance. Butler’s continues to be have by no means been situated, and there is suspicion of foul participate in. There are quite a few herbs which are can be utilised securely at dwelling to deal with frigidity in females. The phosphodiesterase can act as a potentiator for other medicine which decrease blood pressure and which could be made use of to handle heart situations, and so could be contraindicated to avoid detrimental wellbeing implications. Compulsive sexual behavior is not outlined in the DSM-5-TR as a analysis, but in some cases it can be identified as portion of another mental health ailment, this kind of as an impulse manage disorder or a behavioral habit. In actuality, roughly 3% to 6% of the normal populace activities signs of compulsive sexual habits. Because of her overly flirty habits with her male co-staff, Charlene was despised at perform and made a reputation as a nymphomaniac. He defeat Charlene after throwing the dancer out an open window in wrath. After they had been residing jointly for a couple of months, Gerald introduced home a 16-year-outdated exotic dancer to Charlene, and they experienced a threesome jointly.

  38. But in an affair situation, you’re also trusting another bash not to make any blunders that may give you away. In June 2006, when Conservative Party leader David Cameron appeared on Friday Night with Jonathan Ross, Ross commenced a line of questioning relating to Conservative ex-Prime Minister Margaret Thatcher, culminating in the query “Did you or did you not have a wank thinking of Margaret Thatcher?” Ross was defended by the BBC publicly, but repeat showings of the interview have been banned. Some big names in collaboration program have been Lotus Notes and Microsoft SharePoint. Have you listened to of planned demonstrates? You can see solo, few, transsexual, team, and other types of demonstrates. Public. This is the sort of the reside sexual intercourse webcam display anybody can sign up for and look at. Every girl on the sexual intercourse webcam internet sites typically chooses to come to be a webcam design of a particular class. Tip-primarily based websites let you to go away a tip or a token for a design and ask her for some motion soon after this. This is the chatroom the place only you and the model are existing. There are a number of rewards to banking on your iPad two in excess of your laptop or smartphone.

  44. Males represented 27% of all teenagers who described a first sexual experience prior to age 16 with a companion three or far more several years more mature (not shown). People might knowledge enjoyment from anal sexual intercourse by stimulation of the anal nerve endings, and orgasm may be achieved via anal penetration – by indirect stimulation of the prostate in guys, oblique stimulation of the clitoris or an place of the vagina (sometimes termed the G-location) in gals, and other sensory nerves (particularly the pudendal nerve). I failed to blog site it due to the fact the sexual intercourse big difference in racial mating preference is this sort of a robust getting that it will not appear noteworthy (though perhaps racialist concept boards should really aim a bit additional on male somewhat than woman “race traitors,” as it is the XY who are additional open up to sullying the purity of the volk). Jiz Lee, a producer for PinkLabel, commented that “piracy is the most destructive to impartial creators, specially gals filmmakers and woman performers who generate their own material”. But with poverty, imprisonment, sexual orientation, and other variables limiting the variety of marriageable black men, a substantial selection of black women of all ages truly feel this loss of likely mates acutely. The gals (supernatural or not) seem to be to generally be there to provide the adult males, or as you pointed out, to help save the males from by themselves.

  45. Physicians thought that the stress associated with the typical female life on the time brought on civilized women to be both extra inclined to nervous disorders and to develop defective reproductive tracts. Because the managers thought it was unlikely a network would possibility a script from first-time writers, their intent was to use the sample script to land Cantwell and Rogers entry-level writing positions within the trade. Malchishnik was one of the first artists to overtly use explicit lyrics on Russian music scene. For their first collaboration, Rogers helped Cantwell with creating a television adaptation of his movie screenplay Very Prepared Men, a narrative a couple of secret society of the extremely-rich. The venture was Cantwell’s and Rogers’s first jobs in the television trade. Cantwell and Rogers initially mentioned “men below pressure” tales like Glengarry Glen Ross, though they didn’t want their topics to be medical doctors or police officers, believing them to be well-trod territory in television. In their analysis, Cantwell and Rogers got here across tales of computer engineers at Compaq taking risks by trying to reverse engineer the IBM Pc. John was based mostly on “Black” Jack Bertram, an IBM govt.

