About Us – Bloomberg New Energy Finance #muthoot #finance


#new energy finance

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About Us

Bloomberg New Energy Finance provides unique analysis, tools and data for decision makers driving change in the energy system. With unrivalled depth and breadth, we help clients stay on top of developments across the energy spectrum from our comprehensive web-based platform.

BNEF products fit your daily workflow, streamline your research, sharpen your strategy and keep you informed. BNEF’s sectoral products provide financial, economic and policy analysis, as well as news and the world’s most comprehensive database of assets, investments, companies and equipment in the clean energy space. BNEF’s regional products provide a comprehensive view on the transformation of the energy system by region.

BNEF has 200 staff based in London, New York, Beijing, Cape Town, Hong Kong, Munich, New Delhi, San Francisco, São Paulo, Singapore, Sydney, Tokyo, Washington D.C. and Zurich. Bloomberg New Energy Finance also leverages Bloomberg s 19,000 employees in 192 locations, generating more than 5,000 daily news stories across TV, BusinessWeek, Mobile, Digital and Radio.

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About Us NZ #finance #car


#instant finance

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About Us

At MyFinance we like to help make your finances smoother, faster and less stressful. So we offer a complete range of personal loans, motor vehicle finance and debt consolidation options to help you reach your goals faster. We think our flexible repayment schedules, competitive interest rates and friendly service makes us pretty hard to beat.

My Finance is a trading division of Instant Finance Ltd. And is based at:

Level 1, Building B
600 Great South Road
Greenlane
Auckland

Auditors PricewaterhouseCoopers
PricewaterhouseCoopers Tower
188 Quay Street
Auckland

Bank
Westpac New Zealand Limited

Solicitors
Crengle Shreves Ratner
Morrison Kent House
105 The Terrace
Wellington

Our Development Team

Richard de Lautour

Chief Executive

Richard was appointed Chief Executive of Instant Finance Limited in January 2003 having completed 20 years’ service with Allied Finance where he was General Manager for the majority of that time. Under his stewardship Allied grew from $400,000 in total assets in 1982 to $173 million in June 2000 when it was amalgamated with Marac Finance Limited. During his time with Allied he was responsible for the establishment of BMW Financial Services NZ Limited and Nissan Finance NZ Limited. Previous directorships include Auckland Motors Ltd, BMW Financial Services NZ Limited and Nissan Finance NZ Limited. Richard served on the executive committee of the Financial Services Federation from 1993 to 1999 and was Chairman of that organisation from 1999 to 2002. He was re-elected back on to the executive in September 2006 and served two terms as Chairman. An active Rotarian, Richard is a member of the Rotary Club of Auckland and Chairman of the Rotary Club of Auckland Trustee Company Ltd.

Mary Gardiner

Chief Financial Officer

Mary has an extensive finance and audit background having worked with KPMG in Auckland, Dusseldorf and Sydney. On returning to NZ from Sydney, she joined Air New Zealand where she was Manager, Governance Risk, as part of the Internal Audit and Risk team. More recently she was CFO at Radius Health Group and oversaw the sale of that organisation’s various operating businesses. Mary has an interest in sports governance and is currently Chairperson of Auckland Netball and a Director of Badminton NZ.

Grant Atkinson

General Manager, Operations

Grant was previously at Marac Finance Limited for 14 years where he was responsible for the credit and risk management function in his role of General Manager Credit. In this role he developed and implemented Marac’s Risk Management Programme required under the Reserve Bank’s supervision of non-bank deposit takers. Grant has a wealth of experience in loan approval and review and in building and managing successful teams and processes in the collections and recovery areas.

John Webber

Business Development Manager

John has had 20 years of experience in the motor vehicle finance industry, including the roles of F I Manager in dealerships. John spent several years as an independent finance broker and a lengthy spell with Monetary Matters, which transformed into Senate Finance where he held the position of General Manager. John has been self-employed for the past 10 years and enjoys his active involvement in the thoroughbred breeding industry.

