text:
Will in Paraguay
More PY
The Global Property Guide looks at inheritance from two angles: taxation, and what inheritance laws apply to foreigners leaving property in Paraguay: what restrictions there are and whether making a will is advisable.
Inheritance and gifts are not taxed in Paraguay.
Thanks to Ferrere Abogados
What inheritance laws apply in Paraguay?
Which inheritance law applies?
The main laws governing inheritance in Paraguay are The Civil Code, and the Civil and Commercial Procedure Code. If a minor is involved, the Child and Teenage Code also applies.
The inheritance laws of Paraguay affect everyone who owns property in Paraguay. The Paraguayan legal system does not make any distinctions based on nationality, race, religion or gender. Foreigners have the same rights, and are treated in the same way as any other citizen.
The general principle in inheritance matters (real property excepted) is that the law of the deceased's permanent residence applies. It makes no difference if one spouse belongs to one nationality (or religion) and the other spouse to another. However inheritance of real property located in Paraguay is governed by the law of Paraguay, regardless of the nationality and place of residence of the deceased.
The Civil and Commercial Court of the deceased's permanent residence deals with inheritance issues. Decisions about non-resident foreigners' property are made primarily in this court.
Inheritance cases which are not contested take approximately 4 to 6 months.
Reserved Portion.
A certain portion of the estate (the 'reserved portion') must be distributed to certain persons, and is not available for division in accordance with the will (if any). What portion is reserved, depends on what inheritors are available.
If descendants are alive, 4/5th of the estate goes to them
If descendants are not alive, but ascendants are, 2/3rds goes to them
If a spouse owns property jointly with the deceased, s/he inherits ½ of the reserved portion. If not, s/he inherits the same proportion as the descendants, or 1/3 part if there are only ascendants.
When there are no descendants or ascendants, ½ is reserved for the spouse
For adopted persons, the reserved portion is ½ of that applicable to other descendants
These rules apply equally to foreigners and members of different religions. The residue of the property, i.e., that portion outside the reserved portion, can be freely willed, with no restrictions.
If there is no will, the deceased's ascendants, descendants and spouse inherit the estate in the above mentioned proportions. If the deceased has no heirs and does not leave a will, the Government inherits the estate.
The will.
It is normal to formally make a will in Paraguay. It advisable for a foreigner to make a local will because the inheritance process is easier and faster in local courts, especially if the property is located in Paraguay.
There are four types of will, with different formalities:
Holographic will:
Must be written, dated and signed by the testator, in his own handwriting, on all pages.
Can be made in any language.
Public instrument will:
Must be performed before a public notary and three local witnesses.
The testator must manifest the will orally in front of the notary and witnesses, or read a written version in front of them. If s/he can not talk, s/he can sign the will in front of witnesses.
Must contain the place and date when signed, the name, ages and addresses of the witnesses, and whether oral or written.
If the testator cannot speak Spanish, the will must be performed before two translators, in two languages, both of which the witnesses must understand.
The fulfillment of these requirements must be written in the will for its validity.
Those who sign the act cannot be beneficiaries.
Closed will:
Can be handwritten or typed, and must be signed on all pages by the testator.
The testator must give the will to the notary in a closed envelope in the presence of five local witnesses and manifest that it contains his will.
The notary records the circumstances, in the front part of the enclosed will, and the notes are signed by him/her, the testator and the witnesses.
The testator must declare if the will is written and signed by him/her, in handwriting or typing, or written and signed by another person at his/her request. The notary must record all these circumstances.
The notary must seal the enclosed will so that it can not be opened without breaking. S/he must also register what was written in the front of the sealed envelope. It must be signed by the notary, the testator and the witnesses.
The enclosed will remains with the notary for its conservation.
The special will:
Members of the military who are far from the general population must make their will before an officer with rank not inferior to captain. But if there is no superior officer, they can make the will before an inferior rank officer, or the person in charge. If the testator is sick or wounded, he can give his will to the doctor who assists him. The will must be written in the presence of two witnesses and include the place, date, and names of the testator and witnesses. The will expires in 90 days if the testator survives. If he dies, the will is sent to the Defense Minister, who sends it to the judge of the last address of the testator, for its validation
A will can be made abroad, but it must be done personally by the testator, not by a representative.
An owner can freely donate property to anyone, prior to his/her death. However after an inventory of the estate is done, if such a donation includes a part of the "reserved portion", the affected heir can challenge the transaction and bring it back into the estate.
Problems of inheritance.
The law looks primarily at the title deeds to determine the owner of property. Married partners can own property jointly or separately, but if the property is not located in Paraguay, the court applies the law of the country where the married partners were living at the time of death.
Property (or part of it) may be inherited by a child or children not of legal age, or to others not legally adult. If one parents dies, the other acts as the legal guardian. A legal guardian can be appointed in the will if the minor has no parents. The court might also appoint a guardian, if necessary, who can be one of the parents, an older brother, an uncle, or another responsible person outside the family.
Paraguay - More data and information
How high is income tax on residents in Paraguay?


