Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

Saturday, 17 October 2020

The Hidden Agenda of Tech Giants Gatekeepers

 


Context :

[ A ]  SC Seeks Centre Response On PIL On Age-Based Access Of Social Media, Removal Of Illicit Content

Extract :

The Supreme Court on Tuesday sought a response from the Centre on a PIL filed by law students seeking age-based control on access to social media.

The plea filed by law students Skand Bajpai and Abhyudaya Mishra suggested ,

#   Development of profile verification to remove unlawful content from the social media platforms.

#   Framework for removal of illicit content

#   Keeping an effective watch that such content is not uploaded in future.

#   Enact gender-neutral laws

#   Criminalise impersonation

 #  Direction for effective guidelines for verifying the social media accounts


[ B ]  Taming tech giants takes more than fines, ex-EU enforcer says / 14 Oct 2020

 

Extract :

 

Ø  For US tech giants, massive antitrust fines matter less than being ordered to change the way they do business, according to the European Union official who pushed through landmark decisions against Microsoft Corp, Intel Corp and Google.

Ø  Levying such costs isn’t the most important thing regulators can do, said Cecilio Madero Villarejo. “ The number doesn’t matter – what they care about, these companies, is that you declared them as having violated the law- What they hate are “ remedies we impose ”.

Ø  The Paris-based organization is helping to lead negotiations between nearly 140 countries in a bid to finally solve the thorny question of where tax is paid by major digital firms, such as Facebook, and how much.

Ø  European countries want the tech titans to pay their "fair share" of tax in countries where they operate.

Ø  Many EU officials believe they are avoiding paying the right amount. They say levies should be calculated on where the digital activity takes place, and not where firms have their European headquarters.

Ø  But any of its proposals need to be agreed by governments before they can become a reality.

Ø  Slow progress on the international stage has seen some countries opt to go it alone.

 

[ D ] SC notice to Centre, Google, Amazon, FB on plea over protection of UPI transactions  /  HT  15 Oct


Extract :

Ø  A three-judge bench headed by CJI SA Bobde said, “we will issue notice. Here there is apprehension that the entire regime of payments will commence before the entire regulatory framework is put in place.”


[ E ] Digital rights body questions India's move to seek backdoor access to encrypted communication / E Times

 

Extract :

Ø  The UK home department, this Sunday, issued a joint statement signed by governments of Australia, Canada, India, Japan, New Zealand and the United States calling on tech companies to work with governments and find solutions to ensure the safety of citizens, without eroding user privacy or cyber security.

             “..end-to-end encryption is implemented in a way that precludes all

              access to content, even to investigate the most serious crimes, including

              terrorism, and child sexual exploitation and abuse,” the document said.

             

[ F ]  Government issues notices to e-commerce firms for not showing mandatory info on products 


Extract :


Ø  The government on Friday issued notices to FlipkartAmazon and other e-commerce companies for not mandatorily displaying information, including country of origin, on products sold on their platforms.


Ø  Apart from Amazon and Flipkart, notices have also been sent to other e-commerce players, sources said


Ø  According to the notices sent to Flipkart India Pvt Ltd and Amazon Development Centre India Pvt Ltd, they are e-commerce entities and therefore, have to ensure that all mandatory declarations should be displayed on the digital and electronic network used for ecommerce transactions.


[ G ]    Digital Giants Don’t Need Your Data To Predict Your Behavior  

 

Extract :

 

Ø  Shopping online. Searching the internet. Posting to social media.


    These ordinary activities allow Amazon, Google, Facebook and other digital

    behemoths to amass unprecedented amounts of people’s data while

    offering them little, if any, compensation in return

      


Ø  By collecting data from every email, purchase, post, or search on their platforms, the tech giants have amassed valuable information about entire groups of people who share similar characteristics, the researchers explained


Ø  A post about, say, the purchase of new fashionable product conveys information that Facebook can use to predict the likelihood that people in the same or similar social networks will buy that product


Ø  Regulators have tried to level the playing field between consumers and big tech companies by attempting to secure consumers’ control over their information. This, they hope, will lead to people being compensated for the data they choose to share


Ø  The big digital firms have near MONOPOLIES on the personal data,” he said. “They profit from gathering massive amounts of data while consumers gain very little from handing over their information. People would experience greater benefits if the companies were in direct competition for the personal data.”


