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I retrieved MediaInfo from AppStore to analyze some of my demuxed MXF contents. So, there are several elementary audio streams that I saved as WAV and as AES simultaneously. The WAV files are recognized as WAV:RF64 by MediaInfo. The same streams saved as AES should also be 1 channel per track and therefore AES3, but MediaInfo does only show the size of the file. Even if I rename the extension from .aes to .aes3 there is no change.
Without any container header (e.g. WAV), raw AES3/PCM streams are not detectable (there is no way to detect the format : it is PCM samples, random).
If there is compressed auddio (SMPTE ST 337), it is possible to detect the SMPTE ST 337 header, else there is not "magic value" for detection.
Does any software open this file without "forcing" the format?
No, I didn't find any software to open this file directly. The file results from demuxing MXF via MXFTk Cpp OEM SDK by OpenCube. When I add this file to mux a new MXF file it is detected as valid AES3 file and I can demux again and let the SDK convert it to WAV which results in WAV:RF64.
I thought it would be easier to read AES than you stated, because the MediaInfo overview has AES3 on the supported audio list.
I thought it would be easier to read AES than you stated, because the MediaInfo overview has AES3 on the supported audio list.
It is supported, when this is doable. I detect AES3 in any container (WAV, MXF, MPEG-TS, MPEG-PS, MOV...), especially AES3 compressed (Dolby E...). Raw AES3 is rarely in use.
Ho... I have another idea: maybe AES3 specific bits (VUCP) are present, it is sometimes the case (it depends of your MXF wrapping method, sometimes VUCP are included in the stream, sometimes not), and in that case, I don't detect it (yet). Is it possible to have the corresponding MXF file? what is the "Format_Settings_Wrapping value ("Frame (BWF)", "Frame (AES)" or "Frame (D-10)")?
When I drag the corresponding MXF file to MediaInfo it shows (besides the video track) 8 PCM audio tracks, 20.0 s, Little Endian, 1152 kbps, 1 chnl, 48 kHz, 24 bits and Frame (AES).
I can give you the MXF tomorrow if you need it and if you treat it as internal (no publishing), but it is 152 MB of size ... so I don't know how to deal with sending it.
"Frame (AES)" is, despite the name, only raw PCM data, without any AES3 bits.
I try to open your file with theses settings, but there is only white noise. I imagine there is some transformation somewhere, maybe a transformation from raw PCM to AES3, but I am still a bit surprised, because AES3 is only stereo (no mono).
Your outputed file is definitely not classic, I imagine very few people use such intermediate file format (I met lot of professionals, and AES3 streams are always in WAV or MXF) and it is not a format currently supported by MediaInfo.
I am interested in knowing more about this file, please upload the source file, the exported WAV file, and the AES3 file. I send FTP credentials in private. Files can be under NDA, no problems.
argh, not possible to send private messages. Please ping me at email@example.com
Jerome Martinez
Ticket moved from /p/mediainfo/bugs/754/
Jerome Martinez


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Want to Laugh At Me? Who Should I Be For Halloween?
It's time for the second annual Make An Ass Out of Me Halloween bonanza! I asked for some help on Team (explained the history and showed off the super embarrassing video of my Britney/Matt Lauer reenactment), but now I'm coming to all of you. Fab's costume ideas are absolutely fantastic, but I'm all about looking like an idiot. Also, dressing like people you have to be a celebrity gossip aficionado to recognize. For example, I'm throwing out Violet Affleck and her Crocs, half Pete/half Ashlee and Kanye's Ego (dressing as a concept is always fun) as ideas, but I'm sure you've got better ones. Let me know in the comments and I'll run a little poll on Monday. That'll give me two days to get the oufit and make a fool out of myself. Happy Halloween! Thanks in advance for the help!
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A Little Money Can Bring A Lot of Change
Change Your Smile has proven to be an effective marketing tool for dental practices over the past 25 years. This completely revised and updated 4th edition is even more patient friendly and the most economical resource available for educating and motivating your patients.
234 pp (softcover); 484 color illus
The more you buy, the more you save!
Affordable enough to give to all your new patients!
Price per number of copies:
1-4: $29.50 per copy
5-9: $26.55 per copy
10-19: $24.55 per copy
20-29: $22.55 per copy
30+: $19.55 per copy


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Blog Post:
Troubleshooting Networking and IPSec Issues
Eugene Security
I had a very strange networking issue last weekend. After connecting to corpnet via VPN and direct hookup, I was able to ping all remote servers, but was not able to do anything, such as web browsing and remote desktop. It was not the first time that I faced this issue, and helpdesk told me that IPSec...
5 Nov 2007
Blog Post:
Read Office Files as ZIP
Eugene Security
It is interesting to me that Office 2007 Metro formats can be broken down as a ZIP file. To see this in action, you can pick an Office 2007 Metro file, such as XLSX and DOCX, and rename its extension with ZIP. Then open the renamed file with WINZIP. You will see that Office 2007 content is laid out neatly...
19 Oct 2007
Blog Post:
View calendar via Date and Time Properties as non-admin
Eugene Security
It is inconvenient that I cannot open Date and Time Properties as non-admin. Non-admins should not be able to change the date and time, but should be able to view it. Sometimes, I want to see what the date of next Wed is. Now I need to practice doing math in my brain if I run as non-admin. :) Instead...
10 Feb 2005
Blog Post:
How to enable Remote Desktop for non-admin?
Eugene Security
After hearing from many that Power Users are still admin, I have converted myself to a regular user. Most apps continue to work properly. Remote Desktop stops working. To be specific, from the non-admin box, I can remote desktop to another machine, but not vice versa. After fiddling with some settings...
26 Jan 2005
Blog Post:
Running as non-admin is not as hard as I imagine
Eugene Security
As a security tester, we need to ensure that our product works under minimal privilege. Yes, test machines are set up to test with minimal privilege, but my day-to-day email machine is set up with admin privilege. Although it is a threat to run under admin, it was more threatening to inflict myself with...
19 Jan 2005
Blog Post:
Why is a JPG file forced to be saved as BMP in IE?
Eugene Security
When I right clicked on IE 6 to save a JPG file, Save Picture dialog box only shows BMP as the only output format. It only reproes on some computers. After some digging, I found out that Internet cache is full on the dubious computer. For more info, please check http://support.microsoft.com/default.aspx...
29 Dec 2004
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Men's 100m: Justin Gatlin looked dominant, winning the 100m in 9.91 seconds on June 5 at the IAAF Diamond League from Rome. He has not lost a race in 2014 after collecting wins in Tokyo (10.02 into a -3.5 m/s headwind), Shanghai (9.92), Beijing (9.87) and Eugene (wind-assisted 9.76). Gatlin scored his third win in Rome after winning in 2005 and 2013, beating Usain Bolt by .01 seconds.
Women's 100m: Tori Bowie was the upset winner in the women's 100m. The U.S. long jump specialist scored her second Diamond League win in the 100m, setting a 100m personal best of 11.05, after winning last Saturday in Eugene in the 200m in 22.18. World 4×100 gold medalist Kerron Stewart finished second with a seasonal best of 11.08. Shelly-Ann Fraser-Pryce finished seventh with 11.19.
Men's 400m: Lashawn Merritt, who dipped under 44 seconds last Saturday by running 43.97 in Eugene, confirmed his excellent shape with an impressive win in 44.48 in the 400m. Youssef Masrahi from Saudi Arabia finished in second place for the second consecutive year in 45.14.
Women's 100m hurdles: World outdoor champion Brianna Rollins ran the fastest time in the world this year in the 100m hurdles in 12.53 in her debut on the Diamond League circuit, edging out 2008 Olympic champion Dawn Harper-Nelson by just 0.01 sec. Queen Harrison completed the US podium sweep in third place with 12.61.
Men's 200m: Berlin 2009 World silver medalist Alonso Edward won the 200m in 20.19, edging 2010 European champion Christophe Lemaitre by .05.
Women's 5,000m: Genzebe Dibaba set the season's world best time with 14:34.99 in the 5,000m, following in the footsteps of her older sisters Tirunesh and Eyegayehu, who won the Golden Gala in the past over this distance.
Men's triple jump: Olympic silver medalist Will Claye leapt to 17.14 in his fifth attempt in the triple jump, overtaking his friend and rival Christian Taylor, who was leading with 17.08 in the third round.
Men's high jump: Mutaz Essa Barshim won the men's high jump after clearing the 2.41m barrier for the win.
(From Diamond League Press Release)


