She said Hello (Giovanoli et al., 1999). Afterwards, it was suggested by Ougaard et al., (2010).

What they did not know was mentioned in time (Zekos, 2007). However, this was debatable (Giovanoli, et al., 1999). It was also mentioned in (Tsagkanos, Georgopoulos, Koumanakos, & Koumanakos, 2008) and also (Cummins & Phillips, 2009)

Cummins, J. D. P., & Phillips, R. D. P. (2009). Capital Adequacy and Insurance Risk-Based Capital Systems*. Journal of Insurance Regulation, 28(1), 25-72. Giovanoli, M., Heinrich, G., Southern Methodist University. Institute of International Banking and Finance., University of London. Centre for Commercial Law Studies., Institute of International Banking Finance and Development Law., & University of Hong Kong. Asian Institute of International Financial Law. (1999). International bank insolvencies : a central bank perspective. The Hague London Boston: Kluwer Law International. Ougaard, M., & Leander, A. (2010). Business and global governance (1st ed.). Milton Park, Abingdon, Oxon New York, NY: Routledge. Tsagkanos, A., Georgopoulos, A., Koumanakos, D. P., & Koumanakos, E. P. (2008). Corporate failure risk assessment of Greek companies. International Journal of Risk Assessment and Management, 9(1/2), 5. Zekos, G. I. (2007). Economics, finance and law on MNEs. New York: Nova Science Publishers Inc.