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the front and/or sides; the sleeves are threaded through these to prevent the arms from being raised over the head. Class II games are not so nearly regulated by the state. Slot machines in Australia are generally referred to as "video poker", "poker machines" or "pokies", but are officially termed Gaming Machines. Over the past decade, global insurance premiums rose by more than a half as annual growth fluctuated between 2 percent and 10 percent.[citation needed] Advanced economies account for the bulk of global insurance. Certain responses or information received may merit further investigation. It takes time and resources to perform the analysis, which constitutes a burden without value where risk transfer is reasonably self-evident. Guidance exists for insurers and reinsurers, whose CEO's and CFO's attest annually as to the reinsurance agreements their firms undertake. Therefore, risk management covers several areas that are vital for the BCP process