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" ... Another possibility is to focus on high watermark values during a term to determine interest, but this method is more expensive and is not common. ... "
" ... It's no secret that employee turnover numbers are a watermark for how engaged employees are and how much they believe in the business they work for. High turnover is a sign of an unsatisfied workforce. A company with large turnover is likely to be affected by an ongoing issue that is negatively impacting hires. ... "
" ... One possibility is that if a step-up brings the benefit base to a higher level again at a later age, the owner may be able to apply the higher payout rate at that age to the new high watermark for an even bigger increase in income. Another possibility is that as each age band when a higher payout rate is reached, the company may check if applying that payout rate to the account value will support an increase in income, and if so, may then reset the guaranteed income level to this higher value. This could happen without reaching a new high watermark if the contract value is close enough that income would increase with the higher payout rate for the new age band. ... "
" ... There are, of course, exceptions where this may not be an ideal fit, and I believe online learning programs have yet to reach the watermark where they could provide a complete replacement for a traditional setting — although our company is seeing greater integration of programs in both education and enterprises as it works with universities and corporations. The shift to a blended learning model may be inexorable. However, some content might be better delivered in person, such as the physical manipulation of objects, reading an individual, or providing psychological or professional feedback. The human experience could be a much more effective teacher for some types of content. ... "
" ... “Investors underwrote top-of-the-market rents and pitched the investment opportunity to their capital partners. In turn, banks underwrote the assets using high watermark rents and provided financing accordingly,” says Kelly. “These investors were having trouble leasing space pre-Covid and had to explain to the capital partners that they were not going to hit the projected rents. Now, Covid puts them in an even worse position.” ... "