Question: Research indicates clearly that most organisations in Malta have no formal or even clear credit policy and fewer still have any sort of policy set out in writing
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Answer: Research indicates clearly that most organisations in Malta have no formal or even clear credit policy, and fewer still have any sort of policy set out in writing.
For periods this has caused repression and unfair treatment but it also has caused development activities and views that could give us some inspiration here in Denmark

Can you repeat this sentence, but add in punctuation?
For periods this has caused repression and unfair treatment, but it also has caused development, activities and views that could give us some inspiration here in Denmark.
input: Tea Scholarships currently stocked with Batik fabric
fixed: Tea Scholarships currently stocked with Batik fabric
input ---- We have added new graphs
output ---- We have added new graphs.
Add punctuation: PokerStarsCOMEU players can buyin to any of the tournaments scheduled by going to the Events Live tab on the PokerStars client and searching for your chosen event Buyin using your Stars Account funds as you would do with any other tournament
A: PokerStars.COM/EU players can buy-in to any of the tournaments scheduled by going to the 'Events' > 'Live' tab on the PokerStars client and searching for your chosen event. Buy-in using your Stars Account funds as you would do with any other tournament.
Question: depth 612m no exams Basic theory min 10 yr
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Answer:
depth 6-12m, no exams, Basic theory, min. 10 yr.