function writeGlossary() {
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			document.write ('<p>A | <a href="#B">B</a> | <a href="#C">C</a> | D | <a href="#E">E</a> | <a href="#F">F</a> | <a href="#G">G</a> | H | <a href="#I">I</a> | <a href="#J">J</a> | <a href="#K">K</a> | L | M | N | O | <a href="#P">P</a> | Q | <a href="#R">R</a> | <a href="#S">S</a> | T | <a href="#U">U</a> | V | XYZ</p>')

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			document.write ('<a name="B"></a>')
			document.write ('<p><span class="wordTitle">Balanced Scorecard:</span> <span class="wordDescription">an analysis technique designed to translate an organization\'s mission statement and overall business strategy into specific, quantifiable goals and to monitor the organization\'s performance in terms of achieving them. The approach combines financial and non-financial objectives, including financial, operational, customer and employee perspectives. Scotiabank has incorporated this methodology in its performance management approach for employees.</span></p>')
			document.write ('<p><span class="wordTitle">Bank Act:</span> <span class="wordDescription">federal legislation governing how banks operate in Canada.</span></p>')

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			document.write ('<p><span class="wordTitle">Canada Labour Code:</span> <span class="wordDescription">an act of Canadian Parliament regulating labour in Canada, including standards for fair and equitable working conditions and occupational health and safety for several industries, including chartered banks.</span></p>')
			document.write ('<p><span class="wordTitle">Canadian Human Rights Act:</span> <span class="wordDescription">a law designed to ensure equal opportunity for individuals and to prevent discriminatory practices based on a set of prohibited grounds, such as gender, disability or religion.</span></p>')
			document.write ('<p><span class="wordTitle">Carbon Disclosure Project:</span> <span class="wordDescription">an initiative for institutional investor collaboration on climate change, which aims to inform investors of the significant risks and opportunities presented by climate change to the FT500 companies, and to inform company management of the serious concerns of their shareholders regarding the impact of climate change on company value.</span></p>')
			document.write ('<p><span class="wordTitle">Carbon Footprint:</span> <span class="wordDescription">is a measure of the total amount of carbon dioxide emissions that is directly and indirectly caused by an activity or is accumulated over the life stages of a product. It is intended to help individuals and organizations to conceptualize their impact in contributing to global warming.</span></p>')
			document.write ('<p><span class="wordTitle">Clean Development Mechanism (CDM):</span> <span class="wordDescription">a mechanism provided by Article 12 of the Kyoto Protocol, designed to assist developing countries in achieving sustainable development by permitting industrialized countries to finance projects for reducing greenhouse gas emissions in developing countries, and to receive credit for doing so.</span></p>')
			document.write ('<p><span class="wordTitle">Customer Loyalty Index:</span> <span class="wordDescription">a key indicator of customer commitment to Scotiabank, based on results from the Bank\'s internal Through Your Customers\' Eyes&trade; customer satisfaction survey of more than 105,000 randomly selected retail banking customers each year.</span></p>')

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			document.write ('<p><span class="wordTitle">Employee Satisfaction Index:</span> <span class="wordDescription">measures the level of Scotiabank employees\' satisfaction with their immediate work environment, based on results from the Bank\'s annual ViewPoint opinion survey of its global workforce.</span></p>')
			document.write ('<p><span class="wordTitle">Employment Relationships Plan:</span> <span class="wordDescription">Scotiabank\'s plan to integrate diversity and employment equity initiatives into established business processes, including annual plans, budgets and a quarterly People Report to measure progress in each Scotiabank business line.</span></p>')
			document.write ('<p><span class="wordTitle">Equator Principles:</span> <span class="wordDescription">a set of internationally recognized, voluntary project finance guidelines that set social and environmental standards for the finance sector. They are based on World Bank and International Finance Corporation standards, and have been signed by more than 40 financial institutions around the world.</span></p>')

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			document.write ('<p><span class="wordTitle">Financial Consumer Agency of Canada (FCAC):</span> <span class="wordDescription">the Canadian regulatory agency that provides consumer education and oversees financial institutions to ensure they comply with federal consumer protection laws.</span></p>')
	
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			document.write ('<p><span class="wordTitle">Global Reporting Initiative (GRI):</span> <span class="wordDescription">an independent, not-for-profit institution that develops globally applicable sustainability reporting guidelines for voluntary use by organizations to report on the economic, environmental and social dimensions of their activities, products and services.</span></p>')
			document.write ('<p><span class="wordTitle">Greenhouse Gas Emissions (GHG):</span> <span class="wordDescription">Greenhouse gases are gaseous components of the atmosphere, created in part by human activities such as the burning of fossil fuels, which contribute to the greenhouse effect and global warming, a trend by which the earth\'s air and ocean temperatures have increased in recent decades.</span></p>')

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			document.write ('<p><span class="wordTitle">Identity Theft:</span> <span class="wordDescription">involves securing pieces of an individual\'s personal information or identification and using the information to impersonate the individual, often to commit forgery or fraud for financial gain.</span></p>')
			document.write ('<p><span class="wordTitle">International Finance Corporation (IFC):</span> <span class="wordDescription">the private sector arm of the World Bank that promotes private sector investment in developing countries. The environmental and social requirements set out in the Equator Principles are largely based on their policies.</span></p>')

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			document.write ('<p><span class="wordTitle">Joint Implementation (JI):</span> <span class="wordDescription">a mechanism provided by Article 6 of the Kyoto Protocol, whereby a country included in Annex I of the UNFCCC and the Kyoto Protocol may acquire Emission Reduction Units when it helps to finance projects that reduce net emissions in another industrialized country (including countries with economies in transition).</span></p>')
		
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			document.write ('<p><span class="wordTitle">Kyoto Protocol:</span> <span class="wordDescription">an international agreement, signed in Kyoto, Japan, in 1997, and ratified by 160 countries, including Canada. It specifies emission obligations for the Annex B countries and defines the three so-called Kyoto mechanisms: JI, CDM and emissions trading. It entered into force on February 16, 2005.</span></p>')

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			document.write ('<p><span class="wordTitle">Public Accountability Statement (PAS):</span> <span class="wordDescription">a document required by law in Canada, whereby Canadian banks and other major financial institutions must report on their contributions to Canadian society and the economy.</span></p>')
		
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			document.write ('<p><span class="wordTitle">Renewable Energy:</span> <span class="wordDescription">energy provided by natural processes that are replenished constantly, such as wind, tidal, solar, wave, geothermal, biomass, hydro and run-of-river, as well as biofuels, such as ethanol or biodiesel, by which commodities/agricultural products are converted into energy sources for transportation. Climate change concerns and diminishing fossil fuel supplies have led to increased government regulation, incentives and commercialization of renewable energy sources.</span></p>')

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			document.write ('<p><span class="wordTitle">Sarbanes-Oxley Act:</span> <span class="wordDescription">U.S. legislation passed in 2002 to strengthen corporate governance by establishing standards for all companies that trade on U.S. stock exchanges and public accounting firms.</span></p>')

			document.write ('<p><span class="wordTitle">Sustainability:</span> <span class="wordDescription">sustainable development was defined by the Brundtland Commission Report to the United Nations as development that meets the needs of the present without compromising the ability of future generations to meet their needs.</span></p>')

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			document.write ('<p><span class="wordTitle">United Nations Environmental Program Finance Initiative (UNEP FI):</span> <span class="wordDescription">a global partnership between the United Nations Environmental Program and the private financial sector whereby more than 160 financial institutions work together to identify and adopt best environmental and sustainability practices within their operations. <a href="http://www.unepfi.org" target="_blank">www.unepfi.org</a></span></p>')

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}