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domain: hobby


VALLEY FORGE, Pa. (AP) -- Prescription drug distributor AmerisourceBergen Corp. said Monday that Chief Financial Officer Michael DiCandilo left the company to pursue other interests.
The company said DiCandilo, 51, resigned effective immediately. Corporate Controller Tim Guttman will be its acting CFO. AmerisourceBergen said it has hired an executive search firm to help select a permanent replacement for DiCandilo, who had had been its CFO for since March 2002 and worked at AmerisourceBergen for 21 years.
Citi Investment Research analyst George Hill said the timing of the departure is "somewhat concerning," and added he thinks new CEO Steve Collis is installing his own management team. Collis became CEO of AmerisourceBergen in July.
The company also backed its profit outlook for the current fiscal year. AmerisourceBergen expects to earn between $2.74 and $2.84 per share for the 12 month-period ending in March. Analysts surveyed by FactSet are forecasting $2.81 per share, on average.
Shares of AmerisourceBergen fell $1.50, or 3.9 percent, to $37.10 in afternoon trading. Over the past year, shares have traded between $34.33 and $43.47.


Thanks again for putting these awesome cards together! I seem to be having some weird problems with my card and was hoping you could help. It seemed to be working perfectly the first few times I used it, but I’d occasionally get no MIDI signal being received by my SC-55ST (no red flashing light). Rebooting would usually fix it at the beginning. I thought it may have just been a resource conflict with my PAS16 initially since disabling the MPU via software was a bit flaky at times.
Unfortunately, the issue has gotten worse and worse, and now I can’t get a MIDI signal even with everything removed from the system (just a VGA card and the MIDI card). I tried it in two early Pentium systems as well as a fast 486 and the same behaviour happens every time. I’ve disabled all serial/parallel ports in the BIOS, tried different IRQs and port 300, but none of that seems to help.
Launching MQDIAG.EXE *usually* detects the card just fine at the correct IRQ and port, but there have been a few times where it doesn’t detect it. It shows it on IRQ9 when IRQ2 is selected, but I suspect that’s normal since IRQ2 is a cascade interrupt.
I swapped MIDI cables just in case, but that didn’t help. I also tried to use the MPU-401 on a regular sound card to make sure it wasn’t my SC-55ST, but it works fine. The only other thing I can think of is that the orange 3.5mm jack has a problem. I was going to try to hack together a DB9 connector to try MIDI out that way. I will also try a much older 486 system just in case.
It feels like a hardware problem to me, but do you have any other suggestions of things that I could try?
Thanks in advance!


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Former Jammu and Kashmir chief minister Dr Farooq Abdullah has made a sensational claim at the launch event of Barkha Dutt’s book ‘This Unquiet Land: Stories From India’s Fault Lines.’
He said that former Prime Minister Atal Bihari Vajpayee was ready to make the Line of Control, a permanent border and had in fact offered this solution to Pakistan during his visit to Lahore in 1999.
Abdullah challenged the elite audience (comprising of prominent persons from politics, media and bureaucracy) either to suggest a solution to Kashmir issue or agree with his views that calls for PoK with Pakistan and Jammu and Kashmir with India.
Abdullah also praised Prime Minister Narendra Modi for engaging with Pakistan once again.
The Abdullah family has ruled the Jammu and Kashmir state intermittently after 1947.
Senior Congress leader Digvijaya Singh, Vikram seth, Jjaved Akther and Shabana Azmi were among the prominent personalities who attended the event.
Meanwhile, an FIR has been registered against the former J&K chief minister for his statement over his recent remarks that allegedly insulted the Indian Army.
Local lawyer Thakur Chandan Kumar has filed a case against Abdullah over the statement, which he felt insulted the Indian Army and violated the constitution.
The court of the chief judicial magistrate in Sitamarhi district (Bihar), after hearing the case, ordered that an FIR be filed against Abdullah in Dumri police station.
When pressed to clarify his stand, Abdullah said: “I have been saying for years that (PoK) is a part of India. But what did you do? Did you take it as a part of India?”
The former Jammu and Kashmir chief minister also said: “War is not the solution, only lives are lost. Dialogue is the only option.” His comment drew sharp reactions.

