ФИНАНСОВЫЕ ИНСТИТУТЫ — коммерческие учреждения,осуществляющие финансовые операции(банки,страховые компании,инвестиционные компании,пенсионные фонды)
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Granny beads are what they're called when a grandma works the garden all day - you always see them - they have a handkerchief around their neck with a lot of dust on them, and then the sweat will go down and make these black beads of sweat and dirt around their neck. And that's what they call granny beads.
The chance of any species reaching and then surviving on an island as distant as one of the Hawaiian chain is infinitesimal, but despite the extraordinary odds, plants and seeds found their way ashore, carried by the tide or blown by trade winds, inside birds or in their feathers, in the branches of trees and in the jetsam of sunken ships.