Academic literature on the topic 'Contributory pension scheme'

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the lists of relevant articles, books, theses, conference reports, and other scholarly sources on the topic 'Contributory pension scheme.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Journal articles on the topic "Contributory pension scheme"

1

Makochekanwa, Albert, Cheure Cheure, Moses Chundu, and Elisha Mavodyo. "A Informal Sector Self-Employed Workers’ Old Age Pension Scheme in Retail Sector in Zimbabwe." Journal of Social Development Studies 5, no. 1 (2024): 31–42. http://dx.doi.org/10.22146/jsds.12026.

Full text
Abstract:
The high incidence of informality in Zimbabwe implies that a large proportion of the adult population does not have access to contributory pension schemes during their working lives, rendering them ineligible for old-age pensions. The primary goal of this research is to develop a pragmatic informal retail sector noncontributory old-age pension scheme in Zimbabwe. The study drew empirical evidence from a comprehensive countrywide study using mixed-methods research. The study concluded that several factors, including the respondents' demographic characteristics, are important considerations in d
APA, Harvard, Vancouver, ISO, and other styles
2

Aliu, Olanrewaju Atanda, Mohamad Ali Abdul-Hamid, Salami Suleiman, and Salam Mudathir Olanrewaju. "TRANSPARENCY, COMPLIANCE AND SUSTAINABILITY OF CONTRIBUTORY PENSION SCHEME IN NIGERIA." Gusau Journal of Accounting and Finance 4, no. 1 (2023): 135–50. http://dx.doi.org/10.57233/gujaf.v4i1.204.

Full text
Abstract:
Policymakers have taken cognisance of necessity to improve the transparency and compliance level among parameters of pension reforms. Empirical literature found positive roles of transparency and compliance toward the achievement of pension reform objectives such as sustainability. However, the level of transparency and compliance of pension fund managers and employers of labour under the contributory pension scheme in Nigeria leaves much to be desired. Thus, this study examined the effects of transparency and compliance on the sustainability of the Nigerian contributory pension scheme. Data w
APA, Harvard, Vancouver, ISO, and other styles
3

O. ODO, Cosmas, and Okeke Chinedu. "The contributory pension scheme and the financial system development in Nigeria." Innovative Marketing 12, no. 2 (2016): 16–21. http://dx.doi.org/10.21511/im.12(2).2016.02.

Full text
Abstract:
The article examined the influence of the contributory pension scheme on the financial system development in Nigeria. Evidence accumulated from both theoretical and empirical literature point to the power of contributory pension to deepen the financial system. An empirical work earlier done showed that the total domestic savings (TDS) increased during the post- pension period; and that the capital market capitalization rose significantly over the period. It was also observed that its implementation has created an impressive scenario whereby now pension funds account for 30% and 8% bond and sto
APA, Harvard, Vancouver, ISO, and other styles
4

Savithri Manohari Goonatilaka, Wilarachchige, W. Indralal De Silva, and N. Sakalasooriya. "Exploring Determinants of Desire Towards Enrolling in Contributory Pension: Evidence from Self-employed and Informal Sector Workers of Sri Lanka." Proceedings of The World Conference on Social Sciences 2, no. 1 (2023): 55–64. http://dx.doi.org/10.33422/worldcss.v2i1.100.

Full text
Abstract:
Social security is an essential mechanism for reducing old-age poverty and improving the living standards of vulnerable individuals. One such social security instrument is the contributory pension scheme. This study aims to identify the determinants of self-employed and informal sector workers’ desire towards enroll in a contributory pension scheme offered by the State. A simple random sampling technique was employed to select respondents. Face-to-face interviews were conducted with 300 participants using a semi-structured questionnaire in the Kurunegala district of Sri Lanka. A multivariate l
APA, Harvard, Vancouver, ISO, and other styles
5

Olusesan, ASUBIOJO Abayomi, IGBEKOYI Olusola Esther, and DAGUNDURO Muyiwa Emmanuel. "Contributory Pension Scheme and Transitory Job Loss in Nigeria." Journal of Accounting and Financial Management 9, no. 8 (2023): 35–45. http://dx.doi.org/10.56201/jafm.v9.no8.2023.pg35.45.