Ø  The researchers suggest the possibility of establishing consumer unions, similar to labor unions, to enhance competition and provide individuals greater bargaining power over how companies use their data. New policy interventions are necessary because the data market will not resolve these problems on its own, Bergemann said


     [  https://cowles.yale.edu/sites/default/files/files/pub/d22/d2203-r2.pdf ]


     [ dirk.bergemann@yale.edu  /  bonatti@mit.edu  / tan.gan@yale.edu ]

 

 

Ø  These issues are of urgent societal importance,” he said. “The data market, which lies at the core of the internet economy, will not function efficiently absent policy interventions

         

 

===================================================

MY TAKE :

Ø  Of course, GAFA will fight against imposition of any Tech Tax based on their Revenues (or earnings ? ) , in different countries . But, even if passed by OECD , GAFA CEOs will not lose any sleep

 

Ø  During 2019 , Sales Revenues of GAFA were ;

Google ….$ 160 Billion / Apple….$ 260 Billion / Facebook…. $  $ 70 Billion  /  Amazon …. $ 280 Billion


Will / can, 140 countries agree  How much “ of these REVENUES were earned in “ Which country “ ?


And agree as to “ how much did each company spend in each country and left with how much “ Earnings ( Profit ) “ in each country ?


Possibly, 140 countries will keep fighting for years, to settle this issue !

 

Ø  Which of these companies are “ E Commerce entities “ ? Does a “ traditional / normal “ commerce become “ E Commerce “ , as soon as one of its “ Transaction Process “ gets carried out “ Electronically / Online “ ?

 

Following tabulation list various “Business Structures “ of these companies .

Some of these “ Structures “, require use of Electronic Platforms ( portals / apps etc ) , whereas some require “ Face to Face Interactions “. These structures are NOT same/identical in all countries . Even within a given country, the “ Transaction Processes “are continuously changing , with more and more becoming “ Digital “. No law will / can, stop this march of technology


But one thing is certain.

GAFA are NOT content to just monopolize the world of “ Buyer – Seller “ online digital platforms.


They want to MONOPOLIZE between them, the ENTIRE SUPPLY CHAIN of World Trade !


They want to become THE GATEKEEPERS between individual buyers and sellers ( domestically ) and between companies ( internationally ) . They want to replace WTO  !

  

From conceptualizing a product or a service, to all the way getting consumers to consume and keep ordering, again and again


They are not content with even leaving those “ Ordering Decisions “ to consumers !


They will ensure that , based on your “ Purchase History “ , your fridge / microwave oven / Alexa / Smart Phone / Smart Watch / Google Mini or even your AR-VR glasses , will decide and automatically ORDER things which GAFA has “ determined “ that you ought to be using / consuming !


Remember Steve Jobs saying : Customers don’t know what they want !


And none of the following will stop them from ruthlessly pursuing their goals of WORLD DOMINATION :


Taxing them / requiring them to make declarations – file affidavits – pull down offensive content / verify profiles of their users / undertake “ self-regulations “ / prevent fake – duplicate accounts / remove fake news – hate speech / promise not to influence public opinion during elections

 

It is high time politicians around the World perceive the TRUE NATURE of these BIG TECH, who will, like a BLACK HOLE , suck up any and all Startups which they believe to be potential competitors .


With their money power – and amenable politicians -  they will ensure that legislation of no country prevents them from becoming such Black Holes

 

Can India lead the World in thwarting the hidden Agenda of Big Tech ? If yes , how ?

Ø   Yes, very much ( if there is a political will )

 

Ø  By enacting a modified DATA PROTECTION LAW which will,

#  Prevent Big Tech to collect / compile “Private / Personal Data “ of 400

    million Indian Users

#  Force Big Tech to “ Buy “ such personal data ( aggregated / anonymized )

    by compensating Data Owners

#  Enable each Indian User to earn Rs 30,000 / month , directly from GAFA ,

    by SELLING their personal data

#  Set up “ Direct Competition “ between Data Buyers to “ buy “ personal data

    of its users ( anonymized )


      #  By implementing :

      SARAL Single Authentic Registration for Anywhere  Login )[ 10 Feb 2019 ]

      Digital Dividend from Demographic Data [ 4 D ]…………..... ..[ 14 Feb 2019 ]

 

Dear Shri RaviShankar Prasadji,

India has an opportunity to create a NEW WORLD ORDER, by implementing my suggestion

But that Opportunity Window will not remain open forever !

