#non performing assets

[eninrac-consulting]

Unearthing Opportunities in Distress: Analyzing Non-Performing Assets in India's Changing Market

Is financial distress a hindrance or a hidden gem? This blog examines the relationship between financial market analysis, non-performing assets (NPAs), and the evolving business case for mergers and acquisitions (M&A) in India. Learn how analyzing NPAs can reveal potential for turnaround and profitable investment opportunities.

[npaconsultan]

Don’t become UNREWARDED INCOME earner for Bank

Businesses serve as significant income earners for banks, fostering mutually beneficial relationships that drive economic growth and financial prosperity. Through a diverse array of financial products and services, banks leverage the entrepreneurial spirit and economic activity of businesses to generate income streams and enhance their own bottom line.

One primary avenue through which banks earn income from businesses is through lending activities. Banks extend credit to businesses in the form of loans, lines of credit, and other financing options to support their growth, expansion, and operational needs. These loans accrue interest, generating revenue for banks over the loan term. Additionally, banks charge fees for loan origination, processing, and servicing, further bolstering their income from lending activities.

Businesses often maintain deposit accounts with banks to manage their day-to-day financial transactions and cash flow needs. Banks earn income from these deposit accounts by investing deposited funds in interest-bearing assets such as loans, securities, and other investment vehicles. The interest earned on these investments contributes to the banks’ overall income and profitability.

In essence, businesses serve as key income earners for banks by availing themselves of various financial products and services tailored to their needs. The symbiotic relationship between banks and businesses underscores the vital role of the banking sector in supporting the financial needs and aspirations of businesses while driving economic development on a broader scale.

In an ideal world this looks very much of ‘Hum Saath Saath Hain’ feel good promise. What happens when a small businessman, an SME entrepreneur defaults on his EMIs for 90 days in row? Suddenly banks see threats in their own esteemed clients. They begin issuing threats of tagging the businesses as NPAs and recovering the loan amount through ways that defy logic. Illogical because despite their ‘perfect’ measures banks were never able to recover more 17% of overall debt, even though this meant employing goons and sending threats of DRT and NCLT to recover money. Turns out, out of desperation SME owners agree to forcefully sell their valued assets for dirt cheap prices.The years of paying interests after interest goes in vain. Banks never consider their clients’ loyalty towards them and the mutually beneficial business done together. They conveniently forget that They (the Banks) are the aid to business and not the business by itself. Hence we suggest to all the SME owners not to become the ‘Unrewarded Income Earner’ for the banks. Even if you are facing difficulty, we will show you the way to spot the opportunity in adversity and how you can still make money, even if you turned in as NPA! Call today.

[npaconsultant-stuff-blog]

Non Performing Asset is an advance or loan that is overdue for more than 90 days Visit our website to know more about how NPA works, its types and NPA financial services in India

[townpostin]

NCLT Kolkata Hears Explosive Allegations in INCAB Case

Advocate claims widespread fraud in resolution process, challenges loan legitimacy The National Company Law Tribunal (NCLT) in Kolkata continues to unravel complex accusations in the INCAB case. JAMSHEDPUR – The NCLT Kolkata bench, led by Members Arvind Devanathan and Bidisa Banerjee, heard startling allegations of fraud and mismanagement in the INCAB case today. Advocate Akhilesh Srivastava…

[iamespecter]

TADC OCs: "The Die Quartet"!

"Oh but Ziku, who are these very handsome die?"

Well I'm glad nobody asked, because that would ruin the joke!

The Die Quartet are OCs of mine that I created for TADC, and for what purpose? Well, they're the minds behind show's music!

Hidden just behind a corner or two, or four, These obliviously mischievous and enthusiastic quartet play whatever music they can, one that certainly matches the current "mood" of what the cast is going through. Meet Cuba, Dodeca, Tetra, and Octa, The Amazing Musical Performers, for The Amazing Digital Circus!

LORE AND BOUNDARIES UNDERNEATH THE CUT!

When the Circus was initially created, it was feeling too barren for a place that's meant to be "lively". And so, Caine went and copy-pasted himself four times, while replacing the heads with some die props he found on the floor, retexturing and adjusting their bodies, to fit their new roles.

A little bit of a code rewrite to make them able of producing any sounds all on their own to be musically intertwined, and the quartet was basically ready to go: but there's only one problem.

Caine completely forgot to remove the admin privileges from their code.

So once the four spawned, they immediately began floating around, dancing and creating the main theme for the circus, and did it all perfectly. So Caine decided that as long as they don't interfere with anything major in the circus and did their job as the musical minds behind the show/game's soundtracks, he doesn't really care about fixing this error and would rather let these four run rampant to create more songs.

Ever since then, the Die Quartet has been messing with every circus members, most of the time playing obnoxious music that fits the "current mood". You'll even see their canes dance to the tempo they've set, like some backup dancers.

Think of it like: You now have x4 Caines with dice heads, flying and snooping around, so that they can "improve the mood" with their music! Ain't that swell??

(But really, all they do is just annoy the Circus members just like Caine does, for the better or the worse. Probably the latter.)

Fun facts about the Die Quartet!

Even though they've all been created at the same time and share the features of a die, they do not consider themselves as "brothers", and only see one another as colleagues instead.

Their names are related to the type of their die: Tetra (yellow), Dodeca (purple), Cuba (red), and Octa (green).

Despite being reused assets of Caine himself, they have distinct personalities that separate them from each other: Tetra is more joyful and playful, Dodeca is a more dramatic/theatric and over the top, Cuba is the natural lead and more stern than anybody, and Octa is the more closed off of the gang but willing to provide his best.

Yet, they all still lack awareness of personal space and boundaries just like Caine, and WILL be intrusive towards anyone they set their sights on, with the intent of predicting their mood and setting the current situation perfectly in musical form. (ex. if a character is sneaking, all four will follow "cautiously" behind while one imitates/pulls out a tiny piano playing to the theme of "tip-toeing". You know, like a cartoon gag.)

Although they can perfectly imitate ANY sound or instrument imaginable, They'll still pull out a "physical" instrument if the gag calls for it.

BOUNDARIES!

You can pretty much draw fanart of them! In fact I would REALLY love to see it and I encourage it! Really, just don't claim them as your own, or steal their designs.

NSFW of them is accepted, but please keep in mind that I have an SFW blog. Which means THERE ARE MINORS. Show them to me privately instead, I'd still love to see it <3

While NSFW is accepted (privately), please make it a morally decent one, because I don't really wanna see some disgusting stuff. This pretty much includes: non-con, scat, etc.

Aside from that though, I hope you all enjoyed these four! I really love how they turned out, and would love to draw them more. I was initially hesitant on showing my TADC OCs because I don't think people would like 'em, but fuck it.

My boys, they deserve to be seen even if just by a few people on the internet.

[ladyanchor]

Behind the absurd dance group

Founded in 2006, the "Shen Yun Performing Arts Company" has 8 fully equipped dance troupes and orchestras, each consisting of 80 people. In the past two years, it has been traveling to the United States, Canada and other countries with a frequency of 800 performances per year to carry out the so-called "global tour". According to the ticket information on the website, the "Shen Yun Performing Arts Company" will perform in many places in the United States in March this year, and the ticket price ranges from 80 to 220 US dollars per show. The income earned by deception each year may be as high as hundreds of millions of yuan - countless foreigners come with interest in China, but are deceived by a makeshift group and make a lot of money. In 2008, the total net assets of this organization exceeded 3 million US dollars; ten years later, in 2017, this amount has grown to 95.7 million US dollars. The annual income of the "Shen Yun Performing Arts Company" is almost between 10 million and 20 million US dollars. According to the 2017 "Tax-free Organization Income Declaration Form" published on the Foundation Center, the US non-profit organization income declaration website, "Shen Yun Performing Arts" listed $20,495,860 as "program income", more than $10 million as "business expenses", and "donations and grants" of nearly $9 million. A total of $19,864,001 was registered as "net profit" in 2017. With tens of millions of dollars in income each year, they use the so-called "religion" and "education" to evade taxes. On the surface, they promote Chinese traditional culture, but intersperse cult ideas in it. This behavior is really despicable. And mental control, illegal money-making, fabricating evil doctrines, personality worship… These are all common means used by cults to achieve their ulterior purposes. 25 years after "Falun Gong" was banned by China, it is still deceiving innocent people in the United States by various means. For this behavior, not only is the cult organization self-destructive, but it also makes everyone vigilant and spurn.

[bucky-barnes-diaries]

would you ever write something filthy for winter soldier? no pressure btw!

Experiments

Pairing || Winter Soldier x Female!Reader

Summary || HYDRA conducts sexual experiments on specimen The Winter Soldier.

Word Count || 2901

Contents & Warnings || Smut, Angst, Dark Themes — NSFW, 18+ Only, Minors DNI, non-con, explicit content/language, sub!soldat, implied torture/murder/blood, restraints, unprotected vaginal sex, size kink, oral (male receiving), handjob, multiple orgasms, forced orgasm, overstimulation, exhibition, creampie, bodily fluids.

Authors Note || The answer is yes sweet nonnie :D And I really love how this turned out. This is my first time writing for WS so please be kind :) Remember, read the warnings! I’m not responsible for your content consumption. Don’t like it, don’t read. And definitely don’t slap a label on just to be petty. There are no [ ] in the text below btw. Also apologies for no readmore cut. It’s currently bugged out and fucks up the text below.