How many online visitors turn into your real buyers? Have you ever counted this fact? Businesses with an offline store are always expecting high footfall at their shops. Only search engine optimization is not enough for your needs. Here comes the demand for the local SEO that improves your exposure to those who are searching for your products. In 2019, search engines are offering some real benefits to local businessmen. Though search engines have already benefitted the local search by giving them the topmost position on the search results, the new trends introduced by them come up with a great promise. So, get ready for a new start with the updated local SEO 2019.
The conversion rate for local searches is as high as 78%. So, you must not ignore the local SEO to improve the profit level of your company. Here are some options that you can try to enhance the visibility of your products on the local search.
Local inventory feeds offer businessmen to increase the curiosity of buyers with giving details more than local information and directories. When you add real-time information such as the details regarding your inventory and stock, you can expect a higher conversion rate.
Local inventory ads allow retailers to promote their products to the demanding market. Submit your inventory feeds to Google. You can expect much from this feed. If you have a physical store, you must not overlook the benefits of local SEO with these updated features.
Augmented Reality or AR has a widespread presence in gaming applications. But the use of this technology is extended and it entered the search engine optimization world. To give extra benefits to local shoppers, Augmented Reality brings alive the local search by offering complete details of the product. If you are looking for the restaurant near you, local search options offer you a list but AR gives you the real experience of the place. Some companies are even adding the virtual map with the use of augmented reality that offers a great experience to your buyers.
Search engine optimization offers even a more compact strategy when you are tracking the online visiting option. But when it comes to local search, companies always find a difficulty to get the tracking result. When it comes to counting in-store footfall, you can use sensors. Though search engines have taken advanced approaches to offer Local SEO, they do little for the tracking option. But, the future stores many promises for the local search and there will soon be a way to help marketers completely flourish their local business.
Search engine optimization is an ever-changing field to study. New options are constantly introducing. Local SEO has now come up with a broader interest. If you want to improve your sale percentage, Seorely has some great options for you. We have a team that stays always updated with the trends. We give your business the right exposure so that you can expect a higher conversion rate from the local search.


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text:
import pymysql.cursors
from models.group import Group
from models.contact import Contact

class DbFixture:

    def __init__(self, host, name, user, password):
        self.host = host
        self.name = name
        self.user = user
        self.password = password
        self.connection = pymysql.connect(host=host, database=name, user=user, password=password, autocommit=True)
        #self.connection.autocommit = True

    def get_group_list(self):
        group_list = []
        cursor = self.connection.cursor()
        try:
            cursor.execute("SELECT group_id, group_name, group_header, group_footer FROM group_list")
            for row in cursor:
                (id, name, header, footer)=row
                group_list.append(Group(id=str(id), name=name, header=header, footer=footer))
        finally:
            cursor.close()
        return group_list

    def get_contact_list(self):
        contact_list = []
        cursor = self.connection.cursor()
        try:
            cursor.execute("SELECT id, firstname, lastname, address, home, mobile, work, email, email2, email3 "
                           "FROM addressbook WHERE deprecated IS NULL")
            for row in cursor.fetchall():
                (id, first_name, last_name, address, home_phone, mobile_phone, work_phone, email_1, email_2, email_3)=row
                contact_list.append(Contact(id=str(id), first_name=first_name, last_name=last_name, address=address,
                                            home_phone=home_phone, mobile_phone=mobile_phone, work_phone=work_phone,
                                            email_1=email_1, email_2=email_2, email_3=email_3))
        finally:
            cursor.close()
        return contact_list

    def destroy(self):
        self.connection.close()

