OCR

Related by string. OCRS . ocr * * Optical Character Recognition OCR . recognition OCR . Civil Rights OCR . Office OCR PDF . NYSE OCR . Rate OCR . OCR optical . OCR ICR . Omnicare OCR . OCR Optical Character . ABBYY OCR applications . OCR SDK . ABBYY OCR . RBNZ OCR . www.hhs.gov ocr *

Related by context. All words. (Click for frequent words.) 48 RBNZ 47 Bollard 45 Dr Bollard 44 RBA 42 Governor Alan Bollard 39 FOMC 38 Rate OCR 38 Reserve Bank 38 Allan Bollard 38 governor Alan Bollard 38 Monetary Policy Statement 37 RBNZ Governor 37 X#.# [004] 37 Alan Bollard 37 OPR 37 Fed 36 Federal Reserve 36 Austraclear 36 Interest Rates 35 BNZ 35 BoJ 35 Westpac 34 BoE 34 BoC 34 ECB 34 RPIX 34 Selic rate 34 BIS 34 Ulf Schoefisch 34 interest rates 34 NBNZ 33 BBA LIBOR 33 #basis points 33 Eslake 33 Discount Rate 33 Kiwibank 33 eVisa 33 Rupee Symbol 33 PBOC 33 BOJ 33 NZMEA 33 RBNZ OCR 33 benchmark refi 33 mildly restrictive 33 CAMELS rating 32 Canadian Ivey PMI 32 Libor fixings 32 Banxico 32 FOGRA 32 Fed Yellen 32 BS #-#:# 32 Reverse Repo 32 NGDP 32 tightening bias 32 infl ation 32 BoE Sentance 32 Contact Image Sensor 32 MoReq2 32 OIS 32 DS CAPI 32 Cheque Truncation 32 ECCHO 32 FED 32 Anthony Byett 32 QAA 32 SpeechExec Enterprise 32 central bankā 32 Copom 32 INSTANT VIEW BoE 32 Policy Rate OPR 32 Westpac ANZ 32 IPCA 32 Vice Chancellors Committee 32 reverse repo rate 31 Inflation Report 31 CIPA Camera 31 libor 31 DMIS 31 Inflation Gauge 31 Iress 31 benchmark Selic rate 31 India cbank 31 BoE Monetary Policy 31 EONIA 31 Eibor 31 Mr Tharenou 31 FFIEC 31 BOJ Keeps 31 Mr Maharey 31 Bank Negara 31 stimulative monetary policy 31 EIBOR 31 GCA VS 31 Minimum Bid Rate 31 #bps [002] 31 rediscount rate 31 Fed policymakers 31 Philippine c.bank 31 refi rate 31 SNB Roth 31 Franulovich 31 QE quantitative easing 31 Repo Rate 31 OIS curve 31 Hanse Orga 31 COSO ERM 31 Polish c.bank 31 Federal Reseve 31 CBSL 31 cental bank 31 Riksbank 31 Schoefisch 31 MPC 30 IAASB 30 RBNZ Bollard 30 economist Besa Deda 30 Ric Simes 30 Hungary cbank 30 GBPNZD 30 IPCA inflation 30 Medicine DICOM 30 Account Number IBAN 30 Indonesia c.bank 30 nWEL# [002] 30 repo rate 30 Rate Steady 30 MYEFO 30 Forex AUD NZD 30 #bp [002] 30 EN #:# 30 Czech cbanker 30 PBoC 30 G7 communique 30 Bernanke 30 monetary policy 30 SBV 30 Fed Lacker 30 Fed Pianalto 30 Retail Sales Disappoint 30 S.Africa cbank 30 QE 30 ANZ 30 Swedish c.bank 30 CPIX inflation 30 central bank 30 Rs #.#/USD 30 FOMC Minutes 30 Vandyke Hepburn 30 economist Stephen Toplis 30 Chile cenbank 30 Malaysia BNM 30 Selic 30 Sentix Investor Confidence 30 BoE Posen 30 RESERVE BANK OF 30 repo reverse repo 30 yuan peg 30 Battellino 29 Dr Brash 29 reverse repo rates 29 Key Interest Rate 29 CRR 29 Westpac Banking Corp 29 Quantitative Easing QE 29 Fed Kroszner 29 ECB Trichet 29 DEEWR 29 BOE Monetary Policy 29 ◆ BOJ 29 Westpac Institutional 29 SWIFTReady accreditation 29 Governor