Adam Rosen - Lead financial writer
When trading live markets with LiteForex Europe you will want to make sure any money you deposit with LiteForex Europe is safe. And that any positive balance that you gain from succesful trades on LiteForex Europe you are easily able to withdraw to your selected withdrawal methods. Its important to only fund well regulated trading platforms as you have some recourse if LiteForex Europe goes under. When analysing if LiteForex Europe are a safe trading platform to trade with you need to asses the availability of LiteForex Europe in your country, the reliability of the LiteForex Europe trading platform, what financial instruments you are able to trade on LiteForex Europe. What funding and margin amounts are required to trade on LiteForex Europe, LiteForex Europe commissions and fees charged for place buy and sell orders. What the LiteForex Europe reconciliation process is, what reporting demands LiteForex Europe has to financial regulators and goverment and the level of LiteForex Europe customer support on offer in your region.
LiteForex Europe is a broker that offers trading in Forex, Majors, Indices, Energies, Metals, Agriculturals. LiteForex Europe is not as safe as some more well regulated brokers. The LiteForex Europe platform is intuitive and user-friendly, and it comes with an excellent LiteForex Europe trading app for mobile devices. Investing opportunities are available through over 100 LiteForex Europe financial instruments. So LiteForex Europe will have something useful for most traders.
LiteForex Europe is known to have a stable trading platform as well as its prompt and expert customer service. The features LiteForex Europe offers, make it possible for traders to recognise opportunities, react to them, and quickly carry out buy and sell orders on live financial markets using LiteForex Europe tools.
LiteForex Europe is well regulated, always be wary of trading platforms like LiteForex Europe that seem too good to be true and if you are new to LiteForex Europe, always try a demo account first.
LiteForex Europe Desktop based trading platforms offer a more secure experience than their LiteForex Europe mobile app counterparts. LiteForex Europe trading applications must follow some fundamental guidelines, when giving traders access to live high risk financial markets. If a trading platform is offered as both a mobile app and a desktop application like LiteForex Europe, the LiteForex Europe desktop software is going to be a more secure option than the LiteForex Europe mobile software if you are serious about trading.
LiteForex Europe is not as safe as some more well regulated brokers in terms of their trading app. The LiteForex Europe application can be downloaded from the mobile app stores for both Apple's iOS and Google's Android operating systems, as well as from third-party websites. Only download LiteForex Europe from an approved verified source.
Do not confuse a basic looking LiteForex Europe trading app on your smartphone with a robust full LiteForex Europe trading platform that offers live expert customer support. Some mobile trading apps will have fewer bells and whistles than then a full fledged LiteForex Europe desktop trading platform on multiple screens. When there is significant volatility in the markets, a genuine trading platform like LiteForex Europe must not only remain stable but also operate without interruption thanks to its robust network and well-programmed live market infrastructure.
Because LiteForex Europe is a proper trading platform, LiteForex Europe can seem overly complicated to new LiteForex Europe traders. LiteForex Europe is an excellent option for individuals who are just beginning their trading careers, to experienced LiteForex Europe traders alike. LiteForex Europe does an excellent job of striking a balance between the various helpful tools and features it includes in its user-friendly LiteForex Europe web platform and LiteForex Europe mobile trading app.
There are many online trading sites that provide real-time quotes and information on trades like LiteForex Europe. For some LiteForex Europe investors, the convenience of dealing with everything in one place improves a traders workflow when using LiteForex Europe. Customers of brokers such as LiteForex Europe are given access to live data streams relating to the stock markets, Forex markets, commodities markets, crypto markets and ETF markets on LiteForex Europe.
The funds belonging to LiteForex Europe customers are stored safely in tier 1 banks, and an SSL encryption system is used to protect any personal information that may be transmitted to and from LiteForex Europe. LiteForex Europe is subject to regulation by CySEC, which govern how LiteForex Europe as a company conducts its business. Please note that specific regulators only monitor specific LiteForex Europe company entities. You need to be sure of which financial regulator your LiteForex Europe account falls under, before trading on LiteForex Europe.