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2003 Ford Ranger • 100,000 miles
I have a 03 ranger thunderbolt edition and I was wondering what the stock tire size is on them. Mine has 16's that look like edge wheels and I was wondering if the size would affect gas mileage. Also I was wondering if theres anywhere online I can get a replacement bumper (red, and at a reasonable price)
December 13, 2012.
December 13, 2012.
The Thunderbolt package is a dealer option from SLP. The 16" wheels were an upgrade and came with 16-inch Tremor Wheels and Bridgestone P235/65R16 Dueler H/T BSW Tires. Tire size can affect gas mileage, but proper inflation and how you use the skinny pedal is typically more critical.
Mar 7, 2013.
Mar 7, 2013.
I purchased a new tire gauge and would like to determine the true pressure based on the reading, the outdoor temperature, and the number of miles traveled immediately before testing. ...
1 answer • 2008 Hyundai Elantra • 74,150 miles
I wanna upgrade my tires from stock to 16" rims, question is what width and offset i need for the bigger rims to make it work? Further, what's the bolt pattern of the stock tires? Your ...
1 answer • 1998 Toyota Revo • 165,000 miles
I purchased a set of tires for my EXT and after installing them, I noticed the "Service Tire Monitor" appeared on the dash. The people did not know how to reset, pls advise how I may ...
2 answers • 2004 Cadillac Escalade Ext • 101,010 miles
2LT AWD...The original set of Goodyear Fortera tires lasted 46000 miles before cupping and becoming really loud. I switched to the Cooper CS4 Touring (60,000 mile tread life) from ...
3 answers • 2009 Chevrolet Traverse • 79,000 miles


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Bush, Abbas Collide over 'Road Map' Obstacles
Byline: Joseph Curl, THE WASHINGTON TIMES
Palestinian Prime Minister Mahmoud Abbas yesterday charged that Israel's failure to stem violence threatens prospects for peace in the Middle East, but President Bush in a sharp retort said terrorism is the biggest obstacle.
Mr. Abbas, meeting for the first time at the White House with the president, said the ambitious multinational "road map" to peace laid out with Israeli Prime Minister Ariel Sharon cannot be achieved "if Israel continues to grab Palestinian land."
"If the settlement activities in Palestinian land and construction of the so-called 'separation wall' on confiscated Palestinian land continue, we might soon find ourselves at a situation where the foundation of peace, a free Palestine state, living side-by-side in peace and security in Israel is a factual impossibility," Mr. Abbas said.
"We have succeeded significantly, where Israel with its military might has failed, in reducing violence," added Mr. Abbas, who replaced Yasser Arafat as the Palestinian Authority's chief international negotiator.
Mr. Bush expressed little patience for a return to the kind of violence that has ripped the Middle East for nearly three years.
"I'm going to tell you point-blank that we must make sure that any terrorist activity is rooted out in order for us to be able to deal with these big issues," Mr. Bush told Mr. Abbas in a Rose Garden appearance.
"Nobody is going to accept a situation in which they become less secure, whether it be the Palestinian people or the Israeli people. Security is the essential roadblock to achieving the road map to peace."Mr. Abbas is the Palestinian leader supported by the United States and Israel, but is losing confidence within the Palestinian parliament, which could unseat him. He came to Washington in pursuit of U.S. support for Israeli concessions.
"For the sake of peace and for the sake of future Palestinian and Israeli generations, all settlement activities must be stopped now," Mr. Abbas said, and the wall Israel is constructing to divide it from Palestinian areas should be dismantled.
While Mr. Bush reiterated his strong support for Mr. Abbas, the prime minister appeared to have failed in his mission.
Mr. Bush did not express support for a freeze on settlements, although he did repeat his position that Israel begin dismantling unauthorized villages in Palestinian territory.
"I've constantly spoken out for the need to end the settlements ... and we'll continue to work with both sides on this very sensitive issue," he said. "This is necessary."
Mr. Bush did not join Mr. Abbas in calling for Israel to remove the wall. He did say, however, that the security boundary around large sections of Palestinian territory, ostensibly to protect Israeli civilians from terrorist attacks, was a "problem."
"It is very difficult to develop confidence between the Palestinians and ... Israel with a wall snaking through the West Bank," Mr. Bush said. "And I will continue to discuss this issue very clearly with the prime minister" of Israel, who visits the White House on Tuesday. …


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Check out the Northside's best gym experience with an unmatched group fitness timetable and fantastic Go Girl Training Centre and an extensive free weights selection with our Hammerstrength Training Centre with LIVE DJ SETS!
We also have 3 great Group X studios featuring Brisbane's biggest group fitness timetable with 111 classes per week. Relax with our sanctuary steam and sauna and the beautiful Power Station Co Cafe serving Mocopan Coffee and healthy snacks.
1 Aspinall St
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text:
Hacking Roman Codes with Mobile Phones
View more presentations from David Rogers.
I really like your blog and have one with similar information. If you have time check it out.
security devices
The mobile phone message in all of this is getting developers to secure their applications properly. cellular antennaReplyDelete


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Book your room at Hotel Sea Princess
Get an overview of this hotelFamily-friendly Mumbai hotel in Mumbai Suburban District, near Juhu Beach
Collect 200 points
Simply enter your Nectar card number when prompted. Your points will be credited 30 days after you return from your trip.*Offers may apply
This family-friendly Mumbai hotel is located near the airport, within 1 mi (2 km) of Prithvi Theatre and Juhu Beach. Andheri Sports Complex and Shoppers Stop are also within 3 mi (5 km).
Hotel Features
Along with 2 restaurants, this hotel has a full-service spa and a restaurant. Free buffet breakfast, free valet parking, and a free airport shuttle are also provided. Additionally, an outdoor pool, a nightclub, and a health club are onsite.
Room Amenities
All 116 rooms feature thoughtful touches like bathrobes and slippers, along with conveniences such as refrigerators and coffee makers. 24-hour room service and WiFi are standard, as are flat-screen TVs with satellite channels.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
In addition to a full-service spa, Hotel Sea Princess features an outdoor pool and a health club. Dining is available at one of the hotel's 2 restaurants. Guests can unwind with a drink at one of the hotel's bars, which include a poolside bar and a bar/lounge. A complimentary breakfast is offered each morning. High-speed wired and wireless Internet access is available for a surcharge.
This 4-star property offers access to a business center, limo/town car service, and meeting rooms. 3 meeting rooms are available. This family-friendly hotel also offers a children's pool, a seasonal outdoor pool, and a nightclub. A roundtrip airport shuttle is complimentary to guests (available 24 hours). Complimentary valet parking is available on site.
- 24-hour front desk
- Babysitting or childcare (surcharge)
- Free airport transportation
- Total number of rooms - 116
- Number of floors - 6
- Babysitting or childcare
- Bar/lounge
- Barbecue grill(s)
- Business center
- Coffee/tea in common areas
- Free newspapers in lobby
- Free breakfast
- Concierge services
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Fitness facilities
- Full-service spa
- Hair salon
- Health club
- Tours/ticket assistance
- WiFi (surcharge)
- Wired (high-speed) Internet access - surcharge
- Laundry facilities
- Limo or Town Car service available
- Spa treatment room(s)
- Meeting rooms
- Nightclub
- Free valet parking
- Poolside bar
- Porter/bellhop
- Luggage storage
- Restaurant
- Safe-deposit box at front desk
- Number of meeting rooms - 3
- Year Built 1986
- Number of restaurants - 2
- Sauna
- Number of buildings/towers - 1
- Spa services on site
- Steam room
- Children's pool
- Outdoor pool
- Outdoor seasonal pool
- Wedding services
Family Friendly Amenities
- Family Hotel
- Outdoor pool
- Children's pool
- Laundry facilities
- Babysitting or childcare (surcharge)
- Refrigerator
- Cribs/infant beds (complimentary)
Available in all rooms: Wireless internet access ( 500 INR per 24-hour period ), Wired internet access ( 500 INR per 24-hour period )
Available in some public areas: Wireless internet access ( 500.00 INR per 24-hour period ), Wired high-speed internet ( 500.00 INR per 24-hour period )
Free valet parking
Room Amenities
- Premium TV channels
- Premium bedding
- Climate control
- Air conditioning
- Free newspaper
- Refrigerator
- Minibar
- Coffee/tea maker
- Free bottled water
- Daily housekeeping
- Turndown service
- Private bathroom
- Bathrobes
- Free toiletries
- Hair dryer
- Slippers
- Shower/tub combination
- Satellite TV service
- Flat-panel TV
- Iron/ironing board (on request)
- Desk
- In-room safe
- Blackout drapes/curtains
- WiFi (surcharge)
- Wired high-speed Internet access (surcharge)
- Room service (24 hours)
- Free cribs/infant beds
- Rollaway/extra beds (surcharge)
Where to Eat
A complimentary hot/cold buffet breakfast is served each morning between 7 AM and 10 AM.
The Princess Lounge - This restaurant serves breakfast, lunch, and dinner. Open 24 hours.
Shagun - This fine-dining restaurant serves dinner only. Reservations are required.
The Ark - This pub serves dinner only.
The Lagoon - Overlooking the ocean, this bar serves dinner only. Reservations are required.
24-hour room service is available.
Nearby Things to Do
An outdoor pool, a children's pool, and a seasonal outdoor pool are on site. Other recreational amenities include a health club, a sauna, a steam room, and a fitness center.
Spa Services
Saura has massage/treatment rooms. Services include hot stone massages, Swedish massages, Thai massages, and massages. A variety of treatment therapies are provided, including aromatherapy, hydrotherapy, and reflexology. The spa is equipped with a spa tub.
Guests under 18 years old are not allowed in the spa.
- Hot stone massage
- Swedish massage
- Thai massage
- Reflexology
- Manicures and pedicures
- Body wraps
- Body scrubs
- Aromatherapy treatments
- Hydrotherapy treatments
- Spa tub in spa
- Massages
- Minimum age to access spa is 18
- Body treatments
- Facial treatments
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- Accessible parking
- In-room accessibility
Hotel Policies
Minimum check-in age is 18
Check-in time ends at 11 PM
Check-in time starts at 2 PM
Special check-in instructions:
Check-out time is noon
Payment types
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
A breakfast surcharge applies to children ages 5-9 share existing bedding. A breakfast and extra bed surcharge applies to children ages 10 and over. Only 1 extra bed is allowed per room. For more details, please contact the office using the information on the reservation confirmation received after booking.
Hotel Name
We should mention
Reservations are required for massage services and spa treatments. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation. Children 4 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. Only registered guests are allowed in the guestrooms.