Ian Macfarlane 29 interestrates 29 Monetary Policy 29 SELIC rate 29 Bank Negara Malaysia BNM 29 HM Treasury 29 ID nWEL# [001] 29 Algo Suite 29 CBRT 29 Inflation Expectation 29 IBPS 29 CFLP PMI 29 Remuneration Code 29 AOFM 29 Mr Battellino 29 Eurodollars 29 Quarterly Inflation 29 currency strategist Imre 29 SWIFTReady Gold 29 SGD NEER 29 Reserve Requirement Ratio 29 QSBO 29 core PCE inflation 29 photo Letisha Henderson 29 Standardised 29 SEI Capability Maturity Model 29 HKMA 29 #bp hike 29 Lending Rate 29 intermeeting 29 furth er 29 Mr Rubinsohn 29 +# bps [001] 29 tightenings 29 Fed Rosengren 29 LIBOR OIS spread 29 COPOM 29 SLHCs 29 CBUAE 29 easings 29 Hoenig 29 Ms Polygenis 29 Swedish Riksbank 29 NZD 29 Motorola Printrak Biometric Identification 29 Czech c.bank 29 Helen Kevans 29 Mr Frazis 29 Ms Beacher 29 Photo Letisha Henderson 29 Allan Monks 29 borrowing costs 28 GROCERYchoice website 28 Inflation Targeting 28 SwiftNet 28 Governor Bollard 28 chief economist Besa 28 SNB 28 NZIER 28 CGTMSE 28 Core PCE 28 MIFOR 28 Disinflation 28 HIBOR 28 Jamie Saettele 28 Newnaha 28 Governor Savenaca Narube 28 ECB Bini Smaghi 28 PTSB 28 Ivey PMI 28 Eonia 28 USD CNY 28 Australian Vice Chancellors 28 Econ Grapher 28 BNM 28 Reverse Repo Rate 28 ringgit peg 28 #bps hike 28 BBA Libor 28 #Y yield 28 Ryutaro Kono 28 annual HICP inflation 28 SDW 28 Cbank 28 Professor McKibbin 28 Westpac Consumer Sentiment 28 CPI 28 US#.#c [001] 28 BS EN ISO #:# 28 England Monetary Policy 28 economist Cameron Bagrie 28 benchmark PLR 28 Benign inflation 28 Investec PMI 28 Rates Unchanged 28 Tangoe MDM 28 Bank Negara Malaysia 28 stocks Sharemarket 28 UKAS 28 Gena Gibbs 28 IUCLID 5 28 BofE 28 President Cathy Minehan 28 CP#/# 28 FinCEN 28 disinflation 28 BoE Inflation 28 Fedspeak 28 Stephen Toplis 28 benchmarket 28 Inflation Expectations 28 accomodative 28 normalizing monetary 28 IOER rate 28 ultra accommodative monetary 28 Leaves Rates Unchanged 28 Sue Trinh currency 28 DvP 28 Nick Tuffley 28 Eurozone PPI 28 Iceland c.bank 28 Halifax HPI 28 THE RESERVE BANK 28 Interest Rate Decision 28 ANZ Commodity 28 NBH 27 inflation undershooting 27 Intergenerational Report 27 Monetary Authority 27 Difi 27 yield curve steepens 27 economist Nick Tuffley 27 Rates Steady 27 STEPHEN KOUKOULAS 27 GC Pooling 27 Composite Leading Indicators 27 Norway c.bank 27 Pironet NDH 27 LSTA 27 Splendid Medien AG 27 Glenn Stevens 27 Thai c.bank 27 Lacker dissented 27 month sterling Libor 27 Monetary Policy Rate 27 Trichet 27 Sedlabanki 27 Swiss franc Libor 27 UK Claimant Count 27 TIBOR 27 reserve ratio CRR 27 ECB Bonello 27 German Zew 27 interestrate 27 NZ Sharemarket 27 GRI G3 27 Rate Decision 27 Ritchie Bros Auctioneers 27 Packaging Waste 27 Counterfeit Deterrence 27 UBS Consumption Indicator 27 author Christena Singh 27 Mirvac 27 Philip Borkin economist 27 Reserve Requirement 27 LAF corridor 27 uncollateralized overnight call 27 Prime Lending 27 Nationalbank 27 indexed swaps 27 #.