@prefix : . @prefix owl: . @prefix rdf: . @prefix xml: . @prefix xsd: . @prefix rdfs: . @base . rdf:type owl:Ontology ; owl:versionIRI ; """The Financial Competence Framework ontology (FCO), described using W3C RDF Schema and the Web Ontology Language OWL. FCO aims to conform as closely as possible to the European Union/OECD (2022), Financial Competence Framework for adults in the European Union Release Notes: - Version 0.1 Initial Release. Defines the main classes, object and data properties of the FCO ontology """ ; "application/rdf+xml" ; "Copyright © 2026 Open Risk" ; "Financial Competence Ontology" ; "FCO is an ontology of financial competences for adults in the European Union" ; "Open Risk. We welcome contributors to the Financial Competence Ontology!" ; "Creative Commons Attribution 3.0 (CC BY 3.0)" ; ; rdfs:comment "The FCO Ontology is Conforming to the EU/OECD Specification" ; rdfs:isDefinedBy ; rdfs:label "A Financial Competence Ontology" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence_Framework" ; owl:versionInfo "0.1" . ################################################################# # Annotation properties ################################################################# ### http://purl.org/dc/elements/1.1/description rdf:type owl:AnnotationProperty . ### http://purl.org/dc/elements/1.1/format rdf:type owl:AnnotationProperty . ### http://purl.org/dc/elements/1.1/rights rdf:type owl:AnnotationProperty . ### http://purl.org/dc/elements/1.1/title rdf:type owl:AnnotationProperty . ### http://purl.org/dc/terms/abstract rdf:type owl:AnnotationProperty . ### http://purl.org/dc/terms/contributor rdf:type owl:AnnotationProperty . ### http://purl.org/dc/terms/license rdf:type owl:AnnotationProperty . ### http://purl.org/dc/terms/references rdf:type owl:AnnotationProperty . ################################################################# # Object Properties ################################################################# ### https://www.openriskmanual.org/ns/fco/has_context rdf:type owl:ObjectProperty ; rdfs:domain ; rdfs:range ; rdfs:comment "The Context of a Financial Competency" ; rdfs:isDefinedBy ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/has_type rdf:type owl:ObjectProperty , owl:FunctionalProperty ; rdfs:domain ; rdfs:range ; rdfs:comment "The Type of a Competency" ; rdfs:isDefinedBy ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/in_domain rdf:type owl:ObjectProperty , owl:FunctionalProperty ; rdfs:domain ; rdfs:range ; rdfs:comment "Competency is in Domain" ; rdfs:isDefinedBy ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/relates_to rdf:type owl:ObjectProperty ; rdfs:domain ; rdfs:range ; rdfs:comment "Competency relates to Financial Concept" ; rdfs:isDefinedBy ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/subdomain_of rdf:type owl:ObjectProperty , owl:FunctionalProperty ; rdfs:domain ; rdfs:range ; rdfs:comment "SubDomain of a broader Domain" ; rdfs:isDefinedBy ; owl:versionInfo "0.1" . ################################################################# # Classes ################################################################# ### https://www.openriskmanual.org/ns/fco/Competence rdf:type owl:Class ; rdfs:subClassOf owl:Thing ; rdfs:comment "Class encoding a concrete financial competence. Financial Competence denotes that an individual has the knowledge and skills needed to perform a financial task, do a job, alongside with the interpersonal skills and general awareness or wisdom required to operate effectively in a modern Financial System. It is usually thought as a collection of related competences in an overall Financial Competence Framework" ; rdfs:isDefinedBy ; rdfs:label "Competence" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/CompetenceContext rdf:type owl:Class ; rdfs:subClassOf owl:Thing ; rdfs:comment "Class encoding a financial competency Context. Beyond the usage of a general purpose framework, financial competences may need further specification in concrete contexts, where the general approach might be too vague, high-level or ill-adapted." ; rdfs:isDefinedBy ; rdfs:label "Competence Context" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/CompetenceDomain rdf:type owl:Class ; rdfs:subClassOf owl:Thing ; rdfs:comment "Class encoding a financial competency domain. Financial competencies span a vast range. Categorization into taxonomies helps organize competencies in a logical manner." ; rdfs:isDefinedBy ; rdfs:label "Competence Domain" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence_Framework" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/CompetenceSubTopic rdf:type owl:Class ; rdfs:subClassOf ; rdfs:comment "Class encoding a narrower financial competency subdomain, a Subtopic" ; rdfs:isDefinedBy ; rdfs:label "Competence SubTopic" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence_Framework" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/CompetenceTopic rdf:type owl:Class ; rdfs:subClassOf ; rdfs:comment "Class encoding a financial competency subdomain, a Topic" ; rdfs:isDefinedBy ; rdfs:label "Competence Topic" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence_Framework" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/CompetenceType rdf:type owl:Class ; rdfs:subClassOf owl:Thing ; rdfs:comment "Class encoding a financial competency Type. A typical, widely used competency type classification system is KSA (Knowledge, Skils and Attitudes), which differentiates on the basis of the nature of a competency, the manner in which it is expressed by an individual person. A broad distinction of competence types is between internal mental processes and psychological dispositions versus external (observable) behaviors and ability (skill) to complete tasks." ; rdfs:isDefinedBy ; rdfs:label "Competence Type" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FinancialConcept rdf:type owl:Class ; rdfs:subClassOf owl:Thing ; rdfs:comment "Class encoding a financial literacy concept. Concepts span a range of domains: financial system technologies, information artifacts, standard procedures, economic actors and economic phenomena" ; rdfs:isDefinedBy ; rdfs:label "Financial Concept" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Category:Financial_Business_and_Commerce" ; owl:versionInfo "0.1" . ################################################################# # Individuals ################################################################# ### https://www.openriskmanual.org/ns/fco/Awareness_Knowledge_and_Understanding rdf:type owl:NamedIndividual , ; rdfs:comment "The dimension awareness/knowledge/understanding covers competences that are related to knowledge or informational aspects (to be aware of certain information or to be knowledgeable about a topic)" ; rdfs:isDefinedBy ; rdfs:label "Awareness, Knowledge and Understanding" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/Confidence_Motivation_and_Attitudes rdf:type owl:NamedIndividual , ; rdfs:comment "The category confidence/motivation/attitudes seeks to capture the internal decision-making that supports or hinders financial behaviour to achieve or maintain financial well-being." ; rdfs:isDefinedBy ; rdfs:label "Confidence, Motivation and Attitudes" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/Daily_Life_Competences rdf:type owl:NamedIndividual , ; rdfs:comment "In order to make the framework easier to navigate and use for policy makers and practitioners, it specifies competences that are particularly relevant to: (i) daily life and/or to current or future financial well-being; and to (ii) a majority of the adult population. For instance, most of the competences in the ‘money and transactions’, ‘planning and managing finances’ or ‘financial landscape’ content area, as well as some competences in the “risk and reward” content area (e.g. insurance and safety nets) are relevant for the daily life of most adults (i.e. relevant for (i) and (ii)). In contrast, competences related to foreign exchange are relevant only for certain adults (i.e. only relevant for (i))" ; rdfs:label "Daily Life Competences" . ### https://www.openriskmanual.org/ns/fco/Digital_Competences rdf:type owl:NamedIndividual , ; rdfs:comment "Digital financial competences refer to competences related to digital financial services, digital tools relevant for personal finance, digital assets or any other competence related to digital media with relevance for personal finance. Digital competences are cross-cutting and relevant across the framework. These competences are therefore integrated horizontally throughout the content areas and sections instead of being grouped in a specific section on digital financial competences. Particular attention has been devoted to formulating competences in a flexible way to take into account potential future developments. Examples of digital financial competences that have been added include competences on digital currencies, digital tools and payment methods, crypto-assets, personal data and personal data protection, digital financial products and services, robo advice, online scams and fraud, and cyber risks." ; rdfs:label "Digital Competences" . ### https://www.openriskmanual.org/ns/fco/FCO.1 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware that money can take different forms" ; rdfs:isDefinedBy ; rdfs:label "FCO.1" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.10 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Exchanges obsolete notes and coins for new ones within time limit set for such an exchange" ; rdfs:isDefinedBy ; rdfs:label "FCO.10" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.100 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware that purchased goods or services might have different environmental and social impacts" ; rdfs:isDefinedBy ; rdfs:label "FCO.100" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.101 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Factors one's environmental, social and governance preferences in the decision to purchase a good or a service" ; rdfs:isDefinedBy ; rdfs:label "FCO.101" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.102 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Motivated to learn more about the origin, production conditions, environmental and social impacts of a good or service if relevant, as well as the governance performance of the company offering it" ; rdfs:isDefinedBy ; rdfs:label "FCO.102" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.103 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Motivated when applicable to question the information about environmental and social impacts, and governance performance disclosed by the seller if relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.103" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.104 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands the legal implications of signing a contract or agreeing to the terms and conditions when buying an asset, a product or service" ; rdfs:isDefinedBy ; rdfs:label "FCO.104" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.105 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that an electronic signature can have the same legal value as a signature in person" ; rdfs:isDefinedBy ; rdfs:label "FCO.105" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.106 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "If comfortable, signs contracts in paper or, where relevant, in electronic form" ; rdfs:isDefinedBy ; rdfs:label "FCO.106" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.107 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Checks financial records and contracts before filing them in an orderly and accessible way" ; rdfs:isDefinedBy ; rdfs:label "FCO.107" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.108 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , , ; rdfs:comment "If needed, willing to ask for advice before signing a contract in paper or, where relevant, in electronic form." ; rdfs:isDefinedBy ; rdfs:label "FCO.108" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.109 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the importance of keeping certain documents in a place where they can be referred to if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.109" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.11 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Has developed the right attitude when confronted with counterfeit money" ; rdfs:isDefinedBy ; rdfs:label "FCO.11" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.110 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "In the case of documents in electronic format, is aware of the existence of cloud storage and of the implications of storing documents on cloud storage facilities (e.g. security and cost implications)" ; rdfs:isDefinedBy ; rdfs:label "FCO.110" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.111 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Can retrieve documents when necessary, including if they are stored on cloud storage facilities" ; rdfs:isDefinedBy ; rdfs:label "FCO.111" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.112 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Queries uncertainties relating to financial records and contracts and asks for any errors to be corrected" ; rdfs:isDefinedBy ; rdfs:label "FCO.112" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.113 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Asks for financial records and written contracts when not provided" ; rdfs:isDefinedBy ; rdfs:label "FCO.113" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.114 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Keeps multiple backups of financial records, including in electronic format" ; rdfs:isDefinedBy ; rdfs:label "FCO.114" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.115 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that very recent transactions may not yet have been reflected in the latest consulted financial statement" ; rdfs:isDefinedBy ; rdfs:label "FCO.115" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.116 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Regularly tracks expenses and expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.116" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.117 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Distinguishes between fixed and variable expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.117" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.118 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Treats essential spending as a higher priority than discretionary spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.118" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.119 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Keeps any business income and expenditure separate from that of the household" ; rdfs:isDefinedBy ; rdfs:label "FCO.119" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.12 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Knows how to apply exchange rates to convert currencies" ; rdfs:isDefinedBy ; rdfs:label "FCO.12" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.120 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows what a budget is, how to create one and why it is beneficial to do so" ; rdfs:isDefinedBy ; rdfs:label "FCO.120" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.121 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of reliable budgeting tools developed by impartial providers, including mobile apps and other digital budgeting tools and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.121" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.122 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands why it is important to take into account the medium and longer-term perspectives when budgeting" ; rdfs:isDefinedBy ; rdfs:label "FCO.122" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.123 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Identifies “needs” and “wants” and prioritizes as necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.123" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.124 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Creates a regular budget to plan income, saving and expenditure, using appropriate tools if available" ; rdfs:isDefinedBy ; rdfs:label "FCO.124" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.125 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Regularly uses reliable budgeting tools, including mobile apps or other digital tools, developed by impartial providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.125" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.126 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to take time to create and follow a budget as a strategy for maintaining or increasing financial well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.126" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.127 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to consider the overall budget when making spending decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.127" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.128 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Motivated to look beyond immediate needs and wants when budgeting to prepare for longer-term requirements" ; rdfs:isDefinedBy ; rdfs:label "FCO.128" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.129 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident to adjust a budget if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.129" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.13 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Knows that transaction fees, commission and exchange rates vary across time and providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.13" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.130 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands why it is important to actively manage money in addition to monitoring income and expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.130" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.131 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that family, community and socio-cultural values and customs can influence the way in which people manage their money" ; rdfs:isDefinedBy ; rdfs:label "FCO.131" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.132 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Compares actual expenses against budgeted amounts and makes adjustments to the budget or to expenses where necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.132" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.133 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Seeks ways of adjusting income or expenditure as necessary, taking into account occasional expenses such as gifts, donations or holidays." ; rdfs:isDefinedBy ; rdfs:label "FCO.133" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.134 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to make independent decisions about income and expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.134" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.135 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to set personal priorities in terms of essential and discretionary expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.135" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.136 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Accepts the responsibility of managing individual and possibly household finances" ; rdfs:isDefinedBy ; rdfs:label "FCO.136" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.137 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Comfortable discussing planning and managing finances with significant others" ; rdfs:isDefinedBy ; rdfs:label "FCO.137" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.138 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to act on behalf of others to manage their financial affairs if given the legal responsibility to do so" ; rdfs:isDefinedBy ; rdfs:label "FCO.138" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.139 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands that different life stages and particular personal or household events may affect income and expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.139" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.14 rdf:type owl:NamedIndividual , ; ; ; ; , , , , ; rdfs:comment "Understands the impact of varying exchange rates on remittances, foreign travel or foreign purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.14" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.140 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands the importance of actively planning for occasional irregular expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.140" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.141 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the possible options for paying unexpected expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.141" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.142 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows how much money would be needed to cover expenses in the event of a loss of income" ; rdfs:isDefinedBy ; rdfs:label "FCO.142" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.143 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Seeks ways of adjusting income or expenditure as necessary, taking into account occasional expenses and possible income fluctuations" ; rdfs:isDefinedBy ; rdfs:label "FCO.143" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.144 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Can identify and choose the best option for paying unexpected expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.144" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.145 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes informed decisions about the use of exceptional income and assets received such as gifts, prizes or inheritance" ; rdfs:isDefinedBy ; rdfs:label "FCO.145" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.146 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands the benefits of saving, of having savings goals and a plan to achieve them" ; rdfs:isDefinedBy ; rdfs:label "FCO.146" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.147 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the benefits of starting to save from a young age and saving regularly" ; rdfs:isDefinedBy ; rdfs:label "FCO.147" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.148 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Understands the concept of treating personal saving as a financial commitment, sometimes described as “pay yourself first”" ; rdfs:isDefinedBy ; rdfs:label "FCO.148" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.149 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Identifies a specific savings goal with a time frame and an approach to achieve it" ; rdfs:isDefinedBy ; rdfs:label "FCO.149" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.15 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the existence of currency converter tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.15" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.150 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Strives to save each time income is received" ; rdfs:isDefinedBy ; rdfs:label "FCO.150" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.151 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Prioritises saving ahead of some forms of discretionary spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.151" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.152 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to set own savings targets based on realistic aspirations and believes it is possible to reach those saving targets" ; rdfs:isDefinedBy ; rdfs:label "FCO.152" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.153 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Sees saving as a basic component of a household budget" ; rdfs:isDefinedBy ; rdfs:label "FCO.153" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.154 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands the benefit of having emergency savings to cover financial shocks" ; rdfs:isDefinedBy ; rdfs:label "FCO.154" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.155 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Some savings in a highly accessible or liquid form" ; rdfs:isDefinedBy ; rdfs:label "FCO.155" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.156 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to have emergency savings to manage financial shocks" ; rdfs:isDefinedBy ; rdfs:label "FCO.156" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.157 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Values the additional financial resilience created through saving" ; rdfs:isDefinedBy ; rdfs:label "FCO.157" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.158 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Satisfied with current savings buffer or motivated to increase it" ; rdfs:isDefinedBy ; rdfs:label "FCO.158" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.159 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands the impact of compound interest on savings and the savings methods that make it possible to benefit from it" ; rdfs:isDefinedBy ; rdfs:label "FCO.159" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.16 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Can convert prices expressed in different currencies" ; rdfs:isDefinedBy ; rdfs:label "FCO.16" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.160 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Continues to save even in a low interest rate environment" ; rdfs:isDefinedBy ; rdfs:label "FCO.160" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.161 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Takes care to consider the real interest rate on savings held" ; rdfs:isDefinedBy ; rdfs:label "FCO.161" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.162 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Uses reliable and impartial digital comparison tools to compare interest rates, fees and other characteristic of saving account options and evaluate their impact on savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.162" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.163 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows about the different savings options available [or can find out easily]" ; rdfs:isDefinedBy ; rdfs:label "FCO.163" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.164 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows that different savings products may offer different combinations of fees, interest rates and tax relief and imply different types of risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.164" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.165 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows that savings products may have different sustainability characteristics (environmental, social and corporate governance aspects)" ; rdfs:isDefinedBy ; rdfs:label "FCO.165" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.166 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows where to access suitable savings products" ; rdfs:isDefinedBy ; rdfs:label "FCO.166" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.167 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Understands that the choice of a particular savings or investing option may partly depend on the anticipated time horizon for reaching a savings goal" ; rdfs:isDefinedBy ; rdfs:label "FCO.167" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.168 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows how to assess the security of different savings methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.168" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.169 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that funds deposited on a bank account up to 100,000 EUR per person and per institution are protected under the deposit guarantee scheme" ; rdfs:isDefinedBy ; rdfs:label "FCO.169" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.17 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Takes into account fees and the exchange rate when deciding how to remit or exchange money" ; rdfs:isDefinedBy ; rdfs:label "FCO.17" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.170 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Takes precautions to keep saved money safe" ; rdfs:isDefinedBy ; rdfs:label "FCO.170" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.171 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Chooses saving products in line with one’s preferences, including sustainability preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.171" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.172 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident in choosing savings products in line with one’s preferences, including sustainability preferences, or asking advice if needed" ; rdfs:isDefinedBy ; rdfs:label "FCO.172" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.173 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of reliable digital tools developed by impartial providers designed to help save on a regular basis" ; rdfs:isDefinedBy ; rdfs:label "FCO.173" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.174 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Monitors the growth of savings and makes adjustments if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.174" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.175 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Keeps informed about existing personal financial management tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.175" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.176 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Uses reliable and impartial digital tools to support saving decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.176" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.177 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Motivated to use tools that support financial decision making and improve one’s financial behaviour" ; rdfs:isDefinedBy ; rdfs:label "FCO.177" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.178 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Knows the difference between saving and investing, and between debt and equity" ; rdfs:isDefinedBy ; rdfs:label "FCO.178" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.179 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that some forms of investment are more liquid than others" ; rdfs:isDefinedBy ; rdfs:label "FCO.179" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.18 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Confident to handle transactions in different currencies" ; rdfs:isDefinedBy ; rdfs:label "FCO.18" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.180 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Knows that the value of an investment may increase or decrease" ; rdfs:isDefinedBy ; rdfs:label "FCO.180" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.181 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Knows that different types of fees and charges (one-time and ongoing, direct and indirect) can have a substantial impact on the performance of an investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.181" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.182 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands how changes in inflation, interest rates and/or exchange rates may impact on longer-term plans" ; rdfs:isDefinedBy ; rdfs:label "FCO.182" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.183 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands the difference between potential (unrealised) and realised losses or gains" ; rdfs:isDefinedBy ; rdfs:label "FCO.183" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.184 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the additional risks of making uninformed investment decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.184" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.185 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , , ; rdfs:comment "Understands basic investing concepts such as time-value of money, risk tolerance, investment horizon, and investment objectives" ; rdfs:isDefinedBy ; rdfs:label "FCO.185" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.186 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Can calculate the proportionate increase or decrease of the value of an investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.186" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.187 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to consider whether specific goals can be met by investing" ; rdfs:isDefinedBy ; rdfs:label "FCO.187" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.188 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident not to invest if one does not understand the financial product or service" ; rdfs:isDefinedBy ; rdfs:label "FCO.188" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.189 rdf:type owl:NamedIndividual , ; ; ; ; , , , , ; rdfs:comment "Understands that the same stock or fund can have a different purchase/selling price at different points in time" ; rdfs:isDefinedBy ; rdfs:label "FCO.189" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.19 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Compares exchange rates from different providers in search for the best quotation" ; rdfs:isDefinedBy ; rdfs:label "FCO.19" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.190 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows the characteristics of various investment products including levels of risk, liquidity, expected performance and sustainability features or can find out easily" ; rdfs:isDefinedBy ; rdfs:label "FCO.190" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.191 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows that fees, commissions and other charges may be made for investment products and services and that these items may vary depending on the provider and the sales channel" ; rdfs:isDefinedBy ; rdfs:label "FCO.191" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.192 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that prices for the same investment product may vary across providers and sales channels" ; rdfs:isDefinedBy ; rdfs:label "FCO.192" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.193 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows that different investment products may have different sustainability characteristics (environmental, social and corporate governance)" ; rdfs:isDefinedBy ; rdfs:label "FCO.193" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.194 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands the benefits of holding a diversified portfolio of investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.194" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.195 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows why it is important to consider overall asset allocation when investing" ; rdfs:isDefinedBy ; rdfs:label "FCO.195" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.196 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that various brokers and trading tools exist that can be accessed through different traditional and digital means" ; rdfs:isDefinedBy ; rdfs:label "FCO.196" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.197 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Considers risk, performance, costs and other investment characteristics when managing and monitoring investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.197" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.198 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Monitors investments periodically and makes adjustments as necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.198" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.199 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Able to incorporate personal preferences with respect to investment goal, risk tolerance, time horizon and sustainability, when making an investment decision." ; rdfs:isDefinedBy ; rdfs:label "FCO.199" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.2 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the meaning of legal tender" ; rdfs:isDefinedBy ; rdfs:label "FCO.2" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.20 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , , ; rdfs:comment "Knows about the sources