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Hi there,
I have been using this plugin without a problem for well over a year. I upgraded this morning and tried adding a new ad, but it won't appear on my live site. My existing ads are working fine, but the new one is not. I have spent an hour trying to figure out what the deal is, but nothing is making sense. For what it's worth, I'm using the latest version of wordpress. Is there any way to move back to the previous version of the plugin?
Thanks for any thoughts.


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From today's Washington Post, which cited Sarah Palin's repeated claims that she fought the Bridge to Nowhere as an example of "a candidate staying on message even when that message has been publicly discredited."
John Feehery, a Republican strategist, said the campaign is entering a stage in which skirmishes over the facts are less important than the dominant themes that are forming voters' opinions of the candidates. "The more the New York Times and The Washington Post go after Sarah Palin, the better off she is, because there's a bigger truth out there and the bigger truths are she's new, she's popular in Alaska and she is an insurgent," Feehery said. "As long as those are out there, these little facts don't really matter."
For now, there appears to be little political reason to back down. A Washington Post-ABC News poll taken Sept. 5 to Sept. 7 found that 51 percent of voters think Obama would raise their taxes, even though his plan would actually cut taxes for the overwhelming majority of Americans. Obama has proposed eliminating income taxes on seniors making less than $50,000 a year, but 41 percent of those seniors say their income taxes would go up in an Obama administration…
With McCain's standing in the polls surging, aides say he is not about to back down from statements he believes are fundamentally true, such as the anecdote about the bridge.
More from Ken Silverstein:
Commentary — November 17, 2015, 6:41 pm
The Clintons' so-called charitable enterprise has served as a vehicle to launder money and to enrich family friends.
From the November 2013 issue
Perspective — October 23, 2013, 8:00 am
How pro-oil Louisiana politicians have shaped American environmental policy
Estimated number of calories a person consumes during Thanksgiving dinner:
Weight Watchers International (Jericho, N.Y.)
The earth had become twice as dusty during the past century.
A man sued Pennsylvania state police who detained him for 29 days when they mistook his homemade soap for cocaine.
Subscribe to the Weekly Review newsletter. Don't worry, we won't sell your email address!
"Shelby is waiting for something. He himself does not know what it is. When it comes he will either go back into the world from which he came, or sink out of sight in the morass of alcoholism or despair that has engulfed other vagrants."


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2015 Ferrari Cars
The flagship brand of the Fiat empire, Ferrari currently offers four main models including the 458 Italia, F12berlinetta, FF and California. Joining these cars soon will be a hybrid supercar Ferrari simply called the 'La Ferrari'.
Founded by Enzo Ferrari in 1929 the company initially built race cars before it began producing street-legal production cars to help fund the motorsports effort. The first production car was the V12 powered 125 S, which launched in 1947. Perhaps its biggest claim to fame is its supercar program, which began in 1988 with the creation of the F40, succeeded by the F50 and then the Enzo.
View All Ferrari Reviews Recent Ferrari Reviews
2015 Ferrari California T Review
For the first time ever, we drove a Ferrari that we were worried about not liking. Did it satisfy us? Read on and find out.
read full story
2011 Ferrari 458 Italia Review
The 458 Italia takes mid-engined Ferraris to a whole new level, in every way you'd expect, and a lot you wouldn't.
read full story
2010 Ferrari F430 Spider
With Ferrari's F430 Successor, the 458 Italia, on the horizon, we take the drop-top Spider for one last rip before it's relegated to the history books and the used car lots.
read full story
2009 Ferrari 599 GTB Fiorano Review
Driving the 599 GBT through Carmel, California is the driver's equivalent of a child's first trip to Disney World.
read full story
2009 Ferrari California: First Drive
It has the looks, the sound and the power, but can Ferrari's latest horse prance like the rest?
read full story
2009 Ferrari F430 Scuderia
Considering how good the standard Ferrari F430, the lighter and more powerful Scuderia might just be the perfect exotic.
read full story
View All Videos Recent Ferrari Videos
Listen to Ferrari's Hotter F12 BerlinettaFerrari is working on a hotter version of its F12 and a spy video has surfaced online showing us the car.
- 2017 Ferrari 488 Spider Video, First Look The 2017 Ferrari 488 Spider dropped its top at this year's Frankfurt Motor Show.
- Ferrari 488 Spider is a 203-MPH Blue Blur Ferrari has revealed its latest drop top, the 488 Spider, and it made its public debut at the Frankfurt Motor Show.
- LEGO Ferrari F40 is a Sexy Pile of Bricks The last model approved by Enzo Ferrari is now available in LEGO form.
- Most Watched Videos of the Week: June 7 – 14, 2015 The 2016 Nissan Maxima has car shoppers interested.
Find a Used Ferrari
Used Car ClassifiedsOur used car classifieds section provides and easy-to-search listing of vehicles. Find compact cars, subcompact cars, family sedans, luxury cars, sportscars, exotics, hybrids SUVs, trucks and crossovers for sale in your area. Start searching our database of used cars for sale now.
Find a Ferrari Dealer
Find Your Local Ferrari Dealer
Once you have completed your research, be sure to visit our Ferrari Car Reviews section AutoGuide's opinion on the vehicle of your choice.
View All Ferrari News Recent Ferrari News
Giving Thanks to the Automakers in 2015
It's that time again. Time to give our thanks to all the automotive manufacturers for yet another wild and crazy year.
read full story
Ferrari 488 GT3, GTE Race Cars Unveiled in Italy
The new Ferrari 488 GT3 and GTE race cars were unveiled this past weekend in Italy.
read full story
Gallery: 19 of the Best Exotic Cars from SEMA 2015
The 2015 SEMA Show was host to a delicious amount of custom Lamborghinis, Ferraris, and other sexy machines.
read full story
Quick Gallery: Behind the Scenes at 2015 SEMA Show
The AutoGuide.com team has arrived at the 2015 SEMA Show in Las Vegas, and we got a sneak peek of the show before it opens to the media and the public.
read full story
Ferrari IPO Priced at $52, Raises $893M, Company Valued at $12B
Ferrari priced its initial public offering (IPO) at $53, helping raise $893 million.
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Ferrari Increasing Production 30 Percent by 2019
Ferrari will build more cars by 2019 in hopes of meeting demand in emerging markets.
read full story


