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FAIS Ombud

 The objective of the FAIS Ombud is to consider and dispose of complaints by clients against financial services providers in the terms of the FAIS Act.
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Ombudsman for Long-Term Insurance

 The mission of the Ombudsman for Long-term Insurance is to mediate in disputes between the subscribing members of the industry and policyholders.
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From The Glossary »

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Bearish:

Words used to describe a pessimistic investor attitude.
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