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[!lemma=test] □
Foreign individuals or companies that wish to invest in the Indian markets without being identified use participatory notes ( PN ) , which are derivative contracts , issued by the FIIs to invest here . The National Association of Insurance Commissioners ( NAIC ) is a non-profit association whose members are the chief insurance regulatory officials in all 50 states , the District of Columbia , and the U.S. territories . Buildings over water or principally below ground , gas and liquid storage tanks , animals , birds , fish , aircraft , wharves , piers , bulkheads , growing crops , shrubbery , land , livestock , roads , machinery or equipment in the open , and motor vehicles are not insurable . Premium costs are frequently lower because economies of scale in large groups make administration less expensive . Seeing that the pro-Hu faction seems to have gained the upper hand in Zhongnanhai ( Beijing 's walled compound of leadership ) , some predict changes in the country 's political scene .