The 10 Robust Healthcare Companies of 2022

EDITOR’S LETTER

The Change Agents!

HHello and welcome to our latest magazine issue, “The Top 10 Robust Healthcare Companies of 2022.”

“He who has health has hope; and he who has hope has everything.” – Thomas Carlyle

In our childhood, we all have heard the proverb “health is wealth” , but little do we understand the importance of good health till we grow up. Over the recent past, however, the picture is changing. People are becoming more aware of the importance of good health and are seeking newer, more effective ways of improving their health. The rapidly growing technological advancements in the recent past are of course helping the cause.

The dynamic change in the healthcare sector was the primary thing we noticed when we started planning for this magazine issue. The influence of technology on healthcare today has increased up to a level that we have found a cure to even some of the deadliest diseases. This rapid shift has increased the quality of patient care as well as induced a myriad of new opportunities for healthcare service providers.

When we were searching for the best companies in the healthcare sector, we noticed that one thing was common among all these companies i.e. they are all ready to embrace the change with a proactive approach. This proactive approach is evident in the strategies of Pharmanutra (the cover story of this magazine). The company was established in 2003 by Andrea Lacorte (Chairman) and Roberto Lacorte (Vice-Chairman) with an aim to develop unique food supplements and innovative medical devices.

Besides the cover story, the other companies featured in the magazine issue are also catering to the increasing demands in the healthcare sector with their cutting-edge services and solutions. They include the likes of Safely2Prosperity, BioViva, Jump to Health, Biovaxys Technology Corp., etc. These companies are standing out as the best in their particular niche as well as setting new benchmarks for other companies to follow.

The response you showed towards our previous magazine issues was overwhelming, to say the least. We hope you find this magazine issue as intriguing and compelling as the previous ones!

Happy Reading!

Utkarsh Deshpande Senior Editor

PharmaNutra

MIDLIFE UNRAVELLING

A GUIDE TO PCOS

MODERNIZINGTHEHEALTHCARE SECTORTHROUGHTECHNOLOGICAL INNOVATIONS

Roberto Lacorte Founder & CEO

Carlo Volpi COO & Board Member

Tarantino Chief Scientific Officer

Andrea Lacorte Founder & Chairman

The healthcare industry is one of the

fastest-evolving industries in the entire world. With the emergence of various advanced technologies, several new solutions and devices have been introduced that further accelerated the growth of the industry. One of the major contributors and most important sectors of the healthcare industry is the pharmaceutical industry. The pharma industry is responsible for developing supplements, medicines, healthcare devices, and vaccines, with the aim to eradicate critical diseases and improve the quality of life.

The pandemic has made everyone realize the importance of maintaining good health and a strong immune system. Nutritional supplements play a vital role in doing the same. Amid numerous nutritional supplement providers in the market today, PharmaNutra is key player that excels in providing nutritional supplements and innovative solutions for therapeutic purposes. The company not just follows but also anticipates new technological advancements and provides cutting-edge solutions accordingly.

Germano

A Robust Establishment

Established in 2003 by Andrea Lacorte (Chairman) and Roberto Lacorte (Vice Chairman), PharmaNutra develops unique food supplements and innovative medical devices. During the establishment of the company, Andrea worked on providing scientific solutions that could play an important role in the growth of the company whereas Roberto contributed towards the company’s development and strategic planning of the corporate structure.

The company was established with the aim to attain excellence in nutritional supplements. With consistent efforts and contribution of the team, PharmaNutra has established and achieved both scientific and commercial success. The corporate value of the company has been built through constant high investment in a proprietary structure and strategic assets including brands, patents, clinical trials, and raw materials.

Distinguished Services and Solutions

PharmaNutra works on providing therapeutic nutrition which is an important area of the food supplements market. The company develops world-class nutritional supplements with high bioavailability and greater gastrointestinal tolerability using its Sucrosomial® Technology. Its supplements include minerals such as iron, magnesium, zinc, selenium, and calcium. These nutritional supplements are complementary to all proprietary medicinal products and are used for specific nutritional disorders.

PharmaNutra operates on a small number of targeted specializations making it unique as compared to other companies dealing in nutritional supplements and medical devices. Moreover, stressing the importance of lipidology in the nutritional supplements and medical devices field, the company focuses its research on innovative patented raw materials of the highest quality. PharmaNutra has developed its two flagship brands – the SiderAL® iron-based nutritional supplements and the Cetilar® topical products for muscle and joint health–using unique scientific measures.

International development

PharmaNutra is present on foreign markets with a flexible and innovative business model, based on a consolidated network of top-class partners. The internationalization process began in 2013 and recorded constant growth ever since. Currently, the Group’s products are distributed in 61

countries in Europe, Asia, Africa and central-south America, through a network of 40 international pharmaceutical and nutraceutical companies. The distribution began with the SiderAL® line and has recently expanded with the introduction of the Cetilar® products. In 2021 oral Cetylated Fatty Acids (CFA) ingredient has been recognized as Generally Recognized As Safe (GRAS) which will enable the company to trade new CFA- based oral formulas in the US, thus considerably expanding its market for Cetilar® branded products, developed exclusively for topical use until now.

Sport commitment

Scientific

research, a key asset

A Team of Visionaries

PharmaNutra has gained immense growth and success due to the contribution and efforts of a team of talented individuals. It operates with the help and guidance of motivated visionary leaders and brothers, Andrea Lacorte and Roberto Lacorte. Being a certified public accountant, the CEO and co-founder of PharmaNutra, Roberto contributes to contract administration and long-term business development strategy concerning the investor market, equally contributing to the growth of the company.

“The history of this company and its rapid growth has always been marked by waves of innovation. Like the tide: specific phases, marked by extraordinary events and amazing moments” Roberto Lacorte, CEO and co-founder PharmaNutra.

The management team of PharmaNutra is completed by two other executive board members–COO Carlo Volpi, and CSO Germano Tarantino–who are eager to give their contribution to the company's growth. Responsible for maintaining a sound balance between long and short term interests of all stakeholders, Carlo manages the operations, supply chain, and international business. As regards the R&D area, research is a key asset for the company and it is directly overseen by the President Andrea Lacorte and carefully managed by the Chief Scientific Officer, Dr. Germano Tarantino.

