Croatia

2023 Croatia Global Money Week

GMW NATIONAL COORDINATOR:

  • Ministry of Finance (MFIN)

PARTICIPATING ORGANISATIONS:

  • Ministry of Finance (MOF); Ministry of Finance, Tax Administration (MoF TA); Ministry of Science and Education (MOSE); Ministry of Economy and Sustainable Development (MESD); Central State Office for Demography and Youth (CSODY); Agency for Education and Training (AET); Agency for Vocational and Adult Education (AVAE); Croatian Financial Services Supervision Agency (CFSSA); Financial Agency (FA); Croatian National Bank (CNB); Croatian Insurance; Bureau (CIB) and members – insurance undertakings; Štedopis, Institute for Financial Education; Croatian Institute for Financial Education (CIFE); Federation of Independent Trade Unions of Croatia (SSSH); CFA Association Croatia; Croatian Association of Credit Unions (CACU); Croatian Employers’ Association (CEA); Association of Obligatory and Pension Fund Members (AOPFM); Association of Pension Fund Management and Pension Insurance Companies (APFMPIC); Faculty of Economics and Business Zagreb (FEB); Faculty of Law, University of Zagreb; Croatian Banking Association (CBA); Croatian Chamber of Economy (CCE); Croatian Chamber of Trades and Crafts (CCTC); Zagreb Stock Exchange d.d. (ZSE)

TOTAL NUMBER OF PARTICIPATING ORGANISATIONS:

  • 25

NUMBER OF CHILDREN AND YOUNG PEOPLE REACHED DIRECTLY:

  • 5 555

NUMBER OF ADULTS REACHED DIRECTLY:

  • 2 341

NUMBER OF PEOPLE REACHED INDIRECTLY:

  • 135 394

During GMW2023, financial literacy awareness sessions were offered to children, youth and adults through a conference, online lectures, education session, panel discussions, workshops on personal finance, the value of money, budgeting, insurance, financial freedom, lectures on current topics related to finance at universities and individual primary and secondary schools. Organisations have organised financial literacy workshops for pupils and students who visited their institutions on the occasion of the Global Money Week.


2022 Croatia Global Money Week

GMW NATIONAL COORDINATOR:

  • Ministry of Finance (MFIN)

PARTICIPATING ORGANISATIONS:

  • Ministry of Science and Education (MSE), Education and Teacher Training Agency (ETTA), Croatia National Bank (CNB), Croatian financial services supervisory agency (HANFA), Financial agency (FINA), Croatian Chamber of Economy (CCE), Croatian Employers Association (CEA), Croatian Insurance Bureau (CIB), Association of Pension Funds (APF), Zagreb Stock Exchange, Inc. (ZSE), Croatian Institute for Financial Education (CIFE), Štedopis, Institut for financial aducation Zagreb (Štedopis), Union of Autonomous Trade Unions of Croatia (UATUC), Primary school Šimuna Kožičića Benje, Zadar, OTP bank

TOTAL NUMBER OF PARTICIPATING ORGANISATIONS:

  • 16

NUMBER OF CHILDREN AND YOUNG PEOPLE REACHED DIRECTLY:

  • 7,641

NUMBER OF ADULTS REACHED DIRECTLY:

  • 9,609

NUMBER OF PEOPLE REACHED INDIRECTLY:

  • 409,466

In Croatia, members of the Operational Working Group on consumer financial literacy participated in Global Money Week 2022. Members included: Ministry of Finance (MFIN), Ministry of Science and Education (MSE), Education and Teacher Training Agency (ETTA), Croatian National Bank (CNB), Croatian Financial Services Supervisory Agency (HANFA) , Financial agency (FINA), Croatian Chamber of Economy (CCE), Croatian Employers Association (CEA), Croatian Insurance Bureau (CIB), Association of Pension Funds (APF), Zagreb Stock Exchange, Inc. (ZSE), Croatian Institute for Financial Education (CIFE), Štedopis, Institut for financial education Zagreb (Štedopis), Union of Autonomous Trade Unions of Croatia (UATUC).

To launch GMW2022, the Ministry of Finance, the Ministry of Science and Education and other institutions hosted many online activities. 208 teachers participated and expressed satisfaction with the programme and topics. Other activities included online and offline financial education workshops and lectures, digital games, quiz, virtual visits to stock exchange, TV and radio show, podcasts, student debate and competition for high school students.