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Take On Payments, a blog sponsored by the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta, is intended to foster dialogue on emerging risks in retail payment systems and enhance collaborative efforts to improve risk detection and mitigation. We encourage your active participation in Take on Payments and look forward to collaborating with you.
What's New
Federal Reserve Web Sites
Other Bank Regulatory Sites
March 23, 2015
Balancing Security and Friction
Several weeks ago, my colleague, Dave Lott, wrote a post addressing the question "Does More Security Mean More Friction in Payments?" Having had several weeks to ponder this concept while attending multiple payments conferences and participating in similar discussions, I can say that I believe that securing payments does mean more friction. Friction may not be seen as good for commerce, but it can be good for security. An enormous challenge that those in the payments industry face is determining the right balance of friction and security. This challenge is heightened since consumers have a range of choices in payment types, yet do not often bear financial liability for fraudulent transactions.
It is absolutely critical to secure the enrollment or provisioning of the payment instrument on the front end. However, this introduces friction before a payment transaction is even attempted. And if consumers deem the process too onerous, they can reject that payment instrument or seek alternative providers. The recent media coverage of fraud occurring through Apple Pay highlights the challenge in the onboarding process. Consumers and pundits have raved about the ease of provisioning a card to their Apple Pay wallet through what they already have on file with iTunes. But fraudsters have taken advantage of this easy onboarding process. I should stress that this isn't just a mobile payments or Apple Pay problem—fraudsters are well-versed in opening bank accounts, credit cards, and other payment instruments using synthetic or stolen identities.
Let's assume that a person's payment credentials are in fact legitimate. Verifying that legitimacy introduces more friction into the payment process. A transaction that requires no verification obviously comes with the least friction, but it is the riskiest. Signatures and PINs bring a small amount of friction to the process, with very different results in terms of fraud losses. We don't know yet what kind of friction, if any, different biometric solutions create during both provisioning and the transaction. Issuers must enable the various forms of verification, and it is up to the merchants to implement solutions that will use various verification methods. Yet consumers, who bear less of the risk of financial loss from fraudulent transactions than the merchants, can choose which payment method, and sometimes which verification method, to use—and they often do so according to the amount of friction involved, with little to no regard for the security.
Issuers and merchants will offer the right balance of friction and security based on the risks they are willing to take and the investments they make in security processes and solutions. But it is the consumer who will ultimately decide just by accepting or rejecting the options. With limited or no financial liability, consumers are often willing to trade off security in favor of less friction—and the financial institutions and merchants have to bear the losses. So I'll ask our Take On Payments readers, how do you balance friction and security in this environment?
By Douglas A. King, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
March 23, 2015 in biometrics, consumer fraud, identity theft | Permalink
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January 20, 2015
Phone Scams: Still Calling Around
With 2014 filled with news about data breaches and faster payments and new technologies trying to jumpstart various payment applications, it was easy to forget about that old-fashioned device, the telephone, and the role it can play in fraud. (It's been almost a year since I wrote the post "Phone Fraud: Now It's Personal!" about fraud schemes involving telephones.)
Pindrop Security recently released some research on the most frequent consumer phone scams, reminding us of how criminals can use a low-tech device combined with high-tech research tools to scam millions of consumers out of tens of millions of dollars each year.
We can generally place the underlying tactics of the scams into one of four categories:
- Scare tactics. Often, the caller poses as a governmental agency official such as an IRS agent or law enforcement officer and advises the victim they have an outstanding debt or arrest warrant. The caller tells the victim to send in a certain amount of money immediately to cover the debt or pay a fine—or be arrested, have a lien placed against the home, or face other serious actions. The criminal's goal is to obtain funds directly from the victim.
- Attractive offers. In this type of scam, the caller generally wants the victim's payment card or bank account number—although, as we outlined in an earlier post on advance fee scams, the caller may also be after direct payments. The offer may be for anything from a free vacation to a government grant, or from a reduction in the victim's mortgage or credit card interest rate. In any case, the caller insists the victim pay a handling fee. Sometimes, the caller asks questions about the victim's banking accounts to make sure the victim "qualifies" for the special offer. With the information obtained, the fraudsters generate payment transactions or use that information for future identity theft efforts.
- High-pressure techniques. Most scams involve high-pressure techniques; the criminals want to create a sense of urgency to get the victim to act quickly, without thinking. A common scenario is when the caller tells the victim that his or her bank account or payment card has been frozen because of suspicious activity and then urges the victim to provide sensitive account information to restore the account to normal status. The caller can then use the information the victim has provided to initiate fraudulent transactions or identity theft.
- Information-gathering. A criminal may call to get "additional" information about a customer to go into an identity profile that the criminal can use later in committing an identity theft crime. Often the criminal has already gathered some information about the targeted victim through social media or public records to weave into a cover story about why they are requesting the information to make the story more believable.
Since any of us can be a target of such calls, we must educate ourselves—and the public and our colleagues—about these scams constantly so we can all be on the alert and safeguard our accounts and personal information.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
January 20, 2015 in consumer fraud, identity theft, phone fraud | Permalink
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August 25, 2014
Forty Years and Still Scamming
I suspect that a lot of us have received a letter or an e-mail supposedly from another country's government official or banker informing us that there were some unexpected riches coming our way. We could become millionaires, these strangers tell us, by claiming a prize from a lottery that we don't remember entering. Or they say we just might become millionaires by helping them transfer money out of their country, since they can't because of some sort of bureaucracy or regulation. Before tossing these letters or e-mails into the trash, did you ever linger for just a moment wondering if these riches could actually be coming to you?
A large number of people, particularly in the United States, think the scam is legitimate and are willing to invest up to tens of thousands of dollars to claim their share of the pot of gold. Sadly, they find not only that there is no gold, but also that there isn't even a pot. This type of fraud is classified as an advance fee fraud because the scam involves the victim having to send money in advance, to cover fees or taxes, before they can receive their share of the bounty. The advance fee fraud is one type of 419 Nigerian fraud, so called because early versions originated in Nigeria, where criminal code 419 describes the fraud. 419 fraud began in the 1970s with letters—often with counterfeit postage marks—that targeted small business owners, requesting their help in handling new oil wealth.
Over the next three decades, the solicitations grew at such a tremendous pace that in 2002, the Department of Justice got a court order to allow postal employees to open every letter from Nigeria that was handled through the United States Postal Service's mail facility at John F. Kennedy Airport. They found that more than 70 percent of these letters contained some sort of fraudulent scheme solicitation.
As law enforcement's focus on Nigeria intensified, the 419 groups moved to other countries. These groups reportedly have major operations in at least 150 countries and the involvement of more than 800,000 people. Ultrascan Advanced Global Investigations (UAGI), an Amsterdam-based association focused on disrupting the operations of criminal networks, stated in a preliminary 2013 report that U.S. victims lost $2.3 billion in 2013—more than in any other country.
As with other types of criminal activity, the techniques that advance fee criminals use have become more sophisticated, evolving alongside technological advances. They've moved their method of solicitation from mail to faxes and then to e-mails. And now, instead of just sending mass mailings or e-mails, many of the criminals are tailoring e-mail messages, lacing them with personalized information obtained from social networks and professional and dating websites. For lottery-themed advance fee schemes, the UAGI estimates that 3 percent of the targets respond and make at least one advance payment.
Even more interesting, the report refutes some common misconceptions about the victims usually being lower income or with less education and desperate for some sort of financial windfall. In fact, a number of high-income professionals are taken in by some of the more sophisticated schemes involving high-dollar ventures including real estate development and medical equipment. The report also notes that, for victims losing more than $200,000, 85 percent of them had recently experienced some sort of life-changing family trauma such as a death, divorce, or major illness.
Education by financial institutions remains the most valuable tool to defend against these schemes. These institutions should use in-house media and other methods, such as public service announcements, to alert consumers to these scams, particularly those that appear in the FIs' service areas. I know of some institutions that train their frontline staff to watch for such unusual transactions, particularly by the elderly, as a supplement to their anti-money-laundering education. Financial institutions and consumers should report advance fee fraud attempts immediately to the local Secret Service or FBI office for investigation.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
August 25, 2014 in consumer fraud, consumer protection | Permalink
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August 4, 2014
Fishing for Your Private Data
Recently, I received a text from my daughter about an e-mail that appeared to be from her financial institution. The e-mail stated that online access to her bank account would be terminated because she had tried to access her account from several computers. However, she could retain access by clicking on a link. While my daughter's natural reaction was concern that she would lose online access to her bank account, I told her that this was probably a phishing incident.
Unlike the hobby of fishing, phishing is the work of fraudsters. With phishing, fraudsters attempt to dupe a consumer or employee into believing that they must immediately provide personal or private data in response to an e-mail that appears to be (but is not actually) from a legitimate entity. Much like fishing, phishing relies on numerous casts, with the phisher hoping that many of those who receive the e-mail will be fooled and swallow the bait. If they get hooked, malware may be loaded on their computer to monitor their keystrokes and pull out financial service website log-on credentials. Or, in my daughter's case, if she had clicked on the link, it would have most likely taken her to a legitimate-looking web page of the bank and requested her online banking credentials. The volume and velocity by which anyone can send e-mails has created a wide window of opportunity for fraudsters.
In their e-mail, the fraudsters create a sense of urgency by indicating some sort of drastic action will be taken unless the customer acts immediately. Although organizations have repeatedly posted statements that they would never send an e-mail asking for private data, this threatened action often causes the recipient to act without considering the consequences or taking the time to call the company or organization to verify the e-mail's authenticity. If it is not authentic, the individual should immediately delete the e-mail without replying, without clicking on any links embedded in the email, and without opening any attachments.
In addition to the need for consumers and employees to be wary of e-mails that are not legitimate, financial institutions must continually stay abreast of the latest technologies to help combat these schemes and educate customers. In a past post, we discussed steps financial institutions should take to help customers protect themselves from fraudsters. These schemes remain in the news even though banks, businesses, and government entities continue to post educational information and best practices for consumers and employees. As my daughter's example demonstrates, consumers opening bank accounts for the first time are not likely to know these schemes. This example suggests that—in addition to educating both business and consumer customers generally—it would be beneficial for financial institutions to place more emphasis on education concerning these schemes at the time customers open their accounts.
August 4, 2014 in banks and banking, consumer fraud, consumer protection, data security, fraud, identity theft | Permalink
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June 23, 2014
Do Consumers REALLY Care about Payments Privacy and Security?
Consumer research studies have consistently shown that a top obstacle to adopting new payment technologies such as mobile payments is consumers' concern over the privacy and security protections of the technology. Could it be that consumers are indeed concerned but believe that the responsibility for ensuring their privacy and security falls to others? A May 2014 research study by idRADAR revealed the conundrum that risk managers often face: they know that consumers are concerned with security, but they also know they are not active in protecting themselves by adopting strong practices to safeguard their online privacy and security.
The survey asked respondents if they had taken any actions after hearing of the Target breach to protect their privacy or to prevent credit/debit card fraudulent activity. A surprising 79 percent admitted they had done nothing. Despite the scope of the Target data breach, only 4 percent of the respondents indicated that they had signed up for the credit and identity monitoring service that retailers who had been affected offered at no charge (see the chart).
In response to another question, this one asking about the frequency at which they changed their passwords, more than half (58 percent) admitted that they changed their personal e-mail or online passwords only when forced or prompted to do so. Fewer than 10 percent changed it monthly.
When we compare the results of this study with other consumer attitudinal studies, it becomes clear that the ability to get consumers to actually adopt strong security practices remains a major challenge. At "Portals and Rails, we will continue to stress the importance of efforts to educate consumers, and we ask that you join us in this effort.
June 23, 2014 in consumer fraud, consumer protection, data security, identity theft, privacy | Permalink
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Consumers have been hearing "the horror stories around the campfire" for so long, they have come to believe that if the "boogieman" is going to get you, there is nothing you can do about it. However, this is just not true. The FSO industry needs to promote consumer education efforts to update the public: we are each provided options every day that can serve to reduce our exposure to the fraud/ID theft boogieman - at FraudAvengers.org we call it "anti-fraud activism". Once aware, consumers will find themselves liberated to make choices based on their own risk tolerance about: how they make and receive payments; how they use their communication devices; the places in which they voluntarily place their personal information; ways and frequency of monitoring their financial, medical and other personal records; who and how they do business with people they have never met and/or do not know; etc. By ensuring we always include the "lessons learned" after we tell our horror stories, we serve to educate the public and inform them of protective actions they can take in their own defense. Crime collar criminals are always looking for victims: by reducing one's visibility to them and by proactively knowing what to watch-out for, consumers can greatly reduce the likelihood of becoming victims.
Posted by:
Jodi Pratt |
June 23, 2014 at 03:19 PM
April 28, 2014
Is Personal Data Privacy Going, Going, Gone?
Since last December, it seems that not a week has gone by without a headline about another breach of consumers' payment or personal data. These articles—which are no longer limited to banking or IT industry publications—have created both weariness and concern among consumers. The market research firm GfK conducted a national survey of U.S. consumers in March 2014 to measure the impact of these breaches and better understand how consumers view and manage their personal data. They surveyed 1,000 individuals over the age of 18 and sorted the results by generation. Some of the findings I found most interesting were:
- All generations are concerned about the protection of their personal data and, overall, 59 percent indicated that their concern has risen over the last 12 months.
- One-third of the survey participants indicated that they had been the victim of the misuse of their personal data at least once over the past year.
