DEFICIENCY is a shortcoming in an internal control or an opportunity to strengthen internal controls.
BEAR is an investor who expects share prices to fall and thus likely to sell short. More generally, a pessimist about the market outlook.
LETTER OF AWARENESS is a formal letter written to a lender, normally by a parent company, acknowledging its relationship with another group company and its awareness of a loan being made to that company. It is the weakest form of comfort letter. Such letters do not constitute a guarantee, but may nevertheless involve a significant moral commitment on the part of the writer.
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