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The Canadian market for life insurance products is mature and highly concentrated, with three large groups (Manulife, Sun Life and Great-West Life) accounting for the majority of the gross written premium. The Canadian life insurance segment is highly regulated, with regulation divided between the federal government and the governments of Canada's 13 provinces and territories. Presently, life insurers in Canada are facing a challenging operating environment as uncertain economic and market conditions along with low interest rates are prompting companies to re-examine their products and pricing strategies.

The Vietnamese non-life insurance segment's growth during the review period was supported by the country's robust economic growth, expanding automobile industry, and increasing middle-class population. Vietnam is one of the fastest-growing economies in Southeast Asia, indeed the Vietnamese economy is expected to grow at a faster rate than both India and China over the forecast period. Over the forecast period (2012-2016), the growth of the non-life insurance segment will be driven by the development of the country's automobile, real estate and construction markets. These industries will require innovative non-life insurance products to aid their expansion, creating a larger customer base for non-life insurers. Property insurance was the largest category in the Vietnamese non-life insurance segment in 2011, followed by motor insurance.

Global Market Direct's pharmaceuticals report, "Osel Inc. - Product Pipeline Review - 2012" provides data on the Osel Inc.'s research and development focus. The report includes information on current developmental pipeline, complete with latest updates, and features on discontinued and dormant projects.

Global Market Direct's pharmaceuticals report, "ImVisioN Therapeutics AG - Product Pipeline Review - 2012" provides data on the ImVisioN Therapeutics AG's research and development focus. The report includes information on current developmental pipeline, complete with latest updates, and features on discontinued and dormant projects.

Global Markets Direct's, 'Friedreich Ataxia - Pipeline Review, H2 2012', provides an overview of the indication's therapeutic pipeline. This report provides information on the therapeutic development for Friedreich Ataxia, complete with latest updates, and special features on late-stage and discontinued projects. It also reviews key players involved in the therapeutic development for Friedreich Ataxia. Friedreich Ataxia - Pipeline Review, Half Year is built using data and information sourced from Global Markets Direct's proprietary databases, Company/University websites, SEC filings, investor presentations and featured press releases from company/university sites and industry-specific third party sources, put together by Global Markets Direct's team.

Global Markets Direct's, 'Epidermolysis Bullosa - Pipeline Review, H2 2012', provides an overview of the indication's therapeutic pipeline. This report provides information on the therapeutic development for Epidermolysis Bullosa, complete with latest updates, and special features on late-stage and discontinued projects. It also reviews key players involved in the therapeutic development for Epidermolysis Bullosa. Epidermolysis Bullosa - Pipeline Review, Half Year is built using data and information sourced from Global Markets Direct's proprietary databases, Company/University websites, SEC filings, investor presentations and featured press releases from company/university sites and industry-specific third party sources, put together by Global Markets Direct's team.

BMI expects the Pakistan consumer electronics market will grow by around 9% in 2012, with strong demand for smartphones, flat screen TV sets, and tablets providing growth, despite an expected slowdown in private consumption. The Pakistani consumer electronics market has considerable potential, but this is constrained by a large grey market, poor IP protection, an unstable economic and security situation, and weak distribution channels. Reforming high national and provincial taxes and tariffs on products ranging from computers to prepaid mobile cards would boost the market. The long-term market drivers include a rising population and growing affordability and demand for consumer electronics goods is also influenced by trends from Middle Eastern markets.

BMI View: Although we had expected construction activity in Malaysia to recover in 2012, the sector's stellar performance in Q212 has exceeded our expectations, prompting us to revise up our full-year real growth forecast for 2012 to 11.5% (from a previous forecast of 6.2%). Looking ahead, we remain relatively bullish about the Malaysian construction sector over the coming quarters, but believe that it is unlikely for construction activity to grow at the blistering pace seen in H112. This outlook is because headwinds from a weakening global economy are already dampening demand for residential and nonresidential buildings.

BMI View: Plenty of work is necessary if Nigeria is to extend market coverage and boost capacity, which is needed in order to ensure that power shortages become a thing of the past. There are numerous opportunities in renewables, but investment prospects remain poor. The promise of nuclear over the long term is likely to go unfulfilled, so Nigeria will likely remain over-dependent on oil, gas and hydro resources. Privatisation and regulatory reform appears to be making progress, which should help boost capacity.

Australia Post and Rotacaster collaborated on the design and construction of the transfer table, with trials successfully undertaken at Australia Post's Gateway facility in Melbourne. "The smaller diameter of Rotocaster’s rollers provides support for the soft packaging, while minimizing friction and reducing the number of wheels required," says Rotacaster CEO Peter McKinnon.

Many people become frustrated after trying hard to earn consistent money online but every time they encounter failure in their attempts. In the recent years however many people have been able to generate substantial revenue online through an exciting online traffic exchange business system popular by the name of ‘profit-clicking’. The success of every business depends very much on its target audience or what is known as the potential clients. The profit clicking system delivers a steady flow of traffic to business owners because by means of this system they can get the scope to advertise their existing businesses and earn an income from each and every ad pack they choose to buy. This ground breaking profit making exchange program has risen to tremendous popularity over the recent times and more and more business owners think it wise to opt for profit-clicking to promote their business, earn a steady income online as well as maintain a steady flow of traffic to their website. When an interested business owner chooses profit clicking program and any site that offers such program to customers and buys an Ad package for the first time from that site he or she gets a good number of website views to the opted for URL through the online traffic exchange system of that site. On each of the ad packs run by a customer he or she can earn a maximum of 2% on a daily basis. Thus the more ad packs the customer invests on the more money he or she will make online. One reputed site that helps people earn huge money online from the comfort of their home is Investinprofits.com.

