{"id":346,"date":"2017-02-06T08:50:11","date_gmt":"2017-02-06T08:50:11","guid":{"rendered":"http:\/\/elmasarat.huwaida-app.com\/en\/?page_id=346"},"modified":"2024-06-06T10:46:20","modified_gmt":"2024-06-06T10:46:20","slug":"home","status":"publish","type":"page","link":"https:\/\/tmps-bkg-support.iq\/en\/","title":{"rendered":"Home"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1642589913907{background-color: #ffffff !important;}&#8221;][vc_column]<div id=\"widget_slider_858976846\" class=\"widget_area sc_widget_slider vc_widget_slider wpb_content_element\"><aside id=\"widget_slider_858976846_widget\" class=\"widget widget_slider\">\t\t\t<div class=\"slider_wrap slider_engine_revo slider_alias_home-1\">\n\t\t\t\t<div class=\"wp-block-themepunch-revslider 0\">\n\t\t\t<!-- START Home 1 REVOLUTION SLIDER 6.6.20 --><p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t<rs-module-wrap id=\"rev_slider_1_1_wrapper\" data-source=\"gallery\" style=\"visibility:hidden;background:transparent;padding:0;\">\n\t\t\t\t<rs-module id=\"rev_slider_1_1\" style=\"\" data-version=\"6.6.20\">\n\t\t\t\t\t<rs-slides style=\"overflow: hidden; position: absolute;\">\n\t\t\t\t\t\t<rs-slide style=\"position: absolute;\" data-key=\"rs-1\" data-title=\"01\" data-description=\"01\" data-thumb=\"\/\/tmps-bkg-support.iq\/en\/wp-content\/uploads\/sites\/2\/2024\/04\/slide-1-276x75.jpg\" data-anim=\"ms:600;\" data-in=\"o:0;\" data-out=\"a:false;\" data-p1=\"01\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/tmps-bkg-support.iq\/en\/wp-content\/plugins\/revslider\/public\/assets\/assets\/dummy.png\" alt=\"\" title=\"slide &#8211; 1\" width=\"1920\" height=\"1281\" class=\"rev-slidebg tp-rs-img rs-lazyload\" data-lazyload=\"\/\/tmps-bkg-support.iq\/en\/wp-content\/uploads\/sites\/2\/2024\/04\/slide-1.jpg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-1-slide-1-layer-0\" \n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"xo:150px,131px,99px,61px;yo:406px,355px,269px,165px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:60,52,39,24;l:90,78,59,36;fw:700;a:center;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:854px,747px,567px,349px;\"\n\t\t\t\t\t\t\t\tdata-border=\"bor:5px,5px,5px,5px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;background-color:rgba(0,0,0,0.7);font-family:'Cairo';\"\n\t\t\t\t\t\t\t>Unlocking Financial Potential \n\t\t\t\t\t\t\t<\/rs-layer><!--\n\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-1-slide-1-layer-6\" \n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"xo:176px,154px,119px,87px;yo:508px,444px,345px,212px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:30,26,19,11;l:32,28,21,12;a:center;\"\n\t\t\t\t\t\t\t\tdata-padding=\"t:10,9,7,4;r:10,9,7,4;b:10,9,7,4;l:10,9,7,4;\"\n\t\t\t\t\t\t\t\tdata-border=\"bor:5px,5px,5px,5px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:7;background-color:rgba(0,0,0,0.7);font-family:'Cairo';\"\n\t\t\t\t\t\t\t>Empowering Banks and Financial Institutions to Globally Thrive \n\t\t\t\t\t\t\t<\/rs-layer><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t\t<rs-slide style=\"position: absolute;\" data-key=\"rs-12\" data-title=\"02\" data-description=\"01\" data-thumb=\"\/\/tmps-bkg-support.iq\/en\/wp-content\/uploads\/sites\/2\/2024\/04\/slide-2-276x75.jpg\" data-anim=\"ms:600;\" data-in=\"o:0;\" data-out=\"a:false;\" data-p1=\"01\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/tmps-bkg-support.iq\/en\/wp-content\/plugins\/revslider\/public\/assets\/assets\/dummy.png\" alt=\"\" title=\"slide &#8211; 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content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1712647812985{padding-top: 90px !important;padding-bottom: 90px !important;background-color: #eeeeee !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner]<div id=\"sc_title_361598162\"\n\t\tclass=\"sc_title sc_title_default  vc_custom_1712648209510\"><h2 class=\"sc_item_title sc_title_title sc_align_center sc_item_title_style_default sc_item_title_tag\">About the Company<\/h2><\/div><!-- \/.sc_title -->[\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1305&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1306&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1307&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1715194358433{padding-top: 15px !important;padding-bottom: 30px !important;}&#8221;]<strong><u>About the Company<\/u><\/strong><\/p>\n<p><strong><em>TMP.