Where there is no cap the example shall illustrate the APRC at the highest borrowing rate in at least the last 20 years, or where the underlying data for the calculation of the borrowing rate is available for a period of less than 20 years the longest period for which such data is available, based on the highest value of any external reference rate used in calculating the borrowing rate where applicable or the highest value of a benchmark rate specified by a competent authority or EBA where the creditor does not use an external reference rate.

In the last few years we have seen them decline significantly, to the point where seniors feel duped. They feel duped by the promises.

The properties have risen in value in recent years, and I'm aware of that.

‘1a. When it exceeds the reference value, the ratio of the government debt to gross domestic product (GDP) shall be considered sufficiently diminishing and approaching the reference value at a satisfactory pace in accordance with point (b) of Article 126(2) TFEU if the differential with respect to the reference value has decreased over the previous three years at an average rate of one twentieth per year as a benchmark, based on changes over the last three years for which the data is available.

In order to identify the metiers to be sampled, the following ranking system shall be used at level 6 of the matrix in Appendix IV (1 to 5) on a national basis by Member States using as reference the average values of the two previous years and:

Canada's craft brewers are leading the revolution in value added production that has, in recent years, given our country: a host of artisanal cheeses, a growing range of organic and heirloom fruits and vegetables, world domination in ice wine and the invention of entirely new products, like cidre de glace.