redpajama_set_name: RedPajamaGithub


text:
SpiderOak ONE review 2017
Aimee O'Driscoll VPN AND CYBERSECURITY EXPERT
November 28, 2017 Read user reviews
SpiderOak ONE is an ideal option for those looking for high security and who want to sync across multiple devices. Users who need a solution primarily for mobile use may want to look elsewhere.
Excellent security
Use with unlimited devices
Easily sync across devices
Limited mobile app
Pricey compared to competitors
SpiderOak offers a suite of services for both individuals and businesses, including cloud backup, file sharing, and messaging. Its backup service geared toward individuals is SpiderOak ONE. In this review, we'll reveal everything you need to know about SpiderOak ONE so you can decide if it's the ideal service for your needs.
Summary of key features
Before we get into details about what SpiderOak has to offer, here's a general overview of what you can expect, including some of standout positive and negative aspects of the service:
Has a large focus on security
Works with Windows, MacOS, Linux, iOS, and Android
Can be used with an unlimited number of devices
Seamlessly syncs selected folders across all devices
Offers the ability to share files with others
Has the option to access backups online
Provides a well-designed desktop app
Performs incremental backups
Fairly expensive compared to competitors
Mediocre mobile app
Doesn't allow uploads to the mobile app
Applies the No Knowledge principle to desktop use only
Overall, this service is a little less friendly towards mobile users than other backup softwares out there. However, it could be an excellent option for individuals or even small teams who are primarily looking for secure backup for desktop devices.
Features, space, pricing
Upon visiting the SpiderOak website, you'll see the company has a few options when it comes to backup services (keep reading for a details of a reader discount). SpiderOak Groups is designed for small businesses, whereas larger companies can use SpiderOak Enterprise. However, for the purposes of this review, we will be testing out SpiderOak ONE, which is most suitable for individuals and small teams.
The pricing for this service is straightforward and you simply pay for more storage. No matter how much storage you buy, you can always use the application on an unlimited number of devices. Apps are available for Windows, MacOS, Linux, iOS, and Android.
The most basic plan will give you 100GB for $5 per month, which will be enough for many users wanting to back up text documents, photos, and music. However, if you store a lot of videos or other large files, you'll probably run out space quickly. You can more than double your space to 250GB for $9 per month or jump to 1TB for $12 per month. Finally, 5TB will cost you $25 per month. Note that there is a discount on each plan, albeit quite small, if you pay for a year upfront.
READER DEAL: Get 15% off your subscription using this page and the code Comparitech15.
Overall, this is fairly pricey compared to other some other backup services. Also, some providers offer a one-time licensing fee along with continued support, which may be a more desirable option for some customers. It really depends if SpiderOak offers enough of the perks that you're looking for to justify you spending more and on a continued basis.
As for payment, for this particular service you can pay by debit card or credit card. Other SpiderOak services, such as SpiderOak Groups and SpiderOak Enterprise, allow other payment options on a case-by-case basis. If you want to try SpiderOak ONE risk-free, there is a trial version available for 21 days. You get a decent 250GB of space and no credit card details are required, which is nice.
When you're ready to purchase, you can either select Buy More Space within the client or log into your account online. Once you sign up for the service and provide payment information, the service will be auto-renewed and your card will continue to be charged until you cancel. There are mixed feelings about auto-renewal. Some like that they don't have to worry about a service interruption while others would prefer to be required to authenticate every transaction. Nevertheless, SpiderOak makes it easy to cancel at any time from your account dashboard.
Once you reach your storage limit, your account will simply stop uploading. This means you'll never have to worry about overage fees. You can decide if you want to delete older items or buy more space to continue backing up new files.
When it comes to perks, this service does have quite a few. Aside from being able to use it with an unlimited number of devices, you can also easily sync folders across all your devices so that their content is the same no matter where you're accessing from. Aside from accessing your files on any of your own devices, you can also get to them through the web, wherever you have an internet connection.
The one major downside here is that you can only upload from the desktop apps. This might be frustrating to some users, especially those who use their phone as their primary camera (which applies to a lot of us these days).
SpiderOak makes it easy to share files with others via a couple of options. First, you can generate a URL for a specific file and send it to recipients. As a security precaution, these links expire after three days, so this method is handy in situations where you know the recipient will be accessing the file immediately. The other option is to use a 'Shareroom.' You can add any backed up folders to a room and invite others to access it.
SpiderOak gives you lots of customizations options, including exactly when your backups occur and how your files are synced. For example, backups take place continuously by default, but you can easily tailor the schedule to suit your needs within the client settings.
You can backup files from the SpiderOak interface or you can go to the actual file on your computer, right-click, and select SpiderOak ONE>Add to backup. The latter method is simply convenient, especially if you're creating a new folder, as you don't have to bother launching the client and locating it there.
After a file has been backed up once, SpiderOak performs subsequent backups incrementally. This means it only backs up the modified part of the file instead of the whole thing. This saves time and bandwidth and is ideal if you have a slow internet connection. To save more space, you can also manually delete previous versions of each modified file.
Bear in mind that deleted items go into a Deleted Items bin, from which they can be restored at any time. They no longer get backed up but they still take up storage. So if you want to free up more space, you'll have to go into the bin and delete them again, after which they'll no longer be accessible.
It's worth noting here that SpiderOak is designed for backing up select files and folders and is not suitable for creating an image-based backup of your machine. For this capability, you'll need to look elsewhere.
One of the major selling points of SpiderOak, which we'll go into more detail about a bit later, is the high level of security it offers. It claims its 'No Knowledge' principle is more secure than end-to-end encryption, since "nothing leaves your computer until after it is encrypted and is never decrypted until it is unlocked with your password on your computer." Indeed, this is a big draw for privacy-conscious users.
However, we should also mention that SpiderOak is very explicit about the fact that the No Knowledge principle only extends to its desktop clients and will not apply to the mobile apps or web access of files. This, along with the lack of upload capability and the so-so design of the mobile app, proves that this service is built with a strong focus on desktop users.
SpiderOak ONE results
Of course, you're probably wondering how SpiderOak performs when it comes to actually doing its job of backing up files. We tested the upload speed using a folder containing 210MB of mixed file types. This took just under five minutes to upload using a 30Mbps internet connection. This isn't terribly fast but it's also not considered slow, so as long as you don't have massive amounts of data to upload in a hurry, then it should be sufficient.
