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The financial sector is one of the fastest growing and changing sectors in the world. Financial institutions manage funds, invest or manage assets and shares, provide leasing services and loans, manage loan offices and provide financial advice. Almost all people come into contact with financial institutions, for example by using a current account, depositing money or collecting a pension, applying for a bank loan to buy a home, a car, etc. Statistics on credit institutions, payment and settlement systems, savings and loan associations and leasing enterprises are collected and published by

Each person in Estonia has the right to live in a healthy environment and make healthy choices. The healthier we are, the longer we lead fulfilling lives and the greater is our life expectancy. Health has a significant impact on coping with everyday life, on the social and economic contribution to a country’s development and overall success of a country. In 1948, the World Health Organization defined ‘health’ as “a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity”. According to the Constitution of Estonia, protection of one’s health is