of earned and unearned income, including available government benefits and the requirements for receiving them" ; rdfs:isDefinedBy ; rdfs:label "FCO.20" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.200 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Can retrieve relevant and reliable information to inform investment decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.200" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.201 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Researches potential investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.201" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.202 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Creates a diversified portfolio" ; rdfs:isDefinedBy ; rdfs:label "FCO.202" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.203 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , , ; rdfs:comment "Is able to combine various investment products such as pensions, life insurance policies, endowments, collective investment schemes or other investment products where appropriate" ; rdfs:isDefinedBy ; rdfs:label "FCO.203" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.204 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident and motivated to undertake research on potential investments before committing" ; rdfs:isDefinedBy ; rdfs:label "FCO.204" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.205 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Confident and motivated to compare the level of sustainability of investment products using for example other standards, labels or ratings" ; rdfs:isDefinedBy ; rdfs:label "FCO.205" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.206 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident and motivated to question investment offers that appear too good to be true" ; rdfs:isDefinedBy ; rdfs:label "FCO.206" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.207 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident and motivated to compare the investment portfolio composition of pension funds, life insurance policies, endowments, collective investment schemes or other investment products in order to assess their suitability in a holistic way" ; rdfs:isDefinedBy ; rdfs:label "FCO.207" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.208 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident and motivated to not to let one’s own investment behavior be guided by fear of missing out" ; rdfs:isDefinedBy ; rdfs:label "FCO.208" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.209 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Willing to provide relevant personal information to the intermediary for a suitability assessment" ; rdfs:isDefinedBy ; rdfs:label "FCO.209" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.21 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands why an individual’s net income may fluctuate" ; rdfs:isDefinedBy ; rdfs:label "FCO.21" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.210 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the existence of different types of crypto-assets and has a basic understanding of how to access and exchange them" ; rdfs:isDefinedBy ; rdfs:label "FCO.210" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.211 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of risks related to using crypto-assets for payment or investment purposes, and of the risks related to “crypto exchange platforms” (such as technological or other risks), which can have significant financial consequences" ; rdfs:isDefinedBy ; rdfs:label "FCO.211" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.212 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware that scams related to crypto-assets occur frequently, often trying to attract potential victims by promising high expected returns" ; rdfs:isDefinedBy ; rdfs:label "FCO.212" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.213 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "If relevant, knows how to use different types of crypto-assets safely and in compliance with applicable law" ; rdfs:isDefinedBy ; rdfs:label "FCO.213" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.214 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Keeps abreast of developments related to emerging technologies relevant for financial products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.214" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.215 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the rights and benefits associated to holding a share of a company" ; rdfs:isDefinedBy ; rdfs:label "FCO.215" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.216 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the rights of shareholders to influence the decisions of a company, including on its sustainability performance" ; rdfs:isDefinedBy ; rdfs:label "FCO.216" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.217 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the possibility and requirements to participate in collective shareholder actions, and of digital tools to do so" ; rdfs:isDefinedBy ; rdfs:label "FCO.217" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.218 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "If relevant, can take steps to engage with companies during annual general shareholder meetings or through collective shareholder actions, in line with one´s own sustainability and other preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.218" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.219 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware about existing sustainable investment products on the market" ; rdfs:isDefinedBy ; rdfs:label "FCO.219" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.22 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Can identify legal ways to increase income" ; rdfs:isDefinedBy ; rdfs:label "FCO.22" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.220 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware about the different dimensions of sustainability (environment, social and governance) and about the principles behind each of these dimensions" ; rdfs:isDefinedBy ; rdfs:label "FCO.220" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.221 rdf:type owl:NamedIndividual , ; ; ; ; , , , , ; rdfs:comment "Aware that different investment strategies can be used to invest according to one’s own environmental, social and corporate governance (sustainability) preferences, for instance by avoiding investments in certain sectors or companies (divestment), or engaging with certain companies to make them change their activities (engagement)" ; rdfs:isDefinedBy ; rdfs:label "FCO.221" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.222 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Looks for investment products in line with one’s own sustainability preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.222" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.223 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Picks an investment strategy in terms of divestment or engagement or combination of both according to one's personal situation and preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.223" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.224 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Asks follow-up questions to an advisor on sustainability related aspects of investment products" ; rdfs:isDefinedBy ; rdfs:label "FCO.224" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.225 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Researches and compares sustainability attributes of potential saving and investment products" ; rdfs:isDefinedBy ; rdfs:label "FCO.225" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.226 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Motivated to research the products one already holds or plans to invest in, to ensure that they meet personal sustainability preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.226" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.227 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to ask questions about the extent to which an investment product meets sustainability criteria" ; rdfs:isDefinedBy ; rdfs:label "FCO.227" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.228 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Aware that the value of investments in material goods such as gold may increase or decrease as a result of a range of factors" ; rdfs:isDefinedBy ; rdfs:label "FCO.228" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.229 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Keeps an eye on changes in the price of goods held as investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.229" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.23 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands how assets or investments can provide a source of income" ; rdfs:isDefinedBy ; rdfs:label "FCO.23" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.230 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware that human characteristics such as emotions or cognitive biases can impact on investing decisions in unanticipated ways" ; rdfs:isDefinedBy ; rdfs:label "FCO.230" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.231 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Aware of the risks related to social trading" ; rdfs:isDefinedBy ; rdfs:label "FCO.231" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.232 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes steps to make informed decisions, control emotional responses and takes into account cognitive biases when making investment decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.232" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.233 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the importance of having an eye on the longer-term even when short-term needs are pressing" ; rdfs:isDefinedBy ; rdfs:label "FCO.233" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.234 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that long-term planning may require different types of financial product from those used for emergency savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.234" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.235 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Recognises that the actions needed to achieve longer-term plans may need adjusting over time" ; rdfs:isDefinedBy ; rdfs:label "FCO.235" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.236 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the importance of making plans for the end of life including considering the financial requirements of dependents, making decisions about how outstanding costs, debts and assets should be distributed, and writing a will, where relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.236" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.237 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes financial plans for future positive and negative life events that are likely to have financial consequences" ; rdfs:isDefinedBy ; rdfs:label "FCO.237" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.238 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Identifies strategies to take action [overcome procrastination] when making longer-term plans" ; rdfs:isDefinedBy ; rdfs:label "FCO.238" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.239 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Identifies strategies to balance immediate needs and wants with longer-term plans, so to achieve longer-term financial goals" ; rdfs:isDefinedBy ; rdfs:label "FCO.239" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.24 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Declares all sources of income to tax authorities" ; rdfs:isDefinedBy ; rdfs:label "FCO.24" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.240 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Monitors the changing value of investments, assets and liabilities" ; rdfs:isDefinedBy ; rdfs:label "FCO.240" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.241 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account predictable fluctuations in income and expenditure when making longer-term plans" ; rdfs:isDefinedBy ; rdfs:label "FCO.241" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.242 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account all personal and household assets and liabilities when considering longer-term needs" ; rdfs:isDefinedBy ; rdfs:label "FCO.242" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.243 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Takes into account the possibility that family or community members will need financial support in the longer-term" ; rdfs:isDefinedBy ; rdfs:label "FCO.243" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.244 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Puts plans in place to cover current living expenses for dependents and arrange for the distribution of outstanding costs, debts and assets at the end of life, and checks these from time to time" ; rdfs:isDefinedBy ; rdfs:label "FCO.244" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.245 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Values long-term financial planning as a way of maintaining or increasing financial well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.245" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.246 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to make changes to longer-term financial plans if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.246" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.247 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to put long term financial plans into action" ; rdfs:isDefinedBy ; rdfs:label "FCO.247" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.248 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to consider the longer-term financial needs of dependents" ; rdfs:isDefinedBy ; rdfs:label "FCO.248" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.249 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands why it is important to consider ways of ensuring financial security beyond working age and start saving for retirement from a young age" ; rdfs:isDefinedBy ; rdfs:label "FCO.249" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.25 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Comfortable discussing income with others when necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.25" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.250 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes plans to achieve financial security beyond working age" ; rdfs:isDefinedBy ; rdfs:label "FCO.250" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.251 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account all likely relevant resources and commitments when planning for retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.251" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.252 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to plan for retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.252" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.253 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Appreciates the importance of balancing current standard of living and spending choices with goal of achieving improved financial choices later in life" ; rdfs:isDefinedBy ; rdfs:label "FCO.253" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.254 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows who is entitled to a state pension and how much it is" ; rdfs:isDefinedBy ; rdfs:label "FCO.254" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.255 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Has a good understanding of the main types of public and private pensions available nationally" ; rdfs:isDefinedBy ; rdfs:label "FCO.255" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.256 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows the difference between optional and compulsory retirement savings, and the difference between occupational and individual schemes" ; rdfs:isDefinedBy ; rdfs:label "FCO.256" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.257 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows that in some jurisdictions people may be automatically enrolled into a pension" ; rdfs:isDefinedBy ; rdfs:label "FCO.257" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.258 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows whether opt-out is possible [where relevant]" ; rdfs:isDefinedBy ; rdfs:label "FCO.258" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.259 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Chooses among pension products or creates combinations of pension schemes to build an adequate retirement income, when possible" ; rdfs:isDefinedBy ; rdfs:label "FCO.259" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.26 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands the entries on a payslip and income statement" ; rdfs:isDefinedBy ; rdfs:label "FCO.26" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.260 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that it is important to plan the pay-out phases of retirement as well as the accumulation phase" ; rdfs:isDefinedBy ; rdfs:label "FCO.260" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.261 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware of the main options for drawing an income from a pension product at retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.261" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.262 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the risks of drawing money from retirement savings or borrowing against them before retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.262" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.263 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Aware of reliable digital tools developed by impartial providers designed to make retirement related calculations and manage pensions on a regular basis" ; rdfs:isDefinedBy ; rdfs:label "FCO.263" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.264 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Follows retirement plan and makes adjustments as necessary in order to achieve required income in old age" ; rdfs:isDefinedBy ; rdfs:label "FCO.264" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.265 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes active decisions to manage savings for and during retirement [where relevant]" ; rdfs:isDefinedBy ; rdfs:label "FCO.265" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.266 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Seeks to benefit from incentive schemes to encourage retirement saving such as employer matching and tax advantages when possible" ; rdfs:isDefinedBy ; rdfs:label "FCO.266" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.267 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Considers the impact of nudges such as opt-out pensions or compulsory minimum contributions on retirement saving" ; rdfs:isDefinedBy ; rdfs:label "FCO.267" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.268 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Understands the extent to which a given pension product meets one’s sustainability criteria" ; rdfs:isDefinedBy ; rdfs:label "FCO.268" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.269 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Chooses one's pension product in line with one's risk and sustainability preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.269" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.27 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands how to access, store and keep track of relevant information regarding a person's income" ; rdfs:isDefinedBy ; rdfs:label "FCO.27" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.270 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to ask questions about the extent to which pension products meet sustainability criteria and to make demands for more/better options if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.270" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.271 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the implications of a credit commitment on future disposable income" ; rdfs:isDefinedBy ; rdfs:label "FCO.271" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.272 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the importance of assessing ability to repay before borrowing money" ; rdfs:isDefinedBy ; rdfs:label "FCO.272" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.273 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands the impact of compound interest on credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.273" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.274 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands the importance of knowing how long the repayment period will be and whether it is fixed" ; rdfs:isDefinedBy ; rdfs:label "FCO.274" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.275 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands that the total cost credit may be higher than what implied only by the interest rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.275" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.276 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Can differentiate between the use of credit to generate or increase future income or wealth and the use of credit for consumption" ; rdfs:isDefinedBy ; rdfs:label "FCO.276" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.277 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Uses credit only when necessary and after considering the consequences" ; rdfs:isDefinedBy ; rdfs:label "FCO.277" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.278 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Assesses the total cost of credit and the likelihood of being able to pay it back before making any decision to borrow money" ; rdfs:isDefinedBy ; rdfs:label "FCO.278" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.279 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes decisions to borrow and manages any credit commitments within a budget" ; rdfs:isDefinedBy ; rdfs:label "FCO.279" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.28 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands the difference between gross and net income" ; rdfs:isDefinedBy ; rdfs:label "FCO.28" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.280 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Takes into account the cost of credit as well as the cost of the item when making a decision to buy an item on credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.280" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.281 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account the potential to generate or increase future income or wealth when deciding whether to borrow" ; rdfs:isDefinedBy ; rdfs:label "FCO.281" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.282 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to consider the consequences of accessing credit before making a decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.282" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.283 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Motivated to seek alternatives to borrowing (such as saving, leasing, joint ownership, social support etc.)" ; rdfs:isDefinedBy ; rdfs:label "FCO.283" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.284 rdf:type owl:NamedIndividual , ; ; ; , , , , ; rdfs:comment "Aware that some credit providers may require a guarantor to cover credit payments in the event of default" ; rdfs:isDefinedBy ; rdfs:label "FCO.284" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.285 rdf:type owl:NamedIndividual , ; ; ; , , , , ; rdfs:comment "Aware that asking for a credit may require a collateral to secure repayment of a loan" ; rdfs:isDefinedBy ; rdfs:label "FCO.285" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.286 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Understands the social and financial implications of asking someone to become a guarantor and the responsibility it brings when credit repayments are not made" ; rdfs:isDefinedBy ; rdfs:label "FCO.286" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.287 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Takes into account the social and financial implications of asking someone to be a guarantor" ; rdfs:isDefinedBy ; rdfs:label "FCO.287" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.288 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Confident to guarantee another person or to ask another person to be a guarantor" ; rdfs:isDefinedBy ; rdfs:label "FCO.288" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.289 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Knows or can easily research the different types of credit available (including credit cards, mortgage products, rotating credit facilities or short-term credit), their intended use and the main advantages and disadvantages of each" ; rdfs:isDefinedBy ; rdfs:label "FCO.289" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.29 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Understands that some automatic deductions from pay may be earmarked for building assets/providing rights or paying expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.29" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.290 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows whether or not a loan is secured against an asset, and can assess the benefits and disadvantages of using such a loan including the implications of failing to repay the secured credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.290" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.291 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Knows why it is important to be aware of the current interest rate on credit and whether that rate is fixed or variable, as well as the rate of inflation" ; rdfs:isDefinedBy ; rdfs:label "FCO.291" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.292 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware that credit can also be accessible online (e.g. through peer-to-peer lending platforms) and is able to distinguish the different features (and risks)" ; rdfs:isDefinedBy ; rdfs:label "FCO.292" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.293 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware that different types of mortgages exist, including green mortgages" ; rdfs:isDefinedBy ; rdfs:label "FCO.293" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.294 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Chooses credit products carefully [once the decision has been made to borrow, and once the appropriate credit product has been selected ], taking into account factors such as the interest rate, inflation rate, overall cost and flexibility as well as the amount to be paid on regular repayments" ; rdfs:isDefinedBy ; rdfs:label "FCO.294" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.295 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Uses comparison tools to evaluate the cost and other characteristics of credit products" ; rdfs:isDefinedBy ; rdfs:label "FCO.295" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.296 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to ask additional information about different types of credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.296" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.297 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to choose a suitable credit provider and product when necessary, also by using available comparison tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.297" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.298 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware of the potential negative consequences of borrowing to meet a shortfall in current income" ; rdfs:isDefinedBy ; rdfs:label "FCO.298" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.299 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the risks and benefits of using different kinds of credit providers (both formal and informal)" ; rdfs:isDefinedBy ; rdfs:label "FCO.299" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.3 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Can use and store money safely in all its forms" ; rdfs:isDefinedBy ; rdfs:label "FCO.3" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.30 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Checks payslips and income statements and files them for future reference" ; rdfs:isDefinedBy ; rdfs:label "FCO.30" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.300 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the specific issues of taking credit in a foreign currency" ; rdfs:isDefinedBy ; rdfs:label "FCO.300" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.301 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the risks of repeat use of rotating credit facilities" ; rdfs:isDefinedBy ; rdfs:label "FCO.301" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.302 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware of the risk of foreclosure in case the mortgage is not paid off" ; rdfs:isDefinedBy ; rdfs:label "FCO.302" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.303 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Assesses the risks, benefits and potential consequences of using a particular credit provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.303" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.304 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the existence and main characteristics of credit scoring system, if available in a country" ; rdfs:isDefinedBy ; rdfs:label "FCO.304" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.305 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Aware that a positive credit score can increase the likelihood of accessing credit and reduce the cost of credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.305" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.306 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the methods used to create credit scores, or to determine access to and price of credit may use big data and data analytics and may change over time" ; rdfs:isDefinedBy ; rdfs:label "FCO.306" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.307 rdf:type owl:NamedIndividual , ; ; ; , , , ; rdfs:comment "Aware that providers may react differently to the information contained in a credit score" ; rdfs:isDefinedBy ; rdfs:label "FCO.307" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.308 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Aware that income such as bonuses, windfalls or gifts may not be taken into account when calculating disposable income for credit purposes" ; rdfs:isDefinedBy ; rdfs:label "FCO.308" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.309 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Aware that credit providers may seek information about a borrower’s ability to repay and that this may include accessing a credit score collected by a third party" ; rdfs:isDefinedBy ; rdfs:label "FCO.309" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.31 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Checks actual income against expected income and seeks to analyse why they might differ" ; rdfs:isDefinedBy ; rdfs:label "FCO.31" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.310 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Knows what factors are taken into account in a credit score (including the use of personal data)" ; rdfs:isDefinedBy ; rdfs:label "FCO.310" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.311 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "How to access information on personal credit score and who to speak to in case of discrepancies" ; rdfs:isDefinedBy ; rdfs:label "FCO.311" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.312 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Asks which information is being used to assess ability to repay credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.312" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.313 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account the ways in which certain actions and behaviours will impact on a credit score (including actions monitored through big data, where relevant)" ; rdfs:isDefinedBy ; rdfs:label "FCO.313" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.314 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes steps to improve credit score if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.314" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.315 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Understands the relevance of trying to pay more than the minimum balance on flexible credit commitments" ; rdfs:isDefinedBy ; rdfs:label "FCO.315" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.316 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes timely repayments on all credit commitments [unless personal circumstances deteriorate]" ; rdfs:isDefinedBy ; rdfs:label "FCO.316" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.317 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Repays the maximum possible [taking into account budget constraints] on short term credit or rotating commitments" ; rdfs:isDefinedBy ; rdfs:label "FCO.317" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.318 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Considers the overall financial benefit of repaying credit early and takes an informed decision about doing so when funds allow" ; rdfs:isDefinedBy ; rdfs:label "FCO.318" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.319 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Confident to manage credit commitments." ; rdfs:isDefinedBy ; rdfs:label "FCO.319" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.32 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Uses gross or net income as appropriate when making decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.32" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.320 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Aware that it may be possible to renegotiate a credit agreement" ; rdfs:isDefinedBy ; rdfs:label "FCO.320" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.321 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to stay informed about market changes when repaying credit and considers renegotiating unfavourable or unaffordable arrangements" ; rdfs:isDefinedBy ; rdfs:label "FCO.321" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.322 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands that the total amount of money available to spend in a bank account may include an agreed overdraft facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.322" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.323 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that an overdraft is a form of credit that may incur costs and must be repaid" ; rdfs:isDefinedBy ; rdfs:label "FCO.323" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.324 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Has the goal of keeping a positive bank balance as part of following a budget" ; rdfs:isDefinedBy ; rdfs:label "FCO.324" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.325 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that marketing and simplified lending processes can increase the temptation to access credit without considering the consequences, especially when credit is offered online or via mobile devices" ; rdfs:isDefinedBy ; rdfs:label "FCO.325" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.326 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Some vendors offer credit to incentivise buyers to make a purchase or spend more than originally planned and/or to increase future custom" ; rdfs:isDefinedBy ; rdfs:label "FCO.326" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.327 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Credit offers that are initially interest free may incur interest in the future" ; rdfs:isDefinedBy ; rdfs:label "FCO.327" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.328 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Options to ‘buy now, pay later’ [including basic utilities in many instances] typically are a form of credit and may have a cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.328" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.329 