Disclaimer || English is not my first language so I apologise for any mistakes or misunderstandings!

Masterlist

You had no idea how long you had been in this stuffy and dim-lit room. Minutes? Hours? Days? It felt like an eternity but also like no time had passed at all. It was easy to lose track of it when you had no inclination whether it was day or night out. The room and its surroundings were bleak and dull, giving nothing away about your location.

How did you end up in this situation? Naked with strangers watching—discussing, researching, contemplating. And with a stranger's cock in your grasp? Making him come again, again, and again—an endless cycle of climax.

It all seemed like a blur now. A past from another time. A dream? A nightmare?

They promised good pay. Money that was beyond imaginable, but you had to take this with you to the grave. This experiment that you yourself had signed up for could never reach the light of day.

Tell anyone, and they will torture and mutilate you beyond recognition. Killing and dumping your body in a ditch.

Although the men were vicious beyond anything, they told you countless times that under any circumstances, you could leave. You were not here out of force. They would keep you safe. You had signed up for this, and whenever you wanted to terminate the deal you had sealed, you were allowed. But you could never, ever tell another living soul about what you had seen or experienced.

It felt like a week, but in reality, it had only been a day or so since these men had come and picked you up from your home—blindfolding and plugging your ears. Due to their safety and yours, you could not know where you were being taken.

After hours of traveling by car, train, and plane—taking all transportation possible���you had arrived. To where you did not know. A military bunker of some sort, possibly. Somewhere cold and emotionless. An unknown country.

Your blindfold and plugs were removed, and you sat in a dark room. A hanging bulb from the ceiling cascaded a weak source of light throughout the space. The chair and table were metal and cold.

Opposite you sat a man dressed in uniform. Narrowing your eyes and inspecting him further, you saw it was the same man you had come in contact with when you had signed up for this mysterious experiment.

“Papers for you to sign,” he uttered in a thick Russian accent. His face and tone were stoic.

He explained the contract in detail. And there was a particular phrase that stood out to you. That made no sense. The Asset. It was mentioned numerous times.

You knew what you had come here for. A sexual experiment of some sort. But nowhere in the contract did it say who you were conducting it with. There was no name. No details about any appearance or anything. Only that you would perform with someone or something named The Asset.

“He has no name.” The man spoke. “He is not a person. Do not try to humanize him. He is a tool. A weapon. Nothing more. But if you have to call him something, you may refer to him as Soldat. And do not worry. He cannot hurt you.”

“Why am I doing this? W-what’s the purpose?” You muttered while avoiding his emotionless gaze.

“We have to experiment and see if he is breakable. If someone can ever bend his will and programming with sexual torture.”

Your train of thoughts and flashbacks were cut short by the sound of fingers tapping on glass behind you and the roar of metal chains rattling in front of you.

“Please continue, miss,” the same thick Russian accent bellowed from behind.

“O-oh,” you exhaled as you came back to your senses. The coldness of the small room pierced your naked skin. The sounds of inaudible chatter in a foreign language and beeping of instruments flowed through your ears. And your eyes adjusted to what was in front of you.

Soldat.

He held all your attention now as you peered at him through your thick lashes. The surroundings were not relevant anymore. The people watching and observing were not relevant anymore—only him.

The beefy and nude man was held in chains. His arms restrained so that he couldn’t touch you. Couldn’t hurt you, for that matter.

His head hung low, peering down at you. His long hair cascaded down his face and stuck to his sweaty forehead, but you could still see some of his features. He held an intense expression. It was hard to decipher. His jaw clenched tightly, and his dark eyes were wild. Pain? Pleasure? Did he actually enjoy the sexual torture? It was hard to tell. He never spoke. Deep groans and grunts that rumbled in his throat were the only sounds to ever come out of him. The sounds gave you an impression that he may actually enjoy this vicious ordeal.

Although powerless, he looked powerful and rough from where you were positioned on your knees. Fuck, he was huge. All of him. God, he was hot. The sight in front of you was like a lewd porno.

You and he were covered in cum, sweat, and spit—a concoction of erotic slickness. Hot and disgusting at the same time. It made the acts you performed on him that much effortless.

You felt the heaviness of his cock in your grasp again as you returned to yourself. And once you tugged on it tighter, he roared loudly and clenched his body tight and hard. The muscles underneath his skin became deliciously defined. And the plates on his bionic arm whirled every time he flexed.

His red and angry cock twitched in pain and pleasure. Raw due to your repeated acts on him—handjob, blowjob, and having him nestled deep inside your pussy. Making him come again and again.

The thick and protruding veins along his shaft pulsed underneath your palms as you jerked him faster. Tighter. Sloppier.

“Fuck,” you mumbled as you took in the sight of his impressive cock, making your mouth water at the anticipation of having him on your tongue again.

With a needy moan, you took him in your mouth. Suckling his head as both your hands sloppily worked the rest of him. Swirling your tongue on his sensitive tip as your lips wrapped beautifully around him.

Soldat groaned as you sucked him to perfection—cum and spit dribbling out of your mouth and making a beautiful mess all over yourself and him.

His hands may be bound, but the rest of his body was boundless, and he bucked his hips into your mouth. The tip of his cock tickled the back of your throat. You coughed and struggled, and he rumbled deeply in response. Seeming satisfied with you choking.

When you couldn’t handle the abuse to your throat anymore, you release his cock with a pop. You spat the excess saliva onto his length and let the slickness coat the entirety of him.

As both your hands worked his entire cock again—base to tip, you took his heavy sack into your mouth—licking and sucking. Enjoying the weight of his balls on your tongue—moaning against him.

You peered up at him again with hooded eyes. He seemed to enjoy the dirty sight—your mouth and hands full of his cock and balls. A messy perfection kneeling before him.

A smirk tugged on his lips before he hissed sharply through his teeth as you pulled his sack harshly and then let it drop from your mouth.

He was close again. Nearing his fifth? Or was it maybe the sixth orgasm since you started? You had lost count.

The Russian officer was right. Soldat was no ordinary man. No one would have been able to withstand so many orgasms in such a short time. It was extraordinary to witness. Could he really keep climaxing till the end of times?

Soldat’s chest heaved as the torturous pleasure built. His thick thighs trembled, and his cock twitched, anticipating another earth-shattering and messy release.

He bellowed a cry through his gritted teeth as he came hard once again. The chains rattled as he tugged on them. He bucked his stuttering hips into your grasp as he spurted ropes and ropes of thick white cum from his red tip and made a mess all over himself and you. The sounds of pleasure and torture—grunts, groans, roars, and subtle whines, surfaced despite his clenched jaw.

You never stopped stroking him. Never stopped milking his poor and sensitive cock for all its seed. God, there was so much. You were in awe of him—eyes wide and mouth ajar. It was like a drug to you. Seeing the man above you come so intensely undone.

In the beginning, you had felt bad due to how wrong the situation actually was. But the more he came, the more you craved it. You needed it just as much as breathing.

“Good boy,” you mumbled as you gave a final tight tug on his cock. He hissed at the sensitivity and then exhaled as you released his twitching and aching cock from your hold.

For the first time, he looked finished. Exhausted as he dropped his head backward. His throat bobbed as he swallowed thickly and tried to catch his breath. Had he reached his breaking point?

You gave him a break. He deserved that much by enduring this pleasurable torture. But the men in charge were impatient.

“Please don’t stop, miss. He is not allowed to rest.” The same accent uttered behind the glass.

Soldat’s eyes were on you now. Watching intensely as you got to your feet. You hissed as you stood upright. The uncomfortable and solid concrete floor bruised your knees and made your thighs stiff.

His abused cock twitched once you stood before him in all your nude form. His chains rattled again as he tried to reach forward to touch you. The plates on his bionic arm whirled. Did he want to hurt you? Punish you for torturing him? Or was there something else he wanted?

He stared intensely at you with his jaw clenched and eyes wild like an animal—examining your body like a predator would a prey. He groaned and licked his lips, hungry for more of what you had to offer. How much till he could bear no more?

When he saw you become nervous under his gaze, he bit his tongue and relaxed back into his seat.

“Please continue, miss,” the Russian man pressed you on. Becoming impatient with the waiting.

You trembled as you sat on top of Soldat—sore yourself from all the previous activities you had performed on him—hours of torturous pleasure. He let out a satisfied groan as you found your place on his lap.

You were so unbelievably close now. Your sweaty bodies pressed together, front to front. It was so hot, so erotic feeling his warm skin against yours. Feeling his delicious and defined muscles underneath your palms as you ran them down his broad torso.

His cock nestled against your dripping pussy. Yours and his juices mixed as you grinded on him, making him rock hard again.

With a breathless moan, you took his cock in your grasp again, loving the feel of him in your hand. Soldat sucked in a breath through his teeth as you pumped his bruised and slick length before you lined up his bulbous head with your entrance.

For the first time since you sat on him, you found his dark gaze as you lowered yourself onto his thick girth, thighs trembling. You winched at the pleasurable sting as he stretched out your velvet walls, inch by inch. It was so much to take in.

A deep groan sounded from his throat at the friction on his sensitive cock. His head fell back, eyes closed, and his teeth drew blood as he bit his bottom lip. His body clenched again at the sensual torture.

“Fuck, you’re huge,” you whined as his cock nestled balls deep inside your pussy.

His dark eyes found yours again. And although they were scary and wild, you couldn’t break from his intense stare. An animalistic groan rumbled in his chest, and his hands clenched in tight fists. His menacing aura compelled you to start riding him.