  46. Mrs. Marsh’s chest swelled in satisfaction because the Pastor praised the couple’s “purity”, a codeword which each adult in the congregation immediately understood meant that both had been nonetheless virgins. But really, they still stood before the complete congregation. Tim, alongside with his wedding ceremony social gathering, stood before the congregation. Tim and Ruth sat alone at the top desk dealing with the congregation. Lack of release merely made Ruth jittery and served to focus her thoughts on intercourse, however Tim’s male physiology worked in opposition to him. Tim’s mother and father would take him out to a nice restaurant, however Ruth’s mother and father would repair a cozy meal at dwelling. When he and his mother and father returned from their evening meal on the restaurant, Tim might have begged off and retired early, however really he spent a nice night reminiscing with them and excitedly discussing his honeymoon plans and his anticipation of newly married life and life as a university scholar.

  47. No matter precisely what’s occurring, a man may get cold toes because of his personal money state of affairs or the financial differences between him and his fiancee. Can you get pregnant any time in your month-to-month cycle? We get a top level view of her story, yes, but why is the mountain calling to her now? Why accomplish that many households immediately have dual incomes? The presence or absence of youngsters in the home also impacts marital satisfaction – nonparents and dad and mom whose youngsters have left house have the best stage of marital satisfaction. Recent years have seen a rise in variations of the nuclear household with the parents not being married. The problems and challenges that a household experiences in Stage 1 as a married couple with no children are probably very completely different than those skilled in Stage 5 as a married couple with teenagers. Based on 2011 census information, only 31.9% of all census households consisted of a married couple with children, down from 37.4% in 2001. 63% of youngsters beneath age 14 live in a household with two married dad and mom. The research prompt that there was also a connection-for girls at the very least-between having conversations with mother and father or studying about sex and relationships in school and feeling ready.

  48. ” Cindy requested herself, but continue to could not deliver herself to seem absent from the younger womens legs. Walking into her property, Cindy threw her keys and purse down as she had yesterday, stripping all those terrible confining clothes off as properly she started to really feel much better. Upon returning dwelling, Cindy threw down her purse and stripped off her workplace clothes. They agreed to the phrases, Cindy smiled believing that there was no way that Alice could pull this off. There are campaigns in opposition to this final decision, with pregnant women feeling it is unfair folks can go to pubs whilst they should expertise pieces of beginning by yourself. Losing a passport can go away anybody sensation a bit bare. Sex-repulsed: emotion repulsed or unpleasant to the thought of engaging in sex. Standing there in the corridor with almost nothing but her pantyhosed pores and skin she rubbed her overall body, and could come to feel pulsing start out in her ass and sex. Casual sex refers to sexual intercourse that normally takes spot outdoors a dedicated connection. From skimpy bikinis to the increase of Internet porn to the large amount of movies and television reveals that acquire place in strip clubs, it is really no for a longer period really shocking to see lots of skin.

  49. But as I’ve gotten older, I’ve come to realize that time spent seeking payback is time lost from doing one thing more optimistic and fulfilling. Some men discover shorter, stockier ladies more engaging than older, homemaker escorts. Additionally, tasks like childcare, family chores, and financial obligations will be distributed more evenly, leading to a more balanced and environment friendly family construction. This type of marriage construction concentrates the wealth and sources of all the brothers into one household, and also concentrates their parents’ land and wealth. This “brotherly love” is named Fraternal or Adelphic polyandry, derived from the Greek phrase which means brother, is a variant of polyandry where a lady is concurrently wed to 2 or extra males who occur to be brothers. Here you additionally juxtapose the love between the Amphibian Man and Elisa with the sexual aggression by Strickland. So, if the man in your life has a penchant for screaming at drivers who lower him off in site visitors, hormones aren’t essentially to blame. On the other hand, a date-companion is a accomplice, who although accompanies a person at certain phases of life still; it’s unparallel to a buddy.

