Seven years after the fall down of Westpoint, Australia’s shadow banking system is showing no signals of improvement because it lurches from one disaster to the next.
over the last 12 months, non-bank lenders value more than $1.1 billion have collapsed, been bought or frozen – crippling the savings and retirement plans of hundreds.
What’s even more demanding is that thousands extra buyers remain at risk as the corporations that run these excessive-risk schemes thumb their noses at universally accredited benchmarks.
Following an investigation by means of smart Investor, we are able to exhibit close to an extra billion greenbacks of Australian savings stay invested in woefully undercapitalised debenture groups.
Six companies protecting at name and term deposits worth $533 million – Hargraves make investments, imperative Victorian Investments, Sewells Finance, Winsec, Turner Securities and W&D Finance – have capital buffers of below half the suggested stage.
a further three agencies providing similar investments price $447 million – Angas Securities, Balanced Securities and Vicstate discounts & Loans – have dazzling ranges of arrears and late loans, as high as 71 per cent in a single case.
despite the state of their books, these businesses are nevertheless capable of appeal to cash from the regional bases from which they operate, luring investors with comparatively excessive costs of hobby and a misguided experience of neighborhood.
As these days as closing month, residents of the Victorian township of Sale had been despatched into a spin as Gippsland Secured Investments became pressured to confront a all of a sudden deteriorating loan ebook and freeze greater than $one hundred fifty million of investor money.
however in a merciless twist of fate, a long-awaited crackdown on the sector and a notion for challenging new minimal requirements has been derailed by the election, prolonging the possibility that hundreds extra could be caught up.
To take into account why this has been allowed to ensue time and time again we should return to 1996, when an inquiry discovered that property finance or debenture agencies didn't need the equal oversight as banks.
The Wallis Inquiry into the Australian financial device become a landmark for several reasons, now not least its recommendation to dismantle the “six pillars" that then protected AMP and countrywide Mutual.
The inquiry additionally concluded that debenture issuers that lift money from retail investors and lent these funds to others posed little chance to the ordinary equipment. Chapter 8 of the record stated that over the old two decades, a number of debenture agencies had failed with out threatening equipment stability and that “the threat of a run or contagion is faraway".
wise Investor can nowadays display that this finding is in dispute following the $650 million collapse of Banksia and the forced $290 million sale of Southern Finance group two months later.
ASIC commissioner John cost says that while debenture businesses don't seem to be systemically critical associations, the cave in of 1 can have a devastating and large-ranging have an effect on.
“What the regulatory journey has proven us considering the Wallis Inquiry is that whereas these institutions aren’t systemically essential, they can have quite a big regional influence if there were to be a failure," he spoke of.
“To the factor about contagion or a run, what we have considered is that it is possible for a failure of 1 of those entities to have flow-on influences to others."
at the time of e-book, ASIC talked about even though it was conserving a detailed eye on the $one hundred fifty million frozen by using Gippsland Secured Investments, it didn’t have any intent to consider that events would enhance.
however they should be eager to keep away from a repeat of movements that took location eight months in the past, the place the fall down of 1 company contributed to the chain of events that might see a further meet an premature conclusion.
The catastrophic fireplace that ripped in the course of the Telstra trade at Warrnambool in early November 22, 2012 couldn’t have came about at a worse viable time for Southern Finance neighborhood.
The hearth would finally take out the telephone and information superhighway services of 100,000 americans stretched throughout 26,000 square kilometres of south-western Victoria for greater than per week.
With it went the comms of 20 hospitals, 27 police stations, eighty five faculties and ninety two fireplace stations – adding to the pressures being felt with the aid of lots of of companies in the area.
however as residents and native organizations all the way through the region battled throughout the tips blackout, Southern Finance was discovering it more difficult than most.
Southern Finance become one among Australia’s largest last debenture providers, with greater than $290 million of investor cash. Squeezed by means of a number of structural and cyclical factors, it turned into dangerously low on money.
Compounding concerns, Southern had simply been named in a record through The Australian fiscal evaluate as considered one of a bunch of property finance organizations that did not meet minimum capital necessities.
That wouldn’t normally have been a controversy on account that Warrnambool took fewer than 50 copies of the financial assessment on any given day. but after the cave in of the Banksia community the month prior, debenture suppliers equivalent to Southern Finance were a large story. massive adequate for the local paper to do a page 4 comply with-up before the whole town went darkish.
in the absence of suggestions, people have a tendency to suppose the worst. With traders already rattled with the aid of the crumple of Banksia, and with little to no counsel coming in or out of Warrnambool, many begun to quietly withdraw their funds.
four days after the cell traces in Warrnambool went dead, funds have been being pulled from Southern at an alarming rate.