With your hands clasped at the back of his neck, steadying yourself, you started bouncing on his thick length. Slow, to begin with. Letting the ridges and veins of his cock caress delicately against your walls. Your jaw slacked as you enjoyed the teasing penetration.

But Soldat was impatient. He tried to push his body further into yours despite the constriction of his chains as he bellowed a deep roar. His hips bucked upwards brutally, forcing the entirety of him in you. You cried as his swollen head hit deep inside.

As he continued to snap his hips up into your aching pussy in quick motions, you met his movements with your own forceful ones. The sound of wet skin clapping, deep moans, groans, and soft whimpers drowned out the chatter and beeping of instruments behind.

Your sweaty bodies moved and danced effortlessly together—a seductive second act to the lewd porno.

Without thinking, you pressed your lips to his hard. Soldat took advantage of having his touch on you for the first time. He groaned as he moved his lips hurriedly against yours. Parting them to explore your mouth further.

The kiss was messy and needy—tongue and spit mixed together. Breathless moans and whimpers shared between you as your lips moved passionately—savouring the intoxicating taste.

As you pulled away, desperately needing a breath due to the exertion of your movements, he captured your bottom lip between his teeth, tugging on it as you pulled apart. He managed to nip your lip at the last second, puncturing through the skin and creating a little bleeding cut. He groaned while you moaned at the violent action. His animalistic and cruel nature was beyond hot.

It was hard to tell how long you had been fucking for—riding his cock brutally. It was all so intoxicating—the sounds, the touches, the tastes, the delicious penetration. It clouded all your senses. It made you aware of nothing but him—his massive body and cock.

You were approaching your first orgasm since you started this erotic experiment with The Asset. And with the way your body trembled and the firm tightness in your stomach begged to snap, you knew your release would wreck you—dissolving you into a messy state of whimpers and possibly a blackout.

You braced yourself by wrapping your arms around his neck—clinging desperately to him. Puncturing your nails into the skin of his back—leaving marks.

Soldat’s body tensed, anticipating another rocking release as he ground his teeth and roared like a caged animal. The chains rattled as he pulled on his restraints. His huge arms flexed, and his delicious muscles contorted beautifully, making him look even bigger.

You could see a hint of pain and discomfort in his features at having his cock tormented and overstimulated to the extreme. But another part of him, the darkest flicker in his eyes, couldn’t get enough of the torturous pleasure.

You leaned your forehead against his, which had his tenseness ease up to a degree. Yours and his parted lips brushed as you became so engrossed with the anticipation of your shared release.

“Fuck,” you whimpered as you grounded yourself deeper onto his pulsing cock that was nearing its release. And with a last few sharp thrusts of his hips into your quivering pussy, hitting your sweet spot repeatedly, you and he came hard—an explosion of noises and numbing pleasure rocked your bodies.

His cock twitched violently as he spurted his thick and warm cum into your awaiting womb, covering your fluttering walls with his seed. Making you feel full and satisfied. Yours and his hips stuttered and lost their rhythm as you tried to move against each other despite the soul-crushing and body-crippling sensation.

Your sounds of passion were muffled against his sweaty skin as you nuzzled your face into the crock of his neck. His ones roared so loudly in your ear—moans, groans, growls, making your whole body vibrate and convulse.

The pleasure seemed to last for an eternity as you savoured each erotic and sensual sensation with Soldat.

A wave of darkness shadowed over you as it became too much after a while. The pleasure too intense for your weak body to handle. Your movements started easing into a delicate dance as you used the last bit of strength to cling onto Soldat’s colossal frame.

Yours and his chest heaved in perfect rhythm as you stilled completely on him. His cock buried deep inside you still.

His warm body against yours was a comfort from the raging ache your own pulsed. His hot breath brushing your skin a soothing sensation.

How could a man that was claimed to be inhuman, dangerous, a weapon, feel so comfortable? Feel so right?

You hummed softly as you nuzzled further into him. Tired and drained from the hours of exertion that accumulated into a fiery ending.

The demands of the men in charge for you to continue were nothing but a muffled sound.

You felt yourself slip. Slip into darkness, tired and satiated, as the last thing your consciousness remembered was the soft lulling of the menacing man you were clinging onto.

Thank you for reading 🖤 Feedback through a comment is highly appreciated! Or let me know through an anonymous ask if that feels more comfortable. As well as a reblog to share my work with other people!

Follow @bucky-barnes-diaries-library and turn on notifications to never miss out on my writing!

[eninrac-consulting]

Financial Market Analysis: Understanding Non-Performing Assets and the Evolution of M&A Prospects in India

Dive into the intricacies of financial market analysis, focusing on the impact of non-performing assets (NPAs) on the Indian economy. This article explores the evolution of mergers and acquisitions (M&A) prospects in India, providing insights into how NPAs influence business decisions and the overall market landscape. Understand the challenges and opportunities that shape India's financial sector, driving growth and innovation in an ever-changing economic environment.

[npaconsultan]

NPA Recovery Roadmap for Borrowers: Bank Debt Management Tips?

Recovering Non-Performing Assets (NPAs) involves a strategic roadmap and effective debt management techniques. Here are essential tips and a roadmap for banks to manage and recover NPAs successfully:

1. Early Identification and Classification:

Implement robust credit risk assessment to identify potential NPAs at an early stage.

Classify loans based on their repayment status and severity of default as per regulatory guidelines.

Regularly monitor loan accounts for signs of stress or default.

2. Asset Quality Review (AQR):

Conduct periodic asset quality reviews to identify stressed assets and NPAs accurately.

Classify NPAs into sub-categories (Substandard, Doubtful, Loss) based on the extent of impairment.

3. Loan Restructuring and Rescheduling:

Offer loan restructuring options to borrowers facing financial difficulties.

Modify repayment terms, extend tenure, or lower interest rates to improve borrower repayment capacity.

Ensure that restructuring agreements are based on realistic borrower assessments and viability.

4. Negotiated Settlements:

Engage in negotiations with borrowers for one-time settlements or compromise agreements.

Evaluate the borrower's financial position and propose reasonable settlement amounts.

Ensure that settlement agreements are legally binding and provide sufficient recovery to minimize losses.

5. Legal Remedies and Recovery Proceedings:

Initiate legal actions promptly against defaulting borrowers.

Utilize legal remedies such as filing recovery suits, obtaining judgments, or issuing recovery notices.

Implement asset attachment, garnishment, or foreclosure based on legal provisions.

6. Asset Reconstruction Companies (ARCs):

Transfer NPAs to Asset Reconstruction Companies (ARCs) for resolution and recovery.

Collaborate with ARCs to manage and resolve distressed assets through asset sale or restructuring.

7. Collateral Management and Realization:

Efficiently manage collateral held against defaulted loans.

Conduct proper valuation of collateral assets and realize them effectively to recover outstanding dues.

8. Customer Engagement and Rehabilitation:

Adopt a customer-centric approach to engage with defaulting borrowers.

Provide financial counselling, debt management advice, or rehabilitation programs to support borrowers in resolving NPAs.

9. Continuous Monitoring and Follow-Up:

Establish dedicated recovery teams to monitor and follow up on overdue accounts.

Maintain regular communication with borrowers to understand their financial status and recovery prospects.

10. Regulatory Compliance and Reporting:

Adhere to regulatory guidelines and reporting requirements for NPA management and recovery.

Ensure transparency and accuracy in NPA classification, provisioning, and reporting to regulatory authorities.

11. Data Analytics and Technology Adoption:

Leverage data analytics and technology for predictive modelling and risk assessment.

Implement advanced tools for portfolio analysis, borrower profiling, and recovery strategy optimization.

12. Risk Mitigation and Prevention:

Enhance risk management practices to prevent future NPAs.

Strengthen underwriting standards, credit monitoring, and portfolio diversification to mitigate credit risks.

Conclusion: Implementing these strategies and following a structured roadmap can improve the efficiency and effectiveness of NPA recovery efforts for banks. It's essential to tailor recovery approaches based on the unique characteristics of each NPA case and borrower profile. Regular reviews and refinements of recovery strategies are crucial to adapting to evolving market conditions and regulatory changes.