================================================

Srl No

Business Structures

Google

Apple

Facebook

Amazon

1

 

GEOGRAPHIC   SPREAD

 

*   Across National boundaries ( International

    Trade )

 

*   Across State boundaries      ( within India )

 

*   Across Municipal boundaries   (within a State )

 

 

 

 

 

2

 

SUPPLY- CHAIN   /  INTERMEDIARIES

 

·          Mfr  >  Distributor  >  Dealer  >  Retailer  >  Buyer

 

     *      Mfr  >  Buyer

 

     *      Any disintermediation in the above chain

 

 

 

 

 

3

 

ORDER  PLACEMENT  /  ACCEPTANCE

 

·          In a physical location ( Shop / Store / Office / Factory / Home )

 

     *     In a virtual location   (Web site/Mobile

            App/SMS/ Email / Phone / Video Conference  )

            

 

 

 

 

4

 

DELIVERY

 

·          Physically in a Shop / Store etc where Buyer collects / picks-up from shelf

 

     *      Delivered to Buyer's location, thru Delivery

             person

 

     *      Delivered to Buyer's location, using a Drone

 

     *      Delivered to Buyer on his home-based 3D

             Printing Machine  ( using internet )

 

             

 

 

 

 

5

 

PAYMENT

 

·          Cash against delivery

 

      *     Pre-paid / Post-paid Cheque

 

     *     Credit / Debit Cards across counter

 

     *     Credit / Debit Cards thru online Payment

            Gateways

 

     *     Through Mobile Wallets

 

     *     Electronic Bank Transfer

 

     *     Using Virtual Currency like Bit-Coins

 

     *     Barter of Goods or Services

 

 

 

 

 

6

 

FOREIGN   INVESTMENTS

 

·          FDI in Manufacturing / Supply Chain / Payment Gateways - Apps-  Mobile Wallets 

 

      *     FDI in Web sites like Amazon - Flipkart –

             Alibaba – Snapdeal etc ( What percentage ? )

 

           

 

 

 

 

 

 

 

 

 

 

Related Reading :

If Google must pay Publishers, Why not pay Users ?......[ 12 Oct 2020 ]

GAFA ( aka Monopoly V 2.0 ? ) ……………………………………….[ 30 Sept 2020 ]

 A Greed-Ship named Facebook …………………………[ 21 Sept 2020 ]

 Time for the Next Step ……………………………………[ 15 Sept 2020 ]

 Only Answer : a Statutory Warning……………………[ 10 Nov 2018 ]

 

===================================================

With regards,

Hemen Parekh  /  hcp@RecruitGuru.com  /  18 Oct 2020

Thursday, 15 October 2020

Too Little ? Too Late ?

 


 

Context :

Wage relief for those who lost jobs in lockdown  /  Oct 6  /  TOI

Extract :

Ø  Employees’ State Insurance Corporation-registered workers who have lost their jobs during the lockdown can claim 50 % of their wages for up to 3 months as UNEMPLOYMENT RELIEF even if they have resumed work

Ø  The benefit can also be availed by ESIC members who may lose jobs in December

===================================================

On 08 April 2020 , I sent following E Mail to our Policy Makers :

 

Economy : The Way Back 


Extract :

 

Ø  While such a GRADUAL SHIFT takes place over a period of next 12 weeks , here is what Government should do to make this SLOW TRANSITION, as painless as possible :

 

       Ø    For 2020 – 21 , only 50 % of the Personal Income to be taxed for

             individual tax payers {  Revenue loss =  Rs  3 lakh*Crore }

 

            

https://www.indiatoday.in/business/budget-2020/story/govt-stares-at-tax-shortfall-of-rs-2-lakh-crore-room-for-personal-income-tax-relief-limited-1640397-2020-01-27


 

      Ø    For Corporate, 25 % of salaries/wages paid during July – Aug – Sept ,

            to be borne by Govt

 

           Only to those Corporate, which implement by end-May, Mobile based

           Attendance System as described at :

           

            From BAD to MAD                   [ 01 June 2016 ]

