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72 73 PUERTO RICO www.bdopr.com BDO delivers assurance, tax, financial, and business advisory services to clients throughout the country and around the globe. We offer numerous industry-specific practices, world-class resources, and an unparalleled commitment to meeting our clients’ needs. BDO brings world-class resources and exceptional service to each and every one of our clients. BDO Puerto Rico/USVI is a member of BDO International, the world’s fifth largest accounting and consulting network. Exceptional client service, without exception. Audit and Assurance Tax Services Advisory In a rapidly evolving business and regulatory environment, the right guidance is more important than ever. BDO serves clients across the country and around the world as they navigate an increasingly complex tax landscape. BDO Advisory provides high-level strate- gic guidance to clients when the stakes - and the scrutiny - are highest. PUERTO RICO www.bdopr.com For the last several years, retail and con- sumer product companies have competed in a rapidly evolving industry. International expansion, M&A, e-commerce, cybersecu- rity concerns, and changes in the supply chain have companies transforming their operations and business models to keep up with the latest developments. BDO’s Financial Services Practice draws on deep industry experience to help cli- ents navigate a changing and highly com- petitive industry. Our professionals deliver audit, tax, and advisory services to a wide range of financial institutions, asset man- agers, broker dealers, and insurance com- panies. We provide a uniquely comprehensive and integrated suite of tax, assurance, and advisory services designed to ensure our clients remain compliant and successful. LOCKHART COMPANIES INC. the insurancecompanybeing what it is,intermsof the revenue streamfor theorganization,this seems tobe the lions share right now.” Sprauve iscautiouslyoptimistic about the future.“Likeevery- oneelseweare thinkingabout theeconomy,”hesays,“andthe Caribbean isastepbackfromthe restof theworld intermsofwhat happenswiththeeconomy.We areaU.S.territorysothe things thathappen inAmericaaffectus, just sometimeswithadelayed effect.So,basically,we trytostrate- gizeaswedealwiththedipsand curvesof theeconomy.Wehope