Streamlined Operations

PharmaNutra’s operations are based on streamlined rapid processes enabling the company to meet the ever-changing needs and demands of its clients. These processes are individually monitored at every level of the Board enabling it to implement certain key decisions thereby maintaining the efficiency of operations. The agility and determination of a small/medium organization combined with the tools and vision of a large organization is the key factor that enables the company to face any challenge.

The Pandemic Effect

The onset of the COVID-19 pandemic severely impacted the business operations across the world. While several industries like travel and hospitality, supply chain, retail faced detrimental disruptions, industries like the healthcare boomed during the pandemic. Being a part of the healthcare industry, PharmaNutra was not at all impacted by the COVID-19 pandemic in terms of future growth and expansion. Instead, the pandemic enabled the company to

speed up its digital transformation and implement additional medical information systems. These systems enable the company to contact the medical profession in case of any emergency and also help to proceed in parallel with the traditional information processes.

To ensure workplace health and safety after the onset of the pandemic, PharmaNutra implemented various safety measures and guidelines that subsequently became mandatory legal requirements. Along with safeguarding its staff, the company also donated an unlimited supply of SiderAL® (Sucrosomial® Iron) and ApportAL® supplements to hospitals and intensive care units during the peak of the pandemic. This helped the medical workers to deal with the emergency.

Innovating the Future of Pharma Industry

The mission of PharmaNutra is to develop health solutions based on scientific innovation backed by clinical trials. With the increased importance of technology in recent years, it plans on constantly introducing scientific innovation to the market. It works on providing solutions to benefit the health of the people by focusing intensely on scientific research. Since the company works with and draws its strength from patents, these innovations will have a great impact on society in terms of well-being and the quality of therapies and co-therapies.

“Scientific intuition, courage and determination, are the ingredients of great projects and great stories, durable success and new discoveries need continuous investment in research and development” states Andrea Lacorte, Founder and Chairman of PharmaNutra.

PharmaNutra further plans to explore other areas along with an increased focus on investing and conducting research. Primarily, the company will focus on the production of new molecules that is still difficult to apply in specific therapies and treatments. It also plans to increase its focus and use its wealth and value to explore other similar areas. Stock performance (data as of 30/09/2021)

Aker BioMarine

Management- Matts Johansen (CEO)

URL- www.akerbiomarine.com

Founded- 2002

Description- Aker BioMarine is a biotech innovator and Antarctic krill-harvesting company, dedicated to improving human and planetary health. It develops krill-based ingredients for nutraceutical, aquaculture, and animal feed applications.

BioVaxys Technology Corp

Management- James Passin (Founder and CEO)

URL- www.biovaxys.com

Founded- 2018

Description- BioVaxys is a clinical-stage immunotherapy company that develops novel approaches to harness T cells to treat cancer and to detect and prevent emerging infectious diseases.

BioViva

Management- Elizabeth Parrish (CEO)

URL- www.bioviva-science.com

Founded- 2015

Description- BioViva is dedicated to improving healthy human longevity by leveraging gene therapy for longer and healthier lifespans. It is developing cutting-edge gene therapies for revolutionizing people’s lives.

Colorado Access

Management- Marshall Thomas (President and CEO)

URL- www.coaccess.com

Founded- 1994

Description- Colorado Access is a local, nonprofit health plan that serves members throughout Colorado. It has been on a mission since 1994 to partner with communities and empower people through access to quality, affordable care.

Brightline

Management- Naomi Allen (CEO and Co-founder)

URL- www.hellobrightline.com

Founded- 2019

Description- Brightline is a med-tech company that provides behavioral healthcare services for children and their families.

Compassion & Choices

Management- Kim Callinan (President and CEO)

URL- www.compassionandchoices.com

Founded- 1980

Description- Compassion & Choice is an organization dedicated to improving care, expanding options and empowering everyone to chart their end-of-life journey

Jump To Health

Management- Audrey Sommerfeld (Co-founder and CEO)

URL- www.jumptohealth.com/Home/

Founded- 2018

Description- Jump To Health helps educate and provide simple solutions to health challenges that can be improved with good nutrition. It offers meal plans and information for every lifestyle.

Neuropathix

Management- Dean Petkanas (CEO)

URL- www.neuropathix.com

Founded- NA

Description- Neuropathix is a biopharmaceutical company focused on the research and development of a pipeline pain management therapeutics.

Pharmanutra

Management- Andrea Lacorte (Chairman) & Roberto Lacorte (Vice Chairman)

URL- www.pharmanutra.it/en/

Founded- 2003

Description- Pharmanutra develops unique food supplements and innovative medical devices. It works on providing therapeutic nutrition which is an important area of the food supplements market.

Safely2Prosperity

Management- John Norris JD, MBA (CEO)

URL- www.safely2prosperity.com

Founded- 2018

Description- Safely2Prosperity is a health and healthcare risk-management software company that prevents and manages infectious diseases.

Elizabeth Parrish

CEO

BIOVIVA USA INC.

REVOLUTIONIZING GENE THERAPY TO SUCCESSFULLY ADDRESS AGING

TThe process of aging, previously regarded as a natural untreatable condition, has been recognized as a biological process which is malleable. At the cellular level, aging causes the accumulation of a wide variety of molecular damage, called the hallmarks of aging, that increase over time. In the present scenario, gene therapy has emerged as a promising and effective treatment option for a wide range of ailments, including aging. Gene therapy has successfully shown impactful results in reversing the processes of aging in model organisms.

Currently, several companies are harnessing the potentials of gene therapy in seeking cures to successfully reversing the process of aging. One such company that is completely tapping the potentials of gene therapy is . BioViva USA Inc BioViva is dedicated to improving healthy human longevity by leveraging gene therapy for longer and healthier lifespans. Moreover, the company is developing cuttingedge gene therapies for revolutionizing people’s lives.

Venturing on a Promising Path

Established in 2015, BioViva is the brainchild of Elizabeth Parrish . A leading voice for genetic cures and spokesperson for the life sciences, Parrish is a strong proponent of progress and education for the advancement of regenerative medicine and based her MBA thesis around medical regulations.

After her son was diagnosed with Type 1 diabetes, she realized that several promising treatments were not being made available to those who needed them most. In 2015, she received the first dual gene therapy to address biological aging—thereby paving way for the beginning of the genetic revolution and the launch of BioViva. Currently, Parrish is spearheading the company as the and has CEO been contributing to BioViva's profound success.