- Over half (54 percent) of those surveyed don't believe the U.S. government is doing enough to protect their data, with two-thirds of the pre-boomers taking that position.
- Overall, 80 percent of the respondents believe there should be additional regulations preventing organizations from reselling their personal data to third parties.
- There is a strong demand from consumers for all consumer-facing industries to change their data privacy and personal data usage policies, but that demand is the highest for credit card companies and social networks.
- Banks are in the top four trusted organizations regarding the protection of personal data but trailing health care organizations, online payment systems, and online retailers. Social networks, international businesses, and marketers and advertisers are the least trusted.
- Although more than half of the participants do not agree with the tracking or recording of communication data without their permission, younger generations are not as concerned.
So how are consumers behaving in light of this increased concern? Almost half (48 percent) indicated that they have changed their online practices and are avoiding the use of online auctions, online banking, and online social networks to reduce the likelihood that their personal data might be compromised or misused in some way. I have seen other research indicating that as much as 40 percent of a retailer's customers that have had their personal data compromised through a breach at that retailer will avoid that retailer, at least in the immediate term.
So what is the best approach to develop and maintain safeguards for consumer's personal information and transaction data? The private sector has always championed self-regulation through standards efforts such as PCI-DSS, but we all recognize that being compliant with a common minimum standard is not the same as being totally secure. There has been no shortage of recent congressional discussion on this issue, and future major breaches will likely add to the momentum such that it will be difficult to stop. Is that where you think we are headed—a regulatory fix coming from a legislative mandate? Let us hear from you.
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
April 28, 2014 in consumer fraud, consumer protection, data security, regulations | Permalink
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The Target breach, in which 110 million Americans lost critical personal and financial data, is just the latest problem caused by extending legacy payment networks built in the 1960s to internet originated payments.
In the classic New Yorker cartoon, one dog says to the other, "On the Internet, nobody knows you're a dog." Until we solve this problem, the legacy payment networks cannot be made secure. They were not architected with security built into them to do what we are doing today by extending them to payments generated from the internet. The security of any network is only as good as its weakest node. By moving access to the legacy payment systems to the internet, we added tens of millions of nodes to each legacy payment system and most of those nodes are not securely authenticated or truly secure.
A next generation payment system is required that is architected with security and encryption of all data "end to end", with no data ever "in the clear" and in which all users are "strongly authenticated". It is less expensive by orders of magnitude to build a new next generation payment system that can do that, than to retrofit one of the existing legacy payment systems, as I was once told by the former global CIO of VISA International. The existing legacy payment systems are all designed to have required information "in the clear" at multiple points in the transaction cycle.
The rapid rise of Bitcoin, despite its significant flaws, highlights the hunger in the marketplace for a better and more secure internet based global payment system. It would be better if that next generation payment system was also bank-centric and properly regulated, none of which Bitcoin is.
FYI, the New Yorker cartoon was first published in 1994, so this problem has been building for over 20 years.
Posted by:
Stephen Lange Ranzini |
April 28, 2014 at 05:31 PM
March 10, 2014
Who Is Responsible for Consumer Security Education?
A theme that consistently appears in our Portals and Rails blogs is the continual need for consumer education when it comes to protecting account access credentials. Financial institutions have generally taken this responsibility seriously, running frequent verbal and print campaigns reminding customers to safeguard their payment cards, monitor account activity frequently, and adopt strong password and PIN access practices.
But as payment channels and access devices expand outside the bank-controlled environment, who then becomes responsible for customer education? The representatives of mobile phone carriers and handset manufacturers, for example, are often in sales mode. The last thing they want to do is scare off a potential sale by identifying the potential for fraud with their product or service.
When I recently went to purchase a new mobile phone that was equipped with a number of strong security safeguard options, the sales representative was more interested in selling me high-margin accessories than telling me how to safeguard the phone and its contents. While I understand the motivation of the sales representative, especially if he works under a sales incentive compensation plan, wouldn't it easy for the carrier or phone manufacturer to provide a brochure promoting safe practices?
Unfortunately for the financial institutions, the stakes are high. For them, the financial impact of fraudulent activity on a customer's account is often a one-two punch. First, various regulations and rules are in place to protect consumers from liability, so the financial institutions generally write off the fraud loss. Second, and perhaps more painful, victims of fraud often move their accounts even though their financial institution is not at fault. The challenge of consumer education by the bankers is becoming more and more difficult as the opportunity for direct contact with the customer lessens with every new payment transaction product or service.
As we've seen before, in the aftermath of recent card transaction and customer data breaches, the negative reputational and financial impact from fraud is felt not just by financial institutions but also by the retailer or company that was breached. Will such events cause these other stakeholders to take a more proactive role and join financial institutions in educating their customers?
Portals and Rails is interested in hearing from you as to how the payments industry might best address customer awareness and education regarding security.
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
March 10, 2014 in banks and banking, consumer fraud, consumer protection, data security, mobile payments | Permalink
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February 24, 2014
Phone Fraud: Now It's Personal!
One recent Sunday evening, I received a call on my mobile phone from a number with a 374 area code. I did not recognize this number, and it wasn't in my stored contacts. I answered the call, and there was that brief pause that alerted me it was likely a mass marketing call. I was getting ready to launch into my standard "No, thank you, and this number is on the Do Not Call registry, so please don't call again," when a female voice with a strong foreign accent identified herself as a representative from the Microsoft Windows Security Center. "Microsoft" and "security" are two words that are likely to grab anyone's attention quickly, so I stopped myself. She then asked me to verify that I had a computer running Microsoft Windows. I mean, who doesn't but the most diehard Apple user? All kinds of warning bells were sounding in my head, but I played along to see where this routine was going.
In a recent post, I wrote about the growing problem of criminals targeting bank call centers. Well, criminals target consumers, too. Sometimes the callers claim to be representatives of the consumer's financial institution, and they try to get account or payment card information. I ended the post post with descriptions of some of the new technology being used to fight against this type of fraud. Unfortunately, most consumers don't have access to the technology the banks do to help identify the fraudsters.
But back to my call. The caller informed me that the Microsoft Windows Security Center had received a message that my computer was infected with a virus. She added that the Security Center had a download available to remove the virus and protect my computer, it would cost only $19.99, and she could take payment over the phone with a credit card. I asked which of my computers sent the message because I didn't want to pay to have the download put on noninfected computers. My response seemed to confuse her. But then she said that the download could be installed on up to three computers at no additional charge—what a bargain! I then told her a security scan the night before had found nothing wrong and I didn't believe she was from Microsoft, and I hung up. When I tried to trace the phone number, I learned there is no 374 area code in the United States, but 374 is Armenia's country code.
While the earlier post showed the need for financial institutions to use a cross-channel fraud mitigation strategy, we must always keep in mind that consumers are also under frequent attack. As we at Portals and Rails have stated many times, continuing education is a vital factor in helping customers protect their money, and this experience only reinforces that need. I was informed enough to sniff this call out for the scam that it was, but would my 84-year-old mother-in-law have been as savvy? Maybe I should give her a call to make sure!
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
February 24, 2014 in consumer fraud, phone fraud | Permalink
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January 13, 2014
Into the Breach: Protecting the Integrity of the Payment System
The breach of Target's point-of-sale system that compromised up to 40 million cardholders during the 2013 holiday shopping period has prompted us to step back and examine this attack—and wonder about its aftereffects. We've certainly seen the expected media attention for a crime of this magnitude, and the filing of class-action lawsuits wasn't far behind despite the lack of any verifiable fraud—as yet. We also have to wonder about its effect on consumers' confidence in the U.S. payment system.
For consumers to have confidence in the payment system, it is critical that they feel their financial information is protected during a payment transaction. And when that information has to be stored, they need to know that it is stored safely and securely. The research shows—and many consumers are well aware—that the creation of synthetic or stolen identities depends primarily on information obtained from data breaches.
All kinds of consumer advice followed the data breach. Many consumer advocates advised cardholders who had used their debit card at Target during the time their POS system was compromised to go to their financial institutions and request a card reissuance to prevent possible fraud. Others focused not on how consumers might recover from the Target breach but on how to prevent problems in the future—that is, they suggested that consumers use credit cards rather than debit cards because with credit cards, unauthorized transactions will not affect the payment of legitimate transactions. Some advocates suggested that people authenticate their debit cards at POS terminals with their signatures rather than their PINs, despite the fact that the level of PIN-based debit card fraud is almost one-third the level of signature-based debit card fraud.
Financial institutions also had varying responses. Some reissued cards when customers requested new cards, while others took a wait-and-see attitude. Still others lowered transaction limits on their customers' debit cards to minimize fraud exposure.
Of course, the Target incident has heated up the magnetic-stripe-versus-EMV conversation. As we've posted many times, the magnetic stripe was never intended to be a secure medium; the sophisticated and highly automated authorization systems were intended to carry the load of fraud detection capabilities. Some in the U.S. payment industry are calling for an acceleration of the migration to chip cards, currently scheduled for October 2015. They argue that EMV/chip cards will virtually eliminate the ability to create counterfeit cards. Some are even requesting that the government or the card networks mandate the technology, which many other countries did in their transitions to EMV. However, the reality is, we will have to keep our magnetic-stripe cards a minimum of five to 10 years, until the vast majority of merchant locations are equipped with EMV-capable terminals. And we should keep in mind that EMV is not a solution by itself—it cannot address card-not-present fraud.
As the authorities complete the forensics of the recent data breach, the industry will develop and implement additional security controls and measures. This added security will then prompt the criminals to look for other weak points. And look they will. So has this major incident shaken consumers' confidence? It is too early to know. What is clear is that the payments industry must come together to develop a cohesive strategy, and they should do so before consumer confidence in the payments system is further compromised.
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
January 13, 2014 in consumer fraud, consumer protection, debit cards, EMV | Permalink
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As the number of consumers affected by the Target breach has risen to 110 million and news of the Neiman Marcus and Michaels breaches surface, much discussion about improving card security has been sparked—including the adoption of EMV technology. While EMV is not the perfect solution, it is only a matter of time before the costs of fraud in the U.S. begin to outweigh the cost of implementing EMV cards or another innovative technology that works within our existing infrastructure. The tipping point may be here for banks to take a step in a new direction to better address card security in the U.S.
Posted by:
Karen Gordon |
January 28, 2014 at 04:56 PM
Why is the U.S. so behind Europe and Asia in adopting EMV in place of magentic stripe?
Do you think accelerating the migration to chip cards will happen?
Posted by:
Saba H |
January 21, 2014 at 09:21 AM
August 19, 2013
Curbing Identity Theft and Fraud
To no one's surprise, identity theft and associated fraud losses rose again in 2012. The number of victims climbed to more than 12 million last year, an 11 percent increase over 2011, according to the recently released Javelin 2013 Identity Fraud Report. Losses amounted to almost $21 billion.
A quick distinction between identity theft and identity fraud: identity theft is when an unauthorized person obtains personal information about an individual, and identity fraud occurs when someone uses that personal information, without the individual's consent, to conduct financial transactions.
Two types of identity theft drove the overall increase: new-account identity and account takeover fraud.
New-account identity fraud takes a number of different forms. The most common form occurs with credit card applications. Someone creates an account using another person's information and makes purchases to the maximum limit, then allows the account to go into default. The next most common type happens with new checking accounts. The fraudster opens up a checking account using false identification credentials, then deposits bad or bogus checks and quickly cashes out.
The prevention of new-account identity fraud rests primarily on the shoulders of the financial institution (FI). What are the steps that FIs can take to help reduce the levels of these types of fraud? They are already required to authenticate the identities of new account applicants to the extent reasonable and practical under the Bank Secrecy Act's Customer Identification Program. The fraudster's goal when opening a fraudulent account is to minimize the verification process and quickly establish the new account. Experienced criminals can falsify government-issued IDs without too much difficulty. The FI representatives authenticating new accounts must rely on their experience and on a number of other factors to detect fraudulent attempts—but it can be difficult to balance the need to authenticate applicants with the wish, and the institutional push, to be polite and welcoming.
Many FIs order abbreviated credit reports as part of the new account process so they can better market credit products to qualified applicants. An address on the credit report that differs from the one on the application or the report showing a rash of new credit inquiries should sound warning bells, and such discrepancies would justify additional verification. Other warning signs include applicants having to read the information from their identification documents rather than reciting it from memory, or incorrect social security numbers, or newly issued identification documents.
Most fraudulent new accounts are opened online or through call centers. In these cases, the subsequent new-customer authentication process is critical. Although individuals can use their own, legitimate credentials to commit new account fraud, industry reports suggest it is much more common for fraudulent accounts to be opened with fraudulent credentials.
As to account takeover fraud, as we have stressed on many occasions, the most critical action that FIs can engage in is frequent customer education through electronic and print media and community and customer seminars. In a recent post on phishing, we outlined a number of steps that FIs should remind individuals to follow to minimize the possibility of having their accounts and identity credentials compromised.
We would like to hear from you as to ways your institution is combating new-account identity and account takeover fraud.
By David Lott, a retail payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
August 19, 2013 in account takeovers, authentication, banks and banking, consumer fraud, identity theft | Permalink
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One thing I like about the sekonic studio delux is the lumisphere faces towards me instead of away from me.
Are you sure it only faces you? Mine swivels and can be pointed away. The proper use of an incident meter requires it be taken to the subject and pointed back at the camera, so it really doesn't matter if it does not swivel. You can hold the meter up into the approximate similar light as the subject to get a reading.