            MAD goes to Mandi                  [ 02 Jan 2020  ]

 

 

 

    Ø    Amounts of donations made to PM-CARES fund to be treated towards

          CSR obligations with provision for carry forward any excess amount

  

          

 

    Ø    No GST for goods sold during July – Aug – Sept ( assuming production

          will reach normal level by June end){ Revenue loss =  Rs 3 lakh*Crore }

 

 

           

    Ø    Since above-mentioned benefits will drain the government exchequer,


          leaving very little funds for planned Infrastructure, I strongly urge the


          Government to issue  ELEPHANT BONDS , with modifications

        

          as described at :

              Congratulations, Shri Surjit Bhallaji,            [ 31 Oct 2019 ]

 

Only yesterday, EU countries have started debating issue of CORONA BONDS to help out the countries worst affected by this crisis ( viz: Italy – Spain – UK – France )

 

 

QUESTION :

 

As far as India is concerned, the Government is faced with a “ Trade-Off “ between :

   
     #   Saving lives through a gradual / phased out lifting of lockdown,  

     

          AND

   

     #  Getting back to NORMAL economic activities , as fast as possible , with

         minimum   hardship to citizen

 

 

QUO VADIS ?  Which way should we take ?

 

I hope, following diagram will help our Policy Makers to quantify the PROS and CONS of each of their alternatives

 

=================================================

Ø  https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7t2zi2fFzMz9kP1TcZwr2t4FscID44Aq4IyEXVXJVGHyyrghaVzMCl-qFUCy9JqDuVRaAG-2C6-IObCHoH8pOP-HvT9WIP7UCMEFxvKcaMhjsdk2u9VRPYrsXDUSjM1Obj6Wn-805NyzO/s640/Quo+Vadis.jpg

=================================================

With regards,

 

Hemen Parekh  /  hcp@RecruitGuru.com  /  16 Oct 2020

LTA spend linked to Consumer Spend : Is this practical ?

 


 

Context :

Tax relief for private company staff too for LTA spends on consumer goods   /    15 Oct

 


Extract :

Ø  Private sector employees who opt to spend their leave travel allowance on the purchase of consumer goods, along the lines of the latest scheme unveiled for central government employees, will be eligible for tax exemption.

“Tax benefit would be available… Mechanism is being examined and a clarification would be issued shortly,” a government official told ET.

Ø  The government is keen to ensure that private-sector employees are also nudged to take advantage of the scheme that seeks to prop up consumer demand. The government expects this incentive to the private sector will generate additional consumer demand of Rs 28,000 crore.

 

Ø  One of the measures gave Central government employees an option to avail of their Leave Travel Concession ( LTC ) if they spend three times the entitlement on goods or services attracting a GST rate of 12 % or more by March 31, 2021

 

===================================================

 Dear concerned Govt Officer / Income Tax Officer ,

 


I believe there are some 4 crore tax-payers in our country

 

To be able to “ claim “ this tax exemption, each one of them would need to keep / submit following ( Online / Offline ? ) :

 

Ø  What goods / services were purchased ( did these attract GST @ 12 % rate ? )

Ø  Who ( shop / company / individual person ) was the SELLER ( full details )

Ø  When was the purchase made ( date )

Ø  What was the bill amount ( with Bill Number )

Ø  How was the payment made ( details of Cash – Cheque – App payment – Digital bank transfer etc )

Ø  Tabulated summary of ALL the Bills / Payments( from today till 31 March 2021 )

 

 

QUESTIONS :

 

Ø  How will this work in a “ Faceless Online Tax Regime “ ?

Ø  Will all these data need to be entered ONLINE ( on IT dept portal ) – with photo-images of bills ?

Ø  Will each claim get examined closely for correctness of data furnished ?

Ø  Will close examination slow down the assessments ?

Ø  How will accountants ( of Private Company employers ), decide how much TDS for each claimant ?

Ø  Is Company Accountant responsible to verify THREE TIMES SPEND on Consumer Goods / Services ?

 

 

I am sure, there are many other questions that  I have missed out – including :

 

Ø  Will this exercise end up costing more than its presumed benefits ?

Ø  Would it not have been better to just enable LTC payments WITHOUT any linkage ? Just take and do what you like !

