Inexpensive Birthday Party Ideas

a party of five 2nd level and one 4th level characters, in a swamp, hard difficulty, combat and non-combat mixed.

murder at a rehearsal dinner, the ex-wife is murdered, a jealous bridesmaid, a suspicious groom, a judgmental mother. Flowers are important. 10 clues. another guest is killed to cover up the crime

Diagram Components: 1. Compliance Risk (Independent Variable) o Regulatory penalties o Non-compliance incidents o Enforcement actions 2. Dependent Variables (Impact of Compliance Risk) o Net Profit (Profitability impact) o Return on Assets (ROA) (Operational efficiency impact) o Capital Adequacy Ratio (CAR) (Risk-taking ability impact) o Stock Price Movement (Market reaction) o Reputation Risk (Customer trust, credit ratings) 3. Factors Influencing Compliance Risk o Factors Increasing Compliance Risk: ▪ Weak internal controls ▪ Poor AML/KYC adherence ▪ Cybersecurity vulnerabilities ▪ Inadequate regulatory reporting ▪ Lack of staff training o Factors Reducing Compliance Risk: ▪ Strong risk management framework ▪ AI-driven fraud detection systems ▪ Robust corporate governance ▪ Enhanced internal audits ▪ Regular compliance training 4. Data Sources for Analysis: o Annual Reports of Banks (RBI penalties, SEBI disclosures) o Regulatory Filings (RBI circulars, compliance directives) o Stock Market Data (NSE/BSE stock price movement post-penalty)