When checking the safety of LiteForex Europe. Be wary of websites that provide a limited number of customer support options. Live chat, email, and phone support are all available from LiteForex Europe. If the LiteForex Europe trading platform. If you ever have any issues with funding your LiteForex Europe account, withdrawaling from your LiteForex Europe account or accessing the LiteForex Europe trading platform you will need LiteForex Europe customer support to resolve your issue quickly.
The process of withdrawing money from LiteForex Europe accounts is straightforward. Up to the value of the current LiteForex Europe balance in your LiteForex Europe account, less the amount of margin that has been used, may be withdrawn at any time. Your LiteForex Europe funds will be refunded to the same account that was used for the LiteForex Europe initial deposit, and any LiteForex Europe refunds will be processed using the same orginal LiteForex Europe deposit method.
In the event that LiteForex Europe are unable to fulfil their financial commitments to LiteForex Europe registered users, financial regulators should have a fund will be used to compensate qualifying LiteForex Europe customers. Any compensation from LiteForex Europe financial regulators may only be to a limited amount.
It is possible for the sum of money you have available to you in the LiteForex Europe trading platform to go into the negatives. This may happen if all of your LiteForex Europe available balance is invested in open positions, LiteForex Europe overnight fees are deducted from your LiteForex Europe account, or trading losses are incurred when trading with LiteForex Europe.
LiteForex Europe have integrated real stock trading and ETF into their operational models through the use of CFDs. In recent years, LiteForex Europe has implemented a number of useful improvements that have made the platform better suited to the needs of long-term investors. The majority of LiteForex Europe users trade in highly volatile, high risk financial instruments that have a high percentage of loss. If you are considering trading CFDS with LiteForex Europe, understand that CFD trading is high risk due to the leverage used, and you do not own the underlying CFD asset on LiteForex Europe. A CFD trade on LiteForex Europe is speculation on price movement between you and LiteForex Europe.
LiteForex Europe gives users the opportunity to trade and invest in a wide variety of digital currencies. LiteForex Europe conducts business in a manner that is compliant with the regulations of CySEC. The LiteForex Europe platform has a good range of cryptocurrency trading options. When trading crypto assets or related crypto financial products on LiteForex Europe, you must understand that cryptocurrency prices are highly volatile and your capital is at risk when trading crypto on the LiteForex Europe trading platform.
The LiteForex Europe trading platform gives users the opportunity to invest in the foreign exchange market using a selection of different currency pairs, which can be examined in more detail on the LiteForex Europe website. LiteForex Europe offers traders over Forex pairs, including major, minor and exotic currency pairs.
On LiteForex Europe, the trading of stocks can be done in one of two distinct ways. You have the option of buying and selling stocks directly (also known as trading real shares) or by using LiteForex Europe contracts for difference (CFDs). You are able to trade in either direction with LiteForex Europe CFD stocks, and you can also use leverage to magnify the exposure of your LiteForex Europe stock trades. Trading CFD stocks on LiteForex Europe is high risk and you may lose more than your deposited amount if a LiteForex Europe CFD stock trade does not go in your favour.
LiteForex Europe makes it simple and easy to trade in commodities such as gold, silver, platinum, copper, nickel, aluminium, and palladium. The LiteForex Europe platform is governed by CySEC.
LiteForex Europe ensures the safety of its customers funds by depositing LiteForex Europe customer deposits in reputable financial institutions and encrypting all of their LiteForex Europe held personal information using SSL technology. Because LiteForex Europe complies with the regulations set forth by CySEC in order to conduct business, there are safeguards in place to protect LiteForex Europe investors.
