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The Department of Business, Energy and Industrial Strategy sponsored award is one of the most competitive categories in the Trade Association Forum’s annual awards. It recognises a successful initiative, by a trade association, to tackle an important issue that will drive the future prosperity and growth of its members. The production of cost in every single trade is increasing with the frequent hikes in the fuels, electricity tariffs, new human friendly norms and new tax structures. No one can take risk to play with quality of product as it directly affects the manufacturer image. Instead every manufacturer is investing over before for making products better in terms of quality and appearance both. It seems a marathon effort to maintain the development cost within control submerging the hikes in the expense of inputs for longer period. Still, hiring business consulting services to get ready or improve existing business model will be seen as great help. If you do not like the image currently showing, right-click on the desktop again and choose "Next desktop background" to see another one. The images will cycle automatically after an interval giving you something stunning to look at. Human-life approach and the needs approach include the two main methods used to indicate the total amount from the insurance someone needs. Human-life approach is founded on the individual's salary and through discount rate, the existing valuation on life can be identify as the needs approach is based on every unusual and reoccurring expenses. This type of insurance is design to guard you and also enable you to pay a prearranged amount. In September 2004 the EU implemented legislation that banned using over 1,000 chemicals of concern in personal care products. The prohibited chemicals were those known or strongly suspected of causing cancer, mutation, or birth defects. The EU ban has served being a wake-up demand many US companies who market a few overseas. In response some companies have replaced toxins in their goods, for example phthalates, parabens, and formaldehyde with non-toxic alternatives. Friends and colleagues gathered to applaud worthy winners across seven categories – and recognise the creativity and dedication which underpin the whole sector’s contribution to the economy, to society and to customers, staff and stakeholders.