Southern became pressured to freeze its funds and look for a buyer. A crew became assembled to build a idea and save the business from going under. abruptly, the clock become ticking.
it will be satisfactory to feel that the movements that resulted in the death of Southern Finance were remoted, but in fact it’s an all too normal function of the Australian panorama.
Dugald Higgins is a senior analyst with Zenith investment partners and has greater than a decade of experience analysing debenture businesses.
“These collapses were going on considering that European settlement. in case you go again to the 1840s, you’ll find records of these forms of corporations going below," he talked about.
Higgins says the tiers of loans in arrears or late is a key indicator of that enterprise’s health, and he would get concerned when that rose above 10 per cent.
“It’s now not a dying sentence, however we'd have grave concerns as soon as arrears reached 25 per cent. We’d be troubled in regards to the underlying patterns that led the booklet to deteriorate in that trend," he spoke of.
buyers in Southern Finance have been lucky. Bendigo and Adelaide financial institution expressed an pastime and took a look on the belongings, which dovetailed properly with its community banking model.
It discovered the degree of arrears to be perfect (5.2 per cent as of December 2012) and acquired the complete book.
Others have not been so lucky. buyers who chose to support the native community through investing their money with regional non-bank lender Banksia will get 85¢ again within the dollar by the time the receivers are performed with it.
these caught up within the infamous Westpoint collapse have bought about seventy one¢ after that specific scheme went stomach up in 2006 and $388 million disappeared.
it will, youngsters, be unfair to say that the corporate regulator has not been lively in the enviornment.
considering the fact that 2007, ASIC has issued three reviews, three session papers and two regulatory publications.
In that point more than 17 debenture corporations worth greater than $2 billion have hit the wall.
Zenith’s Dugald Higgins says despite the fact ASIC had the appropriate intentions, its lengthy-standing method of legislation by way of disclosure has failed. “Let’s face it, a lot of people will no longer study a 50-page prospectus," he says. “It’s all very smartly to disclose that the condominium is on fireplace, however they should read that disclosure to make an recommended determination."
unless previous this year, ASIC’s strategy can be most useful described as light contact. Following the 2007 evaluate of the field that took place in the wake of the Westpoint, Fincorp and Australian Capital Reserve collapses, the regulator released Regulatory e book sixty nine, “Debentures and notes: enhancing disclosure for the retail sector".
because the identify suggests, it changed into little more than a serving recommendation. ASIC created eight disclosure benchmarks round equity ratios, liquidity, maturing loans, composition of its portfolio, valuations, linked-birthday party transactions and other mission-vital points of the enterprise.
Debenture issuers have been then required to divulge in their prospectuses where they stood in relation to the benchmarks. Seven years later, many of them are nowhere close ASIC’s instructions.
An investigation of the sphere by means of sensible Investor has uncovered eight such businesses accounting for greater than half a billion dollars of investor cash still working. yet another $300 million is invested in a company this is desperately making an attempt to shake the debenture issuer tag itself but continues to be beneath an ASIC order to stop taking money from new buyers.
tips gathered from essentially the most contemporary prospectuses of Balanced Securities, Hargraves Secured Investments, vital Victorian Investments, Sewells Finance, Winsec, Vicstate discounts & Loans, Turner Securities and W&D Finance shows that all exhibit signs of being dangerously undercapitalised or are exhibiting shockingly high levels of arrears (see table).
ASIC commissioner John rate admits the regulator’s disclosure-first approach has not had the preferred effect. “It’s reasonable to say that some thing greater than if-no longer-why-now not disclosure ideas were vital for this selected sector," he says. “What we tried to do is push the present legal guidelines to their limit. It’s crucial for us to increase latest legal guidelines before we are trying whatever thing new, however now we're proposing going a step further."
the new laws have been outlined by means of ASIC in February in session Paper 199, “Debentures: Reform to reinforce law". The proposals will enshrine most of the benchmarks outlined in the 2007 disclosure guide as legislation.
Debenture suppliers can be required to: lift equity ratios to at the least eight per cent; the property ought to be possibility weighted; they must dangle 9 per cent of liabilities in liquid property; the ratios ought to be reviewed at average intervals; and trustees would accept more desirable responsibility.
