To continue this success, lawmakers are permanently working to improve the Pfandbrief Act. The latest improvements were adopted in 2009 and 2010. At this point, I would like to make a brief comment on Basel III. The negotiations were finalized some months ago and the general outcome is an increase in equity requirements and new buffers to withstand future periods of stress.
–  Census information tells us that the average age of widowhood is 55 years old. –  The current divorce rate is estimated at between 36 and 50 percent. 1  –  Statistics indicate that the earlier in life one marries, the higher the probability of divorce. –  Women are more likely than men to be single parents.