Cath McCarthy

Area Manager – South Island

Cath McCarthy started her career in the car finance industry with MARAC (formerly Allied Finance, formerly Finance Discounts) in 1997 and was there for approx 8 years. Cath dealt with everything from approvals, repossessions, floor plans to commission accounts etc. It was during this time that she began to work closely with the local dealerships and establish herself in the industry. Cath’s business relationships diversified over the next few years to include all aspects of consumer finance. She joined Gold Band Finance in 2005 as a Senior Lending Consultant and began dealing with Brokers (finance, mortgage and commercial). This was where she gained her experience in the current 2nd tier finance market. Cath has been instrumental in setting up the South Island operating arm of MyFinance in 2013.

Got some questions?


Contact us #business #finance #loans


#ford finance

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The Ford website uses certain cookies. A cookie is a text-only string of information that the Ford website transfers to the cookie file of the browser on your computer. Cookies allow the Ford website to perform properly and remember your browsing history. Cookies also help a website to arrange content to match your preferred interests more quickly. Cookies alone cannot be used to identify you. You can find out more about cookies and how to control them using the Ford Cookie Guide:
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Answering your questions about Ford Credit

If you’re already a Ford Credit customer and would like to request a copy of your agreement, a settlement figure or would like us to contact you about your account, you can manage your account online.

If you can t find what you re looking for in the FAQ section. feel free to contact us and we ll make sure you get the answers to all of your questions.

Customer Service Centre

For more information on products and services available from Ford Credit, please contact the Manchester Business Centre on 0345 712 5490 (Lines are open Monday to Fridays 9am to 5.15pm and Saturdays 9am to 1pm). Calls may be recorded for training and quality purposes.

Or by post at:
Ford Credit
Manchester Business Centre
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Manchester
M15 4FN

Customer Relationship Centre

For any customer assistance on your existing product or service provided by Ford Motor Company, please contact the Customer Relationship Centre on 0203 564 4444. Calls will be charged at local rates from a landline, but may vary when calling from a mobile phone. Calls may be recorded for training and quality purposes.

Ford Customer Relationship Centre
Ford Motor Company
P.O. Box 7597
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US schools get failing grade for financial literacy education #first #step #finance


#finance education

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US schools get failing grade for financial literacy education

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All three states made financial education mandatory after 2000 and previously had not required it in high schools.

According to Finra, credit scores were most improved among graduates from Idaho, Georgia and Texas who took financial education classes in the second and third years following mandate implementation, when coursework was better integrated into the academic curriculum.

Credit scores are a three-digit number derived from detailed information on an individual’s payment history. Lenders use that number to determine how likely borrowers are to default on their loan. The higher the score, the less interest a borrower will have to pay on home, car and private student loans.

Credit scores for those individuals in Georgia jumped nearly 11 points, or 1.8 percent, compared to average credit scores prior to the mandate, while young adults from Idaho increased their credit scores by 16 points, or 2.6 percent. Those in Texas raised their credit rating by 32 points, for a 5.2 percent gain.

J. Michael Collins, co-author of the Finra report and professor of consumer finance for the University of Wisconsin-Madison Center for Financial Security, said credit scores jumped to 629 from 612 in Georgia, while scores increased to 629 from 617 in Texas and to 640 from 632 in Idaho.

Students, he said, develop better credit behaviors in early adulthood in states where personal finance is a formal course, when teachers are trained and students are held accountable for meeting learning objectives.

Finra’s study also found that personal finance education lowers the probability of falling 90 or more days behind on future credit accounts, especially for students who took required classes in economics or personal finance after the first-year mandates were adopted.

In Idaho, for example, former students saw delinquency rates drop by 1.9 percentage points in young adulthood, relative to their peers in neighboring states where financial education is neither taught nor required, representing a decrease of 15.6 percent.

Teaching financial literacy to inmates Friday, 7 Aug 2015 | 4:50 PM ET | 03:55

Those in Georgia posted a 1.8 percentage point decrease, equivalent to a 9.9 percent drop, and individuals in Texas had delinquency rates that were 5.8 percentage points lower, a nearly 33 percent decrease.

