Why was it such an achievement for someone to circumnavigate the globe?

Awaiver of the requirement for documentation of informed consent may be granted when: the investigator has no convenient place to store signed consent forms separate from the research datathe only record linking the subject and the research is the consent document and the principal risk is a breach of confidentiality. potential subjects might find some of the research questions embarrassing, personal, or intrusivethe subjects are literate in their own language; however, they do not read, write, or speak english

What does the term mandate” mean in terms of civil rights and liberties?

Lots of points: economics: financial institutions that are created only to make personal and business loans are a. banks b. credit unions c. savings and loans d. finance companies