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.
Your body has a two-line defence system against pathogens (germs) that make you sick. Pathogens include bacteria, viruses, toxins, parasites and fungi.The first line of defence (or outside defence system) includes physical and chemical barriers that are always ready and prepared to defend the body from infection.our body has a two-line defence system against pathogens (germs) that make you sick. Pathogens include bacteria, viruses, toxins, parasites and fungi.