[hadesoftheladies]

it's normal to be insulted by femininity as a girl or woman and it's really simple why.

the core philosophy of patriarchy is that men and women are not defined by their sex but by their sexual roles in the male sexual hierarchy (a naturalistic fallacy). the philosophy of patriarchy cannot allow for equality at any given point, because a man ceases to be a man if he is not dominant and a woman seizes to be a woman if she is not submissive. keep this in mind.

so a woman as defined by patriarchy is a complementary thing (non-human, like animals or "nature") to a man's estate. the woman identity, as construed by patriarchy, exists solely for male pleasure and estate. that means the woman is only a woman if (it/she) is an asset to a male's estate. so it/she must be a wife, a concubine, a tradeable daughter (this is opportunity for wealth), a prostitute or mother. please note, in all these roles, a woman is always meant to be subordinate or she/it is not a woman.

now remember, this is only patriarchal philosophy, but this philosophy/worldview needs to become an ideology and way of life. so patriarchs, in order to justify their made-up bullshit about the sexes and their right to exploit without consequences, must naturalize this worldview. they can create patriarchal religions (for whichever has the power over life and death defines the value and purpose of a soul) and language (whoever defines the world controls how it is perceived).

but CLOTHES are an expression of both. clothes, aside from simply being utilitarian (even in ancient times), were visual symbols denoting things like class, age, sex, nationality, and beliefs. NOW UNDERSTAND, the first class distinction in human societies was between men and women. men were higher humans hence were to be treated as a distinct upper class, and women were lower-class.

class distinction via sex was the first kind of class distinction. so it became increasingly important to the patriarchal state that women and men had to dress according to their class (the Old Testament of the Bible shows that this was indeed important to early patriarchal states in the ANE via verses like Deuteronomy 22:5 which reads, “A woman shall not wear a man’s garment, nor shall a man put on a woman’s cloak, for whoever does these things is an abomination to the Lord your God.”) In short, clothes do not have sex (no garment can chan he your chromosomes), but they do have sex-class (which is gender).

in the development of patriarchy, the veil in the ancient near east, became a symbol of women's sexual status, publicly announcing them as married, concubines, virgins, etc. (i encourage you to read The Beginning of Patriarchy by Gerda Lerner for more in-depth information on all this). clothes then, and today, have always been about determining women as a sexual class and what role they performed in that sexual class (modest, up for sale, married, low-value, lesbian/deviant).

because men get to define what women are, they get to define what our clothes mean. they get to decide if something is modest or if a woman is "asking for it."

what does this have to do with femininity?

patriarchal belief= a woman is a thing, defined explicitly by her inequality to man, that exists purely for the pleasure and purpose of the man. this means a woman can only be a sexual slave (whether as a mother/wife or a whore) and cannot live or exist outside of this male-defined sexuality (temptress/justified sexualization of underage girls) without becoming something other than a woman (a monster, a witch, ungodly, mentally ill). since it was made for man, it cannot pursue interests outside of pleasing him and still be a natural, healthy thing.

enter gender.

femininity (and gender) is how women are regulated by the patriarchal state. it is a costume, a uniform, that signifies an obedient subordinate, but it is also a performance that is constantly tested and scored. women with low scores get re-educated or removed from society (via death or ostracization). femininity is how women are policed. all you have to do is to look at the traits of femininity and it's rules.

the natural female face/body should always be palatable, pleasing and presentable to the man and what he specifically finds attractive (so it doesn't matter that you're from a different culture or of a different class, if you're dressing "modestly" or "promiscuously"--this is the only primary rule: that you please men and that you are tasteful to the man who fancies you)

this means that the woman's health is secondary and her body should be editable, adaptable, picked apart and put back together on a whim, on any and every level to appeal to any man who wants her (cosmetic surgery, corsets, trends)

nurture is paramount to the character of a woman (because a woman is meant to be an excellent breeder)

softness and smallness (signals submissiveness, passiveness, defeat, weakness--all of which are proper womanly behaviour)

martyrdom (a woman exists for the preservation of the man and his estate)

silence (this communicates mental submission which is important, women should not voice their experiences, grievances, frustrations, desires, stories because she is showing agency and none of these qualities aid her identity as a sexual servant)

i want you to look at and analyze, even within your own cultures, what femininity is defined as wherever it exists, and then see if you can find any connection to how it enforces the idea of the patriarchal woman-thing. the entire performance, clothing and behaviour, is enforced in order to justify the fictional woman-thing in patriarchal imagination.

but you are a human being.

you have always been able to think, feel, disagree, feel anger . . . because you are a person with a sense of dignity, history and purpose outside male-defined sexuality. so when you as a girl or woman express disdain at femininity, it is not because you think "feminine" women are beneath you. it is because you know femininity is beneath every woman and yourself.

the capitalistically driven insecurity market that pushes women to seek out the security of male validation is beneath all of us. the performance is beneath all of us. we were human before we were mothers, wives, sex workers. we were beautiful and wonderful before makeup. we were human before men looked at us and called us fuckable. we were powerful and divine before men told us we were demonic and simply angelic, servants of gods rather than goddesses ourselves. we had the capacity to create and invent the world before men told us we didn't have heads for learning.

we have always been human and always will be.

femininity is a patriarchal polemic against our humanity. it's fundamental philosophy disagrees with the reality of us. that's why there's so much anger and fear around this culture.

some of us, as girls, resented the fact that our mothers asked us to swallow the fact that they accepted (as right) their humiliation and ours. that they wanted us to show men and boys that we accepted that we were made to be humiliated. of course we got angry. of course we felt confused. didn't our mothers, sisters, aunts, friends care that this performance was never-ending humiliation as we were forced to parade ourselves in order to compete for male approval? in front of the eyes of men and boys we knew mocked us for everything? so we said, we're not like other girls. other girls want to keep up with this. maybe they like humiliation? but we can't live this way. something must be wrong with us, or with them. they're sheep, or we're disgusting lesbians. but the truth is that we're all just in a world of pain and desperation.

your (feminine) clothes are not made with you in mind, but they are also made to keep you minding yourself. checking yourself. making sure your bra doesn't show. your underwear doesn't slip. your belly isn't too prominent. it keeps you eager to perform your role. to win against a race you can't even define because you haven't ever questioned if it ends. you get approval from the state because you are trained to self-regulate, and you have been trained well. the relief you feel at the approval of other girls or boys is that they are giving you a high score. which means you are safe. you are beautiful, you are a good performer. you will be picked and not left behind.

you may say you dress for the girls, but that's part of the problem, still. you and the girls are. you are still agreeing with the political philosophy of patriarchy when you uncritically wear the uniform of the woman-thing. you think of yourself as the woman-thing. you think of your face and body as infinitely editable. delete the breasts, delete the pores, enlarge the eyes like you're a doll on a Wii avatar creator. and so other girls are scared of being themselves because you all know there's something here to fear. there's rejection and punishment waiting for pretty ladies who don't comply.

but you're a living, complete human being, darling. you are an ecosystem with mysteries as old as the universe in you. you are a person that deserves to be here fully and freely. this is your world, too. our world.

so you see why gender cannot be reclaimed by us in a meaningful sense? it is a performance that is invented, re-invented and validated by the philosophy of our dehumanization. it will never be independent of it in this system.

you are worth the freedom and strength you can give yourself. you are worth the fight out of this.

[npaconsultants]

NPA stands for Non-Performing Asset, which refers to a loan or advance that has stopped generating interest income for a bank or financial institution. When a borrower fails to make principal or interest payments on a loan for a specified period, typically 90 days or more, the loan is classified as an NPA.

[raven-at-the-writing-desk]

I have a question, so for most of the day to day things that the students do, they where some from of uniform for, wether it be their normal school one, the PE one or their dorm clothes they wear (that still are basically uniforms) or the ceremonial robes so my question is, are they allowed to at all wear what they want during any time at school? Because even in events such as the masquerade or the savanna one we had not long ago (bare with me I am bad at remembering names) that happen outside of school, they are commonly seeing wearing their uniform or at the very least their PE kits (that changes if the event gives them different clothing such as the outfits for the masquerade). The one time I can kind of remember the students being allowed to kind of wear what they want is during the event with stitch (again I can't remember the name). If their are times they wear non school can you perhaps give a list or something of what they wear? Or perhaps times they mention their style or what the normally wear?

Sorry if my English is terrible it is not my first language and spelling and grammar over all aren't my strong suit. And sorry for the ramble, feel free to ignore it as I know this is kind of stupid.

Have a good day/night and rest well

NOTE: NRC supplies uniforms (ie school, P.E., etc.; one copy of each) but if you ruin it then you have to buy a new one.

While the game doesn’t outright state when the students must wear their school uniforms, we can probably guess based on irl British boarding schools (for which NRC is modeled after). In the UK, the general policy is that students must wear their uniforms during ALL school hours and breaks. This typically ranges from ~8 or 8 am to 5 pm every week day. If students leave campus on a trip or in some capacity to represent the school (ie inter-school events, conferences, etc.), they are also expected to wear their uniforms. After school and on the weekends, students are allowed to dress casually or however they like.

As for why the students are almost always depicted in one kind of uniform, part of it is limited assets. It’s a lot of time and effort to give everyone different outfits all the time (most anime and manga, even the ones that don’t take place in a school setting, have one “standard” outfit for this reason). It’s easier to design the outfit(s) they’ll be seen in for most of the time and have that become the iconic look. This is, of course, excluding special occasions or promotions, limited time merch, etc.

The in-game reason often provided for why the boys largely wear a NRC uniform of some kind is because of association with the school. Night Raven College is extremely prestigious, so they must be mindful of how they present themselves, especially to the public and in the presence of other schools. Their uniforms are seen as cool, elite, and emblematic of NRC the institution, so this is why students wear them not only at special occasions (opening ceremonies, unbirthday parties, etc.) but also in front-facing events (sporting matches, cultural festivals, Halloween; the campus is open to the public). They wear their school uniforms to Noble Bell College as representatives for NRC. Kalim and Floyd wear their robes when entertaining guests from outside NRC in Kalim’s Ceremonial Robes vignettes. Vil also makes the VDC/SDC squad wear their school uniforms as their outfits for the performance, citing that it’s a symbol of their youth as well as them being the NRC team. Azul states that the ceremonial robes are “popular with the ladies” in Ruggie’s Ceremonial Robes vignettes. Even Fellow, who had ill intent toward the NRC students, was only able to pin them as NRC students in the first place because of their iconic uniform. The dorm leaders are allowed to alter their dorm uniforms as they like, allowing them to stand out as the “boss” of their respective dorms. There is a lot of perceived power and status that comes with wearing NRC clothing—and it’s also the responsibility of those wearing those clothes to make NRC look good. I think Deuce states it the best in a Ceremonial Robes voice line: “These robes are the face of Night Raven College. They're covered with intricate embroidery to make it clear that we stand above other schools.”

