TAILIEUCHUNG - COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, THE ECONOMIC AND SOCIAL COMMITTEE AND THE COMMITTEE OF THE REGIONS

The result for the best performing firm on each issue is highlighted by the outer dashed line. The chart illustrates that in the best performing firm in all of the shops on that firm, shoppers said ‘yes’ to the question ‘Did the salesperson say that PPI was optional?’. The inner dashed line indicates results for the worst performing firm for each issue. For example, when considering the question ‘Was the customer told whether the shop was made on an advised or non-advised basis?’ in the worst-performing firm, no shoppers were told the basis on which the sale was made. . | EUROPEAN COMMISSION Brussels COM 2011 244 final COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT THE COUNCIL THE ECONOMIC AND SOCIAL COMMITTEE AND THE COMMITTEE OF THE REGIONS Our life insurance our natural capital an EU biodiversity strategy to 2020 SEC 2011 540 final sEc 2011 541 final EN EN 1. INTRODUCTION Biodiversity the extraordinary variety of ecosystems species and genes that surround us is our life insurance giving us food fresh water and clean air shelter and medicine mitigating natural disasters pests and diseases and contributes to regulating the climate. Biodiversity is also our natural capital delivering ecosystem services that underpin our economy. Its deterioration and loss jeopardises the provision of these services we lose species and habitats and the wealth and employment we derive from nature and endanger our own wellbeing. This makes biodiversity loss the most critical global environmental threat alongside climate change and the two are inextricably linked. While biodiversity makes a key contribution to climate change mitigation and adaptation achieving the 2 degrees target coupled with adequate adaptation measures to reduce the impacts of unavoidable effects of climate change are also essential to avert biodiversity loss. Current rates of species extinction are unparalleled. Driven mainly by human activities species are currently being lost 100 to 1 000 times faster than the natural rate according to the FAO 60 of the world s ecosystems are degraded or used unsustainably 75 of fish stocks are over-exploited or significantly depleted and 75 of the genetic diversity of agricultural crops has been lost worldwide since 1990. An estimated 13 million hectares of tropical forests are cleared each year1 and 20 of the world s tropical coral reefs have already disappeared while 95 will be at risk of destruction or extreme damage by 2050 if climate change continues unabated2. In the EU only 17 of habitats and species and 11 of key .

• Bảo hiểm
• Overview of resources
• Endowment and opportunities
• realizing opportunities
• Regional Synthesis
• Regional Synthesis
• Sub Regional Overviews
• Jammu and Kashmir
• Indian state of Jammu
• Diversified animal genetic resources
• Overview of diversified animal genetic resources
• Promising employment opportunities
• resources
• development
• human
• african
• south
• overview
• Technological changes
• Infrastructure development
• Inventory of resources
• Endowment opportunities
• Threats to atmospheric resources
• Demographic profile
• education teachers
• financial resources
• reflect disparities
• individual resources
• privileged backgrounds
• Biotic stress
• DUS descriptors
• Genetic resources
• Inbred lines
• Source germplasm
• property resources
• property law
• definitions
• Forms
• statutes
• Intellectual Property