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 IFSC focused). The Corporate Treasury sector primarily consists of small IFSC subsidiaries of large non-financial multi-national services organisations (e.g. Pfizer, Xerox), which serve as a hub for in-house treasury functions (i.e. cash pooling, fx hedging), for their global parent and sometimes serving as shared services centres serving multiple locations and functions (providing administration and bookkeeping functions). While it is roughly estimated that between only 200-300 people are directly employed in the Corporate Treasury sector, the level of Irish corporation tax paid by these hubs is close to €200m per annum, making it more valuable to the Irish Economy then the