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes steps to avoid over indebtedness that may result from using easy-access high-cost credit often sold online" ; rdfs:isDefinedBy ; rdfs:label "FCO.329" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.33 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes into account the full pay package, including contributions to savings or insurance where relevant, when comparing current income to alternatives" ; rdfs:isDefinedBy ; rdfs:label "FCO.33" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.330 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Carefully considers the likelihood that interest free credit can be repaid in full before the end of the interest free period and the consequences of not doing so" ; rdfs:isDefinedBy ; rdfs:label "FCO.330" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.331 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to decline unwanted credit that is offered with a purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.331" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.332 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Understands the potential burden of being indebted" ; rdfs:isDefinedBy ; rdfs:label "FCO.332" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.333 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Recognises the relationship between current debt levels and financial well-being now and in the future" ; rdfs:isDefinedBy ; rdfs:label "FCO.333" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.334 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Knows how to manage debt repayments" ; rdfs:isDefinedBy ; rdfs:label "FCO.334" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.335 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Understands why it is important to manage the ratio of [household or individual] debt to income" ; rdfs:isDefinedBy ; rdfs:label "FCO.335" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.336 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands the implications on credit scores of failing to pay debts" ; rdfs:isDefinedBy ; rdfs:label "FCO.336" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.337 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes early action to avoid or minimise debt problems" ; rdfs:isDefinedBy ; rdfs:label "FCO.337" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.338 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Monitors overall credit use" ; rdfs:isDefinedBy ; rdfs:label "FCO.338" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.339 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes an informed decision before accessing additional credit to repay current debts" ; rdfs:isDefinedBy ; rdfs:label "FCO.339" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.34 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands that expenditure should ideally not exceed income" ; rdfs:isDefinedBy ; rdfs:label "FCO.34" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.340 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Motivated to resolve issues related to credit before debt becomes a burden" ; rdfs:isDefinedBy ; rdfs:label "FCO.340" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.341 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Accepts responsibility for debt and debt management" ; rdfs:isDefinedBy ; rdfs:label "FCO.341" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.342 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands that debts can accrue from unpaid bills as well as from the use of credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.342" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.343 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands that there is usually an additional cost incurred for late payment of bills and credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.343" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.344 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Prioritises bills and credit repayments over discretionary spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.344" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.345 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to avoid falling behind with payments even if circumstances change" ; rdfs:isDefinedBy ; rdfs:label "FCO.345" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.346 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware of the implications of not paying a credit installment and aware of the debt recovery process" ; rdfs:isDefinedBy ; rdfs:label "FCO.346" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.347 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware of potential grace periods and public support measures to help repay debt" ; rdfs:isDefinedBy ; rdfs:label "FCO.347" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.348 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows where to go for help to reduce debt burden [when necessary]" ; rdfs:isDefinedBy ; rdfs:label "FCO.348" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.349 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Understands that certain debts may have to be prioritised over others if they become unmanageable" ; rdfs:isDefinedBy ; rdfs:label "FCO.349" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.35 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware that it is important to have sufficient income when retired" ; rdfs:isDefinedBy ; rdfs:label "FCO.35" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.350 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Understands that consumers have rights and responsibilities when managing debt" ; rdfs:isDefinedBy ; rdfs:label "FCO.350" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.351 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Informs creditors before the due date of a repayment if it is impossible to pay" ; rdfs:isDefinedBy ; rdfs:label "FCO.351" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.352 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Applies for over-indebtedness procedure, when relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.352" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.353 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Confident to speak to relevant parties to discuss debt management and repayments" ; rdfs:isDefinedBy ; rdfs:label "FCO.353" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.354 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware of risks in a financial context, including those inherent in products and those that can be hedged or insured against" ; rdfs:isDefinedBy ; rdfs:label "FCO.354" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.355 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that certain risks with financial implications can be reduced by using certain financial products and/or by taking action (buying insurance, acquiring financial products with capital guarantee, use well-diversified investment products, etc.)" ; rdfs:isDefinedBy ; rdfs:label "FCO.355" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.356 rdf:type owl:NamedIndividual , ; , , , , ; ; ; , , ; rdfs:comment "Considers the risks of significant external issues that may impact on personal financial well-being (including for example environmental, technological, health-related, scientific, security or economic factors)" ; rdfs:isDefinedBy ; rdfs:label "FCO.356" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.357 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to identify own risk tolerance" ; rdfs:isDefinedBy ; rdfs:label "FCO.357" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.358 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident to make own assessment of risks without being unduly influenced by marketing or news items [avoiding availability bias]" ; rdfs:isDefinedBy ; rdfs:label "FCO.358" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.359 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , , , ; rdfs:comment "Aware of possible risks with financial implications (political, economic, environmental and personal factors such as long life expectancy)" ; rdfs:isDefinedBy ; rdfs:label "FCO.359" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.36 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Assesses current income needs and seeks ways to gain sufficient income to cover these needs" ; rdfs:isDefinedBy ; rdfs:label "FCO.36" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.360 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Knows why it is important to be aware of low-probability, high-cost events, such as risk of climate-related events" ; rdfs:isDefinedBy ; rdfs:label "FCO.360" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.361 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware of the (possible) risks related to financial products, including: making inappropriate product choices, using variable interest rate products, committing to fixed interest rates in a variable interest rate environment, and taking out products in foreign currencies" ; rdfs:isDefinedBy ; rdfs:label "FCO.361" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.362 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Assesses the financial risks associated with personal decisions and life choices" ; rdfs:isDefinedBy ; rdfs:label "FCO.362" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.363 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Considers the risks of significant projects or purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.363" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.364 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Takes into account the risk of changes in circumstance, including job loss, increased outgoings, or other external events" ; rdfs:isDefinedBy ; rdfs:label "FCO.364" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.365 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , , ; rdfs:comment "Takes into account the risk of losing some or all household income through ill-health, disability or death of a family member" ; rdfs:isDefinedBy ; rdfs:label "FCO.365" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.366 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account the types of risks from different financial products" ; rdfs:isDefinedBy ; rdfs:label "FCO.366" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.367 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to mitigate risks when necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.367" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.368 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to make considered decisions when risks become apparent" ; rdfs:isDefinedBy ; rdfs:label "FCO.368" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.369 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the specific risks related to digital financial products and services, such as mobile banking and lending, investing, borrowing via peer-to-peer platforms" ; rdfs:isDefinedBy ; rdfs:label "FCO.369" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.37 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes a realistic assessment of expected income" ; rdfs:isDefinedBy ; rdfs:label "FCO.37" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.370 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware that some digital financial products and services (such as crypto-assets or initial coin offerings) are riskier than established financial products because they are less regulated or even unregulated" ; rdfs:isDefinedBy ; rdfs:label "FCO.370" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.371 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Pays particular attention to risks related to financial products based on emerging technologies, such as blockchain-based financial products (crypto-assets, initial coin offerings, etc.)" ; rdfs:isDefinedBy ; rdfs:label "FCO.371" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.372 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows how to create a financial safety net, such as rainy day savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.372" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.373 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows how to calculate how long it will take to build a safety net that could cover three month’s income" ; rdfs:isDefinedBy ; rdfs:label "FCO.373" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.374 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the role of insurance in managing risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.374" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.375 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Builds and maintains an adequate financial safety net through savings, insurance and other financial products as necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.375" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.376 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to create a financial safety net" ; rdfs:isDefinedBy ; rdfs:label "FCO.376" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.377 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to purchase or update insurance against adverse events or outcomes with a financial consequence [where relevant]" ; rdfs:isDefinedBy ; rdfs:label "FCO.377" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.378 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands when financial risks can be more appropriately managed with or without insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.378" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.379 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the risk of being underinsured and costs of being overinsured" ; rdfs:isDefinedBy ; rdfs:label "FCO.379" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.38 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Sets aside some income for retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.38" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.380 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows when insurance is a legal obligation" ; rdfs:isDefinedBy ; rdfs:label "FCO.380" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.381 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows which insurance products are designed for which situations" ; rdfs:isDefinedBy ; rdfs:label "FCO.381" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.382 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows the difference between life and non-life insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.382" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.383 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that insurance offers and insurance premia may be based partly on certain personal information that is processed via big data and other data analytics" ; rdfs:isDefinedBy ; rdfs:label "FCO.383" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.384 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Considers the benefits of insurance when risks have been identified" ; rdfs:isDefinedBy ; rdfs:label "FCO.384" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.385 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Uses appropriate insurance products" ; rdfs:isDefinedBy ; rdfs:label "FCO.385" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.386 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Periodically checks that the insurance held is still providing adequate cover" ; rdfs:isDefinedBy ; rdfs:label "FCO.386" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.387 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Claims on the appropriate insurance if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.387" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.388 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to insure against low probability high cost events" ; rdfs:isDefinedBy ; rdfs:label "FCO.388" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.389 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account the way in which certain actions and behaviours will impact on insurance coverage and insurance premia (including actions monitored through big data, where relevant)" ; rdfs:isDefinedBy ; rdfs:label "FCO.389" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.39 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Motivated to find a way to generate sufficient income to preserve current and future standard of living" ; rdfs:isDefinedBy ; rdfs:label "FCO.39" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.390 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the existence of digital insurance providers and of new types of insurance offered by them (such as peer-to-peer, on-demand, usage-based insurances etc.)" ; rdfs:isDefinedBy ; rdfs:label "FCO.390" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.391 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware that digital insurance providers and the products offered by them might function differently than traditional insurance providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.391" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.392 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the ways to insure against climate-related risks" ; rdfs:isDefinedBy ; rdfs:label "FCO.392" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.393 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Able to assess the climate–related personal risks, and is able to insure against them, if appropriate" ; rdfs:isDefinedBy ; rdfs:label "FCO.393" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.394 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of government support for individuals or households in financial difficulty, and under which circumstances this can be obtained" ; rdfs:isDefinedBy ; rdfs:label "FCO.394" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.395 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the relationship between risk and potential reward which means that if there is a high chance of making money on an investment there is also likely to be a high chance of losing money" ; rdfs:isDefinedBy ; rdfs:label "FCO.395" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.396 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands the purpose of investment diversification as a strategy to reduce the risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.396" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.397 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Identifies the potential financial risks and rewards related to a decision that needs to be made" ; rdfs:isDefinedBy ; rdfs:label "FCO.397" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.398 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Compares the risk and reward of different financial investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.398" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.399 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account the need for asset growth, financial security, and one’s own sustainability preferences when considering investment risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.399" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.4 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Takes into account the relative advantages and disadvantages of different forms of money when choosing which to use" ; rdfs:isDefinedBy ; rdfs:label "FCO.4" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.40 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that different jobs and career paths, including entrepreneurship, are associated with different levels of income over time" ; rdfs:isDefinedBy ; rdfs:label "FCO.40" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.400 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Considers the risk of using credit for discretionary spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.400" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.401 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that sustainability factors and governmental climate-related policies may have an impact on the level of risk and return of investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.401" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.402 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that environmental, social or governance risks may negatively affect the financial performance of a company" ; rdfs:isDefinedBy ; rdfs:label "FCO.402" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.403 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that in the EU consumer protection measures apply equally to financial operations by regulated entities, whether carried out digitally or physically" ; rdfs:isDefinedBy ; rdfs:label "FCO.403" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.404 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that financial service providers have a duty to treat consumers fairly and to ensure information is clear and transparent" ; rdfs:isDefinedBy ; rdfs:label "FCO.404" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.405 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Understands the roles of relevant financial regulators and financial authorities" ; rdfs:isDefinedBy ; rdfs:label "FCO.405" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.406 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the possibility to check whether the provider is authorised/licenced by the relevant competent national authorities" ; rdfs:isDefinedBy ; rdfs:label "FCO.406" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.407 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that some financial products and services may not be regulated and supervised at EU level or national level." ; rdfs:isDefinedBy ; rdfs:label "FCO.407" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.408 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands that some aspects of consumer protection rely on the consumer taking note of information provided" ; rdfs:isDefinedBy ; rdfs:label "FCO.408" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.409 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Checks that a financial service provider, whether operating physically or digitally, is authorised/registered/regulated by the competent national authorities to provide such service" ; rdfs:isDefinedBy ; rdfs:label "FCO.409" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.41 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes practical steps to pursue a certain career or business idea, if relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.41" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.410 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Reads and checks product information and disclosure documents, also when provided electronically" ; rdfs:isDefinedBy ; rdfs:label "FCO.410" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.411 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Checks information about financial service providers that have contravened regulation or treated consumers unfairly" ; rdfs:isDefinedBy ; rdfs:label "FCO.411" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.412 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Checks changes to financial regulation and consumer protection and their potential impact" ; rdfs:isDefinedBy ; rdfs:label "FCO.412" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.413 rdf:type owl:NamedIndividual , ; ; ; , , ; rdfs:comment "Motivated to choose appropriate, trustworthy financial service providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.413" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.414 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Motivated to find out the information that advisors, financial service providers and companies are legally obliged to provide to financial consumers" ; rdfs:isDefinedBy ; rdfs:label "FCO.414" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.415 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the existence of redress mechanisms and how to access them if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.415" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.416 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Aware of the existence of out-of-court dispute resolution mechanisms, including online alternative dispute resolution tools, and of how to select the most appropriate one" ; rdfs:isDefinedBy ; rdfs:label "FCO.416" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.417 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Knows the relevant body in their jurisdiction where a complaint about products and services, including those sold online, can be deposited" ; rdfs:isDefinedBy ; rdfs:label "FCO.417" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.418 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Makes a complaint to the relevant department of a financial provider and, in a second step, to the relevant external body when necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.418" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.419 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident to make a judgment on the quality of service and protection provided by a financial service provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.419" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.42 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to pursue a career choice or business idea and consider a job change, if relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.42" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.420 rdf:type owl:NamedIndividual , ; ; ; ; , ; rdfs:comment "Is prepared to seek redress if things go wrong" ; rdfs:isDefinedBy ; rdfs:label "FCO.420" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.421 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Understands that consumers of financial services enjoy rights with respect to their personal data and that they have discretionary control over it" ; rdfs:isDefinedBy ; rdfs:label "FCO.421" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.422 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the existence of national authorities in charge of data protection and of their role in a financial context" ; rdfs:isDefinedBy ; rdfs:label "FCO.422" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.423 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the security implications on personal data of storing financial documents online" ; rdfs:isDefinedBy ; rdfs:label "FCO.423" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.424 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment """Understands that financial service providers and companies may store personal information: - To personalize offers based on the customer's stored profile, which is used to infer the customer's price sensitivity, product preferences and relevant behavior (e.g. in the context of telematics insurance) ; - To track certain relevant actions and behaviour of customers during the contract period (e.g. loan repayment history, driving behaviour based on telematics in the context of car insurance)""" ; rdfs:isDefinedBy ; rdfs:label "FCO.424" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.425 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands the (financial) consequences and risks of sharing or disclosing personal data (including identification numbers, account information, or other identifying information such as address, birth date or government-issued numbers) whether digitally or through other channels" ; rdfs:isDefinedBy ; rdfs:label "FCO.425" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.426 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Able to protect personal data online" ; rdfs:isDefinedBy ; rdfs:label "FCO.426" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.427 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Assesses personal data requests by financial service providers to decide whether it is relevant to provide such information" ; rdfs:isDefinedBy ; rdfs:label "FCO.427" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.428 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Appropriately manage one’s own digital footprint in a financial context, to the extent possible" ; rdfs:isDefinedBy ; rdfs:label "FCO.428" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.429 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Avoid engaging in risky behaviours involving one’s own personal data in a financial context" ; rdfs:isDefinedBy ; rdfs:label "FCO.429" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.43 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows how to calculate and interpret meaningful unit prices of purchases, where relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.43" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.430 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to revoke authorisations to access, use, or store personal data from financial service providers and companies when necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.430" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.431 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of one's rights and obligations when purchasing a financial product or service" ; rdfs:isDefinedBy ; rdfs:label "FCO.431" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.432 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of one's consumer rights related to e-commerce and online transactions, such as full price disclosure and conditions for exchanges / returns / refunds" ; rdfs:isDefinedBy ; rdfs:label "FCO.432" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.433 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of one's rights in the event of unauthorised or improperly executed payment" ; rdfs:isDefinedBy ; rdfs:label "FCO.433" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.434 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows and understands the rights and responsibilities of consumers who fail to pay specific bills, including taxes and utilities" ; rdfs:isDefinedBy ; rdfs:label "FCO.434" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.435 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Knows the legal right to contest a decision taken by an algorithm" ; rdfs:isDefinedBy ; rdfs:label "FCO.435" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.436 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes into account individual rights and responsibilities as a financial consumer" ; rdfs:isDefinedBy ; rdfs:label "FCO.436" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.437 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Reads the small print when choosing financial products" ; rdfs:isDefinedBy ; rdfs:label "FCO.437" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.438 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Informs financial service providers of changes in circumstance where relevant or contractually obliged to do so" ; rdfs:isDefinedBy ; rdfs:label "FCO.438" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.439 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Keeps statements and contracts, and records conversations and actions relating to potential maltreatment from financial service providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.439" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.44 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that the same goods or services may be priced differently depending on a variety of factors, such as the vendor, the location or the time of purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.44" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.440 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Ensures that creditors are aware of all relevant factors that may impact repayments" ; rdfs:isDefinedBy ; rdfs:label "FCO.440" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.441 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Applies for help to pay or defer specific bills in times of need [where available]" ; rdfs:isDefinedBy ; rdfs:label "FCO.441" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.442 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Values the rights of financial consumers" ; rdfs:isDefinedBy ; rdfs:label "FCO.442" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.443 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Motivated to research and exercise one's own rights as financial consumer" ; rdfs:isDefinedBy ; rdfs:label "FCO.443" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.444 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands that there are various sources of information about financial products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.444" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.445 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Aware that all sources of information should be verified before being used" ; rdfs:isDefinedBy ; rdfs:label "FCO.445" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.446 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Understands that information provided by financial service providers and companies on their products and services may be marketing information or biased information" ; rdfs:isDefinedBy ; rdfs:label "FCO.446" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.447 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that it is possible to improve one’ financial literacy and financial well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.447" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.448 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Knows where to find reliable information on financial matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.448" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.449 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes steps to be an informed consumer and verifies financial information before using it" ; rdfs:isDefinedBy ; rdfs:label "FCO.449" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.45 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows that the purchasing power of money can vary over time due to inflation" ; rdfs:isDefinedBy ; rdfs:label "FCO.45" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.450 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Develops personal strategies and uses tools to minimise traits that impede financial well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.450" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.451 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Makes use of tools designed to provide information when making financial decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.451" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.452 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Finds, learns and remembers important facts and information about financial matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.452" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.453 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident in one’s own ability to recognise trustworthy sources of information" ; rdfs:isDefinedBy ; rdfs:label "FCO.453" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.454 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to research financial matters and critically assess the information provided" ; rdfs:isDefinedBy ; rdfs:label "FCO.454" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.455 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Knows where to educate oneself on financial matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.455" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.456 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Aware that some sources of financial education may not be impartial and may be hidden promotional material" ; rdfs:isDefinedBy ; rdfs:label "FCO.456" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.457 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Develops a habit of life-long learning to improve all aspects of financial literacy and financial well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.457" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.458 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes use of tools designed to improve one's financial literacy and to support financial decision-making" ; rdfs:isDefinedBy ; rdfs:label "FCO.458" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.459 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to use existing tools (e.g. mortgage calculator, budget calculator etc…) to