2021 Croatia Global Money Week

GMW NATIONAL COORDINATOR:

  • Ministry of Finance

PARTICIPATING ORGANISATIONS:

  • Croatian National Bank (CNB), Ministry of Education, Hrvatska agencija za nadzor financijskih usluga (HANFA), schools

TOTAL NUMBER OF PARTICIPATING ORGANISATIONS:

  • 15

NUMBER OF CHILDREN AND YOUNG PEOPLE REACHED DIRECTLY:

  • 3,000

NUMBER OF ADULTS REACHED DIRECTLY:

  • 400

NUMBER OF PEOPLE REACHED INDIRECTLY:

  • Not reported

During Global Money Week in 2021, the Ministry of Finance with partners offered financial awareness sessions to children, youth and adults. These were mostly held through online webinars. 3,000 children and youth were engaged in the lessons and on social media. Global Money Week news and updates were published through articles in newspapers and on websites.


2019 Croatia Global Money Week

LEADING ORGANISATIONS:

  • Ministry of Finance
  • The Zagreb Stock Exchange Inc
  • Croatian National Bank

PARTICIPATING ORGANISATIONS:

  • 11 Schools, 24sata, Association of Independent Trade Unions of Croatia, Croatia Insurance d.d., Croatian Banking Association, Croatian Chamber of Economy, Croatian Employers’ Association, Croatian Financial Services Supervisory Agency, Croatian Institute for Financial Education- HIFE, Croatian Insurance Bureau, Croatian National Bank, Croatian pension Funds managements Companies and pension Insurance Companies, Education and Teacher Training Agency, Faculty of Economics in Zagreb, GRAWE Hrvatska d.d., Ministry of Science and Education, Uniqa Insurance d.d., Večernji list, Wiener Insurance Vienna Insurance Group d.d., Zagreb Stock Exchange, ŠTEDOPIS- Institute for Financial Education

NUMBER OF CHILDREN REACHED DIRECTLY:

  • 8122

NUMBER OF PEOPLE REACHED INDIRECTLY:

  • 737 020

Ministry of Finance
GMW2019 was launched by the Ministry of Finance, in the attendance of its stakeholders and media organisations. Prior to the Week, the Education and Teacher Training Agency (AZOO) developed Recommendations for Educational Workers and distributed them to all primary and secondary schools in Croatia. The Faculty of Economics organised a promotional event and a panel discussion on the book “Financial Literacy and responsible consumption in everyday life”, with the participation of Croatian National Bank (CNB), Croatian Financial Services Supervisory Agency (CFSSA), Raiffeisen Pension Company and UMFO. Through its regional offices, the Croatian Employer’s Association organised presentations on various themes for both the employers and students. The Croatian Insurance Bureau (HUO) organised a press briefing, where the representatives of insurance companies and HUO pointed out the importance of financial literacy. HUO continued with the project “Knowledge is the best insurance,” by conducting educational workshops/lectures in secondary schools. GMW2019 was launched by the Ministry of Finance, in the attendance of its stakeholders and media organisations. Prior to the Week, the Education and Teacher Training Agency (AZOO) developed Recommendations for Educational Workers and distributed them to all primary and secondary schools in Croatia. The Faculty of Economics organised a promotional event and a panel discussion on the book “Financial Literacy and responsible consumption in everyday life”, with the participation of Croatian National Bank (CNB), Croatian Financial Services Supervisory Agency (CFSSA), Raiffeisen Pension Company and UMFO. Through its regional offices, the Croatian Employer’s Association organised presentations on various themes for both the employers and students. The Croatian Insurance Bureau (HUO) organised a press briefing, where the representatives of insurance companies and HUO pointed out the importance of financial literacy. HUO continued with the project “Knowledge is the best insurance,” by conducting educational workshops/lectures in secondary schools. 

The Croatian Chamber of Economy (CCE) organised series of lectures within the project “Knowing More, Understanding Better. The CFSSA conducted 20 lectures and carried out other activities, such as presentations and panel discussions, aimed teaching financial education. Additionally, a debate was organised amongst students on the theme, “Invest in cryptovalute: yes or no?“

The Zagreb Stock Exchange (ZSE) hosted multiple students from secondary schools. Additionally, they conducted an online education game, titled “Virtualna burza (Virtual Stok Exchange).” The Croatian Institute for Financial Education organised workshops on personal finance, communal activities of one city, the impact of advertising on personal consumption, and entrepreneurship for beginners. ŠTEDOPIS - Institute for Financial Education organised workshops for students and participated in a panel discussion on psychology and money. They also published two new online editions of the handbook “My money, My future“, and the book “I and money – The psychology of money and spending.“ The Croatian Banking Association (CBA), in cooperation with ŠTEDOPIS and with a support of the Education and Teacher Training Agency, organised the competition European Money Quiz.