<\/em><\/strong><strong> was established at the end of 2017, commenced its activities in 2018. The company provides diverse and specialized services to banks and non-bank financial institutions in addition to universities and the public by providing advanced training programs as well as banking advisory services in accordance with international standards and guidelines, in addition to building capabilities and raising the efficiency of employees in confronting different challenges and crises internally or externally.<\/strong><\/p>\n<p><strong>The company has full executive capabilities in preparing feasibility studies for establishing banks and opening branches of foreign banks in Iraq, while drawing a road map for its work and fully supervising it, in addition setting \u00a0up business strategies and investment management, while creating the necessary infrastructure on which banks rely in managing their operational banking activities.<\/strong><\/p>\n<p><strong>The company also has special professional expertise and capabilities in supporting deposit insurance systems (DIS)and their operational mechanism based on the International Core Principles and its Essential Criteria, as well as providing the specialized and professional advices, full supervision, training the staff working in the insurance systems, in addition to stand with the DIS. To join in membership of (International Association of Deposit Insurers) in Switzerland.<\/strong><\/p>\n<p><strong>In order to achieve the goals of our company in providing distinguished international service, it is necessary to keep pace with the development of its services by following and applying the best international practices while employing modern technology, in addition to building relations of exchanging experiences and high coordination with our international partners in preparing training programs and providing professional consultants, guidance to our customers.<\/strong><\/p>\n<p><strong><em>With our best regards,<\/em><\/strong><\/p>\n<p><strong><em>TMPs Co. Management<\/em><\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<div class=\"sc_item_button sc_button_wrap sc_align_center\"><a href=\"https:\/\/tmps-bkg-support.iq\/en\/about-us\/\" id=\"sc_button_957677742\" class=\"sc_button sc_button_default sc_button_size_normal sc_button_icon_left\"><span class=\"sc_button_text sc_align_center\"><span class=\"sc_button_title\">Read more<\/span><\/span><!-- \/.sc_button_text --><\/a><!-- \/.sc_button --><\/div><!-- \/.sc_item_button -->[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1712648624346{padding-top: 90px !important;padding-bottom: 90px !important;background-color: #ffffff !important;}&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1712649770973{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; el_class=&#8221;cvrow&#8221;][vc_column_inner][vc_custom_heading text=&#8221;TMPs Founder CV. In Glance&#8221; font_container=&#8221;tag:h2|font_size:30|text_align:center&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1713242765255{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221; el_class=&#8221;the_cv_header&#8221;][vc_custom_heading text=&#8221;Mr. Hafidh A. Al Ubaidi&#8221; font_container=&#8221;tag:h3|font_size:25px|text_align:center&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1712649153166{margin-top: 10px !important;padding-top: 0px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong><u>Mobile: +964(0)782 783 6108 &#8211; email: &lt;hnubai@gmail.com&gt;<\/u><\/strong><\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;1311&#8243; img_size=&#8221;full&#8221; el_class=&#8221;cvimage&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1715454463133{padding-top: 30px !important;}&#8221;]Iraqi nationality, was born in Baghdad, Education background post \u00a0graduate degrees in Banks Management, founder of the Banking Risk Management Department in Central Bank, also ha d experience in Islamic Banking management. Setting banks&#8217; strategies for investment and risk management, as well as implementing and managing the infrastructure for bank treasury operations and managing the bank treasury activities with investing the \u00a0surplus liquidity .<\/p>\n<p>He obtained long-term experience and practice for more than (40) years at the local and global levels in the following fields:<\/p>\n<ul>\n<li>International banking services and management of the central bank\u2019s foreign reserves.<\/li>\n<li>Managing global and financial markets operations.<\/li>\n<li>Authorized formerly to deal in the international financial markets by <strong>Reuters <\/strong>(<strong>Refinitiv<\/strong> <strong>recently<\/strong>) as well as<strong> Bloomberg Agency.<\/strong><\/li>\n<li>Specialized in trading precious metals and trading especially with gold.