support financial decision making and improve one’s own financial behaviour" ; rdfs:isDefinedBy ; rdfs:label "FCO.459" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.46 rdf:type owl:NamedIndividual , ; , ; ; ; , , , , ; rdfs:comment "Knows that price is not the only relevant criterion to buy a specific product and that quality, terms and conditions also matter" ; rdfs:isDefinedBy ; rdfs:label "FCO.46" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.460 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Confident in own ability to recognise trustworthy sources of education" ; rdfs:isDefinedBy ; rdfs:label "FCO.460" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.461 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to pass on own knowledge about money matters [where relevant]" ; rdfs:isDefinedBy ; rdfs:label "FCO.461" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.462 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to apply lessons learned previously when making new financial decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.462" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.463 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that financial advice can be sought when making financial choices and knows when financial advice may be useful" ; rdfs:isDefinedBy ; rdfs:label "FCO.463" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.464 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of the difference between independent and non-independent source of investment advice (as defined under EU law)" ; rdfs:isDefinedBy ; rdfs:label "FCO.464" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.465 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that various sources are available to access financial advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.465" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.466 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware of the existence of digital advising tools, including robo and hybrid advice tools that combine human and robo advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.466" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.467 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware that advice is not always independent" ; rdfs:isDefinedBy ; rdfs:label "FCO.467" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.468 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware of financial advisors' obligation to ask clients about their sustainability preferences before giving advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.468" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.469 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Where necessary, makes use of tools designed to provide advice when making financial decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.469" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.47 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Knows that the actual cost of a good or service may depend on factors such as taxes, exchange rates, shipping costs and customs’ duties (if ordered from outside the EU)" ; rdfs:isDefinedBy ; rdfs:label "FCO.47" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.470 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Confident in one’s own ability to recognize trustworthy sources of advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.470" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.471 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the benefit of talking about financial matters with a wide range of trusted individuals" ; rdfs:isDefinedBy ; rdfs:label "FCO.471" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.472 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Talks with trusted individuals about money matters in an open and honest way" ; rdfs:isDefinedBy ; rdfs:label "FCO.472" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.473 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Discusses relevant financial matters when talking to professionals" ; rdfs:isDefinedBy ; rdfs:label "FCO.473" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.474 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to talk with others about money matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.474" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.475 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Relies on various insights before drawing conclusions" ; rdfs:isDefinedBy ; rdfs:label "FCO.475" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.476 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the different types of financial products and services available (including those delivered via digital means and those available only in specific regions or Member States)" ; rdfs:isDefinedBy ; rdfs:label "FCO.476" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.477 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows which features are the most important to consider when choosing financial products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.477" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.478 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows that financial services change over time" ; rdfs:isDefinedBy ; rdfs:label "FCO.478" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.479 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows that the financial product or service that is appropriate for an individual depends on a number of personal and household factors which may include economic, sustainability, or cultural preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.479" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.48 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows how to calculate the final consumer price where this is not stated on the price ticket of an item" ; rdfs:isDefinedBy ; rdfs:label "FCO.48" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.480 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "That some financial products and services are designed to meet specific economic, sustainability, or cultural preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.480" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.481 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Accounts for personal preferences, including sustainability preferences when considering different financial products or services and their characteristics." ; rdfs:isDefinedBy ; rdfs:label "FCO.481" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.482 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Actively seeks information on the important features of a financial product when making a choice" ; rdfs:isDefinedBy ; rdfs:label "FCO.482" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.483 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Uses comparison tools to evaluate the fees and other characteristics of financial products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.483" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.484 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Checks whether a financial product is covered by a guarantee before buying it" ; rdfs:isDefinedBy ; rdfs:label "FCO.484" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.485 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Periodically reassesses the suitability of financial products held" ; rdfs:isDefinedBy ; rdfs:label "FCO.485" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.486 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes into account the potential cost of redeeming financial products in the event of a change of circumstance" ; rdfs:isDefinedBy ; rdfs:label "FCO.486" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.487 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Demands high-quality financial products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.487" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.488 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Change providers in the event of poor service or non-competitive prices" ; rdfs:isDefinedBy ; rdfs:label "FCO.488" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.489 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Motivated to periodically re-assess satisfaction with the service provided and change financial service provider if relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.489" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.49 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Knows that when purchasing products online, the price of identical goods or services may be different according to i.a. the consulted website or browsing history, the shipping conditions applied, or the location from where the purchase is made" ; rdfs:isDefinedBy ; rdfs:label "FCO.49" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.490 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Confident to ask financial service providers questions about their products and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.490" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.491 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Confident to assess the level of trust that can be invested in a particular financial service provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.491" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.492 rdf:type owl:NamedIndividual , ; ; ; ; , ; rdfs:comment "Confident to negotiate terms with financial service providers when necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.492" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.493 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Motivated to gain insight on how financial service providers define sustainability and integrate it in certain products and services offered" ; rdfs:isDefinedBy ; rdfs:label "FCO.493" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.494 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Aware that some financial products such as savings, credit, pensions or insurance (depending on national circumstances) may be offered through non-financial organisations such as employers, shops, religious groups, leisure clubs and non-financial companies" ; rdfs:isDefinedBy ; rdfs:label "FCO.494" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.495 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the potential risks of using financial products offered by non-financial organisations and ways of reducing these if necessary" ; rdfs:isDefinedBy ; rdfs:label "FCO.495" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.496 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes note of relevant financial products and services offered through non-financial organisations and makes an informed decision about their suitability" ; rdfs:isDefinedBy ; rdfs:label "FCO.496" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.497 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Be able to determine one’s sustainability preferences, using reliable and regulated information" ; rdfs:isDefinedBy ; rdfs:label "FCO.497" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.498 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Able to explain one’s own preferences for financial products (e.g. in terms of risk or preferences, including one’s sustainability preferences)" ; rdfs:isDefinedBy ; rdfs:label "FCO.498" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.499 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aims to choose financial products and services that are consistent with one’s sustainability preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.499" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.5 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Motivated to learn about different forms of money" ; rdfs:isDefinedBy ; rdfs:label "FCO.5" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.50 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Calculates or estimates the final price of a good or service" ; rdfs:isDefinedBy ; rdfs:label "FCO.50" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.500 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the existence and meaning of various sustainable product standards and labels" ; rdfs:isDefinedBy ; rdfs:label "FCO.500" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.501 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware that in addition to standards defined in EU law, there could be standards set out in business practices, which may or may not be aligned with the standards defined in EU law" ; rdfs:isDefinedBy ; rdfs:label "FCO.501" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.502 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the existence of the EU taxonomy for sustainable economic activities" ; rdfs:isDefinedBy ; rdfs:label "FCO.502" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.503 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Makes informed decisions in line with one's sustainability preferences based on reliable standards and labels for financial products" ; rdfs:isDefinedBy ; rdfs:label "FCO.503" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.504 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Motivated to research existing standards and labels and to understand their meaning of" ; rdfs:isDefinedBy ; rdfs:label "FCO.504" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.505 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of disclosure requirements for companies, funds and other financial products and services, including sustainability-related disclosure requirements. Knows where to access these disclosure documents" ; rdfs:isDefinedBy ; rdfs:label "FCO.505" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.506 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows about sources of information to monitor the performance and the sustainability record of a fund" ; rdfs:isDefinedBy ; rdfs:label "FCO.506" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.507 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Understands disclosure documents about companies, funds and other financial products and services, including sustainability-related disclosure documents" ; rdfs:isDefinedBy ; rdfs:label "FCO.507" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.508 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Able to research disclosed information related to a financial product, including that which covers sustainability aspects" ; rdfs:isDefinedBy ; rdfs:label "FCO.508" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.509 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Able to make informed decisions in line with one's risk profile, sustainability preferences and other preferences based on the disclosure information provided on a fund, a company or a financial product and service" ; rdfs:isDefinedBy ; rdfs:label "FCO.509" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.51 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Seeks ways to manage the impact of inflation on money held" ; rdfs:isDefinedBy ; rdfs:label "FCO.51" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.510 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Holds funds accountable for their engagement commitments for instance by checking their voting records at annual general shareholder meetings" ; rdfs:isDefinedBy ; rdfs:label "FCO.510" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.511 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to ask for more information when this is not readily available" ; rdfs:isDefinedBy ; rdfs:label "FCO.511" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.512 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows about the risks of financial scams and frauds when choosing and using financial services and making financial transactions" ; rdfs:isDefinedBy ; rdfs:label "FCO.512" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.513 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the existence of fraudulent investment schemes" ; rdfs:isDefinedBy ; rdfs:label "FCO.513" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.514 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows how to spot signs that something or someone may not be genuine" ; rdfs:isDefinedBy ; rdfs:label "FCO.514" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.515 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Knows where to get information about scam and fraud alerts and warnings" ; rdfs:isDefinedBy ; rdfs:label "FCO.515" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.516 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the authority to which to report scams and fraudulent behavior" ; rdfs:isDefinedBy ; rdfs:label "FCO.516" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.517 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Stays informed about new scams and fraud techniques/schemes" ; rdfs:isDefinedBy ; rdfs:label "FCO.517" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.518 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Makes an effort to scrutinize communications, offers and recommendations and consider whether they are genuine" ; rdfs:isDefinedBy ; rdfs:label "FCO.518" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.519 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Speaks only to verified representatives of financial institution" ; rdfs:isDefinedBy ; rdfs:label "FCO.519" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.52 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Seeks to buy goods and services at a fair price" ; rdfs:isDefinedBy ; rdfs:label "FCO.52" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.520 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to question communications, offers and recommendations if they appear to be fraudulent" ; rdfs:isDefinedBy ; rdfs:label "FCO.520" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.521 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Careful when carrying out online financial transactions in order to avoid becoming victim of fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.521" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.522 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Confident to take the necessary steps when confronted with suspicious requests for information or actions (block bank card, inform authorities, etc…)" ; rdfs:isDefinedBy ; rdfs:label "FCO.522" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.523 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Motivated to learn how to detect and avoid scams and fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.523" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.524 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Understands the concept of greenwashing and its implications" ; rdfs:isDefinedBy ; rdfs:label "FCO.524" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.525 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Adapts investment decisions when one becomes aware of instances of greenwashing" ; rdfs:isDefinedBy ; rdfs:label "FCO.525" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.526 rdf:type owl:NamedIndividual , ; , , , ; ; ; , ; rdfs:comment "Understands the importance of keeping personal data, financial information, and security information secure (including passwords and pin numbers)" ; rdfs:isDefinedBy ; rdfs:label "FCO.526" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.527 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Aware of kinds of risks stemming from digitalisation such as the misuse of personal financial data, cyber-crime, phishing, pharming and hacking attacks" ; rdfs:isDefinedBy ; rdfs:label "FCO.527" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.528 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Understands how online/digital scams and fraud such as phishing and pharming work" ; rdfs:isDefinedBy ; rdfs:label "FCO.528" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.529 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Understands the concept and implications of online identity theft" ; rdfs:isDefinedBy ; rdfs:label "FCO.529" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.53 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Confident to negotiate a fair price" ; rdfs:isDefinedBy ; rdfs:label "FCO.53" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.530 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Understands that there are client authentication / authorization processes for both online and in-person payments to protect against fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.530" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.531 rdf:type owl:NamedIndividual , ; , , , ; ; ; , ; rdfs:comment "Takes practical steps to keep all personal data, financial information, passwords and pin numbers secure" ; rdfs:isDefinedBy ; rdfs:label "FCO.531" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.532 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Does not make any payment to lift products or accounts blocked by ransomware" ; rdfs:isDefinedBy ; rdfs:label "FCO.532" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.533 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows to whom to report suspected scams and frauds" ; rdfs:isDefinedBy ; rdfs:label "FCO.533" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.534 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Identifies the sources available for information on reported scams and fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.534" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.535 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Reports possible scams and frauds to the relevant bodies even if not personally a victim" ; rdfs:isDefinedBy ; rdfs:label "FCO.535" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.536 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to identify financial situations that are prone to scams or fraud, and to take actions to avoid becoming a victim of scams or fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.536" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.537 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to identify a situation which is suspicious and may indicate that a scam or fraud has taken place" ; rdfs:isDefinedBy ; rdfs:label "FCO.537" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.538 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Understands why taxes are collected and how they are used" ; rdfs:isDefinedBy ; rdfs:label "FCO.538" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.539 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands what can happen if taxes are not paid" ; rdfs:isDefinedBy ; rdfs:label "FCO.539" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.54 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Understands that information obtained through cost comparison tools available online may be incomplete, inaccurate or partial" ; rdfs:isDefinedBy ; rdfs:label "FCO.54" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.540 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Knows how to check tax obligations" ; rdfs:isDefinedBy ; rdfs:label "FCO.540" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.541 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Aware of the existence of deferred tax obligations where relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.541" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.542 rdf:type owl:NamedIndividual , ; , ; ; ; , ; rdfs:comment "Aware of current levels of basic taxes such as income tax and goods tax" ; rdfs:isDefinedBy ; rdfs:label "FCO.542" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.543 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Aware of different tax treatments for various financial products held such as mortgages, pensions or savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.543" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.544 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware of the possibility of dealing with (some) tax matters online" ; rdfs:isDefinedBy ; rdfs:label "FCO.544" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.545 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Pays taxes and/or claims tax refunds as appropriate" ; rdfs:isDefinedBy ; rdfs:label "FCO.545" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.546 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Monitors personal obligations and rights in light of tax policies" ; rdfs:isDefinedBy ; rdfs:label "FCO.546" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.547 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Keeps in mind all tax obligations when budgeting and making longer-term financial plans" ; rdfs:isDefinedBy ; rdfs:label "FCO.547" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.548 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes into account tax treatments when choosing financial products" ; rdfs:isDefinedBy ; rdfs:label "FCO.548" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.549 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Is able to use the online service offered by tax administrations to deal with tax matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.549" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.55 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Compares the prices of similar goods sold through different channels (including brick-and-mortar and online providers)" ; rdfs:isDefinedBy ; rdfs:label "FCO.55" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.550 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Accepts that it is important to pay taxes owed" ; rdfs:isDefinedBy ; rdfs:label "FCO.550" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.551 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Understands how economic factors, such as a recession or high inflation, and other factors (for example related to the climate, the environment or pandemic diseases) can affect aspects of personal financial status, including wealth" ; rdfs:isDefinedBy ; rdfs:label "FCO.551" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.552 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Follows news of events that may impact on personal financial security or well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.552" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.553 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to make changes to financial plans as necessary in light of external factors" ; rdfs:isDefinedBy ; rdfs:label "FCO.553" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.554 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that changes to policies on issues such as state benefits, interest rates, pension reforms or employment laws can have an impact on personal financial decisions and plans" ; rdfs:isDefinedBy ; rdfs:label "FCO.554" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.555 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows the main bodies with an influence on the economic and financial system" ; rdfs:isDefinedBy ; rdfs:label "FCO.555" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.556 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Makes changes to financial plans when necessary based on an assessment of the impact of external factors" ; rdfs:isDefinedBy ; rdfs:label "FCO.556" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.557 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Identifies strategies to ensure the resilience of financial asset to medium to long-term factors and risks (including climate-related risks)" ; rdfs:isDefinedBy ; rdfs:label "FCO.557" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.558 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Recognizes that marketing practices, biased presentation of information, the media, peer pressure and social media can have an impact on personal financial decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.558" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.559 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands that online adverts can be tailor-made" ; rdfs:isDefinedBy ; rdfs:label "FCO.559" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.56 rdf:type owl:NamedIndividual , ; , , ; ; ; , ; rdfs:comment "Able to use reliable online comparison tools, when available, that compare price, quality, terms and conditions of goods and services" ; rdfs:isDefinedBy ; rdfs:label "FCO.56" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.560 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Conscious of the role of advertising in promoting certain types of products or services and the impact of the personal digital footprint on the type of advertising that is shown online" ; rdfs:isDefinedBy ; rdfs:label "FCO.560" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.561 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Develops strategies to minimise unintended consequences of marketing practices, biased presentation of information (via interfaces) and social pressure on personal financial decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.561" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.562 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes steps to make objective decisions about the value of an advertised financial product or service" ; rdfs:isDefinedBy ; rdfs:label "FCO.562" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.563 rdf:type owl:NamedIndividual , ; ; ; ; , , ; rdfs:comment "Motivated to take action in case of false advertising" ; rdfs:isDefinedBy ; rdfs:label "FCO.563" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.564 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Understands that individual economic decisions have consequences on the sustainability of the economy, communities and society at large. Impact differs depending on the level of sustainability of the product or services purchased" ; rdfs:isDefinedBy ; rdfs:label "FCO.564" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.57 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident to make decisions using information from reliable (online) price comparison tools developed by impartial providers." ; rdfs:isDefinedBy ; rdfs:label "FCO.57" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.58 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Understands that money spent to purchase a certain good or service is no longer available for something else [the concept of opportunity cost]" ; rdfs:isDefinedBy ; rdfs:label "FCO.58" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.59 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Understands that irreversible costs made in the past should not influence purchase decisions today [applying the concept of sunk cost]" ; rdfs:isDefinedBy ; rdfs:label "FCO.59" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.6 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident in using different forms of money" ; rdfs:isDefinedBy ; rdfs:label "FCO.6" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.60 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows that there can be substitutes for products, in some case including second-hand or refurbished ones, and services that may cost less than the one originally identified" ; rdfs:isDefinedBy ; rdfs:label "FCO.60" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.61 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Knows that there can be complementary products and services necessary to use certain products or services" ; rdfs:isDefinedBy ; rdfs:label "FCO.61" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.62 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Knows applicable consumer rights when making purchases, especially online (i.e. return policies, information disclosure)" ; rdfs:isDefinedBy ; rdfs:label "FCO.62" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.63 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Recognises that adverts, special offers and the media can have a powerful impact on one’s perceived desirability of particular purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.63" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.64 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Considers the overall value or utility of a potential purchase as well as its price" ; rdfs:isDefinedBy ; rdfs:label "FCO.64" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.65 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Where relevant and provided for in law, returns purchases made online or through other types of distance selling within the timeframe specified by law for a full refund." ; rdfs:isDefinedBy ; rdfs:label "FCO.65" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.66 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Develops strategies to avoid or minimise overspending, impulsive shopping and other unintended consequences of advertising and social pressure" ; rdfs:isDefinedBy ; rdfs:label "FCO.66" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.67 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to make informed purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.67" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.68 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Considers sustainable alternatives to new purchases, such as reusing and recycling" ; rdfs:isDefinedBy ; rdfs:label "FCO.68" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.69 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Confident to use the right to return purchases made online or through other types of distance selling, within the timeframe specified by law for a full refund, where relevant and provided for in law" ; rdfs:isDefinedBy ; rdfs:label "FCO.69" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.7 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Knows how to identify genuine notes and coins" ; rdfs:isDefinedBy ; rdfs:label "FCO.7" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.70 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Confident to say no to a sales offer that is unsatisfactory or unwanted, including online offers (i.e. pop-ups, online ads)" ; rdfs:isDefinedBy ; rdfs:label "FCO.70" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.71 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Confident to resist pressure to make unplanned purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.71" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.72 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , , , ; rdfs:comment "Understands the difference between various payments methods and knows how to use them safely (e.g. debit or credit card, online transfer services, bank transfer to a retail account, mobile/digital wallet, instant payment)" ; rdfs:isDefinedBy ; rdfs:label "FCO.72" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.73 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Knows how to assess the potential risks and benefits of different payment methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.73" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.74 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Aware that some methods of payment are a form of borrowing and understands how this will affect the overall price paid and that different types of transaction have different implications for cash-flow" ; rdfs:isDefinedBy ; rdfs:label "FCO.74" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.75 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Knows basic anti-money-laundering rules with respect to the use of cash and payments and complies with them" ; rdfs:isDefinedBy ; rdfs:label "FCO.75" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.76 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Aware that in the EU there is a right to a payment account with basic features regardless of a person's place of residence or financial situation" ; rdfs:isDefinedBy ; rdfs:label "FCO.76" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.77 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware that EU rules allow consumers to open and change bank accounts anywhere in the EU" ; rdfs:isDefinedBy ; rdfs:label "FCO.77" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.78 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Aware that a payment account with basic features can be offered by traditional and online credit institutions" ; rdfs:isDefinedBy ; rdfs:label "FCO.78" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.79 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware of the existence of a quick procedure for consumers who want to switch their account from one bank to another" ; rdfs:isDefinedBy ; rdfs:label "FCO.79" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.8 