The Zagreb Stock Exchange Inc
Throughout GMW, the Zagreb Stock Exchange (ZSE) hosted close to 300 children on their premises. The Week was opened with ZSE participating at the Briefing with Journalists, organised by the Ministry of Finance. The ZSE was a member of the Operative Working Group for Financial Literacy. Throughout GMW, the Zagreb Stock Exchange (ZSE) hosted close to 300 children on their premises. The Week was opened with ZSE participating at the Briefing with Journalists, organised by the Ministry of Finance. The ZSE was a member of the Operative Working Group for Financial Literacy. 
Additionally, the ZSE promoted financial literacy through their website and Facebook profile. The online educative game, ‘Virtual Stock Exchange,’ was once again offered, celebrating its 10th anniversary in 2019.

Croatian National Bank
The Croatian National Bank not only participated in the events organised by the Ministry of Finance, but they also organised their own events for GMW2019. Throughout the Week, the Bank organised visits for high school students to the Bank and provided educational lectures. Additionally, a debate amongst the students on the theme “Financial Literacy Test as a Prerequisite for Borrowing: yes or no?” was organised and live-streamed.


2018 Croatia Global Money Week

LEADING ORGANISATIONS:

  • Ministry of Finance

PARTICIPATING ORGANISATIONS:

  • Association of Pension Funds and Pension Insurance (UMFO), Croatia Insurance DD, Croatian Banking Association, Croatian Chamber of Economy, Croatian Employres' Association, Croatian Financial Services Supervisory Agency (HANFA), Croatian Insurance Bureau (HUO), Croatian National Bank, Daily Newspaper “24 SATA”, Daily newspaper “Jutarnji List”, Education and Teacher Training Agency, ERGO Insurance DD, Faculty of Economics University of Osijek, Faculty of Economics, University of Zagreb, First School of Economy, Global Initiatives, Grawe Hrvatska DD, Leeds School of Business, Merkur Insurance DD, Ministry of Science and Education, Monthly magazine for Elementary School Pupils “Radost”, Radboud University Nijmegen, Secondary Economy School, Secondary School ‘Faust Vrančić’, Secondary School ‘Mate Balote’, Uniqa Insurance DD, University of colourado Boulder, Wiener Insurance Vienna Insurance Group DD, Zagreb Stock Exchange (ZSE), Štedopis Institute for Financial Education

NUMBER OF CHILDREN REACHED DIRECTLY:

  • 11

NUMBER OF PEOPLE REACHED INDIRECTLY:

  • 276 251

Ministry of Finance
During GMW2018, financial literacy awareness sessions were offered for children, youth and for adults. GMW in Croatia started with Financial Literacy Fair. A lot of secondary school and university students visited financial institutions, and representatives from finance industry visited many schools. The Zagreb Stock Exchange (ZSE) hosted secondary and university students from Croatia, Netherlands and USA. During the visit, students participated in interactive presentations, including three financial educational games. The ZSE also hosted a UNICEF CSR Academy meeting, where representatives from different industries discussed how to improve children's rights in their industry. Croatian Chamber of Economy (CCE), in cooperation with the Croatian Financial Services Supervisory Agency and the Ministry of Science and Education, organised a round table discussion, "Financial Literacy of Young People", and educational sessions to celebrate the Week. Additionally, the CCE and the City of Zagreb conducted a project, “Knowing More, Understanding Better”, where both teachers and pupils were invited to attend lectures and workshops. In addition to their participation in the roundtable discussion, representatives from HANFA acted as mentors to students participating in a debate, "Mediation in Insurance", at the University of Osijek and initiated financial literacy lecture at the University of Zagreb. Croatian Banking Association and Štedopis organised youth participation in the European Money Quiz, European-wide project led by European Banking Federation. Banks held events for children including workshops on financial education and visits to bank museum, and bankers hosted or interacted with university students. Association of Pension Funds and Pension Insurance (UMFO) along with partners reached 600 youth through presentations, lectures, round table discussions and participating in activities aiming improvement of overall level of financial literacy, particularly regarding young people. This included presentations and lectures for secondary school students in five schools in Zagreb. These interactive presentations were organised in cooperation with the Croatian Chamber of Economy (CCE). They were attended by around 200 students’ altogether, who were introduced to the concept of Pension funds and savings for golden age and its main activities. UMFO is continuously working throughout the year on projects related to financial literacy, such as educative articles in newspaper and lectures in the cities across Croatia. Also, UMFO representatives participated in a round-table discussion entitled "Financial literacy of young people", organised by the Croatian Chamber of Economy, where the focus lay on future endeavors regarding financial literacy. Other participants were representatives of schools and financial industry. UMFO representatives were also present at the kick-off event held on the premises of the Ministry of Science and Education. Insurance companies and the Croatian Insurance Bureau (HUO) continued with a series of activities in the insurance field. HUO participated at the Expert Conference held organised by the Ministry of Science and Education. As a follow-up to the Expert Conference, a fair was organised where educational materials were promoted and exhibited. HUO also organised a creative prize contest “Less Risk – More Fun”. The leaflet #InsureWisely was translated to Croatian and exhibited at the Expert Conference organised by the Ministry of Science and Education, and was distributed to insurance companies.


2017 Croatia Global Money Week

LEADING ORGANISATIONS:

PARTICIPATING ORGANISATIONS:

NUMBER OF CHILDREN REACHED DIRECTLY:

  • 18 896

NUMBER OF CHILDREN REACHED INDIRECTLY:

  • 500 000

The celebrations of GMW 2017 in Croatia began with the traditional roundtable discussion of stakeholders, organised by the Ministry of Science and Education and Ministry of Finance, with the latter continuing to lead the GMW campaign in Croatia.

Throughout the Week, the Ministry of Science and Education, along with partners, reached nearly half a million children and youth through an information letter regarding the celebration of the GMW and EMW 2017 that was sent to all primary and secondary schools in Croatia. Alongside actual visits to various financial institutions and informative visits of financial experts to schools, teachers were encouraged to mark the GMW by producing interactive learning materials regarding finance. Also, as a part of the celebration, one school in Zagreb produced several infographics.

The Croatian Chamber of Economy (CCE), in cooperation with the Ministry of Finance, Croatian Financial Services Supervisory Agency, Croatian Insurance Bureau, Croatian Employers’ Association, the Association of Managing Companies of Pension Funds and Pension Insurance Companies, Zagreb Stock Exchange and others, conducted a financial literacy awareness session. CCE prepared special promotional and educational materials for all participants. The most interesting is the Pilot Project promotional film “More knowing, better understanding,” which includes opinions of pupils about the Project. More than 40 different media channels were included in activities and events.

The Zagreb Stock Exchange (the ZSE) reached around 230 children and youth through visits to the ZSE. Besides educational visits, ZSE also organised a financial quiz for students. The best player won an educational reward - a one day seminar at the ZSE Academy. Young people were also able to engage themselves in the internet educational game called 'Virtual Stock Exchange'.

The Croatian National Bank (CNB) marked Global Money Week 2017 with a series of educational lectures related to consumer protection for almost 700 students from Croatian high schools. The objective of the lectures was to raise students' awareness on the importance of making informed decisions regarding the use of banking services with a sustainable approach to personal finance. The central event of the Global Money Week 2017 at the CNB was a public debate organised together with the Croatian Debate Society on the topic of "End of cash age - advantages vs. disadvantages". The audience, consisting of almost 200 high school students, also participated in the discussion and, at the end, decided the debate winner – pro cash team.

Štedopis, a non-profit organisation, and the Croatian Banking Association launched an online quiz (e-learning), “Online Payments,” with money for three weeks during the month of March in honor of Global Money Week, and will remain for future free use. Štedopis also hosted local financial education workshops for teens and students, as well as a show on national television to promote the free book “My money, my future,” which gives teens and young adults smart lessons about personal finance.

Furthermore, the Croatian Insurance Bureau (CIB) distributed the game “Less Risk-More Fun” to primary and secondary schools in the campaign “Knowledge is the best insurance”.