It is possible for the sum of money you have available to you in the LiteForex Europe platform to go into the negatives. This might happen if all of your available LiteForex Europe funds is invested in open positions, LiteForex Europe overnight fees are deducted, or LiteForex Europe trading losses are incurred. Both of these things could happen. When it comes to trading CFDs with LiteForex Europe, retail investor accounts lose money at a rate of upto 80% on average. Only trade with money that you can afford to lose with LiteForex Europe. Your capital is at risk
When depositing to LiteForex Europe you will need to make sure that any funding method you use is a well regulated safe financial services provider. LiteForex Europe offers funding and withdrawal methods. Some LiteForex Europe funding and withdrawal methods may not be avalable in your region.
The LiteForex Europe trading platform holds funds which may include fiat currency, cryptos and other assets. This can be considered a type of LiteForex Europe wallet. LiteForex Europe have to offer a secure trading platform as part of their regulation. LiteForex Europe has a number of high-level security features that prevent unauthorised access to the user's positive balance holdings. LiteForex Europe comes equipped with built-in DDoS protection as well as standardisation protocols for addressing issues related to large-scale LiteForex Europe network outages or LiteForex Europe cyberattacks.
You have a responsibility to make certain that the LiteForex Europe trading platform you use has a high level of security so that your personal information is not put at risk. The use of firewalls at both the LiteForex Europe server and LiteForex Europe application levels, as well as separate synced LiteForex Europe servers for storing data, is a feature that is a must for top-tier trading platforms like LiteForex Europe. In addition LiteForex Europe offers two factor authenication.
When deciding upon LiteForex Europe A reliable LiteForex Europe trading platform has a lower risk of experiencing LiteForex Europe network issues, data freezing, or LiteForex Europe order execution problems, all of which have the potential to affect LiteForex Europe trades. It is absolutely necessary to have prompt access to LiteForex Europe customer support provided by a real person at LiteForex Europe. Some LiteForex Europe alternative trading platforms are notorious for providing slow customer after many days of e-mails. You will need to be sure LiteForex Europe is there if you have any issues and LiteForex Europe is always able to give you the tools you need to action your trading strategy.
Trading forex on LiteForex Europe requires you to digest massive swaths of data before you can even think about making a live buy or sell Forex pair order. Using LiteForex Europe technical analysis charting tools you should be able to access all of the necessary information in a single LiteForex Europe location. Numerous online trading platforms like LiteForex Europe give you access to both fundamental and technical information in order to assist you in making more informed Forex trading choices.
LiteForex Europe fees may be somewhat more expensive than some LiteForex Europe alternative trading platforms, which is one of the drawbacks of using the LiteForex Europe platform. You will need to be well aware of any trading fees and commissions which vary depending on the financial instrument you are trading on LiteForex Europe.
The Securities and Exchange Commission issues a warning to LiteForex Europe investors that it takes time to make legitimate LiteForex Europe investment decisions. LiteForex Europe investors who aren't used to dealing with markets that move quickly may find themselves swept up in the excitement of trading live financial markets on LiteForex Europe. They might end up losing a lot of money on LiteForex Europe, before they even realise what has happened to them.
LiteForex Europe investors who trade stocks, Forex, crypto, commodities, CFDs and ETFs online should educate themselves about the companies whose shares they are purchasing using LiteForex Europe and put safeguards in place to protect the money they have deposited to the LiteForex Europe trading platform. One way to exercise control over the items and quantities that you purchase through LiteForex Europe is to set a limit order on your LiteForex Europe trading account. You are able to set a specific price in LiteForex Europe at which an asset will be purchased by using the LiteForex Europe order limits trading feature.
You have no emotional of personal connection to LiteForex Europe when trading. LiteForex Europe traders have to make their own decisions based on their own research and knowledge. LiteForex Europe is not able to give you financial advice. It is your responiblity to educate yourself to market trends and risk management strategies when using LiteForex Europe to trade. LiteForex Europe as a broker will not be able to assist LiteForex Europe traders in navigating the complex terrain of the financial markets.
When it comes to making choices regarding the purchase and sale of financial instruments on LiteForex Europe, LiteForex Europe traders are frequently left to their own devices. This degree of independence can bring about a feeling of self-dependence in some people using the LiteForex Europe trading platform.