rdf:type owl:NamedIndividual , ; ; ; ; , , , ; rdfs:comment "Aware that currencies or specific notes and coins may become obsolete over time as official money/means of payment" ; rdfs:isDefinedBy ; rdfs:label "FCO.8" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.80 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , , ; rdfs:comment "Uses appropriate methods and technologies to make payments, taking into account the overall cost, risk and personal convenience of the method chosen" ; rdfs:isDefinedBy ; rdfs:label "FCO.80" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.81 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Able to execute online payments on different payment facilities, following digital security measures" ; rdfs:isDefinedBy ; rdfs:label "FCO.81" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.82 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes steps to use a payment account with basic features, if eligible" ; rdfs:isDefinedBy ; rdfs:label "FCO.82" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.83 rdf:type owl:NamedIndividual , ; , , , ; ; ; , , ; rdfs:comment "Take steps to use a payment account that fits individual needs and demands" ; rdfs:isDefinedBy ; rdfs:label "FCO.83" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.84 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Motivated to learn about different payment and transfer methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.84" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.85 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident to use different payment and transfer methods and to choose the best ways to transfer money, while considering costs and risks" ; rdfs:isDefinedBy ; rdfs:label "FCO.85" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.86 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to request the opening of a payment account with basic features, if eligible" ; rdfs:isDefinedBy ; rdfs:label "FCO.86" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.87 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , , ; rdfs:comment "Understands that mistakes can be made when making payments and purchases, and knows how to spot them on invoices, bills and receipts" ; rdfs:isDefinedBy ; rdfs:label "FCO.87" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.88 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Knows that some receipts should be kept as evidence of a purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.88" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.89 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Checks payment details, receipts and change, invoices and bills where relevant" ; rdfs:isDefinedBy ; rdfs:label "FCO.89" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.9 rdf:type owl:NamedIndividual , ; , ; ; ; , , ; rdfs:comment "Takes appropriate action if notes or coins are thought to be counterfeit" ; rdfs:isDefinedBy ; rdfs:label "FCO.9" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.90 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Requests a receipt if not provided and keeps receipts and other relevant documents related to important purchases" ; rdfs:isDefinedBy ; rdfs:label "FCO.90" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.91 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Keeps track of all money paid out or spent" ; rdfs:isDefinedBy ; rdfs:label "FCO.91" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.92 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Confident to double check when it appears that a mistake has been made with a payment or purchase and to act if this is the case" ; rdfs:isDefinedBy ; rdfs:label "FCO.92" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.93 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Knows that some purchases may incur ongoing costs such as maintenance or storage" ; rdfs:isDefinedBy ; rdfs:label "FCO.93" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.94 rdf:type owl:NamedIndividual , ; , ; ; ; , , , ; rdfs:comment "Is aware when subscriptions end and if they will be renewed automatically" ; rdfs:isDefinedBy ; rdfs:label "FCO.94" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.95 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Takes into account long-term implications of subscriptions and other purchases requiring repeated payments" ; rdfs:isDefinedBy ; rdfs:label "FCO.95" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.96 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , , ; rdfs:comment "Makes an informed decision about the overall impact of options to spread payments over time" ; rdfs:isDefinedBy ; rdfs:label "FCO.96" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.97 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Makes any ongoing payments as agreed" ; rdfs:isDefinedBy ; rdfs:label "FCO.97" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.98 rdf:type owl:NamedIndividual , ; , , ; ; ; , , , ; rdfs:comment "Makes an informed decision about whether to make large purchases immediately or in the future" ; rdfs:isDefinedBy ; rdfs:label "FCO.98" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.99 rdf:type owl:NamedIndividual , ; , , ; ; ; , , ; rdfs:comment "Confident to apply knowledge of factors such as inflation and exchange rates when making a decision about whether to delay a purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.99" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.1 rdf:type owl:NamedIndividual , ; rdfs:comment "About AML Rules" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.1 - AML Rules" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/AML_Rules" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.10 rdf:type owl:NamedIndividual , ; rdfs:comment "About Annual General Shareholder Meeting" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.10 - Annual General Shareholder Meeting" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Annual_General_Shareholder_Meeting" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.100 rdf:type owl:NamedIndividual , ; rdfs:comment "About Default Probability" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.100 - Default Probability" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Default_Probability" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.101 rdf:type owl:NamedIndividual , ; rdfs:comment "About Deferred Tax" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.101 - Deferred Tax" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Deferred_Tax" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.102 rdf:type owl:NamedIndividual , ; rdfs:comment "About Dependents" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.102 - Dependents" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Dependents" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.103 rdf:type owl:NamedIndividual , ; rdfs:comment "About Deposit Guarantee" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.103 - Deposit Guarantee" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Deposit_Guarantee" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.104 rdf:type owl:NamedIndividual , ; rdfs:comment "About Digital Comparison" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.104 - Digital Comparison" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Digital_Comparison" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.105 rdf:type owl:NamedIndividual , ; rdfs:comment "About Digital Insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.105 - Digital Insurance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Digital_Insurance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.106 rdf:type owl:NamedIndividual , ; rdfs:comment "About Digital Security" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.106 - Digital Security" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Digital_Security" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.107 rdf:type owl:NamedIndividual , ; rdfs:comment "About Digital Tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.107 - Digital Tools" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Digital_Tools" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.108 rdf:type owl:NamedIndividual , ; rdfs:comment "About Disability Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.108 - Disability Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Disability_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.109 rdf:type owl:NamedIndividual , ; rdfs:comment "About Disclosure Documents" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.109 - Disclosure Documents" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Disclosure_Documents" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.11 rdf:type owl:NamedIndividual , ; rdfs:comment "About Asset Allocation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.11 - Asset Allocation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Asset_Allocation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.110 rdf:type owl:NamedIndividual , ; rdfs:comment "About Disclosure Requirements" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.110 - Disclosure Requirements" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Disclosure_Requirements" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.111 rdf:type owl:NamedIndividual , ; rdfs:comment "About Discretionary Expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.111 - Discretionary Expenditure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Discretionary_Expenditure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.112 rdf:type owl:NamedIndividual , ; rdfs:comment "About Disposable Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.112 - Disposable Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Disposable_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.113 rdf:type owl:NamedIndividual , ; rdfs:comment "About Dispute Resolution" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.113 - Dispute Resolution" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Dispute_Resolution" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.114 rdf:type owl:NamedIndividual , ; rdfs:comment "About Diversified Portfolio" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.114 - Diversified Portfolio" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Diversified_Portfolio" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.115 rdf:type owl:NamedIndividual , ; rdfs:comment "About Divestment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.115 - Divestment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Divestment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.116 rdf:type owl:NamedIndividual , ; rdfs:comment "About Document Archive" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.116 - Document Archive" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Document_Archive" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.117 rdf:type owl:NamedIndividual , ; rdfs:comment "About Document Backup" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.117 - Document Backup" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Document_Backup" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.118 rdf:type owl:NamedIndividual , ; rdfs:comment "About Documentation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.118 - Documentation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Documentation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.119 rdf:type owl:NamedIndividual , ; rdfs:comment "About Documentation Accuracy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.119 - Documentation Accuracy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Documentation_Accuracy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.12 rdf:type owl:NamedIndividual , ; rdfs:comment "About Asset Liquidity" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.12 - Asset Liquidity" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Asset_Liquidity" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.120 rdf:type owl:NamedIndividual , ; rdfs:comment "About Documentation Completeness" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.120 - Documentation Completeness" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Documentation_Completeness" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.121 rdf:type owl:NamedIndividual , ; rdfs:comment "About Dynamic Pricing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.121 - Dynamic Pricing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Dynamic_Pricing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.122 rdf:type owl:NamedIndividual , ; rdfs:comment "About ESG Principles" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.122 - ESG Principles" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/ESG_Principles" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.123 rdf:type owl:NamedIndividual , ; rdfs:comment "About EU Taxonomy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.123 - EU Taxonomy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/EU_Taxonomy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.124 rdf:type owl:NamedIndividual , ; rdfs:comment "About Earned Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.124 - Earned Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Earned_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.125 rdf:type owl:NamedIndividual , ; rdfs:comment "About Economic Factor" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.125 - Economic Factor" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Economic_Factor" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.126 rdf:type owl:NamedIndividual , ; rdfs:comment "About Economic Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.126 - Economic Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Economic_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.127 rdf:type owl:NamedIndividual , ; rdfs:comment "About Education" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.127 - Education" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Education" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.128 rdf:type owl:NamedIndividual , ; rdfs:comment "About Electronic Documents" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.128 - Electronic Documents" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Electronic_Documents" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.129 rdf:type owl:NamedIndividual , ; rdfs:comment "About Electronic Form" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.129 - Electronic Form" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Electronic_Form" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.13 rdf:type owl:NamedIndividual , ; rdfs:comment "About Asset and Liability Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.13 - Asset and Liability Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Asset_and_Liability_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.130 rdf:type owl:NamedIndividual , ; rdfs:comment "About Electronic Format" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.130 - Electronic Format" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Electronic_Format" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.131 rdf:type owl:NamedIndividual , ; rdfs:comment "About Electronic Signature" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.131 - Electronic Signature" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Electronic_Signature" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.132 rdf:type owl:NamedIndividual , ; rdfs:comment "About Emergency Savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.132 - Emergency Savings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Emergency_Savings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.133 rdf:type owl:NamedIndividual , ; rdfs:comment "About Emerging Technologies" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.133 - Emerging Technologies" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Emerging_Technologies" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.134 rdf:type owl:NamedIndividual , ; rdfs:comment "About End-of-Life Planning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.134 - End-of-Life Planning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/End-of-Life_Planning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.135 rdf:type owl:NamedIndividual , ; rdfs:comment "About Environmental Footprint" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.135 - Environmental Footprint" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Environmental_Footprint" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.136 rdf:type owl:NamedIndividual , ; rdfs:comment "About Environmental Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.136 - Environmental Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Environmental_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.137 rdf:type owl:NamedIndividual , ; rdfs:comment "About Equity" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.137 - Equity" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Equity" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.138 rdf:type owl:NamedIndividual , ; rdfs:comment "About Essential Spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.138 - Essential Spending" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Essential_Spending" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.139 rdf:type owl:NamedIndividual , ; rdfs:comment "About Evidence" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.139 - Evidence" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Evidence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.14 rdf:type owl:NamedIndividual , ; rdfs:comment "About Assets" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.14 - Assets" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Assets" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.140 rdf:type owl:NamedIndividual , ; rdfs:comment "About Exceptional Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.140 - Exceptional Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Exceptional_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.141 rdf:type owl:NamedIndividual , ; rdfs:comment "About Exchange Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.141 - Exchange Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Exchange_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.142 rdf:type owl:NamedIndividual , ; rdfs:comment "About Expected Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.142 - Expected Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Expected_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.143 rdf:type owl:NamedIndividual , ; rdfs:comment "About Expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.143 - Expenditure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Expenditure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.144 rdf:type owl:NamedIndividual , ; rdfs:comment "About Expense Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.144 - Expense Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Expense_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.145 rdf:type owl:NamedIndividual , ; rdfs:comment "About Expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.145 - Expenses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Expenses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.146 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fair Price" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.146 - Fair Price" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fair_Price" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.147 rdf:type owl:NamedIndividual , ; rdfs:comment "About False Advertising" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.147 - False Advertising" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/False_Advertising" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.148 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fees" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.148 - Fees" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fees" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.149 rdf:type owl:NamedIndividual , ; rdfs:comment "About Final Price" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.149 - Final Price" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Final_Price" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.15 rdf:type owl:NamedIndividual , ; rdfs:comment "About Availability Bias" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.15 - Availability Bias" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Availability_Bias" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.150 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.150 - Financial Advice" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Advice" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.151 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Advisor" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.151 - Financial Advisor" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Advisor" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.152 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Behaviour" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.152 - Financial Behaviour" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Behaviour" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.153 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Broker" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.153 - Financial Broker" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Broker" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.154 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Budget" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.154 - Financial Budget" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Budget" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.155 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Commitment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.155 - Financial Commitment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Commitment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.156 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Consequence" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.156 - Financial Consequence" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Consequence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.157 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Consumer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.157 - Financial Consumer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Consumer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.158 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Context" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.158 - Financial Context" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Context" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.159 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.159 - Financial Decision" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Decision" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.16 rdf:type owl:NamedIndividual , ; rdfs:comment "About Backup Policy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.16 - Backup Policy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Backup_Policy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.160 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Document" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.160 - Financial Document" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Document" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.161 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Education" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.161 - Financial Education" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Education" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.162 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.162 - Financial Fraud" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Fraud" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.163 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Goals" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.163 - Financial Goals" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Goals" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.164 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Implication" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.164 - Financial Implication" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Implication" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.165 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Intermediary" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.165 - Financial Intermediary" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Intermediary" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.166 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.166 - Financial Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.167 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Literacy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.167 - Financial Literacy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Literacy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.168 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.168 - Financial Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.169 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.169 - Financial Matters" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Matters" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.17 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bank" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.17 - Bank" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bank" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.170 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Organisation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.170 - Financial Organisation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Organisation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.171 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Plan" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.171 - Financial Plan" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Plan" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.172 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Planning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.172 - Financial Planning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Planning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.173 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.173 - Financial Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.174 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Product Documentation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.174 - Financial Product Documentation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Product_Documentation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.175 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Product Innovation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.175 - Financial Product Innovation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Product_Innovation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.176 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.176 - Financial Provider" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Provider" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.177 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Record" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.177 - Financial Record" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Record" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.178 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Regulation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.178 - Financial Regulation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Regulation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.179 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Regulator" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.179 - Financial Regulator" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Regulator" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.18 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bank Account" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.18 - Bank Account" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bank_Account" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.180 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Resilience" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.180 - Financial Resilience" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Resilience" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.181 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.181 - Financial Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.182 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Risks" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.182 - Financial Risks" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Risks" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.183 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Safety" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.183 - Financial Safety" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Safety" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.184 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Safety Net" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.184 - Financial Safety Net" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Safety_Net" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.185 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Scams" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.185 - Financial Scams" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Scams" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.186 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Security" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.186 - Financial Security" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Security" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.187 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Services" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.187 - Financial Services" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Services" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.188 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Shock" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.188 - Financial Shock" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Shock" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.189 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Support" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.189 - Financial Support" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Support" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.19 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bank Account Balance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.19 - Bank Account Balance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bank_Account_Balance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.190 rdf:type owl:NamedIndividual , ; rdfs:comment "About Financial Well-being" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.190 - Financial Well-being" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Well-being" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.191 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fixed Interest Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.191 - Fixed Interest Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fixed_Interest_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.192 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fixed versus Variable Expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.192 - Fixed versus Variable Expenditure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fixed_versus_Variable_Expenditure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.193 rdf:type owl:NamedIndividual , ; rdfs:comment "About Flexible Credit Commitment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.193 - Flexible Credit Commitment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Flexible_Credit_Commitment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.194 rdf:type owl:NamedIndividual , ; rdfs:comment "About Forbearance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.194 - Forbearance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Forbearance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.195 rdf:type owl:NamedIndividual , ; rdfs:comment "About Force Majeure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.195 - Force Majeure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Force_Majeure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.196 rdf:type owl:NamedIndividual , ; rdfs:comment "About Foreclosure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.196 - Foreclosure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Foreclosure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.197 rdf:type owl:NamedIndividual , ; rdfs:comment "About Foreign Currency" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.197 - Foreign Currency" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Foreign_Currency" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.198 rdf:type owl:NamedIndividual , ; rdfs:comment "About Foreign Currency Loan" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.198 - Foreign Currency Loan" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Foreign_Currency_Loan" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.199 rdf:type owl:NamedIndividual , ; rdfs:comment "About Foreign Purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.199 - Foreign Purchase" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Foreign_Purchase" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.2 rdf:type owl:NamedIndividual , ; rdfs:comment "About Account Switching" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.2 - Account Switching" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Account_Switching" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.20 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bank Balance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.20 - Bank Balance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bank_Balance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.200 rdf:type owl:NamedIndividual , ; rdfs:comment "About Forms of Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.200 - Forms of Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Forms_of_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.201 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fraud" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.201 - Fraud" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fraud" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.202 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fraud Alerts" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.202 - Fraud Alerts" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fraud_Alerts" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.203 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fraud Techniques" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.203 - Fraud Techniques" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fraud_Techniques" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.204 rdf:type owl:NamedIndividual , ; rdfs:comment "About Fraudulent Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.204 - Fraudulent Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Fraudulent_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.205 rdf:type owl:NamedIndividual , ; rdfs:comment "About Funds" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.205 - Funds" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Funds" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.206 rdf:type owl:NamedIndividual , ; rdfs:comment "About Goods and Services" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.206 - Goods and Services" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Goods_and_Services" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.207 rdf:type owl:NamedIndividual , ; rdfs:comment "About Governance Preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.207 - Governance Preferences" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Governance_Preferences" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.208 rdf:type owl:NamedIndividual , ; rdfs:comment "About Governance Risks" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.208 - Governance