domain: news


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July 27, 2011
Legislation of a debt ceiling does not absolve the US from its obligations.
UPDATE: The 14th Amendment of the Constitution clearly states that Congress must not default on its obligations.
While the USA frantically tried to save the world with a nuclear arsenal they could never use and military overspending on wars that did no good, we see the East’s rise to financial domination by engaging huge numbers of lowly paid workers to export in a way that nobody was able to compete with. If you want something manufactured, get it done in China has been the wisdom of the past 60 years. Market forces!
The agenda of the lever pullers seems to be to froce the USA to default and evade repayment. By making it effectively illegal for the USA to meet its obligations, the USA will have to default. The net effect of the USA not borrowing any more is being described in philosophic terms – what would the result be?
I think the answer to that not yet knowable. But certainly creditor nations will invest elsewhere and perhaps it will be the final straw that breaks US economic hegemony. Time for a new deal?
If Obama was to be effective, he needed the Democratic support in his first two years. Sad that they fiddled while the midterm elections were lost. Back to American isolations, anyone?
July 25, 2011
The Republican “end game” would be everything owned by big corporations not necessarily aligned with nations as entities but freely enriching shareholders from anywhere avoiding tax as their earnings are processed where there are no taxes.
If these mega corporations are able to employ everyone for a pittance then we are buying into a return to slavery.
Is this essentially the same model that makes China appear successful? Enslavement of the majority for the benefit of the few. The problem with the Republican End Game is the loss of what America is – the most rewarding economy for invention. As these corporations become less answerable to Government, they become more able to break the covenant of fairness. The Murdoch empire is a case in point. A corporation which supported a culture of law breaking that believed it could do this with impunity, which it did for twenty years before a single case sharpened public revulsion with the practice. That is what democracy does, it pitches the majority against the business interest and belief of an individual who learns that the end justifies the means time and again.
Democracy allows for peaceful revolution. An absence of democratic principles as in the case of Libya demands more severe responses. The essential problem here is a duality where both sides are destructive to each other. A unified system that causes progress according to long term principles appears have delivered stable growth in China for the last 3 decades by enforcing cheap exports to the world while the West has been experimenting with Freedman’s economics, gambling as though it were an addict. When cronyism and corruption abide, and capital exists only for its own maintenance, there are economic distortions that will result in disasters.
The West can rescue itself by very progressive and specific Government spending on the correct programmes. Education for all, being the most important. Obama decided to invest in rescuing mortgages and jobs but with poor returns. The Republicans want to reduce taxes and spending and leave America a first world city state in a third world country.
See also: Huffington Post
July 7, 2011
Communism is dead! Capitalism is killing itself, rapidly. We need a better system: maybe Competalism*?
The Agora of the Competalists is documented from 250BC:
The Competialists were freedmen and slaves of Italian descent who took their name from the annual Roman festival of the Lares Compitales, the gods of the crossroads. The agora that bears their name was built in the 2nd century BC, and the offertory box decorated with snakes dates to c. 150 BC. The Stoa of Philip was dedicated to Apollo by Philip V of Macedon c. 210 BC.
Citation/References: Bruneau, P. and Ducat, J. Guide de Delos (Paris: Ecole Francais d’Athenes, 1965).
- The Competalist believes that all economic actions benefit by competing with others, without the destruction of ideas but the fostering of ideas in discussion and examinations of truth or utility.
- It is true that competence is derived from training and education. When two similar forces compete, there is clearly going to be a winner and a loser – the loser being the one that wins less or does not survive the battle of wits.
- Competition is the crossroads of success and competence building.
- A failure of competence is not a sign of weakness, indeed the preservation of truth does not imply that other less successful truths may have value in a complex world or at a future date. It means that another force, has been able to adapt to the present circumstances and those that trained them in this competence should now be able to train the loser.
- Weakness is giving up, not contributing, doing less to survive than is done for you. Those who made this their practise shall be considered to be criminal or negligent or both. They shall bear greater pressure on taxation.
- The state is the collective might of captial. Those with more must invest it to make those in whom they rely upon for competence more able to pay their own way.
- Slavery is a crime.
July 5, 2011
Greece and Portugal can sell their gold reserves, the price is very high and that fuels speculation. By putting their gold onto the market gradually, they can keep up with loan repayments. Government spending is necessary during a recession or businesses could change their behaviour. Like paying taxes. Like buying gold reserves and opening offices in countries like Greece.
The rise of the global corporate has enabled cross border legal theft of taxes from the economies of many countries. Is this a pressure from the one-world-government Bilderberg conference confirming years of conjecture by “conspiracy theorists”? Or is the intent to create corporations that exist outside the rule of law? What will stop them becoming feral when even under the auspices of the US government, we had rife corporate misdealings such as Enron and MCI who falsified accounting information to keep share prices suspended higher than they should have been, attracting investment they basically ended up wasting. Or Lehman Brothers who made very irrational decisions with bound to fail one day securitization deals. Corporate theft by Bernie Maddoff happening right under the collective noses of law enforcement, the Inland Revenue Service, the banks and Wall Street.
What if a multi trillion global corporation falls into the hands of corruption? How will that damage every nation states’ progress and growth? Or is that already happening – for example who is motivated to write thousands of computer viruses? Corporate criminals would have the skills. The Mafia probably do not. The West (and Google) point fingers at the Chinese Government. Corporations are more likely to gain from harming their competitors. Is there a war between China and the West? Not really, no. No evidence of that, but are there corporations who have proven they are not to be trusted? Lots.
So instead of regulating the high flyers to merely protect the public from expedential uninsurable risk they pose, why not regulate corporations at the international level to make them more responsible to trade balances and the well being of all?
Why not give the very largest corporations humanitarian projects and social responsibility?
America can get out of debt tomorrow. How? By selling its corporations.
July 3, 2011
While the rich executives of bailed out banks get enormously richer they are laying off staff the bank can not afford to keep. The award of ridiculously huge bonuses is justified by a government scared that these talented market manipulators will go and work overseas. The lack of any real wage growth for the broad middle class is a festering sore on the economic fortunes of the world. If the only customers that can afford your product are 0.5% of the economy then you had better be selling a very high priced item. This creates a scarcity of reasonably priced items when there are increasing numbers of middle class debtors who both owe and now own the banks.
It is a stupid economy. It is not improving the lives of the many, it is rewarding greed and extraordinary indulgence by those who believe they deserve wealth because of manipulations of the market and capital. The result of this free market economy is massive capital flows, debt leveraged and re-leveraged into Government securities and the economic imbalances inflicted upon the East by the West is being replayed back. This is the action of a highly organised Politburo that has longevity of planning over the power of a Western democracy that changes direction and elects officials without sufficient economic acumen to understand the long term risks of excessive debt to one’s very currency, fully expecting that an assumed survival of the fittest aspect of nature will win against careful management for economic survival and economic growth on a scale that is bound to eclipse the West sometime sooner than the West thought possible.
Economics is not a science of certainties. It is the art of fluid dynamics in maybe eight dimensions with all sorts of constraints and purposeful transfers of capital liquidity. It is no longer practical to lug pounds of gold across hallways as there is more money than there is security. If a massive default were to occur, with America owing the rest of the world trillions, world trade could cease up for many countries reliant upon American trade as a major market. The international depression that would follow would mean China could never be repaid. So what would that mean, exactly?
It would mean the wholesale takeover of American assets by people who do not live in America, exploiting Americans who are hungry for jobs. When the public sector is reduced to a slither of its former self in the UK, we could be similarly vulnerable, which is why the conservatives decided they would deconstruct government spending in a hurry, so that what assets the British had left, business and property wise, would remain in British hands.
But instead of that result we see a fear that bankers will go to richer pastures and huge bonuses going to many investment capitalists (including those who caused the vacuum that keeps current capital in a collapsed state). Why does someone need to be paid tens of millions of pounds?
Is it because the Government believes that investment capitalists will naturally more likely invest this capital into British companies than the middle classes would with all that Government spending supporting future generations and universal health.
Economic growth follows if you make children into employable well educated adults. A system that does not ensure mobility is less likely to allow for any real growth. Increasing the presence of excessive capital into property or shares creates a bubble that may attract foreign exchange but real value is transferred by people making things work.
Government Spending is the buffer that allows growth after a recession because all the supportive structures have not been neglected. The next generation is prepared to take the reigns.
March 8, 2009
The fundamental of the economy of any country is that it’s people are doing something productive, and for that they can eke out a living, whether it be a basic or a more expensive variety – the function they are being rewarded for is difference, change, something as a result of their actions.
July 9, 2008
and how to avoid it
Is the world falling into some kind of recession? That is when growth starts to subside and things economically suck, but if one understands it right, then what it is seen as is the loss of confidence based on property ownership – a line of credit was generally loosened up for billions of home owners, a culture of being able to borrow against one’s mortgage increased leveraging and the profits were handsome so the banks continued to go further.
The tragedies that underlie sub-prime + the oil hunger – a direct consequence of the Iraq war + lack of real progress with the nuclear question = potential for another Depression. It is not just that bills will not get paid, it is that assets will lose their value, nobody will buy things and prices will start to fall. If that fall accelerates – the potential for severe economic storms becomes more likely.
The authority carried by Security Council decree against a country, especially one of its nuclear capable members, may help guide us from disaster. The only thing that makes “nuclear weapons” necessary is other nuclear weapons. What real point is there in having nuclear weapons? To conquer any chance of threat in case of unpredictable behaviour. After all humans have their finger on the button. The USSR had Breshnev. America has Bush. Both caused recession.
Both also fought with Afghanistan. Not that fighting Afghanistan has been the problem for America – but because they did not provide their full ferocity to win the war in Afghanistan with commitment, they still are at war with malign forces.
Sorry, Osama bin Laden, it is hard to admire a person who promotes the death of innocents. It was not bin Laden that alerted the world to George Bush’s America. Osama bin Laden is not doing the work of God. It is not definite that he is not working for his homeland.
Neither is the US military incursion into Iraq, although by doing that and by not wiping out the Taleban, and at the same time efforts to quell appear to be fanning the flames of nuclear trouble with Iran, well – one can only imagine the end game.
The Office of President is not being attacked by Congress because it is “at war”. That is all keeping Bush and Cheney in office till February 2009.
To bring charges against Bush or Cheney would require that they depart office or end the state of war, and a pardon from their successor, whomever wins is all it takes to bury this sad chapter.
But the extraction of trillions of dollars from the US economy by chiefly OPEC countries, well. How many trillions has Saudi directly cost the US?
I think that the high oil prices are a direct result of the US uncovering its own lack of ruthlessness in war allowing a relatively degraded enemy to survive. Now the Arab nations smell nuclear technology within reach, and the confidence they now have in bargaining power seems the new reality.
Is the international recession in fact a deliberate plot to vacuum wealth out of US hands and into the hands of Arabia? The underlying economic war is far more serious because of sub-prime and the loss of confidence and money from a system growing on increasingly thin vapour.
A belief that the source of economic difficulties are “asset related” but providing free housing to the poor has been found to be an unsustainable activity of the US Government – is another way to put it.
It appears to be the problem, but it is the oil shock that will change economies the world over. Unless Bush can win his wars real soon now, and instantly restore confidence in the unassailability of the USA, the rest of the world will not start trembling has they now have been given the lever it needs to even the economic stakes.
Perhaps the only way to stop the spread of the Taleban cult or the Al Qaeda insanity is for taxes to increase for the wealthy, the US to pay its debts and stop living so ridiculously beyond its means.
November 8, 2007
Instant public perception reveals the turkey – but sometimes not before thousands have thrown millions at it. Too much property investment capital inevitably results in sales that get reversed. Too many mortgagee sales depresses prices. Declining prices could become deflation. That would cause massive problems.What flooding the market with low value dollars has done is cheapen the US economy. Hence the foolhardy effort to get everyone on the mortgage train we now insidiously refer to as sub-Prime. No-one is talking about how many citizens are losing their homes in the USA as a result of Bush indifference to the needs of real people. It has provided the grass roots market players with a sense of uselessness – or irrelevance. What we hear about is how investors are losing their punts in these non-productive organs of real estate wheel greasing. How many cents in the dollar they can expect. It is a damning and sad story but not half as hard as the young couple expecting who suddenly lose their house and entire life structure. Not to mention to effect on the overall health of the USA economy. How are they going to make productive lives for themselves now? Some one please tell me how this is a good result of the Bush tax massacre? Go on – go to the Discussion site and lecture me on the merits of running huge deficits to fight a war that has little economic benefit but heavy costs. Where is the beef?
August 4, 2007
Economic sustainability does not require endless growth of humanity. Should we continue to accept that greed as prime motivator of capitalistic instincts is actually “civilising”?
Locking up the rich and famous into gated virtual worlds makes a lot of sense. If they can not win the hearts and minds of the unrewarded/uncivilised – then the wealthy can at least hide from them.
The reason housing estates became ghettos is the lack of any economic rationale to improve them. The 21st century mega tower must be self contained as that provides an internal economy. Add solar panels and we are seeing a model of energy sustainability.
Upward expansion is also limited but the ability to control environmental impact with an economic impetus to maintain it makes a whole lot of sense. A housing estate that could maintain its own medical facility, other common facilities, common security and agreed rules is a small village.
If we stop growing, towering communities becomes a logical way to withdraw our footprint on nature.
August 3, 2007Al Gore may be right that ultimately it is up to every individual to believe that change is possible, in order that politically we choose leaders who advance progress in priority to growth. On the 07/07/2007 we all swung away from unrestrained capitalism as the only panacea necessary to allow us to thrive in harmony most successfully. It is really only the political consideration that matters, for, ultimately we may care how many plastic bags make poisonous pits out of landfills but that does not stop the factory down the road from making the local river murky and lifeless. It has only been political change that has allowed us to control our impact upon the environment. And for America this provides an alternative impetus for progress. What is progress? It is invention, finding a better way to do it. And these days cleaner and environmentally friendly is going to become something as important and enforceable as any other law. US Industry is growing at 1% per annum. It is already a substantial contributor to global warming because it requires so much energy. If we draw the energy from burning coal, as seems “politically realistic” it will be with advantages in air filtration and clean burning technologies that do not emit excessive CO2 or other gases that poison the environment. Understanding the problem is hard enough for the scientific community so one can not expect political change unless the addiction to growth is not curbed. Political change needs to encompass stronger motivations for choosing to advance the case for free power generation using large batteries of wind farms. Taking the energy from the air seems logical as a counter measure to climate change. Scientific analysis of this effect may well prove important if the religion of growth is continued. Our climate is like the Earth’s circulatory system. We got to learn to stop screwing with it to get our energy. Free passive energy can obtained with solar cells. If every rooftop in America was covered with power generating solar cells, power would be free. If the environmental cost was assessed and taxed to every business in the world, we could make progress to ensure our safety. It is political for the same reason that it would be very hard to stop someone competing in a race, for example, after they had prepared for it. You would have to have a very good reason. The most convincing commercial argument to prevent climate change is that there is rather a lot of money to be made.

