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inventory management receivables management cash management always almighty afraid affliction talent development adversity adversaries abudant life forward contract future contract derivatives financial intermediaties stock market indicies essential commodities act consumer protection act rank correlation hr surplus and shortage process dimensions hrp human resource forecasting demand forecasting competency mapping career planning career management succession planning trend analysis competancy mapping supply forcasting variance analysis standard costing contract costing batch costing interest on securities dividend inshares target costing flexible manufacturing system kaizen costing kaban card back flushing just in time hidden factory activity based costing introduction