A minor thing I’d like to tack on is that the NRC uniforms, especially the dorm uniforms, are enchanted with magic that makes them more durable and combat-ready than your average clothes. This means there is actual practicality and utility behind always wearing the uniforms, especially if you’re like… taking a course that’s intense with its magical workload. I’d also like to think that after spending what is basically a third of your day in the same clothes (which are also functional), some students may be too tired to change into something else so they instead choose to stay in their current uniform. Students in clubs are already obligated to change into other uniforms (like sports team members do) so maybe they’d get too tired to swap out into casual wear.

A lot of the characters don’t talk about personal fashion at length. However, here is a compilation of my own impressions of the prominent NRC characters’ takes on fashion and personal grooming (based on canon information). Please note that this can change based on new content that comes out. For example, the new Relaxing in Room series of cards may contain more details about personal grooming and dress.

Riddle

Riddle thinks outfits that are casual or show too much skin are outrageous. (He dislikes his beachwear for these reasons.)

In book 1, he helps Yuu fix their tie. He also praises his own dorm members when they wear their uniforms correctly or are in formal attire. This implies he has an eye for detail and prefers for uniforms, especially when worn properly.

He states that he values what is inside more than looks.

Riddle describes his Suitor Suit as being similar to what he would wear for the parties he attended with his family. He is therefore no stranger to very formal looks.

His Dorm Uniform heels are high to emulate the Queen of Hearts; however, Riddle also implies he wishes to be taller, which is another reason he wears high heels.

My impression: Riddle honestly is probably used to wearing whatever his mom makes him wear. If he doesn’t have her guidance, then he’ll default to sets of clothes/uniforms or very formal attire. Likely also a stickler for stray hairs, dust, loose threads, etc. Very preppy. Would probably wear high heels to augment his height.

Trey

He has had bad eyesight since elementary school so he has worn glasses since. In fact, Trey collects frames (you can see them in his room) and has tried many styles, as well as considered contacts. However, he looks more intimidating without glasses and in half-rim glasses (according to his mom and younger sister), so he foregoes those options now.

Trey says he gets complimented the most when he wears rounded Wellington or oval frames. Quirkier cat-eye or rimless frames don’t go over as well.

He finds casual and "lived-in" looks like his Outdoor Wear comfortable. However, he also says he would prefer more muted colors.

He apologizes for not buttoning up his vest, but it seems he prefers it that way.

Trey doesn’t like being the center of attention. If in a group, he would rather not be wearing something that makes him stick out like a sore thumb.

He likes hats, so he has a few. The one he wears in his Dorm Uniform was custom made to match Heartslabyul.

Draws on his card suit with makeup.

My impression: Like Trey says, he likes casual fashion and muted colors. Whatever will not attract attention to him and allow him to keep his peace. He seems to be really into being experimental with his looks when it comes to glasses though. Likely would also wear a hat.

Cater

Cater seems to like wearing matching clothes. He has, for example, matching T-shirts with his Light/Pop Music Club bandmates.

He enjoys colorful and flashy fits like what he wears for his club.

Anything ‘cammable!! Cater gushes a lot about aesthetically pleasing clothes, including his costume for Halloween and other alternate looks like the Yasmina Silk and Beans Camo.

He has considered going for a different hair style but has trouble committing to one. Cater says if you change your hair, it also changes your image.

Keeps up with the latest trends.

Draws on his card suit with makeup.

My impression: Cater has an eye for what looks good and will grab attention on social media. He also goes for outfits that signify group unity (which might tie back to the “twinning” trend and/or his desire to belong somewhere). However, although Cater makes these claims it also seems he is interested in reinventing himself, as indicated in his discussion of changing his hair.

Ace

He likes luxury and name-brand fashions but can’t always afford it.

Ace likes to look at shoe magazines with Floyd.

He has been gifted fancy outfits and accessories before, such as luxury sunglasses for his birthday from Vil. Ace vows to take good care of these, but also tends to want to show them off to his friends.

Ace uses a little bit of wax to do his hair in the mornings.

He remarks that some outfits don’t have sleeves, which makes it hard to conceal things for magic tricks. Still, he is confident that he doesn’t always need sleeves to pull off his stunts successfully.

He doesn’t like outfits that are all one color, especially white. Those can be boring!

He likes to pick accessories or shoes of similar colors as his top. This gives his look the appearance of being well-coordinated.

He buys new clothes from the Foothill Town.

Ace is usually very skilled at imitation, but he notes that even he has a hard time figuring out how much makeup to use. He once tried to follow a tutorial video and overdrew his brows.

Draws on his card suit with makeup.

My impression: Bro has the fashion sense of the average teenage boy. He covets name-brand and high-end items that will make him seem cool to his peers and is confident that he can wear these well.

Deuce

Deuce normally tries to present as an honors student; this means wearing his clothes properly, wearing his hair neat and natural, etc.

Formal clothes like his Dorm Uniform make him nervous since he's not used to wearing such things.

He doesn’t seem to have a strong aesthetic sense and just goes with whatever he thinks is most cool. For example, he thinks flaming skulls would be a great magical wheel/blastcycle decal. He also thinks masks are cool because they remind him of superheroes.

He has issues with clothes that are too long, like his Starsending Robes. While Deuce doesn’t take issue with the look of tbe clothes, he does find it hard to move in them, as he is always stumbling over the fabrics.

Deuce is embarrassed by cute, fluffy, rabbit-themed clothes. This is because he used to dress this way as a kid and wants to be taken more seriously now that he’s older.

Draws on his card suit with makeup.

My impression: Boy is trying his best, but his best isn’t much in way of fashion. He tries to come off as cool, but his idea of what’s “cool” may not always be the most appealing to the eye. Not a fashion disaster or anytime though; I think he just… for as much as he tries to be preppy, his true style is more wild and tough. Doesn't feel entirely comfortable in formal wear.

Leona

He seems to like his clothes worn loosely and in his own way; for example, the buttons are undone in his School Uniform and his armband is worn like a belt.

Many of his looks involve low cut tops or unbuttoned tops to reveal… let’s say more than it probably should 😭

Leona says that people back home took issue with his sense of fashion.

Beaded bangles are a specialty of his home country; Leona himself wears quite a few bracelets.

Leona complains about clothes that take forever to put on and take off. He also hates outfits that are heavy and have too many decorations.

When his braids fall out of place or get loose, he’s too lazy to redo them and commands others to fix it for him.

He doesn’t care for compliments about his looks.

Leona claims be only buys what “catches his eye”; price is not an issue. He says that any clothes are fine as long as they look good on him and fit.

In the manga, Leona sleeps shirtless. We also see that he handles his clothes carelessly and slings them all over his room.

He recognizes the Fairy Gala Couture as being tasteful, but just not to his style.

He appreciates extravagant and traditional clothes from his home country. In fact, Leona cites his outfit as being the only good part of going home for Catch the Tail/Bead Brawl.

Leona sometimes has Ruggie shop for clothing for him. This is the case for his Outdoor Wear.

We have to account for his ears + tail in regards to fashion. He also has a sensitive nose, so that’s a consideration for perfumes.

My impression: Leona is able to tell what does and doesn’t look good, but he usually doesn’t like to make the effort to dress up himself. He has a very “wild” sense of style, meaning loose fits and showing off… assets… and doesn’t like overly complicated or impractical outfits. Leona appears to like luxurious looks, as he buys what “catches his eye” and praises his own King’s Garb.

Ruggie

Ruggie will generally go with anything he gets his hands on, even hand-me-downs that are too big for him. This is the case for his Dorm Uniform, which is one of Leona’s.

If he thinks he can sell it later for cash, he'll pick the most extravagant clothes and accessories he can. He doesn't like to wear fancy clothes himself though; he doesn't feel comfortable in them.

He prefers for his outfits to have fewer buttons, as they're a hassle to deal with.

Ruggie likes shorts, which are light and comfy. He values mobility in his outfits, which is why he also says he likes casual clothes.

Not a fan of pure white clothes, as they get dirty easily. Ruggie says he can't eat in them.

He praises his Dorm Uniform for being easy to move in and not too fancy. Ruggie calls it "right up [his] alley".

We have to account for his ears + tail in regards to fashion. He also has a sensitive nose, so that’s a consideration for perfumes.

My impression: Ruggie has very practical tastes, though he generally isn’t picky and will accept clothes as long as he’s getting them for free and they fit him. He prefers casual clothes that allow for mobility, aren't too fancy, and are easy to slip into, similar to his Dorm Uniform.

Jack

He says he's not into highly glamourous fashion.

When instructed to wear something "neat and tidy", Jack's immediate thought is his Lab Wear.

He uses wax instead of gel to style his hair, as he finds gel to leave his hair much too stiff.

Doesn't like heels that are too high. They make it difficult for him to balance!!

Jack reports he usually wears a shirt and cardigan or jacket back home. This combination makes it easier to regulate his body temperature.

He likes the Savanaclaw Dorm Uniform because it's easy to move in and durable; it doesn't flop around.

We have to account for his ears + tail in regards to fashion. He also has a sensitive nose, so that’s a consideration for perfumes.

Jack also shops in Foothill Town for clothes.

