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Police Officer Makes Wonderfully Awful 'Frozen' Recruitment Video
It's official: everyone has now put out of a 'Frozen' parody.
It's official: everyone has now put out of a 'Frozen' parody.
It is not uncommon for an artist to do a cover of another artist in another genre. Thomas Rhett did just that and it is absolutely amazing!
Wade Bowen did something only very, very few Texas Country artists have done. Make an appearance on a nationally televised show.
It isn't often that I find a music cover I like, but this one is pretty amazing. Eighteen year old Ashland Craft hit the nail on the head with this one.
This may not be the best version of 'Jingle Bells' you've ever heard, but it may be the most unique.
Who knew taking the subway could be so fun?
We know, we know -- 'Frozen' parodies are sooo overdone. But this one is on the money. We promise.
Meet the world's youngest Deadhead.
'Let It Go' is already a favorite among, well, everybody. Now, it seems it's a huge hit with the animal kingdom.
Nick Stracener is an East Texas native from Lindale who also works for American Airlines. And a video he took of a fellow flight attendant is blowing up online.
Let me first say, when I started in radio one of my first jobs was working in the Classic Country format. So what happened recently was such a joyous surprise. I do a weekly public affairs show on our sister stations 98.7 Jack FM and News Talk 940. Each week I interview folks in our community about events. Never in a million years did I expect Michael Martin Murphey to walk into my studio.
Like pumpkin pie, sweet potatoes and jokes about pardoning turkeys, 'All About That Bass' in inescapable this season.