 

With regards,

 

Hemen Parekh /  hcp@RecruitGuru.com  /  Oct 15 , 2020

 

 

 

 

Monday, 12 October 2020

Domestic workers Survey : a Non-Starter ?

 


Context :

Labour Bureau to conduct 3 surveys to gauge employment situation

 

Extract :

The government in an endeavor to understand the issues concerning special segments of labour has entrusted Labour Bureau with the task of conducting three ambitious surveys," Gangwar said

The database will enable the government to devise pragmatic solutions to improve their conditions and plan employment opportunities for them

He also informed that to collect data on domestic workers, which constitute roughly 3 per cent of the workers in our country, a first of its kind survey on domestic workers will also be carried out by Labour Bureau.

===================================================

Considering that there are 4 million domestic workers to be surveyed, “ ambitious “ seems an under-statement , if we assume that the survey has to be completed in ( say ) 4 months

How many “ surveyors “ would be needed to survey 1 million households per month ? – assuming, each such domestic worker, works in ONE household only ( they usually work part-time in 3 / 4 households , which makes the survey, very complicated , in order to eliminate duplicate counting )

Apart from that ( logistics ) , a far more relevant issue is :

In absence of an appropriate law, obliging / mandating  the householders to provide the information about the domestic worker engaged, how many “ employers “ are likely to volunteer such data ?

That would depend upon the data fields of the “ SURVEY QUESTIONNAIRE “

Now consider the likelihood of that questionnaire asking following data

===================================================

DOMESIC  WORKERS  SURVEY QUESTIONNAIRE

===================================================

[ A ]     EMPLOYER DATA

#  Name / Aadhar No / Address / PAN

 

[ B ] ….  DOMESTIC WORKERS ENGAGED “ DATA ( separately for each domestic

                worker engaged )

#   Name of worker / Aadhar No / Address / Gender / Age / Jan Dhan Account

     Number / Photo

#   Mode of hire ( direct or through some manpower supply agency )

#   Working since ( date )

#   Whether issued any formal “ appointment letter “

#   Monthly salary  /  Annual Bonus amount

#   Mode of salary payment ( Cash / Cheque / Digital transfer to bank account )

#   Number of work-hours in a day

#   Work timings

#   Lunch-break / Tea break [ whether free lunch provided ]

#   Weekly off day

#   Paid Holidays per year

#   Annual Privilege leave / Sick Leave / Casual Leave / leave without pay [

     Maternity leave in case of female workers ]

     

#   Whether Uniform supplied

#   Allowances if any ( Click “ Maid-in-India  /  10 Aug 2015 “,  for the list to be

     ticked, YES / NO )

===================================================

I am afraid, before opening the door to welcome the Surveyor, the house-holder would ask to see the questionnaire

Just a quick / cursory glance and he will say :


Thank you but we do not engage ANY domestic workers. My family members do all household chores


Now you will appreciate, why I am afraid this proposed survey would become a Non-Starter !

===================================================

Could anything be done to “ motivate / incentivize “ the house-holders to enthusiastically come forward to supply the desired data ?

No solution would be without “ accompanying problems “, but would following suggestion help ?

Surveyor says :


“ Sir / Madam,

Government has just announced ( shows relevant circular from Finance Ministry ) that the total amount of money that you annually pay to your domestic servants ( by way of wages / bonuses / allowances etc ), is tax-deductible from your annual PERSONAL INCOME TAX RETURN

Of course , this exemption is conditional to your making ALL MONTHLY-ANNUAL payments , directly into the JAN DHAN ACCOUNTS of your domestic workers and subject to TDS


===================================================

For kind attention of :

Dear Prof S P Mukherjee ( Head of Expert Committee ) / prof.mukherjee@gmail.com

Professor Rahul Mukherjee  /  rmuk@iimcal.ac.in

Professor DebasisKundu  /   kundu@iitk.ac.in

Professor Kalyan Das  /  kalyanstat@gmail.com

===================================================

With regards,

Hemen Parekh  /  hcp@RecruitGuru.com  /  13 Oct 2020

 

 

If Google must pay Publishers, Why not pay Users ?

 


 

Context :

House Lawmakers Condemn Big Tech’s ‘Monopoly Power’ and Urge Their Breakups 

 

Extract :

In a report led by Democrats, lawmakers said Apple, Amazon, Google and Facebook needed to be checked and recommended they be restructured and that antitrust laws be reformed.