ASIC will even have the discretion to compel the businesses to elevate fairness ratio above 8 per cent where it sees healthy.
the new rules can be phased in over a length of 4 years. The capital-ratio requirement, as an instance, might be first raised to 4 per cent 18 months after starting up, then to 6 per cent after three years and at last to 8 per cent after 4 years.
not one of the debenture suppliers are so far-off from these benchmarks that they chance being legislated out of existence. Some, however, have opted to beat the device by means of reinventing themselves.
When South Australia’s Angas Securities sniffed the style the wind become blowing for unlisted and unrated debentures, it hotfooted its manner over to Australia’s secondary inventory change, the country wide inventory alternate or the NSX.
business observers have been sceptical of the flow. A cynic should be would becould very well be inclined to element out that a listed and rated company of debentures (or secured notes) didn't need to conform to any of these new requirements.
however Angas, which money owed for $310 million in mark downs, has no longer been capable of keep out of challenge both and earlier this 12 months standard & terrible’s cut the business’s credit standing from a B+ to a B with a negative outlook.
ASIC adopted that up with the aid of ordering Angas Securities to cease taking new investments pending a review by way of the trustee. The evaluate has considering been achieved but now not released.
according to its most recent prospectus, more than one-third of Angas’s personal loan booklet is overdue. a contented employee at Angas headquarters in Adelaide advised us that while they weren’t accepting new investments at the moment, they were assured of getting a brand new prospectus out in barely a couple of weeks’ time.
on the time wise Investor went to press, the $150 million invested in Gippsland Secured Investments was nonetheless frozen.
appearing as trustees for Gippsland, The believe enterprise unsuccessfully sought Federal court docket orders on July 25 to nominate directors after conducting an in depth review of the books.
In contemporary days assist for Gippsland Secured Investments from native agencies had emerged, with some reports asserting the free affiliation had set itself pursuits of $7 million.
a press release from Gippsland described the figure as wholly inaccurate.
pieces of the Moon and Mars were found in the world earlier than, as well as chunks of Vesta and different asteroids — however what about the innermost planet, Mercury? That’s where some researchers consider this greenish meteorite might also have originated, according to its curious composition and the most recent records from NASA’s Messenger spacecraft.
Science editor Alan Boyle's weblog: "Astronaut Abby" is on the controls of a social-media desktop it really is launching the 15-12 months-historic from Minnesota to Kazakhstan this month for the liftoff of the overseas space Station's next crew.
NWA 7325 is the name for a meteorite fall that turned into spotted in southern Morocco in 2012, comprising 35 fragments totaling about 345 grams. The darkish green stones were bought via meteorite broking Stefan Ralew, who operates the retail site SR Meteorites. Ralew instantly made notice of the rocks' deep colorings and lustrous, glassy exteriors.
Ralew despatched samples of NWA 7325 to researcher Anthony Irving of the institution of Washington, a professional in meteorites of planetary beginning. Irving discovered that the fragments contained relatively little iron but appreciable quantities of magnesium, aluminum and calcium silicates — in keeping with what’s been observed via Messenger within the floor crust of Mercury.
despite the fact that the ratio of calcium silicates is larger than what’s found on Mercury today, Irving speculates that the fragments of NWA 7325 might have come from a deeper part of Mercury’s crust, excavated via an impressive have an effect on event and launched into area, eventually finding their option to Earth.
moreover, exposure to solar radiation for an unknown period of time and shock from its formation could have altered the meteorite’s composition somewhat, making it no longer precisely in shape up with measurements from Messenger. If here is indeed a bit of our solar device’s innermost planet, it will be the primary Mercury meteorite ever verified.
however the best manner to know for sure, in keeping with a research paper written through Irving and his colleagues, is to conduct additional studies on the fragments and, subsequently, samples which are again from Mercury.
Irving’s group’s findings on NWA 7325 may be offered at the 44th Lunar and Planetary Science convention, to be held in Houston from March 18 to 22. study greater in this Sky & Telescope article by Kelly Beatty.
more about meteorites:
Jason foremost is a photograph clothier residing in providence, R.I. He writes about astronomy and space exploration on his weblog Lights at midnight, for Discovery information and for Universe today. This file at the beginning regarded on the Universe these days site on Feb. 4, with the headline "is this Meteorite a bit of Mercury?"
Copyright © 2013 Universe these days. Republished with permission.
This submit is by way of Bryant most reliable, who works within the Innovation Lab network for the Council of Chief State faculty Officers. find him on Twitter @dr_bryantbest.