Gene Therapy Against the Root Causes of Aging

BioViva is utilizing the latest machine learning algorithms to formulate hypotheses and validate findings, thereby paving the way for optimal combinatorial regimens addressing the root causes of the aging process. The company’s mission is to use gene therapy to address the deleterious changes to human cells and to eventually persuade the FDA that it is time to move from a precautionary approach to a proactive one. BioViva is currently using their proprietary platform-the BioKeeper™to analyze the results from cutting-edge gene therapy trials on humans.

Delivering the Mission and the Vision

BioViva aims to shorten the duration between successful animal studies and the patients that desperately need them. Working with human medical studies allows the company to validate therapies that work and plan their launch into the regulatory system. The company captures both traditional biomarkers and aging associated biomarkers that are not found in typical trials. Meanwhile, they talk with clinicians to ensure necessary precautions are taken. The actual therapies—currently not on offer in the USA—are accessible by first-rate clinics and medical personnel. The teams work together to ensure the highest ethical standards as well as accurate data management is maintained to help improve gene therapy as a whole.

BioViva is committed to:

● Creating the most robust gene therapies to treat biological aging

● Bridging the stakeholders with biotechnology

● Facilitating the development of treatments and therapeutics through the BioViva platform

● Creating an open-sourced database, designed to be readily browsable by longevity researchers.

● Accelerating the path to human trials for life-saving gene therapies.

● Creating accessibility between biotechnology companies, medical researchers, and patients, thereby expediting research and development.

Operated by Committed Individuals

The team of BioViva is led and guided by Parrish. Comprised of diverse and dedicated individuals, the team understands the impact of its work and is given the freedom to be creative. Moreover, the team works on a flexible schedule that fits their lifestyles, while meeting the needs of clients and the scientific rigor demanded for the endeavor.

BioViva fosters the notion that an innovative company is not dependent on mainstream thinking. Hence, it attracts ‘out-of-the-box’ thinking styles while welcoming a variety of personalities. “ Feedback is essential, we don't look for my ideal perfection, we look for alignment on a goal and unique insight on how to reach it. The future is for everyone, all groups need to be represented ,” states Parrish.

Evaluating Crisis and Incorporating Strategies

The COVID-19 pandemic highlighted the importance of treating the elderly not only against individual conditions in a palliative manner, but also against aging in a proactive one-as aging weakens the immune system. Enunciating the overriding need, Parrish adds, “ Treating aging has the potential to directly address the immune system and could reduce the risk of severe complications from infectious diseases .”

The COVID-19 pandemic heavily impacted the functioning and operations of every industry. To ensure safety, BioViva allowed all its employees to work from home to stay safe while maintaining their normal workflow. The company's laboratory team also worked with a reduced staff. With respect to the importance of remote working, Parrish believes working from home allows people to work at their own pace and often leads to better customer service.

Patent-Pending Technology

BioViva’s patent-pending technology strives to revolutionize gene therapy delivery. The company’s bioinformatics platform aims to contribute to health predictions and recommendations, precision medicine, and the discovery of novel biomarkers.

The company is currently developing better gene therapy vectors for more nuanced treatments of the processes of aging. Its first research project was highly successful—it extended the healthy lifespan of a mouse by 41%. A promising venture, BioViva looks forward to offering it to aging humans as soon as possible.

Brief Note on Future of Healthcare

Analyzing the growth of the healthcare industry, Parrish believes the healthcare industry has not matched the advances in medical technology. She further adds that therapies will increasingly focus on the cell and less on the symptoms. In addition, the role of AI will increase owing to the huge amount of data becoming available.

Parrish adds that medicine will become more precise and personalized as patients gain greater access to information about their own bodies formerly reserved for their physicians. Moreover, data analysis will make earlier diagnosis possible and therefore therapies will be more successful. “ We will move away from “sick care” and towards preventive medicine ,” she concludes.

“Treating aging at the cellular level will lead to a healthier, more productive, and happier world. BioViva is leading the way.”

The Chronicles of Midlife Unravelling Foretold!

If your perfectly tranquil Sunday afternoon has ever been ruined by comprehensive midlife unraveling, you are not alone.

Aging and midlife crisis goes hand-in-hand. Being

in the late 40s or early 50s does not only imply the accelerating mechanism of aging but the psychologically induced occasional midlife crisis that comes along simultaneously.

Midlife crisis stems from the strive to share insights based on the diverse parameters used to scrutinize people around us. We, as independent bodies of society, share insights based on diverse experiences with or without stigma. As people tend to age, they begin to retrospect the ‘best years’ of their lives that are left behind as they transcend into the other sphere of life. As the evergreen mounts of midlife begin to unravel, people are left with no choices but to move forward and contemplate. And sometimes there is nothing much to look forward to but long, unhappening days knitted with a (seemingly) purposeless existence-all leading to the slow decline of the body as well as the mind.

The Two Halves of Life

Famous philosopher Carl Jung once quoted, “One cannot live the afternoon of life according to the program of life's morning; for what was great in the morning will be of little importance in the evening, and what in the morning was

true will at evening have become a lie.” It was in 1931 that Jung proposed the notion of 'the two halves of life' that suggests a concept which goes deeper than our level of comprehension.

Apparently, humans spend the first half of their lives chasing and accomplishing their dreams and live through the second half apprehending the purpose of their existence. The grey line that segregates the two halves is the seasonal existentialism that comes knocking at our doorsteps without any prior notice.

Jung’s notion of ‘the two halves of life’ came much before the popular physician and psychoanalyst Elliot Jaques coined a terminology to the phrase. Jaques put forth the term ‘midlife crisis ’ (that was later found out to be semiautobiographical) in 1965 after noticing significant changes in one of his middle-aged clients. His article on the topic (published when Jacques himself was in his late 40s) also covered his awareness of his own limitations and mortality. As per Jacques's philosophy, the midlife crisis induces depressive feelings, anguish and loss related to the approaching end of life. He also established that it often involved a loss of creativity and confidence.

In layman’s language, midlife crisis is a ‘phase’ where people could be expected to undergo a depressive period of several days, months or years during their midlife. Midlife Crisis begins with a period of ‘soul-seeking’, followed by existential concerns and then coming to terms with the realization that life has taken a different shape. Thus begins the journey to being on the brink of the much-dreaded midlife crisis. The various shifts that follow this new phase in life can result in some complex emotions.

Midlife-(Not) Aging Like Fine Wine

According to Jonathan Rauch, “Midlife is, for many people, a time of recalibration, when they begin to evaluate their lives less in terms of social competition and more in terms of social connectedness.”

