The user [device] displays and allows the user to interact with cards of information. Logically, a user navigates through a series of HDML cards, reviews the contents of each, enters requested information, makes choices, and moves on to another or returns to a previously visited card. Cards come in one of four forms: Nodisplay, Display, Choice, or Entry. Display, choice, and entry cards contain text and/or references to images that are displayed to the user. Choice cards allow the user to pick from a list of mobile number tracker available options, and entry cards allow the user to enter text. While it is expected that cards contain short pieces of information, they might contain more information than can be displayed in one screen full. The user [device] will provide a mechanism for the user to view the entire contents of the card, An example of this would be a user-interface that allows scrolling through the infommtion.’ In the HDML standard a collection of several cards is called a ‘deck’.

This approach permits more efficient use of bandwidth because it allows for down-loading small decks of information into a mobile phone rather than needing an over-air transmission each time a new bit of information is requested. The authors explain that the deck is roughly the equivalent of a web page: HDML cards are grouped together into decks. An HDML deck is similar to an HTML page in that it is identified by a URL and is the unit of content requested from a server and cached by the user agent. Individual cards within a deck are identified by name and can be addressed by URL fragment. Micromax Canvas 6 pro

WAP stands for Wireless Access Protocol, a bearer-independent service devel-oped by the Wireless Application Protocol Forum which later became the Open Mobile Alliance. WAP is in fact not a single standard but a set of protocols designed to work together to resolve some of the constraints of transmitting data over cellular networks. For instance, WAP pages are written in ‘Wireless Markup Language (WML), a derivative of HDML, but also require a host of other pro-tocols to coordinate the signals that pass between the server, an operator’s gateway and internal network, the base station and air-link segment and ultimately to the handset.WAP is properly described as a bearer-independent protocol, which means that it can operate over any air-link standard, although most of the early WAP services were developed for and ran over GSM networks. When it was first introduced mobile data services were mostly circuit-based


Investment Management works with clients to develop advanced portfolio management strategies to help them achieve specific goals for their own or their institution’s financial future. Investment Management consists of two major global businesses: Private Wealth Management and Goldman Sachs Asset Management. Private Wealth Management Private wealth management group (PWM) secures, develops, and manages relationships with high net worth individuals, their families, family offices, and foundations. PWM offers services to help clients build and preserve their financial wealth by creating and implementing long-term asset allocation within the context of each client’s particular risk tolerance and providing access to sukanya samriddhi account form innovative investment ideas and opportunities. PWM professionals develop customized investment strategies and offer a full array of wealth management products and services, including private banking and trust services. PWM is organized as:

1. Goldman Sachs Trust Company: The trust company is a national bank limited to fiduciary activities for trust and estate administration and related services to ultra high-net-worth clients across the United States. The trust company is a full-service corporate fiduciary and offers trust and estate administration and related services.

2. Private banking: GS offers private banking services, enabling clients to consolidate the management of all their investment and banking assets and liabilities with one firm. Banking services are integrated into the firm’s existing investment offering, allowing a single set of services that simplify the management of a client’s wealth. Core offerings include deposit products, a suite of payment services, and broad lending capabilities.

3. Investment strategy group: This group seeks investment opportunities across global markets and asset classes with a view to preserving and growing clients’ wealth. Responsibilities include helping clients determine their optimal strategic asset allocation, generating tactical investments ideas, and identifying the best way to implement these views.

4. Special investments group: The group is responsible for marketing GS’s alternative investments. These investments include private equity funds, hedge funds, real estate funds, exchange funds, mezzanine funds, and opportunistic funds.

5. Markets coverage group: The group offers clients coverage and execution in a variety of products and asset classes in markets around the world.

6. Partners coverage group: This group provides personal wealth management services that include diversification and asset allocation, portfolio construction, and risk management analysis, as well as advice on private wealth management and/or investment management.

Investment bankers deliver strategic advice and creative financing solutions to clients, including mergers, acquisitions, financing, and risk management transactions. Investment banking at GS encompasses two areas: investment banking and financing group. This dual structure enables GS to offer a broad range of products and advisory services, furthering the firm’s ability to deliver effective solutions to clients. Investment banking provides expertise across products, industries, and regions. The team approach to client service enables GS bankers to play an important role in building relationships and executing transactions. They may, for instance, help to orchestrate a global equity or debt offering for a corporation in Asia, advise a U.S. company on a cross-border merger, or create an innovative private market transaction for a European financial institution. The financing group originates and executes all financing initiatives within Goldman Sachs. Teams at the financing group work closely with corporate clients, pension funds, financial sponsors, and governments to structure and execute financing and risk management transactions. The aim is to provide clients with the best financing and risk management solutions across the full product spectrum, including equity, debt, and derivatives. To achieve this goal, the financing group comprises all Goldman Sachs’ capital markets departments, and operates in close cooperation with other areas of investment banking and other divisions within the firm. The financing group is organized as: –

1. Equity capital markets: Equity capital markets division is part of the larger investment banking division. It is responsible for raising or selling equity in primary and secondary markets. This team provides client support during the origination, execution, and after-market phases of equity transactions.