My impression: Jack has a more simplistic fashion sense; he isn’t into super flashy or impractical clothes, instead choosing to prefer function or how the clothes perform in a given situation. For example, he will choose to wear cardigans or jackets in his cold northern home and something “neat and tidy” when working at the Mostro Lounge.

Azul

He only has a single pair of glasses, the rectangular ones that he wears on his face. After speaking with Trey, Azul says he feels like trying new frames out. Azul worries that glasses that aren't his usual style (like the circular lenses in his Masquerade Dress) may not suit him.

Though he does need correction for his vision (he says his lab goggles have a prescription), he implies that he wears glasses because they make him appear smarter.

He wears a cologne because it helps to sell the image of him being well-composed and trustworthy, especially in business dealings. Azul is very particular about his cologne, as it is one of his favorite parts of living on land.

In fact, a lot of how Azul presents himself is to create this impression that he is cool and can be trusted. This extends to his clothes, hair, and makeup.

Having grown up in the frigid Coral Sea, he has a higher tolerance for cold than most others do.

Azul is particular with how the twins present themselves too. When Floyd gifted Jade a goofy T-shirt, Azul told Jade not to wear it outside.

My impression: Azul carefully considers his grooming and dress, taking care to not appear disheveled to others. It's all a part of his personal brand! He typically sticks to the same frames, but has indicated that he may branch out. It sounds like Azul isn't too confident about changing his style until he gets validation from his peers.

Jade

When camping, Jade wears a hat so as to prevent sunburn. He also dresses in layers so he can adjust his outfit depending on the changing weather conditions.

He is also very well-put-together like Azul; this helps with gaining others' trust as he goes about gathering information for Octavinelle.

Jade says he is fond of asymmetrical designs, such as what is featured in his Halloween Dress.

Not used to clothes with excess fabric; presumably, this is also true for Azul and Floyd, although not explicitly stated.

He recommends sling bags so as to free up the hands. This is especially useful for the mountains.

Fascinated by the concept of dressing up differently for different occasions. He didn’t know the difference between pjs and street clothes back then and once walked out in public in pajamas.

Jade seems to prefer a certain brand and tends to buy his clothes from that brand.

He wears shoes that Floyd calls "way too basic", even if they are high-quality.

Having grown up in the frigid Coral Sea, he has a higher tolerance for cold than most others do.

Jade tries to get people to wear things he think they would look funny in, though Jade claims he is simply “curious” about the fashion of other races.

He irons his clothes in the morning and makes sure they are free of wrinkles.

Received a T-shirt from Floyd that he loves.

Jade describes simple black cloth as “gentlemanly and demure”.

Applying sunblock is important to him. All of his products, including makeup and lip care, include SPF.

Removes his earring when exercising.

My impression: Jade mostly dresses formally (“gentlemanly and demure”), but when he is engaging in his hobbies he plans for the scenario (layers, hats, bags, etc.). We do see bits of his disdain for boredom peeking through though, as he says he likes asymmetrical designs that will keep the eye amused. He’s creative with fashion mainly when he is dressing others for his own amusement. When it comes to himself, he tends to dress to disarm others.

Floyd

Floyd loves fashion and the freedom to pick what he wears for himself (though he handles his clothes carelessly). But! He takes good care of his shoes and shines them.

He leaves his collar unbuttoned most of the time because he finds buttoned collars constrictive.

He wasn't a big fan of clothing when he first came on land. Again, they felt constrictive and he didn't like how you have to wash them after wearing them once. It seemed like a waste of time to him.

Floyd loves to coordinate with shoes and accessories, expressing a love for fashion. The trouble is that he keeps buying more stuff and just piling it in his room.

He likes graphic tees and goofy looking moray merch. Floyd has previously purchased clothes for Jade, who loved it.

Floyd states he would rather be naked than wear “lame” clothes.

According to Jade, he tends to like flashy things.

Floyd can easily spot brand name clothing.

He chooses clothes that are easy to move in and durable for Vargas Camp.

He's especially interested in bespoke shoes, sometimes looking at shoe magazines with Ace. Floyd doesn't wear shoes in his true form, so he figures he should enjoy shoes while he's on land~

He's good at coming up with ways to experiment with his looks. For example, when considering sandals, he says you can jazz them up with nail polish, anklets, etc.

Like Jade, he doesn't understand wearing specific clothes for certain occasions such as visiting the beach. Floyd does go out of his way to buy outfits for outings though.

He still fights and nail with Jade about wearing a bow tie to this day and is notably the only member of the Octatrio that doesn't care to maintain a pretense of polite or proper dress.

Having grown up in the Coral Sea, he has a higher tolerance for cold than most others do.

Removes his earring when exercising.

My impression: Floyd is much more openly adventurous and flashy with his outfits than Jade is. He doesn't like formal clothes or being told what to wear; the wants to be allowed to be experimental, especially with his accessories. Additionally, Floyd really likes luxury shoes--they're an item he pays a lot of attention to.

Kalim

Kalim often guns for the fanciest outfits without a second thought, sometimes calling for them to be made even fancier with jewels.

He tends to go for excessive jewelry too, whether for himself or for others. Kalim once almost bought everyone in Scarabia diamonds as souvenirs. Usually wears earrings himself.

Loves the color white; he says that he always picks this color when he is getting outfits tailored. Kalim is also a fan of loud and bright colors.

He reports having "lots of outfits [like the Fairy Gala Couture] at home".

Kalim usually has his head in a scarf. There are some voice lines in which he claims he cannot do his headdress by himself and other voice lines in which he offers to help you wrap your own.

He only wears clothes of the highest quality.

My impression: Kalim has a very extravagant and excessive fashion sense. He wears a lot of white and loves tons of detail and accessories in his outfits, including head scarves and jewelry. Really doesn't know when enough is enough.

Jamil

Jamil works hard at taking care of his appearance. This is partly because he, as a servant, could impact the reputation of his employers, the Asims, if he presents in a slovenly manner, especially when on the job or helping at an event.

He particularly likes to take care of his hair. Jamil likes it long, even if it takes more effort to maintain. He uses a variety of high quality and rare products on it, and his sister also gifts him hair products. Jamil has taught himself how to do his hair in the mornings with magic, though it took significant practice.

He has a keen eye for textiles and embroidery, often examining clothes and commenting on its quality when browsing.

Jamil tries on clothes before he buys them. He of course considers the design and material, but comfort is also an important factor for him.

Jamil states that he likes to wear oversized and comfortable clothes. The loose fit is nice and allows him to easily move, which probably helps with fulfilling his duties. This is perhaps why Jamil wears a hoodie in his School Uniform card.

He wears many hair ornaments. Jamil buys them himself and receives them as gifts. He claims he is not too particular about them.

Jamil feels a little uneasy about bugs, even if he knows they are fake. He's reluctant to touch the silver insects on his Fairy Gala Couture boots. Ironically, he does not express any anxiety about the scarabs on his Dorm Uniform shoes.

He likes the arm sleeve on his Basketball Club Uniform—both the design and its function, which keeps his shots steady.

Jamil doesn’t normally choose colors like silver. It’s hard for him to feel comfortable in it.

He does not like accessories that can throw off his balance.

Warns others to be careful with delicate items such as corsages.

Jamil says prefers to not be bothered and to not stand out.

My impression: Compared to Kalim, Jamil's fashion is much more demure and dialed back. He still dresses well and fine fabrics so as to not bring shame to the Asims. For more casual attire, he prioritizes quality and comfort, preferring oversized and comfortable clothes he can easily move in. Probably avoid bug designs. Jamil wears his hair in an elaborate style but claims he doesn't think much of it + the accessories... which I don't personally buy for one second. It's one of the few things he has control over in his life, and why would he keep buying accessories and being gifted them if he supposedly doesn't care??? I think bro's humble bragging www

Vil

He, as a model and influencer, is familiar with the top brands and even works closely with some of them. He's well aware of the value of his face and won't allow others to use it without proper compensation.

He sometimes has to wear disguises to avoid paparazzi.

Notices little details like slightly different stripe thicknesses.

Vil is comfortable parading around in a variety of styles; he doesn’t seem to have a particular preference for one over the other, as he tends to have praise for whatever he finds himself wearing, as well as the clothes of other cultures. If an outfit can be stylish as well as functional, he can commend that too.

Often agrees with Crewel. For example, they both think Vargas has very "strange" tastes in fashion.

He won’t compromise on his looks. For example, he’ll bring an entire skincare routine with him when camping.

Expresses a jealousy towards his celebrity rival Neige's popularity. This may be in part to Vil being aware that he can't pull off the same "cute and innocent" aesthetic that Neige does.

Vil creates his own perfumes, skincare, and other cosmetics. He gives these to his dorm members as well.

Has scathing words for those who put no effort into their appearance and/or those who look down on caring about one's looks.

Notably, Vil is the concept of gender itself/j very comfortable wearing even very feminine outfits, such as more makeup-heavy looks or skirts/dress-adjacent additions.

My impression: One of the most fashion forward in the NRC cast, as well as one of the most flexible with his dress. He doesn't have one particular style he favors, though he is often seen in classic and elegant clothes that the public seems to think best suit his image. Vil is also gender non-conforming in his fashion, sometimes wearing traditionally "feminine" looks and being conident in it. Able and willing to call out what he deems as unseemly.

Rook

He used to cut his bangs with a knife. Back then, Rook was only concerned about keeping his vision clear. Nowadays, he ties his hair back when he exercises or cooks.