Midlife is a combination of sadness and powerlessness, blended with hopelessness. Fortunately, the notion that “this is all there is” can give way to “life isn't at all bad” as more middle-aged people embrace what can be a fulfilling period in their lives. Middle-aged people often undergo significant changes in their relationships, jobs, health and their appearance. New roles and responsibilities, not to mention changes in career, family life, and health, can create a perception of middle age before reaching that momentous birthday: the big 4-0.

Feelings of existential are very common in individuals hailing from any age group, however, but only about 10 to 20 percent of people actually face some kind of crisis in middle age. Experts mostly consider the “midlife crisis” a cultural phenomenon, a Western myth fueled by tired media tropes. Midlife Crisis is not just another instance of midlife existentialism. There is more than what meets the eye. Following are some signs and symptoms of midlife crisis:

●Engaging in high-consequence activities, including gambling, affairs, and substance use

●Making significant life changes (career, relationships, material possessions, to name a few)

●Irritability, agitation, outbursts, spontaneity, and isolation

●Placing a newfound focus on health and appearance

●Feeling of competitiveness

●Changes in eating and sleeping patterns

The Professional Nadir

In 2008, the economists David Blanchflower and Andrew Oswald found that self-reported life satisfaction takes the form of a gently curving U, beginning high in youth,

bottoming out in our mid-40s, and then recovering as we get older. The pattern is robust around the world, affecting both men and women. And it persists when we correct for other variables, such as parenthood.

Professional midlife crisis is a common phenomenonparticularly for people working with stagnant career livesand a common experience with leaders. Leaders are entrusted with high-performing roles and responsibilities of leading, making lasting and impactful changes, and ensuring consistent success. While helping the world navigate through reckless changes, leaders also channelize through the rapid changes occurring in their individual lives. The abrupt realization of not being the smartest person in the room, using reading glasses, struggling with maintaining fitness pace, and many more, can be existentially agonizing. The disappointment, disillusion, pessimism and despair can be crushing.

Executive Midlife Unravelling

Midlife crisis can become a daunting task. The absence of previously ushering adrenaline and the loud cheers during maximized accomplishments can induce consistency and help steer away motivation in life.

Jumping into action and making dramatic life or career changes that haven’t been properly planned can do more harm than good. There are various ways for an optimum midlife unravelling and a smart navigation through it to brighter days. Following are 5 ways that can help with navigating midlife crisis:

● Connecting with your higher self

A midlife crisis begins with questioning the purpose of life, existence and actions. If you feel like questioning the meaning and purpose of everything, take a deep sigh and connect with your higher self, while resonating with your beliefs and long-term passion. Formulating a positive vision and introspecing it will help analyze the current situation in a better manner.

● Exploring various realms

Prolonged monotony can contribute to dissatisfaction with life and work. If you feel imprisoned in a spirraling cage, try inculcating a new activity or exploring a new genre. The desire to learn new things or reengage with old passions emerges and joy seems to reappear from nowhere. Exploring various segments and areas will help accentuate

professional as well as personal life.

● Channelizing Inner Emotions

Midlife crisis gives rise to various complicated emotions. Hence, writing down your emotions and being vocal about inner thoughts can help navigate your emotions. This also helps clarify the origin of these emotions and learn whether they are within your control or not. Then, reality-check your answers. Often, we have a couple of facts, and we create a whole story around them.

● Burning Bright Burning Out

Burnout and exhaustion are the typical symptoms and sideeffects of a midlife crisis. Hence, it is wiseable to seek healthy lifestyle habits and be mindful of your regular activities. Adopting healthy eating habits, sleep patterns, and other forms of lifestyle choices can help reverberate good vibes and energy.

● Seeking Inspiration

Habitually repeating safe and reliable processes over the years is a common trap for professionals, leading to a lack of inspiration. Reconnecting to the higher purpose of the work is the first step to seeking intact enthusiasm.

The Ultimate Midlife Unravelling

Midlife Unravelling is the beautiful version of the saying “get yourself together” through every passing second of a midlife crisis. Everyone undergoes a transitional phase of stress and existentialism at some point in their lives-both personally and professionally. It is a part of life that we can steer through with a little guidance and determination. But when the bad times seem never-ending and you are continuously filled with doubts and disappointment, it might be a ‘crisis’.

People spend most of their lives pursuing perfection, expertise and experience, while simultaneously craving for comfort, self-expressive benefits and emotional security. They do not fancy uncertainty and self-doubts, a common companion during the beginner phase. People adore the adrenalin rush that ushers them through every accomplishment and they despise stagnancy. Hence, they seldom acknowledge or even attribute the benefits of reengineering their innovative selves and focus on personal innovation.

“A crisis of any kind can seem as an invincible hurdle, but with the right strategies in mind, you can come out with ying colors and an upgraded version of yourself.”

TECHNOLOGY CORP.

THRiViNG WiTH NOVEL IMMUNOTHERAPY PLATFORM

JAMES PASSiN Founder & Chief Executive Officer

With the development of checkpoint

inhibitors, monoclonal antibodies, CAR-T cells, and cancer vaccines, immunotherapy has emerged as one of the most advanced treatment areas. Immunotherapeutics will be a driver in the next wave of treatment solutions, and one of the leading companies that is working to develop immunotherapybased vaccines and treatments is BioVaxys.

The Next Wave of Immunotherapeutics

BioVaxys was founded in 2018 around a novel oncology platform based on the scientifically established concept of immune system activation by haptenization of tumor antigens. The platform, developed by clinical oncologist and BioVaxys Chief Medical Officer David Berd, M.D., while at Thomas Jefferson University, yielded proven ‘first-generation’ vaccines with extensive Phase I and Phase II clinical data in over 660 melanoma and ovarian cancer patients. BioVaxys leveraged this firstgeneration technology platform to create the next generation of more advanced tumor vaccines which form the core of its product portfolio. In 2020, the company was acquired by Lions Bay Mining Corp. and subsequently became BioVaxys Technology Corp. (CSE: BIOV) (FRA: 5LB) (OTCQB: BVAXF).

