The rapid development of digital banking has fundamentally transformed the capabilities of the financial sector, offering a range of new opportunities and challenges.This paper explores the legal aspects of the transformation of the financial sector through digital banking.It analyzes the regulatory framework that impacts the development and implem
The aim of the study is to obtain a non-woven material with flame retardant properties.The conditions of the process of fire-retardant finishing were as follows: an aqueous solution of preparations of various concentrations was applied T-Shirts by spraying onto the surface of the material, then drying was carried out and heat treatment on a thermal
Xylitol is a promising phase change material for thermal energy storage at low and medium temperatures, but its supercooling and low crystallization rate can hinder its performance in T-Shirts actual systems.This problem can be overcome with the application of external stimuli that promotes the nucleation and subsequent crystallization of the super
Teen pregnancy and sexually transmitted infections remain a major health concern and are linked to a number of poor outcomes.Lesbian, gay, bisexual, transgender, and queer/questioning (LGBTQ) youth are Barbecue particularly at risk for these issues.Although evidence-based teen pregnancy prevention (TPP) programs exist, they are not necessarily tail