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ATM Best Practices Item # Question Answer A. Sponsorship 1 What is sponsorship and why do I need it? With the advent of "off-premises" ATMs, i.e., those in non-banking locations, networks needed to find a way to allow ATMs owned by individuals and private companies to connect to the system. The solution was to ask the Member Financial Institutions to sponsor individuals and companies who place ATMs in non-banking locations. By sponsoring a private company's ATMs, a Financial Institution is taking on itself the full responsibility for those terminals in the eyes of the networks. That means that the Financial Institution bears all risks associated with placing that machine, including the risk of fraud and the possibility that a compromise at one machine could adversely affect the entire system. Because sponsorship carries with it such risk, any Financial Institution is obligated to do extensive due diligence on the companies with which they do business, to try to mitigate the risk and protect the overall ATM system. 2 What is due diligence? In the case of ATM sponsorship, due diligence is the process of investigating the Independent Sales Organization (ISO), including a thorough analysis of the financial health of the business and its owners or officers, investigations into the financial and criminal history of the people running the business, and technical evaluations of the equipment to be used processing the transactions. This due diligence information provides the networks, the regulators, and the sponsoring financial institutions with the information necessary to determine the amount of risk associated with an ISO or agent's network sponsorship and participation. This due diligence effort is a means by which all participants throughout the ATM chain can help protect the integrity of the EFT industry. 3 What are the minimum due diligence The minimum requirements of the Sponsoring Financial Institution (SFI) can vary requirements of a Sponsoring Financial Institution depending on their internal policies established on sponsorship. Most SFIs require (SFI)? some form of the following: a. Business Financial Information, to include Financial Statements (Balance Sheet and Income Statement) for the most current two year period; b. Federal Income Tax Returns (two previous years, all schedules and Approved July 2007 Page 1 of 18 Item # Question Answer extensions); c. Financial Information for any principal with significant ownership or management interest in the company, to include complete income tax returns for the most current two year period (some SFIs also require current personal financial statements); d. Proof of Liability Insurance (insurance declaration page); e. Proof of valid existence of company (Articles of Incorporation, LLC or Partnership Organization); f. Documentation showing ownership and percentage owned; g. Internal documentation to include: 1. Background investigation; 2. Credit Checks on all principals; 3. Business Credit Check or Dun & Bradstreet review; 4. On-site inspections; 5. Network registration materials, which may include a PIN Security Audit. 4 What will happen with all this information? The due diligence information provided will be retained in the SFIs files and will become a permanent part of the SFIs records. The files may be reviewed by the networks and banking regulatory examiners. If the information gathered does not meet the network guidelines or the standard determined by the SFI, the SFI could be criticized formally by the networks, regulators and/or the SFI's board of directors. This action could result in the ISO's termination and/or the termination of the program. 5 How is this information used? The due diligence information is used to: a. Determine and validate the financial responsibility of the ISO or third party agents. b. Ensure that no significant derogatory information exists. c. Validate the ownership of the business. d. Validate identification of the principals and of the key agents. e. Verify inventory and to review solicitation or sales materials. 6 Is the information kept confidential? All collected due diligence data will be treated in accordance with federal regulations regarding privacy and the confidentiality of financial records (http://www.ftc.gov/privacy/glbact). Collected due diligence information will be reviewed first by the collecting party, which may be a SFI, a processor or an independent consultant working on behalf of a processor or SFI. The information will then be provided to the SFI for approval and reviewed by the network(s). Bank Approved July 2007 Page 2 of 18 Item # Question Answer regulatory examiners may also review it during their routine audits of the SFI's programs. B. Financial Review of Company 7 How can I obtain audited financial statements for If your financial records are excellent, any CPA can review them and provide you my business? with audited financial statements. The process is generally expensive and takes a fair amount of time. Audited financial statements are the most reliable type of financial statements. The audit is based on information submitted by the client and the CPA does not verify all of the information. Limits on the scope of the audit and on the CPA's responsibility are described in the opinion letter that accompanies the audited statements. However, the value of an audited statement is that the independent CPA is responsible for testing and verifying any numbers that seem questionable or unusual as well as the most material financial information. 8 If audited financials are not available, will a Generally, yes. Reviewed compilations are financial statements prepared by an reviewed compilation be sufficient? independent CPA that have been subject to some examination but have not been audited. The CPA is required to consider the reasonableness of the information. If any number appears questionable, the CPA must make inquiries, apply analytical procedures, or take other appropriate actions to provide a reasonable basis for expressing limited assurance that there are no material modifications that should be made to the statements in order for them to be in conformity with Generally Accepted Accounting Principles (GAAP). Any departure from GAAP in reviewed statements should be noted in the transmittal letter and detailed in a footnote. 9 Can a Certified Public Accountant (CPA) or an Both audited and reviewed compilations are prepared by CPA's. Financial Accountant provide sufficient information to meet Statements prepared by an Accountant would not have the credibility of audited or this requirement? reviewed financials. Generally, SFIs will accept financials prepared by an Accountant in combination with other documents like business income tax returns and credit bureau reports. 10 Will an internally generated document from my This may vary according to the SFI's policies. At a minimum, business financials will accounting software be acceptable? be required, including a balance sheet and income statement. They should be detailed, accurate, and professional in appearance. Some SFI's require that they be signed and dated. Your financial statements will be only one aspect of the approval process. 11 Will financials from my bookkeeper suffice? This may vary according to the SFI's policies. At a minimum, business financials will be required, including a balance sheet and income statement. They should be detailed, accurate, and professional in appearance. Some SFI's require that they be signed and dated. Your financial statements will be only one aspect of the approval process. 12 The SFI is asking for two years of financials and The sponsor financial institution will validate and analyze the financial picture your two years of tax returns. Why do they require company presents. Two sources of financial information will not only provide this? additional data, they will also provide a way of validating the information. Two years worth of information will give comparisons so that trends can be established. 13 What if I am a new, start-up company and don't The SFI will rely on the personal financial statements and personal income tax have financial statements or tax returns yet? returns of your principals to make an evaluation of the risk associated with doing business with your company. Depending on your SFI, these documents may have Approved July 2007 Page 3 of 18 Item # Question Answer to be stronger than would normally be required. A personal guarantee may be requested from all principals and /or a deposit may be required to mitigate risk. Some SFIs have an underwriting policy that requires the company to be in business for two years before they can be accepted as an ISO. 14 Would the SFI accept my tax records submitted Generally, SFIs will request two years of business tax returns and two years of to city, state, and federal agencies? personal tax returns from principals who have a significant interest in the company. SFIs want to see your federal tax returns. They are less interested in your state or local tax returns unless there is information contained in them that significantly alters your company's financial picture. 15 My company shows a loss; will I be turned down? Some SFIs have policies and procedures that require the ISO to be profitable or be in a profitable trend. However, many factors dictate profitability and bankers are experts at analyzing financial statements and determining reasons that companies are not profitable. If the reason is logical, most SFIs will not view a loss as being the only declining factor. 16 I have never submitted anything to Dun & No, information can be obtained from other reporting companies. If an SFI has Bradstreet. Is this mandatory? financial statements, tax returns, background investigations, on-site inspections and principal information, it will generally not demand a D&B if one is not available. 17 What sort of criteria will be used to evaluate my Every SFI will have its own set of criteria. The following gives you a general idea of company? the requirements an SFI might look for: 1. Financial Information – Are you building the company? 2. Personal Investment – Is your money on the line? 3. Profitability – Do you know how to manage your company? 4. Size of the Company – Will the time and resources the financial institution must expend result in adequate return for the investment? 5. Background investigation and credit reports – Are you reputable? C. Review of Principals 18 Why does the SFI need personal tax returns and The networks require the SFI to complete a financial evaluation of any principal. A financial information? review of your tax returns, a credit report and other financial information is the only way this can be accomplished. There are several reasons this review is important. 1. The SFI can determine the ability of a principal to support a company when adverse conditions present themselves. 2. If guarantees are required, the SFI can determine the ability of the principals to meet the guarantee. 3. Generally, the principal is also the president and/or manager of the ISO's company and a review of ability to manage personal assets is important in determining the ability to profitability manage the company. 19 How will this information be used? The information provided to an SFI or collecting agency (such as a processor or consultant working with the SFI) will be used first to qualify an applicant for Approved July 2007 Page 4 of 18 Item # Question Answer sponsorship. The SFI will evaluate your business performance, business standards, and ethical practices to ensure the ongoing viability of your company and your ability to bear any potential liability in sponsorship of your company to a network and/or networks. Depending on network requirements, the information may also be shared with the network(s) that will give final approval to the application. 20 Will the information be kept confidential? Financial institutions are required by Federal Regulations (http://www.ftc.gov/privacy/glbact) to keep confidential all information given to them. Additionally, privacy and confidential clauses should be present in your sponsorship agreement. However, network rules may require that your financial information be shared with the network giving final approval to the application. Additionally, federal regulators may require that the SFI share information about their clients during mandated audits. 21 Am I personally responsible for losses my You may be personally responsible for any liability your company incurs, depending businesses incurs,a nd to what extent? on the requirements of the SFI, the sponsorship agreement you have signed, and how your company is licensed. 22 This is a corporation. Why do I have to supply Please refer to the answer in number 18 (above). personal financial information? 23 This company is owned by many stockholders, Because your company is incorporated with stockholders, corporate filings will be none having more than 10% ownership. What required by the SFI to include annual reports with audited financial statements for will the SFI want? the most recent two years. 24 Will I have to submit this information in the future You will most likely have to submit this information each year. Some networks or just this once? require annual updates and reviews of financial information and generally a SFI's underwriting requirements and regulatory examiners require regular financial updates of customers. 25 What is valid identification of principals? Validation may be personal verification or professional investigation of such items as: 1. Name – Social Security Number match; 2. Criminal records; 3. Residency – Citizenship, legal residency, or legal alien status; 4. Check against the OFAC list (Office of Foreign Assets Control); 5. Business records as available from the Lexis-Nexis or similar databases; 6. Other such items as may be required. 26 If any of the principals have criminal Evidence of a criminal history will mean increased scrutiny for both the principal(s) backgrounds, will that automatically impede involved and the ISO. Much will depend on what the records reveal, as well as on approval from the SFI? the policies of your SFI. A youthful indiscretion or a DUI probably will not prevent you or your company from being approved for sponsorship. On the other hand, a felony conviction for fraud or financial crimes may be cause to reject your Approved July 2007 Page 5 of 18 Item # Question Answer application. 27 Is permission required for the SFI to have these Most applications for sponsorship include permission to obtain background checks run on my business or myself? information and credit checks. It is a federal regulation that financial institutions obtain permission for certain investigations such as personal credit checks. Other background checks, such as a D&B on your company or a check of public records, do not require your permission. However, an SFI wants the ISO to know exactly what type of information will be reviewed, so it is a business courtesy observed by most SFIs. 28 Can I receive a copy of whatever you uncover? Most SFIs will give you any documentation they receive, or they will give you the What are my rights regarding checking the source of the documentation and that source company will give you the information. accuracy of the information? If you are declined it is particularly important to understand the reason for the declination. This will give you an opportunity to dispute any incorrect information. Additionally, if you move from one SFI to another it may save you the cost of completing another background investigation. 29 Will I have an opportunity to explain if there is Generally, if an SFI finds derogatory information on a report, you will be contacted derogatory information on my reports? and asked to supply an explanation. In some cases, the SFI might request permission to conduct a more comprehensive background investigation to confirm your account of the situation. 30 What sorts of things will disqualify me from This will depend on the policies of your SFI, but possible disqualifiers might include receiving sponsorship? a criminal history of fraud or financial crimes, evidence that you or your company are involved in illegal activities or support such, serious questions about your ability to manage the financial and technical risks of driving ATMs, or financial insolvency. In addition, some networks maintain a list of companies with whom they refuse to do business. If you are on a network's "terminated for cause" list, the SFI will not be able to offer you sponsorship into that network. 31 Once I am approved, will this information ever be Some information will need to be reevaluated periodically. Most SFIs conduct reevaluated? Will I have to submit this annual reviews of their customers, which may require new credit checks and information again? financial information to confirm that no major changes have occurred in the last year. In cases where information expires, proof of renewal will be required. 32 What is OFAC and why does it apply to me? OFAC stands for the Office of Foreign Assets Control and is the federal agency responsible for tracking and preventing foreign money laundering by international drug dealers or terrorists. The agency periodically puts out a list of known or suspected dealers and terrorists. With the passage of the USA PATRIOT Act, all financial institutions are required to check their customers against this list in an effort to prevent money laundering through their institutions. This requirement also applies to Sponsorship customers. D. Review of Business Relationships 33 What do you mean by business relationship? You should provide a list of any DBAs used by your company, now or in the past. You should also disclose any names under which your company operated in the past. In their "Enhanced ISO/Service Provider Risk Standards," Visa requires this review of other business relationships and that these are checked against their list of disqualified entities by Visa. 34 Why would a business be disqualified by Visa or While the chances of being disqualified are slim, if a business repeatedly failed to Approved July 2007 Page 6 of 18 Item # Question Answer another network? abide by network regulations, a network could refuse to allow that business to participate in network sponsorship. 