Haptenized Protein Platform

BioVaxys is a clinical-stage immunotherapy company that develops novel approaches to harness T cells to treat cancer and to detect and prevent emerging infectious diseases. Its haptenized protein platform flags tumor cells or viral proteins for destruction by the immune system. The platform also offers broad applications to create precision immunotherapies in oncology for a range of tumor types as well as novel vaccines and diagnostics for emerging viral diseases, such as coronaviruses. BioVaxys has three lead programs:

Ÿ BVX-0918: An immunotherapeutic vaccine for ovarian cancer entering phase I in the EU

Ÿ BVX-0320: A highly promising vaccine for SARS-CoV-2

Ÿ CoviDTH©: A potential game-changing and rapid, lowcost, accurate COVID-19 diagnostic measuring T cell immunity using delayed-type hypersensitivity (DTH)

Currently, there are no viable therapeutic options for treating the later stages of ovarian cancer and it is difficult to diagnose at an early and treatable stage. BioVaxys’ solution to this unmet need is the development of BVX0918, a potential vaccine for treating refractory Stage III and Stage IV ovarian cancer. A significant number of patients who are diagnosed with ovarian cancer are Stage III or Stage IV, the target population for BVX-0918.

SARS-CoV-2 S-Spike Protein Vaccine and Screening

The emergency crisis of the COVID-19 pandemic compelled many healthcare companies to explore potential solutions. During the early stages of the pandemic, much discussion focused on the need to generate an antibody response to the SARS-CoV-2 spike protein. Since then, one conclusion from the scientific community is the critical importance of stimulating long-term, persistent, SARSCoV-2 specific T-cell immune responses while neutralizing antibodies are observed to decay post-vaccination. BioVaxys’ response has been twofold: 1) leveraging its haptenized protein platform to develop a haptenized SARSCoV-2 S-spike protein vaccine and 2) the development of CoviDTH©, a low-cost screening tool.

BioVaxys recently discovered that BVX-0320 activated CD4+ helper T cells and CD8+ killer T cells that express the activation markers, CD69 and CD25. This result indicated that immunization with BVX-0320 stimulates immune system memory ‘helper’ T-cells and killer T cells. CD4+ T-cells are crucial in achieving a regulated, effective

KENNETH KOVAN

Founder, President and Chief Operating Officer

immune response to viral pathogens and are central to adaptive immune responses. Generated following an immune response, memory ‘helper’ CD4+ T-cells retain information about the virus, which enables them to respond rapidly after viral exposure. CD8+ T cells can kill cells infected by the virus, thereby stopping viral replication in those cells. The Company also recently announced a major sponsored research collaboration with The Ohio State University that will further leverage BioVaxys’ haptenized viral antigen platform technology to help create a universal pan-sarbecovirus vaccine that could potentially prevent additional emergent variants.

Current tests of immunity to SARS-CoV-2 detect antibody response. However, T cell-mediated immunity is equally or more important, with persistence that can last for years, while antibody response wanes in months.CoviDTH© is a low-cost, disposable, point-of-care screening tool that administers a purified, recombinant, non-infective SARSCoV-2 S spike protein under the skin and produces a delayed-type hypersensitivity (DTH) reaction within hours. The DTH reaction, a slight redness of the skin, can determine the presence of T cells that produce immunity against SARS-CoV-2.

A Team of Dedicated Professionals

The founders and the senior management team of BioVaxys possess decades of experience in clinical oncology, medical research, private equity, and biopharma commercial development. Included in their collective backgrounds, the BioVaxys team has antiviral and anticancer therapeutics development and commercialization experience. This includes being instrumental in founding, funding, and operating multiple life science companies in these fields.

Every member of the BioVaxys team is equally involved in strategic decision-making and R&D planning. Additionally, the company has recently expanded its team to include top talent in the regulatory, CMC, and bio-manufacturing fields, as well as a world-class scientific advisory team of virologists, clinical oncologists, and immunologists.

Every member of BioVaxys is focused on the common goal of developing life-saving therapeutics and diagnostics, with the team working to deliver solutions for patients with advanced refractory ovarian cancer and the global population that needs protection from SARS-CoV-2, its emerging variants, and other sarbecoviruses.

Future of the Healthcare Industry

COVID-19 was a major awakening for unprepared and complacent world governments, healthcare practitioners, and the global population. It is a universal fact that the existing viruses can and will mutate into unknown genetic combinations. Also, there might be an emergence of other new diseases or pandemics in the future due to air travel, population growth, and increased close contact with animal vectors. Striving to combat these adversities, BioVaxys aims to be prepared for such emergencies through its ongoing development of therapeutic and diagnostic solutions.

“All of us–biopharma, politicians, academia and society, must continue our work in the eld, even if we are able to eradicate SARSCoV-2.”

JUMP TO HEALTH™

FAST, HEALTHY RESULTS WITH NEW YOU IN 22 HEALTH PROGRAM

Audrey Sommerfeld FOUNDER & CEO

Today, the concept of healthcare has changed to

understanding lifestyle. This changed concept has definitely impacted our overall well-being. As a result, there is an increased demand in learning about nutrition that includes tips and tools for the prevention of diseases and improvement of lifestyle. This paradigm shift toward lifestyle has resulted in the emergence of various healthcare companies that are educating people on health and nutrition.

Striving to create a better living for people, Jump To Health™ helps educate and provide simple solutions to health challenges that can be improved with good nutrition. After sensing a gap in the marketplace, the company’s team decided to continue its mission of helping people learn, grow, and live healthily. It did not prefer working for companies where employees and customers were not valued or respected. These factors paved way for the establishment of Jump To Health. The company is formulated with a product line for helping people with common health issues such as blood sugar, weight, gut health and others, through education, meal plans, natural products, and tools.

Comprehensive Healthcare Plans

Jump To Health™ offers meal plans and information for every lifestyle-vegan or vegetarian, blood sugar management, and others. Its simple ‘New You In 22’ program, and the “Power of 2” program has been designed to help people detox from sugars, chemicals, and get healthier with a simple plan for those who do not want to worry about what they can eat or weigh and measure. The company offers more education and information as well as a supportive community that helps encourage others for continuing on their health journey. It also rewards people with various gifts, for building fun and a community.

Jump To Health™ stands out with the following exclusivities:

Natural products with better taste and higher quality

Ÿ ingredients to deliver results at better prices. These also help with muscle-building power, better blood sugar control, gut health, and mood; Meals and recipes the whole family can enjoy, most in Ÿ under 30 minutes;

Result-Oriented Impacts such as better sleep, A1C, Ÿ blood pressure, weight and many more; Science-backed and Nutritionist created products,

Ÿ meal plans, recipes;

Plethora of free product opportunities and programs

Ÿ such as 3 for Free program, Customer Give $10 Get $10 program, and Customer Loyalty program, which allows earning free products or cash for being a member;

Ÿ entertainment, and much more;

Various Membership perks – including travel,

‘Walk To Give’ program through which people could

Ÿ walk and upload their steps, and those steps further add up to donations to Feeding America;

Ÿ and healthy results. It helps people detox from sugars and chemicals hidden in foods, reset their metabolism, boost healthy stem cells, and lose weight while eating delicious foods and meals.