domain: finance


text:
Author:William Lloyd (1627-1717)
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For authors with similar names, see Author:William Lloyd.
- The Late Apology [by Roger Palmer, earl of Castlemaine, and Robert Pugh] in behalf of the Papists, reprinted and answered in behalf of the Royallists (1667) (anon.)
- A Seasonable Discourse, shewing the Necessity of Maintaining the Established Religion in opposition to Popery (1673) (anon.)
- A Reasonable Defence of the Seasonable Discourse, shewing the Necessity of Maintaining the Established Religion in opposition to Popery. Or, a Reply to a Treatise [by Roger Palmer, earl of Castlemaine, printed at Antwerp, 1673], called A Full Answer and Confutation of a Scandalous Pamphlet, &c. (1674) (anon.)
- The Difference between the Church and Court of Rome considered; in some Reflections on a Dialogue entituled A Conference between two Protestants and a Papist. By the author of the late “Seasonable Discourse” (1674)
- Papists no Catholicks: and Popery no Christianity (1677) (anon.)
- Considerations touching the True Way to suppress Popery in this Kingdom; by making a Distinction between men of loyal and disloyal Principles in that Communion. On occasion whereof is inserted an Historical Account of the Reformation here in England (London) (anon.)
- An Alarme for Sinners, &c. (1679)
- An Historical Account of Church Government, as it was in Great Britain and Ireland, when they first received the Christian Religion (1684)
- An Answer to the Bishop of Oxford's Reasons for abrogating the Test impos'd on all Members of Parliament anno 1678, Octob. 30 … By a Person of Quality (1688)
- A Letter to Dr. Sherlock, in vindication of that part of Josephus's History which gives an account of Iaddus the high-priest's submitting to Alexander the Great while Darius was living. Against the Answer to the piece intituled Obedience and Submission to the Present Government (1691) (anon.)
- A Discourse of God's ways of disposing of Kingdoms [on Psalm lxxv. 6, 7],’ part i. (1691)
- The Pretences of the French Invasion examined, for the information of the People of England (1692) (anon.)
- A Chronological Account of the Life of Pythagoras, and of other Famous Men his Contemporaries. With an Epistle to … Dr. Bentley about Porphyry's and Iamblichus's Lives of Pythagoras (1699)
Works about Lioyd
- "Lloyd, William (1627-1717)," in Dictionary of National Biography, 1885-1900, London: Smith, Elder, & Co. (1885–1900) in 63 vols.
- "Lloyd, William," in Encyclopædia Britannica (11th ed., 1911)
Some or all works by this author were published before January 1, 1928, and are in the public domain worldwide because the author died at least 100 years ago. Translations or editions published later may be copyrighted. Posthumous works may be copyrighted based on how long they have been published in certain countries and areas.

domain: history


text:
FORT COVINGTON - Representatives from Utica-based March Associates Architects and Planners, P.C., presented the scope of the second phase of the Salmon River Central School Districts capital project to the board of education on Monday night.
March Associates owner Christopher J. Crolius said the total cost has yet to be determined and budgets at this time are preliminary.
This is kind of a work-in-progress, he told the board. Were advancing ideas and revising them with staff.
He showed a 16-item table to the board showing proposed construction costs, of which six items total was listed as TBD (to be determined). The six items included classroom and corridor renovations, expanded bus and maintenance bays, heating/ventilation/air conditioning (HVAC), fašade upgrades, electrical upgrades, contingency spending and the total price tag.
Of the 10 items that did have a preliminary price tag, the total was $20,730,000.
Mr. Crolius also showed a preliminary table of incidental costs, which he again emphasized was preliminary and could easily change. Items under that category include design fees, utility costs, and construction management costs. Furniture and equipment, legal and bonding services, and the total price tag were listed as TBD.
The incidental items that had an estimated cost was totalled $7,125,000.
Some of the projects main points include turning the high school gym into a two-level structure, which will include an elevated walking track and fitness center that will be available for community use.
Im encouraged about the possibility of a fitness center, Salmon River Elementary Principal Kevin Walbridge said. Were obsolete in the area of fitness – our athletes are suffering.
Other renovations will include gutting and restructuring the elementary school. In the wake of the Newtown, Conn. school shooting, project planners are looking at having offices in the front and classrooms in the back. The project would also add a check-in system, where a visitor would come into a vestibule through one set of doors, sign in with an official, and then be buzzed through a locked second set of doors. The work would add an enclosed courtyard that would serve as a pre-K and kindergarten play area.
The project will also give athletes fresh facilities. March Associates is proposing adding a baseball diamond with seating for 100 and a soccer/lacrosse field with seating for 300. Track and field participants will be able to enjoy a new discus and shot put area.
Superintendent of Schools Jane Collins laid out the following timeline for the projects second phase:
■ Jan. 28: The board will vote on the projects scope and also discuss the projects school tax impact.
■ Feb. 1: A legal notice will appear of the March 19 public referendum to accept or deny the project.
■ Feb. 14: Postcards will be mailed to taxpayers giving highlights of the projects new phase.
■ Feb. 25: The board will hold a public meeting regarding the project.
■ March 8: The board will hold a second public meeting regarding the project.
■ March 12 through 18: More postcards will be mailed along with public service announcements.
■ March 19: The project will be put to a referendum vote.
If the project passes the vote, the design phase will begin. Crolius said the design should be submitted to the state Department of Education by early winter of this year, work should start in the spring of next year, and should be completed by the fall of 2015.


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text: So far, Carrie Anne is happy with all the contestants. She talks about who surprised and disappointed her Monday night. She is the most impressed with the “men” this year. She also discusses her dance drama “State Of Grace”. They are making the pilot and hoping it will be approved for a series soon. I hope it’s approved. I can’t wait to watch Erik Roberts in his role.