Risks" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Governance_Risks" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.209 rdf:type owl:NamedIndividual , ; rdfs:comment "About Government Benefits" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.209 - Government Benefits" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Government_Benefits" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.21 rdf:type owl:NamedIndividual , ; rdfs:comment "About Benefits" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.21 - Benefits" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Benefits" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.210 rdf:type owl:NamedIndividual , ; rdfs:comment "About Government Support" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.210 - Government Support" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Government_Support" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.211 rdf:type owl:NamedIndividual , ; rdfs:comment "About Grace Period" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.211 - Grace Period" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Grace_Period" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.212 rdf:type owl:NamedIndividual , ; rdfs:comment "About Green Mortgage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.212 - Green Mortgage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Green_Mortgage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.213 rdf:type owl:NamedIndividual , ; rdfs:comment "About Green Mortgages" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.213 - Green Mortgages" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Green_Mortgages" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.214 rdf:type owl:NamedIndividual , ; rdfs:comment "About Greenwashing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.214 - Greenwashing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Greenwashing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.215 rdf:type owl:NamedIndividual , ; rdfs:comment "About Gross Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.215 - Gross Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Gross_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.216 rdf:type owl:NamedIndividual , ; rdfs:comment "About Guarantor" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.216 - Guarantor" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Guarantor" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.217 rdf:type owl:NamedIndividual , ; rdfs:comment "About Health Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.217 - Health Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Health_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.218 rdf:type owl:NamedIndividual , ; rdfs:comment "About Hedging" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.218 - Hedging" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Hedging" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.219 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Assets" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.219 - Household Assets" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Assets" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.22 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bid-Ask Spread" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.22 - Bid-Ask Spread" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bid-Ask_Spread" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.220 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Budget" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.220 - Household Budget" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Budget" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.221 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Events" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.221 - Household Events" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Events" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.222 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Factors" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.222 - Household Factors" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Factors" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.223 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Finances" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.223 - Household Finances" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Finances" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.224 rdf:type owl:NamedIndividual , ; rdfs:comment "About Household Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.224 - Household Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Household_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.225 rdf:type owl:NamedIndividual , ; rdfs:comment "About Identity Theft" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.225 - Identity Theft" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Identity_Theft" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.226 rdf:type owl:NamedIndividual , ; rdfs:comment "About Impartial Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.226 - Impartial Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Impartial_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.227 rdf:type owl:NamedIndividual , ; rdfs:comment "About Impulsive Shopping" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.227 - Impulsive Shopping" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Impulsive_Shopping" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.228 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.228 - Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.229 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Growth" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.229 - Income Growth" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Growth" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.23 rdf:type owl:NamedIndividual , ; rdfs:comment "About Big Data" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.23 - Big Data" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Big_Data" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.230 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Needs" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.230 - Income Needs" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Needs" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.231 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Statement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.231 - Income Statement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Statement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.232 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Taxation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.232 - Income Taxation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Taxation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.233 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Uncertainty" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.233 - Income Uncertainty" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Uncertainty" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.234 rdf:type owl:NamedIndividual , ; rdfs:comment "About Income Variability" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.234 - Income Variability" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Income_Variability" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.235 rdf:type owl:NamedIndividual , ; rdfs:comment "About Independent Advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.235 - Independent Advice" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Independent_Advice" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.236 rdf:type owl:NamedIndividual , ; rdfs:comment "About Independent Decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.236 - Independent Decisions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Independent_Decisions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.237 rdf:type owl:NamedIndividual , ; rdfs:comment "About Individual Finances" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.237 - Individual Finances" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Individual_Finances" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.238 rdf:type owl:NamedIndividual , ; rdfs:comment "About Individual Needs" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.238 - Individual Needs" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Individual_Needs" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.239 rdf:type owl:NamedIndividual , ; rdfs:comment "About Inflation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.239 - Inflation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Inflation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.24 rdf:type owl:NamedIndividual , ; rdfs:comment "About Bill" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.24 - Bill" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Bill" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.240 rdf:type owl:NamedIndividual , ; rdfs:comment "About Inflation Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.240 - Inflation Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Inflation_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.241 rdf:type owl:NamedIndividual , ; rdfs:comment "About Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.241 - Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.242 rdf:type owl:NamedIndividual , ; rdfs:comment "About Information Disclosure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.242 - Information Disclosure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Information_Disclosure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.243 rdf:type owl:NamedIndividual , ; rdfs:comment "About Information Storage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.243 - Information Storage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Information_Storage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.244 rdf:type owl:NamedIndividual , ; rdfs:comment "About Informed Consumer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.244 - Informed Consumer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Informed_Consumer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.245 rdf:type owl:NamedIndividual , ; rdfs:comment "About Informed Decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.245 - Informed Decision" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Informed_Decision" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.246 rdf:type owl:NamedIndividual , ; rdfs:comment "About Informed Purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.246 - Informed Purchase" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Informed_Purchase" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.247 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.247 - Insurance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.248 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance Coverage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.248 - Insurance Coverage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance_Coverage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.249 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance Premia" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.249 - Insurance Premia" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance_Premia" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.25 rdf:type owl:NamedIndividual , ; rdfs:comment "About Borrowing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.25 - Borrowing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Borrowing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.250 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.250 - Insurance Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.251 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance Provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.251 - Insurance Provider" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance_Provider" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.252 rdf:type owl:NamedIndividual , ; rdfs:comment "About Insurance Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.252 - Insurance Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Insurance_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.253 rdf:type owl:NamedIndividual , ; rdfs:comment "About Interest Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.253 - Interest Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Interest_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.254 rdf:type owl:NamedIndividual , ; rdfs:comment "About Interest Rate Level" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.254 - Interest Rate Level" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Interest_Rate_Level" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.255 rdf:type owl:NamedIndividual , ; rdfs:comment "About Interest-free Period" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.255 - Interest-free Period" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Interest-free_Period" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.256 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.256 - Investing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.257 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investing Concepts" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.257 - Investing Concepts" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investing_Concepts" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.258 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.258 - Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.259 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Advice" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.259 - Investment Advice" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Advice" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.26 rdf:type owl:NamedIndividual , ; rdfs:comment "About Borrowing Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.26 - Borrowing Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Borrowing_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.260 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Behavior" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.260 - Investment Behavior" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Behavior" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.261 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.261 - Investment Decision" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Decision" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.262 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Diversification" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.262 - Investment Diversification" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Diversification" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.263 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Fees" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.263 - Investment Fees" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Fees" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.264 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Horizon" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.264 - Investment Horizon" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Horizon" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.265 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.265 - Investment Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.266 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Monitoring" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.266 - Investment Monitoring" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Monitoring" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.267 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Objectives" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.267 - Investment Objectives" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Objectives" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.268 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Offer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.268 - Investment Offer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Offer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.269 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.269 - Investment Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.27 rdf:type owl:NamedIndividual , ; rdfs:comment "About Budget Adjustments" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.27 - Budget Adjustments" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Budget_Adjustments" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.270 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Research" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.270 - Investment Research" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Research" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.271 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Return" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.271 - Investment Return" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Return" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.272 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.272 - Investment Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.273 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Scheme" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.273 - Investment Scheme" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Scheme" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.274 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Strategy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.274 - Investment Strategy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Strategy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.275 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investment Value Change" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.275 - Investment Value Change" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investment_Value_Change" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.276 rdf:type owl:NamedIndividual , ; rdfs:comment "About Investments" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.276 - Investments" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Investments" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.277 rdf:type owl:NamedIndividual , ; rdfs:comment "About Invoice" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.277 - Invoice" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Invoice" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.278 rdf:type owl:NamedIndividual , ; rdfs:comment "About Irregular Expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.278 - Irregular Expenses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Irregular_Expenses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.279 rdf:type owl:NamedIndividual , ; rdfs:comment "About Irreversible Actions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.279 - Irreversible Actions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Irreversible_Actions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.28 rdf:type owl:NamedIndividual , ; rdfs:comment "About Budget Constraint" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.28 - Budget Constraint" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Budget_Constraint" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.280 rdf:type owl:NamedIndividual , ; rdfs:comment "About Irreversible Cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.280 - Irreversible Cost" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Irreversible_Cost" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.281 rdf:type owl:NamedIndividual , ; rdfs:comment "About Joint Ownership" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.281 - Joint Ownership" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Joint_Ownership" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.282 rdf:type owl:NamedIndividual , ; rdfs:comment "About Jurisdiction" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.282 - Jurisdiction" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Jurisdiction" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.283 rdf:type owl:NamedIndividual , ; rdfs:comment "About Late Payment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.283 - Late Payment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Late_Payment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.284 rdf:type owl:NamedIndividual , ; rdfs:comment "About Leasing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.284 - Leasing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Leasing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.285 rdf:type owl:NamedIndividual , ; rdfs:comment "About Legal Tender" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.285 - Legal Tender" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Legal_Tender" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.286 rdf:type owl:NamedIndividual , ; rdfs:comment "About Legal Value" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.286 - Legal Value" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Legal_Value" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.287 rdf:type owl:NamedIndividual , ; rdfs:comment "About Lender" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.287 - Lender" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Lender" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.288 rdf:type owl:NamedIndividual , ; rdfs:comment "About Life Insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.288 - Life Insurance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Life_Insurance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.289 rdf:type owl:NamedIndividual , ; rdfs:comment "About Life Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.289 - Life Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Life_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.29 rdf:type owl:NamedIndividual , ; rdfs:comment "About Budget versus Actual Analysis" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.29 - Budget versus Actual Analysis" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Budget_versus_Actual_Analysis" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.290 rdf:type owl:NamedIndividual , ; rdfs:comment "About Life Stage Planning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.290 - Life Stage Planning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Life_Stage_Planning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.291 rdf:type owl:NamedIndividual , ; rdfs:comment "About Life-long Learning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.291 - Life-long Learning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Life-long_Learning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.292 rdf:type owl:NamedIndividual , ; rdfs:comment "About Liquidity" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.292 - Liquidity" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Liquidity" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.293 rdf:type owl:NamedIndividual , ; rdfs:comment "About Living Expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.293 - Living Expenses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Living_Expenses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.294 rdf:type owl:NamedIndividual , ; rdfs:comment "About Loan" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.294 - Loan" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Loan" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.295 rdf:type owl:NamedIndividual , ; rdfs:comment "About Long-Term Planning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.295 - Long-Term Planning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Long-Term_Planning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.296 rdf:type owl:NamedIndividual , ; rdfs:comment "About Loss of Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.296 - Loss of Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Loss_of_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.297 rdf:type owl:NamedIndividual , ; rdfs:comment "About Maintenance Costs" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.297 - Maintenance Costs" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Maintenance_Costs" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.298 rdf:type owl:NamedIndividual , ; rdfs:comment "About Managing Debt" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.298 - Managing Debt" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Managing_Debt" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.299 rdf:type owl:NamedIndividual , ; rdfs:comment "About Managing Finances" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.299 - Managing Finances" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Managing_Finances" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.3 rdf:type owl:NamedIndividual , ; rdfs:comment "About Additional Cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.3 - Additional Cost" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Additional_Cost" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.30 rdf:type owl:NamedIndividual , ; rdfs:comment "About Budgeting Horizon" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.30 - Budgeting Horizon" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Budgeting_Horizon" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.300 rdf:type owl:NamedIndividual , ; rdfs:comment "About Managing Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.300 - Managing Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Managing_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.301 rdf:type owl:NamedIndividual , ; rdfs:comment "About Managing Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.301 - Managing Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Managing_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.302 rdf:type owl:NamedIndividual , ; rdfs:comment "About Market Volatility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.302 - Market Volatility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Market_Volatility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.303 rdf:type owl:NamedIndividual , ; rdfs:comment "About Marketing Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.303 - Marketing Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Marketing_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.304 rdf:type owl:NamedIndividual , ; rdfs:comment "About Marketing Practices" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.304 - Marketing Practices" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Marketing_Practices" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.305 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.305 - Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.306 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money Laundering" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.306 - Money Laundering" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money_Laundering" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.307 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money Matters" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.307 - Money Matters" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money_Matters" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.308 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money Properties" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.308 - Money Properties" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money_Properties" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.309 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money Security" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.309 - Money Security" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money_Security" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.31 rdf:type owl:NamedIndividual , ; rdfs:comment "About Budgeting Tool" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.31 - Budgeting Tool" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Budgeting_Tool" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.310 rdf:type owl:NamedIndividual , ; rdfs:comment "About Money Transfer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.310 - Money Transfer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Money_Transfer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.311 rdf:type owl:NamedIndividual , ; rdfs:comment "About Monitoring" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.311 - Monitoring" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Monitoring" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.312 rdf:type owl:NamedIndividual , ; rdfs:comment "About Mortgage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.312 - Mortgage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Mortgage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.313 rdf:type owl:NamedIndividual , ; rdfs:comment "About Negotiation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.313 - Negotiation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Negotiation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.314 rdf:type owl:NamedIndividual , ; rdfs:comment "About Net Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.314 - Net Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Net_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.315 rdf:type owl:NamedIndividual , ; rdfs:comment "About Non-life Insurance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.315 - Non-life Insurance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Non-life_Insurance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.316 rdf:type owl:NamedIndividual , ; rdfs:comment "About Notes" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.316 - Notes" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Notes" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.317 rdf:type owl:NamedIndividual , ; rdfs:comment "About Ongoing Payments" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.317 - Ongoing Payments" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Ongoing_Payments" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.318 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Comparison" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.318 - Online Comparison" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Comparison" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.319 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Identity" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.319 - Online Identity" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Identity" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.32 rdf:type owl:NamedIndividual , ; rdfs:comment "About Business Idea" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.32 - Business Idea" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Business_Idea" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.320 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Identity Theft" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.320 - Online Identity Theft" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Identity_Theft" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.321 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Offers" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.321 - Online Offers" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Offers" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.322 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Payments" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.322 - Online Payments" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Payments" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.323 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.323 - Online Provider" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Provider" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.324 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Transaction" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.324 - Online Transaction" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Transaction" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.325 rdf:type owl:NamedIndividual , ; rdfs:comment "About Online Transfer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.325 - Online Transfer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Online_Transfer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.326 rdf:type owl:NamedIndividual , ; rdfs:comment "About Opportunity Cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.326 - Opportunity Cost" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Opportunity_Cost" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.327 rdf:type owl:NamedIndividual , ; rdfs:comment "About Out-of-court Dispute Resolution" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.327 - Out-of-court Dispute Resolution" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Out-of-court_Dispute_Resolution" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.328 rdf:type owl:NamedIndividual , ; rdfs:comment "About Over-indebtedness" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.328 - Over-indebtedness" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Over-indebtedness" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.329 rdf:type owl:NamedIndividual , ; rdfs:comment "About Overdraft Facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.329 - Overdraft Facility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Overdraft_Facility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.33 rdf:type owl:NamedIndividual , ; rdfs:comment "About Business Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.33 - Business Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Business_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.330 rdf:type owl:NamedIndividual , ; rdfs:comment "About Overspending" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.330 - Overspending" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Overspending" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.331 rdf:type owl:NamedIndividual , ; rdfs:comment "About Ownership" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.331 - Ownership" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Ownership" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.332 rdf:type owl:NamedIndividual , ; rdfs:comment "About Paper Contract" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.332 - Paper Contract" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Paper_Contract" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.333 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Account" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.333 - Payment Account" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Account" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.334 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Details" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.334 - Payment Details" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Details" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.335 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.335 - Payment Facility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Facility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.336 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.336 - Payment Methods" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Methods" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.337 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Risks" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.337 - Payment Risks" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Risks" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.338 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Schedule" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.338 - Payment Schedule" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Schedule" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.339 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payment Technologies" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.339 - Payment Technologies" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payment_Technologies" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.34 rdf:type owl:NamedIndividual , ; rdfs:comment "About Buy Now Pay Later" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.34 - Buy Now Pay Later" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Buy_Now_Pay_Later" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.340 