<\/li>\n<li>Expert in the operational activities of the Deposit Insurance System(DIS), as well as compliance with and Core principles (C.Ps.) with the standards and guidelines issued by the <strong>International Association for Deposit Insurance (IADI)-Switzerland.<\/strong><\/li>\n<li>Setting &amp; Managed the negotiations for establishing banking relationships , foreign reserves, professionally, along with drafting account opening contracts and its banking arrangements.<\/li>\n<li>Regulating employment contracts in international trade between the parties concerned, as well as what is related to the sources of financing necessary to conclude deals of the strategic projects by managing specialized negotiations and discussions with the related counter parties, the most important of which are as follows:<\/li>\n<\/ul>\n<p>o International Monetary Fund work teams.<\/p>\n<p>o European Central Banks.<\/p>\n<p>o international organizations (Bank for International Settlements &#8211; Basel).<\/p>\n<p>o Islamic Development Bank.<\/p>\n<p>o Through participates in the international events and conferences.<\/p>\n<p>He worked in senior positions with:<\/p>\n<ul>\n<li>A.GM &#8211; Central Bank of Iraq &#8211; Foreign Reserves Management (26 years).<\/li>\n<li>CEO &#8211; Private banks (5) years.<\/li>\n<li>Advisor to the Board of Directors for investment affairs and the international membership file. (Working for 4 years &#8211; ongoing until now).<\/li>\n<li>lecturer -Foreign University abroad -in the American financial accounting courses in English.<\/li>\n<li>Advisor to the Board of Directors British -Gulf Joint Venture company for banking, financial and industrial affairs.<\/li>\n<li>Write important International Banking and Economy articles related to geopolitical economy, global market indicators, financial market forecasts, and the about the Concept of Bridge Bank &#8230; etc.<\/li>\n<\/ul>\n<p><strong>Signature,<\/strong><\/p>\n<p><strong><u>Hafidh A. Nasser \u00a0Al-Ubaidi<\/u><\/strong><\/p>\n<p><strong>International Banking and Economy Expert<\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; bg_type=&#8221;&#8221; parallax_style=&#8221;&#8221; bg_image_new=&#8221;&#8221; bg_image_repeat=&#8221;&#8221; bg_image_size=&#8221;&#8221; bg_cstm_size=&#8221;&#8221; bg_img_attach=&#8221;&#8221; parallax_sense=&#8221;&#8221; bg_image_posiiton=&#8221;&#8221; animation_direction=&#8221;&#8221; animation_repeat=&#8221;&#8221; video_url=&#8221;&#8221; video_url_2=&#8221;&#8221; u_video_url=&#8221;&#8221; video_poster=&#8221;&#8221; u_start_time=&#8221;&#8221; u_stop_time=&#8221;&#8221; viewport_vdo=&#8221;&#8221; enable_controls=&#8221;&#8221; bg_override=&#8221;&#8221; disable_on_mobile_img_parallax=&#8221;&#8221; parallax_content=&#8221;&#8221; parallax_content_sense=&#8221;&#8221; fadeout_row=&#8221;&#8221; fadeout_start_effect=&#8221;&#8221; enable_overlay=&#8221;&#8221; overlay_color=&#8221;&#8221; overlay_pattern=&#8221;&#8221; overlay_pattern_opacity=&#8221;&#8221; overlay_pattern_size=&#8221;&#8221; overlay_pattern_attachment=&#8221;&#8221; seperator_enable=&#8221;&#8221; seperator_type=&#8221;&#8221; seperator_position=&#8221;&#8221; seperator_shape_size=&#8221;&#8221; seperator_svg_height=&#8221;&#8221; seperator_shape_background=&#8221;&#8221; seperator_shape_border=&#8221;&#8221; seperator_shape_border_color=&#8221;&#8221; seperator_shape_border_width=&#8221;&#8221; icon_type=&#8221;&#8221; icon=&#8221;&#8221; icon_size=&#8221;&#8221; icon_color=&#8221;&#8221; icon_style=&#8221;&#8221; icon_color_bg=&#8221;&#8221; icon_border_style=&#8221;&#8221; icon_border_spacing=&#8221;&#8221; icon_img=&#8221;&#8221; img_width=&#8221;&#8221; ult_hide_row=&#8221;&#8221; ult_hide_row_large_screen=&#8221;&#8221; ult_hide_row_desktop=&#8221;&#8221; ult_hide_row_tablet=&#8221;&#8221; ult_hide_row_tablet_small=&#8221;&#8221; ult_hide_row_mobile=&#8221;&#8221; ult_hide_row_mobile_large=&#8221;&#8221; css=&#8221;.vc_custom_1717670778732{padding-top: 120px !important;padding-bottom: 120px !important;background-image: url(https:\/\/tmps-bkg-support.iq\/en\/wp-content\/uploads\/sites\/2\/2024\/04\/vision.png?id=1341) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; bg_grad=&#8221;&#8221; bg_color_value=&#8221;&#8221; controls_color=&#8221;&#8221; notification=&#8221;&#8221;][vc_column][vc_custom_heading text=&#8221;Our vision&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>To be the pioneer specialist Company in banking training programs and Consultant services locally and globe for developing and nurturing competent professional banks, financial institutions, Deposit insurance systems This will enable our customers and communities to grow and meet their wealth goals by delivering quality financial solutions with great leadership based on International Standards.