Weather lore in the summer and bitterly cold in the winter. Northerly winds, which follow around a low, are cold and blustery. Sailing in conditions of northerly winds requires expertise and a boat capable of handling heavy waves. Southerly winds usually bring warm temperatures, and though they may not necessarily feed the fish, they do provide pleasant fishing weather. The best circumstance, however, is to have a westerly wind blowing; the wind condition is likely to persist for some time, the weather should remain fair and clear, and the wind should be relatively constant. Wind and weather observations will be different for
Financial condition report Financial condition report In accounting, a financial condition report (FCR) is a report on the solvency condition of an insurance company that takes into account both the current financial status, as reflected in the balance sheet, and an assessment of the ability of the company to survive future risk scenarios. Risk assessment in a FCR involves "dynamic solvency testing", a type of dynamic financial analysis that simulates management response to risk scenarios, to test whether a company could remain solvent in the face of deteriorating economic conditions or major disasters. Dynamic solvency testing may involve both "deterministic projections", based on