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* **Masking and Rotoscoping:** Isolate objects and create special effects.
* **Other Shia Militias:** Various groups from Iraq, Afghanistan, and other countries, supported by Iran.
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Alright, let's zoom in on how IFRS 9 has changed the game for credit risk management in European banks. The shift from the incurred loss model (IAS 39) to the **Expected Credit Loss (ECL)** model (IFRS 9) has caused a fundamental change in the way banks assess and manage credit risk. The forward-looking nature of ECL has forced banks to become more proactive in identifying and addressing potential credit losses. This has led to several key changes in how European banks operate.