domain: artistic


In today’s world where massive data breaches occur on what can seem like a daily basis, no company or individual is safe. Equifax, Facebook, Target, and Verizon are just some of the enormous brand names that have graced the headlines over the last few years, and with the loss of their customer’s data, so went the decades-earned trust of those same customers as well.
Yet in 2004, the Payment Card Industry Security Standards Council (PCI SSC), formed from a consortium of the five largest payment card providers—Visa, Mastercard, Discover, American Express, and JCB—made a prescient move when they decided to pool resources and create the first version of the Payment Card Industry Data Security Standard (PCI DSS). The PCI DSS is a set of twelve requirements outlining the security measures merchants must take when processing card payments, ranging from the way their networks are built, to the way they store sensitive cardholder data.
Although payment card fraud was a persistent issue during that time, companies still weren’t suffering from anywhere close to the same amount of data breaches that plague them today. By implementing the PCI DSS and requiring any merchant who accepts payment cards to abide by it, the PCI SSC took a major proactive step to protecting cardholders and ensuring businesses take security seriously.
Who Must Comply with the PCI DSS?
Simply put, any merchant who accepts card payments must comply with the PCI DSS. The standard outlines several merchant levels, which vary by the amount of transactions processed per year and have different reporting requirements. Regardless of the level the merchant falls into, however, they all must ultimately prove compliance. Learn more about PCI DSS merchant levels here.
What Happens If I Don’t Achieve Compliance?
For merchants that fail to achieve PCI DSS compliance, the card brands can choose to fine the merchant’s acquiring bank anywhere between $5000 – $100,000 per month. The acquiring banks then usually pass these fines onto the merchant. For repeated violations, the card brands may revoke the merchant’s privileges to accept payments using their cards entirely.
Benefits of PCI DSS Compliance
Even though many merchants tend to think of compliance with these twelve requirements as burdensome and expensive, they can bring about a number of benefits, from increased security, to a stronger brand reputation. We’ve compiled a list of the top benefits merchants can expect to see when they achieve PCI DSS compliance.
Reduces the Risk of a Data Breach
One of the most obvious benefits of implementing the security controls found in the PCI DSS are exactly what they were intended for: to reduce the risk of a data breach occurring. By requiring merchants to take measures such as using firewalls and encryption, and prohibiting the storage of cardholder information, not only does the organization become harder for hackers to break into, but the amount of sensitive data they could steal is reduced as well.
With cyber threats coming from every direction nowadays, it’s hard to argue with this benefit.
Helps to Avoid Fines
While the card brands can impose fines on the acquiring banks of merchants who fail to achieve PCI DSS compliance, they are not the only ones who can impose hefty penalties. Depending on where a data breach occurs and who it affects, governments can also impose fines as well. For example, the European Union’s new General Data Protection Regulation (GDPR) includes provisions for fines up to €20 million, or 4% of annual turnover, whichever is higher, when a breach occurs involving the personal data of EU citizens. This could be an eye watering amount to have to pay and could put many companies out of business. Following the requirements of the PCI DSS serves as a good baseline to prevent a high-profile data breach from occurring in the first place.
Data privacy concerns among consumers have never been higher, and for good reason. Just about everyone has been affected by a data breach at some point now, with nearly half of all Americans having their records exposed during the Equifax data breach alone. Protecting your customers’ data is not only the right thing to do, it’s a sound business decision as well. When customers feel their data is safe with you, they’ll reward you with their loyalty and can even serve as some of your best advocates by referring their friends and family.
Improves Brand Reputation
With technology breaking down traditional barriers to entry and continually equalizing the playing field among competitors, one of the strongest assets that any brand has to rely on today is their brand. Avoiding a data breach is paramount to maintaining an untarnished brand reputation and to keeping your customers’ trust. While it can be difficult, if not impossible, to quantify, an investment in security is equivalent to an investment in your brand. As the number of data breaches among large companies climb higher, consumers will vote with their wallets and do business with the brands that they trust instead, which will hopefully be yours.
Imparts a Mindset of Security
For organizations that are just beginning to address security, the PCI DSS provides an excellent place to start. The twelve requirements serve as a robust and comprehensive framework for which to examine existing security procedures, and the self-assessment exercises that each merchant must complete are a fantastic way to reflect on how improvements can be made. For larger organizations that fall into merchant level 1, the Annual Report on Compliance (AOC) that a Qualified Security Assessor (QSA) must complete acts as an important third-party check on security controls and can also further reveal any vulnerabilities that internal teams may overlook.
Serves as a Globally Accepted Standard
A small and often overlooked benefit is that the PCI DSS is one of the only truly globally accepted security frameworks. Although not officially mandated by any governmental bodies, because the big five card brands operate around the world, organizations operating internationally do not have to worry about different security standards for card processing per country. This can alleviate at least one headache, as legislation varies widely around the world. For example, even within the United States itself, all 50 states have their own unique versions of data breach notification laws.
Provides a Starting Point for Other Regulations
Governments around the world are waking up to the large-scale security threats facing companies and individuals and have begun enacting legislation to address them. The main tenets of the PCI DSS, namely requiring organizations to take measures to limit the amount of sensitive information stored, provide a great starting place to comply with other regulations. The EU GDPR requires that companies only store data that is necessary only for as long as it is needed, which will probably continue to be a common thread that pops up in other legislation in other regions as well.
Peace of Mind
Finally, knowing that your company has taken the proper security measures and achieved PCI DSS compliance can go a long way in helping you gain some peace of mind.
Achieve PCI DSS Compliance Today
If your organization operates a call or contact center and allows customers to make payments over the phone, there’s an easier way to achieve PCI DSS compliance. Cardprotect by Semafone is a DTMF masking solution, allowing for simpler, more cost-effective PCI DSS compliance. Learn more today!


text:
We thought we'd take some time out to head down to Turangi for a casual fish and see what all the fuss was about, so the car was loaded up with rods and we hit the road Friday afternoon to try and have good fishing. The weather forecast didn't bode well but we managed to get a rainy day in on The Tongariro on Saturday mucking around with the Radians and some double handers and a casual nudge donating flies to the Hine on Sunday. The Tongariro flooded out and a fairly big way overnight on Saturday so it will be interesting to see what happens over the next couple of months. All up it was a great trip, fish were caught and a couple of whiskys sampled, can't ask for much more that than.
Here's a few pics that Rene shot, as you can probably tell Matt was MVP of the trip hooking plenty of fish, landing them was another story.

domain: travel


text:
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Shop Tamarind is a women’s fashion boutique located in the heart of beautiful Wine Country in the downtown charming town of Healdsburg, Ca. A three woman collaboration, Tamarind boutique has an indiscriminate multi-cultural feel. Pulling inspiration from several different backgrounds and cultural regions. The owners of Tamarind boutique are always on the quest to provide products that are specifically curated statement pieces and products that are produced with a low impact on the eco-system. The shop is filled with hand-prepared textiles, soft leathers, timeless shapes and hand-hewn luxury jewels. This is the place to discover global up-and-coming designers with a unique edge.
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domain: design


THERE is no question that Arsenal’s trip to Bayern Munich on Wednesday could prove pivotal in Arsene Wenger’s future.An Alexis Sanchez inspired win over Hull, may have alleviated some of that pressure, but Wenger knows it’s win or bust in Munich.Bayern may not be the well oiled machine they were under Pep Guardiola, however they sit atop of the Bundesliga. Keep up to date with ALL the Champions League news, gossip, transfers and goals on our club page plus fixtures, results and live match commentary.Add to that Bayern’s two knockout phase wins over Arsenal in the 2012/13 and the 2013/14 seasons, and the German giants will be confident of success once more.Arsenal sit 10 points behind Chelsea in the Premier League. The clash with Bayern and the weekend FA Cup game against non-league Sutton United will undoubtedly define Arsenal’s season, it could also determine Arsene Wenger’s future.Here is all you need to know about the game… What is the latest Bayern Munich news?Carlo Ancelotti will continue to monitor the fitness of Jermone Boateng. The former Manchester City defender returned to training on Monday after suffering a knee problem.Who is definitely out for Bayern Munich?France international Franck Ribery will definitely miss the clash with Arsenal…. Read full this story
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What time does Bayern Munich vs Arsenal kick-off, what TV channel is game on, what is the latest team news? have 354 words, post on www.thesun.ie at February 15, 2017. This is cached page on CHUTEU. If you want remove this page, please contact us.


Broadcasters Escape NCAA Athletes' Publicity Rights Suit
Law360, Los Angeles (June 4, 2015, 10:41 PM EDT) -- A Tennessee federal judge tossed a putative class action filed by former college athletes who accused major TV broadcasters and others of profiting from unauthorized use of their names and likenesses, ruling that the plaintiffs failed to prove their case.
In granting a motion to dismiss with prejudice, U.S. District Judge Kevin H. Sharp shot down a group of 10 former student-athletes’ publicity rights claims, saying they did not pass muster under Tennessee law, a decision that also toppled the plaintiffs’ conspiracy and antitrust claims.
There is “little doubt” that top-level college football and basketball is a “big business,” Judge Sharp...
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Should you be a river, I'll race your rapids downstream. Should you be a seed, I'll dream you a vision of towering trees.
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River Friendly, River Wild
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First, There Is a River (Spirit of the River, #1)
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Defiant, nocturnal, moody, and short tempered. Though she sounds like a typical teenager, River is...
River's Escape (River's End, #2)
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Jade Ash made a promise to her dying mother, to visit her mom's childhood home in Eagle River,...
The Thames traverses the whole fabric of English society and landscape. In this book...
The River Ki
The River Ki, short and swift and broad like most Japanese rivers, flows into the sea not far south...
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A short story in the Bad Dollar Tale series. It's about a man who spends a dollar unwisely, does a...
Should You Be a River
Should you be a river, I'll race your rapids downstream. Should you be a seed, I'll...
Sometimes, if you are lucky, you find a place that has a special magic. For folksinger and...

