non-compliance with laws and regulation

See page 112 of the AA notes - search "NOCLAR" Here for examples that do NOT have a direct effect ...https://opentuition.com/topic/noclar-2 And there is a CHAPTER on NOCLAR in our AAA notes - the notes are really not so long (150 pages for all the major topics of an entire syllabus) and you don't have to follow a lecture in order to understand the notes - so I would really appreciate that you use them as I write them for you to USE.