Criticism of Spotify after its release, citing that all music on Spotify is available to both paid and free users. Coldplay previously delayed their album "Ghost Stories" from all streaming services for four months after CD, vinyl and download release, and did the same with its earlier album "Mylo Xyloto". Beyoncé's self-titled album was not available until 24 November 2014, nearly a year after its original release. Adele's "21" was not initially available on Spotify, as Adele wanted Spotify to make her album available to paid subscribers only, but not to free users. Spotify declined her offer to avoid creating separate catalogues for
International Financial Services Centre International Financial Services Centre The International Financial Services Centre (or IFSC) began in 1987 as a special economic zone on a derelict 11 hectare site near the centre of Dublin, with EU approval to apply a 10% corporate tax rate for designated financial services activities on the site. Before the expiry of this EU approval in 2005, the Irish Government legislated in 1998/99 to effectively "turn the entire country into an IFSC" by reducing the overall Irish corporate tax rate from 32% to 12.5% (full effect by 2003). The legal requirement for a specific IFSC geographic area was thus removed,