Full text
Abstract:
Surviving the transitional period of job loss before finding a new job poses significant challenges for individuals. Therefore, this study aimed to investigate how the administration of contributory pension schemes affects transitory job loss in Nigeria. Employing an exploratory research design, this conceptual paper reviews existing literature to assess the extent of research on contributory pension schemes and transitory job loss. The study's findings revealed that individuals who lose their jobs encounter difficulties in accessing 25% of their pension contributions. These challenges arise f
APA, Harvard, Vancouver, ISO, and other styles
6

Bassey, Ebong Itoro, Monday Akpakpan, and Nkereuwem Bassey Etok. "Pension Reforms and Pensioners 'Welfare in Nigeria: A Study of Contributory Pension Scheme." International Journal of Contemporary Issues and Trends in Research 1, no. 3 (2023): 42–71. https://doi.org/10.5281/zenodo.10477415.

Full text
Abstract:
<strong>Abstract</strong>This research aims to analyze the influence of contributory pension schemes on the welfare of retirees in Nigeria. The plight of public sectors pensioners who have devotedly served the nation has been a cause of significant concern throughout history. Existing literature on pension reform and workers' welfare in Nigeria's public sectors illustrates the continued hardships faced by pensioners after retirement, despite variousreforms and changes in pension schemes. Regrettably, the newly adopted contributory pension system has failed to provide relief to retirees, resemb
APA, Harvard, Vancouver, ISO, and other styles
7

Ifarajimi, Gilbert Deinde, and Solomon Ibrahim Audu. "Contributory Pension and the Level of Old Age Poverty in Nigeria." Caleb Journal of Social and Management Sciences 8, no. 2 (2025): 17–25. https://doi.org/10.5281/zenodo.14735370.

Full text
Abstract:
Elderly people, most times, are retired from active service and face reduction in income and at the same time an increase in the level of expenditure as healthcare cost is increased. Contributory pension scheme is made mandatory for employees in Nigeria as a form of security against the future even though inflation sets to reduce the time value of money saved. This study assessed the influence of contributory pension on the level of old age poverty in Nigeria. The study is framed on the financial theory of defined pension benefit. Quantitative research method was used and secondary data collec
APA, Harvard, Vancouver, ISO, and other styles
8

Igbokwe, Igbokwe Chukwuma, Eze Fredrick, and Eneh Maximus. "Contributory Pension Scheme and Performance of Employee of Unity Schools in South East Nigeria (2005-2019)." Journal of Policy and Development Studies 15, no. 2 (2024): 58–67. http://dx.doi.org/10.4314/jpds.v15i2.5.

Full text
Abstract:
This paper critically examines the implementation of the contributory pension scheme in Unity Schools in the south east of Nigeria. The specific objectives were: to determine the extent of implementation of the contributory pension scheme; how it has helped in motivating staff and the challenges confronting the implementation of the scheme in Unity Schools in the South East. Population of the study was 1,091 based on the nominal rolls of the five schools in Enugu and Anambra States. The Sample Size of 293 was determined using the Taro Yamane’s statistical formula of 1964. Three hypotheses were
APA, Harvard, Vancouver, ISO, and other styles
9

UDOBIA, IMOWO UDOMA, NATHANIEL UDOH, and GODWIN EDET ESSOH. "CONTRIBUTORY PENSION SCHEME AND EMPLOYEE MOTIVATION TO RETIRE AMONG WORKERS IN AKWA IBOM STATE CIVIL SERVICE." Social Sciences and Management International Journal 4, no. 1 (2023): 89–105. https://doi.org/10.5281/zenodo.7968584.