2016 Croatia Global Money Week

LEADING ORGANISATIONS:

PARTICIPATING ORGANISATIONS:

DATE OF THE EVENT:

  • 14th - 21th of March

TOTAL OF CHILDREN AND YOUTH ENGAGED:

  • 8 941

GMW2016 in the Republic of Croatia was coordinated by the Ministry of Finance and involved many other stakeholders from the governmental and financial sectors, including the Ministry of Economy, the Ministry of Science, Education and Sports, the Croatian National Bank and other organisations. Celebrations of the Week started with the traditional roundtable discussion on 14 March, organised by the Ministry of Finance and Ministry of Science, Education and Sport under the title: Financial Literacy and Youth. The main objective of GMW was to encourage the activities and systematic education of citizens, especially youth, in the field of financial literacy. During Global Money Week, a number of activities were organised including round tables, student visits to governmental and financial institutions, student debates, lectures for high school students across Croatia, prize contests, presentations and more. In addition, financial institutions assisted with informing the young citizens about the work of banks, insurers, pension funds, the Zagreb Stock Exchange and other financial institutions.

The Ministry of Science, Education and Sports sent a letter to the principals of schools regarding the celebration of the GMW and encouraged student visits to financial institutions, which were organised in order to inform students about their functions. The Croatian Chamber of Economy organised a conference “Financial Literacy and higher education institutions” in cooperation with the Faculty of Economy in Osijek and the Legal – Economic Clinic in Osijek, as well as other lectures and roundtables during the Week, along with the Zagreb Stock Exchange (ZSE) who hosted educational student visits throughout the Week. Moreover, the Croatian National Bank conducted public debates, panel discussions and a symposium “FORCA 2016: Financial Education – Prudential Life Cycle Activity” on 17 March, as well as special lectures for more than 700 higher grade students of the secondary school from around the country.

The Croatian Banking Association published a Financial Guide for Youth and Infographics on Financial Literacy Measurement results conducted by regulators. Banks hosted students, mostly high school or university students, by holding presentations and lectures for visiting classes, while some bankers visited the schools directly.

Many other events were organised by the Croatian Insurance Bureau, the Croatian Financial Services Supervisory Agency (HANFA), the Association of Managing Companies of Pension Funds and Pension Insurance Companies (UMFO) and other organisations.

Society “Our children” Opatija, together with Children City Council Opatija and Children’s Forums of Society “Our Children” Opatija, conducted workshops with children in primary schools on the subjects: “Money and Local Community”, “Money, Saving and Budget”, “My Piggy Bank for Future” and “Learning About Money and Saving”. The objective of the workshops was to raise awareness about the importance of saving by educating children about the history of money, local community and household money flow, differences between needs and wants and the importance of thinking about the future and saving resources. The events aimed to raise awareness about the importance of saving different resources and taking care of the planet and our future, emphasizing that every little act can make big difference. Children from Children’s Forums and Children’s City Council Opatija were also encouraged to take part in GWM Selfie Challenge.

“Save natural resources. If we use them all, we can’t buy them.” Student, Croatia
“Don’t pollute air, use clean resources, we cannot buy fresh air!”Student, Croatia.

2015 Croatia Global Money Week

PARTICIPANTS:

DATE OF THE EVENT:

  • 9th - 17th of March

NUMBER OF CHILDREN REACHED:

  • 10 402

Croatia celebrated Global Money Week for the second time with numerous activities aimed at raising the levels of financial literacy in the country. On 9 March, the celebrations started with a roundtable discussion on ‘Financial literacy – path to contented citizens’ organised by the Ministry of Finance and the Ministry of Science, Education and Sport of Croatia. At the round table, the Ministry of Finance presented the National Strategic Framework for Consumer Financial literacy for the period 2015 - 2020 and the Action Plan for the Improvement of Consumer Financial Literacy in 2015. These documents represent the basis of financial literacy in Croatia.

Several ministries and associations organised activities during the Global Money Week with the aim to raise the awareness about managing personal finance and finance knowledge amongst youth and children. Ministry of Science, Education and Sports encouraged primary and secondary schools all over the country to get involved in the celebrations and participate in visits to commercial banks’ branches where children could learn about banking system and their work. Based on the recommendations of the Adoption of the Programme of Interdisciplinary Curricular Content of the Civic Education in Primary and Secondary Schools, 31 Croatian schools introduced Civil Education, an experimental optional programme, for the students in 8th grade. In cooperation with European Commission, Ministry of Economy conducted activities under the campaign "Consumers learn about your rights".