#Ac 27 accommodative monetary stance 27 Westpac Consumer Confidence 27 Sean Callow 27 Don Brash 27 ECB BoE 27 Koukoulas 27 Epson CaptureOne 27 benchmark Selic 27 IS0 # 27 Libor interbank lending 27 Cameron Bagrie 27 Leaves Rate Unchanged 27 ZIRP zero 27 US1c 27 BoE MPC voted 27 Bagrie 27 Dollar Eases 27 Consumer Inflationary Expectations 27 BERs 27 Claimant Count Change 27 Ms Trinh 27 inflationary pressures 27 NZD USD 27 AWOTE 27 FMOC 27 Fed Kocherlakota 27 Financial Stability Review 27 Manila c.bank 27 BOE Governor Mervyn 27 ECB Garganas 27 USD JPY USD JPY 27 NIESR 27 Leaves Interest Rate 27 Kris Ingraham 27 Reserve Ratio 27 Dr Debelle 27 Annabel Bishop 27 ANZ Banking 27 Santomero 27 USFed 27 QE2 27 reference Selic 27 sideway trading 27 ECCB 27 COSO framework 27 accommodative 27 Mr Bagrie 27 Sven Egenter Keywords SWISS 27 HIGHLIGHTS BOJ Shirakawa 27 Bankers Almanac 27 Henrik Gullberg 27 Serb cbank 27 Eurodollar futures 27 NUEPA 27 Lacker 27 Sweden Riksbank 27 month Klibor 27 HICP inflation 27 Mortgage Approvals 27 Swiss KOF 27 Jarrod Kerr 27 economist Jonathan Cavenagh 27 Dr. Jürgen Rautert 27 S.Korea c.bank 27 ZIRP 27 IIBF 27 Spiros Papadopoulos 27 FOCUS BoE 27 Westpac Banking Corporation 27 Daniel Katzive currency 27 economist Riki Polygenis 27 Sharemarket opens 26 Boris Schlossberg senior 26 RRR hikes 26 Sue Trinh senior 26 MONEY MARKETS Libor 26 Greenspan 26 ADCM 26 Leave Rates Unchanged 26 Ric Battellino 26 RBSG 26 TICS 26 Ganesh Nana 26 c.banker 26 John Kyriakopoulos currency 26 Adam Boyton 26 depegging 26 St.George Bank 26 S.Africa c.bank 26 Amárach 26 Eurosystem 26 external imbalances 26 Certification Bodies 26 GSJBW 26 REER 26 BERR 26 Gerry Brownlee 26 Dominic Konstam 26 Pre Budget 26 MARKET IMPACT 26 SARB 26 Warwick McKibbin 26 Stuart Ritson 26 Singdollar 26 Ms Deda 26 Geoff Dicks 26 Oftel 26 Holds Rates Steady 26 TIMELINE Changes 26 Leaves Interest Rates 26 ECB Issing 26 OmniPay 26 Queensland BOQ 26 ECB Paramo 26 Norges Bank 26 ACCC 26 sterling Libor 26 Kieran Davies 26 Invoice Finance 26 Interest Rates Unchanged 26 INTEREST RATES 26 strategist Imre Speizer 26 Mr Halmarick 26 Aristocrat ALL 26 Governor Durmus Yilmaz 26 Headline inflation 26 Czech cbank 26 Bennenbroek 26 NZSX# 26 leader Don Brash 26 Mr Speizer 26 PMIs 26 Standardised Approach 26 0 # YIB 26 spokesman Werner Abegg 26 claimant count 26 ČNB 26 Reverse repo 26 Buba Weber 26 Hungary MNB 26 Yellen 26 Claimant Count 26 Zamrazilova 26 Johnathan Bayley 26 Kagiso PMI 26 RiskBusiness 26 Avaloq 26 QIS 26 Yetsenga 26 Bangko Sentral 26 research Stephen Toplis 26 CRAIG JAMES 26 CRR hikes 26 Ms Ong 26 Keep Rate Unchanged 26 James Shugg 26 MacarthurCook 26 S. Bernanke 26 benchmark Selic interest 26 Jeff Oughton 26 Bund Yield 26 compulsory superannuation contributions 26 theFederal Reserve 26 Tomohisa Fujiki 26 cenbank 26 Infometrics 26 