Should your internet connection be unreliable or unsteady when trading with LiteForex Europe, you run the risk of missing out on a deal that could have been significant or lucrative for you.
LiteForex Europe investors ought to always have a contingency plan in place when trading live financial market using LiteForex Europe, just in case they lose access to the internet. LiteForex Europe customers are able to place their orders with LiteForex Europe mobile apps. Some LiteForex Europe alternatives even offer their clients the option of dealing with live brokers to place their orders.
When placing live trades on LiteForex Europe, every trade that is actioned wether its a buy or sell order on LiteForex Europe, must be done after careful research and consideration using LiteForex Europe research tools and market trend data. For some people, buying and selling financial instruments on global markets with LiteForex Europe is very similar to gambling. The LiteForex Europe trader will first speculate on what the outcome of something will be, and then place a financial wager on whether or not the speculation will be accurate. Trading live global markets with LiteForex Europe must never be done in a gambling fashion. Trading with LiteForex Europe holds a high amount of risk and must be taken seriously. Risk management strategies are a must when placing live trades on LiteForex Europe.
LiteForex Europe Financial Regulation: CySEC
🤴 LiteForex Europe is Used By: 10,000
💵 What You Can Trade with LiteForex Europe: Forex, Majors, Indices, Energies, Metals, Agriculturals,
💵 Instruments Available with LiteForex Europe: 100
📈 LiteForex Europe Inactivity Fees:
💰 LiteForex Europe Withdrawal Fees: No
💰 LiteForex Europe Payment Methods:
💰 LiteForex Europe Account Base Currencies:
LiteForex Europe Risk warning : Your capital is at risk
IC Markets Financial Regulation: Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC)
🤴 IC Markets is Used By: 180,000
💵 What You Can Trade with IC Markets: Forex, Majors, Energies, Metals, Agriculturals,
💵 Instruments Available with IC Markets: 232
📈 IC Markets Inactivity Fees: No
💰 IC Markets Withdrawal Fees: No
💰 IC Markets Payment Methods: Credit Cards, VISA, MasterCard, Debit Cards, Visa, MasterCard, Bank Transfer, PayPal, Neteller, Neteller VIP, Skrill, Poli, Cheque, BPAY, UnionPay, FasaPay, QIWI, RapidPay, Klarna, Electronic wallets (eWallets), Broker to Brokers, Thai Internet Banking, Vietnamese Internet Banking,
💰 IC Markets Account Base Currencies: USD, GBP, EUR, CHF, JPY, SGD, AUD, CAD, HKD, NZD
IC Markets Risk warning : Losses can exceed deposits
Roboforex Financial Regulation: RoboForex Lid is regulated by Belize FSC, License No. 000138/7, reg. number 000001272
🤴 Roboforex is Used By: 10,000
💵 What You Can Trade with Roboforex: Forex, Minors, Majors, Exotics, Indices, Metals,
💵 Instruments Available with Roboforex: 100
📈 Roboforex Inactivity Fees: No
💰 Roboforex Withdrawal Fees: Yes
💰 Roboforex Payment Methods: Credit cards, VISA, MasterCard, JCB, Debit cards, Bank Transfer, Electronic wallets (eWallets), Neteller, Skrill, Perfect Money, AdvCash, BPAY, China UnionPay, FasaPay, CashU, WeChat Pay, ecoPayZ, AstroPay, Sofort, Giropay, Poli, Wepay, iDEAL, Payoneer,
💰 Roboforex Account Base Currencies: USD, EUR, XAU
Roboforex Risk warning : Losses can exceed deposits
AvaTrade Financial Regulation: Central Bank of Ireland, Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), South African Financial Sector Conduct Authority (FSCA), Financial Stability Board (FSB), Abu Dhabi Global Markets (ADGM), Financial Regulatory Services Authority (FRSA), British Virgin Islands Financial Services Commission (BVI)
🤴 AvaTrade is Used By: 200,000
💵 What You Can Trade with AvaTrade: Forex, Minors, Cryptocurrencies, Majors, Exotics, Indices, UK Stocks, US Stocks, Energies, Metals, Agriculturals, ETFs, IPO, Bonds,
💵 Instruments Available with AvaTrade: 1000
📈 AvaTrade Inactivity Fees: No
💰 AvaTrade Withdrawal Fees: No