Full text
Abstract:
Contributory pension scheme and employee motivation to retire among workers in Akwa Ibom state civil service was conceived on the basis of determining the relationship between contributory pension scheme and motivation to retire among workers in the civil service of Akwa Ibom State, Nigeria. Following the analyses of the work, it was found that a significant relationship exists between ease of access to pension benefits and motivation to retire. This was confirmed using Pearson Product Moment Correlation analysis. The findings of the study reveals that fund administrators&#39; commitment to pe
APA, Harvard, Vancouver, ISO, and other styles
10

Gberevbie, Daniel Eseme, and Aliyu Hannatu Undah. "Identifying the Key Challenges Faced by the Energy Commission of Nigeria in the Implementation of the Contributory Pension Policy." Journal of Posthumanism 5, no. 6 (2025): 2455–66. https://doi.org/10.63332/joph.v5i6.2364.

Full text
Abstract:
The Contributory Pension Scheme (CPS) in Nigeria has undergone significant changes since its introduction in 2004, with a major revision in 2014. The scheme mandates employers to contribute 10% and employees to contribute 8% of their monthly remuneration into Retirement Savings Accounts managed by licensed Pension Fund Administrators. Despite its aim to secure financial futures, the scheme faces challenges, particularly within the Energy Commission of Nigeria (ECN). A study examining the CPS at ECN from 2014 to 2024 identified issues with policy enforcement, administrative compliance, and paym
APA, Harvard, Vancouver, ISO, and other styles
More sources

Dissertations / Theses on the topic "Contributory pension scheme"

1

Möstl, David. "Stabilita důchodového systému České republiky v souvislosti s důchodovou reformou." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-113241.

Full text
Abstract:
Hardly anyone doubt about the necessity of pension reform nowadays. Opinions how to process the reform differs considerably. The main point of my work is to evaluate preferability of so called opt-out (partial release of financial sources from system based on continuous contribution into fund system) for various income and age groups in order to find out that such measures will not fundamentally threaten stability of pension system in the Czech Republic. Reform changes of pension reform of chosen EU countries are to be characterized in my thesis. I will also evaluate possibilities of aplicatio
APA, Harvard, Vancouver, ISO, and other styles
2

Ramos, Nuno Alberto Antunes. "Trajectória e natureza da reforma das pensões de velhice : os casos da Alemanha, Portugal e Suécia no período 1992-2015." Master's thesis, Instituto Superior de Economia e Gestão, 2016. http://hdl.handle.net/10400.5/13281.

Full text
Abstract:
Mestrado em Economia e Políticas Públicas<br>O presente trabalho tem como objetivo identificar a natureza e o perfil das reformas realizadas nos sistemas públicos de pensões da Alemanha, Portugal e Suécia, no período entre 1992 e 2015. Para a concretização deste objetivo, a dissertação baseia-se na revisão de literatura que mostra a influência das diversas determinantes no processo de reformas realizadas e as reformas implementadas nos países escolhidos. Após a caraterização das reformas através de indicadores qualitativos, conclui-se que a alteração da fórmula de cálculo das pensões constitui
APA, Harvard, Vancouver, ISO, and other styles
3

Melo, Ricarda Filipa Faria. "A Evolução da Equidade Intergeracional no Sistema Nacional de Pensões, no XXI Governo." Master's thesis, Instituto Superior de Ciências Sociais e Políticas, 2021. http://hdl.handle.net/10400.5/21587.

Full text
Abstract:
Dissertação de Mestrado em Gestão e Políticas Públicas<br>A equidade intergeracional revela-se na capacidade de as gerações presentes satisfazerem as suas necessidades sem comprometer essa mesma capacidade nas gerações futuras. Contudo, em Portugal, esta equidade pode estar comprometida pelo envelhecimento estrutural da população. As gerações mais velhas, em maior número, têm maior poder eleitoral, logo maior poder de influência sobre as políticas públicas a seu favor. O sistema nacional de pensões pode ser uma dessas políticas. Ele assenta num contrato geracional, mas como é de benefício def
APA, Harvard, Vancouver, ISO, and other styles
4

Holub, Martin. "Nepříspěvkové doby v důchodovém systému ČR ? opomíjený prvek transformace důchodového systému." Doctoral thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-77207.