The innovative ‘New You In 22’ helps people attain fast

At the helm of the company, Audrey Sommerfeld ( Cofounder and CEO) spearheads the team of Jump To Health™. While surpassing busy days and other challenges such as the ones induced by the pandemic, Audrey centralizes her focus on customers and the team. Meanwhile, she also ensures conducting discussions on several aspects with the management team. These include how to serve better, create a great experience, and many more. “From inventory to shipping, ordering and websites, education and tools to recipes and reporting-every day is busy, and a joy to know we are building a great company, a great future,” adds Audrey.

The team of Jump To Health™ stands out with the profuse and vast experience of its members. According to Audrey, “Our team has worked together, in other companies, and built them to success before.” She further adds that the company's nutrition team is renowned for creating formulas globally that changed millions of lives. Additionally, its management team has worked together and respected and challenged each other to do more always.

Robust Leader at the Core

COVID Management

The COVID-19 pandemic had a striking effect on the functioning and operations of the healthcare industry. However, Jump To Health™ stepped up its training and education on things people can do to boost their immune health and defend their health. Its products naturally boost the probiotics in the gut-helping the gut-brain axis, a new and emerging area of health care.

Like several companies during the pandemic, Jump To Health™ used a series of ways to reach out and connect. It maintained communications more frequently to cater to the customers’ needs and answered their wants at the earliest possible hour through zoom meetings, webinars, phone calls and others. The company further stepped up its commitments to its manufacturing partners to keep inventory in stock. With the restoration of COVID restrictions, Jump To Health is resuming in-person meetings.

Expansive Future Envisions

Jump To Health's first goal is to continue expanding the ‘New You In 2022’ and introducing the program to more people. It aspires to become global and include several new products and services in its arsenal of formulas. The company is also planning on expanding its education programs by offering more programs on nutrition and some on personal development. Jump To Health will also expand into financial education and other areas to help people live their best life. “Our goal is not to be just a great product company, but a great lifestyle company,” asserts Audrey.

In the next few years, Audrey envisions more customization and personalization in the way people care for their bodies and lifestyles. Everyone has their unique need for better health, wealth, living, and giving. Jump To Health plans to continue building its programs to meet the diverse needs of its consumers. She further anticipates changes in dosing of medications, the return of nutrition education in schools, along with more training to the healthcare workers. “I am hoping that we see more and more approaches to holistic health, and that Jump To Health™ can play a big role in that change,” concludes Audrey.

“

“We

hope that with our focus on education, giving back, and exciting savings we show that we are more than a product company, we are a movement to change the world to a better way of living.”

ALL YOU NEED TO KNOW ABOUT

POLYCYSTIC OVARIAN SYNDROME (PCOS)

What does Polycystic Ovarian Syndrome (PCOS) mean?

Polycystic Ovarian Syndrome (PCOS) is a hormonal disorder prevalent amongst women of reproductive age. Women with PCOS may have infrequent or delayed menstrual periods or excess male hormone (androgen) levels. The ovaries may evolve many small collections of fluid (follicles) and fail to routinely release eggs.

The exact cause of PCOS is still not known. Early treatment and diagnosis along with weight loss may lower the risk of long-term complexities such as heart diseases and type-2 diabetes.

Common signs and symptoms of Polycystic Ovarian Syndrome (PCOS)

1. Menstrual complications: PCOS leads to amenorrhea (complete absence of monthly period cycles), oligomenorrhea (less than the normal number of monthly cycles), and both types of complications may occur with the same woman.

2. High level of masculine hormones (hyperandrogenism): Familiar signs are acne, hirsutism (male pattern of hair growth on chin or chest), hypermenorrhea, androgenic alopecia (diffused hair loss or hair thinning), and hyperandrogenemia.

3. Metabolic disorder: It emerges as a tendency towards central obesity and other symptoms correlated with insulin resistance, tripled appetite, and an inclination towards junk foods such as chips, burgers, pizza, fries, etc.

Other familiar symptoms consist of skin tags, oily skin, acne, dandruff, pelvic pain, hair loss, male pattern balding, high levels of triglycerides in the blood, and infertility.

Causes of Polycystic Ovarian Syndrome (PCOS)

The specific cause of PCOS isn't yet known. Factors that might play a role in the same include:

1. Low-grade inflammation: This term is used to depict white blood cells' production of substances to resist infection. Women with PCOS have a type of low-grade inflammation that prompts polycystic ovaries to make androgens, which can lead to heart and blood vessel complications.

2. Heredity: Doctors indicate that certain genes might be associated with PCOS.

3. Excess androgen: The ovaries form abnormally high levels of androgen, which results in hirsutism and acne.

4. Inordinate insulin: Insulin is a hormone formed in the pancreas that permits cells to use sugar, your body's prime energy supply. If your cells become resistant to the reaction of insulin, then your blood sugar levels can surge and your body might form more insulin.

Complications faced in Polycystic Ovarian Syndrome (PCOS)

1. Pregnancy-induced high blood pressure or Gestational diabetes.

2. Serious liver inflammation is known as

Nonalcoholic steatohepatitis induced by fat accumulation in the liver.

3. Metabolic syndrome: A chunk of conditions incorporating high blood sugar, high blood pressure, and unnatural cholesterol or triglyceride levels that significantly increase your risk of cardiovascular disease

4. Type 2 diabetes or prediabetes

5. Premature birth or Miscarriage

6. Anxiety, Depression, and eating disorders

7. Abnormal uterine bleeding

8. Sleep apnea

9. Infertility

10. Endometrial cancer(cancer of the uterine lining)

11. Obesity is correlated with PCOS and can aggravate the complexities of the disorder.

The primary treatment focuses on reforming lifestyle and eating habits.