35 Does the sponsoring SFI require any kind of Some SFIs do require that a collateral fund be established, in the form of a letter of collateral fund be established? credit, personal guaranty by the principals or a CD on deposit with the FI. To a large extent, this depends on the services the SFI does for you (whether they also do settlement or provide vault cash, for example), as well as the underwriting guidelines of the SFI. E. Terminal Inventory Procedures and Controls 36 What information is required as documentation At a minimum, you need to document the actual, physical location of each ATM, for individual ATMs? whether currently in service or not. Then, depending on your networks and your SFI's requirements, you may also be asked to provide some or all of the following information: a. ATM makes and models; b. Terminal serial numbers; c. Terminal ID numbers; d. Software, hardware and firmware versions; e. Terminal owners' names and contact information; f. Terminal owners' Social Security Numbers; g. Terminal owners' driver's license numbers; h. Surcharge amounts; i. Names of companies or individuals providing vault cash, first and second line maintenance, key loading, etc. 37 Can the processor update the SFI or does the Since the Sponsorship Agreement is between the ISO and the SFI, the ISO is the ISO have to take that responsibility? entity responsible for seeing that all required information is reported to the SFI. However, the ISO may be able to direct the processor(s) to provide certain reports or information to the SFI directly on behalf of the ISO. This may require that a three- way agreement between all parties be in place. 38 Why do I have to report all my locations to my From a network prospective, the terminal is the responsibility of the SFI; at a SFI? minimum they are responsible for it and for maintaining detailed terminal inventory records. Additionally this is required under ANSI standards and most network regulations to help prevent fraud and is considered industry best practices. Also, many networks maintain online lists of terminals in their networks for the convenience of their cardholders. These networks require that SFIs submit quarterly databases showing all locations for the terminals they sponsor, so that they can keep their lists up to date. 39 What is this information used for? ATM location is critical when a processor or network determines suspected fraudulent transactions or that the ATM has been compromised. It also is necessary in the event a cardholder files a claim under Regulation E. Also, many Approved July 2007 Page 7 of 18 Item # Question Answer networks generate lists of terminal locations for the convenience of the cardholder trying to find an ATM. Terminals are often listed by sponsor and network regulations prohibit them from sharing proprietary information about the ISOs who own or place these ATMs. 40 Why do you have to know when I move a It is important that both the SFI and the networks have up to date and accurate machine as long as you know that I have it? information on the terminals you own and/or place. This facilities promotion of your business by referring cardholders to your machines as well as ensuring that all machines are protected against fraud. 41 Am I responsible for a terminal I sell? If you are still receiving any income from that machine you are generally seen as bearing the liability for that machine. You must include that machine in any reporting you make to your SFI. Even if you sell a terminal outright and do not continue to provide any services, you should always bear in mind the potential for abuse that machine has. Under no circumstances should you sell a machine to someone you know or suspect is engaged in criminal activity. New ATM Operator requirements now mandate checks on all individuals before selling the terminal. 42 Do my procedures have to be in writing? Yes, most network regulations require that all ISO procedures be documented. 43 What procedures should I have for managing my Terminal management procedures should include at a minimum: purchasing, terminals? installation, inventory control, inspection, and deactivation. Inventory control procedures should include detailed methods for keeping track of machines in storage or between installations, as well as the locations of all installed machines. PIN security procedures should document receiving, storing, accessing, installing, destroying, and deactivating encryption key components. These procedures will ensure the ISO knows how to manage key components in compliance with regulations. The ISO should also have procedures to ensure a paper trail of documents and that address dual control of key components. This will help the ISO protect against possible machine compromise. 44 Why do I have to report a machine that is not Machines that are being stored, especially if they are simply between installations, currently installed? are vulnerable to tampering and misuse. Stolen machines can be set up as dummies to skim card numbers. Accurate inventory control records, along with good security procedures, help insure that none of the machines currently installed have been compromised during a period of non-use. F. Conducting Audits 45 Which audits do I need to complete? The requirements for audits vary from network to network. The Associations (MasterCard & Visa) require the PCI audit that ISOs must complete before their initial registration and every year thereafter. The regional networks require the ANSI TG-3 audit and ISOs must complete it in even-numbered years. Also, some SFIs may require regular or occasional audits themselves, even if your network(s) does not. Check with your SFI to find out what its requirements are and which forms you will need to complete. 46 Where do I get such audits? Your SFI will provide copies of the audit(s) used by the network(s) you are participating in or you can contact the networks directly. 47 What do these audits measure exactly? The audits measure the security of the processes and equipment used to manage Approved July 2007 Page 8 of 18 Item # Question Answer PIN encryption. Specifically, they help determine whether your terminals are fully compliant with network standards and regulations and whether you and your staff have proper control procedures in place and are performing encryption key management duties according to recognized best practices. They will look at how you generate keys (if you do), how you store and transport keys or key components, how you load encryption keys into your terminals and how you protect the equipment itself from tampering. 48 Why do I have to do this audit process? What makes an ATM transaction one of the most secure financial transactions available is that each user has a personal identification number (PIN) known only to him or her. Protecting those PINs from compromise is the single most effective strategy for protecting the integrity of an ATM transaction and ultimately the public's faith in ATMs themselves. We protect those PINs by electronically encrypting them before they are transmitted over telephone lines for verification. If that encryption is compromised, it puts PINs at risk of being exposed. The audits are check-ups to ensure that the encryption and key control procedures are not subject to compromise and the entire system is operating optimally. 49 Will I ever have to do complete this audit Yes, as mentioned above, you will have to do this on a regular basis procedure again? 50 What documents do I need to pass such an The single most important thing you need to pass your audit is clear, detailed audit? policies and procedures for managing your equipment and your encryption keys. All audits have questions about whether those policies and procedures are in place and are followed. If you do not have policies and procedures, or if your staff is not trained to follow them accurately, you will have trouble passing your audit. At a minimum, you should have policies and procedures on the following: Terminal Management Key Management Purchasing Key Generation Installation Component Transport Inventory Control Component Storage Inspection Key Loading Deactivation Key Destruction You should also have policies and procedures on what to do in the event an encryption key is compromised or if you experience a disaster (e.g. hurricane, earthquake, tornado, etc.). In addition to policies and procedures, you also want to keep on file copies of the information you give to your ATM installers or encryption support organizations (ESOs) including copies of your policies and procedures and any information they supply to you. This could include Key Logs that document when a key is accessed or loaded into a terminal by your key custodians, whether by your employees or those of an external ESO, and copies of your contracts with your ESOs, sales representatives and merchants. It is also a good idea to have documentation that the ATM or POS terminals you have purchased are fully compliant with network regulations. This may include letters from the manufacturer Approved July 2007 Page 9 of 18 Item # Question Answer attesting that the terminal is equipped with an Encrypting PIN Pad and is capable of processing in the Triple DES encryption standard. Finally, if you have terminals that are not yet upgraded to the Triple DES standard, you should have on file a detailed plan for when and how you will complete those upgrades. 51 Is the SFI required to give notice prior to the Whether the SFI is required to give notice and how much notice is generally an audit, and if so, how much notice is typically issue between you and the SFI sponsor. Most PIN security audits are on a regular given? schedule (every year for the Associations and every even-numbered year for the regional networks), so you should have a pretty good idea of when you must complete your audit. In the event that the network or SFI decides to do an on-site audit, they will generally provide several weeks notice and will likely request certain information in advance to allow you the opportunity to prepare. 52 Who pays for the audit if it's done by an Again, this is a contractual issue between you and your SFI. One factor that might independent entity? determine who is responsible for the cost is whether the independent auditor is required by the network. At present, most networks do not require an independent auditor except in rare circumstances. Even processors are generally allowed to have internal auditors perform their annual audits, as long as that internal auditor is not directly responsible for the operations he or she is auditing. However, if the network or SFI believes there is a specific reason why an independent audit is warranted, check your contract to see if the ISO is required to bear some or all of that cost. Most likely, the ISO will be expected to pay expenses at least, if not both expenses and any auditor's fee. 53 Do I have the opportunity to resolve the identified Absolutely. If an audit uncovers a deficiency in your system or procedures, you will issues in a specified timeframe? be asked to file an exception report explaining what action you will take to correct the problem and when you expect to have it resolved. Networks may ask for an action plan and timeframe for resolution to a deficiency. Usually the network or SFI will set a date by which they expect you to have resolved all your issues. You often have room to negotiate this date if you can demonstrate progress or provide a good reason for further delay. However, if repeated audits have identified little or no progress toward resolving these issues, the networks and the SFI have the right to terminate your sponsorship arrangement without further notice. 54 What would be the audit procedures if I use a You are ultimately responsible for keeping your terminals in compliance even if you third-party to install and service my machines? outsource some of the maintenance and key loading services. If you use an Encryption Service Organization (ESO) or Third-Party Service Provider, you should make sure your contract ensures that the ESO or Service Provider will stay in compliance with network regulations and industry best practices. Give your ESO a copy of your policies and procedures and contractually obligate them to follow them or scrutinize their policies and procedures to make sure you are comfortable with them. You will be expected to answer the audit questions accurately on behalf of your ESO and/or rely on current third-party audits performed by certified auditors on that entity. G. Sub-Contractors 55 What is meant by "sub-contractors?" As your business grows, you may find you need to bring on more staff to sell your machines or services. Depending on your business model, it might be the case that Approved July 2007 Page 10 of 18 Item # Question Answer you bring on sales or service representatives as independent contractors rather than salaried employees. Sometimes you may contract with another ATM company to market your services, especially as you move into a remote territory. There are strict network rules that you must be aware of governing the way you can interact with contractors or companies that are not in your direct employ. 56 Can I hire independent contractors to sell or Yes, as long as it is done in a manner consistent with network regulations. PLUS service my machines? makes a distinction between an Independent Contractor (IC) and a sales representative. Although both may do merchant solicitation, sales or servicing for your registered ISO an IC is an individual who sells for your company but does so in his or her own name and receives compensation from the merchant or from a portion of the transaction fees. All ICs must be registered with PLUS and pay the annual registration fees. STAR does not allow ISOs to use ICs according to this definition. Other networks have not specified registration procedures for ICs at this time. On the other hand, most networks do allow you to employ sales representatives. Any representatives selling your machines or services must clearly represent themselves as working for your company. Their business cards and all marketing materials must be in your company's name. All sales they make must be in your company's name. Any agreements they make with merchant locations must be between your company and the merchant with no third-party agreements. Their wages, salary or commission must be reported on a 1099 form or a W-2. Sales representatives do not have to be formally registered with the networks but your SFI might require some form of documentation on any sales representative you employ. 57 How much information should I maintain on sales Your SFI might have specific requirements for what information you need to provide representatives or independent contractors? on your sales representatives. At a minimum, you should collect and confirm basic personal identifiers, such as name, address, date and place of birth, social security number, driver's license number, etc. You will want to get a signed release authorizing you or the SFI to conduct credit and background checks, if necessary. If you are contracting with a company to sell your services, you will want to collect basic corporate documentation and filing status. 58 What is the difference between a sales A sub-ISO is an ATM company that is not registered into a network and does not representative and a sub-ISO? What is a sub- have a direct relationship with either a SFI or a processor but makes an ISO? arrangement with another ISO to drive their ATMs under the latter's network affiliation. Most networks disallow this practice because it is difficult to enforce compliance with network regulations or to establish clear responsibility for an ATM in the event of fraud. Networks require that any single ISO placing ATMs be registered directly with the networks and have contracts in its own name. The registered ISO is at risk if they allow a company to operate in this fashion. They are allowing a company to use their sponsorship which is against network regulations. Not only could the ISO's sponsorship be cancelled, they may be placed on the network's "terminated for cause" list and not be able to obtain sponsorship from any SFI. The registered ISO is also fully responsible financially for any settlement loss this sub-ISO may sustain. A small start-up company may find it beneficial to place machines or sell services on behalf of a more established ISO until the start-up has Approved July 2007 Page 11 of 18 Item # Question Answer the necessary resources to establish its own sponsor and network business relationships. This arrangement is acceptable as long as there is a clear contractual relationship between the start-up company and the registered ISO and all marketing materials and placement and servicing agreements are in the name of the larger company. Careful records must be maintained, including terminal inventory records, so that there is never any question regarding responsibility for those ATMs. 59 Do I need to register the Independent Contractor Visa/PLUS requires registration for Independent Contractors but not for sales (IC) or sales representative? What does such representatives. The initial Visa/PLUS registration fee is $1,000 for each IC, with a registration cost? Will I be charged or will the SFI $500 annual renewal. Visa/PLUS will bill the SFI for these costs, and in most cases, be responsible for the costs? the SFI will pass the costs along to the ISO who can, in turn, pass them on to the IC. STAR does not require sales representatives to register and does not allow ICs. Other networks do not require either to register at this time. SFIs might require some form of documentation on any sales representative you employ. 