Full text
Abstract:
Non contributory periods is one of the key issues in the public discussion on the planned reform of the pension system in the Czech Republic and is being widely discussed by economists, social scientists and political representatives. The PhD thesis focuses on a detailed analysis of non-contributory periods in the Czech pension system and their impact on pension system balance and micro and macro economic connections. It includes an international comparison of non contributory periods and a minute description of one selected non contributory period -- child care in selected European countries.
APA, Harvard, Vancouver, ISO, and other styles

Books on the topic "Contributory pension scheme"

1

Nigeria. Federal Ministry of Information and National Orientation., ed. The Obasanjo reforms: Contributory pension scheme. Federal Ministry of Information and National Orientation, 2005.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
2

author, Kesavan Santosh, Manjula R. author, and Institute for Social and Economic Change, eds. Contributory pension schemes for the poor: Issues and ways forward. Institute for Social and Economic Change, 2016.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
3

United Nations. Economic Commission for Latin America and the Caribbean and Deutsche Gesellschaft für Technische Zusammenarbeit, eds. Non-contributory pensions: Bolivia and Antigua in an international context. Naciones Unidas, CEPAL, Special Studies Unit, Executive Secretariat Office, 2006.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
4

Platform for Labour Action (Uganda), ed. The quest for a transparent and accountable social security system in Uganda: The voices of beneficiaries and contributors to the social security and pension schemes. Fountain Publishers, 2008.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
5

Platform for Labour Action (Uganda), ed. The quest for a transparent and accountable social security system in Uganda: The voices of beneficiaries and contributors to the social security and pension schemes. Fountain Publishers, 2008.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
6

Contributory Pension Scheme, Workers' Commitment, Retention, and Attitude Towards Retirement in Nigerian Civil Service. Global Journal of Management and Research. (Vol. 11, No. 4), 2011.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
7

The quest for a transparent and accountable social security system in Uganda: The voices of beneficiaries and contributors to the social security and pension schemes. Fountain Publishers, 2008.

Find full text
APA, Harvard, Vancouver, ISO, and other styles

Book chapters on the topic "Contributory pension scheme"

1

Meier, Henri B., John E. Marthinsen, Pascal A. Gantenbein, and Samuel S. Weber. "Swiss Institutional Investors." In Swiss Finance. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-23194-0_6.

Full text
Abstract:
AbstractInstitutional Investors, such as insurance companies, pension funds, real estate funds, and mutual funds, have become critically important players in the Swiss financial market. They channel capital from a multitude of investors, such as households, businesses, and the government, into asset classes like equities, debt, commodities, and real estate. The social security system plays a key role in this, together with the state-run basic benefit plan, the mandatory occupational pension scheme, and private savings. Insurance companies, comprising life insurance, non-life insurance, and rei
APA, Harvard, Vancouver, ISO, and other styles
2

Natali, David, and Michele Raitano. "Digitalization and Automation." In Digitalization and the Welfare State. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780192848369.003.0015.

Full text
Abstract:
This chapter summarizes the potential impact of technological innovations on pension systems, their financial sustainability, and social adequacy. The nature of the challenges depends on the different scenarios regarding the effect of technology on the labor market and type of pension scheme. In the event of massive job loss, we could see a decline in revenues and membership of statutory contributory pension schemes in social insurance systems, and the same might apply to coverage of supplementary pension funds. In the event of job transformation—with increased inequalities among workers—benef
APA, Harvard, Vancouver, ISO, and other styles
3

"6. An Exploration of a Universal Non-contributory Pension Scheme in Vietnam." In Older Persons in Southeast Asia. ISEAS Publishing, 2009. http://dx.doi.org/10.1355/9789812309457-012.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Arza, Camila. "Pension Policy and the State." In The Oxford Handbook of Governance and Public Management for Social Policy. Oxford University Press, 2023. http://dx.doi.org/10.1093/oxfordhb/9780190916329.013.66.