What if I instructed you that the land of the American Dream has over 5.5 million job openings that employers are eager to fill? And what if I informed you that young, informed individuals are hungry to birth their careers and their personal American Dream, simplest to find out that they would not have the credentials indispensable to begin?
Some could say that there's a capabilities hole. Others might say there is an opportunity hole. some thing the case, one thing is apparent: Educators and trade leaders aren't communicating on what needs to be carried out to prepare our college students for high-demand, high-wage jobs. And closing month, Jobs for the longer term hosted a summit to address simply that.
Jobs for the future is a countrywide nonprofit dedicated to presenting tutorial and economic opportunities for every American by means of creative profession pathways, policies, and elements that cause greater faculty and profession ready individuals, a incredibly knowledgeable team of workers, and general economic increase. In June 2016, the corporation hosted a countrywide summit in New Orleans, Louisiana titled "Voices for chance and financial Mobility." At this summit, greater than 650 employers, educators, policymakers and researchers convened to focus on key considerations that come up in this work and true solutions to clear up them.
As an schooling skilled who's extremely enthusiastic about empowering traditionally underserved communities, i used to be specially intrigued by using and truthfully just a little skeptical of some of the session titles and descriptions. Are these presenters going to talk on the actual "limitations to economic mobility" or will they blow smoke? Is it feasible to trust "tax policy as a method of generating wealth for all americans" or will the session takeaway volume to a promising thought that requires additional exploration? Have these country wide experts basically discovered new ways to "braid federal, state, and personal funding to aid local innovative career pathways" or will the counsel offered fall short as district and faculty leaders hang their heads in defeat?
Let me be the primary to say that this summit did not disappoint.
One compelling breakout mentioned how to construct Cybersecurity pathways in excessive faculty and school. Cybersecurity is a excessive-demand, excessive-wage box it truly is anticipated to have approximately 1.5 million new job openings in the next 4 years. With this in mind, Reserve Officers' practising Corps (ROTC) and counsel technology (IT) instructors at Montachusett Regional Vocational Technical college (Monty Tech) are teaming as much as present their college students cybersecurity boot camps with a view to put together them to later turn into tips protection Officers, Cyber possibility Analysts, and even Behavioral Analysts, all while teaching them the critical deeper studying abilities of constructive verbal exchange, collaboration, and an academic attitude. now not most effective is Monty Tech committed to developing a group of Cybersecurity potential which are selected to particular person fields reminiscent of health and finance, however its students constantly compete in CyberPatriot, a countrywide youth cyber training program and competition hosted via the Air drive affiliation. Monty Tech college students are so immersed in the opportunities the competition provides that they have got, during the past, used their first region prize money to additional their personal training within the field. in addition to undertaking a countrywide community of cyber schooling specialists and future authorities, Monty Tech college students also have the opportunity to earn industry-recognized certifications in computer carrier and web page development programs, akin to A+ and CIW, that put together them for each school and profession.
similarly, the John Jay college of crook Justice (JJC) presents a massive in laptop Science and information security, together with technology-focused career advising and a credit-bearing, semester-long virtual Internship co-taught by using JJC school and knowledgeable within the container, reminiscent of an worker on the Federal Reserve financial institution of new york. The internship gives students alternatives to function precise-world possibility assessments that aid legitimate businesses hold most desirable practices of security while simultaneously building up the student's digital portfolio. industry mentors from companies comparable to Morgan Stanley and BlackRock supply continual, personalised feedback to students, and students often conclude their internship with a first rate reference, resume aid, and a sequence of mock interviews. With all this in region, it be no ask yourself that approximately half of JJC graduates go on to work in public provider such as the new york Police department, the Federal Bureau of Investigation, and the office of the District attorney. when you consider that the proven fact that 50 p.c of JJC's students are the first in their family to move to faculty and that 80 p.c of JJC students graduate debt-free, these are the kinds of partnerships that movement the needle on economic mobility. And with courses like GenCyber providing beneficiant quantities of funding and help to Cybersecurity fanatics--students and lecturers alike--this pathway suggests tons of promise.
So once a district or state chief has a promising pathway to put money into, how does he or she convey it to scale? This query become answered in a special breakout, using examples from two Pathways to Prosperity (P2P) states. In Tennessee, schooling stakeholders desired to aid students improved meet industry needs. in order that they created several statewide pathway initiatives, together with the Tennessee Promise, Tennessee jump, and workforce 360. collectively, these and other classes arrange for college kids to receive up to 2 years of free group school education, gain knowledge of the capabilities employers need most, and hit the workforce working. Tennessee has maximized program effectiveness by using setting up communities that encompass stakeholders in ok-12 education, the Tennessee better schooling fee, and the Tennessee enterprise Roundtable.