60 I have a company that loads keys and services A company that only performs first line maintenance (e.g. changing receipt tape, ATMs. Do I need to be sponsored into the fixing dispenser jams, etc.) on ATMs usually does not need to be registered with the network also? Do I need to be registered? networks. However, if the company loads or reprograms terminal software or loads encryption keys or components, many networks require that this type of organization be registered as an ESO. Some networks have fees associated with ESO registration. 61 Is there additional insurance required by the SFI Depending on the SFI's underwriting criteria, the SFI may require an ISO to carry for the IC, sales representative, or ESO? additional insurance to cover its contractors and vendors, or the SFI may require that the ISO show proof that the contractors and vendors carry adequate insurance of their own. As a prudent business practice ISOs should maintain general liability coverage for potential losses arising from their business practices or from services performed for or on their behalf by others. 62 Does an ISO qualify as an ESO? Generally, if an ISO is only loading keys in its own machines and not contracting out to load keys for other ISOs, it is not considered an ESO for the purposes of network registration. If an ISO is performing key loading or programming services for other ISOs or financial institutions, it would be considered an ESO and would be subject to registration as such with the networks. 63 What is an ESO? An ESO is an organization that performs encryption services such as ATM and POS terminal software loading or encryption key injection. Also, an ESO's responsibilities may include providing Internet devices to Account Holders or validating authentication tokens. H. General Business Practices 64 What is an ATM Operator? The term ATM Operator is defined by PLUS as a nonmember entity authorized by a member or its agent to originate a PLUS transaction through the connection of an ATM to the PLUS system and that displays the PLUS symbol. ATM Operators own, operate, or lease ATMs that are connected to the PLUS system and may exhibit any of the following: 1. Receive revenue from the interchange/fees; 2. Manage cryptographic functions; Approved July 2007 Page 12 of 18 Item # Question Answer 3. Or stock ATMs with cash. Note: This excludes courier services. 65 What knowledge or information should I collect If you are selling the ATM to a merchant, at a minimum, you should be collecting the on the ATM Operator? following merchant information: a. Merchant name and any DBAs. b. Physical location address of the terminal. c. Owner/principal's name, address, date of birth, and social security number. d. Verification that the merchant was identified by a driver's license or some other official identification with a photograph. e. A disclosure and authorization release that allows the SFI access to conduct credit checks and background investigations on the entity and principals. f. Terminal manufacturer, model number and serial number (EPP & terminal). g. Terminal software, hardware and firmware versions. The SFI will want to verify the identity (name/address/social security number) of the merchant against the list of suspected drug traffickers or terrorists maintained by OFAC as required by the USA PATRIOT Act. If you are not actually selling the machine, but merely placing it in the merchant location, you should still collect basic information on the business and its owner(s), including a business license and the names, addresses and phone numbers of the principal owners. In every case, you should also have an agreement with the merchant for providing services (i.e., a full service turnkey placement). The ISO is encouraged to have any agreement used by the ISO reviewed by an attorney to ensure the merchant is held to the same standards compliance as the SFI (and networks) holds the ISO. The ISO should always use prudent business practices to ensure the terminal is not subject to tampering or compromise in the merchant's location. If the merchant is allowed any access to the ATM (i.e., the merchant loads cash or performs service), then the ISO should treat it as a sale, even if you maintain legal ownership of the machine, and collect the highest level of due diligence requested by your SFI. The ISO should also have policies and procedures in place to ensure that the terminals operated by their merchants are reviewed and on a regular basis, physically inspected for any signs of tampering or potential compromising activity at the terminal. 66 What kinds of knowledge and information should ISOs should use prudent business practices when selecting any vendor for services I collect on the vendors I use to service my at the terminal, especially if those services could result in a security compromise at machines? the terminal. If your vendor is an ESO performing key encryption or software programming services on your terminals, they will be subject to registration in Approved July 2007 Page 13 of 18 Item # Question Answer certain networks, which means the information required on them could be extensive. Inform your SFI of any vendors you use, so your SFI can determine the level of registration required by each Network. 67 What constitutes adequate operational reporting? The specific reports required will vary according to the SFI. However, it is likely the What reports should I have available for my SFI? ISO will have to submit the following reports: Monthly: transaction history for billing purposes. Quarterly: database containing specific information about each terminal and quarterly reports providing number of merchant locations. Annually: updated financials on the ISO, updated financials on the principals, copy of current insurance coverage and PIN security self-audit(s). Periodically: information on transaction volumes, Reg. E claims, and adjustments filed on behalf of the merchants, notification of any changes in ownership or other material changes in the ISOs operations and audits of merchant accounts. 68 In what format should this documentation be The SFI will probably want information provided electronically as much as possible provided? with paper back-up as requested. Most of the information regarding the merchant should be made available to the SFI via the terminal set up information procedures with the ISO's processor. The SFI will need documentation that the merchant was identified by driver's license or some other forms of picture ID. 69 What does the SFI recommend I include in my In your contract with your processor(s), your SFI may require a clause that gives the contracts with merchants and vendors? processor permission to release transaction and terminal compliance information directly to the sponsor for reporting purposes. You may want to consider the types of exception reporting you require on possible compromises and include language in your contract to cover that. In your merchant agreements, you should include permission to do background and credit checks and language echoing your sponsorship agreement obligating the merchant to abide by all network regulations and protect the terminal from tampering. Also, you may wish to limit the degree to which ATM servicing contracts could be assigned in the event the merchant sells the ATM or the business. 70 How do I ensure that my customer information is Any agreement between the ISO and SFI should be reviewed by the ISO's attorney not used by the SFI for their gain? and should have a confidentiality and non-disclosure clause that addresses the use, if any, of customer information by the SFI for any purposes other than those solely related to sponsorship. 71 How should I define protection of records? The ISO should take reasonable precautions in backing up their computers, maintaining firewalls and protecting merchant information. Always store encryption keys and components in appropriate security containers under the principles of dual control and split knowledge. Contracts should be stored in fireproof safes. Personal information about merchants, vendors, employees, and anyone else with whom you do business should be kept private. Verify with your SFI the length of time the SFI Approved July 2007 Page 14 of 18 Item # Question Answer requires records to be maintained on the merchants following termination of any sponsorship relationship. 72 What is meant by adequate exception reporting Terminal compromise or attempted terminal compromise is usually detected first by processes? your processor and their software is required to have exception reporting. Your processor will provide exception reports of any terminal activity outside of normal activity. Your procedures need to reflect that these reports are consistently reviewed and agreed to, with initials of the reviewer and date reviewed. Ask your processor about the types of exception reporting available. I. Hardware Compliance 73 What documentation do I need to show that my A terminal manufacturer can provide you with a certification letter that states which machines are in compliance? terminal devices and software versions are in compliance with the network security standards and which units have an Encrypting PIN Pads (EPPs) in a tamper resistant security module (TRSM). The letter should be issued from the technical or service department, not from the sales department. Additionally, Visa has contracted with several labs that will be responsible for certifying ATM hardware and providing an approved device list for all devices that have been certified by their lab. This list is provided at www.visa.com/pin. 74 Where can I find out the technical standards that Technical standards are outlined in most networks' regulations which your I need to look for in a machine? sponsoring institution should have available. You can also purchase the American National Standards Institute (ANSI) standards documents X9.24 and X9.8, on which the network regulations are based by going to the ANSI web site: http://webstore.ansi.org/ansidocstore/dept.asp?dept_id=80. 75 Aren't all machines sold now compliant with the No, however, since all new ATMs must be in compliance with the network regulations? regulations as of October 1, 2005, you will need to verify with each manufacturer that the machines you are purchasing are Triple DES compliant and have encrypting PIN pads. If you are purchasing used ATM hardware, those machines may not comply with the network regulations because companies selling ATMs are still in the process of clearing their inventory of non-compliant machines. Be sure you get a complete and accurate description of all the machine's software, firmware and hardware and verify with the manufacturer that the machine meets all network requirements. 76 Is there any central place I can go to find out if a Visa offers an approved device list for all devices that have been certified by an machine is compliant? independent lab. This information is available at www.visa.com/pin. 77 What is an Encrypting PIN Pad? On an ATM, a PIN Pad is the keypad device where the consumer enters their PIN. An encrypting PIN Pad means that the encryption of the consumer's PIN is handled within that PIN Pad device as opposed to somewhere else within the ATM. An encrypting PIN pad is itself a Tamper Resistant Security Module (TRSM), which means it cannot be physically accessed or modified without destroying the device and all software and information stored inside, including encryption keys. 78 Are there any waivers granted for non-compliant While there are no general waivers being granted at this time, the networks are ATMs? giving terminal owners and operators time to comply with their regulations before imposing fines. However, until compliance is obtained, full liability in the event of a Approved July 2007 Page 15 of 18 Item # Question Answer card compromise is placed entirely on the ATM owner. 79 Are there any ATMs grandfathered? At this time, the networks have not agreed to grandfather any ATMs past the mandatory compliance dates. 80 What are the timeframes required for Triple DES The mandatory compliance dates for TDES vary according to network and are compliance? subject to change. The initial deadlines posted by the networks are as follows: April 1, 2005 All ATMs in the Cirrus network must be fully TDES compliant. June 30, 2005 ACCEL/Exchange Network – Each Acquirer Processor that supports PINs for Network transactions must employ Triple DES (double key length) for PIN block encryption in compliance with ANSI X3.92: 1987, Data Encryption Algorithm, and ANSI X9.52: 1998, Triple Data Encryption Algorithms Mode of Operation, to protect the PINs during interchange and transmission of transactions. December 31, 2005 All ATMs in the regional networks must be fully TDES compliant. December 31, 2007 All ATMs in the PLUS network must be fully TDES compliant. July 1, 2010 ACCEL/Exchange Network – all POS devices participating in the Network that support PIN acceptance are required to use Triple DES (double key length) or singles DES with Derived Unique Key per transaction (DUKPT) for PIN block encryption. The networks have taken the position that ATMs should have always offered an EPP; therefore, they have not documented a specific deadline as to when an ATM must support an EPP. 81 What if all my ATMs are not compliant and it If this situation occurs, you should discuss this with your SFI. An SFI may request requires a significant investment to upgrade or an extension to the network deadlines in order to give you adequate time to comply totally replace them? with the regulations. However, an extension represents a period of time exempt from fines but does not represent a release from liability. 82 How do I find out what software version I'm Identification of the software will depend on each ATM manufacturer and model. running? Software version can be identified two ways for most ATMs with terminal based software such as a Triton, Tidel or Tranax. The first method is to go to the terminal and enter the management functions of the ATM to pull a Terminal Configuration report. You will find the software version printed on that report. The second method is to dial into the ATM and pull down that information with a terminal management software package such as Triton Connect or Tidel AIMS. For Host-based ATMs, you should contact the terminal manufacturer to determine the best method to Approved July 2007 Page 16 of 18 Item # Question Answer retrieve this information. It may not be sufficient to rely on the manufacturer's specifications for software in a machine. A machine that left the factory with one standard software package installed may have had upgrades to another software version. Contact your machine manufacturer to accurately determine this. 83 What is firmware? How do I know what firmware Firmware is software imbedded in a chip or other piece of hardware. Firmware is version I'm running? static and cannot be changed or upgraded the way most software can. Identification of the firmware will depend on the ATM manufacturer and model. Most ATMs with terminal based software such as a Triton, Tidel or Tranax machines will have the firmware information stored in the Terminal Configuration report. For Host-based ATMs, you should contact the terminal manufacturer to determine the best method to retrieve this information. Firmware cannot be upgraded or changed. You may be able to retrieve this information from the manufacturer if you have the ATM serial number. J. Due Diligence Record Retention 84 Is it my responsibility to verify that my SFI is No, this is a responsibility the networks and regulators place on the SFI. It is, maintaining these records? however, your responsibility to supply adequate information to your SFI so that the records they maintain on your ISO(s) are complete. 85 How long should I keep my records after I cease In general, most records should be kept for a minimum of five years after the doing business with a merchant, ESO, or SFI? termination of the business relationship. You should, however consult with your SFI to see what they require. 86 What is my responsibility for maintaining records As soon as you make the decision to sell or dissolve your business, you should if I sell my business or go out of business? inform your SFI of your intentions and your plans for your terminal inventory. You may incur some fines from early cancellation of the sponsorship agreement. Do not assume you can assign your sponsorship contract to the new owners if you are selling. There may be limitations or restrictions on whether your entire contract or portions of it can be assigned. Be prepared to provide your SFI with an accurate and updated list of your terminals and their locations. If you are de-installing your terminals, your SFI may request proof that all encryption keys were erased from the machines. Obtain legal advice concerning any ongoing legal liabilities you may have in connection with contracts you have signed. 87 What if I buy a business? What responsibility do I The following provides a few suggestions on acquiring a new business: have maintaining their old records or if their records are not complete? 1. You will be required to verify the terminal information and ensure that it is up to date. 2. Comply with any network regulation concerning terminal compliance. 3. Verify ATM activations to ensure that ATM key components have not been compromised and seriously consider changing key components. 4. Get processor reports verifying, full component keys, unique keys and PIN Pad blocking for all your computers. 5. Inspect ATMs to ensure they are secure and have not been tampered with or Approved July 2007 Page 17 of 18 Item # Question Answer compromised. 6. Determine with the SFI if the sponsorship agreement is assignable and supply new ownership information. 7. Verify with each Merchant the terms of the agreement and merchant data to ensure there have been no ownership changes. Update merchant records with any changes. K. Anti-Money Laundering The FFIEC Bank Secrecy Act Anti-Money Laundering Examination Manual outlines the responsibilities of the sponsoring bank's risk management requirements. Please contact your Sponsor Bank for its directive relative to compliance with the regulation. 88 Approved July 2007 Page 18 of 18
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"ATM Best Practices Approved 07"Please download to view full document