  50. Surviving a wonderful white: How it feels to be a webcam girl. 01 October 2012 (New York Thug Department) The New York Thug Department systematically and dishonestly assaults journalists and any just one else it feels like abusing. In one case, Internet trolls discovered the genuine name, tackle and cellphone amount of a webcam performer and posted this details, together with specific photos of her, on social media, and the account was forwarded to her mates and loved ones. She disclosed that she had been cyber-stalked by a weighty tipper who begun making threats and requires about what outfits she must have on. He started out his very own paysite, prostituted himself, sold video clip recordings of his encounters with Mexican prostitutes, and served hire other underage versions. It has under no circumstances been much easier than nowadays to discover a totally free XXX clip inside seconds, nonetheless there are so quite a few grownup movie websites in this field that it’s nearly difficult to reckon which of them must be your very first handle to go to. In addition to taking away the model’s potential to decide on where by their content is proven, unauthorized use has been likened to theft of the model’s assets, because the porn site will make money from the video clip and not the cam product.

  51. It’s not like in porn where by girls go from a sweet kiss to complete on sex in five minutes. Not only will you obtain five failsafe means to construct your stamina in this report, you’ll be able to consider them all right from your very own property right now. Not only will you have more handle correct away, you can expect to be equipped to keep your head in the sport and concentrate on providing your most effective general performance rather of dozing off and allowing your orgasm acquire about. You’re on the ideal observe when you commence noticing how tense and restricted your mind feels when you start out anticipating satisfaction or soreness. The consolation zone is a person of the best sexual intercourse positions women of all ages get satisfaction from, and for very good explanation: the substitutions for enjoyment are pretty much endless, and none of them engage uneasiness or the skills of a gymnast. This is definitely one particular of the sexual intercourse positions women of all ages get satisfaction from as it allows her to brace herself versus the back again of the sofa, providing her superb impact to ride you to orgasm.

  52. Another nanny scandal broke the marriage of Ben Affleck and Jennifer Garner. Same-intercourse marriage is legal within the Crown Dependencies. In Talbot (in any other case Poyntz) v Talbot in 1967, the prohibition was held to extend the place one partner was a publish-operative transsexual, with Justice Roger Ormrod stating: “Marriage is a relationship which depends upon intercourse, not on gender”. Unfortunately it seems Cueball and Megan have accidentally exchanged one of their sex dice (the one that accommodates actions) with a traditional six-sided die; in consequence, the folks enjoying a task-taking part in sport within the final panel find themselves doing unusual actions. Ward was vilified throughout as a doubtless Soviet agent; one Conservative referred to “the treason of Dr Ward”. Daily Mirror hinted that not all the truth had been advised and referred to “skeletons in lots of cupboards”. Malcolm Muggeridge in the Sunday Mirror wrote of “The Slow, Sure Death of the Upper Classes”.

  63. Writer Michael Pollan observes that the massive impact Tv foodstuff demonstrates have had on Americans is not encouraging them to prepare dinner — while it does have that gain for some viewers — but shaping their preferences by exposing them to substances and dishes they’d by no means normally know about. Psychologist Jim Taylor, Ph.D., argues in Psychology Today that actuality tv reveals like “The Apprentice” make viewers sense like they should really go after achievement, no make any difference what the price. Do you like to kick back again in front of the Tv right after a extensive working day? When young children are sitting in front of the Tv, they tend to snack additional, and when the advertisements they are seeing are for Pizza Rolls and Butterfingers, guess what treats they arrive at for? One key challenge with excessive Tv viewing is that youngsters are exposed to countless numbers of marketing and advertising messages each year, a lot of of them for junk meals. When you dive into the url between television and childhood weight problems, you will come across a pair of things at engage in: foodstuff internet marketing and sedentary time. Some authorities will say that any time you spend alongside one another can depend as good quality time other individuals say that time spent viewing television with youngsters isn’t top quality, mainly because relatives members usually are not interacting all that a great deal although observing Tv.

  64. He faked his patients’ professional medical histories and published the success of his fraudulent research all in the name of cash. That faked paper from the ’90s is getting real general public wellness results to this day. The issues is, Wakefield falsified a lot of the information in that paper. In 1999, President Clinton confronted impeachment after particulars of an affair with 21-year-old intern Monica Lewinsky. Clinton later reported they “only” experienced oral sexual intercourse so he had not lied when he reported they did not have sexual relations. They choose cardholder’s fingerprints and even have the shopper get in touch with their credit history card business to verify the expenses above the cellphone. Yes, we said the corporation credit history card. Probably the most damning detail Penenberg uncovered was that the company in the story, Jukt Micronics, failed to exist. Web web page. According to the riveting story, somewhat than prosecute the teenager, the organization supplied him a occupation. How Do I Decide Which Dating Site Is Right for Me?