We typically test full system backups, but as mentioned SpiderOak is not suitable for this purpose. If you need to perform a backup on your entire system, you might want to consider another provider entirely or utilize one alongside SpiderOak.
SpiderOak prides itself on having created a service that offers the utmost privacy to its users. Its No Knowledge principle ensures that everything is encrypted, beyond end-to-end. Data is encrypted before it leaves your computer and it is only decrypted when you unlock it with your password on your computer. This means that the company itself has no way of knowing what data you are storing on its servers.
SpiderOak has its own physical servers located in the Midwestern United States. It uses 256-bit AES encryption, which is considered as good as it gets in terms of in-transit protection. The data is then decrypted using your password, which is hashed with more than 16,000 rounds and salted with 32 bytes of random data. Traffic is encrypted over TSL/SSL and HTTP Public Key Pinning is used to prevent man-in-the-middle attacks.
Bear in mind that because of the No Knowledge policy, you need to be super vigilant about not losing or forgetting your password. If you do end up forgetting it, and are unable to remember it with the password hint (if you've set one up), SpiderOak has no way to retrieve or reset it.
The only thing you can do is set up a new account, in which case SpiderOak will transfer the billing history from your old account to the new one. While this is excellent from a security standpoint, it could be frustrating. As such, if you're prone to forgetting passwords, you'd be wise to use a password manager. In fact, you might want to check out SpiderOak's offering, Encryptr.
During our testing, we used SpiderOak's Windows and iOS apps. Overall, the desktop client is visually appealing and well-organized. Once you've installed and logged into the application, you'll arrive at the Home tab of the main screen.
Here you can see an overview of your backups, syncs, and shares. You can use the white tabs (Activity, Actions, etc.) to see what's currently happening or has recently occurred within your account.
The left sidebar shows you which devices are connected. To add a device, you simply download and install SpiderOak ONE on that device and log into your account. It will then show up in this bar. At the bottom of the screen, you can see how much storage space you're using and compare it to the limit on your account.
The Scan Now button at the bottom right-hand corner will perform an immediate scan to see if any files need to be backed up. Below that, you have a Preferences link which is where you can adjust various settings. These include startup preferences, backup options (such as file size limits), scheduling for all activities, and network options.
At the top of the main screen are multiple orange tabs. The Backup tab will show you all of the files that reside on the device you're using. Here, you can easily select specific files and folders for backup.
The Manage tab shows you which folders are backed up and stored. You can download files and create URLs for sharing. You can also delete files from this screen as well as access your Deleted Items bin.
On to the Sync tab, you manage which folders are synced across devices. When you place a folder here, any changes that are made to it will also be made to the same folder in other locations. The SpiderOak installation automatically creates a sync folder called SpiderOak Hive. Anything you drop into this folder will sync across devices. However, you can also add other folders to the sync list.
Finally, the Share tab allows you to create a ShareRoom. You add a name and description of your choice before adding any folders from your backup list. Then, a link will be generated which you can send to others so they can access those folders. You have the option to password-protect each individual room you create.
With this intuitive and robust desktop, we were hopeful for a solid mobile app. Unfortunately, the iOS app we tested out didn't exactly meet expectations. Upon install, the app asks for your credentials.
Once you hit Log In, you'll be met with a disclaimer that explains that the No Knowledge (or 'Zero-Knowledge' as it's referred to here) principle doesn't apply to the mobile app, as your password will be temporarily stored on SpiderOak's server. This doesn't make it less secure that most other services. It just means the added layer of security you get with the desktop versions is temporarily lost. The fact that SpiderOak is very explicit about this should serve as a testament to the emphasis they place on user privacy.
Once you're in, you'll see a very plain interface with a Getting Started PDF. You can hit the menu icon to view an equally plain menu with a few tabs. Under Devices, you can access files than have been uploaded through the desktop client. You can also visit ShareRooms and view favorite or recent files.
Finally, under Settings, you have a couple of options for the app, including whether to stay logged into the app and to create a passcode.
Even though it's limited, the mobile app serves its purposes of offering easy access to files that have been uploaded to your SpiderOak account. This means you can view and share your files while on the go, and also access ShareRooms created by others.
If this is your first time using a backup service, chances are you're going to need a little help at some point. With SpiderOak, you have a couple of options. You can go into Help Center at the footer of the website. Here, you'll find a list of SpiderOak's products. Choose the ONE backup tab where you'll find a huge repository of articles. These cover an array of topics, including getting started, how-tos for using the software, and some techniques for advanced users.
If you can't find what you're looking for here, you can hit the Submit a request link in the top righthand corner of the page. Here, you'll find a form to fill out with details of your concern. You can also find the same form by selecting Contact Support in the footer of the main site. We sent a request and it was responded to within two hours, which is pretty decent. The response was extremely polite, knowledgable, and thorough.
SpiderOak is also very active on social media. There's lots of daily activity on its Twitter account and Facebook messages are typically responded to within one day. SpiderOak does not offer a live chat option. However, this typically means outsourcing to companies like LiveChat or Zendesk, raising privacy concerns. Given SpiderOak's intense focus on security, it's not surprising that they've opted to keep everything in-house.
Final thoughts on SpiderOak ONE
SpiderOak ONE is ideal for users who are looking for an online backup solution that also offers cloud storage. Its sync and sharing capabilities mean it is very useful for those with multiple devices and even for small teams. Plus, its ease of use and solid customer service makes it a great option for beginners. What's more, the focus on security is certainly something that will attract those looking for maximum privacy. SpiderOak hopes that these factors are enough to convince you to fork over a little extra cash, as its price point is a little above average compared to other backup services.
The main letdown from this provider is the absence of features catering to mobile users. Aside from having an uninspired overall design, the app lacks the functionality to upload from your mobile device. This is especially unhelpful for users looking to back up images from their phone's camera. Furthermore, using the service on a mobile device will void the No Knowledge principle, one of the things that makes the service so attractive in the first place.
If you're looking for a secure and reliable backup service for desktop use, and you think you'll use the added perks of sync and sharing, then it's a great choice. But if you need something that has an equally robust mobile offering, then you may want to looks elsewhere.
Visit Spideroak One
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redpajama_set_name: RedPajamaCommonCrawl