necessarily portending 26 SAUL ESLAKE 26 Headline CPI 26 riskpro ™ 26 Hungary NBH 26 BoM 26 Betty Vedrine 26 Liberal backbencher Malcolm Turnbull 26 Narube 26 NCCHC 26 BS EN # 26 EN ISO # 26 Sri Lanka CBSL 26 wage bargainers 26 OIS spreads 26 CBOCBO 25 Quantitative Easing 25 Oxera 25 ECB Constancio 25 WEEKEND ECONOMIST 25 Retails Sales 25 Counterparty Risk Management 25 Ian Stannard senior 25 Target2 25 Chief Executive Cameron Clyne 25 Appreciable downside risks 25 Trade Weighted 25 Eduserv 25 TCMB 25 quantative easing 25 AGIMO 25 specialist HiFX 25 BOE Sentance 25 CIPS NTC 25 PPI Input 25 Dr Edey 25 Bernanke Testifies 25 ISO# Quality 25 DISE 25 inflationary pressure 25 MONEY MARKETS Euro 25 Monica Ambrosi 25 Khoon Goh senior 25 Libors 25 Sentance 25 Wayne Swan 25 Hetal Mehta economist 25 G7 communiqué 25 tightening monetary 25 IMES 25 US#.#c US#.#c 25 USD INR 25 BoE Governor Mervyn 25 Suncorp 25 David de Garis 25 APRA 25 BoQ 25 macro prudential tools 25 LONDON MNI 25 Ben Bernanke 25 Sally Auld 25 Liquidity Ratio 25 Fundtech Global CASHplus 25 BoJ Shirakawa 25 quarterly Tankan 25 BRC IoP 25 policymaking Monetary 25 economist Justin Smirk 25 IVEY PMI 25 WPI inflation 25 ECB Draghi 25 Bangko Sentral ng Pilipinas 25 GBP NZD 25 Federal Reserveâ 25 G7 25 Malcolm Edey 25 BoE MPC 25 ECB Papademos 25 FINMA 25 QE3 25 Polish cbank 25 Brazil benchmark Selic 25 S.Korea BOK 25 Monetary Policy Committee 25 IDRBT 25 WFPS 25 TSLF auction 25 Fonterra 25 Governor Mervyn King 25 Gilt yields 25 Plosser 25 Marek Petrus 25 www.pieweb.com 25 Dr Tsiaplias 25 ESCB 25 Vocalink 25 Telekurs Financial 25 nonmanufacturing ISM 25 thecentral bank 25 Brian Fallow 25 Brendan O'Donovan 25 inflation pressures 25 Formicary 25 interbank lending rates 25 CCIWA 25 Nationwide Consumer Confidence 25 Forex NZD USD 25 ICS 25 quantitive easing 25 setter Tim Besley 25 Freebairn 25 DealHub 25 #USc 25 Nobuaki Tani senior 25 SEI CMMI 25 MTBPS 25 Richard Yetsenga currency 25 monetary tightening cycle 25 EN ISO #:# 25 Isda 25 central bankers 25 Czech c.banker 25 Mediation Directive 25 Statistics ABS releases 25 CURRENCIES Euro 25 Tim Besley 25 reverse repo 25 Rate Libor 25 inflation 25 Fed Plosser 25 Remuneration Tribunal 25 Brian Redican senior 25 NAHB Housing 25 Gavin Redknap 25 tightening cycle 25 Romania BNR 25 Childe Freeman 25 implied vol 25 fundamentally misaligned 25 Jean Pierre Roth 25 CPSS IOSCO 25 Foodland FOA 25 Garganas 25 FHFB 25 ALAN OSTER 25 AvantGard 25 Mr Munchenberg 25 Building Approvals 25 Governor Pierre Duguay 25 governor Malcolm Edey 25 Euroclear Belgium 25 ID nTOE#B# 25 Webjet 25 Battelino 25 Maori Party 25 reprocessors 25 Carsten Fritsch currency 24 Wyplosz 24 Mr Hanlan 24 Tom Vosa 24 Kathy Lien 24 FSAP 24 Magyar Nemzeti Bank 24 Mr de Garis 24 Andrew Hanlan 24 coincident indicator 24 Sibor 24 Inflation Pressures 24 Masuhisa Kobayashi chief 24 Deputy Governor Hartadi 24 WAYNE SWAN 24 