Aims of treatment can be classified as follows:

1. Reducing the insulin resistance level

2. Reclamation of monthly cycles and normal reproductive activity.

3. Prevention of endometrial hyperplasia

4. Cure of acne and hirsutism

5. Rehabilitation of fertility

6. Prevention of endometrial hyperplasia

7. To lower the risk elements of endometrial cancer

There is still no precise and guaranteed cure or treatment

for PCOS. But a balanced diet, weight loss, yoga, and exercise can make the symptoms better.

1. You Did Something to Cause It

As the specific cause of PCOS is still unknown, one thing is sure that you are not to blame. However, considerable factors consisting of genetics are generally believed to play a role.

Male hormones (Androgens) control the development of male traits. Although all women produce a small volume of androgen, women with PCOS have more androgen as compared to normal women. This can restrict ovulation and make it troublesome to have regular menstrual cycles. The follicles develop and build up fluid, but the eggs don't get released. Hence, Ovulation does not occur, and the follicles might convert into cysts. If this happens, your body might fail to make the progesterone hormone, which is required to maintain your proper cycle.

Hormone insulin may play a major part in the body's increased androgen formation. Several women facing PCOS have insulin resistance. This is more natural in women who are obese or overweight, have an unhealthy diet plan and no exercise habits, or have a type-2 diabetes family history.

2. Only Overweight Women face complications of PCOS

It is accepted that several women who have PCOS are

Treatment for Polycystic Ovarian Syndrome (PCOS)

Myths about Polycystic Ovarian Syndrome (PCOS)

obese or overweight and it's also correct that obesity can make PCOS symptoms adverse. However, PCOS does not segregate and can affect women of all sizes and shapes. The connection between PCOS and weight has to do with the body's inefficiency to use insulin properly, leading to weight gain.

That's why adopting the habit of eating healthy and exercising frequently is prescribed as part of most women's treatment plan.

3. PCOS is a Rare Condition

It is examined that between five to ten percent of women of childbearing age are suffering from PCOS, which makes PCOS one of the most usual hormonal endocrine disorders amongst women of reproductive age. According to the PCOS Foundation, less than half of all women with PCOS are diagnosed accurately, which means that millions of women are probably unaware of their condition.

The PCOS Foundation evaluates that this condition is the cause of fertility problems in women who have difficulty with ovulation over 70 percent of the time.

4. If You Lose Weight, You Can Get Rid of PCOS

Unluckily, there is no accurate cure for PCOS, but obese and overweight women can help stabilize their hormone levels by dropping weight. Otherwise, treatment for PCOS is focused on managing symptoms. A wide spectrum of treatment options can help prevent any potential problems.

Changes in lifestyle, such as regular exercise and healthy eating, reform the way your body utilizes insulin and, thus, regulates your hormone levels better.

Fertility medicines also can help prompt ovulation if you are planning to get pregnant. In a few cases, that may be sufficient to spur the process for women with a lack of ovulation.

A surgical procedure recognized as ovarian drilling can also broaden your chances of successful ovulation. While the operation can lower your androgen levels for a limited time, it does pose the risk of developing scar tissue.

By disconnecting fact from myth, you can empower yourself to live a complete, healthy, and happy life with PCOS.

Are both of these same? Many women use both, PCOS (Poly Cystic Ovarian Syndrome) and PCOD (Poly Cystic Ovarian Disease) interchangeably where both are very contrasting conditions. While both the situations are associated with the ovaries and both create hormonal disturbances, there are many compelling differences.

What is PCOD?

PCOD is a condition where the ovaries hold many partially

PCOS (Poly Cystic Ovarian Syndrome) vs PCOD (Poly Cystic Ovarian Disease)

mature or immature eggs. They, ultimately, convert into cysts. Being overweight, stressing a lot, consuming excessive junk food and hormonal disturbances give birth to this condition. Natural symptoms of PCOD are abnormal periods, infertility, abdominal weight gain, and male pattern hair loss. The ovaries commonly become swollen in this problem and secrete large amounts of androgens that create havoc with the woman's fertility and her body.

What is PCOS?

PCOS is a metabolic disturbance that is more complicated than PCOD. In this condition, the ovaries develop a larger quantity of the male hormone, which leads to the formation of more than ten follicular cysts in the ovary every month. This breaks the release of the egg causing anovulation. Symptoms consist of obesity, hair loss, and infertility.

How Are They Different?

1. PCOS is a complicated condition. It is a metabolic disorder. PCOD is not been studied as a disease, with regular exercise and the right diet, the situation recovers.

2. PCOS has a less number of patients compared to PCOD. PCOD is more prevalent. Almost a third of the women across the world suffer from PCOD.

3. PCOS has severe complications. Women who suffer from PCOS are at risk of developing

diseases like cardiac-vascular issues, diabetes, obesity, high blood pressure, and even endometrial cancer.

4. PCOS is noticeable early in life. Girls who suffer from PCOS start showing symptoms of the disease from their teenage years. Excessive hair growth, acne, and weight gain are apparent from a younger age because of metabolic disturbances.

5. Women suffering from PCOD don't have compelling fertility issues. With a little medical assistance, they can conceive successfully. Women suffering from PCOS, on the other hand, face complexities with infertility. They even have higher chances of miscarriages.

6. Women with PCOD can still ovulate in a routine. They may have identical symptoms as PCOS, but they retain the strength to ovulate periodically and therefore, can conceive successfully. However, women with PCOS do not ovulate because of a serious hormonal imbalance that disturbs the ovulation process.

In both cases, i.e., PCOD vs PCOS, taking a healthy diet that is free of processed and junk food, losing weight, and engaging in regular exercise, can show incredible improvements. It is imperative to catch the disease as early as possible to handle the damage with proper medication and lifestyle changes. If you are facing irregular periods, excessive facial hair growth, or acne it is advised to get yourself checked.

Safely2Prosperity

Enhancing US and Worldwide Health and Healthcare RiskManagement Approaches through Innovative Solutions

John Norris JD, MBA CEO

Technological innovations and the implementation of

modern health and healthcare-related devices have significantly impacted and accelerated the growth of the employee and family member interest in workplace safety. This interest has grown exponentially during the COVID-19 pandemic.

Accordingly, the health and healthcare risk-management IT industry has increased its focus on scientific research and innovation, especially in the infectious disease riskmanagement category. Furthermore, innovators have developed and implemented several new industry techniques to deal more effectively with this pandemic and similar future emergencies.

These techniques have helped several health and healthcare-related risk-management IT industry organizations to better deal with critical situations surrounding employee and family infectious disease spread safety.