  68. He performed his 62nd match for Mohun Bagan in ISL towards Kerala Blasters within the opening match of the season on 20 October 2020, which they won 0-1 at GMC Athletic Stadium, Goa.

  82. He was known as into the squad for the 2002 pleasant towards Turkey, but was not named in the matchday squad by Giovanni Trapattoni, behind Gianluigi Buffon and Francesco Toldo.

  83. On December 8, 1857, the Texas Legislature formed Bee County from sections of Refugio, Stay Oak, San Patricio, Goliad, and Karnes Counties, naming it for Colonel Barnard Elliot Bee, who served the Republic of Texas as Sam Houston’s secretary of struggle and Mirabeau B. Lamar’s secretary of state.

  88. The mix of the psychological affect of the bombing, the slowly expanding German lodgements, deep penetrations by some small German infantry models, and the lack of air or artillery help eventually broke down the 55e DI’s resistance and much of the unit went into rout by the night of 13/14 Might.

  96. The remnants of the Italian forces in the region surrendered after the Battle of Gondar in November 1941, except for small groups that fought a guerrilla conflict in Ethiopia in opposition to the British till the Armistice of Cassibile in September 1943, which ended the battle between Italy and the Allies.

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  122. Getting knocked unconscious and waking up in a wierd place or discovering your self standing over useless our bodies whereas holding a smoking gun may be cool story elements, however situations the player has no likelihood to react to are dangerous.

  138. The revised double taxation avoidance settlement between India and Cyprus signed on 18 November 2016, provides for source primarily based taxation of capital positive factors arising from alienation of shares, instead of residence based mostly taxation offered below the double taxation avoidance agreement signed in 1994.

  148. DP-1: Profile of Basic Demographic Characteristics: 2000 – Census 2000 Abstract File 1 (SF 1) 100- Data for Bordentown metropolis, Burlington County, New Jersey, United States Census Bureau.

  153. The Institute for Federal Real Estate considers the division’s specialty to be the marketing of military areas that have been used by the armed forces of Germany (Bundeswehr) and foreign military forces.

  154. Queen Elizabeth covered any losses or debts owed by the East India Company with the royal coffers; modern LLCs are subject to bankruptcy procedures, where creditors may be forced to take pennies on the dollar or nothing at all if a corporation goes under.

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Razib Ahmed Profile Details:

Razib Ahmed has been working at WASO Credit Rating Company (BD) Ltd. as Chief Rating Officer since January 2024. Prior to joining WCRCL, he worked with Credit Rating Information and Services Ltd. (CRISL) as Vice President and Chairman of the Internal Review Committee. He joined CRISL in January 2022. He started his career in the credit rating industry in 2006 as a financial analyst at Credit Rating Agency of Bangladesh Limited (CRAB) and served for more than 15 years in different positions at this organization, including Head of Business Development Division, Unit Head of Rating Division, etc.

Mr. Ahmed has an MBA from Dhaka University in Finance and Banking. In CRISL and CRAB, he has performed several rating assignments including ratings of financial institutions (banks, NBFIs, General Insurance), large corporate, projects, structured instruments, and financial forecasting and modeling of various industries. He was also responsible for ensuring the analytical quality and due diligence aspects of four teams under the Rating Unit of CRAB. He was also actively engaged in methodology development for assessing credit worthiness and credit rating for urban local bodies (ULBs) in Bangladesh. At present, he is a member of the ‘Technical Committee’ formed by Bangladesh Bank to develop uniform rating methodologies and score models for credit rating agencies.

Mr. Ahmed received training on ‘Best Practices in Rating’ and ‘Rating of Bond Market Mutual Funds’ arranged by Asian Development Bank (ADB), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Manila, Philippines; training on ‘Indicators for Effective Macroeconomic Risk Analysis’ arranged by Malaysian Rating Corporation (MARC), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia; and participated in various training programs and workshops arranged by CRAB, CRISL, MCCI, DCCI, BEI, etc.