💰 AvaTrade Payment Methods: Credit cards, VISA, MasterCard, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, WebMoney, Payoneer,
💰 AvaTrade Account Base Currencies: USD, GBP, EUR, JPY, AUD
AvaTrade Risk warning : 71% of retail CFD accounts lose money
FP Markets Financial Regulation: Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC), Financial Services Authority (St. Vincent and the Grenadines)
🤴 FP Markets is Used By: 10,000
💵 What You Can Trade with FP Markets: Forex, Minors, Majors, Exotics, Indices, Metals,
💵 Instruments Available with FP Markets: 100
📈 FP Markets Inactivity Fees: No
💰 FP Markets Withdrawal Fees: No
💰 FP Markets Payment Methods: Credit cards, VISA, MasterCard, Debit cards, Bank Transfer, Electronic wallets (eWallets), Neteller, BPAY, POLi, PayPal, Neteller, Skrill, PayTrust, NganLuong VN, Fasapay, Broker to Broker, OnlinePay China, Directa24, Klarna, PayTrust88, Payoneer,
💰 FP Markets Account Base Currencies: USD, GBP, EUR, CHF, JPY, SGD, AUD, CAD, HKD, NZD
FP Markets Risk warning : Losses can exceed deposits
NordFX Financial Regulation: Cyprus Securities and Exchange Commission (CySEC), License No: 209/13
🤴 NordFX is Used By: 10,000
💵 What You Can Trade with NordFX: Forex, Majors, Metals,
💵 Instruments Available with NordFX: 50
📈 NordFX Inactivity Fees: No
💰 NordFX Withdrawal Fees: No
💰 NordFX Payment Methods: Bank Transfer, Neteller, PerfectMoney, WebMoney, FasaPay, CashU, Payza, QIWI,
💰 NordFX Account Base Currencies: USD, EUR
NordFX Risk warning : Losses can exceed deposits
XTB Financial Regulation: Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comision Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG), Dubai Financial Services Authority (DFSA), Dubai International Financial Center (DIFC),Financial Sector Conduct Authority (FSCA), XTB AFRICA (PTY) LTD licensed to operate in South Africa
🤴 XTB is Used By: 250,000
💵 What You Can Trade with XTB: Forex, Minors, Cryptocurrencies, Majors, Exotics, Indices, UK Stocks, US Stocks, Pennystocks, Energies, Metals, Agriculturals, ETFs,
💵 Instruments Available with XTB: 4000
📈 XTB Inactivity Fees: Yes
💰 XTB Withdrawal Fees: No
💰 XTB Payment Methods: Credit cards, MasterCard, Maestro, Visa, Debit cards, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, Skrill, Poli, Paysafe, Payoneer,
💰 XTB Account Base Currencies: USD, GBP, EUR
XTB Risk warning : 76% - 83% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Pepperstone Financial Regulation: Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC), Federal Financial Supervisory Authority (BaFin), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of the Bahamas (SCB) number SIA-F217
🤴 Pepperstone is Used By: 89,000
💵 What You Can Trade with Pepperstone: Forex, Minors, Cryptocurrencies, Majors, Exotics, Indices, Energies, Metals,
💵 Instruments Available with Pepperstone: 100
📈 Pepperstone Inactivity Fees: Yes
💰 Pepperstone Withdrawal Fees: No
💰 Pepperstone Payment Methods: Credit cards, VISA, MasterCard, Debit cards, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, BPAY, POLi, UnionPay, FasaPay, QIWI, Payoneer,
💰 Pepperstone Account Base Currencies: USD, GBP, EUR, CHF, JPY, SGD, AUD, CAD, NZD, HKD
Pepperstone Risk warning : CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money
XM Financial Regulation: Financial Services Commission (FSC), Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC)
🤴 XM is Used By: 10,000,000
💵 What You Can Trade with XM: Forex, Stock CFDs, Commodity CFDs, Minors, Majors, Exotics, Equity Indices CFD, Energies CFD, Precious Metals
💵 Instruments Available with XM: 1000
📈 XM Inactivity Fees: Yes
💰 XM Withdrawal Fees: No
💰 XM Payment Methods: Credit cards, Debit cards, Bank Transfer, Electronic wallets (eWallets), Moneta, ABAQOOS, PRZELEWY24, Neteller, PerfectMoney, WebMoney, UnionPay, FasaPay, CashU, Payza, QIWI, SOFORT, Giropay, Payoneer, Skrill,
💰 XM Account Base Currencies:
XM Risk warning : CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77.74% of retail investor
accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford
to take the high risk of losing your money.