PCE Core 24 BoE Gieve 24 Niesr 24 BPPG 24 Cashcard 24 Econometer 24 Beige Book 24 dovish tone 24 economist Andrew Hanlan 24 AUDUSD 24 Su Lin Ong 24 Reserve Ratio CRR 24 WORLD FOREX Euro 24 IVSC 24 ID nLAG# 24 Governor Rundheersing Bheenick 24 Sharada Selvanathan currency 24 Agency NPSA 24 oversubscription ratio 24 CIPS RBS 24 Versus Yen 24 CRR repo 24 pared bets 24 Hibors 24 John Morschel 24 midrate 24 Riki Polygenis 24 BANK Negara 24 JPKE 24 AUDNZD 24 Monetary Policy Report 24 USD ZAR 24 euribor 24 indexed swaps OIS 24 Banking Codes 24 MPC Monetary Policy 24 ECB Liikanen 24 Mervyn King 24 EBP 24 Cameron Clyne 24 Treasurer Wayne Swan 24 Credit Card Spending 24 Eurozone M3 24 inverted curve 24 FERNBACH 24 Rate setters 24 Swiss franc LIBOR 24 AVMS 24 spokeswoman Alpana Killawala 24 BoE Mervyn King 24 CB Consumer Confidence 24 kiwi aussie cross 24 polymer banknote 24 rate hikes 24 Zeti 24 inflation quickened 24 EUROPEN 24 BoJ Fukui 24 Abheek Barua 24 curve flattens 24 slowdown Governor Perng 24 Dollar tumbles 24 Brait economist Colen Garrow 24 FXMarketAlerts Team 24 CBBCBB 24 Index Swaps OIS 24 stimulatory 24 Tame inflation 24 QIS4 24 Mr Byett 24 CommSec economist Savanth Sebastian 24 BOJ Mizuno 24 Fiji RBF 24 Bheenick 24 CFLP 24 Reference Materials 24 Mr Rumbens 24 EUR HUF 24 Alan Oster 24 Nordvig 24 nextevolution 24 Paul Ferley assistant 24 EU8 +2 24 tighten monetary 24 Macroprudential 24 Matthew Circosta 24 Temenos T# 24 Central Counterparty CCP 24 Benanke 24 NZDUSD 24 John Kyriakopoulos 24 accommodative monetary 24 Ric Battelino 24 Felicity Emmett 24 Caxton FX 24 NZD AUD 24 Ms Ridout 24 Company Bispectral Index 24 Mr Norgate 24 Simon Rubinsohn RICS 24 economist Khoon Goh 24 Fonterra Cooperative Group 24 Helen Clark 24 economist Richard Jerram 24 Martin Gahbauer 24 Hugo Pienaar 24 IFAC 24 securities depositories 24 FOREX Euro slips 24 STEPHEN LONG 24 Forex Yen 24 homebuilder sentiment 24 Keeps Rate 24 Danmarks Nationalbank 24 gilt yields 24 eurokiwi 24 Commbank 24 QE lite 24 AUD NZD 24 Tony Morriss 24 downside risks 24 Tetangco 24 quantitative easing QE 24 quantitative easing 24 4bps 24 Helmi Arman 24 Governor Svein Gjedrem 24 Wocu TM 24 John Charcol 24 Subbarao 24 ABARE 24 Treasury yields 24 M3 24 Poland NBP 24 Governor Zdenek Tuma 24 Governor Yaga Venugopal Reddy 24 SunGard AvantGard 24 Financial Stability Report 24 hiked CRR 24 Martin Weale 24 BoN 24 GBP AUD 24 SuperDerivatives SD 24 ECB Wellink 24 MONETARY POLICY 24 Governor Donald Kohn 24 Lauren Rosborough senior 24 Central BankCentral Bank 24 EDA Consortium EDAC 24 strategist Danica 24 ratio RRR 23 BusinessPro 23 Asciano 23 ECB Noyer 23 Macfarlane 23 currency strategist Besa 23 NZSA 23 CHRIS RICHARDSON 23 Greg Ip 23 tradeables sector 23 RRR hike 23 MONEY MARKETS 23 Ceiops 23 OBR forecasts 23 Intraday EUR JPY 23 economist Helen Kevans 23 FORPOST 23 Richard Gilhooly 23 MONEY SUPPLY 23 normalize