“Young people more often struggle to pay bills and manage money,” said Collins, noting that that demographic experiences low levels of financial literacy and is prone to expensive credit behaviors, such as using payday loans and carrying a balance on high-interest credit cards. “They have higher credit defaults and delinquencies, and they make more money mistakes.”

Those who graduate under higher standards, however, are more likely to make on-time payments and keep up with their bills, and they understand how to manage those obligations better than students who were not exposed to personal finance and economics in school, the data show.

Apart from age and inexperience, adolescents in the U.S. lack basic personal finance skills because they receive little coaching at home, said Morrison of the Council for Economic Education. That sets them up for failure in the years immediately following high school graduation.

U.S. lacks money know-how

Indeed, a 2012 study of nearly 30,000 teenagers from 18 countries found more than 1 in 6 students in the U.S. failed to reach the baseline level of proficiency in financial literacy, according to the Paris-based Organisation for Economic Co-operation and Development.

Overall, American students fall in the middle of the pack globally, performing on average just behind Latvia and just ahead of Russia, the OECD data show.

“Exposure is everything,” Morrison said. “When you learn good habits, you tend to have better outcomes.”

Financial education classes offered in the K–12 setting don’t delve into complex concepts, she said. Instead, they teach students practical life skills, like how to balance a checkbook, the effect of interest rates and how investments can benefit from compounded growth.

“These classes are designed to demystify money management; to give students a basic vocabulary to make good choices,” said Morrison. “To be successful, most kids don’t need to learn about collateralized debt instruments, but they do need to know how to open a bank account, how much they need to save each month to reach their goals and, if they borrow this amount of money, how much money they will need to earn to pay it back.”

— By Shelly Schwartz, special to CNBC.com


Pioneer Finance New Zealand – About Us #car #finance #brisbane


#finance companies nz

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About Pioneer Finance

One of New Zealand s leading Finance Companies

We offer loans and finance solutions NZ wide from our offices in Auckland and Wellington and being a Registered Financial Services Provider, we are one of the most trustworthy Finance Companies NZ wide.

Whether you’re looking for a Wellington or Auckland finance company, whether you need a fast online in Christchurch, or a car loan in Invercargill, at Pioneer Finance, you’ll be dealing with real Kiwis who understand what you re going through and we re here to help.

Friendly experienced team

Get a personal service from a New Zealand owned finance company that offers contact with the same person from beginning to end.

Our staff are understanding, friendly are genuinely interested in helping you find a personal loan solution that works for you. We enjoy helping Kiwis like yourself create a relationship with reliable and professional money lenders.

Quick and easy financial services available New Zealand wide, we have offices in Auckland and Wellington

Milk might not come to your door anymore, but Pioneer Finance will. Our services are available nationwide, and if possible we love to deal with you personally, face to face.

When you apply for finance, we understand that you may need your money quickly. We put an emphasis on getting your loan direct to you as soon as possible, which can often be within 24 hours.

It s important that you are comfortable with the personal loan you re getting. To help you rest easy, we put an emphasis on explaining your loan as simply and as fully as possible.

Registered Financial Services Provider (FSP)

Get the assurance of dealing with a Registered Financial Services Provider who is a member of Financial Services Complaints Ltd, a company who will represent you, free of charge, should you have any issues with Pioneer’s products or services.

Apply Online Now

PRIVACY POLICY

We are committed to protecting your privacy.

The information we collect about you helps us to clarify your needs so we can look after you better. We use this information to personalize your experience when you visit us but we do not sell this information to any other party.

1. The information we collect and what it’s used for

This is used to address you by name and send occasional emails.

This is used to customize the information we send or present to you on our site.

We do not sell, publish or give away information to any other party that can be directly associated with you. Sometimes, we do need to share some of your data with third parties authorized to distribute your orders or process your application.

Please be aware too that we may be forced to disclose information to the government under certain circumstances. At our sole discretion, we reserve the right to disclose information to law enforcement or other government officials if it is demanded in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.