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Md. Al Amin Jewel Profile Details:

Md. Al Amin Jewel has been working at WCRCL as Assistant Vice President (AVP) of WASO Credit Rating Company (BD) Limited and as Deputy In-Charge of Credit Rating Division (CRD) since 2012. Prior to joining WCRCL, Mr. Jewel worked at the Trauma Center and Orthopedic Hospital in Shaymoil, Dhaka, as an internal auditor since 2009.

 

Mr. Jewel has an MBA from Bangladesh Open University (BOU) with a major in Finance and Banking, and a Masters of Business Studies (MBS) with a concentration in Accounting from National University. In addition, Mr. Jewel is an articleship student at the Institute of Cost and Management Accountants of Bangladesh (ICMAB) and has completed business level. In WCRCL, he completed many rating assignments, including ratings of financial institutions (NBFIs and general insurance), large corporations, SME projects, instruments, and various industries.

 

Mr. Jewel received training on ‘Credit Risk Management’ (Credit Risk Analysis, Financial Risk, Operational Risk, and Cash Flow Analysis) conducted by Financial Excellence Limited and participated in various training programs and workshops arranged by WCRCL.

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Monira Islam Profile Details:

Monira Islam has been working at WASO Credit Rating Company Limited as a senior financial analyst since 2018 and as a team leader since 2023. Before joining WASO, she worked with Credit Rating Information and Services Ltd. (CRISL) as a research officer since 2010.

 

Ms. Monira has an MBA from Daffodil International University in Finance. In WASO and CRISL, she is a dedicated and detail-oriented financial analyst with 12 years of experience. In this time, she completed many rating assignments, including ratings of general insurance, MFIs, power plants, large corporations, projects of various industries, and SME clients. As a senior financial analyst, she performs quantitative and statistical analysis, accounting, and decision-making with strong analytical skills. She also assists in training and, as needed, supervises her team members. Experienced in client relations, effective communication, report generation, process development, and documentation.

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Maharan Nasrin Profile Details:

Maharan Nasrin has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD.) Limited and as a team leader, since 2014. Maharan Nasrin has an MBA from Eastern University in Finance. In WCRCL, she completed many rating assignments, including ratings of large and medium corporations, projects, and SMEs. Besides, assessing, analyzing, and interpreting complicated business and financial information from different SMEs and corporations throughout her stint as an analyst, Ms. Nasrin gathered knowledge and learned different characteristics of numerous industries, such as textiles (RMG, RMG accessories, etc.), trading, rice mills, and others.

 

Ms. Nasrin has participated in all the in-house training and workshops. Before starting a career in the credit rating industry in Bangladesh, Maharan Nasrin worked with Jamuna Bank Limited.

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Ummay Fatema Profile Details:

Ummay Fatema has been working at WCRCL as a senior financial analyst and team leader since 2015. She has an MBA from Rajshahi University in finance and banking. In WCRCL, she completed many rating assignments, including ratings of large corporations, projects, and many other business entities. Her key responsibilities include reviewing and conducting critical examinations of credit rating applications, managing all kinds of risks and regulatory compliance, supervising and assisting team members to meet time-bound action plans, nurturing new members of the team, maintaining liaison at a regular interval across various clients, bankers, and auditors for gathering and updating business information, etc.

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Md. Rafiul Bary Profile Details:

Md. Rafiul Bary has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD) Limited since 2015 and is currently working as a team leader. Before starting his career in the credit rating industry in Bangladesh, Mr. Rafi also worked with Invesco Global.

Mr. Rafi has an MBA from the Bangladesh University of Business and Technology (BUBT) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than thousands of SME clients with diversified industries and modeling of various industries. He also worked for ensuring analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

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Md. Firoz Hossain Profile Details:

Md. Firoz Hossain has been working as a compliance officer for WASO Credit Rating Company (BD) Limited since 2020. Before joining this company, Mr. Firoz worked at BRB Hospitals Limited as the In-Charge of the Billing Section, and he also worked at WASO Credit Rating Company (BD) Limited as the Executive of the Business Development Department.

Mr. Firoz completed his graduation and post-graduation in economics from Dhaka College under the National University.

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