eToro Financial Regulation: Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), Markets In Financial Instruments Directive (MiFID), Australian Securities and Investments Commission (ASIC)
🤴 eToro is Used By: 20,000,000
💵 What You Can Trade with eToro: Forex, Minors, Cryptocurrencies, Majors, Exotics, Indices, UK Stocks, US Stocks, Energies, Metals, Agriculturals, ETFs,
💵 Instruments Available with eToro: 2000
📈 eToro Inactivity Fees: Yes
💰 eToro Withdrawal Fees: Yes
💰 eToro Payment Methods: Credit cards, VISA, MasterCard, Maestro, Debit Cards, Bank Transfer, PayPal, Neteller, Skrill, WebMoney, Giropay, eWallets,
💰 eToro Account Base Currencies: USD
eToro Risk warning : 51% of retail investor accounts lose money when trading CFDs with this provider.
FXPrimus Financial Regulation: Cyprus Securities and Exchange Commission (CySEC), Markets In Financial Instruments Directive (MiFID), Vanuatu Financial Services Commission (VFSC)
🤴 FXPrimus is Used By: 10,000
💵 What You Can Trade with FXPrimus: Forex, Minors, Majors, Exotics, Indices, UK Stocks, US Stocks, Energies, Metals,
💵 Instruments Available with FXPrimus: 130
📈 FXPrimus Inactivity Fees: No
💰 FXPrimus Withdrawal Fees: Varies
💰 FXPrimus Payment Methods: Credit cards, VISA, MasterCard, Debit cards, Bank Transfer, Electronic wallets (eWallets), Neteller, Skrill, Payoneer, SafeCharge, TrustPay, EmerchantPay, Bitcoin, UnionPay, FasaPay, Giropay,
💰 FXPrimus Account Base Currencies: USD, GBP, EUR, SGD, PLN
FXPrimus Risk warning : Losses can exceed deposits
easyMarkets Financial Regulation: Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), British Virgin Islands Financial Services Commission (BVI)
🤴 easyMarkets is Used By: 142,500
💵 What You Can Trade with easyMarkets: Forex, Minors, Cryptocurrencies, Majors, Exotics, Indices, Energies, Metals, Agriculturals, Options,
💵 Instruments Available with easyMarkets: 200
📈 easyMarkets Inactivity Fees: No
💰 easyMarkets Withdrawal Fees: No
💰 easyMarkets Payment Methods: Credit cards, MasterCard, Maestro, American Express, JCB, Astropay, Debit cards, Bank Transfer, SOFORT, GiroPay, iDeal, Bpay, Electronic wallets (eWallets), Skrill, Neteller, WebMoney, UnionPay, WeChatPay, FasaPay, STICPAY,
💰 easyMarkets Account Base Currencies: USD, GBP, EUR, CHF, JPY, SGD, AUD, CAD, CNY, CZK, HKD, ILS, MXN, NOK, NZD, PLN, SEK, TRY, ZAR
easyMarkets Risk warning : Your capital is at risk
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