To Whom It May Concernis a general way to address correspondence to a recipient whose name is unknown. It's a formal choice of words that hasn't dated well and comes off as impersonal, tired, and potentially irate or desperate. To Whom It May Concernhas been around so long that is has...
Is it true that implicit communication is more informal and not worried about grammar? What part of speech is whereas? What part of speech is the word ennui? What is a pertinent question? What does interrogative mean? Should best regards be capitalized?
Although these financial markets are being presented as an alternative to commercial banking, there is no reason that a commercial bank would be unable to participate in securities markets as either a buyer or a seller (although in some cases it may be unlawful to do so). Loans to the gover...