A Sweatshirt is a sweater or pullover with long sleeves. Some designs have front pouch, pockets for the hands or a hood, (sometimes called a hoody or ''hoodie''). The sweater is formed by the linking of stitches - Its shape and pattern come from the structure of the garment. If the stitches are taken away there is no form.
A fiduciary is a person who holds a legal or ethical relationship of trust with one or more other parties (person or group of persons). Typically, a fiduciary prudently takes care of money or other asset for another person. One party, for example a corporate trust company or the trust department of a bank, acts in a fiduciary capacity to the other one, who for example has entrusted funds to the fiduciary for safekeeping or investment.
A fiduciary is required to act with prudence, skill, care, diligence and good judgment, and they are required to provide full and fair disclosure of all important facts. Ask any RIA or trustee if he or she adheres to a fiduciary standard and they will answer, âOf course. It goes without question.â Yet, when asked about the apparent conflicts of interest stated above, some become annoyed and close-lipped.