From time to time, the financial specialists will set out the concerns for volatility that are induced by financial constraints. The said will be reflected in the choice of operating policy employed by HD Faculty™ from time to time, which may be hedged to simultaneously undertake the control drifts and the volatility of HD Faculty™'s cash flow, supported by optimal dividend policies and risk reduction strategies that are required to be jointly determined. Notwithstanding, HD Faculty™ shall ensure that sufficient protective collateral is in place that limits potential losses in the event of default and make loans homogenous in terms of their risk factors.