Full text
Abstract:
Abstract Over the 20th century, the state has acquired a prominent role in the administration of old-age pensions in Latin America, expanding legal coverage to the majority of the employed population. However, gaps in effective coverage remained large as a result of the high incidence of informal work. Over the last two decades of the 20th century, the almost exclusive role of the state in old-age protection was deeply challenged. Starting with Chile in 1981, several countries implemented structural pension reforms that shifted to individual accounts and private pension administration, thus co
APA, Harvard, Vancouver, ISO, and other styles
5

Macnicol, John. "Beveridge and Old Age." In Beveridge and Social Security. Oxford University PressOxford, 1994. http://dx.doi.org/10.1093/oso/9780198288060.003.0006.

Full text
Abstract:
Abstract In most accounts of the making of the Beveridge Report, the saga of retirement pensions has received relatively little attention. Generally, Bever idge’s task has been seen as unproblematic and essentially managerial-to merge and universalize the two existing schemes of non-contributory (1908) and contributory (1925) old age pensions into one new system, to co ordinate this with other parts of the reorganized social security plan, and to bring pensions up to a level of notional ‘subsistence’.
APA, Harvard, Vancouver, ISO, and other styles
6

Müller, Katharina. "Perspectives on Pensions in Eastern Europe." In Britain's Pensions Crisis. British Academy, 2006. http://dx.doi.org/10.5871/bacad/9780197263853.003.0015.

Full text
Abstract:
The dramatic political and economic changes witnessed by Central and Eastern Europe (CEE) and the Former Soviet Union (FSU) since the late 1980s did not leave the area of old-age security unaffected. While the inherited pension systems were rather uniform, the past seventeen years have brought diversity to the region's retirement schemes. Most transition countries have opted for parametric reforms, thus changing key characteristics of their pre-existing pay-as-you-go schemes. A number of countries in the region have embarked on partial or full pension privatization, thereby following the much
APA, Harvard, Vancouver, ISO, and other styles
7

Nyang’oro, Owen, and Githinji Njenga. "Old-age savings in sub-Saharan Africa." In The Domestic Savings Shortfall in Sub-Saharan Africa. Oxford University PressOxford, 2025. https://doi.org/10.1093/oso/9780198932482.003.0004.

Full text
Abstract:
Abstract The world population structure is going through a demographic shift, and the proportion of elderly people is projected to increase. This is a concern to sub-Saharan African (SSA) countries, where the majority of the people are young, and population growth and unemployment rates are high. A good pension system provides elderly assistance and is a source of savings for long-term investment. The pension funds in SSA are characterized by low coverage and participation rates and fail to guarantee a basic income to the elderly. The contributory nature of most private pension schemes does no
APA, Harvard, Vancouver, ISO, and other styles
8

Vieira de Andrade, José Carlos, João Carlos Loureiro, and Suzana Tavares da Silva. "Legal Changes and Constitutional Adjudication in Portuguese Social Law in Consequence of the European Financial Crisis." In European Welfare State Constitutions after the Financial Crisis. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198851776.003.0008.

Full text
Abstract:
Portugal was affected simultaneously by an economic, financial, and budgetary crisis. It is in this context that in 2011 the country signed an MoU on Specific Economic Policy Conditionality with the EU, the ECB, and the IMF, which prescribed cuts on social expenses in wages, pensions, and other benefits of an ‘assistentialist’ nature. The legal measures adopted in this respect focused mostly on the social security scheme and introduced changes in the legal framework for future pensions and unemployment benefits, new contributions for pensions in payment, and former non-contributory benefits, a
APA, Harvard, Vancouver, ISO, and other styles
9

Harris, Neville. "The Shape and Characteristics of Social Security Today (including Insurance) Pensions) and Means-tests)." In Social Security Law in Context. Oxford University PressOxford, 2000. http://dx.doi.org/10.1093/oso/9780198763079.003.0006.