Representatives of Croatian Financial Services Supervisory Agency participated in two round tables discussions on financial literacy and organised a debate on “Pension savings - optimal investment strategy”. Croatian National Bank conducted special lectures for more than 300 higher grade students of secondary schools on the topic "Your money - your safety”, a financial education activity in the function of consumer protection. The National Bank also prepared two information leaflets for students who participated in lectures during the week. The leaflet on savings "Your money - your safety" provides students with information on the current regulations for deposit operations, while the other leaflet provides information on the capabilities of the central bank in the framework of complying with consumer complaints, titled "What to do if you have a complaint against the conduct of the credit institution?"

The Croatian Insurance Bureau and insurance companies took an active involvement in the celebrations by conducting lectures for students in different regions of Croatia. Croatian Employers' Association organised workshop for its members on the subject of availability of financial services for entrepreneurs and the importance of knowing the financial market offerings. Zagreb Stock Exchange also organised visits for the students from several high schools.

The Croatian Banking Association focused their activities on educating young citizens about the basics of finance. They also prepared educational materials on personal finance and economy. Member-banks organised activities such as lectures, roundtables, visits to the banks, museum and exhibitions about money, involving more than 6000 participants.

Erste Group Bank AG & Croatia organised an interactive exhibition “The ABC of Money” at the Technical Museum in Zagreb. The exhibition primarily aimed at children provided an opportunity to understand the financial world in an innovative and educational manner. The children learnt to pan gold, trade in the stock market, open a savings account, repay a loan by cycling, print a bank note, how to save and give donation and much more. From 10-13 March, Erste Group Bank AG & Croatia organised visits for the school children to the exhibition. The exhibition was created by ZOOM Children’s Museum Vienna in cooperation with FRida & freD Children’s Museum Graz and was initiated by Erste Group as part of the Sponsoring VALUE Programme.

Society “Our children” Opatija and Children City Council Opatija also organised a variety of events during the Week, including holding workshops and information stands in Grammar Schools in the region, and organising a visit of the Governor of the Erste & Steiermärkische Bank Opatija to the Children City Council Opatija on 13 March.

2014 Croatia Global Money Week

PARTICIPANTS:

DATE OF THE EVENT:

  • 10th - 17th of March

NUMBER OF CHILDREN REACHED:

  • 300

Croatia celebrated Global Money Week for the first time this year with an inauguration round table discussion called "Reaching Financial Literacy through Financial Education" (Croatian "Financijskim obrazovanjem do financijske pismenosti") held at the Ministry of Science, Education and Sports’ premises, joined by the representatives of the Ministry of Finance, Ministry of Economy, Croatian National Bank, Croatian Financial Services Supervisory Agency, Croatian Insurance Bureau, Croatian Banking Association and Croatian Employers' Association. The importance of child and youth financial education was the main topic of discussion. Another round table was held in by the Croatian Banking Association and magazine Banka on "Banks in Economy: Who will Take the Risk".

The Croatian Banking Association held a panel discussion called "Money, Banks, Financialization" ("Novac, banke, financijalizacija") at a public library in Zagreb. Prior to the event, the Ministry of Science, Education and Sports sent a letter to all high schools informing them of the celebration and the possibilities to learn more about the Week and financial issues.

A "Croatian Employers' Association Working Lunch" was held in Zagreb where a discussion on monetary and fiscal issues concerning the youth. At the University of Rijeka, in the Faculty of Law, the Croatian Insurance Bureau held a lecture for students on financial literacy, while at the University of Zagreb, Faculty of Economics, the Croatian Insurance Bureau held a lecture for students on financial literacy.

During the week, high school students visited the Croatian National Bank, Zagreb Stock Exchange, as well as some commercial banks and insurers where they learnt about the different aspects of their financial responsibilities and options.

Publications, designed for different age groups, were produced and distributed by the Croatian Banking Association and the Croatian Insurance Bureau who distributed the "Mini Banking Dictionary" for children and "What is the Actual Purpose of Insurance, respectively.

GMW countdown 8


Deprecated: htmlspecialchars(): Passing null to parameter #1 ($string) of type string is deprecated in /home/cyfiadm/public_html/modules/mod_jbcookies/mod_jbcookies.php on line 97