Many ultra-modern women these days show great fascination for black diamond jewelries. These are not like the traditional diamond jewelries. The uniqueness of black diamond lies not only in its ‘black’ hue but also in the fact that it’s extremely rare when compared to white diamond. When a woman walks bejeweled, all eyeballs should be fixed on her and black diamond jewelries are so rare and so very precious that automatically people can’t help stealing glances at a woman who is wearing such jewelry items. Black diamond also known as Carbonado or poly-crystalline diamond has a somewhat opaque appearance. The luster emitted by black diamond is not as brilliant as the one emitted by white diamonds but has a very unique beauty. These days people show increasing craze for black diamond jewelries because both men and women find black diamond to be a highly sophisticated precious stone. Sometimes people are interested to buy loose black diamond and then get the jewelry item designed by the designer of their choice. There are stores selling 100% pure, genuine and natural black diamond online and one such store is Bellojewelsonline.com. Customers can buy loose black diamonds from this store and use those in jewelry pieces like pendants, rings, earrings, bracelets and so on.

With the energy industry in full swing the oil and gas sector is once again looking for talented young engineers to work on big picture projects the world over. Oil and Gas Recruiting, a leading industry job board for oil and gas has hundreds of vacancies available and a bigger need for industry qualified engineers.

Honda have been producing the Honda Accord and the Accord Hubcaps as a series of mid size cars since 1976. Since they were released in 1982, the Honda Accord and the Accord Wheel Covers were believed as the first Japanese car that took the United Stated as the place where they are manufactured. Besides in the United States, it was also manufactured in counties such as England, China, New Zealand, and even in Thailand. So, I am sure there will not be too much objections when I consider this car as everyone's favorite worldwide as it is manufactured in so many countries around the globe.

The internet saw a great boom in the 90s and since then has witnessed amazing growth. Any business, medium or a large scale heavily relies on the power of the internet. For a customer or a web browser to locate someone, there needs to be an address on the internet. This address is the business owner’s domain name. A domain name is a unique identity which helps in the business or a process getting identified on the internet. The domain names are the most sought after names on the web and for its uniqueness, people are ready to shell out a lot of money. The domain name has to be such that it is easily located and identifiable by the customer and other web browsers. There are more than 34 million domain names which are registered all across the world. With a number of service providers dealing in the domain name, it is predicted that there would be 500 million names in the coming decade. Global domains international Inc. is a recognised global entity that deals in the domain names and is extremely popular.

Flexivend Limited is proud to present their most modern and novel Bean to Cup Drinks Machine WMF 1200S. This is a professional machine of extremely superior quality that could be used from small to medium enterprises.

A British company is now offering something that most people wouldn’t think of in the winter; a house painting service!

Frompo – the dual benefit search engine – claiming to be a powerful tool for users must not forget – “With great power, comes great responsibility.” And that being – to get a satisfied and convinced user database along with environmentalists and charitable institutions not raising questions about the “Green Search Engine” initiative.

Those who are interested in taking up some courses to increase their online proficiency and their ability to handle and run websites can visit the website, http://tutorials7.com/. This is a website that can help people find out more about SEO, web design, Joomla, WordPress, etc.

TreeSurvey.co.uk has become known in the industry for providing homeowners and developers with a national, professional and cost effective service for anyone who is looking for a tree survey. Priding themselves on their customer service, the team promise a quick and free quote from the UK’s number one tree surveyors.

With festive spirit spreading across the nation, ExtraCare residents and staff are preparing for the season with their annual Christmas concert at Birmingham’s Symphony Hall. Hundreds of over 55s from around the country will congregate and perform at ExtraCare’s Christmas concert, which will be held tomorrow, 29th November.

TechWasteRecycling, an orange county electronics recycling company which has been serving its community in recycling of all electronics and electronic components, announces the relaunch of their website.

CITYMAIL, a leading provider of mailing services and direct marketing solutions, has announced the availability of a new postcard mailer featuring peel-off vinyl stickers. The weatherproof stickers can be applied to any surface and are easily removed. The stickers can be used to enhance mailings in a variety of ways: Event organizers can mail attendees event information and provide an ID sticker for entrance; companies can add promotional stickers to monthly sales announcements, or the stickers can be used to encourage placement on backpacks, water bottles and other gear to help promote the brand and foster customer loyalty.

In Q412, we are sticking with our existing forecasts for Morocco's mining sector. By the end of 2012 we project the value of the country's mining sector to have reached MAD11.65bn (US$1.35bn), representing an increase of 7.1% year-on-year (y-o-y) in real terms. Growth is expected to quicken in 2013, rising to 8.2% y-o-y. We expect growth to average 4.7% y-o-y over the course of our 2012-2016, medium-term forecast period, with the sector reaching a value of MAD13.91bn (US$1.58bn) by the end of the period. BMI notes that the relative value of Morocco's mining sector is set to remain low, with the total value of the industry estimated at 1.26% of the country's GDP in 2011 and expected to rise to 1.44% in 2013, before returning once more to the 1.26% level in 2016.

BMI's power service is now focussing chiefly on thermal sources, hydropower and nuclear electricity, with developments pertinent to the green segment to be discussed in-depth in our renewables service. However, we continue to provide a detailed overview of the dynamics affecting the power sector. In the face of rising energy consumption, the Peruvian government has taken a number of steps to ensure the country has adequate power generation capabilities. At least three new thermal power plants are expected to become operational in the coming quarters and a number of hydroelectric plants will come online between 2015 and 2016. That said, we highlight that there are still risks to our more optimistic outlook for the sector, including a high level of regional differentiation in power generating capacity and the potential for local opposition to cause delays to hydroelectric projects.