Photo credit. Grey Crowned Crane pair, Rwanda: Xxxxxx Xxxxxxxx (UNEP/AEWA), xxx.xxxxxxxx-xxxxxxxxxxx.xxx Table of contents Table of contents 5 List of Acronyms 7 Foreword 8 EXECUTIVE SUMMARY 8 1 – BIOLOGICAL 9
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Photo credit. Democrance DFS start-ups are introducing applications to expand access to financial services. In November 2019, SHOPS Plus interviewed Xxxxxxx Xxxxxx, CEO of Democrance for this report about the Democrance model for democratizing access to life and health insurance. About Democrance: Democrance (Democrance 2020) is a Software as a Service technology company that seeks to make insurance accessible and affordable to underserved populations via digital technology. Its goal is to create social value for populations previously excluded from the protection insurance can provide. Founded in 2015, Democrance currently works in 11 countries worldwide: Bahrain, Cambodia, Egypt, Jordan, Kuwait, Lebanon, Mexico, Oman, Qatar, Thailand, and United Arab Emirates. The insureTech firm wants to bring affordable, accessible insurance to 15 million low-income people in the MENA region by the end of 2020. How It Works: Democrance serves as a technology enabler, linking insurance providers with payment platforms and distribution partners such as mobile phone companies, money transfer operators, digital wallets, MFIs, r/e-tailers, and superapps. Customers with mobile phone accounts receive complementary life insurance. Additionally, they have the option to purchase simple health insurance for themselves and family members that helps pay for costs associated with major health events, and promotes financial protection. Similarly, Democrance partners with MFIs to bundle insurance products with loans. For example, Democrance works with some of the largest MFIs in Egypt. In partnership with AXA Emerging Customers and the Lead Foundation, it offers credit life insurance, which pays the outstanding amount owed by a borrower on a loan in the event of his or her death, and hospital cash products designed to offset incidental costs (e.g., transportation or lodging) associated with a hospitalization. It currently serves hundreds of thousands of customers, for example, low- income women entrepreneurs with a microfinance loan for their business. Democrance also targets lower-income, uninsured migrants who typically send money home to their family. Customers of remittance houses can purchase and include easy-to-use insurance products with their remittance to insure family members in other locations.
Photo credit. Crossrail Ltd
Photo credit. The Garden requires the location credit “Dr. Xxx Xxx-Sen Classical Chinese Garden” in all uses of Garden photos in print, on the web, in broadcast, and in any other public medium. Photo rights & usage Dr. Xxx Xxx-Sen Classical Chinese Garden allows promotional usage of photos taken in the Garden by its current Photographer Pass-holders. The Garden may request from Photographer Pass- holders Garden images for Garden promotion. We welcome the submission of Garden images from all Photographer Pass-holders at any time. Please contact Xxxxxx Xxxxxx by phone (000-000-0000 xxx 000) or by email (xxxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxxxxxx.xxx) * Appointment booking requests must be made a minimum of 5 business days before requested date. Book cancellations made less than 2 business days in advance are subject to a $25 cancellation fee. Date:
Photo credit. Xxxxxxxx Xxxxxxx. Amazon River tributary. Photo credit: X. Xxxxxxxx. Agreementc — South America 16¥ Countries hm2 % Brazil 1,379,300 46.69 Argentina 817,900 27.68 Paraguay 400,100 13.54 Bolivia 245,100 8.30 Uruguay 111,600 3.78 Date Treaty Basin Signatories Treaty Uame May 6, 1997 Cuareim BraziI, FederaI RepubIic of; Uruguay, Eastern RepubIic of Xxxxxxxxx 0, 0000 XxXxxxxxx Xxxxxxxxx; BoIivia; Paraguay CompIementary settIement to the agreement of cooperation between the government of the Eastern RepubIic of Uruguay and the government of the FederaI RepubIic of BraziI for the use of naturaI resources and the deveIopment of the Cuareim river basin Agreement constituting the triIateraI commission for the deveIopment of the PiIcomayo river basin June 0, 0000 Xxxxx¡x, Xxxxxx xx Xxxx¡x Xxxxxxxxx; BoIivia Agreement for the muItipIe uses of the resources of the upper basin of the Berme¡o river and the Grande de Tari¡a river March 11, 1991 Cuareim BraziI, FederaI RepubIic of; Uruguay, Eastern RepubIic of March 11, 1991 Uot specified BraziI, FederaI RepubIic of; Uruguay, Eastern RepubIic of Agreement of cooperation between the government of the Eastern RepubIic of Uruguay and the FederaI RepubIic of BraziI for the use of naturaI resources and the deveIopment of the basin of the Cuareim river CompIementary agreement to the basic scientific and technicaI cooperation agreement between the government of the Eastern RepubIic of Uruguay and the FederaI RepubIic of BraziI on cooperation in the area of water resources Xxxx 00, 0000 Xxxxxx-Xxxxx, Xxxxxxx Xxxxxxxxx RepubIic; BraziI, FederaI RepubIic of Decree Uo. 88.441 promuIgating the agreement for water resources expIoitation within the Uruguai river and its effIuent the Pepiri-Guacu river, between the government of the FederaI RepubIic of BraziI and the government of the Argentine RepubIic Victoria regia plantc in Paraná River, two viewc of La Plata River. Photo creditc: Xxxxxxx Xxxx. La Plata* Total area: 2,954,500 hm2 Area of Basin in Country La PLata, continued Date Treaty Basin Signatories Treaty Uame May 17, 1980 Pepiri- Guazu, Uruguay Argentine RepubIic; BraziI, FederaI RepubIic of Treaty between the government of the Argentine RepubIic and the government of the FederaI RepubIic of BraziI for the deveIopment of the water resources contained in the border reaches of the Uruguay river and its effIuent, the Xxxxxx-Xxxxx Xxxxx Xxxxxxx 00, 0000 Xxxxxx Xxxxxxxxx; BraziI; Xxxxxxxx Xxxxxxxx 00, 0000 Xxxxxxx Xxxxxxxxx, RepubI...
Photo credit. X. Xxxxxxxx. Lahe Titicaca-Poopo System Total area: 111,800 hm2 Area of Basin in Country Countries hm2 % Suriname 37,500 57.64 French Guiana 27,200 41.90 Brazil 200 0.27 Dates Treaty Basin Signatories Treaty Uame September 30, 1915 Xxxxxx, Xxxxxxx¡ne France; UetherIands Convention between France and the UetherIands to fix the boundary between Suriname and French Guiana, signed at Xxxxx
Photo credit. Xxxxxxx Xxxx. Amazon River cructaceanc. Photo credit: Xxxxxxxx Xxxxxxx. Xxxxxx* Total area: 65,000 hm2
Photo credit. Xxxxxx Xxxxxxx The APBP Minnesota Chapter is planning monthly gatherings throughout the fall and into next year as a chance for professionals to get together and discuss projects, common challenges, opportunities, etc. This photo is from their recent meeting! The Arizona Chapter held a group webinar viewing of the APBP September Webinar: Can We Talk About the Street? at HDR. Over 35 people turned out for this professional development opportunity and to learn more about APBP! Photo credit: Xxxxx Xxxxxx APBP Chicagoland Chapter Hosts Happy Hour at NACTO Image and article credit: Xxxxxx Xxxxxxxxx, AICP, APBP Chicagoland Chapter Chair The NACTO Designing Cities conference was held in Chicago October 30th through November 2nd. It brought together transportation officials, planners, engineers and advocates from around the country to hear about the future of urban transportation, with some highlights including mobile tours, equity and the future of autonomous vehicles. On Halloween, the APBP Chicagoland chapter joined the Young Professionals in Transportation Chicago chapter in hosting a conference happy hour at the Emerald Loop. About fifteen people attended, including APBP members who were in town for the conference from near and far, including the ghost of Xxxxxx Xxxxxxx (see if you can spot him in the photo!).
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