domain: literature


text:
4 The World Financial Review
World U.S/Americas Africa Asia/China Europe Middle East
and the Future of Sustainable Finance
This article is based on the book ‘Social Banks and the Future of
Sustainable Finance’ by Olaf Weber and Sven Remer (ed.), published
by Routledge, 20111. In addition to the editors, several authors have
contributed individual chapters to this book, namely, Riccardo Milano
discusses the history of social banking, Leonardo Becchetti describes the
role that social banks could have in the economic system, Christina v.
Passavant provides valuable insights in the internal management pro-
cesses of social banks and Antje Toennis introduces gift money and
donations as a social banking product.
What is social banking?
The term ‘social banking’ is used in a very heterogeneous way. First,
since recently, the term social banking (2.0) is increasingly used to
refer to banking based on new ‘social’ media, such as the Internet and
related software. In this context, the ‘social’ part mainly comprises of
establishing a direct connection between lenders and borrowers -
without necessarily aiming for a social impact. Second, particularly
in developing countries, social banking is often understood as (sub-
sidised) government or development banking. Third, and usually also
with respect to developing countries, social banking is very com-
monly associated with microﬁnance or microcredit. Fourth, the term
is used for banks that mainly or exclusively serve socially oriented or
charitable clients. Finally, especially in the Northern hemisphere, the
term social banking is used for banks that strive for only doing busi-
ness with a “positive impact”. In this sense, ‘social banking’ often is used
interchangeably with ‘sustainable’, ‘ethical’ or ‘alternative’ banking.
For the purpose of this article, we follow this latter notion and de-
ﬁne social banking as banking that aims to have a positive impact on
people and the environment by means of banking.
Using this deﬁnition, one ﬁnds only a relatively small group of 10-
20 ‘truly’ social banks worldwide, most of which are members of the
Global Alliance for Banking on Values (GABV). This is a worldwide asso-
ciation of social banks, which describes its members as banks whose
“central mission is investment in a society that values human develop-
ment, social cohesion and responsibility for our natural environment”
(www.gabv.org). We present the members of this alliance including
their geographic origin and the size of their assets in Table I. For more
information, the interested reader might refer to the homepages of
these banks, which are also provided in Table I.
Besides the GABV, many social banks that match our deﬁnition are
also members of other associations such as the International Asso-
ciation of Social Finance Organisations (www.inaise.org), or the Eu-
ropean Federation of Ethical and Alternative Banks (www.febea.org).
Furthermore, a number of such European social banks founded the
Institute for Social Banking (ISB; www.social-banking.org), an institute
oﬀering training in the ﬁeld of social banking.
For all these banks the positive social impact comes ﬁrst in their
missions although they all acknowledge the need for ﬁnancial viabil-
ity of their activities. Thus most of the banks grow strongly in terms
of their assets, number of clients and ﬁnancial returns. Some even
achieved an increase in their assets of more than 30% per year over
the last years, while some of their ‘non-social’ peers struggled to keep
aﬂoat during the ﬁnancial crisis.
Why do we need these social banks? It is increasingly accepted
that business should not operate on the expense of but contribute to
the well-being of the community at large. With the society being ever
more conscious and informed about the behaviour of business orga-
nizations, to stay successful, business organizations will have to take
into account not only the needs and objectives of their stockholders
but also of all their other stakeholders.
Having said this, it is not surprising that even Porter and Kramer
recently published an article on creating shared value as reinvention
of capitalism in the Harvard Business Review2.
By Olaf Weber and Sven Remer
We dene social banking as banking that
aims to have a positive impact on people
and the environment by means of banking.
May - June 2011
In this context, social banking can be con-
sidered a successful example of an organiza-
tional model that not only creates economic
but also social and environmental value.
Social banks enable their depositors and in-
vestors to achieve a ﬁnancial return whilst
simultaneously channelling funds to borrow-
ers or investees who are assumed to have a
positive impact on the society. These banks
usually disclose their loan and investment
portfolio to the wider community in a very
transparent and detailed way. This provides
a sound basis for the bank’s stakeholders to
assess whether or not the banks’ core activi-
ties still meet their expectations. Thus social
banking can be seen as contributing to more
transparency and a democratization of ﬁnan-
cial and economic processes.
How did social banks develop?
Contemporary social banking stands in the
tradition of two early predecessors. On the
one hand, these were the ‘Montes di Pietá’, an
early type of social bank initiated by religious
orders of the Dominicans and Franciscans
in 15th century Italy to provide credit to the
poor and combat usury. On the other hand,
these were the savings and cooperative
banks that developed in the 18th century,
ﬁrst in Germany and Austria. These banks
were founded to serve clients who did not
have access to basic banking services such
as credit or saving facilities. They also had a
strong focus on supporting the local com-
munity and economy.
Social banking today largely builds upon
the philosophy of these banks that, in their
respective times, were able to create a cul-
tural change in the ﬁnancial business, away
from usury-driven money-lending towards
mutually beneﬁcial ﬁnancial intermediation
between depositors and borrowers.
However, starting in the 1970s, the es-
tablishment of contemporary social banks
can also be seen as a response to issues per-
ceived problematic at that time, such as the
widening gap between the rich and the poor,
the environmental pollution, the inequality
between genders, and the military confron-
tation between the then superpowers. Thus,
supporting socially and environmentally mo-
tivated projects, modern social banks were
(and still are) driven by the objective to work
for a more sustainable development on vari-
ous levels of the society.
Examples of contemporary
We now take a more detailed look at these
social banks, including their missions and
products. For this, the GABV is a good start-
ing point. As of 2011, it comprises of 13 banks
and ﬁnancial institutions from four conti-
nents. Broadly, one can diﬀerentiate two
groups of banks, nine social banks from the
Northern hemisphere and four microﬁnance
institutions. All of them integrate social, ethi-
cal and/or sustainability aspects into their
mission statements, and use the term sus-
tainable, ethical, social, or community based
banking, or microﬁnance to describe their
The total combined assets of these banks
are $ 26 billion. The average return on equity
in 2010 was 7.9%. However, the size of social
banks in the GABV varies. The smallest bank
in this group, Cultura Bank from Denmark,
has assets of only $ 66 million, whilst the big-
gest, Vancity from Canada, has assets of $ 14
billion. Clearly though, none of them is com-
parable to the main players in the ﬁnancial
business in terms of assets, clients or loans
outstanding. Furthermore, most social banks
only operate on a national or even regional
level, and they all concentrate on core bank-
ing activities such as savings and loans.
What are typical social banks’
products and services?
Social banks pioneered a number of innova-
tive products and services, such as borrowing
or lending communities. They also helped to
jump-start a number of sustainably oriented
sectors such as organic agriculture or renew-
able energies. In addition, they initiated the
‘greening’ of traditional banking products
such as socially-responsible or ‘green’ invest-
ment funds. In this latter sense, the majority
of social banking products and services today
can be described as conventional banking
products and services with a social or ethi-
cal ‘twist’ to them. For instance, social banks
often let depositors or savers select from a
range of sustainably oriented sectors into
which the bank then channels the depos-
ited funds or savings. Similarly, social banks
usually apply positive or negative social and
environmental criteria to complement the ﬁ-
nancial credit risk assessment to rate borrow-
ers, shares or investment projects.
Thus, social banks essentially use the
range of core banking products and services
to intermediate between, on the one hand,
those who want to invest their funds so that
they achieve a positive impact on the society,
the community or the environment, and, on
The majority of social banking products and ser-
vices today can be described as conventional bank-
ing products and services with a social or ethical
‘twist’ to them.
New Resource Bank
One California Bank
Bank Assets in US$ million Country of origin Website
Table 1: Members of the Global Alliance for Banking on Values (2011)
6 The World Financial Review
the other hand, those that need funds to realise projects with such a
positive impact. Table II highlights some examples of products con-
sidered characteristic of social banks.
One area of products and services where social banks also stand
out is that of donations and foundations, which play a much more
prominent role in social than in conventional banking. From the per-
spective of some social banks, donations and foundations are attrac-
tive because they are manifestations of a diﬀerent way to deal with
money, one that is not oriented towards ﬁnancial return but towards
enabling crucial innovations to shape our economy and society in a
more sustainable way. Consequently, several social banks also oﬀer
services like consultation for aﬄuent people who want to support
non-proﬁt organizations or social businesses to bring about political
and social change in society.
Many of the innovative products and services once introduced
by social banks have now entered mainstream, and are increasingly
popular with both customers and conventional banks. Conventional
banks begin to oﬀer products and services labelled as ‘sustainable’ or
‘socially responsible’ as well.
The main ‘unique selling point’ of social banks therefore is to oﬀer
exclusively sustainable or socially responsible products and services.
This strategy of social banks seems to have served them well. Most
contemporary social banks have managed to grow steadily for most
of their history. They thus proved that a diﬀerent way of banking in-
deed is possible, one that does not only aim for economic proﬁt but
also for a positive social and ecological impact.
New opportunities and challenges for social
The above not withstanding, it is also fair to say that, until recently,
social banking remained a niche in the shadows of conventional
banking without much recognition and impact in the wider world. In
Germany, the country where contemporary social banking originated
almost 50 years ago, for instance, social banks still serve less than 1%
of the adult population.
This, however, could now change dramatically. The recent ﬁnan-
cial crisis, climate change and energy issues might prove decisive
for social banking’s further development. This crisis and other events
resulted in exceptional growth rates (of more than 30%) of several
social banks. Clients of conventional banks suddenly discovered that
social banks did not only do good but also well. This was supported
by the fact that social banking clearly ﬁt nicely into the general trend
of more sustainable and conscious lifestyles that have been observed
for some time.
Thus, the niche for social banks is certainly growing bigger, and
social banking might see itself leaving its niche for good. Indeed, sev-
eral banking industry experts state that social banks could reasonably
expect to increase their outreach from currently less than 1 per cent
to 10 or 15 per cent in the near future in the Northern hemisphere (in
the South the outreach of social banks is likely to grow even bigger).
This spells new opportunities for social banks, who ﬁnally might
“capitalize” on their strengths such as their immaculate reputation,
their profound experience and networks in promising and innovative
sectors, and their proven capability to innovate products and services
in response to social and environmental problems. Moreover, based
on their long experience with open and transparent stakeholder en-
gagement, social banks might beneﬁt more than their conventional
peers from the new ‘social’ media.
As a consequence, social banks are likely to increase their outreach
impact way beyond what their limited size would sug-
gest. Moreover, with more and more new deposits coming in, social
banks might also increase their
impact by funding more and
larger projects and initiatives that aim to foster sustainability.
However, notwithstanding the above opportunities, social banks
are not without challenges. Arguably the most obvious challenge for
social banks is the need to comply with the manifold economic and
regulatory requirements whilst not losing sight of their social ideals.
There is no doubt; social banks depend on solid banking exper-
tise, professionalism, and strong customer orientation as necessary
prerequisites for long-term success. However, by itself, this is not suf-
ﬁcient. Social banks’ customers (and often also their employees and
owners) choose their bank not so much for its particular banking ex-
pertise but because of its promise to pursue a strictly ethical mission.
In this situation, credibility is a key aspect, and to stay credible the
bank’s overall, internal and external, business conduct has to be in line
with the ethical promises it makes – and with its various stakeholders’
expectations. For this purpose, almost all social banks follow the three
guiding principles of transparency, communication and participation.
This openness clearly requires good management. Social banks have
to implement and use management principles and management
systems to achieve their targets and to manage their business suc-
cessfully and eﬃciently. Furthermore, special guidelines for personnel
recruitment, compensation policies and leadership have to be devel-
oped and implemented.
Sustainability loans and
Sustainability savings accounts
and certificates of deposits
Product type Example Further Information
Loans for wind and solar energy
TRIODOS offers venture capital
investments in climate warming
mitigation projects, organic fruit
and vegetable trading, and
socially responsible fashion
Certificates of deposits that are
connected with loans to
sustainable sectors like
Table II: Products and Services of Social Banks
The recent nancial crisis and other
events resulted in exceptional growth
rates (of more than 30%) of several so-
cial banks. Clients of conventional banks
suddenly discovered that social banks did
not only do good but also well.
May - June 2011
However, most social banks are still in the process of transforming
from social grass roots projects, usually set up by idealistic and un-
conventional people, to eﬃcient and eﬀective business enterprises.
This makes management and leadership, at times, diﬃcult tasks. And
these tasks don’t get any easier when one takes into account that the
many new clients of the social banks are likely to come with new val-
ue systems and new expectations towards the bank and its service.
With respect to the latter, a weakness of the social banks also is
their still ‘limited range of activities’ in terms of their products, services
and sectors served, as well as their limited pressure to actually prove
their social and ecological impact. So far, they have enjoyed a small
but very loyal customer base, which was happy with receiving core
banking services and easily convinced of the positive impact of their
bank. Therefore, with their client-base expanding, social banks, sooner
or later will have to expand their product portfolio and to prove (and
report on) their actual impact more systematically and convincingly.
At the same time, social banks experience increasing competition
in their own arena from conventional banks starting to discover the
promises of sustainability, at least for marketing purposes. And in this
context, it must be pointed out, a key strength of social banks today
certainly is the current relative ‘weakness of their conventional com-
petitors’ in terms of lost trust and damaged reputation. Yet, this is a
rather ambivalent ‘strength’. And it might not be a sustainable one.
With the memories of the recent ﬁnancial crisis fading, conventional
banks are likely to regain some lost ground. And if only some ten
thousand clients return to conventional banks, this could have se-
vere consequences for the social banks. Thus, social banks seem well
advised not to be complacent with a situation that currently seems
favourable to them but in fact heavily relies on factors outside their
In sum, to compete successfully and to use the current opportuni-
ty to grow out of their niche for good, Social Banks will have to profes-
sionalize further and will have to attract and keep suitable staﬀ, with
similar values and the relevant professional experience and attitude.
Whether or not, social banks will actually grab the current oppor-
tunity remains to be seen. As of now, social banking seems to be at
a cross-road. Much will depend on how well social banks can utilize
their existing strengths whilst simultaneously working on their ‘weak
The future of social banks
To increase the social and environmental impact, social banks have to
keep on growing. But, to do so, they have to advance their products
and services in a way that stresses their social impact and lowers the
ﬁnancial risk for themselves and for their clients. They have to broaden
their product portfolio to become less dependent on interest rates
as most social banks rely on the lending business. Furthermore, they
have to diﬀerentiate themselves from conventional banks that start
to distribute socially responsible products and services as well. To
achieve a bigger positive impact, social banks will have to focus more
on positive impact ﬁnance and less on using negative exclusions cri-
teria to exclude non-ethical businesses. In order to address new types
of clients, social banks have to develop products and services on the
one hand, and marketing strategies on the other, that meet the need
of these new clients who are interested in ﬁnance with an impact. In
order to show this impact, social banks will have to develop measures
and indicators that demonstrate their positive impact on the society,
communities, the environment and sustainable development in an
objective and transparent way.
About the authors
Olaf Weber holds the Export Development Canada Chair in Envi-
ronmental Finance at the School for Environment, Enterprise and
Development (SEED), University of Waterloo, Canada. Prior to this
appointment he was a managing partner and consultant for sustain-
able banking and head of the Sustainable Finance group at the Swiss
Federal Institute for Technology, Zurich, Switzerland. Dr. Weber’s re-
search interests are in integrating sustainability criteria into the risk
management of banks and ﬁnancial institutions and in concepts and
indicators to measure the impact of conventional and social banking
on the society.
Sven Remer is a Professor for Social Banking and Social Finance at
the Alanus University in Alfter, Germany, and co-worker at the Insti-
tute for Social Banking in Bochum, Germany. Prior to this, he worked
for several years with KPMG as an Environmental Management Con-
sultant and Auditor in Frankfurt, Germany, and as a researcher and
lecturer in Entrepreneurship and Finance with City University in Lon-
don, UK. His research interests span a range from Social Finance Theo-
ries to Impact of New ‘Social’ Media on (Social) Banking and Finance.
Both authors are editors of and contributors to the book
and the Future of Sustainable Finance.
1. Weber, O., & Remer, S. (Eds.). (2011).
Social Banks and the Future of Sustain-
2. Porter, M. E., & Kramer, M. R. (2011). Creating Shared Value.