Full text
Abstract:
Abstract The British social security system is today based on a tangle of complex, often interrelated, benefit schemes whose structures are subject to frequent amendment. These structures are based on an even more intricate legal framework. This chapter aims to map out the current framework of social security provision and to draw some conclusions about the system’s shape and principal characteristics. It examines various ways of classifying social security benefits for the purposes of such a map. It also explores the contrast between contributory and income-related benefits, including the pri
APA, Harvard, Vancouver, ISO, and other styles

Conference papers on the topic "Contributory pension scheme"

1

Shehi, Enkeleda. "The Impact of Population Ageing and Demographic Changes in Pension Schemes in Europe." In 8th International Scientific Conference – EMAN 2024 – Economics and Management: How to Cope With Disrupted Times. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2024. https://doi.org/10.31410/eman.2024.61.

Full text
Abstract:
This paper examines how population ageing influences pen­sion expenditures across European Union (EU) countries, drawing upon dif­ferent statistical data. The ageing demographic, characterized by extend­ed life expectancy and diminishing birth rates, presents challenges to the current pension systems. With projections indicating fewer contributors and more retirees in the future, pension expenses are expected to strain public fi­nances and impact intergenerational equity. As ageing trends persist, ad­justments in regulations, policy reforms, and diversified financial approach­es become very im
APA, Harvard, Vancouver, ISO, and other styles

Reports on the topic "Contributory pension scheme"

1

Gertler, Paul, Sebastián Galiani, and Rosangela Bando. Non-contributory pensions. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0011635.

Full text
Abstract:
The creation of non-contributory pension schemes is becoming increasingly common as countries struggle to reduce poverty. Drawing on data from Mexico's Adultos Mayores Program (Older Adults Program) --a cash transfer scheme aimed at rural adults over 70 years of age-- we evaluate the effects of this program on the well-being of the beneficiary population. Exploiting a quasi-experimental design whereby the program relies on exogenous geographical and age cutoffs to identify its target group, we find that the mental health of elderly adults in the program is significantly improved, as their scor
APA, Harvard, Vancouver, ISO, and other styles
2

Bando, Rosangela, Sebastián Galiani, and Paul Gertler. Another Brick on the Wall: On the Effects of Non-Contributory Pensions on Material and Subjective Well Being. Inter-American Development Bank, 2021. http://dx.doi.org/10.18235/0003082.

Full text
Abstract:
Public expenditures on non-contributory pensions are equivalent to at least 1 percent of GDP in several countries in Latin America and is expected to increase. We explore the effect of non-contributory pensions on the well-being of the beneficiary population by studying the "Pensiones Alimentarias" program established by law in Paraguay, which targets older adults living in poverty. Households with a beneficiary increased their level of consumption by 44 percent. The program improved subjective well-being in 0.48 standard deviations. These effects are consistent with the findings of Bando, Gal
APA, Harvard, Vancouver, ISO, and other styles
3

Chomik, Rafal, Philip O’Keefe, and John Piggott. Pensions in Aging Asia and the Pacific: Policy Insights and Priorities. Asian Development Bank, 2024. http://dx.doi.org/10.22617/wps240486-2.

Full text
Abstract:
This paper looks at how pension systems across Asia and the Pacific can overcome common challenges of low contributory coverage, inadequate social pensions, and failure to include the informal sector. Pension systems in the region also exhibit gender inequities, a lack of policy flexibility and attention to labor incentives, and underdeveloped governance. The paper reviews the structure and performance of regional pension systems, and makes proposals for an expanded role for social pensions with inclusive targeting, reformed contributory schemes, innovations for the informal sector and women,
APA, Harvard, Vancouver, ISO, and other styles
4

Chomic, Rafal, Phillip O’Keefe, and John Piggott. Pensions in Aging Asia and the Pacific: Policy Insights and Priorities. Asian Development Bank, 2024. http://dx.doi.org/10.22617/wps240491-2.

Full text
Abstract:
This paper looks at how pension systems across Asia and the Pacific can overcome common challenges of low contributory coverage, inadequate social pensions, and failure to include the informal sector. Pension systems in the region also exhibit gender inequities, a lack of policy flexibility and attention to labor incentives, and underdeveloped governance. The paper reviews the structure and performance of regional pension systems, and makes proposals for an expanded role for social pensions with inclusive targeting, reformed contributory schemes, innovations for the informal sector and women,
APA, Harvard, Vancouver, ISO, and other styles
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!