text:
Skip To Content Ontario.ca Ministry of Finance Français
You are here: Home > Service Providers > FSCO to accept licence applications from service providers starting May 1, 2014
FSCO to accept licence applications from service providers starting May 1, 2014
In December 2013, we announced that the Financial Services Commission of Ontario (FSCO) would soon begin licensing Ontario services providers and regulating their business and billing practices involving Statutory Accident Benefits claims. We can now confirm that FSCO will be accepting licence applications starting May 1, 2014. Licences will be required as of November 1, 2014.
FAQ: What is a "service provider"?
Submit Your Licence Application Early
The licence application window will open May 1, 2014. As many as 9,500 applicants could submit an application for a service provider's licence. FSCO will review and process licence applications on a "first-come, first-served" basis.
Due to the anticipated volume of applications, the service provider business' Principal Representative (PR) should apply early for a service provider's licence to ensure there is no interruption in the ability to submit invoices to HCAI and receive direct payment from auto insurers. As of November 1, 2014, service providers who do not hold a licence will not be able to invoice through HCAI, or receive direct payment from auto insurers, for goods or services ("listed expenses") provided after November 1, 2014 in connection with Statutory Accident Benefits.
The Principal Representative must complete the licence application online.
FAQ: Do I need a licence?
FAQ: What is a "Principal Representative"?
FAQ: How do I stay informed?
Important updates will be released in the next few days concerning:
A description of "listed expenses" (i.e. the specific goods and services covered by the service provider's licence);
Necessary standards for business systems and practices;
Licence processes.
We will provide additional information shortly to explain how the new licensing rules will apply to services you are providing to existing clients when the requirement for a licence comes into effect on November 1, 2014 ("transitional rules").
Application and licencing fee information will be posted on FSCO's website (www.fsco.gov.on.ca/serviceproviders) in the coming weeks.
Take a look at our Frequently Asked Questions page for answers to your questions.
About FSCO
FSCO is a regulatory agency of the Ministry of Finance who regulates certain financial services sectors conducting business in Ontario (read more).
About Service Providers
Legislation: Acts & Regulations
Minister's Schedule of Required Fees
Reducing Abuse & Fraud in Health care Services for Auto Insurance
FAQs on the AIR and Annual Regulatory Fee
Health Service Providers Annual Information Return Sample
Stakeholder Email Correspondence
Public Registry
Public Registry of Licensed Service Providers
Billing Practices
© Queen's Printer for Ontario, 2012-15 - Last Modified: Aug 12, 2014 04:35 PM