Delaware, a further P2P state, is also a recipient of the new talents for adolescence supply awarded by means of the Council of Chief State school Officers (CCSSO). Delaware has a statewide center of attention on credentialing work adventure that addresses specific enterprise wants and funding to additional the schooling of excessive school graduates, courtesy of state Gov. Jack Markell. on account that starting this work, the state has hosted two Pathways Conferences and is in the method of constructing a strategic plan that comprises remarks from educators, employers and the established public. Delaware's subsequent steps encompass creating a public funding structure for the pathways system, implementing summer working towards courses for career and technical education academics, and developing a coverage framework to scale work-primarily based getting to know.
The Innovation Lab community at CCSSO additionally works with states to tackle considerations of faculty and career readiness. One instance is our working neighborhood on profession Readiness and Competency based training (CBE), so as to provide state leaders an opportunity to convene and discuss how to gold standard outline career pathways in terms of potential, integrate academic and profession pathways, and make sure the accessibility and great of profession able fashions of teaching and researching. those attracted to merchandising career readiness within their state, district, or school are inspired to join with organizations similar to CCSSO and JFF.
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CA-Technologies [21 Certification Exam(s) ]
Certification-Board [10 Certification Exam(s) ]
Certiport [3 Certification Exam(s) ]
CheckPoint [40 Certification Exam(s) ]
CIPS [4 Certification Exam(s) ]
Cisco [315 Certification Exam(s) ]
Citrix [46 Certification Exam(s) ]
CIW [17 Certification Exam(s) ]
Cloudera [10 Certification Exam(s) ]
Cognos [19 Certification Exam(s) ]
College-Board [2 Certification Exam(s) ]
CompTIA [74 Certification Exam(s) ]
ComputerAssociates [6 Certification Exam(s) ]
CPP-Institute [1 Certification Exam(s) ]
CSP [1 Certification Exam(s) ]
CWNA [1 Certification Exam(s) ]
CWNP [13 Certification Exam(s) ]
Dassault [2 Certification Exam(s) ]
DELL [9 Certification Exam(s) ]
DMI [1 Certification Exam(s) ]
ECCouncil [21 Certification Exam(s) ]
ECDL [1 Certification Exam(s) ]
EMC [127 Certification Exam(s) ]
Enterasys [13 Certification Exam(s) ]
Ericsson [5 Certification Exam(s) ]
Esri [2 Certification Exam(s) ]
ExamExpress [15 Certification Exam(s) ]
Exin [40 Certification Exam(s) ]
ExtremeNetworks [3 Certification Exam(s) ]
F5-Networks [20 Certification Exam(s) ]
FCTC [2 Certification Exam(s) ]
Filemaker [9 Certification Exam(s) ]
Financial [36 Certification Exam(s) ]
Fortinet [12 Certification Exam(s) ]
Foundry [6 Certification Exam(s) ]
Fujitsu [2 Certification Exam(s) ]
GAQM [8 Certification Exam(s) ]
Genesys [4 Certification Exam(s) ]
GIAC [15 Certification Exam(s) ]
Google [4 Certification Exam(s) ]
GuidanceSoftware [2 Certification Exam(s) ]
H3C [1 Certification Exam(s) ]
HDI [9 Certification Exam(s) ]
Healthcare [3 Certification Exam(s) ]
HIPAA [2 Certification Exam(s) ]
Hitachi [28 Certification Exam(s) ]
Hortonworks [4 Certification Exam(s) ]
Hospitality [2 Certification Exam(s) ]
HP [744 Certification Exam(s) ]
HR [2 Certification Exam(s) ]
HRCI [1 Certification Exam(s) ]
Huawei [21 Certification Exam(s) ]
Hyperion [10 Certification Exam(s) ]
IAAP [1 Certification Exam(s) ]
IBM [1520 Certification Exam(s) ]
IBQH [1 Certification Exam(s) ]