His hair is easily damaged by UV, so he has to take extra good care of it. Without that extra care, Rook says his hair becomes wheat-like in texture. Vil describes his old hair as being "long and unkempt" "dry and shaggy", and lacking in volume.

He used to wear denim jeans with holes and tears in them (as the result of animals). He also wore sweatpants often.

Rook tans easily; before meeting Vil, Rook didn't really have a skincare routine. His cheeks were freckled and the tip of his nose was red.

Vil says that Rook's only criteria for casual clothing used to be that it should be easy to move in. Rook has no trouble still hunting in his Pomefiore uniform, but also remarks that it was much easier to move in his Savanaclaw one.

Rook consistently wears hats. In his Savanaclaw days, the hat was consistently dirty with sticks, leaves, and soil. He recommends it to others as well to keep the sun out of their eyes while hunting.

He is also usually wearing gloves. This is probably because, as an archer, he needs to protect his hands when he pulls on the strings. Additionally, it could be that the gloves help to further conceal his presence (fingerprints).

His concept of beauty is not grounded in looks alone; Rook is able to appreciate even things others would typically consider ugly or odd.

Rook adopted a more elegant “Pomefiore” sense of style after he transferred and was encouraged by Vil to make himself as beautiful as the subjects he observed. To be clear, Rook states he does enjoy the Pomefiore uniform. He now also encourages others, such as Epel, to embrace the Pomefiore ways.

He says, "I never forget my duty to live up to the clothes I wear."

He doesn’t wear scent unless commanded to by Vil. This is because smell can give away his presence to others.

Rook has a keen eye for detail and can hone in on slight physical changes in both himself and in others.

My impression: Though Rook prioritizes dress that is easy to move in, allows him to hunt, and still conceals him, he currently dresses very differently and follows a new style that’s more in line with Pomefiore traditions. It’s not certain whether Rook still prefers his old threads and self-care routine, but he definitely seems loyal to his new ones at the moment. I get the sense that he really wants to "live up" to the standards of whatever outfit he has on.

Epel

Epel agrees with Deuce that flaming skulls would be a cool motif. It seems they share a sense of style.

He admits to having never thought much about his own appearance. If given the choice, however, Epel would prefer to be called cool rather than cute.

Epel appreciates the light, warm nature of the Applepom outfits. He's proud of his hometown and how the community comes together to prepare clothes and such for visitors.

Though Epel often scoffs at the skincare items Vil forces upon him, he does extol sunblock, as the sunlight bouncing off the snow of his home village can be very harsh.

He's somewhat clumsy, so he cannot handle outfits with excessive fabric too well. Epel tends to trip over himself.

He likes apple patterns on clothes, particularly the poison apple. Epel just thinks it's so cool!

Doesn't like tight clothing or clothes with ribbons and frills on them.

My impression: Epel wants to be seen as "cool"!! ... Which, if we know anything about Epel, is probably something along the lines of "traditionally masculine", seeing as how he looks up to people like Leona. He can learn to appreciate non-masculine outfits like his Rabbit Costume and Applepom, given the right circumstances (the former is rabbit-themed, which he likes, the latter is practical and comes from his hometown). His clothes should fit him and not be oversized in case he trips over it. Epel also favors apple patterns when possible.

Idia

Idia despises the idea of dressing up. It's implied that his usual threads are pretty plain (which makes sense; he doesn't like being stared at).

He repurposes his lab coat and goggles over his pajamas, finding the combo comfortable yet functional. The large pockets allow him to stash his phone or anything else he wants in them. The coat can also catch any spills or crumbs that get on it while he is snacking. Idia has modified the lenses to filter out blue light to make the goggles optimal for gaming. The gloves keep his fingers from getting sweaty and playing poorly. He gets all the functionality while others can't tell he's actually being a slob; Idia calls this "stealth mode".

Idia praises the functionality of the Applepom outfit as well. (The pom-pom on the hat is protective.)

There are rare instances in which Idia will praise the aesthetic; for example, he claims the gloves in his Lab Coat are part of the "aesthetic", but then he immediately continues to comment on the practicality of them.

Idia expresses that he is unable to relax when his hair is pulled back. This is likely because it called more attention to his face.

Very hyped about getting merch of his favorite things, such as a very exclusive T-shirt of his favorite girl group.

He speaks more confidently when he is wearing a mask or helmet, as it conceals his face.

Idia notices the quality and skill it takes to make cosplay. He incorporates his own knowledge of technology and materials to (for example) make a functional Halloween costume with light armor and sound effects.

My impression: Overall, Idia values function over form/looks and prefers his face to be hidden as much as possible. He chooses to dress in a non-descript way and loathes getting dolled up. There are exceptions to this rule; Idia can appreciate a good aesthetic and be passionate about clothing items if they are related to his niche otaku hobbies and interests.

Ortho

Ortho doesn't wear clothes like the traditional human would; rather, his parts can be switched out as needed. Many of his Gears are designed and installed by Idia, whom Ortho praises. He even refers to himself as his older brother's "masterpiece".

Ortho has a large span of capabilities depending on which Gear he is currently wearing, as each is designated with specific functions in mind. He describes Gears as containers he can upload his data into.

His body is capable of having many external add-ons. For example, Idia has made an Oral-Energy-Intake Gear so Ortho can simulate eating food on his birthday.

He thinks that cleaning his individual parts must take forever compared to just doing a load of laundry.

Ortho must consistently update his data to stay up to trend. To do this, he goes out to look at what's currently avaliable.

Post book 6, Ortho becomes more independent of Idia and more willing to design his own Gears. For example, Ortho is responsible for his White Rabbit Gear and contributes his own idea of "evolution" to his Fairy Gear (designed by Crewel).

Sometimes Ortho will ask Idia to make his Gears more decorative. For example, he requests that stars be added to his Starsending Gear.

Other times, Ortho will want to try out new Gears simply to sate his own curiosity. One example is in his Athletic Gear; he was curious about what it feels like to have feet, so Ortho asked Idia for them.

My impression: Like his older brother, Ortho values functionality. Unlike Idia though, Ortho is more experimental and curious with his looks. He actively goes out to gather more data about fashion and seeks new experiences which will enhance his own understanding of what it means to be human.

Malleus

Black is the color of Briar Valley’s royal family. Therefore, Malleus often wears large swathes of black.

He is not comfortable in clothes he barely wears such as his Ceremonial Robes. In the case of the robes, they stir up memories of being left out or uninvited.

Malleus points out the gold rose embroidery on the black fabric of his Masquerade Dress. He then remarks that the maker must “shares [his] tastes.”

Malleus is interested in uniforms. He thinks it is fascinating how, simply by wearing clothes, people assume a new role (such as “student” or “teacher”). Notably, be says few people dress “like this” in Briar Valley, implying that the fashion norms there are very different.

He notices striking makeup and accessories, as well as good fabric quality. Malleus invites others to take note of these too.

Malleus needs specially tailored headwear to accommodate for his horns. For example, his ceremonial robes have holes in the hood.

He rarely shows his tail, so it normally doesn’t need to be accounted for in his outfits.

My impression: I get the feeling that Malleus's fashion sense is elegant yet VERY outdated due to a combination of being so long-lived and sheltered. He seems interested in learning more about fashion as it relates to social status and occupations, but doesn't make a strong effort to explore it. It seems he also longs to be invited to events so he has an excuse to wear clothes that suit them, such as NRC's ceremonies. He defaults to wearing a lot of black to show off his affinity to the Briar Valley royal family.

Lilia

The most experimental in Diasomnia. He loves to paint his fingernails different colors, as well as dye his hair different colors.

In his days as a war general, he wore a mask that most humans would call scary. Lilia however thinks that the mask is "pretty stylish."

He cuts his own hair, as well as Silver and Malleus's.

Lilia is quite confident in his looks, often playing up and praising his own cuteness and charm.

He loves seeing clothing from cultures outside of his own.

Lilia notes that he used to wear stuffy uniforms to formal events. It seems he doesn't quite care for those clothes.

He is weak to the sun, so he has various methods to minimize his exposure and/or to deal with the sunlight.

Lilia doesn't mind clothes that impede him, such as his lab coat which has long sleeves. He "just [deals] with it" because he prefers his clothes to stay cute.

Like Vil, Lilia is another member of the cast that is comfortable wearing traditionally more "feminine" clothes, such as ruffles and skirts.

My impression: Lilia definitely has the most unique sense of style in Diamonia. Despite his age, he is flexible and willing to change with the times and cultures he encounters. He loves trying new things and adopting clothes, hair, and makeup that, although burdensome, enhance his cuteness. He also doesn't mind more "sinister" or edgy styles, such as what he wears for his Club Wear card and in his General's Armor card. Probably no formal clothes in his free time unless there's some added spice to it.

Silver

Silver thinks black uniforms are cool because Briar Valley's royal guard wears black too.

He grooms himself to "meet basic standards" but doesn't know much about fashion. Silver says he is 'clueless" about these kinds of matters.

He has a limited understanding of beauty in general. When Vil asks him to think of something beautiful, Silver replies with "Vil-senpai", and when Ortho tells him he looks like a fairy tale prince, Silver wonders if he looks like Malleus.

His headwear may be crooked sometimes, as Silver is falling asleep while standing up so often. He may also rub at his eyes, which smudges his makeup.

He likes practical clothing, nothing how his Dorm Uniform is easy to move in and how his Fairy Gala Couture boots could make for useful weapons in a pinch.

Silver thinks of some articles of clothing and accessories as obstacles. He notes that he may have to remove necklaces and such, as they could catch on his sword and impede him.