subset: commoncrawl


text:
- Photos Bandit Robs La Mesa Bank in Dress Shirt, Skinny Tie
- Video Local's Mission: Making Vintage VW's Electric
- Video Beware of Scammers With Toll Road Payment Ploy
- Updated Weather Blamed for Fire at S.C. Church
- Intelligence Agencies File Forms Old-School After...
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Tight end Antonio Gates will miss four games next season. Read More
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- Video Security Ramps Up for July 4
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The city of Poway recently dumped 550,000 gallons of drinking water from a reservoir... Watch Video
Life doesn't always have to be go, go, go. Sometimes you just need to chill out... Read More
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Effective Wednesday, newly-purchased smartphones in California will be required... Read More
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Fallon tweeted Friday that he tripped and when he caught his fall his ring caught... Read More
The capes are on the critters and adoption love is in the air. Read More
The 2015 FIFA Women's World Cup, which kicked off last weekend, is the seventh women's... Read More
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California water regulators say cities showed their best drought conservation yet... Read More


text:
LVF's short but turbulent history (Northern Ireland)
The short but turbulent history of the Loyalist Volunteer Force mixed bouts of savage blood-letting with bizarre and unpredictable political gestures.
The organisation was created when a faction of the UVF in Portadown rejected the decision of their leaders in Belfast to declare a ceasefire in 1994.
Under the leadership of the local paramilitary warlord Billy Wright, the LVF committed itself to the traditional loyalist belief that the nationalist community could be terrified into demanding an end to IRA violence by a campaign of random murder directed against it.
The UVF leadership was furious at Billy Wright's act of rebellion - but they were wary of his reputation for savage, clinical efficiency as a killer and also of his popularity.
When the UVF tried to order him out of Ulster, thousands of Protestants turned out at a rally called to support him. The seeds were laid for future conflict between the UVF and the LVF.
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- Stephanie Coontz's work on the history of marriage cited by the Supreme Court.
- How Does It Feel To Have One's Work as a Historian Cited by the Supreme Court? Cool. Very Cool. Thank You Very Much.
- NYT History Book Reviews: Who Got Noticed this Week?
- David Hackett Fischer wins $100,000 prize for lifetime achievement in military writing


text:
Paul Simon
Blue notes
Paul Simon's association with jazz and blues has been strong and consistent throughout much of his career, and it informs So Beautiful Or So What, out now on Hear Music, in several important ways.Sunday, 24 April, 2011, 12:00am
Paul Simon
Still Crazy After all These Years (Columbia)16 Nov 2008 - 12:00am
Paul Simon
Paul Simon
(Warner Bros)
'Produced by Paul Simon' declare the liner notes for his best-sounding album in years, but, as Brian Eno is credited with supplying the 'sonic landscape', Andy Smith with the recording and programming, and Tchad Blake with the mix, what Simon did in the control room is difficult to imagine.25 Jun 2006 - 12:00am
Simon and Garfunkel
SIMON and Garfunkel's only Asian appearance on their Together Again mini-world tour was a sell-out, with 8,000 fans in Singapore paying the highest local ticket prices ever to attend the concert at the Indoor Stadium last Sunday night.
But that gig should have been in Hong Kong. The Arena Group was all set to stage it here, however the duo refused to perform at Happy Valley.7 Dec 1993 - 12:00am
Paul still a friend after all Art's hurt
ART Garfunkel says Paul Simon is his friend for life, even though his former singing and songwriting partner hurt him by diminishing his contributions through the years.
Among other things, Simon erased Garfunkel's vocals from the 1983 Hearts and Bones disc that was intended to be a reunion record.15 Nov 1993 - 12:00am
Same old sounds from rhymin' Paul Simon
Paul Simon 1964/1993 , Paul Simon, Warner Bros.
IT'S more than just rhymin'. Paul Simon's strength has always been his ability to capture the mood of a country, a snapshot of a moment in time.8 Oct 1993 - 12:00am
Stars unite to help the children
SIMON and Garfunkel played such hits as Sounds of Silence and Bridge Over Troubled Water in a benefit that raised US$1 million (HK$7.73 million) for the Los Angeles Children's Health Project.
Neil Young also performed and Steve Martin offered comedy between sets. Celebrities in the audience included Jack Nicholson, Alec Baldwin and Kim Basinger.4 Mar 1993 - 12:00am


text:
Search the collections
Where is it from?
- A Place & Date Depicted Eureka, Australia
Similar items over time
Negative - Eureka East, Victoria, 1926 Reg. No: MM 002422
- Description Of Content:
- A group of girls at the Eureka East School picnic.
- Acquisition Information:
- Copied from Dorothy Price, 1985
More information
|Tagged with:
|leisure, picnics picnicking, recreation, schools, social activities, students
|Themes this item is part of:
|Images & Image Making Collection, Leisure Collection, Public Life & Institutions Collection, The Biggest Family Album in Australia Collection
|Primary Classification:
|Secondary Classification:
|Images (To Be Classified)
|Tertiary Classification:
|images (to be classified)
|Organisations Depicted:
|Eureka East School Picnic
|Negative: Black & White; 35 mm
|Place & Date Depicted:
|Eureka East, Victoria, Australia, 1926
This item is part of the following themes:
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text:
|ISSN 1088-6850(online) ISSN 0002-9947(print)
Short-time existence of the Ricci flow on noncompact Riemannian manifolds
Abstract | References | Similar Articles | Additional Information
Abstract: In this paper, we give the first detailed proof of the short-time existence of Deane Yang's local Ricci flow. Then, using the local Ricci flow, we prove the short-time existence of the Ricci flow on noncompact manifolds, whose Ricci curvature has global lower bound and sectional curvature has only local average integral bound. The short-time existence of the Ricci flow on noncompact manifolds with bounded curvature was studied by Wan-Xiong Shi in the 1990s. As a corollary of our main theorem, we obtain the short-time existence part of Shi's theorem in this more general context.
Retrieve articles in Transactions of the American Mathematical Society with MSC (2010): 35K45, 53C44
Retrieve articles in all journals with MSC (2010): 35K45, 53C44
Additional Information


text:
Original recipe yields 4 servings
Amount per serving ({{servings}} total)
Based on a 2,000 calorie diet
Ready In
Delicious! I did use more avocado than called for but that is just because I love them! My granddaughter said to serve this on a ham sandwich and you'd have Green Eggs and Ham!
Fabulous idea for a healthier "mayonaise". I thought that 1/2 an avocado was just right for this recipe, I'm thinking of using avocado in my tuna next time too! Thanks for a great recipe idea!
I haven't had egg salad in years. I've been wanting to make some since I now have my own chickens. This recipe was so good. Definitely a keeper! I did use more avocado and in place of the sa...