text: Mary was born and raised and lived in Pendleton County all her life except for a short time. She married George Washington Hanker on June 16 1894. George died in 1952. To this union 2 daughters and a son were born Edna, Hazel and William. Mary died at the home of her daughter in Lawrenceburg Indiana where she had lived for her last two years. She was laid to rest in the Pleasant Ridge Cemetery in Pendleton Co Ky.


A fast decentralized exchange
Leverj Market Cap
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All-Time-High (ATH) Price
Leverj (LEV) is a cryptocurrency token generated on the Ethereum blockchain.The total supply of Leverj that will ever be issued is 1.00 Billion tokens, and the current supply of LEV in circulation is 118.09 Millions tokens.
Current Leverj price is $ 0.0286 moved up to +0.48% for the last 24 hours.
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Leverj price Index provides the latest LEV price in US Dollars , BTC and ETH using an average from the world's leading crypto exchanges.
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Today's Melbourne, Australia's Sunday Herald Sun published an interview with singer Tony Bennett in which he talks about performing with Sir Paul at the Bridge School Concert benefit:
"I got to sing with Paul McCartney, which was such a thrill. Paul said to the crowd, 'Wow, I am singing with Tony Bennett' and I was thinking, 'Wow I am singing with Paul McCartney'. I am a huge Paul McCartney fan, rather than a huge Beatles fan. The guy is a wonderful human being and a great songwriter."
(kindly submitted by PLUGGED correspondent Joan M. Hopkins)
©1994-2013 Harald Gernhardt. All Rights Reserved