text:
Oxford's Helix Geospace secures £3m for mass production of GPS antennas
By Jordan NorrisDecember 18, 2021No Comments
Oxford-based Helix Geospace, a company that makes antenna and radio frequency technology, has raised £3m in Seed funding to take its GPS antennas into mass production.
The round was led by BlocVentures and supported by the government-backed UK Innovation and Science Seed Fund (UKI2S), which is managed by Future Planet Capital-owned venture capital firm Midven. Private investors, including a group of high net worth individuals who were involved in the deal by entrepreuener Tony Best, also backed the company.
The startup builds precision antennas designed and manufactured to specifications that enable GNSS (Global Navigation Satellite System) product designers to create small but accurate positioning, navigation and time synchronisation products.
Position, navigation and timing services delivered by satellite systems are vital for global economies as critical infrastructure. Reliable satellite links are essential for sectors including transportation, cybersecurity and defence are dependent on them. Helix Geospace is also developing its antennas to provide navigation for autonomous vehicles.
James Lewis, CEO of Helix, said: "We will roll out our 'factory-in-a-box' to deliver global capability required to meet the expected demands for autonomous vehicles and systems where absolute precision of location data is a must for safety."
The company has previously raised £2.5m from UKI2S and angel investors, and participated in Wayra UK's Intelligent Mobility Accelerator programme and Seraphim Capital's Space Camp Mission 6. It had also received additional grant funding for advanced antenna development from the European Space Agency, and for anti-jamming and spoofing technology from UKI2S.
As a result of the new funding Helix CTO and DielectriX inventor Oliver Leisten plans to expand his team of radio frequency engineers. COO Nick Filler, who had led operations groups at Nokia and Jaguar Land Rover, will build the company's operations team to drive the scale-up in manufacturing.
David Leftley, CTO and Co-founder of BlocVentures said: "Over 10 billion devices make use of satellite GNSS signals for geolocation, from simple consumer location services to critical aerospace applications. Yet, we face the challenge of reliable location in demanding environments. The new antenna will offer us highest signal sensitivity from the smallest physical size, and the lowest implementation complexity and cost for a GNSS receiver."
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