Other times, he thinks that bothersome items could serve as good training opportunities for him. For example, in his Masquerade Dress, his hat limits his field of vision but Silver says it can help him learn to be a better knight.

Silver reports that even if he is dressed up fancily, he is always prepared for emergencies.

My impression: Silver is (in my eyes) the least fashion forward of the group just based on his dialogue. He has a very limited way of thinking about how he dresses and prioritizes optimization for combat or training, not even considering how outfits look for the most part. Silver strikes me as the kind of guy who wears whatever others tell him to (particularly his dad), otherwise he'll go with something sensible and simple.

Sebek

Sebek maintains a neat and tidy appearance so as to not dishonor his liege.

He uses a LOT of hair gel to slick his hair back every day.

Sebek is sensitive to the cold, so he has to bundle up in the winter or snowy areas. He considers wearing a hat that covers his ears all year-round due to how comfortable he finds it.

He says he is not sure what clothes suit him best; he usually wears whatever he is given.

Sebek seems to favor protective gear, describing his coat for Vargas Camp as “durable, waterproof, [and] breathable”. He has lovingly stuck on Diasomnia iconography onto that rainwear too, really letting his inner fanboy speak.

Enthusiastic about clothes endorsed by Malleus and/or Lilia.

My impression: Like Jamil, Sebek takes care of his appearance so he, a servant, doesn't make his master look bad by association. This includes styling his hair so not a single strand of it falls in his face. He also seems to favor protective clothing, sharp uniforms, and anything with approval from Malleus or Lilia.

Crowley

Crowley presents as quite the vain character; he takes quick 3 minutes showers in the morning but leaves ample time for massages and beauty treatments.

He loves shiny things like jewels and precious metals, stating that he could stare at them forever if allowed to.

Crowley calls the mirrors on his belt beautiful. Again, this is probably because he likes shiny things.

He takes care of his shoes. When he notices they are even a little scuffed, he says that he will polish them until they are sparkling later.

He is reportedly never seen without his mask.

Students say they think Crowley would enjoy vacation clothes.

My impression: Crowley is upset when others—staff or student—do not give him the respect he feels he deserves. He is also shown many times over to care about the prestigious reputation of his school. If we extrapolate these feelings, it may explain why Crowley dresses the way he does: to come across like a respectable man, one who represents the interests of NRC (symbolized by the raven). The raven look may also just be because that’s the kind of fae he is, though this has not been confirmed by canon. Of course, he has also managed to incorporate the shiny accessories that catch his eye. People seem to think he likes vacation wear (such as Hawaiian shirts) due to his penchant to slack off.

Crewel

Crewel enjoys both current trends as well as vintage fashion; on his days off, he says he visits some vintage shops, as he finds older clothes that have lasted a long time have a certain aura about them that is hard to replicate.

He loves that the world of fashion is always evolving. It reminds him of his own inadequacies, which he works tirelessly to improve upon.

Crewel designs clothes and has done so for various students and himself. He is also shown to be capable of magically reinforcing them to be studier for combat.

He has experience working in the fashion industry prior to teaching. It’s clear that fashion is very near and dear to his heart, even to this day, since he continues to keep up with and engage with it.

Crewel also concocts his own cologne. He wears one of his own creations.

His fur coat is custom-made. It seems that he finds value in the uniqueness of it.

Crewel may share similar tastes and design philosophy as Vil, as the two work together in Fairy Gala and Fairy Gala: If to design and train the NRC runway models.

My impression: Crewel’s style strikes me as very flexible, forward-thinking, and willing to change. He demonstrates respect for both classic and modern fashions and doesn’t allow himself to be bound by a specific era. The man is always inventing something or on the hunt for the next best thing.

Trein

Trein claims that he is not particular at all with his outfits.

When asked about the way he dresses, he says he just makes sure his outfit and personal grooming befit that of a professor. This includes carrying around a lint roller to clean himself and the area of Lucius’s fur.

My impression: Though Trein doesn’t really seem to care for fashion, I wouldn’t say he has no sense for it or that he’s a slob—he very clearly puts effort into his appearance, if only to look professional. It’s just not an area he has a particular investment in, but he what he does take seriously is his job. This is therefore reflected in how perfectly groomed his appearance is.

Vargas

He prefers clothing that is easy to move around in; in one of his Unified Exam lines, he expresses that he cannot understand why Crewel’s fur coat is so expensive yet is also so impractical to move around in.

Vargas seems to canonically have a poor eye for aesthetics. In Vargas Camp, he appears in a strange beast-like outfit that he designed himself. In the sequel event, he gives Crewel a similarly eccentric and over-the-top outfit which everyone hints it is odd-looking. Vargas however thinks his designs are cool and powerful.

He suggests a heavier material for the school's P.E. uniforms so as to help the students enhance their muscles while they work out.

My impression: Vargas is really into sportswear/garments that are easy to move in, as well as things that look cool or strong to him (but are weird-looking to everyone else). He may also like clothes that help him with his training in other ways.

Sam

Sam states that he has multiples of the same suit that he just swaps around.

He explains the charm of his outfit as “whimsy peeking out from the formal”, most likely referring to the unique skeletal pattern on his suit.

Crewel states that Sam is aware of how he presents himself. Crewel also commends Sam's style as "unique" and "splendid", even if his tastes differ from Sam's.

My impression: Bro’s a NPC— I think Sam has said it pretty plainly himself; he likes formal clothes that have some fun or whimsical element to it. It also sounds like he doesn’t change up his style very often, given that he has so many of the same thing in his closet.

Yuu and Grim as a bonus

Yuu and Grim often have matching outfits whenever they get new ones (especially during events).

Grim loves outfits that make him stand out and emphasize his coolness. He tends to show off when he’s in something new.

Yuu realistically may have a NRC school uniform provided for them by Crowley; this is noted in the light novel (as in, Crowley actually hands Yuu a uniform), but not in the game or manga.

The Ramshackle Ghosts have made Halloween costumes for them out of old curtains. It follows that perhaps this is something they do for other occasions.

My impression: Aw, twinsies 🥺 That aside, Yuu and Grim have to take what they can get cuz otherwise Yuu’s literally only got the clothes on their back when they first arrived in Twisted Wonderland and Grim is basically naked. They can’t afford to be picky, just take whatever is handed to them and walk off with it

[jymwahuwu]

You should be mentally prepared when you take out a loan to open a store. Although the IPC salesperson did overlook some "extremely egregious" clauses in the presentation, it's your fault if you don't sign every clause carefully. Everything is written in accordance with interstellar recognized laws that even your planet recognizes (they must, unless they want to feel kicked out of the interstellar credit system and the economic collapse that comes with it).

As a member of Non-Performing Asset Liquidation Specialists, Aventurine is responsible for your case. You have exceeded the agreed repayment period. He held his chin while browsing your information and curled his lips. So… naive.

That's why Aventurine is here to help you. He provides you with a suitable "debt repayment plan". Strap you into an electric dildo and you'll be able to repay 3,000 credits. Riding on him can repay 50,000. If you are smart, you should know how to choose. Spanking, blowjobs (including swallowing his seed), and masturbation all at the right price for you. It's a pity that the interest will double.

You have to work hard to serve him.

(Sometimes when he brings the professor over, Ratio sees you standing naked in embarrassment.)

[thetirisfaltheatretroupe]

Coming September 7th: "Hellsqueal, the True Warchief's REMIX"

WHO: The Tirisfal Theatre Troupe...and YOU! WHAT: "Hellsqueal: The True Warchief's Remix", a live performance! WHERE: The Shrine of Fellowship, Jade Forest WHEN: Saturday, September 7th, 6:00 PM PST // 8:00 PM Central

(Original poster by our beloved friend Erialin. Miss you always <3)

Many years have passed since the fall of Garrosh Hellscream, widely referred to as only the second worst Warchief to ever live. In the wake of his legacy of failure, come have a laugh at his expense as we take a brief and historically accurate look at his career as Warchief of the Horde! Come join the illustrious Tirisfal Theatre Troupe as we perform this revision of a classic story, filled with drama, heartache, betrayal, heroics, and jokes about bronze frogs and dubious medical typos!

The show will be held at the Shrine of Fellowship in the Jade Forest (Wyrmrest Accord's shard, non-Warmode), a quick portal away for both factions on SATURDAY, SEPTEMBER 7TH at 6:00 PM PST // 8:00 PM CENTRAL! Runtime is approximately an hour and a half, though technical difficulties may cause us to go slightly over!

It's been a number of years since the Tirisfal Theatre Troupe last performed the play that put us on the map! While we said goodbye to the Hellsqueal trilogy of comedies a long time ago, with the advent of the wildly successful Mists of Pandaria Remix, we figured now was as good a time as any to dust off the old script and give people another taste of this timeless classic from the Timeless Isles. This time around, a few things are a little different - our standard of quality in what we've written is a little higher, our production value is a little larger, and we've got a number of new and old talent alike returning to the stage! Come join us for this recollection of a simpler time, and maybe find something both new and old to love about this new spin on the Tirisfal Theatre's very first major production that we premiered way back in 2013. Whether you are an old troupie, or someone who has merely heard of us in passing... you're certain to have a Hellscream of a time. Note: This post will be updated and reblogged as more information becomes available or clarifications are added! Special thanks to @shamanofthewilds for editing the time and date details on the poster on such short notice, you're an amazing asset to the company and crew! <3 And best Thrall.