Although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personally identifiable information will remain private.

Our site uses cookies to keep track of your preferences. We use cookies to deliver content specific to your interests.

We do not sell, publish or give away information that can be directly associated to you to any other party.

2. The security of your information

We are committed to protecting your privacy.

We do not sell, publish or give away any customer contact information or personal details of any kind to other parties.

3. How to change your details or opt out completely

You can opt out of receiving information from us at any point. Simply visit our site and click “Unsubscribe” which is located in your personalized panel. To change your details, click “Edit my Info” at the bottom of the personalized panel.


Google Project Fi Mobile Service Adds US Cellular To Bolster Network #world #finance #corporation


#google finance mobile

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Google Fi Mobile Service Adds Coverage From US Cellular

Google is adding a third mobile carrier, U.S. Cellular, to its Fi wireless service to improve coverage for subscribers.

Subscribers to the Fi service, which currently relies on coverage from Sprint and T-Mobile, get phones that automatically seek out the strongest signal. The third network will become available via a software update to Fi subscribers in coming weeks, Fi product manager Evan Jacobs said in a blog post on Wednesday .

U.S. Cellular, unlike the other two Fi partners, doesn t provide nationwide high-speed LTE coverage, the fastest current standard for mobile data. Its LTE network covers 23 states, Google said, predominantly in the Midwest as well as some areas in the Northwest and Northeast .

Although Sprint s and T-Mobile s tmus networks are not as extensive as larger carriers like AT T t and Verizon vz . which do not participate in Fi, Google said its customers can get some connection 99% of the time and an LTE connection 95% of the time. That could improve with the addition of U.S. Cellular s usm coverage.

Google s googl Fi service is known for only charging subscribers for data they actually use each month, instead of requiring subscribers to pick a set amount of data in advance and pay the full price whether the allowance is completely used or not. Fi service costs $20 per phone plus $10 per gigabyte of data used. But subscribers can only choose between three Nexus-branded phones that run Google s Android software. Apple s aapl iPhone, for example, won t work on Fi.

For more about Google, watch:

The Fi service opened on an invitation-only basis in April last year and became available to anyone starting in March of this year. Google hasn t disclosed how many people have signed up.

Google is adding a third mobile carrier, U.S. Cellular, to its Fi wireless service to improve coverage for subscribers.

Subscribers to the Fi service, which currently relies on coverage from Sprint and T-Mobile, get phones that automatically seek out the strongest signal. The third network will become available via a software update to Fi subscribers in coming weeks, Fi product manager Evan Jacobs said in a blog post on Wednesday .

U.S. Cellular, unlike the other two Fi partners, doesn t provide nationwide high-speed LTE coverage, the fastest current standard for mobile data. Its LTE network covers 23 states, Google said, predominantly in the Midwest as well as some areas in the Northwest and Northeast .

Although Sprint s and T-Mobile s tmus networks are not as extensive as larger carriers like AT T t and Verizon vz . which do not participate in Fi, Google said its customers can get some connection 99% of the time and an LTE connection 95% of the time. That could improve with the addition of U.S. Cellular s usm coverage.

Google s googl Fi service is known for only charging subscribers for data they actually use each month, instead of requiring subscribers to pick a set amount of data in advance and pay the full price whether the allowance is completely used or not. Fi service costs $20 per phone plus $10 per gigabyte of data used. But subscribers can only choose between three Nexus-branded phones that run Google s Android software. Apple s aapl iPhone, for example, won t work on Fi.

For more about Google, watch:

The Fi service opened on an invitation-only basis in April last year and became available to anyone starting in March of this year. Google hasn t disclosed how many people have signed up.


Careers – Insurance from AIG in the US #cnn #finance


#e finance careers

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Compensation is solid. The benefits are great. Fair work life balance. Diverse culture and opportunity to learn about insurance abroad and many aspects of the business.

– Employee review from Glassdoor

The work at AIG is both challenging and interesting. They have a strong client base, market position and name recognition.

