Mercer, Lærernes Pension, Generali, BMO, Notariaat, BNP Paribas, Buck Consultants, Aon, LPP, Candriam, State Street. : Many people start their new year with diets, exercise, or perhaps a dose of self-help. Bookshops are well stocked with guides to better working, living, thinking, sleeping and even breathing. No wonder the discussion of trade is in such a tangle. The terminology around the subject is almost designed to cause confusion.