ICAI [1 Certification Exam(s) ]
ICDL [6 Certification Exam(s) ]
IEEE [1 Certification Exam(s) ]
IELTS [1 Certification Exam(s) ]
IFPUG [1 Certification Exam(s) ]
IIA [3 Certification Exam(s) ]
IIBA [2 Certification Exam(s) ]
IISFA [1 Certification Exam(s) ]
Intel [2 Certification Exam(s) ]
IQN [1 Certification Exam(s) ]
IRS [1 Certification Exam(s) ]
ISA [1 Certification Exam(s) ]
ISACA [4 Certification Exam(s) ]
ISC2 [6 Certification Exam(s) ]
ISEB [24 Certification Exam(s) ]
Isilon [4 Certification Exam(s) ]
ISM [6 Certification Exam(s) ]
iSQI [7 Certification Exam(s) ]
ITEC [1 Certification Exam(s) ]
Juniper [63 Certification Exam(s) ]
Legato [5 Certification Exam(s) ]
Liferay [1 Certification Exam(s) ]
Lotus [66 Certification Exam(s) ]
LPI [23 Certification Exam(s) ]
LSI [3 Certification Exam(s) ]
Magento [3 Certification Exam(s) ]
Maintenance [2 Certification Exam(s) ]
McAfee [8 Certification Exam(s) ]
McData [3 Certification Exam(s) ]
Medical [25 Certification Exam(s) ]
Microsoft [362 Certification Exam(s) ]
Mile2 [2 Certification Exam(s) ]
Military [1 Certification Exam(s) ]
Misc [1 Certification Exam(s) ]
Motorola [7 Certification Exam(s) ]
mySQL [4 Certification Exam(s) ]
NCLEX [2 Certification Exam(s) ]
Network-General [12 Certification Exam(s) ]
NetworkAppliance [36 Certification Exam(s) ]
NI [1 Certification Exam(s) ]
NIELIT [1 Certification Exam(s) ]
Nokia [6 Certification Exam(s) ]
Nortel [130 Certification Exam(s) ]
Novell [37 Certification Exam(s) ]
OMG [10 Certification Exam(s) ]
Oracle [262 Certification Exam(s) ]
P&C [1 Certification Exam(s) ]
Palo-Alto [4 Certification Exam(s) ]
PARCC [1 Certification Exam(s) ]
PayPal [1 Certification Exam(s) ]
Pegasystems [11 Certification Exam(s) ]
PEOPLECERT [4 Certification Exam(s) ]
PMI [15 Certification Exam(s) ]
Polycom [2 Certification Exam(s) ]
PostgreSQL-CE [1 Certification Exam(s) ]
Prince2 [6 Certification Exam(s) ]
PRMIA [1 Certification Exam(s) ]
PsychCorp [1 Certification Exam(s) ]
PTCB [2 Certification Exam(s) ]
QAI [1 Certification Exam(s) ]
QlikView [1 Certification Exam(s) ]
Quality-Assurance [7 Certification Exam(s) ]
RACC [1 Certification Exam(s) ]
Real-Estate [1 Certification Exam(s) ]
RedHat [8 Certification Exam(s) ]
RES [5 Certification Exam(s) ]
Riverbed [8 Certification Exam(s) ]
RSA [15 Certification Exam(s) ]
Sair [8 Certification Exam(s) ]
Salesforce [5 Certification Exam(s) ]
SANS [1 Certification Exam(s) ]
SAP [98 Certification Exam(s) ]
SASInstitute [15 Certification Exam(s) ]
SAT [1 Certification Exam(s) ]
SCO [10 Certification Exam(s) ]
SCP [6 Certification Exam(s) ]
SDI [3 Certification Exam(s) ]
See-Beyond [1 Certification Exam(s) ]
Siemens [1 Certification Exam(s) ]
Snia [7 Certification Exam(s) ]
SOA [15 Certification Exam(s) ]
Social-Work-Board [1 Certification Exam(s) ]
SpringSource [1 Certification Exam(s) ]
SUN [63 Certification Exam(s) ]
SUSE [1 Certification Exam(s) ]
Sybase [17 Certification Exam(s) ]
Symantec [133 Certification Exam(s) ]
Teacher-Certification [4 Certification Exam(s) ]
The-Open-Group [8 Certification Exam(s) ]
TIA [3 Certification Exam(s) ]
Tibco [18 Certification Exam(s) ]
Trend [1 Certification Exam(s) ]
TruSecure [1 Certification Exam(s) ]
USMLE [1 Certification Exam(s) ]
VCE [6 Certification Exam(s) ]
Veeam [2 Certification Exam(s) ]
Veritas [32 Certification Exam(s) ]
Vmware [57 Certification Exam(s) ]
Wonderlic [1 Certification Exam(s) ]
Worldatwork [2 Certification Exam(s) ]
XML-Master [3 Certification Exam(s) ]
Zend [6 Certification Exam(s) ]
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