monetary 23 ECB Quaden 23 Governor Sada Reddy 23 noninflationary 23 Swiss SVME PMI 23 Emmanuel Ng 23 DGCXDGCX 23 Graham Kraehe 23 Quantitative easing QE 23 Besa Deda currency 23 Mr Combet 23 PSCE 23 EUR AUD 23 Sue Trinh 23 QIS5 23 RATE CUTS 23 Imre Speizer 23 ISM Manufacturing 23 SWIFT BIC 23 Valuation Standards 23 Ben Simpfendorfer 23 repegging 23 Forex Pound 23 Eurex Repo 23 WAYNE SWAN TREASURER 23 maker Andrew Sentance 23 Currency ETCs 23 ECB Provopoulos 23 Mr Eslake 23 Kyriakopoulos 23 Tranz Rail TRH 23 Canally 23 governor Savenaca Narube 23 GSJB Were 23 yield curve flattens 23 Aspect Bispectral Index 23 interbank 23 US#c [002] 23 AARMR 23 BOE Posen 23 Euribor fixings 23 Kristjan Kasikov currency 23 IMF Rato 23 dwelling commencements 23 Rory Robertson 23 PETER COSTELLO 23 economist Vicky Redwood 23 Ramya Suryanarayanan 23 Ralph Norris 23 Takahide Nagasaki chief 23 NZ 23 association Apacs 23 USD CHF 23 ESA# 23 METALS LME copper 23 deflationary pressures 23 Stephen Nickell 23 arch dove 23 Emirates Interbank Offered 23 CRR SLR 23 ECB Mersch 23 USD SGD 23 interbanking 23 Mr Franulovich 23 FEDERAL Treasurer Wayne 23 By ROBERT LOWE 23 Tony Norfield 23 electromagnetic flowmeter 23 Triple'A Plus 23 Thailand Governor Prasarn 23 USD MXN 23 Fonterra payout 23 Amit Kara 23 otc CHPA.PK news 23 governor Derick Latibeaudiere 23 CIPS Markit 23 FOREX Dollar climbs 23 SCSB 23 Mr Mozina 23 Garnaut 23 Mr Hartzer 23 Eaqub 23 Dawn Desjardins 23 Copom voted unanimously 23 SNB Hildebrand 23 Optial 23 IMIX 23 Mr Barbetti 23 Bernake 23 Fortinet UTM 23 de facto peg 23 Governor Malcolm Edey 23 Hatzius 23 Mr Dinte 23 Stanlib economist Kevin Lings 23 Mr Macfarlane 23 Europay MasterCard Visa 23 Sveriges Riksbank 23 Yasuhiro Onakado chief 23 monetary aggregates 23 Statutory Liquidity Ratio 23 ANZ Banking Group 23 ECB Rate Hike 23 Eric Lascelles 23 StatPro Composites 23 Sean Callow strategist 23 Interest Rates Steady 23 Koji Fukaya senior 23 TS Narayansami 23 ECB Governing Council 23 #.#/#.# [005] 23 commissioner Ma Jiantang 23 benchmark Selic lending 23 BOJ MOF 23 Hungary cenbank 23 CBEC 23 BECTA 23 Prior Wandesforde 23 ECB Tumpel Gugerell 23 Lindsay Tanner 23 cbank 23 Weekly Statistical Supplement 23 accomodative monetary policy 23 BABT 23 Wasilewska Trenkner 23 Mr Sekely 23 monetary easing 23 Qantas 23 economist Spiros Papadopoulos 23 interest.co.nz 23 CRE concentrations 23 FOREX Euro edges 23 governor Sada Reddy 23 Governor Burhanuddin Abdullah 23 gradual monetary tightening 23 multispeed recovery 23 Macroeconomic Review 23 economist Joseph Capurso 23 CCTM 23 RMB revaluation 23 maker Timothy Besley 23 inflationary expectations 23 Federal Reserve policymakers 23 Danica Hampton 23 Governor Prasarn Trairatvorakul 23 Professor Warwick McKibbin 23 US#.#/#c 23 Kim Choong Soo 23 Chairman Ben Bernanke 23 economist Annette Beacher 23 NOFP

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