– Employee review from Glassdoor (New York, NY)

People are generally open, direct and very helpful. I have an incredible manager – best in my career and I see that all the way up my chain of management. So many ways to meet people – through Employee Resource Groups, to Employee Volunteer and community outreach groups – and at our location, we have Toastmasters and “hidden hobbies” at lunch. Very happy with my job.

– Employee review from Glassdoor (Atlanta, GA)

AIG participates in E-Verify

AIG companies participate in the U.S. federal government’s E-Verify program and will provide the U.S. Social Security Administration (SSA) and, if necessary, the U.S. Department of Homeland Security (DHS) with information from each new employee’s Form I-9 to confirm work authorization. To learn more about the E-Verify program, please select a topic below.

AIG participa en E-Verify

AIG participa en el programa E-Verify del gobierno federal de los EE. UU. en el cual proveen a la Administración de Seguro Social (SSA, por sus siglas en inglés) y, de ser necesario, al Departamento de Seguridad Nacional (DHS, por sus siglas en inglés) información proveniente del Formulario I-9 del nuevo empleado para confirmar su elegibilidad de empleo. Para obtener más información acerca del programa E-Verify visite éste enlace:

It has been and will continue to be the policy of American International Group, Inc. its subsidiaries and affiliates to be an Equal Opportunity Employer. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

Copyright © 2016 American International Group, Inc. All rights reserved.


Contact us for financial help and advice – Fees and funding – Undergraduate study – Kingston University London #agricultural #finance


#finance help

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Contact us for financial help and advice

The Student Life Centre has money advisers on hand who can give advice and guidance on living on a budget, student finance queries, banking, dealing with debt and financial capability and literacy.

Student Funds, also in the Student Life Centre administers the Government Access to Learning Fund (ALF) and University’s International Hardship Fund. They also provide information about student finance and support.

  • Student Life Centre
    Kingston University
    John Galsworthy Building
    Penrhyn Road
    Kingston upon Thames
    KT1 2EE

Money advisers (student finance, budgeting, dealing with debt): +44 (0)20 8417 7312
Student Funds (applications for university and government hardship funds): +44 (0)20 8417 7315

Contact us about paying your fees

If you have any queries about how to pay your fees. contact:

  • Income and Receivables
    Kingston University
    Ground Floor, Cooper House
    40 46 Surbiton Road
    Kingston upon Thames
    Surrey KT1 2HX

Tel: +44 (0)20 8328 7005

Contact us

Student Life Centre: Advisory Team
Tel: +44 (0)20 8417 7312


Jaguar Prototype Main Battle Tank #jaguar, #tank, #main #battle #tank, #china, #us, #cadillac #gage.


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Home Tanks Jaguar

Jaguar

The Jaguar was a joint Chinese-US main battle tank project carried-out in the 1980s, with the intent of modernizing the Type 59 tank and its variants. From a political standpoint, such an undertaking would have been virtually unimaginable, if not for the Chinese-US Detente policy established in the 1970s. The objective of this policy was to better-stabilize the global balance of power, by enhancing China’s status into a sort of a buffer state between the US and the USSR. Among other things, this involved the transfer of US military technology to China; the Jaguar was part of this legacy.

Development of the Jaguar began at some time in the mid-1980s, and was formally announced in late 1988. The two main contributors were Cadillac Gage in USA, and the China National Machinery Equipment Import Export Corporation in China. Though the Jaguar was already fully planned-out by mid-1989, the political fallout of the Tiananmen Square Massacre forced the US and Chinese teams to part company, and China apparently lost interest in the project. Undaunted, Cadillac Gage continued development of the Jaguar alone, finally combining the hull and turret in October 1989.

Though its development had been a complete success (despite the political turmoil that rocked it) no orders for Jaguars were ever placed. The glutted market of used tanks after the Cold War, frequently seeing fully-operational tanks sold at scrap value, effectively doomed the project.

In its assembly, the Jaguar was every bit as perplexing as the project that spawned it, being a Chinese tank upgraded with US technology, based on a tank designed in the Soviet Union (the T-55. which the Type 59 was a licensed copy of), and armed with a main gun originally developed in Britain.