The lawmakers said the companies had abused their dominant positions, setting and often dictating prices and rules for commerce, search, advertising, social networking and publishing.

 

To amend the inequities, the lawmakers recommended restoring competition by effectively breaking up the companies, emboldening the agencies that police market concentration and throwing up hurdles for the companies to acquire start-ups

===================================================

House Panel Urges Tech Giant Breakup in Plan Republicans Shunned

Extract :

The staff report’s most consequential recommendation is for Congress to consider legislation that would prevent tech companies from owning different lines of businesses, which could lead to a mandate to break them up.

To address this, the report recommends structural separation -- prohibiting a dominant platform from operating in competition with the firms dependent on it

It also calls for line-of-business restrictions, or limiting the markets in which a dominant firm can engage, similar to bans on television networks’ entering production and syndication markets.

Under congressional power, the breakups would target types of business, rather than particular companies, committee counsel told reporters on Tuesday.

=====================================================

Google must talk to French publishers about paying for their content, court says

Extract :

Google must open talks with publishers in France about paying to use their content, an appeals court confirmed on Thursday, paving the way for an industry-wide deal in the country

The ruling may reverberate outside France, as it compels Google to sit down with publishers and news agencies to find a way to remunerate them under the “neighbouring right” enshrined in revamped EU copyright rules, which allows publishers to demand a fee from online platforms for showing news snippets.

“Google’s conduct amounted to saying: I’m offering you a contract under which you give me all your rights for no remuneration,” de Silva said, with reference to the business relationship between news publishers and Alphabet’s Google.

..the French arrangement involves finding a sustainable methodology to remunerate publishers and news agencies.

The ruling confirms a decision in April by France’s competition authority, which ordered Google to negotiate with publishers and news agencies “ the remuneration due to them for any re-use of protected content ”.

===================================================

Startups plan to approach CCI against Google’s rules  { Hindustan Times / 12 Oct 2020 }

Extract :

Ø  The founders are now planning to send a written communication to both the ministry of electronics and information technology (MeitY) as well as the CCI, this week after collating views from the industry. The startup ecosystem will send a single letter to both the government and CCI, the founder said.

Ø  Last week, Mint reported that 120 Indian startup founders were looking to form an independent non-profit lobby to take on Google in India.

Ø  In an interview on Friday, Murugavel Janakiraman, founder of Matrimony.com, said the companies are looking at “ all possibilities ”, including approaching the CCI and the government.

=================================================

MY TAKE :

Ø  GAFA are American companies governed by American Laws

Ø  It is up to the American public and US Congress-Senate to decide how to control / regulate GAFA ( including AT&T type of break-up , several decades ago ). We have absolutely “ No Say “ in that

Ø  But, we [ our Lok Sabha – Rajya Sabha ], have every right to tell them,

      “ You shall pay Indian Users for using their PERSONAL / PRIVATE DATA , which you are selling to

      advertisers and making tons of money. Either you sign up to implement the following ( for which, we are

      modifying our proposed DATA PROTECTION BILL ) , or you QUIT INDIA “

 

      Digital Dividend from Demographic Data [ 4 D ]…………………..... [ 14 Feb 2019 ]

 

     SARAL Single  Authentic  Registration for Anywhere  Login )…[ 10 Feb 2019 ]

 

Ø  It is high time our Lawmakers muster enough courage to stand-up / speak-up for some 400 million Indian Users, whose PERSONAL DATA is being blatantly abused ( without their explicit permission ) by GAFA

 

Ø  Whereas , I have full sympathy – and support – for the cause / rights of Indian Mobile App Developers and Startups, I strongly believe that our Government focuses on the larger OWNERSHIP ISSUE of millions of Indian Users

 

Related Reading :

 

GAFA ( aka Monopoly V 2.0 ? ) ……………………………………….[ 30 Sept 2020 ]

 

A Greed-Ship named Facebook ………………………………………[ 21 Sept 2020 ]

 

Time for the Next Step ……………………………………………………[ 15 Sept 2020 ]

 

Only Answer : a Statutory Warning…………………………………[ 10 Nov 2018 ]

 

 

With regards,

Hemen Parekh / hcp@RecruitGuru.com / 12 Oct 2020