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.
First line of defence is your skin. Skin forms a waterproof barrier that prevents pathogens from entering the body. Your body cavities, such as the nose and mouth, are lined with mucous membranes. Mucous membranes produce sticky mucus which can trap bacteria and other pathogens.irst line of defence is your skin. Skin forms a waterproof barrier that prevents pathogens from entering the body. Your body cavities, such as the nose and mouth, are lined with mucous membranes. Mucous membranes produce sticky mucus which can trap bacteria and other pathogens.