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'White Beauty' Has An Ugly Message
We've discussed skin-lightening in India before, but, according to The Independent, new skin-whitening commercials are igniting a "race row" in that country. The commercials feature three of Bollywood's biggest stars in a soap opera-style love triangle. The dark chick is dissed for a lighter-skinned woman, so she… »


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Enjoy your viewing here at the "Exotic Portfolio" exhibition site of Elder Studios.
These pages contain an extensive exotic collection of more than 3000 images (and growing) by the digital artist - Jon Elder.
Thank you for your interest in seeing my Exotic Image Pages. As a registered user you are free to check out the robust collection of PG and R rated beauty images. A subscription is required for all but the sample images. You can contact me here or via the contact form on these pages.
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Washington Prowler
Kerrying On
Recuperation has its advantages, not only for Carol Moseley-Braun.
With it now appearing that an ostensibly recuperating Sen. John Kerry will take a pass on speaking at the DNC's winter meeting in Washington next week, chairman Terry McAuliffe is looking to slot in former Sen. Carol Moseley-Braun, who will officially become a presidential candidate next week when she files papers with the Federal Election Commission.
"With Kerry out, we probably have to take her," says a DNC staffer helping to organize the two-day event. "We have an opening now."
Kerry was scheduled to be the highlight speaker on the second day of the event. Other speakers for the day included Sen. John Edwards and Al Sharpton. And while Edwards is probably relieved that Kerry is off the program, it doesn't mean he'll get center stage for the day.
"We'll probably move Lieberman or Gephardt into the second day to balance things out a bit," says the DNCer. "We can't give our attendees a day of Moseley-Braun, Edwards and Sharpton. No one would stay for that kind of lineup."
When the speaking slots were announced earlier this month, Edwards people were worried about being bunched with the party's early presidential frontrunner and Sharpton, a fiery public speaker. Now, Edwards will most likely have to deal with audience favorite Joe Lieberman or Dick Gephardt on the second-day agenda.
"This is why they call these things a cattle call," says the DNC staffer. "Everyone gets a shot, but we're not giving anyone a better slot over someone else. The slots are what each candidate makes of them."
It's doubtful, too, that Sharpton would stand by and be lumped with Moseley-Braun, especially with rumors swirling that her presence in the race is a McAuliffe contrivance to water down his support in the black community.
Sen. John Kerry is going to blow off the DNC's winter meeting, but not opportunities to meet Democrats important to his presidential aspirations. That's because while his competitors will be freezing in Washington, he'll be in sunny California raising as much as $250,000 for his campaign at three fundraisers.
Kerry may still change his mind and appear at the DNC affair in D.C., which he backed out on Thursday citing his recent prostate-removal surgery. But according to a California-based Democratic fundraiser, Kerry's campaign staff assured their West Coast backers that their man would give the fundraising events priority over the DNC event.
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Charles Terrell Academy
Private School | Grades PK,K-12
Augusta, GA 30904
(706) 736-6216
2230 Broad St, Augusta, GA 30904
(706) 736-6216
Schools Nearby
|School Name distance
|Community Rating
|Hope Christian School 0.8 miles
|Episcopal Day School 1 miles
|Childcare Network Dcc 1 miles
|Academy of Richmond County High School 1.1 miles
|Lamar Elementary School 1.2 miles
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Gov. Doug Ducey vetoed a bill Wednesday that would have made Arizona the third state behind Utah and Oklahoma to recognize gold and silver as legal tender.Read More »
Tag Archives: goldFeed Subscription
Bill making gold legal tender passes Arizona House committee
A House committee passed a bill Wednesday that would make Arizona the third state behind Utah and Oklahoma to recognize gold, silver and platinum as legal tender.Read More »
Q&A: Hal Quinn President and CEO, National Mining Association
As chief lobbyist of the National Mining Association, it falls on Hal Quinn, the group's president and CEO, to promote his industry. That means defending coal mines and, ultimately, America's reliance on the fuel source to power homes and businesses.Read More »
Brewer vetoes bill to make gold and silver legal tender
Gov. Jan Brewer on Thursday vetoed SB1439, which would have recognized gold and silver specie as legal tender in Arizona, along with any other specie that a "court of competent jurisdiction" deems to be within the state's authority to make legal tender.Read More »
Senate advances bill to make gold and silver legal tender in Arizona
The Arizona Senate gave preliminary approval today to a bill that would recognize gold and silver as legal tender in the state, an effort its sponsor said harkens back to a basic reading of the United States Constitution and respect for a basic form of wealth.Read More »