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Carli Lloyd Demand Spikes After WC Final Andy Murray Picky With Endorsements NBC Lands New Advertisers For Race Coverage Tennessee Unveils New Nike Uniforms New Balance Launches Global Campaign P.F. Chang's Out As Arizona Marathon Sponsor Mizzen+Main Growing Thanks To Athlete Customers Marketplace Roundup Chevy The Latest Daytona Rising Founding Partner Notre Dame Signs Licensing Deal With Fermata
Upcoming Conferences and Events
Sep 17
Oct 28-29
Nov 4-5
Dec 9-10
SBD/April 8, 2014/Marketing and Sponsorship
Marketplace Roundup
Published April 8, 2014
DAVID'S SONG: WOMEN'S WEAR DAILY's Lisa Lockwood cites sources as saying that David Beckham has been "talking to several companies, including Li & Fung, about doing his own sportswear collection." But the sources said that "no deal is imminent." Beckham has been "raising his fashion profile with several collaborations," including a swimwear and bodywear deal with H&M, a men's fragrance partnership with Coty and an apparel deal with adidas (WOMEN'S WEAR DAILY, 4/7 issue).
CHECK YOUR HEAD: Schutt Sports is introducing a collection of NCAA authentic helmet collectibles. The new NCAA Authentic Collectibles Line will feature nearly 300 different helmets from nearly every major FBS and FCS school in the country. The list includes the alternate helmet market, in which schools introduce new helmets to wear for select games (Schutt).


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Wildflowers around Pemberton
Pemberton was day 5 of our wildflowers and wineries tour. There were still many wildflowers to find.
- Photography
Colourful Birds
Around the foot of the Gloucester tree you will see a wonderful scene of colourful wild parrots. They are very friendly and you can feed them very easily. The parrots are a Western rosella
- Historical Travel
- Photography
Pemberton Historical Precinct Park
Just across from the Visitors Centre is the Historic Precinct Park. The park is small but it has an old steam train, a cannon, a couple of picnic tables and some benches.
- Photography
- Historical Travel
- Arts and Culture
Cascade Falls
This is The Cascade Falls one of the attractions advertised, not exactly Niagara , however if you have never been on a tram through bush then its a very relaxing way to spend a couple of hours.
Trip on The Pemberton Tramway
We have now stopped at the Cascade Waterfall, Warren River, not really a lot to see, but been there done that now, make up your own mind.
This is a forestry town, where train and indeed transport played an important part.
Pemberton is aprox.335k south of Perth.
Gloucester Tree
This tree is the highest fire lookout tree in the world, it has 153 runs with a viewing platform 60m above.
- Hiking and Walking
- National/State Park
Beedleup National Park
Beeleup national Park, with its "walk through 400yr old Karri tree".
This 3x4m hole was man made taking 10hrs to cut with a chainsaw.
- National/State Park
- Hiking and Walking
- Family Travel
Instant Answers: Pemberton
Get an instant answer from local experts and frequent travelers


text:
Pat Toomey
Victim Of Connecticut School Shooting Honored In Gloucester County During Remembrance Ceremony
Thursday afternoon Gloucester County officials held a ceremony, in honor of National Victim's Rights Week, to remember residents who've died because of violent crimes.
Stigall Show Log 5.2.13
Chris details the story of a woman who has reappeared 11 years after walking away from her family, the decision to offer Plan B over the counter to girls as young as 15, and the third day of deliberations in the Kermit Gosnell trial. He also talks to Senator Pat Toomey, RNC Chairman Reince Priebus, and Scott Wagner, owner of Penn Waste Inc.
Despite Compromise Failure, Pa. Voters Approve of Toomey's Gun Legislation Effort
A new poll indicates that US senator Pat Toomey (R-Pa.) has scored points with Pennsylvania voters for his stance on background checks for gun purchases.
Stigall Show Log 4.25.13
Chris reviews his appearance at yesterday's Homeruns for Hearts fundraiser at Citizens Bank Park, Senator Pat Toomey's assessment of why his gun legislation failed to pass, and Kermit Gosnell's lawyer's decision not to call a witness in his defense. He talks to Congressman Frank Lobiondo, Melissa Henson from the Parents Television Council, Comedian Gilbert Gottfried, and the founder of Retro Fitness, Eric Casaburi.
Stigall Show Log 4.24.13
Chris discusses the dismissal of some charges in the trial against Kermit Gosnell, Pat Toomey's response to the delays caused by FAA furloughs, Pennsylvania Democrats efforts to get Governor Tom Corbett to accept the Medicaid expansion under the Affordable Care Act, and the reported motivation of the Boston Marathon bombers. He also talks to J.D. Mullane from the Bucks County Courier-Times.
Stigall Show Log 4.18.13
Chris gives updates on the fertilizer plant explosion in Texas and discusses the failure of the Toomey-Manchin compromise to pass in the Senate, as well as, CNN's wrongly reporting an arrest in the case of the Boston Marathon bombing. He talks to David Keene, the President of the NRA, J.D. Mullane from the Bucks County Courier Times, former Secret Service Agent Dan Bongino, and body language expert, Dr. Lillian Glass.
Stigall Show Log 4.17.13
Chris discusses the latest news from Boston after the bombing attack on Monday and Planned Parenthood inviting Gloria Steinem to Philadelphia. He talks to former Eagle Brian Dawkins and Nick Keller from Beyond Sport, Jeffrey Lord from the American Spectator, Tom McGrath from the Philly Post, and Actress Roma Downey, who plays Mary in the Bible Series on the History Channel.
Stigall Show Log 4.16.13
Chris details the events of the explosions at yesterday's Boston Marathon. He talks to Police Chief Charles Ramsey about Philadelphia's readiness to deal with such an attack, and Malvern resident Will Mullen, who ran in the race. He also talks to Andrew McCarthy, from National Review, about the media jumping to conclusions and also to James Hirsen from Newsmax about Saturday Night Live's handling of the debate over gun control.
Stigall Show Log 4.15.13
Chris expands the show to four full hours this morning by discussing the ongoing debate on gun control and media coverage of the Kermit Gosnell trial. He talks to Governor Tom Corbett from Chile, Phillies Manager Charlie Manuel from Miami, Michael Bronstein and Jeff Roe on the Monday Morning Matchup, and Dick Morris before he begins his new show on Talk Radio 1210.
Stigall Show Log 4.12.13
Chris concludes his week of broadcasts from the Heritage Foundation in Washington DC with Pennsylvania Congressman Jim Gerlach and New Jersey Congressman Scott Garrett. He also talks to Steve Cordasco on Finance Friday and reviews the first full week of the Phillies season with CBS 3's Beasley Reece.
Stigall Show Log 4.11.13
Chris talks to Senator Pat Toomey about his compromise with Democrats for background checks on gun purchases and Senator Paul Ryan about President Obama's latest budget proposal. He also talks to Tim Goeglein from Focus on the Family about the latest trends on abortion and out-of-wedlock births.
Sen. Toomey Offers Measure To Expand Background Checks on Gun Sales
If approved, Toomey's measure would expand the scope of background checks on gun purchases to include sales at gun shows and over the Internet.
Stigall Show Log 4.10.13
Chris is suspicious of Senator Pat Toomey's secret negotiations of gun control legislation as well as the media coverage of the Kermit Gosnell trial. He talks to Tom Fitton from Judicial Watch, Frank Gaffney from the Center for Security Policy, Author Richard Miniter about his book, Leading from Behind, and President of the Heritage Foundation, Jim DeMint.
Rendell, Nutter Say Sen. Toomey May Budge On Gun Control Legislation
"No reasonable person can object to universal background checks," Rendell said outside Sen. Toomey's Philadelphia office.
Gun Safety Advocates Press Sen. Toomey To Support Stronger Gun Laws
About a dozen people came quietly into the lobby of the office building, carrying signs and stacks of petitions, where they were met by a representative from Sen. Toomey's office.


text:
Taylor Swift looks poised and perky as she arrives at a London airport on January 21, 2013.
What is better than one shirtless Efron brother? Two shirtless Efron brothers!
Justin Bieber became the butt of all jokes after his recent post.
Kendall and Kylie Jenner both just stepped out in crop tops. Who wore it better? Check out the pics below!


