Chartered Retirement Planning CounselorSM or CRPCÂ®. Individuals who hold the CRPCÂ® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
the first line of defence â functions that own and manage risk. the second line of defence â functions that oversee or specialise in risk management, compliance. the third line of defence â functions that provide independent assurance, above all internal audit.
Topical Treatments. The first line of defense is treatment you use directly on your skin: medicated shampoos, creams, gels, oils, ointments, and soaps. You can get some of these products over the counter, but stronger ones require a prescription.