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I was in this dilemma in August but picked titanium ecoboost 125ps ....not Zs or Tx mainly because Zs looks good but not got some toys that I likean the titanium x had stuff I didn't need but some I liked too ....loved the idea of heated seats but didn't see point of having sensors on a small car but was too expensive for me anyway (buying second hand I don't really ever buy new) and then I couldn't resist on what I brought a dealer down to...... Titanium nautical blue (rare colour nowadays) with 15k on it and brought it down from £11k odd to £9,750 plus got them to do the usual stuff diamondbrite it plus full tank of petrol.....love the car to bits and love the colour every time I take a pic of it....it seems like a different shade of blue! It's great and a eye Turner
Titanium vs Zetec S
Started by JAR897, Apr 24 2009 07:50 PM
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Posted 15 December 2014 - 11:44 PM
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Posted 15 December 2014 - 11:47 PM
Just to prove on the different shades it looks like one more and check my gallery lol
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Gay father - Jerry - lesbian mother - Suzanne - are both carrying out clandestine affairs. But the man Jerry is with is not gay, only bisexual, and is cheating on Jerry with the Suzanne's girlfriend. So you have this kind of weird trapezius of illicit love. Oh, neither Jerry nor Suzanne knows about each others homosexuality.
They do have a child, named Sam (mmm, nice asexual name) but he is gender confused and cross dresses, much to his parent's consternation. When he is around his mother, he wears a dress and she calls him "Sammy," and when he's around his father, he wears boy clothes and is called "Sam".
Slowly, the plot unravels as Jerry and Suzanne find out about each other's lovers and each other's sexual orientation. Then you find out that Samuel was ridiculed throughout his years in Elementary, Middle and High School due to his parents orientation, which the entire town seemed to know about, or at least it was a piece of choice gossip. After witnessing his parents first hand with their partners, he becomes confused and kills himself to avoid the humiliation of his parents action.
Both Jerry and Suzanne have blocked his death, and have been hallucinating Samuel, who was their interior justification for continuing the affairs. They both recall his death and the horror of his suicide, and break down.
They find out about each other, and decide to get a divorce. They begin to sign the papers at the dinner table, with the empty chair that Samuel used to occupy between them.