text:
Governing algorithmic decisions: The role of decision importance and governance on perceived legitimacy of algorithmic decisions
Appeared In: Big Data & Society
Publication Date: June 28, 2022
The algorithmic accountability literature to date has primarily focused on procedural tools to govern automated decision-making systems. That prescriptive literature elides a fundamentally empirical question: Whether and under what circumstances, if any, is the use of algorithmic systems to make public policy decisions perceived as legitimate? The present study begins to answer this question.
Using factorial vignette survey methodology, Martin and Waldman explore the relative importance of the type of decision, the procedural governance, the input data used, and outcome errors on perceptions of the legitimacy of algorithmic public policy decisions as compared to similar human decisions. Among other findings, they find that the type of decision—low importance versus high importance—impacts the perceived legitimacy of automated decisions. The authors find that human governance of algorithmic systems (aka human-in-the-loop) increases perceptions of the legitimacy of algorithmic decision-making systems, even when those decisions are likely to result in significant errors. Notably, they also find the penalty to perceived legitimacy is greater when human decision-makers make mistakes than when algorithmic systems make the same errors. The positive impact on perceived legitimacy from governance—such as human-in-the-loop—is greatest for highly pivotal decisions such as parole, policing, and healthcare. After discussing the study’s limitations, Martin and Waldman outline avenues for future research.
Martin, K., Waldman, A. Governing algorithmic decisions: The role of decision importance and governance on perceived legitimacy of algorithmic decisions. Big Data & Society (2022). DOI: 10.1177/20539517221100449

domain: politics


text:
Pesticide Movement in the Environment
Movement of pesticides from the place of application into surrounding ecosystems depends on the physical and chemical properties of the pesticide, transformation processes, and partitioning behavior. Where, when, and how a pesticide is applied also plays a role in pesticide fate (e.g., land use practices, slope, soil type, etc.) (See conceptual diagram below).
There are ultimately three fates for pesticides:
- All or a portion may remain unchanged where it was applied
- All or a portion might be carried elsewhere by transport processes
- All or a portion might be transformed into other chemical species by natural and biological processes.
Partition Coefficients for Contaminants
Partitioning behavior (the tendency for a compound to move from one state to another based on chemical properties and temperature) changes as it is broken down through natural (ex: exposure to sunlight) and biological (phase I and II Biotransformation) processes. Water is often used as the reference phase when calculations are down concerning partitioning. This is dependent on chemical properties and temperature. Partitioning coefficients are used to determine numerous environmental fate and transport characteristics for many potential contaminants including pesticides.
A compound can exist in:
- Air phase (chemical vapor in the air)
- Free phase (chemical liquid/free product)
- Water phase (chemical is dissolved in water)
- Solid phase (Chemical is sorbed to solid)
(see figure 1 in right sidebar)
Partitioning coefficients ultimately help determine the environmental transport and fate of a pesticide in the PRZM (Pesticide Root Zone Model) -EXAMS (Exposure Analysis Modeling System) model used by the EPA to determine if a pesticide exceeds a potential level of concern (LOC).
EPA's PRZM-EXAMS Model Parameter Set Up:

domain: chemistry


The new Nitro Maxx range of light bars now have boosted performance, with the updated 55W LED light bar delivering an increased beam distance of 40%.
The Nitro light bars have become a hugely popular addition to the Nitro Maxx range. Featuring the Widr® optic for width and a Contrl® optic for distance, the Nitro Light Bar takes performance to another level.
The Hi/Lo function provides you with an even greater amount of flexibility in a range of driving conditions.
For the 5700K Hi & Lo model light bars:
- Both Hi-Output & Lo-Output functions utilise 5700K LED’s, achieving 170° spread of light with our patented Widr® reflector.
For the 4500K Hi & Lo model light bars:
- The Hi-Output function utilises a combination of 4000K and 5700K LED’s (4500K combined average) which gives the perfect open road driving experience with optimal distance and a 170° spread of light.
- The Lo-Output * feature drops the light output to 3 x 4000K LEDs utilising our patented Widr® reflector for 170° of spread. This is perfect for foggy or dusty conditions and for reducing the glare on road signs.
*Please note the Lo-Output feature doesn’t work alongside the vehicle’s low beam, it just reduces the amount of light coming out of the light bar, while the vehicle’s high beam is still on.
Both side and base mounts are available as standard options; optional U Mount available (as pictured).
A wiring harness and anti-theft nuts are supplied with each bar. Please specify base or side mounting at the time of ordering.
Need a Wiring Diagram?Get One Here


text:
Car Accident AttorneysAntonia, MO
Antonia, MO Car Accident Attorneys. After you or a family member is hurt or killed in a car accident someone else caused, you need a competent Antonia, MO car accident attorney that is able to secure the damages you deserve and hold the negligent driver or company responsible for the harm they have caused. To reach success in your auto accident case, you need a lawyer who has an extensive background in cases like yours, is dedicated to understanding your personal experience, and is obsessed with fighting to get complete compensation. For the best available representation in your case, choose the Antonia, MO car accident lawyers of Burger Law.
Antonia, MO Car Accident Attorney Gary Burger and the lawyers and staff at Burger Law are prepared to fight for your Antonia, MO car accident case and demand the responsible party to take responsiblity for their harmful actions. Our firm has demonstrated our skill time and time again by winning hundreds of car accident and other personal injury cases throughout the Antonia, MO area and across the country, representing some of the toughest car accident claims and recovering millions of dollars in settlements for our deserving clients. Find out how the Antonia, MO car accident lawyers of Burger Law can win your case and help you and your family recover with a complimentary consultation. To begin your journey towards winning your car accident case, call us today at 314-648-8348 or contact us now.
Why Do I Need a Antonia, MO Car Accident Attorney?
Each car accident is different, and every person’s reaction to the experience is unique. For many, a car accident is an upsetting event that introduces sudden pressure. Any time you are hurt in a car accident caused by someone else, you are entitled to financial compensation from the responsible person or their insurance company. However, to receive the compensation you are rightfully owed, you may require the helpp of a good car accident attorney to fight for you.
While some minor car accidents can be resolved successfully without the use of an auto accident attorney, there are certain factors that call for legal representation. Do not proceed without an experienced Antonia, MO car accident attorney if the accident caused injuries or death, involved multiple cars, included a commercial vehicle, presents questions of liability, or was caused by a hit and run. If your car accident injured or killed you or anyone in your family, you need a car accident attorney to protect your rights and ensure you recover the complete damages you are owed.
Choosing Your Antonia, MO Car Accident Attorney
A car accident can turn your life upside down or, at the very least, cause you stress and uncertainty. The the weeks and months following your car accident, it is important that you know what to expect and how to protect yourself and get the best possible outcome in your case. Much of the success in your car accident claim depends on the work of your car accident attorney, but you also have a responsibility in the outcome of your own case.
Our philosophy at Burger Law is that, as your personal injury law firm, our responsibility is more than simply presenting your case and communicating with the insurance company; we have also taken it upon ourselves to provide free materials and resources to all car accident victims to help them through their injury claims. Burger Law has written books on all types of personal injury cases including car accidents, is active on our Youtube channel, writes a newsletter, and we are always willing to answer questions.
In the interest of transparency, we feel that we should not just answer car accident victims’ questions, but also allow prospective clients the chance to hear from our past clients. View our past clients speaking about their experiences here and check out our hundreds of five-star reviews on Google to understand why Burger Law is one of the best St. Louis car accident law firms.
How Can a Antonia, MO Car Accident Attorney Help Me?
Every car accident lawyer has an individual style and a special combination of skills to your case, which makes it imparative for you to know what questions to ask before you officially hire any personal injury attorney. An excellent and experienced Antonia, MO car accident attorney will provide you not only with strong legal counsel, but also peace of mind and confidence of immeasureable value. At Burger Law, we pride ourselves on excellent communication with our clients and our reputation for going above and beyond to secure the best results for car accident victims.
Competent Antonia, MO car accident attorneys provides multiple services that are critical to winning your case. You can expect that the Burger Law Antonia, MO car accident attorneys on your case will do the following for you in your auto accident claim.
Your Antonia, MO car accident attorney will:
- Investigate and prove your claim
Your experienced Antonia, MO car accident attorneys should take the time to investigate all possible contributing factors and all potentially liable parties. They will store any documentation you can provide, obtain any additional evidence, and use this information to show who caused the accident and your subsequent injuries.
- Calculate the damages you are owed
Without any experience with car accidents, it is nearly impossible to pinpoint an exact pricetag for the damage the accident caused you. You need a Antonia, MO car accident attorey who has experience calculating both the economic (such as the cost of medical treatment and supplies, property repairs, and lost income) and non-economic damages (like pain and suffering and long-term disability) in your case and is also able to explain the extent of your suffering to a jury should your case goes to trial. Beware when handling your case on your own. Insurance companies will always attempt to get youy to settle at an obscenely low number right away, before you have had time to receive adequate medical care, heal from your injuries, and discover any complications or long-term effects.
- Take on the insurance companies
Insurance companies frequently use tricks to get out of compensating injury victims fairly injury victims the sum they deserve}. Statistically, car accident victims without lawyers receive much less money than car accident victims who have legal representation. It takes a talented Antonia, MO car accident attorney to stand up against the insurance company’s tricks and insist on fair payment.
- Negotiate a fair settlement
Most cases are settled outside of court. Your car accident lawyer and the insurance company lawyer might be able to reach an agreement through simple negotiations or through mediation. However, unfortunately some defendants refuse to take accountability and offer reasonable compensation. If an agreement cannot be reached, your case will be heard in trial by a jury of your peers. If this happens, it is important that you have a strong trial lawyer who knows how to present your case to the jury and appeal to their humanity to obtain a favorable outcome. Burger Law is a Antonia, MO injury trial law firm with experience trying and winning many cases in St. Louis, Illinois, Missouri, and beyond.
- Reduce your medical bills
Even though you may get a great settlement in your case, substantial medical bills can easily put you back to square one. Even with a policy limit settlement, you may not be left with much or any money in the bank after paying your medical bills. The dedicated car crash lawyers of Burger Law will not only vigorously demand a fair settlement for your damages, but will even secure reductions of your medical liens. Liens are the medical bills due upon settlement of your case for medical services provided upfront under an arrangement between your attorneys and medical providers in the community. Treatment on a lien basis gives vicitms access to medical care when they need it, but unless your Antonia, MO car accident attorney puts forth extra effort to reduce those liens, you will still be stuck footing the hefty medical bill at the end of it all.
- File your case
Hiring experienced car accident lawyers like Burger Law’s lawyers means you have someone on your team who understands the legal issues and requirements that affect your car accident claim car accident attorneys like the lawyers of Burger Law have extensive experience with auto accident claims like yours and the laws and procedures surrounding them}. Your lawyer will make sure your case is handled correctly during every part of the process. The car accident claim process is routine to your law firm, making filing your case correctly and on time a simple task for your legal team. This role is doubly beneficial to you. It protects you from the risk of losing your case due to legal policies with which you aren’t familiar and fills you with confidence and assurance that your case is being handled by professionals.
Understanding Your Antonia, MO Car Accident Case
Our Antonia, MO team provides information about commonly asked car accident and personal injury questions as a resource for all vicitms of car accidents goingh through the injury claim process. Our lawyers are also available to answer your questions for free by phone at 314-648-8348.
Antonia, MO St. Louis Car Accident Cases
A skilled Antonia, MO car accident attorney from Burger Law will give you the assistance and support you need as you move through your car accident case. As a team, Burger Law has achieved results for car accident victims in a wide variety of cases including from hit and run accidents, commercial vehicle accidents, texting and driving accidents, accidents with uninsured drivers, rideshare car accidents, and more. We have seen it all in the world of car accident cases.
Learn more about some of the other types of cases our firm takes on, listed here.
- Truck Crash Lawyers
- Car Crash Lawyer
- Elmiron Lawsuit Lawyer
- Auto Accident Lawyer
- Personal Injury Attorney
- Personal Injury Lawyer
Your Antonia, MO Car Accident Attorneys | Burger Law
We work arduously to communicate with you and insist that the negligent driver’s insurance company pays out fairly so that you can rest assured that you have lawyers on your case who care about the outcome. We work fearlessly to get you complete damages and to hold the negligent driver responsible for their actions. The St. Louis car accident attorneys of Burger Law never go easy on insurance companies because we believe you deserve compensation to make you and your family whole again.
If you or a family member were injured or killed in a car accident caused by someone else, you deserve payment. To get the true value of your case, you must have a talented and experienced Antonia, MO car accident attorney from Burger Law dedicated to your recovery. Begin right away by discussing your case with a qualified lawyer for free. Call us today at 314-648-8348 or send us a message now.