2. Liabilities: Selects the ideal liabilities-driven investment strategy for clients, based on their unique liability streams, current funded status, risk tolerance, and return objectives.

3. Structured finance: This group focuses on the infrastructure asset class and other structured finance opportunities, including asset securitization, collateralized debt obligations, and callable bonds. Structured finance solutions are tailor-made to borrowers’ needs and typically involve complex legal and corporate entities.

4. Pensions: GS advises corporations and their pension funds on defined benefit obligations. Advisory services include an evaluation of liabilities and assets, and insight into how these could impact fund solvency and the corporation’s accounts.

5. Fixed income, currency, and commodities and equity derivatives: The group focuses on structuring risk management solutions through the use of derivatives for corporations and sovereigns to help mitigate interest rate and foreign exchange risks. Subdivided into regional teams, the group typically structures derivatives in context of pre-hedging acquisitions, debt, and asset restructuring.

6. Equity derivatives: The team specializes in strategic transactions that focus on equity derivative instruments. Pricing derivative instruments, interacting with traders, and working with the Investment Banking division and the firm’s trading desks assist the group in its day-to-day functioning.

7. Leveraged finance: Leveraged finance uses debt financing to structure the acquisition or recapitalization of companies or business units. To generate an appropriate capital structure, the group uses leveraged loans, high yield bonds, or a combination of both to enable companies to meet their balance sheet objectives.

Human capital management division works to attract, develop, retain, and manage the firm’s most important assets, its people. The division is organized as:

1. Generalists: Works closely with divisional leadership to address ongoing and strategic business issues. Each division within the firm has its own dedicated human capital management team to address the needs of a particular client group.

2. Employee relations: Acts as the internal consulting group to all levels of employees and management. This group ensures that GS business principles are upheld and provides conflict resolution.

3. Global leadership and diversity: This team helps to attract and retain the best and most diverse talent from all of the communities and cultures. The team plays a critical role in helping GS meet this objective through leadership, commitment, and accountability at all levels.

4. Human capital management finance: Helps the human capital management division to operate in a financially efficient way and provides expert financial advice to managers and project teams.

5. Human capital management strategy and management: Focuses on needs within the division, including performance reviews, mobility assignments, recruiting, and training.

6. Pine Street and Goldman Sachs University: The Pine Street and Goldman Sachs University groups develop and execute solutions to address key organizational, cultural, and people development issues. The group plans and executes plans to help employees develop personally and professionally. They offer a range of growth and development opportunities to all employees at every stage of their careers.

7. Recruitment: This includes graduate recruitment, diversity recruitment, and experienced-hire recruitment.

8. Rewards: Designs, implements, and administers competitive benefits programs; works on employee special investments and equity compensation;designs and administers relocation programs, and drives initiatives that support healthy lifestyles.

9. Technology strategy and services: Responsible for driving technology related strategy and ensuring the group’s partnership with IT to implement leading edge technologies to optimize process efficiency; ensuring that all human capital management data are compliant with internal and external requirements.

10. Talent assessment group: Measures employee satisfaction, engagement, and commitment through surveys, and by partnering with managers to develop their people. The group also conducts data analyses to provide divisional human capital management colleagues with strategic advice to drive change and to help people develop and succeed at all levels of the firm.


Finance is responsible for the firm’s capital management and risk monitoring. The teams act as advisors to senior management on essential areas such as controlling the firm’s global risk exposure and the profitability and structure of its various businesses. Finance division carries out these responsibilities by: tracking and analyzing the firm’s capital flows; managing the firm’s relationship with external regulators; preparation of the firm’s statutory financial information and statements in accordance with the applicable accounting principles of each region; working closely with all of the firm’s business areas; and measuring, analyzing, and controlling the risk exposures of the firm. The finance division is organized like this:

1. Controllers: Safeguards the firm’s assets.
2. Corporate tax: Ensures that the firm complies with tax laws.
3. Corporate treasury: Manages the firm’s liquidity and capital structure. 4. Credit: Protects the firm’s capital against counterparty default and advises clients on credit ratings.
5. Firmwide strategy: Develops and executes long-term strategic plans.
6. Market risk management and analysis: Manages the firm’s market risk.
7. Operational risk: Identifies, measures, monitors, and manages operational risk exposures.

Global compliance is dedicated to protecting the reputation of the firm, managing risk, and helping to advance the business of the firm. Working closely with each business, global compliance professionals help to shape the direction of one of the most respected firms in the world. The major functions  include providing advice to the business, testing, monitoring, regulatory reporting, training, surveillance, managing regulatory audits and inquiries, and developing and implementing policies and procedures. Global compliance professionals interpret and ensure compliance with regulatory requirements and determine how the f irm can appropriately pursue global market opportunities.