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payments" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.340 - Payments" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payments" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.341 rdf:type owl:NamedIndividual , ; rdfs:comment "About Payslip" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.341 - Payslip" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Payslip" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.342 rdf:type owl:NamedIndividual , ; rdfs:comment "About Peer-to-peer Lending" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.342 - Peer-to-peer Lending" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Peer-to-peer_Lending" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.343 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.343 - Pension" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.344 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.344 - Pension Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.345 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Pay-Out Phase" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.345 - Pension Pay-Out Phase" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Pay-Out_Phase" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.346 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.346 - Pension Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.347 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Reforms" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.347 - Pension Reforms" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Reforms" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.348 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Scheme Opt-out" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.348 - Pension Scheme Opt-out" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Scheme_Opt-out" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.349 rdf:type owl:NamedIndividual , ; rdfs:comment "About Pension Schemes" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.349 - Pension Schemes" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Pension_Schemes" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.35 rdf:type owl:NamedIndividual , ; rdfs:comment "About Career Choice" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.35 - Career Choice" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Career_Choice" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.350 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Convenience" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.350 - Personal Convenience" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Convenience" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.351 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.351 - Personal Credit" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Credit" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.352 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Data" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.352 - Personal Data" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Data" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.353 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Financial Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.353 - Personal Financial Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Financial_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.354 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.354 - Personal Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.355 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.355 - Personal Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.356 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Priorities" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.356 - Personal Priorities" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Priorities" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.357 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personal Strategies" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.357 - Personal Strategies" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personal_Strategies" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.358 rdf:type owl:NamedIndividual , ; rdfs:comment "About Personalized Pricing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.358 - Personalized Pricing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Personalized_Pricing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.359 rdf:type owl:NamedIndividual , ; rdfs:comment "About Planning" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.359 - Planning" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Planning" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.36 rdf:type owl:NamedIndividual , ; rdfs:comment "About Career Path" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.36 - Career Path" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Career_Path" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.360 rdf:type owl:NamedIndividual , ; rdfs:comment "About Political Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.360 - Political Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Political_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.361 rdf:type owl:NamedIndividual , ; rdfs:comment "About Portfolio" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.361 - Portfolio" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Portfolio" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.362 rdf:type owl:NamedIndividual , ; rdfs:comment "About Portfolio Diversification" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.362 - Portfolio Diversification" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Portfolio_Diversification" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.363 rdf:type owl:NamedIndividual , ; rdfs:comment "About Potential Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.363 - Potential Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Potential_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.364 rdf:type owl:NamedIndividual , ; rdfs:comment "About Potential Purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.364 - Potential Purchase" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Potential_Purchase" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.365 rdf:type owl:NamedIndividual , ; rdfs:comment "About Potential Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.365 - Potential Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Potential_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.366 rdf:type owl:NamedIndividual , ; rdfs:comment "About Preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.366 - Preferences" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Preferences" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.367 rdf:type owl:NamedIndividual , ; rdfs:comment "About Prepayment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.367 - Prepayment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Prepayment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.368 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price Comparison" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.368 - Price Comparison" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_Comparison" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.369 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price Conversion" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.369 - Price Conversion" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_Conversion" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.37 rdf:type owl:NamedIndividual , ; rdfs:comment "About Client Authentication" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.37 - Client Authentication" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Client_Authentication" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.370 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price Disclosure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.370 - Price Disclosure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_Disclosure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.371 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price Negotiation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.371 - Price Negotiation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_Negotiation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.372 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price Volatility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.372 - Price Volatility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_Volatility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.373 rdf:type owl:NamedIndividual , ; rdfs:comment "About Price versus Quality" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.373 - Price versus Quality" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Price_versus_Quality" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.374 rdf:type owl:NamedIndividual , ; rdfs:comment "About Private Pension" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.374 - Private Pension" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Private_Pension" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.375 rdf:type owl:NamedIndividual , ; rdfs:comment "About Product Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.375 - Product Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Product_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.376 rdf:type owl:NamedIndividual , ; rdfs:comment "About Product Quality" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.376 - Product Quality" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Product_Quality" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.377 rdf:type owl:NamedIndividual , ; rdfs:comment "About Products" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.377 - Products" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Products" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.378 rdf:type owl:NamedIndividual , ; rdfs:comment "About Project Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.378 - Project Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Project_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.379 rdf:type owl:NamedIndividual , ; rdfs:comment "About Prospectus" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.379 - Prospectus" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Prospectus" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.38 rdf:type owl:NamedIndividual , ; rdfs:comment "About Climate-related Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.38 - Climate-related Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Climate-related_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.380 rdf:type owl:NamedIndividual , ; rdfs:comment "About Providers" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.380 - Providers" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Providers" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.381 rdf:type owl:NamedIndividual , ; rdfs:comment "About Public Pension" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.381 - Public Pension" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Public_Pension" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.382 rdf:type owl:NamedIndividual , ; rdfs:comment "About Purchase Decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.382 - Purchase Decision" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Purchase_Decision" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.383 rdf:type owl:NamedIndividual , ; rdfs:comment "About Purchasing Power" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.383 - Purchasing Power" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Purchasing_Power" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.384 rdf:type owl:NamedIndividual , ; rdfs:comment "About Quotation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.384 - Quotation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Quotation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.385 rdf:type owl:NamedIndividual , ; rdfs:comment "About Ransomware" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.385 - Ransomware" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Ransomware" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.386 rdf:type owl:NamedIndividual , ; rdfs:comment "About Rate Environment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.386 - Rate Environment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Rate_Environment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.387 rdf:type owl:NamedIndividual , ; rdfs:comment "About Real Interest Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.387 - Real Interest Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Real_Interest_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.388 rdf:type owl:NamedIndividual , ; rdfs:comment "About Realised Losses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.388 - Realised Losses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Realised_Losses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.389 rdf:type owl:NamedIndividual , ; rdfs:comment "About Realistic Aspirations" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.389 - Realistic Aspirations" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Realistic_Aspirations" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.39 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cloud Storage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.39 - Cloud Storage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cloud_Storage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.390 rdf:type owl:NamedIndividual , ; rdfs:comment "About Receipt" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.390 - Receipt" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Receipt" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.391 rdf:type owl:NamedIndividual , ; rdfs:comment "About Recent Transaction" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.391 - Recent Transaction" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Recent_Transaction" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.392 rdf:type owl:NamedIndividual , ; rdfs:comment "About Recurring Costs" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.392 - Recurring Costs" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Recurring_Costs" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.393 rdf:type owl:NamedIndividual , ; rdfs:comment "About Redress Mechanism" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.393 - Redress Mechanism" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Redress_Mechanism" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.394 rdf:type owl:NamedIndividual , ; rdfs:comment "About Refund" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.394 - Refund" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Refund" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.395 rdf:type owl:NamedIndividual , ; rdfs:comment "About Regulated Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.395 - Regulated Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Regulated_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.396 rdf:type owl:NamedIndividual , ; rdfs:comment "About Related Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.396 - Related Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Related_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.397 rdf:type owl:NamedIndividual , ; rdfs:comment "About Reliable Information" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.397 - Reliable Information" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Reliable_Information" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.398 rdf:type owl:NamedIndividual , ; rdfs:comment "About Remittance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.398 - Remittance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Remittance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.399 rdf:type owl:NamedIndividual , ; rdfs:comment "About Repayment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.399 - Repayment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Repayment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.4 rdf:type owl:NamedIndividual , ; rdfs:comment "About Advertisement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.4 - Advertisement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Advertisement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.40 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cognitive Bias" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.40 - Cognitive Bias" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cognitive_Bias" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.400 rdf:type owl:NamedIndividual , ; rdfs:comment "About Repayment Period" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.400 - Repayment Period" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Repayment_Period" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.401 rdf:type owl:NamedIndividual , ; rdfs:comment "About Reported Scams" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.401 - Reported Scams" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Reported_Scams" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.402 rdf:type owl:NamedIndividual , ; rdfs:comment "About Reporting Scams" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.402 - Reporting Scams" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Reporting_Scams" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.403 rdf:type owl:NamedIndividual , ; rdfs:comment "About Required Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.403 - Required Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Required_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.404 rdf:type owl:NamedIndividual , ; rdfs:comment "About Retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.404 - Retirement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Retirement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.405 rdf:type owl:NamedIndividual , ; rdfs:comment "About Retirement Plan" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.405 - Retirement Plan" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Retirement_Plan" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.406 rdf:type owl:NamedIndividual , ; rdfs:comment "About Retirement Saving" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.406 - Retirement Saving" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Retirement_Saving" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.407 rdf:type owl:NamedIndividual , ; rdfs:comment "About Return Policy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.407 - Return Policy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Return_Policy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.408 rdf:type owl:NamedIndividual , ; rdfs:comment "About Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.408 - Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.409 rdf:type owl:NamedIndividual , ; rdfs:comment "About Risk Horizon" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.409 - Risk Horizon" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Risk_Horizon" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.41 rdf:type owl:NamedIndividual , ; rdfs:comment "About Coins" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.41 - Coins" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Coins" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.410 rdf:type owl:NamedIndividual , ; rdfs:comment "About Risk Mitigation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.410 - Risk Mitigation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Risk_Mitigation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.411 rdf:type owl:NamedIndividual , ; rdfs:comment "About Risk Preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.411 - Risk Preferences" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Risk_Preferences" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.412 rdf:type owl:NamedIndividual , ; rdfs:comment "About Risk Tolerance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.412 - Risk Tolerance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Risk_Tolerance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.413 rdf:type owl:NamedIndividual , ; rdfs:comment "About Roboadvisor" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.413 - Roboadvisor" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Roboadvisor" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.414 rdf:type owl:NamedIndividual , ; rdfs:comment "About Rotating Credit Facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.414 - Rotating Credit Facility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Rotating_Credit_Facility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.415 rdf:type owl:NamedIndividual , ; rdfs:comment "About Safety Net" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.415 - Safety Net" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Safety_Net" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.416 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sales Channel" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.416 - Sales Channel" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sales_Channel" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.417 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sales Pressure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.417 - Sales Pressure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sales_Pressure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.418 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.418 - Savings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.419 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.419 - Savings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.42 rdf:type owl:NamedIndividual , ; rdfs:comment "About Collateral" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.42 - Collateral" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Collateral" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.420 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Account" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.420 - Savings Account" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Account" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.421 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Buffer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.421 - Savings Buffer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Buffer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.422 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Goal" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.422 - Savings Goal" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Goal" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.423 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.423 - Savings Methods" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Methods" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.424 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.424 - Savings Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.425 rdf:type owl:NamedIndividual , ; rdfs:comment "About Savings Target" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.425 - Savings Target" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Savings_Target" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.426 rdf:type owl:NamedIndividual , ; rdfs:comment "About Secured Loan" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.426 - Secured Loan" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Secured_Loan" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.427 rdf:type owl:NamedIndividual , ; rdfs:comment "About Service Provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.427 - Service Provider" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Service_Provider" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.428 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shareholder Actions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.428 - Shareholder Actions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shareholder_Actions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.429 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shareholder Engagement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.429 - Shareholder Engagement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shareholder_Engagement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.43 rdf:type owl:NamedIndividual , ; rdfs:comment "About Collective Investment Scheme" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.43 - Collective Investment Scheme" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Collective_Investment_Scheme" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.430 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shareholder Meetings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.430 - Shareholder Meetings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shareholder_Meetings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.431 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shareholder Rights" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.431 - Shareholder Rights" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shareholder_Rights" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.432 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shipping Conditions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.432 - Shipping Conditions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shipping_Conditions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.433 rdf:type owl:NamedIndividual , ; rdfs:comment "About Shipping Costs" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.433 - Shipping Costs" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Shipping_Costs" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.434 rdf:type owl:NamedIndividual , ; rdfs:comment "About Short-term Credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.434 - Short-term Credit" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Short-term_Credit" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.435 rdf:type owl:NamedIndividual , ; rdfs:comment "About Social Contracts" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.435 - Social Contracts" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Social_Contracts" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.436 rdf:type owl:NamedIndividual , ; rdfs:comment "About Social Impact" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.436 - Social Impact" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Social_Impact" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.437 rdf:type owl:NamedIndividual , ; rdfs:comment "About Social Support" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.437 - Social Support" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Social_Support" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.438 rdf:type owl:NamedIndividual , ; rdfs:comment "About Social Trading" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.438 - Social Trading" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Social_Trading" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.439 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sources of Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.439 - Sources of Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sources_of_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.44 rdf:type owl:NamedIndividual , ; rdfs:comment "About Collective Shareholder Action" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.44 - Collective Shareholder Action" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Collective_Shareholder_Action" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.440 rdf:type owl:NamedIndividual , ; rdfs:comment "About Specific Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.440 - Specific Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Specific_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.441 rdf:type owl:NamedIndividual , ; rdfs:comment "About Spending" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.441 - Spending" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Spending" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.442 rdf:type owl:NamedIndividual , ; rdfs:comment "About Spending Decisions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.442 - Spending Decisions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Spending_Decisions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.443 rdf:type owl:NamedIndividual , ; rdfs:comment "About Standard of Living" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.443 - Standard of Living" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Standard_of_Living" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.444 rdf:type owl:NamedIndividual , ; rdfs:comment "About State Pension" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.444 - State Pension" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/State_Pension" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.445 rdf:type owl:NamedIndividual , ; rdfs:comment "About Stocks" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.445 - Stocks" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Stocks" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.446 rdf:type owl:NamedIndividual , ; rdfs:comment "About Storage Facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.446 - Storage Facility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Storage_Facility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.447 rdf:type owl:NamedIndividual , ; rdfs:comment "About Storage of Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.447 - Storage of Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Storage_of_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.448 rdf:type owl:NamedIndividual , ; rdfs:comment "About Store Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.448 - Store Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Store_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.449 rdf:type owl:NamedIndividual , ; rdfs:comment "About Substitution" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.449 - Substitution" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Substitution" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.45 rdf:type owl:NamedIndividual , ; rdfs:comment "About Commissions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.45 - Commissions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Commissions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.450 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sufficient Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.450 - Sufficient Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sufficient_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.451 rdf:type owl:NamedIndividual , ; rdfs:comment "About Suitability Assessment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.451 - Suitability Assessment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Suitability_Assessment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.452 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sunk Cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.452 - Sunk Cost" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sunk_Cost" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.453 rdf:type owl:NamedIndividual , ; rdfs:comment "About Supply Chain" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.453 - Supply Chain" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Supply_Chain" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.454 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.454 - Sustainability" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.455 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Aspects" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.455 - Sustainability Aspects" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Aspects" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.456 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Attributes" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.456 - Sustainability Attributes" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Attributes" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.457 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Criteria" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.457 - Sustainability Criteria" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Criteria" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.458 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Factors" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.458 - Sustainability Factors" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Factors" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.459 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Label" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.459 - Sustainability Label" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Label" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.46 rdf:type owl:NamedIndividual , ; rdfs:comment "About Company Shares" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.46 - Company Shares" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Company_Shares" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.460 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.460 - Sustainability Preferences" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Preferences" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.461 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainability Rating" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.461 - Sustainability Rating" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainability_Rating" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.462 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainable Consumption" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.462 - Sustainable Consumption" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainable_Consumption" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.463 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainable Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.463 - Sustainable Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainable_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.464 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainable Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.464 - Sustainable Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainable_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.465 rdf:type owl:NamedIndividual , ; rdfs:comment "About Sustainable Savings Products" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.465 - Sustainable Savings Products" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Sustainable_Savings_Products" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.466 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.466 - Tax" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.467 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Administration" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.467 - Tax Administration" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Administration" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.468 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Authority" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.468 - Tax Authority" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Authority" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.469 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Obligation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.469 - Tax Obligation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Obligation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.47 rdf:type owl:NamedIndividual , ; rdfs:comment "About Comparison Tool" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.47 - Comparison Tool" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Comparison_Tool" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.470 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Policy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.470 - Tax Policy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Policy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.471 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Refund" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.471 - Tax Refund" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Refund" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.472 