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ENVIRONMENT: All of the naturally occurring stuff that came with the planet, before it's been altered, extracted, transformed, or used up for production. It includes the air, water, land, vegetation, and wildlife.

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RISK POOLING

The process of combining the risks facing individuals into larger groups. This process can be used effectively to transfer individual risks to the entire group. This makes it possible to calculated the risk for the group. Risk pooling is the standard technique that enables the provision of insurance services.

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APLS

WHITE GULLIBON
[What's This?]

Today, you are likely to spend a great deal of time wandering around the shopping mall looking to buy either storage boxes for your summer clothes or 500 feet of coaxial cable. Be on the lookout for malfunctioning pocket calculators.
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Three-forths of the gold mined each year is used to manufacture jewelry.
"Intense concentration hour after hour can bring out resources in people they didn't know they had. "

-- Edwin Land, inventor, entrepreneur

NAG
Net Annual Gain
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