Intending to modernize the health and healthcare riskmanagement IT industry, John Norris JD, MBA , founded an advanced SaaS platform infectious-disease riskmanagement company in 2018 named “ Safely2Prosperity LLC ”. S2P is an emerging organization in the health and healthcare IT sector.

Norris founded S2P to focus on implementing new, more powerful, and more comprehensive strategies, tools, and other innovations to fight the spread of severe infectious diseases, particularly their spread in the workplace and at home, especially at employees homes.

These closed-in work facilities and homes present very high-risk (on the downside) yet very access-controlled (on the upside) environments. Moreover, most people spend most of their time each day in these closed spaces. Accordingly, aggressively risk-managing these environments can return enormous ROIs to employees (and their families) and employers alike.

Aggressive spread prevention, mitigation, and control of these locations create many returns. For example, it adds protection of, and enhancements to, employee and family physical and mental health status. And it helps prevent employer loss of productivity and financial and other losses through disruptive and upsetting litigation and litigation judgment or settlement costs.

S2P’s unique approach is to aggressively and continuously

create a “disease-free sanctuary” at work and the same at home. This bottom-up approach (rather than the obsolete top-down approach used to date by governments and employers that has so severely failed) is a giant step forward in the direction of far less expensively and far more effectively managing infectious-disease spread. Plus, it reduces the probability that a most devastating event will take place. The spread of an infectious disease from work to home and vice versa is intolerable.

By using S2P’s new approach, supported by S2P’s advanced strategies, tools, and other innovations, not only, most importantly, will S2P save lives. But also importantly, the catastrophic risk of workforce deterioration and/or collapse, costing all or most employees their jobs and investors their investments, is likely cut in half.

S2P is one of the leading companies in the world that provide advanced IT-driven employee infectious-disease safety solutions.

Decorated and Recognized Leader

John Norris is currently serving as Chairman and CEO of S2P. He is a globally recognized leader in health and healthcare IT/AI/ML-driven product risk-management and crisis management. He was a long-term faculty member at Harvard University specializing in health law, FDA, and IT/AI/ML-driven health and healthcare risk-management product development and deployment courses.

As a full-board member or as an entrepreneur, John has used his diverse knowledge and experience to create, develop, launch, and/or grow companies having IT, AI, ML-driven risk-management solutions for companies, school systems, and government agencies. Some of these companies directly or indirectly provide goods and services to military and other national security organizations. Thereby, S2P also contributes to US national security and world security, of which they are very proud.

Over the years, the healthcare industry has evolved massively. John himself survived three fatal conditions with the help of modern medicines and healthcare techniques. Also, he still recalls when his father died due to a stroke in 1968, at the age of 52. With the current healthcare system, advanced technological devices, and safety precautions, physicians, surgeons, and nurses can more readily handle such conditions. Often, they can save lives.

Roots of Establishment

Norris founded S2P to produce new insights and innovations to better protect people from infectious diseases, including COVID-19 and its variants. He formed the company by bringing together John's health and healthcare risk-management visions, insights, strategies, and plans.

S2P came into existence well after the end of the term when John was the 2nd-in-command of the US FDA—the world's largest and most respected health and healthcare riskmanagement organization. But John executes within S2P many of the visions, insights, and ideas he formulated while being a leader of the FDA.

Since S2P’s inception, these concepts and tools have evolved and grown every year. Then, the COVID-19 pandemic accelerated the demand for the company's solutions.

Eminent Solutions

To be clear, S2P is a health and healthcare risk-management software company that prevents and manages infectious diseases. It is an inventor, developer, manufacturer, and marketer of the world’s first advanced COVID-19 and variants risk-management program (COVID Safety

Program).

The COVID Safety program uses a robust SaaS platform having powerful executive, manager, and employee dashboards. It enables employers, employees, and families to manage the spread of deadly, disabling, painful, and/or life-disrupting infectious diseases jointly, efficiently, and effectively.

In operation, S2P pairs its COVID Safety program’s SaaS platform with customized vaccinations, tests, therapeutics, and tracking technology packages.

A Team of Passionate Consummate Professionals

A team of exceptionally passionate, brilliant, and hardworking individuals leads S2P’s operations. Every team member of the company specializes in a different substantive or procedural area. However, the primary focus of every team member is to save people’s lives in the broadest sense of that phrase, from physical death or severe harm to mental disorders of various types.

Safety and Health Measures

Like firefighters, S2P runs toward the danger to save lives. In 2022, the company aims at protecting tens of thousands more lives in the US and the rest of the world. However,

S2P focuses not just on reducing the mortality rate of people. It also focuses on protecting and saving people from several other physical conditions, including long-term brain damage, heart damage, and lung damage, as well as longterm mental disorders brought on by fear of employees and their family members of death or other harms. S2P is committed to accomplishing all of these goals.

Impending Solutions

S2P has recently developed and introduced an advanced SaaS platform solution called its COVID-19 Safety Platform and Employee Dashboard. This advanced solution will ensure more efficient risk management of COVID-19 and its variants. S2P also calls the solution its ‘DoubleSanctuary Approach.’ It is a highly effective, low-cost program and is the first of its kind in the world.

S2P and its software developer, DICORP, a Maryland company, built the advanced SaaS platform and its many unique dashboards using advanced technologies, plus the many substantive visions, insights, and ideas of the S2P Team. Brought together as an integrated and comprehensive system/program, the S2P COVID Safety Program enhances employee and family member safety from COVID-19 viruses and their mutants through–

Ÿ Structured preparation, oversight, and management

Ÿ Improved monitoring and tracking, including multidashboard custom reports

Ÿ Effective preventions and mitigations, along with tools, including alarms, alerts, and trends analyses based on continuous risk-monitoring and assessments

Ÿ Documented legal proof of employer efforts to protect and comply with legal and regulatory standards

This all-in-one solution for employees and their family members’ health and healthcare risk management allows users to view and monitor a set of vaccination, testing, therapeutic, and tracking solutions on a single set of integrated dashboards. The program enables companies to better predict and manage COVID-19 risk exposures and needed mitigation responses to better protect their employees’ health and safety.

S2P strives to transform the health and healthcare riskmanagement approaches used in the US and worldwide to produce ever faster, better, cheaper, and safer solutions.

“From my vantage point, the sky is the limit. I have many more visions, insights, and ideas churning, just in my mind, right now, that might fuel health and healthcare (and related) riskmanagement innovations for decades.”

C O N N E C