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text:
Grand Hyatt Seattle
Grand Hyatt Seattle
Hotel Guest Rating: 9.2/10
721 Pine Street
Seattle, WA 98101
Hotel Freebies Available*
• Bed and Breakfast show dates
• Save 25% on select dates show dates
• Free Internet in Public Areas show dates
Welcome to the Grand Hyatt Seattle
Free Wi-Fi, a hot tub and sauna and the Monorail to the Space Needle a two-block stroll away make for a grand Northwest experience at the Grand Hyatt Seattle, one of the most popular hotels in the city among Priceline guests.
Hotel Features
The 30-story Grand Hyatt has a Pacific Northwest feel and boasts a top-notch art collection, with regionally-inspired glass art in the lobby and a bronze statue in front of the hotel. The 425 contemporary rooms have original artwork, mahogany furnishings, onyx accents, Travertine floors, Carrera marble bathroom floors and plush signature beds with pillowtop mattresses and cotton-rich linens with triple sheeting. The upper-floor rooms have views of Elliott Bay, Lake Union or the mountains. Room amenities include soaking tubs, Wi-Fi, flat-panel TVs with premium cable and iHome stereos with iPod docking stations. Pack your bathing suit for some relaxation in the hot tub, steam room and sauna. The hotel also has a 24-hour fitness center, day spa and massage, parking (for a fee), coffee stand, lounge and steakhouse.
Hotel Location
The Grand Hyatt is on Pine Street, two blocks east of the Monorail to the Space Needle at Westlake Center. Nordstrom and the upscale Pacific Place Mall are one-and-a-half blocks, and Pike Place Market is six blocks southwest of the hotel. If you're driving from Sea-Tac International Airport, the hotel is 14 miles north.
Guest Favorites
Priceline guests gravitate to the Grand Hyatt for its thoroughly Seattle feel, sumptuous, high-tech rooms, hot tub and downtown location.
Grand Hyatt Seattle Amenities
- 24-hour front desk
- Accessible facilities
- Accessible parking
- Accessible room
- Air conditioning
- Air conditioning individually controlled in room
- Alarm clock
- AM/FM radio
- ATM/Cash machine
- Barber shop
- Beauty shop/salon
- Bell staff/porter
- Business center
- Cable television
- Catering services
- Check-in kiosk
- Children welcome
- CNN available
- Coffee shop
- Color television
- Complimentary in-room coffee or tea
- Complimentary newspaper in lobby
- Concierge desk
- Conference facilities
- Connecting rooms
- Currency exchange
- Desk with electrical outlet
- Direct dial telephone
- Dry cleaning
- Early check-in
- Executive floor
- Exercise gym
- Exhibition/convention floor
- Express check-in
- Express check-out
- Family plan
- Fire safety compliant
- Front desk
- Full american breakfast
- Full service housekeeping
- Hairdresser/barber
- Hairdryer
- Handicap rooms
- Health club
- Heated guest rooms
- High speed internet access fee
- High speed internet access for laptop in public areas
- High speed internet connection
- Housekeeping - daily
- Individual Efolio available
- Indoor parking
- Interior corridors
- Iron
- Ironing board
- Late check-out available
- Laundry/Valet service
- Lobby coffee service
- Lounges/bars
- Massage services
- Meeting rooms
- Non-smoking
- Non-smoking rooms (generic)
- On-site business center
- On-site business center is staffed
- On-Site parking
- Parking
- Pets allowed
- Photocopy center
- Private bath or shower
- Public address system
- Public area air conditioned
- Remote control television
- Room service
- Room service - limited hours
- Safe deposit box
- Sauna
- Secured parking
- Security
- Shoe shine stand
- Snow sports
- Storage space
- Telephone
- Telephone jack adaptor available
- Train access
- Translation services
- Transportation
- Transportation services - local area
- Transportation services - local office
- Turndown service
- Valet cleaning
- Valet parking
- Valet same day dry cleaning
- Voice mail
- Wakeup service
- Water sports
- Whirlpool
- Wireless connectivity
- Wireless internet connection
- Wireless internet connection in public areas
Hotel Information
You must show a valid photo ID and credit card upon check-in. Please note that all special requests cannot be guaranteed and are subject to availability upon check-in. Additional charges may apply.Please note: Roll-aways are not allowed in rooms with two beds already present.Please contact Grand Hyatt Seattle concierge daily from 07:00- 17:00 at 206-774-1234 for any information on Seattle attractions. Guests are required to show a photo identification and credit card upon check-in. Please note that all Special Requests are subject to availability and additional charges may apply.
Hotel Guest Reviews of the Grand Hyatt SeattleOur hotel ratings and reviews are from real hotel guests. Priceline.com ensures that its reviews are guests-only by proactively sending hotel surveys to customers after they've completed their hotel stays. In the post-stay surveys, priceline.com hotel customers are asked a number of questions about their stay and the hotel. On a scale of 1-10 with 10 being the best, the survey asks guests to rate their overall experience and specifically rate the hotel's cleanliness, staff and location. Priceline.com does not allow site visitors to post unsolicited hotel reviews.
Sort by: All Travelers | Business Traveler(17) | Solo Traveler(19) | Traveling as Couple(108) | Family with Young Children(17) | Family with Teens(10) | Senior Traveler(2) | Group Traveler(13)
Verified Hotel Guest from Peachland, Canada
June 23, 2015
June 23, 2015
Great Hotel! Great Location!
Verified Hotel Guest from Wayne, MI
June 22, 2015
Family Traveling with Teens
June 22, 2015
Family Traveling with Teens
Close to monorail, close to Pikes Market, close to shopping & close to restaurants.
Paula from St Paul, MN
June 18, 2015
Group Traveler
June 18, 2015
Group Traveler
The room was small, I had to call for towels and toiletries the first day, the ony gave us enough for 1 person when we paid for 3. The same for toilet paper. They knew the hidabed would be used, had to call for bedding and pillows. Parking cost 30$ Day
Laura from Los Angeles, CA
June 14, 2015
Business Traveler
June 14, 2015
Business Traveler
Great bathrooms - large soaking tub, plenty of room for toiletries. Comfortable bed. Room had blackout drapes. Second time I've stayed here...would stay here again!
Room Service menu looked unappealing, so didn't use it. Ate breakfast and one evening meal downstairs at Ruth's Chris (amazingly, for a steak house, they had a great breakfast).
Rosary from Everett, WA
June 4, 2015
June 4, 2015
Beautiful, clean and spacious rooms.
Parking was expensive, but I guess that's Seattle!
Tom from Missoula, MT
May 7, 2015
Business Traveler
May 7, 2015
Business Traveler
The staff was helpful and at our service.
Mauricio from Garza Garcia Nl, Mexico
April 14, 2015
Solo Traveler
April 14, 2015
Solo Traveler
Verified Hotel Guest from Honolulu, HI
April 13, 2015
Business Traveler
April 13, 2015
Business Traveler
The hotel is centrally located downtown in Seattle, making travel around town quite convenient. The staff was courteous and accomodating.
The hotel seems to lack some of the basic necessities like hand soap and shampoo. Fortunately Target is close by, but these items are usually available at the hotel.
Verified Hotel Guest from Yakima, WA
April 8, 2015
April 8, 2015
The employees were awesome and the proximity to everything was great!
The doors seem to need to be upgraded. I haven't heard so much noise from a hallway in many hotel stays.
Robert from San Luis Obispo, CA
April 6, 2015
April 6, 2015
Central to downtown Seattle, walk to transit hub, Pike Market. Beautiful room, attentive staff
Parking is very expensive - take public transit, don't get a car
Reviews of Grand Hyatt Seattle
(1 - 10 of 200 reviews)
(1 - 10 of 200 reviews)
from $199
- Hyatt At Olive 8 from $199 (0mi)
- The Paramount Hotel from $179 (0mi)
- Hotel Max from $179 (0.1mi)
- The Roosevelt, A Coast Hotel from $159 (0.1mi)
- Homewood Suites By Hilton Seattle Conv Center Pike Street from $135 (0.2mi)
- Dragonfish Asian Cafe (0mi)
- Ruth's Chris Steak House (0mi)
- Bambuza Bistro (0.1mi)
- Blue C Sushi (0.1mi)
- Blueacre (0.1mi)
- Seattle Aquarium (0.5mi)
- Space Needle (0.8mi)
- Experience Music Project (0.9mi)
- Klondike Gold Rush National Historical Park (0.9mi)
- Pacific Science Center (1.0mi)
- Bellevue, WA (12.1 mi)
- Renton, WA (12.8 mi)
- Kirkland, WA (13.8 mi)
- Edmonds, WA (16.0 mi)
- Lynnwood, WA (16.0 mi)
- Bothell, WA (17.1 mi)
- Redmond, WA (18.7 mi)
- Kent, WA (19.6 mi)
- Woodinville, WA (20.1 mi)
- Federal Way, WA (21.2 mi)
- Issaquah, WA (22.6 mi)
- Auburn, WA (24.9 mi)
- Mukilteo, WA (26.1 mi)
- Maple Valley, WA (27.6 mi)
- Pacific, WA (27.7 mi)
Most Popular Guest-Rated Hotels in Seattle
Most Popular Business-Friendly Hotels in Seattle
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Most Popular Romantic Hotels in Seattle
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- Homewood Suites By Hilton Seattle Tacoma Airport/Tukwila
- The Grove West Seattle Inn
- Hampton Inn And Suites Seattle-Airport/28th Ave, Wa


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Product Information
Elusive Butterfly by Bob Lind - Digital Sheet Music
At a Glance
Elusive Butterfly digital sheet music. Contains printable sheet music plus an interactive, downloadable digital sheet music file.
* This arrangement contains complete lyrics
* This product is available worldwide
Arrangement Details
The Arrangement Details Tab gives you detailed information about this particular arrangement of Elusive Butterfly - not necessarily the song.
Song Details
The Song Details Tab gives you detailed information about this song, Elusive Butterfly.
Related Products
The Related Products shows you other products that you may also like, if you like Elusive Butterfly.
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Oh how excited I was when my long time beloved sitemap plugin (beta) when multi-network! Christmas come early:)
Can't find a settings anywhere but in the plugin description area. Using the WP MU as stated.
http://DOMAINNAME.CO/wp-admin/network/options-general.php?page=google-sitemap-generator/sitemap.php leads me to a 404 page.
Downloaded "google-sitemap-generator.4.0b10", installed and activated for network.
What am I doing wrong?