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by Brenda Hoult
Weymouth and Portland National Sailing Academy is in the final week of count-down to the inaugural edition of GJW Direct SailFest, inspired by the legacy of the 2012 Sailing Events held at the venue. Alongside the WPNSA Annual Handicap Regatta, there are activities ashore and afloat - something for everyone from eight to 80, from novice to world champion. 100 mixed dinghies will be competing for the WPNSA Handicap Regatta title in a series comprising of six handicap races over Saturday and Sunday, concluding with the Raymarine Long Distance Pursuit Race on Bank Holiday Monday.
OTC beach 2 Graham Manchester
Every boat will be fitted with a GPS tracker throughout the event with the action screened live at the Academy and via the internet to the armchair sailor worldwide.
The Byte Class are holding their National Championships as part of the regatta and there are strong contingents from a number of other classes, notably the Fireballs and Phantoms but also a significant group of RS300s, Isos and Javelins. As ever at such an event there is a strong representation by the Lasers, with standard, radial and 4.7s taking part.
Fireballs Looe 2013
A coaching day on Friday precedes the racing, a fantastic opportunity for competitors to gain a head start on making the best of the Olympic waters. Led by the massively experienced Peter Aitken and in conjunction with Raymarine this is also the time to learn to really use your Micro Compass to its full potential. Again for the racers, boat building legend Richard Woof will be at the Academy over the weekend, ready to pluck a (willing) boat owner from the water at the end of the racing day to run a seminar for all on how a boat that appears perfectly fit for racing has plenty of
potential to improve with careful planning and maintenance.
For everyone there are the Sports Activity Tasters. A chance for a full session in a choice of a selection of sports hosted by the on-site partners at the Academy. Paddlesports, windsurfing and sailing will be based on the water at WPNSA for 1½ to two hour sessions whilst mountain-bikers and rock-climbers will be taken off site to explore the
natural playground of Portland itself for a three hour experience.
The activity sessions will take place throughout the whole 4 days of the event with the racing specifically scheduled so that regatta racers don't miss out on the fun with their families. Particularly on Sunday afternoon there should be plenty of time for sailors to have a go at something a little different.
J70 Fleet
Fancy something a little larger? The team from Key Yachting will be at SailFest from Friday afternoon through to Monday with the J/70, the new 7m, car towable sportsboat that was only launched last year. Stable and manageable across the full range of wind speeds, and with cockpit space for four to five people, Key Yachting are making the J/70 available for visitors to sail every day, irrespective of age or experience.
On Saturday evening a Hog Roast hosted at the Academy will feature guest speaker Peter Allam, new CEO of WPNSA with memories of the 2012 games as Deputy Manager for LOCOG, with a disco to follow. On Sunday the evening meal is at RYA Portland House, home of Team GBR during the games. Next year will see another great new event taking place within SailFest, for which the pilot will run between racing and the Hog Roast this year on Saturday evening. The Will Mackaness Trust Charity Duathlon is a race from the OTC slipway at WPNSA by windsurfer to Overcombe Corner and back to the slipway by bicycle. Next weekend the pilot will be demonstrated by some of the top RS:X development squad … Can you rise to the challenge to take them on next year?
If you haven't done so already, enter or book activities now at Sailracerwebsite!new And a date for the diary, the next edition of SailFest is already scheduled for the same weekend, 23rd to 25th August 2014.


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Revisiting African American
Perspectives on Biomedical
Ethics: Distinctiveness and
Other Questions
Jorge L. A. Garcia
WHAT could make for a perspective on medical ethics that might be meaningfully and helpfully described as African American? Such a point of view might be distinguished by (a) its topics, for example, a focus on the distribution of services and their delivery to the poor, or on certain illnesses disproportionately common or severe among African Americans (e.g., breast and prostate cancer, diabetes, sickle-cell anemia, hypertension); (b) its methodology, contrasting with a two-stage approach (first describing and then justifying "common morality," as advocated by Bernard Gert, Charles Culver, and K. D. Clouser1), for example, with a principlist method (in the manner of Tom Beauchamp and James Childress), with a casuistical/analogical procedure (as found in Albert Jonsen and Stephen Toulmin), and a nonreductionist form of role-professional ethics; (c) the principles, virtues, or values at work, as in Cheryl Sanders's claims about African American culture; or (d) some unique claims it makes about the morality (superiority, requirement, wrongness, viciousness, etc.) of certain medical practices, and so on.


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42 years of experience
Video profile
Englewood, NJ 07631 Phone number & directions
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Miguel Sanchez:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
The overall average patient rating of Dr. Miguel Sanchez is Excellent.
Specialties & Research
Dr. Miguel Sanchez, MD is board certified in Pathology.
- He has special expertise in 4 areas:
- Breast Cancer
- Fine-Needle Biopsy
- Metastatic Breast Cancer
- Thyroid Cancer
Education & Awards
Dr. Sanchez graduated from Universidad Complutense De Madrid. He has 4 awards.
Dr. Sanchez has 6 hospital affiliations:
- Nyu Hospital For Joint Diseases
- Englewood Hospital & Med Ctr
- Spanish
- English
Similar doctors nearby
Dr. Mikhail Tismenetsky
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- Additional Information
- Dr. Miguel A Sanchez MD is a male Pathologist, has 42 years of experience and practices in Pathology.
- Where does Dr. Miguel A. Sanchez practice?
- Dr. Miguel Sanchez has 1 office location.
Dr. Miguel Sanchez practices Pathology near Englewood, NJ.
See Englewood Pathologists.


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Sadhbh Warren
To sail, cave or bunny-shave? Hop around Auckland!
Forget Lord of the Rings, a trip to New Zealand isn't an epic quest. With the Bay of Islands and the dark caves of Waitomo nearby, a quick Auckland visit can pack in a lot Read the guide
Sailing through paradise: the Whitsunday Islands, Australia
The Whitsundays are eastern Australia's must-do destination – and sailing is the only way to see them. These islands, halfway between Cairns and Brisbane, are picture-perfect and pristine Read the guide
Romance Down Under: Sydney for couples on a budget
Just because you're visiting Sydney as a backpacker doesn't mean you can't do romantic dates - try these three ideas for amorous outings that won't break the bank Read the guide
Off-road adventure on Fraser Island
With hardly any roads and an awful lot of wildlife, Fraser Island off Queensland, Australia, is not for timid townies. If you love nature, take a 4x4 tour and go camping – or take the luxury option Read the guide


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US Taxpayers Give more to Israeli Military than Israelis
Israel remains the top recipient of United States foreign aid. So much so that the Israeli army itself stated that Americans give more toward Israel's defense budget than Israelis. Press TV's Washington correspondent has more.In the past three years, Americans have paid more for Israel's defense budget than Israelis themselves, according to the Israeli army's former Chief of Staff. The United States gave nearly $3.1 billion to Israel this year, making it the number one contributor of American foreign aid. Israel ranks among the top 30 richest countries in the world, while some of the poorest countries only see a fraction of that amount in US aid. Because the money is given in a lump sum at the beginning of the year, rather than being distributed in increments, Americans pay interest on the money they borrow to give the aid. According to the Congressional Research Service, "once disbursed, Israel's military aid is transferred to an interest bearing account with the Federal Reserve Bank." Therefore, the U.S. pays interest on the billions it gives to Israel while Israel accumulates interest on those billions. Alison Weir of If Americans Knew states there are other areas where the U.S. government spends because of Israel. With US presidential elections around the corner, each of the two major parties' candidates have made promises to cut spending in order to decrease the staggering US debt of $16 trillion. These include in the public and social services sectors. Israeli military commander Gabi Ashkenazi, who made the statement during a conference last month, was issued an arrest warrant in 2010 by Turkey for ordering the assault on the humanitarian flotilla, resulting in the death of 9 civilians. In 2008, a complaint was filed against Ashkenazi at the Hague for war crimes and crimes against humanity in the Israeli siege and subsequent bombardment of Gaza.