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tax Treatment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.472 - Tax Treatment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tax_Treatment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.473 rdf:type owl:NamedIndividual , ; rdfs:comment "About Taxes Owed" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.473 - Taxes Owed" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Taxes_Owed" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.474 rdf:type owl:NamedIndividual , ; rdfs:comment "About Term Credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.474 - Term Credit" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Term_Credit" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.475 rdf:type owl:NamedIndividual , ; rdfs:comment "About Term Sheet" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.475 - Term Sheet" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Term_Sheet" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.476 rdf:type owl:NamedIndividual , ; rdfs:comment "About Terms and Conditions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.476 - Terms and Conditions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Terms_and_Conditions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.477 rdf:type owl:NamedIndividual , ; rdfs:comment "About Time Horizon" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.477 - Time Horizon" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Time_Horizon" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.478 rdf:type owl:NamedIndividual , ; rdfs:comment "About Time Value of Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.478 - Time Value of Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Time_Value_of_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.479 rdf:type owl:NamedIndividual , ; rdfs:comment "About Timely Repayment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.479 - Timely Repayment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Timely_Repayment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.48 rdf:type owl:NamedIndividual , ; rdfs:comment "About Competitive Prices" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.48 - Competitive Prices" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Competitive_Prices" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.480 rdf:type owl:NamedIndividual , ; rdfs:comment "About Tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.480 - Tools" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Tools" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.481 rdf:type owl:NamedIndividual , ; rdfs:comment "About Total Credit Cost" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.481 - Total Credit Cost" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Total_Credit_Cost" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.482 rdf:type owl:NamedIndividual , ; rdfs:comment "About Trading Tools" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.482 - Trading Tools" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Trading_Tools" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.483 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transaction" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.483 - Transaction" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transaction" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.484 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transaction Auditing" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.484 - Transaction Auditing" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transaction_Auditing" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.485 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transaction Documentation" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.485 - Transaction Documentation" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transaction_Documentation" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.486 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transaction Fees" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.486 - Transaction Fees" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transaction_Fees" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.487 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transaction Log" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.487 - Transaction Log" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transaction_Log" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.488 rdf:type owl:NamedIndividual , ; rdfs:comment "About Transfer Methods" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.488 - Transfer Methods" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Transfer_Methods" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.489 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unearned Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.489 - Unearned Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unearned_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.49 rdf:type owl:NamedIndividual , ; rdfs:comment "About Complementary Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.49 - Complementary Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Complementary_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.490 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unemployment Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.490 - Unemployment Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unemployment_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.491 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unexpected Expense" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.491 - Unexpected Expense" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unexpected_Expense" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.492 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unexpected Expenses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.492 - Unexpected Expenses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unexpected_Expenses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.493 rdf:type owl:NamedIndividual , ; rdfs:comment "About Uninformed Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.493 - Uninformed Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Uninformed_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.494 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unplanned Purchase" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.494 - Unplanned Purchase" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unplanned_Purchase" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.495 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unrealised Gains and Losses" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.495 - Unrealised Gains and Losses" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unrealised_Gains_and_Losses" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.496 rdf:type owl:NamedIndividual , ; rdfs:comment "About Unwanted Credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.496 - Unwanted Credit" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Unwanted_Credit" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.497 rdf:type owl:NamedIndividual , ; rdfs:comment "About Uses of Funds" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.497 - Uses of Funds" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Uses_of_Funds" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.498 rdf:type owl:NamedIndividual , ; rdfs:comment "About Utility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.498 - Utility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Utility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.499 rdf:type owl:NamedIndividual , ; rdfs:comment "About Value" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.499 - Value" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Value" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.5 rdf:type owl:NamedIndividual , ; rdfs:comment "About Advertising" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.5 - Advertising" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Advertising" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.50 rdf:type owl:NamedIndividual , ; rdfs:comment "About Compound Interest" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.50 - Compound Interest" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Compound_Interest" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.500 rdf:type owl:NamedIndividual , ; rdfs:comment "About Value Investment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.500 - Value Investment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Value_Investment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.501 rdf:type owl:NamedIndividual , ; rdfs:comment "About Variable Expenditure" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.501 - Variable Expenditure" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Variable_Expenditure" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.502 rdf:type owl:NamedIndividual , ; rdfs:comment "About Variable Interest Rate" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.502 - Variable Interest Rate" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Variable_Interest_Rate" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.503 rdf:type owl:NamedIndividual , ; rdfs:comment "About Wage" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.503 - Wage" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Wage" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.504 rdf:type owl:NamedIndividual , ; rdfs:comment "About Working Age" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.504 - Working Age" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Working_Age" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.51 rdf:type owl:NamedIndividual , ; rdfs:comment "About Compulsory Retirement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.51 - Compulsory Retirement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Compulsory_Retirement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.52 rdf:type owl:NamedIndividual , ; rdfs:comment "About Compulsory Retirement Savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.52 - Compulsory Retirement Savings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Compulsory_Retirement_Savings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.53 rdf:type owl:NamedIndividual , ; rdfs:comment "About Conflict of Interest" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.53 - Conflict of Interest" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Conflict_of_Interest" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.54 rdf:type owl:NamedIndividual , ; rdfs:comment "About Consumer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.54 - Consumer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Consumer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.55 rdf:type owl:NamedIndividual , ; rdfs:comment "About Consumer Price" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.55 - Consumer Price" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Consumer_Price" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.56 rdf:type owl:NamedIndividual , ; rdfs:comment "About Consumer Protection" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.56 - Consumer Protection" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Consumer_Protection" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.57 rdf:type owl:NamedIndividual , ; rdfs:comment "About Consumer Rights" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.57 - Consumer Rights" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Consumer_Rights" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.58 rdf:type owl:NamedIndividual , ; rdfs:comment "About Contractual Obligations" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.58 - Contractual Obligations" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Contractual_Obligations" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.59 rdf:type owl:NamedIndividual , ; rdfs:comment "About Convert Prices" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.59 - Convert Prices" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Convert_Prices" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.6 rdf:type owl:NamedIndividual , ; rdfs:comment "About Advising Tool" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.6 - Advising Tool" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Advising_Tool" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.60 rdf:type owl:NamedIndividual , ; rdfs:comment "About Converter Tool" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.60 - Converter Tool" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Converter_Tool" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.61 rdf:type owl:NamedIndividual , ; rdfs:comment "About Corporate Governance" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.61 - Corporate Governance" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Corporate_Governance" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.62 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cost Comparison" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.62 - Cost Comparison" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cost_Comparison" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.63 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cost of Credit" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.63 - Cost of Credit" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cost_of_Credit" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.64 rdf:type owl:NamedIndividual , ; rdfs:comment "About Counterfeit Money" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.64 - Counterfeit Money" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Counterfeit_Money" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.65 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Aggreement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.65 - Credit Aggreement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Aggreement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.66 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Card" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.66 - Credit Card" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Card" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.67 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Commitment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.67 - Credit Commitment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Commitment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.68 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Culture" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.68 - Credit Culture" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Culture" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.69 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Facility" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.69 - Credit Facility" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Facility" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.7 rdf:type owl:NamedIndividual , ; rdfs:comment "About Agreement" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.7 - Agreement" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Agreement" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.70 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Installment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.70 - Credit Installment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Installment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.71 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Offer" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.71 - Credit Offer" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Offer" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.72 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Payment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.72 - Credit Payment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Payment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.73 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Product" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.73 - Credit Product" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Product" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.74 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Provider" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.74 - Credit Provider" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Provider" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.75 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Repayment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.75 - Credit Repayment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Repayment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.76 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Risk" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.76 - Credit Risk" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Risk" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.77 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Score" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.77 - Credit Score" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Score" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.78 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Scoring" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.78 - Credit Scoring" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Scoring" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.79 rdf:type owl:NamedIndividual , ; rdfs:comment "About Credit Scoring System" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.79 - Credit Scoring System" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Credit_Scoring_System" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.8 rdf:type owl:NamedIndividual , ; rdfs:comment "About Algorithm" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.8 - Algorithm" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Algorithm" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.80 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cryptocurrency" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.80 - Cryptocurrency" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cryptocurrency" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.81 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cultural Preferences" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.81 - Cultural Preferences" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cultural_Preferences" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.82 rdf:type owl:NamedIndividual , ; rdfs:comment "About Cultural Values" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.82 - Cultural Values" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Cultural_Values" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.83 rdf:type owl:NamedIndividual , ; rdfs:comment "About Currency" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.83 - Currency" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Currency" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.84 rdf:type owl:NamedIndividual , ; rdfs:comment "About Currency Converter" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.84 - Currency Converter" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Currency_Converter" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.85 rdf:type owl:NamedIndividual , ; rdfs:comment "About Current Income" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.85 - Current Income" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Current_Income" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.86 rdf:type owl:NamedIndividual , ; rdfs:comment "About Current Savings" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.86 - Current Savings" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Current_Savings" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.87 rdf:type owl:NamedIndividual , ; rdfs:comment "About Data Privacy" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.87 - Data Privacy" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Data_Privacy" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.88 rdf:type owl:NamedIndividual , ; rdfs:comment "About Data Protection" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.88 - Data Protection" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Data_Protection" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.89 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debit Card" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.89 - Debit Card" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debit_Card" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.9 rdf:type owl:NamedIndividual , ; rdfs:comment "About Algorithmic Decision" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.9 - Algorithmic Decision" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Algorithmic_Decision" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.90 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.90 - Debt" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.91 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Accrual" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.91 - Debt Accrual" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Accrual" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.92 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Burden" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.92 - Debt Burden" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Burden" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.93 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Levels" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.93 - Debt Levels" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Levels" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.94 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Management" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.94 - Debt Management" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Management" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.95 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Repayment" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.95 - Debt Repayment" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Repayment" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.96 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Repayment Difficulty" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.96 - Debt Repayment Difficulty" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Repayment_Difficulty" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.97 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt Service" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.97 - Debt Service" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt_Service" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.98 rdf:type owl:NamedIndividual , ; rdfs:comment "About Debt-to-Income Ratio" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.98 - Debt-to-Income Ratio" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Debt-to-Income_Ratio" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/FCO.Concept.99 rdf:type owl:NamedIndividual , ; rdfs:comment "About Deductions" ; rdfs:isDefinedBy ; rdfs:label "FCO.Concept.99 - Deductions" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Deductions" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/Large_Population_Competences rdf:type owl:NamedIndividual , ; rdfs:comment "In order to make the framework easier to navigate and use for policy makers and practitioners, it specifies competences that are particularly relevant to: (i) daily life and/or to current or future financial well-being; and to (ii) a majority of the adult population. For instance, most of the competences in the ‘money and transactions’, ‘planning and managing finances’ or ‘financial landscape’ content area, as well as some competences in the “risk and reward” content area (e.g. insurance and safety nets) are relevant for the daily life of most adults (i.e. relevant for (i) and (ii)). In contrast, competences related to foreign exchange are relevant only for certain adults (i.e. only relevant for (i))" ; rdfs:label "Competences Concerning Large Populations" . ### https://www.openriskmanual.org/ns/fco/Resilience_Competences rdf:type owl:NamedIndividual , ; rdfs:comment "For the purpose of this framework, financial resilience is defined as the ability of individuals or households to resist, cope with and recover from negative shocks with financial consequences. These shocks can be both macro (general) and micro (individual-specific). Important considerations in this respect are the prevention of (preventive action) and quick recovery from (capability to withstand) serious negative financial effects of shocks. Hence, financial resilience covers a wide universe of competences." ; rdfs:label "Resilience Competences" . ### https://www.openriskmanual.org/ns/fco/Skills_and_Behaviour rdf:type owl:NamedIndividual , ; rdfs:comment "The dimension skills/behaviour describes competences related to actions and skills that have the objective of improving individual financial well-being." ; rdfs:isDefinedBy ; rdfs:label "Skills and Behaviour" ; rdfs:seeAlso "https://www.openriskmanual.org/wiki/Financial_Competence" ; owl:versionInfo "0.1" . ### https://www.openriskmanual.org/ns/fco/Sustainability_Competences rdf:type owl:NamedIndividual , ; rdfs:comment "Sustainability concerns have increasingly become more relevant for personal finance and there is currently a strong surge in sustainable financial products and services. In the EU, regulation related to sustainable finance, and notably to sustainability disclosures, is being developed at a high pace. This offers more opportunities for individuals to align their financial decisions with their sustainability preferences, which may also have broader societal implications. However, it may also increase complexity of the financial landscape in which they have to take their decisions. Adults should develop the knowledge, attitudes and skills that are necessary to make sound financial decisions that account for their sustainability (environmental, social and governance) preferences. Sustainable finance competences were covered to a limited extent in the 2016 G20/OECD INFE Core competencies framework on financial literacy for adults. They have now been better integrated in the new EU/OECD-INFE framework. The sustainable finance competences are formulated in a way to also accommodate expected developments. This is particularly challenging in view of the high pace of developments in the field of sustainable finance and the technical nature of some of the competences. Similarly to digital financial competences, sustainable finance competences are incorporated horizontally throughout the framework as sustainable finance is relevant to several aspects of personal finance, including beyond investment. Some of the most relevant sustainable finance competences that have been added refer to environmental impact of purchases, sustainability characteristics of investment products, sustainable investment, greenwashing, climate-related risks and sustainability labels. To make sustainable finance competences easier to identify in the framework they have been flagged in green in the printable version of the framework." ; rdfs:label "Sustainability Competences" . ### https://www.openriskmanual.org/ns/fco/1_Money_and_Transactions rdf:type owl:NamedIndividual , . ### https://www.openriskmanual.org/ns/fco/1.1_Money_and_Currencies rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.1.1_Forms_and_use_of_Money rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.1.2_Notes_and_Coins rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.1.3_Foreign_Exchange rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.2_Income rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.2.1_Sources_of_Income rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.2.2_Pay_Slips_and_Income_Statements rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.2.3_Income_Needs rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.2.4_Impact_of_Career_Path_on_Income rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3_Prices_Purchases_and_Payments rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.1_Prices rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.2_Price_Comparisons rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.3_Purchases rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.4_Payment_Methods_and_Transferring_Money rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.5_Checking_and_Keeping_Track_of_Payments_and_Purchases rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.6_Implications_of_Purchases rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.3.7_Sustainability_Aspects_of_Prices_and_Purchases rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.4_Financial_Records_and_Contracts rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.4.1_Understanding_and_Signing_Contracts rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/1.4.2_Financial_Records rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2_Planning_and_managing_finances rdf:type owl:NamedIndividual , . ### https://www.openriskmanual.org/ns/fco/2.1_Budgeting rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.1.1_Monitoring_income_and_expenses rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.1.2_Drawing_a_budget rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.2_Managing_Income_and_Expenditure rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.2.1_Basics_of_managing_income_and_expenses rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.2.2_Managing_irregular_and_unexpected_income_and_expenses rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3_Saving rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3.1_Saving_goals_and_priorities rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3.2_Savings_buffers rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3.3_Interest_rates rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3.4_Choosing_saving_products rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.3.5_Managing_savings rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4_Investing rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.1_Basics_of_investing rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.2_Share_and_fund_prices rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.3_Choosing_and_diversifying_investments rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.4_Crypto-assets_and_related_digital_developments rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.5_Shareholder_rights rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.6_Sustainable_investment rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.7_Commodities rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.4.8_Factors_influencing_investment_decisions rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.5_Longer-Term_Planning_and_Asset_Building rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.5.1_Basics_of_long-term_planning rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.6_Retirement rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.6.1_Basics_of_pension_planning rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.6.2_Categories_of_pension_products rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.6.3_Managing_pension_products rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.6.4_Sustainability_considerations_for_pensions rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7_Credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.1_Considerations_before_asking_for_credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.2_Guarantors_and_collateral rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.3_Choosing_credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.4_Risks_of_taking_a_credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.5_Application_for_credit_and_credit_score rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.6_Repaying_credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.7_Renegotiating_a_credit_agreement rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.8_Overdrafts rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.7.9_Easy-access_high-cost_credit rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.8_Debt_and_Debt_Management rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.8.1_Managing_debt rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.8.2_Debt_accrued_from_late_payments rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/2.8.3_Difficulty_to_repay_debt rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3_Risk_and_reward rdf:type owl:NamedIndividual , . ### https://www.openriskmanual.org/ns/fco/3.1_Identifying_Risks rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.1.1_Basics_of_risk rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.1.2_Sources_of_risks rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.1.3_Specific_risks_of_digital_products_and_services rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2_Financial_safety_nets_and_insurance rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2.1_Creating_a_safety_net rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2.2_Choosing_insurance rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2.3_Digital_insurance_provision rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2.4_Insurance_against_climate-related_risks rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.2.5_Government_support rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.3_Balancing_Risk_and_Reward rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.3.1_Relationship_between_risk_and_reward rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/3.3.2_Sustainability_implications_on_risk_and_reward rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4_Financial_Landscape rdf:type owl:NamedIndividual , . ### https://www.openriskmanual.org/ns/fco/4.1_Regulation_and_Consumer_Protection rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.1.1_Consumer_Protection_Regulations rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.1.2_Complaints rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.1.3_Personal_Data_Protection rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.2_Rights_and_Responsibilities rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.2.1_Consumer_rights_and_responsibilities rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.3_Financial_Education_Information_and_Advice rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.3.1_Financial_Information rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.3.2_Financial_Education rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.3.3_Financial_Advice rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.3.4_Discussing_financial_matters rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4_Financial_Products_and_Services rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4.1_Characteristics_of_Financial_Products_and_Services rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4.2_Offers_from_non-financial_entities rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4.3_Sustainability_Preferences rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4.4_Sustainability_Labels_and_Standards rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.4.5_Disclosure rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.5_Scams_and_Fraud rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.5.1_Scams_and_Fraud rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.5.2_Greenwashing rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.5.3_Personal_Data_Scams_and_Fraud rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.5.4_Reporting_Scams_and_Frauds rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.6_Tax_and_Public_Spending rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.6.1_Taxes_and_tax_treatments rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.7_External_Influences rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.7.1_External_Influences rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.7.2_Macroeconomic_Impact_on_Personal_Finance rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.7.3_Advertising rdf:type owl:NamedIndividual , ; . ### https://www.openriskmanual.org/ns/fco/4.7.4_Broader_sustainability_impact_of_personal_finance_decisions rdf:type owl:NamedIndividual , ; . ### Generated by the OWL API (version 5.1.18) https://github.com/owlcs/owlapi/