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Yoga People
160 Montague St. 2nd Fl.
Brooklyn, NY 11201
Yoga in Brooklyn can be found at Yoga People's Om-filled oasis in Brooklyn Heights, New York. For 16 years, Yoga People has been serving the local community and beyond. We offer a 200 hour Yoga Alliance Registered yoga teacher training program, as well as a range of classes from intermediate to Absolute Beginner yoga.
Our outstanding teachers set us apart, and are experienced leading first-time students to students deepening their yoga practice or becoming teachers themselves. Yoga People provides a supportive and encouraging environment for your practice.
We welcome you to visit us to learn more, or register for classes online today.
New dates to be announced in the Fall.
Pre-registration required.
Early Bird Pricing: $85
Regular Pricing: $95
Our Beginners courses are designed to provide you with a basic foundation in yoga. In this four week progressive course, our instructors will teach you the basic yoga postures, breathing, and relaxation techniques. You will meet with the same teacher and students in an intimate and nurturing setting. In this course, you will become more flexible, reduce stress and start a path to overall well-being. Learn more...
Explore the practice of mindful stillness and conscious repose. This candlelight class will delve deep into the practice of Yin Yoga and promote lasting relaxation with Restorative Yoga. Yin targets the body's energetic channels promoting movement of Qi and Prana as well as safely lengthening connective tissue. Long held poses and mindful breath-work inspire contemplative self-inquiry, lasting relief of tension, and balanced vitality.
Hanuman, Superman, and the Superhero in You!
Led by Eduardo Martinez-Diaz
Sunday, July 19th 1:45-3:45pm
Pre-registration required
Waiting for a superhero to sweep you off your feet and rescue you from life's frustrations? Wait no more! In this 2 hour workshop, Eduardo will help you build confidence, release blocked energy, and re-discover the hero in you. Through a dynamic and fun yoga practice, you will learn how to use your inner-hero and spiritual power to handle everyday challenges.
Eduardo will draw from mythical and pop culture stories of superheroes to guide you through yoga postures and energy awareness. During this practice, you will play in a safe and encouraging environment with inversions, backbends, and meditation. It is open to anyone with a regular practice looking to learn more about energetic body and its relationship with the physical world. Cape is optional.
Coming this Fall! Stay tuned for dates.
Yoga People's 200-hour Teacher Training program is designed for individuals with passion for yoga. This Vinyasa training will immerse you in yoga, yogic philosophy, and intensive asana instruction. It will also transform the way you practice and give you the tools necessary to teach.
Learn more...
Satsang meaning "Community" in Sanskrit, was born of the idea that all beings on their own individual path come together harmoniously to experience peace on this planet, one moment at a time.
We're so happy you're here...


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[Celluloid Hero]'s Top 5 Movies of 2013
The year-end tradition of [Celluloid Hero] continues, this time featuring a documentary, some horror, a comedy, a drama, and a dramedy.
The year-end tradition of [Celluloid Hero] continues, this time featuring a documentary, some horror, a comedy, a drama, and a dramedy.
Last year around this time, I told you what my Top5 Holiday Movies were...this year I'm flipping things around and giving you my least favorites. What are yours?
This week [Celluloid Hero] brings you "Now You See Me", featuring an all-star cast including Mark Ruffalo, Isla Fisher, Jesse Eisenberg, and many more.
This week, [Celluloid Hero] gets really artsy with "Russian Ark."
This week [Celluloid Hero] whisks you away to the merry old land of Oz with "Oz the Great and Powerful"!
Will Ferrell or Zach Galifianakis? Who gets your vote for this week's [Celluloid Hero]?
I may have been the last person to use and enjoy Blockbuster's DVD-by-mail feature. In just about a month, it will be gone forever.
Radio gets scary in "The Booth", this week's [Celluloid Hero].
One of [Celluloid Hero]'s favorite directors, Chan-wook Park, keeps the horror alive with "Stoker".
This week, [Celluloid Hero] hungers for humans with "World War Z".
Twenty-six short movies make up "The ABCs of Death", this week's [Celluloid Hero].
[Celluloid Hero] takes a recommendation from Eric Zane this week and checks out the music documentary "Searching For Sugar Man."


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Deviant Art
Ipod Shuffle StoriesRules:More Like This
1. Pick a character, pairing, fandom you like, or create a new OC.
2. Turn on your music player and put it on random/shuffle.
3. Write a drabble related to each song that plays. You only have the time frame of the song to finish the short story; you start when the song starts, and stop when it's over. No lingering afterwards! You don't have to do a song that's only instrumental.
4. Good luck!
Lucy in the Sky with Diamonds
My vision swam as millions of colors flashed before my eyes, mixing and pulsating to the beat of the music serenating my ears. The pigments swirled into millions of different scenes; a river babbling in the middle of a forest, taxies screaming a warning to crosswalkers, some mother cooing to her infant coaxing them to eat just a tiny bit more. Yet always in the middle of these scenes, she stood in the scene watching, a queer expression displayed on her face, almost as if she pitied those people. Her only characteristic which drew me in were her undeniab
|Sta.sh Submit


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Bates at SHOT Show 2008
Men and women in uniform take the call of public service to the extreme, setting aside their own comfort and safety to protect the rights, property and lives of others. In return, they deserve only the highest performance, most comfortable and best value footwear, made by a company that takes its duty as solemnly as soldiers and cops take theirs.
Join the discussion
Latest Product News
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The connected cruiser: How mobile gateways can turn cop cars into mobile offices


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This item is currently not available.
A wonderful gift for a baptism or confirmation. Sterling Silver pendant can be personalized with any three line message on the back (up to 10 letters/spaces each line). Pendant is .86" on a 24" stainless steel chain. Available only in sterling silver.Jewelry not shown to scale.
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More Colors Available
$20.00 per month
Receive exclusive offers and get the latest from SeventhAvenue.com
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Herd thinning continues. Up for sale is a Balda Super Baldax Coupled Rangefinder with 80mm F3.5 Baldenar lens. It's been CLA'd by Jergen Kreckel (aka cert06 on Evilbay) The shutter is a rare SVS prontor which has coupled shutter/aperture (EV dial) capability. This shutter was not often seen on this camera. The F3.5 Baldanar lens is more than adequate and, the rangefinder is accurate and like I said, Jergen gave it the once over and adjusted the focus to be spot on. Film counter works, althogh I still use the window at the back with modern and thinner films. The leather covering is in good shape with just a few edges on the folding front cover that need to be glued back down. The other issue is the viewfinder window glass is cracked (does not impact operation at all). Also included is a small Tamrac bag that will fit the camera and 3 rolls of film. I won't get back what I have into this great user camera, but I would like to get $200 plus paypal plus shipping which is still taking it in the shorts.USD
Price : 200.00


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I am me. I like anime and manga. But I'm sure you knew all of that already...
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Label: amba
Manager: Andrew Efremov
Bio: It all started with rampant Beatlemania. Now it's time we remember only the good side, but it always happens. Amba has played its first concert in 1972, the month of March. Since then, the group changed more than once, besmenny leader - Andrey Efremov. He is the author and performer of songs Amba...See Full Bio
: Just joined #musicforgood on @ReverbNation - now 1/2 of my song sales are donated to @GiveMusicLife http://t.co/5ZxSFhVOGT


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Admission to The Big Grill Burger Bash
Royal Oak Farmers Market • Royal Oak, MI
Friday, August 22
What you get
- Admission for Two
- Choose from General Admission or VIP
- Unlimited Bite-Sized Burger Samples
- 3-Ounce Beer Samples -- 5 or 10 Per Person
Like your burgers smothered, stuffed, or stacked high? Simple, smoked, or seasoned? Use this deal for General Admission or VIP tickets for two to The Big Grill Burger Bash at Royal Oak Farmer's Market. Try it all on Friday, August 22 from 8 to 11:30 p.m., or choose VIP and get early admission at 7 p.m.
Sample Michigan's best burgers and brews all under one roof -- you won't be asking "Where the beef?" with the unlimited samples of burgers, sides, and sweets. Each admission comes with a select number of 3-ounce beer samples, so you'll have something to wash down all those bites of burger.
Choose from the following offers:
• $79 ($125 value) for two GA tickets + five 3-ounce beer samples per person
• $109 ($170 value) for VIP admission for two + early admission at 7 p.m. and ten 3-ounce beer samples
Learn more at The Big Grill Burger Bash
Fine printREFUND POLICY: This event is nonrefundable. No full or partial refunds are given to customers who miss an event. In the event of a cancellation, your voucher will be fully refunded • Each voucher is good for 2 people • Must be 21+ with valid ID • Additional beer samples available for purchase • The deal is valid only for tickets on the date[s] of the event as listed and may not be exchanged or redeemed for any other dates • Purchaser may change the name of the individual retrieving tickets up to 24 hours in advance of event via the LivingSocial website event details section; no name-changes or alternate pick-ups permitted without notice at venue • Entire value must be used in a single visit
Admission to The Big Grill Burger Bash
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