domain: law


Mortimer & Whitehouse: Gone Fishing – 5 September 2021 – 5/9/2021 – Sunday – BBC Two
Series 1 Episode 1 of 4
During a career spanning more than 15 years, Simon has visited over 100 countries on six different continents, experiencing epic landscapes and uncovering moving and dramatic human stories. Now, he catches up with some of the memorable characters he’s met along the way, as well as revealing behind-the-scenes moments and exploring some of the huge changes he’s witnessed while travelling around the world.
In this first episode, he revisits some of those amazing encounters, from the Burmese human rights campaigner who took him on a dangerous undercover mission into the country in 2010, to the homeless woman he met living inside a railway bridge just a few miles from the glamorous streets of Hollywood. The journeys have taken him from a £10,000-a-night hotel in Mexico to eating soup made from zebu (ox) penis in Madagascar. And most movingly of all, Simon catches up with a ten-year-old boy he met working in terrible conditions in a glass factory in Bangladesh and finds out what has happened to him ten years later.
- Try Amazon Prime Video FREE / PureVPN – Stream US/UK Shows Worldwide
- Watched the show? Join the discussion and leave a comment below!
About Mortimer & Whitehouse: Gone Fishing
Comedians and lifelong friends Bob Mortimer and Paul Whitehouse share their personal and hilarious life experiences while travelling around the UK fishing for elusive species.
This show is broadcast on BBC Two, also known as the British Broadcasting Corporation.
Latest Episodes of Mortimer & Whitehouse: Gone Fishing
- Mortimer & Whitehouse: Gone Fishing – 26 September 2021 – 26/9/2021 – BBC Two
- Mortimer & Whitehouse: Gone Fishing – 21 September 2021 – 21/9/2021 – BBC Two
- Mortimer & Whitehouse: Gone Fishing – 19 September 2021 – 19/9/2021 – Sunday – BBC Two
- Mortimer & Whitehouse: Gone Fishing – 14 September 2021 – 14/9/2021 – Tuesday – BBC Two
- Mortimer & Whitehouse: Gone Fishing – 12 September 2021 – 12/9/2021 – Sunday – BBC Two
Latest Episodes on BBC
BBC is an British television network, and is one of the main television networks in the United Kingdom. It broadcasts in English.
Some of the most popular shows and programs on BBC include:
- Strictly Come Dancing
- Line of Duty
- The Capture
- Inside No. 9
- Holby City
- The Night Manager
- Top Gear
Television in the United Kingdom
The main United Kingdom networks are:
- BBC (British Broadcasting Corporation)
- BBC One, BBC Two, BBC Three, BBC Four
- ITV (Independent Television)
- ITV, ITV2, ITV3, ITV4
- Channel 4
- Channel 5
You will find articles on all your favourite TV shows on every network, everyday on TV Everyday!


text:
Infrared Oven, things need to know!
Today’s ovens come in a variety of shapes and sizes, including convection ovens, toaster ovens, microwave ovens, and more. The infrared oven is one of the less well-known.
We’ll go over what an infrared oven is, how it works, and how it compares to a convection oven in this post.
What is the difference between an infrared oven and a conventional oven?
An infrared oven, like a convection oven or toaster oven, is a kitchen equipment that may be used for cooking and baking. It heats the meal using a technique known as infrared radiation.
Microwave radiation has a shorter wavelength and a higher frequency, while infrared radiation has a longer wavelength and a higher frequency. It has a wavelength that is longer than visible light.
Infrared ovens are typically tiny, similar to a toaster oven, however bigger infrared ovens are available. Other forms of heat are used in conjunction with infrared in certain infrared ovens.
- Best Dishwasher Under 400 dollars: Reviews for Perfect Choice
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- Best Dishwasher Under 1000 dollars: Top Products Review
What Is an Infrared Oven and How Does It Work?
Heat is generated by energy waves in an infrared oven. These energy waves are focused on the food within the oven. Instead of heating the air surrounding the food, the infrared oven directs the energy to the food itself using reflectors.
There are zones in certain infrared ovens, each with its own infrared light. You can cook various items at once and have them all ready at the same time by managing separate zones within the oven.
Is it Safe and Healthy to Use an Infrared Oven?
Food cooked in infrared ovens is healthful and safe to consume. Because these ovens employ infrared radiation, they may reach very high temperatures, therefore exercise care while using them, particularly when removing food from the interior.
Inside the oven, shields and reflectors deliver infrared light to the food while simultaneously protecting the customer. Because of the brightness, it is not suggested that individuals stare at the light or stand directly in front of the oven for long periods of time.
Infrared vs. Convection Oven
The way food is heated is the fundamental difference between a convection oven and an infrared oven. Convection ovens use a fan to circulate heated air over the meal, which subsequently warms the food. The energy from an infrared oven is directed directly to the food rather than the air surrounding it.
Convection ovens are less energy efficient than infrared ovens. They’re designed to heat up rapidly and cook meals quickly, cutting down on the length of time the oven uses electricity.
Because infrared ovens are often smaller than convection ovens, they are more energy efficient. They are suitable for kitchens with limited space because to their tiny size. Because they don’t utilize a fan, infrared ovens are also quieter than convection ovens.
When it comes to cost, both convection and infrared ovens might be comparable. Infrared ovens are smaller than convection ovens, but they are highly strong. They are not yet as ubiquitous as convection ovens. As a result, their cost is comparable to that of a bigger convection oven.
It’s time for some high-tech cooking!
An infrared oven might be an excellent option if you want to explore a new style of cooking. These multifunctional machines might be useful for quickly making whole meals.
If you want to need more information, please see here.

domain: food