<\/strong><\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; bg_type=&#8221;bg_color&#8221; bg_override=&#8221;full&#8221; css=&#8221;.vc_custom_1712650603470{padding-top: 90px !important;padding-bottom: 90px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; bg_color_value=&#8221;rgba(0,0,0,0.5)&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;1332&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Our Mission&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]<strong>Whether you are Commercial bank, an Islamic bank, a non-banking financial institution, a Tradition Insurance or Deposit Insurance system, a Local or Foreign Businessman, or Looking for Building capabilities and developing services to your\u00a0 Managers and employees , also\u00a0 to qualify university graduates who wish to work in banks and other financial institutions, the company puts its full capabilities into equipping you with all Training high professional Training programs in different\u00a0 instruments\u00a0 , is accredited and developed. We also provide Consultant services based on the international standards, executive services to all of our clients in terms of establishment, design, supervision, searching for sources of financing, setting appropriate feasible projects study, suggest solutions in addressing the challenges and difficulties facing by clients, which is our road map in order to achieve success for you<\/strong>.<\/p>\n<p>&nbsp;[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1712650876288{padding-top: 90px !important;padding-bottom: 90px !important;background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Our services strategy&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1712651532039{margin-bottom: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_column_text]Our work strategy based on (4) pillars:<\/p>\n<ul>\n<li>Banking experts with competence and scientific background, with no less than 30 years of work experience in financial and banking institutions as well as economics.<\/li>\n<li>Our Local and International Academic and Banking professional Companies experts are our partners in Banking, Economy and Deposit Insurance Scheme services.<\/li>\n<li>Considering the laws and regulations of the local supervisors who are supervising in the jurisdiction of the entities work in.<\/li>\n<li>Work under International Standards and the Essential Criteria issued by the International concerned organizations supervising Banks and Financial Institutions.<\/li>\n<li>We follow daily the developments and changes that occur in global markets and international economic indicators to study and analyses their impacts on the banking fields\u2019 future business plans as an important part when providing our services to our valued customers.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;1337&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1642589913907{background-color: #ffffff !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1712647812985{padding-top: 90px !important;padding-bottom: 90px !important;background-color: #eeeeee !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1305&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1306&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1307&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1715194358433{padding-top: 15px !important;padding-bottom: 30px !important;}&#8221;]About the Company TMP. was established at the end of 2017, commenced its activities in 2018. The company provides diverse and specialized services to banks and non-bank financial institutions in addition to universities and&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-346","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home - Al-Masarat Haditha<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tmps-bkg-support.iq\/en\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home - Al-Masarat Haditha\" \/>\n<meta property=\"og:description\" content=\"[vc_row css=&#8221;.vc_custom_1642589913907{background-color: #ffffff !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1712647812985{padding-top: 90px !important;padding-bottom: 90px !important;background-color: #eeeeee !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1305&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1306&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1307&#8243; img_size=&#8221;full&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1715194358433{padding-top: 15px !important;padding-bottom: 30px !important;}&#8221;]About the Company TMP. was established at the end of 2017, commenced its activities in 2018. 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