The V12 diesel engine normally associated with T-55 variants was replaced with a Detroit Diesel 8V-92TA V8, generating 750 hp (which is the same engine used in Cadillac Gage’s Stingray light tank. but with a new hydraulic cooling system). The powerpack is coupled to an Allison XTG-411 automatic transmission, with 4 forward and 2 reverse speeds. The suspension of the Jaguar is the same torsion bar system from the T-55/Type 59, though Cadillac Gage also offered a hydropneumatic torsion bar suspension upgrade. Its steel tracks are also the standard for Type 59s, but the running gear has several different components, notably drum-style rubber-padded roadwheels.

Armament consists of an M68 rifled 105mm gun, with a 7.62-mm coaxial machine gun, and a 12.7-mm M2HB machine gun on the roof. The main gun and coaxial gun are fully-stabilized, and as with most T-55 variants, 34 rounds are carried.

The exact qualities of the Jaguar’s armor are classified, though it is easily much better-protected than most T-55 variants. Other noteworthy protection features include an automatic carbon dioxide fire suppression system, spall liners, an armored ammunition compartment, provisions for ERA, and several optional NBC systems (including overpressure systems).

The optics and electronics on the Jaguar were all substantial improvements over the Type 59 as well, with passive thermal sights, a digital fire control computer, The Jaguar’s fire control system is the same model used on the Cadillac Gage Stingray.

The offered price for a Jaguar was $2.4 Million.

There were two distinct prototype models of the Jaguar, but no other variants are known.


Airports Boost Security After Fort Lauderdale Shooting – ABC News #fort #lauderdale #shooting, #airport #shooting, #airport #security, #us #news, #national #news, #local #news


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Airports Boost Security After Fort Lauderdale Shooting

WATCH Investigation of Ft. Lauderdale Airport Shooting Finds New Details

There has been an increased security presence at airports across the country this weekend after a shooting at Fort Lauderdale-Hollywood International Airport left five people dead and another six people injured.

The suspected gunman, Esteban Santiago, a 26-year-old former National Guard soldier, flew from Anchorage, Alaska, connecting through Minneapolis and on to Fort Lauderdale on Friday morning with a gun legally checked in his luggage. He allegedly told the FBI that he took that gun and loaded it in a bathroom of Terminal 2 at the Fort Lauderdale airport and then opened fire in the baggage claim area.

At New York City airports, Port Authority Police deployed officers with heavy tactical weapons, positioned armored vehicles outside terminals, stepped up K-9 patrols and increased random bag checks.

In Los Angeles, police went into “high visibility mode” with officers patrolling terminals with long guns.

Boston Logan maintained a rigorous security plan, including tactical units, commercial vehicle inspections and roadway blockades.

Airports as varied in size as Philadelphia, Minneapolis, Tampa and San Diego have increased visible security on what’s called the “soft side” of the airport — those public areas before Transportation Security Administration checkpoints like check-in counters and baggage claim areas.

In the wake of terror attacks last year in those public parts of airports in Brussels and Istanbul and a shooting at a TSA checkpoint at LAX in 2013, some security experts have suggested that a consistent presence of specially trained, armed officers stationed in those areas could help.

“It could serve not only as a deterrent but also speed up response times should a situation arise such as the one that occurred in Fort Lauderdale,” John Cohen, a former counterterrorism coordinator at the U.S. Department of Homeland Security and ABC News contributor said.

The TSA’s responsibility for airport security begins and ends at the TSA checkpoint. Areas before the checkpoint are left to local authorities to patrol and secure.

“Local airport authorities should make it a priority to have uniformed law enforcement officers patrolling these nonsecured areas,” Cohen said. “These officers should be trained to recognize the behaviors of an individual who may be planning or preparing to carry out an attack and should also be trained to respond to a mass casualty attacker or active shooter.”

Airports nationwide declined to say how long passengers could expect to see these enhanced security measures remain in place, citing security concerns.